| 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 | 4.2429% | 3,545 |
| Cost of funding earning assets | 1.1585% | 2,915 |
| Net interest margin | 3.0845% | 3,125 |
| Noninterest income to average assets | 0.6800% | 1,254 |
| Noninterest expense to average assets | 3.0085% | 1,115 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 0.3545% | 3,949 |
| Return on assets (ROA) | 0.3621% | 3,930 |
| Pretax return on assets | 0.4021% | 3,965 |
| Return on Equity (ROE) | 7.9200% | 3,041 |
| Retained earnings to average equity (ytd only) | 6.7673% | 1,965 |
| Net charge-offs to loans | -0.0282% | 4,252 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 88.7027% | 459 |
| Assets per employee ($millions) | 4.4926% | 3,957 |
| Cash dividends to net income (ytd only)* | 14.5349% | 3,112 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4983% | 1,053 |
| 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 | 29.8500% | 4,295 |
| Net loans and leases to deposits | 31.8332% | 4,335 |
| Net loans and leases to core deposits | 32.7401% | 4,371 |
| Total domestic deposits to total assets | 93.7700% | 123 |
| Equity capital to assets | 5.6382% | 4,312 |
| Core capital (leverage) ratio | 8.2811% | 4,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1777% | 2,176 |
| Memoranda: |
| Average total assets | $47,498,400 | 4,338 |
| Average earning assets | $41,692,800 | 4,330 |
| Average equity | $2,172,200 | 4,481 |
| Average total loans | $14,185,400 | 4,364 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1517% | 3,555 |
| Cost of funding earning assets | 1.0159% | 2,994 |
| Net interest margin | 3.1359% | 3,070 |
| Noninterest income to average assets | 0.7100% | 1,148 |
| Noninterest expense to average assets | 2.9800% | 1,099 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4489% | 3,871 |
| Return on assets (ROA) | 0.4099% | 3,941 |
| Pretax return on assets | 0.4376% | 4,006 |
| Return on Equity (ROE) | 9.4800% | 2,805 |
| Retained earnings to average equity (ytd only) | 7.8768% | 2,010 |
| Net charge-offs to loans | -0.0279% | 4,227 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 86.1489% | 511 |
| Assets per employee ($millions) | 4.4963% | 3,944 |
| Cash dividends to net income (ytd only)* | 16.8919% | 2,569 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4735% | 1,181 |
| 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 | 31.3800% | 4,291 |
| Net loans and leases to deposits | 32.9865% | 4,344 |
| Net loans and leases to core deposits | 33.9045% | 4,352 |
| Total domestic deposits to total assets | 95.1300% | 115 |
| Equity capital to assets | 4.1434% | 4,388 |
| Core capital (leverage) ratio | 7.9970% | 4,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4357% | 2,101 |
| Memoranda: |
| Average total assets | $48,141,500 | 4,345 |
| Average earning assets | $42,262,250 | 4,345 |
| Average equity | $2,082,000 | 4,508 |
| Average total loans | $14,328,000 | 4,383 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9551% | 3,778 |
| Cost of funding earning assets | 0.6730% | 3,561 |
| Net interest margin | 3.2821% | 2,790 |
| Noninterest income to average assets | 0.6200% | 1,378 |
| Noninterest expense to average assets | 2.9471% | 1,134 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5136% | 3,779 |
| Return on assets (ROA) | 0.5284% | 3,758 |
| Pretax return on assets | 0.5813% | 3,831 |
| Return on Equity (ROE) | 12.0600% | 2,139 |
| Retained earnings to average equity (ytd only) | 9.7448% | 1,476 |
| Net charge-offs to loans | -0.0279% | 4,221 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 83.9120% | 601 |
| Assets per employee ($millions) | 5.2125% | 3,402 |
| Cash dividends to net income (ytd only)* | 19.2308% | 2,468 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4244% | 1,433 |
| 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 | 27.8800% | 4,361 |
| Net loans and leases to deposits | 29.3010% | 4,408 |
| Net loans and leases to core deposits | 29.9953% | 4,403 |
| Total domestic deposits to total assets | 95.1500% | 87 |
| Equity capital to assets | 4.1727% | 4,490 |
| Core capital (leverage) ratio | 7.9807% | 4,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7238% | 2,013 |
| Memoranda: |
| Average total assets | $49,201,000 | 4,360 |
| Average earning assets | $43,387,000 | 4,352 |
| Average equity | $2,155,000 | 4,538 |
| Average total loans | $14,330,667 | 4,402 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1183% | 3,219 |
| Cost of funding earning assets | 0.6196% | 3,324 |
| Net interest margin | 3.4986% | 2,369 |
| Noninterest income to average assets | 0.6100% | 1,388 |
| Noninterest expense to average assets | 3.1337% | 888 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4841% | 3,935 |
| Return on assets (ROA) | 0.5279% | 3,792 |
| Pretax return on assets | 0.6033% | 3,832 |
| Return on Equity (ROE) | 11.7500% | 2,282 |
| Retained earnings to average equity (ytd only) | 11.7483% | 1,313 |
| Net charge-offs to loans | -0.0283% | 4,200 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 85.0000% | 547 |
| Assets per employee ($millions) | 4.3886% | 4,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4913% | 1,300 |
| 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 | 28.6000% | 4,393 |
| Net loans and leases to deposits | 30.3076% | 4,442 |
| Net loans and leases to core deposits | 31.0848% | 4,445 |
| Total domestic deposits to total assets | 94.3600% | 142 |
| Equity capital to assets | 4.9052% | 4,434 |
| Core capital (leverage) ratio | 7.4720% | 4,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7749% | 2,474 |
| Memoranda: |
| Average total assets | $47,739,000 | 4,434 |
| Average earning assets | $41,959,500 | 4,437 |
| Average equity | $2,145,000 | 4,601 |
| Average total loans | $14,124,500 | 4,470 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0938% | 3,997 |
| Cost of funding earning assets | 0.1983% | 3,774 |
| Net interest margin | 2.8955% | 3,694 |
| Noninterest income to average assets | 0.5600% | 1,824 |
| Noninterest expense to average assets | 2.8621% | 1,189 |
| Loan and lease loss provision to assets | -0.0900% | 4,511 |
| Net operating income to assets | 0.3446% | 4,324 |
| Return on assets (ROA) | 0.2595% | 4,383 |
| Pretax return on assets | 0.2397% | 4,414 |
| Return on Equity (ROE) | 5.2500% | 3,976 |
| Retained earnings to average equity (ytd only) | 3.5674% | 3,546 |
| Net charge-offs to loans | -0.0365% | 4,260 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 92.2733% | 257 |
| Assets per employee ($millions) | 4.2912% | 4,147 |
| Cash dividends to net income (ytd only)* | 32.0611% | 2,325 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4613% | 1,306 |
| 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 | 29.7100% | 4,397 |
| Net loans and leases to deposits | 31.1862% | 4,447 |
| Net loans and leases to core deposits | 31.6236% | 4,457 |
| Total domestic deposits to total assets | 95.2800% | 121 |
| Equity capital to assets | 4.0718% | 4,509 |
| Core capital (leverage) ratio | 7.5359% | 4,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1645% | 2,302 |
| Memoranda: |
| Average total assets | $50,487,600 | 4,436 |
| Average earning assets | $44,379,200 | 4,431 |
| Average equity | $2,494,800 | 4,646 |
| Average total loans | $13,707,800 | 4,506 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8641% | 4,105 |
| Cost of funding earning assets | 0.1417% | 3,923 |
| Net interest margin | 2.7224% | 3,881 |
| Noninterest income to average assets | 0.5700% | 1,823 |
| Noninterest expense to average assets | 2.7597% | 1,326 |
| Loan and lease loss provision to assets | -0.1100% | 4,594 |
| Net operating income to assets | 0.3586% | 4,308 |
| Return on assets (ROA) | 0.2729% | 4,371 |
| Pretax return on assets | 0.2313% | 4,434 |
| Return on Equity (ROE) | 5.3100% | 3,925 |
| Retained earnings to average equity (ytd only) | 4.2961% | 3,349 |
| Net charge-offs to loans | -0.0393% | 4,235 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 93.0762% | 252 |
| Assets per employee ($millions) | 4.5141% | 4,043 |
| Cash dividends to net income (ytd only)* | 19.0476% | 2,503 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5404% | 1,189 |
| 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 | 26.6500% | 4,493 |
| Net loans and leases to deposits | 27.8788% | 4,532 |
| Net loans and leases to core deposits | 28.2490% | 4,534 |
| Total domestic deposits to total assets | 95.5800% | 166 |
| Equity capital to assets | 3.5485% | 4,540 |
| Core capital (leverage) ratio | 6.9892% | 4,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2258% | 1,642 |
| Memoranda: |
| Average total assets | $51,308,750 | 4,462 |
| Average earning assets | $45,155,250 | 4,459 |
| Average equity | $2,638,000 | 4,676 |
| Average total loans | $13,576,250 | 4,540 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5385% | 4,339 |
| Cost of funding earning assets | 0.1439% | 3,652 |
| Net interest margin | 2.3945% | 4,234 |
| Noninterest income to average assets | 0.4859% | 2,278 |
| Noninterest expense to average assets | 2.8500% | 1,079 |
| Loan and lease loss provision to assets | -0.1658% | 4,660 |
| Net operating income to assets | 0.0076% | 4,576 |
| Return on assets (ROA) | -0.0656% | 4,576 |
| Pretax return on assets | -0.1735% | 4,595 |
| Return on Equity (ROE) | -1.1604% | 4,596 |
| Retained earnings to average equity (ytd only) | -2.5256% | 4,418 |
| Net charge-offs to loans | -0.0294% | 4,028 |
| Credit loss provision to net charge-offs | 2,150.0000% | 233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.4815% | 116 |
| Assets per employee ($millions) | 5.0096% | 3,670 |
| Cash dividends to net income (ytd only)* | -117.6471% | 4,755 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5288% | 1,334 |
| 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 | 23.9611% | 4,596 |
| Net loans and leases to deposits | 25.1658% | 4,629 |
| Net loans and leases to core deposits | 25.4677% | 4,630 |
| Total domestic deposits to total assets | 95.2129% | 125 |
| Equity capital to assets | 4.0939% | 4,613 |
| Core capital (leverage) ratio | 6.4461% | 4,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4105% | 2,336 |
| Memoranda: |
| Average total assets | $51,860,000 | 4,493 |
| Average earning assets | $45,854,667 | 4,509 |
| Average equity | $2,930,000 | 4,695 |
| Average total loans | $13,622,333 | 4,604 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.4431% | 4,335 |
| Cost of funding earning assets | 0.1533% | 3,460 |
| Net interest margin | 2.2899% | 4,250 |
| Noninterest income to average assets | 0.4937% | 2,174 |
| Noninterest expense to average assets | 3.1929% | 609 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.4714% | 4,698 |
| Return on assets (ROA) | -0.5972% | 4,704 |
| Pretax return on assets | -0.8360% | 4,718 |
| Return on Equity (ROE) | -9.1827% | 4,737 |
| Retained earnings to average equity (ytd only) | -9.1827% | 4,547 |
| Net charge-offs to loans | -0.0583% | 4,309 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.8987% | 70 |
| Assets per employee ($millions) | 4.8907% | 3,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8300% | 835 |
| 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 | 24.7295% | 4,601 |
| Net loans and leases to deposits | 26.3185% | 4,633 |
| Net loans and leases to core deposits | 26.6458% | 4,644 |
| Total domestic deposits to total assets | 93.9626% | 117 |
| Equity capital to assets | 5.2920% | 4,691 |
| Core capital (leverage) ratio | 6.4795% | 4,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0684% | 2,584 |
| Memoranda: |
| Average total assets | $50,237,000 | 4,535 |
| Average earning assets | $44,369,000 | 4,556 |
| Average equity | $3,267,000 | 4,707 |
| Average total loans | $13,729,000 | 4,623 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0451% | 3,793 |
| Cost of funding earning assets | 0.2028% | 3,434 |
| Net interest margin | 2.8423% | 3,579 |
| Noninterest income to average assets | 0.6239% | 2,055 |
| Noninterest expense to average assets | 2.9996% | 982 |
| Loan and lease loss provision to assets | -0.1505% | 4,630 |
| Net operating income to assets | 0.2574% | 4,472 |
| Return on assets (ROA) | 0.2247% | 4,526 |
| Pretax return on assets | 0.2182% | 4,562 |
| Return on Equity (ROE) | 2.8298% | 4,396 |
| Retained earnings to average equity (ytd only) | 2.2254% | 3,914 |
| Net charge-offs to loans | -0.0270% | 4,083 |
| Credit loss provision to net charge-offs | 1,725.0000% | 348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7628% | 185 |
| Assets per employee ($millions) | 4.2433% | 4,304 |
| Cash dividends to net income (ytd only)* | 21.3592% | 2,958 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7690% | 921 |
| 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 | 29.2656% | 4,533 |
| Net loans and leases to deposits | 32.1102% | 4,577 |
| Net loans and leases to core deposits | 32.5851% | 4,591 |
| Total domestic deposits to total assets | 91.1411% | 441 |
| Equity capital to assets | 7.8991% | 4,416 |
| Core capital (leverage) ratio | 7.4855% | 4,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9453% | 1,277 |
| Memoranda: |
| Average total assets | $45,840,000 | 4,603 |
| Average earning assets | $39,932,600 | 4,619 |
| Average equity | $3,639,800 | 4,730 |
| Average total loans | $14,792,800 | 4,656 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0575% | 3,895 |
| Cost of funding earning assets | 0.2083% | 3,530 |
| Net interest margin | 2.8492% | 3,661 |
| Noninterest income to average assets | 0.6457% | 2,026 |
| Noninterest expense to average assets | 3.0359% | 910 |
| Loan and lease loss provision to assets | -0.0548% | 4,474 |
| Net operating income to assets | 0.1753% | 4,647 |
| Return on assets (ROA) | 0.1461% | 4,686 |
| Pretax return on assets | 0.1140% | 4,709 |
| Return on Equity (ROE) | 1.8375% | 4,618 |
| Retained earnings to average equity (ytd only) | 1.8375% | 4,239 |
| Net charge-offs to loans | -0.0178% | 3,926 |
| Credit loss provision to net charge-offs | 950.0000% | 527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1936% | 181 |
| Assets per employee ($millions) | 4.3449% | 4,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2013% | 454 |
| Loan loss allowance to noncurrent loans | 1,336.3636% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.0460% | 3,844 |
| Noncurrent loans to loans | 0.1647% | 3,297 |
| Net loans and leases to total assets | 27.3298% | 4,671 |
| Net loans and leases to deposits | 30.0829% | 4,698 |
| Net loans and leases to core deposits | 30.7175% | 4,715 |
| Total domestic deposits to total assets | 90.8482% | 419 |
| Equity capital to assets | 7.6076% | 4,677 |
| Core capital (leverage) ratio | 7.4776% | 4,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8096% | 1,387 |
| Memoranda: |
| Average total assets | $45,631,000 | 4,673 |
| Average earning assets | $39,683,000 | 4,685 |
| Average equity | $3,628,000 | 4,800 |
| Average total loans | $15,014,500 | 4,719 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2327% | 3,604 |
| Cost of funding earning assets | 0.2258% | 3,509 |
| Net interest margin | 3.0069% | 3,303 |
| Noninterest income to average assets | 0.6057% | 2,193 |
| Noninterest expense to average assets | 3.0416% | 917 |
| Loan and lease loss provision to assets | -0.0846% | 4,594 |
| Net operating income to assets | 0.2531% | 4,577 |
| Return on assets (ROA) | 0.2182% | 4,632 |
| Pretax return on assets | 0.2227% | 4,658 |
| Return on Equity (ROE) | 2.7032% | 4,526 |
| Retained earnings to average equity (ytd only) | 2.7032% | 3,940 |
| Net charge-offs to loans | -0.0385% | 4,257 |
| Credit loss provision to net charge-offs | 633.3333% | 603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5983% | 243 |
| Assets per employee ($millions) | 4.2236% | 4,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0612% | 539 |
| Loan loss allowance to noncurrent loans | 1,229.1667% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.0517% | 3,900 |
| Noncurrent loans to loans | 0.1677% | 3,377 |
| Net loans and leases to total assets | 30.1700% | 4,645 |
| Net loans and leases to deposits | 33.2843% | 4,699 |
| Net loans and leases to core deposits | 34.0062% | 4,711 |
| Total domestic deposits to total assets | 90.6436% | 499 |
| Equity capital to assets | 7.8110% | 4,627 |
| Core capital (leverage) ratio | 7.1911% | 4,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8142% | 1,384 |
| Memoranda: |
| Average total assets | $44,910,000 | 4,706 |
| Average earning assets | $38,977,000 | 4,724 |
| Average equity | $3,625,333 | 4,834 |
| Average total loans | $15,567,333 | 4,741 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9003% | 4,254 |
| Cost of funding earning assets | 0.2408% | 3,554 |
| Net interest margin | 2.6595% | 4,040 |
| Noninterest income to average assets | 0.9879% | 1,149 |
| Noninterest expense to average assets | 3.2175% | 699 |
| Loan and lease loss provision to assets | -0.0634% | 4,673 |
| Net operating income to assets | 0.1312% | 4,685 |
| Return on assets (ROA) | 0.2357% | 4,629 |
| Pretax return on assets | 0.2447% | 4,646 |
| Return on Equity (ROE) | 2.8702% | 4,496 |
| Retained earnings to average equity (ytd only) | 2.8702% | 3,819 |
| Net charge-offs to loans | -0.0494% | 4,387 |
| Credit loss provision to net charge-offs | 350.0000% | 699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7961% | 220 |
| Assets per employee ($millions) | 4.4099% | 4,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9515% | 663 |
| Loan loss allowance to noncurrent loans | 1,224.0000% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.0515% | 4,011 |
| Noncurrent loans to loans | 0.1594% | 3,540 |
| Net loans and leases to total assets | 31.6931% | 4,639 |
| Net loans and leases to deposits | 34.7710% | 4,712 |
| Net loans and leases to core deposits | 35.4877% | 4,731 |
| Total domestic deposits to total assets | 91.1480% | 349 |
| Equity capital to assets | 7.4110% | 4,742 |
| Core capital (leverage) ratio | 7.2873% | 4,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9041% | 1,597 |
| Memoranda: |
| Average total assets | $44,133,000 | 4,739 |
| Average earning assets | $38,203,000 | 4,751 |
| Average equity | $3,623,500 | 4,859 |
| Average total loans | $16,195,000 | 4,756 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3024% | 1,864 |
| Cost of funding earning assets | 0.5352% | 2,714 |
| Net interest margin | 3.7672% | 1,595 |
| Noninterest income to average assets | 0.6406% | 2,063 |
| Noninterest expense to average assets | 3.3720% | 822 |
| Loan and lease loss provision to assets | 0.0447% | 3,842 |
| Net operating income to assets | 0.3686% | 4,307 |
| Return on assets (ROA) | 0.3799% | 4,364 |
| Pretax return on assets | 0.4172% | 4,391 |
| Return on Equity (ROE) | 4.2054% | 4,113 |
| Retained earnings to average equity (ytd only) | 2.9685% | 3,375 |
| Net charge-offs to loans | -0.0333% | 4,568 |
| Credit loss provision to net charge-offs | -300.0000% | 3,851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2391% | 434 |
| Assets per employee ($millions) | 3.6143% | 4,603 |
| Cash dividends to net income (ytd only)* | 29.4118% | 2,880 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8612% | 777 |
| Loan loss allowance to noncurrent loans | 54.6573% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 1.4312% | 530 |
| Noncurrent loans to loans | 3.4051% | 218 |
| Net loans and leases to total assets | 41.2481% | 4,390 |
| Net loans and leases to deposits | 46.3563% | 4,450 |
| Net loans and leases to core deposits | 47.5540% | 4,503 |
| Total domestic deposits to total assets | 88.9806% | 995 |
| Equity capital to assets | 9.1858% | 3,902 |
| Core capital (leverage) ratio | 8.3174% | 4,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $40,272,400 | 4,767 |
| Average earning assets | $34,004,000 | 4,796 |
| Average equity | $3,638,200 | 4,869 |
| Average total loans | $18,041,400 | 4,752 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5433% | 1,468 |
| Cost of funding earning assets | 0.5870% | 2,690 |
| Net interest margin | 3.9563% | 1,219 |
| Noninterest income to average assets | 0.6633% | 1,931 |
| Noninterest expense to average assets | 3.3265% | 870 |
| Loan and lease loss provision to assets | 0.0594% | 3,604 |
| Net operating income to assets | 0.5175% | 3,985 |
| Return on assets (ROA) | 0.5313% | 4,046 |
| Pretax return on assets | 0.6303% | 4,049 |
| Return on Equity (ROE) | 5.9058% | 3,587 |
| Retained earnings to average equity (ytd only) | 5.9058% | 2,141 |
| Net charge-offs to loans | -0.0290% | 4,522 |
| Credit loss provision to net charge-offs | -450.0000% | 3,773 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1683% | 664 |
| Assets per employee ($millions) | 3.7253% | 4,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6370% | 1,005 |
| Loan loss allowance to noncurrent loans | 1,236.0000% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.0610% | 4,137 |
| Noncurrent loans to loans | 0.1324% | 3,850 |
| Net loans and leases to total assets | 45.3097% | 4,349 |
| Net loans and leases to deposits | 50.8950% | 4,457 |
| Net loans and leases to core deposits | 52.1662% | 4,522 |
| Total domestic deposits to total assets | 89.0258% | 755 |
| Equity capital to assets | 9.1537% | 3,996 |
| Core capital (leverage) ratio | 8.2250% | 4,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $40,401,250 | 4,794 |
| Average earning assets | $34,071,000 | 4,822 |
| Average equity | $3,634,750 | 4,894 |
| Average total loans | $18,374,250 | 4,776 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8069% | 1,156 |
| Cost of funding earning assets | 0.6884% | 2,458 |
| Net interest margin | 4.1185% | 1,075 |
| Noninterest income to average assets | 0.6068% | 2,103 |
| Noninterest expense to average assets | 3.4967% | 752 |
| Loan and lease loss provision to assets | 0.0895% | 3,154 |
| Net operating income to assets | 0.4218% | 4,184 |
| Return on assets (ROA) | 0.4427% | 4,207 |
| Pretax return on assets | 0.5272% | 4,205 |
| Return on Equity (ROE) | 4.9499% | 3,840 |
| Retained earnings to average equity (ytd only) | 4.9499% | 2,499 |
| Net charge-offs to loans | -0.0549% | 4,706 |
| Credit loss provision to net charge-offs | -360.0000% | 3,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5231% | 563 |
| Assets per employee ($millions) | 3.8810% | 4,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5943% | 1,021 |
| Loan loss allowance to noncurrent loans | 267.2414% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 0.6606% | 1,848 |
| Noncurrent loans to loans | 0.5966% | 2,361 |
| Net loans and leases to total assets | 44.8198% | 4,411 |
| Net loans and leases to deposits | 49.9204% | 4,537 |
| Net loans and leases to core deposits | 50.7614% | 4,607 |
| Total domestic deposits to total assets | 89.7824% | 465 |
| Equity capital to assets | 8.5334% | 4,458 |
| Core capital (leverage) ratio | 7.8270% | 4,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0509% | 1,791 |
| Memoranda: |
| Average total assets | $40,209,000 | 4,821 |
| Average earning assets | $33,992,667 | 4,841 |
| Average equity | $3,596,000 | 4,929 |
| Average total loans | $18,207,000 | 4,811 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2508% | 3,067 |
| Cost of funding earning assets | 0.8502% | 2,112 |
| Net interest margin | 3.4006% | 3,295 |
| Noninterest income to average assets | 0.6877% | 1,688 |
| Noninterest expense to average assets | 4.0341% | 492 |
| Loan and lease loss provision to assets | 0.2566% | 1,211 |
| Net operating income to assets | -0.5543% | 4,941 |
| Return on assets (ROA) | -0.5543% | 4,915 |
| Pretax return on assets | -0.7288% | 4,927 |
| Return on Equity (ROE) | -6.0462% | 4,947 |
| Retained earnings to average equity (ytd only) | -6.0462% | 4,591 |
| Net charge-offs to loans | -0.0682% | 4,723 |
| Credit loss provision to net charge-offs | -833.3333% | 3,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.2565% | 133 |
| Assets per employee ($millions) | 3.7337% | 4,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8063% | 698 |
| Loan loss allowance to noncurrent loans | 260.3306% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.7475% | 1,809 |
| Noncurrent loans to loans | 0.6938% | 2,261 |
| Net loans and leases to total assets | 41.6937% | 4,604 |
| Net loans and leases to deposits | 45.9890% | 4,723 |
| Net loans and leases to core deposits | 51.0387% | 4,652 |
| Total domestic deposits to total assets | 90.6601% | 156 |
| Equity capital to assets | 7.9131% | 4,987 |
| Core capital (leverage) ratio | 7.6584% | 5,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9033% | 2,329 |
| Memoranda: |
| Average total assets | $38,968,000 | 4,870 |
| Average earning assets | $32,935,000 | 4,891 |
| Average equity | $3,572,500 | 4,974 |
| Average total loans | $17,588,500 | 4,857 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5691% | 2,715 |
| Cost of funding earning assets | 0.8176% | 2,599 |
| Net interest margin | 3.7515% | 2,657 |
| Noninterest income to average assets | 0.8062% | 1,431 |
| Noninterest expense to average assets | 3.5417% | 912 |
| Loan and lease loss provision to assets | 0.0283% | 3,451 |
| Net operating income to assets | 0.3932% | 4,604 |
| Return on assets (ROA) | 0.4044% | 4,620 |
| Pretax return on assets | 0.4636% | 4,629 |
| Return on Equity (ROE) | 4.1594% | 4,428 |
| Retained earnings to average equity (ytd only) | 2.1194% | 3,938 |
| Net charge-offs to loans | 0.1460% | 1,347 |
| Credit loss provision to net charge-offs | 42.3077% | 3,186 |
| Earnings coverage of net charge-offs (x) | 7.1538% | 2,900 |
| Efficiency ratio | 88.0846% | 432 |
| Assets per employee ($millions) | 3.3514% | 4,606 |
| Cash dividends to net income (ytd only)* | 49.0446% | 2,117 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6180% | 941 |
| Loan loss allowance to noncurrent loans | 225.9843% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.8490% | 1,513 |
| Noncurrent loans to loans | 0.7160% | 2,086 |
| Net loans and leases to total assets | 47.3376% | 4,464 |
| Net loans and leases to deposits | 54.1100% | 4,528 |
| Net loans and leases to core deposits | 61.0431% | 4,388 |
| Total domestic deposits to total assets | 87.4841% | 1,373 |
| Equity capital to assets | 10.5656% | 3,383 |
| Core capital (leverage) ratio | 9.9325% | 3,589 |
| Tier 1 risk-based capital ratio | 14.8803% | 2,830 |
| Total risk-based capital ratio | 16.0234% | 2,802 |
| Memoranda: |
| Average total assets | $38,823,200 | 4,913 |
| Average earning assets | $33,267,000 | 4,940 |
| Average equity | $3,774,600 | 5,012 |
| Average total loans | $17,806,600 | 4,906 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5683% | 2,840 |
| Cost of funding earning assets | 0.8302% | 2,564 |
| Net interest margin | 3.7381% | 2,798 |
| Noninterest income to average assets | 0.8072% | 1,396 |
| Noninterest expense to average assets | 3.4085% | 1,074 |
| Loan and lease loss provision to assets | 0.0373% | 3,152 |
| Net operating income to assets | 0.4982% | 4,520 |
| Return on assets (ROA) | 0.5155% | 4,534 |
| Pretax return on assets | 0.6037% | 4,537 |
| Return on Equity (ROE) | 5.4122% | 4,213 |
| Retained earnings to average equity (ytd only) | 3.8099% | 3,490 |
| Net charge-offs to loans | 0.1870% | 920 |
| Credit loss provision to net charge-offs | 44.0000% | 2,829 |
| Earnings coverage of net charge-offs (x) | 7.3204% | 2,755 |
| Efficiency ratio | 84.5960% | 575 |
| Assets per employee ($millions) | 3.4223% | 4,581 |
| Cash dividends to net income (ytd only)* | 29.6062% | 2,632 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6196% | 959 |
| Loan loss allowance to noncurrent loans | 218.1818% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.8447% | 1,630 |
| Noncurrent loans to loans | 0.7423% | 2,107 |
| Net loans and leases to total assets | 46.4710% | 4,581 |
| Net loans and leases to deposits | 54.0790% | 4,622 |
| Net loans and leases to core deposits | 60.9038% | 4,500 |
| Total domestic deposits to total assets | 85.9317% | 2,024 |
| Equity capital to assets | 10.5167% | 3,530 |
| Core capital (leverage) ratio | 9.3539% | 4,321 |
| Tier 1 risk-based capital ratio | 14.7527% | 2,976 |
| Total risk-based capital ratio | 15.8815% | 2,941 |
| Memoranda: |
| Average total assets | $39,312,750 | 4,975 |
| Average earning assets | $33,885,000 | 5,009 |
| Average equity | $3,744,500 | 5,090 |
| Average total loans | $17,823,750 | 4,982 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2589% | 3,763 |
| Cost of funding earning assets | 0.7876% | 2,703 |
| Net interest margin | 3.4713% | 3,685 |
| Noninterest income to average assets | 0.7374% | 1,574 |
| Noninterest expense to average assets | 3.4664% | 996 |
| Loan and lease loss provision to assets | 0.0451% | 2,919 |
| Net operating income to assets | 0.1806% | 5,014 |
| Return on assets (ROA) | 0.1806% | 5,021 |
| Pretax return on assets | 0.2107% | 5,018 |
| Return on Equity (ROE) | 1.9603% | 4,943 |
| Retained earnings to average equity (ytd only) | 0.2723% | 4,617 |
| Net charge-offs to loans | -0.0224% | 4,583 |
| Credit loss provision to net charge-offs | -450.0000% | 4,117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1267% | 253 |
| Assets per employee ($millions) | 3.6783% | 4,272 |
| Cash dividends to net income (ytd only)* | 86.1111% | 696 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7183% | 787 |
| Loan loss allowance to noncurrent loans | 102.9605% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 1.2110% | 1,091 |
| Noncurrent loans to loans | 1.6689% | 915 |
| Net loans and leases to total assets | 44.2475% | 4,715 |
| Net loans and leases to deposits | 49.0010% | 4,829 |
| Net loans and leases to core deposits | 53.9491% | 4,781 |
| Total domestic deposits to total assets | 90.2993% | 242 |
| Equity capital to assets | 9.4140% | 4,486 |
| Core capital (leverage) ratio | 8.8184% | 4,774 |
| Tier 1 risk-based capital ratio | 13.8863% | 3,378 |
| Total risk-based capital ratio | 15.0738% | 3,309 |
| Memoranda: |
| Average total assets | $39,868,670 | 5,008 |
| Average earning assets | $34,281,000 | 5,042 |
| Average equity | $3,673,000 | 5,133 |
| Average total loans | $17,837,670 | 5,029 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2352% | 3,762 |
| Cost of funding earning assets | 0.7786% | 2,644 |
| Net interest margin | 3.4566% | 3,729 |
| Noninterest income to average assets | 0.6975% | 1,624 |
| Noninterest expense to average assets | 3.7905% | 658 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.0809% | 5,174 |
| Return on assets (ROA) | -0.0809% | 5,174 |
| Pretax return on assets | -0.1314% | 5,178 |
| Return on Equity (ROE) | -0.8877% | 5,180 |
| Retained earnings to average equity (ytd only) | -1.6644% | 4,716 |
| Net charge-offs to loans | 0.0907% | 1,212 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | -3.2500% | 2,707 |
| Efficiency ratio | 103.5912% | 141 |
| Assets per employee ($millions) | 3.8751% | 4,093 |
| Cash dividends to net income (ytd only)* | -87.5000% | 5,338 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6836% | 888 |
| Loan loss allowance to noncurrent loans | 53.2143% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 1.7501% | 615 |
| Noncurrent loans to loans | 3.1638% | 324 |
| Net loans and leases to total assets | 40.8248% | 4,869 |
| Net loans and leases to deposits | 44.7559% | 4,967 |
| Net loans and leases to core deposits | 45.1625% | 5,016 |
| Total domestic deposits to total assets | 91.2166% | 131 |
| Equity capital to assets | 8.5933% | 4,932 |
| Core capital (leverage) ratio | 8.6776% | 4,891 |
| Tier 1 risk-based capital ratio | 13.8696% | 3,409 |
| Total risk-based capital ratio | 15.0148% | 3,370 |
| Memoranda: |
| Average total assets | $39,572,500 | 5,064 |
| Average earning assets | $33,906,500 | 5,102 |
| Average equity | $3,605,000 | 5,191 |
| Average total loans | $17,648,500 | 5,090 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0394% | 3,916 |
| Cost of funding earning assets | 0.6143% | 2,622 |
| Net interest margin | 3.4251% | 3,924 |
| Noninterest income to average assets | 0.8311% | 1,367 |
| Noninterest expense to average assets | 3.5932% | 883 |
| Loan and lease loss provision to assets | 0.0027% | 4,054 |
| Net operating income to assets | 0.1641% | 5,134 |
| Return on assets (ROA) | 0.1399% | 5,150 |
| Pretax return on assets | 0.1049% | 5,175 |
| Return on Equity (ROE) | 1.4850% | 5,112 |
| Retained earnings to average equity (ytd only) | 0.3998% | 4,876 |
| Net charge-offs to loans | 0.5512% | 317 |
| Credit loss provision to net charge-offs | 1.0417% | 3,450 |
| Earnings coverage of net charge-offs (x) | 0.5104% | 3,692 |
| Efficiency ratio | 96.4621% | 205 |
| Assets per employee ($millions) | 3.0433% | 4,968 |
| Cash dividends to net income (ytd only)* | 73.0769% | 939 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7162% | 806 |
| Loan loss allowance to noncurrent loans | 92.6380% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 1.4020% | 869 |
| Noncurrent loans to loans | 1.8526% | 755 |
| Net loans and leases to total assets | 47.3589% | 4,680 |
| Net loans and leases to deposits | 55.8588% | 4,672 |
| Net loans and leases to core deposits | 56.4938% | 4,765 |
| Total domestic deposits to total assets | 84.7833% | 2,736 |
| Equity capital to assets | 9.7128% | 3,938 |
| Core capital (leverage) ratio | 9.8609% | 3,731 |
| Tier 1 risk-based capital ratio | 14.4968% | 3,062 |
| Total risk-based capital ratio | 15.7224% | 2,987 |
| Memoranda: |
| Average total assets | $37,181,600 | 5,141 |
| Average earning assets | $31,415,400 | 5,177 |
| Average equity | $3,501,600 | 5,239 |
| Average total loans | $17,418,000 | 5,138 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9883% | 3,961 |
| Cost of funding earning assets | 0.6188% | 2,349 |
| Net interest margin | 3.3695% | 4,104 |
| Noninterest income to average assets | 0.8532% | 1,324 |
| Noninterest expense to average assets | 3.5879% | 871 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.1321% | 5,239 |
| Return on assets (ROA) | 0.1035% | 5,244 |
| Pretax return on assets | 0.0750% | 5,259 |
| Return on Equity (ROE) | 1.1079% | 5,222 |
| Retained earnings to average equity (ytd only) | -0.0765% | 5,046 |
| Net charge-offs to loans | 0.7368% | 190 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 0.3021% | 3,410 |
| Efficiency ratio | 97.1954% | 187 |
| Assets per employee ($millions) | 3.3166% | 4,758 |
| Cash dividends to net income (ytd only)* | 106.8787% | 213 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8061% | 716 |
| Loan loss allowance to noncurrent loans | 90.9366% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 1.4171% | 937 |
| Noncurrent loans to loans | 1.9861% | 747 |
| Net loans and leases to total assets | 44.8565% | 4,844 |
| Net loans and leases to deposits | 50.8720% | 4,924 |
| Net loans and leases to core deposits | 51.4251% | 4,982 |
| Total domestic deposits to total assets | 88.1753% | 1,164 |
| Equity capital to assets | 9.4345% | 4,147 |
| Core capital (leverage) ratio | 9.4959% | 4,176 |
| Tier 1 risk-based capital ratio | 14.8865% | 2,933 |
| Total risk-based capital ratio | 16.1327% | 2,850 |
| Memoranda: |
| Average total assets | $37,347,250 | 5,202 |
| Average earning assets | $31,457,750 | 5,246 |
| Average equity | $3,490,250 | 5,308 |
| Average total loans | $17,373,250 | 5,201 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9513% | 3,923 |
| Cost of funding earning assets | 0.6259% | 2,067 |
| Net interest margin | 3.3254% | 4,176 |
| Noninterest income to average assets | 0.7174% | 1,805 |
| Noninterest expense to average assets | 3.6402% | 832 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.0735% | 5,370 |
| Return on assets (ROA) | -0.0903% | 5,368 |
| Pretax return on assets | -0.1488% | 5,384 |
| Return on Equity (ROE) | -0.9697% | 5,375 |
| Retained earnings to average equity (ytd only) | -2.3386% | 5,177 |
| Net charge-offs to loans | -0.0454% | 4,890 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.6309% | 131 |
| Assets per employee ($millions) | 3.1747% | 4,953 |
| Cash dividends to net income (ytd only)* | -141.1765% | 5,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3889% | 280 |
| Loan loss allowance to noncurrent loans | 91.1364% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 1.6432% | 762 |
| Noncurrent loans to loans | 2.6212% | 474 |
| Net loans and leases to total assets | 43.0098% | 4,950 |
| Net loans and leases to deposits | 47.4021% | 5,048 |
| Net loans and leases to core deposits | 47.8800% | 5,102 |
| Total domestic deposits to total assets | 90.7339% | 316 |
| Equity capital to assets | 9.0272% | 4,535 |
| Core capital (leverage) ratio | 8.7995% | 4,883 |
| Tier 1 risk-based capital ratio | 14.5961% | 3,071 |
| Total risk-based capital ratio | 15.8505% | 2,986 |
| Memoranda: |
| Average total assets | $37,635,330 | 5,261 |
| Average earning assets | $31,635,330 | 5,309 |
| Average equity | $3,506,330 | 5,368 |
| Average total loans | $17,609,000 | 5,251 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7695% | 4,301 |
| Cost of funding earning assets | 0.5799% | 2,173 |
| Net interest margin | 3.1896% | 4,500 |
| Noninterest income to average assets | 0.6737% | 1,942 |
| Noninterest expense to average assets | 4.0315% | 508 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.4902% | 5,492 |
| Return on assets (ROA) | -0.5240% | 5,495 |
| Pretax return on assets | -0.6951% | 5,515 |
| Return on Equity (ROE) | -5.5367% | 5,505 |
| Retained earnings to average equity (ytd only) | -5.5367% | 5,229 |
| Net charge-offs to loans | -0.0666% | 5,088 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.3038% | 68 |
| Assets per employee ($millions) | 3.3576% | 4,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2435% | 361 |
| Loan loss allowance to noncurrent loans | 32.6264% | 4,764 |
| Noncurrent assets plus other real estate owned to assets | 3.5045% | 205 |
| Noncurrent loans to loans | 6.8764% | 73 |
| Net loans and leases to total assets | 43.2578% | 4,932 |
| Net loans and leases to deposits | 47.3769% | 5,060 |
| Net loans and leases to core deposits | 47.8241% | 5,105 |
| Total domestic deposits to total assets | 91.3058% | 225 |
| Equity capital to assets | 8.5999% | 4,901 |
| Core capital (leverage) ratio | 8.9263% | 4,766 |
| Tier 1 risk-based capital ratio | 14.4624% | 3,140 |
| Total risk-based capital ratio | 15.7155% | 3,050 |
| Memoranda: |
| Average total assets | $37,405,000 | 5,322 |
| Average earning assets | $31,728,500 | 5,360 |
| Average equity | $3,540,000 | 5,418 |
| Average total loans | $18,020,500 | 5,297 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8346% | 3,932 |
| Cost of funding earning assets | 0.4060% | 3,194 |
| Net interest margin | 3.4286% | 3,760 |
| Noninterest income to average assets | 0.9995% | 1,019 |
| Noninterest expense to average assets | 3.8252% | 675 |
| Loan and lease loss provision to assets | 0.1756% | 1,238 |
| Net operating income to assets | -0.0243% | 5,383 |
| Return on assets (ROA) | -0.0243% | 5,385 |
| Pretax return on assets | -0.1270% | 5,475 |
| Return on Equity (ROE) | -0.2464% | 5,386 |
| Retained earnings to average equity (ytd only) | -2.0537% | 5,286 |
| Net charge-offs to loans | 0.0054% | 3,898 |
| Credit loss provision to net charge-offs | 6,500.0000% | 56 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 2,098 |
| Efficiency ratio | 98.7448% | 192 |
| Assets per employee ($millions) | 2.4656% | 5,469 |
| Cash dividends to net income (ytd only)* | -733.3333% | 5,660 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1799% | 386 |
| Loan loss allowance to noncurrent loans | 38.4690% | 4,724 |
| Noncurrent assets plus other real estate owned to assets | 3.5285% | 189 |
| Noncurrent loans to loans | 5.6666% | 102 |
| Net loans and leases to total assets | 51.6093% | 4,544 |
| Net loans and leases to deposits | 57.8278% | 4,697 |
| Net loans and leases to core deposits | 58.4769% | 4,830 |
| Total domestic deposits to total assets | 89.2465% | 890 |
| Equity capital to assets | 10.4725% | 3,193 |
| Core capital (leverage) ratio | 9.9153% | 3,562 |
| Tier 1 risk-based capital ratio | 14.6915% | 2,996 |
| Total risk-based capital ratio | 15.9459% | 2,925 |
| Memoranda: |
| Average total assets | $37,017,800 | 5,379 |
| Average earning assets | $31,033,400 | 5,423 |
| Average equity | $3,652,000 | 5,465 |
| Average total loans | $18,591,400 | 5,341 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8105% | 3,970 |
| Cost of funding earning assets | 0.4069% | 3,115 |
| Net interest margin | 3.4036% | 3,838 |
| Noninterest income to average assets | 1.0413% | 939 |
| Noninterest expense to average assets | 3.8714% | 618 |
| Loan and lease loss provision to assets | 0.2302% | 790 |
| Net operating income to assets | -0.0885% | 5,547 |
| Return on assets (ROA) | -0.0885% | 5,550 |
| Pretax return on assets | -0.2161% | 5,580 |
| Return on Equity (ROE) | -0.9103% | 5,554 |
| Retained earnings to average equity (ytd only) | -3.0591% | 5,491 |
| Net charge-offs to loans | -0.0285% | 4,982 |
| Credit loss provision to net charge-offs | -1,625.0000% | 5,033 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6354% | 184 |
| Assets per employee ($millions) | 2.6091% | 5,480 |
| Cash dividends to net income (ytd only)* | -236.0036% | 5,733 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1465% | 442 |
| Loan loss allowance to noncurrent loans | 36.7123% | 4,830 |
| Noncurrent assets plus other real estate owned to assets | 3.6985% | 191 |
| Noncurrent loans to loans | 5.8469% | 107 |
| Net loans and leases to total assets | 50.1697% | 4,685 |
| Net loans and leases to deposits | 55.8907% | 4,881 |
| Net loans and leases to core deposits | 56.4798% | 4,975 |
| Total domestic deposits to total assets | 89.7640% | 555 |
| Equity capital to assets | 10.0252% | 3,883 |
| Core capital (leverage) ratio | 9.4697% | 4,204 |
| Tier 1 risk-based capital ratio | 14.3192% | 3,287 |
| Total risk-based capital ratio | 15.5697% | 3,190 |
| Memoranda: |
| Average total assets | $37,642,500 | 5,427 |
| Average earning assets | $31,456,000 | 5,474 |
| Average equity | $3,661,250 | 5,526 |
| Average total loans | $18,686,250 | 5,398 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8228% | 3,813 |
| Cost of funding earning assets | 0.3905% | 3,173 |
| Net interest margin | 3.4323% | 3,661 |
| Noninterest income to average assets | 1.0470% | 931 |
| Noninterest expense to average assets | 4.0985% | 471 |
| Loan and lease loss provision to assets | 0.3420% | 427 |
| Net operating income to assets | -0.3157% | 5,651 |
| Return on assets (ROA) | -0.3157% | 5,651 |
| Pretax return on assets | -0.5261% | 5,674 |
| Return on Equity (ROE) | -3.2778% | 5,656 |
| Retained earnings to average equity (ytd only) | -4.9167% | 5,534 |
| Net charge-offs to loans | 0.0107% | 3,079 |
| Credit loss provision to net charge-offs | 6,500.0000% | 57 |
| Earnings coverage of net charge-offs (x) | -35.0000% | 3,502 |
| Efficiency ratio | 104.7043% | 141 |
| Assets per employee ($millions) | 2.7251% | 5,463 |
| Cash dividends to net income (ytd only)* | -50.0000% | 5,774 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1936% | 444 |
| Loan loss allowance to noncurrent loans | 36.3220% | 4,849 |
| Noncurrent assets plus other real estate owned to assets | 4.0104% | 170 |
| Noncurrent loans to loans | 6.0393% | 100 |
| Net loans and leases to total assets | 46.3972% | 4,929 |
| Net loans and leases to deposits | 51.3981% | 5,082 |
| Net loans and leases to core deposits | 51.9106% | 5,150 |
| Total domestic deposits to total assets | 90.2702% | 437 |
| Equity capital to assets | 9.5882% | 4,325 |
| Core capital (leverage) ratio | 8.9771% | 4,751 |
| Tier 1 risk-based capital ratio | 14.2293% | 3,294 |
| Total risk-based capital ratio | 15.4819% | 3,214 |
| Memoranda: |
| Average total assets | $38,014,000 | 5,464 |
| Average earning assets | $31,756,670 | 5,511 |
| Average equity | $3,661,000 | 5,565 |
| Average total loans | $18,672,330 | 5,444 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7547% | 3,915 |
| Cost of funding earning assets | 0.3576% | 3,449 |
| Net interest margin | 3.3971% | 3,661 |
| Noninterest income to average assets | 0.6114% | 2,365 |
| Noninterest expense to average assets | 3.7211% | 753 |
| Loan and lease loss provision to assets | 0.6852% | 149 |
| Net operating income to assets | -0.6325% | 5,756 |
| Return on assets (ROA) | -0.6325% | 5,755 |
| Pretax return on assets | -0.9909% | 5,772 |
| Return on Equity (ROE) | -6.5529% | 5,751 |
| Retained earnings to average equity (ytd only) | -6.5529% | 5,468 |
| Net charge-offs to loans | 0.0211% | 2,357 |
| Credit loss provision to net charge-offs | 6,500.0000% | 41 |
| Earnings coverage of net charge-offs (x) | -29.0000% | 2,930 |
| Efficiency ratio | 108.9506% | 138 |
| Assets per employee ($millions) | 2.9138% | 5,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2014% | 476 |
| Loan loss allowance to noncurrent loans | 34.0480% | 4,968 |
| Noncurrent assets plus other real estate owned to assets | 4.4248% | 153 |
| Noncurrent loans to loans | 6.4656% | 94 |
| Net loans and leases to total assets | 43.2354% | 5,083 |
| Net loans and leases to deposits | 47.5352% | 5,242 |
| Net loans and leases to core deposits | 47.9736% | 5,299 |
| Total domestic deposits to total assets | 90.9543% | 313 |
| Equity capital to assets | 8.9501% | 4,862 |
| Core capital (leverage) ratio | 9.1815% | 4,506 |
| Tier 1 risk-based capital ratio | 14.4710% | 3,219 |
| Total risk-based capital ratio | 15.7239% | 3,144 |
| Memoranda: |
| Average total assets | $37,945,500 | 5,526 |
| Average earning assets | $31,321,000 | 5,591 |
| Average equity | $3,662,500 | 5,625 |
| Average total loans | $18,959,500 | 5,499 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9693% | 3,314 |
| Cost of funding earning assets | 0.2705% | 4,361 |
| Net interest margin | 3.6988% | 2,698 |
| Noninterest income to average assets | 0.7140% | 2,105 |
| Noninterest expense to average assets | 3.6978% | 888 |
| Loan and lease loss provision to assets | 0.0299% | 3,754 |
| Net operating income to assets | 0.1195% | 5,541 |
| Return on assets (ROA) | 0.1222% | 5,565 |
| Pretax return on assets | 0.0706% | 5,618 |
| Return on Equity (ROE) | 1.2006% | 5,533 |
| Retained earnings to average equity (ytd only) | 0.4536% | 5,144 |
| Net charge-offs to loans | -0.0052% | 4,818 |
| Credit loss provision to net charge-offs | -1,100.0000% | 5,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4249% | 270 |
| Assets per employee ($millions) | 2.5070% | 5,656 |
| Cash dividends to net income (ytd only)* | 62.2222% | 1,658 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6746% | 1,188 |
| Loan loss allowance to noncurrent loans | 50.9954% | 4,655 |
| Noncurrent assets plus other real estate owned to assets | 3.8920% | 199 |
| Noncurrent loans to loans | 3.2839% | 376 |
| Net loans and leases to total assets | 55.7069% | 4,294 |
| Net loans and leases to deposits | 63.7039% | 4,435 |
| Net loans and leases to core deposits | 64.4133% | 4,612 |
| Total domestic deposits to total assets | 87.4466% | 1,904 |
| Equity capital to assets | 10.4678% | 3,191 |
| Core capital (leverage) ratio | 10.2853% | 3,124 |
| Tier 1 risk-based capital ratio | 14.2499% | 3,316 |
| Total risk-based capital ratio | 15.4965% | 3,246 |
| Memoranda: |
| Average total assets | $36,833,200 | 5,597 |
| Average earning assets | $30,685,800 | 5,650 |
| Average equity | $3,748,000 | 5,669 |
| Average total loans | $19,104,000 | 5,545 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8991% | 3,584 |
| Cost of funding earning assets | 0.2659% | 4,433 |
| Net interest margin | 3.6331% | 2,955 |
| Noninterest income to average assets | 0.7155% | 2,098 |
| Noninterest expense to average assets | 3.6242% | 964 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1360% | 5,577 |
| Return on assets (ROA) | 0.1360% | 5,631 |
| Pretax return on assets | 0.1217% | 5,653 |
| Return on Equity (ROE) | 1.3453% | 5,592 |
| Retained earnings to average equity (ytd only) | 0.8496% | 5,126 |
| Net charge-offs to loans | 0.0070% | 3,669 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 34.0827% | 1,371 |
| Efficiency ratio | 96.7526% | 293 |
| Assets per employee ($millions) | 2.5518% | 5,703 |
| Cash dividends to net income (ytd only)* | 36.8463% | 2,489 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7178% | 1,177 |
| Loan loss allowance to noncurrent loans | 33.5782% | 5,110 |
| Noncurrent assets plus other real estate owned to assets | 4.4451% | 178 |
| Noncurrent loans to loans | 5.1157% | 160 |
| Net loans and leases to total assets | 51.2498% | 4,712 |
| Net loans and leases to deposits | 57.6989% | 4,895 |
| Net loans and leases to core deposits | 58.3182% | 5,032 |
| Total domestic deposits to total assets | 88.8230% | 999 |
| Equity capital to assets | 10.7180% | 3,338 |
| Core capital (leverage) ratio | 9.9373% | 3,653 |
| Tier 1 risk-based capital ratio | 14.1307% | 3,489 |
| Total risk-based capital ratio | 15.3492% | 3,428 |
| Memoranda: |
| Average total assets | $37,267,000 | 5,652 |
| Average earning assets | $31,083,500 | 5,704 |
| Average equity | $3,766,500 | 5,733 |
| Average total loans | $18,908,750 | 5,604 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8264% | 3,863 |
| Cost of funding earning assets | 0.2706% | 4,432 |
| Net interest margin | 3.5558% | 3,277 |
| Noninterest income to average assets | 0.6247% | 2,486 |
| Noninterest expense to average assets | 3.8114% | 757 |
| Loan and lease loss provision to assets | -0.0159% | 5,776 |
| Net operating income to assets | -0.0847% | 5,807 |
| Return on assets (ROA) | -0.0847% | 5,825 |
| Pretax return on assets | -0.1800% | 5,853 |
| Return on Equity (ROE) | -0.8543% | 5,833 |
| Retained earnings to average equity (ytd only) | -0.8543% | 5,421 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.4173% | 179 |
| Assets per employee ($millions) | 2.7042% | 5,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7557% | 1,170 |
| Loan loss allowance to noncurrent loans | 64.6341% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 2.9768% | 414 |
| Noncurrent loans to loans | 2.7164% | 597 |
| Net loans and leases to total assets | 47.0007% | 5,065 |
| Net loans and leases to deposits | 52.4124% | 5,232 |
| Net loans and leases to core deposits | 52.9363% | 5,323 |
| Total domestic deposits to total assets | 89.6748% | 601 |
| Equity capital to assets | 10.0029% | 4,222 |
| Core capital (leverage) ratio | 9.2167% | 4,568 |
| Tier 1 risk-based capital ratio | 14.8377% | 3,145 |
| Total risk-based capital ratio | 16.0867% | 3,089 |
| Memoranda: |
| Average total assets | $37,781,000 | 5,707 |
| Average earning assets | $31,779,000 | 5,757 |
| Average equity | $3,745,670 | 5,802 |
| Average total loans | $19,002,000 | 5,666 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8134% | 3,896 |
| Cost of funding earning assets | 0.2643% | 4,557 |
| Net interest margin | 3.5491% | 3,283 |
| Noninterest income to average assets | 0.5935% | 2,571 |
| Noninterest expense to average assets | 3.8790% | 705 |
| Loan and lease loss provision to assets | 0.0636% | 2,683 |
| Net operating income to assets | -0.2014% | 5,885 |
| Return on assets (ROA) | -0.2014% | 5,897 |
| Pretax return on assets | -0.3603% | 5,928 |
| Return on Equity (ROE) | -2.0403% | 5,909 |
| Retained earnings to average equity (ytd only) | -2.0403% | 5,390 |
| Net charge-offs to loans | 0.0206% | 2,528 |
| Credit loss provision to net charge-offs | 600.0000% | 524 |
| Earnings coverage of net charge-offs (x) | -28.0000% | 3,084 |
| Efficiency ratio | 108.2840% | 175 |
| Assets per employee ($millions) | 2.8646% | 5,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6547% | 1,469 |
| Loan loss allowance to noncurrent loans | 75.4630% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 2.7927% | 483 |
| Noncurrent loans to loans | 2.1928% | 933 |
| Net loans and leases to total assets | 48.3107% | 4,947 |
| Net loans and leases to deposits | 53.3982% | 5,141 |
| Net loans and leases to core deposits | 53.8958% | 5,262 |
| Total domestic deposits to total assets | 90.4725% | 441 |
| Equity capital to assets | 9.3106% | 4,878 |
| Core capital (leverage) ratio | 8.8644% | 5,008 |
| Tier 1 risk-based capital ratio | 14.0226% | 3,678 |
| Total risk-based capital ratio | 15.2733% | 3,606 |
| Memoranda: |
| Average total assets | $37,742,000 | 5,765 |
| Average earning assets | $31,783,000 | 5,818 |
| Average equity | $3,725,000 | 5,853 |
| Average total loans | $19,447,000 | 5,700 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0292% | 3,203 |
| Cost of funding earning assets | 0.2372% | 4,923 |
| Net interest margin | 3.7920% | 2,401 |
| Noninterest income to average assets | 0.7924% | 1,816 |
| Noninterest expense to average assets | 3.6446% | 1,049 |
| Loan and lease loss provision to assets | 0.1767% | 1,285 |
| Net operating income to assets | 0.1491% | 5,677 |
| Return on assets (ROA) | 0.1739% | 5,685 |
| Pretax return on assets | 0.1739% | 5,718 |
| Return on Equity (ROE) | 1.6819% | 5,650 |
| Retained earnings to average equity (ytd only) | 0.7208% | 5,227 |
| Net charge-offs to loans | 0.1300% | 2,070 |
| Credit loss provision to net charge-offs | 266.6667% | 1,084 |
| Earnings coverage of net charge-offs (x) | 4.9167% | 3,468 |
| Efficiency ratio | 91.7942% | 582 |
| Assets per employee ($millions) | 2.5271% | 5,879 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,898 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6725% | 1,410 |
| Loan loss allowance to noncurrent loans | 73.4554% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 3.2703% | 386 |
| Noncurrent loans to loans | 2.2769% | 846 |
| Net loans and leases to total assets | 53.3424% | 4,557 |
| Net loans and leases to deposits | 59.7310% | 4,793 |
| Net loans and leases to core deposits | 60.3692% | 4,958 |
| Total domestic deposits to total assets | 89.3044% | 962 |
| Equity capital to assets | 10.5034% | 3,355 |
| Core capital (leverage) ratio | 10.5838% | 2,839 |
| Tier 1 risk-based capital ratio | 15.6136% | 2,874 |
| Total risk-based capital ratio | 16.8646% | 2,811 |
| Memoranda: |
| Average total assets | $36,217,600 | 5,847 |
| Average earning assets | $30,353,200 | 5,896 |
| Average equity | $3,745,800 | 5,898 |
| Average total loans | $18,463,200 | 5,781 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0752% | 3,042 |
| Cost of funding earning assets | 0.2430% | 4,960 |
| Net interest margin | 3.8321% | 2,261 |
| Noninterest income to average assets | 0.7430% | 2,055 |
| Noninterest expense to average assets | 3.6968% | 983 |
| Loan and lease loss provision to assets | 0.1062% | 2,098 |
| Net operating income to assets | 0.1594% | 5,754 |
| Return on assets (ROA) | 0.1867% | 5,759 |
| Pretax return on assets | 0.2013% | 5,787 |
| Return on Equity (ROE) | 1.8118% | 5,708 |
| Retained earnings to average equity (ytd only) | 1.8118% | 4,972 |
| Net charge-offs to loans | 0.1823% | 1,394 |
| Credit loss provision to net charge-offs | 116.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 3.0402% | 3,565 |
| Efficiency ratio | 93.0018% | 525 |
| Assets per employee ($millions) | 2.4597% | 5,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5040% | 2,141 |
| Loan loss allowance to noncurrent loans | 71.6080% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 3.3831% | 391 |
| Noncurrent loans to loans | 2.1003% | 1,075 |
| Net loans and leases to total assets | 54.2020% | 4,546 |
| Net loans and leases to deposits | 61.4972% | 4,758 |
| Net loans and leases to core deposits | 62.1794% | 4,927 |
| Total domestic deposits to total assets | 88.1374% | 1,486 |
| Equity capital to assets | 11.0204% | 3,003 |
| Core capital (leverage) ratio | 10.2585% | 3,301 |
| Tier 1 risk-based capital ratio | 15.4657% | 3,068 |
| Total risk-based capital ratio | 16.6535% | 3,016 |
| Memoranda: |
| Average total assets | $36,427,250 | 5,918 |
| Average earning assets | $30,722,000 | 5,967 |
| Average equity | $3,753,250 | 5,977 |
| Average total loans | $18,280,750 | 5,860 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9872% | 3,346 |
| Cost of funding earning assets | 0.2420% | 5,031 |
| Net interest margin | 3.7451% | 2,527 |
| Noninterest income to average assets | 0.6632% | 2,396 |
| Noninterest expense to average assets | 3.7098% | 977 |
| Loan and lease loss provision to assets | 0.1186% | 1,867 |
| Net operating income to assets | 0.0377% | 5,953 |
| Return on assets (ROA) | 0.0377% | 5,995 |
| Pretax return on assets | 0.0054% | 6,011 |
| Return on Equity (ROE) | 0.3744% | 5,984 |
| Retained earnings to average equity (ytd only) | 0.3744% | 5,395 |
| Net charge-offs to loans | 0.2769% | 951 |
| Credit loss provision to net charge-offs | 88.0000% | 2,232 |
| Earnings coverage of net charge-offs (x) | 0.9200% | 3,602 |
| Efficiency ratio | 96.7651% | 413 |
| Assets per employee ($millions) | 2.7841% | 5,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4981% | 2,306 |
| Loan loss allowance to noncurrent loans | 68.8119% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 3.2382% | 475 |
| Noncurrent loans to loans | 2.1771% | 1,102 |
| Net loans and leases to total assets | 50.5042% | 4,882 |
| Net loans and leases to deposits | 59.6593% | 4,880 |
| Net loans and leases to core deposits | 63.0006% | 4,877 |
| Total domestic deposits to total assets | 84.6545% | 3,268 |
| Equity capital to assets | 10.2672% | 3,725 |
| Core capital (leverage) ratio | 9.5129% | 4,264 |
| Tier 1 risk-based capital ratio | 15.5926% | 3,050 |
| Total risk-based capital ratio | 16.7744% | 3,039 |
| Memoranda: |
| Average total assets | $37,091,000 | 5,967 |
| Average earning assets | $31,400,670 | 6,017 |
| Average equity | $3,739,330 | 6,041 |
| Average total loans | $18,057,670 | 5,921 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9440% | 3,441 |
| Cost of funding earning assets | 0.2520% | 5,001 |
| Net interest margin | 3.6920% | 2,649 |
| Noninterest income to average assets | 0.6606% | 2,358 |
| Noninterest expense to average assets | 3.6974% | 1,016 |
| Loan and lease loss provision to assets | 0.0320% | 3,249 |
| Net operating income to assets | 0.0533% | 5,950 |
| Return on assets (ROA) | 0.0533% | 5,995 |
| Pretax return on assets | 0.0533% | 5,993 |
| Return on Equity (ROE) | 0.5332% | 5,983 |
| Retained earnings to average equity (ytd only) | 0.5332% | 5,213 |
| Net charge-offs to loans | -0.0225% | 5,096 |
| Credit loss provision to net charge-offs | -300.0000% | 4,704 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7465% | 441 |
| Assets per employee ($millions) | 2.9889% | 5,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5914% | 2,080 |
| Loan loss allowance to noncurrent loans | 46.3415% | 5,123 |
| Noncurrent assets plus other real estate owned to assets | 3.3740% | 508 |
| Noncurrent loans to loans | 3.4340% | 565 |
| Net loans and leases to total assets | 45.3572% | 5,247 |
| Net loans and leases to deposits | 50.4812% | 5,423 |
| Net loans and leases to core deposits | 56.3265% | 5,233 |
| Total domestic deposits to total assets | 89.8497% | 815 |
| Equity capital to assets | 9.7591% | 4,422 |
| Core capital (leverage) ratio | 9.3298% | 4,521 |
| Tier 1 risk-based capital ratio | 17.7257% | 2,229 |
| Total risk-based capital ratio | 19.2419% | 2,092 |
| Memoranda: |
| Average total assets | $37,540,000 | 6,016 |
| Average earning assets | $31,744,500 | 6,066 |
| Average equity | $3,751,000 | 6,098 |
| Average total loans | $17,808,000 | 5,988 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8646% | 4,270 |
| Cost of funding earning assets | 0.2800% | 5,001 |
| Net interest margin | 3.5846% | 3,461 |
| Noninterest income to average assets | 1.7217% | 433 |
| Noninterest expense to average assets | 3.6915% | 1,171 |
| Loan and lease loss provision to assets | 0.1163% | 2,233 |
| Net operating income to assets | 0.7619% | 3,558 |
| Return on assets (ROA) | 0.7704% | 3,620 |
| Pretax return on assets | 0.9358% | 3,759 |
| Return on Equity (ROE) | 8.2994% | 2,966 |
| Retained earnings to average equity (ytd only) | 4.9852% | 2,611 |
| Net charge-offs to loans | 0.2370% | 1,782 |
| Credit loss provision to net charge-offs | 115.3846% | 2,066 |
| Earnings coverage of net charge-offs (x) | 10.3333% | 2,621 |
| Efficiency ratio | 77.9902% | 2,214 |
| Assets per employee ($millions) | 2.7865% | 5,947 |
| Cash dividends to net income (ytd only)* | 39.9329% | 2,851 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5869% | 2,138 |
| Loan loss allowance to noncurrent loans | 67.5481% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 3.0698% | 648 |
| Noncurrent loans to loans | 2.3494% | 1,106 |
| Net loans and leases to total assets | 48.1062% | 5,142 |
| Net loans and leases to deposits | 60.0276% | 4,898 |
| Net loans and leases to core deposits | 63.5753% | 4,867 |
| Total domestic deposits to total assets | 80.1402% | 4,978 |
| Equity capital to assets | 10.2418% | 3,800 |
| Core capital (leverage) ratio | 9.8300% | 3,798 |
| Tier 1 risk-based capital ratio | 16.0285% | 2,949 |
| Total risk-based capital ratio | 17.2568% | 2,904 |
| Memoranda: |
| Average total assets | $38,683,200 | 6,064 |
| Average earning assets | $32,499,800 | 6,131 |
| Average equity | $3,590,600 | 6,162 |
| Average total loans | $16,454,600 | 6,108 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8198% | 4,472 |
| Cost of funding earning assets | 0.2740% | 5,167 |
| Net interest margin | 3.5458% | 3,643 |
| Noninterest income to average assets | 2.0459% | 332 |
| Noninterest expense to average assets | 3.7456% | 1,047 |
| Loan and lease loss provision to assets | 0.0679% | 2,985 |
| Net operating income to assets | 0.8536% | 3,154 |
| Return on assets (ROA) | 0.8584% | 3,226 |
| Pretax return on assets | 1.2248% | 2,673 |
| Return on Equity (ROE) | 9.4733% | 2,460 |
| Retained earnings to average equity (ytd only) | 8.1629% | 1,285 |
| Net charge-offs to loans | 0.3469% | 1,160 |
| Credit loss provision to net charge-offs | 47.6190% | 3,145 |
| Earnings coverage of net charge-offs (x) | 9.0236% | 2,724 |
| Efficiency ratio | 74.4437% | 2,751 |
| Assets per employee ($millions) | 2.8822% | 5,871 |
| Cash dividends to net income (ytd only)* | 13.8355% | 3,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5497% | 2,502 |
| Loan loss allowance to noncurrent loans | 72.9107% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 2.8744% | 841 |
| Noncurrent loans to loans | 2.1254% | 1,465 |
| Net loans and leases to total assets | 42.8968% | 5,606 |
| Net loans and leases to deposits | 52.3619% | 5,513 |
| Net loans and leases to core deposits | 55.2755% | 5,489 |
| Total domestic deposits to total assets | 81.9237% | 4,505 |
| Equity capital to assets | 9.8401% | 4,379 |
| Core capital (leverage) ratio | 9.6842% | 4,104 |
| Tier 1 risk-based capital ratio | 15.9931% | 3,061 |
| Total risk-based capital ratio | 17.0855% | 3,079 |
| Memoranda: |
| Average total assets | $39,298,000 | 6,127 |
| Average earning assets | $33,090,250 | 6,189 |
| Average equity | $3,560,750 | 6,235 |
| Average total loans | $16,141,500 | 6,188 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7779% | 4,599 |
| Cost of funding earning assets | 0.2737% | 5,250 |
| Net interest margin | 3.5042% | 3,770 |
| Noninterest income to average assets | 2.6060% | 229 |
| Noninterest expense to average assets | 3.8639% | 892 |
| Loan and lease loss provision to assets | 0.1002% | 2,351 |
| Net operating income to assets | 1.0857% | 1,988 |
| Return on assets (ROA) | 1.0925% | 2,030 |
| Pretax return on assets | 1.6037% | 1,246 |
| Return on Equity (ROE) | 12.3910% | 1,335 |
| Retained earnings to average equity (ytd only) | 10.4017% | 634 |
| Net charge-offs to loans | 0.5100% | 795 |
| Credit loss provision to net charge-offs | 48.7805% | 2,810 |
| Earnings coverage of net charge-offs (x) | 8.2439% | 2,522 |
| Efficiency ratio | 69.5221% | 3,734 |
| Assets per employee ($millions) | 3.0978% | 5,599 |
| Cash dividends to net income (ytd only)* | 16.0550% | 3,296 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6421% | 2,318 |
| Loan loss allowance to noncurrent loans | 100.3953% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 2.4409% | 1,177 |
| Noncurrent loans to loans | 1.6356% | 2,126 |
| Net loans and leases to total assets | 37.7781% | 5,974 |
| Net loans and leases to deposits | 41.7439% | 6,077 |
| Net loans and leases to core deposits | 44.2924% | 6,052 |
| Total domestic deposits to total assets | 90.4996% | 589 |
| Equity capital to assets | 9.1081% | 5,197 |
| Core capital (leverage) ratio | 8.7158% | 5,377 |
| Tier 1 risk-based capital ratio | 17.9458% | 2,265 |
| Total risk-based capital ratio | 19.1875% | 2,233 |
| Memoranda: |
| Average total assets | $39,907,670 | 6,175 |
| Average earning assets | $33,616,670 | 6,232 |
| Average equity | $3,518,670 | 6,291 |
| Average total loans | $16,080,000 | 6,236 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7964% | 4,497 |
| Cost of funding earning assets | 0.2754% | 5,329 |
| Net interest margin | 3.5209% | 3,596 |
| Noninterest income to average assets | 4.6318% | 128 |
| Noninterest expense to average assets | 3.6853% | 1,155 |
| Loan and lease loss provision to assets | 0.2014% | 1,157 |
| Net operating income to assets | 2.3864% | 180 |
| Return on assets (ROA) | 2.3864% | 190 |
| Pretax return on assets | 3.7054% | 95 |
| Return on Equity (ROE) | 27.5261% | 85 |
| Retained earnings to average equity (ytd only) | 26.4808% | 51 |
| Net charge-offs to loans | 0.6103% | 609 |
| Credit loss provision to net charge-offs | 80.0000% | 1,901 |
| Earnings coverage of net charge-offs (x) | 15.5200% | 1,545 |
| Efficiency ratio | 48.5411% | 6,332 |
| Assets per employee ($millions) | 3.3207% | 5,309 |
| Cash dividends to net income (ytd only)* | 3.7975% | 2,787 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6608% | 2,468 |
| Loan loss allowance to noncurrent loans | 105.8824% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 2.4647% | 1,301 |
| Noncurrent loans to loans | 1.5686% | 2,464 |
| Net loans and leases to total assets | 37.0335% | 6,015 |
| Net loans and leases to deposits | 40.5947% | 6,152 |
| Net loans and leases to core deposits | 44.0607% | 6,074 |
| Total domestic deposits to total assets | 91.2275% | 475 |
| Equity capital to assets | 8.3532% | 5,781 |
| Core capital (leverage) ratio | 8.9581% | 5,074 |
| Tier 1 risk-based capital ratio | 15.8561% | 3,240 |
| Total risk-based capital ratio | 17.0100% | 3,261 |
| Memoranda: |
| Average total assets | $39,725,500 | 6,242 |
| Average earning assets | $33,400,500 | 6,301 |
| Average equity | $3,444,000 | 6,350 |
| Average total loans | $16,386,000 | 6,289 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9708% | 4,195 |
| Cost of funding earning assets | 0.3649% | 5,002 |
| Net interest margin | 3.6058% | 3,444 |
| Noninterest income to average assets | 0.8631% | 1,814 |
| Noninterest expense to average assets | 3.6963% | 1,290 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1398% | 5,960 |
| Return on assets (ROA) | 0.1968% | 5,898 |
| Pretax return on assets | 0.2807% | 5,779 |
| Return on Equity (ROE) | 2.1744% | 5,777 |
| Retained earnings to average equity (ytd only) | 1.5076% | 5,139 |
| Net charge-offs to loans | -0.0720% | 6,413 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8822% | 706 |
| Assets per employee ($millions) | 2.5916% | 6,324 |
| Cash dividends to net income (ytd only)* | 30.6667% | 3,257 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6652% | 2,517 |
| Loan loss allowance to noncurrent loans | 120.0873% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 2.7893% | 1,177 |
| Noncurrent loans to loans | 1.3866% | 2,818 |
| Net loans and leases to total assets | 44.7605% | 5,605 |
| Net loans and leases to deposits | 50.9378% | 5,698 |
| Net loans and leases to core deposits | 56.4006% | 5,504 |
| Total domestic deposits to total assets | 87.8728% | 2,256 |
| Equity capital to assets | 9.0458% | 4,971 |
| Core capital (leverage) ratio | 9.4070% | 4,406 |
| Tier 1 risk-based capital ratio | 15.1110% | 3,604 |
| Total risk-based capital ratio | 16.3054% | 3,577 |
| Memoranda: |
| Average total assets | $38,119,400 | 6,341 |
| Average earning assets | $32,059,400 | 6,396 |
| Average equity | $3,449,200 | 6,444 |
| Average total loans | $16,665,400 | 6,336 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9374% | 4,359 |
| Cost of funding earning assets | 0.3765% | 5,034 |
| Net interest margin | 3.5609% | 3,615 |
| Noninterest income to average assets | 0.8709% | 1,855 |
| Noninterest expense to average assets | 3.7083% | 1,232 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1624% | 6,014 |
| Return on assets (ROA) | 0.1624% | 6,079 |
| Pretax return on assets | 0.1694% | 6,095 |
| Return on Equity (ROE) | 1.7952% | 6,003 |
| Retained earnings to average equity (ytd only) | 1.7952% | 5,243 |
| Net charge-offs to loans | -0.0639% | 6,380 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6328% | 642 |
| Assets per employee ($millions) | 2.6184% | 6,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6645% | 2,752 |
| Loan loss allowance to noncurrent loans | 67.0792% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 3.2190% | 1,106 |
| Noncurrent loans to loans | 2.4814% | 1,750 |
| Net loans and leases to total assets | 43.6752% | 5,750 |
| Net loans and leases to deposits | 48.2985% | 5,941 |
| Net loans and leases to core deposits | 52.8156% | 5,844 |
| Total domestic deposits to total assets | 90.4275% | 774 |
| Equity capital to assets | 9.3434% | 4,752 |
| Core capital (leverage) ratio | 9.1726% | 4,874 |
| Tier 1 risk-based capital ratio | 14.9292% | 3,801 |
| Total risk-based capital ratio | 16.0918% | 3,809 |
| Memoranda: |
| Average total assets | $38,578,750 | 6,399 |
| Average earning assets | $32,575,500 | 6,456 |
| Average equity | $3,491,000 | 6,509 |
| Average total loans | $16,703,000 | 6,404 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8290% | 4,735 |
| Cost of funding earning assets | 0.3781% | 5,161 |
| Net interest margin | 3.4509% | 4,001 |
| Noninterest income to average assets | 0.7700% | 2,324 |
| Noninterest expense to average assets | 3.7940% | 1,105 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.0255% | 6,329 |
| Return on assets (ROA) | -0.0255% | 6,387 |
| Pretax return on assets | -0.0918% | 6,427 |
| Return on Equity (ROE) | -0.2847% | 6,393 |
| Retained earnings to average equity (ytd only) | -0.2847% | 5,913 |
| Net charge-offs to loans | -0.0950% | 6,490 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.4793% | 411 |
| Assets per employee ($millions) | 2.7664% | 6,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6049% | 3,142 |
| Loan loss allowance to noncurrent loans | 79.7059% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 2.9435% | 1,384 |
| Noncurrent loans to loans | 2.0135% | 2,384 |
| Net loans and leases to total assets | 42.8996% | 5,828 |
| Net loans and leases to deposits | 47.0747% | 6,042 |
| Net loans and leases to core deposits | 51.1798% | 5,947 |
| Total domestic deposits to total assets | 91.1309% | 503 |
| Equity capital to assets | 8.6987% | 5,553 |
| Core capital (leverage) ratio | 8.2468% | 5,961 |
| Tier 1 risk-based capital ratio | 14.4057% | 4,157 |
| Total risk-based capital ratio | 15.5439% | 4,183 |
| Memoranda: |
| Average total assets | $39,219,330 | 6,427 |
| Average earning assets | $33,324,670 | 6,488 |
| Average equity | $3,513,000 | 6,559 |
| Average total loans | $16,843,670 | 6,432 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7520% | 4,985 |
| Cost of funding earning assets | 0.3918% | 5,187 |
| Net interest margin | 3.3601% | 4,271 |
| Noninterest income to average assets | 0.6791% | 2,699 |
| Noninterest expense to average assets | 4.0341% | 853 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.2838% | 6,565 |
| Return on assets (ROA) | -0.2838% | 6,603 |
| Pretax return on assets | -0.4865% | 6,672 |
| Return on Equity (ROE) | -3.1241% | 6,617 |
| Retained earnings to average equity (ytd only) | -3.1241% | 6,202 |
| Net charge-offs to loans | -0.1189% | 6,513 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.7143% | 280 |
| Assets per employee ($millions) | 2.6625% | 6,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6265% | 3,290 |
| Loan loss allowance to noncurrent loans | 53.7074% | 4,994 |
| Noncurrent assets plus other real estate owned to assets | 2.9883% | 1,504 |
| Noncurrent loans to loans | 3.0285% | 1,658 |
| Net loans and leases to total assets | 38.0493% | 6,145 |
| Net loans and leases to deposits | 41.6512% | 6,340 |
| Net loans and leases to core deposits | 44.9152% | 6,267 |
| Total domestic deposits to total assets | 91.3521% | 396 |
| Equity capital to assets | 8.3709% | 6,129 |
| Core capital (leverage) ratio | 8.3402% | 5,776 |
| Tier 1 risk-based capital ratio | 14.9465% | 3,881 |
| Total risk-based capital ratio | 16.1161% | 3,893 |
| Memoranda: |
| Average total assets | $39,464,000 | 6,480 |
| Average earning assets | $33,689,000 | 6,536 |
| Average equity | $3,585,000 | 6,613 |
| Average total loans | $16,822,500 | 6,493 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3078% | 4,163 |
| Cost of funding earning assets | 0.5030% | 5,200 |
| Net interest margin | 3.8048% | 3,203 |
| Noninterest income to average assets | 0.9938% | 1,552 |
| Noninterest expense to average assets | 3.8633% | 1,146 |
| Loan and lease loss provision to assets | 0.1041% | 4,339 |
| Net operating income to assets | 0.2329% | 5,694 |
| Return on assets (ROA) | 0.3642% | 5,466 |
| Pretax return on assets | 0.3668% | 5,663 |
| Return on Equity (ROE) | 3.9728% | 5,154 |
| Retained earnings to average equity (ytd only) | 3.9728% | 3,407 |
| Net charge-offs to loans | 0.8247% | 1,413 |
| Credit loss provision to net charge-offs | 26.8456% | 5,173 |
| Earnings coverage of net charge-offs (x) | 0.8725% | 5,035 |
| Efficiency ratio | 91.9505% | 924 |
| Assets per employee ($millions) | 2.2705% | 6,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5319% | 3,606 |
| Loan loss allowance to noncurrent loans | 132.1608% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 3.0610% | 1,540 |
| Noncurrent loans to loans | 1.1591% | 3,913 |
| Net loans and leases to total assets | 46.5344% | 5,565 |
| Net loans and leases to deposits | 51.8574% | 5,817 |
| Net loans and leases to core deposits | 56.7777% | 5,651 |
| Total domestic deposits to total assets | 89.7352% | 1,103 |
| Equity capital to assets | 9.9207% | 4,279 |
| Core capital (leverage) ratio | 9.1337% | 4,683 |
| Tier 1 risk-based capital ratio | 14.6739% | 3,910 |
| Total risk-based capital ratio | 15.7906% | 3,958 |
| Memoranda: |
| Average total assets | $38,438,800 | 6,545 |
| Average earning assets | $32,406,200 | 6,596 |
| Average equity | $3,524,000 | 6,682 |
| Average total loans | $18,066,600 | 6,505 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3583% | 4,216 |
| Cost of funding earning assets | 0.5104% | 5,372 |
| Net interest margin | 3.8480% | 3,131 |
| Noninterest income to average assets | 0.8109% | 2,190 |
| Noninterest expense to average assets | 3.7980% | 1,211 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2191% | 5,867 |
| Return on assets (ROA) | 0.2361% | 6,005 |
| Pretax return on assets | 0.2840% | 5,987 |
| Return on Equity (ROE) | 2.6256% | 5,833 |
| Retained earnings to average equity (ytd only) | 2.6256% | 4,989 |
| Net charge-offs to loans | 0.5831% | 1,878 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.9625% | 4,839 |
| Efficiency ratio | 93.5131% | 807 |
| Assets per employee ($millions) | 2.3539% | 6,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6772% | 3,223 |
| Loan loss allowance to noncurrent loans | 67.2811% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 3.2154% | 1,602 |
| Noncurrent loans to loans | 2.4928% | 2,305 |
| Net loans and leases to total assets | 45.4504% | 5,822 |
| Net loans and leases to deposits | 50.5911% | 6,066 |
| Net loans and leases to core deposits | 51.0772% | 6,235 |
| Total domestic deposits to total assets | 89.8388% | 936 |
| Equity capital to assets | 9.5133% | 5,190 |
| Core capital (leverage) ratio | 8.4725% | 5,789 |
| Tier 1 risk-based capital ratio | 13.9838% | 4,537 |
| Total risk-based capital ratio | 15.1890% | 4,524 |
| Memoranda: |
| Average total assets | $38,966,500 | 6,618 |
| Average earning assets | $32,917,000 | 6,669 |
| Average equity | $3,504,000 | 6,769 |
| Average total loans | $18,291,250 | 6,583 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3101% | 4,530 |
| Cost of funding earning assets | 0.5141% | 5,521 |
| Net interest margin | 3.7960% | 3,384 |
| Noninterest income to average assets | 0.7563% | 2,390 |
| Noninterest expense to average assets | 3.8222% | 1,179 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1318% | 6,088 |
| Return on assets (ROA) | 0.1574% | 6,194 |
| Pretax return on assets | 0.1878% | 6,168 |
| Return on Equity (ROE) | 1.7828% | 6,108 |
| Retained earnings to average equity (ytd only) | 1.7828% | 5,304 |
| Net charge-offs to loans | -0.0323% | 6,551 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0459% | 702 |
| Assets per employee ($millions) | 2.5328% | 6,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0534% | 2,105 |
| Loan loss allowance to noncurrent loans | 57.3394% | 4,775 |
| Noncurrent assets plus other real estate owned to assets | 2.9661% | 1,855 |
| Noncurrent loans to loans | 3.5812% | 1,599 |
| Net loans and leases to total assets | 44.1393% | 6,004 |
| Net loans and leases to deposits | 48.5941% | 6,275 |
| Net loans and leases to core deposits | 49.0216% | 6,398 |
| Total domestic deposits to total assets | 90.8326% | 516 |
| Equity capital to assets | 8.6813% | 6,049 |
| Core capital (leverage) ratio | 8.1227% | 6,134 |
| Tier 1 risk-based capital ratio | 13.8337% | 4,573 |
| Total risk-based capital ratio | 15.0894% | 4,544 |
| Memoranda: |
| Average total assets | $39,401,000 | 6,652 |
| Average earning assets | $33,456,000 | 6,702 |
| Average equity | $3,477,670 | 6,815 |
| Average total loans | $18,585,000 | 6,620 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4893% | 3,966 |
| Cost of funding earning assets | 0.5353% | 5,581 |
| Net interest margin | 3.9540% | 2,695 |
| Noninterest income to average assets | 0.7930% | 2,195 |
| Noninterest expense to average assets | 4.0783% | 848 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0721% | 6,291 |
| Return on assets (ROA) | 0.0721% | 6,411 |
| Pretax return on assets | 0.0618% | 6,441 |
| Return on Equity (ROE) | 0.8098% | 6,387 |
| Retained earnings to average equity (ytd only) | 0.8098% | 5,734 |
| Net charge-offs to loans | -0.1494% | 6,916 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5075% | 609 |
| Assets per employee ($millions) | 2.7707% | 6,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0417% | 2,235 |
| Loan loss allowance to noncurrent loans | 87.5289% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 2.3941% | 2,478 |
| Noncurrent loans to loans | 2.3326% | 2,771 |
| Net loans and leases to total assets | 43.7536% | 6,037 |
| Net loans and leases to deposits | 47.9157% | 6,292 |
| Net loans and leases to core deposits | 48.3231% | 6,437 |
| Total domestic deposits to total assets | 91.3138% | 434 |
| Equity capital to assets | 8.3205% | 6,254 |
| Core capital (leverage) ratio | 8.1782% | 6,058 |
| Tier 1 risk-based capital ratio | 13.9835% | 4,482 |
| Total risk-based capital ratio | 15.2368% | 4,439 |
| Memoranda: |
| Average total assets | $38,839,500 | 6,717 |
| Average earning assets | $32,878,500 | 6,769 |
| Average equity | $3,457,500 | 6,859 |
| Average total loans | $18,746,500 | 6,670 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9714% | 3,016 |
| Cost of funding earning assets | 0.8395% | 4,550 |
| Net interest margin | 4.1319% | 2,298 |
| Noninterest income to average assets | 0.8884% | 1,712 |
| Noninterest expense to average assets | 3.9480% | 1,116 |
| Loan and lease loss provision to assets | 0.3233% | 3,102 |
| Net operating income to assets | -0.0560% | 6,116 |
| Return on assets (ROA) | 0.1630% | 5,834 |
| Pretax return on assets | 0.1656% | 5,863 |
| Return on Equity (ROE) | 1.8311% | 5,724 |
| Retained earnings to average equity (ytd only) | 1.8311% | 4,910 |
| Net charge-offs to loans | 0.5154% | 2,928 |
| Credit loss provision to net charge-offs | 120.5882% | 2,640 |
| Earnings coverage of net charge-offs (x) | 0.9902% | 5,054 |
| Efficiency ratio | 93.6993% | 942 |
| Assets per employee ($millions) | 2.4079% | 6,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9651% | 2,387 |
| Loan loss allowance to noncurrent loans | 40.8342% | 5,551 |
| Noncurrent assets plus other real estate owned to assets | 4.2055% | 1,340 |
| Noncurrent loans to loans | 4.8125% | 1,203 |
| Net loans and leases to total assets | 51.3802% | 5,406 |
| Net loans and leases to deposits | 57.0594% | 5,794 |
| Net loans and leases to core deposits | 57.6246% | 6,031 |
| Total domestic deposits to total assets | 90.0468% | 969 |
| Equity capital to assets | 9.5711% | 4,781 |
| Core capital (leverage) ratio | 8.9727% | 4,833 |
| Tier 1 risk-based capital ratio | 14.1084% | 4,249 |
| Total risk-based capital ratio | 15.3621% | 4,199 |
| Memoranda: |
| Average total assets | $38,044,600 | 6,739 |
| Average earning assets | $30,615,200 | 6,851 |
| Average equity | $3,386,000 | 6,912 |
| Average total loans | $19,790,000 | 6,666 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9912% | 3,133 |
| Cost of funding earning assets | 0.9150% | 4,301 |
| Net interest margin | 4.0762% | 2,571 |
| Noninterest income to average assets | 0.7960% | 2,070 |
| Noninterest expense to average assets | 3.8899% | 1,171 |
| Loan and lease loss provision to assets | 0.3565% | 2,733 |
| Net operating income to assets | -0.1661% | 6,348 |
| Return on assets (ROA) | 0.0554% | 6,171 |
| Pretax return on assets | 0.0242% | 6,205 |
| Return on Equity (ROE) | 0.6333% | 6,145 |
| Retained earnings to average equity (ytd only) | 0.6333% | 5,763 |
| Net charge-offs to loans | 0.3999% | 3,115 |
| Credit loss provision to net charge-offs | 171.6667% | 1,753 |
| Earnings coverage of net charge-offs (x) | 0.7666% | 5,038 |
| Efficiency ratio | 96.0684% | 818 |
| Assets per employee ($millions) | 2.3233% | 7,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0316% | 2,250 |
| Loan loss allowance to noncurrent loans | 35.5275% | 5,931 |
| Noncurrent assets plus other real estate owned to assets | 4.6485% | 1,275 |
| Noncurrent loans to loans | 5.7183% | 1,005 |
| Net loans and leases to total assets | 51.1124% | 5,567 |
| Net loans and leases to deposits | 56.7249% | 5,957 |
| Net loans and leases to core deposits | 57.2686% | 6,199 |
| Total domestic deposits to total assets | 90.1057% | 813 |
| Equity capital to assets | 9.3213% | 5,344 |
| Core capital (leverage) ratio | 8.5628% | 5,609 |
| Tier 1 risk-based capital ratio | 13.4947% | 4,736 |
| Total risk-based capital ratio | 14.7503% | 4,704 |
| Memoranda: |
| Average total assets | $38,526,000 | 6,775 |
| Average earning assets | $30,746,500 | 6,914 |
| Average equity | $3,368,250 | 6,976 |
| Average total loans | $20,005,000 | 6,723 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9399% | 3,441 |
| Cost of funding earning assets | 0.9971% | 3,970 |
| Net interest margin | 3.9428% | 3,113 |
| Noninterest income to average assets | 0.6209% | 3,002 |
| Noninterest expense to average assets | 3.8895% | 1,215 |
| Loan and lease loss provision to assets | 0.3489% | 2,693 |
| Net operating income to assets | -0.3042% | 6,560 |
| Return on assets (ROA) | -0.2976% | 6,583 |
| Pretax return on assets | -0.5029% | 6,657 |
| Return on Equity (ROE) | -3.4772% | 6,619 |
| Retained earnings to average equity (ytd only) | -3.4772% | 6,420 |
| Net charge-offs to loans | 0.6136% | 2,294 |
| Credit loss provision to net charge-offs | 109.6774% | 2,803 |
| Earnings coverage of net charge-offs (x) | -0.5161% | 5,529 |
| Efficiency ratio | 104.4077% | 604 |
| Assets per employee ($millions) | 2.3262% | 7,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7998% | 2,992 |
| Loan loss allowance to noncurrent loans | 59.5993% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 3.0396% | 2,214 |
| Noncurrent loans to loans | 3.0198% | 2,401 |
| Net loans and leases to total assets | 49.2578% | 5,916 |
| Net loans and leases to deposits | 54.1429% | 6,296 |
| Net loans and leases to core deposits | 54.6242% | 6,519 |
| Total domestic deposits to total assets | 90.9774% | 510 |
| Equity capital to assets | 8.5750% | 6,091 |
| Core capital (leverage) ratio | 7.7534% | 6,544 |
| Tier 1 risk-based capital ratio | 13.1194% | 4,824 |
| Total risk-based capital ratio | 14.3735% | 4,798 |
| Memoranda: |
| Average total assets | $38,977,000 | 6,823 |
| Average earning assets | $30,689,000 | 6,973 |
| Average equity | $3,336,000 | 7,033 |
| Average total loans | $20,208,670 | 6,773 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8809% | 3,687 |
| Cost of funding earning assets | 1.1556% | 3,120 |
| Net interest margin | 3.7252% | 3,973 |
| Noninterest income to average assets | 0.8063% | 2,004 |
| Noninterest expense to average assets | 4.1248% | 894 |
| Loan and lease loss provision to assets | 0.1551% | 4,087 |
| Net operating income to assets | -0.3928% | 6,736 |
| Return on assets (ROA) | -0.3928% | 6,744 |
| Pretax return on assets | -0.6409% | 6,840 |
| Return on Equity (ROE) | -4.5942% | 6,784 |
| Retained earnings to average equity (ytd only) | -4.5942% | 6,481 |
| Net charge-offs to loans | 0.8237% | 1,595 |
| Credit loss provision to net charge-offs | 35.7143% | 4,024 |
| Earnings coverage of net charge-offs (x) | -1.1190% | 4,907 |
| Efficiency ratio | 113.3523% | 437 |
| Assets per employee ($millions) | 2.4484% | 7,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5711% | 3,863 |
| Loan loss allowance to noncurrent loans | 56.3478% | 4,629 |
| Noncurrent assets plus other real estate owned to assets | 2.6765% | 2,565 |
| Noncurrent loans to loans | 2.7881% | 2,714 |
| Net loans and leases to total assets | 48.7699% | 5,980 |
| Net loans and leases to deposits | 53.1262% | 6,375 |
| Net loans and leases to core deposits | 53.5707% | 6,584 |
| Total domestic deposits to total assets | 91.8000% | 340 |
| Equity capital to assets | 7.8877% | 6,606 |
| Core capital (leverage) ratio | 7.8079% | 6,458 |
| Tier 1 risk-based capital ratio | 12.7477% | 5,015 |
| Total risk-based capital ratio | 13.9964% | 4,996 |
| Memoranda: |
| Average total assets | $38,693,000 | 6,881 |
| Average earning assets | $29,421,000 | 7,069 |
| Average equity | $3,308,500 | 7,075 |
| Average total loans | $20,395,000 | 6,816 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3419% | 2,923 |
| Cost of funding earning assets | 1.2975% | 3,900 |
| Net interest margin | 4.0444% | 2,824 |
| Noninterest income to average assets | 1.0731% | 1,300 |
| Noninterest expense to average assets | 4.0892% | 1,039 |
| Loan and lease loss provision to assets | 0.3008% | 4,400 |
| Net operating income to assets | -0.0976% | 5,987 |
| Return on assets (ROA) | -0.0976% | 6,046 |
| Pretax return on assets | -0.1409% | 6,033 |
| Return on Equity (ROE) | -1.0698% | 6,068 |
| Retained earnings to average equity (ytd only) | -1.0698% | 5,812 |
| Net charge-offs to loans | 0.3271% | 4,374 |
| Credit loss provision to net charge-offs | 156.3380% | 2,256 |
| Earnings coverage of net charge-offs (x) | 0.8310% | 5,300 |
| Efficiency ratio | 96.2372% | 956 |
| Assets per employee ($millions) | 2.2353% | 7,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7405% | 3,075 |
| Loan loss allowance to noncurrent loans | 44.0402% | 5,384 |
| Noncurrent assets plus other real estate owned to assets | 3.6825% | 1,867 |
| Noncurrent loans to loans | 3.9520% | 1,846 |
| Net loans and leases to total assets | 55.4077% | 5,430 |
| Net loans and leases to deposits | 61.4183% | 5,903 |
| Net loans and leases to core deposits | 62.0258% | 6,236 |
| Total domestic deposits to total assets | 90.2136% | 978 |
| Equity capital to assets | 9.3222% | 4,657 |
| Core capital (leverage) ratio | 8.8584% | 4,765 |
| Tier 1 risk-based capital ratio | 13.6554% | 4,092 |
| Total risk-based capital ratio | 14.9064% | 4,065 |
| Memoranda: |
| Average total assets | $36,902,200 | 6,974 |
| Average earning assets | $28,978,200 | 7,126 |
| Average equity | $3,365,000 | 7,172 |
| Average total loans | $21,709,000 | 6,844 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3493% | 3,123 |
| Cost of funding earning assets | 1.2709% | 4,431 |
| Net interest margin | 4.0785% | 2,720 |
| Noninterest income to average assets | 1.0971% | 1,177 |
| Noninterest expense to average assets | 4.1161% | 922 |
| Loan and lease loss provision to assets | 0.3872% | 3,571 |
| Net operating income to assets | -0.1613% | 6,263 |
| Return on assets (ROA) | -0.1613% | 6,344 |
| Pretax return on assets | -0.1613% | 6,283 |
| Return on Equity (ROE) | -1.7790% | 6,376 |
| Retained earnings to average equity (ytd only) | -1.7790% | 6,158 |
| Net charge-offs to loans | 0.3621% | 3,852 |
| Credit loss provision to net charge-offs | 180.0000% | 2,032 |
| Earnings coverage of net charge-offs (x) | 1.0500% | 5,009 |
| Efficiency ratio | 94.7977% | 956 |
| Assets per employee ($millions) | 2.5137% | 7,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7176% | 3,101 |
| Loan loss allowance to noncurrent loans | 41.2644% | 5,538 |
| Noncurrent assets plus other real estate owned to assets | 3.6864% | 1,935 |
| Noncurrent loans to loans | 4.1625% | 1,767 |
| Net loans and leases to total assets | 54.4794% | 5,780 |
| Net loans and leases to deposits | 60.2087% | 6,295 |
| Net loans and leases to core deposits | 60.7680% | 6,555 |
| Total domestic deposits to total assets | 90.4843% | 647 |
| Equity capital to assets | 8.9243% | 5,674 |
| Core capital (leverage) ratio | 8.4104% | 5,681 |
| Tier 1 risk-based capital ratio | 13.3572% | 4,306 |
| Total risk-based capital ratio | 14.5872% | 4,287 |
| Memoranda: |
| Average total assets | $37,186,750 | 7,047 |
| Average earning assets | $29,585,500 | 7,187 |
| Average equity | $3,372,750 | 7,264 |
| Average total loans | $22,094,500 | 6,907 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3389% | 3,270 |
| Cost of funding earning assets | 1.2158% | 5,042 |
| Net interest margin | 4.1231% | 2,457 |
| Noninterest income to average assets | 1.0861% | 1,133 |
| Noninterest expense to average assets | 4.1498% | 864 |
| Loan and lease loss provision to assets | 0.0811% | 6,121 |
| Net operating income to assets | 0.1891% | 5,599 |
| Return on assets (ROA) | 0.1891% | 5,721 |
| Pretax return on assets | 0.2269% | 5,710 |
| Return on Equity (ROE) | 2.0739% | 5,615 |
| Retained earnings to average equity (ytd only) | 2.0739% | 4,822 |
| Net charge-offs to loans | 0.4535% | 3,175 |
| Credit loss provision to net charge-offs | 29.4118% | 5,741 |
| Earnings coverage of net charge-offs (x) | 1.1176% | 4,674 |
| Efficiency ratio | 93.0909% | 1,118 |
| Assets per employee ($millions) | 2.5645% | 7,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2994% | 4,922 |
| Loan loss allowance to noncurrent loans | 34.8985% | 6,037 |
| Noncurrent assets plus other real estate owned to assets | 3.5068% | 1,999 |
| Noncurrent loans to loans | 3.7235% | 2,094 |
| Net loans and leases to total assets | 54.2997% | 5,954 |
| Net loans and leases to deposits | 59.9678% | 6,410 |
| Net loans and leases to core deposits | 60.5116% | 6,673 |
| Total domestic deposits to total assets | 90.5480% | 666 |
| Equity capital to assets | 8.9061% | 5,593 |
| Core capital (leverage) ratio | 8.3570% | 5,653 |
| Tier 1 risk-based capital ratio | 12.8560% | 4,561 |
| Total risk-based capital ratio | 13.9174% | 4,691 |
| Memoranda: |
| Average total assets | $37,013,670 | 7,112 |
| Average earning assets | $30,268,330 | 7,218 |
| Average equity | $3,375,330 | 7,303 |
| Average total loans | $22,492,330 | 6,939 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3977% | 3,045 |
| Cost of funding earning assets | 1.1965% | 5,428 |
| Net interest margin | 4.2011% | 2,035 |
| Noninterest income to average assets | 0.9480% | 1,460 |
| Noninterest expense to average assets | 4.4424% | 617 |
| Loan and lease loss provision to assets | 0.0220% | 6,430 |
| Net operating income to assets | 0.0110% | 6,258 |
| Return on assets (ROA) | 0.0110% | 6,367 |
| Pretax return on assets | -0.0331% | 6,394 |
| Return on Equity (ROE) | 0.1194% | 6,371 |
| Retained earnings to average equity (ytd only) | 0.1194% | 5,774 |
| Net charge-offs to loans | 0.1727% | 3,887 |
| Credit loss provision to net charge-offs | 20.0000% | 4,948 |
| Earnings coverage of net charge-offs (x) | -0.1000% | 5,101 |
| Efficiency ratio | 100.2488% | 831 |
| Assets per employee ($millions) | 2.4743% | 7,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3095% | 4,880 |
| Loan loss allowance to noncurrent loans | 59.6457% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 2.4754% | 2,930 |
| Noncurrent loans to loans | 2.1954% | 3,531 |
| Net loans and leases to total assets | 57.6827% | 5,499 |
| Net loans and leases to deposits | 63.3208% | 6,133 |
| Net loans and leases to core deposits | 63.8716% | 6,460 |
| Total domestic deposits to total assets | 91.0960% | 505 |
| Equity capital to assets | 8.4796% | 6,030 |
| Core capital (leverage) ratio | 8.5700% | 5,255 |
| Tier 1 risk-based capital ratio | 11.8607% | 5,335 |
| Total risk-based capital ratio | 12.9543% | 5,441 |
| Memoranda: |
| Average total assets | $36,286,500 | 7,221 |
| Average earning assets | $30,087,000 | 7,315 |
| Average equity | $3,350,000 | 7,390 |
| Average total loans | $23,157,000 | 6,981 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0078% | 1,833 |
| Cost of funding earning assets | 1.6929% | 4,552 |
| Net interest margin | 4.3149% | 1,675 |
| Noninterest income to average assets | 1.0420% | 1,429 |
| Noninterest expense to average assets | 4.3092% | 976 |
| Loan and lease loss provision to assets | 0.5196% | 3,773 |
| Net operating income to assets | -0.3897% | 6,066 |
| Return on assets (ROA) | -0.2683% | 5,922 |
| Pretax return on assets | -0.2683% | 5,799 |
| Return on Equity (ROE) | -2.9146% | 5,971 |
| Retained earnings to average equity (ytd only) | -2.9146% | 5,682 |
| Net charge-offs to loans | 0.4880% | 3,819 |
| Credit loss provision to net charge-offs | 167.2727% | 2,582 |
| Earnings coverage of net charge-offs (x) | 0.4182% | 5,685 |
| Efficiency ratio | 97.0738% | 1,264 |
| Assets per employee ($millions) | 2.0615% | 7,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3420% | 4,524 |
| Loan loss allowance to noncurrent loans | 51.9199% | 4,906 |
| Noncurrent assets plus other real estate owned to assets | 2.8862% | 2,430 |
| Noncurrent loans to loans | 2.5847% | 2,974 |
| Net loans and leases to total assets | 69.3185% | 3,413 |
| Net loans and leases to deposits | 78.8822% | 4,193 |
| Net loans and leases to core deposits | 89.6381% | 5,171 |
| Total domestic deposits to total assets | 87.8759% | 2,025 |
| Equity capital to assets | 10.1352% | 3,580 |
| Core capital (leverage) ratio | 9.7538% | 3,386 |
| Tier 1 risk-based capital ratio | 12.4767% | 4,548 |
| Total risk-based capital ratio | 13.6594% | 4,549 |
| Memoranda: |
| Average total assets | $35,412,600 | 7,261 |
| Average earning assets | $27,880,400 | 7,432 |
| Average equity | $3,259,400 | 7,513 |
| Average total loans | $22,540,000 | 7,058 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0210% | 1,949 |
| Cost of funding earning assets | 1.7630% | 4,572 |
| Net interest margin | 4.2580% | 1,849 |
| Noninterest income to average assets | 1.0105% | 1,565 |
| Noninterest expense to average assets | 4.1939% | 1,037 |
| Loan and lease loss provision to assets | 0.6811% | 2,699 |
| Net operating income to assets | -0.5478% | 6,475 |
| Return on assets (ROA) | -0.3887% | 6,300 |
| Pretax return on assets | -0.3887% | 6,185 |
| Return on Equity (ROE) | -4.3230% | 6,375 |
| Retained earnings to average equity (ytd only) | -4.3230% | 6,157 |
| Net charge-offs to loans | 0.5957% | 2,891 |
| Credit loss provision to net charge-offs | 184.0000% | 2,479 |
| Earnings coverage of net charge-offs (x) | 0.3600% | 5,665 |
| Efficiency ratio | 96.9204% | 1,215 |
| Assets per employee ($millions) | 2.2359% | 7,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4540% | 3,675 |
| Loan loss allowance to noncurrent loans | 71.3333% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 2.7282% | 2,544 |
| Noncurrent loans to loans | 2.0383% | 3,584 |
| Net loans and leases to total assets | 64.8697% | 4,681 |
| Net loans and leases to deposits | 72.5369% | 5,576 |
| Net loans and leases to core deposits | 81.5779% | 6,226 |
| Total domestic deposits to total assets | 89.4299% | 1,006 |
| Equity capital to assets | 9.9917% | 4,096 |
| Core capital (leverage) ratio | 8.8642% | 4,878 |
| Tier 1 risk-based capital ratio | 12.9412% | 4,236 |
| Total risk-based capital ratio | 14.1903% | 4,161 |
| Memoranda: |
| Average total assets | $36,019,750 | 7,308 |
| Average earning assets | $28,056,500 | 7,493 |
| Average equity | $3,238,500 | 7,588 |
| Average total loans | $22,381,250 | 7,131 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0277% | 2,065 |
| Cost of funding earning assets | 1.8104% | 4,708 |
| Net interest margin | 4.2173% | 1,931 |
| Noninterest income to average assets | 0.9282% | 1,857 |
| Noninterest expense to average assets | 4.3206% | 925 |
| Loan and lease loss provision to assets | 0.9987% | 1,683 |
| Net operating income to assets | -1.1290% | 7,072 |
| Return on assets (ROA) | -0.8956% | 6,907 |
| Pretax return on assets | -0.8956% | 6,742 |
| Return on Equity (ROE) | -10.3093% | 7,059 |
| Retained earnings to average equity (ytd only) | -10.3093% | 6,902 |
| Net charge-offs to loans | 1.0942% | 1,657 |
| Credit loss provision to net charge-offs | 149.5935% | 3,090 |
| Earnings coverage of net charge-offs (x) | -0.1951% | 5,882 |
| Efficiency ratio | 103.1088% | 1,058 |
| Assets per employee ($millions) | 2.5934% | 7,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3370% | 4,059 |
| Loan loss allowance to noncurrent loans | 63.2696% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 1.9203% | 3,320 |
| Noncurrent loans to loans | 2.1132% | 3,365 |
| Net loans and leases to total assets | 56.5281% | 6,151 |
| Net loans and leases to deposits | 61.9245% | 6,736 |
| Net loans and leases to core deposits | 68.3492% | 7,102 |
| Total domestic deposits to total assets | 91.2856% | 379 |
| Equity capital to assets | 8.4008% | 6,189 |
| Core capital (leverage) ratio | 8.5775% | 5,302 |
| Tier 1 risk-based capital ratio | 12.0069% | 4,906 |
| Total risk-based capital ratio | 13.1233% | 4,934 |
| Memoranda: |
| Average total assets | $36,847,000 | 7,344 |
| Average earning assets | $28,501,670 | 7,550 |
| Average equity | $3,201,000 | 7,661 |
| Average total loans | $22,482,670 | 7,185 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1160% | 1,888 |
| Cost of funding earning assets | 1.8458% | 4,899 |
| Net interest margin | 4.2702% | 1,674 |
| Noninterest income to average assets | 0.9492% | 1,644 |
| Noninterest expense to average assets | 4.9135% | 513 |
| Loan and lease loss provision to assets | 0.1787% | 4,670 |
| Net operating income to assets | -0.6812% | 7,039 |
| Return on assets (ROA) | -0.6812% | 7,075 |
| Pretax return on assets | -0.6812% | 6,957 |
| Return on Equity (ROE) | -7.7032% | 7,217 |
| Retained earnings to average equity (ytd only) | -7.7032% | 6,884 |
| Net charge-offs to loans | 0.1240% | 3,975 |
| Credit loss provision to net charge-offs | 228.5714% | 2,000 |
| Earnings coverage of net charge-offs (x) | -6.4286% | 5,585 |
| Efficiency ratio | 111.3924% | 780 |
| Assets per employee ($millions) | 2.5231% | 7,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0909% | 5,535 |
| Loan loss allowance to noncurrent loans | 30.7500% | 6,491 |
| Noncurrent assets plus other real estate owned to assets | 2.5498% | 2,253 |
| Noncurrent loans to loans | 3.5475% | 1,784 |
| Net loans and leases to total assets | 58.9362% | 5,816 |
| Net loans and leases to deposits | 64.7160% | 6,491 |
| Net loans and leases to core deposits | 72.3366% | 6,899 |
| Total domestic deposits to total assets | 91.0691% | 394 |
| Equity capital to assets | 8.5557% | 5,982 |
| Core capital (leverage) ratio | 8.4518% | 5,625 |
| Tier 1 risk-based capital ratio | 11.5861% | 5,326 |
| Total risk-based capital ratio | 12.4958% | 5,563 |
| Memoranda: |
| Average total assets | $35,820,000 | 7,423 |
| Average earning assets | $29,038,500 | 7,567 |
| Average equity | $3,167,500 | 7,732 |
| Average total loans | $22,580,000 | 7,209 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4533% | 3,177 |
| Cost of funding earning assets | 2.4891% | 4,260 |
| Net interest margin | 3.9642% | 3,291 |
| Noninterest income to average assets | 1.1754% | 1,112 |
| Noninterest expense to average assets | 3.7834% | 1,787 |
| Loan and lease loss provision to assets | 2.1742% | 532 |
| Net operating income to assets | -0.9577% | 7,226 |
| Return on assets (ROA) | -0.9358% | 7,133 |
| Pretax return on assets | -1.3872% | 7,206 |
| Return on Equity (ROE) | -10.8195% | 7,327 |
| Retained earnings to average equity (ytd only) | -10.8195% | 7,143 |
| Net charge-offs to loans | 3.9952% | 165 |
| Credit loss provision to net charge-offs | 91.7021% | 5,639 |
| Earnings coverage of net charge-offs (x) | 0.3181% | 6,038 |
| Efficiency ratio | 83.3797% | 2,127 |
| Assets per employee ($millions) | 2.2529% | 7,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0483% | 5,643 |
| Loan loss allowance to noncurrent loans | 46.2891% | 5,698 |
| Noncurrent assets plus other real estate owned to assets | 2.0033% | 2,459 |
| Noncurrent loans to loans | 2.2646% | 2,435 |
| Net loans and leases to total assets | 66.2011% | 4,807 |
| Net loans and leases to deposits | 79.0949% | 5,184 |
| Net loans and leases to core deposits | 86.8546% | 6,068 |
| Total domestic deposits to total assets | 83.6983% | 3,479 |
| Equity capital to assets | 9.1643% | 5,137 |
| Core capital (leverage) ratio | 8.3959% | 5,773 |
| Tier 1 risk-based capital ratio | 11.3856% | 5,347 |
| Total risk-based capital ratio | 12.2889% | 5,584 |
| Memoranda: |
| Average total assets | $39,647,000 | 7,230 |
| Average earning assets | $33,626,000 | 7,340 |
| Average equity | $3,429,000 | 7,708 |
| Average total loans | $23,528,200 | 7,103 |
