Home > Citizens Bank of Morgantown, Inc. > Performance and Condition Ratios
Citizens Bank of Morgantown, Inc., Performance and Condition Ratios
| 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 | 5.0898% | 1,876 |
| Cost of funding earning assets | 1.4640% | 2,035 |
| Net interest margin | 3.6258% | 1,914 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 2.8701% | 1,333 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.5136% | 3,641 |
| Return on assets (ROA) | 0.5136% | 3,634 |
| Pretax return on assets | 0.6307% | 3,584 |
| Return on Equity (ROE) | 3.7300% | 3,929 |
| Retained earnings to average equity (ytd only) | 2.9893% | 3,273 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 80.6794% | 875 |
| Assets per employee ($millions) | 5.6110% | 3,150 |
| Cash dividends to net income (ytd only)* | 19.8529% | 2,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9804% | 386 |
| Loan loss allowance to noncurrent loans | 241.5584% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.6099% | 899 |
| Noncurrent loans to loans | 0.8198% | 942 |
| Net loans and leases to total assets | 72.9200% | 1,482 |
| Net loans and leases to deposits | 91.1081% | 1,172 |
| Net loans and leases to core deposits | 103.0877% | 1,272 |
| Total domestic deposits to total assets | 80.0400% | 3,455 |
| Equity capital to assets | 15.1092% | 543 |
| Core capital (leverage) ratio | 16.9406% | 403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $52,960,000 | 4,291 |
| Average earning assets | $49,589,000 | 4,258 |
| Average equity | $7,292,600 | 4,011 |
| Average total loans | $39,050,400 | 4,011 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0255% | 1,782 |
| Cost of funding earning assets | 1.3827% | 1,909 |
| Net interest margin | 3.6428% | 1,898 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 3.0088% | 1,061 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.4156% | 3,938 |
| Return on assets (ROA) | 0.4156% | 3,930 |
| Pretax return on assets | 0.4977% | 3,908 |
| Return on Equity (ROE) | 3.0900% | 4,093 |
| Retained earnings to average equity (ytd only) | 2.5896% | 3,610 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 84.3096% | 598 |
| Assets per employee ($millions) | 5.7780% | 2,948 |
| Cash dividends to net income (ytd only)* | 16.1677% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9203% | 458 |
| Loan loss allowance to noncurrent loans | 276.7790% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.5134% | 1,135 |
| Noncurrent loans to loans | 0.6938% | 1,188 |
| Net loans and leases to total assets | 72.5800% | 1,509 |
| Net loans and leases to deposits | 91.6808% | 1,080 |
| Net loans and leases to core deposits | 104.7338% | 1,079 |
| Total domestic deposits to total assets | 79.1700% | 3,663 |
| Equity capital to assets | 13.6110% | 709 |
| Core capital (leverage) ratio | 16.1126% | 475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $53,575,250 | 4,296 |
| Average earning assets | $50,143,500 | 4,269 |
| Average equity | $7,208,250 | 4,023 |
| Average total loans | $39,420,750 | 4,019 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8840% | 1,800 |
| Cost of funding earning assets | 1.2761% | 1,773 |
| Net interest margin | 3.6079% | 2,022 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 2.9427% | 1,138 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.4214% | 3,967 |
| Return on assets (ROA) | 0.4214% | 3,970 |
| Pretax return on assets | 0.5065% | 3,956 |
| Return on Equity (ROE) | 3.1400% | 4,134 |
| Retained earnings to average equity (ytd only) | 2.3994% | 3,625 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 83.5257% | 623 |
| Assets per employee ($millions) | 5.9986% | 2,710 |
| Cash dividends to net income (ytd only)* | 23.6842% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8597% | 539 |
| Loan loss allowance to noncurrent loans | 8,155.5556% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0167% | 3,671 |
| Noncurrent loans to loans | 0.0228% | 3,598 |
| Net loans and leases to total assets | 71.7500% | 1,562 |
| Net loans and leases to deposits | 93.6805% | 891 |
| Net loans and leases to core deposits | 106.1524% | 980 |
| Total domestic deposits to total assets | 76.5900% | 3,996 |
| Equity capital to assets | 13.5014% | 720 |
| Core capital (leverage) ratio | 15.8897% | 485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $54,099,667 | 4,310 |
| Average earning assets | $50,778,000 | 4,284 |
| Average equity | $7,251,667 | 4,042 |
| Average total loans | $39,733,000 | 4,019 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7895% | 1,649 |
| Cost of funding earning assets | 1.1993% | 1,451 |
| Net interest margin | 3.5902% | 2,155 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 3.0578% | 984 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 0.5096% | 3,872 |
| Return on assets (ROA) | 0.5096% | 3,837 |
| Pretax return on assets | 0.3176% | 4,248 |
| Return on Equity (ROE) | 3.8200% | 4,067 |
| Retained earnings to average equity (ytd only) | 3.8158% | 3,322 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 87.3418% | 448 |
| Assets per employee ($millions) | 6.0512% | 2,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8356% | 618 |
| Loan loss allowance to noncurrent loans | 7,350.0000% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0184% | 3,626 |
| Noncurrent loans to loans | 0.0250% | 3,591 |
| Net loans and leases to total assets | 72.1700% | 1,406 |
| Net loans and leases to deposits | 92.4129% | 889 |
| Net loans and leases to core deposits | 104.2323% | 911 |
| Total domestic deposits to total assets | 78.1000% | 3,999 |
| Equity capital to assets | 13.5785% | 659 |
| Core capital (leverage) ratio | 15.6356% | 502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $54,156,000 | 4,371 |
| Average earning assets | $51,028,000 | 4,344 |
| Average equity | $7,233,000 | 4,092 |
| Average total loans | $39,865,000 | 4,068 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3741% | 928 |
| Cost of funding earning assets | 0.3800% | 2,259 |
| Net interest margin | 3.9941% | 792 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 3.1966% | 729 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.5574% | 3,974 |
| Return on assets (ROA) | 0.5574% | 3,940 |
| Pretax return on assets | 0.6952% | 3,853 |
| Return on Equity (ROE) | 4.0200% | 4,160 |
| Retained earnings to average equity (ytd only) | 3.2557% | 3,641 |
| Net charge-offs to loans | -0.0028% | 3,510 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 81.3942% | 631 |
| Assets per employee ($millions) | 5.9834% | 2,779 |
| Cash dividends to net income (ytd only)* | 19.0813% | 2,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8494% | 595 |
| Loan loss allowance to noncurrent loans | 5,242.8571% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.0260% | 3,567 |
| Noncurrent loans to loans | 0.0353% | 3,529 |
| Net loans and leases to total assets | 72.3400% | 1,381 |
| Net loans and leases to deposits | 99.2737% | 471 |
| Net loans and leases to core deposits | 111.5167% | 558 |
| Total domestic deposits to total assets | 72.8700% | 4,400 |
| Equity capital to assets | 13.1307% | 678 |
| Core capital (leverage) ratio | 15.9045% | 464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $50,773,400 | 4,432 |
| Average earning assets | $46,843,800 | 4,408 |
| Average equity | $7,033,800 | 4,210 |
| Average total loans | $35,938,400 | 4,138 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2637% | 789 |
| Cost of funding earning assets | 0.2325% | 2,901 |
| Net interest margin | 4.0312% | 606 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 3.1810% | 703 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.5973% | 3,844 |
| Return on assets (ROA) | 0.5973% | 3,803 |
| Pretax return on assets | 0.7493% | 3,693 |
| Return on Equity (ROE) | 4.2500% | 4,111 |
| Retained earnings to average equity (ytd only) | 3.7392% | 3,536 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 80.2286% | 762 |
| Assets per employee ($millions) | 5.8368% | 2,901 |
| Cash dividends to net income (ytd only)* | 12.0536% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9126% | 584 |
| Loan loss allowance to noncurrent loans | 5,207.1429% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.0267% | 3,665 |
| Noncurrent loans to loans | 0.0367% | 3,631 |
| Net loans and leases to total assets | 71.1700% | 1,380 |
| Net loans and leases to deposits | 92.2360% | 755 |
| Net loans and leases to core deposits | 103.1765% | 690 |
| Total domestic deposits to total assets | 77.1600% | 4,311 |
| Equity capital to assets | 12.2613% | 828 |
| Core capital (leverage) ratio | 16.5064% | 400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $50,004,000 | 4,474 |
| Average earning assets | $45,874,000 | 4,454 |
| Average equity | $7,024,500 | 4,252 |
| Average total loans | $35,000,750 | 4,175 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1652% | 684 |
| Cost of funding earning assets | 0.1476% | 3,607 |
| Net interest margin | 4.0176% | 476 |
| Noninterest income to average assets | 0.2888% | 3,441 |
| Noninterest expense to average assets | 3.1203% | 712 |
| Loan and lease loss provision to assets | 0.0325% | 2,002 |
| Net operating income to assets | 0.6265% | 3,552 |
| Return on assets (ROA) | 0.6265% | 3,500 |
| Pretax return on assets | 0.7892% | 3,357 |
| Return on Equity (ROE) | 4.2665% | 3,972 |
| Retained earnings to average equity (ytd only) | 3.5185% | 3,269 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1538% | 1,011 |
| Assets per employee ($millions) | 5.5013% | 3,225 |
| Cash dividends to net income (ytd only)* | 17.5325% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0896% | 458 |
| Loan loss allowance to noncurrent loans | 1,608.8889% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.2121% | 2,258 |
| Noncurrent loans to loans | 0.1299% | 3,070 |
| Net loans and leases to total assets | 68.5167% | 1,435 |
| Net loans and leases to deposits | 87.5255% | 874 |
| Net loans and leases to core deposits | 98.8606% | 722 |
| Total domestic deposits to total assets | 78.2820% | 4,339 |
| Equity capital to assets | 13.7785% | 551 |
| Core capital (leverage) ratio | 17.2295% | 312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,161,667 | 4,520 |
| Average earning assets | $44,703,667 | 4,523 |
| Average equity | $7,219,000 | 4,293 |
| Average total loans | $33,962,667 | 4,245 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1212% | 614 |
| Cost of funding earning assets | 0.1183% | 3,917 |
| Net interest margin | 4.0030% | 417 |
| Noninterest income to average assets | 0.3348% | 3,089 |
| Noninterest expense to average assets | 3.3152% | 525 |
| Loan and lease loss provision to assets | 0.0408% | 1,621 |
| Net operating income to assets | 0.4818% | 3,756 |
| Return on assets (ROA) | 0.4818% | 3,724 |
| Pretax return on assets | 0.5716% | 3,701 |
| Return on Equity (ROE) | 3.1817% | 4,051 |
| Retained earnings to average equity (ytd only) | 3.1817% | 3,200 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4075% | 822 |
| Assets per employee ($millions) | 5.4301% | 3,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1835% | 450 |
| Loan loss allowance to noncurrent loans | 1,716.6667% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.2578% | 2,115 |
| Noncurrent loans to loans | 0.1272% | 3,180 |
| Net loans and leases to total assets | 66.0903% | 1,402 |
| Net loans and leases to deposits | 80.0749% | 1,142 |
| Net loans and leases to core deposits | 89.9844% | 925 |
| Total domestic deposits to total assets | 82.5357% | 4,014 |
| Equity capital to assets | 14.7102% | 425 |
| Core capital (leverage) ratio | 17.1940% | 283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,986,500 | 4,546 |
| Average earning assets | $43,967,500 | 4,560 |
| Average equity | $7,417,500 | 4,323 |
| Average total loans | $33,620,000 | 4,269 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5444% | 126 |
| Cost of funding earning assets | 0.1454% | 4,020 |
| Net interest margin | 5.3990% | 92 |
| Noninterest income to average assets | 0.5641% | 2,305 |
| Noninterest expense to average assets | 3.7206% | 383 |
| Loan and lease loss provision to assets | 0.1400% | 863 |
| Net operating income to assets | 1.2768% | 1,672 |
| Return on assets (ROA) | 1.2768% | 1,727 |
| Pretax return on assets | 1.6600% | 1,244 |
| Return on Equity (ROE) | 7.9301% | 3,240 |
| Retained earnings to average equity (ytd only) | 7.2214% | 1,836 |
| Net charge-offs to loans | 0.0029% | 2,513 |
| Credit loss provision to net charge-offs | 6,500.0000% | 112 |
| Earnings coverage of net charge-offs (x) | 836.0000% | 177 |
| Efficiency ratio | 67.3947% | 2,071 |
| Assets per employee ($millions) | 5.4558% | 3,300 |
| Cash dividends to net income (ytd only)* | 8.9376% | 3,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0894% | 530 |
| Loan loss allowance to noncurrent loans | 1,625.0000% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.2607% | 2,252 |
| Noncurrent loans to loans | 0.1286% | 3,288 |
| Net loans and leases to total assets | 68.2355% | 1,239 |
| Net loans and leases to deposits | 83.5807% | 937 |
| Net loans and leases to core deposits | 93.9805% | 782 |
| Total domestic deposits to total assets | 81.6403% | 4,019 |
| Equity capital to assets | 15.5717% | 426 |
| Core capital (leverage) ratio | 17.0506% | 288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,444,600 | 4,597 |
| Average earning assets | $42,637,600 | 4,589 |
| Average equity | $7,477,800 | 4,380 |
| Average total loans | $34,312,200 | 4,298 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9817% | 89 |
| Cost of funding earning assets | 0.1543% | 4,074 |
| Net interest margin | 5.8274% | 66 |
| Noninterest income to average assets | 0.5737% | 2,324 |
| Noninterest expense to average assets | 3.8327% | 333 |
| Loan and lease loss provision to assets | 0.1747% | 612 |
| Net operating income to assets | 1.4911% | 1,294 |
| Return on assets (ROA) | 1.4911% | 1,339 |
| Pretax return on assets | 1.9571% | 852 |
| Return on Equity (ROE) | 9.1806% | 3,049 |
| Retained earnings to average equity (ytd only) | 8.7144% | 1,799 |
| Net charge-offs to loans | 0.0039% | 2,208 |
| Credit loss provision to net charge-offs | 6,000.0000% | 132 |
| Earnings coverage of net charge-offs (x) | 732.0000% | 219 |
| Efficiency ratio | 64.2578% | 2,348 |
| Assets per employee ($millions) | 5.3636% | 3,337 |
| Cash dividends to net income (ytd only)* | 5.0781% | 3,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0194% | 611 |
| Loan loss allowance to noncurrent loans | 1,577.7778% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.2672% | 2,438 |
| Noncurrent loans to loans | 0.1280% | 3,464 |
| Net loans and leases to total assets | 71.3644% | 940 |
| Net loans and leases to deposits | 87.8823% | 722 |
| Net loans and leases to core deposits | 99.0910% | 624 |
| Total domestic deposits to total assets | 81.2044% | 4,058 |
| Equity capital to assets | 15.7565% | 443 |
| Core capital (leverage) ratio | 17.2646% | 303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,780,250 | 4,671 |
| Average earning assets | $42,350,250 | 4,652 |
| Average equity | $7,435,750 | 4,448 |
| Average total loans | $34,335,250 | 4,352 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6692% | 56 |
| Cost of funding earning assets | 0.1672% | 4,067 |
| Net interest margin | 6.5020% | 45 |
| Noninterest income to average assets | 0.6541% | 1,991 |
| Noninterest expense to average assets | 3.7509% | 351 |
| Loan and lease loss provision to assets | 0.4004% | 155 |
| Net operating income to assets | 1.9355% | 552 |
| Return on assets (ROA) | 1.9355% | 572 |
| Pretax return on assets | 2.5584% | 322 |
| Return on Equity (ROE) | 11.7902% | 2,134 |
| Retained earnings to average equity (ytd only) | 11.0855% | 1,108 |
| Net charge-offs to loans | 0.1057% | 716 |
| Credit loss provision to net charge-offs | 500.0000% | 677 |
| Earnings coverage of net charge-offs (x) | 36.9444% | 1,205 |
| Efficiency ratio | 55.9019% | 3,552 |
| Assets per employee ($millions) | 5.1394% | 3,523 |
| Cash dividends to net income (ytd only)* | 5.9770% | 2,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0684% | 533 |
| Loan loss allowance to noncurrent loans | 296.3115% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.6097% | 1,370 |
| Noncurrent loans to loans | 0.6981% | 1,685 |
| Net loans and leases to total assets | 74.0050% | 757 |
| Net loans and leases to deposits | 92.1600% | 534 |
| Net loans and leases to core deposits | 100.8663% | 633 |
| Total domestic deposits to total assets | 80.3005% | 4,190 |
| Equity capital to assets | 16.4004% | 384 |
| Core capital (leverage) ratio | 17.2100% | 296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,949,667 | 4,705 |
| Average earning assets | $41,864,333 | 4,690 |
| Average equity | $7,379,000 | 4,480 |
| Average total loans | $34,060,667 | 4,392 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1573% | 43 |
| Cost of funding earning assets | 0.1739% | 4,131 |
| Net interest margin | 6.9835% | 33 |
| Noninterest income to average assets | 0.4334% | 2,909 |
| Noninterest expense to average assets | 3.9280% | 304 |
| Loan and lease loss provision to assets | 0.3612% | 229 |
| Net operating income to assets | 2.0227% | 556 |
| Return on assets (ROA) | 2.0227% | 599 |
| Pretax return on assets | 2.6729% | 341 |
| Return on Equity (ROE) | 12.3153% | 1,897 |
| Retained earnings to average equity (ytd only) | 12.3153% | 1,071 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4202% | 3,499 |
| Assets per employee ($millions) | 5.1871% | 3,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8884% | 752 |
| Loan loss allowance to noncurrent loans | 270.9804% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.6276% | 1,511 |
| Noncurrent loans to loans | 0.6969% | 1,849 |
| Net loans and leases to total assets | 76.9022% | 546 |
| Net loans and leases to deposits | 97.4458% | 361 |
| Net loans and leases to core deposits | 105.9370% | 515 |
| Total domestic deposits to total assets | 78.9178% | 4,340 |
| Equity capital to assets | 15.7227% | 417 |
| Core capital (leverage) ratio | 17.8514% | 267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,297,000 | 4,734 |
| Average earning assets | $41,412,000 | 4,715 |
| Average equity | $7,275,500 | 4,502 |
| Average total loans | $33,614,000 | 4,420 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0959% | 416 |
| Cost of funding earning assets | 0.3336% | 3,961 |
| Net interest margin | 4.7623% | 185 |
| Noninterest income to average assets | 0.6546% | 2,009 |
| Noninterest expense to average assets | 3.7518% | 490 |
| Loan and lease loss provision to assets | 0.5862% | 350 |
| Net operating income to assets | 0.5940% | 3,774 |
| Return on assets (ROA) | 0.7035% | 3,555 |
| Pretax return on assets | 0.8818% | 3,421 |
| Return on Equity (ROE) | 3.9931% | 4,160 |
| Retained earnings to average equity (ytd only) | 3.2721% | 3,192 |
| Net charge-offs to loans | 0.1936% | 885 |
| Credit loss provision to net charge-offs | 436.3636% | 1,357 |
| Earnings coverage of net charge-offs (x) | 9.9091% | 2,498 |
| Efficiency ratio | 73.8107% | 1,478 |
| Assets per employee ($millions) | 4.6567% | 3,757 |
| Cash dividends to net income (ytd only)* | 18.0556% | 3,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1250% | 474 |
| Loan loss allowance to noncurrent loans | 262.5000% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.6824% | 1,527 |
| Noncurrent loans to loans | 0.8095% | 1,729 |
| Net loans and leases to total assets | 71.5462% | 1,355 |
| Net loans and leases to deposits | 92.7840% | 732 |
| Net loans and leases to core deposits | 106.6550% | 617 |
| Total domestic deposits to total assets | 77.1105% | 4,401 |
| Equity capital to assets | 17.2059% | 320 |
| Core capital (leverage) ratio | 17.5399% | 279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,940,600 | 4,759 |
| Average earning assets | $38,069,800 | 4,739 |
| Average equity | $7,212,400 | 4,501 |
| Average total loans | $28,413,000 | 4,543 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2678% | 364 |
| Cost of funding earning assets | 0.3768% | 3,926 |
| Net interest margin | 4.8910% | 168 |
| Noninterest income to average assets | 0.5143% | 2,546 |
| Noninterest expense to average assets | 3.7020% | 529 |
| Loan and lease loss provision to assets | 0.5406% | 513 |
| Net operating income to assets | 0.6650% | 3,581 |
| Return on assets (ROA) | 0.6650% | 3,683 |
| Pretax return on assets | 0.8223% | 3,586 |
| Return on Equity (ROE) | 3.7525% | 4,225 |
| Retained earnings to average equity (ytd only) | 3.2719% | 3,406 |
| Net charge-offs to loans | 0.2058% | 742 |
| Credit loss provision to net charge-offs | 383.7209% | 1,512 |
| Earnings coverage of net charge-offs (x) | 9.6744% | 2,414 |
| Efficiency ratio | 73.0918% | 1,514 |
| Assets per employee ($millions) | 4.9049% | 3,372 |
| Cash dividends to net income (ytd only)* | 12.8079% | 3,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8095% | 708 |
| Loan loss allowance to noncurrent loans | 253.4483% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.5256% | 2,124 |
| Noncurrent loans to loans | 0.7139% | 2,008 |
| Net loans and leases to total assets | 72.2816% | 1,622 |
| Net loans and leases to deposits | 96.5680% | 717 |
| Net loans and leases to core deposits | 111.6914% | 635 |
| Total domestic deposits to total assets | 74.8505% | 4,516 |
| Equity capital to assets | 16.6659% | 404 |
| Core capital (leverage) ratio | 17.6203% | 289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.9611% | 190 |
| Memoranda: | ||
| Average total assets | $40,698,250 | 4,790 |
| Average earning assets | $37,864,500 | 4,765 |
| Average equity | $7,212,750 | 4,524 |
| Average total loans | $27,857,250 | 4,585 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5413% | 316 |
| Cost of funding earning assets | 0.4296% | 3,899 |
| Net interest margin | 5.1117% | 164 |
| Noninterest income to average assets | 0.4652% | 2,736 |
| Noninterest expense to average assets | 3.6814% | 592 |
| Loan and lease loss provision to assets | 0.7585% | 336 |
| Net operating income to assets | 0.6372% | 3,618 |
| Return on assets (ROA) | 0.6372% | 3,704 |
| Pretax return on assets | 0.7788% | 3,653 |
| Return on Equity (ROE) | 3.5173% | 4,239 |
| Retained earnings to average equity (ytd only) | 2.7915% | 3,460 |
| Net charge-offs to loans | 0.0760% | 1,492 |
| Credit loss provision to net charge-offs | 1,500.0000% | 596 |
| Earnings coverage of net charge-offs (x) | 30.4000% | 1,425 |
| Efficiency ratio | 70.5426% | 1,878 |
| Assets per employee ($millions) | 4.7043% | 3,524 |
| Cash dividends to net income (ytd only)* | 20.6349% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9934% | 439 |
| Loan loss allowance to noncurrent loans | 232.1839% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.6519% | 1,864 |
| Noncurrent loans to loans | 0.8586% | 1,773 |
| Net loans and leases to total assets | 70.3701% | 1,972 |
| Net loans and leases to deposits | 91.6006% | 1,205 |
| Net loans and leases to core deposits | 101.0000% | 1,188 |
| Total domestic deposits to total assets | 76.8228% | 4,339 |
| Equity capital to assets | 17.2134% | 356 |
| Core capital (leverage) ratio | 18.3554% | 273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.1333% | 173 |
| Memoranda: | ||
| Average total assets | $39,549,667 | 4,827 |
| Average earning assets | $36,778,333 | 4,804 |
| Average equity | $7,164,667 | 4,550 |
| Average total loans | $26,311,000 | 4,637 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9339% | 1,109 |
| Cost of funding earning assets | 0.5206% | 3,842 |
| Net interest margin | 4.4134% | 606 |
| Noninterest income to average assets | 0.2831% | 3,830 |
| Noninterest expense to average assets | 3.6273% | 791 |
| Loan and lease loss provision to assets | 0.0524% | 3,121 |
| Net operating income to assets | 0.5871% | 3,636 |
| Return on assets (ROA) | 0.5871% | 3,694 |
| Pretax return on assets | 0.6919% | 3,707 |
| Return on Equity (ROE) | 3.1536% | 4,178 |
| Retained earnings to average equity (ytd only) | 3.1536% | 3,016 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9736% | 903 |
| Assets per employee ($millions) | 4.2698% | 3,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9213% | 582 |
| Loan loss allowance to noncurrent loans | 139.3491% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 0.9446% | 1,410 |
| Noncurrent loans to loans | 1.3787% | 1,167 |
| Net loans and leases to total assets | 62.5690% | 3,243 |
| Net loans and leases to deposits | 83.8004% | 2,258 |
| Net loans and leases to core deposits | 93.6585% | 2,005 |
| Total domestic deposits to total assets | 74.6643% | 4,608 |
| Equity capital to assets | 18.6375% | 311 |
| Core capital (leverage) ratio | 19.7647% | 245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.8561% | 187 |
| Memoranda: | ||
| Average total assets | $38,155,000 | 4,877 |
| Average earning assets | $35,347,000 | 4,861 |
| Average equity | $7,103,000 | 4,588 |
| Average total loans | $24,266,500 | 4,716 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4689% | 595 |
| Cost of funding earning assets | 0.7009% | 3,155 |
| Net interest margin | 4.7680% | 415 |
| Noninterest income to average assets | 0.2698% | 4,065 |
| Noninterest expense to average assets | 3.5652% | 883 |
| Loan and lease loss provision to assets | 0.1834% | 1,124 |
| Net operating income to assets | 0.8225% | 3,473 |
| Return on assets (ROA) | 0.8225% | 3,570 |
| Pretax return on assets | 0.9404% | 3,631 |
| Return on Equity (ROE) | 4.4898% | 4,348 |
| Retained earnings to average equity (ytd only) | 3.7463% | 3,104 |
| Net charge-offs to loans | 0.0168% | 3,119 |
| Credit loss provision to net charge-offs | 1,750.0000% | 214 |
| Earnings coverage of net charge-offs (x) | 107.2500% | 644 |
| Efficiency ratio | 76.0335% | 1,367 |
| Assets per employee ($millions) | 4.2091% | 3,627 |
| Cash dividends to net income (ytd only)* | 16.5605% | 3,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9402% | 511 |
| Loan loss allowance to noncurrent loans | 285.8896% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.4963% | 2,426 |
| Noncurrent loans to loans | 0.6787% | 2,189 |
| Net loans and leases to total assets | 62.1720% | 3,380 |
| Net loans and leases to deposits | 93.0468% | 1,250 |
| Net loans and leases to core deposits | 102.8427% | 1,327 |
| Total domestic deposits to total assets | 66.8180% | 5,014 |
| Equity capital to assets | 18.5946% | 328 |
| Core capital (leverage) ratio | 19.6763% | 252 |
| Tier 1 risk-based capital ratio | 34.4727% | 341 |
| Total risk-based capital ratio | 35.7354% | 334 |
| Memoranda: | ||
| Average total assets | $38,174,200 | 4,922 |
| Average earning assets | $35,382,000 | 4,908 |
| Average equity | $6,993,600 | 4,641 |
| Average total loans | $23,871,200 | 4,785 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4315% | 658 |
| Cost of funding earning assets | 0.7222% | 3,106 |
| Net interest margin | 4.7093% | 492 |
| Noninterest income to average assets | 0.2336% | 4,340 |
| Noninterest expense to average assets | 3.7928% | 665 |
| Loan and lease loss provision to assets | 0.1220% | 1,603 |
| Net operating income to assets | 0.5996% | 4,293 |
| Return on assets (ROA) | 0.5996% | 4,345 |
| Pretax return on assets | 0.6833% | 4,381 |
| Return on Equity (ROE) | 3.2851% | 4,720 |
| Retained earnings to average equity (ytd only) | 2.7884% | 3,979 |
| Net charge-offs to loans | 0.0224% | 2,655 |
| Credit loss provision to net charge-offs | 875.0000% | 405 |
| Earnings coverage of net charge-offs (x) | 57.7842% | 1,082 |
| Efficiency ratio | 82.4867% | 727 |
| Assets per employee ($millions) | 4.2661% | 3,527 |
| Cash dividends to net income (ytd only)* | 15.1180% | 3,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7597% | 733 |
| Loan loss allowance to noncurrent loans | 71.4760% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 1.6356% | 638 |
| Noncurrent loans to loans | 2.4619% | 479 |
| Net loans and leases to total assets | 62.6696% | 3,426 |
| Net loans and leases to deposits | 95.0579% | 1,118 |
| Net loans and leases to core deposits | 102.2566% | 1,474 |
| Total domestic deposits to total assets | 65.9279% | 5,099 |
| Equity capital to assets | 18.6431% | 336 |
| Core capital (leverage) ratio | 18.8914% | 294 |
| Tier 1 risk-based capital ratio | 33.9392% | 373 |
| Total risk-based capital ratio | 35.1973% | 370 |
| Memoranda: | ||
| Average total assets | $38,247,250 | 4,995 |
| Average earning assets | $35,446,750 | 4,979 |
| Average equity | $6,981,000 | 4,701 |
| Average total loans | $23,834,500 | 4,856 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3257% | 771 |
| Cost of funding earning assets | 0.7237% | 3,021 |
| Net interest margin | 4.6020% | 613 |
| Noninterest income to average assets | 0.1833% | 4,649 |
| Noninterest expense to average assets | 3.8274% | 643 |
| Loan and lease loss provision to assets | 0.0524% | 2,771 |
| Net operating income to assets | 0.5184% | 4,490 |
| Return on assets (ROA) | 0.5184% | 4,522 |
| Pretax return on assets | 0.5655% | 4,601 |
| Return on Equity (ROE) | 2.8604% | 4,816 |
| Retained earnings to average equity (ytd only) | 2.1092% | 4,080 |
| Net charge-offs to loans | 0.0339% | 2,184 |
| Credit loss provision to net charge-offs | 250.0000% | 1,009 |
| Earnings coverage of net charge-offs (x) | 29.5000% | 1,479 |
| Efficiency ratio | 86.1013% | 543 |
| Assets per employee ($millions) | 4.3423% | 3,381 |
| Cash dividends to net income (ytd only)* | 26.2626% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6616% | 892 |
| Loan loss allowance to noncurrent loans | 64.1390% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 1.6862% | 627 |
| Noncurrent loans to loans | 2.5907% | 438 |
| Net loans and leases to total assets | 61.4826% | 3,603 |
| Net loans and leases to deposits | 91.3196% | 1,584 |
| Net loans and leases to core deposits | 99.6144% | 1,757 |
| Total domestic deposits to total assets | 67.3268% | 5,124 |
| Equity capital to assets | 18.0036% | 381 |
| Core capital (leverage) ratio | 18.8574% | 289 |
| Tier 1 risk-based capital ratio | 33.3685% | 380 |
| Total risk-based capital ratio | 34.6270% | 373 |
| Memoranda: | ||
| Average total assets | $38,198,000 | 5,035 |
| Average earning assets | $35,375,670 | 5,015 |
| Average equity | $6,922,000 | 4,737 |
| Average total loans | $23,615,000 | 4,897 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3892% | 648 |
| Cost of funding earning assets | 0.7323% | 2,876 |
| Net interest margin | 4.6570% | 544 |
| Noninterest income to average assets | 0.1589% | 4,785 |
| Noninterest expense to average assets | 3.5279% | 929 |
| Loan and lease loss provision to assets | 0.0530% | 2,603 |
| Net operating income to assets | 0.7628% | 3,739 |
| Return on assets (ROA) | 0.7628% | 3,785 |
| Pretax return on assets | 0.8899% | 3,801 |
| Return on Equity (ROE) | 4.1952% | 4,531 |
| Retained earnings to average equity (ytd only) | 4.1952% | 3,239 |
| Net charge-offs to loans | -0.0689% | 4,923 |
| Credit loss provision to net charge-offs | -125.0000% | 3,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9100% | 1,169 |
| Assets per employee ($millions) | 4.2447% | 3,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7302% | 807 |
| Loan loss allowance to noncurrent loans | 48.1743% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 2.2224% | 393 |
| Noncurrent loans to loans | 3.5915% | 248 |
| Net loans and leases to total assets | 60.8083% | 3,627 |
| Net loans and leases to deposits | 88.1661% | 1,850 |
| Net loans and leases to core deposits | 96.1268% | 1,918 |
| Total domestic deposits to total assets | 68.9702% | 5,143 |
| Equity capital to assets | 18.1954% | 335 |
| Core capital (leverage) ratio | 19.3609% | 260 |
| Tier 1 risk-based capital ratio | 33.8207% | 356 |
| Total risk-based capital ratio | 35.0778% | 351 |
| Memoranda: | ||
| Average total assets | $37,756,500 | 5,096 |
| Average earning assets | $34,958,500 | 5,079 |
| Average equity | $6,865,000 | 4,777 |
| Average total loans | $23,205,500 | 4,968 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1033% | 843 |
| Cost of funding earning assets | 0.6119% | 2,637 |
| Net interest margin | 4.4914% | 774 |
| Noninterest income to average assets | 0.3092% | 4,045 |
| Noninterest expense to average assets | 3.6502% | 821 |
| Loan and lease loss provision to assets | 0.0383% | 3,436 |
| Net operating income to assets | 0.6813% | 4,195 |
| Return on assets (ROA) | 0.6813% | 4,198 |
| Pretax return on assets | 0.7579% | 4,275 |
| Return on Equity (ROE) | 3.8631% | 4,746 |
| Retained earnings to average equity (ytd only) | 3.0563% | 3,868 |
| Net charge-offs to loans | 0.0045% | 3,559 |
| Credit loss provision to net charge-offs | 1,400.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 291.0000% | 336 |
| Efficiency ratio | 82.0923% | 797 |
| Assets per employee ($millions) | 4.1457% | 3,691 |
| Cash dividends to net income (ytd only)* | 20.8835% | 3,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7565% | 743 |
| Loan loss allowance to noncurrent loans | 45.6100% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 2.3505% | 345 |
| Noncurrent loans to loans | 3.8512% | 201 |
| Net loans and leases to total assets | 59.9609% | 3,783 |
| Net loans and leases to deposits | 94.4006% | 1,238 |
| Net loans and leases to core deposits | 103.7759% | 1,433 |
| Total domestic deposits to total assets | 63.5175% | 5,289 |
| Equity capital to assets | 18.1689% | 327 |
| Core capital (leverage) ratio | 19.4130% | 249 |
| Tier 1 risk-based capital ratio | 34.8651% | 323 |
| Total risk-based capital ratio | 36.1245% | 318 |
| Memoranda: | ||
| Average total assets | $36,546,000 | 5,151 |
| Average earning assets | $33,664,200 | 5,141 |
| Average equity | $6,445,600 | 4,835 |
| Average total loans | $22,417,600 | 5,018 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0341% | 875 |
| Cost of funding earning assets | 0.5700% | 2,707 |
| Net interest margin | 4.4641% | 798 |
| Noninterest income to average assets | 0.3227% | 3,987 |
| Noninterest expense to average assets | 3.8142% | 658 |
| Loan and lease loss provision to assets | 0.0330% | 3,356 |
| Net operating income to assets | 0.5244% | 4,707 |
| Return on assets (ROA) | 0.5244% | 4,711 |
| Pretax return on assets | 0.5831% | 4,757 |
| Return on Equity (ROE) | 2.9967% | 5,004 |
| Retained earnings to average equity (ytd only) | 2.4520% | 4,420 |
| Net charge-offs to loans | 0.0179% | 2,796 |
| Credit loss provision to net charge-offs | 300.0000% | 1,022 |
| Earnings coverage of net charge-offs (x) | 55.9975% | 1,100 |
| Efficiency ratio | 86.0927% | 507 |
| Assets per employee ($millions) | 4.0831% | 3,762 |
| Cash dividends to net income (ytd only)* | 18.1842% | 3,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7798% | 753 |
| Loan loss allowance to noncurrent loans | 46.8415% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 2.2831% | 417 |
| Noncurrent loans to loans | 3.7996% | 235 |
| Net loans and leases to total assets | 59.0182% | 3,946 |
| Net loans and leases to deposits | 89.9171% | 1,908 |
| Net loans and leases to core deposits | 98.6401% | 1,893 |
| Total domestic deposits to total assets | 65.6362% | 5,330 |
| Equity capital to assets | 17.2254% | 406 |
| Core capital (leverage) ratio | 19.5728% | 252 |
| Tier 1 risk-based capital ratio | 35.7301% | 308 |
| Total risk-based capital ratio | 36.9862% | 303 |
| Memoranda: | ||
| Average total assets | $36,354,750 | 5,217 |
| Average earning assets | $33,451,000 | 5,209 |
| Average equity | $6,362,250 | 4,895 |
| Average total loans | $22,329,000 | 5,080 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0957% | 666 |
| Cost of funding earning assets | 0.5209% | 2,829 |
| Net interest margin | 4.5748% | 590 |
| Noninterest income to average assets | 0.3313% | 3,968 |
| Noninterest expense to average assets | 4.1189% | 463 |
| Loan and lease loss provision to assets | 0.0221% | 3,472 |
| Net operating income to assets | 0.4196% | 4,921 |
| Return on assets (ROA) | 0.4196% | 4,926 |
| Pretax return on assets | 0.4086% | 5,038 |
| Return on Equity (ROE) | 2.3851% | 5,124 |
| Retained earnings to average equity (ytd only) | 1.5691% | 4,617 |
| Net charge-offs to loans | -0.0268% | 4,700 |
| Credit loss provision to net charge-offs | -133.3333% | 4,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5340% | 354 |
| Assets per employee ($millions) | 4.0853% | 3,752 |
| Cash dividends to net income (ytd only)* | 34.2105% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7624% | 807 |
| Loan loss allowance to noncurrent loans | 76.2089% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 1.4061% | 978 |
| Noncurrent loans to loans | 2.3126% | 587 |
| Net loans and leases to total assets | 59.7313% | 3,834 |
| Net loans and leases to deposits | 93.9511% | 1,363 |
| Net loans and leases to core deposits | 99.3711% | 1,783 |
| Total domestic deposits to total assets | 63.5770% | 5,418 |
| Equity capital to assets | 17.2786% | 378 |
| Core capital (leverage) ratio | 19.5471% | 243 |
| Tier 1 risk-based capital ratio | 35.5148% | 321 |
| Total risk-based capital ratio | 36.7752% | 317 |
| Memoranda: | ||
| Average total assets | $36,223,670 | 5,284 |
| Average earning assets | $33,400,670 | 5,271 |
| Average equity | $6,373,000 | 4,949 |
| Average total loans | $22,411,670 | 5,140 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2856% | 413 |
| Cost of funding earning assets | 0.4685% | 3,059 |
| Net interest margin | 4.8171% | 332 |
| Noninterest income to average assets | 0.4450% | 3,147 |
| Noninterest expense to average assets | 4.1945% | 413 |
| Loan and lease loss provision to assets | 0.0556% | 2,654 |
| Net operating income to assets | 0.6119% | 4,390 |
| Return on assets (ROA) | 0.6119% | 4,396 |
| Pretax return on assets | 0.6564% | 4,554 |
| Return on Equity (ROE) | 3.4467% | 4,907 |
| Retained earnings to average equity (ytd only) | 3.4467% | 3,825 |
| Net charge-offs to loans | -0.0357% | 4,821 |
| Credit loss provision to net charge-offs | -250.0000% | 3,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4875% | 681 |
| Assets per employee ($millions) | 4.0120% | 3,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7411% | 878 |
| Loan loss allowance to noncurrent loans | 114.2029% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 0.9555% | 1,657 |
| Noncurrent loans to loans | 1.5245% | 1,152 |
| Net loans and leases to total assets | 61.5819% | 3,595 |
| Net loans and leases to deposits | 96.6909% | 962 |
| Net loans and leases to core deposits | 102.3568% | 1,499 |
| Total domestic deposits to total assets | 63.6895% | 5,489 |
| Equity capital to assets | 17.5889% | 349 |
| Core capital (leverage) ratio | 19.4665% | 231 |
| Tier 1 risk-based capital ratio | 36.1080% | 303 |
| Total risk-based capital ratio | 37.3681% | 297 |
| Memoranda: | ||
| Average total assets | $35,951,500 | 5,347 |
| Average earning assets | $33,298,000 | 5,330 |
| Average equity | $6,383,000 | 5,001 |
| Average total loans | $22,439,500 | 5,195 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1548% | 483 |
| Cost of funding earning assets | 0.3309% | 3,866 |
| Net interest margin | 4.8239% | 333 |
| Noninterest income to average assets | 0.4814% | 3,119 |
| Noninterest expense to average assets | 3.6661% | 832 |
| Loan and lease loss provision to assets | 0.1051% | 2,131 |
| Net operating income to assets | 0.7498% | 3,393 |
| Return on assets (ROA) | 0.7498% | 3,431 |
| Pretax return on assets | 1.1870% | 2,819 |
| Return on Equity (ROE) | 4.1685% | 4,457 |
| Retained earnings to average equity (ytd only) | 3.3686% | 3,275 |
| Net charge-offs to loans | -0.0090% | 4,761 |
| Credit loss provision to net charge-offs | -1,900.0000% | 5,151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9397% | 1,902 |
| Assets per employee ($millions) | 3.9772% | 3,999 |
| Cash dividends to net income (ytd only)* | 19.1882% | 3,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7439% | 870 |
| Loan loss allowance to noncurrent loans | 113.7830% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 0.9526% | 1,625 |
| Noncurrent loans to loans | 1.5327% | 1,103 |
| Net loans and leases to total assets | 61.0728% | 3,725 |
| Net loans and leases to deposits | 95.1968% | 1,156 |
| Net loans and leases to core deposits | 100.3120% | 1,689 |
| Total domestic deposits to total assets | 64.1542% | 5,551 |
| Equity capital to assets | 17.9215% | 321 |
| Core capital (leverage) ratio | 19.7009% | 207 |
| Tier 1 risk-based capital ratio | 36.6140% | 285 |
| Total risk-based capital ratio | 37.8756% | 277 |
| Memoranda: | ||
| Average total assets | $36,141,800 | 5,392 |
| Average earning assets | $33,541,400 | 5,373 |
| Average equity | $6,501,200 | 5,025 |
| Average total loans | $22,273,000 | 5,246 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0884% | 513 |
| Cost of funding earning assets | 0.3170% | 3,960 |
| Net interest margin | 4.7714% | 361 |
| Noninterest income to average assets | 0.4784% | 3,162 |
| Noninterest expense to average assets | 3.7465% | 724 |
| Loan and lease loss provision to assets | 0.1215% | 1,782 |
| Net operating income to assets | 0.9164% | 2,940 |
| Return on assets (ROA) | 0.9164% | 3,004 |
| Pretax return on assets | 1.0415% | 3,522 |
| Return on Equity (ROE) | 5.0897% | 4,499 |
| Retained earnings to average equity (ytd only) | 4.5584% | 3,181 |
| Net charge-offs to loans | -0.0239% | 4,914 |
| Credit loss provision to net charge-offs | -825.0000% | 4,918 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3118% | 1,541 |
| Assets per employee ($millions) | 3.9951% | 4,003 |
| Cash dividends to net income (ytd only)* | 10.4431% | 3,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7687% | 905 |
| Loan loss allowance to noncurrent loans | 112.2449% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 0.9539% | 1,786 |
| Noncurrent loans to loans | 1.5757% | 1,179 |
| Net loans and leases to total assets | 59.4699% | 3,925 |
| Net loans and leases to deposits | 91.2672% | 1,656 |
| Net loans and leases to core deposits | 94.9976% | 2,169 |
| Total domestic deposits to total assets | 65.1602% | 5,608 |
| Equity capital to assets | 18.4197% | 301 |
| Core capital (leverage) ratio | 19.3984% | 228 |
| Tier 1 risk-based capital ratio | 35.7369% | 311 |
| Total risk-based capital ratio | 36.9965% | 306 |
| Memoranda: | ||
| Average total assets | $36,228,500 | 5,454 |
| Average earning assets | $33,644,250 | 5,429 |
| Average equity | $6,522,750 | 5,074 |
| Average total loans | $22,279,000 | 5,300 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1032% | 470 |
| Cost of funding earning assets | 0.2964% | 4,113 |
| Net interest margin | 4.8068% | 319 |
| Noninterest income to average assets | 0.4571% | 3,309 |
| Noninterest expense to average assets | 3.8877% | 600 |
| Loan and lease loss provision to assets | 0.1542% | 1,303 |
| Net operating income to assets | 0.7875% | 3,451 |
| Return on assets (ROA) | 0.7875% | 3,508 |
| Pretax return on assets | 0.8811% | 3,991 |
| Return on Equity (ROE) | 4.4072% | 4,693 |
| Retained earnings to average equity (ytd only) | 3.6059% | 3,558 |
| Net charge-offs to loans | -0.0267% | 4,904 |
| Credit loss provision to net charge-offs | -933.3333% | 4,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9709% | 1,337 |
| Assets per employee ($millions) | 4.0096% | 3,938 |
| Cash dividends to net income (ytd only)* | 18.1818% | 3,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7108% | 1,037 |
| Loan loss allowance to noncurrent loans | 479.7468% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.2189% | 4,280 |
| Noncurrent loans to loans | 0.3566% | 3,752 |
| Net loans and leases to total assets | 60.3420% | 3,815 |
| Net loans and leases to deposits | 92.7938% | 1,385 |
| Net loans and leases to core deposits | 96.5760% | 1,921 |
| Total domestic deposits to total assets | 65.0280% | 5,652 |
| Equity capital to assets | 18.1566% | 319 |
| Core capital (leverage) ratio | 18.8802% | 248 |
| Tier 1 risk-based capital ratio | 35.2404% | 297 |
| Total risk-based capital ratio | 36.4967% | 290 |
| Memoranda: | ||
| Average total assets | $36,319,330 | 5,497 |
| Average earning assets | $33,743,670 | 5,476 |
| Average equity | $6,489,330 | 5,106 |
| Average total loans | $22,449,330 | 5,338 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0796% | 460 |
| Cost of funding earning assets | 0.2822% | 4,233 |
| Net interest margin | 4.7974% | 313 |
| Noninterest income to average assets | 0.4721% | 3,178 |
| Noninterest expense to average assets | 3.4911% | 1,058 |
| Loan and lease loss provision to assets | 0.2525% | 588 |
| Net operating income to assets | 1.0539% | 2,058 |
| Return on assets (ROA) | 1.0539% | 2,105 |
| Pretax return on assets | 1.2076% | 2,563 |
| Return on Equity (ROE) | 5.9461% | 3,946 |
| Retained earnings to average equity (ytd only) | 5.9461% | 2,377 |
| Net charge-offs to loans | -0.0177% | 4,677 |
| Credit loss provision to net charge-offs | -2,300.0000% | 4,602 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5100% | 2,813 |
| Assets per employee ($millions) | 4.1017% | 3,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6497% | 1,249 |
| Loan loss allowance to noncurrent loans | 347.6636% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.2899% | 4,047 |
| Noncurrent loans to loans | 0.4745% | 3,389 |
| Net loans and leases to total assets | 60.0786% | 3,780 |
| Net loans and leases to deposits | 94.6282% | 1,053 |
| Net loans and leases to core deposits | 97.4044% | 1,711 |
| Total domestic deposits to total assets | 63.4891% | 5,748 |
| Equity capital to assets | 17.6324% | 329 |
| Core capital (leverage) ratio | 18.4785% | 261 |
| Tier 1 risk-based capital ratio | 34.3311% | 342 |
| Total risk-based capital ratio | 35.5893% | 337 |
| Memoranda: | ||
| Average total assets | $36,436,000 | 5,558 |
| Average earning assets | $34,018,500 | 5,536 |
| Average equity | $6,458,000 | 5,159 |
| Average total loans | $22,597,000 | 5,388 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9950% | 595 |
| Cost of funding earning assets | 0.2568% | 4,505 |
| Net interest margin | 4.7382% | 398 |
| Noninterest income to average assets | 0.5269% | 3,045 |
| Noninterest expense to average assets | 3.6579% | 935 |
| Loan and lease loss provision to assets | 0.1941% | 1,201 |
| Net operating income to assets | 0.8902% | 2,876 |
| Return on assets (ROA) | 0.8902% | 2,992 |
| Pretax return on assets | 1.1259% | 2,993 |
| Return on Equity (ROE) | 4.9843% | 4,441 |
| Retained earnings to average equity (ytd only) | 4.1924% | 2,923 |
| Net charge-offs to loans | 0.0571% | 2,908 |
| Credit loss provision to net charge-offs | 538.4615% | 621 |
| Earnings coverage of net charge-offs (x) | 36.6154% | 1,257 |
| Efficiency ratio | 73.4819% | 2,349 |
| Assets per employee ($millions) | 3.9952% | 3,976 |
| Cash dividends to net income (ytd only)* | 15.8879% | 3,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5368% | 1,544 |
| Loan loss allowance to noncurrent loans | 218.8679% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.4422% | 3,497 |
| Noncurrent loans to loans | 0.7022% | 2,786 |
| Net loans and leases to total assets | 62.0074% | 3,611 |
| Net loans and leases to deposits | 95.4370% | 1,054 |
| Net loans and leases to core deposits | 99.3450% | 1,680 |
| Total domestic deposits to total assets | 64.9720% | 5,775 |
| Equity capital to assets | 17.8185% | 315 |
| Core capital (leverage) ratio | 18.4733% | 254 |
| Tier 1 risk-based capital ratio | 34.2646% | 343 |
| Total risk-based capital ratio | 35.5228% | 335 |
| Memoranda: | ||
| Average total assets | $36,059,200 | 5,618 |
| Average earning assets | $33,873,800 | 5,589 |
| Average equity | $6,440,200 | 5,201 |
| Average total loans | $22,776,200 | 5,423 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9913% | 615 |
| Cost of funding earning assets | 0.2558% | 4,551 |
| Net interest margin | 4.7354% | 407 |
| Noninterest income to average assets | 0.5358% | 3,004 |
| Noninterest expense to average assets | 3.6912% | 863 |
| Loan and lease loss provision to assets | 0.1774% | 1,261 |
| Net operating income to assets | 0.9718% | 2,562 |
| Return on assets (ROA) | 0.9718% | 2,693 |
| Pretax return on assets | 1.1122% | 3,177 |
| Return on Equity (ROE) | 5.4379% | 4,338 |
| Retained earnings to average equity (ytd only) | 4.9002% | 2,898 |
| Net charge-offs to loans | 0.0292% | 3,076 |
| Credit loss provision to net charge-offs | 960.0000% | 428 |
| Earnings coverage of net charge-offs (x) | 69.7631% | 858 |
| Efficiency ratio | 74.1098% | 2,263 |
| Assets per employee ($millions) | 4.0526% | 3,870 |
| Cash dividends to net income (ytd only)* | 9.8871% | 3,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4321% | 2,055 |
| Loan loss allowance to noncurrent loans | 334.0000% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.2742% | 4,330 |
| Noncurrent loans to loans | 0.4288% | 3,752 |
| Net loans and leases to total assets | 63.0302% | 3,520 |
| Net loans and leases to deposits | 101.7528% | 590 |
| Net loans and leases to core deposits | 106.0623% | 1,178 |
| Total domestic deposits to total assets | 61.9445% | 5,873 |
| Equity capital to assets | 18.0133% | 345 |
| Core capital (leverage) ratio | 18.0584% | 299 |
| Tier 1 risk-based capital ratio | 33.6612% | 367 |
| Total risk-based capital ratio | 34.9186% | 364 |
| Memoranda: | ||
| Average total assets | $36,084,750 | 5,674 |
| Average earning assets | $33,871,500 | 5,645 |
| Average equity | $6,448,500 | 5,253 |
| Average total loans | $22,809,250 | 5,479 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9107% | 703 |
| Cost of funding earning assets | 0.2547% | 4,610 |
| Net interest margin | 4.6560% | 454 |
| Noninterest income to average assets | 0.4784% | 3,344 |
| Noninterest expense to average assets | 3.8659% | 700 |
| Loan and lease loss provision to assets | 0.0834% | 2,471 |
| Net operating income to assets | 0.8010% | 3,305 |
| Return on assets (ROA) | 0.8010% | 3,441 |
| Pretax return on assets | 0.9011% | 3,951 |
| Return on Equity (ROE) | 4.4944% | 4,715 |
| Retained earnings to average equity (ytd only) | 3.6829% | 3,546 |
| Net charge-offs to loans | 0.0177% | 3,153 |
| Credit loss provision to net charge-offs | 750.0000% | 469 |
| Earnings coverage of net charge-offs (x) | 88.5000% | 646 |
| Efficiency ratio | 79.7018% | 1,531 |
| Assets per employee ($millions) | 4.0610% | 3,796 |
| Cash dividends to net income (ytd only)* | 18.0556% | 3,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3026% | 2,768 |
| Loan loss allowance to noncurrent loans | 2,020.0000% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0410% | 5,411 |
| Noncurrent loans to loans | 0.0645% | 5,194 |
| Net loans and leases to total assets | 62.8170% | 3,527 |
| Net loans and leases to deposits | 98.7102% | 818 |
| Net loans and leases to core deposits | 102.5276% | 1,433 |
| Total domestic deposits to total assets | 63.6379% | 5,938 |
| Equity capital to assets | 17.8226% | 355 |
| Core capital (leverage) ratio | 18.3970% | 263 |
| Tier 1 risk-based capital ratio | 32.4444% | 402 |
| Total risk-based capital ratio | 33.6982% | 391 |
| Memoranda: | ||
| Average total assets | $35,955,330 | 5,741 |
| Average earning assets | $33,763,000 | 5,716 |
| Average equity | $6,408,000 | 5,306 |
| Average total loans | $22,638,000 | 5,545 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9327% | 658 |
| Cost of funding earning assets | 0.2740% | 4,454 |
| Net interest margin | 4.6586% | 451 |
| Noninterest income to average assets | 0.2468% | 4,970 |
| Noninterest expense to average assets | 3.8588% | 721 |
| Loan and lease loss provision to assets | 0.0561% | 2,822 |
| Net operating income to assets | 0.6506% | 3,972 |
| Return on assets (ROA) | 0.6506% | 4,093 |
| Pretax return on assets | 0.7179% | 4,461 |
| Return on Equity (ROE) | 3.6507% | 5,016 |
| Retained earnings to average equity (ytd only) | 3.6507% | 3,669 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2930% | 1,227 |
| Assets per employee ($millions) | 3.9357% | 4,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3185% | 2,810 |
| Loan loss allowance to noncurrent loans | 373.4177% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.2230% | 4,670 |
| Noncurrent loans to loans | 0.3531% | 4,164 |
| Net loans and leases to total assets | 62.3331% | 3,483 |
| Net loans and leases to deposits | 98.1638% | 746 |
| Net loans and leases to core deposits | 103.3661% | 1,231 |
| Total domestic deposits to total assets | 63.4991% | 6,007 |
| Equity capital to assets | 18.0627% | 319 |
| Core capital (leverage) ratio | 17.9712% | 297 |
| Tier 1 risk-based capital ratio | 34.2922% | 358 |
| Total risk-based capital ratio | 35.5448% | 352 |
| Memoranda: | ||
| Average total assets | $35,658,500 | 5,806 |
| Average earning assets | $33,572,000 | 5,774 |
| Average equity | $6,355,000 | 5,348 |
| Average total loans | $22,326,000 | 5,605 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8674% | 829 |
| Cost of funding earning assets | 0.2187% | 5,107 |
| Net interest margin | 4.6488% | 498 |
| Noninterest income to average assets | 0.3238% | 4,581 |
| Noninterest expense to average assets | 3.6604% | 1,031 |
| Loan and lease loss provision to assets | 0.0310% | 3,751 |
| Net operating income to assets | 0.8869% | 2,944 |
| Return on assets (ROA) | 0.8869% | 3,027 |
| Pretax return on assets | 1.0024% | 3,468 |
| Return on Equity (ROE) | 5.0632% | 4,473 |
| Retained earnings to average equity (ytd only) | 4.2595% | 2,952 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9844% | 1,974 |
| Assets per employee ($millions) | 3.9884% | 3,958 |
| Cash dividends to net income (ytd only)* | 15.8730% | 3,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3017% | 2,890 |
| Loan loss allowance to noncurrent loans | 185.8974% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.4346% | 3,877 |
| Noncurrent loans to loans | 0.7002% | 3,097 |
| Net loans and leases to total assets | 61.2547% | 3,654 |
| Net loans and leases to deposits | 102.4795% | 518 |
| Net loans and leases to core deposits | 108.1927% | 955 |
| Total domestic deposits to total assets | 59.7727% | 6,092 |
| Equity capital to assets | 17.5841% | 351 |
| Core capital (leverage) ratio | 17.6237% | 305 |
| Tier 1 risk-based capital ratio | 33.5324% | 376 |
| Total risk-based capital ratio | 34.7842% | 379 |
| Memoranda: | ||
| Average total assets | $35,515,200 | 5,862 |
| Average earning assets | $33,385,200 | 5,831 |
| Average equity | $6,221,400 | 5,392 |
| Average total loans | $21,689,400 | 5,657 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8723% | 817 |
| Cost of funding earning assets | 0.2123% | 5,266 |
| Net interest margin | 4.6599% | 483 |
| Noninterest income to average assets | 0.3200% | 4,651 |
| Noninterest expense to average assets | 3.7379% | 920 |
| Loan and lease loss provision to assets | 0.0226% | 3,820 |
| Net operating income to assets | 0.8432% | 3,201 |
| Return on assets (ROA) | 0.8432% | 3,288 |
| Pretax return on assets | 0.9373% | 3,857 |
| Return on Equity (ROE) | 4.8181% | 4,707 |
| Retained earnings to average equity (ytd only) | 4.2804% | 3,418 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5673% | 1,720 |
| Assets per employee ($millions) | 4.0731% | 3,752 |
| Cash dividends to net income (ytd only)* | 11.1598% | 3,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2952% | 3,127 |
| Loan loss allowance to noncurrent loans | 425.3731% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.1828% | 5,026 |
| Noncurrent loans to loans | 0.3045% | 4,509 |
| Net loans and leases to total assets | 59.2504% | 3,974 |
| Net loans and leases to deposits | 100.1568% | 655 |
| Net loans and leases to core deposits | 105.6677% | 1,126 |
| Total domestic deposits to total assets | 59.1576% | 6,183 |
| Equity capital to assets | 17.1586% | 419 |
| Core capital (leverage) ratio | 17.9653% | 303 |
| Tier 1 risk-based capital ratio | 33.1450% | 410 |
| Total risk-based capital ratio | 34.3953% | 402 |
| Memoranda: | ||
| Average total assets | $35,420,000 | 5,939 |
| Average earning assets | $33,275,750 | 5,909 |
| Average equity | $6,198,750 | 5,462 |
| Average total loans | $21,542,250 | 5,727 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9000% | 729 |
| Cost of funding earning assets | 0.2189% | 5,266 |
| Net interest margin | 4.6811% | 458 |
| Noninterest income to average assets | 0.3028% | 4,789 |
| Noninterest expense to average assets | 3.9934% | 677 |
| Loan and lease loss provision to assets | 0.0057% | 3,987 |
| Net operating income to assets | 0.6570% | 4,094 |
| Return on assets (ROA) | 0.6570% | 4,198 |
| Pretax return on assets | 0.7027% | 4,641 |
| Return on Equity (ROE) | 3.7287% | 5,128 |
| Retained earnings to average equity (ytd only) | 2.9181% | 4,179 |
| Net charge-offs to loans | 0.0094% | 3,582 |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | 124.0000% | 508 |
| Efficiency ratio | 84.9332% | 1,159 |
| Assets per employee ($millions) | 3.8601% | 4,148 |
| Cash dividends to net income (ytd only)* | 21.7391% | 3,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3012% | 3,235 |
| Loan loss allowance to noncurrent loans | 875.0000% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.0921% | 5,500 |
| Noncurrent loans to loans | 0.1487% | 5,155 |
| Net loans and leases to total assets | 61.1324% | 3,673 |
| Net loans and leases to deposits | 101.4619% | 574 |
| Net loans and leases to core deposits | 107.2518% | 1,010 |
| Total domestic deposits to total assets | 60.2516% | 6,249 |
| Equity capital to assets | 17.7168% | 361 |
| Core capital (leverage) ratio | 17.9050% | 296 |
| Tier 1 risk-based capital ratio | 33.6795% | 402 |
| Total risk-based capital ratio | 34.9343% | 398 |
| Memoranda: | ||
| Average total assets | $35,007,330 | 6,013 |
| Average earning assets | $32,898,000 | 5,979 |
| Average equity | $6,168,330 | 5,511 |
| Average total loans | $21,388,000 | 5,793 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9379% | 641 |
| Cost of funding earning assets | 0.1941% | 5,561 |
| Net interest margin | 4.7438% | 386 |
| Noninterest income to average assets | 0.2049% | 5,489 |
| Noninterest expense to average assets | 4.0182% | 674 |
| Loan and lease loss provision to assets | -0.0455% | 6,147 |
| Net operating income to assets | 0.6261% | 4,165 |
| Return on assets (ROA) | 0.6261% | 4,267 |
| Pretax return on assets | 0.6830% | 4,644 |
| Return on Equity (ROE) | 3.5628% | 5,157 |
| Retained earnings to average equity (ytd only) | 3.5628% | 3,865 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3081% | 1,153 |
| Assets per employee ($millions) | 3.8989% | 4,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2981% | 3,412 |
| Loan loss allowance to noncurrent loans | 528.8462% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.1482% | 5,362 |
| Noncurrent loans to loans | 0.2455% | 4,896 |
| Net loans and leases to total assets | 59.5896% | 3,715 |
| Net loans and leases to deposits | 95.1622% | 892 |
| Net loans and leases to core deposits | 100.3215% | 1,298 |
| Total domestic deposits to total assets | 62.6190% | 6,298 |
| Equity capital to assets | 17.7401% | 352 |
| Core capital (leverage) ratio | 17.7325% | 305 |
| Tier 1 risk-based capital ratio | 34.0089% | 393 |
| Total risk-based capital ratio | 35.2612% | 386 |
| Memoranda: | ||
| Average total assets | $35,140,500 | 6,075 |
| Average earning assets | $32,969,500 | 6,042 |
| Average equity | $6,175,000 | 5,559 |
| Average total loans | $21,323,000 | 5,846 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7645% | 1,184 |
| Cost of funding earning assets | 0.2149% | 5,627 |
| Net interest margin | 4.5496% | 679 |
| Noninterest income to average assets | 0.2563% | 5,300 |
| Noninterest expense to average assets | 3.5150% | 1,453 |
| Loan and lease loss provision to assets | 0.0620% | 3,282 |
| Net operating income to assets | 0.8112% | 3,317 |
| Return on assets (ROA) | 0.8112% | 3,403 |
| Pretax return on assets | 0.9717% | 3,609 |
| Return on Equity (ROE) | 4.6857% | 4,806 |
| Retained earnings to average equity (ytd only) | 3.8885% | 3,450 |
| Net charge-offs to loans | -0.0322% | 5,807 |
| Credit loss provision to net charge-offs | -314.2857% | 5,710 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2755% | 2,319 |
| Assets per employee ($millions) | 3.9101% | 4,143 |
| Cash dividends to net income (ytd only)* | 17.0139% | 3,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3047% | 3,399 |
| Loan loss allowance to noncurrent loans | 528.3019% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.1506% | 5,428 |
| Noncurrent loans to loans | 0.2470% | 4,945 |
| Net loans and leases to total assets | 60.1887% | 3,766 |
| Net loans and leases to deposits | 99.5722% | 645 |
| Net loans and leases to core deposits | 102.5863% | 1,203 |
| Total domestic deposits to total assets | 60.4473% | 6,403 |
| Equity capital to assets | 17.4050% | 374 |
| Core capital (leverage) ratio | 17.4959% | 325 |
| Tier 1 risk-based capital ratio | 34.6041% | 351 |
| Total risk-based capital ratio | 35.8561% | 347 |
| Memoranda: | ||
| Average total assets | $35,504,600 | 6,147 |
| Average earning assets | $33,497,600 | 6,106 |
| Average equity | $6,146,400 | 5,584 |
| Average total loans | $21,727,000 | 5,891 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7397% | 1,212 |
| Cost of funding earning assets | 0.2144% | 5,722 |
| Net interest margin | 4.5253% | 703 |
| Noninterest income to average assets | 0.2586% | 5,372 |
| Noninterest expense to average assets | 3.6084% | 1,281 |
| Loan and lease loss provision to assets | 0.0637% | 3,078 |
| Net operating income to assets | 0.7756% | 3,533 |
| Return on assets (ROA) | 0.7756% | 3,639 |
| Pretax return on assets | 0.8581% | 4,152 |
| Return on Equity (ROE) | 4.4864% | 4,971 |
| Retained earnings to average equity (ytd only) | 3.9662% | 3,827 |
| Net charge-offs to loans | -0.0490% | 5,895 |
| Credit loss provision to net charge-offs | -212.5000% | 5,572 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6526% | 1,967 |
| Assets per employee ($millions) | 3.9241% | 4,038 |
| Cash dividends to net income (ytd only)* | 11.5946% | 3,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2879% | 3,707 |
| Loan loss allowance to noncurrent loans | 475.8621% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.1642% | 5,534 |
| Noncurrent loans to loans | 0.2706% | 5,101 |
| Net loans and leases to total assets | 59.8975% | 3,805 |
| Net loans and leases to deposits | 101.3657% | 530 |
| Net loans and leases to core deposits | 104.4900% | 1,073 |
| Total domestic deposits to total assets | 59.0905% | 6,497 |
| Equity capital to assets | 17.8498% | 350 |
| Core capital (leverage) ratio | 17.3663% | 336 |
| Tier 1 risk-based capital ratio | 34.2437% | 381 |
| Total risk-based capital ratio | 35.4995% | 374 |
| Memoranda: | ||
| Average total assets | $35,583,000 | 6,215 |
| Average earning assets | $33,587,750 | 6,174 |
| Average equity | $6,151,750 | 5,647 |
| Average total loans | $21,793,500 | 5,957 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7212% | 1,243 |
| Cost of funding earning assets | 0.2138% | 5,797 |
| Net interest margin | 4.5074% | 693 |
| Noninterest income to average assets | 0.2523% | 5,392 |
| Noninterest expense to average assets | 3.5434% | 1,400 |
| Loan and lease loss provision to assets | 0.0673% | 2,918 |
| Net operating income to assets | 0.7849% | 3,402 |
| Return on assets (ROA) | 0.7849% | 3,504 |
| Pretax return on assets | 0.8971% | 3,898 |
| Return on Equity (ROE) | 4.5894% | 4,868 |
| Retained earnings to average equity (ytd only) | 3.8027% | 3,757 |
| Net charge-offs to loans | -0.0730% | 6,032 |
| Credit loss provision to net charge-offs | -150.0000% | 5,340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6070% | 2,216 |
| Assets per employee ($millions) | 3.9490% | 3,953 |
| Cash dividends to net income (ytd only)* | 17.1429% | 3,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2501% | 4,160 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 60.2318% | 3,677 |
| Net loans and leases to deposits | 101.2343% | 495 |
| Net loans and leases to core deposits | 104.3124% | 993 |
| Total domestic deposits to total assets | 59.4975% | 6,561 |
| Equity capital to assets | 17.5291% | 360 |
| Core capital (leverage) ratio | 16.9332% | 363 |
| Tier 1 risk-based capital ratio | 33.5978% | 389 |
| Total risk-based capital ratio | 34.8492% | 381 |
| Memoranda: | ||
| Average total assets | $35,671,670 | 6,274 |
| Average earning assets | $33,678,000 | 6,231 |
| Average equity | $6,101,000 | 5,693 |
| Average total loans | $21,914,670 | 5,997 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5802% | 1,556 |
| Cost of funding earning assets | 0.2130% | 5,896 |
| Net interest margin | 4.3671% | 865 |
| Noninterest income to average assets | 0.2574% | 5,294 |
| Noninterest expense to average assets | 3.5929% | 1,320 |
| Loan and lease loss provision to assets | 0.0560% | 2,998 |
| Net operating income to assets | 0.6828% | 3,770 |
| Return on assets (ROA) | 0.6828% | 3,846 |
| Pretax return on assets | 0.7387% | 4,356 |
| Return on Equity (ROE) | 4.0421% | 5,011 |
| Retained earnings to average equity (ytd only) | 4.0421% | 3,689 |
| Net charge-offs to loans | -0.1271% | 6,215 |
| Credit loss provision to net charge-offs | -71.4286% | 4,795 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8878% | 1,941 |
| Assets per employee ($millions) | 3.9406% | 4,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2079% | 4,599 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 60.6542% | 3,453 |
| Net loans and leases to deposits | 99.9164% | 439 |
| Net loans and leases to core deposits | 102.8939% | 932 |
| Total domestic deposits to total assets | 60.7049% | 6,637 |
| Equity capital to assets | 17.1944% | 378 |
| Core capital (leverage) ratio | 16.7012% | 394 |
| Tier 1 risk-based capital ratio | 33.5586% | 399 |
| Total risk-based capital ratio | 34.8088% | 394 |
| Memoranda: | ||
| Average total assets | $35,737,000 | 6,338 |
| Average earning assets | $33,798,000 | 6,291 |
| Average equity | $6,036,500 | 5,739 |
| Average total loans | $22,033,000 | 6,041 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6008% | 1,875 |
| Cost of funding earning assets | 0.2288% | 6,111 |
| Net interest margin | 4.3720% | 955 |
| Noninterest income to average assets | 0.3515% | 4,801 |
| Noninterest expense to average assets | 3.6643% | 1,344 |
| Loan and lease loss provision to assets | 0.0663% | 3,802 |
| Net operating income to assets | 0.6885% | 3,852 |
| Return on assets (ROA) | 0.6885% | 3,947 |
| Pretax return on assets | 0.7490% | 4,344 |
| Return on Equity (ROE) | 4.0440% | 5,088 |
| Retained earnings to average equity (ytd only) | 3.2318% | 3,930 |
| Net charge-offs to loans | -0.0346% | 6,251 |
| Credit loss provision to net charge-offs | -328.5714% | 6,068 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8006% | 1,903 |
| Assets per employee ($millions) | 3.2735% | 5,337 |
| Cash dividends to net income (ytd only)* | 20.0837% | 3,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1260% | 5,022 |
| 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 | 61.2097% | 3,496 |
| Net loans and leases to deposits | 105.5401% | 276 |
| Net loans and leases to core deposits | 108.7800% | 661 |
| Total domestic deposits to total assets | 57.9966% | 6,722 |
| Equity capital to assets | 16.5931% | 439 |
| Core capital (leverage) ratio | 16.6497% | 404 |
| Tier 1 risk-based capital ratio | 32.9903% | 399 |
| Total risk-based capital ratio | 34.2432% | 392 |
| Memoranda: | ||
| Average total assets | $34,713,000 | 6,422 |
| Average earning assets | $32,776,800 | 6,384 |
| Average equity | $5,910,000 | 5,841 |
| Average total loans | $20,255,000 | 6,190 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5808% | 1,959 |
| Cost of funding earning assets | 0.2301% | 6,229 |
| Net interest margin | 4.3508% | 982 |
| Noninterest income to average assets | 0.3761% | 4,700 |
| Noninterest expense to average assets | 3.7065% | 1,235 |
| Loan and lease loss provision to assets | 0.0698% | 3,667 |
| Net operating income to assets | 0.6591% | 4,073 |
| Return on assets (ROA) | 0.6591% | 4,207 |
| Pretax return on assets | 0.7056% | 4,671 |
| Return on Equity (ROE) | 3.8458% | 5,287 |
| Retained earnings to average equity (ytd only) | 3.3028% | 4,326 |
| Net charge-offs to loans | -0.0405% | 6,247 |
| Credit loss provision to net charge-offs | -300.0000% | 5,968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6990% | 1,736 |
| Assets per employee ($millions) | 3.1848% | 5,525 |
| Cash dividends to net income (ytd only)* | 14.1181% | 3,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1671% | 5,036 |
| Loan loss allowance to noncurrent loans | 24,500.0000% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 6,521 |
| Noncurrent loans to loans | 0.0048% | 6,374 |
| Net loans and leases to total assets | 59.2213% | 3,821 |
| Net loans and leases to deposits | 97.2896% | 607 |
| Net loans and leases to core deposits | 100.2077% | 1,100 |
| Total domestic deposits to total assets | 60.8712% | 6,782 |
| Equity capital to assets | 16.6700% | 456 |
| Core capital (leverage) ratio | 16.7262% | 413 |
| Tier 1 risk-based capital ratio | 34.0826% | 368 |
| Total risk-based capital ratio | 35.3345% | 360 |
| Memoranda: | ||
| Average total assets | $34,389,000 | 6,496 |
| Average earning assets | $32,453,250 | 6,458 |
| Average equity | $5,893,750 | 5,916 |
| Average total loans | $19,745,750 | 6,280 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4846% | 2,256 |
| Cost of funding earning assets | 0.2295% | 6,312 |
| Net interest margin | 4.2551% | 1,130 |
| Noninterest income to average assets | 0.4038% | 4,495 |
| Noninterest expense to average assets | 3.6460% | 1,342 |
| Loan and lease loss provision to assets | 0.0819% | 3,427 |
| Net operating income to assets | 0.6438% | 4,091 |
| Return on assets (ROA) | 0.6438% | 4,241 |
| Pretax return on assets | 0.6906% | 4,711 |
| Return on Equity (ROE) | 3.7215% | 5,329 |
| Retained earnings to average equity (ytd only) | 2.9095% | 4,461 |
| Net charge-offs to loans | -0.0207% | 5,978 |
| Credit loss provision to net charge-offs | -700.0000% | 5,976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5166% | 1,821 |
| Assets per employee ($millions) | 3.1195% | 5,639 |
| Cash dividends to net income (ytd only)* | 21.8182% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2155% | 4,901 |
| Loan loss allowance to noncurrent loans | 4,740.0000% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.0146% | 6,507 |
| Noncurrent loans to loans | 0.0256% | 6,338 |
| Net loans and leases to total assets | 56.1300% | 4,265 |
| Net loans and leases to deposits | 98.2303% | 526 |
| Net loans and leases to core deposits | 101.4378% | 979 |
| Total domestic deposits to total assets | 57.1412% | 6,854 |
| Equity capital to assets | 16.8002% | 436 |
| Core capital (leverage) ratio | 16.8907% | 380 |
| Tier 1 risk-based capital ratio | 35.6010% | 321 |
| Total risk-based capital ratio | 36.8547% | 310 |
| Memoranda: | ||
| Average total assets | $34,174,330 | 6,547 |
| Average earning assets | $32,244,000 | 6,509 |
| Average equity | $5,911,670 | 5,954 |
| Average total loans | $19,330,330 | 6,336 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4770% | 2,246 |
| Cost of funding earning assets | 0.2480% | 6,302 |
| Net interest margin | 4.2290% | 1,120 |
| Noninterest income to average assets | 0.2932% | 5,362 |
| Noninterest expense to average assets | 3.5538% | 1,511 |
| Loan and lease loss provision to assets | 0.0469% | 3,831 |
| Net operating income to assets | 0.6451% | 3,988 |
| Return on assets (ROA) | 0.6451% | 4,148 |
| Pretax return on assets | 0.6920% | 4,608 |
| Return on Equity (ROE) | 3.6759% | 5,251 |
| Retained earnings to average equity (ytd only) | 3.6759% | 4,024 |
| Net charge-offs to loans | -0.0208% | 5,731 |
| Credit loss provision to net charge-offs | -400.0000% | 5,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7869% | 1,920 |
| Assets per employee ($millions) | 3.0950% | 5,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1731% | 5,307 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 55.9260% | 4,093 |
| Net loans and leases to deposits | 85.8857% | 1,363 |
| Net loans and leases to core deposits | 88.3568% | 1,866 |
| Total domestic deposits to total assets | 65.1168% | 6,865 |
| Equity capital to assets | 17.6649% | 354 |
| Core capital (leverage) ratio | 16.7822% | 375 |
| Tier 1 risk-based capital ratio | 36.6254% | 302 |
| Total risk-based capital ratio | 37.8773% | 296 |
| Memoranda: | ||
| Average total assets | $34,104,000 | 6,615 |
| Average earning assets | $32,253,500 | 6,575 |
| Average equity | $5,985,000 | 5,990 |
| Average total loans | $19,246,500 | 6,399 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6823% | 2,670 |
| Cost of funding earning assets | 0.3880% | 5,993 |
| Net interest margin | 4.2943% | 1,410 |
| Noninterest income to average assets | 0.3555% | 4,927 |
| Noninterest expense to average assets | 3.6582% | 1,489 |
| Loan and lease loss provision to assets | 0.0547% | 5,118 |
| Net operating income to assets | 0.6474% | 4,002 |
| Return on assets (ROA) | 0.6532% | 4,239 |
| Pretax return on assets | 0.6836% | 4,719 |
| Return on Equity (ROE) | 3.4445% | 5,372 |
| Retained earnings to average equity (ytd only) | -3.9572% | 6,359 |
| Net charge-offs to loans | 0.1333% | 4,346 |
| Credit loss provision to net charge-offs | 75.0000% | 4,004 |
| Earnings coverage of net charge-offs (x) | 10.0417% | 2,191 |
| Efficiency ratio | 83.3218% | 1,707 |
| Assets per employee ($millions) | 3.1057% | 5,833 |
| Cash dividends to net income (ytd only)* | 214.8837% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1494% | 5,347 |
| 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 | 55.6333% | 4,358 |
| Net loans and leases to deposits | 89.4148% | 1,126 |
| Net loans and leases to core deposits | 92.0967% | 1,626 |
| Total domestic deposits to total assets | 62.2194% | 6,953 |
| Equity capital to assets | 17.4341% | 374 |
| Core capital (leverage) ratio | 17.2209% | 334 |
| Tier 1 risk-based capital ratio | 36.3434% | 304 |
| Total risk-based capital ratio | 37.5915% | 298 |
| Memoranda: | ||
| Average total assets | $32,912,600 | 6,684 |
| Average earning assets | $30,925,000 | 6,642 |
| Average equity | $6,241,800 | 5,952 |
| Average total loans | $18,004,000 | 6,508 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7485% | 2,583 |
| Cost of funding earning assets | 0.4230% | 5,966 |
| Net interest margin | 4.3255% | 1,404 |
| Noninterest income to average assets | 0.3640% | 4,912 |
| Noninterest expense to average assets | 3.7340% | 1,318 |
| Loan and lease loss provision to assets | 0.0573% | 5,017 |
| Net operating income to assets | 0.6015% | 4,386 |
| Return on assets (ROA) | 0.6094% | 4,605 |
| Pretax return on assets | 0.6380% | 5,057 |
| Return on Equity (ROE) | 3.1467% | 5,630 |
| Retained earnings to average equity (ytd only) | 2.4921% | 5,079 |
| Net charge-offs to loans | 0.1883% | 3,611 |
| Credit loss provision to net charge-offs | 56.0000% | 4,257 |
| Earnings coverage of net charge-offs (x) | 6.7204% | 2,728 |
| Efficiency ratio | 84.4588% | 1,537 |
| Assets per employee ($millions) | 2.9772% | 6,088 |
| Cash dividends to net income (ytd only)* | 20.8044% | 3,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1645% | 5,457 |
| 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 | 55.9773% | 4,455 |
| Net loans and leases to deposits | 83.5475% | 1,922 |
| Net loans and leases to core deposits | 85.9689% | 2,470 |
| Total domestic deposits to total assets | 67.0005% | 6,953 |
| Equity capital to assets | 19.6311% | 253 |
| Core capital (leverage) ratio | 18.6532% | 264 |
| Tier 1 risk-based capital ratio | 40.4746% | 230 |
| Total risk-based capital ratio | 41.7278% | 225 |
| Memoranda: | ||
| Average total assets | $32,600,000 | 6,780 |
| Average earning assets | $30,577,250 | 6,734 |
| Average equity | $6,313,250 | 6,005 |
| Average total loans | $17,698,250 | 6,610 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7687% | 2,647 |
| Cost of funding earning assets | 0.4598% | 5,906 |
| Net interest margin | 4.3089% | 1,458 |
| Noninterest income to average assets | 0.3809% | 4,793 |
| Noninterest expense to average assets | 3.8156% | 1,194 |
| Loan and lease loss provision to assets | 0.0676% | 4,784 |
| Net operating income to assets | 0.5284% | 4,684 |
| Return on assets (ROA) | 0.5284% | 4,960 |
| Pretax return on assets | 0.5284% | 5,371 |
| Return on Equity (ROE) | 2.7412% | 5,791 |
| Retained earnings to average equity (ytd only) | 1.7531% | 5,319 |
| Net charge-offs to loans | 0.2986% | 2,831 |
| Credit loss provision to net charge-offs | 42.3077% | 4,206 |
| Earnings coverage of net charge-offs (x) | 3.7308% | 3,294 |
| Efficiency ratio | 86.4903% | 1,382 |
| Assets per employee ($millions) | 2.9631% | 6,130 |
| Cash dividends to net income (ytd only)* | 36.0465% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2269% | 5,227 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 52.3624% | 5,049 |
| Net loans and leases to deposits | 78.5918% | 2,583 |
| Net loans and leases to core deposits | 83.6618% | 2,738 |
| Total domestic deposits to total assets | 66.6258% | 7,033 |
| Equity capital to assets | 19.6079% | 249 |
| Core capital (leverage) ratio | 18.3503% | 277 |
| Tier 1 risk-based capital ratio | 40.8387% | 216 |
| Total risk-based capital ratio | 42.0620% | 215 |
| Memoranda: | ||
| Average total assets | $32,550,330 | 6,830 |
| Average earning assets | $30,448,330 | 6,786 |
| Average equity | $6,274,670 | 6,046 |
| Average total loans | $17,415,000 | 6,675 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5699% | 3,640 |
| Cost of funding earning assets | 0.4596% | 6,084 |
| Net interest margin | 4.1102% | 2,058 |
| Noninterest income to average assets | 0.3935% | 4,720 |
| Noninterest expense to average assets | 3.6522% | 1,461 |
| Loan and lease loss provision to assets | 0.0369% | 4,923 |
| Net operating income to assets | 0.5288% | 4,695 |
| Return on assets (ROA) | 0.5288% | 4,907 |
| Pretax return on assets | 0.5534% | 5,264 |
| Return on Equity (ROE) | 2.7668% | 5,799 |
| Retained earnings to average equity (ytd only) | 2.7668% | 4,872 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0870% | 1,477 |
| Assets per employee ($millions) | 2.9935% | 6,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3201% | 4,929 |
| Loan loss allowance to noncurrent loans | 851.8519% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.2338% | 6,298 |
| Noncurrent loans to loans | 0.1550% | 6,373 |
| Net loans and leases to total assets | 52.2123% | 4,988 |
| Net loans and leases to deposits | 77.0710% | 2,665 |
| Net loans and leases to core deposits | 79.2560% | 3,145 |
| Total domestic deposits to total assets | 67.7458% | 7,058 |
| Equity capital to assets | 18.9772% | 281 |
| Core capital (leverage) ratio | 18.4198% | 273 |
| Tier 1 risk-based capital ratio | 42.3895% | 193 |
| Total risk-based capital ratio | 43.6409% | 190 |
| Memoranda: | ||
| Average total assets | $32,528,500 | 6,876 |
| Average earning assets | $30,460,500 | 6,830 |
| Average equity | $6,216,500 | 6,093 |
| Average total loans | $17,483,000 | 6,730 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1121% | 2,407 |
| Cost of funding earning assets | 0.5754% | 6,209 |
| Net interest margin | 4.5368% | 1,053 |
| Noninterest income to average assets | 0.3230% | 5,232 |
| Noninterest expense to average assets | 3.7973% | 1,354 |
| Loan and lease loss provision to assets | 0.0848% | 5,549 |
| Net operating income to assets | 0.6557% | 3,717 |
| Return on assets (ROA) | 0.6557% | 3,908 |
| Pretax return on assets | 0.6851% | 4,385 |
| Return on Equity (ROE) | 3.3141% | 5,153 |
| Retained earnings to average equity (ytd only) | 2.2918% | 4,584 |
| Net charge-offs to loans | 0.1753% | 4,745 |
| Credit loss provision to net charge-offs | 86.6667% | 4,175 |
| Earnings coverage of net charge-offs (x) | 7.8667% | 2,244 |
| Efficiency ratio | 83.1429% | 1,867 |
| Assets per employee ($millions) | 2.9207% | 6,249 |
| Cash dividends to net income (ytd only)* | 30.8458% | 3,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2940% | 4,933 |
| Loan loss allowance to noncurrent loans | 1,135.0000% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.1556% | 6,555 |
| Noncurrent loans to loans | 0.1140% | 6,529 |
| Net loans and leases to total assets | 53.8969% | 5,052 |
| Net loans and leases to deposits | 84.7162% | 1,840 |
| Net loans and leases to core deposits | 87.3355% | 2,457 |
| Total domestic deposits to total assets | 63.6205% | 7,181 |
| Equity capital to assets | 19.2480% | 271 |
| Core capital (leverage) ratio | 18.8007% | 257 |
| Tier 1 risk-based capital ratio | 42.7116% | 185 |
| Total risk-based capital ratio | 43.9670% | 183 |
| Memoranda: | ||
| Average total assets | $30,653,600 | 6,950 |
| Average earning assets | $28,676,800 | 6,906 |
| Average equity | $6,065,000 | 6,139 |
| Average total loans | $17,113,600 | 6,799 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1477% | 2,400 |
| Cost of funding earning assets | 0.6028% | 6,276 |
| Net interest margin | 4.5448% | 1,054 |
| Noninterest income to average assets | 0.3214% | 5,298 |
| Noninterest expense to average assets | 3.7730% | 1,353 |
| Loan and lease loss provision to assets | 0.0572% | 5,726 |
| Net operating income to assets | 0.7132% | 3,541 |
| Return on assets (ROA) | 0.7132% | 3,716 |
| Pretax return on assets | 0.7396% | 4,347 |
| Return on Equity (ROE) | 3.5788% | 5,181 |
| Retained earnings to average equity (ytd only) | 2.8940% | 4,623 |
| Net charge-offs to loans | -0.0078% | 6,756 |
| Credit loss provision to net charge-offs | -1,300.0000% | 6,786 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5626% | 1,895 |
| Assets per employee ($millions) | 2.7877% | 6,510 |
| Cash dividends to net income (ytd only)* | 19.1351% | 2,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3752% | 4,662 |
| Loan loss allowance to noncurrent loans | 395.1613% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.2022% | 6,556 |
| Noncurrent loans to loans | 0.3480% | 6,152 |
| Net loans and leases to total assets | 57.2999% | 4,627 |
| Net loans and leases to deposits | 83.0270% | 2,169 |
| Net loans and leases to core deposits | 85.4995% | 2,847 |
| Total domestic deposits to total assets | 69.0135% | 7,093 |
| Equity capital to assets | 20.5837% | 222 |
| Core capital (leverage) ratio | 19.5285% | 239 |
| Tier 1 risk-based capital ratio | 42.8705% | 203 |
| Total risk-based capital ratio | 44.1249% | 198 |
| Memoranda: | ||
| Average total assets | $30,285,000 | 7,033 |
| Average earning assets | $28,309,750 | 6,986 |
| Average equity | $6,035,250 | 6,194 |
| Average total loans | $17,006,250 | 6,870 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2039% | 2,242 |
| Cost of funding earning assets | 0.6185% | 6,369 |
| Net interest margin | 4.5854% | 936 |
| Noninterest income to average assets | 0.3316% | 5,240 |
| Noninterest expense to average assets | 3.7668% | 1,406 |
| Loan and lease loss provision to assets | 0.0663% | 5,479 |
| Net operating income to assets | 0.7361% | 3,358 |
| Return on assets (ROA) | 0.7361% | 3,477 |
| Pretax return on assets | 0.7759% | 4,115 |
| Return on Equity (ROE) | 3.7355% | 5,048 |
| Retained earnings to average equity (ytd only) | 2.6922% | 4,578 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7266% | 2,141 |
| Assets per employee ($millions) | 2.7930% | 6,485 |
| Cash dividends to net income (ytd only)* | 27.9279% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3905% | 4,625 |
| Loan loss allowance to noncurrent loans | 24,100.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.0033% | 7,128 |
| Noncurrent loans to loans | 0.0058% | 6,999 |
| Net loans and leases to total assets | 55.6293% | 5,048 |
| Net loans and leases to deposits | 79.9542% | 2,809 |
| Net loans and leases to core deposits | 82.3068% | 3,457 |
| Total domestic deposits to total assets | 69.5765% | 7,135 |
| Equity capital to assets | 19.8418% | 269 |
| Core capital (leverage) ratio | 19.4215% | 248 |
| Tier 1 risk-based capital ratio | 42.0891% | 213 |
| Total risk-based capital ratio | 43.3457% | 212 |
| Memoranda: | ||
| Average total assets | $30,158,330 | 7,101 |
| Average earning assets | $28,132,670 | 7,055 |
| Average equity | $5,943,000 | 6,247 |
| Average total loans | $16,736,330 | 6,950 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1566% | 2,399 |
| Cost of funding earning assets | 0.6338% | 6,461 |
| Net interest margin | 4.5229% | 1,018 |
| Noninterest income to average assets | 0.3079% | 5,463 |
| Noninterest expense to average assets | 3.6685% | 1,605 |
| Loan and lease loss provision to assets | 0.0937% | 4,843 |
| Net operating income to assets | 0.6828% | 3,594 |
| Return on assets (ROA) | 0.6828% | 3,661 |
| Pretax return on assets | 0.7498% | 4,097 |
| Return on Equity (ROE) | 3.4774% | 5,150 |
| Retained earnings to average equity (ytd only) | 3.4774% | 4,095 |
| Net charge-offs to loans | 0.0243% | 4,746 |
| Credit loss provision to net charge-offs | 700.0000% | 543 |
| Earnings coverage of net charge-offs (x) | 63.0000% | 472 |
| Efficiency ratio | 81.3056% | 2,329 |
| Assets per employee ($millions) | 2.7361% | 6,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4132% | 4,597 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 54.9357% | 5,170 |
| Net loans and leases to deposits | 79.5171% | 2,803 |
| Net loans and leases to core deposits | 81.9164% | 3,467 |
| Total domestic deposits to total assets | 69.0866% | 7,225 |
| Equity capital to assets | 19.6033% | 277 |
| Core capital (leverage) ratio | 19.8552% | 239 |
| Tier 1 risk-based capital ratio | 40.9335% | 224 |
| Total risk-based capital ratio | 42.1894% | 217 |
| Memoranda: | ||
| Average total assets | $29,876,000 | 7,152 |
| Average earning assets | $27,770,000 | 7,110 |
| Average equity | $5,866,500 | 6,289 |
| Average total loans | $16,438,500 | 7,014 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3598% | 2,858 |
| Cost of funding earning assets | 0.7835% | 6,634 |
| Net interest margin | 4.5763% | 1,060 |
| Noninterest income to average assets | 0.2849% | 5,743 |
| Noninterest expense to average assets | 3.8589% | 1,377 |
| Loan and lease loss provision to assets | 0.0265% | 6,857 |
| Net operating income to assets | 0.6198% | 3,584 |
| Return on assets (ROA) | 0.6260% | 3,718 |
| Pretax return on assets | 0.6625% | 4,120 |
| Return on Equity (ROE) | 3.2222% | 4,853 |
| Retained earnings to average equity (ytd only) | 2.1652% | 4,376 |
| Net charge-offs to loans | -0.0449% | 7,438 |
| Credit loss provision to net charge-offs | -114.2857% | 7,034 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9745% | 1,801 |
| Assets per employee ($millions) | 2.6959% | 6,695 |
| Cash dividends to net income (ytd only)* | 32.8042% | 2,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4342% | 4,356 |
| Loan loss allowance to noncurrent loans | 11,550.0000% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 7,246 |
| Noncurrent loans to loans | 0.0124% | 7,127 |
| Net loans and leases to total assets | 53.5323% | 5,699 |
| Net loans and leases to deposits | 79.8421% | 3,206 |
| Net loans and leases to core deposits | 82.3520% | 3,854 |
| Total domestic deposits to total assets | 67.0477% | 7,359 |
| Equity capital to assets | 19.6695% | 277 |
| Core capital (leverage) ratio | 19.3665% | 270 |
| Tier 1 risk-based capital ratio | 41.3144% | 224 |
| Total risk-based capital ratio | 42.5648% | 219 |
| Memoranda: | ||
| Average total assets | $30,190,000 | 7,199 |
| Average earning assets | $28,079,200 | 7,161 |
| Average equity | $5,865,600 | 6,406 |
| Average total loans | $15,579,200 | 7,137 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3860% | 2,938 |
| Cost of funding earning assets | 0.7999% | 6,763 |
| Net interest margin | 4.5861% | 1,075 |
| Noninterest income to average assets | 0.2726% | 5,931 |
| Noninterest expense to average assets | 3.8649% | 1,252 |
| Loan and lease loss provision to assets | 0.0396% | 6,687 |
| Net operating income to assets | 0.6332% | 3,735 |
| Return on assets (ROA) | 0.6419% | 3,862 |
| Pretax return on assets | 0.6376% | 4,461 |
| Return on Equity (ROE) | 3.3141% | 5,092 |
| Retained earnings to average equity (ytd only) | 2.6104% | 4,589 |
| Net charge-offs to loans | -0.0432% | 7,451 |
| Credit loss provision to net charge-offs | -180.0000% | 6,941 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2570% | 1,708 |
| Assets per employee ($millions) | 2.7719% | 6,648 |
| Cash dividends to net income (ytd only)* | 21.2319% | 2,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4690% | 4,111 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 50.5953% | 6,263 |
| Net loans and leases to deposits | 75.3419% | 4,293 |
| Net loans and leases to core deposits | 77.6279% | 4,849 |
| Total domestic deposits to total assets | 67.1542% | 7,420 |
| Equity capital to assets | 20.0059% | 289 |
| Core capital (leverage) ratio | 18.9274% | 301 |
| Tier 1 risk-based capital ratio | 41.5170% | 223 |
| Total risk-based capital ratio | 42.7692% | 220 |
| Memoranda: | ||
| Average total assets | $30,323,750 | 7,281 |
| Average earning assets | $28,171,250 | 7,241 |
| Average equity | $5,873,750 | 6,493 |
| Average total loans | $15,447,500 | 7,238 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3750% | 3,080 |
| Cost of funding earning assets | 0.8340% | 6,806 |
| Net interest margin | 4.5409% | 1,120 |
| Noninterest income to average assets | 0.2247% | 6,311 |
| Noninterest expense to average assets | 3.9183% | 1,158 |
| Loan and lease loss provision to assets | 0.0396% | 6,564 |
| Net operating income to assets | 0.3568% | 4,941 |
| Return on assets (ROA) | 0.3568% | 5,102 |
| Pretax return on assets | 0.4757% | 4,982 |
| Return on Equity (ROE) | 1.8626% | 5,673 |
| Retained earnings to average equity (ytd only) | 0.7933% | 5,453 |
| Net charge-offs to loans | 0.0780% | 5,361 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 1,620 |
| Efficiency ratio | 88.3756% | 1,475 |
| Assets per employee ($millions) | 2.7790% | 6,616 |
| Cash dividends to net income (ytd only)* | 57.4074% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3880% | 4,481 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 50.4334% | 6,384 |
| Net loans and leases to deposits | 75.8487% | 4,365 |
| Net loans and leases to core deposits | 78.1557% | 4,930 |
| Total domestic deposits to total assets | 66.4922% | 7,508 |
| Equity capital to assets | 19.4445% | 316 |
| Core capital (leverage) ratio | 18.9785% | 293 |
| Tier 1 risk-based capital ratio | 40.3177% | 241 |
| Total risk-based capital ratio | 41.5743% | 236 |
| Memoranda: | ||
| Average total assets | $30,268,000 | 7,337 |
| Average earning assets | $28,056,000 | 7,290 |
| Average equity | $5,798,330 | 6,531 |
| Average total loans | $15,377,670 | 7,295 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4595% | 2,784 |
| Cost of funding earning assets | 0.8955% | 6,784 |
| Net interest margin | 4.5640% | 1,019 |
| Noninterest income to average assets | 0.1461% | 6,931 |
| Noninterest expense to average assets | 3.8117% | 1,312 |
| Loan and lease loss provision to assets | 0.0398% | 6,275 |
| Net operating income to assets | 0.3719% | 4,970 |
| Return on assets (ROA) | 0.3719% | 5,093 |
| Pretax return on assets | 0.4914% | 4,986 |
| Return on Equity (ROE) | 1.9562% | 5,781 |
| Retained earnings to average equity (ytd only) | 1.9562% | 4,959 |
| Net charge-offs to loans | 0.2361% | 3,522 |
| Credit loss provision to net charge-offs | 33.3333% | 4,762 |
| Earnings coverage of net charge-offs (x) | 4.4444% | 2,623 |
| Efficiency ratio | 87.7676% | 1,609 |
| Assets per employee ($millions) | 2.7920% | 6,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4109% | 4,363 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 48.0073% | 6,676 |
| Net loans and leases to deposits | 66.8905% | 5,722 |
| Net loans and leases to core deposits | 68.7558% | 6,027 |
| Total domestic deposits to total assets | 71.7700% | 7,283 |
| Equity capital to assets | 18.7256% | 357 |
| Core capital (leverage) ratio | 18.8919% | 313 |
| Tier 1 risk-based capital ratio | 41.3651% | 230 |
| Total risk-based capital ratio | 42.6173% | 226 |
| Memoranda: | ||
| Average total assets | $30,117,500 | 7,437 |
| Average earning assets | $27,695,000 | 7,402 |
| Average equity | $5,725,500 | 6,608 |
| Average total loans | $15,249,500 | 7,392 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6453% | 3,371 |
| Cost of funding earning assets | 1.0414% | 7,115 |
| Net interest margin | 4.6039% | 977 |
| Noninterest income to average assets | 0.2733% | 6,159 |
| Noninterest expense to average assets | 3.7902% | 1,717 |
| Loan and lease loss provision to assets | -0.0065% | 7,958 |
| Net operating income to assets | 0.4633% | 3,880 |
| Return on assets (ROA) | 0.2863% | 4,673 |
| Pretax return on assets | 0.4848% | 4,227 |
| Return on Equity (ROE) | 1.5310% | 5,074 |
| Retained earnings to average equity (ytd only) | 0.4176% | 4,675 |
| Net charge-offs to loans | 0.1581% | 5,695 |
| Credit loss provision to net charge-offs | -7.6923% | 7,350 |
| Earnings coverage of net charge-offs (x) | 8.9231% | 1,867 |
| Efficiency ratio | 83.3930% | 2,430 |
| Assets per employee ($millions) | 2.6839% | 6,884 |
| Cash dividends to net income (ytd only)* | 72.7273% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3960% | 4,257 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 51.9155% | 6,432 |
| Net loans and leases to deposits | 73.8081% | 5,073 |
| Net loans and leases to core deposits | 91.3518% | 4,966 |
| Total domestic deposits to total assets | 70.3384% | 7,392 |
| Equity capital to assets | 19.3070% | 345 |
| Core capital (leverage) ratio | 19.0826% | 333 |
| Tier 1 risk-based capital ratio | 40.8384% | 239 |
| Total risk-based capital ratio | 42.0916% | 234 |
| Memoranda: | ||
| Average total assets | $30,737,000 | 7,448 |
| Average earning assets | $28,519,400 | 7,412 |
| Average equity | $5,747,800 | 6,697 |
| Average total loans | $16,444,400 | 7,386 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6804% | 3,432 |
| Cost of funding earning assets | 1.0518% | 7,283 |
| Net interest margin | 4.6286% | 942 |
| Noninterest income to average assets | 0.3093% | 6,012 |
| Noninterest expense to average assets | 3.7241% | 1,764 |
| Loan and lease loss provision to assets | -0.0215% | 8,044 |
| Net operating income to assets | 0.4871% | 4,039 |
| Return on assets (ROA) | 0.2534% | 5,061 |
| Pretax return on assets | 0.5326% | 4,419 |
| Return on Equity (ROE) | 1.3657% | 5,382 |
| Retained earnings to average equity (ytd only) | 0.6250% | 4,935 |
| Net charge-offs to loans | 0.1360% | 5,342 |
| Credit loss provision to net charge-offs | -29.4118% | 7,182 |
| Earnings coverage of net charge-offs (x) | 11.9978% | 1,807 |
| Efficiency ratio | 80.9524% | 2,713 |
| Assets per employee ($millions) | 2.6882% | 6,881 |
| Cash dividends to net income (ytd only)* | 54.2461% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4222% | 3,823 |
| 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 | 52.2726% | 6,580 |
| Net loans and leases to deposits | 75.3963% | 5,139 |
| Net loans and leases to core deposits | 92.7903% | 5,154 |
| Total domestic deposits to total assets | 69.3304% | 7,467 |
| Equity capital to assets | 19.5773% | 368 |
| Core capital (leverage) ratio | 19.1605% | 368 |
| Tier 1 risk-based capital ratio | 40.4823% | 278 |
| Total risk-based capital ratio | 41.7380% | 273 |
| Memoranda: | ||
| Average total assets | $31,040,500 | 7,503 |
| Average earning assets | $28,776,750 | 7,470 |
| Average equity | $5,759,750 | 6,751 |
| Average total loans | $16,669,500 | 7,435 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7394% | 3,346 |
| Cost of funding earning assets | 1.0603% | 7,451 |
| Net interest margin | 4.6791% | 832 |
| Noninterest income to average assets | 0.2220% | 6,709 |
| Noninterest expense to average assets | 3.6663% | 1,905 |
| Loan and lease loss provision to assets | 0.0317% | 6,926 |
| Net operating income to assets | 0.3577% | 4,659 |
| Return on assets (ROA) | 0.0127% | 5,877 |
| Pretax return on assets | 0.3235% | 5,155 |
| Return on Equity (ROE) | 0.0696% | 5,899 |
| Retained earnings to average equity (ytd only) | -1.0435% | 5,498 |
| Net charge-offs to loans | 0.1059% | 5,104 |
| Credit loss provision to net charge-offs | 55.5556% | 5,669 |
| Earnings coverage of net charge-offs (x) | 15.6667% | 1,580 |
| Efficiency ratio | 80.3894% | 2,978 |
| Assets per employee ($millions) | 2.7534% | 6,730 |
| Cash dividends to net income (ytd only)* | 1,600.0000% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4593% | 3,418 |
| Loan loss allowance to noncurrent loans | 6,025.0000% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.3764% | 6,517 |
| Noncurrent loans to loans | 0.0242% | 7,482 |
| Net loans and leases to total assets | 53.7326% | 6,491 |
| Net loans and leases to deposits | 79.4474% | 4,629 |
| Net loans and leases to core deposits | 97.6479% | 4,732 |
| Total domestic deposits to total assets | 67.6330% | 7,644 |
| Equity capital to assets | 18.7044% | 479 |
| Core capital (leverage) ratio | 18.2438% | 481 |
| Tier 1 risk-based capital ratio | 38.1315% | 346 |
| Total risk-based capital ratio | 39.3808% | 339 |
| Memoranda: | ||
| Average total assets | $31,530,670 | 7,548 |
| Average earning assets | $29,236,330 | 7,519 |
| Average equity | $5,750,000 | 6,813 |
| Average total loans | $16,999,330 | 7,487 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7717% | 3,429 |
| Cost of funding earning assets | 1.0738% | 7,554 |
| Net interest margin | 4.6979% | 767 |
| Noninterest income to average assets | 0.2115% | 6,783 |
| Noninterest expense to average assets | 3.6327% | 1,787 |
| Loan and lease loss provision to assets | 0.0995% | 5,689 |
| Net operating income to assets | 0.6345% | 3,866 |
| Return on assets (ROA) | 0.6345% | 4,046 |
| Pretax return on assets | 0.8335% | 3,960 |
| Return on Equity (ROE) | 3.5218% | 5,160 |
| Retained earnings to average equity (ytd only) | 3.5218% | 3,934 |
| Net charge-offs to loans | 0.1856% | 3,524 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 9.3750% | 2,065 |
| Efficiency ratio | 79.5640% | 2,897 |
| Assets per employee ($millions) | 3.1850% | 5,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4354% | 3,317 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3454% | 6,481 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 52.8195% | 6,602 |
| Net loans and leases to deposits | 80.1515% | 4,587 |
| Net loans and leases to core deposits | 99.3386% | 4,605 |
| Total domestic deposits to total assets | 65.8995% | 7,737 |
| Equity capital to assets | 18.1664% | 589 |
| Core capital (leverage) ratio | 17.3691% | 611 |
| Tier 1 risk-based capital ratio | 36.6095% | 389 |
| Total risk-based capital ratio | 37.8636% | 384 |
| Memoranda: | ||
| Average total assets | $32,152,500 | 7,562 |
| Average earning assets | $29,800,500 | 7,530 |
| Average equity | $5,792,500 | 6,839 |
| Average total loans | $17,241,500 | 7,522 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1490% | 4,782 |
| Cost of funding earning assets | 1.7380% | 7,168 |
| Net interest margin | 4.4110% | 1,660 |
| Noninterest income to average assets | 0.2764% | 6,484 |
| Noninterest expense to average assets | 3.5497% | 2,269 |
| Loan and lease loss provision to assets | 0.1044% | 6,044 |
| Net operating income to assets | 0.5926% | 4,331 |
| Return on assets (ROA) | 0.5926% | 4,200 |
| Pretax return on assets | 0.7216% | 4,330 |
| Return on Equity (ROE) | 3.4183% | 5,077 |
| Retained earnings to average equity (ytd only) | 2.4265% | 3,690 |
| Net charge-offs to loans | 0.1625% | 4,573 |
| Credit loss provision to net charge-offs | 117.2414% | 4,592 |
| Earnings coverage of net charge-offs (x) | 9.2759% | 2,716 |
| Efficiency ratio | 81.1228% | 2,425 |
| Assets per employee ($millions) | 2.9505% | 6,173 |
| Cash dividends to net income (ytd only)* | 29.0155% | 4,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4068% | 3,157 |
| Loan loss allowance to noncurrent loans | 365.6716% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.5454% | 5,542 |
| Noncurrent loans to loans | 0.3847% | 6,188 |
| Net loans and leases to total assets | 52.9040% | 6,759 |
| Net loans and leases to deposits | 82.3422% | 4,671 |
| Net loans and leases to core deposits | 101.1726% | 4,704 |
| Total domestic deposits to total assets | 64.2490% | 7,775 |
| Equity capital to assets | 17.8678% | 663 |
| Core capital (leverage) ratio | 16.8230% | 720 |
| Tier 1 risk-based capital ratio | 35.5214% | 430 |
| Total risk-based capital ratio | 36.7751% | 422 |
| Memoranda: | ||
| Average total assets | $32,566,000 | 7,532 |
| Average earning assets | $30,265,200 | 7,500 |
| Average equity | $5,646,000 | 6,934 |
| Average total loans | $17,847,200 | 7,468 |