Home > Community First Bank > Performance and Condition Ratios
Community First 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 | 3.1747% | 4,492 |
| Cost of funding earning assets | 0.6724% | 3,964 |
| Net interest margin | 2.5022% | 4,086 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 2.3900% | 2,623 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.1364% | 4,222 |
| Return on assets (ROA) | 0.1364% | 4,247 |
| Pretax return on assets | 0.1734% | 4,217 |
| Return on Equity (ROE) | 2.1900% | 4,135 |
| Retained earnings to average equity (ytd only) | -0.0257% | 4,086 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 93.2373% | 322 |
| Assets per employee ($millions) | 5.0619% | 3,595 |
| Cash dividends to net income (ytd only)* | 101.1765% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5443% | 4,305 |
| Loan loss allowance to noncurrent loans | 2,800.0000% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 3,715 |
| Noncurrent loans to loans | 0.0194% | 3,598 |
| Net loans and leases to total assets | 50.5400% | 3,567 |
| Net loans and leases to deposits | 54.2761% | 3,781 |
| Net loans and leases to core deposits | 56.3369% | 3,900 |
| Total domestic deposits to total assets | 93.1100% | 164 |
| Equity capital to assets | 6.7053% | 4,049 |
| Core capital (leverage) ratio | 8.4597% | 4,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4642% | 735 |
| Memoranda: | ||
| Average total assets | $62,300,600 | 4,185 |
| Average earning assets | $59,187,200 | 4,151 |
| Average equity | $3,886,200 | 4,364 |
| Average total loans | $29,878,600 | 4,137 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1269% | 4,505 |
| Cost of funding earning assets | 0.6249% | 3,931 |
| Net interest margin | 2.5020% | 4,143 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 2.3629% | 2,617 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.1616% | 4,274 |
| Return on assets (ROA) | 0.1616% | 4,287 |
| Pretax return on assets | 0.2020% | 4,260 |
| Return on Equity (ROE) | 2.6400% | 4,137 |
| Retained earnings to average equity (ytd only) | 2.6392% | 3,600 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 92.1227% | 314 |
| Assets per employee ($millions) | 4.7051% | 3,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5586% | 4,311 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 48.9000% | 3,691 |
| Net loans and leases to deposits | 52.2255% | 3,869 |
| Net loans and leases to core deposits | 54.1792% | 3,917 |
| Total domestic deposits to total assets | 93.6300% | 221 |
| Equity capital to assets | 6.2126% | 3,917 |
| Core capital (leverage) ratio | 8.5335% | 4,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5652% | 875 |
| Memoranda: | ||
| Average total assets | $62,690,000 | 4,202 |
| Average earning assets | $59,524,250 | 4,160 |
| Average equity | $3,839,500 | 4,381 |
| Average total loans | $29,631,750 | 4,162 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0437% | 4,541 |
| Cost of funding earning assets | 0.5601% | 3,855 |
| Net interest margin | 2.4837% | 4,223 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 2.3197% | 2,743 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.1836% | 4,299 |
| Return on assets (ROA) | 0.1836% | 4,322 |
| Pretax return on assets | 0.2279% | 4,290 |
| Return on Equity (ROE) | 3.0100% | 4,153 |
| Retained earnings to average equity (ytd only) | 3.0109% | 3,477 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 91.0559% | 328 |
| Assets per employee ($millions) | 5.3050% | 3,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5760% | 4,325 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 45.5500% | 3,817 |
| Net loans and leases to deposits | 48.5632% | 3,967 |
| Net loans and leases to core deposits | 50.3001% | 4,011 |
| Total domestic deposits to total assets | 93.8000% | 165 |
| Equity capital to assets | 6.0368% | 4,138 |
| Core capital (leverage) ratio | 8.2217% | 4,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6129% | 663 |
| Memoranda: | ||
| Average total assets | $63,198,000 | 4,217 |
| Average earning assets | $59,992,333 | 4,180 |
| Average equity | $3,852,667 | 4,405 |
| Average total loans | $29,483,667 | 4,171 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8949% | 4,581 |
| Cost of funding earning assets | 0.4691% | 3,780 |
| Net interest margin | 2.4258% | 4,368 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 2.3377% | 2,707 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.1207% | 4,416 |
| Return on assets (ROA) | 0.1207% | 4,389 |
| Pretax return on assets | 0.1588% | 4,374 |
| Return on Equity (ROE) | 1.9700% | 4,309 |
| Retained earnings to average equity (ytd only) | 1.9702% | 3,709 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 93.6387% | 270 |
| Assets per employee ($millions) | 5.3961% | 3,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5732% | 4,386 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 45.0000% | 3,825 |
| Net loans and leases to deposits | 48.0375% | 3,961 |
| Net loans and leases to core deposits | 49.7244% | 4,000 |
| Total domestic deposits to total assets | 93.6800% | 204 |
| Equity capital to assets | 6.1588% | 4,145 |
| Core capital (leverage) ratio | 8.2909% | 4,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3575% | 708 |
| Memoranda: | ||
| Average total assets | $62,967,000 | 4,279 |
| Average earning assets | $59,692,000 | 4,240 |
| Average equity | $3,857,500 | 4,466 |
| Average total loans | $29,641,500 | 4,230 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6475% | 4,437 |
| Cost of funding earning assets | 0.1690% | 4,006 |
| Net interest margin | 2.4785% | 4,307 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 2.3245% | 2,660 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.1717% | 4,465 |
| Return on assets (ROA) | 0.1717% | 4,447 |
| Pretax return on assets | 0.2146% | 4,434 |
| Return on Equity (ROE) | 2.6200% | 4,329 |
| Retained earnings to average equity (ytd only) | 0.4614% | 4,280 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 91.5466% | 270 |
| Assets per employee ($millions) | 4.7062% | 3,890 |
| Cash dividends to net income (ytd only)* | 82.4074% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5605% | 4,382 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 48.7200% | 3,610 |
| Net loans and leases to deposits | 51.9720% | 3,802 |
| Net loans and leases to core deposits | 52.6142% | 3,887 |
| Total domestic deposits to total assets | 93.7400% | 272 |
| Equity capital to assets | 6.0918% | 4,058 |
| Core capital (leverage) ratio | 8.3996% | 4,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8018% | 742 |
| Memoranda: | ||
| Average total assets | $62,895,600 | 4,311 |
| Average earning assets | $59,754,800 | 4,265 |
| Average equity | $4,118,200 | 4,523 |
| Average total loans | $29,548,200 | 4,246 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5641% | 4,415 |
| Cost of funding earning assets | 0.0996% | 4,288 |
| Net interest margin | 2.4645% | 4,242 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 2.3287% | 2,548 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.1642% | 4,501 |
| Return on assets (ROA) | 0.1642% | 4,472 |
| Pretax return on assets | 0.2042% | 4,458 |
| Return on Equity (ROE) | 2.4700% | 4,360 |
| Retained earnings to average equity (ytd only) | 2.4667% | 3,924 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 91.9368% | 277 |
| Assets per employee ($millions) | 4.8254% | 3,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5656% | 4,407 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 47.0800% | 3,697 |
| Net loans and leases to deposits | 50.0186% | 3,852 |
| Net loans and leases to core deposits | 50.0186% | 3,948 |
| Total domestic deposits to total assets | 94.1300% | 339 |
| Equity capital to assets | 5.7357% | 4,062 |
| Core capital (leverage) ratio | 8.3809% | 4,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7167% | 761 |
| Memoranda: | ||
| Average total assets | $63,324,250 | 4,336 |
| Average earning assets | $60,267,250 | 4,292 |
| Average equity | $4,216,000 | 4,558 |
| Average total loans | $29,441,500 | 4,276 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5099% | 4,363 |
| Cost of funding earning assets | 0.0429% | 4,634 |
| Net interest margin | 2.4670% | 4,136 |
| Noninterest income to average assets | 0.1889% | 4,060 |
| Noninterest expense to average assets | 2.3016% | 2,547 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1952% | 4,428 |
| Return on assets (ROA) | 0.1952% | 4,391 |
| Pretax return on assets | 0.2424% | 4,355 |
| Return on Equity (ROE) | 2.8042% | 4,244 |
| Retained earnings to average equity (ytd only) | 2.8042% | 3,510 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4703% | 385 |
| Assets per employee ($millions) | 4.9252% | 3,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5746% | 4,487 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 45.4012% | 3,743 |
| Net loans and leases to deposits | 48.5057% | 3,898 |
| Net loans and leases to core deposits | 48.5057% | 4,005 |
| Total domestic deposits to total assets | 93.5996% | 368 |
| Equity capital to assets | 6.2364% | 4,123 |
| Core capital (leverage) ratio | 8.1493% | 4,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3000% | 679 |
| Memoranda: | ||
| Average total assets | $63,522,333 | 4,380 |
| Average earning assets | $60,640,333 | 4,345 |
| Average equity | $4,422,000 | 4,577 |
| Average total loans | $29,354,667 | 4,328 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5764% | 4,165 |
| Cost of funding earning assets | 0.0199% | 4,736 |
| Net interest margin | 2.5565% | 3,770 |
| Noninterest income to average assets | 0.1960% | 3,985 |
| Noninterest expense to average assets | 2.3771% | 2,240 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2086% | 4,316 |
| Return on assets (ROA) | 0.2086% | 4,283 |
| Pretax return on assets | 0.2592% | 4,254 |
| Return on Equity (ROE) | 2.8470% | 4,127 |
| Retained earnings to average equity (ytd only) | 2.8470% | 3,315 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1679% | 540 |
| Assets per employee ($millions) | 4.9528% | 3,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5676% | 4,529 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 45.7111% | 3,608 |
| Net loans and leases to deposits | 49.1008% | 3,808 |
| Net loans and leases to core deposits | 49.1008% | 3,923 |
| Total domestic deposits to total assets | 93.0964% | 251 |
| Equity capital to assets | 6.7405% | 4,324 |
| Core capital (leverage) ratio | 8.1557% | 4,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0740% | 746 |
| Memoranda: | ||
| Average total assets | $63,270,000 | 4,402 |
| Average earning assets | $60,395,500 | 4,371 |
| Average equity | $4,636,500 | 4,600 |
| Average total loans | $29,413,500 | 4,341 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8736% | 4,099 |
| Cost of funding earning assets | 0.0263% | 4,767 |
| Net interest margin | 2.8474% | 3,566 |
| Noninterest income to average assets | 0.1903% | 4,213 |
| Noninterest expense to average assets | 2.6378% | 1,784 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.2053% | 4,530 |
| Return on assets (ROA) | 0.2053% | 4,548 |
| Pretax return on assets | 0.2655% | 4,520 |
| Return on Equity (ROE) | 2.4198% | 4,451 |
| Retained earnings to average equity (ytd only) | 0.6886% | 4,338 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8568% | 301 |
| Assets per employee ($millions) | 4.4395% | 4,160 |
| Cash dividends to net income (ytd only)* | 71.5447% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5782% | 4,556 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 46.7524% | 3,624 |
| Net loans and leases to deposits | 50.8888% | 3,821 |
| Net loans and leases to core deposits | 50.8888% | 3,976 |
| Total domestic deposits to total assets | 91.8717% | 216 |
| Equity capital to assets | 7.9369% | 4,395 |
| Core capital (leverage) ratio | 8.1738% | 4,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7955% | 678 |
| Memoranda: | ||
| Average total assets | $59,898,000 | 4,453 |
| Average earning assets | $57,070,600 | 4,427 |
| Average equity | $5,083,000 | 4,622 |
| Average total loans | $28,861,800 | 4,399 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8350% | 4,253 |
| Cost of funding earning assets | 0.0283% | 4,847 |
| Net interest margin | 2.8066% | 3,765 |
| Noninterest income to average assets | 0.2022% | 4,187 |
| Noninterest expense to average assets | 2.6628% | 1,681 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.1618% | 4,656 |
| Return on assets (ROA) | 0.1618% | 4,676 |
| Pretax return on assets | 0.2112% | 4,659 |
| Return on Equity (ROE) | 1.8748% | 4,610 |
| Retained earnings to average equity (ytd only) | 1.8748% | 4,224 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6505% | 256 |
| Assets per employee ($millions) | 4.7192% | 3,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5809% | 4,644 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 47.1434% | 3,698 |
| Net loans and leases to deposits | 51.5820% | 3,911 |
| Net loans and leases to core deposits | 51.5820% | 4,055 |
| Total domestic deposits to total assets | 91.3951% | 260 |
| Equity capital to assets | 8.3587% | 4,303 |
| Core capital (leverage) ratio | 8.7154% | 3,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3976% | 764 |
| Memoranda: | ||
| Average total assets | $59,334,250 | 4,516 |
| Average earning assets | $56,483,500 | 4,491 |
| Average equity | $5,120,500 | 4,687 |
| Average total loans | $28,770,500 | 4,457 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6359% | 4,518 |
| Cost of funding earning assets | 0.0323% | 4,875 |
| Net interest margin | 2.6036% | 4,161 |
| Noninterest income to average assets | 0.2148% | 4,120 |
| Noninterest expense to average assets | 2.6831% | 1,634 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.0034% | 4,770 |
| Return on assets (ROA) | 0.0034% | 4,779 |
| Pretax return on assets | 0.0034% | 4,780 |
| Return on Equity (ROE) | 0.0391% | 4,778 |
| Retained earnings to average equity (ytd only) | 0.0391% | 4,502 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.8731% | 167 |
| Assets per employee ($millions) | 4.2049% | 4,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5774% | 4,678 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 49.4360% | 3,614 |
| Net loans and leases to deposits | 54.4329% | 3,829 |
| Net loans and leases to core deposits | 54.4329% | 3,999 |
| Total domestic deposits to total assets | 90.8201% | 430 |
| Equity capital to assets | 8.6482% | 4,090 |
| Core capital (leverage) ratio | 8.5395% | 3,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4466% | 895 |
| Memoranda: | ||
| Average total assets | $58,662,667 | 4,553 |
| Average earning assets | $55,692,000 | 4,528 |
| Average equity | $5,118,000 | 4,713 |
| Average total loans | $28,663,667 | 4,492 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4908% | 4,649 |
| Cost of funding earning assets | 0.0360% | 4,905 |
| Net interest margin | 2.4548% | 4,361 |
| Noninterest income to average assets | 0.2459% | 3,922 |
| Noninterest expense to average assets | 2.6571% | 1,721 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.0546% | 4,792 |
| Return on assets (ROA) | -0.0546% | 4,798 |
| Pretax return on assets | -0.0820% | 4,809 |
| Return on Equity (ROE) | -0.6236% | 4,807 |
| Retained earnings to average equity (ytd only) | -0.6236% | 4,422 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.1830% | 160 |
| Assets per employee ($millions) | 4.6417% | 3,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5790% | 4,709 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 48.0909% | 3,807 |
| Net loans and leases to deposits | 52.6737% | 4,017 |
| Net loans and leases to core deposits | 52.6737% | 4,160 |
| Total domestic deposits to total assets | 91.2996% | 297 |
| Equity capital to assets | 8.4353% | 4,167 |
| Core capital (leverage) ratio | 8.6695% | 3,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4289% | 863 |
| Memoranda: | ||
| Average total assets | $58,560,000 | 4,574 |
| Average earning assets | $55,563,500 | 4,541 |
| Average equity | $5,131,500 | 4,736 |
| Average total loans | $28,360,000 | 4,527 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1254% | 4,536 |
| Cost of funding earning assets | 0.1183% | 4,819 |
| Net interest margin | 3.0071% | 3,866 |
| Noninterest income to average assets | 0.1885% | 4,346 |
| Noninterest expense to average assets | 2.8295% | 1,866 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.1556% | 4,620 |
| Return on assets (ROA) | 0.1556% | 4,670 |
| Pretax return on assets | 0.1977% | 4,653 |
| Return on Equity (ROE) | 1.6029% | 4,610 |
| Retained earnings to average equity (ytd only) | -2.4138% | 4,737 |
| Net charge-offs to loans | 0.0068% | 3,098 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 54.0000% | 1,132 |
| Efficiency ratio | 93.4704% | 283 |
| Assets per employee ($millions) | 4.3675% | 4,048 |
| Cash dividends to net income (ytd only)* | 250.5882% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6138% | 4,707 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 48.1930% | 3,960 |
| Net loans and leases to deposits | 53.1909% | 4,149 |
| Net loans and leases to core deposits | 53.1909% | 4,290 |
| Total domestic deposits to total assets | 90.6038% | 336 |
| Equity capital to assets | 9.1109% | 3,961 |
| Core capital (leverage) ratio | 9.0974% | 3,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6847% | 697 |
| Memoranda: | ||
| Average total assets | $54,639,200 | 4,594 |
| Average earning assets | $51,577,200 | 4,565 |
| Average equity | $5,302,800 | 4,717 |
| Average total loans | $29,204,600 | 4,533 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2082% | 4,580 |
| Cost of funding earning assets | 0.1411% | 4,820 |
| Net interest margin | 3.0671% | 3,819 |
| Noninterest income to average assets | 0.1971% | 4,298 |
| Noninterest expense to average assets | 2.8340% | 1,867 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.2045% | 4,583 |
| Return on assets (ROA) | 0.2045% | 4,626 |
| Pretax return on assets | 0.2563% | 4,598 |
| Return on Equity (ROE) | 2.0742% | 4,542 |
| Retained earnings to average equity (ytd only) | 0.6248% | 4,353 |
| Net charge-offs to loans | 0.0090% | 2,785 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 52.0000% | 1,171 |
| Efficiency ratio | 91.7065% | 322 |
| Assets per employee ($millions) | 3.8846% | 4,416 |
| Cash dividends to net income (ytd only)* | 69.8795% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5898% | 4,742 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 52.3739% | 3,941 |
| Net loans and leases to deposits | 58.2749% | 4,152 |
| Net loans and leases to core deposits | 58.9259% | 4,258 |
| Total domestic deposits to total assets | 89.8739% | 470 |
| Equity capital to assets | 9.8080% | 3,420 |
| Core capital (leverage) ratio | 9.8332% | 2,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8687% | 695 |
| Memoranda: | ||
| Average total assets | $54,104,500 | 4,620 |
| Average earning assets | $51,034,250 | 4,588 |
| Average equity | $5,335,250 | 4,735 |
| Average total loans | $29,622,750 | 4,546 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3090% | 4,638 |
| Cost of funding earning assets | 0.1727% | 4,826 |
| Net interest margin | 3.1363% | 3,822 |
| Noninterest income to average assets | 0.2000% | 4,274 |
| Noninterest expense to average assets | 2.8216% | 2,044 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.2666% | 4,470 |
| Return on assets (ROA) | 0.2666% | 4,512 |
| Pretax return on assets | 0.3370% | 4,488 |
| Return on Equity (ROE) | 2.6988% | 4,402 |
| Retained earnings to average equity (ytd only) | 2.4739% | 3,593 |
| Net charge-offs to loans | 0.0134% | 2,489 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 45.5000% | 1,166 |
| Efficiency ratio | 89.3318% | 406 |
| Assets per employee ($millions) | 4.0059% | 4,309 |
| Cash dividends to net income (ytd only)* | 8.3333% | 3,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5606% | 4,781 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 53.4539% | 3,921 |
| Net loans and leases to deposits | 59.3565% | 4,146 |
| Net loans and leases to core deposits | 59.9944% | 4,262 |
| Total domestic deposits to total assets | 90.0556% | 388 |
| Equity capital to assets | 9.6038% | 3,560 |
| Core capital (leverage) ratio | 9.5095% | 3,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0503% | 771 |
| Memoranda: | ||
| Average total assets | $54,011,333 | 4,637 |
| Average earning assets | $50,951,667 | 4,605 |
| Average equity | $5,335,667 | 4,764 |
| Average total loans | $29,946,333 | 4,563 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5264% | 4,607 |
| Cost of funding earning assets | 0.2234% | 4,831 |
| Net interest margin | 3.3030% | 3,588 |
| Noninterest income to average assets | 0.2114% | 4,281 |
| Noninterest expense to average assets | 2.9070% | 2,101 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3398% | 4,259 |
| Return on assets (ROA) | 0.3398% | 4,295 |
| Pretax return on assets | 0.4304% | 4,239 |
| Return on Equity (ROE) | 3.3895% | 4,119 |
| Retained earnings to average equity (ytd only) | 3.0129% | 3,081 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1041% | 624 |
| Assets per employee ($millions) | 3.4086% | 4,557 |
| Cash dividends to net income (ytd only)* | 11.1111% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5826% | 4,782 |
| Loan loss allowance to noncurrent loans | 8,550.0000% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 4,628 |
| Noncurrent loans to loans | 0.0068% | 4,548 |
| Net loans and leases to total assets | 53.5031% | 4,023 |
| Net loans and leases to deposits | 59.5660% | 4,214 |
| Net loans and leases to core deposits | 60.2237% | 4,347 |
| Total domestic deposits to total assets | 89.8216% | 381 |
| Equity capital to assets | 9.8135% | 3,949 |
| Core capital (leverage) ratio | 10.0168% | 3,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3959% | 706 |
| Memoranda: | ||
| Average total assets | $52,976,000 | 4,668 |
| Average earning assets | $50,135,500 | 4,638 |
| Average equity | $5,310,500 | 4,803 |
| Average total loans | $29,846,000 | 4,595 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7160% | 4,660 |
| Cost of funding earning assets | 0.2921% | 4,749 |
| Net interest margin | 3.4238% | 3,667 |
| Noninterest income to average assets | 0.2204% | 4,348 |
| Noninterest expense to average assets | 3.0409% | 1,907 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.3325% | 4,708 |
| Return on assets (ROA) | 0.3325% | 4,733 |
| Pretax return on assets | 0.4195% | 4,682 |
| Return on Equity (ROE) | 3.2417% | 4,619 |
| Retained earnings to average equity (ytd only) | -1.9224% | 4,869 |
| Net charge-offs to loans | 0.0224% | 2,964 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 1,549 |
| Efficiency ratio | 87.8771% | 445 |
| Assets per employee ($millions) | 3.2134% | 4,694 |
| Cash dividends to net income (ytd only)* | 159.3023% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5636% | 4,799 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 58.6813% | 3,701 |
| Net loans and leases to deposits | 65.7106% | 3,971 |
| Net loans and leases to core deposits | 66.4823% | 4,166 |
| Total domestic deposits to total assets | 89.3027% | 557 |
| Equity capital to assets | 10.2480% | 3,683 |
| Core capital (leverage) ratio | 10.3532% | 3,129 |
| Tier 1 risk-based capital ratio | 19.4855% | 1,413 |
| Total risk-based capital ratio | 20.1185% | 1,517 |
| Memoranda: | ||
| Average total assets | $51,727,800 | 4,724 |
| Average earning assets | $48,950,800 | 4,691 |
| Average equity | $5,305,800 | 4,848 |
| Average total loans | $31,232,800 | 4,614 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7245% | 4,754 |
| Cost of funding earning assets | 0.3020% | 4,794 |
| Net interest margin | 3.4225% | 3,803 |
| Noninterest income to average assets | 0.2239% | 4,392 |
| Noninterest expense to average assets | 3.0704% | 1,778 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.3088% | 4,828 |
| Return on assets (ROA) | 0.3088% | 4,848 |
| Pretax return on assets | 0.3912% | 4,818 |
| Return on Equity (ROE) | 3.0103% | 4,761 |
| Retained earnings to average equity (ytd only) | -2.8096% | 4,979 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6989% | 368 |
| Assets per employee ($millions) | 3.2551% | 4,700 |
| Cash dividends to net income (ytd only)* | 193.3313% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5723% | 4,867 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 63.3413% | 3,351 |
| Net loans and leases to deposits | 71.3376% | 3,658 |
| Net loans and leases to core deposits | 72.2222% | 3,937 |
| Total domestic deposits to total assets | 88.7908% | 691 |
| Equity capital to assets | 10.7566% | 3,329 |
| Core capital (leverage) ratio | 10.6105% | 3,003 |
| Tier 1 risk-based capital ratio | 18.7048% | 1,635 |
| Total risk-based capital ratio | 19.3385% | 1,750 |
| Memoranda: | ||
| Average total assets | $51,806,000 | 4,790 |
| Average earning assets | $49,007,250 | 4,759 |
| Average equity | $5,315,000 | 4,913 |
| Average total loans | $31,455,500 | 4,674 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6893% | 4,839 |
| Cost of funding earning assets | 0.2878% | 4,852 |
| Net interest margin | 3.4015% | 3,893 |
| Noninterest income to average assets | 0.2159% | 4,451 |
| Noninterest expense to average assets | 3.0228% | 1,947 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.3295% | 4,837 |
| Return on assets (ROA) | 0.3295% | 4,853 |
| Pretax return on assets | 0.4167% | 4,811 |
| Return on Equity (ROE) | 3.2609% | 4,732 |
| Retained earnings to average equity (ytd only) | 3.1484% | 3,645 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8855% | 446 |
| Assets per employee ($millions) | 3.0696% | 4,863 |
| Cash dividends to net income (ytd only)* | 3.4483% | 3,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5667% | 4,929 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 63.5868% | 3,387 |
| Net loans and leases to deposits | 72.0764% | 3,684 |
| Net loans and leases to core deposits | 72.9656% | 3,946 |
| Total domestic deposits to total assets | 88.2213% | 996 |
| Equity capital to assets | 11.0702% | 2,973 |
| Core capital (leverage) ratio | 10.3512% | 3,239 |
| Tier 1 risk-based capital ratio | 19.2545% | 1,494 |
| Total risk-based capital ratio | 19.8834% | 1,597 |
| Memoranda: | ||
| Average total assets | $52,799,330 | 4,807 |
| Average earning assets | $50,036,670 | 4,774 |
| Average equity | $5,336,000 | 4,944 |
| Average total loans | $31,572,330 | 4,706 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5195% | 5,030 |
| Cost of funding earning assets | 0.2161% | 5,083 |
| Net interest margin | 3.3034% | 4,151 |
| Noninterest income to average assets | 0.1977% | 4,576 |
| Noninterest expense to average assets | 2.9794% | 2,052 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.2782% | 4,924 |
| Return on assets (ROA) | 0.2782% | 4,937 |
| Pretax return on assets | 0.3514% | 4,901 |
| Return on Equity (ROE) | 2.8758% | 4,813 |
| Retained earnings to average equity (ytd only) | 2.6488% | 3,873 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4505% | 417 |
| Assets per employee ($millions) | 3.4298% | 4,624 |
| Cash dividends to net income (ytd only)* | 7.8947% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5625% | 4,998 |
| Loan loss allowance to noncurrent loans | 847.6190% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.0383% | 4,647 |
| Noncurrent loans to loans | 0.0664% | 4,463 |
| Net loans and leases to total assets | 57.3410% | 3,957 |
| Net loans and leases to deposits | 63.7565% | 4,195 |
| Net loans and leases to core deposits | 64.4433% | 4,358 |
| Total domestic deposits to total assets | 89.9375% | 471 |
| Equity capital to assets | 9.7145% | 4,080 |
| Core capital (leverage) ratio | 10.0478% | 3,551 |
| Tier 1 risk-based capital ratio | 18.8952% | 1,566 |
| Total risk-based capital ratio | 19.5179% | 1,679 |
| Memoranda: | ||
| Average total assets | $54,642,000 | 4,829 |
| Average earning assets | $51,826,000 | 4,799 |
| Average equity | $5,285,500 | 4,994 |
| Average total loans | $31,654,500 | 4,757 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3277% | 5,060 |
| Cost of funding earning assets | 0.1799% | 5,074 |
| Net interest margin | 3.1477% | 4,581 |
| Noninterest income to average assets | 0.2283% | 4,544 |
| Noninterest expense to average assets | 2.8756% | 2,434 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.2786% | 5,035 |
| Return on assets (ROA) | 0.2786% | 5,031 |
| Pretax return on assets | 0.3397% | 5,009 |
| Return on Equity (ROE) | 2.9580% | 4,905 |
| Retained earnings to average equity (ytd only) | -0.5534% | 5,046 |
| Net charge-offs to loans | -0.0062% | 4,398 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4354% | 371 |
| Assets per employee ($millions) | 3.2004% | 4,835 |
| Cash dividends to net income (ytd only)* | 118.7097% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5622% | 5,035 |
| Loan loss allowance to noncurrent loans | 847.6190% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.0386% | 4,653 |
| Noncurrent loans to loans | 0.0663% | 4,454 |
| Net loans and leases to total assets | 57.8712% | 3,981 |
| Net loans and leases to deposits | 64.3859% | 4,229 |
| Net loans and leases to core deposits | 65.0833% | 4,400 |
| Total domestic deposits to total assets | 89.8818% | 516 |
| Equity capital to assets | 9.6311% | 4,019 |
| Core capital (leverage) ratio | 9.7672% | 3,841 |
| Tier 1 risk-based capital ratio | 18.5842% | 1,601 |
| Total risk-based capital ratio | 19.2007% | 1,727 |
| Memoranda: | ||
| Average total assets | $55,640,200 | 4,842 |
| Average earning assets | $52,800,000 | 4,802 |
| Average equity | $5,240,000 | 5,012 |
| Average total loans | $32,062,200 | 4,767 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2620% | 5,156 |
| Cost of funding earning assets | 0.1657% | 5,164 |
| Net interest margin | 3.0962% | 4,711 |
| Noninterest income to average assets | 0.2335% | 4,577 |
| Noninterest expense to average assets | 2.8597% | 2,431 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.2478% | 5,156 |
| Return on assets (ROA) | 0.2478% | 5,149 |
| Pretax return on assets | 0.3122% | 5,124 |
| Return on Equity (ROE) | 2.6462% | 5,053 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,033 |
| Net charge-offs to loans | -0.0083% | 4,347 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1578% | 321 |
| Assets per employee ($millions) | 3.5487% | 4,495 |
| Cash dividends to net income (ytd only)* | 100.0000% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5488% | 5,127 |
| Loan loss allowance to noncurrent loans | 847.6190% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.0395% | 4,786 |
| Noncurrent loans to loans | 0.0647% | 4,591 |
| Net loans and leases to total assets | 60.6000% | 3,786 |
| Net loans and leases to deposits | 67.4332% | 4,097 |
| Net loans and leases to core deposits | 68.1771% | 4,288 |
| Total domestic deposits to total assets | 89.8668% | 553 |
| Equity capital to assets | 9.8101% | 3,811 |
| Core capital (leverage) ratio | 9.9202% | 3,718 |
| Tier 1 risk-based capital ratio | 18.3522% | 1,707 |
| Total risk-based capital ratio | 18.9577% | 1,826 |
| Memoranda: | ||
| Average total assets | $55,948,500 | 4,885 |
| Average earning assets | $53,095,250 | 4,855 |
| Average equity | $5,240,000 | 5,069 |
| Average total loans | $32,161,750 | 4,819 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1832% | 5,241 |
| Cost of funding earning assets | 0.1518% | 5,241 |
| Net interest margin | 3.0315% | 4,835 |
| Noninterest income to average assets | 0.2357% | 4,607 |
| Noninterest expense to average assets | 2.8283% | 2,582 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.2287% | 5,200 |
| Return on assets (ROA) | 0.2287% | 5,194 |
| Pretax return on assets | 0.2885% | 5,176 |
| Return on Equity (ROE) | 2.4781% | 5,102 |
| Retained earnings to average equity (ytd only) | -1.4868% | 5,114 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7449% | 344 |
| Assets per employee ($millions) | 3.4383% | 4,672 |
| Cash dividends to net income (ytd only)* | 160.0000% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5519% | 5,191 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 57.6492% | 4,028 |
| Net loans and leases to deposits | 63.8674% | 4,286 |
| Net loans and leases to core deposits | 65.1747% | 4,416 |
| Total domestic deposits to total assets | 90.2639% | 478 |
| Equity capital to assets | 9.4379% | 4,160 |
| Core capital (leverage) ratio | 9.4260% | 4,207 |
| Tier 1 risk-based capital ratio | 18.6339% | 1,643 |
| Total risk-based capital ratio | 19.2463% | 1,768 |
| Memoranda: | ||
| Average total assets | $56,854,330 | 4,922 |
| Average earning assets | $54,033,000 | 4,894 |
| Average equity | $5,246,000 | 5,122 |
| Average total loans | $32,070,330 | 4,871 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0791% | 5,329 |
| Cost of funding earning assets | 0.1237% | 5,378 |
| Net interest margin | 2.9554% | 4,947 |
| Noninterest income to average assets | 0.2492% | 4,514 |
| Noninterest expense to average assets | 2.7416% | 2,904 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2839% | 5,123 |
| Return on assets (ROA) | 0.2839% | 5,124 |
| Pretax return on assets | 0.3185% | 5,145 |
| Return on Equity (ROE) | 3.1102% | 4,997 |
| Retained earnings to average equity (ytd only) | -0.8344% | 4,897 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5928% | 461 |
| Assets per employee ($millions) | 3.9162% | 4,124 |
| Cash dividends to net income (ytd only)* | 126.8293% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5461% | 5,264 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 54.5682% | 4,237 |
| Net loans and leases to deposits | 60.1012% | 4,467 |
| Net loans and leases to core deposits | 61.2438% | 4,600 |
| Total domestic deposits to total assets | 90.7938% | 386 |
| Equity capital to assets | 8.9100% | 4,647 |
| Core capital (leverage) ratio | 9.5260% | 4,040 |
| Tier 1 risk-based capital ratio | 18.2645% | 1,756 |
| Total risk-based capital ratio | 18.8615% | 1,896 |
| Memoranda: | ||
| Average total assets | $57,775,500 | 4,967 |
| Average earning assets | $54,950,500 | 4,936 |
| Average equity | $5,273,000 | 5,174 |
| Average total loans | $32,160,500 | 4,915 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9844% | 5,367 |
| Cost of funding earning assets | 0.1358% | 5,338 |
| Net interest margin | 2.8485% | 5,110 |
| Noninterest income to average assets | 0.2497% | 4,640 |
| Noninterest expense to average assets | 2.6563% | 3,268 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3312% | 4,874 |
| Return on assets (ROA) | 0.3312% | 4,893 |
| Pretax return on assets | 0.3046% | 5,208 |
| Return on Equity (ROE) | 3.5401% | 4,672 |
| Retained earnings to average equity (ytd only) | 2.7260% | 3,683 |
| Net charge-offs to loans | 0.0096% | 3,751 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 57.3333% | 986 |
| Efficiency ratio | 89.7129% | 445 |
| Assets per employee ($millions) | 3.7872% | 4,298 |
| Cash dividends to net income (ytd only)* | 22.9947% | 3,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5485% | 5,326 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 56.1787% | 4,171 |
| Net loans and leases to deposits | 62.1960% | 4,429 |
| Net loans and leases to core deposits | 63.4246% | 4,571 |
| Total domestic deposits to total assets | 90.3253% | 456 |
| Equity capital to assets | 9.3508% | 4,377 |
| Core capital (leverage) ratio | 9.4654% | 4,091 |
| Tier 1 risk-based capital ratio | 18.2043% | 1,741 |
| Total risk-based capital ratio | 18.7997% | 1,883 |
| Memoranda: | ||
| Average total assets | $56,469,600 | 5,038 |
| Average earning assets | $53,747,000 | 5,003 |
| Average equity | $5,282,400 | 5,223 |
| Average total loans | $31,126,600 | 5,000 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9491% | 5,444 |
| Cost of funding earning assets | 0.1391% | 5,374 |
| Net interest margin | 2.8100% | 5,199 |
| Noninterest income to average assets | 0.2554% | 4,676 |
| Noninterest expense to average assets | 2.6342% | 3,301 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.2341% | 5,318 |
| Return on assets (ROA) | 0.2341% | 5,334 |
| Pretax return on assets | 0.2956% | 5,314 |
| Return on Equity (ROE) | 2.5024% | 5,226 |
| Retained earnings to average equity (ytd only) | 2.5024% | 4,397 |
| Net charge-offs to loans | 0.0130% | 3,276 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 41.6650% | 1,260 |
| Efficiency ratio | 89.9112% | 411 |
| Assets per employee ($millions) | 4.4292% | 3,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5576% | 5,396 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 54.5102% | 4,372 |
| Net loans and leases to deposits | 60.3631% | 4,621 |
| Net loans and leases to core deposits | 61.5383% | 4,740 |
| Total domestic deposits to total assets | 90.3039% | 375 |
| Equity capital to assets | 9.2636% | 4,671 |
| Core capital (leverage) ratio | 9.4414% | 4,238 |
| Tier 1 risk-based capital ratio | 18.2583% | 1,788 |
| Total risk-based capital ratio | 18.8606% | 1,912 |
| Memoranda: | ||
| Average total assets | $56,385,000 | 5,093 |
| Average earning assets | $53,664,250 | 5,057 |
| Average equity | $5,275,000 | 5,282 |
| Average total loans | $30,885,750 | 5,051 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9179% | 5,495 |
| Cost of funding earning assets | 0.1275% | 5,464 |
| Net interest margin | 2.7904% | 5,262 |
| Noninterest income to average assets | 0.2608% | 4,666 |
| Noninterest expense to average assets | 2.6221% | 3,361 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2358% | 5,341 |
| Return on assets (ROA) | 0.2358% | 5,361 |
| Pretax return on assets | 0.2965% | 5,345 |
| Return on Equity (ROE) | 2.5117% | 5,233 |
| Retained earnings to average equity (ytd only) | 2.5117% | 4,186 |
| Net charge-offs to loans | 0.0130% | 2,994 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 41.5000% | 1,218 |
| Efficiency ratio | 89.8409% | 465 |
| Assets per employee ($millions) | 4.0864% | 3,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5688% | 5,427 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 54.0832% | 4,381 |
| Net loans and leases to deposits | 59.9388% | 4,636 |
| Net loans and leases to core deposits | 60.5452% | 4,796 |
| Total domestic deposits to total assets | 90.2307% | 453 |
| Equity capital to assets | 9.2833% | 4,639 |
| Core capital (leverage) ratio | 9.2050% | 4,482 |
| Tier 1 risk-based capital ratio | 18.3736% | 1,755 |
| Total risk-based capital ratio | 18.9869% | 1,900 |
| Memoranda: | ||
| Average total assets | $55,986,670 | 5,137 |
| Average earning assets | $53,325,330 | 5,098 |
| Average equity | $5,255,330 | 5,322 |
| Average total loans | $30,660,000 | 5,092 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8943% | 5,546 |
| Cost of funding earning assets | 0.1061% | 5,632 |
| Net interest margin | 2.7882% | 5,266 |
| Noninterest income to average assets | 0.2817% | 4,535 |
| Noninterest expense to average assets | 2.6005% | 3,504 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2745% | 5,253 |
| Return on assets (ROA) | 0.2745% | 5,267 |
| Pretax return on assets | 0.3395% | 5,249 |
| Return on Equity (ROE) | 2.9077% | 5,129 |
| Retained earnings to average equity (ytd only) | 2.9077% | 3,963 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4521% | 638 |
| Assets per employee ($millions) | 3.6020% | 4,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5963% | 5,483 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 51.7785% | 4,537 |
| Net loans and leases to deposits | 57.2654% | 4,747 |
| Net loans and leases to core deposits | 57.8381% | 4,888 |
| Total domestic deposits to total assets | 90.4185% | 504 |
| Equity capital to assets | 9.1286% | 4,683 |
| Core capital (leverage) ratio | 9.5294% | 4,086 |
| Tier 1 risk-based capital ratio | 18.7602% | 1,678 |
| Total risk-based capital ratio | 19.3968% | 1,791 |
| Memoranda: | ||
| Average total assets | $55,375,000 | 5,205 |
| Average earning assets | $52,793,000 | 5,160 |
| Average equity | $5,227,500 | 5,374 |
| Average total loans | $30,431,000 | 5,143 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0053% | 5,498 |
| Cost of funding earning assets | 0.1046% | 5,683 |
| Net interest margin | 2.9007% | 5,138 |
| Noninterest income to average assets | 0.3959% | 3,919 |
| Noninterest expense to average assets | 2.8011% | 3,019 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.2683% | 5,287 |
| Return on assets (ROA) | 0.2683% | 5,353 |
| Pretax return on assets | 0.3645% | 5,274 |
| Return on Equity (ROE) | 2.7518% | 5,227 |
| Retained earnings to average equity (ytd only) | 1.3095% | 4,758 |
| Net charge-offs to loans | 0.0190% | 3,677 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 32.8333% | 1,354 |
| Efficiency ratio | 88.4863% | 641 |
| Assets per employee ($millions) | 3.5412% | 4,697 |
| Cash dividends to net income (ytd only)* | 52.4138% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5804% | 5,565 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 57.7262% | 4,095 |
| Net loans and leases to deposits | 64.3059% | 4,386 |
| Net loans and leases to core deposits | 65.0081% | 4,579 |
| Total domestic deposits to total assets | 89.7681% | 739 |
| Equity capital to assets | 9.7782% | 3,973 |
| Core capital (leverage) ratio | 9.4514% | 4,155 |
| Tier 1 risk-based capital ratio | 18.4857% | 1,733 |
| Total risk-based capital ratio | 19.1175% | 1,845 |
| Memoranda: | ||
| Average total assets | $54,050,800 | 5,263 |
| Average earning assets | $51,608,400 | 5,218 |
| Average equity | $5,269,200 | 5,416 |
| Average total loans | $31,546,600 | 5,149 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0025% | 5,564 |
| Cost of funding earning assets | 0.0977% | 5,780 |
| Net interest margin | 2.9049% | 5,183 |
| Noninterest income to average assets | 0.4421% | 3,612 |
| Noninterest expense to average assets | 2.8049% | 2,993 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3095% | 5,267 |
| Return on assets (ROA) | 0.3095% | 5,354 |
| Pretax return on assets | 0.4126% | 5,283 |
| Return on Equity (ROE) | 3.1770% | 5,178 |
| Retained earnings to average equity (ytd only) | 3.1265% | 4,042 |
| Net charge-offs to loans | 0.0210% | 3,272 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 33.5817% | 1,387 |
| Efficiency ratio | 87.1756% | 726 |
| Assets per employee ($millions) | 3.2080% | 5,168 |
| Cash dividends to net income (ytd only)* | 1.5893% | 3,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5762% | 5,636 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 56.9532% | 4,201 |
| Net loans and leases to deposits | 63.6280% | 4,510 |
| Net loans and leases to core deposits | 64.3051% | 4,712 |
| Total domestic deposits to total assets | 89.5097% | 668 |
| Equity capital to assets | 9.9072% | 4,229 |
| Core capital (leverage) ratio | 9.7065% | 3,932 |
| Tier 1 risk-based capital ratio | 18.5723% | 1,773 |
| Total risk-based capital ratio | 19.2040% | 1,900 |
| Memoranda: | ||
| Average total assets | $54,284,000 | 5,307 |
| Average earning assets | $51,865,750 | 5,260 |
| Average equity | $5,288,000 | 5,471 |
| Average total loans | $31,722,750 | 5,193 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9270% | 5,709 |
| Cost of funding earning assets | 0.0927% | 5,882 |
| Net interest margin | 2.8343% | 5,374 |
| Noninterest income to average assets | 0.2694% | 4,855 |
| Noninterest expense to average assets | 2.7528% | 3,184 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1734% | 5,576 |
| Return on assets (ROA) | 0.1734% | 5,628 |
| Pretax return on assets | 0.2251% | 5,586 |
| Return on Equity (ROE) | 1.7906% | 5,557 |
| Retained earnings to average equity (ytd only) | 1.7144% | 4,703 |
| Net charge-offs to loans | 0.0314% | 2,840 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 12.2000% | 2,199 |
| Efficiency ratio | 92.4411% | 478 |
| Assets per employee ($millions) | 3.0772% | 5,345 |
| Cash dividends to net income (ytd only)* | 4.2553% | 3,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5648% | 5,726 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 60.5815% | 3,809 |
| Net loans and leases to deposits | 67.8354% | 4,195 |
| Net loans and leases to core deposits | 68.5885% | 4,430 |
| Total domestic deposits to total assets | 89.3067% | 758 |
| Equity capital to assets | 10.1581% | 4,015 |
| Core capital (leverage) ratio | 9.5565% | 4,123 |
| Tier 1 risk-based capital ratio | 18.0794% | 1,911 |
| Total risk-based capital ratio | 18.7036% | 2,047 |
| Memoranda: | ||
| Average total assets | $54,200,000 | 5,368 |
| Average earning assets | $51,794,000 | 5,317 |
| Average equity | $5,249,670 | 5,534 |
| Average total loans | $31,883,670 | 5,233 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8681% | 5,812 |
| Cost of funding earning assets | 0.0910% | 5,948 |
| Net interest margin | 2.7770% | 5,508 |
| Noninterest income to average assets | 0.2756% | 4,753 |
| Noninterest expense to average assets | 2.6476% | 3,584 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2176% | 5,493 |
| Return on assets (ROA) | 0.2176% | 5,554 |
| Pretax return on assets | 0.2829% | 5,542 |
| Return on Equity (ROE) | 2.3000% | 5,430 |
| Retained earnings to average equity (ytd only) | 2.1466% | 4,401 |
| Net charge-offs to loans | 0.0251% | 2,430 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 19.5000% | 1,502 |
| Efficiency ratio | 90.3465% | 656 |
| Assets per employee ($millions) | 3.3043% | 5,118 |
| Cash dividends to net income (ytd only)* | 6.6667% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5834% | 5,766 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 55.5160% | 4,305 |
| Net loans and leases to deposits | 61.5891% | 4,609 |
| Net loans and leases to core deposits | 62.2182% | 4,808 |
| Total domestic deposits to total assets | 90.1394% | 543 |
| Equity capital to assets | 9.3871% | 4,785 |
| Core capital (leverage) ratio | 9.6899% | 3,927 |
| Tier 1 risk-based capital ratio | 17.8483% | 2,028 |
| Total risk-based capital ratio | 18.4769% | 2,171 |
| Memoranda: | ||
| Average total assets | $55,143,500 | 5,400 |
| Average earning assets | $52,718,500 | 5,347 |
| Average equity | $5,217,500 | 5,579 |
| Average total loans | $31,889,500 | 5,273 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8863% | 5,822 |
| Cost of funding earning assets | 0.0767% | 6,046 |
| Net interest margin | 2.8096% | 5,493 |
| Noninterest income to average assets | 0.2760% | 4,911 |
| Noninterest expense to average assets | 2.7149% | 3,531 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1896% | 5,602 |
| Return on assets (ROA) | 0.1896% | 5,652 |
| Pretax return on assets | 0.2422% | 5,625 |
| Return on Equity (ROE) | 1.9494% | 5,580 |
| Retained earnings to average equity (ytd only) | 1.0423% | 5,102 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8095% | 580 |
| Assets per employee ($millions) | 3.3821% | 5,016 |
| Cash dividends to net income (ytd only)* | 46.5347% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5708% | 5,835 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 59.5521% | 3,895 |
| Net loans and leases to deposits | 66.1399% | 4,306 |
| Net loans and leases to core deposits | 66.8409% | 4,523 |
| Total domestic deposits to total assets | 90.0395% | 616 |
| Equity capital to assets | 9.5391% | 4,510 |
| Core capital (leverage) ratio | 9.4207% | 4,288 |
| Tier 1 risk-based capital ratio | 17.3528% | 2,162 |
| Total risk-based capital ratio | 17.9739% | 2,334 |
| Memoranda: | ||
| Average total assets | $53,261,400 | 5,478 |
| Average earning assets | $50,826,200 | 5,415 |
| Average equity | $5,181,000 | 5,616 |
| Average total loans | $31,928,600 | 5,297 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8677% | 5,919 |
| Cost of funding earning assets | 0.0764% | 6,133 |
| Net interest margin | 2.7913% | 5,596 |
| Noninterest income to average assets | 0.2765% | 4,966 |
| Noninterest expense to average assets | 2.7496% | 3,385 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1483% | 5,776 |
| Return on assets (ROA) | 0.1483% | 5,826 |
| Pretax return on assets | 0.1910% | 5,805 |
| Return on Equity (ROE) | 1.5168% | 5,776 |
| Retained earnings to average equity (ytd only) | 1.4141% | 5,156 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5043% | 502 |
| Assets per employee ($millions) | 3.5479% | 4,702 |
| Cash dividends to net income (ytd only)* | 6.7760% | 3,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5830% | 5,922 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 59.2815% | 3,969 |
| Net loans and leases to deposits | 66.1252% | 4,375 |
| Net loans and leases to core deposits | 67.2185% | 4,609 |
| Total domestic deposits to total assets | 89.6503% | 711 |
| Equity capital to assets | 9.8198% | 4,370 |
| Core capital (leverage) ratio | 9.6685% | 4,081 |
| Tier 1 risk-based capital ratio | 17.3690% | 2,230 |
| Total risk-based capital ratio | 17.9906% | 2,418 |
| Memoranda: | ||
| Average total assets | $53,048,250 | 5,551 |
| Average earning assets | $50,632,000 | 5,489 |
| Average equity | $5,185,750 | 5,676 |
| Average total loans | $31,808,000 | 5,361 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8404% | 5,990 |
| Cost of funding earning assets | 0.0712% | 6,221 |
| Net interest margin | 2.7692% | 5,675 |
| Noninterest income to average assets | 0.2755% | 4,979 |
| Noninterest expense to average assets | 2.7137% | 3,548 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1585% | 5,792 |
| Return on assets (ROA) | 0.1585% | 5,842 |
| Pretax return on assets | 0.2038% | 5,810 |
| Return on Equity (ROE) | 1.6240% | 5,771 |
| Retained earnings to average equity (ytd only) | 1.4694% | 4,965 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0142% | 577 |
| Assets per employee ($millions) | 3.0538% | 5,525 |
| Cash dividends to net income (ytd only)* | 9.5238% | 3,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5828% | 5,998 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 60.7928% | 3,720 |
| Net loans and leases to deposits | 67.8462% | 4,149 |
| Net loans and leases to core deposits | 68.9957% | 4,415 |
| Total domestic deposits to total assets | 89.6040% | 841 |
| Equity capital to assets | 9.9665% | 4,080 |
| Core capital (leverage) ratio | 9.7995% | 3,867 |
| Tier 1 risk-based capital ratio | 17.5986% | 2,187 |
| Total risk-based capital ratio | 18.2306% | 2,362 |
| Memoranda: | ||
| Average total assets | $52,991,330 | 5,614 |
| Average earning assets | $50,557,000 | 5,549 |
| Average equity | $5,172,330 | 5,735 |
| Average total loans | $31,832,670 | 5,403 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7955% | 6,074 |
| Cost of funding earning assets | 0.0783% | 6,274 |
| Net interest margin | 2.7171% | 5,777 |
| Noninterest income to average assets | 0.2765% | 4,965 |
| Noninterest expense to average assets | 2.5929% | 3,964 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2167% | 5,640 |
| Return on assets (ROA) | 0.2167% | 5,731 |
| Pretax return on assets | 0.2765% | 5,695 |
| Return on Equity (ROE) | 2.2431% | 5,626 |
| Retained earnings to average equity (ytd only) | 2.2431% | 4,562 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3646% | 827 |
| Assets per employee ($millions) | 3.4073% | 5,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5821% | 6,083 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 57.9628% | 3,947 |
| Net loans and leases to deposits | 64.3931% | 4,329 |
| Net loans and leases to core deposits | 65.4251% | 4,577 |
| Total domestic deposits to total assets | 90.0139% | 741 |
| Equity capital to assets | 9.5550% | 4,686 |
| Core capital (leverage) ratio | 9.8370% | 3,841 |
| Tier 1 risk-based capital ratio | 17.5017% | 2,299 |
| Total risk-based capital ratio | 18.1271% | 2,479 |
| Memoranda: | ||
| Average total assets | $53,530,000 | 5,651 |
| Average earning assets | $51,083,000 | 5,585 |
| Average equity | $5,171,500 | 5,789 |
| Average total loans | $31,876,500 | 5,442 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8899% | 6,147 |
| Cost of funding earning assets | 0.0806% | 6,368 |
| Net interest margin | 2.8093% | 5,790 |
| Noninterest income to average assets | 0.2880% | 5,060 |
| Noninterest expense to average assets | 2.7244% | 3,771 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1758% | 5,814 |
| Return on assets (ROA) | 0.1758% | 5,859 |
| Pretax return on assets | 0.2356% | 5,814 |
| Return on Equity (ROE) | 1.8370% | 5,809 |
| Retained earnings to average equity (ytd only) | 0.9771% | 5,336 |
| Net charge-offs to loans | 0.0156% | 4,568 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 25.2000% | 1,505 |
| Efficiency ratio | 92.0404% | 699 |
| Assets per employee ($millions) | 3.2840% | 5,283 |
| Cash dividends to net income (ytd only)* | 46.8085% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5787% | 6,169 |
| Loan loss allowance to noncurrent loans | 18,500.0000% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 6,093 |
| Noncurrent loans to loans | 0.0031% | 5,920 |
| Net loans and leases to total assets | 60.4903% | 3,721 |
| Net loans and leases to deposits | 67.3319% | 4,190 |
| Net loans and leases to core deposits | 68.4528% | 4,456 |
| Total domestic deposits to total assets | 89.8390% | 805 |
| Equity capital to assets | 9.7709% | 4,393 |
| Core capital (leverage) ratio | 9.6558% | 4,027 |
| Tier 1 risk-based capital ratio | 17.7588% | 2,216 |
| Total risk-based capital ratio | 18.4012% | 2,407 |
| Memoranda: | ||
| Average total assets | $53,478,800 | 5,710 |
| Average earning assets | $50,866,800 | 5,649 |
| Average equity | $5,117,000 | 5,826 |
| Average total loans | $32,137,600 | 5,481 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8785% | 6,225 |
| Cost of funding earning assets | 0.0784% | 6,460 |
| Net interest margin | 2.8001% | 5,867 |
| Noninterest income to average assets | 0.2979% | 5,074 |
| Noninterest expense to average assets | 2.6983% | 3,831 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1936% | 5,860 |
| Return on assets (ROA) | 0.1936% | 5,911 |
| Pretax return on assets | 0.2606% | 5,845 |
| Return on Equity (ROE) | 2.0341% | 5,832 |
| Retained earnings to average equity (ytd only) | 2.0341% | 5,035 |
| Net charge-offs to loans | 0.0041% | 4,559 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 105.2632% | 564 |
| Efficiency ratio | 91.1913% | 757 |
| Assets per employee ($millions) | 3.2633% | 5,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5904% | 6,237 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 60.9523% | 3,640 |
| Net loans and leases to deposits | 67.9470% | 4,132 |
| Net loans and leases to core deposits | 69.0857% | 4,409 |
| Total domestic deposits to total assets | 89.7056% | 873 |
| Equity capital to assets | 9.8711% | 4,330 |
| Core capital (leverage) ratio | 9.5324% | 4,326 |
| Tier 1 risk-based capital ratio | 17.8261% | 2,265 |
| Total risk-based capital ratio | 18.4812% | 2,471 |
| Memoranda: | ||
| Average total assets | $53,712,500 | 5,762 |
| Average earning assets | $51,043,750 | 5,703 |
| Average equity | $5,112,750 | 5,893 |
| Average total loans | $32,179,750 | 5,533 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8653% | 6,283 |
| Cost of funding earning assets | 0.0816% | 6,521 |
| Net interest margin | 2.7837% | 5,939 |
| Noninterest income to average assets | 0.3025% | 4,986 |
| Noninterest expense to average assets | 2.6747% | 3,960 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1992% | 5,842 |
| Return on assets (ROA) | 0.1992% | 5,898 |
| Pretax return on assets | 0.2693% | 5,841 |
| Return on Equity (ROE) | 2.1181% | 5,812 |
| Retained earnings to average equity (ytd only) | 2.1181% | 4,836 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8521% | 843 |
| Assets per employee ($millions) | 3.1691% | 5,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5997% | 6,315 |
| Loan loss allowance to noncurrent loans | 6,333.3333% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 6,246 |
| Noncurrent loans to loans | 0.0095% | 6,064 |
| Net loans and leases to total assets | 58.4557% | 3,929 |
| Net loans and leases to deposits | 64.9220% | 4,384 |
| Net loans and leases to core deposits | 65.9705% | 4,645 |
| Total domestic deposits to total assets | 90.0399% | 788 |
| Equity capital to assets | 9.5425% | 4,697 |
| Core capital (leverage) ratio | 9.2318% | 4,693 |
| Tier 1 risk-based capital ratio | 17.8241% | 2,302 |
| Total risk-based capital ratio | 18.4858% | 2,483 |
| Memoranda: | ||
| Average total assets | $54,212,330 | 5,804 |
| Average earning assets | $51,442,330 | 5,744 |
| Average equity | $5,099,000 | 5,936 |
| Average total loans | $32,235,000 | 5,564 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8787% | 6,341 |
| Cost of funding earning assets | 0.0698% | 6,626 |
| Net interest margin | 2.8089% | 5,917 |
| Noninterest income to average assets | 0.3089% | 4,894 |
| Noninterest expense to average assets | 2.6774% | 4,007 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2060% | 5,782 |
| Return on assets (ROA) | 0.2060% | 5,837 |
| Pretax return on assets | 0.2942% | 5,732 |
| Return on Equity (ROE) | 2.2056% | 5,732 |
| Retained earnings to average equity (ytd only) | 2.2056% | 4,721 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0990% | 1,030 |
| Assets per employee ($millions) | 3.7437% | 4,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5888% | 6,423 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 57.1248% | 3,979 |
| Net loans and leases to deposits | 63.0607% | 4,425 |
| Net loans and leases to core deposits | 64.0299% | 4,689 |
| Total domestic deposits to total assets | 90.5869% | 751 |
| Equity capital to assets | 9.0676% | 5,034 |
| Core capital (leverage) ratio | 9.3373% | 4,516 |
| Tier 1 risk-based capital ratio | 17.1992% | 2,600 |
| Total risk-based capital ratio | 17.8410% | 2,824 |
| Memoranda: | ||
| Average total assets | $54,381,000 | 5,858 |
| Average earning assets | $51,550,500 | 5,798 |
| Average equity | $5,078,000 | 5,976 |
| Average total loans | $32,511,000 | 5,611 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8636% | 6,457 |
| Cost of funding earning assets | 0.1054% | 6,661 |
| Net interest margin | 2.7582% | 6,049 |
| Noninterest income to average assets | 0.2739% | 5,396 |
| Noninterest expense to average assets | 2.6571% | 4,254 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1918% | 5,845 |
| Return on assets (ROA) | 0.1918% | 5,910 |
| Pretax return on assets | 0.2447% | 5,854 |
| Return on Equity (ROE) | 2.0758% | 5,815 |
| Retained earnings to average equity (ytd only) | 1.2257% | 5,279 |
| Net charge-offs to loans | -0.0062% | 5,950 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5670% | 904 |
| Assets per employee ($millions) | 3.0945% | 5,682 |
| Cash dividends to net income (ytd only)* | 40.9524% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5801% | 6,498 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 61.8998% | 3,382 |
| Net loans and leases to deposits | 68.7215% | 3,950 |
| Net loans and leases to core deposits | 69.8552% | 4,297 |
| Total domestic deposits to total assets | 90.0734% | 1,037 |
| Equity capital to assets | 9.6263% | 4,248 |
| Core capital (leverage) ratio | 9.0683% | 4,906 |
| Tier 1 risk-based capital ratio | 17.3664% | 2,468 |
| Total risk-based capital ratio | 18.0181% | 2,683 |
| Memoranda: | ||
| Average total assets | $54,758,800 | 5,897 |
| Average earning assets | $52,172,400 | 5,830 |
| Average equity | $5,058,200 | 6,048 |
| Average total loans | $32,434,000 | 5,649 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8269% | 6,558 |
| Cost of funding earning assets | 0.1111% | 6,742 |
| Net interest margin | 2.7159% | 6,151 |
| Noninterest income to average assets | 0.2749% | 5,477 |
| Noninterest expense to average assets | 2.6137% | 4,341 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1760% | 5,975 |
| Return on assets (ROA) | 0.1760% | 6,046 |
| Pretax return on assets | 0.2556% | 5,962 |
| Return on Equity (ROE) | 1.9248% | 5,964 |
| Retained earnings to average equity (ytd only) | 1.8985% | 5,179 |
| Net charge-offs to loans | -0.0083% | 5,853 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0924% | 913 |
| Assets per employee ($millions) | 3.2875% | 5,305 |
| Cash dividends to net income (ytd only)* | 1.3665% | 3,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5840% | 6,583 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 57.8765% | 4,029 |
| Net loans and leases to deposits | 63.8959% | 4,530 |
| Net loans and leases to core deposits | 64.8802% | 4,811 |
| Total domestic deposits to total assets | 90.5794% | 713 |
| Equity capital to assets | 9.0807% | 5,082 |
| Core capital (leverage) ratio | 9.1041% | 4,963 |
| Tier 1 risk-based capital ratio | 17.0725% | 2,680 |
| Total risk-based capital ratio | 17.7116% | 2,923 |
| Memoranda: | ||
| Average total assets | $55,297,000 | 5,958 |
| Average earning assets | $52,824,250 | 5,871 |
| Average equity | $5,056,750 | 6,123 |
| Average total loans | $32,354,250 | 5,708 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8190% | 6,599 |
| Cost of funding earning assets | 0.1216% | 6,776 |
| Net interest margin | 2.6974% | 6,179 |
| Noninterest income to average assets | 0.2795% | 5,453 |
| Noninterest expense to average assets | 2.5880% | 4,431 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1851% | 5,945 |
| Return on assets (ROA) | 0.1851% | 6,059 |
| Pretax return on assets | 0.2686% | 5,956 |
| Return on Equity (ROE) | 2.0195% | 5,951 |
| Retained earnings to average equity (ytd only) | 1.9799% | 5,015 |
| Net charge-offs to loans | -0.0124% | 5,821 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5972% | 1,018 |
| Assets per employee ($millions) | 3.2202% | 5,430 |
| Cash dividends to net income (ytd only)* | 1.9608% | 3,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5904% | 6,627 |
| Loan loss allowance to noncurrent loans | 404.2553% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.0859% | 6,243 |
| Noncurrent loans to loans | 0.1461% | 5,960 |
| Net loans and leases to total assets | 58.4367% | 3,919 |
| Net loans and leases to deposits | 64.5624% | 4,428 |
| Net loans and leases to core deposits | 65.5775% | 4,732 |
| Total domestic deposits to total assets | 90.5120% | 750 |
| Equity capital to assets | 9.2085% | 4,982 |
| Core capital (leverage) ratio | 8.9210% | 5,113 |
| Tier 1 risk-based capital ratio | 17.3665% | 2,567 |
| Total risk-based capital ratio | 18.0194% | 2,781 |
| Memoranda: | ||
| Average total assets | $55,100,000 | 5,997 |
| Average earning assets | $52,643,330 | 5,917 |
| Average equity | $5,050,670 | 6,167 |
| Average total loans | $32,293,670 | 5,743 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7985% | 6,677 |
| Cost of funding earning assets | 0.1289% | 6,841 |
| Net interest margin | 2.6695% | 6,271 |
| Noninterest income to average assets | 0.2822% | 5,444 |
| Noninterest expense to average assets | 2.6412% | 4,271 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1302% | 6,092 |
| Return on assets (ROA) | 0.1302% | 6,183 |
| Pretax return on assets | 0.1881% | 6,101 |
| Return on Equity (ROE) | 1.4242% | 6,111 |
| Retained earnings to average equity (ytd only) | 1.3451% | 5,314 |
| Net charge-offs to loans | -0.0247% | 5,818 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3504% | 886 |
| Assets per employee ($millions) | 3.4319% | 5,133 |
| Cash dividends to net income (ytd only)* | 5.5556% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5923% | 6,715 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 54.6544% | 4,305 |
| Net loans and leases to deposits | 60.0271% | 4,792 |
| Net loans and leases to core deposits | 61.1999% | 5,028 |
| Total domestic deposits to total assets | 91.0495% | 504 |
| Equity capital to assets | 8.6728% | 5,837 |
| Core capital (leverage) ratio | 9.0628% | 4,784 |
| Tier 1 risk-based capital ratio | 16.8739% | 2,818 |
| Total risk-based capital ratio | 17.5126% | 3,078 |
| Memoranda: | ||
| Average total assets | $55,278,500 | 6,039 |
| Average earning assets | $52,743,000 | 5,957 |
| Average equity | $5,055,500 | 6,231 |
| Average total loans | $32,350,500 | 5,781 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1423% | 6,693 |
| Cost of funding earning assets | 0.2024% | 6,829 |
| Net interest margin | 2.9399% | 6,154 |
| Noninterest income to average assets | 0.3309% | 5,086 |
| Noninterest expense to average assets | 2.6827% | 4,464 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2898% | 5,505 |
| Return on assets (ROA) | 0.2898% | 5,714 |
| Pretax return on assets | 0.4449% | 5,442 |
| Return on Equity (ROE) | 3.0536% | 5,536 |
| Retained earnings to average equity (ytd only) | 0.5713% | 5,566 |
| Net charge-offs to loans | 0.0246% | 5,555 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 29.7500% | 1,019 |
| Efficiency ratio | 85.7741% | 1,450 |
| Assets per employee ($millions) | 3.0714% | 5,901 |
| Cash dividends to net income (ytd only)* | 81.2903% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5763% | 6,788 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 62.1213% | 3,231 |
| Net loans and leases to deposits | 69.0495% | 3,831 |
| Net loans and leases to core deposits | 71.7658% | 4,070 |
| Total domestic deposits to total assets | 89.9663% | 969 |
| Equity capital to assets | 9.6737% | 4,629 |
| Core capital (leverage) ratio | 9.0954% | 4,744 |
| Tier 1 risk-based capital ratio | 17.3691% | 2,497 |
| Total risk-based capital ratio | 18.0218% | 2,726 |
| Memoranda: | ||
| Average total assets | $53,490,600 | 6,105 |
| Average earning assets | $50,886,200 | 6,015 |
| Average equity | $5,076,000 | 6,269 |
| Average total loans | $32,530,400 | 5,824 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1544% | 6,822 |
| Cost of funding earning assets | 0.2082% | 6,933 |
| Net interest margin | 2.9462% | 6,281 |
| Noninterest income to average assets | 0.3444% | 5,053 |
| Noninterest expense to average assets | 2.6686% | 4,504 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3122% | 5,573 |
| Return on assets (ROA) | 0.3122% | 5,779 |
| Pretax return on assets | 0.4807% | 5,519 |
| Return on Equity (ROE) | 3.3056% | 5,574 |
| Retained earnings to average equity (ytd only) | 1.5216% | 5,578 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7364% | 1,505 |
| Assets per employee ($millions) | 3.1425% | 5,754 |
| Cash dividends to net income (ytd only)* | 53.9643% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6015% | 6,866 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 60.6274% | 3,650 |
| Net loans and leases to deposits | 67.3592% | 4,279 |
| Net loans and leases to core deposits | 70.5243% | 4,431 |
| Total domestic deposits to total assets | 90.0062% | 845 |
| Equity capital to assets | 9.5521% | 5,141 |
| Core capital (leverage) ratio | 9.3170% | 4,551 |
| Tier 1 risk-based capital ratio | 17.0832% | 2,698 |
| Total risk-based capital ratio | 17.7487% | 2,969 |
| Memoranda: | ||
| Average total assets | $53,809,750 | 6,163 |
| Average earning assets | $51,228,250 | 6,079 |
| Average equity | $5,082,250 | 6,338 |
| Average total loans | $32,507,000 | 5,902 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1786% | 6,888 |
| Cost of funding earning assets | 0.2103% | 7,010 |
| Net interest margin | 2.9683% | 6,299 |
| Noninterest income to average assets | 0.3560% | 4,985 |
| Noninterest expense to average assets | 2.6215% | 4,705 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3634% | 5,364 |
| Return on assets (ROA) | 0.3634% | 5,589 |
| Pretax return on assets | 0.5599% | 5,277 |
| Return on Equity (ROE) | 3.8618% | 5,332 |
| Retained earnings to average equity (ytd only) | 2.6008% | 4,885 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4009% | 1,828 |
| Assets per employee ($millions) | 3.1462% | 5,763 |
| Cash dividends to net income (ytd only)* | 32.6531% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6099% | 6,921 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 59.7147% | 3,878 |
| Net loans and leases to deposits | 66.3254% | 4,467 |
| Net loans and leases to core deposits | 69.4311% | 4,606 |
| Total domestic deposits to total assets | 90.0329% | 905 |
| Equity capital to assets | 9.5389% | 5,007 |
| Core capital (leverage) ratio | 9.2420% | 4,534 |
| Tier 1 risk-based capital ratio | 17.2162% | 2,580 |
| Total risk-based capital ratio | 17.8858% | 2,792 |
| Memoranda: | ||
| Average total assets | $53,938,670 | 6,188 |
| Average earning assets | $51,343,000 | 6,112 |
| Average equity | $5,075,330 | 6,372 |
| Average total loans | $32,481,000 | 5,939 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1894% | 6,950 |
| Cost of funding earning assets | 0.2018% | 7,100 |
| Net interest margin | 2.9877% | 6,315 |
| Noninterest income to average assets | 0.3249% | 5,270 |
| Noninterest expense to average assets | 2.6585% | 4,592 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3323% | 5,547 |
| Return on assets (ROA) | 0.3323% | 5,718 |
| Pretax return on assets | 0.5096% | 5,400 |
| Return on Equity (ROE) | 3.5559% | 5,484 |
| Retained earnings to average equity (ytd only) | 3.3188% | 4,574 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9161% | 1,698 |
| Assets per employee ($millions) | 3.2982% | 5,569 |
| Cash dividends to net income (ytd only)* | 6.6667% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6052% | 6,980 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0499% | 6,773 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 57.4096% | 4,143 |
| Net loans and leases to deposits | 63.3392% | 4,724 |
| Net loans and leases to core deposits | 66.8376% | 4,822 |
| Total domestic deposits to total assets | 90.6383% | 724 |
| Equity capital to assets | 9.0513% | 5,424 |
| Core capital (leverage) ratio | 9.4092% | 4,188 |
| Tier 1 risk-based capital ratio | 16.8272% | 2,745 |
| Total risk-based capital ratio | 17.4848% | 3,012 |
| Memoranda: | ||
| Average total assets | $54,165,000 | 6,224 |
| Average earning assets | $51,545,500 | 6,140 |
| Average equity | $5,062,000 | 6,410 |
| Average total loans | $32,654,000 | 5,971 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6157% | 6,918 |
| Cost of funding earning assets | 0.3043% | 7,101 |
| Net interest margin | 3.3114% | 5,775 |
| Noninterest income to average assets | 0.3444% | 5,059 |
| Noninterest expense to average assets | 2.8333% | 4,226 |
| Loan and lease loss provision to assets | 0.0060% | 6,446 |
| Net operating income to assets | 0.4205% | 4,772 |
| Return on assets (ROA) | 0.4205% | 4,961 |
| Pretax return on assets | 0.6427% | 4,544 |
| Return on Equity (ROE) | 4.1753% | 4,765 |
| Retained earnings to average equity (ytd only) | 1.8888% | 4,857 |
| Net charge-offs to loans | 0.0244% | 6,096 |
| Credit loss provision to net charge-offs | 37.5000% | 5,671 |
| Earnings coverage of net charge-offs (x) | 40.5000% | 665 |
| Efficiency ratio | 81.3686% | 2,104 |
| Assets per employee ($millions) | 3.0742% | 5,947 |
| Cash dividends to net income (ytd only)* | 54.7619% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5953% | 7,020 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0536% | 6,826 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 62.6222% | 3,486 |
| Net loans and leases to deposits | 69.6141% | 4,168 |
| Net loans and leases to core deposits | 73.7926% | 4,270 |
| Total domestic deposits to total assets | 89.9562% | 1,020 |
| Equity capital to assets | 9.6611% | 4,659 |
| Core capital (leverage) ratio | 9.7006% | 3,749 |
| Tier 1 risk-based capital ratio | 17.0559% | 2,576 |
| Total risk-based capital ratio | 17.7282% | 2,798 |
| Memoranda: | ||
| Average total assets | $49,942,200 | 6,368 |
| Average earning assets | $47,321,400 | 6,275 |
| Average equity | $5,029,600 | 6,437 |
| Average total loans | $32,790,800 | 6,024 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6536% | 6,975 |
| Cost of funding earning assets | 0.3280% | 7,160 |
| Net interest margin | 3.3256% | 5,783 |
| Noninterest income to average assets | 0.3511% | 5,046 |
| Noninterest expense to average assets | 2.8901% | 3,975 |
| Loan and lease loss provision to assets | 0.0081% | 6,327 |
| Net operating income to assets | 0.3943% | 5,028 |
| Return on assets (ROA) | 0.3943% | 5,208 |
| Pretax return on assets | 0.6023% | 4,804 |
| Return on Equity (ROE) | 3.8740% | 5,050 |
| Retained earnings to average equity (ytd only) | 2.7331% | 4,720 |
| Net charge-offs to loans | -0.0041% | 6,702 |
| Credit loss provision to net charge-offs | -300.0000% | 6,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5617% | 1,896 |
| Assets per employee ($millions) | 2.7394% | 6,596 |
| Cash dividends to net income (ytd only)* | 29.4514% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6288% | 7,048 |
| Loan loss allowance to noncurrent loans | 284.7222% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.1460% | 6,678 |
| Noncurrent loans to loans | 0.2209% | 6,433 |
| Net loans and leases to total assets | 65.6986% | 2,966 |
| Net loans and leases to deposits | 73.5888% | 3,708 |
| Net loans and leases to core deposits | 78.3174% | 3,855 |
| Total domestic deposits to total assets | 89.2780% | 1,271 |
| Equity capital to assets | 10.2961% | 3,960 |
| Core capital (leverage) ratio | 9.9728% | 3,476 |
| Tier 1 risk-based capital ratio | 17.6819% | 2,368 |
| Total risk-based capital ratio | 18.4097% | 2,542 |
| Memoranda: | ||
| Average total assets | $49,362,500 | 6,442 |
| Average earning assets | $46,747,750 | 6,354 |
| Average equity | $5,024,750 | 6,490 |
| Average total loans | $32,757,750 | 6,086 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6832% | 7,027 |
| Cost of funding earning assets | 0.3551% | 7,215 |
| Net interest margin | 3.3281% | 5,777 |
| Noninterest income to average assets | 0.3402% | 5,159 |
| Noninterest expense to average assets | 2.8635% | 4,170 |
| Loan and lease loss provision to assets | 0.0122% | 6,122 |
| Net operating income to assets | 0.4050% | 4,921 |
| Return on assets (ROA) | 0.4050% | 5,081 |
| Pretax return on assets | 0.6156% | 4,695 |
| Return on Equity (ROE) | 3.9941% | 4,948 |
| Retained earnings to average equity (ytd only) | 3.9941% | 3,659 |
| Net charge-offs to loans | -0.0061% | 6,612 |
| Credit loss provision to net charge-offs | -300.0000% | 6,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0186% | 2,097 |
| Assets per employee ($millions) | 2.7368% | 6,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6322% | 7,104 |
| Loan loss allowance to noncurrent loans | 2,050.0000% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.0203% | 7,061 |
| Noncurrent loans to loans | 0.0308% | 6,907 |
| Net loans and leases to total assets | 65.4135% | 3,160 |
| Net loans and leases to deposits | 73.3030% | 3,898 |
| Net loans and leases to core deposits | 78.0129% | 4,051 |
| Total domestic deposits to total assets | 89.2371% | 1,392 |
| Equity capital to assets | 10.3000% | 3,752 |
| Core capital (leverage) ratio | 9.8370% | 3,470 |
| Tier 1 risk-based capital ratio | 17.8910% | 2,211 |
| Total risk-based capital ratio | 18.6278% | 2,357 |
| Memoranda: | ||
| Average total assets | $49,380,000 | 6,502 |
| Average earning assets | $46,753,330 | 6,411 |
| Average equity | $5,007,330 | 6,528 |
| Average total loans | $32,810,000 | 6,145 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6956% | 7,072 |
| Cost of funding earning assets | 0.3755% | 7,276 |
| Net interest margin | 3.3201% | 5,708 |
| Noninterest income to average assets | 0.3479% | 5,124 |
| Noninterest expense to average assets | 2.8803% | 4,149 |
| Loan and lease loss provision to assets | 0.0243% | 5,658 |
| Net operating income to assets | 0.3884% | 5,001 |
| Return on assets (ROA) | 0.3884% | 5,091 |
| Pretax return on assets | 0.5906% | 4,723 |
| Return on Equity (ROE) | 3.8601% | 4,972 |
| Retained earnings to average equity (ytd only) | 3.8601% | 3,855 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4074% | 2,164 |
| Assets per employee ($millions) | 2.8740% | 6,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6325% | 7,167 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 61.9501% | 3,869 |
| Net loans and leases to deposits | 68.9130% | 4,537 |
| Net loans and leases to core deposits | 72.9043% | 4,659 |
| Total domestic deposits to total assets | 89.8960% | 1,212 |
| Equity capital to assets | 9.6575% | 4,240 |
| Core capital (leverage) ratio | 9.8870% | 3,292 |
| Tier 1 risk-based capital ratio | 17.4971% | 2,298 |
| Total risk-based capital ratio | 18.2215% | 2,460 |
| Memoranda: | ||
| Average total assets | $49,439,000 | 6,547 |
| Average earning assets | $46,866,500 | 6,459 |
| Average equity | $4,974,000 | 6,578 |
| Average total loans | $33,000,500 | 6,184 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4440% | 6,531 |
| Cost of funding earning assets | 0.5107% | 7,285 |
| Net interest margin | 3.9333% | 3,331 |
| Noninterest income to average assets | 0.3842% | 5,028 |
| Noninterest expense to average assets | 3.1604% | 3,237 |
| Loan and lease loss provision to assets | 0.0260% | 6,864 |
| Net operating income to assets | 0.5926% | 3,706 |
| Return on assets (ROA) | 0.5926% | 3,872 |
| Pretax return on assets | 0.8921% | 3,318 |
| Return on Equity (ROE) | 5.5533% | 3,816 |
| Retained earnings to average equity (ytd only) | 0.9764% | 5,056 |
| Net charge-offs to loans | 0.0029% | 6,828 |
| Credit loss provision to net charge-offs | 1,200.0000% | 189 |
| Earnings coverage of net charge-offs (x) | 423.0000% | 56 |
| Efficiency ratio | 77.4880% | 2,789 |
| Assets per employee ($millions) | 2.6192% | 6,825 |
| Cash dividends to net income (ytd only)* | 82.4176% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5956% | 7,269 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 71.1577% | 2,268 |
| Net loans and leases to deposits | 80.0554% | 3,166 |
| Net loans and leases to core deposits | 85.2207% | 3,436 |
| Total domestic deposits to total assets | 88.8856% | 1,725 |
| Equity capital to assets | 10.5035% | 3,150 |
| Core capital (leverage) ratio | 9.8911% | 3,221 |
| Tier 1 risk-based capital ratio | 17.4839% | 2,182 |
| Total risk-based capital ratio | 18.2043% | 2,327 |
| Memoranda: | ||
| Average total assets | $46,070,200 | 6,662 |
| Average earning assets | $43,272,000 | 6,607 |
| Average equity | $4,916,000 | 6,695 |
| Average total loans | $34,139,400 | 6,201 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5247% | 6,546 |
| Cost of funding earning assets | 0.5342% | 7,394 |
| Net interest margin | 3.9906% | 3,149 |
| Noninterest income to average assets | 0.3959% | 4,989 |
| Noninterest expense to average assets | 3.1585% | 3,073 |
| Loan and lease loss provision to assets | 0.0262% | 6,805 |
| Net operating income to assets | 0.6317% | 3,745 |
| Return on assets (ROA) | 0.6317% | 3,912 |
| Pretax return on assets | 0.9519% | 3,356 |
| Return on Equity (ROE) | 5.8963% | 3,865 |
| Retained earnings to average equity (ytd only) | 1.0053% | 5,408 |
| Net charge-offs to loans | 0.0039% | 6,625 |
| Credit loss provision to net charge-offs | 900.0000% | 324 |
| Earnings coverage of net charge-offs (x) | 336.8346% | 94 |
| Efficiency ratio | 76.3547% | 2,880 |
| Assets per employee ($millions) | 2.6874% | 6,796 |
| Cash dividends to net income (ytd only)* | 82.9468% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5765% | 7,380 |
| Loan loss allowance to noncurrent loans | 1,164.7059% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.0351% | 7,269 |
| Noncurrent loans to loans | 0.0495% | 7,119 |
| Net loans and leases to total assets | 70.5958% | 2,593 |
| Net loans and leases to deposits | 79.2086% | 3,599 |
| Net loans and leases to core deposits | 83.4066% | 4,036 |
| Total domestic deposits to total assets | 89.1264% | 1,326 |
| Equity capital to assets | 10.2596% | 3,813 |
| Core capital (leverage) ratio | 10.2530% | 2,985 |
| Tier 1 risk-based capital ratio | 16.9991% | 2,340 |
| Total risk-based capital ratio | 17.6906% | 2,536 |
| Memoranda: | ||
| Average total assets | $45,801,250 | 6,750 |
| Average earning assets | $42,933,250 | 6,701 |
| Average equity | $4,907,000 | 6,783 |
| Average total loans | $34,237,000 | 6,282 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6145% | 6,419 |
| Cost of funding earning assets | 0.5661% | 7,456 |
| Net interest margin | 4.0484% | 2,794 |
| Noninterest income to average assets | 0.4139% | 4,800 |
| Noninterest expense to average assets | 3.1239% | 3,206 |
| Loan and lease loss provision to assets | 0.0267% | 6,679 |
| Net operating income to assets | 0.6987% | 3,413 |
| Return on assets (ROA) | 0.6987% | 3,567 |
| Pretax return on assets | 1.0502% | 2,931 |
| Return on Equity (ROE) | 6.4235% | 3,585 |
| Retained earnings to average equity (ytd only) | -0.9410% | 5,956 |
| Net charge-offs to loans | 0.0058% | 6,291 |
| Credit loss provision to net charge-offs | 600.0000% | 608 |
| Earnings coverage of net charge-offs (x) | 242.0000% | 136 |
| Efficiency ratio | 74.3644% | 3,401 |
| Assets per employee ($millions) | 2.5838% | 6,976 |
| Cash dividends to net income (ytd only)* | 114.6497% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5713% | 7,445 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 72.9730% | 2,175 |
| Net loans and leases to deposits | 82.2206% | 3,233 |
| Net loans and leases to core deposits | 86.7739% | 3,729 |
| Total domestic deposits to total assets | 88.7527% | 1,568 |
| Equity capital to assets | 10.5850% | 3,301 |
| Core capital (leverage) ratio | 10.3372% | 2,784 |
| Tier 1 risk-based capital ratio | 17.0576% | 2,257 |
| Total risk-based capital ratio | 17.7495% | 2,419 |
| Memoranda: | ||
| Average total assets | $44,943,670 | 6,835 |
| Average earning assets | $42,041,670 | 6,778 |
| Average equity | $4,888,330 | 6,818 |
| Average total loans | $34,200,000 | 6,321 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7654% | 6,018 |
| Cost of funding earning assets | 0.6017% | 7,534 |
| Net interest margin | 4.1636% | 2,179 |
| Noninterest income to average assets | 0.4619% | 4,368 |
| Noninterest expense to average assets | 3.2064% | 2,833 |
| Loan and lease loss provision to assets | 0.0272% | 6,404 |
| Net operating income to assets | 0.7427% | 3,246 |
| Return on assets (ROA) | 0.7427% | 3,353 |
| Pretax return on assets | 1.1141% | 2,687 |
| Return on Equity (ROE) | 6.7337% | 3,484 |
| Retained earnings to average equity (ytd only) | -7.7192% | 6,805 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7500% | 3,611 |
| Assets per employee ($millions) | 2.5408% | 7,140 |
| Cash dividends to net income (ytd only)* | 214.6341% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5689% | 7,535 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 73.7635% | 2,022 |
| Net loans and leases to deposits | 82.9951% | 3,107 |
| Net loans and leases to core deposits | 86.8944% | 3,770 |
| Total domestic deposits to total assets | 88.8770% | 1,582 |
| Equity capital to assets | 10.5501% | 3,195 |
| Core capital (leverage) ratio | 10.9145% | 2,283 |
| Tier 1 risk-based capital ratio | 16.8871% | 2,307 |
| Total risk-based capital ratio | 17.5753% | 2,479 |
| Memoranda: | ||
| Average total assets | $44,161,000 | 6,944 |
| Average earning assets | $41,214,000 | 6,891 |
| Average equity | $4,871,000 | 6,889 |
| Average total loans | $34,233,000 | 6,409 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1120% | 6,036 |
| Cost of funding earning assets | 1.1907% | 6,685 |
| Net interest margin | 3.9213% | 3,183 |
| Noninterest income to average assets | 0.4308% | 4,950 |
| Noninterest expense to average assets | 3.3496% | 2,838 |
| Loan and lease loss provision to assets | 0.0276% | 7,239 |
| Net operating income to assets | 0.4990% | 3,735 |
| Return on assets (ROA) | 0.5022% | 3,815 |
| Pretax return on assets | 0.7303% | 3,470 |
| Return on Equity (ROE) | 4.5043% | 3,880 |
| Retained earnings to average equity (ytd only) | 3.5332% | 2,703 |
| Net charge-offs to loans | 0.0510% | 6,590 |
| Credit loss provision to net charge-offs | 70.5882% | 6,478 |
| Earnings coverage of net charge-offs (x) | 19.2353% | 1,092 |
| Efficiency ratio | 81.6395% | 2,652 |
| Assets per employee ($millions) | 2.3660% | 7,394 |
| Cash dividends to net income (ytd only)* | 21.5596% | 3,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5501% | 7,615 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1221% | 7,173 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 80.6518% | 884 |
| Net loans and leases to deposits | 92.0586% | 1,892 |
| Net loans and leases to core deposits | 102.4243% | 3,756 |
| Total domestic deposits to total assets | 87.6092% | 2,169 |
| Equity capital to assets | 11.5455% | 2,287 |
| Core capital (leverage) ratio | 11.3695% | 1,995 |
| Tier 1 risk-based capital ratio | 17.1252% | 2,123 |
| Total risk-based capital ratio | 17.7989% | 2,245 |
| Memoranda: | ||
| Average total assets | $43,407,800 | 6,972 |
| Average earning assets | $40,649,400 | 6,923 |
| Average equity | $4,839,800 | 7,006 |
| Average total loans | $33,314,000 | 6,441 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1544% | 6,090 |
| Cost of funding earning assets | 1.3139% | 6,515 |
| Net interest margin | 3.8406% | 3,477 |
| Noninterest income to average assets | 0.4433% | 4,949 |
| Noninterest expense to average assets | 3.3048% | 2,904 |
| Loan and lease loss provision to assets | 0.0275% | 7,075 |
| Net operating income to assets | 0.4891% | 4,031 |
| Return on assets (ROA) | 0.4891% | 4,125 |
| Pretax return on assets | 0.7123% | 3,811 |
| Return on Equity (ROE) | 4.4255% | 4,201 |
| Retained earnings to average equity (ytd only) | 4.4255% | 2,800 |
| Net charge-offs to loans | 0.0283% | 6,488 |
| Credit loss provision to net charge-offs | 128.5714% | 3,898 |
| Earnings coverage of net charge-offs (x) | 34.5831% | 835 |
| Efficiency ratio | 81.7082% | 2,622 |
| Assets per employee ($millions) | 2.3419% | 7,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5834% | 7,608 |
| Loan loss allowance to noncurrent loans | 322.9508% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.1447% | 7,181 |
| Noncurrent loans to loans | 0.1806% | 7,043 |
| Net loans and leases to total assets | 79.6347% | 1,254 |
| Net loans and leases to deposits | 93.2293% | 2,015 |
| Net loans and leases to core deposits | 103.0956% | 4,049 |
| Total domestic deposits to total assets | 85.4181% | 3,015 |
| Equity capital to assets | 11.6736% | 2,452 |
| Core capital (leverage) ratio | 11.1748% | 2,281 |
| Tier 1 risk-based capital ratio | 17.6870% | 2,078 |
| Total risk-based capital ratio | 18.4100% | 2,173 |
| Memoranda: | ||
| Average total assets | $43,612,750 | 7,012 |
| Average earning assets | $40,895,750 | 6,963 |
| Average equity | $4,820,500 | 7,072 |
| Average total loans | $33,008,000 | 6,511 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1186% | 6,356 |
| Cost of funding earning assets | 1.3885% | 6,519 |
| Net interest margin | 3.7301% | 3,832 |
| Noninterest income to average assets | 0.4082% | 5,211 |
| Noninterest expense to average assets | 3.2790% | 3,057 |
| Loan and lease loss provision to assets | 0.0272% | 6,970 |
| Net operating income to assets | 0.4127% | 4,458 |
| Return on assets (ROA) | 0.4127% | 4,565 |
| Pretax return on assets | 0.5987% | 4,325 |
| Return on Equity (ROE) | 3.8020% | 4,578 |
| Retained earnings to average equity (ytd only) | 3.8020% | 3,176 |
| Net charge-offs to loans | 0.0488% | 5,792 |
| Credit loss provision to net charge-offs | 75.0000% | 5,318 |
| Earnings coverage of net charge-offs (x) | 17.2500% | 1,487 |
| Efficiency ratio | 83.9721% | 2,477 |
| Assets per employee ($millions) | 2.4152% | 7,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5945% | 7,640 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1058% | 7,305 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 74.2323% | 2,644 |
| Net loans and leases to deposits | 86.2515% | 3,502 |
| Net loans and leases to core deposits | 96.1792% | 4,884 |
| Total domestic deposits to total assets | 86.0649% | 2,751 |
| Equity capital to assets | 11.0666% | 2,859 |
| Core capital (leverage) ratio | 10.6065% | 2,729 |
| Tier 1 risk-based capital ratio | 17.6416% | 2,105 |
| Total risk-based capital ratio | 18.3584% | 2,215 |
| Memoranda: | ||
| Average total assets | $44,098,670 | 7,054 |
| Average earning assets | $41,339,670 | 6,996 |
| Average equity | $4,787,000 | 7,142 |
| Average total loans | $32,755,000 | 6,569 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1923% | 6,324 |
| Cost of funding earning assets | 1.4423% | 6,602 |
| Net interest margin | 3.7500% | 3,657 |
| Noninterest income to average assets | 0.4053% | 5,173 |
| Noninterest expense to average assets | 3.1523% | 3,186 |
| Loan and lease loss provision to assets | 0.0270% | 6,585 |
| Net operating income to assets | 0.5044% | 4,400 |
| Return on assets (ROA) | 0.5044% | 4,587 |
| Pretax return on assets | 0.7385% | 4,289 |
| Return on Equity (ROE) | 4.6911% | 4,615 |
| Retained earnings to average equity (ytd only) | 4.6911% | 3,310 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4598% | 2,751 |
| Assets per employee ($millions) | 2.4803% | 7,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6105% | 7,643 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1030% | 7,278 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 72.1968% | 3,201 |
| Net loans and leases to deposits | 83.6308% | 4,038 |
| Net loans and leases to core deposits | 93.5727% | 5,200 |
| Total domestic deposits to total assets | 86.3280% | 2,535 |
| Equity capital to assets | 10.7781% | 3,207 |
| Core capital (leverage) ratio | 10.6285% | 2,806 |
| Tier 1 risk-based capital ratio | 17.5058% | 2,185 |
| Total risk-based capital ratio | 18.2409% | 2,274 |
| Memoranda: | ||
| Average total assets | $44,411,500 | 7,086 |
| Average earning assets | $41,600,000 | 7,035 |
| Average equity | $4,775,000 | 7,194 |
| Average total loans | $32,900,500 | 6,597 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9124% | 5,974 |
| Cost of funding earning assets | 2.0099% | 6,379 |
| Net interest margin | 3.9025% | 3,553 |
| Noninterest income to average assets | 0.4682% | 4,893 |
| Noninterest expense to average assets | 3.0760% | 3,801 |
| Loan and lease loss provision to assets | 0.0284% | 7,047 |
| Net operating income to assets | 0.6973% | 3,905 |
| Return on assets (ROA) | 0.7154% | 3,656 |
| Pretax return on assets | 1.0304% | 3,272 |
| Return on Equity (ROE) | 7.1874% | 3,437 |
| Retained earnings to average equity (ytd only) | 6.1544% | 1,466 |
| Net charge-offs to loans | 0.0521% | 6,045 |
| Credit loss provision to net charge-offs | 72.2222% | 6,040 |
| Earnings coverage of net charge-offs (x) | 26.2222% | 1,298 |
| Efficiency ratio | 74.8669% | 3,423 |
| Assets per employee ($millions) | 2.4543% | 7,291 |
| Cash dividends to net income (ytd only)* | 14.3731% | 4,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5844% | 7,706 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1041% | 7,165 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 75.0956% | 2,857 |
| Net loans and leases to deposits | 87.0781% | 3,934 |
| Net loans and leases to core deposits | 97.5018% | 5,097 |
| Total domestic deposits to total assets | 86.2394% | 2,295 |
| Equity capital to assets | 10.7250% | 3,275 |
| Core capital (leverage) ratio | 10.2691% | 3,198 |
| Tier 1 risk-based capital ratio | 17.0503% | 2,293 |
| Total risk-based capital ratio | 17.7640% | 2,411 |
| Memoranda: | ||
| Average total assets | $45,709,400 | 6,949 |
| Average earning assets | $42,639,000 | 6,917 |
| Average equity | $4,549,600 | 7,314 |
| Average total loans | $34,551,200 | 6,455 |