Home > Stanton State Bank > Performance and Condition Ratios
Stanton State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6745% | 4,295 |
| Cost of funding earning assets | 1.0954% | 3,081 |
| Net interest margin | 2.5791% | 3,992 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 2.5237% | 2,236 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.1244% | 4,230 |
| Return on assets (ROA) | 0.1244% | 4,254 |
| Pretax return on assets | 0.1414% | 4,245 |
| Return on Equity (ROE) | 1.6800% | 4,185 |
| Retained earnings to average equity (ytd only) | 1.6775% | 3,660 |
| Net charge-offs to loans | 0.0068% | 2,424 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 41.5000% | 1,423 |
| Efficiency ratio | 94.6931% | 286 |
| Assets per employee ($millions) | 5.3549% | 3,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3245% | 1,663 |
| Loan loss allowance to noncurrent loans | 1,928.5714% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.0357% | 3,398 |
| Noncurrent loans to loans | 0.0687% | 3,221 |
| Net loans and leases to total assets | 51.2200% | 3,529 |
| Net loans and leases to deposits | 55.7026% | 3,726 |
| Net loans and leases to core deposits | 58.7286% | 3,808 |
| Total domestic deposits to total assets | 91.9600% | 316 |
| Equity capital to assets | 7.8857% | 3,493 |
| Core capital (leverage) ratio | 8.9910% | 3,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2961% | 1,027 |
| Memoranda: | ||
| Average total assets | $58,683,400 | 4,223 |
| Average earning assets | $54,864,600 | 4,197 |
| Average equity | $4,351,800 | 4,322 |
| Average total loans | $29,364,800 | 4,146 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5440% | 4,352 |
| Cost of funding earning assets | 1.0049% | 3,024 |
| Net interest margin | 2.5391% | 4,102 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 2.3719% | 2,588 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.2615% | 4,163 |
| Return on assets (ROA) | 0.2615% | 4,166 |
| Pretax return on assets | 0.2615% | 4,196 |
| Return on Equity (ROE) | 3.5800% | 4,033 |
| Retained earnings to average equity (ytd only) | 3.5837% | 3,358 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 90.0691% | 374 |
| Assets per employee ($millions) | 5.2609% | 3,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2813% | 1,956 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 54.0500% | 3,357 |
| Net loans and leases to deposits | 58.6350% | 3,575 |
| Net loans and leases to core deposits | 62.1042% | 3,611 |
| Total domestic deposits to total assets | 92.1800% | 420 |
| Equity capital to assets | 7.6827% | 3,253 |
| Core capital (leverage) ratio | 9.3637% | 3,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4162% | 1,031 |
| Memoranda: | ||
| Average total assets | $58,628,250 | 4,239 |
| Average earning assets | $54,927,250 | 4,217 |
| Average equity | $4,278,500 | 4,336 |
| Average total loans | $29,061,500 | 4,170 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3617% | 4,435 |
| Cost of funding earning assets | 0.8722% | 3,023 |
| Net interest margin | 2.4895% | 4,216 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 2.3981% | 2,493 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.1800% | 4,305 |
| Return on assets (ROA) | 0.1800% | 4,326 |
| Pretax return on assets | 0.1800% | 4,342 |
| Return on Equity (ROE) | 2.5100% | 4,216 |
| Retained earnings to average equity (ytd only) | 2.5103% | 3,599 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 93.0171% | 285 |
| Assets per employee ($millions) | 5.4301% | 3,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3483% | 1,722 |
| Loan loss allowance to noncurrent loans | 8,120.0000% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 3,770 |
| Noncurrent loans to loans | 0.0166% | 3,649 |
| Net loans and leases to total assets | 49.7300% | 3,580 |
| Net loans and leases to deposits | 53.6326% | 3,768 |
| Net loans and leases to core deposits | 55.3566% | 3,834 |
| Total domestic deposits to total assets | 92.7300% | 293 |
| Equity capital to assets | 7.1839% | 3,698 |
| Core capital (leverage) ratio | 9.2709% | 3,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1248% | 938 |
| Memoranda: | ||
| Average total assets | $58,881,000 | 4,261 |
| Average earning assets | $55,031,333 | 4,237 |
| Average equity | $4,222,667 | 4,370 |
| Average total loans | $28,186,667 | 4,194 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2223% | 4,478 |
| Cost of funding earning assets | 0.7578% | 2,876 |
| Net interest margin | 2.4646% | 4,337 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 2.5318% | 2,162 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.0137% | 4,472 |
| Return on assets (ROA) | 0.0137% | 4,458 |
| Pretax return on assets | 0.0137% | 4,445 |
| Return on Equity (ROE) | 0.1900% | 4,438 |
| Retained earnings to average equity (ytd only) | 0.1910% | 3,990 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 99.4624% | 181 |
| Assets per employee ($millions) | 5.3232% | 3,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4379% | 1,466 |
| Loan loss allowance to noncurrent loans | 8,140.0000% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 3,791 |
| Noncurrent loans to loans | 0.0177% | 3,663 |
| Net loans and leases to total assets | 47.6500% | 3,656 |
| Net loans and leases to deposits | 51.9090% | 3,797 |
| Net loans and leases to core deposits | 51.9090% | 3,918 |
| Total domestic deposits to total assets | 91.7900% | 569 |
| Equity capital to assets | 7.3060% | 3,669 |
| Core capital (leverage) ratio | 9.0938% | 3,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8916% | 865 |
| Memoranda: | ||
| Average total assets | $58,456,000 | 4,324 |
| Average earning assets | $54,370,500 | 4,303 |
| Average equity | $4,188,500 | 4,434 |
| Average total loans | $27,224,000 | 4,262 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6229% | 4,448 |
| Cost of funding earning assets | 0.3057% | 2,828 |
| Net interest margin | 2.3173% | 4,416 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 2.1947% | 3,042 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.1644% | 4,472 |
| Return on assets (ROA) | 0.1644% | 4,455 |
| Pretax return on assets | 0.2175% | 4,431 |
| Return on Equity (ROE) | 2.2700% | 4,363 |
| Retained earnings to average equity (ytd only) | 2.2674% | 3,925 |
| Net charge-offs to loans | -0.0040% | 3,581 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 90.9842% | 277 |
| Assets per employee ($millions) | 5.8357% | 2,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5569% | 1,056 |
| Loan loss allowance to noncurrent loans | 1,938.0952% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.0360% | 3,442 |
| Noncurrent loans to loans | 0.0803% | 3,183 |
| Net loans and leases to total assets | 44.1000% | 3,891 |
| Net loans and leases to deposits | 47.4439% | 3,992 |
| Net loans and leases to core deposits | 47.6645% | 4,068 |
| Total domestic deposits to total assets | 92.9500% | 416 |
| Equity capital to assets | 7.0240% | 3,648 |
| Core capital (leverage) ratio | 9.4056% | 3,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4161% | 784 |
| Memoranda: | ||
| Average total assets | $60,237,000 | 4,334 |
| Average earning assets | $56,273,000 | 4,305 |
| Average equity | $4,366,200 | 4,494 |
| Average total loans | $25,272,600 | 4,321 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4777% | 4,460 |
| Cost of funding earning assets | 0.2299% | 2,928 |
| Net interest margin | 2.2477% | 4,440 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 2.0821% | 3,259 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2701% | 4,418 |
| Return on assets (ROA) | 0.2701% | 4,376 |
| Pretax return on assets | 0.2701% | 4,406 |
| Return on Equity (ROE) | 3.7000% | 4,199 |
| Retained earnings to average equity (ytd only) | 3.6994% | 3,555 |
| Net charge-offs to loans | -0.0053% | 3,495 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 88.5154% | 368 |
| Assets per employee ($millions) | 6.0156% | 2,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4934% | 1,309 |
| Loan loss allowance to noncurrent loans | 3,130.7692% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.0216% | 3,728 |
| Noncurrent loans to loans | 0.0477% | 3,537 |
| Net loans and leases to total assets | 44.6300% | 3,841 |
| Net loans and leases to deposits | 47.8581% | 3,960 |
| Net loans and leases to core deposits | 48.0732% | 4,028 |
| Total domestic deposits to total assets | 93.2500% | 515 |
| Equity capital to assets | 6.7425% | 3,643 |
| Core capital (leverage) ratio | 9.0221% | 3,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0621% | 855 |
| Memoranda: | ||
| Average total assets | $60,707,000 | 4,365 |
| Average earning assets | $56,826,500 | 4,332 |
| Average equity | $4,433,000 | 4,532 |
| Average total loans | $25,055,250 | 4,356 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3261% | 4,504 |
| Cost of funding earning assets | 0.2035% | 2,869 |
| Net interest margin | 2.1226% | 4,501 |
| Noninterest income to average assets | 0.2595% | 3,619 |
| Noninterest expense to average assets | 2.1251% | 3,082 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1215% | 4,496 |
| Return on assets (ROA) | 0.1215% | 4,463 |
| Pretax return on assets | 0.1215% | 4,469 |
| Return on Equity (ROE) | 1.6233% | 4,390 |
| Retained earnings to average equity (ytd only) | 1.6233% | 3,847 |
| Net charge-offs to loans | -0.0082% | 3,518 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5906% | 278 |
| Assets per employee ($millions) | 6.2337% | 2,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7043% | 951 |
| Loan loss allowance to noncurrent loans | 2,713.3333% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.0241% | 3,753 |
| Noncurrent loans to loans | 0.0628% | 3,488 |
| Net loans and leases to total assets | 37.6566% | 4,184 |
| Net loans and leases to deposits | 40.4278% | 4,256 |
| Net loans and leases to core deposits | 40.6026% | 4,304 |
| Total domestic deposits to total assets | 93.1453% | 481 |
| Equity capital to assets | 6.8451% | 3,844 |
| Core capital (leverage) ratio | 8.5616% | 3,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0666% | 706 |
| Memoranda: | ||
| Average total assets | $60,890,667 | 4,406 |
| Average earning assets | $57,006,000 | 4,386 |
| Average equity | $4,558,667 | 4,564 |
| Average total loans | $24,322,667 | 4,424 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1890% | 4,537 |
| Cost of funding earning assets | 0.1919% | 2,913 |
| Net interest margin | 1.9971% | 4,519 |
| Noninterest income to average assets | 0.2260% | 3,802 |
| Noninterest expense to average assets | 2.1008% | 3,139 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.0066% | 4,552 |
| Return on assets (ROA) | -0.0066% | 4,533 |
| Pretax return on assets | -0.0066% | 4,524 |
| Return on Equity (ROE) | -0.0850% | 4,534 |
| Retained earnings to average equity (ytd only) | -0.0850% | 4,022 |
| Net charge-offs to loans | -0.0163% | 3,801 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.3175% | 240 |
| Assets per employee ($millions) | 6.2114% | 2,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6790% | 1,088 |
| Loan loss allowance to noncurrent loans | 2,261.1111% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.0290% | 3,752 |
| Noncurrent loans to loans | 0.0743% | 3,476 |
| Net loans and leases to total assets | 38.3698% | 4,100 |
| Net loans and leases to deposits | 41.3423% | 4,187 |
| Net loans and leases to core deposits | 41.5224% | 4,260 |
| Total domestic deposits to total assets | 92.8100% | 320 |
| Equity capital to assets | 7.1803% | 4,112 |
| Core capital (leverage) ratio | 8.6692% | 3,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9197% | 766 |
| Memoranda: | ||
| Average total assets | $60,167,500 | 4,433 |
| Average earning assets | $56,281,500 | 4,420 |
| Average equity | $4,704,500 | 4,592 |
| Average total loans | $24,543,500 | 4,433 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1092% | 3,668 |
| Cost of funding earning assets | 0.2778% | 2,623 |
| Net interest margin | 2.8315% | 3,597 |
| Noninterest income to average assets | 0.2738% | 3,758 |
| Noninterest expense to average assets | 2.4166% | 2,439 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3674% | 4,318 |
| Return on assets (ROA) | 0.3674% | 4,350 |
| Pretax return on assets | 0.4681% | 4,297 |
| Return on Equity (ROE) | 4.1260% | 4,193 |
| Retained earnings to average equity (ytd only) | 4.1260% | 3,176 |
| Net charge-offs to loans | 0.0077% | 2,292 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 132.5000% | 732 |
| Efficiency ratio | 83.7722% | 584 |
| Assets per employee ($millions) | 5.8221% | 2,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6340% | 1,185 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 41.9797% | 3,979 |
| Net loans and leases to deposits | 45.9651% | 4,092 |
| Net loans and leases to core deposits | 45.9651% | 4,184 |
| Total domestic deposits to total assets | 91.3296% | 375 |
| Equity capital to assets | 8.5004% | 4,049 |
| Core capital (leverage) ratio | 8.8376% | 3,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5537% | 957 |
| Memoranda: | ||
| Average total assets | $56,609,000 | 4,494 |
| Average earning assets | $52,199,200 | 4,484 |
| Average equity | $5,041,200 | 4,629 |
| Average total loans | $25,930,600 | 4,460 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3636% | 3,209 |
| Cost of funding earning assets | 0.2941% | 2,650 |
| Net interest margin | 3.0695% | 3,128 |
| Noninterest income to average assets | 0.2704% | 3,796 |
| Noninterest expense to average assets | 2.2678% | 2,841 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8255% | 3,454 |
| Return on assets (ROA) | 0.8255% | 3,525 |
| Pretax return on assets | 0.8255% | 3,843 |
| Return on Equity (ROE) | 9.1620% | 3,059 |
| Retained earnings to average equity (ytd only) | 9.1620% | 1,632 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3129% | 1,278 |
| Assets per employee ($millions) | 5.7854% | 2,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6223% | 1,280 |
| Loan loss allowance to noncurrent loans | 20,400.0000% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 4,243 |
| Noncurrent loans to loans | 0.0080% | 4,150 |
| Net loans and leases to total assets | 42.7663% | 4,042 |
| Net loans and leases to deposits | 47.0389% | 4,174 |
| Net loans and leases to core deposits | 47.0389% | 4,280 |
| Total domestic deposits to total assets | 90.9168% | 396 |
| Equity capital to assets | 8.9259% | 3,902 |
| Core capital (leverage) ratio | 9.0987% | 3,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5963% | 1,024 |
| Memoranda: | ||
| Average total assets | $56,206,000 | 4,556 |
| Average earning assets | $51,689,250 | 4,552 |
| Average equity | $5,064,250 | 4,697 |
| Average total loans | $26,201,500 | 4,508 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8215% | 2,014 |
| Cost of funding earning assets | 0.3035% | 2,745 |
| Net interest margin | 3.5180% | 1,808 |
| Noninterest income to average assets | 0.2839% | 3,726 |
| Noninterest expense to average assets | 2.3286% | 2,681 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2038% | 2,183 |
| Return on assets (ROA) | 1.2038% | 2,253 |
| Pretax return on assets | 1.2038% | 2,902 |
| Return on Equity (ROE) | 13.3174% | 1,619 |
| Retained earnings to average equity (ytd only) | 13.3174% | 665 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9207% | 2,168 |
| Assets per employee ($millions) | 5.6846% | 2,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5338% | 1,482 |
| Loan loss allowance to noncurrent loans | 20,400.0000% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 4,304 |
| Noncurrent loans to loans | 0.0075% | 4,207 |
| Net loans and leases to total assets | 46.0771% | 3,900 |
| Net loans and leases to deposits | 50.8020% | 4,060 |
| Net loans and leases to core deposits | 50.8020% | 4,196 |
| Total domestic deposits to total assets | 90.6994% | 480 |
| Equity capital to assets | 9.1053% | 3,707 |
| Core capital (leverage) ratio | 9.0383% | 3,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4975% | 1,037 |
| Memoranda: | ||
| Average total assets | $55,656,667 | 4,590 |
| Average earning assets | $51,393,333 | 4,581 |
| Average equity | $5,031,000 | 4,727 |
| Average total loans | $26,552,000 | 4,538 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2195% | 1,162 |
| Cost of funding earning assets | 0.3149% | 2,840 |
| Net interest margin | 3.9046% | 980 |
| Noninterest income to average assets | 0.2615% | 3,828 |
| Noninterest expense to average assets | 2.5571% | 2,000 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3076% | 1,805 |
| Return on assets (ROA) | 1.3076% | 1,886 |
| Pretax return on assets | 1.3076% | 2,554 |
| Return on Equity (ROE) | 14.5205% | 1,325 |
| Retained earnings to average equity (ytd only) | 14.5205% | 689 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1654% | 2,207 |
| Assets per employee ($millions) | 6.2510% | 2,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5463% | 1,439 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 46.1739% | 3,946 |
| Net loans and leases to deposits | 50.8436% | 4,115 |
| Net loans and leases to core deposits | 50.8436% | 4,251 |
| Total domestic deposits to total assets | 90.8157% | 467 |
| Equity capital to assets | 8.9390% | 3,741 |
| Core capital (leverage) ratio | 9.0998% | 3,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0895% | 1,270 |
| Memoranda: | ||
| Average total assets | $55,062,000 | 4,614 |
| Average earning assets | $50,812,000 | 4,604 |
| Average equity | $4,958,500 | 4,748 |
| Average total loans | $26,527,500 | 4,556 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6599% | 3,678 |
| Cost of funding earning assets | 0.4963% | 2,973 |
| Net interest margin | 3.1636% | 3,457 |
| Noninterest income to average assets | 0.3130% | 3,593 |
| Noninterest expense to average assets | 2.7057% | 2,222 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.4127% | 4,219 |
| Return on assets (ROA) | 0.4127% | 4,300 |
| Pretax return on assets | 0.5304% | 4,216 |
| Return on Equity (ROE) | 4.2661% | 4,095 |
| Retained earnings to average equity (ytd only) | 4.2661% | 2,671 |
| Net charge-offs to loans | 0.0037% | 3,232 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 266.0000% | 375 |
| Efficiency ratio | 83.6106% | 662 |
| Assets per employee ($millions) | 5.3865% | 2,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5298% | 1,483 |
| Loan loss allowance to noncurrent loans | 1,360.0000% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.0557% | 4,063 |
| Noncurrent loans to loans | 0.1125% | 3,839 |
| Net loans and leases to total assets | 48.7552% | 3,922 |
| Net loans and leases to deposits | 53.8365% | 4,119 |
| Net loans and leases to core deposits | 53.8365% | 4,263 |
| Total domestic deposits to total assets | 90.5616% | 349 |
| Equity capital to assets | 9.0745% | 3,991 |
| Core capital (leverage) ratio | 9.0689% | 3,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2348% | 1,205 |
| Memoranda: | ||
| Average total assets | $50,152,600 | 4,652 |
| Average earning assets | $46,339,800 | 4,644 |
| Average equity | $4,852,200 | 4,769 |
| Average total loans | $26,707,800 | 4,585 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7636% | 3,657 |
| Cost of funding earning assets | 0.5347% | 3,026 |
| Net interest margin | 3.2289% | 3,396 |
| Noninterest income to average assets | 0.2871% | 3,767 |
| Noninterest expense to average assets | 2.6030% | 2,521 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.6609% | 3,593 |
| Return on assets (ROA) | 0.6609% | 3,697 |
| Pretax return on assets | 0.6609% | 3,982 |
| Return on Equity (ROE) | 6.7171% | 3,306 |
| Retained earnings to average equity (ytd only) | 6.7171% | 1,808 |
| Net charge-offs to loans | 0.0050% | 2,963 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 244.0000% | 421 |
| Efficiency ratio | 79.7510% | 884 |
| Assets per employee ($millions) | 5.2476% | 2,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4965% | 1,387 |
| Loan loss allowance to noncurrent loans | 306.7669% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.2534% | 3,165 |
| Noncurrent loans to loans | 0.4878% | 2,600 |
| Net loans and leases to total assets | 51.1758% | 4,022 |
| Net loans and leases to deposits | 56.6884% | 4,222 |
| Net loans and leases to core deposits | 56.6884% | 4,351 |
| Total domestic deposits to total assets | 90.2756% | 338 |
| Equity capital to assets | 9.4272% | 3,745 |
| Core capital (leverage) ratio | 9.4164% | 3,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8143% | 1,302 |
| Memoranda: | ||
| Average total assets | $49,224,500 | 4,683 |
| Average earning assets | $45,380,500 | 4,679 |
| Average equity | $4,843,250 | 4,797 |
| Average total loans | $26,717,250 | 4,611 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9985% | 3,326 |
| Cost of funding earning assets | 0.5822% | 3,069 |
| Net interest margin | 3.4163% | 3,048 |
| Noninterest income to average assets | 0.2742% | 3,833 |
| Noninterest expense to average assets | 2.7503% | 2,214 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.6689% | 3,506 |
| Return on assets (ROA) | 0.6689% | 3,601 |
| Pretax return on assets | 0.6689% | 3,932 |
| Return on Equity (ROE) | 6.6962% | 3,252 |
| Retained earnings to average equity (ytd only) | 6.6962% | 1,777 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4374% | 859 |
| Assets per employee ($millions) | 5.1494% | 2,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4828% | 1,312 |
| Loan loss allowance to noncurrent loans | 850.0000% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.0932% | 4,061 |
| Noncurrent loans to loans | 0.1744% | 3,750 |
| Net loans and leases to total assets | 52.6430% | 3,980 |
| Net loans and leases to deposits | 58.3796% | 4,200 |
| Net loans and leases to core deposits | 58.3796% | 4,338 |
| Total domestic deposits to total assets | 90.1736% | 354 |
| Equity capital to assets | 9.5021% | 3,658 |
| Core capital (leverage) ratio | 9.4684% | 3,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5355% | 1,357 |
| Memoranda: | ||
| Average total assets | $48,140,667 | 4,717 |
| Average earning assets | $44,316,333 | 4,712 |
| Average equity | $4,808,667 | 4,828 |
| Average total loans | $26,535,333 | 4,632 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2195% | 3,151 |
| Cost of funding earning assets | 0.6736% | 3,045 |
| Net interest margin | 3.5459% | 2,829 |
| Noninterest income to average assets | 0.2841% | 3,821 |
| Noninterest expense to average assets | 2.8495% | 2,280 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6973% | 3,280 |
| Return on assets (ROA) | 0.6973% | 3,350 |
| Pretax return on assets | 0.6973% | 3,690 |
| Return on Equity (ROE) | 6.7974% | 3,027 |
| Retained earnings to average equity (ytd only) | 6.7974% | 1,612 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3398% | 1,105 |
| Assets per employee ($millions) | 4.8066% | 2,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5529% | 1,182 |
| Loan loss allowance to noncurrent loans | 54.4607% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 1.5624% | 671 |
| Noncurrent loans to loans | 2.8514% | 390 |
| Net loans and leases to total assets | 53.9446% | 3,993 |
| Net loans and leases to deposits | 60.2426% | 4,187 |
| Net loans and leases to core deposits | 60.2426% | 4,346 |
| Total domestic deposits to total assets | 89.5456% | 459 |
| Equity capital to assets | 10.0882% | 3,697 |
| Core capital (leverage) ratio | 9.6976% | 3,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9504% | 1,357 |
| Memoranda: | ||
| Average total assets | $46,464,000 | 4,761 |
| Average earning assets | $42,753,500 | 4,764 |
| Average equity | $4,766,500 | 4,866 |
| Average total loans | $26,045,000 | 4,674 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9527% | 4,345 |
| Cost of funding earning assets | 0.6690% | 3,318 |
| Net interest margin | 3.2837% | 4,019 |
| Noninterest income to average assets | 0.3132% | 3,819 |
| Noninterest expense to average assets | 2.9106% | 2,263 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.3524% | 4,673 |
| Return on assets (ROA) | 0.3524% | 4,705 |
| Pretax return on assets | 0.4459% | 4,649 |
| Return on Equity (ROE) | 3.5015% | 4,577 |
| Retained earnings to average equity (ytd only) | 3.5015% | 3,258 |
| Net charge-offs to loans | 0.0040% | 3,540 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 205.0000% | 394 |
| Efficiency ratio | 86.7142% | 499 |
| Assets per employee ($millions) | 4.0784% | 3,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5882% | 1,001 |
| Loan loss allowance to noncurrent loans | 13,633.3333% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 4,645 |
| Noncurrent loans to loans | 0.0116% | 4,540 |
| Net loans and leases to total assets | 56.4910% | 3,888 |
| Net loans and leases to deposits | 63.3132% | 4,117 |
| Net loans and leases to core deposits | 63.3132% | 4,312 |
| Total domestic deposits to total assets | 89.2247% | 583 |
| Equity capital to assets | 10.4409% | 3,501 |
| Core capital (leverage) ratio | 9.8035% | 3,729 |
| Tier 1 risk-based capital ratio | 16.3293% | 2,283 |
| Total risk-based capital ratio | 17.5813% | 2,227 |
| Memoranda: | ||
| Average total assets | $45,969,800 | 4,816 |
| Average earning assets | $42,604,000 | 4,806 |
| Average equity | $4,626,600 | 4,929 |
| Average total loans | $25,177,000 | 4,742 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9887% | 4,386 |
| Cost of funding earning assets | 0.6576% | 3,413 |
| Net interest margin | 3.3312% | 4,038 |
| Noninterest income to average assets | 0.2912% | 3,990 |
| Noninterest expense to average assets | 2.6293% | 3,078 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7582% | 3,821 |
| Return on assets (ROA) | 0.7582% | 3,886 |
| Pretax return on assets | 0.7582% | 4,217 |
| Return on Equity (ROE) | 7.6028% | 3,472 |
| Retained earnings to average equity (ytd only) | 7.6028% | 1,578 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6170% | 1,140 |
| Assets per employee ($millions) | 4.0521% | 3,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5596% | 1,089 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 53.2195% | 4,237 |
| Net loans and leases to deposits | 59.2120% | 4,416 |
| Net loans and leases to core deposits | 59.2120% | 4,559 |
| Total domestic deposits to total assets | 89.8797% | 317 |
| Equity capital to assets | 9.8427% | 4,167 |
| Core capital (leverage) ratio | 9.9368% | 3,695 |
| Tier 1 risk-based capital ratio | 17.3336% | 1,986 |
| Total risk-based capital ratio | 18.5869% | 1,949 |
| Memoranda: | ||
| Average total assets | $46,246,750 | 4,884 |
| Average earning assets | $42,986,750 | 4,868 |
| Average equity | $4,612,250 | 4,997 |
| Average total loans | $25,033,250 | 4,816 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0332% | 4,309 |
| Cost of funding earning assets | 0.6476% | 3,425 |
| Net interest margin | 3.3856% | 3,937 |
| Noninterest income to average assets | 0.2992% | 3,942 |
| Noninterest expense to average assets | 2.7632% | 2,709 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6644% | 4,116 |
| Return on assets (ROA) | 0.6644% | 4,171 |
| Pretax return on assets | 0.6644% | 4,414 |
| Return on Equity (ROE) | 6.6311% | 3,825 |
| Retained earnings to average equity (ytd only) | 6.6311% | 1,990 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6162% | 918 |
| Assets per employee ($millions) | 4.1365% | 3,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6530% | 913 |
| Loan loss allowance to noncurrent loans | 630.7692% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.1429% | 4,051 |
| Noncurrent loans to loans | 0.2621% | 3,590 |
| Net loans and leases to total assets | 53.6108% | 4,236 |
| Net loans and leases to deposits | 59.9567% | 4,429 |
| Net loans and leases to core deposits | 59.9567% | 4,575 |
| Total domestic deposits to total assets | 89.4158% | 501 |
| Equity capital to assets | 10.2655% | 3,729 |
| Core capital (leverage) ratio | 9.8878% | 3,717 |
| Tier 1 risk-based capital ratio | 16.0683% | 2,379 |
| Total risk-based capital ratio | 17.3207% | 2,327 |
| Memoranda: | ||
| Average total assets | $45,454,000 | 4,937 |
| Average earning assets | $42,001,000 | 4,924 |
| Average equity | $4,554,330 | 5,038 |
| Average total loans | $24,615,000 | 4,867 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9697% | 4,431 |
| Cost of funding earning assets | 0.6253% | 3,434 |
| Net interest margin | 3.3444% | 4,049 |
| Noninterest income to average assets | 0.2994% | 3,878 |
| Noninterest expense to average assets | 2.8527% | 2,404 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5547% | 4,373 |
| Return on assets (ROA) | 0.5547% | 4,402 |
| Pretax return on assets | 0.5547% | 4,592 |
| Return on Equity (ROE) | 5.6050% | 4,152 |
| Retained earnings to average equity (ytd only) | 5.6050% | 2,640 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7209% | 731 |
| Assets per employee ($millions) | 4.2141% | 3,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6993% | 861 |
| Loan loss allowance to noncurrent loans | 630.7692% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.1402% | 4,105 |
| Noncurrent loans to loans | 0.2694% | 3,599 |
| Net loans and leases to total assets | 51.1660% | 4,393 |
| Net loans and leases to deposits | 56.9337% | 4,554 |
| Net loans and leases to core deposits | 56.9337% | 4,678 |
| Total domestic deposits to total assets | 89.8695% | 501 |
| Equity capital to assets | 9.8005% | 4,010 |
| Core capital (leverage) ratio | 9.9024% | 3,712 |
| Tier 1 risk-based capital ratio | 16.0646% | 2,413 |
| Total risk-based capital ratio | 17.3158% | 2,359 |
| Memoranda: | ||
| Average total assets | $45,430,000 | 4,988 |
| Average earning assets | $42,220,000 | 4,971 |
| Average equity | $4,496,000 | 5,088 |
| Average total loans | $24,520,500 | 4,921 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6189% | 4,779 |
| Cost of funding earning assets | 0.4836% | 3,457 |
| Net interest margin | 3.1353% | 4,598 |
| Noninterest income to average assets | 0.3696% | 3,623 |
| Noninterest expense to average assets | 2.8249% | 2,600 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.3498% | 4,945 |
| Return on assets (ROA) | 0.3498% | 4,942 |
| Pretax return on assets | 0.4400% | 4,889 |
| Return on Equity (ROE) | 3.6205% | 4,791 |
| Retained earnings to average equity (ytd only) | 3.6205% | 3,590 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5229% | 499 |
| Assets per employee ($millions) | 4.4505% | 3,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6457% | 933 |
| Loan loss allowance to noncurrent loans | 67.2131% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 1.3706% | 908 |
| Noncurrent loans to loans | 2.4485% | 505 |
| Net loans and leases to total assets | 55.0567% | 4,204 |
| Net loans and leases to deposits | 61.3849% | 4,408 |
| Net loans and leases to core deposits | 61.3849% | 4,568 |
| Total domestic deposits to total assets | 89.6910% | 580 |
| Equity capital to assets | 9.9966% | 3,686 |
| Core capital (leverage) ratio | 9.9771% | 3,609 |
| Tier 1 risk-based capital ratio | 15.2636% | 2,716 |
| Total risk-based capital ratio | 16.5143% | 2,645 |
| Memoranda: | ||
| Average total assets | $45,452,200 | 5,024 |
| Average earning assets | $41,973,600 | 5,014 |
| Average equity | $4,391,600 | 5,121 |
| Average total loans | $25,077,200 | 4,935 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5749% | 4,841 |
| Cost of funding earning assets | 0.4457% | 3,553 |
| Net interest margin | 3.1292% | 4,657 |
| Noninterest income to average assets | 0.3589% | 3,733 |
| Noninterest expense to average assets | 2.5009% | 3,596 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7471% | 4,085 |
| Return on assets (ROA) | 0.7471% | 4,096 |
| Pretax return on assets | 0.7471% | 4,433 |
| Return on Equity (ROE) | 7.7976% | 3,626 |
| Retained earnings to average equity (ytd only) | 7.7976% | 1,745 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9991% | 1,226 |
| Assets per employee ($millions) | 4.6011% | 2,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6152% | 1,042 |
| Loan loss allowance to noncurrent loans | 621.2121% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.1434% | 4,232 |
| Noncurrent loans to loans | 0.2600% | 3,756 |
| Net loans and leases to total assets | 54.2783% | 4,347 |
| Net loans and leases to deposits | 60.3237% | 4,530 |
| Net loans and leases to core deposits | 60.3237% | 4,690 |
| Total domestic deposits to total assets | 89.9785% | 513 |
| Equity capital to assets | 9.8129% | 3,808 |
| Core capital (leverage) ratio | 10.1600% | 3,454 |
| Tier 1 risk-based capital ratio | 15.5050% | 2,654 |
| Total risk-based capital ratio | 16.7560% | 2,580 |
| Memoranda: | ||
| Average total assets | $45,689,000 | 5,082 |
| Average earning assets | $42,181,750 | 5,072 |
| Average equity | $4,377,250 | 5,187 |
| Average total loans | $25,118,250 | 4,993 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5300% | 4,876 |
| Cost of funding earning assets | 0.4240% | 3,544 |
| Net interest margin | 3.1060% | 4,719 |
| Noninterest income to average assets | 0.3510% | 3,816 |
| Noninterest expense to average assets | 2.5537% | 3,464 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6582% | 4,326 |
| Return on assets (ROA) | 0.6582% | 4,328 |
| Pretax return on assets | 0.6582% | 4,619 |
| Return on Equity (ROE) | 6.9263% | 3,925 |
| Retained earnings to average equity (ytd only) | 6.9263% | 2,104 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5082% | 1,069 |
| Assets per employee ($millions) | 4.4797% | 3,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6256% | 1,043 |
| Loan loss allowance to noncurrent loans | 41,000.0000% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 5,056 |
| Noncurrent loans to loans | 0.0040% | 4,952 |
| Net loans and leases to total assets | 55.3876% | 4,211 |
| Net loans and leases to deposits | 61.5927% | 4,445 |
| Net loans and leases to core deposits | 61.5927% | 4,623 |
| Total domestic deposits to total assets | 89.9257% | 594 |
| Equity capital to assets | 9.8422% | 3,778 |
| Core capital (leverage) ratio | 9.5930% | 4,003 |
| Tier 1 risk-based capital ratio | 15.2336% | 2,766 |
| Total risk-based capital ratio | 16.4847% | 2,691 |
| Memoranda: | ||
| Average total assets | $45,581,670 | 5,138 |
| Average earning assets | $41,982,670 | 5,130 |
| Average equity | $4,331,330 | 5,253 |
| Average total loans | $25,029,670 | 5,054 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3994% | 5,024 |
| Cost of funding earning assets | 0.3872% | 3,681 |
| Net interest margin | 3.0122% | 4,860 |
| Noninterest income to average assets | 0.3132% | 4,057 |
| Noninterest expense to average assets | 2.6189% | 3,282 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4698% | 4,768 |
| Return on assets (ROA) | 0.4698% | 4,770 |
| Pretax return on assets | 0.4698% | 4,921 |
| Return on Equity (ROE) | 5.0320% | 4,477 |
| Retained earnings to average equity (ytd only) | 5.0320% | 3,155 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7887% | 737 |
| Assets per employee ($millions) | 4.8078% | 2,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6786% | 998 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 49.9501% | 4,561 |
| Net loans and leases to deposits | 55.0033% | 4,746 |
| Net loans and leases to core deposits | 55.0033% | 4,880 |
| Total domestic deposits to total assets | 90.8128% | 380 |
| Equity capital to assets | 8.9646% | 4,594 |
| Core capital (leverage) ratio | 9.5168% | 4,051 |
| Tier 1 risk-based capital ratio | 14.9409% | 2,890 |
| Total risk-based capital ratio | 16.1911% | 2,823 |
| Memoranda: | ||
| Average total assets | $45,974,000 | 5,186 |
| Average earning assets | $42,360,500 | 5,177 |
| Average equity | $4,292,500 | 5,315 |
| Average total loans | $24,933,500 | 5,108 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3512% | 5,011 |
| Cost of funding earning assets | 0.3055% | 4,081 |
| Net interest margin | 3.0457% | 4,797 |
| Noninterest income to average assets | 0.3533% | 3,941 |
| Noninterest expense to average assets | 2.7388% | 3,000 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5037% | 4,365 |
| Return on assets (ROA) | 0.5037% | 4,401 |
| Pretax return on assets | 0.4187% | 5,064 |
| Return on Equity (ROE) | 5.5295% | 3,945 |
| Retained earnings to average equity (ytd only) | 5.5295% | 1,803 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7403% | 599 |
| Assets per employee ($millions) | 4.3870% | 3,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6115% | 1,116 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 57.0595% | 4,107 |
| Net loans and leases to deposits | 63.7612% | 4,330 |
| Net loans and leases to core deposits | 63.7612% | 4,546 |
| Total domestic deposits to total assets | 89.4894% | 784 |
| Equity capital to assets | 9.7447% | 3,974 |
| Core capital (leverage) ratio | 9.6937% | 3,820 |
| Tier 1 risk-based capital ratio | 14.5059% | 3,089 |
| Total risk-based capital ratio | 15.7566% | 3,007 |
| Memoranda: | ||
| Average total assets | $45,859,600 | 5,234 |
| Average earning assets | $42,223,800 | 5,229 |
| Average equity | $4,177,600 | 5,398 |
| Average total loans | $25,010,400 | 5,157 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2684% | 5,152 |
| Cost of funding earning assets | 0.3059% | 4,076 |
| Net interest margin | 2.9625% | 5,003 |
| Noninterest income to average assets | 0.3049% | 4,351 |
| Noninterest expense to average assets | 2.4620% | 3,846 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5724% | 4,493 |
| Return on assets (ROA) | 0.5724% | 4,534 |
| Pretax return on assets | 0.5724% | 4,888 |
| Return on Equity (ROE) | 6.3885% | 3,953 |
| Retained earnings to average equity (ytd only) | 6.3885% | 2,019 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1374% | 984 |
| Assets per employee ($millions) | 4.6666% | 2,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6200% | 1,191 |
| Loan loss allowance to noncurrent loans | 471.2644% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.1864% | 4,358 |
| Noncurrent loans to loans | 0.3438% | 3,711 |
| Net loans and leases to total assets | 53.3536% | 4,469 |
| Net loans and leases to deposits | 58.9665% | 4,685 |
| Net loans and leases to core deposits | 58.9665% | 4,872 |
| Total domestic deposits to total assets | 90.4813% | 335 |
| Equity capital to assets | 9.1480% | 4,775 |
| Core capital (leverage) ratio | 9.2852% | 4,425 |
| Tier 1 risk-based capital ratio | 14.5294% | 3,167 |
| Total risk-based capital ratio | 15.7824% | 3,078 |
| Memoranda: | ||
| Average total assets | $46,357,000 | 5,283 |
| Average earning assets | $42,711,000 | 5,273 |
| Average equity | $4,153,250 | 5,460 |
| Average total loans | $24,902,500 | 5,216 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1732% | 5,272 |
| Cost of funding earning assets | 0.3080% | 4,008 |
| Net interest margin | 2.8652% | 5,148 |
| Noninterest income to average assets | 0.2940% | 4,437 |
| Noninterest expense to average assets | 2.5295% | 3,663 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4194% | 4,932 |
| Return on assets (ROA) | 0.4194% | 4,960 |
| Pretax return on assets | 0.4194% | 5,144 |
| Return on Equity (ROE) | 4.7148% | 4,599 |
| Retained earnings to average equity (ytd only) | 4.7148% | 2,906 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7771% | 707 |
| Assets per employee ($millions) | 4.6332% | 2,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6640% | 1,122 |
| Loan loss allowance to noncurrent loans | 445.6522% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.1986% | 4,378 |
| Noncurrent loans to loans | 0.3734% | 3,689 |
| Net loans and leases to total assets | 52.2965% | 4,542 |
| Net loans and leases to deposits | 57.7152% | 4,764 |
| Net loans and leases to core deposits | 57.7152% | 4,925 |
| Total domestic deposits to total assets | 90.6112% | 320 |
| Equity capital to assets | 8.9938% | 4,913 |
| Core capital (leverage) ratio | 8.9035% | 4,836 |
| Tier 1 risk-based capital ratio | 14.2721% | 3,280 |
| Total risk-based capital ratio | 15.5229% | 3,199 |
| Memoranda: | ||
| Average total assets | $46,254,000 | 5,322 |
| Average earning assets | $42,859,330 | 5,312 |
| Average equity | $4,114,670 | 5,509 |
| Average total loans | $24,767,330 | 5,253 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1031% | 5,364 |
| Cost of funding earning assets | 0.3252% | 3,802 |
| Net interest margin | 2.7779% | 5,288 |
| Noninterest income to average assets | 0.3029% | 4,393 |
| Noninterest expense to average assets | 2.6398% | 3,342 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2510% | 5,302 |
| Return on assets (ROA) | 0.2510% | 5,318 |
| Pretax return on assets | 0.2510% | 5,373 |
| Return on Equity (ROE) | 2.8372% | 5,139 |
| Retained earnings to average equity (ytd only) | 2.8372% | 3,992 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3174% | 486 |
| Assets per employee ($millions) | 4.5465% | 3,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6786% | 1,192 |
| Loan loss allowance to noncurrent loans | 488.0952% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.1848% | 4,511 |
| Noncurrent loans to loans | 0.3439% | 3,872 |
| Net loans and leases to total assets | 52.8209% | 4,444 |
| Net loans and leases to deposits | 58.3143% | 4,678 |
| Net loans and leases to core deposits | 58.3143% | 4,865 |
| Total domestic deposits to total assets | 90.5796% | 441 |
| Equity capital to assets | 9.0267% | 4,782 |
| Core capital (leverage) ratio | 8.7018% | 5,044 |
| Tier 1 risk-based capital ratio | 14.3342% | 3,295 |
| Total risk-based capital ratio | 15.5850% | 3,211 |
| Memoranda: | ||
| Average total assets | $46,215,000 | 5,383 |
| Average earning assets | $43,053,500 | 5,370 |
| Average equity | $4,088,500 | 5,568 |
| Average total loans | $24,831,000 | 5,305 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2117% | 5,284 |
| Cost of funding earning assets | 0.3355% | 3,687 |
| Net interest margin | 2.8762% | 5,172 |
| Noninterest income to average assets | 0.3049% | 4,560 |
| Noninterest expense to average assets | 2.6075% | 3,656 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.2665% | 5,289 |
| Return on assets (ROA) | 0.2665% | 5,358 |
| Pretax return on assets | 0.3475% | 5,304 |
| Return on Equity (ROE) | 3.0814% | 5,136 |
| Retained earnings to average equity (ytd only) | 3.0814% | 3,709 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2395% | 655 |
| Assets per employee ($millions) | 4.6965% | 2,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6246% | 1,319 |
| Loan loss allowance to noncurrent loans | 745.4545% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.1171% | 4,848 |
| Noncurrent loans to loans | 0.2179% | 4,371 |
| Net loans and leases to total assets | 52.8628% | 4,540 |
| Net loans and leases to deposits | 58.5377% | 4,754 |
| Net loans and leases to core deposits | 58.5377% | 4,926 |
| Total domestic deposits to total assets | 90.3055% | 514 |
| Equity capital to assets | 8.6724% | 5,130 |
| Core capital (leverage) ratio | 8.7456% | 5,029 |
| Tier 1 risk-based capital ratio | 13.5809% | 3,718 |
| Total risk-based capital ratio | 14.8309% | 3,625 |
| Memoranda: | ||
| Average total assets | $46,903,400 | 5,403 |
| Average earning assets | $43,216,800 | 5,395 |
| Average equity | $4,056,600 | 5,632 |
| Average total loans | $24,839,600 | 5,356 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1929% | 5,366 |
| Cost of funding earning assets | 0.3369% | 3,690 |
| Net interest margin | 2.8560% | 5,255 |
| Noninterest income to average assets | 0.2901% | 4,693 |
| Noninterest expense to average assets | 2.4824% | 4,035 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4351% | 4,919 |
| Return on assets (ROA) | 0.4351% | 5,002 |
| Pretax return on assets | 0.4351% | 5,250 |
| Return on Equity (ROE) | 5.0337% | 4,505 |
| Retained earnings to average equity (ytd only) | 5.0337% | 2,806 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0877% | 897 |
| Assets per employee ($millions) | 4.5753% | 2,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6019% | 1,462 |
| Loan loss allowance to noncurrent loans | 630.7692% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.1421% | 4,866 |
| Noncurrent loans to loans | 0.2540% | 4,359 |
| Net loans and leases to total assets | 55.0456% | 4,400 |
| Net loans and leases to deposits | 61.2297% | 4,673 |
| Net loans and leases to core deposits | 61.2297% | 4,875 |
| Total domestic deposits to total assets | 89.9001% | 521 |
| Equity capital to assets | 9.0530% | 5,125 |
| Core capital (leverage) ratio | 8.7936% | 5,059 |
| Tier 1 risk-based capital ratio | 13.9506% | 3,584 |
| Total risk-based capital ratio | 15.2013% | 3,507 |
| Memoranda: | ||
| Average total assets | $46,888,000 | 5,462 |
| Average earning assets | $43,136,750 | 5,451 |
| Average equity | $4,052,500 | 5,694 |
| Average total loans | $24,740,250 | 5,414 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1615% | 5,489 |
| Cost of funding earning assets | 0.3369% | 3,731 |
| Net interest margin | 2.8246% | 5,389 |
| Noninterest income to average assets | 0.2793% | 4,786 |
| Noninterest expense to average assets | 2.5007% | 4,024 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3681% | 5,127 |
| Return on assets (ROA) | 0.3681% | 5,217 |
| Pretax return on assets | 0.3681% | 5,393 |
| Return on Equity (ROE) | 4.3255% | 4,795 |
| Retained earnings to average equity (ytd only) | 4.3255% | 3,168 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1681% | 775 |
| Assets per employee ($millions) | 4.7033% | 2,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6536% | 1,396 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 51.8444% | 4,690 |
| Net loans and leases to deposits | 57.4390% | 4,932 |
| Net loans and leases to core deposits | 57.4390% | 5,099 |
| Total domestic deposits to total assets | 90.2600% | 397 |
| Equity capital to assets | 8.6875% | 5,494 |
| Core capital (leverage) ratio | 8.3525% | 5,488 |
| Tier 1 risk-based capital ratio | 14.2003% | 3,495 |
| Total risk-based capital ratio | 15.4521% | 3,414 |
| Memoranda: | ||
| Average total assets | $47,266,330 | 5,518 |
| Average earning assets | $43,333,330 | 5,509 |
| Average equity | $4,022,670 | 5,762 |
| Average total loans | $24,455,330 | 5,481 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1047% | 5,603 |
| Cost of funding earning assets | 0.3225% | 3,916 |
| Net interest margin | 2.7823% | 5,499 |
| Noninterest income to average assets | 0.2617% | 4,854 |
| Noninterest expense to average assets | 2.5663% | 3,865 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2448% | 5,444 |
| Return on assets (ROA) | 0.2448% | 5,508 |
| Pretax return on assets | 0.2448% | 5,586 |
| Return on Equity (ROE) | 2.9065% | 5,272 |
| Retained earnings to average equity (ytd only) | 2.9065% | 4,063 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2913% | 591 |
| Assets per employee ($millions) | 5.2804% | 2,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7062% | 1,352 |
| Loan loss allowance to noncurrent loans | 414.1414% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.2083% | 4,719 |
| Noncurrent loans to loans | 0.4120% | 3,955 |
| Net loans and leases to total assets | 49.7012% | 4,836 |
| Net loans and leases to deposits | 54.9072% | 5,045 |
| Net loans and leases to core deposits | 54.9072% | 5,191 |
| Total domestic deposits to total assets | 90.5185% | 425 |
| Equity capital to assets | 8.4505% | 5,599 |
| Core capital (leverage) ratio | 8.5275% | 5,369 |
| Tier 1 risk-based capital ratio | 14.2511% | 3,537 |
| Total risk-based capital ratio | 15.5043% | 3,460 |
| Memoranda: | ||
| Average total assets | $47,383,000 | 5,567 |
| Average earning assets | $43,417,500 | 5,561 |
| Average equity | $3,991,000 | 5,817 |
| Average total loans | $24,286,000 | 5,541 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0788% | 5,658 |
| Cost of funding earning assets | 0.3400% | 3,795 |
| Net interest margin | 2.7388% | 5,608 |
| Noninterest income to average assets | 0.3512% | 4,392 |
| Noninterest expense to average assets | 2.5174% | 4,172 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2879% | 5,392 |
| Return on assets (ROA) | 0.2879% | 5,476 |
| Pretax return on assets | 0.3818% | 5,355 |
| Return on Equity (ROE) | 3.3711% | 5,178 |
| Retained earnings to average equity (ytd only) | 3.3711% | 3,653 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8322% | 921 |
| Assets per employee ($millions) | 5.2491% | 2,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6706% | 1,415 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 51.0817% | 4,770 |
| Net loans and leases to deposits | 56.4056% | 5,017 |
| Net loans and leases to core deposits | 56.4056% | 5,180 |
| Total domestic deposits to total assets | 90.5614% | 422 |
| Equity capital to assets | 8.3951% | 5,632 |
| Core capital (leverage) ratio | 8.3374% | 5,574 |
| Tier 1 risk-based capital ratio | 13.9615% | 3,729 |
| Total risk-based capital ratio | 15.2192% | 3,659 |
| Memoranda: | ||
| Average total assets | $45,841,400 | 5,637 |
| Average earning assets | $42,646,200 | 5,620 |
| Average equity | $3,915,600 | 5,866 |
| Average total loans | $24,002,800 | 5,585 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1854% | 5,608 |
| Cost of funding earning assets | 0.3393% | 3,866 |
| Net interest margin | 2.8461% | 5,501 |
| Noninterest income to average assets | 0.2110% | 5,383 |
| Noninterest expense to average assets | 2.4737% | 4,276 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3927% | 5,187 |
| Return on assets (ROA) | 0.3927% | 5,280 |
| Pretax return on assets | 0.3927% | 5,474 |
| Return on Equity (ROE) | 4.5775% | 4,805 |
| Retained earnings to average equity (ytd only) | 4.5775% | 3,218 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2986% | 981 |
| Assets per employee ($millions) | 5.0722% | 2,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6400% | 1,638 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 53.8664% | 4,578 |
| Net loans and leases to deposits | 59.7048% | 4,874 |
| Net loans and leases to core deposits | 59.7048% | 5,088 |
| Total domestic deposits to total assets | 90.2212% | 495 |
| Equity capital to assets | 8.7536% | 5,532 |
| Core capital (leverage) ratio | 8.7792% | 5,260 |
| Tier 1 risk-based capital ratio | 14.0540% | 3,817 |
| Total risk-based capital ratio | 15.3050% | 3,763 |
| Memoranda: | ||
| Average total assets | $45,491,250 | 5,719 |
| Average earning assets | $42,443,250 | 5,696 |
| Average equity | $3,903,000 | 5,947 |
| Average total loans | $23,868,000 | 5,657 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0811% | 5,761 |
| Cost of funding earning assets | 0.3397% | 3,927 |
| Net interest margin | 2.7414% | 5,722 |
| Noninterest income to average assets | 0.2245% | 5,356 |
| Noninterest expense to average assets | 2.5177% | 4,184 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2641% | 5,541 |
| Return on assets (ROA) | 0.2641% | 5,624 |
| Pretax return on assets | 0.2641% | 5,719 |
| Return on Equity (ROE) | 3.0992% | 5,376 |
| Retained earnings to average equity (ytd only) | 3.0992% | 4,073 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5063% | 713 |
| Assets per employee ($millions) | 5.0806% | 2,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6780% | 1,669 |
| Loan loss allowance to noncurrent loans | 13,666.6667% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 5,879 |
| Noncurrent loans to loans | 0.0123% | 5,716 |
| Net loans and leases to total assets | 52.5402% | 4,704 |
| Net loans and leases to deposits | 58.1146% | 4,987 |
| Net loans and leases to core deposits | 58.1146% | 5,186 |
| Total domestic deposits to total assets | 90.4079% | 494 |
| Equity capital to assets | 8.5664% | 5,624 |
| Core capital (leverage) ratio | 8.4717% | 5,558 |
| Tier 1 risk-based capital ratio | 14.0806% | 3,876 |
| Total risk-based capital ratio | 15.3324% | 3,807 |
| Memoranda: | ||
| Average total assets | $45,438,330 | 5,781 |
| Average earning assets | $42,387,000 | 5,758 |
| Average equity | $3,872,000 | 6,011 |
| Average total loans | $23,490,670 | 5,727 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9335% | 5,965 |
| Cost of funding earning assets | 0.3312% | 4,076 |
| Net interest margin | 2.6023% | 5,921 |
| Noninterest income to average assets | 0.2208% | 5,378 |
| Noninterest expense to average assets | 2.6758% | 3,673 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0265% | 6,041 |
| Return on assets (ROA) | -0.0265% | 6,075 |
| Pretax return on assets | -0.0265% | 6,069 |
| Return on Equity (ROE) | -0.3117% | 6,084 |
| Retained earnings to average equity (ytd only) | -0.3117% | 5,439 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.0000% | 344 |
| Assets per employee ($millions) | 5.1526% | 2,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8140% | 1,468 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 47.8554% | 5,048 |
| Net loans and leases to deposits | 52.7903% | 5,284 |
| Net loans and leases to core deposits | 52.7903% | 5,439 |
| Total domestic deposits to total assets | 90.6519% | 478 |
| Equity capital to assets | 8.3195% | 5,857 |
| Core capital (leverage) ratio | 8.5260% | 5,496 |
| Tier 1 risk-based capital ratio | 14.7179% | 3,592 |
| Total risk-based capital ratio | 15.8776% | 3,568 |
| Memoranda: | ||
| Average total assets | $45,295,000 | 5,838 |
| Average earning assets | $42,270,000 | 5,806 |
| Average equity | $3,849,500 | 6,073 |
| Average total loans | $23,019,000 | 5,787 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1583% | 5,888 |
| Cost of funding earning assets | 0.3536% | 4,216 |
| Net interest margin | 2.8046% | 5,796 |
| Noninterest income to average assets | 0.2558% | 5,303 |
| Noninterest expense to average assets | 2.5465% | 4,404 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2264% | 5,712 |
| Return on assets (ROA) | 0.2264% | 5,776 |
| Pretax return on assets | 0.2943% | 5,714 |
| Return on Equity (ROE) | 2.6381% | 5,592 |
| Retained earnings to average equity (ytd only) | 2.6381% | 4,367 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6414% | 866 |
| Assets per employee ($millions) | 4.9130% | 2,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7494% | 1,657 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 52.0750% | 4,775 |
| Net loans and leases to deposits | 57.6702% | 5,086 |
| Net loans and leases to core deposits | 57.6702% | 5,280 |
| Total domestic deposits to total assets | 90.2978% | 613 |
| Equity capital to assets | 8.6867% | 5,585 |
| Core capital (leverage) ratio | 8.4787% | 5,576 |
| Tier 1 risk-based capital ratio | 14.7756% | 3,618 |
| Total risk-based capital ratio | 16.0303% | 3,545 |
| Memoranda: | ||
| Average total assets | $44,177,800 | 5,923 |
| Average earning assets | $40,718,400 | 5,901 |
| Average equity | $3,790,600 | 6,130 |
| Average total loans | $22,919,800 | 5,856 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1575% | 5,950 |
| Cost of funding earning assets | 0.3549% | 4,287 |
| Net interest margin | 2.8027% | 5,865 |
| Noninterest income to average assets | 0.2717% | 5,271 |
| Noninterest expense to average assets | 2.4301% | 4,728 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4045% | 5,235 |
| Return on assets (ROA) | 0.4045% | 5,312 |
| Pretax return on assets | 0.4166% | 5,544 |
| Return on Equity (ROE) | 4.7290% | 4,848 |
| Retained earnings to average equity (ytd only) | 4.7290% | 3,260 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3659% | 1,249 |
| Assets per employee ($millions) | 5.0507% | 2,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7663% | 1,777 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 50.1628% | 4,989 |
| Net loans and leases to deposits | 55.4321% | 5,282 |
| Net loans and leases to core deposits | 55.4321% | 5,481 |
| Total domestic deposits to total assets | 90.4941% | 528 |
| Equity capital to assets | 8.5335% | 5,772 |
| Core capital (leverage) ratio | 8.4009% | 5,755 |
| Tier 1 risk-based capital ratio | 14.7919% | 3,706 |
| Total risk-based capital ratio | 16.0443% | 3,644 |
| Memoranda: | ||
| Average total assets | $44,168,000 | 5,996 |
| Average earning assets | $40,579,000 | 5,978 |
| Average equity | $3,778,000 | 6,202 |
| Average total loans | $22,790,750 | 5,925 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1422% | 6,013 |
| Cost of funding earning assets | 0.3552% | 4,375 |
| Net interest margin | 2.7869% | 5,936 |
| Noninterest income to average assets | 0.1738% | 5,909 |
| Noninterest expense to average assets | 2.5378% | 4,461 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1646% | 5,921 |
| Return on assets (ROA) | 0.1646% | 5,959 |
| Pretax return on assets | 0.1829% | 5,967 |
| Return on Equity (ROE) | 1.9229% | 5,855 |
| Retained earnings to average equity (ytd only) | 1.9229% | 4,919 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2773% | 680 |
| Assets per employee ($millions) | 4.9860% | 2,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7354% | 2,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 51.7337% | 4,774 |
| Net loans and leases to deposits | 57.1531% | 5,108 |
| Net loans and leases to core deposits | 57.1531% | 5,327 |
| Total domestic deposits to total assets | 90.5179% | 583 |
| Equity capital to assets | 8.4392% | 5,849 |
| Core capital (leverage) ratio | 8.6880% | 5,418 |
| Tier 1 risk-based capital ratio | 14.2668% | 4,086 |
| Total risk-based capital ratio | 15.5202% | 4,020 |
| Memoranda: | ||
| Average total assets | $43,738,670 | 6,066 |
| Average earning assets | $39,972,330 | 6,042 |
| Average equity | $3,744,330 | 6,256 |
| Average total loans | $22,650,330 | 5,972 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1140% | 6,101 |
| Cost of funding earning assets | 0.3652% | 4,379 |
| Net interest margin | 2.7489% | 6,031 |
| Noninterest income to average assets | 0.1760% | 5,913 |
| Noninterest expense to average assets | 2.8074% | 3,534 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.1575% | 6,328 |
| Return on assets (ROA) | -0.1575% | 6,333 |
| Pretax return on assets | -0.1205% | 6,294 |
| Return on Equity (ROE) | -1.8265% | 6,350 |
| Retained earnings to average equity (ytd only) | -1.8265% | 5,840 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.4828% | 359 |
| Assets per employee ($millions) | 4.8341% | 2,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8376% | 1,934 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 50.3413% | 4,873 |
| Net loans and leases to deposits | 55.6934% | 5,138 |
| Net loans and leases to core deposits | 55.6934% | 5,374 |
| Total domestic deposits to total assets | 90.3901% | 865 |
| Equity capital to assets | 8.5435% | 5,609 |
| Core capital (leverage) ratio | 8.6989% | 5,383 |
| Tier 1 risk-based capital ratio | 14.6370% | 3,930 |
| Total risk-based capital ratio | 15.8902% | 3,879 |
| Memoranda: | ||
| Average total assets | $43,171,000 | 6,137 |
| Average earning assets | $39,434,500 | 6,116 |
| Average equity | $3,723,000 | 6,300 |
| Average total loans | $22,163,000 | 6,039 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4211% | 5,797 |
| Cost of funding earning assets | 0.4216% | 4,418 |
| Net interest margin | 2.9996% | 5,580 |
| Noninterest income to average assets | 0.2178% | 5,777 |
| Noninterest expense to average assets | 2.6262% | 4,369 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2517% | 5,686 |
| Return on assets (ROA) | 0.2517% | 5,756 |
| Pretax return on assets | 0.2784% | 5,783 |
| Return on Equity (ROE) | 2.8422% | 5,563 |
| Retained earnings to average equity (ytd only) | 2.8422% | 4,223 |
| Net charge-offs to loans | 0.0137% | 5,179 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 38.3333% | 980 |
| Efficiency ratio | 90.4167% | 987 |
| Assets per employee ($millions) | 4.7594% | 2,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8625% | 1,879 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 50.4354% | 5,036 |
| Net loans and leases to deposits | 55.9385% | 5,307 |
| Net loans and leases to core deposits | 55.9385% | 5,540 |
| Total domestic deposits to total assets | 90.1623% | 996 |
| Equity capital to assets | 8.7055% | 5,359 |
| Core capital (leverage) ratio | 9.0660% | 4,908 |
| Tier 1 risk-based capital ratio | 15.0140% | 3,657 |
| Total risk-based capital ratio | 16.2696% | 3,598 |
| Memoranda: | ||
| Average total assets | $41,314,600 | 6,248 |
| Average earning assets | $37,005,200 | 6,256 |
| Average equity | $3,659,200 | 6,398 |
| Average total loans | $21,898,000 | 6,120 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4754% | 5,744 |
| Cost of funding earning assets | 0.4358% | 4,443 |
| Net interest margin | 3.0396% | 5,489 |
| Noninterest income to average assets | 0.1922% | 6,024 |
| Noninterest expense to average assets | 2.6904% | 4,050 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1694% | 5,987 |
| Return on assets (ROA) | 0.1694% | 6,061 |
| Pretax return on assets | 0.2052% | 6,035 |
| Return on Equity (ROE) | 1.9038% | 5,973 |
| Retained earnings to average equity (ytd only) | 1.9038% | 5,175 |
| Net charge-offs to loans | -0.0122% | 5,932 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9134% | 795 |
| Assets per employee ($millions) | 4.6818% | 2,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8589% | 2,115 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 51.9983% | 4,873 |
| Net loans and leases to deposits | 57.7552% | 5,213 |
| Net loans and leases to core deposits | 57.7552% | 5,469 |
| Total domestic deposits to total assets | 90.0323% | 979 |
| Equity capital to assets | 8.7289% | 5,488 |
| Core capital (leverage) ratio | 8.9797% | 5,152 |
| Tier 1 risk-based capital ratio | 14.7469% | 3,917 |
| Total risk-based capital ratio | 16.0014% | 3,876 |
| Memoranda: | ||
| Average total assets | $40,934,500 | 6,335 |
| Average earning assets | $36,407,000 | 6,344 |
| Average equity | $3,641,750 | 6,483 |
| Average total loans | $21,869,000 | 6,189 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4947% | 5,708 |
| Cost of funding earning assets | 0.4466% | 4,466 |
| Net interest margin | 3.0481% | 5,436 |
| Noninterest income to average assets | 0.2072% | 5,961 |
| Noninterest expense to average assets | 2.8371% | 3,557 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0592% | 6,222 |
| Return on assets (ROA) | 0.0592% | 6,301 |
| Pretax return on assets | 0.0641% | 6,286 |
| Return on Equity (ROE) | 0.6612% | 6,281 |
| Retained earnings to average equity (ytd only) | 0.6612% | 5,634 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7891% | 578 |
| Assets per employee ($millions) | 4.6203% | 2,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8640% | 2,215 |
| Loan loss allowance to noncurrent loans | 41,300.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 6,577 |
| Noncurrent loans to loans | 0.0045% | 6,436 |
| Net loans and leases to total assets | 52.2906% | 4,819 |
| Net loans and leases to deposits | 58.0614% | 5,156 |
| Net loans and leases to core deposits | 58.0614% | 5,419 |
| Total domestic deposits to total assets | 90.0608% | 992 |
| Equity capital to assets | 8.7223% | 5,518 |
| Core capital (leverage) ratio | 9.0099% | 4,971 |
| Tier 1 risk-based capital ratio | 14.6239% | 4,017 |
| Total risk-based capital ratio | 15.8776% | 3,975 |
| Memoranda: | ||
| Average total assets | $40,534,000 | 6,388 |
| Average earning assets | $35,826,000 | 6,410 |
| Average equity | $3,629,670 | 6,533 |
| Average total loans | $21,717,000 | 6,233 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4842% | 5,745 |
| Cost of funding earning assets | 0.4327% | 4,776 |
| Net interest margin | 3.0515% | 5,427 |
| Noninterest income to average assets | 0.1900% | 6,109 |
| Noninterest expense to average assets | 3.1293% | 2,581 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.2699% | 6,556 |
| Return on assets (ROA) | -0.2699% | 6,591 |
| Pretax return on assets | -0.2599% | 6,579 |
| Return on Equity (ROE) | -2.9744% | 6,610 |
| Retained earnings to average equity (ytd only) | -2.9744% | 6,186 |
| Net charge-offs to loans | -0.0186% | 5,683 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.0592% | 342 |
| Assets per employee ($millions) | 4.3900% | 3,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9579% | 2,147 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 52.3437% | 4,653 |
| Net loans and leases to deposits | 58.4506% | 4,983 |
| Net loans and leases to core deposits | 58.4506% | 5,298 |
| Total domestic deposits to total assets | 89.5520% | 1,330 |
| Equity capital to assets | 9.1572% | 5,302 |
| Core capital (leverage) ratio | 9.3458% | 4,333 |
| Tier 1 risk-based capital ratio | 15.5051% | 3,521 |
| Total risk-based capital ratio | 16.6595% | 3,544 |
| Memoranda: | ||
| Average total assets | $40,009,500 | 6,457 |
| Average earning assets | $35,130,000 | 6,486 |
| Average equity | $3,631,000 | 6,606 |
| Average total loans | $21,497,000 | 6,289 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8669% | 5,677 |
| Cost of funding earning assets | 0.5678% | 4,663 |
| Net interest margin | 3.2992% | 5,247 |
| Noninterest income to average assets | 0.2309% | 5,796 |
| Noninterest expense to average assets | 2.7828% | 4,093 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2484% | 5,638 |
| Return on assets (ROA) | 0.2484% | 5,837 |
| Pretax return on assets | 0.3789% | 5,630 |
| Return on Equity (ROE) | 2.7199% | 5,668 |
| Retained earnings to average equity (ytd only) | 1.3462% | 5,201 |
| Net charge-offs to loans | -0.0044% | 6,375 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0159% | 1,241 |
| Assets per employee ($millions) | 4.5010% | 2,956 |
| Cash dividends to net income (ytd only)* | 50.5051% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8858% | 2,334 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 53.0425% | 4,750 |
| Net loans and leases to deposits | 58.9881% | 5,128 |
| Net loans and leases to core deposits | 58.9881% | 5,454 |
| Total domestic deposits to total assets | 89.9208% | 990 |
| Equity capital to assets | 8.9955% | 5,527 |
| Core capital (leverage) ratio | 8.9974% | 4,902 |
| Tier 1 risk-based capital ratio | 15.5184% | 3,411 |
| Total risk-based capital ratio | 16.7761% | 3,373 |
| Memoranda: | ||
| Average total assets | $39,852,000 | 6,507 |
| Average earning assets | $35,402,600 | 6,516 |
| Average equity | $3,639,800 | 6,652 |
| Average total loans | $22,748,400 | 6,308 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8691% | 5,861 |
| Cost of funding earning assets | 0.5848% | 4,791 |
| Net interest margin | 3.2842% | 5,440 |
| Noninterest income to average assets | 0.2117% | 6,027 |
| Noninterest expense to average assets | 2.7581% | 4,146 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3057% | 5,595 |
| Return on assets (ROA) | 0.3057% | 5,798 |
| Pretax return on assets | 0.3964% | 5,729 |
| Return on Equity (ROE) | 3.3344% | 5,559 |
| Retained earnings to average equity (ytd only) | 3.3344% | 4,523 |
| Net charge-offs to loans | -0.0290% | 6,572 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4334% | 1,257 |
| Assets per employee ($millions) | 5.0106% | 2,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7978% | 2,805 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 56.6895% | 4,344 |
| Net loans and leases to deposits | 63.2628% | 4,806 |
| Net loans and leases to core deposits | 63.2628% | 5,238 |
| Total domestic deposits to total assets | 89.6096% | 1,068 |
| Equity capital to assets | 9.2079% | 5,586 |
| Core capital (leverage) ratio | 9.2255% | 4,714 |
| Tier 1 risk-based capital ratio | 14.8102% | 3,973 |
| Total risk-based capital ratio | 16.0648% | 3,928 |
| Memoranda: | ||
| Average total assets | $39,687,750 | 6,594 |
| Average earning assets | $35,563,250 | 6,597 |
| Average equity | $3,638,750 | 6,733 |
| Average total loans | $22,960,500 | 6,378 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8332% | 6,063 |
| Cost of funding earning assets | 0.6142% | 4,771 |
| Net interest margin | 3.2190% | 5,677 |
| Noninterest income to average assets | 0.2275% | 5,940 |
| Noninterest expense to average assets | 2.8163% | 3,953 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2124% | 5,880 |
| Return on assets (ROA) | 0.2124% | 6,068 |
| Pretax return on assets | 0.2730% | 6,015 |
| Return on Equity (ROE) | 2.3196% | 5,945 |
| Retained earnings to average equity (ytd only) | 2.3196% | 5,032 |
| Net charge-offs to loans | -0.0349% | 6,569 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1620% | 982 |
| Assets per employee ($millions) | 4.5561% | 2,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8040% | 2,843 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 55.0908% | 4,611 |
| Net loans and leases to deposits | 61.2013% | 5,101 |
| Net loans and leases to core deposits | 61.2013% | 5,471 |
| Total domestic deposits to total assets | 90.0159% | 915 |
| Equity capital to assets | 8.8745% | 5,836 |
| Core capital (leverage) ratio | 9.0771% | 4,795 |
| Tier 1 risk-based capital ratio | 14.8296% | 3,879 |
| Total risk-based capital ratio | 16.0865% | 3,825 |
| Memoranda: | ||
| Average total assets | $39,555,330 | 6,644 |
| Average earning assets | $35,166,670 | 6,653 |
| Average equity | $3,621,330 | 6,774 |
| Average total loans | $22,900,670 | 6,419 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9215% | 5,968 |
| Cost of funding earning assets | 0.6653% | 4,577 |
| Net interest margin | 3.2563% | 5,618 |
| Noninterest income to average assets | 0.2369% | 5,936 |
| Noninterest expense to average assets | 3.0079% | 3,214 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0927% | 6,249 |
| Return on assets (ROA) | 0.0927% | 6,375 |
| Pretax return on assets | 0.1030% | 6,380 |
| Return on Equity (ROE) | 0.9965% | 6,347 |
| Retained earnings to average equity (ytd only) | 0.9965% | 5,674 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6887% | 689 |
| Assets per employee ($millions) | 4.3927% | 3,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8067% | 2,968 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 56.5033% | 4,289 |
| Net loans and leases to deposits | 63.0643% | 4,762 |
| Net loans and leases to core deposits | 63.0643% | 5,215 |
| Total domestic deposits to total assets | 89.5963% | 1,305 |
| Equity capital to assets | 9.1491% | 5,292 |
| Core capital (leverage) ratio | 9.1382% | 4,623 |
| Tier 1 risk-based capital ratio | 15.1347% | 3,664 |
| Total risk-based capital ratio | 16.3914% | 3,622 |
| Memoranda: | ||
| Average total assets | $38,830,500 | 6,718 |
| Average earning assets | $34,272,500 | 6,731 |
| Average equity | $3,612,500 | 6,817 |
| Average total loans | $22,848,500 | 6,469 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9361% | 3,176 |
| Cost of funding earning assets | 0.8757% | 4,287 |
| Net interest margin | 4.0604% | 2,599 |
| Noninterest income to average assets | 0.2303% | 5,888 |
| Noninterest expense to average assets | 2.9192% | 3,879 |
| Loan and lease loss provision to assets | 0.0803% | 5,609 |
| Net operating income to assets | 0.4981% | 4,435 |
| Return on assets (ROA) | 0.4981% | 4,649 |
| Pretax return on assets | 0.7204% | 4,253 |
| Return on Equity (ROE) | 5.2838% | 4,262 |
| Retained earnings to average equity (ytd only) | 5.2838% | 2,467 |
| Net charge-offs to loans | 0.0781% | 5,541 |
| Credit loss provision to net charge-offs | 157.8947% | 1,759 |
| Earnings coverage of net charge-offs (x) | 15.7368% | 1,374 |
| Efficiency ratio | 78.4737% | 2,528 |
| Assets per employee ($millions) | 4.2363% | 3,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7910% | 2,900 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 59.1103% | 4,175 |
| Net loans and leases to deposits | 67.1584% | 4,560 |
| Net loans and leases to core deposits | 67.1584% | 5,142 |
| Total domestic deposits to total assets | 88.0164% | 2,141 |
| Equity capital to assets | 9.4631% | 4,939 |
| Core capital (leverage) ratio | 9.1216% | 4,585 |
| Tier 1 risk-based capital ratio | 15.0817% | 3,593 |
| Total risk-based capital ratio | 16.3371% | 3,551 |
| Memoranda: | ||
| Average total assets | $37,338,800 | 6,757 |
| Average earning assets | $32,090,400 | 6,807 |
| Average equity | $3,520,200 | 6,875 |
| Average total loans | $24,318,400 | 6,453 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0305% | 2,935 |
| Cost of funding earning assets | 0.9188% | 4,283 |
| Net interest margin | 4.1116% | 2,428 |
| Noninterest income to average assets | 0.2477% | 5,844 |
| Noninterest expense to average assets | 2.9615% | 3,697 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.5421% | 4,353 |
| Return on assets (ROA) | 0.5421% | 4,539 |
| Pretax return on assets | 0.8041% | 4,113 |
| Return on Equity (ROE) | 5.7552% | 4,138 |
| Retained earnings to average equity (ytd only) | 5.7552% | 2,701 |
| Net charge-offs to loans | 0.0973% | 5,011 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 12.4442% | 1,709 |
| Efficiency ratio | 78.6463% | 2,452 |
| Assets per employee ($millions) | 4.0454% | 3,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5306% | 3,959 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 60.7505% | 3,992 |
| Net loans and leases to deposits | 68.5523% | 4,515 |
| Net loans and leases to core deposits | 68.5523% | 5,113 |
| Total domestic deposits to total assets | 88.6192% | 1,680 |
| Equity capital to assets | 8.8421% | 5,932 |
| Core capital (leverage) ratio | 9.5938% | 4,007 |
| Tier 1 risk-based capital ratio | 13.6636% | 4,606 |
| Total risk-based capital ratio | 14.8820% | 4,600 |
| Memoranda: | ||
| Average total assets | $37,141,750 | 6,823 |
| Average earning assets | $31,778,750 | 6,878 |
| Average equity | $3,498,250 | 6,935 |
| Average total loans | $24,661,000 | 6,500 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2072% | 2,231 |
| Cost of funding earning assets | 1.0021% | 3,931 |
| Net interest margin | 4.2051% | 2,013 |
| Noninterest income to average assets | 0.2275% | 6,033 |
| Noninterest expense to average assets | 3.1301% | 3,141 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4662% | 4,656 |
| Return on assets (ROA) | 0.4662% | 4,791 |
| Pretax return on assets | 0.6604% | 4,532 |
| Return on Equity (ROE) | 4.8387% | 4,527 |
| Retained earnings to average equity (ytd only) | 4.8387% | 3,094 |
| Net charge-offs to loans | 0.0733% | 4,914 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 13.2222% | 1,565 |
| Efficiency ratio | 82.5769% | 2,015 |
| Assets per employee ($millions) | 3.6249% | 4,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5580% | 3,872 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 68.1536% | 2,588 |
| Net loans and leases to deposits | 77.8110% | 3,154 |
| Net loans and leases to core deposits | 77.8110% | 4,077 |
| Total domestic deposits to total assets | 87.5886% | 2,416 |
| Equity capital to assets | 9.7134% | 4,521 |
| Core capital (leverage) ratio | 9.6331% | 3,760 |
| Tier 1 risk-based capital ratio | 14.2717% | 3,963 |
| Total risk-based capital ratio | 15.5264% | 3,933 |
| Memoranda: | ||
| Average total assets | $36,037,670 | 6,915 |
| Average earning assets | $30,534,670 | 6,980 |
| Average equity | $3,472,000 | 6,990 |
| Average total loans | $24,562,000 | 6,559 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1794% | 2,306 |
| Cost of funding earning assets | 1.0228% | 4,046 |
| Net interest margin | 4.1566% | 2,054 |
| Noninterest income to average assets | 0.2226% | 6,140 |
| Noninterest expense to average assets | 3.3953% | 2,293 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3006% | 5,396 |
| Return on assets (ROA) | 0.3006% | 5,465 |
| Pretax return on assets | 0.3562% | 5,479 |
| Return on Equity (ROE) | 3.1327% | 5,306 |
| Retained earnings to average equity (ytd only) | 3.1327% | 4,290 |
| Net charge-offs to loans | 0.1482% | 3,598 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 3.5556% | 2,708 |
| Efficiency ratio | 90.5045% | 1,291 |
| Assets per employee ($millions) | 3.6408% | 4,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6034% | 3,712 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 65.9031% | 3,036 |
| Net loans and leases to deposits | 74.9649% | 3,597 |
| Net loans and leases to core deposits | 74.9649% | 4,434 |
| Total domestic deposits to total assets | 87.9120% | 2,422 |
| Equity capital to assets | 9.5034% | 4,430 |
| Core capital (leverage) ratio | 9.4019% | 3,960 |
| Tier 1 risk-based capital ratio | 14.7061% | 3,607 |
| Total risk-based capital ratio | 15.9613% | 3,560 |
| Memoranda: | ||
| Average total assets | $35,932,000 | 6,967 |
| Average earning assets | $30,505,500 | 7,033 |
| Average equity | $3,447,500 | 7,028 |
| Average total loans | $24,295,000 | 6,628 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3158% | 3,045 |
| Cost of funding earning assets | 1.1872% | 4,638 |
| Net interest margin | 4.1286% | 2,452 |
| Noninterest income to average assets | 0.2314% | 6,148 |
| Noninterest expense to average assets | 3.4041% | 2,427 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.3429% | 4,777 |
| Return on assets (ROA) | 0.3429% | 4,935 |
| Pretax return on assets | 0.4823% | 4,682 |
| Return on Equity (ROE) | 3.6253% | 4,687 |
| Retained earnings to average equity (ytd only) | 3.6253% | 3,326 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5897% | 1,514 |
| Assets per employee ($millions) | 3.2233% | 5,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6526% | 3,391 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 67.1396% | 3,183 |
| Net loans and leases to deposits | 76.6445% | 3,742 |
| Net loans and leases to core deposits | 76.6445% | 4,624 |
| Total domestic deposits to total assets | 87.5987% | 2,483 |
| Equity capital to assets | 9.6881% | 4,153 |
| Core capital (leverage) ratio | 9.5604% | 3,625 |
| Tier 1 risk-based capital ratio | 14.7779% | 3,382 |
| Total risk-based capital ratio | 16.0187% | 3,340 |
| Memoranda: | ||
| Average total assets | $35,868,400 | 7,015 |
| Average earning assets | $31,754,400 | 7,028 |
| Average equity | $3,392,800 | 7,165 |
| Average total loans | $23,855,400 | 6,738 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2477% | 3,590 |
| Cost of funding earning assets | 1.2113% | 4,797 |
| Net interest margin | 4.0364% | 2,926 |
| Noninterest income to average assets | 0.2409% | 6,167 |
| Noninterest expense to average assets | 3.1246% | 3,217 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.5189% | 4,219 |
| Return on assets (ROA) | 0.5189% | 4,406 |
| Pretax return on assets | 0.7228% | 4,166 |
| Return on Equity (ROE) | 5.5188% | 4,032 |
| Retained earnings to average equity (ytd only) | 5.5188% | 2,635 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2139% | 2,168 |
| Assets per employee ($millions) | 3.2144% | 5,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6228% | 3,434 |
| Loan loss allowance to noncurrent loans | 1,818.1818% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.0622% | 7,188 |
| Noncurrent loans to loans | 0.0893% | 7,010 |
| Net loans and leases to total assets | 68.5814% | 3,075 |
| Net loans and leases to deposits | 78.5342% | 3,730 |
| Net loans and leases to core deposits | 78.5342% | 4,733 |
| Total domestic deposits to total assets | 87.3268% | 2,357 |
| Equity capital to assets | 9.8224% | 4,385 |
| Core capital (leverage) ratio | 9.3389% | 4,150 |
| Tier 1 risk-based capital ratio | 14.6363% | 3,437 |
| Total risk-based capital ratio | 15.8934% | 3,407 |
| Memoranda: | ||
| Average total assets | $35,971,500 | 7,098 |
| Average earning assets | $32,140,000 | 7,094 |
| Average equity | $3,382,250 | 7,262 |
| Average total loans | $23,768,000 | 6,832 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1656% | 4,113 |
| Cost of funding earning assets | 1.2513% | 4,816 |
| Net interest margin | 3.9142% | 3,382 |
| Noninterest income to average assets | 0.2654% | 6,015 |
| Noninterest expense to average assets | 3.3005% | 2,559 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.3538% | 4,958 |
| Return on assets (ROA) | 0.3538% | 5,119 |
| Pretax return on assets | 0.4755% | 4,983 |
| Return on Equity (ROE) | 3.8186% | 4,872 |
| Retained earnings to average equity (ytd only) | 3.8186% | 3,663 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4085% | 1,569 |
| Assets per employee ($millions) | 3.4148% | 5,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6274% | 3,337 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 64.3692% | 4,182 |
| Net loans and leases to deposits | 74.2872% | 4,633 |
| Net loans and leases to core deposits | 74.2872% | 5,411 |
| Total domestic deposits to total assets | 86.6491% | 2,731 |
| Equity capital to assets | 9.0408% | 5,381 |
| Core capital (leverage) ratio | 9.0494% | 4,525 |
| Tier 1 risk-based capital ratio | 14.0364% | 3,704 |
| Total risk-based capital ratio | 15.2907% | 3,670 |
| Memoranda: | ||
| Average total assets | $36,176,000 | 7,138 |
| Average earning assets | $32,445,670 | 7,138 |
| Average equity | $3,352,000 | 7,311 |
| Average total loans | $23,474,330 | 6,892 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1175% | 4,448 |
| Cost of funding earning assets | 1.2825% | 4,914 |
| Net interest margin | 3.8350% | 3,647 |
| Noninterest income to average assets | 0.3156% | 5,629 |
| Noninterest expense to average assets | 3.7314% | 1,454 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0564% | 6,141 |
| Return on assets (ROA) | 0.0564% | 6,253 |
| Pretax return on assets | 0.0564% | 6,239 |
| Return on Equity (ROE) | 0.6006% | 6,236 |
| Retained earnings to average equity (ytd only) | 0.6006% | 5,584 |
| Net charge-offs to loans | -0.0349% | 7,239 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5119% | 901 |
| Assets per employee ($millions) | 3.5483% | 4,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7056% | 3,045 |
| Loan loss allowance to noncurrent loans | 20,100.0000% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 7,488 |
| Noncurrent loans to loans | 0.0085% | 7,401 |
| Net loans and leases to total assets | 65.2904% | 4,044 |
| Net loans and leases to deposits | 74.7877% | 4,625 |
| Net loans and leases to core deposits | 74.7877% | 5,416 |
| Total domestic deposits to total assets | 87.3010% | 2,466 |
| Equity capital to assets | 9.3735% | 4,716 |
| Core capital (leverage) ratio | 9.2784% | 4,088 |
| Tier 1 risk-based capital ratio | 14.4464% | 3,415 |
| Total risk-based capital ratio | 15.7118% | 3,372 |
| Memoranda: | ||
| Average total assets | $35,482,500 | 7,250 |
| Average earning assets | $32,125,000 | 7,246 |
| Average equity | $3,330,000 | 7,398 |
| Average total loans | $22,922,000 | 6,996 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2754% | 5,302 |
| Cost of funding earning assets | 1.6634% | 4,709 |
| Net interest margin | 3.6120% | 4,512 |
| Noninterest income to average assets | 0.3666% | 5,467 |
| Noninterest expense to average assets | 3.4483% | 2,531 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.1753% | 4,978 |
| Return on assets (ROA) | 0.1776% | 5,040 |
| Pretax return on assets | 0.2234% | 4,952 |
| Return on Equity (ROE) | 1.8672% | 4,956 |
| Retained earnings to average equity (ytd only) | 1.8672% | 3,787 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9891% | 1,415 |
| Assets per employee ($millions) | 3.5482% | 4,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7957% | 2,556 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3100% | 6,665 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 61.6510% | 5,070 |
| Net loans and leases to deposits | 70.6648% | 5,514 |
| Net loans and leases to core deposits | 77.8913% | 6,265 |
| Total domestic deposits to total assets | 87.2442% | 2,364 |
| Equity capital to assets | 9.3963% | 4,564 |
| Core capital (leverage) ratio | 9.1886% | 4,140 |
| Tier 1 risk-based capital ratio | 14.9813% | 2,951 |
| Total risk-based capital ratio | 16.2362% | 2,896 |
| Memoranda: | ||
| Average total assets | $34,915,600 | 7,285 |
| Average earning assets | $31,921,800 | 7,269 |
| Average equity | $3,320,400 | 7,497 |
| Average total loans | $22,615,200 | 7,050 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3446% | 5,200 |
| Cost of funding earning assets | 1.7285% | 4,750 |
| Net interest margin | 3.6161% | 4,423 |
| Noninterest income to average assets | 0.3834% | 5,452 |
| Noninterest expense to average assets | 3.3894% | 2,611 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.2386% | 5,026 |
| Return on assets (ROA) | 0.2416% | 5,101 |
| Pretax return on assets | 0.3106% | 5,030 |
| Return on Equity (ROE) | 2.5324% | 4,972 |
| Retained earnings to average equity (ytd only) | 2.5324% | 3,902 |
| Net charge-offs to loans | 0.0352% | 6,405 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 13.3325% | 1,681 |
| Efficiency ratio | 91.7012% | 1,564 |
| Assets per employee ($millions) | 3.5776% | 4,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7536% | 2,432 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 61.7006% | 5,289 |
| Net loans and leases to deposits | 71.5341% | 5,726 |
| Net loans and leases to core deposits | 80.4798% | 6,310 |
| Total domestic deposits to total assets | 86.2534% | 2,565 |
| Equity capital to assets | 9.3526% | 4,953 |
| Core capital (leverage) ratio | 9.3948% | 4,058 |
| Tier 1 risk-based capital ratio | 15.0245% | 3,028 |
| Total risk-based capital ratio | 16.2830% | 2,964 |
| Memoranda: | ||
| Average total assets | $34,774,000 | 7,350 |
| Average earning assets | $31,857,000 | 7,336 |
| Average equity | $3,317,000 | 7,565 |
| Average total loans | $22,700,250 | 7,111 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5099% | 4,569 |
| Cost of funding earning assets | 1.8260% | 4,628 |
| Net interest margin | 3.6839% | 4,024 |
| Noninterest income to average assets | 0.3833% | 5,438 |
| Noninterest expense to average assets | 3.4321% | 2,533 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.2497% | 5,083 |
| Return on assets (ROA) | 0.2497% | 5,183 |
| Pretax return on assets | 0.3020% | 5,203 |
| Return on Equity (ROE) | 2.6003% | 5,058 |
| Retained earnings to average equity (ytd only) | 2.6003% | 3,878 |
| Net charge-offs to loans | -0.0176% | 7,673 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9129% | 1,643 |
| Assets per employee ($millions) | 3.4677% | 4,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7585% | 2,153 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 64.7663% | 4,820 |
| Net loans and leases to deposits | 76.6127% | 5,081 |
| Net loans and leases to core deposits | 84.4800% | 6,057 |
| Total domestic deposits to total assets | 84.5373% | 3,481 |
| Equity capital to assets | 9.5625% | 4,535 |
| Core capital (leverage) ratio | 9.3539% | 4,093 |
| Tier 1 risk-based capital ratio | 14.7861% | 3,108 |
| Total risk-based capital ratio | 16.0413% | 3,036 |
| Memoranda: | ||
| Average total assets | $34,440,000 | 7,429 |
| Average earning assets | $31,325,330 | 7,422 |
| Average equity | $3,307,330 | 7,631 |
| Average total loans | $22,777,670 | 7,158 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6071% | 4,310 |
| Cost of funding earning assets | 1.9380% | 4,448 |
| Net interest margin | 3.6692% | 4,021 |
| Noninterest income to average assets | 0.3729% | 5,439 |
| Noninterest expense to average assets | 3.5313% | 2,024 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1282% | 5,890 |
| Return on assets (ROA) | 0.1282% | 6,058 |
| Pretax return on assets | 0.1515% | 6,044 |
| Return on Equity (ROE) | 1.3321% | 6,030 |
| Retained earnings to average equity (ytd only) | 1.3321% | 5,103 |
| Net charge-offs to loans | -0.0176% | 7,406 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8861% | 1,325 |
| Assets per employee ($millions) | 3.3857% | 5,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7607% | 1,958 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 66.0838% | 4,565 |
| Net loans and leases to deposits | 78.3733% | 4,863 |
| Net loans and leases to core deposits | 87.0956% | 5,830 |
| Total domestic deposits to total assets | 84.3193% | 3,549 |
| Equity capital to assets | 9.7262% | 4,344 |
| Core capital (leverage) ratio | 9.3715% | 4,141 |
| Tier 1 risk-based capital ratio | 14.7427% | 3,187 |
| Total risk-based capital ratio | 16.0020% | 3,116 |
| Memoranda: | ||
| Average total assets | $34,321,500 | 7,479 |
| Average earning assets | $30,960,500 | 7,478 |
| Average equity | $3,303,000 | 7,685 |
| Average total loans | $22,736,000 | 7,198 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2907% | 4,014 |
| Cost of funding earning assets | 2.6265% | 3,550 |
| Net interest margin | 3.6642% | 4,628 |
| Noninterest income to average assets | 0.4121% | 5,373 |
| Noninterest expense to average assets | 3.2423% | 3,176 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.3184% | 5,485 |
| Return on assets (ROA) | 0.3205% | 5,296 |
| Pretax return on assets | 0.4464% | 5,131 |
| Return on Equity (ROE) | 3.4948% | 5,040 |
| Retained earnings to average equity (ytd only) | 1.9346% | 4,031 |
| Net charge-offs to loans | -0.1194% | 8,113 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9658% | 1,682 |
| Assets per employee ($millions) | 2.8988% | 6,313 |
| Cash dividends to net income (ytd only)* | 44.6429% | 3,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7623% | 1,730 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 64.0976% | 5,254 |
| Net loans and leases to deposits | 75.7345% | 5,619 |
| Net loans and leases to core deposits | 85.0252% | 6,209 |
| Total domestic deposits to total assets | 84.6346% | 3,011 |
| Equity capital to assets | 9.5239% | 4,650 |
| Core capital (leverage) ratio | 9.2071% | 4,428 |
| Tier 1 risk-based capital ratio | 14.7828% | 3,156 |
| Total risk-based capital ratio | 16.0408% | 3,073 |
| Memoranda: | ||
| Average total assets | $34,944,800 | 7,426 |
| Average earning assets | $31,220,600 | 7,451 |
| Average equity | $3,204,800 | 7,772 |
| Average total loans | $23,449,200 | 7,111 |