| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0680% | 1,930 |
| Cost of funding earning assets | 2.0726% | 814 |
| Net interest margin | 2.9953% | 3,294 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 2.8013% | 1,494 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.1441% | 4,215 |
| Return on assets (ROA) | 0.1441% | 4,239 |
| Pretax return on assets | 0.0759% | 4,296 |
| Return on Equity (ROE) | 2.6800% | 4,074 |
| Retained earnings to average equity (ytd only) | 2.6756% | 3,391 |
| Net charge-offs to loans | 0.4796% | 216 |
| Credit loss provision to net charge-offs | 31.7797% | 2,270 |
| Earnings coverage of net charge-offs (x) | 0.5678% | 2,808 |
| Efficiency ratio | 94.2042% | 296 |
| Assets per employee ($millions) | 4.3206% | 4,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2374% | 2,080 |
| Loan loss allowance to noncurrent loans | 148.0000% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 0.5143% | 1,091 |
| Noncurrent loans to loans | 0.8361% | 919 |
| Net loans and leases to total assets | 60.7600% | 2,776 |
| Net loans and leases to deposits | 65.9152% | 3,174 |
| Net loans and leases to core deposits | 77.7228% | 2,861 |
| Total domestic deposits to total assets | 92.1700% | 281 |
| Equity capital to assets | 5.7926% | 4,275 |
| Core capital (leverage) ratio | 7.6737% | 4,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6346% | 2,369 |
| Memoranda: |
| Average total assets | $77,749,400 | 4,034 |
| Average earning assets | $70,442,600 | 4,033 |
| Average equity | $4,186,000 | 4,339 |
| Average total loans | $49,206,600 | 3,852 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9530% | 1,941 |
| Cost of funding earning assets | 1.8380% | 944 |
| Net interest margin | 3.1150% | 3,114 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 2.8109% | 1,411 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.2521% | 4,173 |
| Return on assets (ROA) | 0.2521% | 4,181 |
| Pretax return on assets | 0.2830% | 4,184 |
| Return on Equity (ROE) | 4.7700% | 3,855 |
| Retained earnings to average equity (ytd only) | 4.7731% | 3,017 |
| Net charge-offs to loans | 0.0081% | 2,114 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 55.0000% | 1,257 |
| Efficiency ratio | 90.8537% | 350 |
| Assets per employee ($millions) | 4.2764% | 4,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5443% | 1,003 |
| Loan loss allowance to noncurrent loans | 115.9196% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 0.8405% | 660 |
| Noncurrent loans to loans | 1.3322% | 572 |
| Net loans and leases to total assets | 62.1200% | 2,644 |
| Net loans and leases to deposits | 66.7793% | 3,067 |
| Net loans and leases to core deposits | 79.6177% | 2,629 |
| Total domestic deposits to total assets | 93.0200% | 298 |
| Equity capital to assets | 4.9522% | 4,260 |
| Core capital (leverage) ratio | 7.8703% | 4,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0733% | 2,588 |
| Memoranda: |
| Average total assets | $77,744,000 | 4,051 |
| Average earning assets | $70,581,750 | 4,050 |
| Average equity | $4,106,250 | 4,360 |
| Average total loans | $49,547,750 | 3,857 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8816% | 1,807 |
| Cost of funding earning assets | 1.6423% | 979 |
| Net interest margin | 3.2394% | 2,885 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.8128% | 1,393 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3308% | 4,113 |
| Return on assets (ROA) | 0.3308% | 4,139 |
| Pretax return on assets | 0.3897% | 4,132 |
| Return on Equity (ROE) | 6.1400% | 3,658 |
| Retained earnings to average equity (ytd only) | 6.1365% | 2,574 |
| Net charge-offs to loans | 0.0120% | 1,743 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 50.6667% | 1,283 |
| Efficiency ratio | 87.8303% | 429 |
| Assets per employee ($millions) | 4.0012% | 4,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5033% | 1,170 |
| Loan loss allowance to noncurrent loans | 70.2526% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 1.4062% | 261 |
| Noncurrent loans to loans | 2.1398% | 246 |
| Net loans and leases to total assets | 64.7300% | 2,307 |
| Net loans and leases to deposits | 70.5244% | 2,746 |
| Net loans and leases to core deposits | 80.3340% | 2,444 |
| Total domestic deposits to total assets | 91.7800% | 459 |
| Equity capital to assets | 5.5786% | 4,276 |
| Core capital (leverage) ratio | 7.7302% | 4,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1846% | 2,577 |
| Memoranda: |
| Average total assets | $78,000,000 | 4,069 |
| Average earning assets | $70,878,333 | 4,066 |
| Average equity | $4,204,333 | 4,374 |
| Average total loans | $49,875,000 | 3,865 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6725% | 1,917 |
| Cost of funding earning assets | 1.4999% | 845 |
| Net interest margin | 3.1726% | 3,179 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 2.8105% | 1,408 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.2886% | 4,266 |
| Return on assets (ROA) | 0.2886% | 4,224 |
| Pretax return on assets | 0.3292% | 4,237 |
| Return on Equity (ROE) | 5.4500% | 3,814 |
| Retained earnings to average equity (ytd only) | 5.4467% | 2,905 |
| Net charge-offs to loans | -0.0562% | 4,394 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 89.5161% | 373 |
| Assets per employee ($millions) | 4.0266% | 4,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5032% | 1,243 |
| Loan loss allowance to noncurrent loans | 56.6319% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 1.6900% | 173 |
| Noncurrent loans to loans | 2.6543% | 176 |
| Net loans and leases to total assets | 61.8400% | 2,480 |
| Net loans and leases to deposits | 69.5696% | 2,650 |
| Net loans and leases to core deposits | 77.2153% | 2,440 |
| Total domestic deposits to total assets | 88.8900% | 1,582 |
| Equity capital to assets | 5.2886% | 4,376 |
| Core capital (leverage) ratio | 7.6891% | 4,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8346% | 2,776 |
| Memoranda: |
| Average total assets | $78,989,000 | 4,114 |
| Average earning assets | $71,738,500 | 4,116 |
| Average equity | $4,186,000 | 4,435 |
| Average total loans | $49,833,500 | 3,906 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3651% | 945 |
| Cost of funding earning assets | 0.7733% | 429 |
| Net interest margin | 3.5918% | 1,668 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 2.9780% | 998 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 0.4388% | 4,194 |
| Return on assets (ROA) | 0.4388% | 4,155 |
| Pretax return on assets | 0.5028% | 4,166 |
| Return on Equity (ROE) | 7.1900% | 3,587 |
| Retained earnings to average equity (ytd only) | 6.8643% | 2,296 |
| Net charge-offs to loans | 0.2637% | 301 |
| Credit loss provision to net charge-offs | 96.0000% | 1,591 |
| Earnings coverage of net charge-offs (x) | 3.9760% | 2,440 |
| Efficiency ratio | 81.7949% | 608 |
| Assets per employee ($millions) | 3.8724% | 4,322 |
| Cash dividends to net income (ytd only)* | 4.5593% | 3,384 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1791% | 2,496 |
| Loan loss allowance to noncurrent loans | 48.6555% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 1.5365% | 199 |
| Noncurrent loans to loans | 2.4233% | 194 |
| Net loans and leases to total assets | 62.6600% | 2,365 |
| Net loans and leases to deposits | 72.3187% | 2,386 |
| Net loans and leases to core deposits | 83.9832% | 1,880 |
| Total domestic deposits to total assets | 86.6400% | 2,517 |
| Equity capital to assets | 5.3107% | 4,288 |
| Core capital (leverage) ratio | 8.0950% | 4,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9963% | 2,738 |
| Memoranda: |
| Average total assets | $74,982,600 | 4,190 |
| Average earning assets | $68,016,200 | 4,179 |
| Average equity | $4,574,400 | 4,476 |
| Average total loans | $47,403,000 | 3,937 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3882% | 598 |
| Cost of funding earning assets | 0.6540% | 328 |
| Net interest margin | 3.7342% | 1,063 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 2.8507% | 1,141 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 0.5773% | 3,894 |
| Return on assets (ROA) | 0.5773% | 3,848 |
| Pretax return on assets | 0.7064% | 3,790 |
| Return on Equity (ROE) | 9.1500% | 2,992 |
| Retained earnings to average equity (ytd only) | 8.7280% | 1,747 |
| Net charge-offs to loans | 0.1419% | 462 |
| Credit loss provision to net charge-offs | 150.0000% | 1,125 |
| Earnings coverage of net charge-offs (x) | 9.3800% | 2,024 |
| Efficiency ratio | 77.2220% | 979 |
| Assets per employee ($millions) | 3.8799% | 4,373 |
| Cash dividends to net income (ytd only)* | 4.6584% | 2,984 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2726% | 2,163 |
| Loan loss allowance to noncurrent loans | 130.6867% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 0.6321% | 836 |
| Noncurrent loans to loans | 0.9738% | 803 |
| Net loans and leases to total assets | 64.0900% | 2,074 |
| Net loans and leases to deposits | 75.2429% | 1,943 |
| Net loans and leases to core deposits | 85.7519% | 1,535 |
| Total domestic deposits to total assets | 85.1700% | 3,243 |
| Equity capital to assets | 5.1466% | 4,253 |
| Core capital (leverage) ratio | 8.1196% | 4,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0872% | 2,793 |
| Memoranda: |
| Average total assets | $74,366,500 | 4,229 |
| Average earning assets | $67,482,500 | 4,213 |
| Average equity | $4,689,750 | 4,505 |
| Average total loans | $46,977,000 | 3,963 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2847% | 536 |
| Cost of funding earning assets | 0.6547% | 205 |
| Net interest margin | 3.6301% | 1,021 |
| Noninterest income to average assets | 0.3111% | 3,297 |
| Noninterest expense to average assets | 2.7755% | 1,216 |
| Loan and lease loss provision to assets | 0.1073% | 927 |
| Net operating income to assets | 0.5873% | 3,664 |
| Return on assets (ROA) | 0.5873% | 3,612 |
| Pretax return on assets | 0.7294% | 3,498 |
| Return on Equity (ROE) | 8.7805% | 2,763 |
| Retained earnings to average equity (ytd only) | 8.1791% | 1,556 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8374% | 1,194 |
| Assets per employee ($millions) | 4.1878% | 4,273 |
| Cash dividends to net income (ytd only)* | 6.8493% | 2,828 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2964% | 2,206 |
| Loan loss allowance to noncurrent loans | 151.4563% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 0.5466% | 1,039 |
| Noncurrent loans to loans | 0.8560% | 993 |
| Net loans and leases to total assets | 63.0247% | 2,011 |
| Net loans and leases to deposits | 74.3567% | 1,830 |
| Net loans and leases to core deposits | 84.3732% | 1,431 |
| Total domestic deposits to total assets | 84.7599% | 3,534 |
| Equity capital to assets | 5.7668% | 4,282 |
| Core capital (leverage) ratio | 7.9628% | 4,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4946% | 2,927 |
| Memoranda: |
| Average total assets | $74,582,333 | 4,267 |
| Average earning assets | $67,822,333 | 4,267 |
| Average equity | $4,988,333 | 4,523 |
| Average total loans | $46,684,667 | 4,015 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1875% | 532 |
| Cost of funding earning assets | 0.6712% | 179 |
| Net interest margin | 3.5164% | 1,061 |
| Noninterest income to average assets | 0.3073% | 3,268 |
| Noninterest expense to average assets | 2.7715% | 1,212 |
| Loan and lease loss provision to assets | 0.0809% | 1,014 |
| Net operating income to assets | 0.5284% | 3,629 |
| Return on assets (ROA) | 0.5284% | 3,600 |
| Pretax return on assets | 0.6470% | 3,519 |
| Return on Equity (ROE) | 7.3837% | 2,913 |
| Retained earnings to average equity (ytd only) | 6.2535% | 2,156 |
| Net charge-offs to loans | 0.0087% | 1,427 |
| Credit loss provision to net charge-offs | 1,500.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 135.0000% | 571 |
| Efficiency ratio | 79.1988% | 1,213 |
| Assets per employee ($millions) | 4.2077% | 4,302 |
| Cash dividends to net income (ytd only)* | 15.3061% | 2,073 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2839% | 2,436 |
| Loan loss allowance to noncurrent loans | 164.7383% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 0.4793% | 1,266 |
| Noncurrent loans to loans | 0.7794% | 1,222 |
| Net loans and leases to total assets | 60.7066% | 1,989 |
| Net loans and leases to deposits | 71.6626% | 1,809 |
| Net loans and leases to core deposits | 81.7663% | 1,363 |
| Total domestic deposits to total assets | 84.7118% | 3,611 |
| Equity capital to assets | 6.4208% | 4,459 |
| Core capital (leverage) ratio | 7.9571% | 4,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9976% | 2,895 |
| Memoranda: |
| Average total assets | $74,183,500 | 4,294 |
| Average earning assets | $67,342,500 | 4,300 |
| Average equity | $5,309,000 | 4,537 |
| Average total loans | $45,961,000 | 4,040 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8286% | 347 |
| Cost of funding earning assets | 0.8680% | 141 |
| Net interest margin | 3.9606% | 769 |
| Noninterest income to average assets | 0.2734% | 3,761 |
| Noninterest expense to average assets | 2.9990% | 983 |
| Loan and lease loss provision to assets | 0.1638% | 721 |
| Net operating income to assets | 0.6004% | 3,876 |
| Return on assets (ROA) | 0.6052% | 3,911 |
| Pretax return on assets | 0.7163% | 3,898 |
| Return on Equity (ROE) | 7.6307% | 3,341 |
| Retained earnings to average equity (ytd only) | 7.6307% | 1,686 |
| Net charge-offs to loans | 0.0223% | 1,813 |
| Credit loss provision to net charge-offs | 1,150.0000% | 482 |
| Earnings coverage of net charge-offs (x) | 61.4000% | 1,160 |
| Efficiency ratio | 77.4265% | 999 |
| Assets per employee ($millions) | 3.8226% | 4,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2879% | 2,420 |
| Loan loss allowance to noncurrent loans | 176.4350% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 0.4557% | 1,450 |
| Noncurrent loans to loans | 0.7299% | 1,395 |
| Net loans and leases to total assets | 61.6310% | 1,981 |
| Net loans and leases to deposits | 74.8754% | 1,654 |
| Net loans and leases to core deposits | 86.2982% | 1,183 |
| Total domestic deposits to total assets | 82.3115% | 3,920 |
| Equity capital to assets | 7.9238% | 4,400 |
| Core capital (leverage) ratio | 8.1527% | 4,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3287% | 2,815 |
| Memoranda: |
| Average total assets | $70,223,600 | 4,339 |
| Average earning assets | $63,828,000 | 4,339 |
| Average equity | $5,569,600 | 4,577 |
| Average total loans | $44,873,400 | 4,092 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9016% | 351 |
| Cost of funding earning assets | 0.9059% | 140 |
| Net interest margin | 3.9957% | 805 |
| Noninterest income to average assets | 0.2604% | 3,842 |
| Noninterest expense to average assets | 2.9779% | 1,010 |
| Loan and lease loss provision to assets | 0.1623% | 678 |
| Net operating income to assets | 0.6301% | 3,949 |
| Return on assets (ROA) | 0.6301% | 4,002 |
| Pretax return on assets | 0.7603% | 3,957 |
| Return on Equity (ROE) | 7.9420% | 3,421 |
| Retained earnings to average equity (ytd only) | 7.9420% | 2,070 |
| Net charge-offs to loans | 0.0298% | 1,456 |
| Credit loss provision to net charge-offs | 850.0000% | 566 |
| Earnings coverage of net charge-offs (x) | 48.2000% | 1,264 |
| Efficiency ratio | 76.3378% | 1,019 |
| Assets per employee ($millions) | 3.6987% | 4,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2124% | 2,937 |
| Loan loss allowance to noncurrent loans | 182.2368% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.4326% | 1,735 |
| Noncurrent loans to loans | 0.6653% | 1,644 |
| Net loans and leases to total assets | 64.2339% | 1,741 |
| Net loans and leases to deposits | 78.6895% | 1,417 |
| Net loans and leases to core deposits | 91.1479% | 970 |
| Total domestic deposits to total assets | 81.6296% | 3,993 |
| Equity capital to assets | 8.1521% | 4,437 |
| Core capital (leverage) ratio | 8.0639% | 4,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1551% | 2,933 |
| Memoranda: |
| Average total assets | $69,622,250 | 4,402 |
| Average earning assets | $63,433,250 | 4,399 |
| Average equity | $5,523,250 | 4,647 |
| Average total loans | $44,755,250 | 4,153 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4905% | 735 |
| Cost of funding earning assets | 0.9410% | 149 |
| Net interest margin | 3.5494% | 1,715 |
| Noninterest income to average assets | 0.2363% | 3,993 |
| Noninterest expense to average assets | 2.9825% | 1,016 |
| Loan and lease loss provision to assets | 0.1873% | 603 |
| Net operating income to assets | 0.2882% | 4,538 |
| Return on assets (ROA) | 0.2882% | 4,558 |
| Pretax return on assets | 0.3055% | 4,583 |
| Return on Equity (ROE) | 3.6666% | 4,383 |
| Retained earnings to average equity (ytd only) | 3.6666% | 3,627 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8209% | 482 |
| Assets per employee ($millions) | 3.7299% | 4,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1937% | 2,973 |
| Loan loss allowance to noncurrent loans | 168.6335% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.4544% | 1,821 |
| Noncurrent loans to loans | 0.7079% | 1,669 |
| Net loans and leases to total assets | 63.4193% | 2,024 |
| Net loans and leases to deposits | 77.4603% | 1,682 |
| Net loans and leases to core deposits | 90.2834% | 1,123 |
| Total domestic deposits to total assets | 81.8733% | 3,950 |
| Equity capital to assets | 7.7539% | 4,653 |
| Core capital (leverage) ratio | 7.7752% | 4,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0272% | 2,953 |
| Memoranda: |
| Average total assets | $69,404,333 | 4,434 |
| Average earning assets | $63,334,000 | 4,428 |
| Average equity | $5,454,667 | 4,680 |
| Average total loans | $44,442,000 | 4,183 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2422% | 1,130 |
| Cost of funding earning assets | 0.9903% | 139 |
| Net interest margin | 3.2519% | 2,544 |
| Noninterest income to average assets | 0.1806% | 4,291 |
| Noninterest expense to average assets | 2.8774% | 1,204 |
| Loan and lease loss provision to assets | 0.2330% | 480 |
| Net operating income to assets | 0.0699% | 4,737 |
| Return on assets (ROA) | 0.0699% | 4,746 |
| Pretax return on assets | 0.0349% | 4,769 |
| Return on Equity (ROE) | 0.8832% | 4,723 |
| Retained earnings to average equity (ytd only) | 0.8832% | 4,238 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4815% | 338 |
| Assets per employee ($millions) | 3.6784% | 4,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1603% | 3,147 |
| Loan loss allowance to noncurrent loans | 121.5457% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 0.6110% | 1,561 |
| Noncurrent loans to loans | 0.9546% | 1,416 |
| Net loans and leases to total assets | 63.2603% | 2,142 |
| Net loans and leases to deposits | 76.5403% | 1,845 |
| Net loans and leases to core deposits | 88.7310% | 1,315 |
| Total domestic deposits to total assets | 82.6496% | 3,773 |
| Equity capital to assets | 7.7022% | 4,634 |
| Core capital (leverage) ratio | 8.1013% | 4,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0992% | 2,911 |
| Memoranda: |
| Average total assets | $68,672,500 | 4,453 |
| Average earning assets | $62,609,000 | 4,451 |
| Average equity | $5,434,500 | 4,697 |
| Average total loans | $43,919,500 | 4,210 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9369% | 559 |
| Cost of funding earning assets | 1.2801% | 194 |
| Net interest margin | 3.6567% | 1,952 |
| Noninterest income to average assets | 0.2453% | 4,018 |
| Noninterest expense to average assets | 2.9228% | 1,627 |
| Loan and lease loss provision to assets | 0.2911% | 1,302 |
| Net operating income to assets | 0.3373% | 4,384 |
| Return on assets (ROA) | 0.4367% | 4,252 |
| Pretax return on assets | 0.5430% | 4,194 |
| Return on Equity (ROE) | 5.0049% | 3,902 |
| Retained earnings to average equity (ytd only) | 4.8174% | 2,362 |
| Net charge-offs to loans | 0.5786% | 260 |
| Credit loss provision to net charge-offs | 70.6349% | 3,037 |
| Earnings coverage of net charge-offs (x) | 1.7222% | 3,238 |
| Efficiency ratio | 80.4593% | 856 |
| Assets per employee ($millions) | 3.7499% | 4,538 |
| Cash dividends to net income (ytd only)* | 3.7453% | 3,682 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1088% | 3,420 |
| Loan loss allowance to noncurrent loans | 853.5714% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.0830% | 3,916 |
| Noncurrent loans to loans | 0.1299% | 3,762 |
| Net loans and leases to total assets | 63.1565% | 2,473 |
| Net loans and leases to deposits | 76.2121% | 2,262 |
| Net loans and leases to core deposits | 88.7829% | 1,624 |
| Total domestic deposits to total assets | 82.8694% | 3,448 |
| Equity capital to assets | 8.1097% | 4,661 |
| Core capital (leverage) ratio | 8.4540% | 4,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6779% | 2,743 |
| Memoranda: |
| Average total assets | $61,140,800 | 4,500 |
| Average earning assets | $56,635,000 | 4,486 |
| Average equity | $5,334,800 | 4,714 |
| Average total loans | $43,551,600 | 4,244 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0645% | 540 |
| Cost of funding earning assets | 1.3422% | 198 |
| Net interest margin | 3.7223% | 1,872 |
| Noninterest income to average assets | 0.2328% | 4,103 |
| Noninterest expense to average assets | 2.8949% | 1,712 |
| Loan and lease loss provision to assets | 0.3241% | 1,208 |
| Net operating income to assets | 0.3927% | 4,279 |
| Return on assets (ROA) | 0.4679% | 4,195 |
| Pretax return on assets | 0.5844% | 4,126 |
| Return on Equity (ROE) | 5.2577% | 3,807 |
| Retained earnings to average equity (ytd only) | 5.0062% | 2,560 |
| Net charge-offs to loans | 0.4611% | 327 |
| Credit loss provision to net charge-offs | 96.0265% | 2,662 |
| Earnings coverage of net charge-offs (x) | 2.4106% | 2,989 |
| Efficiency ratio | 78.0326% | 1,033 |
| Assets per employee ($millions) | 3.7451% | 4,523 |
| Cash dividends to net income (ytd only)* | 4.7847% | 3,252 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2247% | 2,532 |
| Loan loss allowance to noncurrent loans | 328.9157% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.2607% | 3,135 |
| Noncurrent loans to loans | 0.3724% | 2,949 |
| Net loans and leases to total assets | 69.1656% | 2,085 |
| Net loans and leases to deposits | 82.9081% | 2,028 |
| Net loans and leases to core deposits | 98.5851% | 1,272 |
| Total domestic deposits to total assets | 83.4244% | 3,017 |
| Equity capital to assets | 8.5257% | 4,446 |
| Core capital (leverage) ratio | 8.4356% | 4,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6746% | 2,734 |
| Memoranda: |
| Average total assets | $59,551,250 | 4,536 |
| Average earning assets | $55,627,750 | 4,518 |
| Average equity | $5,300,000 | 4,742 |
| Average total loans | $43,662,500 | 4,264 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1295% | 652 |
| Cost of funding earning assets | 1.4076% | 221 |
| Net interest margin | 3.7219% | 2,083 |
| Noninterest income to average assets | 0.2441% | 4,017 |
| Noninterest expense to average assets | 2.9632% | 1,677 |
| Loan and lease loss provision to assets | 0.4125% | 966 |
| Net operating income to assets | 0.2990% | 4,427 |
| Return on assets (ROA) | 0.4160% | 4,263 |
| Pretax return on assets | 0.5122% | 4,229 |
| Return on Equity (ROE) | 4.6031% | 3,946 |
| Retained earnings to average equity (ytd only) | 4.2227% | 2,812 |
| Net charge-offs to loans | 0.6412% | 248 |
| Credit loss provision to net charge-offs | 86.3309% | 2,478 |
| Earnings coverage of net charge-offs (x) | 1.6331% | 2,838 |
| Efficiency ratio | 79.1552% | 944 |
| Assets per employee ($millions) | 3.6179% | 4,594 |
| Cash dividends to net income (ytd only)* | 8.2645% | 3,068 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1912% | 2,567 |
| Loan loss allowance to noncurrent loans | 291.2568% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.2975% | 3,118 |
| Noncurrent loans to loans | 0.4090% | 2,938 |
| Net loans and leases to total assets | 71.8831% | 1,733 |
| Net loans and leases to deposits | 88.4397% | 1,511 |
| Net loans and leases to core deposits | 106.0190% | 894 |
| Total domestic deposits to total assets | 81.2793% | 3,546 |
| Equity capital to assets | 8.6937% | 4,358 |
| Core capital (leverage) ratio | 8.7067% | 4,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $58,179,667 | 4,565 |
| Average earning assets | $54,703,000 | 4,543 |
| Average equity | $5,257,333 | 4,772 |
| Average total loans | $43,356,333 | 4,281 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0313% | 909 |
| Cost of funding earning assets | 1.5116% | 255 |
| Net interest margin | 3.5197% | 2,913 |
| Noninterest income to average assets | 0.2760% | 3,870 |
| Noninterest expense to average assets | 3.0716% | 1,715 |
| Loan and lease loss provision to assets | 0.3751% | 825 |
| Net operating income to assets | 0.1415% | 4,608 |
| Return on assets (ROA) | 0.1415% | 4,614 |
| Pretax return on assets | 0.1415% | 4,632 |
| Return on Equity (ROE) | 1.5348% | 4,538 |
| Retained earnings to average equity (ytd only) | 0.7674% | 3,799 |
| Net charge-offs to loans | -0.0094% | 4,055 |
| Credit loss provision to net charge-offs | -5,300.0000% | 3,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6016% | 727 |
| Assets per employee ($millions) | 3.4108% | 4,556 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,630 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4019% | 1,692 |
| Loan loss allowance to noncurrent loans | 104.3029% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 1.0020% | 1,316 |
| Noncurrent loans to loans | 1.3440% | 1,201 |
| Net loans and leases to total assets | 73.5078% | 1,694 |
| Net loans and leases to deposits | 85.0026% | 2,107 |
| Net loans and leases to core deposits | 104.2689% | 1,174 |
| Total domestic deposits to total assets | 86.4771% | 1,794 |
| Equity capital to assets | 9.0095% | 4,594 |
| Core capital (leverage) ratio | 9.2381% | 4,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9544% | 2,726 |
| Memoranda: |
| Average total assets | $56,517,500 | 4,602 |
| Average earning assets | $53,187,000 | 4,581 |
| Average equity | $5,212,500 | 4,813 |
| Average total loans | $42,662,500 | 4,312 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1427% | 1,126 |
| Cost of funding earning assets | 1.4326% | 501 |
| Net interest margin | 3.7100% | 2,790 |
| Noninterest income to average assets | 0.2450% | 4,215 |
| Noninterest expense to average assets | 2.8458% | 2,454 |
| Loan and lease loss provision to assets | 0.4084% | 350 |
| Net operating income to assets | 0.4482% | 4,507 |
| Return on assets (ROA) | 0.4374% | 4,559 |
| Pretax return on assets | 0.5173% | 4,541 |
| Return on Equity (ROE) | 4.7439% | 4,286 |
| Retained earnings to average equity (ytd only) | 4.7439% | 2,557 |
| Net charge-offs to loans | 0.0935% | 1,792 |
| Credit loss provision to net charge-offs | 576.9231% | 531 |
| Earnings coverage of net charge-offs (x) | 13.2564% | 2,368 |
| Efficiency ratio | 75.2038% | 1,460 |
| Assets per employee ($millions) | 3.2384% | 4,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3113% | 1,866 |
| Loan loss allowance to noncurrent loans | 94.1980% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 1.0644% | 1,163 |
| Noncurrent loans to loans | 1.3920% | 1,051 |
| Net loans and leases to total assets | 75.4650% | 1,512 |
| Net loans and leases to deposits | 88.5217% | 1,768 |
| Net loans and leases to core deposits | 106.6925% | 1,068 |
| Total domestic deposits to total assets | 85.2503% | 2,396 |
| Equity capital to assets | 9.4474% | 4,391 |
| Core capital (leverage) ratio | 9.3947% | 4,176 |
| Tier 1 risk-based capital ratio | 11.7569% | 4,493 |
| Total risk-based capital ratio | 13.0051% | 4,371 |
| Memoranda: |
| Average total assets | $55,098,200 | 4,666 |
| Average earning assets | $52,560,400 | 4,630 |
| Average equity | $5,080,200 | 4,871 |
| Average total loans | $41,700,600 | 4,368 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1160% | 1,254 |
| Cost of funding earning assets | 1.3923% | 591 |
| Net interest margin | 3.7237% | 2,842 |
| Noninterest income to average assets | 0.2443% | 4,274 |
| Noninterest expense to average assets | 2.7290% | 2,785 |
| Loan and lease loss provision to assets | 0.4476% | 284 |
| Net operating income to assets | 0.5097% | 4,494 |
| Return on assets (ROA) | 0.4960% | 4,574 |
| Pretax return on assets | 0.6097% | 4,521 |
| Return on Equity (ROE) | 5.4125% | 4,212 |
| Retained earnings to average equity (ytd only) | 5.4125% | 2,671 |
| Net charge-offs to loans | 0.1058% | 1,408 |
| Credit loss provision to net charge-offs | 560.6061% | 577 |
| Earnings coverage of net charge-offs (x) | 13.4543% | 2,295 |
| Efficiency ratio | 71.7557% | 1,879 |
| Assets per employee ($millions) | 3.2578% | 4,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2117% | 2,449 |
| Loan loss allowance to noncurrent loans | 74.2120% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 1.2603% | 979 |
| Noncurrent loans to loans | 1.6328% | 898 |
| Net loans and leases to total assets | 76.2526% | 1,435 |
| Net loans and leases to deposits | 87.4511% | 2,003 |
| Net loans and leases to core deposits | 103.4592% | 1,374 |
| Total domestic deposits to total assets | 87.1946% | 1,432 |
| Equity capital to assets | 9.3097% | 4,590 |
| Core capital (leverage) ratio | 9.0792% | 4,576 |
| Tier 1 risk-based capital ratio | 11.3275% | 4,748 |
| Total risk-based capital ratio | 12.4724% | 4,699 |
| Memoranda: |
| Average total assets | $55,109,750 | 4,731 |
| Average earning assets | $52,669,750 | 4,697 |
| Average equity | $5,050,000 | 4,941 |
| Average total loans | $41,601,500 | 4,427 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0160% | 1,440 |
| Cost of funding earning assets | 1.3452% | 651 |
| Net interest margin | 3.6708% | 3,029 |
| Noninterest income to average assets | 0.2399% | 4,320 |
| Noninterest expense to average assets | 2.6573% | 3,037 |
| Loan and lease loss provision to assets | 0.1091% | 1,714 |
| Net operating income to assets | 0.7703% | 3,751 |
| Return on assets (ROA) | 0.7416% | 3,923 |
| Pretax return on assets | 0.9488% | 3,713 |
| Return on Equity (ROE) | 8.1361% | 3,229 |
| Retained earnings to average equity (ytd only) | 8.1361% | 1,337 |
| Net charge-offs to loans | 0.1941% | 855 |
| Credit loss provision to net charge-offs | 75.0000% | 2,272 |
| Earnings coverage of net charge-offs (x) | 7.5250% | 2,479 |
| Efficiency ratio | 70.8333% | 2,092 |
| Assets per employee ($millions) | 3.5142% | 4,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8534% | 4,254 |
| Loan loss allowance to noncurrent loans | 100.5650% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 0.6296% | 2,148 |
| Noncurrent loans to loans | 0.8486% | 1,905 |
| Net loans and leases to total assets | 73.5590% | 1,951 |
| Net loans and leases to deposits | 83.7247% | 2,521 |
| Net loans and leases to core deposits | 97.1302% | 1,966 |
| Total domestic deposits to total assets | 87.8581% | 1,166 |
| Equity capital to assets | 9.1522% | 4,693 |
| Core capital (leverage) ratio | 9.2369% | 4,419 |
| Tier 1 risk-based capital ratio | 11.9368% | 4,456 |
| Total risk-based capital ratio | 12.7662% | 4,572 |
| Memoranda: |
| Average total assets | $55,018,670 | 4,772 |
| Average earning assets | $52,631,670 | 4,733 |
| Average equity | $5,014,670 | 4,981 |
| Average total loans | $41,219,000 | 4,465 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9592% | 1,445 |
| Cost of funding earning assets | 1.2974% | 664 |
| Net interest margin | 3.6618% | 3,038 |
| Noninterest income to average assets | 0.2205% | 4,431 |
| Noninterest expense to average assets | 2.6905% | 2,934 |
| Loan and lease loss provision to assets | 0.1103% | 1,617 |
| Net operating income to assets | 0.7239% | 3,861 |
| Return on assets (ROA) | 0.6542% | 4,114 |
| Pretax return on assets | 0.8380% | 3,951 |
| Return on Equity (ROE) | 7.1934% | 3,593 |
| Retained earnings to average equity (ytd only) | 7.1934% | 1,969 |
| Net charge-offs to loans | 0.0098% | 2,341 |
| Credit loss provision to net charge-offs | 1,500.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 141.0000% | 527 |
| Efficiency ratio | 72.1893% | 2,014 |
| Assets per employee ($millions) | 3.4409% | 4,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9253% | 4,050 |
| Loan loss allowance to noncurrent loans | 929.2683% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.0745% | 4,445 |
| Noncurrent loans to loans | 0.0996% | 4,294 |
| Net loans and leases to total assets | 74.1036% | 1,782 |
| Net loans and leases to deposits | 84.4012% | 2,340 |
| Net loans and leases to core deposits | 97.5258% | 1,813 |
| Total domestic deposits to total assets | 87.7993% | 1,441 |
| Equity capital to assets | 9.1092% | 4,610 |
| Core capital (leverage) ratio | 9.2972% | 4,366 |
| Tier 1 risk-based capital ratio | 11.8614% | 4,533 |
| Total risk-based capital ratio | 12.7634% | 4,630 |
| Memoranda: |
| Average total assets | $54,414,500 | 4,832 |
| Average earning assets | $52,105,000 | 4,795 |
| Average equity | $4,949,000 | 5,034 |
| Average total loans | $40,970,500 | 4,513 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0273% | 991 |
| Cost of funding earning assets | 1.1559% | 406 |
| Net interest margin | 3.8714% | 2,423 |
| Noninterest income to average assets | 0.2489% | 4,430 |
| Noninterest expense to average assets | 2.8570% | 2,499 |
| Loan and lease loss provision to assets | 0.1176% | 1,871 |
| Net operating income to assets | 0.7446% | 3,989 |
| Return on assets (ROA) | 0.7446% | 3,990 |
| Pretax return on assets | 0.9563% | 3,737 |
| Return on Equity (ROE) | 8.0906% | 3,393 |
| Retained earnings to average equity (ytd only) | 8.0906% | 1,194 |
| Net charge-offs to loans | 0.3627% | 530 |
| Credit loss provision to net charge-offs | 43.7956% | 3,246 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 3,348 |
| Efficiency ratio | 72.6820% | 1,813 |
| Assets per employee ($millions) | 3.3609% | 4,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8979% | 4,169 |
| Loan loss allowance to noncurrent loans | 332.7273% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.2046% | 3,803 |
| Noncurrent loans to loans | 0.2699% | 3,610 |
| Net loans and leases to total assets | 75.1223% | 1,752 |
| Net loans and leases to deposits | 83.8303% | 2,527 |
| Net loans and leases to core deposits | 100.3353% | 1,696 |
| Total domestic deposits to total assets | 89.6123% | 616 |
| Equity capital to assets | 9.0804% | 4,510 |
| Core capital (leverage) ratio | 9.1431% | 4,517 |
| Tier 1 risk-based capital ratio | 11.5664% | 4,688 |
| Total risk-based capital ratio | 12.4268% | 4,786 |
| Memoranda: |
| Average total assets | $51,032,200 | 4,915 |
| Average earning assets | $48,535,200 | 4,881 |
| Average equity | $4,696,800 | 5,090 |
| Average total loans | $37,772,200 | 4,616 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9738% | 983 |
| Cost of funding earning assets | 1.0879% | 420 |
| Net interest margin | 3.8859% | 2,356 |
| Noninterest income to average assets | 0.2489% | 4,487 |
| Noninterest expense to average assets | 2.8442% | 2,479 |
| Loan and lease loss provision to assets | 0.1192% | 1,700 |
| Net operating income to assets | 0.7706% | 4,010 |
| Return on assets (ROA) | 0.7706% | 4,019 |
| Pretax return on assets | 0.9745% | 3,804 |
| Return on Equity (ROE) | 8.3434% | 3,402 |
| Retained earnings to average equity (ytd only) | 8.3434% | 1,495 |
| Net charge-offs to loans | 0.3169% | 528 |
| Credit loss provision to net charge-offs | 51.1364% | 2,820 |
| Earnings coverage of net charge-offs (x) | 4.6932% | 3,029 |
| Efficiency ratio | 72.2260% | 1,847 |
| Assets per employee ($millions) | 3.3009% | 4,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9905% | 3,829 |
| Loan loss allowance to noncurrent loans | 196.5517% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 0.3844% | 3,152 |
| Noncurrent loans to loans | 0.5039% | 2,877 |
| Net loans and leases to total assets | 75.5145% | 1,728 |
| Net loans and leases to deposits | 87.9565% | 2,158 |
| Net loans and leases to core deposits | 101.1412% | 1,685 |
| Total domestic deposits to total assets | 85.8544% | 2,258 |
| Equity capital to assets | 9.0410% | 4,515 |
| Core capital (leverage) ratio | 9.2828% | 4,420 |
| Tier 1 risk-based capital ratio | 11.4502% | 4,821 |
| Total risk-based capital ratio | 12.3957% | 4,870 |
| Memoranda: |
| Average total assets | $50,346,500 | 4,983 |
| Average earning assets | $47,795,750 | 4,957 |
| Average equity | $4,650,250 | 5,158 |
| Average total loans | $37,024,500 | 4,682 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9130% | 988 |
| Cost of funding earning assets | 1.0210% | 422 |
| Net interest margin | 3.8919% | 2,227 |
| Noninterest income to average assets | 0.2585% | 4,457 |
| Noninterest expense to average assets | 2.9400% | 2,227 |
| Loan and lease loss provision to assets | 0.1212% | 1,628 |
| Net operating income to assets | 0.6987% | 4,198 |
| Return on assets (ROA) | 0.6987% | 4,202 |
| Pretax return on assets | 0.8763% | 4,035 |
| Return on Equity (ROE) | 7.5076% | 3,721 |
| Retained earnings to average equity (ytd only) | 7.5076% | 1,840 |
| Net charge-offs to loans | 0.4730% | 324 |
| Credit loss provision to net charge-offs | 35.2941% | 2,601 |
| Earnings coverage of net charge-offs (x) | 2.9059% | 2,934 |
| Efficiency ratio | 74.6667% | 1,615 |
| Assets per employee ($millions) | 2.9434% | 5,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0283% | 3,659 |
| Loan loss allowance to noncurrent loans | 207.4866% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.3737% | 3,251 |
| Noncurrent loans to loans | 0.4956% | 2,946 |
| Net loans and leases to total assets | 74.6348% | 1,845 |
| Net loans and leases to deposits | 86.9884% | 2,225 |
| Net loans and leases to core deposits | 102.6413% | 1,516 |
| Total domestic deposits to total assets | 85.7985% | 2,372 |
| Equity capital to assets | 9.3331% | 4,255 |
| Core capital (leverage) ratio | 9.3733% | 4,279 |
| Tier 1 risk-based capital ratio | 11.8012% | 4,624 |
| Total risk-based capital ratio | 12.7726% | 4,670 |
| Memoranda: |
| Average total assets | $49,523,670 | 5,056 |
| Average earning assets | $46,814,670 | 5,026 |
| Average equity | $4,608,670 | 5,222 |
| Average total loans | $35,938,670 | 4,755 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8367% | 1,001 |
| Cost of funding earning assets | 0.9968% | 372 |
| Net interest margin | 3.8399% | 2,262 |
| Noninterest income to average assets | 0.2355% | 4,601 |
| Noninterest expense to average assets | 2.9228% | 2,277 |
| Loan and lease loss provision to assets | 0.1218% | 1,550 |
| Net operating income to assets | 0.6333% | 4,327 |
| Return on assets (ROA) | 0.6333% | 4,338 |
| Pretax return on assets | 0.7875% | 4,183 |
| Return on Equity (ROE) | 6.8152% | 3,856 |
| Retained earnings to average equity (ytd only) | 6.8152% | 2,359 |
| Net charge-offs to loans | 0.8561% | 169 |
| Credit loss provision to net charge-offs | 20.0000% | 2,126 |
| Earnings coverage of net charge-offs (x) | 1.4933% | 2,551 |
| Efficiency ratio | 76.2712% | 1,557 |
| Assets per employee ($millions) | 3.0171% | 5,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0443% | 3,698 |
| Loan loss allowance to noncurrent loans | 109.4286% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 0.6824% | 2,283 |
| Noncurrent loans to loans | 0.9543% | 1,917 |
| Net loans and leases to total assets | 70.7623% | 2,364 |
| Net loans and leases to deposits | 79.8039% | 2,829 |
| Net loans and leases to core deposits | 88.3947% | 2,596 |
| Total domestic deposits to total assets | 88.6703% | 1,273 |
| Equity capital to assets | 8.9706% | 4,589 |
| Core capital (leverage) ratio | 9.6331% | 3,926 |
| Tier 1 risk-based capital ratio | 11.9797% | 4,556 |
| Total risk-based capital ratio | 12.9699% | 4,615 |
| Memoranda: |
| Average total assets | $49,267,000 | 5,120 |
| Average earning assets | $46,147,500 | 5,095 |
| Average equity | $4,578,000 | 5,279 |
| Average total loans | $35,041,500 | 4,828 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7207% | 1,148 |
| Cost of funding earning assets | 0.8212% | 552 |
| Net interest margin | 3.8995% | 2,089 |
| Noninterest income to average assets | 0.2843% | 4,425 |
| Noninterest expense to average assets | 2.9467% | 2,295 |
| Loan and lease loss provision to assets | 0.1302% | 1,764 |
| Net operating income to assets | 0.6401% | 3,853 |
| Return on assets (ROA) | 0.6206% | 3,969 |
| Pretax return on assets | 0.8289% | 4,168 |
| Return on Equity (ROE) | 6.4832% | 3,540 |
| Retained earnings to average equity (ytd only) | 6.4832% | 1,287 |
| Net charge-offs to loans | 0.0031% | 3,994 |
| Credit loss provision to net charge-offs | 6,000.0000% | 62 |
| Earnings coverage of net charge-offs (x) | 454.0000% | 190 |
| Efficiency ratio | 74.9448% | 1,772 |
| Assets per employee ($millions) | 2.7791% | 5,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3261% | 2,086 |
| Loan loss allowance to noncurrent loans | 69.9842% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 1.3399% | 1,072 |
| Noncurrent loans to loans | 1.8949% | 821 |
| Net loans and leases to total assets | 69.7718% | 2,553 |
| Net loans and leases to deposits | 79.2018% | 3,005 |
| Net loans and leases to core deposits | 87.1230% | 2,808 |
| Total domestic deposits to total assets | 88.0937% | 1,448 |
| Equity capital to assets | 9.6414% | 4,097 |
| Core capital (leverage) ratio | 9.9422% | 3,528 |
| Tier 1 risk-based capital ratio | 12.8555% | 4,000 |
| Total risk-based capital ratio | 14.1055% | 3,894 |
| Memoranda: |
| Average total assets | $46,086,000 | 5,227 |
| Average earning assets | $43,108,200 | 5,206 |
| Average equity | $4,411,400 | 5,357 |
| Average total loans | $32,019,800 | 4,968 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6497% | 1,245 |
| Cost of funding earning assets | 0.7848% | 630 |
| Net interest margin | 3.8649% | 2,168 |
| Noninterest income to average assets | 0.2824% | 4,501 |
| Noninterest expense to average assets | 3.0191% | 2,065 |
| Loan and lease loss provision to assets | 0.1310% | 1,656 |
| Net operating income to assets | 0.5450% | 4,596 |
| Return on assets (ROA) | 0.5764% | 4,516 |
| Pretax return on assets | 0.8035% | 4,339 |
| Return on Equity (ROE) | 6.0334% | 4,107 |
| Retained earnings to average equity (ytd only) | 6.0334% | 2,210 |
| Net charge-offs to loans | 0.0042% | 3,582 |
| Credit loss provision to net charge-offs | 4,500.0000% | 96 |
| Earnings coverage of net charge-offs (x) | 306.7594% | 299 |
| Efficiency ratio | 77.2152% | 1,435 |
| Assets per employee ($millions) | 2.8936% | 5,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3053% | 2,330 |
| Loan loss allowance to noncurrent loans | 236.4641% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.3910% | 3,464 |
| Noncurrent loans to loans | 0.5520% | 3,042 |
| Net loans and leases to total assets | 69.9009% | 2,573 |
| Net loans and leases to deposits | 84.0681% | 2,553 |
| Net loans and leases to core deposits | 88.1462% | 2,758 |
| Total domestic deposits to total assets | 83.1479% | 3,411 |
| Equity capital to assets | 9.6788% | 4,268 |
| Core capital (leverage) ratio | 9.8557% | 3,747 |
| Tier 1 risk-based capital ratio | 13.0502% | 3,975 |
| Total risk-based capital ratio | 14.3003% | 3,886 |
| Memoranda: |
| Average total assets | $45,796,500 | 5,288 |
| Average earning assets | $42,984,000 | 5,268 |
| Average equity | $4,375,500 | 5,420 |
| Average total loans | $31,673,250 | 5,026 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6096% | 1,237 |
| Cost of funding earning assets | 0.7418% | 715 |
| Net interest margin | 3.8678% | 2,035 |
| Noninterest income to average assets | 0.2586% | 4,685 |
| Noninterest expense to average assets | 3.0419% | 2,003 |
| Loan and lease loss provision to assets | 0.1315% | 1,587 |
| Net operating income to assets | 0.5124% | 4,674 |
| Return on assets (ROA) | 0.5435% | 4,590 |
| Pretax return on assets | 0.7627% | 4,395 |
| Return on Equity (ROE) | 5.7139% | 4,173 |
| Retained earnings to average equity (ytd only) | 5.7139% | 2,282 |
| Net charge-offs to loans | -0.0128% | 4,617 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1532% | 1,444 |
| Assets per employee ($millions) | 2.9033% | 5,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3082% | 2,371 |
| Loan loss allowance to noncurrent loans | 253.6585% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.3530% | 3,706 |
| Noncurrent loans to loans | 0.5157% | 3,207 |
| Net loans and leases to total assets | 67.5586% | 2,871 |
| Net loans and leases to deposits | 81.3832% | 2,757 |
| Net loans and leases to core deposits | 85.0788% | 2,963 |
| Total domestic deposits to total assets | 83.0129% | 3,566 |
| Equity capital to assets | 9.4913% | 4,409 |
| Core capital (leverage) ratio | 9.6386% | 3,977 |
| Tier 1 risk-based capital ratio | 13.1658% | 3,907 |
| Total risk-based capital ratio | 14.4120% | 3,811 |
| Memoranda: |
| Average total assets | $45,629,670 | 5,331 |
| Average earning assets | $42,866,670 | 5,311 |
| Average equity | $4,340,330 | 5,465 |
| Average total loans | $31,301,000 | 5,069 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5308% | 1,300 |
| Cost of funding earning assets | 0.6913% | 877 |
| Net interest margin | 3.8395% | 1,987 |
| Noninterest income to average assets | 0.2477% | 4,762 |
| Noninterest expense to average assets | 3.0165% | 2,125 |
| Loan and lease loss provision to assets | 0.1327% | 1,440 |
| Net operating income to assets | 0.5641% | 4,315 |
| Return on assets (ROA) | 0.5573% | 4,390 |
| Pretax return on assets | 0.7254% | 4,370 |
| Return on Equity (ROE) | 5.8523% | 3,978 |
| Retained earnings to average equity (ytd only) | 5.8523% | 2,408 |
| Net charge-offs to loans | 0.0515% | 1,832 |
| Credit loss provision to net charge-offs | 375.0000% | 674 |
| Earnings coverage of net charge-offs (x) | 24.5000% | 1,355 |
| Efficiency ratio | 77.6765% | 1,676 |
| Assets per employee ($millions) | 2.8707% | 5,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2596% | 2,760 |
| Loan loss allowance to noncurrent loans | 718.1818% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.1197% | 4,783 |
| Noncurrent loans to loans | 0.1754% | 4,494 |
| Net loans and leases to total assets | 67.4142% | 2,759 |
| Net loans and leases to deposits | 81.7423% | 2,545 |
| Net loans and leases to core deposits | 85.5147% | 2,765 |
| Total domestic deposits to total assets | 82.4715% | 4,032 |
| Equity capital to assets | 9.4642% | 4,318 |
| Core capital (leverage) ratio | 9.5566% | 4,046 |
| Tier 1 risk-based capital ratio | 12.7697% | 4,214 |
| Total risk-based capital ratio | 13.9341% | 4,177 |
| Memoranda: |
| Average total assets | $45,218,000 | 5,401 |
| Average earning assets | $42,818,000 | 5,373 |
| Average equity | $4,306,000 | 5,526 |
| Average total loans | $31,052,000 | 5,126 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3655% | 1,929 |
| Cost of funding earning assets | 0.6153% | 1,234 |
| Net interest margin | 3.7502% | 2,501 |
| Noninterest income to average assets | 0.2524% | 4,910 |
| Noninterest expense to average assets | 2.8382% | 2,884 |
| Loan and lease loss provision to assets | 0.1377% | 1,816 |
| Net operating income to assets | 0.5621% | 4,378 |
| Return on assets (ROA) | 0.5621% | 4,479 |
| Pretax return on assets | 0.8283% | 4,098 |
| Return on Equity (ROE) | 5.8137% | 4,071 |
| Retained earnings to average equity (ytd only) | 5.5764% | 1,967 |
| Net charge-offs to loans | 0.0248% | 3,549 |
| Credit loss provision to net charge-offs | 857.1429% | 432 |
| Earnings coverage of net charge-offs (x) | 60.1429% | 886 |
| Efficiency ratio | 74.6080% | 2,206 |
| Assets per employee ($millions) | 3.1789% | 5,177 |
| Cash dividends to net income (ytd only)* | 4.0816% | 4,145 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2490% | 2,827 |
| Loan loss allowance to noncurrent loans | 60.2826% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 1.4313% | 1,185 |
| Noncurrent loans to loans | 2.0719% | 858 |
| Net loans and leases to total assets | 68.2193% | 2,737 |
| Net loans and leases to deposits | 83.0080% | 2,545 |
| Net loans and leases to core deposits | 87.2042% | 2,756 |
| Total domestic deposits to total assets | 82.1840% | 4,017 |
| Equity capital to assets | 9.5832% | 4,182 |
| Core capital (leverage) ratio | 9.7291% | 3,822 |
| Tier 1 risk-based capital ratio | 13.0645% | 4,024 |
| Total risk-based capital ratio | 14.2394% | 3,990 |
| Memoranda: |
| Average total assets | $43,584,000 | 5,475 |
| Average earning assets | $41,277,800 | 5,437 |
| Average equity | $4,214,200 | 5,610 |
| Average total loans | $28,181,000 | 5,263 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3013% | 2,157 |
| Cost of funding earning assets | 0.5922% | 1,391 |
| Net interest margin | 3.7091% | 2,683 |
| Noninterest income to average assets | 0.2491% | 4,976 |
| Noninterest expense to average assets | 2.7802% | 3,075 |
| Loan and lease loss provision to assets | 0.1384% | 1,699 |
| Net operating income to assets | 0.6181% | 4,219 |
| Return on assets (ROA) | 0.6181% | 4,339 |
| Pretax return on assets | 0.8365% | 4,197 |
| Return on Equity (ROE) | 6.3784% | 3,891 |
| Retained earnings to average equity (ytd only) | 6.3784% | 1,972 |
| Net charge-offs to loans | 0.0048% | 3,741 |
| Credit loss provision to net charge-offs | 4,500.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 317.7895% | 261 |
| Efficiency ratio | 74.0377% | 2,281 |
| Assets per employee ($millions) | 3.1141% | 5,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2847% | 2,771 |
| Loan loss allowance to noncurrent loans | 1,388.8889% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.0619% | 5,195 |
| Noncurrent loans to loans | 0.0925% | 4,975 |
| Net loans and leases to total assets | 66.0940% | 3,108 |
| Net loans and leases to deposits | 83.7597% | 2,513 |
| Net loans and leases to core deposits | 88.2677% | 2,733 |
| Total domestic deposits to total assets | 78.9091% | 4,741 |
| Equity capital to assets | 9.9296% | 4,207 |
| Core capital (leverage) ratio | 9.7192% | 3,912 |
| Tier 1 risk-based capital ratio | 13.6232% | 3,785 |
| Total risk-based capital ratio | 14.8292% | 3,726 |
| Memoranda: |
| Average total assets | $43,353,750 | 5,536 |
| Average earning assets | $40,978,750 | 5,498 |
| Average equity | $4,201,500 | 5,673 |
| Average total loans | $27,540,000 | 5,331 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2668% | 2,271 |
| Cost of funding earning assets | 0.5640% | 1,584 |
| Net interest margin | 3.7028% | 2,688 |
| Noninterest income to average assets | 0.2450% | 5,015 |
| Noninterest expense to average assets | 2.6437% | 3,559 |
| Loan and lease loss provision to assets | 0.1387% | 1,636 |
| Net operating income to assets | 0.6655% | 3,976 |
| Return on assets (ROA) | 0.6655% | 4,117 |
| Pretax return on assets | 0.9521% | 3,769 |
| Return on Equity (ROE) | 6.9247% | 3,593 |
| Retained earnings to average equity (ytd only) | 6.9247% | 1,644 |
| Net charge-offs to loans | 0.0074% | 3,434 |
| Credit loss provision to net charge-offs | 3,000.0000% | 143 |
| Earnings coverage of net charge-offs (x) | 236.0000% | 279 |
| Efficiency ratio | 70.7921% | 2,862 |
| Assets per employee ($millions) | 3.1776% | 5,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2825% | 2,890 |
| Loan loss allowance to noncurrent loans | 580.6452% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.1394% | 4,954 |
| Noncurrent loans to loans | 0.2209% | 4,550 |
| Net loans and leases to total assets | 62.2879% | 3,590 |
| Net loans and leases to deposits | 80.5102% | 2,871 |
| Net loans and leases to core deposits | 84.5745% | 3,028 |
| Total domestic deposits to total assets | 77.3664% | 5,108 |
| Equity capital to assets | 9.6298% | 4,635 |
| Core capital (leverage) ratio | 9.4417% | 4,278 |
| Tier 1 risk-based capital ratio | 13.7607% | 3,744 |
| Total risk-based capital ratio | 14.9462% | 3,699 |
| Memoranda: |
| Average total assets | $43,272,670 | 5,599 |
| Average earning assets | $40,780,000 | 5,571 |
| Average equity | $4,159,000 | 5,745 |
| Average total loans | $26,990,000 | 5,406 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1908% | 2,506 |
| Cost of funding earning assets | 0.5350% | 1,829 |
| Net interest margin | 3.6558% | 2,867 |
| Noninterest income to average assets | 0.2156% | 5,196 |
| Noninterest expense to average assets | 2.5313% | 3,978 |
| Loan and lease loss provision to assets | 0.1406% | 1,497 |
| Net operating income to assets | 0.7031% | 3,693 |
| Return on assets (ROA) | 0.7031% | 3,811 |
| Pretax return on assets | 1.0032% | 3,471 |
| Return on Equity (ROE) | 7.3233% | 3,275 |
| Retained earnings to average equity (ytd only) | 7.3233% | 1,739 |
| Net charge-offs to loans | 0.0151% | 2,636 |
| Credit loss provision to net charge-offs | 1,500.0000% | 269 |
| Earnings coverage of net charge-offs (x) | 122.0000% | 465 |
| Efficiency ratio | 68.8776% | 3,314 |
| Assets per employee ($millions) | 3.4296% | 4,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2756% | 3,023 |
| Loan loss allowance to noncurrent loans | 565.5738% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.1368% | 5,025 |
| Noncurrent loans to loans | 0.2255% | 4,619 |
| Net loans and leases to total assets | 59.8879% | 3,786 |
| Net loans and leases to deposits | 80.5654% | 2,718 |
| Net loans and leases to core deposits | 84.7893% | 2,866 |
| Total domestic deposits to total assets | 74.3344% | 5,584 |
| Equity capital to assets | 9.3350% | 4,856 |
| Core capital (leverage) ratio | 9.5347% | 4,126 |
| Tier 1 risk-based capital ratio | 14.0038% | 3,691 |
| Total risk-based capital ratio | 15.1796% | 3,665 |
| Memoranda: |
| Average total assets | $42,665,500 | 5,665 |
| Average earning assets | $40,374,000 | 5,629 |
| Average equity | $4,096,500 | 5,794 |
| Average total loans | $26,450,000 | 5,466 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1617% | 2,703 |
| Cost of funding earning assets | 0.4691% | 2,446 |
| Net interest margin | 3.6925% | 2,776 |
| Noninterest income to average assets | 0.2638% | 4,991 |
| Noninterest expense to average assets | 2.5288% | 4,133 |
| Loan and lease loss provision to assets | 0.1618% | 1,423 |
| Net operating income to assets | 0.7366% | 3,641 |
| Return on assets (ROA) | 0.7417% | 3,711 |
| Pretax return on assets | 1.0678% | 3,197 |
| Return on Equity (ROE) | 7.6587% | 3,155 |
| Retained earnings to average equity (ytd only) | 7.6587% | 1,039 |
| Net charge-offs to loans | 0.2336% | 1,275 |
| Credit loss provision to net charge-offs | 116.0714% | 2,208 |
| Earnings coverage of net charge-offs (x) | 8.7679% | 2,904 |
| Efficiency ratio | 67.4187% | 3,674 |
| Assets per employee ($millions) | 3.7048% | 4,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2803% | 3,014 |
| Loan loss allowance to noncurrent loans | 418.9873% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.1939% | 4,822 |
| Noncurrent loans to loans | 0.3056% | 4,363 |
| Net loans and leases to total assets | 62.6285% | 3,475 |
| Net loans and leases to deposits | 83.8166% | 2,386 |
| Net loans and leases to core deposits | 87.0973% | 2,686 |
| Total domestic deposits to total assets | 74.7209% | 5,582 |
| Equity capital to assets | 9.8717% | 4,112 |
| Core capital (leverage) ratio | 9.8782% | 3,673 |
| Tier 1 risk-based capital ratio | 14.4764% | 3,458 |
| Total risk-based capital ratio | 15.6675% | 3,397 |
| Memoranda: |
| Average total assets | $40,177,800 | 5,762 |
| Average earning assets | $37,941,600 | 5,729 |
| Average equity | $3,891,000 | 5,872 |
| Average total loans | $23,969,800 | 5,587 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1432% | 2,773 |
| Cost of funding earning assets | 0.4537% | 2,648 |
| Net interest margin | 3.6896% | 2,807 |
| Noninterest income to average assets | 0.2564% | 5,106 |
| Noninterest expense to average assets | 2.4379% | 4,393 |
| Loan and lease loss provision to assets | 0.1665% | 1,270 |
| Net operating income to assets | 0.7693% | 3,584 |
| Return on assets (ROA) | 0.7693% | 3,674 |
| Pretax return on assets | 1.1190% | 3,143 |
| Return on Equity (ROE) | 7.9832% | 3,074 |
| Retained earnings to average equity (ytd only) | 7.9832% | 1,245 |
| Net charge-offs to loans | 0.2950% | 903 |
| Credit loss provision to net charge-offs | 96.1538% | 2,365 |
| Earnings coverage of net charge-offs (x) | 7.4232% | 2,916 |
| Efficiency ratio | 65.4741% | 3,979 |
| Assets per employee ($millions) | 3.7024% | 4,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3053% | 3,059 |
| Loan loss allowance to noncurrent loans | 744.1860% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.1056% | 5,324 |
| Noncurrent loans to loans | 0.1754% | 4,952 |
| Net loans and leases to total assets | 59.4092% | 3,950 |
| Net loans and leases to deposits | 82.2400% | 2,618 |
| Net loans and leases to core deposits | 85.5733% | 2,892 |
| Total domestic deposits to total assets | 72.2389% | 5,846 |
| Equity capital to assets | 9.8487% | 4,345 |
| Core capital (leverage) ratio | 9.6728% | 4,069 |
| Tier 1 risk-based capital ratio | 14.7706% | 3,401 |
| Total risk-based capital ratio | 15.9654% | 3,379 |
| Memoranda: |
| Average total assets | $40,034,000 | 5,839 |
| Average earning assets | $37,618,750 | 5,812 |
| Average equity | $3,858,000 | 5,959 |
| Average total loans | $23,498,750 | 5,674 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1177% | 2,834 |
| Cost of funding earning assets | 0.4385% | 2,856 |
| Net interest margin | 3.6792% | 2,800 |
| Noninterest income to average assets | 0.2512% | 5,150 |
| Noninterest expense to average assets | 2.3767% | 4,629 |
| Loan and lease loss provision to assets | 0.1759% | 1,181 |
| Net operating income to assets | 0.7839% | 3,471 |
| Return on assets (ROA) | 0.7839% | 3,574 |
| Pretax return on assets | 1.1557% | 2,950 |
| Return on Equity (ROE) | 8.1954% | 2,943 |
| Retained earnings to average equity (ytd only) | 8.1954% | 1,188 |
| Net charge-offs to loans | 0.3195% | 823 |
| Credit loss provision to net charge-offs | 94.5946% | 2,148 |
| Earnings coverage of net charge-offs (x) | 7.1622% | 2,702 |
| Efficiency ratio | 64.0921% | 4,345 |
| Assets per employee ($millions) | 3.7530% | 4,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3357% | 3,045 |
| Loan loss allowance to noncurrent loans | 864.8649% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.0896% | 5,506 |
| Noncurrent loans to loans | 0.1544% | 5,133 |
| Net loans and leases to total assets | 57.2584% | 4,189 |
| Net loans and leases to deposits | 78.4091% | 2,978 |
| Net loans and leases to core deposits | 81.2274% | 3,259 |
| Total domestic deposits to total assets | 73.0252% | 5,865 |
| Equity capital to assets | 9.4470% | 4,718 |
| Core capital (leverage) ratio | 9.5085% | 4,270 |
| Tier 1 risk-based capital ratio | 14.8770% | 3,426 |
| Total risk-based capital ratio | 16.0977% | 3,383 |
| Memoranda: |
| Average total assets | $39,803,330 | 5,905 |
| Average earning assets | $37,399,670 | 5,877 |
| Average equity | $3,807,000 | 6,027 |
| Average total loans | $23,160,000 | 5,738 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0933% | 2,862 |
| Cost of funding earning assets | 0.4234% | 3,026 |
| Net interest margin | 3.6698% | 2,734 |
| Noninterest income to average assets | 0.2253% | 5,343 |
| Noninterest expense to average assets | 2.4473% | 4,457 |
| Loan and lease loss provision to assets | 0.2048% | 889 |
| Net operating income to assets | 0.7065% | 3,767 |
| Return on assets (ROA) | 0.7065% | 3,893 |
| Pretax return on assets | 1.0342% | 3,365 |
| Return on Equity (ROE) | 7.3394% | 3,307 |
| Retained earnings to average equity (ytd only) | 7.3394% | 1,837 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3889% | 4,082 |
| Assets per employee ($millions) | 3.6952% | 4,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4600% | 2,620 |
| Loan loss allowance to noncurrent loans | 526.1538% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.1599% | 5,314 |
| Noncurrent loans to loans | 0.2775% | 4,790 |
| Net loans and leases to total assets | 56.7865% | 4,113 |
| Net loans and leases to deposits | 77.9166% | 2,817 |
| Net loans and leases to core deposits | 79.5191% | 3,224 |
| Total domestic deposits to total assets | 72.8811% | 5,986 |
| Equity capital to assets | 9.4447% | 4,813 |
| Core capital (leverage) ratio | 9.7784% | 3,916 |
| Tier 1 risk-based capital ratio | 13.1979% | 4,500 |
| Total risk-based capital ratio | 13.1979% | 5,164 |
| Memoranda: |
| Average total assets | $39,063,500 | 5,982 |
| Average earning assets | $36,841,000 | 5,943 |
| Average equity | $3,760,500 | 6,096 |
| Average total loans | $22,761,000 | 5,799 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8183% | 4,433 |
| Cost of funding earning assets | 0.4521% | 3,148 |
| Net interest margin | 3.3662% | 4,348 |
| Noninterest income to average assets | 0.2828% | 5,098 |
| Noninterest expense to average assets | 2.4403% | 4,727 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6363% | 4,206 |
| Return on assets (ROA) | 0.6363% | 4,309 |
| Pretax return on assets | 0.9426% | 3,721 |
| Return on Equity (ROE) | 6.9183% | 3,680 |
| Retained earnings to average equity (ytd only) | 6.2066% | 1,806 |
| Net charge-offs to loans | 0.3723% | 1,159 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 5.2941% | 3,461 |
| Efficiency ratio | 72.1362% | 3,184 |
| Assets per employee ($millions) | 3.7480% | 4,447 |
| Cash dividends to net income (ytd only)* | 10.2881% | 4,110 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4571% | 2,658 |
| Loan loss allowance to noncurrent loans | 495.3846% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.1734% | 5,330 |
| Noncurrent loans to loans | 0.2941% | 4,796 |
| Net loans and leases to total assets | 58.1003% | 4,034 |
| Net loans and leases to deposits | 81.7172% | 2,508 |
| Net loans and leases to core deposits | 83.5899% | 2,944 |
| Total domestic deposits to total assets | 71.0993% | 6,136 |
| Equity capital to assets | 9.8239% | 4,319 |
| Core capital (leverage) ratio | 9.7429% | 3,911 |
| Tier 1 risk-based capital ratio | 13.7515% | 4,266 |
| Total risk-based capital ratio | 14.9402% | 4,237 |
| Memoranda: |
| Average total assets | $38,192,400 | 6,079 |
| Average earning assets | $35,173,000 | 6,058 |
| Average equity | $3,512,400 | 6,179 |
| Average total loans | $18,262,600 | 6,034 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7413% | 4,739 |
| Cost of funding earning assets | 0.4653% | 3,098 |
| Net interest margin | 3.2760% | 4,694 |
| Noninterest income to average assets | 0.2815% | 5,191 |
| Noninterest expense to average assets | 2.3733% | 4,905 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6324% | 4,292 |
| Return on assets (ROA) | 0.6324% | 4,396 |
| Pretax return on assets | 0.8930% | 4,021 |
| Return on Equity (ROE) | 6.9931% | 3,712 |
| Retained earnings to average equity (ytd only) | 6.0326% | 2,391 |
| Net charge-offs to loans | -0.0462% | 5,874 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6596% | 3,067 |
| Assets per employee ($millions) | 3.7600% | 4,376 |
| Cash dividends to net income (ytd only)* | 13.7353% | 3,437 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9665% | 1,317 |
| Loan loss allowance to noncurrent loans | 412.5000% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.2553% | 5,220 |
| Noncurrent loans to loans | 0.4767% | 4,477 |
| Net loans and leases to total assets | 52.5027% | 4,751 |
| Net loans and leases to deposits | 74.7822% | 3,329 |
| Net loans and leases to core deposits | 75.6418% | 3,791 |
| Total domestic deposits to total assets | 70.2074% | 6,277 |
| Equity capital to assets | 9.5532% | 4,729 |
| Core capital (leverage) ratio | 9.5618% | 4,290 |
| Tier 1 risk-based capital ratio | 13.7013% | 4,415 |
| Total risk-based capital ratio | 14.9540% | 4,351 |
| Memoranda: |
| Average total assets | $38,370,500 | 6,148 |
| Average earning assets | $34,960,750 | 6,137 |
| Average equity | $3,470,000 | 6,254 |
| Average total loans | $17,303,750 | 6,139 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6070% | 5,131 |
| Cost of funding earning assets | 0.4645% | 3,168 |
| Net interest margin | 3.1425% | 5,114 |
| Noninterest income to average assets | 0.2692% | 5,280 |
| Noninterest expense to average assets | 2.3558% | 5,006 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5488% | 4,610 |
| Return on assets (ROA) | 0.5488% | 4,710 |
| Pretax return on assets | 0.7508% | 4,455 |
| Return on Equity (ROE) | 6.1820% | 4,062 |
| Retained earnings to average equity (ytd only) | 4.7240% | 3,136 |
| Net charge-offs to loans | -0.0856% | 6,097 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8333% | 2,667 |
| Assets per employee ($millions) | 3.9286% | 4,000 |
| Cash dividends to net income (ytd only)* | 23.5849% | 3,051 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1102% | 1,161 |
| Loan loss allowance to noncurrent loans | 339.3162% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.2978% | 5,173 |
| Noncurrent loans to loans | 0.6219% | 4,159 |
| Net loans and leases to total assets | 46.8767% | 5,279 |
| Net loans and leases to deposits | 66.5703% | 4,212 |
| Net loans and leases to core deposits | 67.3001% | 4,522 |
| Total domestic deposits to total assets | 70.4169% | 6,338 |
| Equity capital to assets | 9.0134% | 5,285 |
| Core capital (leverage) ratio | 9.1636% | 4,798 |
| Tier 1 risk-based capital ratio | 12.6472% | 5,127 |
| Total risk-based capital ratio | 13.8985% | 5,064 |
| Memoranda: |
| Average total assets | $38,627,330 | 6,204 |
| Average earning assets | $34,877,000 | 6,194 |
| Average equity | $3,429,330 | 6,307 |
| Average total loans | $16,359,330 | 6,223 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4102% | 5,624 |
| Cost of funding earning assets | 0.4756% | 3,171 |
| Net interest margin | 2.9346% | 5,683 |
| Noninterest income to average assets | 0.2298% | 5,518 |
| Noninterest expense to average assets | 2.3604% | 5,034 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4178% | 5,050 |
| Return on assets (ROA) | 0.4178% | 5,119 |
| Pretax return on assets | 0.5118% | 5,131 |
| Return on Equity (ROE) | 4.7428% | 4,668 |
| Retained earnings to average equity (ytd only) | 4.7428% | 3,270 |
| Net charge-offs to loans | -0.0529% | 5,824 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1818% | 1,902 |
| Assets per employee ($millions) | 3.9241% | 4,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4691% | 843 |
| Loan loss allowance to noncurrent loans | 332.2034% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.3007% | 5,256 |
| Noncurrent loans to loans | 0.7433% | 4,008 |
| Net loans and leases to total assets | 39.4587% | 5,847 |
| Net loans and leases to deposits | 56.1890% | 5,101 |
| Net loans and leases to core deposits | 56.8074% | 5,291 |
| Total domestic deposits to total assets | 70.2250% | 6,445 |
| Equity capital to assets | 8.7409% | 5,406 |
| Core capital (leverage) ratio | 9.2197% | 4,694 |
| Tier 1 risk-based capital ratio | 12.8162% | 5,110 |
| Total risk-based capital ratio | 14.0668% | 5,061 |
| Memoranda: |
| Average total assets | $38,298,000 | 6,278 |
| Average earning assets | $34,485,000 | 6,272 |
| Average equity | $3,373,500 | 6,372 |
| Average total loans | $15,132,500 | 6,344 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2853% | 6,018 |
| Cost of funding earning assets | 0.5437% | 3,167 |
| Net interest margin | 2.7417% | 6,084 |
| Noninterest income to average assets | 0.4505% | 4,088 |
| Noninterest expense to average assets | 1.9427% | 6,118 |
| Loan and lease loss provision to assets | 0.0636% | 3,861 |
| Net operating income to assets | 0.6838% | 3,882 |
| Return on assets (ROA) | 0.6838% | 3,975 |
| Pretax return on assets | 0.9302% | 3,641 |
| Return on Equity (ROE) | 7.6635% | 3,215 |
| Retained earnings to average equity (ytd only) | 4.0991% | 3,263 |
| Net charge-offs to loans | -0.0138% | 6,074 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1552% | 4,530 |
| Assets per employee ($millions) | 3.7355% | 4,397 |
| Cash dividends to net income (ytd only)* | 46.5116% | 2,458 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7104% | 658 |
| Loan loss allowance to noncurrent loans | 314.5161% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.3320% | 5,268 |
| Noncurrent loans to loans | 0.8618% | 3,826 |
| Net loans and leases to total assets | 37.4756% | 6,129 |
| Net loans and leases to deposits | 52.1806% | 5,607 |
| Net loans and leases to core deposits | 52.7707% | 5,741 |
| Total domestic deposits to total assets | 71.8190% | 6,433 |
| Equity capital to assets | 8.8797% | 5,171 |
| Core capital (leverage) ratio | 9.2047% | 4,716 |
| Tier 1 risk-based capital ratio | 13.4471% | 4,685 |
| Total risk-based capital ratio | 14.7009% | 4,623 |
| Memoranda: |
| Average total assets | $37,731,800 | 6,345 |
| Average earning assets | $34,212,600 | 6,342 |
| Average equity | $3,366,600 | 6,461 |
| Average total loans | $14,503,000 | 6,437 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2696% | 6,107 |
| Cost of funding earning assets | 0.5482% | 3,279 |
| Net interest margin | 2.7215% | 6,137 |
| Noninterest income to average assets | 0.4230% | 4,346 |
| Noninterest expense to average assets | 1.8082% | 6,329 |
| Loan and lease loss provision to assets | 0.0705% | 3,655 |
| Net operating income to assets | 0.7120% | 3,802 |
| Return on assets (ROA) | 0.7120% | 3,930 |
| Pretax return on assets | 1.0116% | 3,466 |
| Return on Equity (ROE) | 7.9707% | 3,137 |
| Retained earnings to average equity (ytd only) | 5.6031% | 2,658 |
| Net charge-offs to loans | 0.0734% | 3,893 |
| Credit loss provision to net charge-offs | 250.0000% | 978 |
| Earnings coverage of net charge-offs (x) | 38.3618% | 1,036 |
| Efficiency ratio | 62.5610% | 5,058 |
| Assets per employee ($millions) | 3.8163% | 4,198 |
| Cash dividends to net income (ytd only)* | 29.7033% | 2,710 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6379% | 799 |
| Loan loss allowance to noncurrent loans | 225.1497% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.4376% | 5,117 |
| Noncurrent loans to loans | 1.1716% | 3,479 |
| Net loans and leases to total assets | 36.3651% | 6,264 |
| Net loans and leases to deposits | 50.4581% | 5,802 |
| Net loans and leases to core deposits | 51.0146% | 5,953 |
| Total domestic deposits to total assets | 72.0698% | 6,489 |
| Equity capital to assets | 8.8043% | 5,421 |
| Core capital (leverage) ratio | 9.1354% | 4,912 |
| Tier 1 risk-based capital ratio | 13.1262% | 5,033 |
| Total risk-based capital ratio | 14.3786% | 4,982 |
| Memoranda: |
| Average total assets | $37,826,000 | 6,414 |
| Average earning assets | $34,294,500 | 6,410 |
| Average equity | $3,379,000 | 6,533 |
| Average total loans | $14,531,500 | 6,504 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3503% | 6,005 |
| Cost of funding earning assets | 0.5711% | 3,209 |
| Net interest margin | 2.7791% | 6,045 |
| Noninterest income to average assets | 0.4508% | 4,157 |
| Noninterest expense to average assets | 1.7765% | 6,411 |
| Loan and lease loss provision to assets | 0.0795% | 3,467 |
| Net operating income to assets | 0.7583% | 3,520 |
| Return on assets (ROA) | 0.7583% | 3,671 |
| Pretax return on assets | 1.0977% | 3,101 |
| Return on Equity (ROE) | 8.4482% | 2,877 |
| Retained earnings to average equity (ytd only) | 4.9035% | 3,117 |
| Net charge-offs to loans | 0.0684% | 3,734 |
| Credit loss provision to net charge-offs | 300.0000% | 851 |
| Earnings coverage of net charge-offs (x) | 44.4000% | 861 |
| Efficiency ratio | 60.1436% | 5,468 |
| Assets per employee ($millions) | 3.8612% | 4,086 |
| Cash dividends to net income (ytd only)* | 41.9580% | 2,180 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5729% | 909 |
| Loan loss allowance to noncurrent loans | 311.6667% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.3108% | 5,545 |
| Noncurrent loans to loans | 0.8255% | 4,265 |
| Net loans and leases to total assets | 36.6777% | 6,259 |
| Net loans and leases to deposits | 50.4740% | 5,803 |
| Net loans and leases to core deposits | 51.0195% | 5,960 |
| Total domestic deposits to total assets | 72.6665% | 6,524 |
| Equity capital to assets | 8.4792% | 5,785 |
| Core capital (leverage) ratio | 8.7153% | 5,396 |
| Tier 1 risk-based capital ratio | 12.6605% | 5,383 |
| Total risk-based capital ratio | 13.9115% | 5,326 |
| Memoranda: |
| Average total assets | $37,713,670 | 6,463 |
| Average earning assets | $33,967,330 | 6,465 |
| Average equity | $3,385,330 | 6,583 |
| Average total loans | $14,624,000 | 6,537 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3419% | 6,061 |
| Cost of funding earning assets | 0.5946% | 3,156 |
| Net interest margin | 2.7472% | 6,132 |
| Noninterest income to average assets | 0.2791% | 5,459 |
| Noninterest expense to average assets | 1.5457% | 6,706 |
| Loan and lease loss provision to assets | 0.0751% | 3,377 |
| Net operating income to assets | 0.7836% | 3,256 |
| Return on assets (ROA) | 0.7836% | 3,389 |
| Pretax return on assets | 1.1378% | 2,824 |
| Return on Equity (ROE) | 8.4859% | 2,725 |
| Retained earnings to average equity (ytd only) | 8.4859% | 1,567 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0311% | 6,062 |
| Assets per employee ($millions) | 4.0415% | 3,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4993% | 1,118 |
| Loan loss allowance to noncurrent loans | 296.8000% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.4330% | 5,304 |
| Noncurrent loans to loans | 0.8421% | 4,433 |
| Net loans and leases to total assets | 35.8110% | 6,307 |
| Net loans and leases to deposits | 48.7684% | 5,866 |
| Net loans and leases to core deposits | 49.2664% | 6,015 |
| Total domestic deposits to total assets | 73.4307% | 6,570 |
| Equity capital to assets | 8.5587% | 5,955 |
| Core capital (leverage) ratio | 9.0477% | 4,810 |
| Tier 1 risk-based capital ratio | 12.1660% | 5,812 |
| Total risk-based capital ratio | 13.4172% | 5,771 |
| Memoranda: |
| Average total assets | $37,264,500 | 6,540 |
| Average earning assets | $33,634,000 | 6,537 |
| Average equity | $3,441,000 | 6,634 |
| Average total loans | $14,668,000 | 6,598 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8999% | 5,572 |
| Cost of funding earning assets | 0.6511% | 3,904 |
| Net interest margin | 3.2488% | 5,432 |
| Noninterest income to average assets | 0.3625% | 4,889 |
| Noninterest expense to average assets | 2.2961% | 5,700 |
| Loan and lease loss provision to assets | 0.1768% | 3,414 |
| Net operating income to assets | 0.5694% | 4,380 |
| Return on assets (ROA) | 0.6573% | 4,224 |
| Pretax return on assets | 0.9255% | 3,828 |
| Return on Equity (ROE) | 6.5789% | 3,871 |
| Retained earnings to average equity (ytd only) | 3.0387% | 4,097 |
| Net charge-offs to loans | 0.0332% | 5,453 |
| Credit loss provision to net charge-offs | 1,200.0000% | 207 |
| Earnings coverage of net charge-offs (x) | 66.4000% | 542 |
| Efficiency ratio | 70.1170% | 3,794 |
| Assets per employee ($millions) | 3.4114% | 5,186 |
| Cash dividends to net income (ytd only)* | 53.8117% | 2,128 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5117% | 1,118 |
| Loan loss allowance to noncurrent loans | 300.8264% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.5745% | 5,047 |
| Noncurrent loans to loans | 0.8349% | 4,526 |
| Net loans and leases to total assets | 41.4141% | 6,060 |
| Net loans and leases to deposits | 52.9992% | 5,739 |
| Net loans and leases to core deposits | 52.9992% | 5,939 |
| Total domestic deposits to total assets | 78.1409% | 6,058 |
| Equity capital to assets | 10.0340% | 4,122 |
| Core capital (leverage) ratio | 9.9471% | 3,471 |
| Tier 1 risk-based capital ratio | 12.7113% | 5,322 |
| Total risk-based capital ratio | 13.9639% | 5,256 |
| Memoranda: |
| Average total assets | $33,927,800 | 6,658 |
| Average earning assets | $30,411,000 | 6,651 |
| Average equity | $3,389,600 | 6,710 |
| Average total loans | $15,079,000 | 6,653 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9397% | 5,684 |
| Cost of funding earning assets | 0.6639% | 4,075 |
| Net interest margin | 3.2757% | 5,471 |
| Noninterest income to average assets | 0.3384% | 5,101 |
| Noninterest expense to average assets | 2.3375% | 5,577 |
| Loan and lease loss provision to assets | 0.1771% | 3,368 |
| Net operating income to assets | 0.5549% | 4,601 |
| Return on assets (ROA) | 0.5549% | 4,859 |
| Pretax return on assets | 0.7556% | 4,657 |
| Return on Equity (ROE) | 5.5601% | 4,565 |
| Retained earnings to average equity (ytd only) | 3.1941% | 4,621 |
| Net charge-offs to loans | 0.0438% | 5,038 |
| Credit loss provision to net charge-offs | 900.0000% | 314 |
| Earnings coverage of net charge-offs (x) | 47.3748% | 782 |
| Efficiency ratio | 71.4801% | 3,416 |
| Assets per employee ($millions) | 3.0371% | 5,989 |
| Cash dividends to net income (ytd only)* | 42.5532% | 2,035 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3605% | 1,417 |
| Loan loss allowance to noncurrent loans | 97.4860% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 1.4577% | 3,417 |
| Noncurrent loans to loans | 2.4214% | 2,376 |
| Net loans and leases to total assets | 43.2112% | 6,024 |
| Net loans and leases to deposits | 55.3273% | 5,685 |
| Net loans and leases to core deposits | 55.3273% | 5,938 |
| Total domestic deposits to total assets | 78.1011% | 6,054 |
| Equity capital to assets | 10.3059% | 4,071 |
| Core capital (leverage) ratio | 10.1729% | 3,313 |
| Tier 1 risk-based capital ratio | 12.5879% | 5,577 |
| Total risk-based capital ratio | 13.8403% | 5,535 |
| Memoranda: |
| Average total assets | $33,881,250 | 6,738 |
| Average earning assets | $30,323,500 | 6,741 |
| Average equity | $3,381,250 | 6,799 |
| Average total loans | $15,225,750 | 6,733 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0013% | 5,630 |
| Cost of funding earning assets | 0.6745% | 4,233 |
| Net interest margin | 3.3268% | 5,362 |
| Noninterest income to average assets | 0.3173% | 5,282 |
| Noninterest expense to average assets | 2.2797% | 5,795 |
| Loan and lease loss provision to assets | 0.1763% | 3,339 |
| Net operating income to assets | 0.6228% | 4,262 |
| Return on assets (ROA) | 0.6228% | 4,510 |
| Pretax return on assets | 0.8461% | 4,292 |
| Return on Equity (ROE) | 6.3083% | 4,152 |
| Retained earnings to average equity (ytd only) | 2.7375% | 4,800 |
| Net charge-offs to loans | 0.0520% | 4,679 |
| Credit loss provision to net charge-offs | 750.0000% | 416 |
| Earnings coverage of net charge-offs (x) | 43.5000% | 819 |
| Efficiency ratio | 69.0391% | 3,933 |
| Assets per employee ($millions) | 3.0422% | 5,976 |
| Cash dividends to net income (ytd only)* | 56.6038% | 1,489 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2428% | 1,686 |
| Loan loss allowance to noncurrent loans | 79.3839% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 1.7123% | 3,154 |
| Noncurrent loans to loans | 2.8252% | 2,119 |
| Net loans and leases to total assets | 43.6350% | 6,050 |
| Net loans and leases to deposits | 56.7751% | 5,574 |
| Net loans and leases to core deposits | 56.7751% | 5,882 |
| Total domestic deposits to total assets | 76.8557% | 6,349 |
| Equity capital to assets | 10.0974% | 4,189 |
| Core capital (leverage) ratio | 9.8361% | 3,668 |
| Tier 1 risk-based capital ratio | 12.8263% | 5,316 |
| Total risk-based capital ratio | 14.0771% | 5,286 |
| Memoranda: |
| Average total assets | $34,039,000 | 6,787 |
| Average earning assets | $30,540,000 | 6,781 |
| Average equity | $3,360,670 | 6,840 |
| Average total loans | $15,372,670 | 6,781 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0480% | 5,614 |
| Cost of funding earning assets | 0.7051% | 4,237 |
| Net interest margin | 3.3429% | 5,326 |
| Noninterest income to average assets | 0.2680% | 5,732 |
| Noninterest expense to average assets | 2.2140% | 6,005 |
| Loan and lease loss provision to assets | 0.1748% | 3,218 |
| Net operating income to assets | 0.6293% | 4,221 |
| Return on assets (ROA) | 0.6293% | 4,431 |
| Pretax return on assets | 0.8623% | 4,186 |
| Return on Equity (ROE) | 6.4449% | 4,068 |
| Retained earnings to average equity (ytd only) | 6.4449% | 2,717 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1004% | 4,152 |
| Assets per employee ($millions) | 3.2152% | 5,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0923% | 2,118 |
| Loan loss allowance to noncurrent loans | 174.1935% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.9529% | 4,602 |
| Noncurrent loans to loans | 1.2012% | 4,328 |
| Net loans and leases to total assets | 42.8676% | 6,112 |
| Net loans and leases to deposits | 56.8552% | 5,505 |
| Net loans and leases to core deposits | 56.8552% | 5,832 |
| Total domestic deposits to total assets | 75.3980% | 6,600 |
| Equity capital to assets | 9.5371% | 4,744 |
| Core capital (leverage) ratio | 9.7375% | 3,722 |
| Tier 1 risk-based capital ratio | 12.5089% | 5,594 |
| Total risk-based capital ratio | 13.7297% | 5,586 |
| Memoranda: |
| Average total assets | $34,326,500 | 6,837 |
| Average earning assets | $30,632,500 | 6,826 |
| Average equity | $3,351,500 | 6,887 |
| Average total loans | $15,590,500 | 6,815 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4870% | 5,132 |
| Cost of funding earning assets | 0.9552% | 3,685 |
| Net interest margin | 3.5319% | 5,015 |
| Noninterest income to average assets | 0.2812% | 5,519 |
| Noninterest expense to average assets | 2.2833% | 6,080 |
| Loan and lease loss provision to assets | 0.2598% | 3,614 |
| Net operating income to assets | 0.6809% | 3,575 |
| Return on assets (ROA) | 0.6877% | 3,732 |
| Pretax return on assets | 0.9231% | 3,538 |
| Return on Equity (ROE) | 6.9112% | 3,436 |
| Retained earnings to average equity (ytd only) | 3.2252% | 3,923 |
| Net charge-offs to loans | 0.4669% | 3,121 |
| Credit loss provision to net charge-offs | 121.4286% | 2,607 |
| Earnings coverage of net charge-offs (x) | 5.4857% | 2,778 |
| Efficiency ratio | 66.0477% | 4,762 |
| Assets per employee ($millions) | 3.0260% | 6,028 |
| Cash dividends to net income (ytd only)* | 53.3333% | 1,892 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9687% | 2,376 |
| Loan loss allowance to noncurrent loans | 156.8528% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 1.0455% | 4,518 |
| Noncurrent loans to loans | 1.2551% | 4,271 |
| Net loans and leases to total assets | 46.2266% | 5,994 |
| Net loans and leases to deposits | 59.8064% | 5,508 |
| Net loans and leases to core deposits | 59.8064% | 5,866 |
| Total domestic deposits to total assets | 77.2938% | 6,300 |
| Equity capital to assets | 10.0042% | 4,165 |
| Core capital (leverage) ratio | 9.8087% | 3,589 |
| Tier 1 risk-based capital ratio | 12.5475% | 5,409 |
| Total risk-based capital ratio | 13.7347% | 5,449 |
| Memoranda: |
| Average total assets | $32,715,400 | 6,901 |
| Average earning assets | $29,418,000 | 6,883 |
| Average equity | $3,255,600 | 6,945 |
| Average total loans | $14,992,200 | 6,905 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4835% | 5,299 |
| Cost of funding earning assets | 1.0059% | 3,638 |
| Net interest margin | 3.4775% | 5,284 |
| Noninterest income to average assets | 0.3438% | 5,113 |
| Noninterest expense to average assets | 2.2718% | 6,115 |
| Loan and lease loss provision to assets | 0.2865% | 3,222 |
| Net operating income to assets | 0.6786% | 3,726 |
| Return on assets (ROA) | 0.6877% | 3,850 |
| Pretax return on assets | 0.9251% | 3,672 |
| Return on Equity (ROE) | 6.9197% | 3,563 |
| Retained earnings to average equity (ytd only) | 4.4486% | 3,556 |
| Net charge-offs to loans | 0.0540% | 5,431 |
| Credit loss provision to net charge-offs | 1,166.6667% | 232 |
| Earnings coverage of net charge-offs (x) | 48.8325% | 663 |
| Efficiency ratio | 65.4481% | 4,814 |
| Assets per employee ($millions) | 2.9637% | 6,199 |
| Cash dividends to net income (ytd only)* | 35.7159% | 2,231 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1564% | 1,949 |
| Loan loss allowance to noncurrent loans | 136.1217% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 1.3589% | 4,104 |
| Noncurrent loans to loans | 1.5841% | 3,921 |
| Net loans and leases to total assets | 49.8267% | 5,723 |
| Net loans and leases to deposits | 67.3103% | 4,722 |
| Net loans and leases to core deposits | 68.5343% | 5,119 |
| Total domestic deposits to total assets | 74.0253% | 6,756 |
| Equity capital to assets | 10.2758% | 3,993 |
| Core capital (leverage) ratio | 10.1073% | 3,297 |
| Tier 1 risk-based capital ratio | 12.8883% | 5,178 |
| Total risk-based capital ratio | 14.1421% | 5,155 |
| Memoranda: |
| Average total assets | $32,572,750 | 6,966 |
| Average earning assets | $29,292,000 | 6,955 |
| Average equity | $3,237,000 | 7,007 |
| Average total loans | $14,816,250 | 6,977 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4109% | 5,645 |
| Cost of funding earning assets | 1.0720% | 3,456 |
| Net interest margin | 3.3389% | 5,746 |
| Noninterest income to average assets | 0.3132% | 5,395 |
| Noninterest expense to average assets | 2.2971% | 6,143 |
| Loan and lease loss provision to assets | 0.1843% | 4,077 |
| Net operating income to assets | 0.6309% | 3,908 |
| Return on assets (ROA) | 0.6449% | 3,948 |
| Pretax return on assets | 0.8537% | 3,817 |
| Return on Equity (ROE) | 6.5639% | 3,668 |
| Retained earnings to average equity (ytd only) | 2.8131% | 4,491 |
| Net charge-offs to loans | 0.0281% | 5,437 |
| Credit loss provision to net charge-offs | 1,500.0000% | 227 |
| Earnings coverage of net charge-offs (x) | 83.0000% | 414 |
| Efficiency ratio | 69.2593% | 4,271 |
| Assets per employee ($millions) | 2.9452% | 6,206 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,438 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2679% | 1,797 |
| Loan loss allowance to noncurrent loans | 118.3824% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 1.3952% | 4,131 |
| Noncurrent loans to loans | 1.9158% | 3,588 |
| Net loans and leases to total assets | 42.8311% | 6,535 |
| Net loans and leases to deposits | 56.2396% | 6,110 |
| Net loans and leases to core deposits | 57.2371% | 6,329 |
| Total domestic deposits to total assets | 76.1583% | 6,576 |
| Equity capital to assets | 10.1553% | 3,938 |
| Core capital (leverage) ratio | 9.6767% | 3,692 |
| Tier 1 risk-based capital ratio | 13.0437% | 4,884 |
| Total risk-based capital ratio | 14.2927% | 4,867 |
| Memoranda: |
| Average total assets | $32,563,330 | 7,031 |
| Average earning assets | $29,291,330 | 7,020 |
| Average equity | $3,199,330 | 7,069 |
| Average total loans | $14,221,000 | 7,076 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3827% | 5,747 |
| Cost of funding earning assets | 1.0889% | 3,593 |
| Net interest margin | 3.2939% | 5,801 |
| Noninterest income to average assets | 0.2941% | 5,565 |
| Noninterest expense to average assets | 2.2054% | 6,410 |
| Loan and lease loss provision to assets | 0.1838% | 3,775 |
| Net operating income to assets | 0.6616% | 3,698 |
| Return on assets (ROA) | 0.6616% | 3,773 |
| Pretax return on assets | 0.8699% | 3,623 |
| Return on Equity (ROE) | 6.8484% | 3,465 |
| Retained earnings to average equity (ytd only) | 6.8484% | 2,214 |
| Net charge-offs to loans | 0.0562% | 4,372 |
| Credit loss provision to net charge-offs | 750.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 650 |
| Efficiency ratio | 67.6692% | 4,720 |
| Assets per employee ($millions) | 3.1233% | 5,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2481% | 1,862 |
| Loan loss allowance to noncurrent loans | 105.8621% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 1.3680% | 4,239 |
| Noncurrent loans to loans | 2.1236% | 3,415 |
| Net loans and leases to total assets | 38.8549% | 6,852 |
| Net loans and leases to deposits | 49.0935% | 6,682 |
| Net loans and leases to core deposits | 49.8786% | 6,780 |
| Total domestic deposits to total assets | 79.1448% | 6,155 |
| Equity capital to assets | 9.5151% | 4,410 |
| Core capital (leverage) ratio | 10.0828% | 3,057 |
| Tier 1 risk-based capital ratio | 11.5398% | 6,069 |
| Total risk-based capital ratio | 12.6418% | 6,176 |
| Memoranda: |
| Average total assets | $32,646,500 | 7,082 |
| Average earning assets | $29,388,000 | 7,070 |
| Average equity | $3,154,000 | 7,126 |
| Average total loans | $14,232,500 | 7,129 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8978% | 5,043 |
| Cost of funding earning assets | 1.4229% | 3,123 |
| Net interest margin | 3.4749% | 5,344 |
| Noninterest income to average assets | -0.0561% | 7,359 |
| Noninterest expense to average assets | 2.3010% | 6,355 |
| Loan and lease loss provision to assets | 0.1981% | 5,252 |
| Net operating income to assets | 0.4424% | 4,351 |
| Return on assets (ROA) | 0.4424% | 4,511 |
| Pretax return on assets | 0.5084% | 4,590 |
| Return on Equity (ROE) | 4.3777% | 4,355 |
| Retained earnings to average equity (ytd only) | 1.7641% | 4,621 |
| Net charge-offs to loans | 0.2065% | 5,052 |
| Credit loss provision to net charge-offs | 206.8966% | 1,492 |
| Earnings coverage of net charge-offs (x) | 7.3793% | 2,143 |
| Efficiency ratio | 76.5093% | 2,960 |
| Assets per employee ($millions) | 2.8125% | 6,506 |
| Cash dividends to net income (ytd only)* | 59.7015% | 1,634 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9853% | 2,340 |
| Loan loss allowance to noncurrent loans | 97.3510% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 1.5418% | 4,001 |
| Noncurrent loans to loans | 2.0393% | 3,500 |
| Net loans and leases to total assets | 46.9179% | 6,484 |
| Net loans and leases to deposits | 57.9325% | 6,261 |
| Net loans and leases to core deposits | 58.9346% | 6,477 |
| Total domestic deposits to total assets | 80.9872% | 5,528 |
| Equity capital to assets | 9.8232% | 3,971 |
| Core capital (leverage) ratio | 9.5738% | 3,595 |
| Tier 1 risk-based capital ratio | 11.8671% | 5,605 |
| Total risk-based capital ratio | 13.0410% | 5,655 |
| Memoranda: |
| Average total assets | $30,291,800 | 7,195 |
| Average earning assets | $26,705,800 | 7,203 |
| Average equity | $3,061,000 | 7,262 |
| Average total loans | $14,042,200 | 7,206 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9940% | 4,849 |
| Cost of funding earning assets | 1.4911% | 3,032 |
| Net interest margin | 3.5029% | 5,280 |
| Noninterest income to average assets | 0.1947% | 6,490 |
| Noninterest expense to average assets | 2.2701% | 6,408 |
| Loan and lease loss provision to assets | 0.1991% | 5,059 |
| Net operating income to assets | 0.6151% | 3,817 |
| Return on assets (ROA) | 0.6151% | 3,987 |
| Pretax return on assets | 0.7921% | 3,942 |
| Return on Equity (ROE) | 6.0437% | 3,791 |
| Retained earnings to average equity (ytd only) | 6.0437% | 2,332 |
| Net charge-offs to loans | 0.2406% | 4,500 |
| Credit loss provision to net charge-offs | 180.0000% | 2,032 |
| Earnings coverage of net charge-offs (x) | 8.9607% | 2,085 |
| Efficiency ratio | 69.6065% | 4,153 |
| Assets per employee ($millions) | 2.8406% | 6,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9815% | 2,275 |
| Loan loss allowance to noncurrent loans | 2,572.7273% | 138 |
| Noncurrent assets plus other real estate owned to assets | 1.1361% | 4,847 |
| Noncurrent loans to loans | 0.0770% | 7,050 |
| Net loans and leases to total assets | 44.8011% | 6,787 |
| Net loans and leases to deposits | 55.9647% | 6,618 |
| Net loans and leases to core deposits | 56.9296% | 6,792 |
| Total domestic deposits to total assets | 80.0525% | 5,687 |
| Equity capital to assets | 10.1578% | 3,941 |
| Core capital (leverage) ratio | 10.0361% | 3,215 |
| Tier 1 risk-based capital ratio | 12.4298% | 5,053 |
| Total risk-based capital ratio | 13.5809% | 5,118 |
| Memoranda: |
| Average total assets | $30,130,500 | 7,290 |
| Average earning assets | $26,377,750 | 7,304 |
| Average equity | $3,066,500 | 7,350 |
| Average total loans | $13,850,500 | 7,306 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0543% | 4,681 |
| Cost of funding earning assets | 1.5540% | 2,940 |
| Net interest margin | 3.5003% | 5,242 |
| Noninterest income to average assets | 0.1075% | 7,064 |
| Noninterest expense to average assets | 2.2649% | 6,458 |
| Loan and lease loss provision to assets | 0.2016% | 4,856 |
| Net operating income to assets | 0.5578% | 4,041 |
| Return on assets (ROA) | 0.5578% | 4,191 |
| Pretax return on assets | 0.6990% | 4,243 |
| Return on Equity (ROE) | 5.4773% | 4,057 |
| Retained earnings to average equity (ytd only) | 5.4773% | 2,626 |
| Net charge-offs to loans | 0.2335% | 4,205 |
| Credit loss provision to net charge-offs | 187.5000% | 2,099 |
| Earnings coverage of net charge-offs (x) | 8.3750% | 2,146 |
| Efficiency ratio | 71.5499% | 3,891 |
| Assets per employee ($millions) | 2.8082% | 6,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9579% | 2,283 |
| Loan loss allowance to noncurrent loans | 728.9474% | 457 |
| Noncurrent assets plus other real estate owned to assets | 1.0586% | 5,021 |
| Noncurrent loans to loans | 0.2686% | 6,692 |
| Net loans and leases to total assets | 44.9045% | 6,861 |
| Net loans and leases to deposits | 56.0082% | 6,726 |
| Net loans and leases to core deposits | 56.9768% | 6,886 |
| Total domestic deposits to total assets | 80.1748% | 5,678 |
| Equity capital to assets | 10.0259% | 3,992 |
| Core capital (leverage) ratio | 9.8900% | 3,291 |
| Tier 1 risk-based capital ratio | 12.4580% | 4,900 |
| Total risk-based capital ratio | 13.6075% | 4,967 |
| Memoranda: |
| Average total assets | $29,758,330 | 7,353 |
| Average earning assets | $25,997,670 | 7,374 |
| Average equity | $3,030,670 | 7,407 |
| Average total loans | $13,706,670 | 7,369 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1987% | 4,022 |
| Cost of funding earning assets | 1.6434% | 2,687 |
| Net interest margin | 3.5553% | 4,923 |
| Noninterest income to average assets | 0.3289% | 5,512 |
| Noninterest expense to average assets | 2.3431% | 6,273 |
| Loan and lease loss provision to assets | 0.2055% | 4,444 |
| Net operating income to assets | 0.6577% | 3,630 |
| Return on assets (ROA) | 0.6577% | 3,743 |
| Pretax return on assets | 0.8632% | 3,614 |
| Return on Equity (ROE) | 6.4053% | 3,665 |
| Retained earnings to average equity (ytd only) | 6.4053% | 2,408 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6747% | 4,583 |
| Assets per employee ($millions) | 2.7108% | 6,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0503% | 2,060 |
| Loan loss allowance to noncurrent loans | 556.0000% | 580 |
| Noncurrent assets plus other real estate owned to assets | 1.2542% | 4,669 |
| Noncurrent loans to loans | 0.3688% | 6,564 |
| Net loans and leases to total assets | 44.5387% | 6,948 |
| Net loans and leases to deposits | 54.5914% | 6,878 |
| Net loans and leases to core deposits | 55.5481% | 7,013 |
| Total domestic deposits to total assets | 81.5856% | 5,237 |
| Equity capital to assets | 10.0976% | 3,751 |
| Core capital (leverage) ratio | 10.0463% | 3,108 |
| Tier 1 risk-based capital ratio | 12.7419% | 4,526 |
| Total risk-based capital ratio | 13.9509% | 4,524 |
| Memoranda: |
| Average total assets | $29,192,500 | 7,470 |
| Average earning assets | $25,314,000 | 7,481 |
| Average equity | $2,997,500 | 7,494 |
| Average total loans | $13,486,000 | 7,470 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2153% | 5,581 |
| Cost of funding earning assets | 1.8363% | 3,804 |
| Net interest margin | 3.3790% | 5,449 |
| Noninterest income to average assets | -0.3861% | 7,916 |
| Noninterest expense to average assets | 2.8090% | 4,939 |
| Loan and lease loss provision to assets | 2.1633% | 966 |
| Net operating income to assets | -2.3697% | 7,220 |
| Return on assets (ROA) | -2.2732% | 7,189 |
| Pretax return on assets | -2.2732% | 7,051 |
| Return on Equity (ROE) | -21.9798% | 7,210 |
| Retained earnings to average equity (ytd only) | -21.9798% | 7,178 |
| Net charge-offs to loans | 5.7009% | 193 |
| Credit loss provision to net charge-offs | 92.1986% | 5,931 |
| Earnings coverage of net charge-offs (x) | -0.0879% | 6,321 |
| Efficiency ratio | 107.9284% | 843 |
| Assets per employee ($millions) | 2.5969% | 7,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9608% | 2,108 |
| Loan loss allowance to noncurrent loans | 939.2857% | 381 |
| Noncurrent assets plus other real estate owned to assets | 1.2322% | 4,634 |
| Noncurrent loans to loans | 0.2088% | 6,904 |
| Net loans and leases to total assets | 46.0337% | 6,969 |
| Net loans and leases to deposits | 56.9067% | 6,858 |
| Net loans and leases to core deposits | 71.9484% | 6,662 |
| Total domestic deposits to total assets | 80.8934% | 5,375 |
| Equity capital to assets | 10.4460% | 3,247 |
| Core capital (leverage) ratio | 9.9211% | 3,169 |
| Tier 1 risk-based capital ratio | 13.1589% | 4,039 |
| Total risk-based capital ratio | 14.3601% | 4,022 |
| Memoranda: |
| Average total assets | $30,046,200 | 7,467 |
| Average earning assets | $26,575,600 | 7,479 |
| Average equity | $3,107,400 | 7,563 |
| Average total loans | $12,366,400 | 7,583 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1437% | 6,129 |
| Cost of funding earning assets | 1.8772% | 4,006 |
| Net interest margin | 3.2665% | 5,768 |
| Noninterest income to average assets | -0.2718% | 8,007 |
| Noninterest expense to average assets | 2.8405% | 4,720 |
| Loan and lease loss provision to assets | 2.4986% | 666 |
| Net operating income to assets | -2.7046% | 7,517 |
| Return on assets (ROA) | -2.7046% | 7,522 |
| Pretax return on assets | -2.7046% | 7,419 |
| Return on Equity (ROE) | -26.2137% | 7,532 |
| Retained earnings to average equity (ytd only) | -26.2137% | 7,515 |
| Net charge-offs to loans | 7.4019% | 96 |
| Credit loss provision to net charge-offs | 84.8214% | 5,629 |
| Earnings coverage of net charge-offs (x) | -0.0699% | 6,147 |
| Efficiency ratio | 107.8203% | 811 |
| Assets per employee ($millions) | 2.7417% | 6,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7667% | 2,392 |
| Loan loss allowance to noncurrent loans | 163.6364% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 1.7706% | 3,704 |
| Noncurrent loans to loans | 1.0797% | 5,150 |
| Net loans and leases to total assets | 39.8223% | 7,474 |
| Net loans and leases to deposits | 51.7539% | 7,313 |
| Net loans and leases to core deposits | 64.4175% | 7,229 |
| Total domestic deposits to total assets | 76.9455% | 6,351 |
| Equity capital to assets | 10.3220% | 3,703 |
| Core capital (leverage) ratio | 10.0997% | 3,176 |
| Tier 1 risk-based capital ratio | 12.9805% | 4,202 |
| Total risk-based capital ratio | 13.9316% | 4,359 |
| Memoranda: |
| Average total assets | $30,416,250 | 7,524 |
| Average earning assets | $27,061,750 | 7,528 |
| Average equity | $3,138,250 | 7,620 |
| Average total loans | $12,104,750 | 7,669 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9301% | 6,966 |
| Cost of funding earning assets | 1.9442% | 4,039 |
| Net interest margin | 2.9860% | 6,589 |
| Noninterest income to average assets | -0.5967% | 8,129 |
| Noninterest expense to average assets | 2.4720% | 6,216 |
| Loan and lease loss provision to assets | 3.4424% | 419 |
| Net operating income to assets | -3.8424% | 7,808 |
| Return on assets (ROA) | -3.8424% | 7,805 |
| Pretax return on assets | -3.8424% | 7,719 |
| Return on Equity (ROE) | -37.2457% | 7,816 |
| Retained earnings to average equity (ytd only) | -37.2457% | 7,799 |
| Net charge-offs to loans | 6.9793% | 135 |
| Credit loss provision to net charge-offs | 124.7031% | 3,733 |
| Earnings coverage of net charge-offs (x) | -0.1449% | 5,836 |
| Efficiency ratio | 119.3038% | 677 |
| Assets per employee ($millions) | 2.7228% | 6,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3977% | 412 |
| Loan loss allowance to noncurrent loans | 68.5065% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 3.7495% | 1,636 |
| Noncurrent loans to loans | 4.9597% | 1,244 |
| Net loans and leases to total assets | 40.0588% | 7,551 |
| Net loans and leases to deposits | 53.1897% | 7,327 |
| Net loans and leases to core deposits | 66.8897% | 7,176 |
| Total domestic deposits to total assets | 75.3130% | 6,694 |
| Equity capital to assets | 10.3269% | 3,593 |
| Core capital (leverage) ratio | 9.8964% | 3,397 |
| Tier 1 risk-based capital ratio | 13.5225% | 3,804 |
| Total risk-based capital ratio | 14.7798% | 3,732 |
| Memoranda: |
| Average total assets | $30,502,000 | 7,583 |
| Average earning assets | $27,261,000 | 7,586 |
| Average equity | $3,146,670 | 7,685 |
| Average total loans | $12,064,330 | 7,749 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7602% | 7,423 |
| Cost of funding earning assets | 2.0111% | 4,077 |
| Net interest margin | 2.7490% | 7,092 |
| Noninterest income to average assets | 0.2469% | 6,480 |
| Noninterest expense to average assets | 2.2224% | 6,796 |
| Loan and lease loss provision to assets | 6.2383% | 117 |
| Net operating income to assets | -5.7445% | 8,078 |
| Return on assets (ROA) | -5.7445% | 8,069 |
| Pretax return on assets | -5.7445% | 8,036 |
| Return on Equity (ROE) | -55.7114% | 8,069 |
| Retained earnings to average equity (ytd only) | -55.7114% | 8,051 |
| Net charge-offs to loans | 10.3310% | 59 |
| Credit loss provision to net charge-offs | 156.3518% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.1238% | 4,877 |
| Efficiency ratio | 81.8182% | 2,556 |
| Assets per employee ($millions) | 3.0957% | 5,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.3044% | 162 |
| Loan loss allowance to noncurrent loans | 58.3829% | 4,697 |
| Noncurrent assets plus other real estate owned to assets | 4.3092% | 1,147 |
| Noncurrent loans to loans | 7.3727% | 516 |
| Net loans and leases to total assets | 35.2618% | 7,758 |
| Net loans and leases to deposits | 47.6244% | 7,594 |
| Net loans and leases to core deposits | 58.9290% | 7,499 |
| Total domestic deposits to total assets | 74.0414% | 6,886 |
| Equity capital to assets | 10.4952% | 3,468 |
| Core capital (leverage) ratio | 10.2195% | 3,181 |
| Tier 1 risk-based capital ratio | 14.4818% | 3,321 |
| Total risk-based capital ratio | 15.7437% | 3,236 |
| Memoranda: |
| Average total assets | $30,777,500 | 7,615 |
| Average earning assets | $27,646,000 | 7,624 |
| Average equity | $3,173,500 | 7,729 |
| Average total loans | $11,886,500 | 7,810 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8440% | 6,282 |
| Cost of funding earning assets | 2.6920% | 3,193 |
| Net interest margin | 3.1520% | 6,516 |
| Noninterest income to average assets | 0.3338% | 6,065 |
| Noninterest expense to average assets | 2.7925% | 4,853 |
| Loan and lease loss provision to assets | 0.0991% | 6,111 |
| Net operating income to assets | 0.3173% | 5,489 |
| Return on assets (ROA) | 0.3173% | 5,305 |
| Pretax return on assets | 0.3404% | 5,415 |
| Return on Equity (ROE) | 3.1820% | 5,162 |
| Retained earnings to average equity (ytd only) | 1.8561% | 4,072 |
| Net charge-offs to loans | 0.0474% | 6,109 |
| Credit loss provision to net charge-offs | 500.0000% | 870 |
| Earnings coverage of net charge-offs (x) | 22.1667% | 1,487 |
| Efficiency ratio | 86.4008% | 1,816 |
| Assets per employee ($millions) | 3.0598% | 5,897 |
| Cash dividends to net income (ytd only)* | 41.6667% | 3,577 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5716% | 634 |
| Loan loss allowance to noncurrent loans | 86.8852% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 1.7419% | 2,808 |
| Noncurrent loans to loans | 2.9597% | 1,815 |
| Net loans and leases to total assets | 39.3751% | 7,699 |
| Net loans and leases to deposits | 52.9955% | 7,490 |
| Net loans and leases to core deposits | 67.2434% | 7,318 |
| Total domestic deposits to total assets | 74.2990% | 6,602 |
| Equity capital to assets | 10.1248% | 3,892 |
| Core capital (leverage) ratio | 9.5181% | 3,994 |
| Tier 1 risk-based capital ratio | 13.3130% | 3,923 |
| Total risk-based capital ratio | 14.5647% | 3,826 |
| Memoranda: |
| Average total assets | $30,259,400 | 7,637 |
| Average earning assets | $27,823,200 | 7,626 |
| Average equity | $3,017,000 | 7,832 |
| Average total loans | $12,646,800 | 7,791 |
