Home > First State Bank of Fountain > Performance and Condition Ratios
First State Bank of Fountain, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7461% | 4,363 |
| Cost of funding earning assets | 1.4575% | 3,308 |
| Net interest margin | 2.2887% | 4,165 |
| Noninterest income to average assets | 0.2600% | 3,131 |
| Noninterest expense to average assets | 2.5401% | 2,178 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | -0.0929% | 4,225 |
| Return on assets (ROA) | -0.0929% | 4,253 |
| Pretax return on assets | -0.2065% | 4,280 |
| Return on Equity (ROE) | -1.9800% | 4,265 |
| Retained earnings to average equity (ytd only) | -1.9753% | 3,910 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 108.8496% | 186 |
| Assets per employee ($millions) | 7.9120% | 1,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4633% | 1,114 |
| Loan loss allowance to noncurrent loans | 875.0000% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.0506% | 3,321 |
| Noncurrent loans to loans | 0.1672% | 2,899 |
| Net loans and leases to total assets | 29.7900% | 4,200 |
| Net loans and leases to deposits | 31.4072% | 4,243 |
| Net loans and leases to core deposits | 33.7312% | 4,231 |
| Total domestic deposits to total assets | 94.8400% | 46 |
| Equity capital to assets | 4.8938% | 4,380 |
| Core capital (leverage) ratio | 9.1533% | 3,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9747% | 1,073 |
| Memoranda: | ||
| Average total assets | $38,738,000 | 4,294 |
| Average earning assets | $35,129,500 | 4,275 |
| Average equity | $1,822,500 | 4,404 |
| Average total loans | $12,005,500 | 4,291 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5579% | 4,405 |
| Cost of funding earning assets | 1.4729% | 3,403 |
| Net interest margin | 2.0849% | 4,219 |
| Noninterest income to average assets | 0.2600% | 3,313 |
| Noninterest expense to average assets | 2.5098% | 2,280 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | -0.1641% | 4,268 |
| Return on assets (ROA) | -0.1641% | 4,288 |
| Pretax return on assets | -0.3601% | 4,335 |
| Return on Equity (ROE) | -3.4700% | 4,321 |
| Retained earnings to average equity (ytd only) | -3.4707% | 4,229 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 116.7488% | 142 |
| Assets per employee ($millions) | 7.5832% | 1,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4520% | 1,138 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 31.3200% | 4,208 |
| Net loans and leases to deposits | 32.9140% | 4,253 |
| Net loans and leases to core deposits | 35.4453% | 4,246 |
| Total domestic deposits to total assets | 95.1700% | 49 |
| Equity capital to assets | 4.5073% | 4,392 |
| Core capital (leverage) ratio | 8.7348% | 3,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7419% | 1,108 |
| Memoranda: | ||
| Average total assets | $37,772,000 | 4,322 |
| Average earning assets | $34,149,600 | 4,300 |
| Average equity | $1,786,400 | 4,426 |
| Average total loans | $12,231,000 | 4,304 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5188% | 4,440 |
| Cost of funding earning assets | 1.4762% | 3,403 |
| Net interest margin | 2.0425% | 4,257 |
| Noninterest income to average assets | 0.2700% | 3,229 |
| Noninterest expense to average assets | 2.4980% | 2,250 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | -0.1131% | 4,289 |
| Return on assets (ROA) | -0.1131% | 4,308 |
| Pretax return on assets | -0.3816% | 4,377 |
| Return on Equity (ROE) | -2.3600% | 4,332 |
| Retained earnings to average equity (ytd only) | -2.3628% | 4,229 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 118.0301% | 142 |
| Assets per employee ($millions) | 7.5408% | 1,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4431% | 1,201 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 31.7000% | 4,231 |
| Net loans and leases to deposits | 33.7608% | 4,282 |
| Net loans and leases to core deposits | 36.4035% | 4,271 |
| Total domestic deposits to total assets | 93.8900% | 38 |
| Equity capital to assets | 5.7633% | 4,376 |
| Core capital (leverage) ratio | 8.9742% | 3,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7752% | 953 |
| Memoranda: | ||
| Average total assets | $37,736,000 | 4,347 |
| Average earning assets | $34,139,750 | 4,329 |
| Average equity | $1,805,750 | 4,457 |
| Average total loans | $12,275,750 | 4,327 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5045% | 4,455 |
| Cost of funding earning assets | 1.4685% | 3,350 |
| Net interest margin | 2.0360% | 4,271 |
| Noninterest income to average assets | 0.2900% | 3,062 |
| Noninterest expense to average assets | 2.5221% | 2,181 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.0106% | 4,215 |
| Return on assets (ROA) | 0.0106% | 4,246 |
| Pretax return on assets | -0.3921% | 4,402 |
| Return on Equity (ROE) | 0.2400% | 4,224 |
| Retained earnings to average equity (ytd only) | 0.2376% | 3,775 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 118.4080% | 139 |
| Assets per employee ($millions) | 7.5006% | 1,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3988% | 1,383 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 32.8900% | 4,211 |
| Net loans and leases to deposits | 34.5885% | 4,281 |
| Net loans and leases to core deposits | 37.2655% | 4,266 |
| Total domestic deposits to total assets | 95.1000% | 43 |
| Equity capital to assets | 4.5863% | 4,412 |
| Core capital (leverage) ratio | 8.8996% | 3,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0814% | 908 |
| Memoranda: | ||
| Average total assets | $37,746,667 | 4,367 |
| Average earning assets | $34,184,333 | 4,347 |
| Average equity | $1,683,333 | 4,473 |
| Average total loans | $12,325,333 | 4,347 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4259% | 4,489 |
| Cost of funding earning assets | 1.4566% | 3,300 |
| Net interest margin | 1.9693% | 4,322 |
| Noninterest income to average assets | 0.3000% | 2,941 |
| Noninterest expense to average assets | 2.6090% | 1,938 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | -0.2113% | 4,386 |
| Return on assets (ROA) | -0.2113% | 4,372 |
| Pretax return on assets | -0.5281% | 4,432 |
| Return on Equity (ROE) | -4.8000% | 4,413 |
| Retained earnings to average equity (ytd only) | -4.8048% | 4,121 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 125.3807% | 98 |
| Assets per employee ($millions) | 7.4922% | 1,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4415% | 1,247 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 31.9400% | 4,244 |
| Net loans and leases to deposits | 33.5107% | 4,295 |
| Net loans and leases to core deposits | 35.8116% | 4,336 |
| Total domestic deposits to total assets | 95.3100% | 62 |
| Equity capital to assets | 4.3645% | 4,450 |
| Core capital (leverage) ratio | 8.8427% | 3,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3975% | 868 |
| Memoranda: | ||
| Average total assets | $37,868,500 | 4,396 |
| Average earning assets | $34,327,000 | 4,373 |
| Average equity | $1,665,000 | 4,500 |
| Average total loans | $12,232,500 | 4,375 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2260% | 4,480 |
| Cost of funding earning assets | 1.2513% | 2,656 |
| Net interest margin | 1.9748% | 4,419 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 2.3496% | 2,718 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -0.1451% | 4,443 |
| Return on assets (ROA) | -0.1390% | 4,427 |
| Pretax return on assets | -0.2934% | 4,454 |
| Return on Equity (ROE) | -3.5500% | 4,449 |
| Retained earnings to average equity (ytd only) | -6.5003% | 4,422 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 114.5546% | 91 |
| Assets per employee ($millions) | 7.6552% | 1,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4199% | 1,314 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 31.7400% | 4,257 |
| Net loans and leases to deposits | 33.4278% | 4,315 |
| Net loans and leases to core deposits | 35.7237% | 4,344 |
| Total domestic deposits to total assets | 94.9600% | 60 |
| Equity capital to assets | 4.4284% | 4,474 |
| Core capital (leverage) ratio | 8.7979% | 3,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5204% | 991 |
| Memoranda: | ||
| Average total assets | $38,857,000 | 4,400 |
| Average earning assets | $35,244,600 | 4,382 |
| Average equity | $1,523,000 | 4,510 |
| Average total loans | $12,321,600 | 4,383 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1822% | 4,492 |
| Cost of funding earning assets | 1.2126% | 2,395 |
| Net interest margin | 1.9696% | 4,448 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 2.3212% | 2,727 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -0.1243% | 4,483 |
| Return on assets (ROA) | -0.1162% | 4,464 |
| Pretax return on assets | -0.2666% | 4,484 |
| Return on Equity (ROE) | -3.0600% | 4,473 |
| Retained earnings to average equity (ytd only) | -3.0630% | 4,365 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 113.3556% | 95 |
| Assets per employee ($millions) | 7.5534% | 1,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4079% | 1,421 |
| 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 | 32.4500% | 4,278 |
| Net loans and leases to deposits | 33.7771% | 4,333 |
| Net loans and leases to core deposits | 36.0940% | 4,329 |
| Total domestic deposits to total assets | 96.0700% | 75 |
| Equity capital to assets | 3.0979% | 4,485 |
| Core capital (leverage) ratio | 8.9066% | 3,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7074% | 859 |
| Memoranda: | ||
| Average total assets | $39,002,250 | 4,417 |
| Average earning assets | $35,404,000 | 4,401 |
| Average equity | $1,480,000 | 4,534 |
| Average total loans | $12,320,750 | 4,405 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1097% | 4,526 |
| Cost of funding earning assets | 1.0867% | 2,331 |
| Net interest margin | 2.0230% | 4,492 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.2987% | 2,809 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | -0.0678% | 4,500 |
| Return on assets (ROA) | -0.0558% | 4,488 |
| Pretax return on assets | -0.1827% | 4,507 |
| Return on Equity (ROE) | -1.3900% | 4,479 |
| Retained earnings to average equity (ytd only) | -1.3895% | 4,246 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 109.1566% | 102 |
| Assets per employee ($millions) | 7.7376% | 1,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4314% | 1,417 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 31.1500% | 4,300 |
| Net loans and leases to deposits | 33.3315% | 4,342 |
| Net loans and leases to core deposits | 35.8885% | 4,329 |
| Total domestic deposits to total assets | 93.4500% | 189 |
| Equity capital to assets | 3.9625% | 4,508 |
| Core capital (leverage) ratio | 8.9464% | 3,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6901% | 857 |
| Memoranda: | ||
| Average total assets | $39,414,000 | 4,434 |
| Average earning assets | $35,888,000 | 4,420 |
| Average equity | $1,583,333 | 4,563 |
| Average total loans | $12,284,333 | 4,432 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0936% | 4,529 |
| Cost of funding earning assets | 1.0129% | 2,002 |
| Net interest margin | 2.0808% | 4,540 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.1922% | 3,121 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.0704% | 4,445 |
| Return on assets (ROA) | 0.1006% | 4,407 |
| Pretax return on assets | 0.0101% | 4,446 |
| Return on Equity (ROE) | 2.4900% | 4,242 |
| Retained earnings to average equity (ytd only) | 2.4868% | 3,608 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 100.9259% | 161 |
| Assets per employee ($millions) | 7.8570% | 1,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4174% | 1,556 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 31.1600% | 4,346 |
| Net loans and leases to deposits | 33.5351% | 4,387 |
| Net loans and leases to core deposits | 36.0751% | 4,365 |
| Total domestic deposits to total assets | 92.9200% | 317 |
| Equity capital to assets | 4.4852% | 4,494 |
| Core capital (leverage) ratio | 8.7900% | 3,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9543% | 853 |
| Memoranda: | ||
| Average total assets | $39,777,000 | 4,497 |
| Average earning assets | $36,333,000 | 4,483 |
| Average equity | $1,608,500 | 4,630 |
| Average total loans | $12,313,500 | 4,497 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7482% | 4,369 |
| Cost of funding earning assets | 0.3511% | 2,464 |
| Net interest margin | 2.3971% | 4,364 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 2.1436% | 3,181 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.2996% | 4,364 |
| Return on assets (ROA) | 0.2996% | 4,339 |
| Pretax return on assets | 0.3094% | 4,372 |
| Return on Equity (ROE) | 5.6000% | 3,904 |
| Retained earnings to average equity (ytd only) | 5.6031% | 2,783 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 87.3883% | 377 |
| Assets per employee ($millions) | 8.0538% | 1,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4988% | 1,208 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 29.8700% | 4,391 |
| Net loans and leases to deposits | 32.2587% | 4,429 |
| Net loans and leases to core deposits | 34.3521% | 4,410 |
| Total domestic deposits to total assets | 92.5800% | 498 |
| Equity capital to assets | 3.6132% | 4,558 |
| Core capital (leverage) ratio | 8.5370% | 4,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2545% | 943 |
| Memoranda: | ||
| Average total assets | $41,052,200 | 4,517 |
| Average earning assets | $37,879,600 | 4,500 |
| Average equity | $2,195,200 | 4,667 |
| Average total loans | $12,629,000 | 4,514 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6406% | 4,356 |
| Cost of funding earning assets | 0.3074% | 2,084 |
| Net interest margin | 2.3332% | 4,384 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 2.1011% | 3,207 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2941% | 4,387 |
| Return on assets (ROA) | 0.2941% | 4,346 |
| Pretax return on assets | 0.3038% | 4,370 |
| Return on Equity (ROE) | 5.1000% | 3,960 |
| Retained earnings to average equity (ytd only) | 5.0974% | 3,065 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 87.3656% | 406 |
| Assets per employee ($millions) | 8.1964% | 1,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3927% | 1,633 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 31.6200% | 4,388 |
| Net loans and leases to deposits | 32.7032% | 4,448 |
| Net loans and leases to core deposits | 34.6908% | 4,427 |
| Total domestic deposits to total assets | 96.6800% | 93 |
| Equity capital to assets | 3.2063% | 4,577 |
| Core capital (leverage) ratio | 8.7121% | 3,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9712% | 991 |
| Memoranda: | ||
| Average total assets | $41,248,000 | 4,548 |
| Average earning assets | $38,172,500 | 4,530 |
| Average equity | $2,380,250 | 4,691 |
| Average total loans | $12,733,750 | 4,547 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5130% | 4,361 |
| Cost of funding earning assets | 0.2804% | 1,901 |
| Net interest margin | 2.2326% | 4,397 |
| Noninterest income to average assets | 0.2516% | 3,662 |
| Noninterest expense to average assets | 2.0756% | 3,220 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2613% | 4,350 |
| Return on assets (ROA) | 0.2613% | 4,306 |
| Pretax return on assets | 0.2564% | 4,344 |
| Return on Equity (ROE) | 3.9478% | 4,043 |
| Retained earnings to average equity (ytd only) | 3.9478% | 3,100 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0041% | 454 |
| Assets per employee ($millions) | 8.4222% | 1,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4601% | 1,519 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 29.3273% | 4,482 |
| Net loans and leases to deposits | 30.7551% | 4,533 |
| Net loans and leases to core deposits | 32.5952% | 4,516 |
| Total domestic deposits to total assets | 95.3575% | 114 |
| Equity capital to assets | 4.5689% | 4,553 |
| Core capital (leverage) ratio | 8.5870% | 3,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5115% | 918 |
| Memoranda: | ||
| Average total assets | $41,336,667 | 4,593 |
| Average earning assets | $38,519,667 | 4,584 |
| Average equity | $2,735,667 | 4,706 |
| Average total loans | $12,598,333 | 4,612 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4239% | 4,351 |
| Cost of funding earning assets | 0.2716% | 1,914 |
| Net interest margin | 2.1523% | 4,396 |
| Noninterest income to average assets | 0.2735% | 3,498 |
| Noninterest expense to average assets | 2.2369% | 2,729 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1172% | 4,444 |
| Return on assets (ROA) | 0.1172% | 4,412 |
| Pretax return on assets | 0.0488% | 4,488 |
| Return on Equity (ROE) | 1.5279% | 4,340 |
| Retained earnings to average equity (ytd only) | 1.5279% | 3,681 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8632% | 279 |
| Assets per employee ($millions) | 10.3610% | 621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4598% | 1,682 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 29.8065% | 4,452 |
| Net loans and leases to deposits | 31.8878% | 4,498 |
| Net loans and leases to core deposits | 33.8680% | 4,482 |
| Total domestic deposits to total assets | 93.4731% | 176 |
| Equity capital to assets | 6.4569% | 4,441 |
| Core capital (leverage) ratio | 8.6240% | 3,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6554% | 946 |
| Memoranda: | ||
| Average total assets | $40,949,500 | 4,626 |
| Average earning assets | $38,285,500 | 4,611 |
| Average equity | $3,141,500 | 4,709 |
| Average total loans | $12,631,000 | 4,635 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0064% | 3,861 |
| Cost of funding earning assets | 0.2863% | 2,539 |
| Net interest margin | 2.7201% | 3,838 |
| Noninterest income to average assets | 0.2656% | 3,790 |
| Noninterest expense to average assets | 2.1395% | 3,274 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5654% | 3,945 |
| Return on assets (ROA) | 0.5758% | 3,971 |
| Pretax return on assets | 0.6851% | 3,960 |
| Return on Equity (ROE) | 6.4298% | 3,666 |
| Retained earnings to average equity (ytd only) | 6.4298% | 2,168 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0812% | 1,100 |
| Assets per employee ($millions) | 8.0910% | 1,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4380% | 1,772 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 31.0048% | 4,483 |
| Net loans and leases to deposits | 34.0824% | 4,526 |
| Net loans and leases to core deposits | 35.5426% | 4,525 |
| Total domestic deposits to total assets | 90.9702% | 501 |
| Equity capital to assets | 8.9161% | 3,709 |
| Core capital (leverage) ratio | 8.5062% | 3,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3002% | 851 |
| Memoranda: | ||
| Average total assets | $40,289,000 | 4,661 |
| Average earning assets | $37,719,000 | 4,639 |
| Average equity | $3,608,200 | 4,732 |
| Average total loans | $14,152,000 | 4,668 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1730% | 3,652 |
| Cost of funding earning assets | 0.2868% | 2,728 |
| Net interest margin | 2.8862% | 3,583 |
| Noninterest income to average assets | 0.2617% | 3,835 |
| Noninterest expense to average assets | 2.1168% | 3,312 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6887% | 3,794 |
| Return on assets (ROA) | 0.7023% | 3,829 |
| Pretax return on assets | 0.8613% | 3,772 |
| Return on Equity (ROE) | 7.8332% | 3,452 |
| Retained earnings to average equity (ytd only) | 7.8332% | 2,108 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4765% | 1,443 |
| Assets per employee ($millions) | 8.2924% | 1,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3010% | 2,480 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 33.4837% | 4,488 |
| Net loans and leases to deposits | 36.8709% | 4,551 |
| Net loans and leases to core deposits | 38.4113% | 4,561 |
| Total domestic deposits to total assets | 90.8133% | 429 |
| Equity capital to assets | 8.9142% | 3,912 |
| Core capital (leverage) ratio | 8.5201% | 4,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5796% | 1,225 |
| Memoranda: | ||
| Average total assets | $40,247,500 | 4,727 |
| Average earning assets | $37,649,500 | 4,709 |
| Average equity | $3,608,500 | 4,803 |
| Average total loans | $14,508,500 | 4,732 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5143% | 2,850 |
| Cost of funding earning assets | 0.2902% | 2,873 |
| Net interest margin | 3.2241% | 2,683 |
| Noninterest income to average assets | 0.2610% | 3,829 |
| Noninterest expense to average assets | 2.1434% | 3,261 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8938% | 3,239 |
| Return on assets (ROA) | 0.9136% | 3,262 |
| Pretax return on assets | 1.1545% | 3,045 |
| Return on Equity (ROE) | 10.1695% | 2,688 |
| Retained earnings to average equity (ytd only) | 10.1695% | 1,350 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4908% | 2,228 |
| Assets per employee ($millions) | 8.2454% | 1,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2650% | 2,606 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 34.6448% | 4,514 |
| Net loans and leases to deposits | 38.1154% | 4,579 |
| Net loans and leases to core deposits | 39.4395% | 4,591 |
| Total domestic deposits to total assets | 90.8943% | 408 |
| Equity capital to assets | 8.8753% | 3,916 |
| Core capital (leverage) ratio | 8.4150% | 4,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1565% | 1,081 |
| Memoranda: | ||
| Average total assets | $39,842,667 | 4,764 |
| Average earning assets | $37,219,333 | 4,742 |
| Average equity | $3,579,333 | 4,842 |
| Average total loans | $14,656,000 | 4,761 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7928% | 2,124 |
| Cost of funding earning assets | 0.2960% | 3,035 |
| Net interest margin | 3.4968% | 1,833 |
| Noninterest income to average assets | 0.2861% | 3,694 |
| Noninterest expense to average assets | 2.1864% | 3,147 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0626% | 2,597 |
| Return on assets (ROA) | 1.0626% | 2,676 |
| Pretax return on assets | 1.3589% | 2,399 |
| Return on Equity (ROE) | 11.7531% | 2,110 |
| Retained earnings to average equity (ytd only) | 11.7531% | 1,212 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6715% | 2,809 |
| Assets per employee ($millions) | 8.1338% | 1,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2267% | 2,783 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 36.2315% | 4,489 |
| Net loans and leases to deposits | 39.6967% | 4,577 |
| Net loans and leases to core deposits | 41.0869% | 4,590 |
| Total domestic deposits to total assets | 91.2710% | 303 |
| Equity capital to assets | 8.5593% | 4,071 |
| Core capital (leverage) ratio | 8.6903% | 3,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9125% | 1,085 |
| Memoranda: | ||
| Average total assets | $39,150,500 | 4,796 |
| Average earning assets | $36,490,500 | 4,775 |
| Average equity | $3,539,500 | 4,868 |
| Average total loans | $14,751,000 | 4,790 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1362% | 4,523 |
| Cost of funding earning assets | 0.4601% | 3,219 |
| Net interest margin | 2.6761% | 4,410 |
| Noninterest income to average assets | 0.2964% | 3,712 |
| Noninterest expense to average assets | 2.5371% | 2,729 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.2877% | 4,449 |
| Return on assets (ROA) | 0.2877% | 4,514 |
| Pretax return on assets | 0.2441% | 4,613 |
| Return on Equity (ROE) | 2.8496% | 4,416 |
| Retained earnings to average equity (ytd only) | 2.8496% | 3,453 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2226% | 336 |
| Assets per employee ($millions) | 7.5264% | 1,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2548% | 2,649 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 38.2680% | 4,509 |
| Net loans and leases to deposits | 42.3534% | 4,587 |
| Net loans and leases to core deposits | 43.9752% | 4,600 |
| Total domestic deposits to total assets | 90.3540% | 432 |
| Equity capital to assets | 9.5610% | 3,547 |
| Core capital (leverage) ratio | 9.0929% | 3,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5703% | 1,133 |
| Memoranda: | ||
| Average total assets | $34,409,200 | 4,837 |
| Average earning assets | $31,949,600 | 4,824 |
| Average equity | $3,474,200 | 4,884 |
| Average total loans | $14,890,000 | 4,810 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2838% | 4,494 |
| Cost of funding earning assets | 0.5003% | 3,225 |
| Net interest margin | 2.7835% | 4,363 |
| Noninterest income to average assets | 0.2698% | 3,853 |
| Noninterest expense to average assets | 2.6346% | 2,433 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.2698% | 4,491 |
| Return on assets (ROA) | 0.2698% | 4,535 |
| Pretax return on assets | 0.2182% | 4,641 |
| Return on Equity (ROE) | 2.6331% | 4,453 |
| Retained earnings to average equity (ytd only) | 2.6331% | 3,674 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3505% | 296 |
| Assets per employee ($millions) | 6.9296% | 1,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2176% | 2,569 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 42.8510% | 4,468 |
| Net loans and leases to deposits | 47.8472% | 4,558 |
| Net loans and leases to core deposits | 49.4439% | 4,591 |
| Total domestic deposits to total assets | 89.5578% | 570 |
| Equity capital to assets | 10.2748% | 2,986 |
| Core capital (leverage) ratio | 9.5364% | 3,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4020% | 989 |
| Memoranda: | ||
| Average total assets | $33,603,500 | 4,871 |
| Average earning assets | $31,182,500 | 4,859 |
| Average equity | $3,443,250 | 4,912 |
| Average total loans | $14,966,500 | 4,838 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4540% | 4,474 |
| Cost of funding earning assets | 0.5584% | 3,192 |
| Net interest margin | 2.8957% | 4,312 |
| Noninterest income to average assets | 0.2646% | 3,885 |
| Noninterest expense to average assets | 2.7484% | 2,223 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.2586% | 4,494 |
| Return on assets (ROA) | 0.2586% | 4,535 |
| Pretax return on assets | 0.1985% | 4,633 |
| Return on Equity (ROE) | 2.5262% | 4,442 |
| Retained earnings to average equity (ytd only) | 2.5262% | 3,571 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2653% | 315 |
| Assets per employee ($millions) | 6.9896% | 1,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2389% | 2,311 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 41.7420% | 4,536 |
| Net loans and leases to deposits | 46.5001% | 4,638 |
| Net loans and leases to core deposits | 49.2488% | 4,639 |
| Total domestic deposits to total assets | 89.7677% | 472 |
| Equity capital to assets | 10.0864% | 3,122 |
| Core capital (leverage) ratio | 9.6991% | 3,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6036% | 1,110 |
| Memoranda: | ||
| Average total assets | $33,255,333 | 4,900 |
| Average earning assets | $30,804,667 | 4,892 |
| Average equity | $3,404,333 | 4,946 |
| Average total loans | $14,945,333 | 4,868 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2951% | 4,815 |
| Cost of funding earning assets | 0.6162% | 3,354 |
| Net interest margin | 2.6789% | 4,682 |
| Noninterest income to average assets | 0.3332% | 3,533 |
| Noninterest expense to average assets | 2.9992% | 1,889 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.0247% | 4,765 |
| Return on assets (ROA) | -0.0247% | 4,756 |
| Pretax return on assets | -0.1975% | 4,810 |
| Return on Equity (ROE) | -0.2392% | 4,758 |
| Retained earnings to average equity (ytd only) | -0.2392% | 4,029 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.0485% | 162 |
| Assets per employee ($millions) | 5.4545% | 2,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2447% | 2,426 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 44.3640% | 4,491 |
| Net loans and leases to deposits | 49.3541% | 4,618 |
| Net loans and leases to core deposits | 52.0059% | 4,628 |
| Total domestic deposits to total assets | 89.8891% | 357 |
| Equity capital to assets | 9.9490% | 3,839 |
| Core capital (leverage) ratio | 9.9596% | 3,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $32,409,000 | 4,948 |
| Average earning assets | $29,862,500 | 4,938 |
| Average equity | $3,344,000 | 4,997 |
| Average total loans | $15,032,500 | 4,901 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4800% | 4,870 |
| Cost of funding earning assets | 0.6527% | 3,402 |
| Net interest margin | 2.8273% | 4,738 |
| Noninterest income to average assets | 0.3702% | 3,485 |
| Noninterest expense to average assets | 3.1057% | 1,743 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.0214% | 4,962 |
| Return on assets (ROA) | 0.0214% | 4,981 |
| Pretax return on assets | -0.1377% | 5,012 |
| Return on Equity (ROE) | 0.2067% | 4,978 |
| Retained earnings to average equity (ytd only) | 0.2067% | 4,628 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.6392% | 133 |
| Assets per employee ($millions) | 5.3485% | 2,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1912% | 2,483 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 47.3030% | 4,466 |
| Net loans and leases to deposits | 53.0324% | 4,569 |
| Net loans and leases to core deposits | 55.9652% | 4,584 |
| Total domestic deposits to total assets | 89.1963% | 597 |
| Equity capital to assets | 10.6946% | 3,264 |
| Core capital (leverage) ratio | 10.2677% | 3,223 |
| Tier 1 risk-based capital ratio | 17.1802% | 2,000 |
| Total risk-based capital ratio | 18.1491% | 2,030 |
| Memoranda: | ||
| Average total assets | $32,681,400 | 4,998 |
| Average earning assets | $30,028,400 | 4,988 |
| Average equity | $3,386,600 | 5,048 |
| Average total loans | $16,403,600 | 4,938 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4823% | 4,970 |
| Cost of funding earning assets | 0.6540% | 3,434 |
| Net interest margin | 2.8283% | 4,831 |
| Noninterest income to average assets | 0.3899% | 3,379 |
| Noninterest expense to average assets | 3.1354% | 1,624 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.0162% | 5,059 |
| Return on assets (ROA) | 0.0162% | 5,073 |
| Pretax return on assets | -0.1462% | 5,099 |
| Return on Equity (ROE) | 0.1579% | 5,073 |
| Retained earnings to average equity (ytd only) | 0.1579% | 4,736 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.8913% | 120 |
| Assets per employee ($millions) | 5.3925% | 2,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0942% | 3,062 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 51.1266% | 4,364 |
| Net loans and leases to deposits | 62.0480% | 4,288 |
| Net loans and leases to core deposits | 62.0480% | 4,456 |
| Total domestic deposits to total assets | 82.3984% | 3,357 |
| Equity capital to assets | 10.6166% | 3,449 |
| Core capital (leverage) ratio | 10.1479% | 3,479 |
| Tier 1 risk-based capital ratio | 16.4688% | 2,280 |
| Total risk-based capital ratio | 17.3933% | 2,315 |
| Memoranda: | ||
| Average total assets | $32,829,000 | 5,072 |
| Average earning assets | $30,170,500 | 5,058 |
| Average equity | $3,375,250 | 5,126 |
| Average total loans | $16,663,750 | 5,010 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4429% | 5,052 |
| Cost of funding earning assets | 0.6320% | 3,500 |
| Net interest margin | 2.8110% | 4,920 |
| Noninterest income to average assets | 0.4365% | 3,029 |
| Noninterest expense to average assets | 3.2073% | 1,489 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -0.0424% | 5,118 |
| Return on assets (ROA) | -0.0424% | 5,122 |
| Pretax return on assets | -0.1819% | 5,142 |
| Return on Equity (ROE) | -0.4172% | 5,125 |
| Retained earnings to average equity (ytd only) | -0.4172% | 4,756 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.0120% | 116 |
| Assets per employee ($millions) | 5.4380% | 2,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0852% | 3,146 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 51.1217% | 4,405 |
| Net loans and leases to deposits | 61.9867% | 4,333 |
| Net loans and leases to core deposits | 62.6903% | 4,472 |
| Total domestic deposits to total assets | 82.4721% | 3,379 |
| Equity capital to assets | 10.4603% | 3,549 |
| Core capital (leverage) ratio | 9.8855% | 3,719 |
| Tier 1 risk-based capital ratio | 16.2403% | 2,314 |
| Total risk-based capital ratio | 17.1582% | 2,394 |
| Memoranda: | ||
| Average total assets | $32,987,000 | 5,112 |
| Average earning assets | $30,381,000 | 5,095 |
| Average equity | $3,355,330 | 5,166 |
| Average total loans | $16,643,330 | 5,052 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3681% | 5,139 |
| Cost of funding earning assets | 0.5635% | 3,764 |
| Net interest margin | 2.8046% | 4,987 |
| Noninterest income to average assets | 0.3377% | 3,601 |
| Noninterest expense to average assets | 3.2201% | 1,451 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.0965% | 5,177 |
| Return on assets (ROA) | -0.0965% | 5,178 |
| Pretax return on assets | -0.3015% | 5,215 |
| Return on Equity (ROE) | -0.9620% | 5,186 |
| Retained earnings to average equity (ytd only) | -0.9620% | 4,645 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.3306% | 102 |
| Assets per employee ($millions) | 5.4935% | 1,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0946% | 3,165 |
| Loan loss allowance to noncurrent loans | 142.9688% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 0.3883% | 3,025 |
| Noncurrent loans to loans | 0.7656% | 2,113 |
| Net loans and leases to total assets | 50.1684% | 4,454 |
| Net loans and leases to deposits | 59.5699% | 4,436 |
| Net loans and leases to core deposits | 60.2229% | 4,557 |
| Total domestic deposits to total assets | 84.2177% | 2,974 |
| Equity capital to assets | 10.2090% | 3,611 |
| Core capital (leverage) ratio | 9.8620% | 3,750 |
| Tier 1 risk-based capital ratio | 16.0383% | 2,421 |
| Total risk-based capital ratio | 16.9450% | 2,494 |
| Memoranda: | ||
| Average total assets | $33,166,500 | 5,160 |
| Average earning assets | $30,521,500 | 5,142 |
| Average equity | $3,326,500 | 5,221 |
| Average total loans | $16,533,500 | 5,113 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3065% | 5,081 |
| Cost of funding earning assets | 0.4185% | 3,875 |
| Net interest margin | 2.8880% | 4,936 |
| Noninterest income to average assets | 0.3247% | 3,929 |
| Noninterest expense to average assets | 3.0194% | 2,005 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.1033% | 5,179 |
| Return on assets (ROA) | 0.1033% | 5,173 |
| Pretax return on assets | -0.0266% | 5,233 |
| Return on Equity (ROE) | 1.0730% | 5,154 |
| Retained earnings to average equity (ytd only) | 0.3066% | 4,908 |
| Net charge-offs to loans | -0.0060% | 4,384 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.8876% | 133 |
| Assets per employee ($millions) | 5.5620% | 1,903 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1194% | 2,983 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 48.4388% | 4,607 |
| Net loans and leases to deposits | 55.5727% | 4,682 |
| Net loans and leases to core deposits | 55.5727% | 4,795 |
| Total domestic deposits to total assets | 87.1629% | 1,701 |
| Equity capital to assets | 9.8526% | 3,813 |
| Core capital (leverage) ratio | 9.7355% | 3,873 |
| Tier 1 risk-based capital ratio | 16.6345% | 2,192 |
| Total risk-based capital ratio | 17.5648% | 2,246 |
| Memoranda: | ||
| Average total assets | $33,881,200 | 5,192 |
| Average earning assets | $31,302,400 | 5,179 |
| Average equity | $3,261,800 | 5,262 |
| Average total loans | $16,718,200 | 5,155 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2707% | 5,144 |
| Cost of funding earning assets | 0.3898% | 3,935 |
| Net interest margin | 2.8809% | 5,000 |
| Noninterest income to average assets | 0.3254% | 3,966 |
| Noninterest expense to average assets | 3.0070% | 2,000 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.1019% | 5,253 |
| Return on assets (ROA) | 0.1019% | 5,246 |
| Pretax return on assets | -0.0157% | 5,302 |
| Return on Equity (ROE) | 1.0650% | 5,230 |
| Retained earnings to average equity (ytd only) | 0.0409% | 5,028 |
| Net charge-offs to loans | -0.0079% | 4,332 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.5242% | 149 |
| Assets per employee ($millions) | 5.6177% | 1,812 |
| Cash dividends to net income (ytd only)* | 96.1350% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0574% | 3,425 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 50.8040% | 4,540 |
| Net loans and leases to deposits | 61.3500% | 4,474 |
| Net loans and leases to core deposits | 61.3500% | 4,645 |
| Total domestic deposits to total assets | 82.8102% | 3,373 |
| Equity capital to assets | 9.5473% | 4,035 |
| Core capital (leverage) ratio | 9.7408% | 3,908 |
| Tier 1 risk-based capital ratio | 15.9527% | 2,468 |
| Total risk-based capital ratio | 16.8476% | 2,542 |
| Memoranda: | ||
| Average total assets | $34,008,500 | 5,259 |
| Average earning assets | $31,470,250 | 5,245 |
| Average equity | $3,255,250 | 5,331 |
| Average total loans | $16,810,750 | 5,213 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2379% | 5,192 |
| Cost of funding earning assets | 0.3485% | 4,081 |
| Net interest margin | 2.8894% | 5,025 |
| Noninterest income to average assets | 0.3401% | 3,908 |
| Noninterest expense to average assets | 3.0256% | 1,979 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.0997% | 5,292 |
| Return on assets (ROA) | 0.0997% | 5,285 |
| Pretax return on assets | -0.0117% | 5,341 |
| Return on Equity (ROE) | 1.0405% | 5,269 |
| Retained earnings to average equity (ytd only) | -0.4896% | 5,027 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.3891% | 164 |
| Assets per employee ($millions) | 6.7346% | 1,057 |
| Cash dividends to net income (ytd only)* | 147.0588% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0671% | 3,451 |
| Loan loss allowance to noncurrent loans | 1,137.5000% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.0475% | 4,790 |
| Noncurrent loans to loans | 0.0938% | 4,495 |
| Net loans and leases to total assets | 50.1084% | 4,603 |
| Net loans and leases to deposits | 59.4371% | 4,561 |
| Net loans and leases to core deposits | 59.4371% | 4,728 |
| Total domestic deposits to total assets | 84.3049% | 2,957 |
| Equity capital to assets | 9.6279% | 3,986 |
| Core capital (leverage) ratio | 9.7083% | 3,871 |
| Tier 1 risk-based capital ratio | 16.1270% | 2,395 |
| Total risk-based capital ratio | 17.0295% | 2,467 |
| Memoranda: | ||
| Average total assets | $34,109,330 | 5,323 |
| Average earning assets | $31,563,670 | 5,312 |
| Average equity | $3,267,670 | 5,391 |
| Average total loans | $16,645,330 | 5,276 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1842% | 5,249 |
| Cost of funding earning assets | 0.3272% | 4,149 |
| Net interest margin | 2.8570% | 5,087 |
| Noninterest income to average assets | 0.3496% | 3,805 |
| Noninterest expense to average assets | 3.0529% | 1,939 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.0699% | 5,345 |
| Return on assets (ROA) | 0.0699% | 5,342 |
| Pretax return on assets | -0.0583% | 5,406 |
| Return on Equity (ROE) | 0.7316% | 5,329 |
| Retained earnings to average equity (ytd only) | -2.3167% | 5,037 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.9455% | 161 |
| Assets per employee ($millions) | 5.6920% | 1,766 |
| Cash dividends to net income (ytd only)* | 416.6667% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0938% | 3,424 |
| Loan loss allowance to noncurrent loans | 284.3750% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.1874% | 4,147 |
| Noncurrent loans to loans | 0.3846% | 3,401 |
| Net loans and leases to total assets | 48.1904% | 4,685 |
| Net loans and leases to deposits | 55.8144% | 4,704 |
| Net loans and leases to core deposits | 56.7831% | 4,803 |
| Total domestic deposits to total assets | 86.3405% | 2,386 |
| Equity capital to assets | 9.4724% | 4,115 |
| Core capital (leverage) ratio | 9.5118% | 4,055 |
| Tier 1 risk-based capital ratio | 16.2980% | 2,357 |
| Total risk-based capital ratio | 17.2129% | 2,431 |
| Memoranda: | ||
| Average total assets | $34,327,500 | 5,372 |
| Average earning assets | $31,782,000 | 5,358 |
| Average equity | $3,280,500 | 5,445 |
| Average total loans | $16,440,500 | 5,342 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1212% | 5,267 |
| Cost of funding earning assets | 0.2952% | 4,187 |
| Net interest margin | 2.8259% | 5,138 |
| Noninterest income to average assets | 0.3169% | 4,198 |
| Noninterest expense to average assets | 2.8300% | 2,679 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.0177% | 5,345 |
| Return on assets (ROA) | 0.0195% | 5,342 |
| Pretax return on assets | 0.0973% | 5,379 |
| Return on Equity (ROE) | 0.2074% | 5,337 |
| Retained earnings to average equity (ytd only) | -0.5332% | 5,123 |
| Net charge-offs to loans | 0.0059% | 3,871 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 1,414 |
| Efficiency ratio | 96.7681% | 238 |
| Assets per employee ($millions) | 5.7505% | 1,710 |
| Cash dividends to net income (ytd only)* | 357.1429% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1206% | 3,242 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 46.5438% | 4,855 |
| Net loans and leases to deposits | 54.1345% | 4,885 |
| Net loans and leases to core deposits | 55.0664% | 4,965 |
| Total domestic deposits to total assets | 85.9780% | 2,447 |
| Equity capital to assets | 9.6397% | 4,100 |
| Core capital (leverage) ratio | 9.3173% | 4,267 |
| Tier 1 risk-based capital ratio | 16.6317% | 2,219 |
| Total risk-based capital ratio | 17.5625% | 2,265 |
| Memoranda: | ||
| Average total assets | $35,971,600 | 5,397 |
| Average earning assets | $33,192,800 | 5,383 |
| Average equity | $3,375,600 | 5,494 |
| Average total loans | $16,830,200 | 5,397 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1178% | 5,315 |
| Cost of funding earning assets | 0.2907% | 4,224 |
| Net interest margin | 2.8271% | 5,184 |
| Noninterest income to average assets | 0.3155% | 4,280 |
| Noninterest expense to average assets | 2.8032% | 2,716 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.2458% | 5,305 |
| Return on assets (ROA) | 0.2495% | 5,314 |
| Pretax return on assets | 0.1211% | 5,449 |
| Return on Equity (ROE) | 2.6759% | 5,183 |
| Retained earnings to average equity (ytd only) | 1.6921% | 4,749 |
| Net charge-offs to loans | 0.0078% | 3,446 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 32.0827% | 1,490 |
| Efficiency ratio | 95.9799% | 252 |
| Assets per employee ($millions) | 5.9212% | 1,554 |
| Cash dividends to net income (ytd only)* | 36.7637% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0746% | 3,639 |
| Loan loss allowance to noncurrent loans | 520.0000% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.0985% | 4,744 |
| Noncurrent loans to loans | 0.2067% | 4,250 |
| Net loans and leases to total assets | 47.1585% | 4,875 |
| Net loans and leases to deposits | 56.7932% | 4,823 |
| Net loans and leases to core deposits | 57.7744% | 4,923 |
| Total domestic deposits to total assets | 83.0354% | 3,440 |
| Equity capital to assets | 9.7166% | 4,231 |
| Core capital (leverage) ratio | 9.4468% | 4,230 |
| Tier 1 risk-based capital ratio | 16.3106% | 2,373 |
| Total risk-based capital ratio | 17.2066% | 2,463 |
| Memoranda: | ||
| Average total assets | $36,338,750 | 5,451 |
| Average earning assets | $33,484,250 | 5,435 |
| Average equity | $3,388,000 | 5,554 |
| Average total loans | $16,977,500 | 5,448 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1237% | 5,327 |
| Cost of funding earning assets | 0.2910% | 4,177 |
| Net interest margin | 2.8327% | 5,197 |
| Noninterest income to average assets | 0.3223% | 4,249 |
| Noninterest expense to average assets | 2.7752% | 2,844 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2677% | 5,291 |
| Return on assets (ROA) | 0.2732% | 5,299 |
| Pretax return on assets | 0.1584% | 5,461 |
| Return on Equity (ROE) | 2.9703% | 5,131 |
| Retained earnings to average equity (ytd only) | 1.4851% | 4,651 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7761% | 287 |
| Assets per employee ($millions) | 5.9850% | 1,474 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0853% | 3,666 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 46.4439% | 4,927 |
| Net loans and leases to deposits | 55.4086% | 4,881 |
| Net loans and leases to core deposits | 55.9308% | 4,994 |
| Total domestic deposits to total assets | 83.8207% | 3,276 |
| Equity capital to assets | 9.5934% | 4,319 |
| Core capital (leverage) ratio | 9.2660% | 4,407 |
| Tier 1 risk-based capital ratio | 16.4745% | 2,335 |
| Total risk-based capital ratio | 17.3763% | 2,397 |
| Memoranda: | ||
| Average total assets | $36,609,330 | 5,491 |
| Average earning assets | $33,678,330 | 5,479 |
| Average equity | $3,366,670 | 5,600 |
| Average total loans | $16,991,330 | 5,489 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1280% | 5,334 |
| Cost of funding earning assets | 0.2725% | 4,330 |
| Net interest margin | 2.8555% | 5,156 |
| Noninterest income to average assets | 0.3247% | 4,220 |
| Noninterest expense to average assets | 2.8464% | 2,628 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2273% | 5,353 |
| Return on assets (ROA) | 0.2273% | 5,363 |
| Pretax return on assets | 0.0866% | 5,533 |
| Return on Equity (ROE) | 2.5244% | 5,223 |
| Retained earnings to average equity (ytd only) | -0.4808% | 4,996 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0480% | 293 |
| Assets per employee ($millions) | 6.3348% | 1,273 |
| Cash dividends to net income (ytd only)* | 119.0476% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0556% | 3,958 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 45.1288% | 4,979 |
| Net loans and leases to deposits | 52.5698% | 5,009 |
| Net loans and leases to core deposits | 53.0265% | 5,105 |
| Total domestic deposits to total assets | 85.8455% | 2,743 |
| Equity capital to assets | 8.8005% | 4,998 |
| Core capital (leverage) ratio | 9.1173% | 4,591 |
| Tier 1 risk-based capital ratio | 15.8659% | 2,603 |
| Total risk-based capital ratio | 16.7549% | 2,682 |
| Memoranda: | ||
| Average total assets | $36,959,000 | 5,544 |
| Average earning assets | $33,759,500 | 5,541 |
| Average equity | $3,327,500 | 5,664 |
| Average total loans | $17,056,500 | 5,547 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1305% | 5,376 |
| Cost of funding earning assets | 0.2577% | 4,491 |
| Net interest margin | 2.8728% | 5,179 |
| Noninterest income to average assets | 0.3205% | 4,451 |
| Noninterest expense to average assets | 2.8208% | 2,954 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.2763% | 5,272 |
| Return on assets (ROA) | 0.2818% | 5,325 |
| Pretax return on assets | 0.1851% | 5,512 |
| Return on Equity (ROE) | 3.0204% | 5,155 |
| Retained earnings to average equity (ytd only) | 2.2801% | 4,227 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0147% | 378 |
| Assets per employee ($millions) | 5.9848% | 1,495 |
| Cash dividends to net income (ytd only)* | 24.5098% | 3,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0908% | 3,761 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 46.2113% | 5,004 |
| Net loans and leases to deposits | 51.5758% | 5,143 |
| Net loans and leases to core deposits | 52.8640% | 5,182 |
| Total domestic deposits to total assets | 89.5987% | 824 |
| Equity capital to assets | 9.2177% | 4,563 |
| Core capital (leverage) ratio | 8.7041% | 5,071 |
| Tier 1 risk-based capital ratio | 15.8309% | 2,616 |
| Total risk-based capital ratio | 16.7541% | 2,681 |
| Memoranda: | ||
| Average total assets | $36,195,400 | 5,613 |
| Average earning assets | $33,764,600 | 5,592 |
| Average equity | $3,377,000 | 5,714 |
| Average total loans | $16,589,400 | 5,625 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1190% | 5,454 |
| Cost of funding earning assets | 0.2560% | 4,548 |
| Net interest margin | 2.8630% | 5,246 |
| Noninterest income to average assets | 0.3199% | 4,485 |
| Noninterest expense to average assets | 2.8381% | 2,877 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.2610% | 5,370 |
| Return on assets (ROA) | 0.2647% | 5,436 |
| Pretax return on assets | 0.1581% | 5,615 |
| Return on Equity (ROE) | 2.8287% | 5,263 |
| Retained earnings to average equity (ytd only) | 1.8466% | 4,759 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8403% | 356 |
| Assets per employee ($millions) | 6.1038% | 1,352 |
| Cash dividends to net income (ytd only)* | 34.7188% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0875% | 3,901 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 45.4469% | 5,123 |
| Net loans and leases to deposits | 50.3784% | 5,279 |
| Net loans and leases to core deposits | 51.6013% | 5,327 |
| Total domestic deposits to total assets | 90.2111% | 403 |
| Equity capital to assets | 9.4230% | 4,747 |
| Core capital (leverage) ratio | 9.0505% | 4,776 |
| Tier 1 risk-based capital ratio | 16.3329% | 2,479 |
| Total risk-based capital ratio | 17.2445% | 2,567 |
| Memoranda: | ||
| Average total assets | $36,267,000 | 5,668 |
| Average earning assets | $33,856,000 | 5,646 |
| Average equity | $3,393,750 | 5,774 |
| Average total loans | $16,542,500 | 5,685 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1004% | 5,543 |
| Cost of funding earning assets | 0.2657% | 4,492 |
| Net interest margin | 2.8346% | 5,373 |
| Noninterest income to average assets | 0.3209% | 4,487 |
| Noninterest expense to average assets | 2.8328% | 2,906 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2545% | 5,423 |
| Return on assets (ROA) | 0.2600% | 5,483 |
| Pretax return on assets | 0.1494% | 5,668 |
| Return on Equity (ROE) | 2.7855% | 5,303 |
| Retained earnings to average equity (ytd only) | 1.3038% | 4,867 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1673% | 374 |
| Assets per employee ($millions) | 6.1520% | 1,302 |
| Cash dividends to net income (ytd only)* | 53.1915% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0548% | 4,200 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 46.5052% | 5,095 |
| Net loans and leases to deposits | 51.4322% | 5,275 |
| Net loans and leases to core deposits | 52.6678% | 5,339 |
| Total domestic deposits to total assets | 90.4205% | 343 |
| Equity capital to assets | 9.2815% | 4,992 |
| Core capital (leverage) ratio | 8.8281% | 5,023 |
| Tier 1 risk-based capital ratio | 15.7650% | 2,754 |
| Total risk-based capital ratio | 16.6513% | 2,835 |
| Memoranda: | ||
| Average total assets | $36,148,330 | 5,738 |
| Average earning assets | $33,867,000 | 5,712 |
| Average equity | $3,374,670 | 5,844 |
| Average total loans | $16,447,670 | 5,756 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1185% | 5,588 |
| Cost of funding earning assets | 0.2759% | 4,434 |
| Net interest margin | 2.8427% | 5,407 |
| Noninterest income to average assets | 0.3131% | 4,491 |
| Noninterest expense to average assets | 2.9189% | 2,636 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1901% | 5,547 |
| Return on assets (ROA) | 0.2013% | 5,584 |
| Pretax return on assets | 0.0559% | 5,776 |
| Return on Equity (ROE) | 2.1499% | 5,474 |
| Retained earnings to average equity (ytd only) | -0.8361% | 5,257 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4906% | 330 |
| Assets per employee ($millions) | 5.8577% | 1,525 |
| Cash dividends to net income (ytd only)* | 138.8889% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1772% | 3,622 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 43.9481% | 5,240 |
| Net loans and leases to deposits | 48.6933% | 5,396 |
| Net loans and leases to core deposits | 49.9240% | 5,441 |
| Total domestic deposits to total assets | 90.2549% | 506 |
| Equity capital to assets | 9.5516% | 4,618 |
| Core capital (leverage) ratio | 9.0694% | 4,771 |
| Tier 1 risk-based capital ratio | 17.1178% | 2,246 |
| Total risk-based capital ratio | 18.0945% | 2,292 |
| Memoranda: | ||
| Average total assets | $35,766,500 | 5,803 |
| Average earning assets | $33,349,000 | 5,780 |
| Average equity | $3,349,000 | 5,898 |
| Average total loans | $15,997,000 | 5,818 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0881% | 5,649 |
| Cost of funding earning assets | 0.2770% | 4,513 |
| Net interest margin | 2.8111% | 5,489 |
| Noninterest income to average assets | 0.3091% | 4,678 |
| Noninterest expense to average assets | 2.8582% | 3,000 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1915% | 5,596 |
| Return on assets (ROA) | 0.2024% | 5,634 |
| Pretax return on assets | 0.0711% | 5,822 |
| Return on Equity (ROE) | 2.2492% | 5,510 |
| Retained earnings to average equity (ytd only) | 1.5805% | 4,820 |
| Net charge-offs to loans | -0.0062% | 5,013 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9381% | 344 |
| Assets per employee ($millions) | 7.2774% | 791 |
| Cash dividends to net income (ytd only)* | 29.7297% | 3,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1244% | 3,904 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 44.4664% | 5,254 |
| Net loans and leases to deposits | 49.0065% | 5,440 |
| Net loans and leases to core deposits | 49.0065% | 5,534 |
| Total domestic deposits to total assets | 90.7357% | 364 |
| Equity capital to assets | 9.1819% | 4,934 |
| Core capital (leverage) ratio | 8.9067% | 4,996 |
| Tier 1 risk-based capital ratio | 14.0742% | 3,674 |
| Total risk-based capital ratio | 14.8684% | 3,868 |
| Memoranda: | ||
| Average total assets | $36,561,800 | 5,837 |
| Average earning assets | $33,936,400 | 5,814 |
| Average equity | $3,290,000 | 5,957 |
| Average total loans | $16,025,600 | 5,865 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0907% | 5,720 |
| Cost of funding earning assets | 0.2792% | 4,566 |
| Net interest margin | 2.8116% | 5,558 |
| Noninterest income to average assets | 0.3096% | 4,721 |
| Noninterest expense to average assets | 2.8046% | 3,168 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2185% | 5,646 |
| Return on assets (ROA) | 0.2331% | 5,683 |
| Pretax return on assets | 0.1238% | 5,871 |
| Return on Equity (ROE) | 2.6037% | 5,519 |
| Retained earnings to average equity (ytd only) | 1.7087% | 5,016 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2500% | 409 |
| Assets per employee ($millions) | 6.0595% | 1,334 |
| Cash dividends to net income (ytd only)* | 34.3724% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1210% | 4,107 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 44.1566% | 5,351 |
| Net loans and leases to deposits | 48.7327% | 5,525 |
| Net loans and leases to core deposits | 50.3876% | 5,564 |
| Total domestic deposits to total assets | 90.6098% | 358 |
| Equity capital to assets | 9.1317% | 5,182 |
| Core capital (leverage) ratio | 9.2528% | 4,660 |
| Tier 1 risk-based capital ratio | 15.9416% | 2,823 |
| Total risk-based capital ratio | 16.8155% | 2,946 |
| Memoranda: | ||
| Average total assets | $36,605,500 | 5,913 |
| Average earning assets | $33,906,750 | 5,891 |
| Average equity | $3,277,250 | 6,037 |
| Average total loans | $15,941,000 | 5,939 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0698% | 5,777 |
| Cost of funding earning assets | 0.2828% | 4,580 |
| Net interest margin | 2.7869% | 5,639 |
| Noninterest income to average assets | 0.3053% | 4,771 |
| Noninterest expense to average assets | 2.7911% | 3,266 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2017% | 5,687 |
| Return on assets (ROA) | 0.2235% | 5,709 |
| Pretax return on assets | 0.1145% | 5,922 |
| Return on Equity (ROE) | 2.5130% | 5,555 |
| Retained earnings to average equity (ytd only) | 1.1646% | 5,100 |
| Net charge-offs to loans | -0.0126% | 5,001 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7864% | 412 |
| Assets per employee ($millions) | 6.1352% | 1,253 |
| Cash dividends to net income (ytd only)* | 53.6585% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1158% | 4,244 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 44.2993% | 5,366 |
| Net loans and leases to deposits | 50.1507% | 5,496 |
| Net loans and leases to core deposits | 51.8753% | 5,542 |
| Total domestic deposits to total assets | 88.3323% | 1,479 |
| Equity capital to assets | 8.7827% | 5,453 |
| Core capital (leverage) ratio | 8.7074% | 5,313 |
| Tier 1 risk-based capital ratio | 15.3649% | 3,176 |
| Total risk-based capital ratio | 16.2446% | 3,295 |
| Memoranda: | ||
| Average total assets | $36,688,330 | 5,980 |
| Average earning assets | $33,944,000 | 5,952 |
| Average equity | $3,263,000 | 6,100 |
| Average total loans | $15,842,670 | 6,011 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0146% | 5,879 |
| Cost of funding earning assets | 0.2826% | 4,640 |
| Net interest margin | 2.7320% | 5,764 |
| Noninterest income to average assets | 0.3058% | 4,742 |
| Noninterest expense to average assets | 2.8067% | 3,234 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1747% | 5,737 |
| Return on assets (ROA) | 0.1747% | 5,813 |
| Pretax return on assets | 0.0328% | 6,013 |
| Return on Equity (ROE) | 1.9524% | 5,700 |
| Retained earnings to average equity (ytd only) | -0.7322% | 5,504 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8462% | 403 |
| Assets per employee ($millions) | 6.3415% | 1,169 |
| Cash dividends to net income (ytd only)* | 137.5000% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1784% | 4,093 |
| 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 | 40.3322% | 5,581 |
| Net loans and leases to deposits | 44.2490% | 5,749 |
| Net loans and leases to core deposits | 45.0029% | 5,799 |
| Total domestic deposits to total assets | 91.1483% | 314 |
| Equity capital to assets | 8.6704% | 5,598 |
| Core capital (leverage) ratio | 9.0985% | 4,845 |
| Tier 1 risk-based capital ratio | 16.3279% | 2,770 |
| Total risk-based capital ratio | 17.2441% | 2,859 |
| Memoranda: | ||
| Average total assets | $36,627,000 | 6,038 |
| Average earning assets | $33,968,000 | 6,015 |
| Average equity | $3,278,000 | 6,158 |
| Average total loans | $15,518,500 | 6,071 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3760% | 5,575 |
| Cost of funding earning assets | 0.3273% | 4,523 |
| Net interest margin | 3.0487% | 5,319 |
| Noninterest income to average assets | 0.3293% | 4,758 |
| Noninterest expense to average assets | 3.0734% | 2,612 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1791% | 5,805 |
| Return on assets (ROA) | 0.2340% | 5,755 |
| Pretax return on assets | 0.1358% | 5,957 |
| Return on Equity (ROE) | 2.4680% | 5,639 |
| Retained earnings to average equity (ytd only) | 1.8282% | 4,888 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4359% | 446 |
| Assets per employee ($millions) | 5.8675% | 1,478 |
| Cash dividends to net income (ytd only)* | 25.9259% | 3,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1800% | 4,125 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 43.5307% | 5,495 |
| Net loans and leases to deposits | 47.9986% | 5,686 |
| Net loans and leases to core deposits | 48.8883% | 5,768 |
| Total domestic deposits to total assets | 90.6917% | 469 |
| Equity capital to assets | 9.2515% | 5,007 |
| Core capital (leverage) ratio | 9.3782% | 4,423 |
| Tier 1 risk-based capital ratio | 16.6175% | 2,664 |
| Total risk-based capital ratio | 17.5483% | 2,758 |
| Memoranda: | ||
| Average total assets | $34,619,400 | 6,164 |
| Average earning assets | $32,079,600 | 6,141 |
| Average equity | $3,282,000 | 6,219 |
| Average total loans | $15,936,400 | 6,130 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4289% | 5,543 |
| Cost of funding earning assets | 0.3375% | 4,501 |
| Net interest margin | 3.0914% | 5,282 |
| Noninterest income to average assets | 0.3288% | 4,806 |
| Noninterest expense to average assets | 3.0168% | 2,748 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2514% | 5,735 |
| Return on assets (ROA) | 0.3094% | 5,627 |
| Pretax return on assets | 0.2398% | 5,887 |
| Return on Equity (ROE) | 3.2437% | 5,452 |
| Retained earnings to average equity (ytd only) | 2.3922% | 4,860 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3168% | 580 |
| Assets per employee ($millions) | 5.7495% | 1,526 |
| Cash dividends to net income (ytd only)* | 26.2516% | 2,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1418% | 4,548 |
| 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 | 45.9286% | 5,383 |
| Net loans and leases to deposits | 52.9386% | 5,468 |
| Net loans and leases to core deposits | 53.9866% | 5,564 |
| Total domestic deposits to total assets | 86.7583% | 2,446 |
| Equity capital to assets | 9.3254% | 5,012 |
| Core capital (leverage) ratio | 9.4636% | 4,422 |
| Tier 1 risk-based capital ratio | 16.4377% | 2,839 |
| Total risk-based capital ratio | 17.3587% | 2,959 |
| Memoranda: | ||
| Average total assets | $34,473,000 | 6,242 |
| Average earning assets | $32,001,750 | 6,220 |
| Average equity | $3,288,250 | 6,286 |
| Average total loans | $16,043,500 | 6,194 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4476% | 5,529 |
| Cost of funding earning assets | 0.3316% | 4,626 |
| Net interest margin | 3.1160% | 5,207 |
| Noninterest income to average assets | 0.3424% | 4,683 |
| Noninterest expense to average assets | 3.0001% | 2,825 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3018% | 5,558 |
| Return on assets (ROA) | 0.3018% | 5,627 |
| Pretax return on assets | 0.2321% | 5,904 |
| Return on Equity (ROE) | 3.1401% | 5,480 |
| Retained earnings to average equity (ytd only) | 1.8720% | 4,951 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8187% | 709 |
| Assets per employee ($millions) | 5.7642% | 1,461 |
| Cash dividends to net income (ytd only)* | 40.3846% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1446% | 4,686 |
| 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 | 45.4503% | 5,419 |
| Net loans and leases to deposits | 52.0773% | 5,495 |
| Net loans and leases to core deposits | 53.0993% | 5,607 |
| Total domestic deposits to total assets | 87.2748% | 2,309 |
| Equity capital to assets | 8.8998% | 5,412 |
| Core capital (leverage) ratio | 9.3481% | 4,532 |
| Tier 1 risk-based capital ratio | 16.3676% | 2,891 |
| Total risk-based capital ratio | 17.2876% | 3,002 |
| Memoranda: | ||
| Average total assets | $34,465,000 | 6,301 |
| Average earning assets | $31,964,000 | 6,278 |
| Average equity | $3,312,000 | 6,332 |
| Average total loans | $16,049,000 | 6,240 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4676% | 5,508 |
| Cost of funding earning assets | 0.3518% | 4,522 |
| Net interest margin | 3.1158% | 5,190 |
| Noninterest income to average assets | 0.3488% | 4,583 |
| Noninterest expense to average assets | 2.9879% | 2,903 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3139% | 5,443 |
| Return on assets (ROA) | 0.3139% | 5,493 |
| Pretax return on assets | 0.2442% | 5,846 |
| Return on Equity (ROE) | 3.1496% | 5,413 |
| Retained earnings to average equity (ytd only) | 0.6999% | 5,310 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4460% | 849 |
| Assets per employee ($millions) | 5.8290% | 1,428 |
| Cash dividends to net income (ytd only)* | 77.7778% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1474% | 4,886 |
| 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 | 45.0792% | 5,420 |
| Net loans and leases to deposits | 49.4775% | 5,633 |
| Net loans and leases to core deposits | 50.3948% | 5,734 |
| Total domestic deposits to total assets | 91.1105% | 530 |
| Equity capital to assets | 8.7465% | 5,398 |
| Core capital (leverage) ratio | 9.4650% | 4,332 |
| Tier 1 risk-based capital ratio | 16.1929% | 3,058 |
| Total risk-based capital ratio | 17.1152% | 3,200 |
| Memoranda: | ||
| Average total assets | $34,405,000 | 6,365 |
| Average earning assets | $31,838,000 | 6,342 |
| Average equity | $3,429,000 | 6,358 |
| Average total loans | $16,123,000 | 6,301 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7505% | 4,971 |
| Cost of funding earning assets | 0.4101% | 4,539 |
| Net interest margin | 3.3404% | 4,518 |
| Noninterest income to average assets | 0.3462% | 4,846 |
| Noninterest expense to average assets | 3.0502% | 2,898 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3462% | 5,348 |
| Return on assets (ROA) | 0.3462% | 5,461 |
| Pretax return on assets | 0.3262% | 5,658 |
| Return on Equity (ROE) | 3.1229% | 5,460 |
| Retained earnings to average equity (ytd only) | 2.5809% | 4,415 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3390% | 996 |
| Assets per employee ($millions) | 5.6393% | 1,526 |
| Cash dividends to net income (ytd only)* | 17.3554% | 3,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1229% | 5,035 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 47.6238% | 5,334 |
| Net loans and leases to deposits | 54.6886% | 5,411 |
| Net loans and leases to core deposits | 55.2152% | 5,599 |
| Total domestic deposits to total assets | 87.0818% | 2,681 |
| Equity capital to assets | 11.2277% | 2,401 |
| Core capital (leverage) ratio | 11.6840% | 1,839 |
| Tier 1 risk-based capital ratio | 20.2884% | 1,589 |
| Total risk-based capital ratio | 21.2079% | 1,635 |
| Memoranda: | ||
| Average total assets | $34,949,000 | 6,418 |
| Average earning assets | $31,702,400 | 6,405 |
| Average equity | $3,874,600 | 6,354 |
| Average total loans | $16,759,800 | 6,334 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7793% | 4,933 |
| Cost of funding earning assets | 0.4195% | 4,622 |
| Net interest margin | 3.3599% | 4,431 |
| Noninterest income to average assets | 0.3331% | 5,026 |
| Noninterest expense to average assets | 2.9673% | 3,087 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3823% | 5,321 |
| Return on assets (ROA) | 0.3823% | 5,460 |
| Pretax return on assets | 0.3974% | 5,628 |
| Return on Equity (ROE) | 3.4586% | 5,456 |
| Retained earnings to average equity (ytd only) | 2.7394% | 4,679 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1890% | 1,153 |
| Assets per employee ($millions) | 5.8023% | 1,377 |
| Cash dividends to net income (ytd only)* | 20.7931% | 3,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0998% | 5,332 |
| 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 | 47.2712% | 5,420 |
| Net loans and leases to deposits | 54.2705% | 5,515 |
| Net loans and leases to core deposits | 54.7782% | 5,709 |
| Total domestic deposits to total assets | 87.1029% | 2,635 |
| Equity capital to assets | 10.8807% | 2,886 |
| Core capital (leverage) ratio | 11.5779% | 1,979 |
| Tier 1 risk-based capital ratio | 19.7892% | 1,791 |
| Total risk-based capital ratio | 20.6905% | 1,846 |
| Memoranda: | ||
| Average total assets | $35,227,250 | 6,480 |
| Average earning assets | $31,786,000 | 6,475 |
| Average equity | $3,893,500 | 6,430 |
| Average total loans | $16,875,500 | 6,394 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8318% | 4,729 |
| Cost of funding earning assets | 0.4356% | 4,598 |
| Net interest margin | 3.3963% | 4,199 |
| Noninterest income to average assets | 0.3110% | 5,217 |
| Noninterest expense to average assets | 3.0086% | 2,974 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3506% | 5,403 |
| Return on assets (ROA) | 0.3506% | 5,580 |
| Pretax return on assets | 0.3450% | 5,761 |
| Return on Equity (ROE) | 3.1563% | 5,565 |
| Retained earnings to average equity (ytd only) | 2.0872% | 4,944 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7133% | 1,070 |
| Assets per employee ($millions) | 5.8462% | 1,310 |
| Cash dividends to net income (ytd only)* | 33.8710% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0978% | 5,454 |
| 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 | 47.0023% | 5,423 |
| Net loans and leases to deposits | 53.7754% | 5,540 |
| Net loans and leases to core deposits | 54.2728% | 5,734 |
| Total domestic deposits to total assets | 87.4049% | 2,589 |
| Equity capital to assets | 10.6993% | 3,055 |
| Core capital (leverage) ratio | 11.2373% | 2,142 |
| Tier 1 risk-based capital ratio | 19.6581% | 1,807 |
| Total risk-based capital ratio | 20.5622% | 1,873 |
| Memoranda: | ||
| Average total assets | $35,365,000 | 6,522 |
| Average earning assets | $31,682,000 | 6,523 |
| Average equity | $3,928,670 | 6,469 |
| Average total loans | $16,954,000 | 6,427 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7715% | 4,914 |
| Cost of funding earning assets | 0.4683% | 4,393 |
| Net interest margin | 3.3032% | 4,506 |
| Noninterest income to average assets | 0.2704% | 5,522 |
| Noninterest expense to average assets | 3.0640% | 2,799 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2140% | 5,843 |
| Return on assets (ROA) | 0.2140% | 5,961 |
| Pretax return on assets | 0.1464% | 6,180 |
| Return on Equity (ROE) | 1.8922% | 5,970 |
| Retained earnings to average equity (ytd only) | -0.1992% | 5,815 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4386% | 755 |
| Assets per employee ($millions) | 5.8735% | 1,354 |
| Cash dividends to net income (ytd only)* | 110.5263% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1018% | 5,601 |
| Loan loss allowance to noncurrent loans | 122.0000% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 0.4256% | 5,331 |
| Noncurrent loans to loans | 0.9031% | 4,328 |
| Net loans and leases to total assets | 46.6105% | 5,372 |
| Net loans and leases to deposits | 52.7269% | 5,550 |
| Net loans and leases to core deposits | 53.2068% | 5,733 |
| Total domestic deposits to total assets | 88.3999% | 2,068 |
| Equity capital to assets | 11.3419% | 2,593 |
| Core capital (leverage) ratio | 11.2018% | 2,095 |
| Tier 1 risk-based capital ratio | 19.8118% | 1,823 |
| Total risk-based capital ratio | 20.7327% | 1,885 |
| Memoranda: | ||
| Average total assets | $35,509,000 | 6,583 |
| Average earning assets | $31,605,500 | 6,584 |
| Average equity | $4,016,500 | 6,512 |
| Average total loans | $17,096,000 | 6,483 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3143% | 4,142 |
| Cost of funding earning assets | 0.6124% | 4,233 |
| Net interest margin | 3.7019% | 3,631 |
| Noninterest income to average assets | 0.3466% | 4,987 |
| Noninterest expense to average assets | 3.1015% | 2,917 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3378% | 5,339 |
| Return on assets (ROA) | 0.3378% | 5,556 |
| Pretax return on assets | 0.4229% | 5,516 |
| Return on Equity (ROE) | 2.8934% | 5,588 |
| Retained earnings to average equity (ytd only) | 2.3650% | 4,570 |
| Net charge-offs to loans | 0.0054% | 5,890 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 144.0000% | 293 |
| Efficiency ratio | 88.0000% | 1,244 |
| Assets per employee ($millions) | 5.9628% | 1,305 |
| Cash dividends to net income (ytd only)* | 18.2609% | 3,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0408% | 5,810 |
| Loan loss allowance to noncurrent loans | 128.8732% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 0.3969% | 5,493 |
| Noncurrent loans to loans | 0.8076% | 4,575 |
| Net loans and leases to total assets | 48.6346% | 5,349 |
| Net loans and leases to deposits | 54.9850% | 5,557 |
| Net loans and leases to core deposits | 55.4776% | 5,756 |
| Total domestic deposits to total assets | 88.4507% | 1,924 |
| Equity capital to assets | 11.2810% | 2,647 |
| Core capital (leverage) ratio | 11.3184% | 2,003 |
| Tier 1 risk-based capital ratio | 19.7265% | 1,741 |
| Total risk-based capital ratio | 20.6432% | 1,809 |
| Memoranda: | ||
| Average total assets | $34,048,200 | 6,654 |
| Average earning assets | $29,228,600 | 6,685 |
| Average equity | $3,974,600 | 6,573 |
| Average total loans | $18,425,200 | 6,491 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4310% | 3,920 |
| Cost of funding earning assets | 0.6443% | 4,239 |
| Net interest margin | 3.7868% | 3,392 |
| Noninterest income to average assets | 0.3490% | 5,023 |
| Noninterest expense to average assets | 3.1770% | 2,646 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3213% | 5,542 |
| Return on assets (ROA) | 0.3213% | 5,746 |
| Pretax return on assets | 0.4125% | 5,690 |
| Return on Equity (ROE) | 2.7278% | 5,778 |
| Retained earnings to average equity (ytd only) | 2.0206% | 5,312 |
| Net charge-offs to loans | 0.0071% | 5,634 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 104.2556% | 403 |
| Efficiency ratio | 88.5083% | 1,147 |
| Assets per employee ($millions) | 5.6837% | 1,471 |
| Cash dividends to net income (ytd only)* | 25.9259% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9924% | 6,113 |
| 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 | 53.2432% | 4,865 |
| Net loans and leases to deposits | 60.7136% | 5,122 |
| Net loans and leases to core deposits | 61.2895% | 5,424 |
| Total domestic deposits to total assets | 87.6957% | 2,229 |
| Equity capital to assets | 11.8234% | 2,414 |
| Core capital (leverage) ratio | 11.5675% | 1,937 |
| Tier 1 risk-based capital ratio | 19.3428% | 1,910 |
| Total risk-based capital ratio | 20.2448% | 1,983 |
| Memoranda: | ||
| Average total assets | $33,616,000 | 6,744 |
| Average earning assets | $28,766,250 | 6,781 |
| Average equity | $3,959,250 | 6,656 |
| Average total loans | $18,635,750 | 6,571 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4835% | 3,836 |
| Cost of funding earning assets | 0.6746% | 4,231 |
| Net interest margin | 3.8089% | 3,317 |
| Noninterest income to average assets | 0.3647% | 4,911 |
| Noninterest expense to average assets | 3.2642% | 2,400 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2690% | 5,705 |
| Return on assets (ROA) | 0.2690% | 5,903 |
| Pretax return on assets | 0.3408% | 5,857 |
| Return on Equity (ROE) | 2.2872% | 5,951 |
| Retained earnings to average equity (ytd only) | 1.2198% | 5,588 |
| Net charge-offs to loans | 0.0107% | 5,307 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 57.0000% | 664 |
| Efficiency ratio | 90.5473% | 1,033 |
| Assets per employee ($millions) | 5.6105% | 1,517 |
| Cash dividends to net income (ytd only)* | 46.6667% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9748% | 6,247 |
| Loan loss allowance to noncurrent loans | 120.5298% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 0.6624% | 5,128 |
| Noncurrent loans to loans | 0.8087% | 4,891 |
| Net loans and leases to total assets | 54.9238% | 4,642 |
| Net loans and leases to deposits | 62.5156% | 4,935 |
| Net loans and leases to core deposits | 63.1153% | 5,289 |
| Total domestic deposits to total assets | 87.8561% | 2,249 |
| Equity capital to assets | 11.7934% | 2,322 |
| Core capital (leverage) ratio | 11.6401% | 1,820 |
| Tier 1 risk-based capital ratio | 19.2256% | 1,909 |
| Total risk-based capital ratio | 20.1302% | 1,981 |
| Memoranda: | ||
| Average total assets | $33,454,000 | 6,797 |
| Average earning assets | $28,459,670 | 6,836 |
| Average equity | $3,935,000 | 6,702 |
| Average total loans | $18,734,670 | 6,613 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5130% | 3,860 |
| Cost of funding earning assets | 0.6877% | 4,387 |
| Net interest margin | 3.8253% | 3,264 |
| Noninterest income to average assets | 0.3598% | 4,999 |
| Noninterest expense to average assets | 3.2864% | 2,328 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2159% | 5,937 |
| Return on assets (ROA) | 0.2159% | 6,083 |
| Pretax return on assets | 0.2759% | 6,022 |
| Return on Equity (ROE) | 1.8379% | 6,121 |
| Retained earnings to average equity (ytd only) | -0.3063% | 6,042 |
| Net charge-offs to loans | 0.0213% | 4,386 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,106 |
| Efficiency ratio | 92.2559% | 932 |
| Assets per employee ($millions) | 5.6400% | 1,579 |
| Cash dividends to net income (ytd only)* | 116.6667% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9803% | 6,322 |
| Loan loss allowance to noncurrent loans | 120.5298% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 0.7565% | 5,039 |
| Noncurrent loans to loans | 0.8134% | 5,049 |
| Net loans and leases to total assets | 54.3233% | 4,666 |
| Net loans and leases to deposits | 61.6383% | 4,967 |
| Net loans and leases to core deposits | 61.6383% | 5,365 |
| Total domestic deposits to total assets | 88.1324% | 2,227 |
| Equity capital to assets | 11.5691% | 2,373 |
| Core capital (leverage) ratio | 11.3501% | 2,002 |
| Tier 1 risk-based capital ratio | 19.2725% | 1,910 |
| Total risk-based capital ratio | 20.1856% | 1,967 |
| Memoranda: | ||
| Average total assets | $33,349,500 | 6,853 |
| Average earning assets | $27,919,500 | 6,911 |
| Average equity | $3,917,500 | 6,744 |
| Average total loans | $18,766,500 | 6,668 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0774% | 2,542 |
| Cost of funding earning assets | 0.9098% | 4,053 |
| Net interest margin | 4.1676% | 2,170 |
| Noninterest income to average assets | 0.3505% | 4,999 |
| Noninterest expense to average assets | 3.5082% | 1,958 |
| Loan and lease loss provision to assets | 0.0400% | 6,071 |
| Net operating income to assets | 0.2982% | 5,260 |
| Return on assets (ROA) | 0.2982% | 5,416 |
| Pretax return on assets | 0.2952% | 5,568 |
| Return on Equity (ROE) | 2.5197% | 5,471 |
| Retained earnings to average equity (ytd only) | 1.5067% | 5,139 |
| Net charge-offs to loans | 0.0996% | 5,353 |
| Credit loss provision to net charge-offs | 65.0000% | 5,032 |
| Earnings coverage of net charge-offs (x) | 5.4500% | 2,790 |
| Efficiency ratio | 91.2800% | 1,096 |
| Assets per employee ($millions) | 5.4765% | 1,660 |
| Cash dividends to net income (ytd only)* | 40.2062% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9701% | 6,336 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3835% | 6,018 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 57.1655% | 4,521 |
| Net loans and leases to deposits | 65.1408% | 4,860 |
| Net loans and leases to core deposits | 65.1408% | 5,350 |
| Total domestic deposits to total assets | 87.7568% | 2,306 |
| Equity capital to assets | 11.9298% | 2,181 |
| Core capital (leverage) ratio | 11.7442% | 1,739 |
| Tier 1 risk-based capital ratio | 19.1836% | 1,846 |
| Total risk-based capital ratio | 20.1018% | 1,904 |
| Memoranda: | ||
| Average total assets | $32,523,600 | 6,908 |
| Average earning assets | $27,258,200 | 6,951 |
| Average equity | $3,849,600 | 6,790 |
| Average total loans | $20,072,400 | 6,655 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1549% | 2,367 |
| Cost of funding earning assets | 0.9533% | 4,018 |
| Net interest margin | 4.2016% | 2,091 |
| Noninterest income to average assets | 0.3576% | 5,005 |
| Noninterest expense to average assets | 3.4566% | 2,055 |
| Loan and lease loss provision to assets | 0.0534% | 5,780 |
| Net operating income to assets | 0.3535% | 5,192 |
| Return on assets (ROA) | 0.3535% | 5,373 |
| Pretax return on assets | 0.3617% | 5,573 |
| Return on Equity (ROE) | 2.9922% | 5,423 |
| Retained earnings to average equity (ytd only) | 1.6354% | 5,324 |
| Net charge-offs to loans | 0.1311% | 4,738 |
| Credit loss provision to net charge-offs | 65.0000% | 4,628 |
| Earnings coverage of net charge-offs (x) | 5.0491% | 2,886 |
| Efficiency ratio | 89.2781% | 1,216 |
| Assets per employee ($millions) | 5.3342% | 1,766 |
| Cash dividends to net income (ytd only)* | 45.3515% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8915% | 6,622 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4593% | 5,943 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 63.9119% | 3,327 |
| Net loans and leases to deposits | 73.3522% | 3,750 |
| Net loans and leases to core deposits | 73.3522% | 4,545 |
| Total domestic deposits to total assets | 87.1301% | 2,564 |
| Equity capital to assets | 12.2543% | 2,055 |
| Core capital (leverage) ratio | 11.9219% | 1,752 |
| Tier 1 risk-based capital ratio | 17.3525% | 2,505 |
| Total risk-based capital ratio | 18.1855% | 2,639 |
| Memoranda: | ||
| Average total assets | $32,439,750 | 6,968 |
| Average earning assets | $27,132,000 | 7,020 |
| Average equity | $3,832,000 | 6,851 |
| Average total loans | $20,348,500 | 6,701 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1744% | 2,364 |
| Cost of funding earning assets | 1.0138% | 3,858 |
| Net interest margin | 4.1605% | 2,186 |
| Noninterest income to average assets | 0.3621% | 4,982 |
| Noninterest expense to average assets | 3.3758% | 2,328 |
| Loan and lease loss provision to assets | 0.0798% | 5,311 |
| Net operating income to assets | 0.3560% | 5,153 |
| Return on assets (ROA) | 0.3560% | 5,287 |
| Pretax return on assets | 0.3069% | 5,654 |
| Return on Equity (ROE) | 3.0510% | 5,373 |
| Retained earnings to average equity (ytd only) | 0.9995% | 5,467 |
| Net charge-offs to loans | 0.1876% | 4,032 |
| Credit loss provision to net charge-offs | 68.4211% | 4,094 |
| Earnings coverage of net charge-offs (x) | 3.3158% | 3,213 |
| Efficiency ratio | 89.7227% | 1,260 |
| Assets per employee ($millions) | 4.7189% | 2,518 |
| Cash dividends to net income (ytd only)* | 67.2414% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8953% | 6,671 |
| Loan loss allowance to noncurrent loans | 293.6508% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.7447% | 5,424 |
| Noncurrent loans to loans | 0.3049% | 6,315 |
| Net loans and leases to total assets | 61.9944% | 3,887 |
| Net loans and leases to deposits | 70.4413% | 4,377 |
| Net loans and leases to core deposits | 70.4413% | 5,019 |
| Total domestic deposits to total assets | 88.0086% | 2,131 |
| Equity capital to assets | 11.6311% | 2,383 |
| Core capital (leverage) ratio | 11.6457% | 1,817 |
| Tier 1 risk-based capital ratio | 17.6337% | 2,296 |
| Total risk-based capital ratio | 18.4911% | 2,408 |
| Memoranda: | ||
| Average total assets | $32,584,670 | 7,030 |
| Average earning assets | $26,631,330 | 7,108 |
| Average equity | $3,802,000 | 6,901 |
| Average total loans | $20,251,670 | 6,768 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1408% | 2,469 |
| Cost of funding earning assets | 1.0774% | 3,673 |
| Net interest margin | 4.0634% | 2,416 |
| Noninterest income to average assets | 0.3832% | 4,847 |
| Noninterest expense to average assets | 3.3126% | 2,520 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4944% | 4,508 |
| Return on assets (ROA) | 0.4944% | 4,593 |
| Pretax return on assets | 0.3337% | 5,549 |
| Return on Equity (ROE) | 4.2306% | 4,781 |
| Retained earnings to average equity (ytd only) | 0.1058% | 5,753 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8475% | 1,254 |
| Assets per employee ($millions) | 4.6763% | 2,614 |
| Cash dividends to net income (ytd only)* | 97.5000% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9417% | 6,581 |
| Loan loss allowance to noncurrent loans | 138.4058% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.9348% | 5,019 |
| Noncurrent loans to loans | 0.6804% | 5,660 |
| Net loans and leases to total assets | 61.3796% | 3,995 |
| Net loans and leases to deposits | 69.5586% | 4,419 |
| Net loans and leases to core deposits | 69.5586% | 5,104 |
| Total domestic deposits to total assets | 88.2416% | 2,232 |
| Equity capital to assets | 11.5629% | 2,216 |
| Core capital (leverage) ratio | 11.7132% | 1,732 |
| Tier 1 risk-based capital ratio | 18.3372% | 2,008 |
| Total risk-based capital ratio | 19.2621% | 2,079 |
| Memoranda: | ||
| Average total assets | $32,361,000 | 7,088 |
| Average earning assets | $25,988,000 | 7,175 |
| Average equity | $3,782,000 | 6,938 |
| Average total loans | $20,046,000 | 6,838 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7131% | 1,524 |
| Cost of funding earning assets | 1.3925% | 3,319 |
| Net interest margin | 4.3206% | 1,755 |
| Noninterest income to average assets | 0.3663% | 5,176 |
| Noninterest expense to average assets | 3.5850% | 1,961 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.1397% | 5,474 |
| Return on assets (ROA) | 0.1397% | 5,624 |
| Pretax return on assets | 0.2483% | 5,360 |
| Return on Equity (ROE) | 1.1878% | 5,650 |
| Retained earnings to average equity (ytd only) | -0.1584% | 5,636 |
| Net charge-offs to loans | 0.0425% | 6,381 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 8.8889% | 1,902 |
| Efficiency ratio | 93.5223% | 1,087 |
| Assets per employee ($millions) | 3.5542% | 4,816 |
| Cash dividends to net income (ytd only)* | 113.3333% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9642% | 6,516 |
| Loan loss allowance to noncurrent loans | 636.6667% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.6190% | 5,773 |
| Noncurrent loans to loans | 0.1514% | 6,767 |
| Net loans and leases to total assets | 61.3292% | 4,435 |
| Net loans and leases to deposits | 69.6736% | 4,853 |
| Net loans and leases to core deposits | 69.6736% | 5,477 |
| Total domestic deposits to total assets | 88.0236% | 2,237 |
| Equity capital to assets | 11.8138% | 2,032 |
| Core capital (leverage) ratio | 11.6342% | 1,763 |
| Tier 1 risk-based capital ratio | 18.7732% | 1,773 |
| Total risk-based capital ratio | 19.7203% | 1,815 |
| Memoranda: | ||
| Average total assets | $32,218,000 | 7,137 |
| Average earning assets | $25,853,000 | 7,235 |
| Average equity | $3,788,400 | 7,061 |
| Average total loans | $21,179,000 | 6,861 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7654% | 1,500 |
| Cost of funding earning assets | 1.4349% | 3,368 |
| Net interest margin | 4.3305% | 1,742 |
| Noninterest income to average assets | 0.3594% | 5,292 |
| Noninterest expense to average assets | 3.6890% | 1,587 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.1281% | 5,695 |
| Return on assets (ROA) | 0.1281% | 5,862 |
| Pretax return on assets | 0.1611% | 5,813 |
| Return on Equity (ROE) | 1.0903% | 5,873 |
| Retained earnings to average equity (ytd only) | -0.7036% | 5,965 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8155% | 913 |
| Assets per employee ($millions) | 3.4972% | 4,990 |
| Cash dividends to net income (ytd only)* | 164.5294% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9548% | 6,551 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5338% | 6,089 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 65.9126% | 3,711 |
| Net loans and leases to deposits | 75.4071% | 4,281 |
| Net loans and leases to core deposits | 75.4071% | 5,131 |
| Total domestic deposits to total assets | 87.4091% | 2,313 |
| Equity capital to assets | 12.0635% | 2,120 |
| Core capital (leverage) ratio | 11.9735% | 1,682 |
| Tier 1 risk-based capital ratio | 17.7214% | 2,103 |
| Total risk-based capital ratio | 18.6610% | 2,166 |
| Memoranda: | ||
| Average total assets | $32,275,500 | 7,221 |
| Average earning assets | $26,016,500 | 7,320 |
| Average equity | $3,790,750 | 7,151 |
| Average total loans | $21,521,500 | 6,939 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7194% | 1,692 |
| Cost of funding earning assets | 1.4794% | 3,370 |
| Net interest margin | 4.2400% | 2,017 |
| Noninterest income to average assets | 0.3626% | 5,242 |
| Noninterest expense to average assets | 3.6445% | 1,674 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.1352% | 5,770 |
| Return on assets (ROA) | 0.1352% | 5,880 |
| Pretax return on assets | 0.1352% | 5,914 |
| Return on Equity (ROE) | 1.1614% | 5,898 |
| Retained earnings to average equity (ytd only) | -1.5309% | 6,072 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4228% | 948 |
| Assets per employee ($millions) | 3.1957% | 5,695 |
| Cash dividends to net income (ytd only)* | 231.8182% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9111% | 6,721 |
| Loan loss allowance to noncurrent loans | 285.7143% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.9137% | 5,291 |
| Noncurrent loans to loans | 0.3189% | 6,586 |
| Net loans and leases to total assets | 68.0665% | 3,343 |
| Net loans and leases to deposits | 77.5500% | 4,071 |
| Net loans and leases to core deposits | 77.5500% | 5,017 |
| Total domestic deposits to total assets | 87.7711% | 2,128 |
| Equity capital to assets | 11.8628% | 2,173 |
| Core capital (leverage) ratio | 11.5671% | 1,870 |
| Tier 1 risk-based capital ratio | 17.1108% | 2,233 |
| Total risk-based capital ratio | 18.0202% | 2,323 |
| Memoranda: | ||
| Average total assets | $32,542,330 | 7,270 |
| Average earning assets | $26,226,330 | 7,360 |
| Average equity | $3,788,670 | 7,183 |
| Average total loans | $21,713,330 | 6,981 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6671% | 1,896 |
| Cost of funding earning assets | 1.5512% | 3,260 |
| Net interest margin | 4.1160% | 2,371 |
| Noninterest income to average assets | 0.4020% | 4,904 |
| Noninterest expense to average assets | 3.5694% | 1,802 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.1340% | 5,908 |
| Return on assets (ROA) | 0.1340% | 6,033 |
| Pretax return on assets | 0.0975% | 6,146 |
| Return on Equity (ROE) | 1.1617% | 6,078 |
| Retained earnings to average equity (ytd only) | -4.2244% | 6,527 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3422% | 951 |
| Assets per employee ($millions) | 3.6233% | 4,763 |
| Cash dividends to net income (ytd only)* | 463.6364% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9364% | 6,723 |
| Loan loss allowance to noncurrent loans | 97.5610% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 1.2941% | 4,592 |
| Noncurrent loans to loans | 0.9598% | 5,419 |
| Net loans and leases to total assets | 64.8850% | 4,122 |
| Net loans and leases to deposits | 73.5709% | 4,810 |
| Net loans and leases to core deposits | 73.5709% | 5,539 |
| Total domestic deposits to total assets | 88.1938% | 1,953 |
| Equity capital to assets | 11.5547% | 2,322 |
| Core capital (leverage) ratio | 11.7224% | 1,789 |
| Tier 1 risk-based capital ratio | 16.5680% | 2,423 |
| Total risk-based capital ratio | 17.4512% | 2,523 |
| Memoranda: | ||
| Average total assets | $32,835,000 | 7,351 |
| Average earning assets | $26,045,000 | 7,461 |
| Average equity | $3,787,500 | 7,254 |
| Average total loans | $21,594,000 | 7,071 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1750% | 1,307 |
| Cost of funding earning assets | 1.8075% | 3,948 |
| Net interest margin | 4.3675% | 1,525 |
| Noninterest income to average assets | 0.5550% | 3,984 |
| Noninterest expense to average assets | 3.5890% | 2,175 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.4224% | 4,040 |
| Return on assets (ROA) | 0.4224% | 4,142 |
| Pretax return on assets | 0.5272% | 4,114 |
| Return on Equity (ROE) | 3.6405% | 4,237 |
| Retained earnings to average equity (ytd only) | 2.5776% | 3,339 |
| Net charge-offs to loans | 0.1158% | 6,008 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 6.5769% | 2,333 |
| Efficiency ratio | 87.1910% | 1,969 |
| Assets per employee ($millions) | 3.6733% | 4,587 |
| Cash dividends to net income (ytd only)* | 29.1971% | 3,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9162% | 6,744 |
| Loan loss allowance to noncurrent loans | 123.4568% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 1.1464% | 4,802 |
| Noncurrent loans to loans | 0.7421% | 5,774 |
| Net loans and leases to total assets | 65.4235% | 4,294 |
| Net loans and leases to deposits | 74.1735% | 5,014 |
| Net loans and leases to core deposits | 81.8567% | 5,924 |
| Total domestic deposits to total assets | 88.2033% | 1,882 |
| Equity capital to assets | 11.5154% | 2,307 |
| Core capital (leverage) ratio | 11.6408% | 1,847 |
| Tier 1 risk-based capital ratio | 16.7914% | 2,208 |
| Total risk-based capital ratio | 17.6770% | 2,295 |
| Memoranda: | ||
| Average total assets | $32,432,800 | 7,384 |
| Average earning assets | $26,445,200 | 7,487 |
| Average equity | $3,763,200 | 7,367 |
| Average total loans | $22,459,000 | 7,064 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1913% | 1,397 |
| Cost of funding earning assets | 1.8659% | 4,070 |
| Net interest margin | 4.3254% | 1,661 |
| Noninterest income to average assets | 0.6362% | 3,449 |
| Noninterest expense to average assets | 3.4948% | 2,299 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.6362% | 3,470 |
| Return on assets (ROA) | 0.6362% | 3,538 |
| Pretax return on assets | 0.6940% | 3,880 |
| Return on Equity (ROE) | 5.4722% | 3,753 |
| Retained earnings to average equity (ytd only) | 4.0509% | 3,011 |
| Net charge-offs to loans | 0.0943% | 5,733 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 10.5012% | 1,956 |
| Efficiency ratio | 83.4320% | 2,364 |
| Assets per employee ($millions) | 3.5870% | 4,715 |
| Cash dividends to net income (ytd only)* | 25.9728% | 3,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9271% | 6,645 |
| Loan loss allowance to noncurrent loans | 104.4776% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 1.3227% | 4,439 |
| Noncurrent loans to loans | 0.8873% | 5,510 |
| Net loans and leases to total assets | 69.5165% | 3,614 |
| Net loans and leases to deposits | 79.2976% | 4,510 |
| Net loans and leases to core deposits | 87.5751% | 5,681 |
| Total domestic deposits to total assets | 87.6653% | 1,820 |
| Equity capital to assets | 11.8576% | 2,318 |
| Core capital (leverage) ratio | 11.8184% | 1,896 |
| Tier 1 risk-based capital ratio | 16.6093% | 2,390 |
| Total risk-based capital ratio | 17.5247% | 2,465 |
| Memoranda: | ||
| Average total assets | $32,276,000 | 7,453 |
| Average earning assets | $26,509,750 | 7,549 |
| Average equity | $3,752,250 | 7,432 |
| Average total loans | $22,616,500 | 7,116 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1991% | 1,457 |
| Cost of funding earning assets | 1.9197% | 4,165 |
| Net interest margin | 4.2794% | 1,705 |
| Noninterest income to average assets | 0.7994% | 2,415 |
| Noninterest expense to average assets | 3.4951% | 2,350 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7436% | 3,076 |
| Return on assets (ROA) | 0.7436% | 3,180 |
| Pretax return on assets | 0.7994% | 3,675 |
| Return on Equity (ROE) | 6.4395% | 3,466 |
| Retained earnings to average equity (ytd only) | 4.2930% | 2,913 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3853% | 2,822 |
| Assets per employee ($millions) | 3.6547% | 4,443 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9886% | 6,330 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7357% | 5,578 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 68.8131% | 3,993 |
| Net loans and leases to deposits | 78.1534% | 4,846 |
| Net loans and leases to core deposits | 85.6019% | 5,946 |
| Total domestic deposits to total assets | 88.0488% | 1,739 |
| Equity capital to assets | 11.5347% | 2,517 |
| Core capital (leverage) ratio | 11.6100% | 2,032 |
| Tier 1 risk-based capital ratio | 16.5042% | 2,446 |
| Total risk-based capital ratio | 17.4922% | 2,480 |
| Memoranda: | ||
| Average total assets | $32,273,670 | 7,522 |
| Average earning assets | $26,358,670 | 7,624 |
| Average equity | $3,727,000 | 7,503 |
| Average total loans | $22,604,670 | 7,174 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1015% | 1,937 |
| Cost of funding earning assets | 1.9727% | 4,275 |
| Net interest margin | 4.1288% | 2,170 |
| Noninterest income to average assets | 0.4380% | 4,891 |
| Noninterest expense to average assets | 3.5039% | 2,092 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2878% | 5,342 |
| Return on assets (ROA) | 0.2878% | 5,514 |
| Pretax return on assets | 0.3128% | 5,650 |
| Return on Equity (ROE) | 2.4909% | 5,577 |
| Retained earnings to average equity (ytd only) | -1.8411% | 6,069 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8033% | 1,586 |
| Assets per employee ($millions) | 3.5599% | 4,674 |
| Cash dividends to net income (ytd only)* | 173.9130% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0014% | 6,163 |
| Loan loss allowance to noncurrent loans | 81.0036% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 0.8708% | 5,011 |
| Noncurrent loans to loans | 1.2363% | 4,499 |
| Net loans and leases to total assets | 69.7338% | 3,739 |
| Net loans and leases to deposits | 79.0196% | 4,771 |
| Net loans and leases to core deposits | 85.8746% | 5,915 |
| Total domestic deposits to total assets | 88.2487% | 1,612 |
| Equity capital to assets | 11.5016% | 2,587 |
| Core capital (leverage) ratio | 11.7388% | 2,025 |
| Tier 1 risk-based capital ratio | 16.5915% | 2,478 |
| Total risk-based capital ratio | 17.6110% | 2,511 |
| Memoranda: | ||
| Average total assets | $31,964,500 | 7,569 |
| Average earning assets | $26,157,500 | 7,678 |
| Average equity | $3,693,500 | 7,558 |
| Average total loans | $22,477,000 | 7,219 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5093% | 2,914 |
| Cost of funding earning assets | 2.3225% | 5,050 |
| Net interest margin | 4.1868% | 2,361 |
| Noninterest income to average assets | 0.2897% | 6,393 |
| Noninterest expense to average assets | 3.4174% | 2,619 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.3396% | 5,396 |
| Return on assets (ROA) | 0.3396% | 5,219 |
| Pretax return on assets | 0.5452% | 4,865 |
| Return on Equity (ROE) | 2.9827% | 5,244 |
| Retained earnings to average equity (ytd only) | 1.3408% | 4,414 |
| Net charge-offs to loans | 0.0086% | 6,810 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 87.5000% | 482 |
| Efficiency ratio | 86.2421% | 1,831 |
| Assets per employee ($millions) | 3.5433% | 4,560 |
| Cash dividends to net income (ytd only)* | 55.0459% | 2,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0096% | 5,941 |
| Loan loss allowance to noncurrent loans | 96.9957% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 0.7306% | 5,037 |
| Noncurrent loans to loans | 1.0408% | 4,501 |
| Net loans and leases to total assets | 69.4889% | 4,147 |
| Net loans and leases to deposits | 78.8500% | 5,218 |
| Net loans and leases to core deposits | 84.6965% | 6,231 |
| Total domestic deposits to total assets | 88.1279% | 1,415 |
| Equity capital to assets | 11.6087% | 2,565 |
| Core capital (leverage) ratio | 11.6126% | 2,185 |
| Tier 1 risk-based capital ratio | 16.9449% | 2,329 |
| Total risk-based capital ratio | 17.9813% | 2,342 |
| Memoranda: | ||
| Average total assets | $32,100,000 | 7,557 |
| Average earning assets | $28,159,600 | 7,612 |
| Average equity | $3,654,400 | 7,631 |
| Average total loans | $23,357,400 | 7,117 |