Home > First Bank > Performance and Condition Ratios
First Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2218% | 260 |
| Cost of funding earning assets | 1.2341% | 3,699 |
| Net interest margin | 5.9877% | 93 |
| Noninterest income to average assets | 0.4800% | 1,841 |
| Noninterest expense to average assets | 2.5041% | 2,296 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 3.6088% | 106 |
| Return on assets (ROA) | 3.6088% | 107 |
| Pretax return on assets | 3.6088% | 127 |
| Return on Equity (ROE) | 26.0200% | 174 |
| Retained earnings to average equity (ytd only) | 9.8752% | 1,207 |
| Net charge-offs to loans | 0.0258% | 1,473 |
| Credit loss provision to net charge-offs | 50.0000% | 1,542 |
| Earnings coverage of net charge-offs (x) | 241.7500% | 361 |
| Efficiency ratio | 40.9646% | 4,265 |
| Assets per employee ($millions) | 6.2542% | 2,751 |
| Cash dividends to net income (ytd only)* | 62.0476% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4866% | 219 |
| Loan loss allowance to noncurrent loans | 2,734.5455% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.0489% | 3,330 |
| Noncurrent loans to loans | 0.0909% | 3,208 |
| Net loans and leases to total assets | 52.3900% | 3,443 |
| Net loans and leases to deposits | 61.1857% | 3,427 |
| Net loans and leases to core deposits | 63.8505% | 3,547 |
| Total domestic deposits to total assets | 85.6300% | 2,437 |
| Equity capital to assets | 13.3679% | 839 |
| Core capital (leverage) ratio | 13.8435% | 836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4995% | 435 |
| Memoranda: | ||
| Average total assets | $107,183,000 | 3,724 |
| Average earning assets | $100,806,000 | 3,698 |
| Average equity | $14,865,500 | 3,387 |
| Average total loans | $62,126,500 | 3,677 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9,899.0000% | 34 |
| Cost of funding earning assets | -300.0000% | 4,515 |
| Net interest margin | 0.0000% | 4,448 |
| Noninterest income to average assets | 0.0000% | 4,443 |
| Noninterest expense to average assets | 0.0266% | 4,455 |
| Loan and lease loss provision to assets | NA | NA |
| Net operating income to assets | NA | NA |
| Return on assets (ROA) | 4.9041% | 76 |
| Pretax return on assets | 4.9041% | 92 |
| Return on Equity (ROE) | 35.8500% | 64 |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,901 |
| Net charge-offs to loans | 7.0000% | 35 |
| Credit loss provision to net charge-offs | 4.0000% | 2,527 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 1,451 |
| Efficiency ratio | 0.0000% | 4,474 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 2.3038% | 3,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1,095.0000% | 22 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | NA | NA |
| Noncurrent loans to loans | 2.0000% | 399 |
| Net loans and leases to total assets | NA | NA |
| Net loans and leases to deposits | 0.0000% | 4,387 |
| Net loans and leases to core deposits | 0.0334% | 4,362 |
| Total domestic deposits to total assets | 0.1495% | 4,432 |
| Equity capital to assets | 15,488.0000% | 40 |
| Core capital (leverage) ratio | 0.0000% | 4,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,000 | 4,510 |
| Average earning assets | $7,893 | 4,464 |
| Average equity | $0 | 4,450 |
| Average total loans | NA | NA |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3507% | 133 |
| Cost of funding earning assets | 1.1121% | 3,922 |
| Net interest margin | 7.2386% | 42 |
| Noninterest income to average assets | 0.5300% | 1,766 |
| Noninterest expense to average assets | 2.6503% | 1,813 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 4.7139% | 75 |
| Return on assets (ROA) | 4.7139% | 79 |
| Pretax return on assets | 4.7139% | 89 |
| Return on Equity (ROE) | 34.9300% | 73 |
| Retained earnings to average equity (ytd only) | 8.8966% | 1,144 |
| Net charge-offs to loans | -0.0159% | 4,110 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 35.9887% | 4,401 |
| Assets per employee ($millions) | 3.9333% | 4,143 |
| Cash dividends to net income (ytd only)* | 74.5299% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8682% | 167 |
| Loan loss allowance to noncurrent loans | 45,775.0000% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 3,789 |
| Noncurrent loans to loans | 0.0063% | 3,755 |
| Net loans and leases to total assets | 60.6300% | 2,871 |
| Net loans and leases to deposits | 71.4536% | 2,855 |
| Net loans and leases to core deposits | 74.6584% | 3,145 |
| Total domestic deposits to total assets | 84.8600% | 2,344 |
| Equity capital to assets | 13.9714% | 742 |
| Core capital (leverage) ratio | 13.5797% | 921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5867% | 629 |
| Memoranda: | ||
| Average total assets | $102,276,500 | 3,770 |
| Average earning assets | $96,628,250 | 3,736 |
| Average equity | $13,802,750 | 3,441 |
| Average total loans | $67,291,250 | 3,621 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3097% | 136 |
| Cost of funding earning assets | 1.0770% | 3,938 |
| Net interest margin | 7.2327% | 42 |
| Noninterest income to average assets | 0.5200% | 1,764 |
| Noninterest expense to average assets | 2.5948% | 1,964 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 4.7575% | 77 |
| Return on assets (ROA) | 4.7575% | 79 |
| Pretax return on assets | 4.7575% | 93 |
| Return on Equity (ROE) | 35.6700% | 83 |
| Retained earnings to average equity (ytd only) | 9.2808% | 1,032 |
| Net charge-offs to loans | -0.0351% | 4,264 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 35.2926% | 4,425 |
| Assets per employee ($millions) | 5.2524% | 3,406 |
| Cash dividends to net income (ytd only)* | 73.9827% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6715% | 195 |
| Loan loss allowance to noncurrent loans | 12,728.5714% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.0133% | 3,669 |
| Noncurrent loans to loans | 0.0210% | 3,626 |
| Net loans and leases to total assets | 61.8000% | 2,785 |
| Net loans and leases to deposits | 72.3104% | 2,822 |
| Net loans and leases to core deposits | 73.8612% | 3,167 |
| Total domestic deposits to total assets | 85.4700% | 2,161 |
| Equity capital to assets | 13.3264% | 804 |
| Core capital (leverage) ratio | 13.1118% | 1,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5867% | 630 |
| Memoranda: | ||
| Average total assets | $102,280,000 | 3,787 |
| Average earning assets | $96,562,000 | 3,753 |
| Average equity | $13,641,000 | 3,429 |
| Average total loans | $68,442,667 | 3,609 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3043% | 135 |
| Cost of funding earning assets | 1.0444% | 3,943 |
| Net interest margin | 7.2600% | 38 |
| Noninterest income to average assets | 0.5500% | 1,555 |
| Noninterest expense to average assets | 2.6562% | 1,798 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 4.7256% | 76 |
| Return on assets (ROA) | 4.7256% | 78 |
| Pretax return on assets | 4.7256% | 98 |
| Return on Equity (ROE) | 35.4200% | 91 |
| Retained earnings to average equity (ytd only) | 5.7049% | 2,191 |
| Net charge-offs to loans | -0.0462% | 4,309 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 35.9828% | 4,411 |
| Assets per employee ($millions) | 4.7835% | 3,789 |
| Cash dividends to net income (ytd only)* | 83.8926% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7025% | 156 |
| Loan loss allowance to noncurrent loans | 12,593.3333% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0143% | 3,692 |
| Noncurrent loans to loans | 0.0215% | 3,634 |
| Net loans and leases to total assets | 64.6200% | 2,407 |
| Net loans and leases to deposits | 75.1342% | 2,506 |
| Net loans and leases to core deposits | 76.7200% | 2,933 |
| Total domestic deposits to total assets | 86.0100% | 2,094 |
| Equity capital to assets | 12.8832% | 891 |
| Core capital (leverage) ratio | 13.2268% | 979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3478% | 764 |
| Memoranda: | ||
| Average total assets | $100,896,500 | 3,818 |
| Average earning assets | $94,986,500 | 3,790 |
| Average equity | $13,462,000 | 3,461 |
| Average total loans | $69,312,500 | 3,595 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6378% | 140 |
| Cost of funding earning assets | 0.6466% | 4,004 |
| Net interest margin | 6.9911% | 58 |
| Noninterest income to average assets | 0.5800% | 1,611 |
| Noninterest expense to average assets | 2.6137% | 1,967 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 4.4397% | 87 |
| Return on assets (ROA) | 4.4397% | 89 |
| Pretax return on assets | 4.4397% | 101 |
| Return on Equity (ROE) | 35.3700% | 125 |
| Retained earnings to average equity (ytd only) | 15.8288% | 280 |
| Net charge-offs to loans | -0.0820% | 4,464 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 36.9987% | 4,422 |
| Assets per employee ($millions) | 4.8278% | 3,755 |
| Cash dividends to net income (ytd only)* | 55.2424% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7370% | 153 |
| Loan loss allowance to noncurrent loans | 20,900.0000% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.0093% | 3,718 |
| Noncurrent loans to loans | 0.0131% | 3,658 |
| Net loans and leases to total assets | 69.2300% | 1,895 |
| Net loans and leases to deposits | 81.5640% | 1,984 |
| Net loans and leases to core deposits | 83.9392% | 2,453 |
| Total domestic deposits to total assets | 84.8800% | 2,346 |
| Equity capital to assets | 13.8429% | 710 |
| Core capital (leverage) ratio | 13.4863% | 914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9615% | 798 |
| Memoranda: | ||
| Average total assets | $99,894,800 | 3,836 |
| Average earning assets | $92,631,800 | 3,814 |
| Average equity | $12,540,400 | 3,484 |
| Average total loans | $64,669,200 | 3,634 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4381% | 149 |
| Cost of funding earning assets | 0.5912% | 3,986 |
| Net interest margin | 6.8469% | 56 |
| Noninterest income to average assets | 0.5500% | 1,728 |
| Noninterest expense to average assets | 2.5718% | 2,026 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 4.2979% | 100 |
| Return on assets (ROA) | 4.2979% | 100 |
| Pretax return on assets | 4.2979% | 116 |
| Return on Equity (ROE) | 35.1000% | 161 |
| Retained earnings to average equity (ytd only) | 19.4255% | 283 |
| Net charge-offs to loans | -0.0838% | 4,466 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 37.3582% | 4,420 |
| Assets per employee ($millions) | 4.9259% | 3,655 |
| Cash dividends to net income (ytd only)* | 44.6566% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9539% | 124 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 62.2900% | 2,622 |
| Net loans and leases to deposits | 72.9588% | 2,649 |
| Net loans and leases to core deposits | 74.7248% | 2,945 |
| Total domestic deposits to total assets | 85.3800% | 2,389 |
| Equity capital to assets | 13.3764% | 748 |
| Core capital (leverage) ratio | 12.9870% | 1,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3352% | 781 |
| Memoranda: | ||
| Average total assets | $100,729,750 | 3,842 |
| Average earning assets | $93,139,500 | 3,828 |
| Average equity | $12,334,000 | 3,498 |
| Average total loans | $63,655,000 | 3,661 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2639% | 151 |
| Cost of funding earning assets | 0.5280% | 3,927 |
| Net interest margin | 6.7359% | 64 |
| Noninterest income to average assets | 0.5300% | 1,751 |
| Noninterest expense to average assets | 2.5013% | 2,205 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 4.2181% | 93 |
| Return on assets (ROA) | 4.2181% | 94 |
| Pretax return on assets | 4.2181% | 105 |
| Return on Equity (ROE) | 35.5100% | 143 |
| Retained earnings to average equity (ytd only) | 21.4061% | 205 |
| Net charge-offs to loans | -0.0846% | 4,488 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 37.1053% | 4,446 |
| Assets per employee ($millions) | 4.7419% | 3,795 |
| Cash dividends to net income (ytd only)* | 39.7196% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8390% | 149 |
| Loan loss allowance to noncurrent loans | 2,378.2051% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.0783% | 2,991 |
| Noncurrent loans to loans | 0.1194% | 2,878 |
| Net loans and leases to total assets | 63.7500% | 2,410 |
| Net loans and leases to deposits | 73.9976% | 2,491 |
| Net loans and leases to core deposits | 74.5012% | 2,856 |
| Total domestic deposits to total assets | 86.1500% | 2,185 |
| Equity capital to assets | 12.7244% | 880 |
| Core capital (leverage) ratio | 12.3423% | 1,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0491% | 951 |
| Memoranda: | ||
| Average total assets | $101,467,333 | 3,849 |
| Average earning assets | $93,558,000 | 3,838 |
| Average equity | $12,052,667 | 3,530 |
| Average total loans | $63,794,000 | 3,660 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0289% | 115 |
| Cost of funding earning assets | 0.4627% | 3,801 |
| Net interest margin | 6.5662% | 70 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 2.4138% | 2,489 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 4.1988% | 95 |
| Return on assets (ROA) | 4.1988% | 93 |
| Pretax return on assets | 4.1988% | 105 |
| Return on Equity (ROE) | 36.6200% | 139 |
| Retained earnings to average equity (ytd only) | 24.6945% | 187 |
| Net charge-offs to loans | -0.0825% | 4,464 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 36.2676% | 4,534 |
| Assets per employee ($millions) | 5.4572% | 3,262 |
| Cash dividends to net income (ytd only)* | 32.5581% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9331% | 137 |
| Loan loss allowance to noncurrent loans | 3,229.8246% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.0550% | 3,234 |
| Noncurrent loans to loans | 0.0908% | 3,096 |
| Net loans and leases to total assets | 58.7600% | 2,791 |
| Net loans and leases to deposits | 67.3495% | 2,823 |
| Net loans and leases to core deposits | 67.7697% | 3,110 |
| Total domestic deposits to total assets | 87.2400% | 2,177 |
| Equity capital to assets | 11.6755% | 1,097 |
| Core capital (leverage) ratio | 11.3599% | 1,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4451% | 1,080 |
| Memoranda: | ||
| Average total assets | $102,411,000 | 3,887 |
| Average earning assets | $95,093,500 | 3,870 |
| Average equity | $11,743,500 | 3,593 |
| Average total loans | $63,021,500 | 3,712 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0324% | 91 |
| Cost of funding earning assets | 0.1589% | 4,065 |
| Net interest margin | 5.8735% | 61 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 2.5673% | 1,914 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 3.4586% | 91 |
| Return on assets (ROA) | 3.4586% | 87 |
| Pretax return on assets | 3.4586% | 100 |
| Return on Equity (ROE) | 32.9200% | 88 |
| Retained earnings to average equity (ytd only) | 16.4791% | 202 |
| Net charge-offs to loans | -0.0774% | 4,457 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 41.7027% | 4,499 |
| Assets per employee ($millions) | 5.0568% | 3,629 |
| Cash dividends to net income (ytd only)* | 49.9429% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8715% | 136 |
| Loan loss allowance to noncurrent loans | 36,340.0000% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 3,869 |
| Noncurrent loans to loans | 0.0079% | 3,800 |
| Net loans and leases to total assets | 60.7700% | 2,576 |
| Net loans and leases to deposits | 69.3875% | 2,634 |
| Net loans and leases to core deposits | 69.8298% | 2,888 |
| Total domestic deposits to total assets | 87.5800% | 2,206 |
| Equity capital to assets | 11.2533% | 1,163 |
| Core capital (leverage) ratio | 10.5958% | 2,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1406% | 1,924 |
| Memoranda: | ||
| Average total assets | $101,312,800 | 3,914 |
| Average earning assets | $93,760,400 | 3,898 |
| Average equity | $10,643,800 | 3,799 |
| Average total loans | $62,053,800 | 3,692 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8726% | 84 |
| Cost of funding earning assets | 0.1184% | 4,136 |
| Net interest margin | 5.7541% | 60 |
| Noninterest income to average assets | 0.7700% | 1,094 |
| Noninterest expense to average assets | 2.5441% | 1,883 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 3.4017% | 94 |
| Return on assets (ROA) | 3.4017% | 90 |
| Pretax return on assets | 3.4017% | 112 |
| Return on Equity (ROE) | 32.9600% | 76 |
| Retained earnings to average equity (ytd only) | 17.6677% | 178 |
| Net charge-offs to loans | -0.0777% | 4,424 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 41.8705% | 4,524 |
| Assets per employee ($millions) | 5.3392% | 3,388 |
| Cash dividends to net income (ytd only)* | 46.4037% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8759% | 147 |
| Loan loss allowance to noncurrent loans | 97.4162% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 1.7034% | 183 |
| Noncurrent loans to loans | 2.9522% | 161 |
| Net loans and leases to total assets | 56.0400% | 2,898 |
| Net loans and leases to deposits | 63.3337% | 2,918 |
| Net loans and leases to core deposits | 63.7113% | 3,143 |
| Total domestic deposits to total assets | 88.4900% | 2,277 |
| Equity capital to assets | 10.3133% | 1,458 |
| Core capital (leverage) ratio | 10.1106% | 2,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5207% | 1,561 |
| Memoranda: | ||
| Average total assets | $101,357,250 | 3,938 |
| Average earning assets | $93,449,250 | 3,929 |
| Average equity | $10,459,500 | 3,868 |
| Average total loans | $61,748,000 | 3,723 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0962% | 64 |
| Cost of funding earning assets | 0.1112% | 4,065 |
| Net interest margin | 5.9851% | 47 |
| Noninterest income to average assets | 0.8900% | 866 |
| Noninterest expense to average assets | 2.5314% | 1,831 |
| Loan and lease loss provision to assets | 0.1326% | 725 |
| Net operating income to assets | 3.7429% | 49 |
| Return on assets (ROA) | 3.7429% | 46 |
| Pretax return on assets | 3.7429% | 62 |
| Return on Equity (ROE) | 36.2628% | 35 |
| Retained earnings to average equity (ytd only) | 14.8516% | 279 |
| Net charge-offs to loans | -0.0680% | 4,342 |
| Credit loss provision to net charge-offs | -314.2857% | 3,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5108% | 4,624 |
| Assets per employee ($millions) | 5.0125% | 3,666 |
| Cash dividends to net income (ytd only)* | 59.0446% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8192% | 174 |
| Loan loss allowance to noncurrent loans | 95.0386% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 1.7233% | 186 |
| Noncurrent loans to loans | 2.9663% | 171 |
| Net loans and leases to total assets | 56.4576% | 2,702 |
| Net loans and leases to deposits | 63.3571% | 2,779 |
| Net loans and leases to core deposits | 63.9076% | 2,977 |
| Total domestic deposits to total assets | 89.1101% | 2,131 |
| Equity capital to assets | 9.8705% | 1,788 |
| Core capital (leverage) ratio | 9.7699% | 2,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6393% | 1,819 |
| Memoranda: | ||
| Average total assets | $99,548,333 | 3,994 |
| Average earning assets | $91,761,667 | 3,994 |
| Average equity | $10,275,000 | 3,951 |
| Average total loans | $61,792,000 | 3,759 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1612% | 34 |
| Cost of funding earning assets | 0.1097% | 4,017 |
| Net interest margin | 7.0515% | 30 |
| Noninterest income to average assets | 1.2287% | 473 |
| Noninterest expense to average assets | 2.5897% | 1,641 |
| Loan and lease loss provision to assets | 0.1365% | 589 |
| Net operating income to assets | 4.8857% | 37 |
| Return on assets (ROA) | 4.8857% | 35 |
| Pretax return on assets | 4.8857% | 45 |
| Return on Equity (ROE) | 46.2344% | 21 |
| Retained earnings to average equity (ytd only) | 46.2344% | 13 |
| Net charge-offs to loans | -0.0515% | 4,267 |
| Credit loss provision to net charge-offs | -412.5000% | 3,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.0217% | 4,715 |
| Assets per employee ($millions) | 5.0394% | 3,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7068% | 225 |
| Loan loss allowance to noncurrent loans | 13,983.3333% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.0119% | 3,947 |
| Noncurrent loans to loans | 0.0194% | 3,855 |
| Net loans and leases to total assets | 59.8440% | 2,086 |
| Net loans and leases to deposits | 67.8093% | 2,177 |
| Net loans and leases to core deposits | 68.4309% | 2,422 |
| Total domestic deposits to total assets | 88.2534% | 2,407 |
| Equity capital to assets | 10.7236% | 1,479 |
| Core capital (leverage) ratio | 10.6162% | 1,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2053% | 1,457 |
| Memoranda: | ||
| Average total assets | $96,691,000 | 4,037 |
| Average earning assets | $87,527,000 | 4,050 |
| Average equity | $10,217,500 | 4,026 |
| Average total loans | $62,111,500 | 3,760 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0663% | 244 |
| Cost of funding earning assets | 0.1424% | 4,038 |
| Net interest margin | 4.9238% | 156 |
| Noninterest income to average assets | 0.6366% | 2,005 |
| Noninterest expense to average assets | 2.6078% | 1,849 |
| Loan and lease loss provision to assets | 0.1435% | 832 |
| Net operating income to assets | 2.3241% | 201 |
| Return on assets (ROA) | 2.3241% | 210 |
| Pretax return on assets | 2.3241% | 334 |
| Return on Equity (ROE) | 22.5682% | 197 |
| Retained earnings to average equity (ytd only) | 5.2806% | 2,683 |
| Net charge-offs to loans | -0.0876% | 4,543 |
| Credit loss provision to net charge-offs | -252.8302% | 3,573 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3818% | 4,172 |
| Assets per employee ($millions) | 4.2089% | 4,319 |
| Cash dividends to net income (ytd only)* | 76.6017% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6306% | 234 |
| Loan loss allowance to noncurrent loans | 3,992.6829% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.3769% | 1,719 |
| Noncurrent loans to loans | 0.0659% | 3,613 |
| Net loans and leases to total assets | 65.4387% | 1,539 |
| Net loans and leases to deposits | 73.8849% | 1,730 |
| Net loans and leases to core deposits | 74.6192% | 2,028 |
| Total domestic deposits to total assets | 88.5685% | 1,756 |
| Equity capital to assets | 10.3969% | 2,269 |
| Core capital (leverage) ratio | 9.7682% | 2,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,682,400 | 4,074 |
| Average earning assets | $83,552,800 | 4,083 |
| Average equity | $9,544,400 | 4,188 |
| Average total loans | $60,498,200 | 3,804 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1078% | 249 |
| Cost of funding earning assets | 0.1459% | 4,147 |
| Net interest margin | 4.9619% | 167 |
| Noninterest income to average assets | 0.6314% | 2,095 |
| Noninterest expense to average assets | 2.6046% | 1,821 |
| Loan and lease loss provision to assets | 0.1435% | 787 |
| Net operating income to assets | 2.3831% | 248 |
| Return on assets (ROA) | 2.3831% | 259 |
| Pretax return on assets | 2.3831% | 399 |
| Return on Equity (ROE) | 23.1976% | 245 |
| Retained earnings to average equity (ytd only) | 10.2478% | 1,246 |
| Net charge-offs to loans | -0.0999% | 4,615 |
| Credit loss provision to net charge-offs | -224.4444% | 3,420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7567% | 4,146 |
| Assets per employee ($millions) | 4.6700% | 3,988 |
| Cash dividends to net income (ytd only)* | 55.8238% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7554% | 203 |
| Loan loss allowance to noncurrent loans | 3,395.7447% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.3620% | 1,990 |
| Noncurrent loans to loans | 0.0811% | 3,681 |
| Net loans and leases to total assets | 57.4345% | 2,568 |
| Net loans and leases to deposits | 64.4684% | 2,804 |
| Net loans and leases to core deposits | 65.0694% | 3,037 |
| Total domestic deposits to total assets | 89.0894% | 1,230 |
| Equity capital to assets | 10.0489% | 2,857 |
| Core capital (leverage) ratio | 9.9838% | 2,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2794% | 1,871 |
| Memoranda: | ||
| Average total assets | $92,704,250 | 4,123 |
| Average earning assets | $84,077,750 | 4,133 |
| Average equity | $9,523,750 | 4,246 |
| Average total loans | $60,065,250 | 3,866 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3720% | 201 |
| Cost of funding earning assets | 0.1561% | 4,155 |
| Net interest margin | 5.2159% | 135 |
| Noninterest income to average assets | 0.6094% | 2,171 |
| Noninterest expense to average assets | 2.6728% | 1,656 |
| Loan and lease loss provision to assets | 0.1474% | 814 |
| Net operating income to assets | 2.4946% | 220 |
| Return on assets (ROA) | 2.4946% | 236 |
| Pretax return on assets | 2.4946% | 360 |
| Return on Equity (ROE) | 24.0935% | 227 |
| Retained earnings to average equity (ytd only) | 12.9391% | 729 |
| Net charge-offs to loans | -0.1053% | 4,641 |
| Credit loss provision to net charge-offs | -212.5000% | 3,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2897% | 4,214 |
| Assets per employee ($millions) | 4.7450% | 3,889 |
| Cash dividends to net income (ytd only)* | 46.2963% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5664% | 258 |
| Loan loss allowance to noncurrent loans | 77,500.0000% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.3267% | 2,291 |
| Noncurrent loans to loans | 0.0033% | 4,246 |
| Net loans and leases to total assets | 62.0091% | 2,177 |
| Net loans and leases to deposits | 69.7054% | 2,445 |
| Net loans and leases to core deposits | 70.3782% | 2,743 |
| Total domestic deposits to total assets | 88.9588% | 1,301 |
| Equity capital to assets | 10.2551% | 2,615 |
| Core capital (leverage) ratio | 11.4587% | 1,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8128% | 1,385 |
| Memoranda: | ||
| Average total assets | $90,915,667 | 4,164 |
| Average earning assets | $82,017,667 | 4,179 |
| Average equity | $9,413,333 | 4,276 |
| Average total loans | $60,779,667 | 3,882 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9993% | 107 |
| Cost of funding earning assets | 0.1648% | 4,199 |
| Net interest margin | 5.8345% | 76 |
| Noninterest income to average assets | 0.6477% | 2,034 |
| Noninterest expense to average assets | 2.7709% | 1,427 |
| Loan and lease loss provision to assets | 0.1529% | 845 |
| Net operating income to assets | 2.9778% | 158 |
| Return on assets (ROA) | 2.9778% | 175 |
| Pretax return on assets | 2.9778% | 237 |
| Return on Equity (ROE) | 28.6147% | 169 |
| Retained earnings to average equity (ytd only) | 11.3248% | 1,315 |
| Net charge-offs to loans | -0.1246% | 4,699 |
| Credit loss provision to net charge-offs | -184.2105% | 2,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9512% | 4,410 |
| Assets per employee ($millions) | 4.6295% | 3,995 |
| Cash dividends to net income (ytd only)* | 60.4230% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3439% | 335 |
| Loan loss allowance to noncurrent loans | 12,533.3333% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.3456% | 2,418 |
| Noncurrent loans to loans | 0.0187% | 4,194 |
| Net loans and leases to total assets | 67.6776% | 1,569 |
| Net loans and leases to deposits | 75.9926% | 1,909 |
| Net loans and leases to core deposits | 76.7437% | 2,289 |
| Total domestic deposits to total assets | 89.0581% | 1,314 |
| Equity capital to assets | 10.1362% | 2,570 |
| Core capital (leverage) ratio | 11.3266% | 1,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7868% | 2,381 |
| Memoranda: | ||
| Average total assets | $88,924,000 | 4,203 |
| Average earning assets | $80,076,000 | 4,219 |
| Average equity | $9,254,000 | 4,302 |
| Average total loans | $60,971,500 | 3,899 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3206% | 253 |
| Cost of funding earning assets | 0.3258% | 4,000 |
| Net interest margin | 4.9949% | 127 |
| Noninterest income to average assets | 0.6630% | 1,977 |
| Noninterest expense to average assets | 2.9668% | 1,512 |
| Loan and lease loss provision to assets | 0.1859% | 2,096 |
| Net operating income to assets | 2.0708% | 231 |
| Return on assets (ROA) | 2.0708% | 247 |
| Pretax return on assets | 2.0708% | 391 |
| Return on Equity (ROE) | 18.3401% | 311 |
| Retained earnings to average equity (ytd only) | 0.7793% | 4,298 |
| Net charge-offs to loans | -0.1648% | 4,873 |
| Credit loss provision to net charge-offs | -164.8352% | 3,777 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7972% | 3,884 |
| Assets per employee ($millions) | 4.2630% | 4,161 |
| Cash dividends to net income (ytd only)* | 95.7510% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5096% | 262 |
| Loan loss allowance to noncurrent loans | 10,357.1429% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.3777% | 2,472 |
| Noncurrent loans to loans | 0.0242% | 4,231 |
| Net loans and leases to total assets | 66.0658% | 2,088 |
| Net loans and leases to deposits | 74.7132% | 2,412 |
| Net loans and leases to core deposits | 76.0395% | 2,725 |
| Total domestic deposits to total assets | 88.4259% | 1,264 |
| Equity capital to assets | 10.7003% | 2,524 |
| Core capital (leverage) ratio | 12.0062% | 1,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7994% | 1,929 |
| Memoranda: | ||
| Average total assets | $80,692,400 | 4,231 |
| Average earning assets | $73,675,400 | 4,240 |
| Average equity | $9,111,200 | 4,301 |
| Average total loans | $55,228,600 | 3,996 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0628% | 545 |
| Cost of funding earning assets | 0.3584% | 4,009 |
| Net interest margin | 4.7045% | 253 |
| Noninterest income to average assets | 0.6855% | 1,840 |
| Noninterest expense to average assets | 3.0454% | 1,345 |
| Loan and lease loss provision to assets | 0.1873% | 2,111 |
| Net operating income to assets | 1.7649% | 497 |
| Return on assets (ROA) | 1.7649% | 552 |
| Pretax return on assets | 1.7649% | 840 |
| Return on Equity (ROE) | 15.4142% | 624 |
| Retained earnings to average equity (ytd only) | 1.1418% | 4,206 |
| Net charge-offs to loans | -0.1417% | 4,882 |
| Credit loss provision to net charge-offs | -194.8276% | 3,640 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9323% | 3,229 |
| Assets per employee ($millions) | 4.2572% | 4,086 |
| Cash dividends to net income (ytd only)* | 92.5926% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3360% | 289 |
| Loan loss allowance to noncurrent loans | 3,136.3636% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.4134% | 2,511 |
| Noncurrent loans to loans | 0.0745% | 4,076 |
| Net loans and leases to total assets | 67.7625% | 2,278 |
| Net loans and leases to deposits | 79.9122% | 2,324 |
| Net loans and leases to core deposits | 81.3912% | 2,710 |
| Total domestic deposits to total assets | 84.7962% | 2,516 |
| Equity capital to assets | 10.7231% | 2,603 |
| Core capital (leverage) ratio | 12.5039% | 1,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8070% | 1,557 |
| Memoranda: | ||
| Average total assets | $79,550,750 | 4,255 |
| Average earning assets | $72,921,750 | 4,255 |
| Average equity | $9,108,250 | 4,310 |
| Average total loans | $54,591,500 | 4,032 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3613% | 438 |
| Cost of funding earning assets | 0.4010% | 4,034 |
| Net interest margin | 4.9603% | 220 |
| Noninterest income to average assets | 0.6925% | 1,766 |
| Noninterest expense to average assets | 3.1691% | 1,214 |
| Loan and lease loss provision to assets | 0.1931% | 2,102 |
| Net operating income to assets | 1.8845% | 411 |
| Return on assets (ROA) | 1.8845% | 457 |
| Pretax return on assets | 1.8845% | 687 |
| Return on Equity (ROE) | 16.0861% | 552 |
| Retained earnings to average equity (ytd only) | 1.8020% | 3,833 |
| Net charge-offs to loans | -0.0904% | 4,824 |
| Credit loss provision to net charge-offs | -312.5000% | 3,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4024% | 3,364 |
| Assets per employee ($millions) | 4.0019% | 4,315 |
| Cash dividends to net income (ytd only)* | 88.7978% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1583% | 357 |
| Loan loss allowance to noncurrent loans | 1,767.5676% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.4546% | 2,503 |
| Noncurrent loans to loans | 0.1221% | 3,963 |
| Net loans and leases to total assets | 70.5577% | 1,944 |
| Net loans and leases to deposits | 83.3172% | 2,064 |
| Net loans and leases to core deposits | 84.8783% | 2,534 |
| Total domestic deposits to total assets | 84.6857% | 2,509 |
| Equity capital to assets | 10.8688% | 2,449 |
| Core capital (leverage) ratio | 12.3383% | 1,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5528% | 1,978 |
| Memoranda: | ||
| Average total assets | $77,686,667 | 4,284 |
| Average earning assets | $71,326,333 | 4,283 |
| Average equity | $9,101,000 | 4,331 |
| Average total loans | $53,097,000 | 4,078 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7953% | 221 |
| Cost of funding earning assets | 0.4648% | 4,093 |
| Net interest margin | 5.3305% | 122 |
| Noninterest income to average assets | 0.8160% | 1,266 |
| Noninterest expense to average assets | 3.3821% | 1,097 |
| Loan and lease loss provision to assets | 0.2040% | 1,493 |
| Net operating income to assets | 2.0937% | 227 |
| Return on assets (ROA) | 2.0937% | 249 |
| Pretax return on assets | 2.0937% | 372 |
| Return on Equity (ROE) | 17.1721% | 315 |
| Retained earnings to average equity (ytd only) | 2.8620% | 3,136 |
| Net charge-offs to loans | -0.1621% | 4,915 |
| Credit loss provision to net charge-offs | -185.0000% | 3,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5463% | 3,807 |
| Assets per employee ($millions) | 3.6526% | 4,329 |
| Cash dividends to net income (ytd only)* | 83.3333% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6037% | 213 |
| Loan loss allowance to noncurrent loans | 5,064.0000% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.4341% | 2,727 |
| Noncurrent loans to loans | 0.0514% | 4,343 |
| Net loans and leases to total assets | 61.7391% | 3,329 |
| Net loans and leases to deposits | 70.8057% | 3,532 |
| Net loans and leases to core deposits | 72.2159% | 3,750 |
| Total domestic deposits to total assets | 87.1951% | 1,471 |
| Equity capital to assets | 11.8858% | 2,151 |
| Core capital (leverage) ratio | 11.7602% | 1,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2768% | 1,104 |
| Memoranda: | ||
| Average total assets | $74,510,500 | 4,333 |
| Average earning assets | $67,986,000 | 4,349 |
| Average equity | $9,084,500 | 4,357 |
| Average total loans | $49,343,500 | 4,169 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2618% | 148 |
| Cost of funding earning assets | 0.5212% | 3,998 |
| Net interest margin | 5.7406% | 82 |
| Noninterest income to average assets | 0.8239% | 1,375 |
| Noninterest expense to average assets | 3.4103% | 1,095 |
| Loan and lease loss provision to assets | 0.2049% | 985 |
| Net operating income to assets | 2.4607% | 141 |
| Return on assets (ROA) | 2.4607% | 151 |
| Pretax return on assets | 2.4607% | 224 |
| Return on Equity (ROE) | 19.8641% | 222 |
| Retained earnings to average equity (ytd only) | 2.7022% | 3,688 |
| Net charge-offs to loans | -0.1874% | 5,052 |
| Credit loss provision to net charge-offs | -164.8352% | 4,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1277% | 4,185 |
| Assets per employee ($millions) | 3.1442% | 4,739 |
| Cash dividends to net income (ytd only)* | 86.3964% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4149% | 243 |
| Loan loss allowance to noncurrent loans | 4,477.7778% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.4702% | 2,526 |
| Noncurrent loans to loans | 0.0539% | 4,332 |
| Net loans and leases to total assets | 67.5577% | 2,746 |
| Net loans and leases to deposits | 78.1243% | 2,990 |
| Net loans and leases to core deposits | 79.1405% | 3,368 |
| Total domestic deposits to total assets | 86.4746% | 1,855 |
| Equity capital to assets | 12.5173% | 1,804 |
| Core capital (leverage) ratio | 12.0482% | 1,746 |
| Tier 1 risk-based capital ratio | 14.8139% | 2,860 |
| Total risk-based capital ratio | 16.0737% | 2,785 |
| Memoranda: | ||
| Average total assets | $73,191,000 | 4,383 |
| Average earning assets | $66,962,000 | 4,391 |
| Average equity | $9,066,600 | 4,368 |
| Average total loans | $48,564,600 | 4,214 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2942% | 152 |
| Cost of funding earning assets | 0.5258% | 4,045 |
| Net interest margin | 5.7683% | 81 |
| Noninterest income to average assets | 0.8191% | 1,363 |
| Noninterest expense to average assets | 3.3964% | 1,100 |
| Loan and lease loss provision to assets | 0.2034% | 867 |
| Net operating income to assets | 2.4992% | 162 |
| Return on assets (ROA) | 2.4992% | 171 |
| Pretax return on assets | 2.4992% | 248 |
| Return on Equity (ROE) | 20.2268% | 237 |
| Retained earnings to average equity (ytd only) | 8.0114% | 1,387 |
| Net charge-offs to loans | -0.2130% | 5,122 |
| Credit loss provision to net charge-offs | -145.4545% | 4,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6879% | 4,193 |
| Assets per employee ($millions) | 3.4300% | 4,570 |
| Cash dividends to net income (ytd only)* | 60.3923% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3329% | 273 |
| Loan loss allowance to noncurrent loans | 1,928.3333% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.5359% | 2,403 |
| Noncurrent loans to loans | 0.1210% | 4,110 |
| Net loans and leases to total assets | 67.2447% | 2,891 |
| Net loans and leases to deposits | 78.2504% | 3,073 |
| Net loans and leases to core deposits | 79.2776% | 3,444 |
| Total domestic deposits to total assets | 85.9352% | 2,023 |
| Equity capital to assets | 12.9833% | 1,640 |
| Core capital (leverage) ratio | 12.4615% | 1,593 |
| Tier 1 risk-based capital ratio | 15.7932% | 2,517 |
| Total risk-based capital ratio | 17.0522% | 2,454 |
| Memoranda: | ||
| Average total assets | $73,409,750 | 4,436 |
| Average earning assets | $67,193,000 | 4,440 |
| Average equity | $9,070,250 | 4,410 |
| Average total loans | $48,189,750 | 4,274 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2103% | 167 |
| Cost of funding earning assets | 0.5175% | 4,046 |
| Net interest margin | 5.6928% | 92 |
| Noninterest income to average assets | 0.8122% | 1,308 |
| Noninterest expense to average assets | 3.3492% | 1,196 |
| Loan and lease loss provision to assets | 0.2031% | 839 |
| Net operating income to assets | 2.4719% | 161 |
| Return on assets (ROA) | 2.4719% | 164 |
| Pretax return on assets | 2.4719% | 252 |
| Return on Equity (ROE) | 20.3424% | 235 |
| Retained earnings to average equity (ytd only) | 8.5336% | 1,187 |
| Net charge-offs to loans | -0.2640% | 5,168 |
| Credit loss provision to net charge-offs | -119.0476% | 3,922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5955% | 4,293 |
| Assets per employee ($millions) | 2.7476% | 5,041 |
| Cash dividends to net income (ytd only)* | 58.0504% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2682% | 308 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4583% | 2,688 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 64.2394% | 3,315 |
| Net loans and leases to deposits | 74.1381% | 3,507 |
| Net loans and leases to core deposits | 75.0748% | 3,811 |
| Total domestic deposits to total assets | 86.6482% | 1,748 |
| Equity capital to assets | 12.3879% | 1,918 |
| Core capital (leverage) ratio | 12.0567% | 1,795 |
| Tier 1 risk-based capital ratio | 15.6762% | 2,555 |
| Total risk-based capital ratio | 16.9345% | 2,487 |
| Memoranda: | ||
| Average total assets | $73,869,330 | 4,462 |
| Average earning assets | $67,629,670 | 4,467 |
| Average equity | $8,976,330 | 4,441 |
| Average total loans | $47,721,670 | 4,308 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1285% | 179 |
| Cost of funding earning assets | 0.5216% | 3,966 |
| Net interest margin | 5.6070% | 100 |
| Noninterest income to average assets | 0.8140% | 1,260 |
| Noninterest expense to average assets | 3.7389% | 704 |
| Loan and lease loss provision to assets | 0.2008% | 794 |
| Net operating income to assets | 2.0078% | 381 |
| Return on assets (ROA) | 2.0078% | 398 |
| Pretax return on assets | 2.0078% | 635 |
| Return on Equity (ROE) | 16.6864% | 504 |
| Retained earnings to average equity (ytd only) | 5.6373% | 2,617 |
| Net charge-offs to loans | -0.1780% | 5,154 |
| Credit loss provision to net charge-offs | -176.1905% | 3,609 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8650% | 3,399 |
| Assets per employee ($millions) | 2.5908% | 5,154 |
| Cash dividends to net income (ytd only)* | 66.2162% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1998% | 357 |
| Loan loss allowance to noncurrent loans | 102,700.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.4712% | 2,732 |
| Noncurrent loans to loans | 0.0021% | 4,804 |
| Net loans and leases to total assets | 60.7722% | 3,630 |
| Net loans and leases to deposits | 69.6801% | 3,786 |
| Net loans and leases to core deposits | 71.1514% | 3,996 |
| Total domestic deposits to total assets | 87.2160% | 1,706 |
| Equity capital to assets | 11.8883% | 2,096 |
| Core capital (leverage) ratio | 11.5981% | 2,055 |
| Tier 1 risk-based capital ratio | 17.3924% | 1,976 |
| Total risk-based capital ratio | 18.6518% | 1,923 |
| Memoranda: | ||
| Average total assets | $73,711,500 | 4,515 |
| Average earning assets | $67,487,500 | 4,521 |
| Average equity | $8,869,500 | 4,488 |
| Average total loans | $47,201,500 | 4,362 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8309% | 227 |
| Cost of funding earning assets | 0.4513% | 3,673 |
| Net interest margin | 5.3796% | 138 |
| Noninterest income to average assets | 0.7488% | 1,646 |
| Noninterest expense to average assets | 3.2186% | 1,506 |
| Loan and lease loss provision to assets | 0.3086% | 522 |
| Net operating income to assets | 2.1839% | 260 |
| Return on assets (ROA) | 2.1839% | 252 |
| Pretax return on assets | 2.1839% | 369 |
| Return on Equity (ROE) | 18.9897% | 313 |
| Retained earnings to average equity (ytd only) | 4.3831% | 3,132 |
| Net charge-offs to loans | -0.3030% | 5,308 |
| Credit loss provision to net charge-offs | -154.6667% | 4,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3577% | 4,361 |
| Assets per employee ($millions) | 2.8916% | 5,047 |
| Cash dividends to net income (ytd only)* | 76.9184% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0287% | 449 |
| Loan loss allowance to noncurrent loans | 96,800.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.5091% | 2,553 |
| Noncurrent loans to loans | 0.0021% | 4,823 |
| Net loans and leases to total assets | 64.6673% | 3,281 |
| Net loans and leases to deposits | 75.6697% | 3,372 |
| Net loans and leases to core deposits | 77.3001% | 3,622 |
| Total domestic deposits to total assets | 85.4600% | 2,451 |
| Equity capital to assets | 12.1829% | 1,769 |
| Core capital (leverage) ratio | 11.3962% | 2,179 |
| Tier 1 risk-based capital ratio | 15.6589% | 2,547 |
| Total risk-based capital ratio | 16.9154% | 2,473 |
| Memoranda: | ||
| Average total assets | $75,187,000 | 4,511 |
| Average earning assets | $69,355,000 | 4,507 |
| Average equity | $8,646,800 | 4,505 |
| Average total loans | $49,509,600 | 4,326 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7096% | 253 |
| Cost of funding earning assets | 0.4333% | 3,643 |
| Net interest margin | 5.2763% | 155 |
| Noninterest income to average assets | 0.7166% | 1,803 |
| Noninterest expense to average assets | 3.1896% | 1,547 |
| Loan and lease loss provision to assets | 0.3161% | 451 |
| Net operating income to assets | 2.0866% | 318 |
| Return on assets (ROA) | 2.0866% | 314 |
| Pretax return on assets | 2.0866% | 499 |
| Return on Equity (ROE) | 18.4037% | 389 |
| Retained earnings to average equity (ytd only) | 5.5459% | 2,931 |
| Net charge-offs to loans | -0.1601% | 5,264 |
| Credit loss provision to net charge-offs | -300.0000% | 4,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0352% | 4,250 |
| Assets per employee ($millions) | 3.2720% | 4,806 |
| Cash dividends to net income (ytd only)* | 69.8654% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7865% | 747 |
| Loan loss allowance to noncurrent loans | 20,650.0000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.5103% | 2,678 |
| Noncurrent loans to loans | 0.0087% | 4,896 |
| Net loans and leases to total assets | 60.3407% | 3,808 |
| Net loans and leases to deposits | 70.1811% | 3,905 |
| Net loans and leases to core deposits | 71.9594% | 4,087 |
| Total domestic deposits to total assets | 85.9785% | 2,205 |
| Equity capital to assets | 11.6748% | 2,127 |
| Core capital (leverage) ratio | 11.2159% | 2,403 |
| Tier 1 risk-based capital ratio | 17.2368% | 2,007 |
| Total risk-based capital ratio | 18.4921% | 1,959 |
| Memoranda: | ||
| Average total assets | $75,911,250 | 4,546 |
| Average earning assets | $70,149,000 | 4,537 |
| Average equity | $8,606,750 | 4,555 |
| Average total loans | $49,958,000 | 4,363 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6720% | 250 |
| Cost of funding earning assets | 0.4112% | 3,644 |
| Net interest margin | 5.2608% | 151 |
| Noninterest income to average assets | 0.6909% | 1,909 |
| Noninterest expense to average assets | 3.1919% | 1,551 |
| Loan and lease loss provision to assets | 0.3153% | 437 |
| Net operating income to assets | 2.0570% | 332 |
| Return on assets (ROA) | 2.0570% | 330 |
| Pretax return on assets | 2.0570% | 534 |
| Return on Equity (ROE) | 18.3222% | 387 |
| Retained earnings to average equity (ytd only) | 5.9904% | 2,569 |
| Net charge-offs to loans | 0.0664% | 1,675 |
| Credit loss provision to net charge-offs | 705.8824% | 552 |
| Earnings coverage of net charge-offs (x) | 53.1176% | 1,084 |
| Efficiency ratio | 57.3654% | 4,318 |
| Assets per employee ($millions) | 2.6313% | 5,296 |
| Cash dividends to net income (ytd only)* | 67.3052% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3648% | 1,878 |
| Loan loss allowance to noncurrent loans | 444.5161% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.7195% | 2,077 |
| Noncurrent loans to loans | 0.3070% | 3,610 |
| Net loans and leases to total assets | 65.2527% | 3,246 |
| Net loans and leases to deposits | 76.1699% | 3,307 |
| Net loans and leases to core deposits | 78.7154% | 3,518 |
| Total domestic deposits to total assets | 85.6673% | 2,424 |
| Equity capital to assets | 11.3802% | 2,286 |
| Core capital (leverage) ratio | 10.8961% | 2,618 |
| Tier 1 risk-based capital ratio | 15.3030% | 2,726 |
| Total risk-based capital ratio | 16.5524% | 2,659 |
| Memoranda: | ||
| Average total assets | $76,129,670 | 4,592 |
| Average earning assets | $70,521,330 | 4,580 |
| Average equity | $8,547,000 | 4,602 |
| Average total loans | $51,198,670 | 4,371 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4837% | 281 |
| Cost of funding earning assets | 0.3780% | 3,752 |
| Net interest margin | 5.1057% | 193 |
| Noninterest income to average assets | 0.6207% | 2,170 |
| Noninterest expense to average assets | 3.2562% | 1,440 |
| Loan and lease loss provision to assets | 0.3156% | 409 |
| Net operating income to assets | 1.8096% | 553 |
| Return on assets (ROA) | 1.8096% | 559 |
| Pretax return on assets | 1.8096% | 895 |
| Return on Equity (ROE) | 16.2293% | 587 |
| Retained earnings to average equity (ytd only) | 4.7650% | 3,274 |
| Net charge-offs to loans | 0.1784% | 820 |
| Credit loss provision to net charge-offs | 260.8696% | 888 |
| Earnings coverage of net charge-offs (x) | 17.5652% | 1,575 |
| Efficiency ratio | 60.5083% | 4,002 |
| Assets per employee ($millions) | 2.7901% | 5,293 |
| Cash dividends to net income (ytd only)* | 70.6395% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1927% | 2,851 |
| Loan loss allowance to noncurrent loans | 142.8899% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 0.5581% | 2,659 |
| Noncurrent loans to loans | 0.8347% | 2,153 |
| Net loans and leases to total assets | 66.0616% | 3,023 |
| Net loans and leases to deposits | 77.2038% | 3,092 |
| Net loans and leases to core deposits | 80.0304% | 3,321 |
| Total domestic deposits to total assets | 85.5678% | 2,720 |
| Equity capital to assets | 10.9173% | 2,662 |
| Core capital (leverage) ratio | 10.7744% | 2,655 |
| Tier 1 risk-based capital ratio | 14.9081% | 2,910 |
| Total risk-based capital ratio | 16.0293% | 2,912 |
| Memoranda: | ||
| Average total assets | $76,040,500 | 4,638 |
| Average earning assets | $70,900,500 | 4,621 |
| Average equity | $8,478,500 | 4,668 |
| Average total loans | $51,557,000 | 4,409 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5582% | 244 |
| Cost of funding earning assets | 0.2942% | 4,197 |
| Net interest margin | 5.2640% | 152 |
| Noninterest income to average assets | 0.7052% | 1,941 |
| Noninterest expense to average assets | 3.0223% | 2,099 |
| Loan and lease loss provision to assets | 0.6705% | 183 |
| Net operating income to assets | 1.8381% | 383 |
| Return on assets (ROA) | 1.8381% | 389 |
| Pretax return on assets | 1.8381% | 717 |
| Return on Equity (ROE) | 16.9357% | 402 |
| Retained earnings to average equity (ytd only) | 1.4439% | 4,424 |
| Net charge-offs to loans | 0.9243% | 206 |
| Credit loss provision to net charge-offs | 110.5932% | 2,354 |
| Earnings coverage of net charge-offs (x) | 4.1377% | 3,512 |
| Efficiency ratio | 54.6447% | 4,894 |
| Assets per employee ($millions) | 2.3857% | 5,496 |
| Cash dividends to net income (ytd only)* | 91.4745% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1517% | 3,047 |
| Loan loss allowance to noncurrent loans | 113.7864% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 0.7099% | 2,197 |
| Noncurrent loans to loans | 1.0122% | 1,757 |
| Net loans and leases to total assets | 68.0057% | 2,816 |
| Net loans and leases to deposits | 82.1532% | 2,703 |
| Net loans and leases to core deposits | 84.7373% | 3,003 |
| Total domestic deposits to total assets | 82.7792% | 3,634 |
| Equity capital to assets | 11.3958% | 2,288 |
| Core capital (leverage) ratio | 10.7267% | 2,615 |
| Tier 1 risk-based capital ratio | 15.2617% | 2,722 |
| Total risk-based capital ratio | 16.3546% | 2,738 |
| Memoranda: | ||
| Average total assets | $77,853,600 | 4,630 |
| Average earning assets | $71,372,000 | 4,642 |
| Average equity | $8,449,600 | 4,711 |
| Average total loans | $51,066,800 | 4,429 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4343% | 278 |
| Cost of funding earning assets | 0.2801% | 4,312 |
| Net interest margin | 5.1542% | 175 |
| Noninterest income to average assets | 0.7036% | 1,984 |
| Noninterest expense to average assets | 2.9870% | 2,142 |
| Loan and lease loss provision to assets | 0.3315% | 453 |
| Net operating income to assets | 2.1160% | 257 |
| Return on assets (ROA) | 2.1160% | 262 |
| Pretax return on assets | 2.1160% | 436 |
| Return on Equity (ROE) | 19.7275% | 234 |
| Retained earnings to average equity (ytd only) | 4.7624% | 3,042 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9642% | 4,852 |
| Assets per employee ($millions) | 3.2412% | 5,022 |
| Cash dividends to net income (ytd only)* | 75.8591% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4199% | 1,809 |
| Loan loss allowance to noncurrent loans | 5,630.7692% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0296% | 5,095 |
| Noncurrent loans to loans | 0.0252% | 5,009 |
| Net loans and leases to total assets | 65.3314% | 3,203 |
| Net loans and leases to deposits | 78.3582% | 3,129 |
| Net loans and leases to core deposits | 81.9730% | 3,287 |
| Total domestic deposits to total assets | 83.3753% | 3,337 |
| Equity capital to assets | 11.0660% | 2,801 |
| Core capital (leverage) ratio | 10.7711% | 2,672 |
| Tier 1 risk-based capital ratio | 15.1191% | 2,873 |
| Total risk-based capital ratio | 16.3702% | 2,796 |
| Memoranda: | ||
| Average total assets | $78,827,750 | 4,659 |
| Average earning assets | $72,352,750 | 4,658 |
| Average equity | $8,455,000 | 4,758 |
| Average total loans | $51,113,250 | 4,472 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3863% | 284 |
| Cost of funding earning assets | 0.2613% | 4,452 |
| Net interest margin | 5.1250% | 182 |
| Noninterest income to average assets | 0.7326% | 1,851 |
| Noninterest expense to average assets | 2.9858% | 2,153 |
| Loan and lease loss provision to assets | 0.3739% | 375 |
| Net operating income to assets | 2.0790% | 265 |
| Return on assets (ROA) | 2.0790% | 272 |
| Pretax return on assets | 2.0790% | 467 |
| Return on Equity (ROE) | 19.5859% | 235 |
| Retained earnings to average equity (ytd only) | 4.5931% | 2,979 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9001% | 4,933 |
| Assets per employee ($millions) | 2.6611% | 5,488 |
| Cash dividends to net income (ytd only)* | 76.5492% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3455% | 2,200 |
| Loan loss allowance to noncurrent loans | 2,442.8571% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.0351% | 5,124 |
| Noncurrent loans to loans | 0.0551% | 4,913 |
| Net loans and leases to total assets | 62.8229% | 3,533 |
| Net loans and leases to deposits | 74.7998% | 3,467 |
| Net loans and leases to core deposits | 77.4687% | 3,640 |
| Total domestic deposits to total assets | 83.9880% | 3,201 |
| Equity capital to assets | 10.6458% | 3,176 |
| Core capital (leverage) ratio | 10.4605% | 2,961 |
| Tier 1 risk-based capital ratio | 15.3526% | 2,781 |
| Total risk-based capital ratio | 16.6025% | 2,715 |
| Memoranda: | ||
| Average total assets | $79,174,330 | 4,679 |
| Average earning assets | $72,703,000 | 4,681 |
| Average equity | $8,404,000 | 4,784 |
| Average total loans | $50,967,000 | 4,500 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4725% | 241 |
| Cost of funding earning assets | 0.2488% | 4,548 |
| Net interest margin | 5.2238% | 152 |
| Noninterest income to average assets | 0.7864% | 1,604 |
| Noninterest expense to average assets | 2.9932% | 2,180 |
| Loan and lease loss provision to assets | 0.4464% | 237 |
| Net operating income to assets | 2.1409% | 248 |
| Return on assets (ROA) | 2.1409% | 256 |
| Pretax return on assets | 2.1409% | 394 |
| Return on Equity (ROE) | 20.1998% | 225 |
| Retained earnings to average equity (ytd only) | 4.8346% | 2,993 |
| Net charge-offs to loans | -0.0157% | 4,611 |
| Credit loss provision to net charge-offs | -4,400.0000% | 4,691 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6364% | 5,166 |
| Assets per employee ($millions) | 2.6741% | 5,556 |
| Cash dividends to net income (ytd only)* | 76.0664% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2136% | 3,055 |
| Loan loss allowance to noncurrent loans | 1,009.6774% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.0773% | 4,964 |
| Noncurrent loans to loans | 0.1202% | 4,708 |
| Net loans and leases to total assets | 63.5147% | 3,330 |
| Net loans and leases to deposits | 76.5811% | 3,127 |
| Net loans and leases to core deposits | 79.3367% | 3,352 |
| Total domestic deposits to total assets | 82.9378% | 3,864 |
| Equity capital to assets | 10.4794% | 3,206 |
| Core capital (leverage) ratio | 10.3562% | 3,051 |
| Tier 1 risk-based capital ratio | 14.7294% | 3,100 |
| Total risk-based capital ratio | 15.8591% | 3,083 |
| Memoranda: | ||
| Average total assets | $78,844,500 | 4,738 |
| Average earning assets | $72,361,500 | 4,733 |
| Average equity | $8,356,500 | 4,833 |
| Average total loans | $51,031,500 | 4,528 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3541% | 323 |
| Cost of funding earning assets | 0.1871% | 5,137 |
| Net interest margin | 5.1670% | 178 |
| Noninterest income to average assets | 0.6786% | 2,268 |
| Noninterest expense to average assets | 2.9727% | 2,428 |
| Loan and lease loss provision to assets | 0.3936% | 398 |
| Net operating income to assets | 2.0768% | 271 |
| Return on assets (ROA) | 2.0768% | 282 |
| Pretax return on assets | 2.0768% | 422 |
| Return on Equity (ROE) | 20.0801% | 207 |
| Retained earnings to average equity (ytd only) | 6.1291% | 1,641 |
| Net charge-offs to loans | 0.1176% | 2,082 |
| Credit loss provision to net charge-offs | 531.0345% | 628 |
| Earnings coverage of net charge-offs (x) | 33.3276% | 1,341 |
| Efficiency ratio | 54.6138% | 5,188 |
| Assets per employee ($millions) | 3.3680% | 4,945 |
| Cash dividends to net income (ytd only)* | 69.4769% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0637% | 3,930 |
| Loan loss allowance to noncurrent loans | 1,534.2857% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.1355% | 4,767 |
| Noncurrent loans to loans | 0.0693% | 4,961 |
| Net loans and leases to total assets | 64.4756% | 3,292 |
| Net loans and leases to deposits | 78.2338% | 3,076 |
| Net loans and leases to core deposits | 81.3678% | 3,274 |
| Total domestic deposits to total assets | 82.4140% | 3,960 |
| Equity capital to assets | 10.7223% | 2,899 |
| Core capital (leverage) ratio | 10.5794% | 2,797 |
| Tier 1 risk-based capital ratio | 15.0783% | 2,934 |
| Total risk-based capital ratio | 16.0828% | 2,975 |
| Memoranda: | ||
| Average total assets | $78,246,200 | 4,761 |
| Average earning assets | $72,150,400 | 4,755 |
| Average equity | $8,092,600 | 4,922 |
| Average total loans | $49,340,000 | 4,590 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2886% | 373 |
| Cost of funding earning assets | 0.1968% | 5,104 |
| Net interest margin | 5.0918% | 211 |
| Noninterest income to average assets | 0.6646% | 2,343 |
| Noninterest expense to average assets | 3.0136% | 2,279 |
| Loan and lease loss provision to assets | 0.3518% | 453 |
| Net operating income to assets | 2.0057% | 340 |
| Return on assets (ROA) | 2.0057% | 352 |
| Pretax return on assets | 2.0057% | 563 |
| Return on Equity (ROE) | 19.5701% | 264 |
| Retained earnings to average equity (ytd only) | 7.8446% | 1,232 |
| Net charge-offs to loans | 0.0353% | 2,925 |
| Credit loss provision to net charge-offs | 1,592.3077% | 294 |
| Earnings coverage of net charge-offs (x) | 106.7103% | 629 |
| Efficiency ratio | 56.1076% | 5,054 |
| Assets per employee ($millions) | 3.2897% | 5,060 |
| Cash dividends to net income (ytd only)* | 59.9152% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9716% | 4,551 |
| Loan loss allowance to noncurrent loans | 1,333.3333% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.1401% | 4,873 |
| Noncurrent loans to loans | 0.0729% | 5,055 |
| Net loans and leases to total assets | 64.6591% | 3,316 |
| Net loans and leases to deposits | 74.1246% | 3,585 |
| Net loans and leases to core deposits | 76.6890% | 3,774 |
| Total domestic deposits to total assets | 87.2302% | 1,786 |
| Equity capital to assets | 10.9472% | 3,064 |
| Core capital (leverage) ratio | 10.3229% | 3,199 |
| Tier 1 risk-based capital ratio | 14.8772% | 3,110 |
| Total risk-based capital ratio | 15.7656% | 3,213 |
| Memoranda: | ||
| Average total assets | $78,441,500 | 4,797 |
| Average earning assets | $72,506,750 | 4,785 |
| Average equity | $8,039,250 | 4,977 |
| Average total loans | $49,054,250 | 4,644 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2337% | 403 |
| Cost of funding earning assets | 0.2015% | 5,121 |
| Net interest margin | 5.0322% | 244 |
| Noninterest income to average assets | 0.6476% | 2,380 |
| Noninterest expense to average assets | 3.0768% | 2,123 |
| Loan and lease loss provision to assets | 0.3175% | 548 |
| Net operating income to assets | 1.9101% | 391 |
| Return on assets (ROA) | 1.9101% | 408 |
| Pretax return on assets | 1.9101% | 680 |
| Return on Equity (ROE) | 19.0500% | 293 |
| Retained earnings to average equity (ytd only) | 7.4391% | 1,414 |
| Net charge-offs to loans | 0.0163% | 3,188 |
| Credit loss provision to net charge-offs | 3,150.0000% | 136 |
| Earnings coverage of net charge-offs (x) | 221.0000% | 296 |
| Efficiency ratio | 58.0048% | 4,900 |
| Assets per employee ($millions) | 3.0360% | 5,384 |
| Cash dividends to net income (ytd only)* | 60.9499% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8308% | 5,190 |
| Loan loss allowance to noncurrent loans | 715.7895% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.1609% | 4,863 |
| Noncurrent loans to loans | 0.1161% | 4,982 |
| Net loans and leases to total assets | 61.6998% | 3,656 |
| Net loans and leases to deposits | 69.3443% | 4,049 |
| Net loans and leases to core deposits | 71.5373% | 4,220 |
| Total domestic deposits to total assets | 88.9760% | 930 |
| Equity capital to assets | 10.2689% | 3,899 |
| Core capital (leverage) ratio | 9.8663% | 3,727 |
| Tier 1 risk-based capital ratio | 14.6341% | 3,236 |
| Total risk-based capital ratio | 15.3936% | 3,440 |
| Memoranda: | ||
| Average total assets | $79,367,670 | 4,832 |
| Average earning assets | $73,446,670 | 4,810 |
| Average equity | $7,958,000 | 5,032 |
| Average total loans | $48,938,000 | 4,682 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2099% | 406 |
| Cost of funding earning assets | 0.2232% | 4,968 |
| Net interest margin | 4.9867% | 255 |
| Noninterest income to average assets | 0.6534% | 2,248 |
| Noninterest expense to average assets | 3.0610% | 2,211 |
| Loan and lease loss provision to assets | 0.2915% | 549 |
| Net operating income to assets | 1.9049% | 393 |
| Return on assets (ROA) | 1.9049% | 420 |
| Pretax return on assets | 1.9049% | 685 |
| Return on Equity (ROE) | 19.2288% | 275 |
| Retained earnings to average equity (ytd only) | 7.5089% | 1,661 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2218% | 4,966 |
| Assets per employee ($millions) | 2.8998% | 5,598 |
| Cash dividends to net income (ytd only)* | 60.9499% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7026% | 5,591 |
| Loan loss allowance to noncurrent loans | 1,042.4242% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.1342% | 5,038 |
| Noncurrent loans to loans | 0.0674% | 5,207 |
| Net loans and leases to total assets | 59.8744% | 3,790 |
| Net loans and leases to deposits | 66.8946% | 4,165 |
| Net loans and leases to core deposits | 69.3272% | 4,284 |
| Total domestic deposits to total assets | 89.5055% | 831 |
| Equity capital to assets | 9.8011% | 4,339 |
| Core capital (leverage) ratio | 9.6737% | 3,941 |
| Tier 1 risk-based capital ratio | 14.2340% | 3,545 |
| Total risk-based capital ratio | 14.8689% | 3,850 |
| Memoranda: | ||
| Average total assets | $79,583,000 | 4,866 |
| Average earning assets | $73,475,000 | 4,857 |
| Average equity | $7,884,000 | 5,079 |
| Average total loans | $48,851,000 | 4,711 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7534% | 1,005 |
| Cost of funding earning assets | 0.1661% | 5,566 |
| Net interest margin | 4.5873% | 560 |
| Noninterest income to average assets | 0.6391% | 2,520 |
| Noninterest expense to average assets | 3.2350% | 1,874 |
| Loan and lease loss provision to assets | 0.1922% | 1,149 |
| Net operating income to assets | 1.5084% | 852 |
| Return on assets (ROA) | 1.5084% | 884 |
| Pretax return on assets | 1.5084% | 1,528 |
| Return on Equity (ROE) | 15.9106% | 565 |
| Retained earnings to average equity (ytd only) | 5.3250% | 2,191 |
| Net charge-offs to loans | -0.0236% | 5,326 |
| Credit loss provision to net charge-offs | -1,575.0000% | 5,614 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5439% | 3,975 |
| Assets per employee ($millions) | 2.7847% | 5,716 |
| Cash dividends to net income (ytd only)* | 66.5319% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5868% | 5,812 |
| Loan loss allowance to noncurrent loans | 310.8696% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.2155% | 4,740 |
| Noncurrent loans to loans | 0.1887% | 4,729 |
| Net loans and leases to total assets | 62.1475% | 3,542 |
| Net loans and leases to deposits | 70.2041% | 3,898 |
| Net loans and leases to core deposits | 73.1106% | 4,030 |
| Total domestic deposits to total assets | 88.5239% | 1,369 |
| Equity capital to assets | 10.0165% | 3,937 |
| Core capital (leverage) ratio | 9.5864% | 4,061 |
| Tier 1 risk-based capital ratio | 14.2917% | 3,553 |
| Total risk-based capital ratio | 14.8320% | 3,891 |
| Memoranda: | ||
| Average total assets | $65,564,600 | 5,192 |
| Average earning assets | $61,408,800 | 5,150 |
| Average equity | $6,216,000 | 5,393 |
| Average total loans | $33,876,800 | 5,229 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4442% | 1,772 |
| Cost of funding earning assets | 0.1565% | 5,734 |
| Net interest margin | 4.2877% | 983 |
| Noninterest income to average assets | 0.6062% | 2,704 |
| Noninterest expense to average assets | 3.1378% | 2,120 |
| Loan and lease loss provision to assets | 0.1793% | 1,167 |
| Net operating income to assets | 1.3234% | 1,282 |
| Return on assets (ROA) | 1.3234% | 1,341 |
| Pretax return on assets | 1.3234% | 2,307 |
| Return on Equity (ROE) | 14.2097% | 861 |
| Retained earnings to average equity (ytd only) | 7.9299% | 1,265 |
| Net charge-offs to loans | -0.0442% | 5,505 |
| Credit loss provision to net charge-offs | -840.0000% | 5,461 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6173% | 3,613 |
| Assets per employee ($millions) | 3.0426% | 5,500 |
| Cash dividends to net income (ytd only)* | 44.1928% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5237% | 5,994 |
| Loan loss allowance to noncurrent loans | 223.6364% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.2364% | 4,813 |
| Noncurrent loans to loans | 0.2342% | 4,731 |
| Net loans and leases to total assets | 59.0732% | 4,002 |
| Net loans and leases to deposits | 66.1809% | 4,371 |
| Net loans and leases to core deposits | 68.8557% | 4,467 |
| Total domestic deposits to total assets | 89.2601% | 894 |
| Equity capital to assets | 9.8917% | 4,293 |
| Core capital (leverage) ratio | 9.3834% | 4,464 |
| Tier 1 risk-based capital ratio | 14.5303% | 3,548 |
| Total risk-based capital ratio | 15.0018% | 3,933 |
| Memoranda: | ||
| Average total assets | $62,463,000 | 5,330 |
| Average earning assets | $58,771,750 | 5,282 |
| Average equity | $5,817,500 | 5,547 |
| Average total loans | $30,160,250 | 5,414 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8146% | 4,008 |
| Cost of funding earning assets | 0.1410% | 5,913 |
| Net interest margin | 3.6736% | 2,822 |
| Noninterest income to average assets | 0.5482% | 3,050 |
| Noninterest expense to average assets | 2.9166% | 2,833 |
| Loan and lease loss provision to assets | 0.0984% | 2,178 |
| Net operating income to assets | 1.0120% | 2,329 |
| Return on assets (ROA) | 1.0120% | 2,443 |
| Pretax return on assets | 1.0120% | 3,536 |
| Return on Equity (ROE) | 11.1881% | 1,620 |
| Retained earnings to average equity (ytd only) | 5.0890% | 2,805 |
| Net charge-offs to loans | -0.0163% | 5,092 |
| Credit loss provision to net charge-offs | -1,400.0000% | 5,418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4258% | 2,947 |
| Assets per employee ($millions) | 3.1159% | 5,446 |
| Cash dividends to net income (ytd only)* | 54.5139% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3951% | 6,166 |
| Loan loss allowance to noncurrent loans | 88.7805% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 0.2604% | 4,820 |
| Noncurrent loans to loans | 0.4450% | 4,144 |
| Net loans and leases to total assets | 56.6384% | 4,261 |
| Net loans and leases to deposits | 63.1294% | 4,609 |
| Net loans and leases to core deposits | 65.5088% | 4,695 |
| Total domestic deposits to total assets | 89.7178% | 779 |
| Equity capital to assets | 9.3934% | 4,787 |
| Core capital (leverage) ratio | 8.4524% | 5,577 |
| Tier 1 risk-based capital ratio | 13.8771% | 3,990 |
| Total risk-based capital ratio | 14.2200% | 4,448 |
| Memoranda: | ||
| Average total assets | $56,915,000 | 5,517 |
| Average earning assets | $53,898,670 | 5,466 |
| Average equity | $5,148,330 | 5,741 |
| Average total loans | $24,554,670 | 5,681 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7146% | 6,125 |
| Cost of funding earning assets | 0.1019% | 6,200 |
| Net interest margin | 2.6127% | 5,907 |
| Noninterest income to average assets | 0.3923% | 4,065 |
| Noninterest expense to average assets | 2.2200% | 5,093 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6865% | 3,864 |
| Return on assets (ROA) | 0.6865% | 3,993 |
| Pretax return on assets | 0.6865% | 4,629 |
| Return on Equity (ROE) | 7.8622% | 3,028 |
| Retained earnings to average equity (ytd only) | 7.8622% | 1,621 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3804% | 2,453 |
| Assets per employee ($millions) | 5.7168% | 1,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0983% | 4,533 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 29.9296% | 6,075 |
| Net loans and leases to deposits | 32.8061% | 6,138 |
| Net loans and leases to core deposits | 33.3732% | 6,157 |
| Total domestic deposits to total assets | 91.2319% | 286 |
| Equity capital to assets | 8.6500% | 5,611 |
| Core capital (leverage) ratio | 8.4330% | 5,594 |
| Tier 1 risk-based capital ratio | 17.6391% | 2,258 |
| Total risk-based capital ratio | 18.3475% | 2,401 |
| Memoranda: | ||
| Average total assets | $44,865,500 | 5,847 |
| Average earning assets | $43,174,500 | 5,779 |
| Average equity | $3,917,500 | 6,065 |
| Average total loans | $13,798,500 | 6,126 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7128% | 6,254 |
| Cost of funding earning assets | 0.1047% | 6,310 |
| Net interest margin | 2.6081% | 6,055 |
| Noninterest income to average assets | 0.3886% | 4,273 |
| Noninterest expense to average assets | 2.0519% | 5,670 |
| Loan and lease loss provision to assets | 0.0087% | 4,450 |
| Net operating income to assets | 0.8295% | 3,226 |
| Return on assets (ROA) | 0.8295% | 3,315 |
| Pretax return on assets | 0.8295% | 4,143 |
| Return on Equity (ROE) | 9.6412% | 2,278 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,761 |
| Net charge-offs to loans | 0.0071% | 4,780 |
| Credit loss provision to net charge-offs | 400.0000% | 647 |
| Earnings coverage of net charge-offs (x) | 384.0000% | 140 |
| Efficiency ratio | 70.9970% | 3,376 |
| Assets per employee ($millions) | 5.4996% | 1,772 |
| Cash dividends to net income (ytd only)* | 100.0000% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1049% | 4,516 |
| Loan loss allowance to noncurrent loans | 633.3333% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.0545% | 5,799 |
| Noncurrent loans to loans | 0.1745% | 5,197 |
| Net loans and leases to total assets | 30.9226% | 6,150 |
| Net loans and leases to deposits | 33.9879% | 6,220 |
| Net loans and leases to core deposits | 34.5998% | 6,229 |
| Total domestic deposits to total assets | 90.9812% | 372 |
| Equity capital to assets | 8.8165% | 5,473 |
| Core capital (leverage) ratio | 8.0816% | 5,942 |
| Tier 1 risk-based capital ratio | 18.6191% | 1,954 |
| Total risk-based capital ratio | 19.3824% | 2,058 |
| Memoranda: | ||
| Average total assets | $45,810,600 | 5,885 |
| Average earning assets | $43,939,400 | 5,829 |
| Average equity | $3,941,400 | 6,100 |
| Average total loans | $14,057,000 | 6,189 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6650% | 6,353 |
| Cost of funding earning assets | 0.1053% | 6,393 |
| Net interest margin | 2.5597% | 6,171 |
| Noninterest income to average assets | 0.3948% | 4,287 |
| Noninterest expense to average assets | 1.9828% | 5,798 |
| Loan and lease loss provision to assets | 0.0115% | 4,189 |
| Net operating income to assets | 0.8531% | 3,162 |
| Return on assets (ROA) | 0.8531% | 3,256 |
| Pretax return on assets | 0.8531% | 4,169 |
| Return on Equity (ROE) | 9.9737% | 2,230 |
| Retained earnings to average equity (ytd only) | 5.4248% | 2,806 |
| Net charge-offs to loans | 0.0094% | 4,398 |
| Credit loss provision to net charge-offs | 400.0000% | 693 |
| Earnings coverage of net charge-offs (x) | 300.7444% | 233 |
| Efficiency ratio | 69.6356% | 3,573 |
| Assets per employee ($millions) | 6.0771% | 1,278 |
| Cash dividends to net income (ytd only)* | 45.6089% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1376% | 4,569 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 27.1695% | 6,336 |
| Net loans and leases to deposits | 29.6818% | 6,371 |
| Net loans and leases to core deposits | 30.1617% | 6,386 |
| Total domestic deposits to total assets | 91.5359% | 226 |
| Equity capital to assets | 8.3099% | 5,931 |
| Core capital (leverage) ratio | 8.3888% | 5,769 |
| Tier 1 risk-based capital ratio | 18.7524% | 1,969 |
| Total risk-based capital ratio | 19.4891% | 2,101 |
| Memoranda: | ||
| Average total assets | $46,264,000 | 5,948 |
| Average earning assets | $44,326,500 | 5,892 |
| Average equity | $3,957,000 | 6,165 |
| Average total loans | $14,132,000 | 6,256 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6866% | 6,395 |
| Cost of funding earning assets | 0.1060% | 6,464 |
| Net interest margin | 2.5806% | 6,196 |
| Noninterest income to average assets | 0.4090% | 4,181 |
| Noninterest expense to average assets | 1.9965% | 5,845 |
| Loan and lease loss provision to assets | 0.0176% | 3,908 |
| Net operating income to assets | 0.8575% | 3,029 |
| Return on assets (ROA) | 0.8575% | 3,128 |
| Pretax return on assets | 0.8575% | 4,051 |
| Return on Equity (ROE) | 9.9254% | 2,180 |
| Retained earnings to average equity (ytd only) | 5.3444% | 2,735 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5253% | 3,733 |
| Assets per employee ($millions) | 5.9013% | 1,351 |
| Cash dividends to net income (ytd only)* | 46.1538% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1219% | 4,806 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 28.5639% | 6,345 |
| Net loans and leases to deposits | 31.2297% | 6,406 |
| Net loans and leases to core deposits | 31.7503% | 6,417 |
| Total domestic deposits to total assets | 91.4637% | 272 |
| Equity capital to assets | 8.4389% | 5,850 |
| Core capital (leverage) ratio | 8.2577% | 5,882 |
| Tier 1 risk-based capital ratio | 18.7870% | 1,978 |
| Total risk-based capital ratio | 19.5408% | 2,103 |
| Memoranda: | ||
| Average total assets | $45,479,670 | 6,018 |
| Average earning assets | $43,400,670 | 5,963 |
| Average equity | $3,929,330 | 6,215 |
| Average total loans | $14,389,000 | 6,304 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6901% | 6,472 |
| Cost of funding earning assets | 0.1121% | 6,522 |
| Net interest margin | 2.5781% | 6,263 |
| Noninterest income to average assets | 0.4304% | 3,946 |
| Noninterest expense to average assets | 2.0531% | 5,783 |
| Loan and lease loss provision to assets | 0.0359% | 3,340 |
| Net operating income to assets | 0.8159% | 3,075 |
| Return on assets (ROA) | 0.8159% | 3,148 |
| Pretax return on assets | 0.8159% | 4,048 |
| Return on Equity (ROE) | 9.3285% | 2,321 |
| Retained earnings to average equity (ytd only) | 4.7155% | 3,285 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6790% | 3,709 |
| Assets per employee ($millions) | 5.7160% | 1,525 |
| Cash dividends to net income (ytd only)* | 49.4505% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0789% | 5,211 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 30.6770% | 6,319 |
| Net loans and leases to deposits | 33.5911% | 6,387 |
| Net loans and leases to core deposits | 34.1705% | 6,407 |
| Total domestic deposits to total assets | 91.3248% | 441 |
| Equity capital to assets | 8.5834% | 5,568 |
| Core capital (leverage) ratio | 8.3539% | 5,797 |
| Tier 1 risk-based capital ratio | 19.2197% | 1,902 |
| Total risk-based capital ratio | 20.0031% | 2,003 |
| Memoranda: | ||
| Average total assets | $44,614,500 | 6,098 |
| Average earning assets | $42,823,000 | 6,031 |
| Average equity | $3,902,000 | 6,268 |
| Average total loans | $14,764,500 | 6,357 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7637% | 6,514 |
| Cost of funding earning assets | 0.1162% | 6,639 |
| Net interest margin | 2.6475% | 6,207 |
| Noninterest income to average assets | 0.4470% | 4,105 |
| Noninterest expense to average assets | 2.1529% | 5,725 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8393% | 3,092 |
| Return on assets (ROA) | 0.8393% | 3,171 |
| Pretax return on assets | 0.8393% | 4,000 |
| Return on Equity (ROE) | 9.7149% | 2,227 |
| Retained earnings to average equity (ytd only) | 4.9630% | 2,618 |
| Net charge-offs to loans | 0.0126% | 5,201 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 184.0000% | 249 |
| Efficiency ratio | 71.9512% | 3,483 |
| Assets per employee ($millions) | 5.4376% | 1,714 |
| Cash dividends to net income (ytd only)* | 48.9130% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9708% | 5,699 |
| Loan loss allowance to noncurrent loans | 236.5079% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.1448% | 5,887 |
| Noncurrent loans to loans | 0.4105% | 4,979 |
| Net loans and leases to total assets | 34.9394% | 6,246 |
| Net loans and leases to deposits | 38.4454% | 6,351 |
| Net loans and leases to core deposits | 38.8880% | 6,396 |
| Total domestic deposits to total assets | 90.8807% | 622 |
| Equity capital to assets | 8.9170% | 5,135 |
| Core capital (leverage) ratio | 8.5326% | 5,629 |
| Tier 1 risk-based capital ratio | 18.6229% | 2,044 |
| Total risk-based capital ratio | 19.3712% | 2,172 |
| Memoranda: | ||
| Average total assets | $43,847,200 | 6,180 |
| Average earning assets | $42,153,600 | 6,103 |
| Average equity | $3,788,000 | 6,374 |
| Average total loans | $15,877,600 | 6,378 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7832% | 6,578 |
| Cost of funding earning assets | 0.1168% | 6,731 |
| Net interest margin | 2.6665% | 6,225 |
| Noninterest income to average assets | 0.4431% | 4,204 |
| Noninterest expense to average assets | 2.1365% | 5,753 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8710% | 2,986 |
| Return on assets (ROA) | 0.8710% | 3,096 |
| Pretax return on assets | 0.8710% | 4,007 |
| Return on Equity (ROE) | 10.1629% | 2,118 |
| Retained earnings to average equity (ytd only) | 5.3824% | 2,812 |
| Net charge-offs to loans | -0.0083% | 5,854 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0394% | 3,600 |
| Assets per employee ($millions) | 5.5174% | 1,606 |
| Cash dividends to net income (ytd only)* | 47.0391% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9867% | 5,782 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 34.5567% | 6,338 |
| Net loans and leases to deposits | 37.9409% | 6,452 |
| Net loans and leases to core deposits | 38.7220% | 6,484 |
| Total domestic deposits to total assets | 91.0805% | 498 |
| Equity capital to assets | 8.7066% | 5,510 |
| Core capital (leverage) ratio | 8.3660% | 5,894 |
| Tier 1 risk-based capital ratio | 18.2062% | 2,243 |
| Total risk-based capital ratio | 18.9598% | 2,402 |
| Memoranda: | ||
| Average total assets | $43,933,750 | 6,246 |
| Average earning assets | $42,252,000 | 6,171 |
| Average equity | $3,765,250 | 6,453 |
| Average total loans | $16,010,000 | 6,435 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8088% | 6,604 |
| Cost of funding earning assets | 0.1186% | 6,781 |
| Net interest margin | 2.6902% | 6,195 |
| Noninterest income to average assets | 0.4423% | 4,229 |
| Noninterest expense to average assets | 2.1703% | 5,697 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8572% | 3,010 |
| Return on assets (ROA) | 0.8572% | 3,157 |
| Pretax return on assets | 0.8572% | 4,085 |
| Return on Equity (ROE) | 10.0553% | 2,177 |
| Retained earnings to average equity (ytd only) | 5.2416% | 2,896 |
| Net charge-offs to loans | -0.0123% | 5,820 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6867% | 3,520 |
| Assets per employee ($millions) | 5.4371% | 1,648 |
| Cash dividends to net income (ytd only)* | 47.8723% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9655% | 5,945 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 35.8439% | 6,311 |
| Net loans and leases to deposits | 39.3295% | 6,438 |
| Net loans and leases to core deposits | 39.8828% | 6,480 |
| Total domestic deposits to total assets | 91.1373% | 501 |
| Equity capital to assets | 8.7109% | 5,534 |
| Core capital (leverage) ratio | 8.2482% | 5,960 |
| Tier 1 risk-based capital ratio | 18.5130% | 2,136 |
| Total risk-based capital ratio | 19.2908% | 2,267 |
| Memoranda: | ||
| Average total assets | $43,865,330 | 6,289 |
| Average earning assets | $42,153,330 | 6,218 |
| Average equity | $3,739,330 | 6,507 |
| Average total loans | $16,211,670 | 6,461 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8120% | 6,672 |
| Cost of funding earning assets | 0.1231% | 6,854 |
| Net interest margin | 2.6889% | 6,231 |
| Noninterest income to average assets | 0.4631% | 4,033 |
| Noninterest expense to average assets | 2.2066% | 5,669 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8354% | 2,979 |
| Return on assets (ROA) | 0.8354% | 3,122 |
| Pretax return on assets | 0.8354% | 4,019 |
| Return on Equity (ROE) | 9.9071% | 2,100 |
| Retained earnings to average equity (ytd only) | 5.0612% | 3,199 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5373% | 3,511 |
| Assets per employee ($millions) | 5.6259% | 1,563 |
| Cash dividends to net income (ytd only)* | 48.9130% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9074% | 6,244 |
| Loan loss allowance to noncurrent loans | 2,157.1429% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 6,571 |
| Noncurrent loans to loans | 0.0421% | 6,357 |
| Net loans and leases to total assets | 36.6387% | 6,250 |
| Net loans and leases to deposits | 40.0049% | 6,417 |
| Net loans and leases to core deposits | 41.0516% | 6,434 |
| Total domestic deposits to total assets | 91.5858% | 330 |
| Equity capital to assets | 8.3054% | 6,185 |
| Core capital (leverage) ratio | 7.9240% | 6,202 |
| Tier 1 risk-based capital ratio | 17.2962% | 2,650 |
| Total risk-based capital ratio | 18.0284% | 2,837 |
| Memoranda: | ||
| Average total assets | $44,049,500 | 6,346 |
| Average earning assets | $42,247,500 | 6,271 |
| Average equity | $3,714,500 | 6,584 |
| Average total loans | $16,446,000 | 6,508 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9412% | 6,804 |
| Cost of funding earning assets | 0.1534% | 6,909 |
| Net interest margin | 2.7877% | 6,392 |
| Noninterest income to average assets | 0.4718% | 4,086 |
| Noninterest expense to average assets | 2.0324% | 6,270 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.1183% | 1,875 |
| Return on assets (ROA) | 1.1183% | 2,042 |
| Pretax return on assets | 1.1183% | 3,085 |
| Return on Equity (ROE) | 13.7127% | 1,051 |
| Retained earnings to average equity (ytd only) | 5.9246% | 2,123 |
| Net charge-offs to loans | 0.0132% | 5,733 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 246.5000% | 163 |
| Efficiency ratio | 64.5068% | 4,797 |
| Assets per employee ($millions) | 5.3865% | 1,803 |
| Cash dividends to net income (ytd only)* | 56.7951% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9292% | 6,196 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 37.3619% | 6,345 |
| Net loans and leases to deposits | 40.9502% | 6,507 |
| Net loans and leases to core deposits | 41.5312% | 6,563 |
| Total domestic deposits to total assets | 91.2374% | 417 |
| Equity capital to assets | 8.5654% | 5,993 |
| Core capital (leverage) ratio | 7.9797% | 6,215 |
| Tier 1 risk-based capital ratio | 17.6574% | 2,397 |
| Total risk-based capital ratio | 18.4148% | 2,549 |
| Memoranda: | ||
| Average total assets | $44,085,000 | 6,372 |
| Average earning assets | $42,364,000 | 6,294 |
| Average equity | $3,595,200 | 6,667 |
| Average total loans | $15,160,600 | 6,649 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9613% | 6,916 |
| Cost of funding earning assets | 0.1624% | 7,011 |
| Net interest margin | 2.7989% | 6,501 |
| Noninterest income to average assets | 0.4812% | 4,052 |
| Noninterest expense to average assets | 2.0120% | 6,334 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1639% | 1,853 |
| Return on assets (ROA) | 1.1639% | 2,050 |
| Pretax return on assets | 1.1639% | 3,116 |
| Return on Equity (ROE) | 14.4484% | 1,011 |
| Retained earnings to average equity (ytd only) | 6.4216% | 2,418 |
| Net charge-offs to loans | 0.0179% | 5,424 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 193.2547% | 233 |
| Efficiency ratio | 63.3523% | 4,915 |
| Assets per employee ($millions) | 5.5683% | 1,569 |
| Cash dividends to net income (ytd only)* | 55.5553% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9229% | 6,317 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 36.3916% | 6,528 |
| Net loans and leases to deposits | 39.7182% | 6,683 |
| Net loans and leases to core deposits | 40.1610% | 6,732 |
| Total domestic deposits to total assets | 91.6244% | 264 |
| Equity capital to assets | 8.1938% | 6,489 |
| Core capital (leverage) ratio | 7.5337% | 6,607 |
| Tier 1 risk-based capital ratio | 17.1472% | 2,674 |
| Total risk-based capital ratio | 17.8915% | 2,893 |
| Memoranda: | ||
| Average total assets | $44,333,250 | 6,440 |
| Average earning assets | $42,682,750 | 6,357 |
| Average equity | $3,571,250 | 6,752 |
| Average total loans | $14,888,000 | 6,750 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9829% | 6,977 |
| Cost of funding earning assets | 0.1735% | 7,074 |
| Net interest margin | 2.8094% | 6,560 |
| Noninterest income to average assets | 0.5151% | 3,818 |
| Noninterest expense to average assets | 2.0153% | 6,400 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2064% | 1,690 |
| Return on assets (ROA) | 1.2064% | 1,888 |
| Pretax return on assets | 1.2064% | 2,894 |
| Return on Equity (ROE) | 15.0635% | 929 |
| Retained earnings to average equity (ytd only) | 7.7292% | 1,754 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5526% | 5,159 |
| Assets per employee ($millions) | 5.8266% | 1,349 |
| Cash dividends to net income (ytd only)* | 48.6891% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8963% | 6,467 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 36.2925% | 6,598 |
| Net loans and leases to deposits | 39.3978% | 6,755 |
| Net loans and leases to core deposits | 39.8150% | 6,807 |
| Total domestic deposits to total assets | 92.1181% | 205 |
| Equity capital to assets | 7.7553% | 6,691 |
| Core capital (leverage) ratio | 7.6555% | 6,538 |
| Tier 1 risk-based capital ratio | 16.2116% | 3,057 |
| Total risk-based capital ratio | 16.9318% | 3,307 |
| Memoranda: | ||
| Average total assets | $44,262,330 | 6,480 |
| Average earning assets | $42,642,670 | 6,392 |
| Average equity | $3,545,000 | 6,797 |
| Average total loans | $14,396,670 | 6,829 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0207% | 7,035 |
| Cost of funding earning assets | 0.1924% | 7,120 |
| Net interest margin | 2.8283% | 6,590 |
| Noninterest income to average assets | 0.5384% | 3,637 |
| Noninterest expense to average assets | 2.0702% | 6,337 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1976% | 1,741 |
| Return on assets (ROA) | 1.1976% | 1,924 |
| Pretax return on assets | 1.1976% | 2,922 |
| Return on Equity (ROE) | 14.7009% | 1,039 |
| Retained earnings to average equity (ytd only) | 7.2934% | 2,280 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3523% | 5,041 |
| Assets per employee ($millions) | 5.6809% | 1,536 |
| Cash dividends to net income (ytd only)* | 50.3876% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1006% | 5,905 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 30.2528% | 6,899 |
| Net loans and leases to deposits | 32.8570% | 6,986 |
| Net loans and leases to core deposits | 33.5628% | 7,004 |
| Total domestic deposits to total assets | 92.0743% | 244 |
| Equity capital to assets | 7.7937% | 6,635 |
| Core capital (leverage) ratio | 7.6842% | 6,500 |
| Tier 1 risk-based capital ratio | 16.2929% | 3,019 |
| Total risk-based capital ratio | 17.0324% | 3,264 |
| Memoranda: | ||
| Average total assets | $43,087,000 | 6,557 |
| Average earning assets | $41,580,000 | 6,468 |
| Average equity | $3,510,000 | 6,849 |
| Average total loans | $13,060,000 | 6,934 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2039% | 7,119 |
| Cost of funding earning assets | 0.3029% | 7,103 |
| Net interest margin | 2.9009% | 6,688 |
| Noninterest income to average assets | 0.4820% | 3,983 |
| Noninterest expense to average assets | 2.1483% | 6,385 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.0986% | 1,840 |
| Return on assets (ROA) | 1.0986% | 1,955 |
| Pretax return on assets | 1.0986% | 2,842 |
| Return on Equity (ROE) | 13.1641% | 1,129 |
| Retained earnings to average equity (ytd only) | 3.3423% | 3,847 |
| Net charge-offs to loans | 0.0862% | 5,465 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 44.9000% | 612 |
| Efficiency ratio | 66.1643% | 4,743 |
| Assets per employee ($millions) | 5.0909% | 2,083 |
| Cash dividends to net income (ytd only)* | 74.6102% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2523% | 5,158 |
| Loan loss allowance to noncurrent loans | 382.5000% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.0982% | 6,708 |
| Noncurrent loans to loans | 0.3274% | 6,075 |
| Net loans and leases to total assets | 29.6241% | 7,024 |
| Net loans and leases to deposits | 32.4756% | 7,081 |
| Net loans and leases to core deposits | 32.8290% | 7,100 |
| Total domestic deposits to total assets | 91.2196% | 419 |
| Equity capital to assets | 8.5398% | 6,090 |
| Core capital (leverage) ratio | 7.8984% | 6,361 |
| Tier 1 risk-based capital ratio | 17.9290% | 2,216 |
| Total risk-based capital ratio | 18.7585% | 2,343 |
| Memoranda: | ||
| Average total assets | $40,870,200 | 6,643 |
| Average earning assets | $38,953,000 | 6,569 |
| Average equity | $3,410,800 | 6,906 |
| Average total loans | $11,599,400 | 7,052 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2699% | 7,187 |
| Cost of funding earning assets | 0.3328% | 7,153 |
| Net interest margin | 2.9371% | 6,692 |
| Noninterest income to average assets | 0.4791% | 4,047 |
| Noninterest expense to average assets | 2.1675% | 6,353 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1017% | 1,964 |
| Return on assets (ROA) | 1.1017% | 2,107 |
| Pretax return on assets | 1.1017% | 3,003 |
| Return on Equity (ROE) | 13.2781% | 1,212 |
| Retained earnings to average equity (ytd only) | 2.6712% | 4,755 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3011% | 4,670 |
| Assets per employee ($millions) | 6.1249% | 1,137 |
| Cash dividends to net income (ytd only)* | 79.8806% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4515% | 4,326 |
| Loan loss allowance to noncurrent loans | 407.5000% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.0933% | 6,823 |
| Noncurrent loans to loans | 0.3562% | 6,139 |
| Net loans and leases to total assets | 25.8128% | 7,196 |
| Net loans and leases to deposits | 28.1288% | 7,239 |
| Net loans and leases to core deposits | 28.4177% | 7,248 |
| Total domestic deposits to total assets | 91.7666% | 246 |
| Equity capital to assets | 8.0049% | 6,693 |
| Core capital (leverage) ratio | 7.7772% | 6,585 |
| Tier 1 risk-based capital ratio | 20.0999% | 1,661 |
| Total risk-based capital ratio | 21.1045% | 1,695 |
| Memoranda: | ||
| Average total assets | $40,906,000 | 6,698 |
| Average earning assets | $38,858,500 | 6,635 |
| Average equity | $3,394,000 | 6,969 |
| Average total loans | $11,444,750 | 7,128 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3635% | 7,225 |
| Cost of funding earning assets | 0.3598% | 7,210 |
| Net interest margin | 3.0037% | 6,601 |
| Noninterest income to average assets | 0.4720% | 4,093 |
| Noninterest expense to average assets | 2.2460% | 6,255 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0882% | 1,906 |
| Return on assets (ROA) | 1.0882% | 1,999 |
| Pretax return on assets | 1.0882% | 2,900 |
| Return on Equity (ROE) | 12.9535% | 1,211 |
| Retained earnings to average equity (ytd only) | 2.3068% | 4,823 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3621% | 4,636 |
| Assets per employee ($millions) | 5.2605% | 1,811 |
| Cash dividends to net income (ytd only)* | 82.1918% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5491% | 3,907 |
| Loan loss allowance to noncurrent loans | 1,358.3333% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.0285% | 7,027 |
| Noncurrent loans to loans | 0.1140% | 6,693 |
| Net loans and leases to total assets | 24.6151% | 7,305 |
| Net loans and leases to deposits | 26.8354% | 7,344 |
| Net loans and leases to core deposits | 27.5381% | 7,351 |
| Total domestic deposits to total assets | 91.7261% | 294 |
| Equity capital to assets | 8.0862% | 6,610 |
| Core capital (leverage) ratio | 7.8498% | 6,458 |
| Tier 1 risk-based capital ratio | 18.2712% | 2,083 |
| Total risk-based capital ratio | 19.1927% | 2,145 |
| Memoranda: | ||
| Average total assets | $40,250,000 | 6,780 |
| Average earning assets | $38,352,670 | 6,706 |
| Average equity | $3,381,330 | 7,018 |
| Average total loans | $11,516,330 | 7,195 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4247% | 7,253 |
| Cost of funding earning assets | 0.3853% | 7,251 |
| Net interest margin | 3.0395% | 6,492 |
| Noninterest income to average assets | 0.4983% | 3,904 |
| Noninterest expense to average assets | 2.3390% | 6,081 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0475% | 2,007 |
| Return on assets (ROA) | 1.0475% | 2,061 |
| Pretax return on assets | 1.0475% | 2,955 |
| Return on Equity (ROE) | 12.2237% | 1,398 |
| Retained earnings to average equity (ytd only) | 1.5428% | 5,190 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0691% | 4,460 |
| Assets per employee ($millions) | 5.1983% | 1,896 |
| Cash dividends to net income (ytd only)* | 87.3786% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3536% | 4,884 |
| Loan loss allowance to noncurrent loans | 1,358.3333% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.0289% | 7,099 |
| Noncurrent loans to loans | 0.0997% | 6,792 |
| Net loans and leases to total assets | 28.5649% | 7,281 |
| Net loans and leases to deposits | 31.1433% | 7,340 |
| Net loans and leases to core deposits | 31.8831% | 7,358 |
| Total domestic deposits to total assets | 91.7208% | 362 |
| Equity capital to assets | 8.1205% | 6,374 |
| Core capital (leverage) ratio | 8.0974% | 6,137 |
| Tier 1 risk-based capital ratio | 16.9872% | 2,479 |
| Total risk-based capital ratio | 17.8509% | 2,600 |
| Memoranda: | ||
| Average total assets | $39,333,000 | 6,855 |
| Average earning assets | $37,375,000 | 6,792 |
| Average equity | $3,370,500 | 7,057 |
| Average total loans | $12,013,500 | 7,227 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9808% | 7,151 |
| Cost of funding earning assets | 0.4712% | 7,342 |
| Net interest margin | 3.5096% | 5,213 |
| Noninterest income to average assets | 0.5284% | 3,969 |
| Noninterest expense to average assets | 2.3631% | 6,189 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.4959% | 771 |
| Return on assets (ROA) | 1.4959% | 830 |
| Pretax return on assets | 1.4959% | 1,384 |
| Return on Equity (ROE) | 16.6999% | 506 |
| Retained earnings to average equity (ytd only) | 3.5397% | 3,378 |
| Net charge-offs to loans | 0.0718% | 6,080 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 61.3333% | 386 |
| Efficiency ratio | 61.2360% | 5,855 |
| Assets per employee ($millions) | 4.6350% | 2,647 |
| Cash dividends to net income (ytd only)* | 78.8043% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3600% | 4,693 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 31.8824% | 7,293 |
| Net loans and leases to deposits | 35.1803% | 7,368 |
| Net loans and leases to core deposits | 36.5226% | 7,382 |
| Total domestic deposits to total assets | 90.6257% | 780 |
| Equity capital to assets | 9.0723% | 5,039 |
| Core capital (leverage) ratio | 8.6419% | 5,120 |
| Tier 1 risk-based capital ratio | 17.9201% | 2,025 |
| Total risk-based capital ratio | 18.8349% | 2,107 |
| Memoranda: | ||
| Average total assets | $36,901,400 | 6,975 |
| Average earning assets | $35,017,800 | 6,913 |
| Average equity | $3,305,400 | 7,192 |
| Average total loans | $12,543,400 | 7,276 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0482% | 7,249 |
| Cost of funding earning assets | 0.4798% | 7,472 |
| Net interest margin | 3.5683% | 5,029 |
| Noninterest income to average assets | 0.5463% | 3,820 |
| Noninterest expense to average assets | 2.3695% | 6,115 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.5664% | 793 |
| Return on assets (ROA) | 1.5664% | 869 |
| Pretax return on assets | 1.5664% | 1,427 |
| Return on Equity (ROE) | 17.5437% | 525 |
| Retained earnings to average equity (ytd only) | 3.5654% | 3,940 |
| Net charge-offs to loans | 0.0315% | 6,244 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 144.3300% | 220 |
| Efficiency ratio | 60.2022% | 5,916 |
| Assets per employee ($millions) | 4.6899% | 2,610 |
| Cash dividends to net income (ytd only)* | 79.6768% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4218% | 4,348 |
| Loan loss allowance to noncurrent loans | 16,900.0000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 7,375 |
| Noncurrent loans to loans | 0.0084% | 7,253 |
| Net loans and leases to total assets | 31.2295% | 7,433 |
| Net loans and leases to deposits | 34.3809% | 7,511 |
| Net loans and leases to core deposits | 35.6736% | 7,508 |
| Total domestic deposits to total assets | 90.8340% | 506 |
| Equity capital to assets | 8.8888% | 5,721 |
| Core capital (leverage) ratio | 8.4892% | 5,531 |
| Tier 1 risk-based capital ratio | 17.8073% | 2,075 |
| Total risk-based capital ratio | 18.7584% | 2,142 |
| Memoranda: | ||
| Average total assets | $36,856,750 | 7,063 |
| Average earning assets | $35,011,000 | 6,996 |
| Average equity | $3,290,750 | 7,282 |
| Average total loans | $12,683,000 | 7,367 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1616% | 7,216 |
| Cost of funding earning assets | 0.4828% | 7,563 |
| Net interest margin | 3.6788% | 4,458 |
| Noninterest income to average assets | 0.5568% | 3,649 |
| Noninterest expense to average assets | 2.3911% | 6,087 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.6596% | 639 |
| Return on assets (ROA) | 1.6596% | 686 |
| Pretax return on assets | 1.6596% | 1,147 |
| Return on Equity (ROE) | 18.5592% | 422 |
| Retained earnings to average equity (ytd only) | 3.6020% | 3,804 |
| Net charge-offs to loans | 0.0463% | 5,741 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 101.3333% | 323 |
| Efficiency ratio | 59.0296% | 6,216 |
| Assets per employee ($millions) | 4.6964% | 2,587 |
| Cash dividends to net income (ytd only)* | 80.5921% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3004% | 4,914 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 34.1407% | 7,417 |
| Net loans and leases to deposits | 37.5245% | 7,505 |
| Net loans and leases to core deposits | 38.5798% | 7,523 |
| Total domestic deposits to total assets | 90.9824% | 491 |
| Equity capital to assets | 8.7993% | 5,756 |
| Core capital (leverage) ratio | 8.3625% | 5,645 |
| Tier 1 risk-based capital ratio | 17.0066% | 2,278 |
| Total risk-based capital ratio | 17.9234% | 2,359 |
| Memoranda: | ||
| Average total assets | $36,636,000 | 7,124 |
| Average earning assets | $34,794,000 | 7,052 |
| Average equity | $3,276,000 | 7,332 |
| Average total loans | $12,948,670 | 7,400 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2054% | 7,257 |
| Cost of funding earning assets | 0.4995% | 7,674 |
| Net interest margin | 3.7059% | 4,211 |
| Noninterest income to average assets | 0.6083% | 3,223 |
| Noninterest expense to average assets | 2.4441% | 5,935 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.6921% | 627 |
| Return on assets (ROA) | 1.6921% | 677 |
| Pretax return on assets | 1.6921% | 1,072 |
| Return on Equity (ROE) | 18.7672% | 453 |
| Retained earnings to average equity (ytd only) | 3.4345% | 4,095 |
| Net charge-offs to loans | 0.0928% | 4,489 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 51.0000% | 566 |
| Efficiency ratio | 59.0909% | 6,325 |
| Assets per employee ($millions) | 4.1460% | 3,570 |
| Cash dividends to net income (ytd only)* | 81.6993% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2699% | 5,090 |
| Loan loss allowance to noncurrent loans | 16,900.0000% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 7,502 |
| Noncurrent loans to loans | 0.0075% | 7,403 |
| Net loans and leases to total assets | 35.2120% | 7,456 |
| Net loans and leases to deposits | 38.6817% | 7,558 |
| Net loans and leases to core deposits | 39.7766% | 7,581 |
| Total domestic deposits to total assets | 91.0302% | 528 |
| Equity capital to assets | 8.7769% | 5,597 |
| Core capital (leverage) ratio | 8.5554% | 5,287 |
| Tier 1 risk-based capital ratio | 16.9137% | 2,293 |
| Total risk-based capital ratio | 17.8346% | 2,365 |
| Memoranda: | ||
| Average total assets | $36,168,500 | 7,226 |
| Average earning assets | $34,432,000 | 7,150 |
| Average equity | $3,261,000 | 7,417 |
| Average total loans | $12,925,000 | 7,500 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5058% | 7,378 |
| Cost of funding earning assets | 0.7093% | 7,674 |
| Net interest margin | 3.7965% | 3,722 |
| Noninterest income to average assets | 0.5554% | 3,980 |
| Noninterest expense to average assets | 2.4852% | 6,188 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.6966% | 444 |
| Return on assets (ROA) | 1.6966% | 474 |
| Pretax return on assets | 1.6966% | 785 |
| Return on Equity (ROE) | 19.4561% | 272 |
| Retained earnings to average equity (ytd only) | 8.3110% | 626 |
| Net charge-offs to loans | 0.1540% | 5,725 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 32.1579% | 723 |
| Efficiency ratio | 59.4290% | 6,567 |
| Assets per employee ($millions) | 3.8914% | 4,042 |
| Cash dividends to net income (ytd only)* | 57.2831% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3714% | 4,378 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 35.3196% | 7,550 |
| Net loans and leases to deposits | 39.0837% | 7,647 |
| Net loans and leases to core deposits | 50.7196% | 7,571 |
| Total domestic deposits to total assets | 90.3692% | 799 |
| Equity capital to assets | 9.2711% | 4,739 |
| Core capital (leverage) ratio | 8.6392% | 5,033 |
| Tier 1 risk-based capital ratio | 17.8205% | 1,938 |
| Total risk-based capital ratio | 18.8170% | 1,971 |
| Memoranda: | ||
| Average total assets | $36,013,200 | 7,246 |
| Average earning assets | $34,400,200 | 7,170 |
| Average equity | $3,140,400 | 7,552 |
| Average total loans | $12,339,800 | 7,584 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6079% | 7,409 |
| Cost of funding earning assets | 0.7616% | 7,751 |
| Net interest margin | 3.8463% | 3,451 |
| Noninterest income to average assets | 0.5626% | 3,989 |
| Noninterest expense to average assets | 2.4378% | 6,284 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.8017% | 437 |
| Return on assets (ROA) | 1.8017% | 469 |
| Pretax return on assets | 1.8017% | 798 |
| Return on Equity (ROE) | 20.9818% | 259 |
| Retained earnings to average equity (ytd only) | 10.2767% | 584 |
| Net charge-offs to loans | 0.2061% | 4,757 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 25.7923% | 1,040 |
| Efficiency ratio | 57.5022% | 6,789 |
| Assets per employee ($millions) | 3.9390% | 3,853 |
| Cash dividends to net income (ytd only)* | 51.0209% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4592% | 3,648 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 32.7635% | 7,723 |
| Net loans and leases to deposits | 36.1804% | 7,817 |
| Net loans and leases to core deposits | 47.7139% | 7,738 |
| Total domestic deposits to total assets | 90.5560% | 563 |
| Equity capital to assets | 9.0999% | 5,339 |
| Core capital (leverage) ratio | 8.4680% | 5,546 |
| Tier 1 risk-based capital ratio | 19.9556% | 1,569 |
| Total risk-based capital ratio | 21.0791% | 1,552 |
| Memoranda: | ||
| Average total assets | $36,260,750 | 7,301 |
| Average earning assets | $34,664,500 | 7,220 |
| Average equity | $3,113,750 | 7,630 |
| Average total loans | $12,289,250 | 7,659 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6746% | 7,418 |
| Cost of funding earning assets | 0.8192% | 7,796 |
| Net interest margin | 3.8554% | 3,317 |
| Noninterest income to average assets | 0.5584% | 3,970 |
| Noninterest expense to average assets | 2.4089% | 6,430 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.8341% | 426 |
| Return on assets (ROA) | 1.8341% | 463 |
| Pretax return on assets | 1.8341% | 796 |
| Return on Equity (ROE) | 21.7792% | 250 |
| Retained earnings to average equity (ytd only) | 12.0273% | 437 |
| Net charge-offs to loans | 0.3051% | 3,657 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 17.6316% | 1,466 |
| Efficiency ratio | 56.7742% | 7,017 |
| Assets per employee ($millions) | 4.0738% | 3,545 |
| Cash dividends to net income (ytd only)* | 44.7761% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3591% | 3,938 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 34.0470% | 7,769 |
| Net loans and leases to deposits | 37.4101% | 7,877 |
| Net loans and leases to core deposits | 49.0144% | 7,778 |
| Total domestic deposits to total assets | 91.0103% | 448 |
| Equity capital to assets | 8.6488% | 5,823 |
| Core capital (leverage) ratio | 8.1316% | 6,110 |
| Tier 1 risk-based capital ratio | 17.0029% | 2,301 |
| Total risk-based capital ratio | 17.9778% | 2,335 |
| Memoranda: | ||
| Average total assets | $36,530,670 | 7,361 |
| Average earning assets | $34,912,330 | 7,271 |
| Average equity | $3,076,330 | 7,703 |
| Average total loans | $12,456,670 | 7,727 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6817% | 7,533 |
| Cost of funding earning assets | 0.9295% | 7,774 |
| Net interest margin | 3.7523% | 3,648 |
| Noninterest income to average assets | 0.5595% | 3,846 |
| Noninterest expense to average assets | 2.4353% | 6,073 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.7113% | 632 |
| Return on assets (ROA) | 1.7113% | 695 |
| Pretax return on assets | 1.7113% | 1,153 |
| Return on Equity (ROE) | 20.6009% | 383 |
| Retained earnings to average equity (ytd only) | 11.3569% | 912 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7302% | 6,584 |
| Assets per employee ($millions) | 4.1310% | 3,399 |
| Cash dividends to net income (ytd only)* | 44.8718% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5350% | 2,789 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 32.9541% | 7,834 |
| Net loans and leases to deposits | 36.0342% | 7,942 |
| Net loans and leases to core deposits | 46.7348% | 7,854 |
| Total domestic deposits to total assets | 91.4522% | 286 |
| Equity capital to assets | 8.2627% | 6,441 |
| Core capital (leverage) ratio | 7.9582% | 6,533 |
| Tier 1 risk-based capital ratio | 16.5327% | 2,503 |
| Total risk-based capital ratio | 17.6212% | 2,508 |
| Memoranda: | ||
| Average total assets | $36,464,000 | 7,397 |
| Average earning assets | $34,859,000 | 7,309 |
| Average equity | $3,029,000 | 7,770 |
| Average total loans | $12,357,500 | 7,786 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2768% | 7,623 |
| Cost of funding earning assets | 1.5111% | 7,593 |
| Net interest margin | 3.7657% | 4,156 |
| Noninterest income to average assets | 0.6336% | 3,606 |
| Noninterest expense to average assets | 2.3555% | 6,551 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.8469% | 497 |
| Return on assets (ROA) | 1.8469% | 482 |
| Pretax return on assets | 1.8469% | 856 |
| Return on Equity (ROE) | 22.3691% | 239 |
| Retained earnings to average equity (ytd only) | 6.7107% | 1,260 |
| Net charge-offs to loans | 0.0734% | 5,710 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 72.2222% | 560 |
| Efficiency ratio | 56.0514% | 7,002 |
| Assets per employee ($millions) | 4.4686% | 2,666 |
| Cash dividends to net income (ytd only)* | 70.0000% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5564% | 2,421 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 33.7940% | 7,896 |
| Net loans and leases to deposits | 37.0640% | 7,996 |
| Net loans and leases to core deposits | 49.1978% | 7,902 |
| Total domestic deposits to total assets | 91.1774% | 277 |
| Equity capital to assets | 8.3527% | 6,337 |
| Core capital (leverage) ratio | 7.8075% | 6,789 |
| Tier 1 risk-based capital ratio | 16.4793% | 2,495 |
| Total risk-based capital ratio | 17.5975% | 2,476 |
| Memoranda: | ||
| Average total assets | $35,194,600 | 7,413 |
| Average earning assets | $33,353,600 | 7,356 |
| Average equity | $2,905,800 | 7,865 |
| Average total loans | $12,269,200 | 7,818 |