Home > Clarkson Bank > Performance and Condition Ratios
Clarkson Bank, 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 | 4.0905% | 3,824 |
| Cost of funding earning assets | 1.3525% | 2,351 |
| Net interest margin | 2.7380% | 3,763 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 1.4928% | 4,331 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9823% | 2,273 |
| Return on assets (ROA) | 0.9823% | 2,260 |
| Pretax return on assets | 1.2289% | 2,066 |
| Return on Equity (ROE) | 12.3000% | 1,892 |
| Retained earnings to average equity (ytd only) | 12.2985% | 605 |
| Net charge-offs to loans | -0.4417% | 4,593 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 54.8472% | 3,613 |
| Assets per employee ($millions) | 8.7980% | 1,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8795% | 129 |
| Loan loss allowance to noncurrent loans | 6,350.0000% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0199% | 3,604 |
| Noncurrent loans to loans | 0.0453% | 3,392 |
| Net loans and leases to total assets | 42.6000% | 3,947 |
| Net loans and leases to deposits | 52.2442% | 3,872 |
| Net loans and leases to core deposits | 58.2734% | 3,830 |
| Total domestic deposits to total assets | 81.5400% | 3,216 |
| Equity capital to assets | 9.0432% | 2,646 |
| Core capital (leverage) ratio | 11.1658% | 1,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $69,734,800 | 4,114 |
| Average earning assets | $66,471,600 | 4,076 |
| Average equity | $5,569,800 | 4,205 |
| Average total loans | $27,845,000 | 4,172 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0322% | 3,795 |
| Cost of funding earning assets | 1.2595% | 2,258 |
| Net interest margin | 2.7726% | 3,772 |
| Noninterest income to average assets | 0.1200% | 4,221 |
| Noninterest expense to average assets | 1.4718% | 4,331 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0406% | 2,245 |
| Return on assets (ROA) | 1.0406% | 2,235 |
| Pretax return on assets | 1.2859% | 2,084 |
| Return on Equity (ROE) | 13.4800% | 1,801 |
| Retained earnings to average equity (ytd only) | 13.4795% | 748 |
| Net charge-offs to loans | -0.6054% | 4,626 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 53.3704% | 3,642 |
| Assets per employee ($millions) | 8.5268% | 1,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2031% | 102 |
| Loan loss allowance to noncurrent loans | 6,350.0000% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.0205% | 3,621 |
| Noncurrent loans to loans | 0.0504% | 3,396 |
| Net loans and leases to total assets | 39.3800% | 4,081 |
| Net loans and leases to deposits | 46.6099% | 4,034 |
| Net loans and leases to core deposits | 51.6684% | 3,990 |
| Total domestic deposits to total assets | 84.5000% | 2,642 |
| Equity capital to assets | 7.8371% | 3,157 |
| Core capital (leverage) ratio | 11.0842% | 1,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $69,572,500 | 4,132 |
| Average earning assets | $66,265,500 | 4,096 |
| Average equity | $5,371,000 | 4,242 |
| Average total loans | $27,088,000 | 4,199 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0053% | 3,679 |
| Cost of funding earning assets | 1.1623% | 2,100 |
| Net interest margin | 2.8429% | 3,747 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 1.4395% | 4,381 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1082% | 2,103 |
| Return on assets (ROA) | 1.1082% | 2,091 |
| Pretax return on assets | 1.3938% | 1,830 |
| Return on Equity (ROE) | 14.4300% | 1,594 |
| Retained earnings to average equity (ytd only) | 14.4256% | 633 |
| Net charge-offs to loans | -0.9157% | 4,651 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 50.8065% | 3,863 |
| Assets per employee ($millions) | 8.7194% | 996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4766% | 91 |
| Loan loss allowance to noncurrent loans | 5,926.6667% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.0215% | 3,605 |
| Noncurrent loans to loans | 0.0587% | 3,276 |
| Net loans and leases to total assets | 35.3800% | 4,198 |
| Net loans and leases to deposits | 41.3468% | 4,178 |
| Net loans and leases to core deposits | 44.7494% | 4,153 |
| Total domestic deposits to total assets | 85.5800% | 2,368 |
| Equity capital to assets | 8.0353% | 3,188 |
| Core capital (leverage) ratio | 10.5784% | 2,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $70,025,333 | 4,147 |
| Average earning assets | $66,762,333 | 4,108 |
| Average equity | $5,379,333 | 4,260 |
| Average total loans | $26,866,000 | 4,216 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4564% | 4,317 |
| Cost of funding earning assets | 1.0543% | 1,872 |
| Net interest margin | 2.4021% | 4,383 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 1.4367% | 4,443 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8324% | 3,083 |
| Return on assets (ROA) | 0.8324% | 3,040 |
| Pretax return on assets | 0.9806% | 3,050 |
| Return on Equity (ROE) | 11.0900% | 2,468 |
| Retained earnings to average equity (ytd only) | 11.0890% | 1,447 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.4340% | 3,033 |
| Assets per employee ($millions) | 8.8686% | 988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8732% | 148 |
| Loan loss allowance to noncurrent loans | 58.3397% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 1.8506% | 142 |
| Noncurrent loans to loans | 4.9250% | 58 |
| Net loans and leases to total assets | 36.5000% | 4,172 |
| Net loans and leases to deposits | 42.4387% | 4,149 |
| Net loans and leases to core deposits | 44.8816% | 4,145 |
| Total domestic deposits to total assets | 86.0000% | 2,590 |
| Equity capital to assets | 7.7676% | 3,399 |
| Core capital (leverage) ratio | 10.3060% | 2,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $70,160,500 | 4,199 |
| Average earning assets | $66,775,500 | 4,163 |
| Average equity | $5,266,500 | 4,325 |
| Average total loans | $27,513,500 | 4,258 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0164% | 4,111 |
| Cost of funding earning assets | 0.6978% | 584 |
| Net interest margin | 2.3186% | 4,415 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 1.4368% | 4,483 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7280% | 3,539 |
| Return on assets (ROA) | 0.6997% | 3,569 |
| Pretax return on assets | 0.8537% | 3,481 |
| Return on Equity (ROE) | 9.4500% | 2,982 |
| Retained earnings to average equity (ytd only) | -4.5693% | 4,564 |
| Net charge-offs to loans | 0.4623% | 165 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 5.0574% | 2,391 |
| Efficiency ratio | 61.7957% | 2,794 |
| Assets per employee ($millions) | 8.6715% | 1,026 |
| Cash dividends to net income (ytd only)* | 148.3539% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7003% | 173 |
| Loan loss allowance to noncurrent loans | 54.4808% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 2.0268% | 118 |
| Noncurrent loans to loans | 4.9565% | 54 |
| Net loans and leases to total assets | 39.7900% | 4,074 |
| Net loans and leases to deposits | 47.8835% | 3,978 |
| Net loans and leases to core deposits | 50.8137% | 3,947 |
| Total domestic deposits to total assets | 83.0900% | 3,399 |
| Equity capital to assets | 7.2392% | 3,528 |
| Core capital (leverage) ratio | 10.1551% | 2,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $69,459,000 | 4,236 |
| Average earning assets | $66,204,400 | 4,195 |
| Average equity | $5,143,000 | 4,412 |
| Average total loans | $26,391,000 | 4,292 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9969% | 3,893 |
| Cost of funding earning assets | 0.6094% | 414 |
| Net interest margin | 2.3875% | 4,340 |
| Noninterest income to average assets | 0.1200% | 4,379 |
| Noninterest expense to average assets | 1.4891% | 4,430 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7664% | 3,368 |
| Return on assets (ROA) | 0.7273% | 3,438 |
| Pretax return on assets | 0.8597% | 3,450 |
| Return on Equity (ROE) | 9.7700% | 2,798 |
| Retained earnings to average equity (ytd only) | -8.8144% | 4,661 |
| Net charge-offs to loans | -0.0051% | 3,491 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.1795% | 2,806 |
| Assets per employee ($millions) | 8.4719% | 1,082 |
| Cash dividends to net income (ytd only)* | 190.2375% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5363% | 81 |
| Loan loss allowance to noncurrent loans | 3,704.1667% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.0354% | 3,559 |
| Noncurrent loans to loans | 0.0955% | 3,196 |
| Net loans and leases to total assets | 35.7800% | 4,238 |
| Net loans and leases to deposits | 43.7031% | 4,125 |
| Net loans and leases to core deposits | 46.4818% | 4,081 |
| Total domestic deposits to total assets | 81.8700% | 3,855 |
| Equity capital to assets | 6.4139% | 3,786 |
| Core capital (leverage) ratio | 10.0044% | 2,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $69,480,750 | 4,267 |
| Average earning assets | $66,289,250 | 4,224 |
| Average equity | $5,173,250 | 4,450 |
| Average total loans | $25,897,000 | 4,341 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8385% | 3,921 |
| Cost of funding earning assets | 0.5790% | 324 |
| Net interest margin | 2.2595% | 4,373 |
| Noninterest income to average assets | 0.1228% | 4,383 |
| Noninterest expense to average assets | 1.5503% | 4,357 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6481% | 3,482 |
| Return on assets (ROA) | 0.6481% | 3,433 |
| Pretax return on assets | 0.7338% | 3,494 |
| Return on Equity (ROE) | 8.3323% | 2,920 |
| Retained earnings to average equity (ytd only) | -18.1329% | 4,720 |
| Net charge-offs to loans | -0.0076% | 3,485 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8750% | 2,260 |
| Assets per employee ($millions) | 9.1230% | 849 |
| Cash dividends to net income (ytd only)* | 317.6211% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7687% | 78 |
| Loan loss allowance to noncurrent loans | 4,678.9474% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.0260% | 3,727 |
| Noncurrent loans to loans | 0.0805% | 3,378 |
| Net loans and leases to total assets | 31.1027% | 4,422 |
| Net loans and leases to deposits | 37.5710% | 4,352 |
| Net loans and leases to core deposits | 39.7486% | 4,329 |
| Total domestic deposits to total assets | 82.7839% | 3,902 |
| Equity capital to assets | 7.0098% | 3,764 |
| Core capital (leverage) ratio | 10.0291% | 2,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,049,333 | 4,308 |
| Average earning assets | $67,006,667 | 4,274 |
| Average equity | $5,448,667 | 4,475 |
| Average total loans | $26,149,667 | 4,390 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8073% | 3,734 |
| Cost of funding earning assets | 0.5859% | 286 |
| Net interest margin | 2.2214% | 4,322 |
| Noninterest income to average assets | 0.1283% | 4,367 |
| Noninterest expense to average assets | 1.7731% | 4,007 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4433% | 3,865 |
| Return on assets (ROA) | 0.4433% | 3,828 |
| Pretax return on assets | 0.4783% | 3,906 |
| Return on Equity (ROE) | 5.4141% | 3,507 |
| Retained earnings to average equity (ytd only) | -45.9484% | 4,774 |
| Net charge-offs to loans | -0.0146% | 3,749 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7565% | 1,247 |
| Assets per employee ($millions) | 8.6209% | 1,051 |
| Cash dividends to net income (ytd only)* | 948.6842% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4582% | 109 |
| Loan loss allowance to noncurrent loans | 3,556.0000% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.0362% | 3,676 |
| Noncurrent loans to loans | 0.0972% | 3,356 |
| Net loans and leases to total assets | 35.9853% | 4,209 |
| Net loans and leases to deposits | 41.2595% | 4,191 |
| Net loans and leases to core deposits | 44.1240% | 4,157 |
| Total domestic deposits to total assets | 87.2171% | 2,848 |
| Equity capital to assets | 6.4321% | 4,454 |
| Core capital (leverage) ratio | 8.9783% | 3,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $68,582,000 | 4,343 |
| Average earning assets | $65,543,000 | 4,311 |
| Average equity | $5,615,000 | 4,507 |
| Average total loans | $27,430,000 | 4,380 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0285% | 3,818 |
| Cost of funding earning assets | 0.6339% | 460 |
| Net interest margin | 2.3945% | 4,327 |
| Noninterest income to average assets | 0.7198% | 1,691 |
| Noninterest expense to average assets | 1.5582% | 4,474 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.4362% | 1,164 |
| Return on assets (ROA) | 1.4841% | 1,103 |
| Pretax return on assets | 1.5211% | 1,649 |
| Return on Equity (ROE) | 12.1735% | 1,753 |
| Retained earnings to average equity (ytd only) | -16.9724% | 4,804 |
| Net charge-offs to loans | -0.0136% | 3,839 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4174% | 4,168 |
| Assets per employee ($millions) | 7.5774% | 1,568 |
| Cash dividends to net income (ytd only)* | 239.4212% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0494% | 141 |
| Loan loss allowance to noncurrent loans | 3,419.2308% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.0381% | 3,746 |
| Noncurrent loans to loans | 0.0892% | 3,488 |
| Net loans and leases to total assets | 41.4446% | 4,005 |
| Net loans and leases to deposits | 49.9620% | 3,885 |
| Net loans and leases to core deposits | 53.6543% | 3,782 |
| Total domestic deposits to total assets | 82.9523% | 3,819 |
| Equity capital to assets | 9.9623% | 2,687 |
| Core capital (leverage) ratio | 10.0984% | 2,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,515,200 | 4,363 |
| Average earning assets | $65,148,200 | 4,323 |
| Average equity | $8,231,000 | 4,313 |
| Average total loans | $29,473,400 | 4,384 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0320% | 3,943 |
| Cost of funding earning assets | 0.6391% | 520 |
| Net interest margin | 2.3929% | 4,403 |
| Noninterest income to average assets | 0.9246% | 1,203 |
| Noninterest expense to average assets | 1.5324% | 4,555 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6802% | 865 |
| Return on assets (ROA) | 1.7442% | 782 |
| Pretax return on assets | 1.7779% | 1,214 |
| Return on Equity (ROE) | 13.6741% | 1,487 |
| Retained earnings to average equity (ytd only) | 4.3769% | 3,452 |
| Net charge-offs to loans | -0.0180% | 3,929 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2239% | 4,426 |
| Assets per employee ($millions) | 7.6032% | 1,507 |
| Cash dividends to net income (ytd only)* | 67.9909% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2354% | 123 |
| Loan loss allowance to noncurrent loans | 3,065.5172% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.0424% | 3,873 |
| Noncurrent loans to loans | 0.1055% | 3,566 |
| Net loans and leases to total assets | 38.8549% | 4,261 |
| Net loans and leases to deposits | 48.4325% | 4,091 |
| Net loans and leases to core deposits | 52.1170% | 4,030 |
| Total domestic deposits to total assets | 80.2248% | 4,197 |
| Equity capital to assets | 12.6291% | 1,119 |
| Core capital (leverage) ratio | 12.4285% | 1,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,344,750 | 4,422 |
| Average earning assets | $65,302,000 | 4,380 |
| Average equity | $8,590,250 | 4,340 |
| Average total loans | $29,553,500 | 4,444 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0759% | 3,917 |
| Cost of funding earning assets | 0.6521% | 565 |
| Net interest margin | 2.4238% | 4,400 |
| Noninterest income to average assets | 1.3376% | 661 |
| Noninterest expense to average assets | 1.5556% | 4,566 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.1024% | 404 |
| Return on assets (ROA) | 2.1199% | 411 |
| Pretax return on assets | 2.1528% | 627 |
| Return on Equity (ROE) | 16.5636% | 847 |
| Retained earnings to average equity (ytd only) | 7.8386% | 2,135 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1521% | 4,693 |
| Assets per employee ($millions) | 7.7202% | 1,350 |
| Cash dividends to net income (ytd only)* | 52.6761% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1367% | 130 |
| Loan loss allowance to noncurrent loans | 2,212.5000% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.0576% | 3,848 |
| Noncurrent loans to loans | 0.1418% | 3,488 |
| Net loans and leases to total assets | 39.3325% | 4,315 |
| Net loans and leases to deposits | 48.4763% | 4,184 |
| Net loans and leases to core deposits | 52.0483% | 4,131 |
| Total domestic deposits to total assets | 81.1376% | 4,075 |
| Equity capital to assets | 12.4781% | 1,140 |
| Core capital (leverage) ratio | 12.3060% | 982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,983,333 | 4,452 |
| Average earning assets | $65,022,667 | 4,407 |
| Average equity | $8,573,000 | 4,365 |
| Average total loans | $30,245,667 | 4,462 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1321% | 3,823 |
| Cost of funding earning assets | 0.6779% | 595 |
| Net interest margin | 2.4542% | 4,363 |
| Noninterest income to average assets | 1.6552% | 511 |
| Noninterest expense to average assets | 1.6491% | 4,464 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.3489% | 344 |
| Return on assets (ROA) | 2.3489% | 365 |
| Pretax return on assets | 2.3854% | 531 |
| Return on Equity (ROE) | 18.1125% | 716 |
| Retained earnings to average equity (ytd only) | 13.2324% | 870 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.8748% | 4,720 |
| Assets per employee ($millions) | 6.8260% | 1,911 |
| Cash dividends to net income (ytd only)* | 26.9430% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7916% | 185 |
| Loan loss allowance to noncurrent loans | 1,339.3939% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.0967% | 3,704 |
| Noncurrent loans to loans | 0.2084% | 3,358 |
| Net loans and leases to total assets | 45.0952% | 4,033 |
| Net loans and leases to deposits | 55.6667% | 3,820 |
| Net loans and leases to core deposits | 59.8418% | 3,712 |
| Total domestic deposits to total assets | 81.0094% | 4,063 |
| Equity capital to assets | 12.5359% | 1,067 |
| Core capital (leverage) ratio | 12.8928% | 864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,734,000 | 4,483 |
| Average earning assets | $63,726,500 | 4,437 |
| Average equity | $8,524,500 | 4,385 |
| Average total loans | $31,261,500 | 4,468 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8945% | 3,041 |
| Cost of funding earning assets | 0.8409% | 1,052 |
| Net interest margin | 3.0536% | 3,743 |
| Noninterest income to average assets | 0.2302% | 4,122 |
| Noninterest expense to average assets | 1.7086% | 4,611 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.4217% | 974 |
| Return on assets (ROA) | 1.4217% | 1,056 |
| Pretax return on assets | 1.4589% | 1,476 |
| Return on Equity (ROE) | 10.6226% | 1,766 |
| Retained earnings to average equity (ytd only) | 3.0887% | 3,305 |
| Net charge-offs to loans | 0.0384% | 2,284 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 69.2308% | 982 |
| Efficiency ratio | 53.9406% | 4,219 |
| Assets per employee ($millions) | 7.0231% | 1,570 |
| Cash dividends to net income (ytd only)* | 70.9236% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8648% | 165 |
| Loan loss allowance to noncurrent loans | 1,133.3333% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.1234% | 3,666 |
| Noncurrent loans to loans | 0.2528% | 3,290 |
| Net loans and leases to total assets | 47.4196% | 4,013 |
| Net loans and leases to deposits | 60.4331% | 3,723 |
| Net loans and leases to core deposits | 65.5105% | 3,581 |
| Total domestic deposits to total assets | 78.4663% | 4,267 |
| Equity capital to assets | 13.4350% | 952 |
| Core capital (leverage) ratio | 12.8894% | 925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $61,688,800 | 4,491 |
| Average earning assets | $59,340,200 | 4,447 |
| Average equity | $8,256,000 | 4,395 |
| Average total loans | $33,894,400 | 4,436 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0624% | 2,785 |
| Cost of funding earning assets | 0.8627% | 1,198 |
| Net interest margin | 3.1996% | 3,497 |
| Noninterest income to average assets | 0.2740% | 3,830 |
| Noninterest expense to average assets | 1.7267% | 4,592 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.5854% | 755 |
| Return on assets (ROA) | 1.5854% | 827 |
| Pretax return on assets | 1.6202% | 1,130 |
| Return on Equity (ROE) | 11.8577% | 1,414 |
| Retained earnings to average equity (ytd only) | 3.8062% | 3,136 |
| Net charge-offs to loans | 0.0500% | 1,897 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 57.3077% | 1,120 |
| Efficiency ratio | 51.5919% | 4,374 |
| Assets per employee ($millions) | 7.0538% | 1,464 |
| Cash dividends to net income (ytd only)* | 67.9012% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7699% | 172 |
| Loan loss allowance to noncurrent loans | 1,382.8125% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.1008% | 3,929 |
| Noncurrent loans to loans | 0.2003% | 3,587 |
| Net loans and leases to total assets | 48.9352% | 4,161 |
| Net loans and leases to deposits | 63.0065% | 3,859 |
| Net loans and leases to core deposits | 68.3100% | 3,741 |
| Total domestic deposits to total assets | 77.6668% | 4,247 |
| Equity capital to assets | 13.2663% | 1,077 |
| Core capital (leverage) ratio | 13.0148% | 946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $61,309,000 | 4,513 |
| Average earning assets | $58,880,500 | 4,469 |
| Average equity | $8,197,000 | 4,418 |
| Average total loans | $34,653,750 | 4,445 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2047% | 2,742 |
| Cost of funding earning assets | 0.8671% | 1,507 |
| Net interest margin | 3.3376% | 3,281 |
| Noninterest income to average assets | 0.3499% | 3,383 |
| Noninterest expense to average assets | 1.7166% | 4,666 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.7992% | 502 |
| Return on assets (ROA) | 1.7992% | 552 |
| Pretax return on assets | 1.8355% | 762 |
| Return on Equity (ROE) | 13.4203% | 997 |
| Retained earnings to average equity (ytd only) | 5.9099% | 2,120 |
| Net charge-offs to loans | 0.0731% | 1,517 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 42.7692% | 1,200 |
| Efficiency ratio | 48.3271% | 4,604 |
| Assets per employee ($millions) | 6.3477% | 1,907 |
| Cash dividends to net income (ytd only)* | 55.9633% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4815% | 231 |
| Loan loss allowance to noncurrent loans | 610.3448% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.2284% | 3,411 |
| Noncurrent loans to loans | 0.4066% | 2,947 |
| Net loans and leases to total assets | 54.7899% | 3,805 |
| Net loans and leases to deposits | 70.4856% | 3,382 |
| Net loans and leases to core deposits | 76.3887% | 3,254 |
| Total domestic deposits to total assets | 77.7321% | 4,223 |
| Equity capital to assets | 13.2379% | 1,066 |
| Core capital (leverage) ratio | 13.5296% | 866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $60,584,000 | 4,532 |
| Average earning assets | $58,125,000 | 4,490 |
| Average equity | $8,122,000 | 4,441 |
| Average total loans | $35,554,667 | 4,441 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4764% | 2,374 |
| Cost of funding earning assets | 0.8939% | 1,901 |
| Net interest margin | 3.5825% | 2,725 |
| Noninterest income to average assets | 0.1691% | 4,521 |
| Noninterest expense to average assets | 1.7451% | 4,729 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.7992% | 417 |
| Return on assets (ROA) | 1.7992% | 461 |
| Pretax return on assets | 1.8398% | 644 |
| Return on Equity (ROE) | 13.3308% | 821 |
| Retained earnings to average equity (ytd only) | 7.3169% | 1,439 |
| Net charge-offs to loans | 0.0113% | 2,181 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 272.0000% | 262 |
| Efficiency ratio | 48.6792% | 4,727 |
| Assets per employee ($millions) | 6.5660% | 1,311 |
| Cash dividends to net income (ytd only)* | 45.1128% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5357% | 231 |
| Loan loss allowance to noncurrent loans | 601.3423% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.2521% | 3,443 |
| Noncurrent loans to loans | 0.4217% | 2,981 |
| Net loans and leases to total assets | 58.2800% | 3,649 |
| Net loans and leases to deposits | 74.1570% | 3,255 |
| Net loans and leases to core deposits | 80.7617% | 3,131 |
| Total domestic deposits to total assets | 78.5900% | 4,126 |
| Equity capital to assets | 13.4599% | 1,237 |
| Core capital (leverage) ratio | 13.8992% | 933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,137,500 | 4,570 |
| Average earning assets | $56,385,000 | 4,537 |
| Average equity | $7,981,500 | 4,483 |
| Average total loans | $35,500,000 | 4,464 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5692% | 2,714 |
| Cost of funding earning assets | 0.8863% | 2,253 |
| Net interest margin | 3.6829% | 2,859 |
| Noninterest income to average assets | 0.1760% | 4,608 |
| Noninterest expense to average assets | 1.9499% | 4,607 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.7235% | 629 |
| Return on assets (ROA) | 1.7511% | 627 |
| Pretax return on assets | 1.7863% | 973 |
| Return on Equity (ROE) | 12.6955% | 1,275 |
| Retained earnings to average equity (ytd only) | 3.6237% | 3,186 |
| Net charge-offs to loans | -0.3781% | 5,103 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5866% | 4,562 |
| Assets per employee ($millions) | 5.9181% | 1,689 |
| Cash dividends to net income (ytd only)* | 71.4573% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5151% | 215 |
| Loan loss allowance to noncurrent loans | 474.6032% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.3194% | 3,140 |
| Noncurrent loans to loans | 0.5299% | 2,591 |
| Net loans and leases to total assets | 58.7469% | 3,694 |
| Net loans and leases to deposits | 78.8636% | 2,921 |
| Net loans and leases to core deposits | 86.2683% | 2,770 |
| Total domestic deposits to total assets | 74.4918% | 4,738 |
| Equity capital to assets | 13.5331% | 1,263 |
| Core capital (leverage) ratio | 13.9170% | 948 |
| Tier 1 risk-based capital ratio | 17.8542% | 1,797 |
| Total risk-based capital ratio | 19.1113% | 1,749 |
| Memoranda: | ||
| Average total assets | $56,822,000 | 4,634 |
| Average earning assets | $54,494,800 | 4,602 |
| Average equity | $7,837,400 | 4,528 |
| Average total loans | $34,113,800 | 4,553 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6129% | 2,683 |
| Cost of funding earning assets | 0.8738% | 2,351 |
| Net interest margin | 3.7390% | 2,794 |
| Noninterest income to average assets | 0.1873% | 4,598 |
| Noninterest expense to average assets | 1.8494% | 4,762 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.9002% | 492 |
| Return on assets (ROA) | 1.9490% | 455 |
| Pretax return on assets | 1.9893% | 704 |
| Return on Equity (ROE) | 14.0608% | 972 |
| Retained earnings to average equity (ytd only) | 5.1146% | 2,843 |
| Net charge-offs to loans | -0.5100% | 5,190 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8110% | 4,806 |
| Assets per employee ($millions) | 6.3746% | 1,348 |
| Cash dividends to net income (ytd only)* | 63.6258% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6463% | 188 |
| Loan loss allowance to noncurrent loans | 457.6531% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.3416% | 3,156 |
| Noncurrent loans to loans | 0.5782% | 2,560 |
| Net loans and leases to total assets | 57.5186% | 3,919 |
| Net loans and leases to deposits | 74.3975% | 3,442 |
| Net loans and leases to core deposits | 81.3084% | 3,291 |
| Total domestic deposits to total assets | 77.3126% | 4,474 |
| Equity capital to assets | 13.9809% | 1,165 |
| Core capital (leverage) ratio | 14.1103% | 958 |
| Tier 1 risk-based capital ratio | 18.7220% | 1,632 |
| Total risk-based capital ratio | 19.9818% | 1,597 |
| Memoranda: | ||
| Average total assets | $56,232,250 | 4,715 |
| Average earning assets | $54,165,750 | 4,677 |
| Average equity | $7,794,500 | 4,585 |
| Average total loans | $33,726,250 | 4,624 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6541% | 2,505 |
| Cost of funding earning assets | 0.8580% | 2,363 |
| Net interest margin | 3.7961% | 2,594 |
| Noninterest income to average assets | 0.1826% | 4,654 |
| Noninterest expense to average assets | 1.9014% | 4,745 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.9029% | 477 |
| Return on assets (ROA) | 1.9766% | 424 |
| Pretax return on assets | 2.0160% | 659 |
| Return on Equity (ROE) | 14.3024% | 917 |
| Retained earnings to average equity (ytd only) | 6.4516% | 2,077 |
| Net charge-offs to loans | -0.7663% | 5,245 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4874% | 4,810 |
| Assets per employee ($millions) | 5.5863% | 1,886 |
| Cash dividends to net income (ytd only)* | 54.8913% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6669% | 181 |
| Loan loss allowance to noncurrent loans | 145.6169% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 1.1027% | 1,232 |
| Noncurrent loans to loans | 1.8314% | 817 |
| Net loans and leases to total assets | 58.6041% | 3,856 |
| Net loans and leases to deposits | 73.5801% | 3,554 |
| Net loans and leases to core deposits | 81.1733% | 3,327 |
| Total domestic deposits to total assets | 79.6466% | 4,106 |
| Equity capital to assets | 14.2366% | 1,035 |
| Core capital (leverage) ratio | 13.8478% | 1,010 |
| Tier 1 risk-based capital ratio | 18.2527% | 1,739 |
| Total risk-based capital ratio | 19.5116% | 1,695 |
| Memoranda: | ||
| Average total assets | $55,852,670 | 4,757 |
| Average earning assets | $53,845,330 | 4,712 |
| Average equity | $7,719,000 | 4,620 |
| Average total loans | $33,669,670 | 4,660 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3210% | 3,493 |
| Cost of funding earning assets | 0.8135% | 2,459 |
| Net interest margin | 3.5076% | 3,573 |
| Noninterest income to average assets | 0.1647% | 4,751 |
| Noninterest expense to average assets | 1.8837% | 4,821 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6131% | 870 |
| Return on assets (ROA) | 1.6903% | 771 |
| Pretax return on assets | 1.7261% | 1,153 |
| Return on Equity (ROE) | 12.4178% | 1,405 |
| Retained earnings to average equity (ytd only) | 5.1565% | 2,834 |
| Net charge-offs to loans | -0.0356% | 4,711 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3469% | 4,594 |
| Assets per employee ($millions) | 5.5794% | 1,903 |
| Cash dividends to net income (ytd only)* | 58.4746% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2518% | 331 |
| Loan loss allowance to noncurrent loans | 157.9918% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.8926% | 1,581 |
| Noncurrent loans to loans | 1.4252% | 1,137 |
| Net loans and leases to total assets | 59.9867% | 3,712 |
| Net loans and leases to deposits | 74.8932% | 3,368 |
| Net loans and leases to core deposits | 83.1094% | 3,100 |
| Total domestic deposits to total assets | 80.0964% | 4,161 |
| Equity capital to assets | 13.8079% | 1,106 |
| Core capital (leverage) ratio | 14.2497% | 880 |
| Tier 1 risk-based capital ratio | 18.5809% | 1,637 |
| Total risk-based capital ratio | 19.8372% | 1,596 |
| Memoranda: | ||
| Average total assets | $55,847,500 | 4,809 |
| Average earning assets | $53,598,500 | 4,771 |
| Average equity | $7,602,000 | 4,669 |
| Average total loans | $33,687,000 | 4,708 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0682% | 3,845 |
| Cost of funding earning assets | 0.7077% | 2,044 |
| Net interest margin | 3.3605% | 4,106 |
| Noninterest income to average assets | 0.2085% | 4,668 |
| Noninterest expense to average assets | 1.8887% | 4,909 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.5060% | 1,102 |
| Return on assets (ROA) | 1.5078% | 1,083 |
| Pretax return on assets | 1.5473% | 1,631 |
| Return on Equity (ROE) | 11.4508% | 1,918 |
| Retained earnings to average equity (ytd only) | 3.6031% | 3,603 |
| Net charge-offs to loans | 0.0371% | 2,659 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 71.6667% | 923 |
| Efficiency ratio | 54.9974% | 4,517 |
| Assets per employee ($millions) | 5.5901% | 1,875 |
| Cash dividends to net income (ytd only)* | 68.5340% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3179% | 279 |
| Loan loss allowance to noncurrent loans | 182.4228% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.7531% | 1,849 |
| Noncurrent loans to loans | 1.2706% | 1,255 |
| Net loans and leases to total assets | 57.8988% | 3,976 |
| Net loans and leases to deposits | 72.2988% | 3,646 |
| Net loans and leases to core deposits | 80.6991% | 3,379 |
| Total domestic deposits to total assets | 80.0826% | 4,087 |
| Equity capital to assets | 13.4166% | 1,174 |
| Core capital (leverage) ratio | 14.3090% | 840 |
| Tier 1 risk-based capital ratio | 18.2440% | 1,680 |
| Total risk-based capital ratio | 19.5003% | 1,631 |
| Memoranda: | ||
| Average total assets | $55,645,600 | 4,841 |
| Average earning assets | $53,414,400 | 4,796 |
| Average equity | $7,327,000 | 4,702 |
| Average total loans | $32,325,400 | 4,757 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9714% | 4,017 |
| Cost of funding earning assets | 0.7005% | 1,844 |
| Net interest margin | 3.2708% | 4,356 |
| Noninterest income to average assets | 0.2567% | 4,438 |
| Noninterest expense to average assets | 1.8279% | 5,004 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.5377% | 1,100 |
| Return on assets (ROA) | 1.5400% | 1,091 |
| Pretax return on assets | 1.5784% | 1,642 |
| Return on Equity (ROE) | 11.7519% | 1,883 |
| Retained earnings to average equity (ytd only) | 3.8807% | 3,836 |
| Net charge-offs to loans | 0.0498% | 2,117 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 54.7488% | 1,118 |
| Efficiency ratio | 53.6998% | 4,637 |
| Assets per employee ($millions) | 5.4428% | 1,970 |
| Cash dividends to net income (ytd only)* | 66.9782% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4821% | 251 |
| Loan loss allowance to noncurrent loans | 189.1626% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 0.7459% | 1,990 |
| Noncurrent loans to loans | 1.3122% | 1,274 |
| Net loans and leases to total assets | 55.4365% | 4,263 |
| Net loans and leases to deposits | 66.0559% | 4,194 |
| Net loans and leases to core deposits | 73.5335% | 3,978 |
| Total domestic deposits to total assets | 83.9237% | 2,973 |
| Equity capital to assets | 13.4398% | 1,160 |
| Core capital (leverage) ratio | 13.8798% | 970 |
| Tier 1 risk-based capital ratio | 19.1624% | 1,497 |
| Total risk-based capital ratio | 20.4183% | 1,465 |
| Memoranda: | ||
| Average total assets | $55,581,750 | 4,896 |
| Average earning assets | $53,481,250 | 4,848 |
| Average equity | $7,283,750 | 4,756 |
| Average total loans | $32,123,250 | 4,821 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9787% | 3,847 |
| Cost of funding earning assets | 0.6866% | 1,706 |
| Net interest margin | 3.2921% | 4,271 |
| Noninterest income to average assets | 0.2323% | 4,625 |
| Noninterest expense to average assets | 1.8261% | 5,067 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5367% | 1,059 |
| Return on assets (ROA) | 1.5402% | 1,059 |
| Pretax return on assets | 1.5795% | 1,571 |
| Return on Equity (ROE) | 11.8515% | 1,779 |
| Retained earnings to average equity (ytd only) | 3.7397% | 3,729 |
| Net charge-offs to loans | 0.0738% | 1,592 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 36.7500% | 1,357 |
| Efficiency ratio | 53.6765% | 4,723 |
| Assets per employee ($millions) | 5.9923% | 1,467 |
| Cash dividends to net income (ytd only)* | 68.4455% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4788% | 251 |
| Loan loss allowance to noncurrent loans | 80.3347% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 1.7726% | 667 |
| Noncurrent loans to loans | 3.0856% | 356 |
| Net loans and leases to total assets | 56.0253% | 4,165 |
| Net loans and leases to deposits | 69.1355% | 3,939 |
| Net loans and leases to core deposits | 77.3316% | 3,636 |
| Total domestic deposits to total assets | 81.0369% | 3,988 |
| Equity capital to assets | 13.5766% | 1,073 |
| Core capital (leverage) ratio | 13.7818% | 967 |
| Tier 1 risk-based capital ratio | 18.6339% | 1,642 |
| Total risk-based capital ratio | 19.8894% | 1,602 |
| Memoranda: | ||
| Average total assets | $55,966,330 | 4,940 |
| Average earning assets | $53,886,670 | 4,895 |
| Average equity | $7,273,330 | 4,804 |
| Average total loans | $32,517,330 | 4,853 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0124% | 3,561 |
| Cost of funding earning assets | 0.6590% | 1,666 |
| Net interest margin | 3.3534% | 4,041 |
| Noninterest income to average assets | 0.2527% | 4,496 |
| Noninterest expense to average assets | 1.7549% | 5,196 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6706% | 728 |
| Return on assets (ROA) | 1.6706% | 732 |
| Pretax return on assets | 1.7128% | 1,084 |
| Return on Equity (ROE) | 13.1328% | 1,226 |
| Retained earnings to average equity (ytd only) | 5.9594% | 2,726 |
| Net charge-offs to loans | 0.1923% | 768 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 15.2500% | 1,672 |
| Efficiency ratio | 50.6073% | 5,054 |
| Assets per employee ($millions) | 5.6857% | 1,778 |
| Cash dividends to net income (ytd only)* | 54.6218% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2992% | 322 |
| Loan loss allowance to noncurrent loans | 78.5421% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 1.7131% | 740 |
| Noncurrent loans to loans | 2.9274% | 415 |
| Net loans and leases to total assets | 57.1733% | 4,017 |
| Net loans and leases to deposits | 69.5858% | 3,822 |
| Net loans and leases to core deposits | 76.7634% | 3,602 |
| Total domestic deposits to total assets | 82.1623% | 3,910 |
| Equity capital to assets | 12.7671% | 1,352 |
| Core capital (leverage) ratio | 13.3000% | 1,069 |
| Tier 1 risk-based capital ratio | 17.6612% | 1,927 |
| Total risk-based capital ratio | 18.9164% | 1,881 |
| Memoranda: | ||
| Average total assets | $56,984,000 | 4,979 |
| Average earning assets | $54,630,500 | 4,942 |
| Average equity | $7,249,000 | 4,862 |
| Average total loans | $33,284,500 | 4,882 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5350% | 4,726 |
| Cost of funding earning assets | 0.5736% | 1,791 |
| Net interest margin | 2.9614% | 4,960 |
| Noninterest income to average assets | 0.1630% | 5,144 |
| Noninterest expense to average assets | 1.7171% | 5,316 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.2747% | 1,289 |
| Return on assets (ROA) | 1.3251% | 1,189 |
| Pretax return on assets | 1.3633% | 2,115 |
| Return on Equity (ROE) | 10.6656% | 1,605 |
| Retained earnings to average equity (ytd only) | 3.6436% | 3,070 |
| Net charge-offs to loans | 0.3914% | 642 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 6.1967% | 3,216 |
| Efficiency ratio | 56.7010% | 4,694 |
| Assets per employee ($millions) | 6.3457% | 1,290 |
| Cash dividends to net income (ytd only)* | 65.8377% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3456% | 298 |
| Loan loss allowance to noncurrent loans | 92.3168% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 1.4813% | 930 |
| Noncurrent loans to loans | 2.5408% | 520 |
| Net loans and leases to total assets | 56.9347% | 4,116 |
| Net loans and leases to deposits | 74.0717% | 3,517 |
| Net loans and leases to core deposits | 82.2336% | 3,226 |
| Total domestic deposits to total assets | 76.8644% | 4,873 |
| Equity capital to assets | 12.6753% | 1,420 |
| Core capital (leverage) ratio | 13.2337% | 1,064 |
| Tier 1 risk-based capital ratio | 17.2221% | 2,019 |
| Total risk-based capital ratio | 18.4778% | 1,968 |
| Memoranda: | ||
| Average total assets | $57,654,200 | 5,012 |
| Average earning assets | $55,785,200 | 4,957 |
| Average equity | $7,163,200 | 4,916 |
| Average total loans | $31,172,200 | 4,997 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5074% | 4,798 |
| Cost of funding earning assets | 0.5584% | 1,826 |
| Net interest margin | 2.9490% | 5,021 |
| Noninterest income to average assets | 0.1477% | 5,271 |
| Noninterest expense to average assets | 1.7096% | 5,358 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2641% | 1,455 |
| Return on assets (ROA) | 1.3312% | 1,274 |
| Pretax return on assets | 1.3704% | 2,216 |
| Return on Equity (ROE) | 10.7682% | 1,790 |
| Retained earnings to average equity (ytd only) | 3.8071% | 3,654 |
| Net charge-offs to loans | 0.5309% | 381 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 4.6230% | 3,201 |
| Efficiency ratio | 56.7816% | 4,636 |
| Assets per employee ($millions) | 6.3376% | 1,284 |
| Cash dividends to net income (ytd only)* | 64.6449% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4592% | 278 |
| Loan loss allowance to noncurrent loans | 128.2430% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 1.0677% | 1,570 |
| Noncurrent loans to loans | 1.9176% | 903 |
| Net loans and leases to total assets | 54.3094% | 4,389 |
| Net loans and leases to deposits | 66.2029% | 4,237 |
| Net loans and leases to core deposits | 72.9832% | 4,059 |
| Total domestic deposits to total assets | 82.0348% | 3,768 |
| Equity capital to assets | 12.8458% | 1,466 |
| Core capital (leverage) ratio | 13.1809% | 1,133 |
| Tier 1 risk-based capital ratio | 17.8175% | 1,905 |
| Total risk-based capital ratio | 19.0737% | 1,855 |
| Memoranda: | ||
| Average total assets | $57,790,000 | 5,064 |
| Average earning assets | $56,108,250 | 5,002 |
| Average equity | $7,144,250 | 4,972 |
| Average total loans | $30,641,000 | 5,059 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4437% | 4,896 |
| Cost of funding earning assets | 0.5451% | 1,807 |
| Net interest margin | 2.8987% | 5,099 |
| Noninterest income to average assets | 0.1688% | 5,210 |
| Noninterest expense to average assets | 1.7195% | 5,395 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2367% | 1,484 |
| Return on assets (ROA) | 1.3370% | 1,225 |
| Pretax return on assets | 1.3749% | 2,120 |
| Return on Equity (ROE) | 10.9553% | 1,661 |
| Retained earnings to average equity (ytd only) | 4.8000% | 2,849 |
| Net charge-offs to loans | -0.0264% | 4,902 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4885% | 4,656 |
| Assets per employee ($millions) | 6.3532% | 1,230 |
| Cash dividends to net income (ytd only)* | 56.1856% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9296% | 173 |
| Loan loss allowance to noncurrent loans | 121.4477% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 1.3047% | 1,267 |
| Noncurrent loans to loans | 2.4122% | 643 |
| Net loans and leases to total assets | 52.5018% | 4,524 |
| Net loans and leases to deposits | 63.8927% | 4,374 |
| Net loans and leases to core deposits | 70.3902% | 4,201 |
| Total domestic deposits to total assets | 82.1718% | 3,839 |
| Equity capital to assets | 12.7617% | 1,489 |
| Core capital (leverage) ratio | 12.8669% | 1,231 |
| Tier 1 risk-based capital ratio | 18.0968% | 1,826 |
| Total risk-based capital ratio | 19.3589% | 1,780 |
| Memoranda: | ||
| Average total assets | $58,040,670 | 5,100 |
| Average earning assets | $56,508,330 | 5,035 |
| Average equity | $7,083,330 | 5,007 |
| Average total loans | $30,268,670 | 5,106 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3133% | 5,083 |
| Cost of funding earning assets | 0.5276% | 1,875 |
| Net interest margin | 2.7857% | 5,275 |
| Noninterest income to average assets | 0.1779% | 5,208 |
| Noninterest expense to average assets | 1.7239% | 5,453 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1219% | 1,786 |
| Return on assets (ROA) | 1.1219% | 1,823 |
| Pretax return on assets | 1.1630% | 2,730 |
| Return on Equity (ROE) | 9.4030% | 2,225 |
| Retained earnings to average equity (ytd only) | 3.4401% | 3,718 |
| Net charge-offs to loans | -0.0534% | 5,214 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7156% | 4,494 |
| Assets per employee ($millions) | 6.4777% | 1,199 |
| Cash dividends to net income (ytd only)* | 63.4146% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0155% | 170 |
| Loan loss allowance to noncurrent loans | 149.2586% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 1.1184% | 1,587 |
| Noncurrent loans to loans | 2.0203% | 880 |
| Net loans and leases to total assets | 49.9820% | 4,673 |
| Net loans and leases to deposits | 60.6696% | 4,519 |
| Net loans and leases to core deposits | 66.3169% | 4,409 |
| Total domestic deposits to total assets | 82.3839% | 4,064 |
| Equity capital to assets | 12.1614% | 1,731 |
| Core capital (leverage) ratio | 12.5439% | 1,317 |
| Tier 1 risk-based capital ratio | 18.0971% | 1,838 |
| Total risk-based capital ratio | 19.3585% | 1,801 |
| Memoranda: | ||
| Average total assets | $58,471,500 | 5,143 |
| Average earning assets | $56,862,500 | 5,079 |
| Average equity | $6,976,500 | 5,070 |
| Average total loans | $29,940,000 | 5,163 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3861% | 5,010 |
| Cost of funding earning assets | 0.5574% | 1,620 |
| Net interest margin | 2.8287% | 5,246 |
| Noninterest income to average assets | 0.1921% | 5,253 |
| Noninterest expense to average assets | 1.7762% | 5,496 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1234% | 1,808 |
| Return on assets (ROA) | 1.1542% | 1,776 |
| Pretax return on assets | 1.1930% | 2,701 |
| Return on Equity (ROE) | 9.3470% | 2,252 |
| Retained earnings to average equity (ytd only) | 2.6115% | 4,034 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4679% | 4,511 |
| Assets per employee ($millions) | 6.5160% | 1,145 |
| Cash dividends to net income (ytd only)* | 72.0611% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0233% | 172 |
| Loan loss allowance to noncurrent loans | 154.7170% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 0.9941% | 1,908 |
| Noncurrent loans to loans | 1.9541% | 935 |
| Net loans and leases to total assets | 49.3367% | 4,809 |
| Net loans and leases to deposits | 66.3921% | 4,213 |
| Net loans and leases to core deposits | 73.7297% | 3,942 |
| Total domestic deposits to total assets | 74.3111% | 5,415 |
| Equity capital to assets | 11.7028% | 2,008 |
| Core capital (leverage) ratio | 12.7425% | 1,237 |
| Tier 1 risk-based capital ratio | 17.7489% | 1,924 |
| Total risk-based capital ratio | 19.0086% | 1,879 |
| Memoranda: | ||
| Average total assets | $56,749,000 | 5,218 |
| Average earning assets | $55,077,400 | 5,144 |
| Average equity | $7,007,600 | 5,088 |
| Average total loans | $27,945,200 | 5,272 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4932% | 4,825 |
| Cost of funding earning assets | 0.5590% | 1,617 |
| Net interest margin | 2.9342% | 5,123 |
| Noninterest income to average assets | 0.2014% | 5,262 |
| Noninterest expense to average assets | 1.8528% | 5,456 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1551% | 1,787 |
| Return on assets (ROA) | 1.1965% | 1,746 |
| Pretax return on assets | 1.2391% | 2,662 |
| Return on Equity (ROE) | 9.5591% | 2,244 |
| Retained earnings to average equity (ytd only) | 2.2336% | 4,578 |
| Net charge-offs to loans | -0.0243% | 5,075 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7615% | 4,432 |
| Assets per employee ($millions) | 6.1231% | 1,338 |
| Cash dividends to net income (ytd only)* | 76.6337% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3724% | 128 |
| Loan loss allowance to noncurrent loans | 156.3793% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 1.0525% | 1,960 |
| Noncurrent loans to loans | 2.1565% | 876 |
| Net loans and leases to total assets | 47.1583% | 5,013 |
| Net loans and leases to deposits | 57.7319% | 4,893 |
| Net loans and leases to core deposits | 63.8746% | 4,733 |
| Total domestic deposits to total assets | 81.6851% | 4,045 |
| Equity capital to assets | 12.9963% | 1,491 |
| Core capital (leverage) ratio | 12.7770% | 1,279 |
| Tier 1 risk-based capital ratio | 18.6996% | 1,738 |
| Total risk-based capital ratio | 19.9627% | 1,701 |
| Memoranda: | ||
| Average total assets | $56,275,250 | 5,271 |
| Average earning assets | $54,619,500 | 5,198 |
| Average equity | $7,043,750 | 5,132 |
| Average total loans | $27,472,750 | 5,338 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5833% | 4,644 |
| Cost of funding earning assets | 0.5560% | 1,651 |
| Net interest margin | 3.0273% | 5,024 |
| Noninterest income to average assets | 0.1977% | 5,315 |
| Noninterest expense to average assets | 1.8071% | 5,587 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2902% | 1,298 |
| Return on assets (ROA) | 1.3518% | 1,234 |
| Pretax return on assets | 1.3942% | 2,055 |
| Return on Equity (ROE) | 10.9361% | 1,670 |
| Retained earnings to average equity (ytd only) | 3.7977% | 3,469 |
| Net charge-offs to loans | -0.0361% | 5,219 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5928% | 4,960 |
| Assets per employee ($millions) | 6.2507% | 1,233 |
| Cash dividends to net income (ytd only)* | 65.2742% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4724% | 126 |
| Loan loss allowance to noncurrent loans | 256.9405% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.6275% | 3,118 |
| Noncurrent loans to loans | 1.3515% | 1,664 |
| Net loans and leases to total assets | 44.8183% | 5,184 |
| Net loans and leases to deposits | 54.7086% | 5,093 |
| Net loans and leases to core deposits | 60.3687% | 4,966 |
| Total domestic deposits to total assets | 81.9219% | 4,017 |
| Equity capital to assets | 12.9088% | 1,562 |
| Core capital (leverage) ratio | 12.6646% | 1,276 |
| Tier 1 risk-based capital ratio | 19.4951% | 1,567 |
| Total risk-based capital ratio | 20.7600% | 1,527 |
| Memoranda: | ||
| Average total assets | $56,664,330 | 5,322 |
| Average earning assets | $55,033,000 | 5,252 |
| Average equity | $7,004,330 | 5,192 |
| Average total loans | $27,665,330 | 5,386 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6220% | 4,561 |
| Cost of funding earning assets | 0.5589% | 1,632 |
| Net interest margin | 3.0631% | 4,964 |
| Noninterest income to average assets | 0.1829% | 5,406 |
| Noninterest expense to average assets | 1.7936% | 5,659 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3151% | 1,217 |
| Return on assets (ROA) | 1.3083% | 1,311 |
| Pretax return on assets | 1.3505% | 2,089 |
| Return on Equity (ROE) | 10.8210% | 1,672 |
| Retained earnings to average equity (ytd only) | 3.8397% | 3,576 |
| Net charge-offs to loans | -0.0563% | 5,382 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9196% | 5,102 |
| Assets per employee ($millions) | 6.4066% | 1,159 |
| Cash dividends to net income (ytd only)* | 64.5161% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2906% | 167 |
| Loan loss allowance to noncurrent loans | 284.3260% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.5533% | 3,405 |
| Noncurrent loans to loans | 1.1573% | 2,090 |
| Net loans and leases to total assets | 46.2304% | 5,098 |
| Net loans and leases to deposits | 55.8814% | 4,995 |
| Net loans and leases to core deposits | 61.4349% | 4,849 |
| Total domestic deposits to total assets | 82.7295% | 3,995 |
| Equity capital to assets | 12.2461% | 1,860 |
| Core capital (leverage) ratio | 12.2817% | 1,441 |
| Tier 1 risk-based capital ratio | 18.8246% | 1,770 |
| Total risk-based capital ratio | 20.0868% | 1,738 |
| Memoranda: | ||
| Average total assets | $56,868,500 | 5,370 |
| Average earning assets | $55,107,000 | 5,296 |
| Average equity | $6,875,500 | 5,255 |
| Average total loans | $28,438,000 | 5,400 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5127% | 4,887 |
| Cost of funding earning assets | 0.5729% | 1,572 |
| Net interest margin | 2.9399% | 5,274 |
| Noninterest income to average assets | 0.1858% | 5,484 |
| Noninterest expense to average assets | 1.7589% | 5,792 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.2407% | 1,417 |
| Return on assets (ROA) | 1.2391% | 1,475 |
| Pretax return on assets | 1.2766% | 2,375 |
| Return on Equity (ROE) | 11.1057% | 1,581 |
| Retained earnings to average equity (ytd only) | 3.2996% | 3,699 |
| Net charge-offs to loans | -0.0137% | 5,182 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9125% | 5,154 |
| Assets per employee ($millions) | 6.2309% | 1,239 |
| Cash dividends to net income (ytd only)* | 70.2889% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0771% | 206 |
| Loan loss allowance to noncurrent loans | 165.8088% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 0.9701% | 2,253 |
| Noncurrent loans to loans | 1.8558% | 1,159 |
| Net loans and leases to total assets | 50.6634% | 4,810 |
| Net loans and leases to deposits | 61.3191% | 4,681 |
| Net loans and leases to core deposits | 67.5986% | 4,474 |
| Total domestic deposits to total assets | 82.6224% | 3,966 |
| Equity capital to assets | 11.9298% | 2,010 |
| Core capital (leverage) ratio | 12.4471% | 1,373 |
| Tier 1 risk-based capital ratio | 17.7045% | 2,052 |
| Total risk-based capital ratio | 18.9660% | 2,001 |
| Memoranda: | ||
| Average total assets | $58,673,000 | 5,349 |
| Average earning assets | $56,907,600 | 5,267 |
| Average equity | $6,546,200 | 5,338 |
| Average total loans | $29,132,200 | 5,397 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5143% | 4,948 |
| Cost of funding earning assets | 0.5741% | 1,588 |
| Net interest margin | 2.9401% | 5,334 |
| Noninterest income to average assets | 0.1888% | 5,532 |
| Noninterest expense to average assets | 1.7576% | 5,837 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2451% | 1,511 |
| Return on assets (ROA) | 1.2429% | 1,572 |
| Pretax return on assets | 1.2834% | 2,460 |
| Return on Equity (ROE) | 11.3254% | 1,592 |
| Retained earnings to average equity (ytd only) | 3.7274% | 3,823 |
| Net charge-offs to loans | -0.0183% | 5,181 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7548% | 5,151 |
| Assets per employee ($millions) | 6.2238% | 1,218 |
| Cash dividends to net income (ytd only)* | 67.0885% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0887% | 223 |
| Loan loss allowance to noncurrent loans | 556.7901% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.2892% | 4,609 |
| Noncurrent loans to loans | 0.5547% | 3,667 |
| Net loans and leases to total assets | 50.5249% | 4,888 |
| Net loans and leases to deposits | 61.6795% | 4,741 |
| Net loans and leases to core deposits | 69.3618% | 4,430 |
| Total domestic deposits to total assets | 81.9152% | 4,190 |
| Equity capital to assets | 12.0166% | 2,089 |
| Core capital (leverage) ratio | 11.9541% | 1,698 |
| Tier 1 risk-based capital ratio | 17.3700% | 2,229 |
| Total risk-based capital ratio | 18.6311% | 2,176 |
| Memoranda: | ||
| Average total assets | $59,321,750 | 5,403 |
| Average earning assets | $57,592,000 | 5,320 |
| Average equity | $6,510,250 | 5,412 |
| Average total loans | $29,087,000 | 5,464 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4367% | 5,143 |
| Cost of funding earning assets | 0.5626% | 1,705 |
| Net interest margin | 2.8742% | 5,489 |
| Noninterest income to average assets | 0.1920% | 5,528 |
| Noninterest expense to average assets | 1.7212% | 5,948 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2193% | 1,545 |
| Return on assets (ROA) | 1.1519% | 1,839 |
| Pretax return on assets | 1.1916% | 2,810 |
| Return on Equity (ROE) | 10.8130% | 1,744 |
| Retained earnings to average equity (ytd only) | 3.2936% | 3,949 |
| Net charge-offs to loans | -0.0207% | 5,186 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7137% | 5,255 |
| Assets per employee ($millions) | 5.8832% | 1,444 |
| Cash dividends to net income (ytd only)* | 69.5402% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2387% | 210 |
| Loan loss allowance to noncurrent loans | 514.8571% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.2975% | 4,686 |
| Noncurrent loans to loans | 0.6290% | 3,587 |
| Net loans and leases to total assets | 45.7557% | 5,270 |
| Net loans and leases to deposits | 54.5781% | 5,217 |
| Net loans and leases to core deposits | 60.8339% | 5,023 |
| Total domestic deposits to total assets | 83.8353% | 3,640 |
| Equity capital to assets | 10.8597% | 3,040 |
| Core capital (leverage) ratio | 11.6391% | 1,896 |
| Tier 1 risk-based capital ratio | 18.6262% | 1,890 |
| Total risk-based capital ratio | 19.8908% | 1,850 |
| Memoranda: | ||
| Average total assets | $60,424,330 | 5,439 |
| Average earning assets | $58,660,330 | 5,342 |
| Average equity | $6,436,670 | 5,465 |
| Average total loans | $29,048,330 | 5,518 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4080% | 5,181 |
| Cost of funding earning assets | 0.5601% | 1,753 |
| Net interest margin | 2.8478% | 5,551 |
| Noninterest income to average assets | 0.1829% | 5,617 |
| Noninterest expense to average assets | 1.6726% | 6,042 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2218% | 1,485 |
| Return on assets (ROA) | 1.0650% | 2,108 |
| Pretax return on assets | 1.1042% | 3,054 |
| Return on Equity (ROE) | 10.0921% | 1,964 |
| Retained earnings to average equity (ytd only) | 2.1670% | 4,599 |
| Net charge-offs to loans | -0.0405% | 5,412 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8889% | 5,449 |
| Assets per employee ($millions) | 6.0918% | 1,339 |
| Cash dividends to net income (ytd only)* | 78.5276% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1487% | 261 |
| Loan loss allowance to noncurrent loans | 535.7143% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.2758% | 4,844 |
| Noncurrent loans to loans | 0.5878% | 3,816 |
| Net loans and leases to total assets | 45.4431% | 5,242 |
| Net loans and leases to deposits | 55.1729% | 5,108 |
| Net loans and leases to core deposits | 60.3628% | 4,967 |
| Total domestic deposits to total assets | 82.3648% | 4,392 |
| Equity capital to assets | 11.0788% | 2,884 |
| Core capital (leverage) ratio | 11.2665% | 2,177 |
| Tier 1 risk-based capital ratio | 17.9352% | 2,156 |
| Total risk-based capital ratio | 19.1971% | 2,110 |
| Memoranda: | ||
| Average total assets | $61,220,500 | 5,474 |
| Average earning assets | $59,273,000 | 5,379 |
| Average equity | $6,460,500 | 5,504 |
| Average total loans | $29,662,500 | 5,525 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7661% | 4,595 |
| Cost of funding earning assets | 0.6162% | 1,632 |
| Net interest margin | 3.1499% | 5,070 |
| Noninterest income to average assets | 0.1972% | 5,673 |
| Noninterest expense to average assets | 1.6892% | 6,166 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.5172% | 846 |
| Return on assets (ROA) | 1.5188% | 876 |
| Pretax return on assets | 1.5589% | 1,356 |
| Return on Equity (ROE) | 17.9240% | 401 |
| Retained earnings to average equity (ytd only) | 4.7127% | 2,824 |
| Net charge-offs to loans | -0.0075% | 5,515 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0329% | 5,982 |
| Assets per employee ($millions) | 6.8359% | 911 |
| Cash dividends to net income (ytd only)* | 73.7074% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9211% | 328 |
| Loan loss allowance to noncurrent loans | 748.3333% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.1950% | 5,249 |
| Noncurrent loans to loans | 0.3903% | 4,474 |
| Net loans and leases to total assets | 48.5087% | 5,112 |
| Net loans and leases to deposits | 59.8004% | 4,918 |
| Net loans and leases to core deposits | 66.2097% | 4,656 |
| Total domestic deposits to total assets | 81.1176% | 4,709 |
| Equity capital to assets | 10.0320% | 4,067 |
| Core capital (leverage) ratio | 11.3527% | 2,088 |
| Tier 1 risk-based capital ratio | 17.0536% | 2,492 |
| Total risk-based capital ratio | 18.3150% | 2,439 |
| Memoranda: | ||
| Average total assets | $59,850,000 | 5,552 |
| Average earning assets | $57,938,000 | 5,460 |
| Average equity | $5,071,400 | 5,839 |
| Average total loans | $26,629,800 | 5,718 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8203% | 4,468 |
| Cost of funding earning assets | 0.6267% | 1,625 |
| Net interest margin | 3.1936% | 4,988 |
| Noninterest income to average assets | 0.2064% | 5,692 |
| Noninterest expense to average assets | 1.6870% | 6,218 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.5781% | 791 |
| Return on assets (ROA) | 1.6265% | 735 |
| Pretax return on assets | 1.6669% | 1,144 |
| Return on Equity (ROE) | 20.1541% | 275 |
| Retained earnings to average equity (ytd only) | 5.8377% | 2,509 |
| Net charge-offs to loans | -0.0104% | 5,437 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0523% | 6,048 |
| Assets per employee ($millions) | 6.5790% | 979 |
| Cash dividends to net income (ytd only)* | 71.0347% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5777% | 219 |
| Loan loss allowance to noncurrent loans | 730.0813% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.2077% | 5,394 |
| Noncurrent loans to loans | 0.4900% | 4,443 |
| Net loans and leases to total assets | 40.8742% | 5,759 |
| Net loans and leases to deposits | 48.2756% | 5,750 |
| Net loans and leases to core deposits | 54.3706% | 5,546 |
| Total domestic deposits to total assets | 84.6684% | 3,470 |
| Equity capital to assets | 9.3935% | 4,934 |
| Core capital (leverage) ratio | 11.3076% | 2,210 |
| Tier 1 risk-based capital ratio | 19.5691% | 1,765 |
| Total risk-based capital ratio | 20.8345% | 1,733 |
| Memoranda: | ||
| Average total assets | $59,431,750 | 5,626 |
| Average earning assets | $57,655,750 | 5,524 |
| Average equity | $4,796,250 | 5,970 |
| Average total loans | $25,601,750 | 5,808 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8813% | 4,216 |
| Cost of funding earning assets | 0.6243% | 1,695 |
| Net interest margin | 3.2569% | 4,753 |
| Noninterest income to average assets | 0.2017% | 5,753 |
| Noninterest expense to average assets | 1.7007% | 6,270 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.6181% | 679 |
| Return on assets (ROA) | 1.6872% | 624 |
| Pretax return on assets | 1.7276% | 967 |
| Return on Equity (ROE) | 22.1097% | 196 |
| Retained earnings to average equity (ytd only) | 6.6946% | 1,930 |
| Net charge-offs to loans | -0.0155% | 5,446 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6507% | 6,142 |
| Assets per employee ($millions) | 6.7179% | 913 |
| Cash dividends to net income (ytd only)* | 69.7211% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6442% | 226 |
| Loan loss allowance to noncurrent loans | 636.8794% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.2332% | 5,397 |
| Noncurrent loans to loans | 0.5722% | 4,303 |
| Net loans and leases to total assets | 39.2716% | 5,876 |
| Net loans and leases to deposits | 46.6657% | 5,847 |
| Net loans and leases to core deposits | 51.8202% | 5,672 |
| Total domestic deposits to total assets | 84.1551% | 3,872 |
| Equity capital to assets | 8.8454% | 5,476 |
| Core capital (leverage) ratio | 11.1052% | 2,325 |
| Tier 1 risk-based capital ratio | 19.5969% | 1,784 |
| Total risk-based capital ratio | 20.8634% | 1,751 |
| Memoranda: | ||
| Average total assets | $59,505,330 | 5,677 |
| Average earning assets | $57,661,330 | 5,570 |
| Average equity | $4,541,000 | 6,080 |
| Average total loans | $25,769,000 | 5,848 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0247% | 3,590 |
| Cost of funding earning assets | 0.6229% | 1,785 |
| Net interest margin | 3.4017% | 4,107 |
| Noninterest income to average assets | 0.2101% | 5,677 |
| Noninterest expense to average assets | 1.7551% | 6,275 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.7097% | 565 |
| Return on assets (ROA) | 1.8093% | 497 |
| Pretax return on assets | 1.8500% | 725 |
| Return on Equity (ROE) | 25.8127% | 108 |
| Retained earnings to average equity (ytd only) | 9.8610% | 1,001 |
| Net charge-offs to loans | -0.0152% | 5,213 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0967% | 6,247 |
| Assets per employee ($millions) | 6.5671% | 983 |
| Cash dividends to net income (ytd only)* | 61.7978% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5528% | 255 |
| Loan loss allowance to noncurrent loans | 690.0000% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.2200% | 5,550 |
| Noncurrent loans to loans | 0.5149% | 4,627 |
| Net loans and leases to total assets | 41.2003% | 5,734 |
| Net loans and leases to deposits | 47.1608% | 5,781 |
| Net loans and leases to core deposits | 52.2756% | 5,601 |
| Total domestic deposits to total assets | 87.3613% | 2,590 |
| Equity capital to assets | 7.7304% | 6,220 |
| Core capital (leverage) ratio | 11.2884% | 2,149 |
| Tier 1 risk-based capital ratio | 19.4797% | 1,841 |
| Total risk-based capital ratio | 20.7453% | 1,807 |
| Memoranda: | ||
| Average total assets | $59,027,500 | 5,739 |
| Average earning assets | $57,147,500 | 5,638 |
| Average equity | $4,137,500 | 6,211 |
| Average total loans | $26,332,500 | 5,877 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8836% | 4,527 |
| Cost of funding earning assets | 0.6458% | 2,240 |
| Net interest margin | 3.2377% | 4,867 |
| Noninterest income to average assets | 0.2074% | 5,841 |
| Noninterest expense to average assets | 1.8157% | 6,295 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.4812% | 856 |
| Return on assets (ROA) | 1.7878% | 512 |
| Pretax return on assets | 1.8322% | 695 |
| Return on Equity (ROE) | 20.3051% | 267 |
| Retained earnings to average equity (ytd only) | 6.7497% | 1,555 |
| Net charge-offs to loans | -0.0351% | 6,256 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4423% | 6,098 |
| Assets per employee ($millions) | 6.5501% | 966 |
| Cash dividends to net income (ytd only)* | 66.7587% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2680% | 345 |
| Loan loss allowance to noncurrent loans | 953.1915% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.1595% | 5,839 |
| Noncurrent loans to loans | 0.3429% | 5,161 |
| Net loans and leases to total assets | 44.9882% | 5,587 |
| Net loans and leases to deposits | 52.9087% | 5,556 |
| Net loans and leases to core deposits | 57.8657% | 5,404 |
| Total domestic deposits to total assets | 85.0299% | 3,734 |
| Equity capital to assets | 6.2866% | 6,590 |
| Core capital (leverage) ratio | 10.9612% | 2,427 |
| Tier 1 risk-based capital ratio | 18.2895% | 2,151 |
| Total risk-based capital ratio | 19.5548% | 2,105 |
| Memoranda: | ||
| Average total assets | $60,746,600 | 5,737 |
| Average earning assets | $58,683,400 | 5,634 |
| Average equity | $5,348,400 | 5,973 |
| Average total loans | $25,662,200 | 5,951 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8032% | 4,844 |
| Cost of funding earning assets | 0.6425% | 2,430 |
| Net interest margin | 3.1607% | 5,112 |
| Noninterest income to average assets | 0.2200% | 5,850 |
| Noninterest expense to average assets | 1.6820% | 6,488 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.5572% | 816 |
| Return on assets (ROA) | 1.8476% | 498 |
| Pretax return on assets | 1.8890% | 724 |
| Return on Equity (ROE) | 19.6326% | 327 |
| Retained earnings to average equity (ytd only) | 6.5518% | 2,102 |
| Net charge-offs to loans | -0.0582% | 6,359 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3639% | 6,301 |
| Assets per employee ($millions) | 6.8034% | 816 |
| Cash dividends to net income (ytd only)* | 66.6269% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3838% | 380 |
| Loan loss allowance to noncurrent loans | 889.1089% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.1649% | 5,946 |
| Noncurrent loans to loans | 0.3806% | 5,260 |
| Net loans and leases to total assets | 41.8742% | 5,910 |
| Net loans and leases to deposits | 47.5625% | 5,992 |
| Net loans and leases to core deposits | 50.1585% | 6,011 |
| Total domestic deposits to total assets | 88.0404% | 2,106 |
| Equity capital to assets | 7.0487% | 6,534 |
| Core capital (leverage) ratio | 10.8469% | 2,622 |
| Tier 1 risk-based capital ratio | 17.9650% | 2,339 |
| Total risk-based capital ratio | 19.2313% | 2,294 |
| Memoranda: | ||
| Average total assets | $61,195,500 | 5,789 |
| Average earning assets | $59,141,000 | 5,680 |
| Average equity | $5,759,000 | 5,938 |
| Average total loans | $25,223,500 | 6,026 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7536% | 4,978 |
| Cost of funding earning assets | 0.6504% | 2,488 |
| Net interest margin | 3.1032% | 5,265 |
| Noninterest income to average assets | 0.2288% | 5,809 |
| Noninterest expense to average assets | 1.6115% | 6,581 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.5747% | 777 |
| Return on assets (ROA) | 2.0103% | 372 |
| Pretax return on assets | 2.0561% | 538 |
| Return on Equity (ROE) | 19.7115% | 327 |
| Retained earnings to average equity (ytd only) | 9.6154% | 938 |
| Net charge-offs to loans | -0.0081% | 5,729 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0000% | 6,431 |
| Assets per employee ($millions) | 6.4614% | 918 |
| Cash dividends to net income (ytd only)* | 51.2195% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8334% | 292 |
| Loan loss allowance to noncurrent loans | 807.2727% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.1892% | 5,925 |
| Noncurrent loans to loans | 0.4749% | 5,073 |
| Net loans and leases to total assets | 38.3076% | 6,160 |
| Net loans and leases to deposits | 44.1391% | 6,219 |
| Net loans and leases to core deposits | 46.7180% | 6,198 |
| Total domestic deposits to total assets | 86.7883% | 2,949 |
| Equity capital to assets | 8.1612% | 6,083 |
| Core capital (leverage) ratio | 10.4783% | 2,904 |
| Tier 1 risk-based capital ratio | 20.0569% | 1,706 |
| Total risk-based capital ratio | 21.3246% | 1,670 |
| Memoranda: | ||
| Average total assets | $61,183,670 | 5,831 |
| Average earning assets | $59,036,330 | 5,724 |
| Average equity | $6,240,000 | 5,867 |
| Average total loans | $24,785,330 | 6,078 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7611% | 4,954 |
| Cost of funding earning assets | 0.6423% | 2,725 |
| Net interest margin | 3.1188% | 5,197 |
| Noninterest income to average assets | 0.2488% | 5,678 |
| Noninterest expense to average assets | 1.5758% | 6,683 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.6268% | 671 |
| Return on assets (ROA) | 1.6268% | 734 |
| Pretax return on assets | 1.6779% | 1,131 |
| Return on Equity (ROE) | 14.5985% | 843 |
| Retained earnings to average equity (ytd only) | 6.5837% | 2,376 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4314% | 6,593 |
| Assets per employee ($millions) | 7.1294% | 725 |
| Cash dividends to net income (ytd only)* | 54.9020% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6210% | 381 |
| Loan loss allowance to noncurrent loans | 828.9720% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.1668% | 6,073 |
| Noncurrent loans to loans | 0.4368% | 5,328 |
| Net loans and leases to total assets | 36.7942% | 6,242 |
| Net loans and leases to deposits | 43.4860% | 6,235 |
| Net loans and leases to core deposits | 45.6124% | 6,232 |
| Total domestic deposits to total assets | 84.6115% | 4,221 |
| Equity capital to assets | 10.8502% | 3,143 |
| Core capital (leverage) ratio | 9.9313% | 3,492 |
| Tier 1 risk-based capital ratio | 18.6473% | 2,141 |
| Total risk-based capital ratio | 19.9142% | 2,107 |
| Memoranda: | ||
| Average total assets | $62,699,000 | 5,842 |
| Average earning assets | $60,408,500 | 5,735 |
| Average equity | $6,987,000 | 5,745 |
| Average total loans | $25,595,500 | 6,089 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6889% | 6,074 |
| Cost of funding earning assets | 0.7930% | 2,723 |
| Net interest margin | 2.8960% | 6,232 |
| Noninterest income to average assets | 0.1888% | 6,053 |
| Noninterest expense to average assets | 1.7719% | 6,656 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.1714% | 1,691 |
| Return on assets (ROA) | 1.6660% | 744 |
| Pretax return on assets | 1.6996% | 1,139 |
| Return on Equity (ROE) | 13.7955% | 1,035 |
| Retained earnings to average equity (ytd only) | 4.5157% | 3,049 |
| Net charge-offs to loans | -0.0356% | 6,645 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7264% | 5,586 |
| Assets per employee ($millions) | 6.8037% | 857 |
| Cash dividends to net income (ytd only)* | 67.2669% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3227% | 497 |
| Loan loss allowance to noncurrent loans | 828.9720% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.1747% | 6,128 |
| Noncurrent loans to loans | 0.4008% | 5,491 |
| Net loans and leases to total assets | 42.1472% | 5,994 |
| Net loans and leases to deposits | 50.2952% | 5,933 |
| Net loans and leases to core deposits | 52.8993% | 5,950 |
| Total domestic deposits to total assets | 83.7996% | 4,404 |
| Equity capital to assets | 11.4513% | 2,496 |
| Core capital (leverage) ratio | 10.3979% | 2,885 |
| Tier 1 risk-based capital ratio | 17.7641% | 2,359 |
| Total risk-based capital ratio | 19.0305% | 2,312 |
| Memoranda: | ||
| Average total assets | $56,661,400 | 6,008 |
| Average earning assets | $54,351,600 | 5,919 |
| Average equity | $6,842,800 | 5,808 |
| Average total loans | $25,308,000 | 6,175 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9607% | 5,632 |
| Cost of funding earning assets | 0.8207% | 2,770 |
| Net interest margin | 3.1400% | 5,840 |
| Noninterest income to average assets | 0.2017% | 6,089 |
| Noninterest expense to average assets | 1.7603% | 6,726 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.4288% | 1,161 |
| Return on assets (ROA) | 1.7747% | 670 |
| Pretax return on assets | 1.8084% | 1,028 |
| Return on Equity (ROE) | 14.4888% | 1,002 |
| Retained earnings to average equity (ytd only) | 5.0779% | 3,316 |
| Net charge-offs to loans | -0.0481% | 6,697 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7423% | 6,171 |
| Assets per employee ($millions) | 6.2046% | 1,120 |
| Cash dividends to net income (ytd only)* | 64.9521% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7543% | 374 |
| Loan loss allowance to noncurrent loans | 764.6552% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.2077% | 6,193 |
| Noncurrent loans to loans | 0.4910% | 5,466 |
| Net loans and leases to total assets | 40.7210% | 6,223 |
| Net loans and leases to deposits | 49.5166% | 6,147 |
| Net loans and leases to core deposits | 52.3928% | 6,158 |
| Total domestic deposits to total assets | 82.2371% | 4,938 |
| Equity capital to assets | 12.4801% | 1,909 |
| Core capital (leverage) ratio | 10.7818% | 2,630 |
| Tier 1 risk-based capital ratio | 20.3975% | 1,658 |
| Total risk-based capital ratio | 21.6672% | 1,620 |
| Memoranda: | ||
| Average total assets | $55,518,500 | 6,108 |
| Average earning assets | $53,288,750 | 6,017 |
| Average equity | $6,800,500 | 5,884 |
| Average total loans | $24,961,250 | 6,283 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9106% | 5,884 |
| Cost of funding earning assets | 0.8259% | 2,987 |
| Net interest margin | 3.0848% | 6,050 |
| Noninterest income to average assets | 0.2238% | 5,965 |
| Noninterest expense to average assets | 1.7614% | 6,790 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3885% | 1,212 |
| Return on assets (ROA) | 1.8661% | 565 |
| Pretax return on assets | 1.9021% | 841 |
| Return on Equity (ROE) | 15.3314% | 882 |
| Retained earnings to average equity (ytd only) | 6.1385% | 2,619 |
| Net charge-offs to loans | -0.0630% | 6,730 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4545% | 6,178 |
| Assets per employee ($millions) | 6.1822% | 1,122 |
| Cash dividends to net income (ytd only)* | 59.9613% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7403% | 409 |
| Loan loss allowance to noncurrent loans | 744.5378% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.2139% | 6,244 |
| Noncurrent loans to loans | 0.5024% | 5,531 |
| Net loans and leases to total assets | 40.9813% | 6,273 |
| Net loans and leases to deposits | 50.3278% | 6,160 |
| Net loans and leases to core deposits | 53.2869% | 6,140 |
| Total domestic deposits to total assets | 81.4288% | 5,321 |
| Equity capital to assets | 12.4101% | 1,870 |
| Core capital (leverage) ratio | 10.9505% | 2,351 |
| Tier 1 risk-based capital ratio | 20.2220% | 1,657 |
| Total risk-based capital ratio | 21.4917% | 1,618 |
| Memoranda: | ||
| Average total assets | $55,411,000 | 6,151 |
| Average earning assets | $53,035,000 | 6,063 |
| Average equity | $6,744,330 | 5,916 |
| Average total loans | $25,406,330 | 6,296 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3080% | 4,704 |
| Cost of funding earning assets | 0.8450% | 3,104 |
| Net interest margin | 3.4630% | 4,862 |
| Noninterest income to average assets | 0.2387% | 5,919 |
| Noninterest expense to average assets | 1.7650% | 6,833 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.7616% | 649 |
| Return on assets (ROA) | 1.9459% | 531 |
| Pretax return on assets | 1.9820% | 760 |
| Return on Equity (ROE) | 16.1465% | 782 |
| Retained earnings to average equity (ytd only) | 8.6435% | 1,718 |
| Net charge-offs to loans | -0.0761% | 6,698 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5935% | 6,699 |
| Assets per employee ($millions) | 6.1347% | 1,202 |
| Cash dividends to net income (ytd only)* | 46.4684% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5343% | 521 |
| Loan loss allowance to noncurrent loans | 695.2756% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.2300% | 6,307 |
| Noncurrent loans to loans | 0.5083% | 5,652 |
| Net loans and leases to total assets | 43.6517% | 6,045 |
| Net loans and leases to deposits | 53.6162% | 5,849 |
| Net loans and leases to core deposits | 56.7884% | 5,838 |
| Total domestic deposits to total assets | 81.4153% | 5,492 |
| Equity capital to assets | 12.1024% | 1,973 |
| Core capital (leverage) ratio | 10.9463% | 2,302 |
| Tier 1 risk-based capital ratio | 18.7951% | 2,052 |
| Total risk-based capital ratio | 20.0624% | 2,013 |
| Memoranda: | ||
| Average total assets | $55,296,500 | 6,197 |
| Average earning assets | $53,017,500 | 6,099 |
| Average equity | $6,664,000 | 5,976 |
| Average total loans | $26,265,500 | 6,291 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5414% | 4,910 |
| Cost of funding earning assets | 0.9547% | 3,689 |
| Net interest margin | 3.5866% | 4,781 |
| Noninterest income to average assets | 0.1925% | 6,122 |
| Noninterest expense to average assets | 1.9079% | 6,819 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.6844% | 568 |
| Return on assets (ROA) | 1.9060% | 400 |
| Pretax return on assets | 1.9434% | 604 |
| Return on Equity (ROE) | 16.1664% | 578 |
| Retained earnings to average equity (ytd only) | 4.9767% | 2,655 |
| Net charge-offs to loans | -0.0763% | 7,105 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6289% | 6,650 |
| Assets per employee ($millions) | 6.1534% | 1,129 |
| Cash dividends to net income (ytd only)* | 69.2157% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1873% | 688 |
| Loan loss allowance to noncurrent loans | 750.4274% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.2113% | 6,438 |
| Noncurrent loans to loans | 0.4247% | 5,858 |
| Net loans and leases to total assets | 48.1555% | 5,809 |
| Net loans and leases to deposits | 60.0126% | 5,480 |
| Net loans and leases to core deposits | 63.5991% | 5,511 |
| Total domestic deposits to total assets | 80.2423% | 5,674 |
| Equity capital to assets | 12.0005% | 2,125 |
| Core capital (leverage) ratio | 10.8334% | 2,407 |
| Tier 1 risk-based capital ratio | 17.3082% | 2,462 |
| Total risk-based capital ratio | 18.5746% | 2,426 |
| Memoranda: | ||
| Average total assets | $53,515,000 | 6,246 |
| Average earning assets | $51,217,800 | 6,153 |
| Average equity | $6,309,400 | 6,068 |
| Average total loans | $26,213,600 | 6,340 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8366% | 3,851 |
| Cost of funding earning assets | 0.9846% | 3,787 |
| Net interest margin | 3.8519% | 3,604 |
| Noninterest income to average assets | 0.2061% | 6,131 |
| Noninterest expense to average assets | 1.8775% | 6,881 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.9832% | 351 |
| Return on assets (ROA) | 2.1137% | 307 |
| Pretax return on assets | 2.1489% | 472 |
| Return on Equity (ROE) | 18.0123% | 455 |
| Retained earnings to average equity (ytd only) | 6.7466% | 2,110 |
| Net charge-offs to loans | -0.0979% | 7,159 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2247% | 6,948 |
| Assets per employee ($millions) | 5.6936% | 1,431 |
| Cash dividends to net income (ytd only)* | 62.5447% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5706% | 533 |
| Loan loss allowance to noncurrent loans | 736.9748% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.2322% | 6,479 |
| Noncurrent loans to loans | 0.4845% | 5,880 |
| Net loans and leases to total assets | 46.2218% | 6,130 |
| Net loans and leases to deposits | 57.6095% | 5,878 |
| Net loans and leases to core deposits | 61.3426% | 5,873 |
| Total domestic deposits to total assets | 80.2330% | 5,664 |
| Equity capital to assets | 13.0342% | 1,603 |
| Core capital (leverage) ratio | 11.3659% | 2,119 |
| Tier 1 risk-based capital ratio | 19.2545% | 1,867 |
| Total risk-based capital ratio | 20.5254% | 1,829 |
| Memoranda: | ||
| Average total assets | $53,048,500 | 6,309 |
| Average earning assets | $50,778,750 | 6,210 |
| Average equity | $6,225,250 | 6,137 |
| Average total loans | $25,880,250 | 6,430 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9072% | 3,588 |
| Cost of funding earning assets | 1.0025% | 3,927 |
| Net interest margin | 3.9047% | 3,288 |
| Noninterest income to average assets | 0.2125% | 6,148 |
| Noninterest expense to average assets | 1.8676% | 6,986 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.0414% | 324 |
| Return on assets (ROA) | 2.1547% | 282 |
| Pretax return on assets | 2.1920% | 416 |
| Return on Equity (ROE) | 19.0319% | 383 |
| Retained earnings to average equity (ytd only) | 8.2977% | 1,345 |
| Net charge-offs to loans | -0.1368% | 7,231 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3535% | 7,090 |
| Assets per employee ($millions) | 5.8232% | 1,291 |
| Cash dividends to net income (ytd only)* | 56.4014% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5972% | 564 |
| Loan loss allowance to noncurrent loans | 2,136.5854% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0782% | 6,903 |
| Noncurrent loans to loans | 0.1684% | 6,559 |
| Net loans and leases to total assets | 44.7938% | 6,366 |
| Net loans and leases to deposits | 55.1676% | 6,209 |
| Net loans and leases to core deposits | 60.7227% | 6,033 |
| Total domestic deposits to total assets | 81.1960% | 5,460 |
| Equity capital to assets | 12.2632% | 1,928 |
| Core capital (leverage) ratio | 11.0174% | 2,233 |
| Tier 1 risk-based capital ratio | 19.0531% | 1,826 |
| Total risk-based capital ratio | 20.3244% | 1,783 |
| Memoranda: | ||
| Average total assets | $53,650,670 | 6,343 |
| Average earning assets | $51,271,670 | 6,246 |
| Average equity | $6,074,000 | 6,217 |
| Average total loans | $26,319,670 | 6,466 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0072% | 3,078 |
| Cost of funding earning assets | 1.0325% | 3,973 |
| Net interest margin | 3.9747% | 2,801 |
| Noninterest income to average assets | 0.1990% | 6,296 |
| Noninterest expense to average assets | 1.8278% | 7,105 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.1079% | 296 |
| Return on assets (ROA) | 2.1079% | 307 |
| Pretax return on assets | 2.1448% | 438 |
| Return on Equity (ROE) | 19.3981% | 369 |
| Retained earnings to average equity (ytd only) | 10.8521% | 930 |
| Net charge-offs to loans | 0.0733% | 4,208 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 58.2000% | 509 |
| Efficiency ratio | 46.0111% | 7,204 |
| Assets per employee ($millions) | 6.1136% | 1,131 |
| Cash dividends to net income (ytd only)* | 44.0559% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3155% | 703 |
| Loan loss allowance to noncurrent loans | 2,033.3333% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0763% | 6,976 |
| Noncurrent loans to loans | 0.1631% | 6,649 |
| Net loans and leases to total assets | 45.2619% | 6,357 |
| Net loans and leases to deposits | 56.0926% | 6,114 |
| Net loans and leases to core deposits | 61.4747% | 5,973 |
| Total domestic deposits to total assets | 80.6914% | 5,751 |
| Equity capital to assets | 10.8320% | 2,851 |
| Core capital (leverage) ratio | 10.5621% | 2,543 |
| Tier 1 risk-based capital ratio | 17.3515% | 2,354 |
| Total risk-based capital ratio | 18.6190% | 2,321 |
| Memoranda: | ||
| Average total assets | $54,271,500 | 6,364 |
| Average earning assets | $51,526,000 | 6,287 |
| Average equity | $5,897,500 | 6,279 |
| Average total loans | $27,303,500 | 6,450 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0025% | 4,547 |
| Cost of funding earning assets | 1.3549% | 3,541 |
| Net interest margin | 3.6477% | 4,585 |
| Noninterest income to average assets | 0.2295% | 6,160 |
| Noninterest expense to average assets | 1.9698% | 7,071 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.7183% | 495 |
| Return on assets (ROA) | 1.9119% | 351 |
| Pretax return on assets | 1.9498% | 541 |
| Return on Equity (ROE) | 16.1650% | 564 |
| Retained earnings to average equity (ytd only) | 4.8934% | 2,482 |
| Net charge-offs to loans | -0.1174% | 7,509 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9223% | 6,902 |
| Assets per employee ($millions) | 5.9468% | 1,244 |
| Cash dividends to net income (ytd only)* | 69.7286% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9741% | 891 |
| Loan loss allowance to noncurrent loans | 1,479.3103% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.1084% | 6,962 |
| Noncurrent loans to loans | 0.2010% | 6,666 |
| Net loans and leases to total assets | 52.2991% | 5,870 |
| Net loans and leases to deposits | 64.0307% | 5,626 |
| Net loans and leases to core deposits | 70.2638% | 5,421 |
| Total domestic deposits to total assets | 81.6782% | 5,302 |
| Equity capital to assets | 10.9023% | 2,774 |
| Core capital (leverage) ratio | 10.9982% | 2,167 |
| Tier 1 risk-based capital ratio | 16.1251% | 2,685 |
| Total risk-based capital ratio | 17.3918% | 2,636 |
| Memoranda: | ||
| Average total assets | $50,107,000 | 6,532 |
| Average earning assets | $47,975,600 | 6,431 |
| Average equity | $5,926,400 | 6,390 |
| Average total loans | $26,400,200 | 6,593 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1346% | 4,150 |
| Cost of funding earning assets | 1.4098% | 3,523 |
| Net interest margin | 3.7248% | 4,289 |
| Noninterest income to average assets | 0.2436% | 6,148 |
| Noninterest expense to average assets | 1.9463% | 7,142 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.8407% | 459 |
| Return on assets (ROA) | 2.1033% | 303 |
| Pretax return on assets | 2.1412% | 460 |
| Return on Equity (ROE) | 17.4135% | 544 |
| Retained earnings to average equity (ytd only) | 6.8130% | 1,937 |
| Net charge-offs to loans | -0.1344% | 7,585 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9568% | 7,074 |
| Assets per employee ($millions) | 5.4708% | 1,651 |
| Cash dividends to net income (ytd only)* | 60.8753% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2550% | 666 |
| Loan loss allowance to noncurrent loans | 1,936.3636% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.0894% | 7,128 |
| Noncurrent loans to loans | 0.1681% | 6,850 |
| Net loans and leases to total assets | 51.4308% | 6,168 |
| Net loans and leases to deposits | 64.2781% | 5,880 |
| Net loans and leases to core deposits | 71.2822% | 5,600 |
| Total domestic deposits to total assets | 80.0130% | 5,708 |
| Equity capital to assets | 12.9577% | 1,598 |
| Core capital (leverage) ratio | 11.4358% | 1,979 |
| Tier 1 risk-based capital ratio | 17.4866% | 2,184 |
| Total risk-based capital ratio | 18.7533% | 2,143 |
| Memoranda: | ||
| Average total assets | $49,253,500 | 6,648 |
| Average earning assets | $47,286,000 | 6,543 |
| Average equity | $5,949,250 | 6,461 |
| Average total loans | $25,788,000 | 6,714 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2980% | 3,481 |
| Cost of funding earning assets | 1.4272% | 3,702 |
| Net interest margin | 3.8708% | 3,581 |
| Noninterest income to average assets | 0.2517% | 6,112 |
| Noninterest expense to average assets | 1.9367% | 7,201 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.9901% | 338 |
| Return on assets (ROA) | 2.0220% | 350 |
| Pretax return on assets | 2.0585% | 539 |
| Return on Equity (ROE) | 17.1556% | 553 |
| Retained earnings to average equity (ytd only) | 6.9932% | 1,834 |
| Net charge-offs to loans | -0.2338% | 7,660 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8730% | 7,299 |
| Assets per employee ($millions) | 5.4769% | 1,638 |
| Cash dividends to net income (ytd only)* | 59.2369% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3855% | 597 |
| Loan loss allowance to noncurrent loans | 1,615.0943% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.1075% | 7,121 |
| Noncurrent loans to loans | 0.2096% | 6,832 |
| Net loans and leases to total assets | 49.5577% | 6,484 |
| Net loans and leases to deposits | 62.4150% | 6,192 |
| Net loans and leases to core deposits | 69.2502% | 5,946 |
| Total domestic deposits to total assets | 79.4003% | 5,920 |
| Equity capital to assets | 12.4767% | 1,816 |
| Core capital (leverage) ratio | 11.2668% | 2,053 |
| Tier 1 risk-based capital ratio | 17.4528% | 2,115 |
| Total risk-based capital ratio | 18.7213% | 2,074 |
| Memoranda: | ||
| Average total assets | $49,259,000 | 6,679 |
| Average earning assets | $47,225,670 | 6,584 |
| Average equity | $5,805,670 | 6,529 |
| Average total loans | $25,659,000 | 6,765 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2704% | 3,687 |
| Cost of funding earning assets | 1.4366% | 3,949 |
| Net interest margin | 3.8338% | 3,651 |
| Noninterest income to average assets | 0.2356% | 6,268 |
| Noninterest expense to average assets | 1.9170% | 7,307 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.9422% | 384 |
| Return on assets (ROA) | 1.9820% | 392 |
| Pretax return on assets | 2.0226% | 580 |
| Return on Equity (ROE) | 17.3249% | 578 |
| Retained earnings to average equity (ytd only) | 8.4495% | 1,550 |
| Net charge-offs to loans | -0.1393% | 7,589 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1667% | 7,365 |
| Assets per employee ($millions) | 5.3903% | 1,775 |
| Cash dividends to net income (ytd only)* | 51.2295% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3307% | 619 |
| Loan loss allowance to noncurrent loans | 1,815.2174% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.0948% | 7,248 |
| Noncurrent loans to loans | 0.1835% | 6,971 |
| Net loans and leases to total assets | 49.9557% | 6,465 |
| Net loans and leases to deposits | 61.5648% | 6,317 |
| Net loans and leases to core deposits | 68.2484% | 6,072 |
| Total domestic deposits to total assets | 81.1432% | 5,403 |
| Equity capital to assets | 11.7968% | 2,168 |
| Core capital (leverage) ratio | 11.3073% | 2,028 |
| Tier 1 risk-based capital ratio | 17.1529% | 2,215 |
| Total risk-based capital ratio | 18.4190% | 2,163 |
| Memoranda: | ||
| Average total assets | $49,242,500 | 6,755 |
| Average earning assets | $47,055,000 | 6,665 |
| Average equity | $5,633,500 | 6,635 |
| Average total loans | $25,846,500 | 6,832 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5999% | 3,611 |
| Cost of funding earning assets | 1.7241% | 4,386 |
| Net interest margin | 3.8758% | 3,371 |
| Noninterest income to average assets | 0.2372% | 6,400 |
| Noninterest expense to average assets | 1.9941% | 7,377 |
| Loan and lease loss provision to assets | -0.0210% | 7,963 |
| Net operating income to assets | 1.9358% | 264 |
| Return on assets (ROA) | 1.9626% | 259 |
| Pretax return on assets | 2.0004% | 400 |
| Return on Equity (ROE) | 17.1076% | 450 |
| Retained earnings to average equity (ytd only) | 4.8853% | 1,877 |
| Net charge-offs to loans | 0.1234% | 5,951 |
| Credit loss provision to net charge-offs | -33.3333% | 7,365 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 743 |
| Efficiency ratio | 50.5319% | 7,507 |
| Assets per employee ($millions) | 5.5524% | 1,602 |
| Cash dividends to net income (ytd only)* | 71.4439% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1026% | 714 |
| 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 | 51.6229% | 6,463 |
| Net loans and leases to deposits | 62.8965% | 6,372 |
| Net loans and leases to core deposits | 80.5024% | 6,042 |
| Total domestic deposits to total assets | 82.0760% | 4,913 |
| Equity capital to assets | 11.0942% | 2,628 |
| Core capital (leverage) ratio | 11.0733% | 2,189 |
| Tier 1 risk-based capital ratio | 16.0419% | 2,504 |
| Total risk-based capital ratio | 17.3077% | 2,425 |
| Memoranda: | ||
| Average total assets | $47,641,200 | 6,806 |
| Average earning assets | $45,590,000 | 6,696 |
| Average equity | $5,465,400 | 6,785 |
| Average total loans | $24,320,400 | 6,951 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7943% | 2,922 |
| Cost of funding earning assets | 1.7858% | 4,445 |
| Net interest margin | 4.0085% | 2,779 |
| Noninterest income to average assets | 0.2522% | 6,426 |
| Noninterest expense to average assets | 1.9550% | 7,460 |
| Loan and lease loss provision to assets | -0.0283% | 8,047 |
| Net operating income to assets | 2.1337% | 217 |
| Return on assets (ROA) | 2.1448% | 232 |
| Pretax return on assets | 2.1845% | 369 |
| Return on Equity (ROE) | 18.5339% | 401 |
| Retained earnings to average equity (ytd only) | 6.3411% | 1,796 |
| Net charge-offs to loans | -0.0112% | 7,700 |
| Credit loss provision to net charge-offs | 500.0000% | 781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6849% | 7,677 |
| Assets per employee ($millions) | 5.2381% | 1,850 |
| Cash dividends to net income (ytd only)* | 65.7855% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4419% | 442 |
| Loan loss allowance to noncurrent loans | 2,681.2500% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.0679% | 7,390 |
| Noncurrent loans to loans | 0.1284% | 7,157 |
| Net loans and leases to total assets | 51.0574% | 6,697 |
| Net loans and leases to deposits | 63.3388% | 6,551 |
| Net loans and leases to core deposits | 83.0946% | 6,112 |
| Total domestic deposits to total assets | 80.6101% | 5,215 |
| Equity capital to assets | 12.0336% | 2,224 |
| Core capital (leverage) ratio | 11.3340% | 2,171 |
| Tier 1 risk-based capital ratio | 17.1918% | 2,221 |
| Total risk-based capital ratio | 18.4620% | 2,155 |
| Memoranda: | ||
| Average total assets | $47,058,500 | 6,870 |
| Average earning assets | $45,169,750 | 6,768 |
| Average equity | $5,445,750 | 6,861 |
| Average total loans | $23,744,750 | 7,049 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8818% | 2,667 |
| Cost of funding earning assets | 1.8614% | 4,460 |
| Net interest margin | 4.0204% | 2,614 |
| Noninterest income to average assets | 0.2637% | 6,386 |
| Noninterest expense to average assets | 1.9732% | 7,506 |
| Loan and lease loss provision to assets | -0.0425% | 8,151 |
| Net operating income to assets | 2.1436% | 218 |
| Return on assets (ROA) | 2.1561% | 234 |
| Pretax return on assets | 2.1943% | 365 |
| Return on Equity (ROE) | 18.8827% | 410 |
| Retained earnings to average equity (ytd only) | 6.5922% | 1,751 |
| Net charge-offs to loans | -0.0086% | 7,588 |
| Credit loss provision to net charge-offs | 1,000.0000% | 481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9835% | 7,759 |
| Assets per employee ($millions) | 5.1324% | 1,933 |
| Cash dividends to net income (ytd only)* | 65.0888% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6271% | 340 |
| Loan loss allowance to noncurrent loans | 669.5313% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.2771% | 6,782 |
| Noncurrent loans to loans | 0.5417% | 6,186 |
| Net loans and leases to total assets | 49.2964% | 6,931 |
| Net loans and leases to deposits | 61.3410% | 6,791 |
| Net loans and leases to core deposits | 79.5716% | 6,442 |
| Total domestic deposits to total assets | 80.3646% | 5,331 |
| Equity capital to assets | 11.8614% | 2,286 |
| Core capital (leverage) ratio | 11.2949% | 2,199 |
| Tier 1 risk-based capital ratio | 17.8000% | 2,071 |
| Total risk-based capital ratio | 19.0707% | 2,011 |
| Memoranda: | ||
| Average total assets | $47,030,330 | 6,940 |
| Average earning assets | $45,020,000 | 6,839 |
| Average equity | $5,370,000 | 6,937 |
| Average total loans | $23,350,330 | 7,125 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9754% | 2,462 |
| Cost of funding earning assets | 1.9033% | 4,615 |
| Net interest margin | 4.0721% | 2,399 |
| Noninterest income to average assets | 0.3203% | 5,884 |
| Noninterest expense to average assets | 1.8883% | 7,568 |
| Loan and lease loss provision to assets | -0.0843% | 8,201 |
| Net operating income to assets | 2.3525% | 171 |
| Return on assets (ROA) | 2.3773% | 194 |
| Pretax return on assets | 2.4194% | 290 |
| Return on Equity (ROE) | 21.2210% | 347 |
| Retained earnings to average equity (ytd only) | 11.4382% | 894 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9799% | 7,894 |
| Assets per employee ($millions) | 5.1566% | 1,885 |
| Cash dividends to net income (ytd only)* | 46.0993% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8141% | 256 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 46.5686% | 7,149 |
| Net loans and leases to deposits | 54.6309% | 7,244 |
| Net loans and leases to core deposits | 70.2144% | 7,008 |
| Total domestic deposits to total assets | 85.2421% | 3,094 |
| Equity capital to assets | 11.6314% | 2,494 |
| Core capital (leverage) ratio | 10.8537% | 2,614 |
| Tier 1 risk-based capital ratio | 18.1173% | 2,020 |
| Total risk-based capital ratio | 19.3888% | 1,969 |
| Memoranda: | ||
| Average total assets | $47,449,500 | 6,962 |
| Average earning assets | $45,185,000 | 6,873 |
| Average equity | $5,315,500 | 6,998 |
| Average total loans | $23,211,500 | 7,173 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2249% | 4,390 |
| Cost of funding earning assets | 2.3272% | 5,023 |
| Net interest margin | 3.8977% | 3,575 |
| Noninterest income to average assets | 0.3462% | 5,968 |
| Noninterest expense to average assets | 1.8672% | 7,667 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 2.1547% | 260 |
| Return on assets (ROA) | 2.5553% | 114 |
| Pretax return on assets | 2.5834% | 163 |
| Return on Equity (ROE) | 23.9739% | 172 |
| Retained earnings to average equity (ytd only) | 8.8506% | 630 |
| Net charge-offs to loans | -0.0986% | 8,090 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1497% | 7,923 |
| Assets per employee ($millions) | 5.3878% | 1,547 |
| Cash dividends to net income (ytd only)* | 63.0821% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6153% | 255 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 47.6139% | 7,214 |
| Net loans and leases to deposits | 55.6874% | 7,344 |
| Net loans and leases to core deposits | 69.1630% | 7,237 |
| Total domestic deposits to total assets | 85.5022% | 2,630 |
| Equity capital to assets | 10.7919% | 3,211 |
| Core capital (leverage) ratio | 10.6456% | 2,865 |
| Tier 1 risk-based capital ratio | 16.6495% | 2,436 |
| Total risk-based capital ratio | 17.9200% | 2,363 |
| Memoranda: | ||
| Average total assets | $46,218,400 | 6,927 |
| Average earning assets | $43,872,200 | 6,858 |
| Average equity | $4,926,200 | 7,172 |
| Average total loans | $23,327,400 | 7,121 |