| 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 | 6.7571% | 274 |
| Cost of funding earning assets | 2.4670% | 394 |
| Net interest margin | 4.2900% | 827 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.3043% | 2,842 |
| Loan and lease loss provision to assets | 0.2000% | 621 |
| Net operating income to assets | 1.1206% | 1,857 |
| Return on assets (ROA) | 1.1206% | 1,831 |
| Pretax return on assets | 1.7373% | 995 |
| Return on Equity (ROE) | 7.5700% | 3,140 |
| Retained earnings to average equity (ytd only) | 5.1785% | 2,541 |
| Net charge-offs to loans | 0.0235% | 1,843 |
| Credit loss provision to net charge-offs | 1,380.0000% | 312 |
| Earnings coverage of net charge-offs (x) | 99.3500% | 908 |
| Efficiency ratio | 54.3848% | 3,650 |
| Assets per employee ($millions) | 5.6299% | 3,131 |
| Cash dividends to net income (ytd only)* | 31.5972% | 2,486 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6370% | 779 |
| Loan loss allowance to noncurrent loans | 246.0208% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 0.5403% | 1,031 |
| Noncurrent loans to loans | 0.6654% | 1,179 |
| Net loans and leases to total assets | 79.8800% | 651 |
| Net loans and leases to deposits | 94.3768% | 913 |
| Net loans and leases to core deposits | 114.1809% | 811 |
| Total domestic deposits to total assets | 84.6400% | 2,422 |
| Equity capital to assets | 14.5567% | 596 |
| Core capital (leverage) ratio | 14.2211% | 755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6231% | 444 |
| Memoranda: |
| Average total assets | $102,806,000 | 3,806 |
| Average earning assets | $93,472,600 | 3,806 |
| Average equity | $15,216,800 | 3,247 |
| Average total loans | $85,179,000 | 3,355 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4513% | 320 |
| Cost of funding earning assets | 2.1975% | 502 |
| Net interest margin | 4.2538% | 859 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 2.3164% | 2,740 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 1.2093% | 1,771 |
| Return on assets (ROA) | 1.2093% | 1,760 |
| Pretax return on assets | 1.6010% | 1,358 |
| Return on Equity (ROE) | 8.1300% | 3,152 |
| Retained earnings to average equity (ytd only) | 8.1347% | 1,913 |
| Net charge-offs to loans | 0.0157% | 1,837 |
| Credit loss provision to net charge-offs | 2,400.0000% | 200 |
| Earnings coverage of net charge-offs (x) | 135.8000% | 783 |
| Efficiency ratio | 56.5579% | 3,351 |
| Assets per employee ($millions) | 6.0978% | 2,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4429% | 1,278 |
| Loan loss allowance to noncurrent loans | 92.2670% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 1.3059% | 318 |
| Noncurrent loans to loans | 1.5638% | 454 |
| Net loans and leases to total assets | 82.3000% | 415 |
| Net loans and leases to deposits | 96.1637% | 746 |
| Net loans and leases to core deposits | 118.9573% | 580 |
| Total domestic deposits to total assets | 85.5900% | 2,320 |
| Equity capital to assets | 13.4526% | 731 |
| Core capital (leverage) ratio | 14.3807% | 737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3120% | 602 |
| Memoranda: |
| Average total assets | $101,765,500 | 3,830 |
| Average earning assets | $92,464,750 | 3,832 |
| Average equity | $15,128,250 | 3,247 |
| Average total loans | $84,757,000 | 3,363 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3969% | 284 |
| Cost of funding earning assets | 1.8024% | 735 |
| Net interest margin | 4.5945% | 532 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 2.3695% | 2,594 |
| Loan and lease loss provision to assets | 0.3100% | 297 |
| Net operating income to assets | 1.2981% | 1,574 |
| Return on assets (ROA) | 1.2981% | 1,559 |
| Pretax return on assets | 1.7411% | 1,130 |
| Return on Equity (ROE) | 8.4100% | 3,142 |
| Retained earnings to average equity (ytd only) | 8.4136% | 1,846 |
| Net charge-offs to loans | 0.0248% | 1,389 |
| Credit loss provision to net charge-offs | 1,710.0000% | 295 |
| Earnings coverage of net charge-offs (x) | 99.6000% | 939 |
| Efficiency ratio | 53.5881% | 3,648 |
| Assets per employee ($millions) | 5.4427% | 3,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5105% | 1,146 |
| Loan loss allowance to noncurrent loans | 87.6404% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 1.4631% | 246 |
| Noncurrent loans to loans | 1.7235% | 356 |
| Net loans and leases to total assets | 83.6100% | 297 |
| Net loans and leases to deposits | 111.1798% | 184 |
| Net loans and leases to core deposits | 121.8986% | 475 |
| Total domestic deposits to total assets | 75.2000% | 4,102 |
| Equity capital to assets | 14.8756% | 536 |
| Core capital (leverage) ratio | 15.8997% | 483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3480% | 535 |
| Memoranda: |
| Average total assets | $97,067,667 | 3,879 |
| Average earning assets | $88,105,000 | 3,883 |
| Average equity | $14,975,667 | 3,274 |
| Average total loans | $80,759,000 | 3,403 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2154% | 246 |
| Cost of funding earning assets | 1.4985% | 849 |
| Net interest margin | 4.7169% | 430 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.3643% | 2,624 |
| Loan and lease loss provision to assets | 0.4400% | 177 |
| Net operating income to assets | 1.3614% | 1,507 |
| Return on assets (ROA) | 1.3614% | 1,476 |
| Pretax return on assets | 1.7327% | 1,211 |
| Return on Equity (ROE) | 8.6400% | 3,149 |
| Retained earnings to average equity (ytd only) | 8.6380% | 2,043 |
| Net charge-offs to loans | 0.0570% | 801 |
| Credit loss provision to net charge-offs | 945.4545% | 374 |
| Earnings coverage of net charge-offs (x) | 46.3636% | 1,124 |
| Efficiency ratio | 52.0677% | 3,771 |
| Assets per employee ($millions) | 5.3053% | 3,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9154% | 512 |
| Loan loss allowance to noncurrent loans | 96.3438% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 1.6325% | 182 |
| Noncurrent loans to loans | 1.9880% | 281 |
| Net loans and leases to total assets | 80.5500% | 490 |
| Net loans and leases to deposits | 99.5999% | 463 |
| Net loans and leases to core deposits | 113.9562% | 581 |
| Total domestic deposits to total assets | 80.8700% | 3,653 |
| Equity capital to assets | 15.8521% | 418 |
| Core capital (leverage) ratio | 16.6532% | 415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7427% | 449 |
| Memoranda: |
| Average total assets | $93,728,500 | 3,961 |
| Average earning assets | $84,886,500 | 3,962 |
| Average equity | $14,772,000 | 3,324 |
| Average total loans | $77,246,000 | 3,497 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4628% | 157 |
| Cost of funding earning assets | 0.8644% | 296 |
| Net interest margin | 4.5983% | 248 |
| Noninterest income to average assets | 0.6000% | 1,644 |
| Noninterest expense to average assets | 2.4602% | 2,236 |
| Loan and lease loss provision to assets | 0.2800% | 313 |
| Net operating income to assets | 1.6441% | 614 |
| Return on assets (ROA) | 1.6441% | 579 |
| Pretax return on assets | 2.0262% | 447 |
| Return on Equity (ROE) | 10.8800% | 2,516 |
| Retained earnings to average equity (ytd only) | 8.2562% | 1,734 |
| Net charge-offs to loans | -0.0109% | 3,857 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 51.6195% | 4,016 |
| Assets per employee ($millions) | 5.1090% | 3,587 |
| Cash dividends to net income (ytd only)* | 24.0972% | 2,708 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4108% | 228 |
| Loan loss allowance to noncurrent loans | 163.8963% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 1.2168% | 314 |
| Noncurrent loans to loans | 1.4710% | 444 |
| Net loans and leases to total assets | 80.7300% | 523 |
| Net loans and leases to deposits | 97.0508% | 585 |
| Net loans and leases to core deposits | 110.3565% | 598 |
| Total domestic deposits to total assets | 83.1800% | 3,379 |
| Equity capital to assets | 15.6652% | 413 |
| Core capital (leverage) ratio | 15.2631% | 532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3052% | 401 |
| Memoranda: |
| Average total assets | $92,636,600 | 3,985 |
| Average earning assets | $83,986,800 | 3,995 |
| Average equity | $14,001,600 | 3,467 |
| Average total loans | $73,213,400 | 3,520 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1894% | 165 |
| Cost of funding earning assets | 0.7370% | 215 |
| Net interest margin | 4.4524% | 258 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 2.2613% | 2,749 |
| Loan and lease loss provision to assets | 0.2800% | 264 |
| Net operating income to assets | 1.5660% | 714 |
| Return on assets (ROA) | 1.5660% | 692 |
| Pretax return on assets | 1.9338% | 542 |
| Return on Equity (ROE) | 10.4500% | 2,592 |
| Retained earnings to average equity (ytd only) | 10.4550% | 1,210 |
| Net charge-offs to loans | 0.2667% | 251 |
| Credit loss provision to net charge-offs | 133.7931% | 1,168 |
| Earnings coverage of net charge-offs (x) | 10.6207% | 1,974 |
| Efficiency ratio | 50.5459% | 4,125 |
| Assets per employee ($millions) | 5.2044% | 3,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9837% | 517 |
| Loan loss allowance to noncurrent loans | 143.1738% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 1.2041% | 340 |
| Noncurrent loans to loans | 1.3855% | 523 |
| Net loans and leases to total assets | 85.1800% | 170 |
| Net loans and leases to deposits | 105.1579% | 205 |
| Net loans and leases to core deposits | 118.9258% | 284 |
| Total domestic deposits to total assets | 81.0000% | 3,977 |
| Equity capital to assets | 15.2830% | 429 |
| Core capital (leverage) ratio | 15.7313% | 479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3218% | 473 |
| Memoranda: |
| Average total assets | $92,805,250 | 4,014 |
| Average earning assets | $84,118,250 | 4,019 |
| Average equity | $13,900,500 | 3,525 |
| Average total loans | $72,498,500 | 3,543 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0062% | 169 |
| Cost of funding earning assets | 0.7500% | 124 |
| Net interest margin | 4.2563% | 297 |
| Noninterest income to average assets | 0.2789% | 3,498 |
| Noninterest expense to average assets | 2.1964% | 2,872 |
| Loan and lease loss provision to assets | 0.2767% | 243 |
| Net operating income to assets | 1.2776% | 1,198 |
| Return on assets (ROA) | 1.2776% | 1,186 |
| Pretax return on assets | 1.6581% | 831 |
| Return on Equity (ROE) | 8.5891% | 2,832 |
| Retained earnings to average equity (ytd only) | 8.5891% | 1,404 |
| Net charge-offs to loans | -0.0058% | 3,389 |
| Credit loss provision to net charge-offs | -6,400.0000% | 3,813 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1659% | 4,034 |
| Assets per employee ($millions) | 4.9665% | 3,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2954% | 334 |
| Loan loss allowance to noncurrent loans | 140.6302% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 1.3490% | 287 |
| Noncurrent loans to loans | 1.6322% | 440 |
| Net loans and leases to total assets | 80.7533% | 351 |
| Net loans and leases to deposits | 97.3147% | 374 |
| Net loans and leases to core deposits | 104.6929% | 485 |
| Total domestic deposits to total assets | 82.9815% | 3,879 |
| Equity capital to assets | 15.5934% | 362 |
| Core capital (leverage) ratio | 14.8877% | 488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2585% | 414 |
| Memoranda: |
| Average total assets | $92,514,000 | 4,058 |
| Average earning assets | $83,735,333 | 4,078 |
| Average equity | $13,761,667 | 3,611 |
| Average total loans | $69,527,000 | 3,628 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9195% | 170 |
| Cost of funding earning assets | 0.7824% | 97 |
| Net interest margin | 4.1370% | 315 |
| Noninterest income to average assets | 0.2764% | 3,486 |
| Noninterest expense to average assets | 2.0027% | 3,421 |
| Loan and lease loss provision to assets | 0.2721% | 228 |
| Net operating income to assets | 1.3862% | 827 |
| Return on assets (ROA) | 1.3862% | 822 |
| Pretax return on assets | 1.7561% | 614 |
| Return on Equity (ROE) | 9.5374% | 2,141 |
| Retained earnings to average equity (ytd only) | 9.5374% | 1,138 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6835% | 4,325 |
| Assets per employee ($millions) | 5.8802% | 2,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4305% | 304 |
| Loan loss allowance to noncurrent loans | 116.5951% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 1.5274% | 233 |
| Noncurrent loans to loans | 2.0846% | 339 |
| Net loans and leases to total assets | 69.5492% | 1,060 |
| Net loans and leases to deposits | 83.0212% | 944 |
| Net loans and leases to core deposits | 88.8650% | 975 |
| Total domestic deposits to total assets | 83.7728% | 3,807 |
| Equity capital to assets | 14.6636% | 430 |
| Core capital (leverage) ratio | 14.8916% | 447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6676% | 391 |
| Memoranda: |
| Average total assets | $94,072,500 | 4,059 |
| Average earning assets | $85,375,000 | 4,067 |
| Average equity | $13,672,500 | 3,689 |
| Average total loans | $67,347,000 | 3,670 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6037% | 122 |
| Cost of funding earning assets | 1.0604% | 54 |
| Net interest margin | 4.5434% | 248 |
| Noninterest income to average assets | 0.2478% | 3,888 |
| Noninterest expense to average assets | 1.9795% | 3,740 |
| Loan and lease loss provision to assets | 0.2731% | 316 |
| Net operating income to assets | 1.7991% | 507 |
| Return on assets (ROA) | 1.7991% | 528 |
| Pretax return on assets | 2.1524% | 454 |
| Return on Equity (ROE) | 13.2182% | 1,393 |
| Retained earnings to average equity (ytd only) | 10.3747% | 826 |
| Net charge-offs to loans | -0.0014% | 3,318 |
| Credit loss provision to net charge-offs | -25,900.0000% | 4,278 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9366% | 4,542 |
| Assets per employee ($millions) | 5.8789% | 2,884 |
| Cash dividends to net income (ytd only)* | 21.5123% | 2,956 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3155% | 375 |
| Loan loss allowance to noncurrent loans | 475.9878% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.3912% | 1,660 |
| Noncurrent loans to loans | 0.4865% | 1,910 |
| Net loans and leases to total assets | 70.2345% | 1,020 |
| Net loans and leases to deposits | 83.7525% | 919 |
| Net loans and leases to core deposits | 90.1147% | 966 |
| Total domestic deposits to total assets | 83.8596% | 3,600 |
| Equity capital to assets | 14.4043% | 597 |
| Core capital (leverage) ratio | 14.3617% | 561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5168% | 466 |
| Memoranda: |
| Average total assets | $94,822,800 | 4,043 |
| Average earning assets | $86,763,600 | 4,052 |
| Average equity | $12,906,400 | 3,843 |
| Average total loans | $69,696,000 | 3,655 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3594% | 184 |
| Cost of funding earning assets | 1.1126% | 54 |
| Net interest margin | 4.2468% | 502 |
| Noninterest income to average assets | 0.3606% | 3,295 |
| Noninterest expense to average assets | 1.9674% | 3,771 |
| Loan and lease loss provision to assets | 0.2726% | 308 |
| Net operating income to assets | 1.6741% | 876 |
| Return on assets (ROA) | 1.6741% | 917 |
| Pretax return on assets | 2.0151% | 777 |
| Return on Equity (ROE) | 12.4797% | 1,871 |
| Retained earnings to average equity (ytd only) | 12.4797% | 728 |
| Net charge-offs to loans | -0.0019% | 3,207 |
| Credit loss provision to net charge-offs | -19,400.0000% | 4,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2401% | 4,488 |
| Assets per employee ($millions) | 5.7128% | 2,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0721% | 567 |
| Loan loss allowance to noncurrent loans | 73.8318% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 2.2669% | 150 |
| Noncurrent loans to loans | 2.8065% | 243 |
| Net loans and leases to total assets | 77.6093% | 422 |
| Net loans and leases to deposits | 92.9420% | 453 |
| Net loans and leases to core deposits | 96.9522% | 704 |
| Total domestic deposits to total assets | 83.5029% | 3,581 |
| Equity capital to assets | 14.6602% | 605 |
| Core capital (leverage) ratio | 14.2380% | 599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0655% | 531 |
| Memoranda: |
| Average total assets | $95,013,000 | 4,094 |
| Average earning assets | $87,121,250 | 4,102 |
| Average equity | $12,745,750 | 3,905 |
| Average total loans | $70,212,500 | 3,696 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4877% | 178 |
| Cost of funding earning assets | 1.1680% | 49 |
| Net interest margin | 4.3197% | 475 |
| Noninterest income to average assets | 0.2099% | 4,147 |
| Noninterest expense to average assets | 1.8417% | 4,091 |
| Loan and lease loss provision to assets | 0.2681% | 350 |
| Net operating income to assets | 1.7544% | 788 |
| Return on assets (ROA) | 1.7544% | 835 |
| Pretax return on assets | 2.0745% | 714 |
| Return on Equity (ROE) | 13.4742% | 1,573 |
| Retained earnings to average equity (ytd only) | 13.4742% | 642 |
| Net charge-offs to loans | 0.0605% | 1,010 |
| Credit loss provision to net charge-offs | 614.2857% | 613 |
| Earnings coverage of net charge-offs (x) | 53.6667% | 1,027 |
| Efficiency ratio | 44.0139% | 4,613 |
| Assets per employee ($millions) | 5.8152% | 2,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9522% | 669 |
| Loan loss allowance to noncurrent loans | 69.5182% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 2.3623% | 156 |
| Noncurrent loans to loans | 2.8082% | 268 |
| Net loans and leases to total assets | 76.3281% | 561 |
| Net loans and leases to deposits | 90.7335% | 602 |
| Net loans and leases to core deposits | 95.0697% | 855 |
| Total domestic deposits to total assets | 84.1235% | 3,390 |
| Equity capital to assets | 14.0268% | 711 |
| Core capital (leverage) ratio | 13.2271% | 755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0754% | 538 |
| Memoranda: |
| Average total assets | $96,216,000 | 4,101 |
| Average earning assets | $88,525,000 | 4,109 |
| Average equity | $12,527,667 | 3,941 |
| Average total loans | $69,470,333 | 3,735 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1081% | 1,365 |
| Cost of funding earning assets | 1.2015% | 56 |
| Net interest margin | 2.9066% | 3,497 |
| Noninterest income to average assets | 0.2086% | 4,136 |
| Noninterest expense to average assets | 1.7382% | 4,307 |
| Loan and lease loss provision to assets | 0.2618% | 384 |
| Net operating income to assets | 0.5726% | 4,013 |
| Return on assets (ROA) | 0.5726% | 4,064 |
| Pretax return on assets | 0.8998% | 3,598 |
| Return on Equity (ROE) | 4.5655% | 4,174 |
| Retained earnings to average equity (ytd only) | 4.5655% | 3,348 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9436% | 3,040 |
| Assets per employee ($millions) | 5.8612% | 2,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0559% | 536 |
| Loan loss allowance to noncurrent loans | 32.3724% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 4.3928% | 46 |
| Noncurrent loans to loans | 6.3509% | 53 |
| Net loans and leases to total assets | 65.5018% | 1,865 |
| Net loans and leases to deposits | 76.4105% | 1,860 |
| Net loans and leases to core deposits | 80.2661% | 1,978 |
| Total domestic deposits to total assets | 85.7236% | 2,851 |
| Equity capital to assets | 12.3766% | 1,123 |
| Core capital (leverage) ratio | 12.6900% | 929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9662% | 684 |
| Memoranda: |
| Average total assets | $97,802,500 | 4,097 |
| Average earning assets | $90,552,000 | 4,090 |
| Average equity | $12,266,000 | 3,972 |
| Average total loans | $67,989,500 | 3,773 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2497% | 304 |
| Cost of funding earning assets | 1.5683% | 58 |
| Net interest margin | 3.6814% | 1,866 |
| Noninterest income to average assets | 0.2273% | 4,138 |
| Noninterest expense to average assets | 1.7330% | 4,570 |
| Loan and lease loss provision to assets | 0.2603% | 1,488 |
| Net operating income to assets | 1.2985% | 1,255 |
| Return on assets (ROA) | 1.2985% | 1,353 |
| Pretax return on assets | 1.6579% | 935 |
| Return on Equity (ROE) | 11.1081% | 1,592 |
| Retained earnings to average equity (ytd only) | 8.7015% | 850 |
| Net charge-offs to loans | 0.0396% | 2,264 |
| Credit loss provision to net charge-offs | 838.7097% | 867 |
| Earnings coverage of net charge-offs (x) | 61.8065% | 1,056 |
| Efficiency ratio | 47.4637% | 4,653 |
| Assets per employee ($millions) | 5.9978% | 2,336 |
| Cash dividends to net income (ytd only)* | 21.6654% | 3,172 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8834% | 751 |
| Loan loss allowance to noncurrent loans | 65.1372% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 2.2404% | 230 |
| Noncurrent loans to loans | 2.8914% | 310 |
| Net loans and leases to total assets | 70.8977% | 1,441 |
| Net loans and leases to deposits | 83.0773% | 1,540 |
| Net loans and leases to core deposits | 87.1733% | 1,779 |
| Total domestic deposits to total assets | 85.3394% | 2,639 |
| Equity capital to assets | 12.7130% | 1,225 |
| Core capital (leverage) ratio | 12.4203% | 1,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0857% | 653 |
| Memoranda: |
| Average total assets | $99,884,000 | 3,999 |
| Average earning assets | $92,900,400 | 3,987 |
| Average equity | $11,676,200 | 4,005 |
| Average total loans | $78,274,800 | 3,589 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2220% | 398 |
| Cost of funding earning assets | 1.6101% | 71 |
| Net interest margin | 3.6118% | 2,233 |
| Noninterest income to average assets | 0.2009% | 4,272 |
| Noninterest expense to average assets | 1.7277% | 4,591 |
| Loan and lease loss provision to assets | 0.2578% | 1,572 |
| Net operating income to assets | 1.1368% | 1,861 |
| Return on assets (ROA) | 1.1368% | 1,979 |
| Pretax return on assets | 1.5810% | 1,238 |
| Return on Equity (ROE) | 9.9317% | 2,045 |
| Retained earnings to average equity (ytd only) | 9.9317% | 777 |
| Net charge-offs to loans | 0.0513% | 1,873 |
| Credit loss provision to net charge-offs | 629.0323% | 1,140 |
| Earnings coverage of net charge-offs (x) | 44.8710% | 1,272 |
| Efficiency ratio | 48.4433% | 4,583 |
| Assets per employee ($millions) | 6.5185% | 1,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5392% | 1,270 |
| Loan loss allowance to noncurrent loans | 45.6922% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 2.9526% | 156 |
| Noncurrent loans to loans | 3.3686% | 249 |
| Net loans and leases to total assets | 81.1890% | 505 |
| Net loans and leases to deposits | 96.2499% | 741 |
| Net loans and leases to core deposits | 102.3016% | 1,013 |
| Total domestic deposits to total assets | 84.3523% | 2,692 |
| Equity capital to assets | 12.3105% | 1,510 |
| Core capital (leverage) ratio | 12.0407% | 1,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1991% | 882 |
| Memoranda: |
| Average total assets | $100,863,750 | 3,977 |
| Average earning assets | $93,985,500 | 3,973 |
| Average equity | $11,545,250 | 4,029 |
| Average total loans | $80,507,750 | 3,565 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1638% | 612 |
| Cost of funding earning assets | 1.6455% | 94 |
| Net interest margin | 3.5183% | 2,729 |
| Noninterest income to average assets | 0.1767% | 4,408 |
| Noninterest expense to average assets | 1.6979% | 4,684 |
| Loan and lease loss provision to assets | 0.2532% | 1,667 |
| Net operating income to assets | 1.0776% | 2,046 |
| Return on assets (ROA) | 1.0776% | 2,172 |
| Pretax return on assets | 1.5075% | 1,438 |
| Return on Equity (ROE) | 9.6474% | 2,097 |
| Retained earnings to average equity (ytd only) | 9.6474% | 851 |
| Net charge-offs to loans | 0.0472% | 1,808 |
| Credit loss provision to net charge-offs | 678.9474% | 1,020 |
| Earnings coverage of net charge-offs (x) | 47.2105% | 1,147 |
| Efficiency ratio | 49.0919% | 4,555 |
| Assets per employee ($millions) | 6.2018% | 2,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4703% | 1,354 |
| Loan loss allowance to noncurrent loans | 31.6449% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 3.9263% | 92 |
| Noncurrent loans to loans | 4.6461% | 127 |
| Net loans and leases to total assets | 80.1659% | 580 |
| Net loans and leases to deposits | 94.4986% | 911 |
| Net loans and leases to core deposits | 100.2862% | 1,243 |
| Total domestic deposits to total assets | 84.8329% | 2,456 |
| Equity capital to assets | 11.8142% | 1,776 |
| Core capital (leverage) ratio | 11.6687% | 1,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3423% | 999 |
| Memoranda: |
| Average total assets | $101,892,333 | 3,967 |
| Average earning assets | $95,046,333 | 3,952 |
| Average equity | $11,381,333 | 4,063 |
| Average total loans | $80,468,333 | 3,565 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6413% | 1,880 |
| Cost of funding earning assets | 1.6870% | 140 |
| Net interest margin | 2.9543% | 4,353 |
| Noninterest income to average assets | 0.1938% | 4,390 |
| Noninterest expense to average assets | 1.6818% | 4,793 |
| Loan and lease loss provision to assets | 0.2519% | 1,232 |
| Net operating income to assets | 0.4301% | 4,069 |
| Return on assets (ROA) | 0.4301% | 4,108 |
| Pretax return on assets | 1.0153% | 2,799 |
| Return on Equity (ROE) | 3.9606% | 3,962 |
| Retained earnings to average equity (ytd only) | 3.9606% | 2,695 |
| Net charge-offs to loans | 0.0050% | 2,400 |
| Credit loss provision to net charge-offs | 6,500.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 327.0000% | 212 |
| Efficiency ratio | 57.0302% | 4,110 |
| Assets per employee ($millions) | 6.7261% | 1,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4612% | 1,484 |
| Loan loss allowance to noncurrent loans | 41.2808% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 2.8833% | 212 |
| Noncurrent loans to loans | 3.5398% | 263 |
| Net loans and leases to total assets | 76.2635% | 1,254 |
| Net loans and leases to deposits | 89.3471% | 1,589 |
| Net loans and leases to core deposits | 97.6818% | 1,666 |
| Total domestic deposits to total assets | 85.3565% | 2,263 |
| Equity capital to assets | 11.1477% | 2,727 |
| Core capital (leverage) ratio | 10.7569% | 2,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5808% | 1,056 |
| Memoranda: |
| Average total assets | $103,224,500 | 3,944 |
| Average earning assets | $96,265,500 | 3,920 |
| Average equity | $11,210,500 | 4,099 |
| Average total loans | $80,335,500 | 3,576 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0295% | 214 |
| Cost of funding earning assets | 1.7179% | 184 |
| Net interest margin | 4.3116% | 1,070 |
| Noninterest income to average assets | 0.2249% | 4,321 |
| Noninterest expense to average assets | 1.7559% | 4,820 |
| Loan and lease loss provision to assets | 0.2180% | 896 |
| Net operating income to assets | 1.5251% | 995 |
| Return on assets (ROA) | 1.5251% | 1,056 |
| Pretax return on assets | 2.2882% | 318 |
| Return on Equity (ROE) | 14.6867% | 752 |
| Retained earnings to average equity (ytd only) | 12.4076% | 211 |
| Net charge-offs to loans | 0.0294% | 2,810 |
| Credit loss provision to net charge-offs | 888.0000% | 379 |
| Earnings coverage of net charge-offs (x) | 102.0800% | 666 |
| Efficiency ratio | 41.1982% | 5,043 |
| Assets per employee ($millions) | 7.0372% | 1,024 |
| Cash dividends to net income (ytd only)* | 15.5184% | 3,612 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3041% | 1,903 |
| Loan loss allowance to noncurrent loans | 68.2077% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 1.6332% | 585 |
| Noncurrent loans to loans | 1.9119% | 685 |
| Net loans and leases to total assets | 77.2182% | 1,222 |
| Net loans and leases to deposits | 89.6532% | 1,635 |
| Net loans and leases to core deposits | 100.5862% | 1,515 |
| Total domestic deposits to total assets | 86.1299% | 2,020 |
| Equity capital to assets | 10.5856% | 3,359 |
| Core capital (leverage) ratio | 10.2874% | 3,201 |
| Tier 1 risk-based capital ratio | 16.8132% | 2,118 |
| Total risk-based capital ratio | 18.0680% | 2,054 |
| Memoranda: |
| Average total assets | $101,826,200 | 3,972 |
| Average earning assets | $95,348,200 | 3,946 |
| Average equity | $10,574,200 | 4,170 |
| Average total loans | $85,148,400 | 3,497 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9991% | 236 |
| Cost of funding earning assets | 1.7056% | 197 |
| Net interest margin | 4.2935% | 1,174 |
| Noninterest income to average assets | 0.2365% | 4,319 |
| Noninterest expense to average assets | 1.6968% | 4,926 |
| Loan and lease loss provision to assets | 0.2392% | 697 |
| Net operating income to assets | 1.5197% | 1,138 |
| Return on assets (ROA) | 1.5197% | 1,192 |
| Pretax return on assets | 2.3192% | 356 |
| Return on Equity (ROE) | 14.7090% | 844 |
| Retained earnings to average equity (ytd only) | 14.7090% | 168 |
| Net charge-offs to loans | 0.0404% | 2,286 |
| Credit loss provision to net charge-offs | 696.1538% | 482 |
| Earnings coverage of net charge-offs (x) | 74.4526% | 904 |
| Efficiency ratio | 39.8758% | 5,131 |
| Assets per employee ($millions) | 6.9911% | 1,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1251% | 2,900 |
| Loan loss allowance to noncurrent loans | 110.8553% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 1.0079% | 1,327 |
| Noncurrent loans to loans | 1.0149% | 1,577 |
| Net loans and leases to total assets | 84.7245% | 274 |
| Net loans and leases to deposits | 100.5967% | 591 |
| Net loans and leases to core deposits | 119.2911% | 560 |
| Total domestic deposits to total assets | 84.2219% | 2,742 |
| Equity capital to assets | 10.5057% | 3,538 |
| Core capital (leverage) ratio | 10.4691% | 3,129 |
| Tier 1 risk-based capital ratio | 15.6532% | 2,580 |
| Total risk-based capital ratio | 16.9056% | 2,516 |
| Memoranda: |
| Average total assets | $100,893,250 | 4,032 |
| Average earning assets | $94,434,000 | 4,006 |
| Average equity | $10,424,250 | 4,234 |
| Average total loans | $85,788,750 | 3,528 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8770% | 296 |
| Cost of funding earning assets | 1.6693% | 210 |
| Net interest margin | 4.2077% | 1,342 |
| Noninterest income to average assets | 0.2109% | 4,478 |
| Noninterest expense to average assets | 1.6672% | 5,009 |
| Loan and lease loss provision to assets | 0.2330% | 689 |
| Net operating income to assets | 1.4583% | 1,270 |
| Return on assets (ROA) | 1.4583% | 1,325 |
| Pretax return on assets | 2.2497% | 391 |
| Return on Equity (ROE) | 14.1982% | 937 |
| Retained earnings to average equity (ytd only) | 14.1982% | 221 |
| Net charge-offs to loans | 0.0545% | 1,868 |
| Credit loss provision to net charge-offs | 504.3478% | 587 |
| Earnings coverage of net charge-offs (x) | 53.7391% | 1,047 |
| Efficiency ratio | 40.1742% | 5,158 |
| Assets per employee ($millions) | 6.8612% | 1,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0837% | 3,153 |
| Loan loss allowance to noncurrent loans | 98.2402% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 1.1077% | 1,225 |
| Noncurrent loans to loans | 1.1031% | 1,483 |
| Net loans and leases to total assets | 84.1641% | 347 |
| Net loans and leases to deposits | 101.7491% | 560 |
| Net loans and leases to core deposits | 122.4519% | 472 |
| Total domestic deposits to total assets | 82.7173% | 3,301 |
| Equity capital to assets | 10.2820% | 3,715 |
| Core capital (leverage) ratio | 10.3668% | 3,228 |
| Tier 1 risk-based capital ratio | 14.9639% | 2,861 |
| Total risk-based capital ratio | 16.2145% | 2,778 |
| Memoranda: |
| Average total assets | $99,568,670 | 4,076 |
| Average earning assets | $93,211,000 | 4,051 |
| Average equity | $10,226,670 | 4,271 |
| Average total loans | $84,432,000 | 3,576 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8557% | 279 |
| Cost of funding earning assets | 1.6606% | 184 |
| Net interest margin | 4.1951% | 1,314 |
| Noninterest income to average assets | 0.1839% | 4,650 |
| Noninterest expense to average assets | 1.6549% | 5,056 |
| Loan and lease loss provision to assets | 0.2084% | 762 |
| Net operating income to assets | 1.5037% | 1,106 |
| Return on assets (ROA) | 1.5037% | 1,136 |
| Pretax return on assets | 2.2432% | 405 |
| Return on Equity (ROE) | 14.6482% | 828 |
| Retained earnings to average equity (ytd only) | 14.6482% | 304 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.2985% | 5,208 |
| Assets per employee ($millions) | 6.6931% | 1,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0814% | 3,226 |
| Loan loss allowance to noncurrent loans | 89.7132% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 1.1275% | 1,213 |
| Noncurrent loans to loans | 1.2054% | 1,368 |
| Net loans and leases to total assets | 82.6399% | 511 |
| Net loans and leases to deposits | 97.3529% | 859 |
| Net loans and leases to core deposits | 115.4177% | 668 |
| Total domestic deposits to total assets | 84.8870% | 2,723 |
| Equity capital to assets | 10.2045% | 3,615 |
| Core capital (leverage) ratio | 10.4475% | 3,115 |
| Tier 1 risk-based capital ratio | 15.1223% | 2,828 |
| Total risk-based capital ratio | 16.3732% | 2,741 |
| Memoranda: |
| Average total assets | $97,894,000 | 4,136 |
| Average earning assets | $91,535,000 | 4,116 |
| Average equity | $10,049,000 | 4,317 |
| Average total loans | $82,863,500 | 3,634 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8743% | 208 |
| Cost of funding earning assets | 1.3012% | 216 |
| Net interest margin | 4.5732% | 647 |
| Noninterest income to average assets | 0.1990% | 4,710 |
| Noninterest expense to average assets | 1.8320% | 4,974 |
| Loan and lease loss provision to assets | 0.1856% | 1,042 |
| Net operating income to assets | 1.8909% | 458 |
| Return on assets (ROA) | 1.8909% | 453 |
| Pretax return on assets | 2.4400% | 234 |
| Return on Equity (ROE) | 18.6611% | 331 |
| Retained earnings to average equity (ytd only) | 16.4560% | 78 |
| Net charge-offs to loans | 0.0286% | 2,833 |
| Credit loss provision to net charge-offs | 759.0909% | 471 |
| Earnings coverage of net charge-offs (x) | 107.3636% | 707 |
| Efficiency ratio | 41.0973% | 5,260 |
| Assets per employee ($millions) | 6.3594% | 1,289 |
| Cash dividends to net income (ytd only)* | 11.8166% | 3,778 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0458% | 3,415 |
| Loan loss allowance to noncurrent loans | 72.0539% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 1.3586% | 917 |
| Noncurrent loans to loans | 1.4514% | 1,061 |
| Net loans and leases to total assets | 84.9095% | 325 |
| Net loans and leases to deposits | 104.5649% | 456 |
| Net loans and leases to core deposits | 129.1576% | 338 |
| Total domestic deposits to total assets | 81.2026% | 3,842 |
| Equity capital to assets | 10.3291% | 3,349 |
| Core capital (leverage) ratio | 10.5160% | 3,011 |
| Tier 1 risk-based capital ratio | 15.5157% | 2,613 |
| Total risk-based capital ratio | 16.7662% | 2,536 |
| Memoranda: |
| Average total assets | $89,958,400 | 4,270 |
| Average earning assets | $83,771,400 | 4,254 |
| Average equity | $9,115,200 | 4,447 |
| Average total loans | $76,804,000 | 3,732 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9038% | 181 |
| Cost of funding earning assets | 1.2322% | 216 |
| Net interest margin | 4.6716% | 501 |
| Noninterest income to average assets | 0.2032% | 4,750 |
| Noninterest expense to average assets | 1.8976% | 4,907 |
| Loan and lease loss provision to assets | 0.1731% | 1,068 |
| Net operating income to assets | 1.7727% | 634 |
| Return on assets (ROA) | 1.7727% | 638 |
| Pretax return on assets | 2.4800% | 239 |
| Return on Equity (ROE) | 17.5868% | 471 |
| Retained earnings to average equity (ytd only) | 17.5868% | 93 |
| Net charge-offs to loans | 0.0406% | 2,276 |
| Credit loss provision to net charge-offs | 500.0000% | 694 |
| Earnings coverage of net charge-offs (x) | 76.6420% | 900 |
| Efficiency ratio | 41.6997% | 5,282 |
| Assets per employee ($millions) | 5.9326% | 1,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0265% | 3,612 |
| Loan loss allowance to noncurrent loans | 67.6495% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 1.4552% | 898 |
| Noncurrent loans to loans | 1.5173% | 1,072 |
| Net loans and leases to total assets | 87.0063% | 188 |
| Net loans and leases to deposits | 108.1339% | 352 |
| Net loans and leases to core deposits | 132.4110% | 291 |
| Total domestic deposits to total assets | 80.4616% | 4,002 |
| Equity capital to assets | 10.6968% | 2,932 |
| Core capital (leverage) ratio | 10.6401% | 2,945 |
| Tier 1 risk-based capital ratio | 16.0705% | 2,421 |
| Total risk-based capital ratio | 17.3211% | 2,363 |
| Memoranda: |
| Average total assets | $88,600,250 | 4,338 |
| Average earning assets | $82,453,750 | 4,315 |
| Average equity | $8,930,750 | 4,508 |
| Average total loans | $75,542,000 | 3,798 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8361% | 190 |
| Cost of funding earning assets | 1.1779% | 198 |
| Net interest margin | 4.6582% | 489 |
| Noninterest income to average assets | 0.1876% | 4,889 |
| Noninterest expense to average assets | 1.9035% | 4,954 |
| Loan and lease loss provision to assets | 0.1560% | 1,206 |
| Net operating income to assets | 1.7701% | 622 |
| Return on assets (ROA) | 1.7701% | 625 |
| Pretax return on assets | 2.4641% | 240 |
| Return on Equity (ROE) | 17.9286% | 422 |
| Retained earnings to average equity (ytd only) | 17.9286% | 96 |
| Net charge-offs to loans | -0.0054% | 4,118 |
| Credit loss provision to net charge-offs | -3,450.0000% | 4,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0790% | 5,339 |
| Assets per employee ($millions) | 6.0014% | 1,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0260% | 3,676 |
| Loan loss allowance to noncurrent loans | 220.9040% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.5432% | 2,599 |
| Noncurrent loans to loans | 0.4645% | 3,041 |
| Net loans and leases to total assets | 83.7993% | 477 |
| Net loans and leases to deposits | 104.8333% | 490 |
| Net loans and leases to core deposits | 130.4123% | 327 |
| Total domestic deposits to total assets | 79.9358% | 4,248 |
| Equity capital to assets | 10.1521% | 3,487 |
| Core capital (leverage) ratio | 10.2973% | 3,240 |
| Tier 1 risk-based capital ratio | 15.6866% | 2,554 |
| Total risk-based capital ratio | 16.9364% | 2,498 |
| Memoranda: |
| Average total assets | $88,470,670 | 4,375 |
| Average earning assets | $82,349,330 | 4,357 |
| Average equity | $8,734,670 | 4,575 |
| Average total loans | $74,646,330 | 3,837 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6105% | 231 |
| Cost of funding earning assets | 1.1949% | 142 |
| Net interest margin | 4.4157% | 744 |
| Noninterest income to average assets | 0.1688% | 5,014 |
| Noninterest expense to average assets | 1.9020% | 5,015 |
| Loan and lease loss provision to assets | 0.1505% | 1,204 |
| Net operating income to assets | 1.5143% | 1,049 |
| Return on assets (ROA) | 1.5143% | 1,048 |
| Pretax return on assets | 2.2122% | 371 |
| Return on Equity (ROE) | 15.5640% | 695 |
| Retained earnings to average equity (ytd only) | 15.5640% | 281 |
| Net charge-offs to loans | -0.0054% | 4,040 |
| Credit loss provision to net charge-offs | -3,300.0000% | 4,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5989% | 5,330 |
| Assets per employee ($millions) | 6.1808% | 1,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0297% | 3,785 |
| Loan loss allowance to noncurrent loans | 112.3680% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 0.9222% | 1,717 |
| Noncurrent loans to loans | 0.9164% | 1,987 |
| Net loans and leases to total assets | 82.7530% | 563 |
| Net loans and leases to deposits | 99.1196% | 775 |
| Net loans and leases to core deposits | 117.7960% | 663 |
| Total domestic deposits to total assets | 83.4880% | 3,507 |
| Equity capital to assets | 10.0438% | 3,550 |
| Core capital (leverage) ratio | 9.7630% | 3,792 |
| Tier 1 risk-based capital ratio | 16.2662% | 2,369 |
| Total risk-based capital ratio | 17.5183% | 2,317 |
| Memoranda: |
| Average total assets | $87,695,500 | 4,437 |
| Average earning assets | $81,347,000 | 4,421 |
| Average equity | $8,532,500 | 4,658 |
| Average total loans | $73,860,000 | 3,881 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6532% | 210 |
| Cost of funding earning assets | 1.0823% | 141 |
| Net interest margin | 4.5709% | 530 |
| Noninterest income to average assets | 0.2271% | 4,778 |
| Noninterest expense to average assets | 1.9573% | 5,031 |
| Loan and lease loss provision to assets | 0.1586% | 1,417 |
| Net operating income to assets | 1.6886% | 537 |
| Return on assets (ROA) | 1.7146% | 526 |
| Pretax return on assets | 2.3946% | 220 |
| Return on Equity (ROE) | 18.4993% | 274 |
| Retained earnings to average equity (ytd only) | 16.2825% | 63 |
| Net charge-offs to loans | -0.0110% | 4,808 |
| Credit loss provision to net charge-offs | -1,650.0000% | 5,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7433% | 5,459 |
| Assets per employee ($millions) | 6.3471% | 1,286 |
| Cash dividends to net income (ytd only)* | 11.9832% | 3,889 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9434% | 4,252 |
| Loan loss allowance to noncurrent loans | 111.9685% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 0.8665% | 1,796 |
| Noncurrent loans to loans | 0.8425% | 2,112 |
| Net loans and leases to total assets | 84.0164% | 442 |
| Net loans and leases to deposits | 102.9525% | 548 |
| Net loans and leases to core deposits | 121.0412% | 558 |
| Total domestic deposits to total assets | 81.6070% | 3,968 |
| Equity capital to assets | 9.4238% | 4,300 |
| Core capital (leverage) ratio | 9.2695% | 4,326 |
| Tier 1 risk-based capital ratio | 15.2279% | 2,728 |
| Total risk-based capital ratio | 16.4779% | 2,664 |
| Memoranda: |
| Average total assets | $83,228,800 | 4,526 |
| Average earning assets | $77,336,800 | 4,514 |
| Average equity | $7,713,800 | 4,824 |
| Average total loans | $72,898,400 | 3,899 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5546% | 237 |
| Cost of funding earning assets | 1.0432% | 153 |
| Net interest margin | 4.5113% | 588 |
| Noninterest income to average assets | 0.1988% | 5,011 |
| Noninterest expense to average assets | 1.9880% | 4,978 |
| Loan and lease loss provision to assets | 0.1597% | 1,288 |
| Net operating income to assets | 1.5088% | 876 |
| Return on assets (ROA) | 1.5415% | 838 |
| Pretax return on assets | 2.2927% | 299 |
| Return on Equity (ROE) | 16.7087% | 462 |
| Retained earnings to average equity (ytd only) | 16.7087% | 83 |
| Net charge-offs to loans | -0.0184% | 4,821 |
| Credit loss provision to net charge-offs | -980.0000% | 4,943 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2690% | 5,439 |
| Assets per employee ($millions) | 6.3481% | 1,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8678% | 4,699 |
| Loan loss allowance to noncurrent loans | 59.9823% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 1.4425% | 1,065 |
| Noncurrent loans to loans | 1.4468% | 1,291 |
| Net loans and leases to total assets | 87.2741% | 186 |
| Net loans and leases to deposits | 113.8170% | 187 |
| Net loans and leases to core deposits | 135.3435% | 263 |
| Total domestic deposits to total assets | 76.6793% | 4,938 |
| Equity capital to assets | 9.0566% | 4,867 |
| Core capital (leverage) ratio | 9.0986% | 4,635 |
| Tier 1 risk-based capital ratio | 14.3322% | 3,277 |
| Total risk-based capital ratio | 15.5677% | 3,192 |
| Memoranda: |
| Average total assets | $81,821,000 | 4,602 |
| Average earning assets | $76,043,750 | 4,580 |
| Average equity | $7,548,750 | 4,901 |
| Average total loans | $72,281,000 | 3,941 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4675% | 257 |
| Cost of funding earning assets | 1.0274% | 149 |
| Net interest margin | 4.4402% | 646 |
| Noninterest income to average assets | 0.1938% | 5,079 |
| Noninterest expense to average assets | 2.0687% | 4,834 |
| Loan and lease loss provision to assets | 0.1636% | 1,222 |
| Net operating income to assets | 1.3187% | 1,255 |
| Return on assets (ROA) | 1.3187% | 1,280 |
| Pretax return on assets | 2.0838% | 463 |
| Return on Equity (ROE) | 14.1967% | 785 |
| Retained earnings to average equity (ytd only) | 14.1967% | 171 |
| Net charge-offs to loans | -0.0228% | 4,824 |
| Credit loss provision to net charge-offs | -812.5000% | 4,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9300% | 5,393 |
| Assets per employee ($millions) | 5.9876% | 1,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8664% | 4,765 |
| Loan loss allowance to noncurrent loans | 135.8650% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 0.7444% | 2,333 |
| Noncurrent loans to loans | 0.6377% | 2,819 |
| Net loans and leases to total assets | 87.9049% | 150 |
| Net loans and leases to deposits | 109.1060% | 283 |
| Net loans and leases to core deposits | 127.6911% | 351 |
| Total domestic deposits to total assets | 80.5683% | 4,293 |
| Equity capital to assets | 9.1343% | 4,769 |
| Core capital (leverage) ratio | 9.3230% | 4,337 |
| Tier 1 risk-based capital ratio | 14.1459% | 3,346 |
| Total risk-based capital ratio | 15.3677% | 3,275 |
| Memoranda: |
| Average total assets | $79,470,000 | 4,674 |
| Average earning assets | $73,781,000 | 4,661 |
| Average equity | $7,382,000 | 4,949 |
| Average total loans | $70,293,670 | 4,006 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5209% | 221 |
| Cost of funding earning assets | 1.0460% | 133 |
| Net interest margin | 4.4749% | 549 |
| Noninterest income to average assets | 0.1863% | 5,159 |
| Noninterest expense to average assets | 2.0960% | 4,857 |
| Loan and lease loss provision to assets | 0.1656% | 1,079 |
| Net operating income to assets | 1.2886% | 1,269 |
| Return on assets (ROA) | 1.2886% | 1,300 |
| Pretax return on assets | 2.0649% | 449 |
| Return on Equity (ROE) | 13.7484% | 848 |
| Retained earnings to average equity (ytd only) | 13.7484% | 313 |
| Net charge-offs to loans | -0.0586% | 5,250 |
| Credit loss provision to net charge-offs | -320.0000% | 4,145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4450% | 5,449 |
| Assets per employee ($millions) | 5.6510% | 1,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8904% | 4,797 |
| Loan loss allowance to noncurrent loans | 103.3727% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 0.9164% | 2,018 |
| Noncurrent loans to loans | 0.8613% | 2,310 |
| Net loans and leases to total assets | 86.2502% | 207 |
| Net loans and leases to deposits | 107.1916% | 282 |
| Net loans and leases to core deposits | 117.9798% | 526 |
| Total domestic deposits to total assets | 80.4636% | 4,532 |
| Equity capital to assets | 9.3144% | 4,496 |
| Core capital (leverage) ratio | 9.3146% | 4,324 |
| Tier 1 risk-based capital ratio | 14.3262% | 3,301 |
| Total risk-based capital ratio | 15.5493% | 3,237 |
| Memoranda: |
| Average total assets | $77,291,500 | 4,764 |
| Average earning assets | $71,510,500 | 4,756 |
| Average equity | $7,244,500 | 5,020 |
| Average total loans | $68,274,500 | 4,089 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4291% | 277 |
| Cost of funding earning assets | 1.0233% | 150 |
| Net interest margin | 4.4058% | 765 |
| Noninterest income to average assets | 0.2642% | 4,840 |
| Noninterest expense to average assets | 2.1778% | 4,829 |
| Loan and lease loss provision to assets | 0.1728% | 1,405 |
| Net operating income to assets | 1.4864% | 854 |
| Return on assets (ROA) | 1.5071% | 841 |
| Pretax return on assets | 2.0109% | 492 |
| Return on Equity (ROE) | 14.5955% | 691 |
| Retained earnings to average equity (ytd only) | 4.4714% | 2,729 |
| Net charge-offs to loans | 0.0262% | 3,511 |
| Credit loss provision to net charge-offs | 743.7500% | 489 |
| Earnings coverage of net charge-offs (x) | 92.8125% | 638 |
| Efficiency ratio | 48.7437% | 5,542 |
| Assets per employee ($millions) | 5.3906% | 1,963 |
| Cash dividends to net income (ytd only)* | 69.3642% | 1,339 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8434% | 4,976 |
| Loan loss allowance to noncurrent loans | 100.7055% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 0.9169% | 2,072 |
| Noncurrent loans to loans | 0.8375% | 2,430 |
| Net loans and leases to total assets | 88.9491% | 96 |
| Net loans and leases to deposits | 110.6443% | 211 |
| Net loans and leases to core deposits | 118.5857% | 522 |
| Total domestic deposits to total assets | 80.3919% | 4,481 |
| Equity capital to assets | 9.4343% | 4,345 |
| Core capital (leverage) ratio | 8.8852% | 4,873 |
| Tier 1 risk-based capital ratio | 14.2807% | 3,293 |
| Total risk-based capital ratio | 15.4572% | 3,272 |
| Memoranda: |
| Average total assets | $68,876,200 | 4,959 |
| Average earning assets | $63,620,000 | 4,950 |
| Average equity | $7,111,800 | 5,072 |
| Average total loans | $61,040,400 | 4,261 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2500% | 395 |
| Cost of funding earning assets | 0.9955% | 176 |
| Net interest margin | 4.2545% | 1,016 |
| Noninterest income to average assets | 0.2677% | 4,856 |
| Noninterest expense to average assets | 2.4057% | 4,269 |
| Loan and lease loss provision to assets | 0.1706% | 1,334 |
| Net operating income to assets | 1.6243% | 693 |
| Return on assets (ROA) | 1.6620% | 682 |
| Pretax return on assets | 1.6620% | 1,220 |
| Return on Equity (ROE) | 15.7152% | 579 |
| Retained earnings to average equity (ytd only) | 7.3325% | 1,467 |
| Net charge-offs to loans | -0.0022% | 4,507 |
| Credit loss provision to net charge-offs | -8,600.0000% | 5,443 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1464% | 5,141 |
| Assets per employee ($millions) | 5.6148% | 1,749 |
| Cash dividends to net income (ytd only)* | 53.3415% | 1,724 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7869% | 5,225 |
| Loan loss allowance to noncurrent loans | 69.0299% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 1.1424% | 1,764 |
| Noncurrent loans to loans | 1.1400% | 1,974 |
| Net loans and leases to total assets | 89.0162% | 94 |
| Net loans and leases to deposits | 116.6256% | 148 |
| Net loans and leases to core deposits | 122.2620% | 447 |
| Total domestic deposits to total assets | 76.3265% | 5,191 |
| Equity capital to assets | 9.2104% | 4,962 |
| Core capital (leverage) ratio | 9.4859% | 4,199 |
| Tier 1 risk-based capital ratio | 13.2908% | 3,984 |
| Total risk-based capital ratio | 14.3440% | 4,014 |
| Memoranda: |
| Average total assets | $67,228,000 | 5,031 |
| Average earning assets | $62,144,000 | 5,020 |
| Average equity | $7,109,750 | 5,121 |
| Average total loans | $59,375,500 | 4,355 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1899% | 432 |
| Cost of funding earning assets | 0.9956% | 174 |
| Net interest margin | 4.1943% | 1,130 |
| Noninterest income to average assets | 0.2964% | 4,662 |
| Noninterest expense to average assets | 2.4151% | 4,289 |
| Loan and lease loss provision to assets | 0.1671% | 1,340 |
| Net operating income to assets | 1.5796% | 757 |
| Return on assets (ROA) | 1.6363% | 706 |
| Pretax return on assets | 1.6363% | 1,265 |
| Return on Equity (ROE) | 14.6894% | 723 |
| Retained earnings to average equity (ytd only) | 9.8212% | 637 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4545% | 5,199 |
| Assets per employee ($millions) | 5.0245% | 2,273 |
| Cash dividends to net income (ytd only)* | 33.1407% | 2,709 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8291% | 5,199 |
| Loan loss allowance to noncurrent loans | 96.8401% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 0.8985% | 2,360 |
| Noncurrent loans to loans | 0.8561% | 2,599 |
| Net loans and leases to total assets | 88.5973% | 113 |
| Net loans and leases to deposits | 105.3894% | 389 |
| Net loans and leases to core deposits | 110.5510% | 903 |
| Total domestic deposits to total assets | 84.0666% | 3,238 |
| Equity capital to assets | 10.2782% | 3,889 |
| Core capital (leverage) ratio | 10.4367% | 3,032 |
| Tier 1 risk-based capital ratio | 14.0289% | 3,590 |
| Total risk-based capital ratio | 15.0800% | 3,627 |
| Memoranda: |
| Average total assets | $63,435,000 | 5,160 |
| Average earning assets | $58,460,000 | 5,150 |
| Average equity | $7,066,330 | 5,180 |
| Average total loans | $55,658,000 | 4,483 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0609% | 522 |
| Cost of funding earning assets | 0.9208% | 266 |
| Net interest margin | 4.1400% | 1,235 |
| Noninterest income to average assets | 0.2601% | 4,872 |
| Noninterest expense to average assets | 2.6275% | 3,665 |
| Loan and lease loss provision to assets | 0.1400% | 1,502 |
| Net operating income to assets | 1.3004% | 1,250 |
| Return on assets (ROA) | 1.4204% | 1,058 |
| Pretax return on assets | 1.4204% | 1,842 |
| Return on Equity (ROE) | 12.1984% | 1,256 |
| Retained earnings to average equity (ytd only) | 12.1984% | 481 |
| Net charge-offs to loans | -0.0230% | 4,929 |
| Credit loss provision to net charge-offs | -700.0000% | 4,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8033% | 4,475 |
| Assets per employee ($millions) | 4.6083% | 2,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8926% | 5,078 |
| Loan loss allowance to noncurrent loans | 71.4078% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 1.1811% | 1,862 |
| Noncurrent loans to loans | 1.2501% | 1,932 |
| Net loans and leases to total assets | 84.6689% | 315 |
| Net loans and leases to deposits | 99.6007% | 653 |
| Net loans and leases to core deposits | 103.5899% | 1,213 |
| Total domestic deposits to total assets | 85.0084% | 3,133 |
| Equity capital to assets | 10.9787% | 2,966 |
| Core capital (leverage) ratio | 11.3604% | 2,081 |
| Tier 1 risk-based capital ratio | 13.6448% | 3,904 |
| Total risk-based capital ratio | 14.6306% | 3,975 |
| Memoranda: |
| Average total assets | $59,981,000 | 5,288 |
| Average earning assets | $55,168,500 | 5,292 |
| Average equity | $6,984,500 | 5,235 |
| Average total loans | $52,065,500 | 4,612 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1004% | 515 |
| Cost of funding earning assets | 0.6932% | 849 |
| Net interest margin | 4.4073% | 786 |
| Noninterest income to average assets | 0.4266% | 3,841 |
| Noninterest expense to average assets | 2.8283% | 3,114 |
| Loan and lease loss provision to assets | 0.1975% | 1,094 |
| Net operating income to assets | 1.1594% | 1,701 |
| Return on assets (ROA) | 1.1594% | 1,777 |
| Pretax return on assets | 1.4694% | 1,650 |
| Return on Equity (ROE) | 8.9438% | 2,482 |
| Retained earnings to average equity (ytd only) | 8.9438% | 662 |
| Net charge-offs to loans | 0.1737% | 1,643 |
| Credit loss provision to net charge-offs | 129.8701% | 2,017 |
| Earnings coverage of net charge-offs (x) | 10.9610% | 2,640 |
| Efficiency ratio | 59.9736% | 4,911 |
| Assets per employee ($millions) | 3.9604% | 4,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9548% | 4,839 |
| Loan loss allowance to noncurrent loans | 62.4833% | 4,583 |
| Noncurrent assets plus other real estate owned to assets | 1.5222% | 1,328 |
| Noncurrent loans to loans | 1.5281% | 1,521 |
| Net loans and leases to total assets | 87.5555% | 142 |
| Net loans and leases to deposits | 108.3181% | 287 |
| Net loans and leases to core deposits | 111.3262% | 802 |
| Total domestic deposits to total assets | 80.8318% | 4,535 |
| Equity capital to assets | 12.4193% | 1,662 |
| Core capital (leverage) ratio | 12.1626% | 1,522 |
| Tier 1 risk-based capital ratio | 14.6415% | 3,358 |
| Total risk-based capital ratio | 15.6804% | 3,391 |
| Memoranda: |
| Average total assets | $50,631,600 | 5,526 |
| Average earning assets | $46,741,000 | 5,503 |
| Average equity | $6,563,200 | 5,337 |
| Average total loans | $44,329,600 | 4,851 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0740% | 541 |
| Cost of funding earning assets | 0.6635% | 1,009 |
| Net interest margin | 4.4106% | 777 |
| Noninterest income to average assets | 0.4073% | 4,034 |
| Noninterest expense to average assets | 2.7110% | 3,520 |
| Loan and lease loss provision to assets | 0.1888% | 1,081 |
| Net operating income to assets | 1.1545% | 1,817 |
| Return on assets (ROA) | 1.1545% | 1,884 |
| Pretax return on assets | 1.5780% | 1,450 |
| Return on Equity (ROE) | 8.8029% | 2,677 |
| Retained earnings to average equity (ytd only) | 8.8029% | 975 |
| Net charge-offs to loans | 0.2162% | 1,208 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | 9.3572% | 2,705 |
| Efficiency ratio | 57.5301% | 5,177 |
| Assets per employee ($millions) | 3.8906% | 4,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9362% | 5,040 |
| Loan loss allowance to noncurrent loans | 43.7992% | 5,119 |
| Noncurrent assets plus other real estate owned to assets | 2.1370% | 918 |
| Noncurrent loans to loans | 2.1375% | 1,048 |
| Net loans and leases to total assets | 86.4492% | 205 |
| Net loans and leases to deposits | 108.3080% | 296 |
| Net loans and leases to core deposits | 110.7484% | 837 |
| Total domestic deposits to total assets | 79.8179% | 4,789 |
| Equity capital to assets | 12.3465% | 1,839 |
| Core capital (leverage) ratio | 11.8962% | 1,745 |
| Tier 1 risk-based capital ratio | 11.8190% | 5,188 |
| Total risk-based capital ratio | 12.6369% | 5,346 |
| Memoranda: |
| Average total assets | $49,428,000 | 5,621 |
| Average earning assets | $45,616,750 | 5,608 |
| Average equity | $6,482,500 | 5,417 |
| Average total loans | $43,158,500 | 4,940 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0289% | 567 |
| Cost of funding earning assets | 0.6400% | 1,164 |
| Net interest margin | 4.3889% | 775 |
| Noninterest income to average assets | 0.3895% | 4,159 |
| Noninterest expense to average assets | 2.7101% | 3,566 |
| Loan and lease loss provision to assets | 0.1675% | 1,247 |
| Net operating income to assets | 1.0179% | 2,306 |
| Return on assets (ROA) | 1.0179% | 2,410 |
| Pretax return on assets | 1.5624% | 1,445 |
| Return on Equity (ROE) | 7.5918% | 3,263 |
| Retained earnings to average equity (ytd only) | 7.5918% | 1,430 |
| Net charge-offs to loans | 0.1631% | 1,492 |
| Credit loss provision to net charge-offs | 117.6471% | 1,831 |
| Earnings coverage of net charge-offs (x) | 12.1471% | 2,239 |
| Efficiency ratio | 57.9245% | 5,229 |
| Assets per employee ($millions) | 3.6599% | 4,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0080% | 4,829 |
| Loan loss allowance to noncurrent loans | 96.1620% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 1.2452% | 2,021 |
| Noncurrent loans to loans | 1.0482% | 2,546 |
| Net loans and leases to total assets | 86.4417% | 214 |
| Net loans and leases to deposits | 108.9382% | 286 |
| Net loans and leases to core deposits | 110.8661% | 788 |
| Total domestic deposits to total assets | 79.3493% | 5,014 |
| Equity capital to assets | 12.7523% | 1,515 |
| Core capital (leverage) ratio | 12.8140% | 1,249 |
| Tier 1 risk-based capital ratio | 12.3132% | 4,930 |
| Total risk-based capital ratio | 13.2035% | 5,083 |
| Memoranda: |
| Average total assets | $47,747,670 | 5,730 |
| Average earning assets | $44,065,330 | 5,712 |
| Average equity | $6,401,670 | 5,472 |
| Average total loans | $41,700,330 | 5,040 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1333% | 461 |
| Cost of funding earning assets | 0.6111% | 1,358 |
| Net interest margin | 4.5222% | 582 |
| Noninterest income to average assets | 0.2956% | 4,805 |
| Noninterest expense to average assets | 2.8085% | 3,225 |
| Loan and lease loss provision to assets | 0.0870% | 2,244 |
| Net operating income to assets | 1.0173% | 2,184 |
| Return on assets (ROA) | 1.0173% | 2,325 |
| Pretax return on assets | 1.5825% | 1,310 |
| Return on Equity (ROE) | 7.3869% | 3,281 |
| Retained earnings to average equity (ytd only) | 7.3869% | 1,817 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4175% | 5,167 |
| Assets per employee ($millions) | 3.6085% | 4,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1286% | 4,381 |
| Loan loss allowance to noncurrent loans | 126.7409% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 1.2343% | 2,167 |
| Noncurrent loans to loans | 0.8905% | 3,014 |
| Net loans and leases to total assets | 84.9673% | 251 |
| Net loans and leases to deposits | 105.7520% | 322 |
| Net loans and leases to core deposits | 107.7707% | 831 |
| Total domestic deposits to total assets | 80.3458% | 4,980 |
| Equity capital to assets | 13.6258% | 1,117 |
| Core capital (leverage) ratio | 13.6035% | 940 |
| Tier 1 risk-based capital ratio | 17.3610% | 2,351 |
| Total risk-based capital ratio | 18.6094% | 2,310 |
| Memoranda: |
| Average total assets | $46,002,500 | 5,817 |
| Average earning assets | $42,545,500 | 5,797 |
| Average equity | $6,335,500 | 5,526 |
| Average total loans | $40,179,500 | 5,132 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3491% | 414 |
| Cost of funding earning assets | 0.5897% | 1,858 |
| Net interest margin | 4.7593% | 469 |
| Noninterest income to average assets | 0.3742% | 4,393 |
| Noninterest expense to average assets | 2.7455% | 3,692 |
| Loan and lease loss provision to assets | 0.1286% | 2,039 |
| Net operating income to assets | 1.2114% | 1,550 |
| Return on assets (ROA) | 1.2144% | 1,602 |
| Pretax return on assets | 1.9880% | 526 |
| Return on Equity (ROE) | 8.6642% | 2,748 |
| Retained earnings to average equity (ytd only) | 5.8143% | 2,052 |
| Net charge-offs to loans | 0.3303% | 1,335 |
| Credit loss provision to net charge-offs | 44.4444% | 3,598 |
| Earnings coverage of net charge-offs (x) | 7.3016% | 3,055 |
| Efficiency ratio | 53.3081% | 5,900 |
| Assets per employee ($millions) | 3.4688% | 4,948 |
| Cash dividends to net income (ytd only)* | 32.8922% | 3,237 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1112% | 4,488 |
| Loan loss allowance to noncurrent loans | 111.8090% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 1.2862% | 2,190 |
| Noncurrent loans to loans | 0.9939% | 2,842 |
| Net loans and leases to total assets | 87.8166% | 120 |
| Net loans and leases to deposits | 115.0126% | 148 |
| Net loans and leases to core deposits | 117.9730% | 466 |
| Total domestic deposits to total assets | 76.3538% | 5,680 |
| Equity capital to assets | 13.9242% | 984 |
| Core capital (leverage) ratio | 13.2081% | 1,057 |
| Tier 1 risk-based capital ratio | 16.9227% | 2,540 |
| Total risk-based capital ratio | 18.0643% | 2,541 |
| Memoranda: |
| Average total assets | $43,561,800 | 5,940 |
| Average earning assets | $41,035,200 | 5,895 |
| Average equity | $6,105,600 | 5,596 |
| Average total loans | $38,144,200 | 5,249 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1912% | 534 |
| Cost of funding earning assets | 0.5932% | 1,896 |
| Net interest margin | 4.5980% | 620 |
| Noninterest income to average assets | 0.3582% | 4,568 |
| Noninterest expense to average assets | 2.6957% | 3,840 |
| Loan and lease loss provision to assets | 0.1729% | 1,423 |
| Net operating income to assets | 1.0891% | 2,076 |
| Return on assets (ROA) | 1.0931% | 2,126 |
| Pretax return on assets | 1.8280% | 836 |
| Return on Equity (ROE) | 7.7857% | 3,325 |
| Retained earnings to average equity (ytd only) | 7.7857% | 1,457 |
| Net charge-offs to loans | 0.4920% | 793 |
| Credit loss provision to net charge-offs | 40.2878% | 3,284 |
| Earnings coverage of net charge-offs (x) | 4.6474% | 3,409 |
| Efficiency ratio | 54.1145% | 5,811 |
| Assets per employee ($millions) | 3.5097% | 4,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0691% | 4,885 |
| Loan loss allowance to noncurrent loans | 68.5714% | 4,519 |
| Noncurrent assets plus other real estate owned to assets | 1.7468% | 1,711 |
| Noncurrent loans to loans | 1.5591% | 2,085 |
| Net loans and leases to total assets | 87.6167% | 128 |
| Net loans and leases to deposits | 112.8819% | 166 |
| Net loans and leases to core deposits | 116.0373% | 504 |
| Total domestic deposits to total assets | 77.6180% | 5,590 |
| Equity capital to assets | 13.7465% | 1,093 |
| Core capital (leverage) ratio | 12.9299% | 1,214 |
| Tier 1 risk-based capital ratio | 16.6558% | 2,746 |
| Total risk-based capital ratio | 17.6482% | 2,811 |
| Memoranda: |
| Average total assets | $43,178,750 | 6,020 |
| Average earning assets | $40,683,250 | 5,973 |
| Average equity | $6,062,250 | 5,665 |
| Average total loans | $37,669,000 | 5,315 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0885% | 630 |
| Cost of funding earning assets | 0.6072% | 1,845 |
| Net interest margin | 4.4813% | 730 |
| Noninterest income to average assets | 0.3446% | 4,666 |
| Noninterest expense to average assets | 2.7241% | 3,780 |
| Loan and lease loss provision to assets | 0.1983% | 1,224 |
| Net operating income to assets | 1.1061% | 1,918 |
| Return on assets (ROA) | 1.1189% | 1,939 |
| Pretax return on assets | 1.6571% | 1,119 |
| Return on Equity (ROE) | 7.9101% | 3,148 |
| Retained earnings to average equity (ytd only) | 7.9101% | 1,357 |
| Net charge-offs to loans | 0.6149% | 648 |
| Credit loss provision to net charge-offs | 37.1681% | 2,964 |
| Earnings coverage of net charge-offs (x) | 3.4425% | 3,306 |
| Efficiency ratio | 56.2112% | 5,728 |
| Assets per employee ($millions) | 3.3165% | 5,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1658% | 4,587 |
| Loan loss allowance to noncurrent loans | 63.2479% | 4,711 |
| Noncurrent assets plus other real estate owned to assets | 1.9321% | 1,669 |
| Noncurrent loans to loans | 1.8433% | 1,863 |
| Net loans and leases to total assets | 87.3034% | 119 |
| Net loans and leases to deposits | 107.7800% | 252 |
| Net loans and leases to core deposits | 110.8330% | 658 |
| Total domestic deposits to total assets | 81.0015% | 4,979 |
| Equity capital to assets | 14.2413% | 884 |
| Core capital (leverage) ratio | 13.3021% | 1,049 |
| Tier 1 risk-based capital ratio | 18.4342% | 2,090 |
| Total risk-based capital ratio | 19.4331% | 2,145 |
| Memoranda: |
| Average total assets | $42,363,000 | 6,098 |
| Average earning assets | $39,854,670 | 6,047 |
| Average equity | $5,992,330 | 5,722 |
| Average total loans | $36,756,000 | 5,384 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1249% | 571 |
| Cost of funding earning assets | 0.6089% | 1,903 |
| Net interest margin | 4.5160% | 636 |
| Noninterest income to average assets | 0.3525% | 4,554 |
| Noninterest expense to average assets | 2.8389% | 3,422 |
| Loan and lease loss provision to assets | 0.2001% | 1,166 |
| Net operating income to assets | 1.0228% | 2,113 |
| Return on assets (ROA) | 1.0479% | 2,085 |
| Pretax return on assets | 1.5909% | 1,193 |
| Return on Equity (ROE) | 7.4343% | 3,243 |
| Retained earnings to average equity (ytd only) | 7.4343% | 1,847 |
| Net charge-offs to loans | 0.0665% | 2,488 |
| Credit loss provision to net charge-offs | 350.0000% | 711 |
| Earnings coverage of net charge-offs (x) | 30.6667% | 1,039 |
| Efficiency ratio | 58.2988% | 5,618 |
| Assets per employee ($millions) | 3.4972% | 4,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4926% | 3,170 |
| Loan loss allowance to noncurrent loans | 46.4505% | 5,343 |
| Noncurrent assets plus other real estate owned to assets | 3.0834% | 908 |
| Noncurrent loans to loans | 3.2133% | 960 |
| Net loans and leases to total assets | 83.3508% | 274 |
| Net loans and leases to deposits | 97.5323% | 572 |
| Net loans and leases to core deposits | 100.2177% | 1,089 |
| Total domestic deposits to total assets | 85.4597% | 3,639 |
| Equity capital to assets | 14.2687% | 843 |
| Core capital (leverage) ratio | 13.3077% | 1,033 |
| Tier 1 risk-based capital ratio | 18.3837% | 2,153 |
| Total risk-based capital ratio | 19.4176% | 2,197 |
| Memoranda: |
| Average total assets | $41,987,500 | 6,168 |
| Average earning assets | $39,415,500 | 6,117 |
| Average equity | $5,918,500 | 5,767 |
| Average total loans | $36,092,000 | 5,458 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9001% | 1,099 |
| Cost of funding earning assets | 0.6638% | 2,083 |
| Net interest margin | 4.2363% | 1,261 |
| Noninterest income to average assets | 0.2428% | 5,609 |
| Noninterest expense to average assets | 2.5617% | 4,582 |
| Loan and lease loss provision to assets | 0.1942% | 1,910 |
| Net operating income to assets | 0.8878% | 2,840 |
| Return on assets (ROA) | 0.8878% | 2,933 |
| Pretax return on assets | 1.4704% | 1,550 |
| Return on Equity (ROE) | 6.7340% | 3,707 |
| Retained earnings to average equity (ytd only) | 6.5762% | 1,640 |
| Net charge-offs to loans | 0.0641% | 4,312 |
| Credit loss provision to net charge-offs | 365.2174% | 629 |
| Earnings coverage of net charge-offs (x) | 31.3043% | 1,141 |
| Efficiency ratio | 56.9475% | 5,859 |
| Assets per employee ($millions) | 3.2315% | 5,425 |
| Cash dividends to net income (ytd only)* | 2.3438% | 4,248 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4042% | 3,639 |
| Loan loss allowance to noncurrent loans | 30.2941% | 5,939 |
| Noncurrent assets plus other real estate owned to assets | 4.5014% | 557 |
| Noncurrent loans to loans | 4.6353% | 564 |
| Net loans and leases to total assets | 86.0768% | 154 |
| Net loans and leases to deposits | 100.2662% | 467 |
| Net loans and leases to core deposits | 103.0082% | 972 |
| Total domestic deposits to total assets | 85.8483% | 3,337 |
| Equity capital to assets | 13.9232% | 931 |
| Core capital (leverage) ratio | 12.8598% | 1,194 |
| Tier 1 risk-based capital ratio | 16.4014% | 2,901 |
| Total risk-based capital ratio | 17.5319% | 2,923 |
| Memoranda: |
| Average total assets | $43,252,600 | 6,194 |
| Average earning assets | $40,672,400 | 6,152 |
| Average equity | $5,702,400 | 5,880 |
| Average total loans | $35,881,800 | 5,498 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8150% | 1,314 |
| Cost of funding earning assets | 0.6544% | 2,325 |
| Net interest margin | 4.1606% | 1,454 |
| Noninterest income to average assets | 0.2571% | 5,602 |
| Noninterest expense to average assets | 2.5005% | 4,719 |
| Loan and lease loss provision to assets | 0.1928% | 1,891 |
| Net operating income to assets | 0.9886% | 2,420 |
| Return on assets (ROA) | 0.9886% | 2,522 |
| Pretax return on assets | 1.4752% | 1,690 |
| Return on Equity (ROE) | 7.6011% | 3,322 |
| Retained earnings to average equity (ytd only) | 7.3893% | 1,688 |
| Net charge-offs to loans | 0.0897% | 3,677 |
| Credit loss provision to net charge-offs | 262.5000% | 956 |
| Earnings coverage of net charge-offs (x) | 22.7078% | 1,483 |
| Efficiency ratio | 56.2408% | 5,872 |
| Assets per employee ($millions) | 3.5235% | 4,800 |
| Cash dividends to net income (ytd only)* | 2.7864% | 3,681 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2350% | 4,715 |
| Loan loss allowance to noncurrent loans | 55.0223% | 5,012 |
| Noncurrent assets plus other real estate owned to assets | 2.3731% | 1,651 |
| Noncurrent loans to loans | 2.2446% | 1,964 |
| Net loans and leases to total assets | 86.0714% | 149 |
| Net loans and leases to deposits | 108.4743% | 180 |
| Net loans and leases to core deposits | 111.4110% | 523 |
| Total domestic deposits to total assets | 79.3472% | 5,666 |
| Equity capital to assets | 12.6536% | 1,501 |
| Core capital (leverage) ratio | 11.4405% | 2,093 |
| Tier 1 risk-based capital ratio | 18.0593% | 2,302 |
| Total risk-based capital ratio | 19.1766% | 2,316 |
| Memoranda: |
| Average total assets | $43,563,500 | 6,256 |
| Average earning assets | $40,954,500 | 6,211 |
| Average equity | $5,665,750 | 5,956 |
| Average total loans | $35,683,500 | 5,558 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7030% | 1,561 |
| Cost of funding earning assets | 0.6655% | 2,355 |
| Net interest margin | 4.0375% | 1,738 |
| Noninterest income to average assets | 0.3083% | 5,237 |
| Noninterest expense to average assets | 2.5644% | 4,508 |
| Loan and lease loss provision to assets | 0.1962% | 1,938 |
| Net operating income to assets | 0.8688% | 2,956 |
| Return on assets (ROA) | 0.8688% | 3,106 |
| Pretax return on assets | 1.3453% | 2,141 |
| Return on Equity (ROE) | 6.6165% | 3,822 |
| Retained earnings to average equity (ytd only) | 6.2963% | 2,264 |
| Net charge-offs to loans | 0.1342% | 3,032 |
| Credit loss provision to net charge-offs | 182.6087% | 1,302 |
| Earnings coverage of net charge-offs (x) | 14.3478% | 1,830 |
| Efficiency ratio | 58.5893% | 5,655 |
| Assets per employee ($millions) | 4.4867% | 2,832 |
| Cash dividends to net income (ytd only)* | 4.8387% | 3,410 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2745% | 4,624 |
| Loan loss allowance to noncurrent loans | 69.0962% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 1.7608% | 2,476 |
| Noncurrent loans to loans | 1.8445% | 2,570 |
| Net loans and leases to total assets | 81.8374% | 369 |
| Net loans and leases to deposits | 102.2216% | 325 |
| Net loans and leases to core deposits | 105.0196% | 797 |
| Total domestic deposits to total assets | 80.0588% | 5,589 |
| Equity capital to assets | 12.7243% | 1,456 |
| Core capital (leverage) ratio | 11.2935% | 2,094 |
| Tier 1 risk-based capital ratio | 18.2193% | 2,236 |
| Total risk-based capital ratio | 19.3281% | 2,251 |
| Memoranda: |
| Average total assets | $42,816,330 | 6,320 |
| Average earning assets | $40,272,330 | 6,275 |
| Average equity | $5,622,330 | 6,011 |
| Average total loans | $34,272,000 | 5,653 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5726% | 1,919 |
| Cost of funding earning assets | 0.6925% | 2,286 |
| Net interest margin | 3.8801% | 2,181 |
| Noninterest income to average assets | 0.2680% | 5,537 |
| Noninterest expense to average assets | 2.4886% | 4,796 |
| Loan and lease loss provision to assets | 0.2010% | 1,850 |
| Net operating income to assets | 0.7370% | 3,497 |
| Return on assets (ROA) | 0.7370% | 3,633 |
| Pretax return on assets | 1.2251% | 2,487 |
| Return on Equity (ROE) | 5.5207% | 4,306 |
| Retained earnings to average equity (ytd only) | 4.8754% | 3,312 |
| Net charge-offs to loans | 0.2926% | 1,795 |
| Credit loss provision to net charge-offs | 87.5000% | 2,062 |
| Earnings coverage of net charge-offs (x) | 6.2083% | 2,254 |
| Efficiency ratio | 59.4132% | 5,666 |
| Assets per employee ($millions) | 4.1892% | 3,556 |
| Cash dividends to net income (ytd only)* | 11.6883% | 2,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3795% | 4,335 |
| Loan loss allowance to noncurrent loans | 48.0298% | 5,241 |
| Noncurrent assets plus other real estate owned to assets | 2.4110% | 1,929 |
| Noncurrent loans to loans | 2.8722% | 1,762 |
| Net loans and leases to total assets | 76.9646% | 726 |
| Net loans and leases to deposits | 89.0122% | 1,048 |
| Net loans and leases to core deposits | 91.4226% | 1,568 |
| Total domestic deposits to total assets | 86.4652% | 3,261 |
| Equity capital to assets | 13.3868% | 1,253 |
| Core capital (leverage) ratio | 11.6491% | 1,785 |
| Tier 1 risk-based capital ratio | 18.6026% | 2,155 |
| Total risk-based capital ratio | 19.7044% | 2,177 |
| Memoranda: |
| Average total assets | $41,791,000 | 6,410 |
| Average earning assets | $39,277,500 | 6,357 |
| Average equity | $5,579,000 | 6,078 |
| Average total loans | $32,812,000 | 5,761 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9127% | 1,797 |
| Cost of funding earning assets | 0.8689% | 2,149 |
| Net interest margin | 4.0438% | 2,223 |
| Noninterest income to average assets | 0.3425% | 5,011 |
| Noninterest expense to average assets | 2.5726% | 4,848 |
| Loan and lease loss provision to assets | 0.1964% | 3,177 |
| Net operating income to assets | 0.8911% | 2,859 |
| Return on assets (ROA) | 0.8911% | 3,096 |
| Pretax return on assets | 1.3414% | 2,244 |
| Return on Equity (ROE) | 6.9191% | 3,690 |
| Retained earnings to average equity (ytd only) | 6.2681% | 1,930 |
| Net charge-offs to loans | -0.0672% | 6,760 |
| Credit loss provision to net charge-offs | -372.7273% | 6,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6247% | 5,746 |
| Assets per employee ($millions) | 4.1690% | 3,615 |
| Cash dividends to net income (ytd only)* | 9.4086% | 4,088 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3786% | 4,265 |
| Loan loss allowance to noncurrent loans | 63.8537% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 1.8997% | 2,570 |
| Noncurrent loans to loans | 2.1591% | 2,512 |
| Net loans and leases to total assets | 77.9012% | 689 |
| Net loans and leases to deposits | 90.1188% | 1,064 |
| Net loans and leases to core deposits | 92.5693% | 1,589 |
| Total domestic deposits to total assets | 86.4428% | 3,131 |
| Equity capital to assets | 13.3125% | 1,308 |
| Core capital (leverage) ratio | 11.6444% | 1,771 |
| Tier 1 risk-based capital ratio | 17.6529% | 2,399 |
| Total risk-based capital ratio | 18.7595% | 2,426 |
| Memoranda: |
| Average total assets | $41,747,400 | 6,440 |
| Average earning assets | $38,899,400 | 6,399 |
| Average equity | $5,376,400 | 6,185 |
| Average total loans | $32,759,200 | 5,813 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8926% | 2,039 |
| Cost of funding earning assets | 0.9058% | 2,135 |
| Net interest margin | 3.9868% | 2,553 |
| Noninterest income to average assets | 0.3640% | 4,913 |
| Noninterest expense to average assets | 2.5477% | 4,930 |
| Loan and lease loss provision to assets | 0.1947% | 3,141 |
| Net operating income to assets | 1.0312% | 2,362 |
| Return on assets (ROA) | 1.0312% | 2,578 |
| Pretax return on assets | 1.3313% | 2,491 |
| Return on Equity (ROE) | 8.0754% | 3,253 |
| Retained earnings to average equity (ytd only) | 7.4253% | 1,883 |
| Net charge-offs to loans | -0.0937% | 6,837 |
| Credit loss provision to net charge-offs | -265.2174% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5423% | 5,714 |
| Assets per employee ($millions) | 4.6662% | 2,646 |
| Cash dividends to net income (ytd only)* | 8.0504% | 3,504 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2257% | 5,165 |
| Loan loss allowance to noncurrent loans | 123.6467% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 1.1573% | 3,975 |
| Noncurrent loans to loans | 0.9913% | 4,462 |
| Net loans and leases to total assets | 83.2770% | 262 |
| Net loans and leases to deposits | 96.1351% | 652 |
| Net loans and leases to core deposits | 105.0587% | 803 |
| Total domestic deposits to total assets | 86.6249% | 2,900 |
| Equity capital to assets | 13.1393% | 1,523 |
| Core capital (leverage) ratio | 11.4225% | 2,041 |
| Tier 1 risk-based capital ratio | 16.8974% | 2,783 |
| Total risk-based capital ratio | 18.0090% | 2,824 |
| Memoranda: |
| Average total assets | $41,761,750 | 6,516 |
| Average earning assets | $38,860,750 | 6,476 |
| Average equity | $5,333,000 | 6,266 |
| Average total loans | $32,716,250 | 5,895 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6992% | 2,915 |
| Cost of funding earning assets | 0.9502% | 2,064 |
| Net interest margin | 3.7491% | 3,595 |
| Noninterest income to average assets | 0.3694% | 4,877 |
| Noninterest expense to average assets | 2.5334% | 5,023 |
| Loan and lease loss provision to assets | 0.1919% | 3,171 |
| Net operating income to assets | 0.8876% | 2,968 |
| Return on assets (ROA) | 0.8876% | 3,230 |
| Pretax return on assets | 1.1275% | 3,199 |
| Return on Equity (ROE) | 7.0191% | 3,765 |
| Retained earnings to average equity (ytd only) | 6.3362% | 2,481 |
| Net charge-offs to loans | -0.6725% | 7,161 |
| Credit loss provision to net charge-offs | -37.3832% | 5,978 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5193% | 5,327 |
| Assets per employee ($millions) | 4.1079% | 3,648 |
| Cash dividends to net income (ytd only)* | 9.7297% | 3,301 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4479% | 4,256 |
| Loan loss allowance to noncurrent loans | 64.6373% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 2.0838% | 2,682 |
| Noncurrent loans to loans | 2.2401% | 2,685 |
| Net loans and leases to total assets | 82.6797% | 292 |
| Net loans and leases to deposits | 95.3108% | 671 |
| Net loans and leases to core deposits | 97.9213% | 1,284 |
| Total domestic deposits to total assets | 86.7475% | 2,930 |
| Equity capital to assets | 13.0675% | 1,480 |
| Core capital (leverage) ratio | 11.1351% | 2,176 |
| Tier 1 risk-based capital ratio | 17.0634% | 2,643 |
| Total risk-based capital ratio | 18.1718% | 2,662 |
| Memoranda: |
| Average total assets | $41,683,670 | 6,564 |
| Average earning assets | $38,729,670 | 6,523 |
| Average equity | $5,271,330 | 6,311 |
| Average total loans | $31,819,330 | 5,973 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4584% | 4,077 |
| Cost of funding earning assets | 1.0067% | 1,943 |
| Net interest margin | 3.4516% | 4,910 |
| Noninterest income to average assets | 0.3144% | 5,359 |
| Noninterest expense to average assets | 2.4103% | 5,437 |
| Loan and lease loss provision to assets | 0.1334% | 3,688 |
| Net operating income to assets | 0.7812% | 3,468 |
| Return on assets (ROA) | 0.7812% | 3,709 |
| Pretax return on assets | 0.9718% | 3,790 |
| Return on Equity (ROE) | 6.2799% | 4,151 |
| Retained earnings to average equity (ytd only) | 5.5907% | 3,212 |
| Net charge-offs to loans | -0.0131% | 6,034 |
| Credit loss provision to net charge-offs | -1,400.0000% | 5,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9566% | 4,931 |
| Assets per employee ($millions) | 4.4040% | 3,184 |
| Cash dividends to net income (ytd only)* | 10.9756% | 2,527 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2019% | 5,473 |
| Loan loss allowance to noncurrent loans | 40.4185% | 5,591 |
| Noncurrent assets plus other real estate owned to assets | 2.1458% | 2,737 |
| Noncurrent loans to loans | 2.9736% | 2,165 |
| Net loans and leases to total assets | 68.5014% | 2,023 |
| Net loans and leases to deposits | 78.0119% | 2,505 |
| Net loans and leases to core deposits | 78.8232% | 3,209 |
| Total domestic deposits to total assets | 87.8088% | 2,449 |
| Equity capital to assets | 11.9573% | 2,075 |
| Core capital (leverage) ratio | 10.0563% | 3,302 |
| Tier 1 risk-based capital ratio | 17.2292% | 2,589 |
| Total risk-based capital ratio | 18.3212% | 2,617 |
| Memoranda: |
| Average total assets | $41,986,000 | 6,602 |
| Average earning assets | $38,938,000 | 6,564 |
| Average equity | $5,223,000 | 6,355 |
| Average total loans | $30,497,500 | 6,088 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1797% | 2,148 |
| Cost of funding earning assets | 1.2129% | 1,945 |
| Net interest margin | 3.9668% | 3,035 |
| Noninterest income to average assets | 0.3310% | 5,168 |
| Noninterest expense to average assets | 2.7097% | 4,709 |
| Loan and lease loss provision to assets | 0.3898% | 2,654 |
| Net operating income to assets | 0.5900% | 4,053 |
| Return on assets (ROA) | 0.5900% | 4,230 |
| Pretax return on assets | 0.8463% | 3,790 |
| Return on Equity (ROE) | 4.3502% | 4,698 |
| Retained earnings to average equity (ytd only) | 3.6416% | 3,617 |
| Net charge-offs to loans | -0.0103% | 6,890 |
| Credit loss provision to net charge-offs | -4,866.6667% | 6,939 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0731% | 5,115 |
| Assets per employee ($millions) | 3.3277% | 5,438 |
| Cash dividends to net income (ytd only)* | 16.2896% | 3,674 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1490% | 5,629 |
| Loan loss allowance to noncurrent loans | 116.6667% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.9717% | 4,663 |
| Noncurrent loans to loans | 0.9849% | 4,735 |
| Net loans and leases to total assets | 75.4032% | 1,033 |
| Net loans and leases to deposits | 86.9728% | 1,532 |
| Net loans and leases to core deposits | 90.5646% | 2,042 |
| Total domestic deposits to total assets | 86.6974% | 2,916 |
| Equity capital to assets | 12.9721% | 1,500 |
| Core capital (leverage) ratio | 10.8505% | 2,395 |
| Tier 1 risk-based capital ratio | 16.4507% | 2,845 |
| Total risk-based capital ratio | 17.5480% | 2,878 |
| Memoranda: |
| Average total assets | $37,458,200 | 6,756 |
| Average earning assets | $34,133,000 | 6,748 |
| Average equity | $5,080,200 | 6,414 |
| Average total loans | $29,095,800 | 6,199 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1294% | 2,473 |
| Cost of funding earning assets | 1.2425% | 2,045 |
| Net interest margin | 3.8869% | 3,447 |
| Noninterest income to average assets | 0.3438% | 5,114 |
| Noninterest expense to average assets | 2.7687% | 4,469 |
| Loan and lease loss provision to assets | 0.3112% | 3,035 |
| Net operating income to assets | 0.7745% | 3,282 |
| Return on assets (ROA) | 0.7745% | 3,441 |
| Pretax return on assets | 0.7962% | 4,144 |
| Return on Equity (ROE) | 5.6442% | 4,211 |
| Retained earnings to average equity (ytd only) | 4.9321% | 3,218 |
| Net charge-offs to loans | 0.2272% | 4,017 |
| Credit loss provision to net charge-offs | 175.5102% | 1,696 |
| Earnings coverage of net charge-offs (x) | 6.2451% | 2,589 |
| Efficiency ratio | 66.6667% | 4,591 |
| Assets per employee ($millions) | 3.8570% | 4,178 |
| Cash dividends to net income (ytd only)* | 12.6170% | 3,195 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2519% | 5,238 |
| Loan loss allowance to noncurrent loans | 65.9016% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 1.7993% | 3,395 |
| Noncurrent loans to loans | 1.8996% | 3,504 |
| Net loans and leases to total assets | 82.2142% | 337 |
| Net loans and leases to deposits | 97.6654% | 594 |
| Net loans and leases to core deposits | 100.9712% | 1,165 |
| Total domestic deposits to total assets | 84.1794% | 4,141 |
| Equity capital to assets | 13.4042% | 1,410 |
| Core capital (leverage) ratio | 10.8882% | 2,485 |
| Tier 1 risk-based capital ratio | 16.0373% | 3,098 |
| Total risk-based capital ratio | 17.2908% | 3,058 |
| Memoranda: |
| Average total assets | $36,839,750 | 6,830 |
| Average earning assets | $33,479,250 | 6,830 |
| Average equity | $5,055,250 | 6,479 |
| Average total loans | $28,754,750 | 6,271 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9053% | 3,594 |
| Cost of funding earning assets | 1.2643% | 2,153 |
| Net interest margin | 3.6410% | 4,559 |
| Noninterest income to average assets | 0.3530% | 5,068 |
| Noninterest expense to average assets | 2.8073% | 4,402 |
| Loan and lease loss provision to assets | 0.2261% | 3,653 |
| Net operating income to assets | 0.5901% | 4,107 |
| Return on assets (ROA) | 0.5901% | 4,239 |
| Pretax return on assets | 0.6232% | 4,663 |
| Return on Equity (ROE) | 4.2655% | 4,806 |
| Retained earnings to average equity (ytd only) | 3.5479% | 3,984 |
| Net charge-offs to loans | -0.0651% | 7,077 |
| Credit loss provision to net charge-offs | -455.5556% | 6,486 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6440% | 3,810 |
| Assets per employee ($millions) | 3.7796% | 4,253 |
| Cash dividends to net income (ytd only)* | 16.8224% | 2,963 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3631% | 4,758 |
| Loan loss allowance to noncurrent loans | 126.1398% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 1.0927% | 4,704 |
| Noncurrent loans to loans | 1.0806% | 4,862 |
| Net loans and leases to total assets | 79.4555% | 594 |
| Net loans and leases to deposits | 93.7209% | 891 |
| Net loans and leases to core deposits | 96.9055% | 1,593 |
| Total domestic deposits to total assets | 84.7788% | 3,981 |
| Equity capital to assets | 13.4829% | 1,305 |
| Core capital (leverage) ratio | 10.8676% | 2,359 |
| Tier 1 risk-based capital ratio | 16.9645% | 2,541 |
| Total risk-based capital ratio | 18.2197% | 2,504 |
| Memoranda: |
| Average total assets | $36,263,000 | 6,911 |
| Average earning assets | $32,903,000 | 6,909 |
| Average equity | $5,017,000 | 6,522 |
| Average total loans | $27,635,670 | 6,383 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4957% | 5,350 |
| Cost of funding earning assets | 1.3325% | 1,994 |
| Net interest margin | 3.1632% | 6,183 |
| Noninterest income to average assets | 0.3381% | 5,202 |
| Noninterest expense to average assets | 2.8059% | 4,411 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3268% | 5,284 |
| Return on assets (ROA) | 0.3268% | 5,359 |
| Pretax return on assets | 0.3944% | 5,361 |
| Return on Equity (ROE) | 2.3305% | 5,669 |
| Retained earnings to average equity (ytd only) | 1.6072% | 5,149 |
| Net charge-offs to loans | -0.1677% | 7,226 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6901% | 2,272 |
| Assets per employee ($millions) | 3.3165% | 5,437 |
| Cash dividends to net income (ytd only)* | 31.0345% | 1,965 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4102% | 4,610 |
| Loan loss allowance to noncurrent loans | 39.2894% | 5,675 |
| Noncurrent assets plus other real estate owned to assets | 2.7740% | 2,489 |
| Noncurrent loans to loans | 3.5892% | 2,071 |
| Net loans and leases to total assets | 72.0567% | 1,713 |
| Net loans and leases to deposits | 84.0189% | 2,024 |
| Net loans and leases to core deposits | 85.6701% | 2,928 |
| Total domestic deposits to total assets | 85.7625% | 3,658 |
| Equity capital to assets | 13.6674% | 1,118 |
| Core capital (leverage) ratio | 10.9128% | 2,250 |
| Tier 1 risk-based capital ratio | 17.3713% | 2,347 |
| Total risk-based capital ratio | 18.6276% | 2,317 |
| Memoranda: |
| Average total assets | $35,496,500 | 6,983 |
| Average earning assets | $32,119,500 | 6,985 |
| Average equity | $4,977,500 | 6,575 |
| Average total loans | $26,230,500 | 6,516 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3741% | 2,792 |
| Cost of funding earning assets | 1.7431% | 1,409 |
| Net interest margin | 3.6310% | 4,663 |
| Noninterest income to average assets | 0.2790% | 5,786 |
| Noninterest expense to average assets | 2.9297% | 4,109 |
| Loan and lease loss provision to assets | 0.2848% | 4,521 |
| Net operating income to assets | 0.2870% | 4,974 |
| Return on assets (ROA) | 0.2122% | 5,406 |
| Pretax return on assets | 0.2558% | 5,347 |
| Return on Equity (ROE) | 1.4745% | 5,569 |
| Retained earnings to average equity (ytd only) | 0.7474% | 5,182 |
| Net charge-offs to loans | -0.9972% | 7,601 |
| Credit loss provision to net charge-offs | -38.4314% | 6,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7347% | 2,919 |
| Assets per employee ($millions) | 2.8760% | 6,389 |
| Cash dividends to net income (ytd only)* | 49.3151% | 2,110 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4148% | 4,448 |
| Loan loss allowance to noncurrent loans | 100.2747% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 1.3329% | 4,356 |
| Noncurrent loans to loans | 1.4110% | 4,365 |
| Net loans and leases to total assets | 73.6932% | 1,722 |
| Net loans and leases to deposits | 86.4392% | 2,014 |
| Net loans and leases to core deposits | 87.6033% | 3,104 |
| Total domestic deposits to total assets | 85.2544% | 3,732 |
| Equity capital to assets | 14.3979% | 929 |
| Core capital (leverage) ratio | 11.4604% | 1,852 |
| Tier 1 risk-based capital ratio | 18.2035% | 1,939 |
| Total risk-based capital ratio | 19.4602% | 1,899 |
| Memoranda: |
| Average total assets | $34,405,800 | 7,058 |
| Average earning assets | $31,093,400 | 7,047 |
| Average equity | $4,950,800 | 6,678 |
| Average total loans | $25,570,600 | 6,633 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2233% | 3,715 |
| Cost of funding earning assets | 1.7883% | 1,464 |
| Net interest margin | 3.4350% | 5,552 |
| Noninterest income to average assets | 0.2715% | 5,941 |
| Noninterest expense to average assets | 2.8931% | 4,118 |
| Loan and lease loss provision to assets | 0.1745% | 5,297 |
| Net operating income to assets | 0.2977% | 5,179 |
| Return on assets (ROA) | 0.1823% | 5,726 |
| Pretax return on assets | 0.1901% | 5,753 |
| Return on Equity (ROE) | 1.2670% | 5,828 |
| Retained earnings to average equity (ytd only) | 0.5392% | 5,584 |
| Net charge-offs to loans | -0.1359% | 7,586 |
| Credit loss provision to net charge-offs | -173.0769% | 6,938 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7933% | 2,369 |
| Assets per employee ($millions) | 3.8948% | 4,045 |
| Cash dividends to net income (ytd only)* | 57.4438% | 1,342 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4557% | 4,179 |
| Loan loss allowance to noncurrent loans | 50.3259% | 4,931 |
| Noncurrent assets plus other real estate owned to assets | 2.4877% | 2,884 |
| Noncurrent loans to loans | 2.8926% | 2,759 |
| Net loans and leases to total assets | 74.5443% | 1,678 |
| Net loans and leases to deposits | 88.0094% | 2,008 |
| Net loans and leases to core deposits | 89.1778% | 3,215 |
| Total domestic deposits to total assets | 84.7003% | 3,772 |
| Equity capital to assets | 14.1471% | 1,122 |
| Core capital (leverage) ratio | 11.1511% | 2,159 |
| Tier 1 risk-based capital ratio | 18.2384% | 1,951 |
| Total risk-based capital ratio | 19.4891% | 1,910 |
| Memoranda: |
| Average total assets | $34,379,250 | 7,151 |
| Average earning assets | $31,090,500 | 7,133 |
| Average equity | $4,946,250 | 6,770 |
| Average total loans | $25,513,750 | 6,725 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2363% | 3,783 |
| Cost of funding earning assets | 1.8168% | 1,581 |
| Net interest margin | 3.4195% | 5,563 |
| Noninterest income to average assets | 0.2284% | 6,277 |
| Noninterest expense to average assets | 2.8225% | 4,386 |
| Loan and lease loss provision to assets | 0.1405% | 5,489 |
| Net operating income to assets | 0.3572% | 4,940 |
| Return on assets (ROA) | 0.1757% | 5,774 |
| Pretax return on assets | 0.1698% | 5,846 |
| Return on Equity (ROE) | 1.2141% | 5,890 |
| Retained earnings to average equity (ytd only) | 0.4856% | 5,568 |
| Net charge-offs to loans | -0.1986% | 7,643 |
| Credit loss provision to net charge-offs | -96.0000% | 6,672 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1519% | 2,553 |
| Assets per employee ($millions) | 4.3631% | 3,107 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,314 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4041% | 4,400 |
| Loan loss allowance to noncurrent loans | 58.0952% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 2.1200% | 3,348 |
| Noncurrent loans to loans | 2.4169% | 3,233 |
| Net loans and leases to total assets | 73.6284% | 1,995 |
| Net loans and leases to deposits | 86.4476% | 2,437 |
| Net loans and leases to core deposits | 92.4627% | 2,924 |
| Total domestic deposits to total assets | 85.1712% | 3,534 |
| Equity capital to assets | 14.1813% | 1,111 |
| Core capital (leverage) ratio | 11.1207% | 2,152 |
| Tier 1 risk-based capital ratio | 17.8800% | 1,988 |
| Total risk-based capital ratio | 19.1346% | 1,953 |
| Memoranda: |
| Average total assets | $34,154,670 | 7,205 |
| Average earning assets | $30,823,000 | 7,196 |
| Average equity | $4,942,000 | 6,798 |
| Average total loans | $25,179,670 | 6,792 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3600% | 3,240 |
| Cost of funding earning assets | 1.8392% | 1,700 |
| Net interest margin | 3.5208% | 5,083 |
| Noninterest income to average assets | 0.2131% | 6,443 |
| Noninterest expense to average assets | 2.8420% | 4,313 |
| Loan and lease loss provision to assets | 0.2368% | 4,151 |
| Net operating income to assets | 0.2605% | 5,449 |
| Return on assets (ROA) | 0.2605% | 5,575 |
| Pretax return on assets | 0.3079% | 5,577 |
| Return on Equity (ROE) | 1.7821% | 5,844 |
| Retained earnings to average equity (ytd only) | 1.0531% | 5,392 |
| Net charge-offs to loans | 0.3234% | 3,117 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 2.3000% | 3,390 |
| Efficiency ratio | 77.9720% | 2,902 |
| Assets per employee ($millions) | 4.3336% | 3,234 |
| Cash dividends to net income (ytd only)* | 40.9091% | 1,728 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2809% | 5,039 |
| Loan loss allowance to noncurrent loans | 33.9056% | 6,130 |
| Noncurrent assets plus other real estate owned to assets | 2.6883% | 2,711 |
| Noncurrent loans to loans | 3.7779% | 2,097 |
| Net loans and leases to total assets | 70.2472% | 2,868 |
| Net loans and leases to deposits | 84.6271% | 2,831 |
| Net loans and leases to core deposits | 85.7747% | 3,935 |
| Total domestic deposits to total assets | 83.0079% | 4,624 |
| Equity capital to assets | 14.2231% | 1,090 |
| Core capital (leverage) ratio | 11.0759% | 2,186 |
| Tier 1 risk-based capital ratio | 18.3140% | 1,870 |
| Total risk-based capital ratio | 19.5698% | 1,834 |
| Memoranda: |
| Average total assets | $33,779,500 | 7,317 |
| Average earning assets | $30,448,000 | 7,301 |
| Average equity | $4,938,000 | 6,866 |
| Average total loans | $24,736,500 | 6,897 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6965% | 3,116 |
| Cost of funding earning assets | 2.1565% | 2,207 |
| Net interest margin | 3.5399% | 4,777 |
| Noninterest income to average assets | 0.4065% | 5,147 |
| Noninterest expense to average assets | 3.5688% | 2,223 |
| Loan and lease loss provision to assets | 1.8247% | 1,234 |
| Net operating income to assets | -1.1234% | 6,659 |
| Return on assets (ROA) | -1.1234% | 6,668 |
| Pretax return on assets | -1.8185% | 6,867 |
| Return on Equity (ROE) | -8.3858% | 6,500 |
| Retained earnings to average equity (ytd only) | -8.9881% | 6,425 |
| Net charge-offs to loans | 2.1664% | 1,111 |
| Credit loss provision to net charge-offs | 112.2137% | 4,887 |
| Earnings coverage of net charge-offs (x) | 0.0038% | 6,190 |
| Efficiency ratio | 93.9236% | 1,419 |
| Assets per employee ($millions) | 3.6544% | 4,635 |
| Cash dividends to net income (ytd only)* | -7.1823% | 7,570 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2821% | 4,859 |
| Loan loss allowance to noncurrent loans | 59.3284% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 1.7452% | 3,749 |
| Noncurrent loans to loans | 2.1610% | 3,441 |
| Net loans and leases to total assets | 74.4451% | 2,154 |
| Net loans and leases to deposits | 90.7188% | 2,096 |
| Net loans and leases to core deposits | 127.0826% | 1,446 |
| Total domestic deposits to total assets | 82.0614% | 4,921 |
| Equity capital to assets | 15.0350% | 903 |
| Core capital (leverage) ratio | 11.5273% | 1,902 |
| Tier 1 risk-based capital ratio | 19.0479% | 1,647 |
| Total risk-based capital ratio | 20.2459% | 1,620 |
| Memoranda: |
| Average total assets | $32,223,800 | 7,391 |
| Average earning assets | $28,842,400 | 7,401 |
| Average equity | $4,316,800 | 7,168 |
| Average total loans | $24,187,400 | 6,959 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6358% | 3,667 |
| Cost of funding earning assets | 2.2366% | 2,248 |
| Net interest margin | 3.3991% | 5,269 |
| Noninterest income to average assets | 0.4242% | 5,100 |
| Noninterest expense to average assets | 3.5893% | 2,044 |
| Loan and lease loss provision to assets | 0.3161% | 4,448 |
| Net operating income to assets | -0.4409% | 6,368 |
| Return on assets (ROA) | -0.4409% | 6,368 |
| Pretax return on assets | -0.4409% | 6,240 |
| Return on Equity (ROE) | -3.3976% | 6,287 |
| Retained earnings to average equity (ytd only) | -3.9425% | 6,104 |
| Net charge-offs to loans | 0.7378% | 2,519 |
| Credit loss provision to net charge-offs | 57.1429% | 6,213 |
| Earnings coverage of net charge-offs (x) | -0.2256% | 6,308 |
| Efficiency ratio | 97.4790% | 1,189 |
| Assets per employee ($millions) | 3.4839% | 4,969 |
| Cash dividends to net income (ytd only)* | -16.0405% | 7,820 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7380% | 7,291 |
| Loan loss allowance to noncurrent loans | 15.7005% | 7,297 |
| Noncurrent assets plus other real estate owned to assets | 3.5650% | 1,852 |
| Noncurrent loans to loans | 4.7005% | 1,460 |
| Net loans and leases to total assets | 75.2834% | 2,162 |
| Net loans and leases to deposits | 107.8454% | 565 |
| Net loans and leases to core deposits | 115.4198% | 2,678 |
| Total domestic deposits to total assets | 69.8068% | 7,432 |
| Equity capital to assets | 12.0928% | 2,192 |
| Core capital (leverage) ratio | 8.9920% | 4,662 |
| Tier 1 risk-based capital ratio | 13.0005% | 4,195 |
| Total risk-based capital ratio | 13.8383% | 4,433 |
| Memoranda: |
| Average total assets | $32,057,250 | 7,462 |
| Average earning assets | $28,673,250 | 7,476 |
| Average equity | $4,159,750 | 7,297 |
| Average total loans | $24,033,500 | 7,028 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8971% | 2,595 |
| Cost of funding earning assets | 2.3819% | 2,042 |
| Net interest margin | 3.5151% | 4,734 |
| Noninterest income to average assets | 0.5204% | 4,272 |
| Noninterest expense to average assets | 2.9939% | 4,109 |
| Loan and lease loss provision to assets | 0.0514% | 6,712 |
| Net operating income to assets | 0.6039% | 3,657 |
| Return on assets (ROA) | 0.6039% | 3,768 |
| Pretax return on assets | 0.6039% | 4,311 |
| Return on Equity (ROE) | 4.5389% | 4,284 |
| Retained earnings to average equity (ytd only) | 4.1043% | 3,009 |
| Net charge-offs to loans | 0.3873% | 3,262 |
| Credit loss provision to net charge-offs | 17.7778% | 6,147 |
| Earnings coverage of net charge-offs (x) | 2.2667% | 3,935 |
| Efficiency ratio | 82.0423% | 2,717 |
| Assets per employee ($millions) | 3.1693% | 5,664 |
| Cash dividends to net income (ytd only)* | 9.5745% | 3,405 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8448% | 6,998 |
| Loan loss allowance to noncurrent loans | 19.5255% | 7,157 |
| Noncurrent assets plus other real estate owned to assets | 4.0103% | 1,479 |
| Noncurrent loans to loans | 4.3267% | 1,505 |
| Net loans and leases to total assets | 79.2509% | 1,474 |
| Net loans and leases to deposits | 102.6189% | 1,026 |
| Net loans and leases to core deposits | 137.8011% | 1,114 |
| Total domestic deposits to total assets | 77.2284% | 6,273 |
| Equity capital to assets | 13.8832% | 1,349 |
| Core capital (leverage) ratio | 10.5939% | 2,733 |
| Tier 1 risk-based capital ratio | 13.7969% | 3,627 |
| Total risk-based capital ratio | 14.7099% | 3,780 |
| Memoranda: |
| Average total assets | $31,130,000 | 7,562 |
| Average earning assets | $27,708,670 | 7,573 |
| Average equity | $4,142,000 | 7,363 |
| Average total loans | $23,237,000 | 7,134 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9871% | 2,411 |
| Cost of funding earning assets | 2.6139% | 1,519 |
| Net interest margin | 3.3732% | 5,243 |
| Noninterest income to average assets | 0.4668% | 4,618 |
| Noninterest expense to average assets | 3.1379% | 3,238 |
| Loan and lease loss provision to assets | -0.0778% | 8,198 |
| Net operating income to assets | 0.4020% | 4,849 |
| Return on assets (ROA) | 0.4020% | 5,033 |
| Pretax return on assets | 0.4020% | 5,391 |
| Return on Equity (ROE) | 3.0900% | 5,334 |
| Retained earnings to average equity (ytd only) | 3.0900% | 4,156 |
| Net charge-offs to loans | 0.3966% | 2,511 |
| Credit loss provision to net charge-offs | -27.2727% | 6,151 |
| Earnings coverage of net charge-offs (x) | 1.1364% | 4,183 |
| Efficiency ratio | 90.6367% | 1,678 |
| Assets per employee ($millions) | 2.9483% | 6,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0140% | 6,089 |
| Loan loss allowance to noncurrent loans | 64.6377% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 1.5636% | 3,586 |
| Noncurrent loans to loans | 1.5687% | 3,927 |
| Net loans and leases to total assets | 73.8392% | 2,795 |
| Net loans and leases to deposits | 91.3861% | 2,714 |
| Net loans and leases to core deposits | 116.7355% | 2,715 |
| Total domestic deposits to total assets | 80.7991% | 5,042 |
| Equity capital to assets | 14.7441% | 1,172 |
| Core capital (leverage) ratio | 10.2264% | 3,175 |
| Tier 1 risk-based capital ratio | 14.6470% | 3,232 |
| Total risk-based capital ratio | 15.7595% | 3,230 |
| Memoranda: |
| Average total assets | $30,848,500 | 7,611 |
| Average earning assets | $27,392,000 | 7,632 |
| Average equity | $4,013,000 | 7,453 |
| Average total loans | $22,190,000 | 7,241 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.8227% | 1,606 |
| Cost of funding earning assets | 3.3587% | 787 |
| Net interest margin | 3.4640% | 5,422 |
| Noninterest income to average assets | 6.9957% | 96 |
| Noninterest expense to average assets | 3.0744% | 3,805 |
| Loan and lease loss provision to assets | 6.3703% | 51 |
| Net operating income to assets | 0.5306% | 4,615 |
| Return on assets (ROA) | 0.5306% | 4,467 |
| Pretax return on assets | 0.6711% | 4,479 |
| Return on Equity (ROE) | 5.5053% | 4,157 |
| Retained earnings to average equity (ytd only) | 5.5053% | 1,764 |
| Net charge-offs to loans | 8.3590% | 22 |
| Credit loss provision to net charge-offs | 104.2553% | 5,127 |
| Earnings coverage of net charge-offs (x) | 1.1524% | 5,547 |
| Efficiency ratio | 28.0306% | 8,238 |
| Assets per employee ($millions) | 3.5793% | 4,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1212% | 5,120 |
| Loan loss allowance to noncurrent loans | 54.6841% | 5,240 |
| Noncurrent assets plus other real estate owned to assets | 1.6918% | 2,870 |
| Noncurrent loans to loans | 2.0503% | 2,695 |
| Net loans and leases to total assets | 68.7155% | 4,315 |
| Net loans and leases to deposits | 81.8185% | 4,754 |
| Net loans and leases to core deposits | 113.4365% | 3,402 |
| Total domestic deposits to total assets | 83.9852% | 3,327 |
| Equity capital to assets | 11.4205% | 2,687 |
| Core capital (leverage) ratio | 9.2398% | 4,379 |
| Tier 1 risk-based capital ratio | 13.3852% | 3,878 |
| Total risk-based capital ratio | 14.5418% | 3,847 |
| Memoranda: |
| Average total assets | $28,460,400 | 7,706 |
| Average earning assets | $25,635,000 | 7,708 |
| Average equity | $2,742,800 | 7,917 |
| Average total loans | $20,803,800 | 7,276 |
