Home > Dakota Prairie Bank > Performance and Condition Ratios
Dakota Prairie Bank, Performance and Condition Ratios
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9712% | 1,894 |
| Cost of funding earning assets | 1.0216% | 2,974 |
| Net interest margin | 3.9495% | 1,306 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 3.1038% | 926 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9279% | 2,593 |
| Return on assets (ROA) | 0.9279% | 2,575 |
| Pretax return on assets | 0.9694% | 2,932 |
| Return on Equity (ROE) | 9.6400% | 2,752 |
| Retained earnings to average equity (ytd only) | 4.9080% | 2,967 |
| Net charge-offs to loans | 0.0093% | 2,058 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 187.2000% | 629 |
| Efficiency ratio | 76.2014% | 1,155 |
| Assets per employee ($millions) | 5.6625% | 3,054 |
| Cash dividends to net income (ytd only)* | 49.1071% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5709% | 941 |
| 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 | 59.6000% | 2,886 |
| Net loans and leases to deposits | 66.9721% | 3,056 |
| Net loans and leases to core deposits | 70.8595% | 3,170 |
| Total domestic deposits to total assets | 88.9900% | 1,257 |
| Equity capital to assets | 10.0831% | 1,783 |
| Core capital (leverage) ratio | 11.2014% | 1,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0741% | 622 |
| Memoranda: | ||
| Average total assets | $128,741,000 | 3,574 |
| Average earning assets | $116,804,000 | 3,590 |
| Average equity | $12,387,750 | 3,489 |
| Average total loans | $71,937,000 | 3,528 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7595% | 2,082 |
| Cost of funding earning assets | 0.7569% | 3,330 |
| Net interest margin | 4.0026% | 1,234 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 3.0139% | 1,022 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9329% | 2,638 |
| Return on assets (ROA) | 0.9329% | 2,626 |
| Pretax return on assets | 0.9836% | 2,960 |
| Return on Equity (ROE) | 9.8500% | 2,753 |
| Retained earnings to average equity (ytd only) | 4.3309% | 3,119 |
| Net charge-offs to loans | -0.0057% | 3,744 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 75.3941% | 1,227 |
| Assets per employee ($millions) | 5.7176% | 2,952 |
| Cash dividends to net income (ytd only)* | 56.0132% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6320% | 874 |
| 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 | 54.6300% | 3,223 |
| Net loans and leases to deposits | 60.7250% | 3,377 |
| Net loans and leases to core deposits | 63.7218% | 3,466 |
| Total domestic deposits to total assets | 89.9700% | 926 |
| Equity capital to assets | 9.4643% | 2,176 |
| Core capital (leverage) ratio | 10.7957% | 2,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2149% | 614 |
| Memoranda: | ||
| Average total assets | $130,129,667 | 3,569 |
| Average earning assets | $118,373,667 | 3,587 |
| Average equity | $12,330,000 | 3,505 |
| Average total loans | $70,771,667 | 3,550 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5362% | 2,231 |
| Cost of funding earning assets | 0.3340% | 4,122 |
| Net interest margin | 4.2022% | 943 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 2.5587% | 2,082 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4895% | 1,208 |
| Return on assets (ROA) | 1.4895% | 1,187 |
| Pretax return on assets | 1.5575% | 1,563 |
| Return on Equity (ROE) | 15.7100% | 1,417 |
| Retained earnings to average equity (ytd only) | 8.7027% | 2,026 |
| Net charge-offs to loans | -0.0115% | 3,896 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.1622% | 2,670 |
| Assets per employee ($millions) | 6.3849% | 2,424 |
| Cash dividends to net income (ytd only)* | 44.6058% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7331% | 751 |
| Loan loss allowance to noncurrent loans | 931.2500% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.1002% | 2,829 |
| Noncurrent loans to loans | 0.1861% | 2,549 |
| Net loans and leases to total assets | 52.9300% | 3,284 |
| Net loans and leases to deposits | 58.9454% | 3,399 |
| Net loans and leases to core deposits | 61.2538% | 3,488 |
| Total domestic deposits to total assets | 89.7900% | 1,236 |
| Equity capital to assets | 9.8217% | 1,919 |
| Core capital (leverage) ratio | 11.2790% | 1,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5398% | 532 |
| Memoranda: | ||
| Average total assets | $129,442,000 | 3,624 |
| Average earning assets | $117,366,000 | 3,639 |
| Average equity | $12,272,000 | 3,551 |
| Average total loans | $69,639,000 | 3,612 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7950% | 2,294 |
| Cost of funding earning assets | 0.1982% | 3,776 |
| Net interest margin | 3.5968% | 1,654 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 2.3811% | 2,474 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1531% | 1,959 |
| Return on assets (ROA) | 1.1531% | 1,900 |
| Pretax return on assets | 1.1947% | 2,456 |
| Return on Equity (ROE) | 12.7400% | 1,894 |
| Retained earnings to average equity (ytd only) | 6.6975% | 2,370 |
| Net charge-offs to loans | -0.0415% | 4,300 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.5891% | 2,133 |
| Assets per employee ($millions) | 6.2470% | 2,558 |
| Cash dividends to net income (ytd only)* | 47.4409% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6737% | 836 |
| Loan loss allowance to noncurrent loans | 3,189.1892% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.0282% | 3,534 |
| Noncurrent loans to loans | 0.0525% | 3,381 |
| Net loans and leases to total assets | 52.8400% | 3,296 |
| Net loans and leases to deposits | 58.3918% | 3,426 |
| Net loans and leases to core deposits | 59.4627% | 3,539 |
| Total domestic deposits to total assets | 90.4900% | 1,155 |
| Equity capital to assets | 9.1488% | 2,267 |
| Core capital (leverage) ratio | 10.2341% | 2,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6772% | 872 |
| Memoranda: | ||
| Average total assets | $132,166,800 | 3,609 |
| Average earning assets | $119,077,000 | 3,636 |
| Average equity | $11,959,600 | 3,674 |
| Average total loans | $69,849,000 | 3,582 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5373% | 2,496 |
| Cost of funding earning assets | 0.1790% | 3,530 |
| Net interest margin | 3.3583% | 2,110 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 2.3693% | 2,418 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9274% | 2,768 |
| Return on assets (ROA) | 0.9274% | 2,736 |
| Pretax return on assets | 0.9697% | 3,113 |
| Return on Equity (ROE) | 10.2800% | 2,638 |
| Retained earnings to average equity (ytd only) | 5.6126% | 2,884 |
| Net charge-offs to loans | -0.1071% | 4,508 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.9590% | 1,649 |
| Assets per employee ($millions) | 6.3032% | 2,489 |
| Cash dividends to net income (ytd only)* | 45.3855% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7045% | 866 |
| 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 | 52.5800% | 3,227 |
| Net loans and leases to deposits | 57.7750% | 3,358 |
| Net loans and leases to core deposits | 59.0859% | 3,448 |
| Total domestic deposits to total assets | 91.0200% | 1,235 |
| Equity capital to assets | 8.5754% | 2,496 |
| Core capital (leverage) ratio | 10.0651% | 2,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8682% | 655 |
| Memoranda: | ||
| Average total assets | $132,411,750 | 3,636 |
| Average earning assets | $119,183,500 | 3,657 |
| Average equity | $11,949,000 | 3,717 |
| Average total loans | $69,686,000 | 3,593 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3023% | 2,735 |
| Cost of funding earning assets | 0.1759% | 3,231 |
| Net interest margin | 3.1264% | 2,452 |
| Noninterest income to average assets | 0.2311% | 3,797 |
| Noninterest expense to average assets | 2.3319% | 2,455 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6857% | 3,356 |
| Return on assets (ROA) | 0.6857% | 3,308 |
| Pretax return on assets | 0.7174% | 3,535 |
| Return on Equity (ROE) | 7.4743% | 3,168 |
| Retained earnings to average equity (ytd only) | 2.8317% | 3,496 |
| Net charge-offs to loans | -0.1760% | 4,570 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4735% | 1,224 |
| Assets per employee ($millions) | 6.1686% | 2,597 |
| Cash dividends to net income (ytd only)* | 62.1145% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7457% | 879 |
| 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 | 50.2667% | 3,342 |
| Net loans and leases to deposits | 55.1895% | 3,449 |
| Net loans and leases to core deposits | 56.4094% | 3,529 |
| Total domestic deposits to total assets | 91.0802% | 1,192 |
| Equity capital to assets | 8.5911% | 2,695 |
| Core capital (leverage) ratio | 9.7588% | 2,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8466% | 741 |
| Memoranda: | ||
| Average total assets | $132,426,667 | 3,675 |
| Average earning assets | $119,371,667 | 3,706 |
| Average equity | $12,148,333 | 3,771 |
| Average total loans | $69,310,667 | 3,632 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1957% | 2,706 |
| Cost of funding earning assets | 0.1777% | 3,113 |
| Net interest margin | 3.0179% | 2,446 |
| Noninterest income to average assets | 0.2416% | 3,699 |
| Noninterest expense to average assets | 2.3030% | 2,490 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6606% | 3,195 |
| Return on assets (ROA) | 0.6606% | 3,174 |
| Pretax return on assets | 0.6912% | 3,419 |
| Return on Equity (ROE) | 6.9717% | 3,045 |
| Retained earnings to average equity (ytd only) | 3.7763% | 3,020 |
| Net charge-offs to loans | -0.0289% | 4,074 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9152% | 1,420 |
| Assets per employee ($millions) | 5.6553% | 3,168 |
| Cash dividends to net income (ytd only)* | 45.8333% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7391% | 986 |
| Loan loss allowance to noncurrent loans | 3,124.3243% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.0284% | 3,760 |
| Noncurrent loans to loans | 0.0557% | 3,583 |
| Net loans and leases to total assets | 50.2149% | 3,150 |
| Net loans and leases to deposits | 55.4782% | 3,307 |
| Net loans and leases to core deposits | 57.0143% | 3,376 |
| Total domestic deposits to total assets | 90.5129% | 1,290 |
| Equity capital to assets | 9.1811% | 2,541 |
| Core capital (leverage) ratio | 9.9623% | 2,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0218% | 561 |
| Memoranda: | ||
| Average total assets | $130,785,000 | 3,710 |
| Average earning assets | $119,287,000 | 3,720 |
| Average equity | $12,393,000 | 3,821 |
| Average total loans | $69,251,500 | 3,633 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3823% | 738 |
| Cost of funding earning assets | 0.2437% | 3,010 |
| Net interest margin | 4.1386% | 552 |
| Noninterest income to average assets | 0.3373% | 3,396 |
| Noninterest expense to average assets | 2.6101% | 1,842 |
| Loan and lease loss provision to assets | 0.0540% | 1,975 |
| Net operating income to assets | 1.3493% | 1,446 |
| Return on assets (ROA) | 1.3493% | 1,483 |
| Pretax return on assets | 1.4270% | 1,955 |
| Return on Equity (ROE) | 12.9316% | 1,486 |
| Retained earnings to average equity (ytd only) | 7.4780% | 1,730 |
| Net charge-offs to loans | 0.0132% | 2,064 |
| Credit loss provision to net charge-offs | 660.0000% | 687 |
| Earnings coverage of net charge-offs (x) | 180.9000% | 577 |
| Efficiency ratio | 63.7983% | 2,591 |
| Assets per employee ($millions) | 5.7173% | 3,037 |
| Cash dividends to net income (ytd only)* | 42.1723% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5979% | 1,261 |
| Loan loss allowance to noncurrent loans | 3,110.8108% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.0281% | 3,845 |
| Noncurrent loans to loans | 0.0514% | 3,710 |
| Net loans and leases to total assets | 53.9023% | 2,866 |
| Net loans and leases to deposits | 60.0152% | 3,069 |
| Net loans and leases to core deposits | 62.4513% | 3,122 |
| Total domestic deposits to total assets | 89.8144% | 1,058 |
| Equity capital to assets | 9.7674% | 2,879 |
| Core capital (leverage) ratio | 10.1953% | 2,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0732% | 744 |
| Memoranda: | ||
| Average total assets | $122,141,000 | 3,776 |
| Average earning assets | $110,786,600 | 3,803 |
| Average equity | $12,744,000 | 3,849 |
| Average total loans | $75,702,600 | 3,545 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7244% | 469 |
| Cost of funding earning assets | 0.2604% | 3,013 |
| Net interest margin | 4.4640% | 334 |
| Noninterest income to average assets | 0.3138% | 3,546 |
| Noninterest expense to average assets | 2.6510% | 1,706 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6282% | 958 |
| Return on assets (ROA) | 1.6282% | 1,009 |
| Pretax return on assets | 1.7072% | 1,386 |
| Return on Equity (ROE) | 15.3363% | 1,080 |
| Retained earnings to average equity (ytd only) | 10.1473% | 1,276 |
| Net charge-offs to loans | 0.0226% | 1,594 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 118.0000% | 786 |
| Efficiency ratio | 60.8274% | 2,858 |
| Assets per employee ($millions) | 5.0531% | 3,648 |
| Cash dividends to net income (ytd only)* | 33.8346% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3761% | 2,121 |
| Loan loss allowance to noncurrent loans | 2,924.3243% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.0305% | 3,961 |
| Noncurrent loans to loans | 0.0471% | 3,881 |
| Net loans and leases to total assets | 63.9431% | 1,782 |
| Net loans and leases to deposits | 72.0376% | 2,049 |
| Net loans and leases to core deposits | 74.7081% | 2,172 |
| Total domestic deposits to total assets | 88.7636% | 1,425 |
| Equity capital to assets | 10.7326% | 2,234 |
| Core capital (leverage) ratio | 10.7579% | 1,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7079% | 1,007 |
| Memoranda: | ||
| Average total assets | $119,801,500 | 3,844 |
| Average earning assets | $108,540,500 | 3,869 |
| Average equity | $12,719,000 | 3,908 |
| Average total loans | $76,620,250 | 3,586 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1980% | 257 |
| Cost of funding earning assets | 0.2762% | 3,029 |
| Net interest margin | 4.9218% | 185 |
| Noninterest income to average assets | 0.2229% | 4,067 |
| Noninterest expense to average assets | 2.6351% | 1,763 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.9797% | 500 |
| Return on assets (ROA) | 1.9797% | 530 |
| Pretax return on assets | 2.0686% | 724 |
| Return on Equity (ROE) | 18.7163% | 569 |
| Retained earnings to average equity (ytd only) | 13.5658% | 623 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0228% | 3,537 |
| Assets per employee ($millions) | 5.4991% | 3,131 |
| Cash dividends to net income (ytd only)* | 27.5191% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3736% | 2,087 |
| Loan loss allowance to noncurrent loans | 4,055.5556% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.0223% | 4,120 |
| Noncurrent loans to loans | 0.0339% | 4,030 |
| Net loans and leases to total assets | 64.9884% | 1,831 |
| Net loans and leases to deposits | 73.1717% | 2,080 |
| Net loans and leases to core deposits | 75.8880% | 2,248 |
| Total domestic deposits to total assets | 88.8163% | 1,375 |
| Equity capital to assets | 10.6861% | 2,236 |
| Core capital (leverage) ratio | 10.5852% | 1,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3216% | 907 |
| Memoranda: | ||
| Average total assets | $119,310,333 | 3,865 |
| Average earning assets | $108,619,000 | 3,889 |
| Average equity | $12,620,000 | 3,929 |
| Average total loans | $75,950,667 | 3,618 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6398% | 165 |
| Cost of funding earning assets | 0.2966% | 3,031 |
| Net interest margin | 5.3432% | 129 |
| Noninterest income to average assets | 0.2093% | 4,129 |
| Noninterest expense to average assets | 2.3870% | 2,533 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.5761% | 236 |
| Return on assets (ROA) | 2.5761% | 257 |
| Pretax return on assets | 2.6875% | 335 |
| Return on Equity (ROE) | 24.4826% | 278 |
| Retained earnings to average equity (ytd only) | 21.4343% | 225 |
| Net charge-offs to loans | -0.0108% | 3,699 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0393% | 4,404 |
| Assets per employee ($millions) | 5.4518% | 3,162 |
| Cash dividends to net income (ytd only)* | 12.4509% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4411% | 1,800 |
| 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 | 62.5535% | 2,226 |
| Net loans and leases to deposits | 70.2767% | 2,478 |
| Net loans and leases to core deposits | 73.0813% | 2,604 |
| Total domestic deposits to total assets | 89.0102% | 1,338 |
| Equity capital to assets | 10.6346% | 2,143 |
| Core capital (leverage) ratio | 10.7472% | 1,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0656% | 781 |
| Memoranda: | ||
| Average total assets | $118,475,500 | 3,881 |
| Average earning assets | $107,875,500 | 3,900 |
| Average equity | $12,466,000 | 3,960 |
| Average total loans | $74,067,000 | 3,668 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7507% | 807 |
| Cost of funding earning assets | 0.5475% | 2,626 |
| Net interest margin | 4.2032% | 632 |
| Noninterest income to average assets | 0.3569% | 3,335 |
| Noninterest expense to average assets | 2.7747% | 2,012 |
| Loan and lease loss provision to assets | 0.1406% | 2,598 |
| Net operating income to assets | 1.1347% | 1,784 |
| Return on assets (ROA) | 1.1347% | 1,907 |
| Pretax return on assets | 1.1939% | 2,345 |
| Return on Equity (ROE) | 9.9183% | 2,032 |
| Retained earnings to average equity (ytd only) | 5.8832% | 1,852 |
| Net charge-offs to loans | 0.2373% | 739 |
| Credit loss provision to net charge-offs | 84.3023% | 2,962 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,644 |
| Efficiency ratio | 67.5242% | 2,292 |
| Assets per employee ($millions) | 5.5720% | 2,768 |
| Cash dividends to net income (ytd only)* | 40.6838% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5206% | 1,514 |
| 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 | 60.6057% | 2,780 |
| Net loans and leases to deposits | 68.0041% | 3,077 |
| Net loans and leases to core deposits | 70.9415% | 3,178 |
| Total domestic deposits to total assets | 89.1208% | 934 |
| Equity capital to assets | 10.4066% | 2,746 |
| Core capital (leverage) ratio | 10.3491% | 2,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1295% | 886 |
| Memoranda: | ||
| Average total assets | $103,110,800 | 3,954 |
| Average earning assets | $92,050,000 | 3,996 |
| Average equity | $11,796,400 | 3,993 |
| Average total loans | $72,467,200 | 3,680 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0554% | 552 |
| Cost of funding earning assets | 0.5928% | 2,663 |
| Net interest margin | 4.4626% | 416 |
| Noninterest income to average assets | 0.3064% | 3,657 |
| Noninterest expense to average assets | 2.8691% | 1,774 |
| Loan and lease loss provision to assets | 0.1495% | 2,529 |
| Net operating income to assets | 1.1937% | 1,658 |
| Return on assets (ROA) | 1.1937% | 1,782 |
| Pretax return on assets | 1.2565% | 2,203 |
| Return on Equity (ROE) | 10.1639% | 1,965 |
| Retained earnings to average equity (ytd only) | 5.8796% | 2,152 |
| Net charge-offs to loans | 0.3251% | 480 |
| Credit loss provision to net charge-offs | 63.2768% | 2,838 |
| Earnings coverage of net charge-offs (x) | 5.9379% | 2,692 |
| Efficiency ratio | 67.1049% | 2,299 |
| Assets per employee ($millions) | 4.8350% | 3,450 |
| Cash dividends to net income (ytd only)* | 42.1525% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4191% | 1,657 |
| Loan loss allowance to noncurrent loans | 291.9890% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.3403% | 2,775 |
| Noncurrent loans to loans | 0.4860% | 2,609 |
| Net loans and leases to total assets | 69.0301% | 2,108 |
| Net loans and leases to deposits | 78.3424% | 2,502 |
| Net loans and leases to core deposits | 83.2885% | 2,551 |
| Total domestic deposits to total assets | 88.1133% | 1,169 |
| Equity capital to assets | 11.2766% | 2,167 |
| Core capital (leverage) ratio | 11.1547% | 1,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6939% | 1,101 |
| Memoranda: | ||
| Average total assets | $99,635,500 | 3,999 |
| Average earning assets | $88,616,000 | 4,046 |
| Average equity | $11,701,250 | 4,012 |
| Average total loans | $72,581,250 | 3,694 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1762% | 600 |
| Cost of funding earning assets | 0.6187% | 2,873 |
| Net interest margin | 4.5576% | 441 |
| Noninterest income to average assets | 0.2238% | 4,153 |
| Noninterest expense to average assets | 2.9058% | 1,812 |
| Loan and lease loss provision to assets | 0.1068% | 2,940 |
| Net operating income to assets | 1.2383% | 1,520 |
| Return on assets (ROA) | 1.2383% | 1,638 |
| Pretax return on assets | 1.2958% | 2,039 |
| Return on Equity (ROE) | 10.3936% | 1,851 |
| Retained earnings to average equity (ytd only) | 5.8949% | 2,125 |
| Net charge-offs to loans | 0.0083% | 2,649 |
| Credit loss provision to net charge-offs | 1,733.3333% | 546 |
| Earnings coverage of net charge-offs (x) | 227.6667% | 399 |
| Efficiency ratio | 67.4452% | 2,316 |
| Assets per employee ($millions) | 4.4723% | 3,824 |
| Cash dividends to net income (ytd only)* | 43.2836% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5309% | 1,176 |
| Loan loss allowance to noncurrent loans | 39,033.3333% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 4,584 |
| Noncurrent loans to loans | 0.0039% | 4,505 |
| Net loans and leases to total assets | 73.2253% | 1,522 |
| Net loans and leases to deposits | 83.2276% | 2,073 |
| Net loans and leases to core deposits | 88.6797% | 2,183 |
| Total domestic deposits to total assets | 87.9820% | 1,189 |
| Equity capital to assets | 11.4902% | 1,980 |
| Core capital (leverage) ratio | 11.5422% | 1,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3680% | 1,167 |
| Memoranda: | ||
| Average total assets | $97,390,333 | 4,032 |
| Average earning assets | $87,283,667 | 4,063 |
| Average equity | $11,603,333 | 4,033 |
| Average total loans | $71,946,667 | 3,718 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3533% | 491 |
| Cost of funding earning assets | 0.6555% | 3,144 |
| Net interest margin | 4.6978% | 329 |
| Noninterest income to average assets | 0.2536% | 4,031 |
| Noninterest expense to average assets | 3.1229% | 1,581 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2340% | 1,421 |
| Return on assets (ROA) | 1.2340% | 1,522 |
| Pretax return on assets | 1.3100% | 1,845 |
| Return on Equity (ROE) | 10.1605% | 1,691 |
| Retained earnings to average equity (ytd only) | 5.9850% | 1,877 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4480% | 2,287 |
| Assets per employee ($millions) | 4.1827% | 3,680 |
| Cash dividends to net income (ytd only)* | 41.0959% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5893% | 1,099 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 72.2189% | 1,887 |
| Net loans and leases to deposits | 82.6328% | 2,367 |
| Net loans and leases to core deposits | 88.4887% | 2,485 |
| Total domestic deposits to total assets | 87.3974% | 1,384 |
| Equity capital to assets | 12.0559% | 2,026 |
| Core capital (leverage) ratio | 12.1886% | 1,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3934% | 1,255 |
| Memoranda: | ||
| Average total assets | $94,654,500 | 4,068 |
| Average earning assets | $84,209,000 | 4,105 |
| Average equity | $11,495,500 | 4,069 |
| Average total loans | $69,674,000 | 3,769 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1958% | 1,004 |
| Cost of funding earning assets | 0.5797% | 3,722 |
| Net interest margin | 4.6161% | 553 |
| Noninterest income to average assets | 0.4225% | 3,162 |
| Noninterest expense to average assets | 2.9741% | 2,081 |
| Loan and lease loss provision to assets | 0.0663% | 2,690 |
| Net operating income to assets | 1.5346% | 973 |
| Return on assets (ROA) | 1.5283% | 1,049 |
| Pretax return on assets | 1.5881% | 1,520 |
| Return on Equity (ROE) | 12.8451% | 1,216 |
| Retained earnings to average equity (ytd only) | 7.3674% | 1,221 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1669% | 3,050 |
| Assets per employee ($millions) | 3.8795% | 4,050 |
| Cash dividends to net income (ytd only)* | 42.6439% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6320% | 912 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 72.6347% | 1,981 |
| Net loans and leases to deposits | 83.3185% | 2,408 |
| Net loans and leases to core deposits | 87.3724% | 2,668 |
| Total domestic deposits to total assets | 87.1771% | 1,528 |
| Equity capital to assets | 12.2365% | 1,990 |
| Core capital (leverage) ratio | 12.0539% | 1,740 |
| Tier 1 risk-based capital ratio | 16.3960% | 2,260 |
| Total risk-based capital ratio | 17.6493% | 2,196 |
| Memoranda: | ||
| Average total assets | $92,060,200 | 4,110 |
| Average earning assets | $84,010,200 | 4,125 |
| Average equity | $10,953,600 | 4,132 |
| Average total loans | $66,654,000 | 3,841 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1502% | 1,155 |
| Cost of funding earning assets | 0.5691% | 3,823 |
| Net interest margin | 4.5811% | 639 |
| Noninterest income to average assets | 0.2803% | 4,068 |
| Noninterest expense to average assets | 2.8700% | 2,343 |
| Loan and lease loss provision to assets | 0.0363% | 3,169 |
| Net operating income to assets | 1.5145% | 1,151 |
| Return on assets (ROA) | 1.5062% | 1,225 |
| Pretax return on assets | 1.5744% | 1,722 |
| Return on Equity (ROE) | 12.7505% | 1,374 |
| Retained earnings to average equity (ytd only) | 7.3404% | 1,698 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9275% | 3,018 |
| Assets per employee ($millions) | 3.9114% | 4,012 |
| Cash dividends to net income (ytd only)* | 42.4300% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5541% | 1,106 |
| 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 | 76.4670% | 1,404 |
| Net loans and leases to deposits | 87.9828% | 1,933 |
| Net loans and leases to core deposits | 93.4649% | 2,226 |
| Total domestic deposits to total assets | 86.9113% | 1,568 |
| Equity capital to assets | 12.4262% | 1,969 |
| Core capital (leverage) ratio | 12.3810% | 1,634 |
| Tier 1 risk-based capital ratio | 15.6084% | 2,600 |
| Total risk-based capital ratio | 16.8604% | 2,535 |
| Memoranda: | ||
| Average total assets | $91,798,500 | 4,166 |
| Average earning assets | $84,344,000 | 4,172 |
| Average equity | $10,843,750 | 4,183 |
| Average total loans | $66,130,000 | 3,897 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0491% | 1,354 |
| Cost of funding earning assets | 0.5430% | 3,918 |
| Net interest margin | 4.5061% | 762 |
| Noninterest income to average assets | 0.2835% | 4,048 |
| Noninterest expense to average assets | 2.8525% | 2,407 |
| Loan and lease loss provision to assets | 0.0346% | 3,135 |
| Net operating income to assets | 1.4801% | 1,204 |
| Return on assets (ROA) | 1.4739% | 1,273 |
| Pretax return on assets | 1.5388% | 1,732 |
| Return on Equity (ROE) | 12.6910% | 1,337 |
| Retained earnings to average equity (ytd only) | 7.5662% | 1,569 |
| Net charge-offs to loans | 0.0092% | 2,804 |
| Credit loss provision to net charge-offs | 533.3333% | 573 |
| Earnings coverage of net charge-offs (x) | 243.3333% | 334 |
| Efficiency ratio | 64.3555% | 3,078 |
| Assets per employee ($millions) | 4.2561% | 3,492 |
| Cash dividends to net income (ytd only)* | 40.3818% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6119% | 1,007 |
| 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 | 73.3480% | 1,994 |
| Net loans and leases to deposits | 84.1629% | 2,477 |
| Net loans and leases to core deposits | 90.9301% | 2,522 |
| Total domestic deposits to total assets | 87.1501% | 1,516 |
| Equity capital to assets | 12.2883% | 1,996 |
| Core capital (leverage) ratio | 12.1374% | 1,735 |
| Tier 1 risk-based capital ratio | 15.9207% | 2,446 |
| Total risk-based capital ratio | 17.1736% | 2,390 |
| Memoranda: | ||
| Average total assets | $92,410,330 | 4,186 |
| Average earning assets | $85,085,000 | 4,194 |
| Average equity | $10,732,000 | 4,209 |
| Average total loans | $64,880,670 | 3,959 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8696% | 1,690 |
| Cost of funding earning assets | 0.4976% | 4,070 |
| Net interest margin | 4.3721% | 961 |
| Noninterest income to average assets | 0.3194% | 3,725 |
| Noninterest expense to average assets | 2.9214% | 2,216 |
| Loan and lease loss provision to assets | 0.0681% | 2,305 |
| Net operating income to assets | 1.3159% | 1,641 |
| Return on assets (ROA) | 1.3159% | 1,686 |
| Pretax return on assets | 1.3713% | 2,186 |
| Return on Equity (ROE) | 11.6532% | 1,675 |
| Retained earnings to average equity (ytd only) | 7.3540% | 1,902 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9922% | 2,797 |
| Assets per employee ($millions) | 4.3794% | 3,360 |
| Cash dividends to net income (ytd only)* | 36.8932% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6814% | 896 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 68.4789% | 2,695 |
| Net loans and leases to deposits | 77.9093% | 3,069 |
| Net loans and leases to core deposits | 86.8626% | 2,788 |
| Total domestic deposits to total assets | 87.8957% | 1,393 |
| Equity capital to assets | 11.6683% | 2,258 |
| Core capital (leverage) ratio | 11.5800% | 2,078 |
| Tier 1 risk-based capital ratio | 15.9240% | 2,476 |
| Total risk-based capital ratio | 17.1779% | 2,405 |
| Memoranda: | ||
| Average total assets | $93,926,500 | 4,199 |
| Average earning assets | $86,824,000 | 4,205 |
| Average equity | $10,606,500 | 4,250 |
| Average total loans | $64,005,500 | 4,008 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7243% | 1,747 |
| Cost of funding earning assets | 0.3726% | 4,144 |
| Net interest margin | 4.3518% | 1,030 |
| Noninterest income to average assets | 0.3825% | 3,542 |
| Noninterest expense to average assets | 2.7332% | 2,920 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.5765% | 936 |
| Return on assets (ROA) | 1.5712% | 937 |
| Pretax return on assets | 1.6312% | 1,373 |
| Return on Equity (ROE) | 14.1021% | 1,024 |
| Retained earnings to average equity (ytd only) | 8.4433% | 1,067 |
| Net charge-offs to loans | 0.0065% | 3,462 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 368.0000% | 281 |
| Efficiency ratio | 62.5445% | 3,426 |
| Assets per employee ($millions) | 4.5660% | 3,064 |
| Cash dividends to net income (ytd only)* | 40.1274% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6590% | 907 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 65.5935% | 3,187 |
| Net loans and leases to deposits | 74.0063% | 3,500 |
| Net loans and leases to core deposits | 82.2565% | 3,239 |
| Total domestic deposits to total assets | 88.6323% | 1,010 |
| Equity capital to assets | 10.9317% | 2,757 |
| Core capital (leverage) ratio | 10.9464% | 2,573 |
| Tier 1 risk-based capital ratio | 15.5737% | 2,584 |
| Total risk-based capital ratio | 16.8272% | 2,508 |
| Memoranda: | ||
| Average total assets | $89,931,400 | 4,271 |
| Average earning assets | $82,403,000 | 4,272 |
| Average equity | $10,019,800 | 4,292 |
| Average total loans | $61,558,600 | 4,058 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6745% | 1,751 |
| Cost of funding earning assets | 0.3508% | 4,177 |
| Net interest margin | 4.3237% | 1,062 |
| Noninterest income to average assets | 0.3392% | 3,883 |
| Noninterest expense to average assets | 2.7211% | 2,915 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.5072% | 1,175 |
| Return on assets (ROA) | 1.5000% | 1,189 |
| Pretax return on assets | 1.5678% | 1,680 |
| Return on Equity (ROE) | 13.3946% | 1,301 |
| Retained earnings to average equity (ytd only) | 8.0502% | 1,625 |
| Net charge-offs to loans | 0.0087% | 3,107 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 261.4071% | 357 |
| Efficiency ratio | 63.3333% | 3,288 |
| Assets per employee ($millions) | 4.3921% | 3,288 |
| Cash dividends to net income (ytd only)* | 39.8996% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6356% | 996 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 69.1787% | 2,777 |
| Net loans and leases to deposits | 78.1929% | 3,220 |
| Net loans and leases to core deposits | 87.2479% | 2,900 |
| Total domestic deposits to total assets | 88.4718% | 1,061 |
| Equity capital to assets | 11.0533% | 2,613 |
| Core capital (leverage) ratio | 11.7831% | 1,927 |
| Tier 1 risk-based capital ratio | 15.6995% | 2,567 |
| Total risk-based capital ratio | 16.9539% | 2,499 |
| Memoranda: | ||
| Average total assets | $88,442,750 | 4,340 |
| Average earning assets | $80,947,750 | 4,349 |
| Average equity | $9,904,250 | 4,355 |
| Average total loans | $60,959,250 | 4,112 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5766% | 1,854 |
| Cost of funding earning assets | 0.3357% | 4,163 |
| Net interest margin | 4.2409% | 1,188 |
| Noninterest income to average assets | 0.2982% | 4,185 |
| Noninterest expense to average assets | 2.7438% | 2,864 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3765% | 1,515 |
| Return on assets (ROA) | 1.3765% | 1,520 |
| Pretax return on assets | 1.4384% | 2,025 |
| Return on Equity (ROE) | 12.2357% | 1,645 |
| Retained earnings to average equity (ytd only) | 7.3007% | 1,919 |
| Net charge-offs to loans | 0.0168% | 2,584 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 125.4000% | 598 |
| Efficiency ratio | 65.6061% | 3,040 |
| Assets per employee ($millions) | 4.1845% | 3,603 |
| Cash dividends to net income (ytd only)* | 40.3333% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6796% | 936 |
| 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 | 70.6105% | 2,486 |
| Net loans and leases to deposits | 80.0013% | 2,951 |
| Net loans and leases to core deposits | 89.8011% | 2,588 |
| Total domestic deposits to total assets | 88.2617% | 1,240 |
| Equity capital to assets | 11.3570% | 2,306 |
| Core capital (leverage) ratio | 11.3348% | 2,222 |
| Tier 1 risk-based capital ratio | 15.7934% | 2,516 |
| Total risk-based capital ratio | 17.0477% | 2,457 |
| Memoranda: | ||
| Average total assets | $87,178,670 | 4,394 |
| Average earning assets | $79,841,330 | 4,406 |
| Average equity | $9,807,330 | 4,408 |
| Average total loans | $59,656,330 | 4,168 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4249% | 2,110 |
| Cost of funding earning assets | 0.3085% | 4,281 |
| Net interest margin | 4.1164% | 1,397 |
| Noninterest income to average assets | 0.3271% | 3,965 |
| Noninterest expense to average assets | 2.7179% | 2,983 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2991% | 1,642 |
| Return on assets (ROA) | 1.2991% | 1,646 |
| Pretax return on assets | 1.3590% | 2,149 |
| Return on Equity (ROE) | 11.6037% | 1,720 |
| Retained earnings to average equity (ytd only) | 6.2134% | 2,621 |
| Net charge-offs to loans | 0.0207% | 2,083 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 98.3333% | 620 |
| Efficiency ratio | 66.6667% | 3,051 |
| Assets per employee ($millions) | 4.4381% | 3,267 |
| Cash dividends to net income (ytd only)* | 46.4539% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8565% | 707 |
| Loan loss allowance to noncurrent loans | 11,800.0000% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 5,076 |
| Noncurrent loans to loans | 0.0157% | 4,922 |
| Net loans and leases to total assets | 63.2508% | 3,402 |
| Net loans and leases to deposits | 71.3567% | 3,671 |
| Net loans and leases to core deposits | 80.1124% | 3,313 |
| Total domestic deposits to total assets | 88.6403% | 1,288 |
| Equity capital to assets | 11.0150% | 2,559 |
| Core capital (leverage) ratio | 11.0586% | 2,374 |
| Tier 1 risk-based capital ratio | 15.7413% | 2,576 |
| Total risk-based capital ratio | 16.9953% | 2,526 |
| Memoranda: | ||
| Average total assets | $86,830,500 | 4,449 |
| Average earning assets | $79,098,000 | 4,462 |
| Average equity | $9,721,000 | 4,466 |
| Average total loans | $57,930,000 | 4,252 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5800% | 1,486 |
| Cost of funding earning assets | 0.3004% | 4,136 |
| Net interest margin | 4.2796% | 1,012 |
| Noninterest income to average assets | 0.4240% | 3,480 |
| Noninterest expense to average assets | 2.6665% | 3,238 |
| Loan and lease loss provision to assets | 0.1478% | 1,543 |
| Net operating income to assets | 1.4793% | 849 |
| Return on assets (ROA) | 1.4793% | 866 |
| Pretax return on assets | 1.5447% | 1,470 |
| Return on Equity (ROE) | 13.0995% | 933 |
| Retained earnings to average equity (ytd only) | 8.1644% | 706 |
| Net charge-offs to loans | 0.0068% | 3,833 |
| Credit loss provision to net charge-offs | 3,050.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 349.2500% | 253 |
| Efficiency ratio | 61.1729% | 4,087 |
| Assets per employee ($millions) | 4.2450% | 3,584 |
| Cash dividends to net income (ytd only)* | 37.6740% | 2,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8157% | 758 |
| 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 | 67.8339% | 2,841 |
| Net loans and leases to deposits | 76.8669% | 3,243 |
| Net loans and leases to core deposits | 87.2922% | 2,789 |
| Total domestic deposits to total assets | 88.2485% | 1,377 |
| Equity capital to assets | 11.3840% | 2,299 |
| Core capital (leverage) ratio | 11.6601% | 1,823 |
| Tier 1 risk-based capital ratio | 15.3731% | 2,673 |
| Total risk-based capital ratio | 16.6279% | 2,610 |
| Memoranda: | ||
| Average total assets | $82,541,400 | 4,544 |
| Average earning assets | $75,895,200 | 4,540 |
| Average equity | $9,321,000 | 4,557 |
| Average total loans | $59,025,000 | 4,221 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5657% | 1,462 |
| Cost of funding earning assets | 0.2985% | 4,147 |
| Net interest margin | 4.2672% | 1,001 |
| Noninterest income to average assets | 0.4035% | 3,662 |
| Noninterest expense to average assets | 2.6275% | 3,328 |
| Loan and lease loss provision to assets | 0.1025% | 2,062 |
| Net operating income to assets | 1.5342% | 831 |
| Return on assets (ROA) | 1.5342% | 859 |
| Pretax return on assets | 1.6042% | 1,405 |
| Return on Equity (ROE) | 13.6145% | 908 |
| Retained earnings to average equity (ytd only) | 8.7780% | 920 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6231% | 4,114 |
| Assets per employee ($millions) | 4.0381% | 3,921 |
| Cash dividends to net income (ytd only)* | 35.5253% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6094% | 1,217 |
| 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 | 76.4543% | 1,510 |
| Net loans and leases to deposits | 87.2008% | 2,156 |
| Net loans and leases to core deposits | 101.9921% | 1,547 |
| Total domestic deposits to total assets | 87.6761% | 1,529 |
| Equity capital to assets | 11.8373% | 2,084 |
| Core capital (leverage) ratio | 11.9016% | 1,755 |
| Tier 1 risk-based capital ratio | 14.7962% | 3,014 |
| Total risk-based capital ratio | 16.0499% | 2,946 |
| Memoranda: | ||
| Average total assets | $81,951,750 | 4,601 |
| Average earning assets | $75,488,000 | 4,593 |
| Average equity | $9,235,000 | 4,625 |
| Average total loans | $59,117,250 | 4,265 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4497% | 1,669 |
| Cost of funding earning assets | 0.2935% | 4,142 |
| Net interest margin | 4.1563% | 1,185 |
| Noninterest income to average assets | 0.3352% | 4,148 |
| Noninterest expense to average assets | 2.5890% | 3,469 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4962% | 870 |
| Return on assets (ROA) | 1.4985% | 890 |
| Pretax return on assets | 1.5665% | 1,442 |
| Return on Equity (ROE) | 13.5208% | 920 |
| Retained earnings to average equity (ytd only) | 8.6340% | 958 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3392% | 3,932 |
| Assets per employee ($millions) | 4.1287% | 3,740 |
| Cash dividends to net income (ytd only)* | 36.1426% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5870% | 1,291 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 74.8617% | 1,720 |
| Net loans and leases to deposits | 85.3985% | 2,298 |
| Net loans and leases to core deposits | 96.3891% | 1,945 |
| Total domestic deposits to total assets | 87.6616% | 1,636 |
| Equity capital to assets | 11.9139% | 1,985 |
| Core capital (leverage) ratio | 11.5709% | 1,924 |
| Tier 1 risk-based capital ratio | 15.3759% | 2,767 |
| Total risk-based capital ratio | 16.6294% | 2,701 |
| Memoranda: | ||
| Average total assets | $82,348,330 | 4,624 |
| Average earning assets | $75,645,000 | 4,620 |
| Average equity | $9,126,670 | 4,665 |
| Average total loans | $57,904,330 | 4,315 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2693% | 2,046 |
| Cost of funding earning assets | 0.2860% | 4,185 |
| Net interest margin | 3.9833% | 1,513 |
| Noninterest income to average assets | 0.3416% | 4,112 |
| Noninterest expense to average assets | 2.5481% | 3,663 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3666% | 1,070 |
| Return on assets (ROA) | 1.3666% | 1,105 |
| Pretax return on assets | 1.4282% | 1,775 |
| Return on Equity (ROE) | 12.7759% | 1,044 |
| Retained earnings to average equity (ytd only) | 8.4285% | 1,300 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0811% | 3,818 |
| Assets per employee ($millions) | 4.6842% | 2,871 |
| Cash dividends to net income (ytd only)* | 34.0278% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6925% | 1,158 |
| 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 | 65.2379% | 3,085 |
| Net loans and leases to deposits | 73.4098% | 3,463 |
| Net loans and leases to core deposits | 81.9810% | 3,100 |
| Total domestic deposits to total assets | 88.8681% | 1,216 |
| Equity capital to assets | 10.8141% | 2,841 |
| Core capital (leverage) ratio | 10.9826% | 2,372 |
| Tier 1 risk-based capital ratio | 15.9070% | 2,589 |
| Total risk-based capital ratio | 17.1613% | 2,534 |
| Memoranda: | ||
| Average total assets | $84,299,500 | 4,634 |
| Average earning assets | $76,921,500 | 4,630 |
| Average equity | $9,017,000 | 4,715 |
| Average total loans | $57,020,000 | 4,377 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3786% | 1,884 |
| Cost of funding earning assets | 0.2808% | 4,248 |
| Net interest margin | 4.0978% | 1,382 |
| Noninterest income to average assets | 0.5474% | 2,929 |
| Noninterest expense to average assets | 2.6475% | 3,533 |
| Loan and lease loss provision to assets | 0.1417% | 1,763 |
| Net operating income to assets | 1.4243% | 959 |
| Return on assets (ROA) | 1.4243% | 984 |
| Pretax return on assets | 1.4873% | 1,625 |
| Return on Equity (ROE) | 13.6490% | 836 |
| Retained earnings to average equity (ytd only) | 8.5190% | 696 |
| Net charge-offs to loans | 0.1687% | 1,610 |
| Credit loss provision to net charge-offs | 118.1818% | 2,245 |
| Earnings coverage of net charge-offs (x) | 13.5859% | 2,356 |
| Efficiency ratio | 61.9088% | 4,270 |
| Assets per employee ($millions) | 4.6824% | 2,818 |
| Cash dividends to net income (ytd only)* | 37.5850% | 2,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6303% | 1,301 |
| Loan loss allowance to noncurrent loans | 1,786.7925% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.0629% | 5,080 |
| Noncurrent loans to loans | 0.0912% | 4,875 |
| Net loans and leases to total assets | 67.7954% | 2,812 |
| Net loans and leases to deposits | 76.1075% | 3,304 |
| Net loans and leases to core deposits | 84.9539% | 2,936 |
| Total domestic deposits to total assets | 89.0785% | 1,078 |
| Equity capital to assets | 10.5786% | 3,067 |
| Core capital (leverage) ratio | 10.6730% | 2,690 |
| Tier 1 risk-based capital ratio | 15.0623% | 2,941 |
| Total risk-based capital ratio | 16.3158% | 2,869 |
| Memoranda: | ||
| Average total assets | $82,567,200 | 4,681 |
| Average earning assets | $75,138,400 | 4,702 |
| Average equity | $8,616,000 | 4,820 |
| Average total loans | $58,672,200 | 4,343 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4196% | 1,800 |
| Cost of funding earning assets | 0.2796% | 4,298 |
| Net interest margin | 4.1400% | 1,276 |
| Noninterest income to average assets | 0.5162% | 3,144 |
| Noninterest expense to average assets | 2.6686% | 3,431 |
| Loan and lease loss provision to assets | 0.0682% | 2,858 |
| Net operating income to assets | 1.4869% | 903 |
| Return on assets (ROA) | 1.4869% | 947 |
| Pretax return on assets | 1.5534% | 1,523 |
| Return on Equity (ROE) | 14.2993% | 769 |
| Retained earnings to average equity (ytd only) | 9.1790% | 762 |
| Net charge-offs to loans | 0.2017% | 1,161 |
| Credit loss provision to net charge-offs | 47.1910% | 3,070 |
| Earnings coverage of net charge-offs (x) | 11.2251% | 2,513 |
| Efficiency ratio | 62.2020% | 4,192 |
| Assets per employee ($millions) | 4.1704% | 3,654 |
| Cash dividends to net income (ytd only)* | 35.8077% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4370% | 2,034 |
| Loan loss allowance to noncurrent loans | 9,800.0000% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 5,479 |
| Noncurrent loans to loans | 0.0147% | 5,340 |
| Net loans and leases to total assets | 76.3456% | 1,468 |
| Net loans and leases to deposits | 88.2570% | 1,984 |
| Net loans and leases to core deposits | 98.5533% | 1,766 |
| Total domestic deposits to total assets | 86.5038% | 2,124 |
| Equity capital to assets | 11.1526% | 2,851 |
| Core capital (leverage) ratio | 11.0795% | 2,371 |
| Tier 1 risk-based capital ratio | 14.0905% | 3,511 |
| Total risk-based capital ratio | 15.3418% | 3,435 |
| Memoranda: | ||
| Average total assets | $82,138,250 | 4,728 |
| Average earning assets | $74,876,500 | 4,744 |
| Average equity | $8,541,000 | 4,879 |
| Average total loans | $58,818,500 | 4,368 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3101% | 2,124 |
| Cost of funding earning assets | 0.2783% | 4,370 |
| Net interest margin | 4.0317% | 1,545 |
| Noninterest income to average assets | 0.4380% | 3,616 |
| Noninterest expense to average assets | 2.5847% | 3,775 |
| Loan and lease loss provision to assets | 0.0385% | 3,386 |
| Net operating income to assets | 1.4103% | 1,046 |
| Return on assets (ROA) | 1.4103% | 1,097 |
| Pretax return on assets | 1.4752% | 1,754 |
| Return on Equity (ROE) | 13.8824% | 855 |
| Retained earnings to average equity (ytd only) | 8.7890% | 907 |
| Net charge-offs to loans | 0.3071% | 774 |
| Credit loss provision to net charge-offs | 17.9775% | 2,944 |
| Earnings coverage of net charge-offs (x) | 7.0674% | 2,672 |
| Efficiency ratio | 63.0652% | 4,165 |
| Assets per employee ($millions) | 4.2238% | 3,515 |
| Cash dividends to net income (ytd only)* | 36.6894% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4727% | 1,974 |
| Loan loss allowance to noncurrent loans | 7,133.3333% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0150% | 5,549 |
| Noncurrent loans to loans | 0.0206% | 5,389 |
| Net loans and leases to total assets | 71.3590% | 2,273 |
| Net loans and leases to deposits | 80.2958% | 2,892 |
| Net loans and leases to core deposits | 89.9887% | 2,534 |
| Total domestic deposits to total assets | 88.8701% | 977 |
| Equity capital to assets | 10.7711% | 3,318 |
| Core capital (leverage) ratio | 10.6597% | 2,785 |
| Tier 1 risk-based capital ratio | 14.6220% | 3,240 |
| Total risk-based capital ratio | 15.8749% | 3,180 |
| Memoranda: | ||
| Average total assets | $83,105,330 | 4,739 |
| Average earning assets | $75,451,330 | 4,770 |
| Average equity | $8,442,330 | 4,935 |
| Average total loans | $57,966,000 | 4,407 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3370% | 2,006 |
| Cost of funding earning assets | 0.2727% | 4,469 |
| Net interest margin | 4.0643% | 1,436 |
| Noninterest income to average assets | 0.4353% | 3,575 |
| Noninterest expense to average assets | 2.5789% | 3,814 |
| Loan and lease loss provision to assets | 0.0189% | 3,443 |
| Net operating income to assets | 1.4385% | 969 |
| Return on assets (ROA) | 1.4385% | 1,014 |
| Pretax return on assets | 1.5048% | 1,567 |
| Return on Equity (ROE) | 14.5777% | 732 |
| Retained earnings to average equity (ytd only) | 9.6386% | 942 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8604% | 4,318 |
| Assets per employee ($millions) | 4.3072% | 3,393 |
| Cash dividends to net income (ytd only)* | 33.8816% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6019% | 1,605 |
| Loan loss allowance to noncurrent loans | 542.4419% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.2102% | 4,713 |
| Noncurrent loans to loans | 0.2953% | 4,373 |
| Net loans and leases to total assets | 70.0327% | 2,336 |
| Net loans and leases to deposits | 78.3454% | 2,965 |
| Net loans and leases to core deposits | 87.4058% | 2,623 |
| Total domestic deposits to total assets | 89.3898% | 893 |
| Equity capital to assets | 10.3304% | 3,709 |
| Core capital (leverage) ratio | 10.0187% | 3,521 |
| Tier 1 risk-based capital ratio | 13.8083% | 3,807 |
| Total risk-based capital ratio | 15.0628% | 3,744 |
| Memoranda: | ||
| Average total assets | $84,532,000 | 4,757 |
| Average earning assets | $76,274,000 | 4,790 |
| Average equity | $8,341,500 | 4,989 |
| Average total loans | $57,887,500 | 4,447 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3113% | 2,191 |
| Cost of funding earning assets | 0.2633% | 4,664 |
| Net interest margin | 4.0479% | 1,566 |
| Noninterest income to average assets | 0.5322% | 3,130 |
| Noninterest expense to average assets | 2.7072% | 3,559 |
| Loan and lease loss provision to assets | 0.1024% | 2,275 |
| Net operating income to assets | 1.3380% | 1,181 |
| Return on assets (ROA) | 1.3380% | 1,222 |
| Pretax return on assets | 1.3905% | 1,938 |
| Return on Equity (ROE) | 14.0110% | 838 |
| Retained earnings to average equity (ytd only) | 8.4642% | 787 |
| Net charge-offs to loans | -0.0055% | 4,992 |
| Credit loss provision to net charge-offs | -2,733.3333% | 5,675 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4557% | 4,178 |
| Assets per employee ($millions) | 4.5909% | 2,895 |
| Cash dividends to net income (ytd only)* | 39.5892% | 2,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6148% | 1,570 |
| Loan loss allowance to noncurrent loans | 787.2881% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.1353% | 5,053 |
| Noncurrent loans to loans | 0.2051% | 4,679 |
| Net loans and leases to total assets | 64.8886% | 3,140 |
| Net loans and leases to deposits | 71.8341% | 3,734 |
| Net loans and leases to core deposits | 79.5349% | 3,394 |
| Total domestic deposits to total assets | 90.3311% | 489 |
| Equity capital to assets | 9.4339% | 4,631 |
| Core capital (leverage) ratio | 9.9778% | 3,543 |
| Tier 1 risk-based capital ratio | 13.9001% | 3,771 |
| Total risk-based capital ratio | 15.1533% | 3,699 |
| Memoranda: | ||
| Average total assets | $80,045,800 | 4,875 |
| Average earning assets | $72,530,800 | 4,885 |
| Average equity | $7,644,000 | 5,123 |
| Average total loans | $54,719,200 | 4,538 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3324% | 2,130 |
| Cost of funding earning assets | 0.2627% | 4,749 |
| Net interest margin | 4.0697% | 1,491 |
| Noninterest income to average assets | 0.4226% | 3,922 |
| Noninterest expense to average assets | 2.7518% | 3,377 |
| Loan and lease loss provision to assets | 0.0869% | 2,423 |
| Net operating income to assets | 1.2234% | 1,575 |
| Return on assets (ROA) | 1.2234% | 1,636 |
| Pretax return on assets | 1.2796% | 2,474 |
| Return on Equity (ROE) | 12.7680% | 1,179 |
| Retained earnings to average equity (ytd only) | 7.3798% | 1,506 |
| Net charge-offs to loans | -0.0074% | 4,905 |
| Credit loss provision to net charge-offs | -1,700.0000% | 5,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8184% | 3,751 |
| Assets per employee ($millions) | 4.3747% | 3,207 |
| Cash dividends to net income (ytd only)* | 42.2005% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5348% | 2,016 |
| Loan loss allowance to noncurrent loans | 742.1488% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.1537% | 5,149 |
| Noncurrent loans to loans | 0.2068% | 4,819 |
| Net loans and leases to total assets | 73.1637% | 1,876 |
| Net loans and leases to deposits | 81.7621% | 2,670 |
| Net loans and leases to core deposits | 90.2429% | 2,440 |
| Total domestic deposits to total assets | 89.4836% | 780 |
| Equity capital to assets | 10.1951% | 3,941 |
| Core capital (leverage) ratio | 9.9693% | 3,678 |
| Tier 1 risk-based capital ratio | 13.2866% | 4,265 |
| Total risk-based capital ratio | 14.5393% | 4,189 |
| Memoranda: | ||
| Average total assets | $78,250,250 | 4,962 |
| Average earning assets | $71,060,000 | 4,969 |
| Average equity | $7,497,750 | 5,211 |
| Average total loans | $54,016,500 | 4,602 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2223% | 2,467 |
| Cost of funding earning assets | 0.2575% | 4,866 |
| Net interest margin | 3.9648% | 1,760 |
| Noninterest income to average assets | 0.4201% | 3,923 |
| Noninterest expense to average assets | 2.7483% | 3,419 |
| Loan and lease loss provision to assets | 0.0333% | 3,452 |
| Net operating income to assets | 1.1731% | 1,685 |
| Return on assets (ROA) | 1.1731% | 1,756 |
| Pretax return on assets | 1.2269% | 2,663 |
| Return on Equity (ROE) | 12.5120% | 1,219 |
| Retained earnings to average equity (ytd only) | 7.2121% | 1,613 |
| Net charge-offs to loans | -0.0114% | 4,968 |
| Credit loss provision to net charge-offs | -433.3333% | 5,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5623% | 3,581 |
| Assets per employee ($millions) | 4.3182% | 3,269 |
| Cash dividends to net income (ytd only)* | 42.3581% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5700% | 2,012 |
| Loan loss allowance to noncurrent loans | 767.8571% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.1441% | 5,285 |
| Noncurrent loans to loans | 0.2045% | 4,953 |
| Net loans and leases to total assets | 69.3684% | 2,432 |
| Net loans and leases to deposits | 77.3750% | 3,109 |
| Net loans and leases to core deposits | 85.1314% | 2,869 |
| Total domestic deposits to total assets | 89.6522% | 815 |
| Equity capital to assets | 10.0982% | 3,925 |
| Core capital (leverage) ratio | 10.2602% | 3,269 |
| Tier 1 risk-based capital ratio | 13.8580% | 4,003 |
| Total risk-based capital ratio | 15.1119% | 3,935 |
| Memoranda: | ||
| Average total assets | $78,085,670 | 5,017 |
| Average earning assets | $70,671,670 | 5,027 |
| Average equity | $7,321,000 | 5,294 |
| Average total loans | $52,518,670 | 4,688 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1095% | 2,789 |
| Cost of funding earning assets | 0.2604% | 4,899 |
| Net interest margin | 3.8491% | 2,070 |
| Noninterest income to average assets | 0.4344% | 3,734 |
| Noninterest expense to average assets | 2.5912% | 3,972 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2624% | 1,375 |
| Return on assets (ROA) | 1.2624% | 1,461 |
| Pretax return on assets | 1.3186% | 2,205 |
| Return on Equity (ROE) | 14.0003% | 877 |
| Retained earnings to average equity (ytd only) | 9.0123% | 1,187 |
| Net charge-offs to loans | -0.0234% | 5,113 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2745% | 4,103 |
| Assets per employee ($millions) | 4.2606% | 3,446 |
| Cash dividends to net income (ytd only)* | 35.6275% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6639% | 1,840 |
| Loan loss allowance to noncurrent loans | 736.5217% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.1500% | 5,353 |
| Noncurrent loans to loans | 0.2259% | 4,963 |
| Net loans and leases to total assets | 65.2736% | 2,883 |
| Net loans and leases to deposits | 72.1498% | 3,522 |
| Net loans and leases to core deposits | 77.8510% | 3,397 |
| Total domestic deposits to total assets | 90.4695% | 540 |
| Equity capital to assets | 9.3166% | 4,943 |
| Core capital (leverage) ratio | 9.4098% | 4,414 |
| Tier 1 risk-based capital ratio | 13.2655% | 4,456 |
| Total risk-based capital ratio | 14.5191% | 4,367 |
| Memoranda: | ||
| Average total assets | $78,265,000 | 5,063 |
| Average earning assets | $70,665,000 | 5,074 |
| Average equity | $7,057,000 | 5,394 |
| Average total loans | $51,389,000 | 4,753 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5503% | 1,697 |
| Cost of funding earning assets | 0.2844% | 4,961 |
| Net interest margin | 4.2659% | 1,122 |
| Noninterest income to average assets | 0.5868% | 2,940 |
| Noninterest expense to average assets | 2.5749% | 4,308 |
| Loan and lease loss provision to assets | 0.1822% | 1,411 |
| Net operating income to assets | 1.5893% | 723 |
| Return on assets (ROA) | 1.5946% | 747 |
| Pretax return on assets | 1.6664% | 1,055 |
| Return on Equity (ROE) | 17.4282% | 448 |
| Retained earnings to average equity (ytd only) | 9.8986% | 535 |
| Net charge-offs to loans | 0.0081% | 4,760 |
| Credit loss provision to net charge-offs | 3,300.0000% | 88 |
| Earnings coverage of net charge-offs (x) | 333.7500% | 163 |
| Efficiency ratio | 58.2813% | 5,429 |
| Assets per employee ($millions) | 4.4355% | 3,142 |
| Cash dividends to net income (ytd only)* | 43.2035% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6271% | 2,000 |
| Loan loss allowance to noncurrent loans | 680.6452% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.1553% | 5,402 |
| Noncurrent loans to loans | 0.2390% | 4,973 |
| Net loans and leases to total assets | 63.9136% | 3,235 |
| Net loans and leases to deposits | 70.1696% | 3,890 |
| Net loans and leases to core deposits | 74.3382% | 3,893 |
| Total domestic deposits to total assets | 91.0846% | 341 |
| Equity capital to assets | 8.7288% | 5,558 |
| Core capital (leverage) ratio | 9.0399% | 4,930 |
| Tier 1 risk-based capital ratio | 13.0517% | 4,696 |
| Total risk-based capital ratio | 14.3056% | 4,605 |
| Memoranda: | ||
| Average total assets | $72,430,800 | 5,220 |
| Average earning assets | $65,050,400 | 5,250 |
| Average equity | $6,627,200 | 5,498 |
| Average total loans | $49,091,600 | 4,849 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6317% | 1,484 |
| Cost of funding earning assets | 0.2891% | 5,000 |
| Net interest margin | 4.3426% | 969 |
| Noninterest income to average assets | 0.5025% | 3,531 |
| Noninterest expense to average assets | 2.5862% | 4,238 |
| Loan and lease loss provision to assets | 0.1077% | 2,243 |
| Net operating income to assets | 1.6230% | 712 |
| Return on assets (ROA) | 1.6303% | 725 |
| Pretax return on assets | 1.7040% | 1,057 |
| Return on Equity (ROE) | 17.5892% | 481 |
| Retained earnings to average equity (ytd only) | 9.9461% | 724 |
| Net charge-offs to loans | 0.0138% | 4,279 |
| Credit loss provision to net charge-offs | 1,140.0000% | 298 |
| Earnings coverage of net charge-offs (x) | 190.8996% | 335 |
| Efficiency ratio | 58.9071% | 5,320 |
| Assets per employee ($millions) | 4.2959% | 3,299 |
| Cash dividends to net income (ytd only)* | 43.4532% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3966% | 3,195 |
| Loan loss allowance to noncurrent loans | 9,600.0000% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.0110% | 6,138 |
| Noncurrent loans to loans | 0.0145% | 5,976 |
| Net loans and leases to total assets | 74.2448% | 1,485 |
| Net loans and leases to deposits | 82.1045% | 2,410 |
| Net loans and leases to core deposits | 90.8103% | 2,145 |
| Total domestic deposits to total assets | 90.4272% | 559 |
| Equity capital to assets | 9.3071% | 5,026 |
| Core capital (leverage) ratio | 9.7201% | 4,048 |
| Tier 1 risk-based capital ratio | 11.8961% | 5,556 |
| Total risk-based capital ratio | 13.1466% | 5,475 |
| Memoranda: | ||
| Average total assets | $70,578,750 | 5,326 |
| Average earning assets | $63,186,500 | 5,362 |
| Average equity | $6,541,750 | 5,564 |
| Average total loans | $48,396,500 | 4,922 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5268% | 1,745 |
| Cost of funding earning assets | 0.2911% | 5,066 |
| Net interest margin | 4.2357% | 1,166 |
| Noninterest income to average assets | 0.4530% | 3,854 |
| Noninterest expense to average assets | 2.5429% | 4,447 |
| Loan and lease loss provision to assets | 0.0229% | 3,820 |
| Net operating income to assets | 1.6102% | 690 |
| Return on assets (ROA) | 1.6542% | 669 |
| Pretax return on assets | 1.7287% | 965 |
| Return on Equity (ROE) | 17.8730% | 470 |
| Retained earnings to average equity (ytd only) | 10.7486% | 576 |
| Net charge-offs to loans | 0.0173% | 3,876 |
| Credit loss provision to net charge-offs | 200.0000% | 1,157 |
| Earnings coverage of net charge-offs (x) | 148.7500% | 414 |
| Efficiency ratio | 59.8516% | 5,314 |
| Assets per employee ($millions) | 3.8019% | 4,250 |
| Cash dividends to net income (ytd only)* | 39.8614% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4664% | 3,048 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 70.6973% | 1,965 |
| Net loans and leases to deposits | 78.5521% | 2,725 |
| Net loans and leases to core deposits | 86.7245% | 2,444 |
| Total domestic deposits to total assets | 90.0006% | 814 |
| Equity capital to assets | 9.7612% | 4,418 |
| Core capital (leverage) ratio | 9.7966% | 3,891 |
| Tier 1 risk-based capital ratio | 13.0254% | 4,893 |
| Total risk-based capital ratio | 14.2781% | 4,827 |
| Memoranda: | ||
| Average total assets | $69,761,670 | 5,397 |
| Average earning assets | $62,516,330 | 5,436 |
| Average equity | $6,456,670 | 5,612 |
| Average total loans | $46,199,000 | 5,024 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3769% | 2,242 |
| Cost of funding earning assets | 0.2850% | 5,219 |
| Net interest margin | 4.0919% | 1,479 |
| Noninterest income to average assets | 0.4317% | 3,937 |
| Noninterest expense to average assets | 2.4934% | 4,645 |
| Loan and lease loss provision to assets | 0.0454% | 3,192 |
| Net operating income to assets | 1.4881% | 840 |
| Return on assets (ROA) | 1.4881% | 868 |
| Pretax return on assets | 1.5619% | 1,257 |
| Return on Equity (ROE) | 16.5169% | 586 |
| Retained earnings to average equity (ytd only) | 10.5280% | 832 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8033% | 5,292 |
| Assets per employee ($millions) | 4.1653% | 3,603 |
| Cash dividends to net income (ytd only)* | 36.2595% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5834% | 2,777 |
| 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 | 63.5503% | 2,974 |
| Net loans and leases to deposits | 70.0673% | 3,594 |
| Net loans and leases to core deposits | 73.8662% | 3,661 |
| Total domestic deposits to total assets | 90.6991% | 686 |
| Equity capital to assets | 9.1046% | 4,995 |
| Core capital (leverage) ratio | 9.3989% | 4,424 |
| Tier 1 risk-based capital ratio | 13.4245% | 4,749 |
| Total risk-based capital ratio | 14.6769% | 4,679 |
| Memoranda: | ||
| Average total assets | $70,425,500 | 5,431 |
| Average earning assets | $63,149,500 | 5,467 |
| Average equity | $6,345,000 | 5,678 |
| Average total loans | $44,748,000 | 5,131 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4806% | 2,283 |
| Cost of funding earning assets | 0.3388% | 5,254 |
| Net interest margin | 4.1418% | 1,534 |
| Noninterest income to average assets | 0.5697% | 3,274 |
| Noninterest expense to average assets | 2.5795% | 4,535 |
| Loan and lease loss provision to assets | 0.1007% | 3,123 |
| Net operating income to assets | 1.5439% | 762 |
| Return on assets (ROA) | 1.5468% | 789 |
| Pretax return on assets | 1.6234% | 1,113 |
| Return on Equity (ROE) | 17.2860% | 478 |
| Retained earnings to average equity (ytd only) | 11.2384% | 390 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9790% | 5,474 |
| Assets per employee ($millions) | 4.1201% | 3,598 |
| Cash dividends to net income (ytd only)* | 34.9854% | 3,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6357% | 2,624 |
| 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 | 61.4726% | 3,447 |
| Net loans and leases to deposits | 67.6492% | 4,098 |
| Net loans and leases to core deposits | 71.9531% | 4,078 |
| Total domestic deposits to total assets | 90.8696% | 626 |
| Equity capital to assets | 8.9134% | 5,138 |
| Core capital (leverage) ratio | 9.2475% | 4,641 |
| Tier 1 risk-based capital ratio | 13.5211% | 4,640 |
| Total risk-based capital ratio | 14.7752% | 4,581 |
| Memoranda: | ||
| Average total assets | $66,525,600 | 5,579 |
| Average earning assets | $59,925,000 | 5,594 |
| Average equity | $5,952,800 | 5,833 |
| Average total loans | $41,530,400 | 5,286 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5165% | 2,169 |
| Cost of funding earning assets | 0.3530% | 5,267 |
| Net interest margin | 4.1636% | 1,442 |
| Noninterest income to average assets | 0.5037% | 3,779 |
| Noninterest expense to average assets | 2.5794% | 4,464 |
| Loan and lease loss provision to assets | 0.1361% | 2,581 |
| Net operating income to assets | 1.4827% | 926 |
| Return on assets (ROA) | 1.4847% | 971 |
| Pretax return on assets | 1.5517% | 1,462 |
| Return on Equity (ROE) | 16.5748% | 582 |
| Retained earnings to average equity (ytd only) | 10.6795% | 643 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4762% | 5,361 |
| Assets per employee ($millions) | 3.7401% | 4,368 |
| Cash dividends to net income (ytd only)* | 35.5680% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6478% | 2,807 |
| 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 | 67.2140% | 2,426 |
| Net loans and leases to deposits | 75.7946% | 2,987 |
| Net loans and leases to core deposits | 82.5992% | 2,822 |
| Total domestic deposits to total assets | 88.6792% | 1,734 |
| Equity capital to assets | 9.5546% | 4,481 |
| Core capital (leverage) ratio | 9.3881% | 4,545 |
| Tier 1 risk-based capital ratio | 13.2607% | 4,929 |
| Total risk-based capital ratio | 14.5155% | 4,871 |
| Memoranda: | ||
| Average total assets | $65,646,750 | 5,661 |
| Average earning assets | $59,306,500 | 5,674 |
| Average equity | $5,880,250 | 5,918 |
| Average total loans | $40,970,000 | 5,357 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4222% | 2,484 |
| Cost of funding earning assets | 0.3632% | 5,291 |
| Net interest margin | 4.0590% | 1,665 |
| Noninterest income to average assets | 0.4191% | 4,383 |
| Noninterest expense to average assets | 2.4271% | 4,973 |
| Loan and lease loss provision to assets | 0.2020% | 1,875 |
| Net operating income to assets | 1.3687% | 1,146 |
| Return on assets (ROA) | 1.3658% | 1,235 |
| Pretax return on assets | 1.4261% | 1,849 |
| Return on Equity (ROE) | 15.5795% | 721 |
| Retained earnings to average equity (ytd only) | 9.9049% | 868 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8068% | 5,507 |
| Assets per employee ($millions) | 3.8692% | 4,068 |
| Cash dividends to net income (ytd only)* | 36.4238% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7079% | 2,755 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 62.6490% | 3,171 |
| Net loans and leases to deposits | 68.8763% | 3,879 |
| Net loans and leases to core deposits | 74.6251% | 3,714 |
| Total domestic deposits to total assets | 90.9587% | 561 |
| Equity capital to assets | 8.8360% | 5,404 |
| Core capital (leverage) ratio | 9.2936% | 4,552 |
| Tier 1 risk-based capital ratio | 13.7920% | 4,573 |
| Total risk-based capital ratio | 15.0462% | 4,536 |
| Memoranda: | ||
| Average total assets | $66,335,000 | 5,678 |
| Average earning assets | $59,472,330 | 5,709 |
| Average equity | $5,815,330 | 5,970 |
| Average total loans | $40,142,670 | 5,420 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3796% | 2,595 |
| Cost of funding earning assets | 0.3914% | 5,191 |
| Net interest margin | 3.9882% | 1,835 |
| Noninterest income to average assets | 0.4143% | 4,355 |
| Noninterest expense to average assets | 2.4859% | 4,804 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4171% | 1,000 |
| Return on assets (ROA) | 1.4171% | 1,084 |
| Pretax return on assets | 1.4772% | 1,625 |
| Return on Equity (ROE) | 16.2283% | 582 |
| Retained earnings to average equity (ytd only) | 10.3834% | 1,012 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7273% | 5,194 |
| Assets per employee ($millions) | 3.7769% | 4,401 |
| Cash dividends to net income (ytd only)* | 36.0169% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6543% | 3,183 |
| 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 | 60.0916% | 3,411 |
| Net loans and leases to deposits | 66.3337% | 4,011 |
| Net loans and leases to core deposits | 71.9349% | 3,822 |
| Total domestic deposits to total assets | 90.5898% | 722 |
| Equity capital to assets | 9.1594% | 5,299 |
| Core capital (leverage) ratio | 8.7098% | 5,316 |
| Tier 1 risk-based capital ratio | 13.7036% | 4,718 |
| Total risk-based capital ratio | 14.9580% | 4,680 |
| Memoranda: | ||
| Average total assets | $66,614,500 | 5,720 |
| Average earning assets | $59,274,500 | 5,768 |
| Average equity | $5,817,000 | 6,030 |
| Average total loans | $39,252,000 | 5,498 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9434% | 1,705 |
| Cost of funding earning assets | 0.4702% | 5,421 |
| Net interest margin | 4.4732% | 992 |
| Noninterest income to average assets | 0.4363% | 4,350 |
| Noninterest expense to average assets | 2.5011% | 5,088 |
| Loan and lease loss provision to assets | 0.2931% | 2,333 |
| Net operating income to assets | 1.5080% | 899 |
| Return on assets (ROA) | 1.5033% | 1,001 |
| Pretax return on assets | 1.5691% | 1,463 |
| Return on Equity (ROE) | 16.6728% | 572 |
| Retained earnings to average equity (ytd only) | 10.5917% | 489 |
| Net charge-offs to loans | 0.0867% | 4,812 |
| Credit loss provision to net charge-offs | 539.3939% | 449 |
| Earnings coverage of net charge-offs (x) | 34.3636% | 909 |
| Efficiency ratio | 57.2559% | 5,926 |
| Assets per employee ($millions) | 4.0601% | 3,835 |
| Cash dividends to net income (ytd only)* | 36.4732% | 3,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6526% | 3,107 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 55.9575% | 4,297 |
| Net loans and leases to deposits | 61.2160% | 4,881 |
| Net loans and leases to core deposits | 66.2669% | 4,713 |
| Total domestic deposits to total assets | 91.4100% | 363 |
| Equity capital to assets | 8.3350% | 6,171 |
| Core capital (leverage) ratio | 8.6052% | 5,454 |
| Tier 1 risk-based capital ratio | 13.3766% | 4,836 |
| Total risk-based capital ratio | 14.6293% | 4,790 |
| Memoranda: | ||
| Average total assets | $60,734,400 | 5,902 |
| Average earning assets | $53,384,200 | 5,943 |
| Average equity | $5,476,000 | 6,153 |
| Average total loans | $38,077,600 | 5,585 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1072% | 1,415 |
| Cost of funding earning assets | 0.4911% | 5,501 |
| Net interest margin | 4.6161% | 792 |
| Noninterest income to average assets | 0.3864% | 4,735 |
| Noninterest expense to average assets | 2.5297% | 4,988 |
| Loan and lease loss provision to assets | 0.1432% | 3,741 |
| Net operating income to assets | 1.6975% | 685 |
| Return on assets (ROA) | 1.6910% | 773 |
| Pretax return on assets | 1.7660% | 1,133 |
| Return on Equity (ROE) | 18.3471% | 464 |
| Retained earnings to average equity (ytd only) | 12.4039% | 463 |
| Net charge-offs to loans | 0.1129% | 4,254 |
| Credit loss provision to net charge-offs | 196.8750% | 1,410 |
| Earnings coverage of net charge-offs (x) | 26.3410% | 1,218 |
| Efficiency ratio | 56.9018% | 5,932 |
| Assets per employee ($millions) | 3.5014% | 4,980 |
| Cash dividends to net income (ytd only)* | 32.3928% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3397% | 4,633 |
| 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 | 66.1901% | 2,618 |
| Net loans and leases to deposits | 73.4891% | 3,368 |
| Net loans and leases to core deposits | 79.3311% | 3,290 |
| Total domestic deposits to total assets | 90.0679% | 809 |
| Equity capital to assets | 9.5961% | 5,065 |
| Core capital (leverage) ratio | 9.3337% | 4,526 |
| Tier 1 risk-based capital ratio | 12.9501% | 5,291 |
| Total risk-based capital ratio | 14.2010% | 5,255 |
| Memoranda: | ||
| Average total assets | $58,662,500 | 6,023 |
| Average earning assets | $51,586,000 | 6,065 |
| Average equity | $5,406,750 | 6,241 |
| Average total loans | $37,779,000 | 5,660 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0837% | 1,549 |
| Cost of funding earning assets | 0.5111% | 5,545 |
| Net interest margin | 4.5726% | 871 |
| Noninterest income to average assets | 0.3323% | 5,169 |
| Noninterest expense to average assets | 2.4908% | 5,170 |
| Loan and lease loss provision to assets | 0.0206% | 5,409 |
| Net operating income to assets | 1.7268% | 637 |
| Return on assets (ROA) | 1.7268% | 718 |
| Pretax return on assets | 1.8056% | 1,033 |
| Return on Equity (ROE) | 19.0009% | 414 |
| Retained earnings to average equity (ytd only) | 12.7050% | 476 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6984% | 5,905 |
| Assets per employee ($millions) | 3.8728% | 4,141 |
| Cash dividends to net income (ytd only)* | 33.1349% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2690% | 5,040 |
| Loan loss allowance to noncurrent loans | 1,000.0000% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.0878% | 6,584 |
| Noncurrent loans to loans | 0.1269% | 6,349 |
| Net loans and leases to total assets | 68.3037% | 2,233 |
| Net loans and leases to deposits | 75.6713% | 3,035 |
| Net loans and leases to core deposits | 83.1235% | 2,813 |
| Total domestic deposits to total assets | 90.2637% | 781 |
| Equity capital to assets | 9.4695% | 5,105 |
| Core capital (leverage) ratio | 9.0561% | 4,829 |
| Tier 1 risk-based capital ratio | 12.5146% | 5,556 |
| Total risk-based capital ratio | 13.7047% | 5,579 |
| Memoranda: | ||
| Average total assets | $58,375,330 | 6,066 |
| Average earning assets | $50,868,000 | 6,122 |
| Average equity | $5,305,000 | 6,302 |
| Average total loans | $37,060,670 | 5,732 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0756% | 1,650 |
| Cost of funding earning assets | 0.5204% | 5,675 |
| Net interest margin | 4.5552% | 904 |
| Noninterest income to average assets | 0.3144% | 5,356 |
| Noninterest expense to average assets | 2.4335% | 5,360 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.6952% | 727 |
| Return on assets (ROA) | 1.6952% | 808 |
| Pretax return on assets | 1.7704% | 1,148 |
| Return on Equity (ROE) | 19.0513% | 451 |
| Retained earnings to average equity (ytd only) | 12.9057% | 698 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8862% | 5,932 |
| Assets per employee ($millions) | 3.6265% | 4,809 |
| Cash dividends to net income (ytd only)* | 32.2581% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4111% | 4,562 |
| Loan loss allowance to noncurrent loans | 1,737.9310% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.0500% | 6,772 |
| Noncurrent loans to loans | 0.0812% | 6,549 |
| Net loans and leases to total assets | 60.6852% | 3,515 |
| Net loans and leases to deposits | 67.0054% | 4,230 |
| Net loans and leases to core deposits | 73.0828% | 4,006 |
| Total domestic deposits to total assets | 90.5677% | 767 |
| Equity capital to assets | 9.1583% | 5,282 |
| Core capital (leverage) ratio | 9.0530% | 4,761 |
| Tier 1 risk-based capital ratio | 13.7988% | 4,614 |
| Total risk-based capital ratio | 15.0501% | 4,593 |
| Memoranda: | ||
| Average total assets | $58,517,000 | 6,108 |
| Average earning assets | $49,965,000 | 6,196 |
| Average equity | $5,207,000 | 6,362 |
| Average total loans | $35,496,500 | 5,846 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3180% | 1,648 |
| Cost of funding earning assets | 0.8122% | 4,775 |
| Net interest margin | 4.5058% | 1,115 |
| Noninterest income to average assets | 0.4818% | 3,985 |
| Noninterest expense to average assets | 2.6751% | 4,838 |
| Loan and lease loss provision to assets | 0.2844% | 3,387 |
| Net operating income to assets | 1.2787% | 1,297 |
| Return on assets (ROA) | 1.2787% | 1,397 |
| Pretax return on assets | 1.3403% | 1,980 |
| Return on Equity (ROE) | 14.7594% | 787 |
| Retained earnings to average equity (ytd only) | 10.9964% | 406 |
| Net charge-offs to loans | 0.2090% | 4,487 |
| Credit loss provision to net charge-offs | 224.2857% | 1,084 |
| Earnings coverage of net charge-offs (x) | 12.8143% | 1,592 |
| Efficiency ratio | 62.2157% | 5,426 |
| Assets per employee ($millions) | 3.9340% | 3,996 |
| Cash dividends to net income (ytd only)* | 25.4958% | 3,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4287% | 4,338 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 58.9273% | 4,207 |
| Net loans and leases to deposits | 64.7265% | 4,906 |
| Net loans and leases to core deposits | 70.0842% | 4,768 |
| Total domestic deposits to total assets | 91.0405% | 491 |
| Equity capital to assets | 8.6426% | 5,968 |
| Core capital (leverage) ratio | 8.6438% | 5,324 |
| Tier 1 risk-based capital ratio | 13.2777% | 4,856 |
| Total risk-based capital ratio | 14.5299% | 4,835 |
| Memoranda: | ||
| Average total assets | $55,213,200 | 6,193 |
| Average earning assets | $46,784,200 | 6,303 |
| Average equity | $4,783,400 | 6,508 |
| Average total loans | $33,486,800 | 5,978 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3819% | 1,564 |
| Cost of funding earning assets | 0.8936% | 4,442 |
| Net interest margin | 4.4883% | 1,177 |
| Noninterest income to average assets | 0.4791% | 4,048 |
| Noninterest expense to average assets | 2.7101% | 4,685 |
| Loan and lease loss provision to assets | 0.3022% | 3,111 |
| Net operating income to assets | 1.2531% | 1,508 |
| Return on assets (ROA) | 1.2531% | 1,612 |
| Pretax return on assets | 1.2678% | 2,410 |
| Return on Equity (ROE) | 14.4546% | 949 |
| Retained earnings to average equity (ytd only) | 10.6285% | 696 |
| Net charge-offs to loans | 0.2744% | 3,717 |
| Credit loss provision to net charge-offs | 180.8824% | 1,640 |
| Earnings coverage of net charge-offs (x) | 9.3975% | 2,056 |
| Efficiency ratio | 63.3180% | 5,176 |
| Assets per employee ($millions) | 3.4551% | 5,112 |
| Cash dividends to net income (ytd only)* | 26.4714% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3468% | 4,790 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 62.5430% | 3,599 |
| Net loans and leases to deposits | 68.9858% | 4,451 |
| Net loans and leases to core deposits | 74.3229% | 4,405 |
| Total domestic deposits to total assets | 90.6606% | 568 |
| Equity capital to assets | 9.0228% | 5,734 |
| Core capital (leverage) ratio | 9.0610% | 4,837 |
| Tier 1 risk-based capital ratio | 13.0146% | 5,087 |
| Total risk-based capital ratio | 14.2640% | 5,057 |
| Memoranda: | ||
| Average total assets | $54,264,000 | 6,274 |
| Average earning assets | $45,955,000 | 6,387 |
| Average equity | $4,704,250 | 6,582 |
| Average total loans | $33,039,250 | 6,069 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2783% | 1,960 |
| Cost of funding earning assets | 0.9633% | 4,231 |
| Net interest margin | 4.3150% | 1,612 |
| Noninterest income to average assets | 0.3931% | 4,736 |
| Noninterest expense to average assets | 2.6704% | 4,938 |
| Loan and lease loss provision to assets | 0.3041% | 2,976 |
| Net operating income to assets | 1.0682% | 1,976 |
| Return on assets (ROA) | 1.0682% | 2,065 |
| Pretax return on assets | 1.0904% | 2,887 |
| Return on Equity (ROE) | 12.4955% | 1,339 |
| Retained earnings to average equity (ytd only) | 8.8076% | 1,172 |
| Net charge-offs to loans | 0.4201% | 2,880 |
| Credit loss provision to net charge-offs | 120.5882% | 2,530 |
| Earnings coverage of net charge-offs (x) | 5.5294% | 2,597 |
| Efficiency ratio | 65.6934% | 4,936 |
| Assets per employee ($millions) | 3.3319% | 5,366 |
| Cash dividends to net income (ytd only)* | 29.5139% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2855% | 5,127 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 62.0829% | 3,872 |
| Net loans and leases to deposits | 68.9377% | 4,571 |
| Net loans and leases to core deposits | 74.6908% | 4,485 |
| Total domestic deposits to total assets | 90.0565% | 946 |
| Equity capital to assets | 8.9719% | 5,621 |
| Core capital (leverage) ratio | 8.8041% | 5,041 |
| Tier 1 risk-based capital ratio | 12.8269% | 5,071 |
| Total risk-based capital ratio | 14.0025% | 5,102 |
| Memoranda: | ||
| Average total assets | $53,924,670 | 6,333 |
| Average earning assets | $45,886,000 | 6,443 |
| Average equity | $4,609,670 | 6,651 |
| Average total loans | $32,370,000 | 6,170 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2083% | 2,195 |
| Cost of funding earning assets | 1.0627% | 3,768 |
| Net interest margin | 4.1456% | 2,095 |
| Noninterest income to average assets | 0.4647% | 4,151 |
| Noninterest expense to average assets | 2.7954% | 4,463 |
| Loan and lease loss provision to assets | 0.0295% | 5,597 |
| Net operating income to assets | 1.0695% | 1,947 |
| Return on assets (ROA) | 1.0695% | 1,998 |
| Pretax return on assets | 1.1211% | 2,677 |
| Return on Equity (ROE) | 12.8233% | 1,238 |
| Retained earnings to average equity (ytd only) | 9.2859% | 1,295 |
| Net charge-offs to loans | 0.0377% | 4,582 |
| Credit loss provision to net charge-offs | 133.3333% | 2,077 |
| Earnings coverage of net charge-offs (x) | 52.0000% | 560 |
| Efficiency ratio | 70.8411% | 4,090 |
| Assets per employee ($millions) | 3.1128% | 5,921 |
| Cash dividends to net income (ytd only)* | 27.5862% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2815% | 5,221 |
| Loan loss allowance to noncurrent loans | 643.0769% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.1228% | 6,860 |
| Noncurrent loans to loans | 0.1993% | 6,574 |
| Net loans and leases to total assets | 60.8470% | 4,105 |
| Net loans and leases to deposits | 67.4014% | 4,763 |
| Net loans and leases to core deposits | 74.2289% | 4,516 |
| Total domestic deposits to total assets | 90.2755% | 973 |
| Equity capital to assets | 8.6606% | 5,703 |
| Core capital (leverage) ratio | 8.4905% | 5,475 |
| Tier 1 risk-based capital ratio | 12.9446% | 4,866 |
| Total risk-based capital ratio | 14.1198% | 4,905 |
| Memoranda: | ||
| Average total assets | $54,231,500 | 6,365 |
| Average earning assets | $45,542,500 | 6,501 |
| Average equity | $4,523,000 | 6,706 |
| Average total loans | $31,791,000 | 6,253 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8479% | 1,154 |
| Cost of funding earning assets | 1.5373% | 2,421 |
| Net interest margin | 4.3106% | 1,785 |
| Noninterest income to average assets | 0.5023% | 4,145 |
| Noninterest expense to average assets | 2.8274% | 4,487 |
| Loan and lease loss provision to assets | 0.0021% | 7,034 |
| Net operating income to assets | 1.1657% | 1,495 |
| Return on assets (ROA) | 1.1657% | 1,577 |
| Pretax return on assets | 1.2055% | 2,213 |
| Return on Equity (ROE) | 12.8040% | 1,144 |
| Retained earnings to average equity (ytd only) | 8.5743% | 823 |
| Net charge-offs to loans | -0.0434% | 7,434 |
| Credit loss provision to net charge-offs | -7.6923% | 6,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0726% | 4,169 |
| Assets per employee ($millions) | 2.9234% | 6,264 |
| Cash dividends to net income (ytd only)* | 33.0341% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3467% | 4,767 |
| 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 | 54.9968% | 5,487 |
| Net loans and leases to deposits | 60.4899% | 6,001 |
| Net loans and leases to core deposits | 70.8655% | 5,349 |
| Total domestic deposits to total assets | 90.9191% | 638 |
| Equity capital to assets | 8.0349% | 6,461 |
| Core capital (leverage) ratio | 8.3980% | 5,538 |
| Tier 1 risk-based capital ratio | 13.1895% | 4,460 |
| Total risk-based capital ratio | 14.4117% | 4,436 |
| Memoranda: | ||
| Average total assets | $47,781,600 | 6,607 |
| Average earning assets | $39,159,200 | 6,752 |
| Average equity | $4,350,200 | 6,870 |
| Average total loans | $29,961,400 | 6,400 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0580% | 831 |
| Cost of funding earning assets | 1.6354% | 2,180 |
| Net interest margin | 4.4226% | 1,453 |
| Noninterest income to average assets | 0.5294% | 3,947 |
| Noninterest expense to average assets | 2.8358% | 4,324 |
| Loan and lease loss provision to assets | 0.0029% | 6,967 |
| Net operating income to assets | 1.2478% | 1,472 |
| Return on assets (ROA) | 1.2478% | 1,553 |
| Pretax return on assets | 1.3089% | 2,144 |
| Return on Equity (ROE) | 13.2344% | 1,199 |
| Retained earnings to average equity (ytd only) | 8.9463% | 1,072 |
| Net charge-offs to loans | -0.0583% | 7,487 |
| Credit loss provision to net charge-offs | -7.6923% | 6,857 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3731% | 4,391 |
| Assets per employee ($millions) | 2.8995% | 6,379 |
| Cash dividends to net income (ytd only)* | 32.4009% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3442% | 4,736 |
| Loan loss allowance to noncurrent loans | 41,700.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 7,380 |
| Noncurrent loans to loans | 0.0032% | 7,266 |
| Net loans and leases to total assets | 62.0904% | 4,512 |
| Net loans and leases to deposits | 69.2421% | 5,239 |
| Net loans and leases to core deposits | 83.1296% | 4,075 |
| Total domestic deposits to total assets | 89.6715% | 1,034 |
| Equity capital to assets | 9.0605% | 5,495 |
| Core capital (leverage) ratio | 9.2621% | 4,257 |
| Tier 1 risk-based capital ratio | 9.6924% | 7,187 |
| Total risk-based capital ratio | 10.6074% | 7,298 |
| Memoranda: | ||
| Average total assets | $45,840,750 | 6,748 |
| Average earning assets | $37,503,250 | 6,892 |
| Average equity | $4,322,000 | 6,974 |
| Average total loans | $29,710,500 | 6,501 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9864% | 976 |
| Cost of funding earning assets | 1.6444% | 2,417 |
| Net interest margin | 4.3420% | 1,631 |
| Noninterest income to average assets | 0.3133% | 5,658 |
| Noninterest expense to average assets | 2.5867% | 5,374 |
| Loan and lease loss provision to assets | 0.0045% | 6,833 |
| Net operating income to assets | 1.2799% | 1,359 |
| Return on assets (ROA) | 1.2799% | 1,416 |
| Pretax return on assets | 1.3381% | 1,980 |
| Return on Equity (ROE) | 13.3832% | 1,162 |
| Retained earnings to average equity (ytd only) | 9.0781% | 1,079 |
| Net charge-offs to loans | -0.0342% | 7,382 |
| Credit loss provision to net charge-offs | -20.0000% | 6,602 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8314% | 5,016 |
| Assets per employee ($millions) | 2.5508% | 7,036 |
| Cash dividends to net income (ytd only)* | 32.1678% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3527% | 4,671 |
| Loan loss allowance to noncurrent loans | 40,900.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 7,425 |
| Noncurrent loans to loans | 0.0033% | 7,336 |
| Net loans and leases to total assets | 64.9628% | 4,049 |
| Net loans and leases to deposits | 72.9106% | 4,847 |
| Net loans and leases to core deposits | 89.0066% | 3,409 |
| Total domestic deposits to total assets | 89.0992% | 1,379 |
| Equity capital to assets | 9.5526% | 4,631 |
| Core capital (leverage) ratio | 9.5426% | 3,754 |
| Tier 1 risk-based capital ratio | 10.2742% | 6,856 |
| Total risk-based capital ratio | 11.2466% | 7,006 |
| Memoranda: | ||
| Average total assets | $44,690,670 | 6,842 |
| Average earning assets | $37,217,670 | 6,961 |
| Average equity | $4,274,000 | 7,023 |
| Average total loans | $29,273,330 | 6,563 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8696% | 1,271 |
| Cost of funding earning assets | 1.6648% | 2,567 |
| Net interest margin | 4.2047% | 2,020 |
| Noninterest income to average assets | 0.2722% | 5,980 |
| Noninterest expense to average assets | 2.4411% | 5,944 |
| Loan and lease loss provision to assets | 0.0091% | 6,509 |
| Net operating income to assets | 1.3340% | 1,215 |
| Return on assets (ROA) | 1.3340% | 1,287 |
| Pretax return on assets | 1.3975% | 1,784 |
| Return on Equity (ROE) | 13.9403% | 1,061 |
| Retained earnings to average equity (ytd only) | 9.6728% | 1,216 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4434% | 5,596 |
| Assets per employee ($millions) | 3.6790% | 4,627 |
| Cash dividends to net income (ytd only)* | 30.6122% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3885% | 4,472 |
| 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 | 64.9905% | 4,103 |
| Net loans and leases to deposits | 73.1174% | 4,881 |
| Net loans and leases to core deposits | 88.7061% | 3,536 |
| Total domestic deposits to total assets | 88.8851% | 1,577 |
| Equity capital to assets | 9.6675% | 4,277 |
| Core capital (leverage) ratio | 9.4765% | 3,805 |
| Tier 1 risk-based capital ratio | 11.1026% | 6,055 |
| Total risk-based capital ratio | 12.1643% | 6,219 |
| Memoranda: | ||
| Average total assets | $44,079,000 | 6,948 |
| Average earning assets | $37,481,500 | 7,036 |
| Average equity | $4,218,000 | 7,106 |
| Average total loans | $28,792,000 | 6,669 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5224% | 642 |
| Cost of funding earning assets | 1.7383% | 4,318 |
| Net interest margin | 4.7841% | 713 |
| Noninterest income to average assets | 0.3577% | 5,535 |
| Noninterest expense to average assets | 2.6876% | 5,442 |
| Loan and lease loss provision to assets | 0.2851% | 5,145 |
| Net operating income to assets | 1.5265% | 638 |
| Return on assets (ROA) | 1.5265% | 680 |
| Pretax return on assets | 1.5861% | 991 |
| Return on Equity (ROE) | 14.6343% | 704 |
| Retained earnings to average equity (ytd only) | 8.1246% | 667 |
| Net charge-offs to loans | 0.0541% | 6,560 |
| Credit loss provision to net charge-offs | 733.3333% | 395 |
| Earnings coverage of net charge-offs (x) | 48.1333% | 533 |
| Efficiency ratio | 58.9540% | 6,622 |
| Assets per employee ($millions) | 3.6675% | 4,600 |
| Cash dividends to net income (ytd only)* | 44.4822% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4146% | 4,152 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 63.8150% | 4,635 |
| Net loans and leases to deposits | 71.6016% | 5,385 |
| Net loans and leases to core deposits | 98.5024% | 4,176 |
| Total domestic deposits to total assets | 89.1252% | 1,422 |
| Equity capital to assets | 9.4706% | 4,457 |
| Core capital (leverage) ratio | 9.8760% | 3,233 |
| Tier 1 risk-based capital ratio | 10.8665% | 6,050 |
| Total risk-based capital ratio | 11.9278% | 6,206 |
| Memoranda: | ||
| Average total assets | $38,584,400 | 7,147 |
| Average earning assets | $33,883,400 | 7,193 |
| Average equity | $4,024,800 | 7,284 |
| Average total loans | $27,713,400 | 6,758 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6530% | 552 |
| Cost of funding earning assets | 1.7661% | 4,546 |
| Net interest margin | 4.8869% | 568 |
| Noninterest income to average assets | 0.3868% | 5,422 |
| Noninterest expense to average assets | 2.6718% | 5,448 |
| Loan and lease loss provision to assets | 0.1182% | 6,185 |
| Net operating income to assets | 1.8516% | 400 |
| Return on assets (ROA) | 1.8516% | 424 |
| Pretax return on assets | 1.9376% | 608 |
| Return on Equity (ROE) | 17.2805% | 519 |
| Retained earnings to average equity (ytd only) | 9.8268% | 666 |
| Net charge-offs to loans | 0.0048% | 6,902 |
| Credit loss provision to net charge-offs | 3,300.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 575.4211% | 55 |
| Efficiency ratio | 56.5152% | 6,934 |
| Assets per employee ($millions) | 3.1623% | 5,749 |
| Cash dividends to net income (ytd only)* | 43.1338% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1990% | 5,118 |
| Loan loss allowance to noncurrent loans | 1,360.0000% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.0659% | 7,398 |
| Noncurrent loans to loans | 0.0882% | 7,264 |
| Net loans and leases to total assets | 73.8346% | 2,576 |
| Net loans and leases to deposits | 84.5546% | 3,558 |
| Net loans and leases to core deposits | 119.4135% | 2,301 |
| Total domestic deposits to total assets | 87.3218% | 2,000 |
| Equity capital to assets | 10.9310% | 3,079 |
| Core capital (leverage) ratio | 10.5861% | 2,729 |
| Tier 1 risk-based capital ratio | 11.8206% | 5,140 |
| Total risk-based capital ratio | 12.8025% | 5,329 |
| Memoranda: | ||
| Average total assets | $37,228,000 | 7,264 |
| Average earning assets | $33,067,250 | 7,286 |
| Average equity | $3,989,000 | 7,366 |
| Average total loans | $27,519,750 | 6,827 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6420% | 611 |
| Cost of funding earning assets | 1.7534% | 4,988 |
| Net interest margin | 4.8887% | 552 |
| Noninterest income to average assets | 0.3677% | 5,572 |
| Noninterest expense to average assets | 2.6603% | 5,520 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.9574% | 328 |
| Return on assets (ROA) | 1.9574% | 360 |
| Pretax return on assets | 2.0493% | 497 |
| Return on Equity (ROE) | 18.3943% | 460 |
| Retained earnings to average equity (ytd only) | 9.7053% | 787 |
| Net charge-offs to loans | -0.0514% | 7,855 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4868% | 7,057 |
| Assets per employee ($millions) | 3.1329% | 5,767 |
| Cash dividends to net income (ytd only)* | 47.2376% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1117% | 5,514 |
| Loan loss allowance to noncurrent loans | 828.9474% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.1011% | 7,327 |
| Noncurrent loans to loans | 0.1341% | 7,179 |
| Net loans and leases to total assets | 74.5285% | 2,564 |
| Net loans and leases to deposits | 85.0091% | 3,728 |
| Net loans and leases to core deposits | 114.4427% | 2,863 |
| Total domestic deposits to total assets | 87.6712% | 1,939 |
| Equity capital to assets | 10.6716% | 3,235 |
| Core capital (leverage) ratio | 10.5670% | 2,754 |
| Tier 1 risk-based capital ratio | 11.5415% | 5,341 |
| Total risk-based capital ratio | 12.4526% | 5,600 |
| Memoranda: | ||
| Average total assets | $36,988,330 | 7,336 |
| Average earning assets | $32,851,330 | 7,366 |
| Average equity | $3,936,000 | 7,441 |
| Average total loans | $27,240,330 | 6,896 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5891% | 723 |
| Cost of funding earning assets | 1.7768% | 5,229 |
| Net interest margin | 4.8123% | 593 |
| Noninterest income to average assets | 0.3489% | 5,652 |
| Noninterest expense to average assets | 2.6932% | 5,044 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.8209% | 510 |
| Return on assets (ROA) | 1.8209% | 565 |
| Pretax return on assets | 1.9081% | 781 |
| Return on Equity (ROE) | 17.1370% | 671 |
| Retained earnings to average equity (ytd only) | 9.8512% | 1,231 |
| Net charge-offs to loans | -0.1049% | 7,889 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5308% | 6,622 |
| Assets per employee ($millions) | 3.0753% | 5,962 |
| Cash dividends to net income (ytd only)* | 42.5150% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1584% | 5,062 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 72.8342% | 3,047 |
| Net loans and leases to deposits | 83.1056% | 4,116 |
| Net loans and leases to core deposits | 106.2624% | 3,879 |
| Total domestic deposits to total assets | 87.6406% | 1,906 |
| Equity capital to assets | 10.6766% | 3,310 |
| Core capital (leverage) ratio | 10.4842% | 2,947 |
| Tier 1 risk-based capital ratio | 11.6314% | 5,267 |
| Total risk-based capital ratio | 12.5720% | 5,487 |
| Memoranda: | ||
| Average total assets | $36,685,000 | 7,393 |
| Average earning assets | $32,417,000 | 7,424 |
| Average equity | $3,898,000 | 7,488 |
| Average total loans | $26,693,500 | 6,960 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8819% | 1,456 |
| Cost of funding earning assets | 2.1880% | 5,653 |
| Net interest margin | 4.6939% | 984 |
| Noninterest income to average assets | 0.3662% | 5,776 |
| Noninterest expense to average assets | 2.7864% | 4,879 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.6700% | 716 |
| Return on assets (ROA) | 1.6700% | 684 |
| Pretax return on assets | 1.7117% | 1,120 |
| Return on Equity (ROE) | 15.3304% | 880 |
| Retained earnings to average equity (ytd only) | 8.3620% | 742 |
| Net charge-offs to loans | -0.0294% | 7,970 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9457% | 5,959 |
| Assets per employee ($millions) | 3.0389% | 5,959 |
| Cash dividends to net income (ytd only)* | 45.4545% | 3,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1758% | 4,732 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 70.9847% | 3,784 |
| Net loans and leases to deposits | 80.9621% | 4,880 |
| Net loans and leases to core deposits | 103.2178% | 4,479 |
| Total domestic deposits to total assets | 87.6765% | 1,621 |
| Equity capital to assets | 10.5739% | 3,418 |
| Core capital (leverage) ratio | 10.4142% | 3,056 |
| Tier 1 risk-based capital ratio | 11.3773% | 5,354 |
| Total risk-based capital ratio | 12.2997% | 5,567 |
| Memoranda: | ||
| Average total assets | $33,592,000 | 7,481 |
| Average earning assets | $29,570,200 | 7,538 |
| Average equity | $3,659,400 | 7,627 |
| Average total loans | $23,770,200 | 7,086 |