Home > The Citizens Bank of Edina > Performance and Condition Ratios
The Citizens Bank of Edina, 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 | 5.6441% | 992 |
| Cost of funding earning assets | 0.8125% | 3,701 |
| Net interest margin | 4.8316% | 400 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 1.6233% | 4,226 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 2.3503% | 281 |
| Return on assets (ROA) | 2.3503% | 275 |
| Pretax return on assets | 3.0805% | 190 |
| Return on Equity (ROE) | 20.4700% | 572 |
| Retained earnings to average equity (ytd only) | 10.8390% | 831 |
| Net charge-offs to loans | 0.0796% | 1,067 |
| Credit loss provision to net charge-offs | 306.1224% | 943 |
| Earnings coverage of net charge-offs (x) | 61.0000% | 1,180 |
| Efficiency ratio | 33.3556% | 4,469 |
| Assets per employee ($millions) | 8.1244% | 1,373 |
| Cash dividends to net income (ytd only)* | 47.0452% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3869% | 1,426 |
| Loan loss allowance to noncurrent loans | 17,960.0000% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 3,774 |
| Noncurrent loans to loans | 0.0077% | 3,719 |
| Net loans and leases to total assets | 65.4900% | 2,314 |
| Net loans and leases to deposits | 74.4170% | 2,590 |
| Net loans and leases to core deposits | 79.2781% | 2,752 |
| Total domestic deposits to total assets | 88.0100% | 1,353 |
| Equity capital to assets | 11.5311% | 1,275 |
| Core capital (leverage) ratio | 12.2270% | 1,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $92,159,800 | 3,896 |
| Average earning assets | $87,259,000 | 3,857 |
| Average equity | $10,582,200 | 3,653 |
| Average total loans | $61,530,000 | 3,687 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5239% | 981 |
| Cost of funding earning assets | 0.7111% | 3,740 |
| Net interest margin | 4.8128% | 404 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 1.6338% | 4,204 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 2.3487% | 309 |
| Return on assets (ROA) | 2.3487% | 300 |
| Pretax return on assets | 3.0901% | 217 |
| Return on Equity (ROE) | 20.4800% | 679 |
| Retained earnings to average equity (ytd only) | 10.7511% | 1,200 |
| Net charge-offs to loans | 0.1076% | 738 |
| Credit loss provision to net charge-offs | 204.0816% | 1,107 |
| Earnings coverage of net charge-offs (x) | 45.0000% | 1,373 |
| Efficiency ratio | 33.5443% | 4,481 |
| Assets per employee ($millions) | 7.5931% | 1,570 |
| Cash dividends to net income (ytd only)* | 47.5000% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3450% | 1,672 |
| 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 | 68.3400% | 2,010 |
| Net loans and leases to deposits | 77.9582% | 2,247 |
| Net loans and leases to core deposits | 82.8120% | 2,413 |
| Total domestic deposits to total assets | 87.6700% | 1,675 |
| Equity capital to assets | 11.9023% | 1,061 |
| Core capital (leverage) ratio | 12.2223% | 1,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $90,826,500 | 3,923 |
| Average earning assets | $86,434,250 | 3,875 |
| Average equity | $10,417,250 | 3,677 |
| Average total loans | $60,725,750 | 3,705 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3017% | 1,080 |
| Cost of funding earning assets | 0.6008% | 3,753 |
| Net interest margin | 4.7009% | 458 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 1.6665% | 4,188 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 2.3300% | 295 |
| Return on assets (ROA) | 2.3300% | 289 |
| Pretax return on assets | 3.0663% | 192 |
| Return on Equity (ROE) | 20.5700% | 653 |
| Retained earnings to average equity (ytd only) | 10.7059% | 1,248 |
| Net charge-offs to loans | 0.1602% | 489 |
| Credit loss provision to net charge-offs | 62.5000% | 1,617 |
| Earnings coverage of net charge-offs (x) | 29.6042% | 1,557 |
| Efficiency ratio | 34.7267% | 4,495 |
| Assets per employee ($millions) | 6.9948% | 1,931 |
| Cash dividends to net income (ytd only)* | 47.9659% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2372% | 2,243 |
| Loan loss allowance to noncurrent loans | 91.2178% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 0.9392% | 515 |
| Noncurrent loans to loans | 1.3563% | 521 |
| Net loans and leases to total assets | 68.3900% | 1,926 |
| Net loans and leases to deposits | 77.6742% | 2,162 |
| Net loans and leases to core deposits | 81.1722% | 2,399 |
| Total domestic deposits to total assets | 88.0400% | 1,583 |
| Equity capital to assets | 11.6096% | 1,172 |
| Core capital (leverage) ratio | 11.7154% | 1,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $90,729,667 | 3,934 |
| Average earning assets | $87,216,667 | 3,887 |
| Average equity | $10,274,667 | 3,712 |
| Average total loans | $59,927,000 | 3,723 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8978% | 1,412 |
| Cost of funding earning assets | 0.4695% | 3,778 |
| Net interest margin | 4.4282% | 652 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 1.6728% | 4,223 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 2.0788% | 444 |
| Return on assets (ROA) | 2.0788% | 436 |
| Pretax return on assets | 2.7409% | 274 |
| Return on Equity (ROE) | 18.5900% | 949 |
| Retained earnings to average equity (ytd only) | 8.5262% | 2,078 |
| Net charge-offs to loans | 0.0137% | 1,442 |
| Credit loss provision to net charge-offs | 1,500.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 325.5000% | 344 |
| Efficiency ratio | 36.7961% | 4,518 |
| Assets per employee ($millions) | 7.2013% | 1,821 |
| Cash dividends to net income (ytd only)* | 54.1401% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4259% | 1,510 |
| Loan loss allowance to noncurrent loans | 993.9759% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.0887% | 2,925 |
| Noncurrent loans to loans | 0.1434% | 2,779 |
| Net loans and leases to total assets | 60.9200% | 2,564 |
| Net loans and leases to deposits | 68.6565% | 2,720 |
| Net loans and leases to core deposits | 70.6929% | 2,901 |
| Total domestic deposits to total assets | 88.7400% | 1,641 |
| Equity capital to assets | 10.9638% | 1,356 |
| Core capital (leverage) ratio | 11.3069% | 1,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $90,628,000 | 3,986 |
| Average earning assets | $86,897,000 | 3,944 |
| Average equity | $10,133,500 | 3,770 |
| Average total loans | $58,408,000 | 3,785 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7500% | 2,407 |
| Cost of funding earning assets | 0.2355% | 3,459 |
| Net interest margin | 3.5146% | 1,884 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 1.5715% | 4,340 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.5581% | 765 |
| Return on assets (ROA) | 1.5581% | 728 |
| Pretax return on assets | 2.0489% | 423 |
| Return on Equity (ROE) | 14.1800% | 1,493 |
| Retained earnings to average equity (ytd only) | 3.8372% | 3,451 |
| Net charge-offs to loans | 0.0635% | 1,012 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 51.0278% | 1,347 |
| Efficiency ratio | 43.4073% | 4,445 |
| Assets per employee ($millions) | 7.3033% | 1,753 |
| Cash dividends to net income (ytd only)* | 72.9420% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3519% | 1,674 |
| Loan loss allowance to noncurrent loans | 885.5556% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.1027% | 2,821 |
| Noncurrent loans to loans | 0.1527% | 2,733 |
| Net loans and leases to total assets | 66.3600% | 1,997 |
| Net loans and leases to deposits | 75.2458% | 2,154 |
| Net loans and leases to core deposits | 77.3278% | 2,324 |
| Total domestic deposits to total assets | 88.1900% | 2,013 |
| Equity capital to assets | 11.4139% | 1,109 |
| Core capital (leverage) ratio | 11.5442% | 1,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $89,658,400 | 4,019 |
| Average earning assets | $85,359,200 | 3,978 |
| Average equity | $9,851,000 | 3,887 |
| Average total loans | $56,695,400 | 3,795 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5489% | 2,467 |
| Cost of funding earning assets | 0.2143% | 3,099 |
| Net interest margin | 3.3346% | 2,188 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 1.5113% | 4,411 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4211% | 1,028 |
| Return on assets (ROA) | 1.4211% | 1,005 |
| Pretax return on assets | 1.9076% | 575 |
| Return on Equity (ROE) | 13.0600% | 1,680 |
| Retained earnings to average equity (ytd only) | 2.7718% | 3,841 |
| Net charge-offs to loans | 0.0926% | 671 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 33.0769% | 1,477 |
| Efficiency ratio | 44.2042% | 4,461 |
| Assets per employee ($millions) | 7.4168% | 1,665 |
| Cash dividends to net income (ytd only)* | 78.7721% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3990% | 1,608 |
| Loan loss allowance to noncurrent loans | 1,031.1688% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.0865% | 3,065 |
| Noncurrent loans to loans | 0.1357% | 2,958 |
| Net loans and leases to total assets | 62.8800% | 2,204 |
| Net loans and leases to deposits | 70.9747% | 2,290 |
| Net loans and leases to core deposits | 72.5199% | 2,446 |
| Total domestic deposits to total assets | 88.5900% | 2,247 |
| Equity capital to assets | 11.0156% | 1,170 |
| Core capital (leverage) ratio | 11.3440% | 1,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $90,163,250 | 4,040 |
| Average earning assets | $85,846,000 | 3,999 |
| Average equity | $9,813,000 | 3,938 |
| Average total loans | $56,130,250 | 3,817 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3616% | 2,541 |
| Cost of funding earning assets | 0.2153% | 2,703 |
| Net interest margin | 3.1463% | 2,381 |
| Noninterest income to average assets | 0.2231% | 3,862 |
| Noninterest expense to average assets | 1.5284% | 4,388 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2568% | 1,264 |
| Return on assets (ROA) | 1.2568% | 1,248 |
| Pretax return on assets | 1.6963% | 760 |
| Return on Equity (ROE) | 11.5933% | 1,795 |
| Retained earnings to average equity (ytd only) | 1.3040% | 3,924 |
| Net charge-offs to loans | 0.0930% | 614 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 29.5385% | 1,395 |
| Efficiency ratio | 47.3973% | 4,377 |
| Assets per employee ($millions) | 7.6599% | 1,507 |
| Cash dividends to net income (ytd only)* | 88.7522% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4364% | 1,611 |
| Loan loss allowance to noncurrent loans | 80.4586% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 1.0912% | 415 |
| Noncurrent loans to loans | 1.7852% | 375 |
| Net loans and leases to total assets | 60.2454% | 2,298 |
| Net loans and leases to deposits | 67.6807% | 2,411 |
| Net loans and leases to core deposits | 69.1910% | 2,549 |
| Total domestic deposits to total assets | 89.0142% | 2,180 |
| Equity capital to assets | 10.6159% | 1,386 |
| Core capital (leverage) ratio | 11.0338% | 1,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,550,667 | 4,077 |
| Average earning assets | $86,388,000 | 4,043 |
| Average equity | $9,816,000 | 4,017 |
| Average total loans | $55,922,333 | 3,866 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2869% | 2,425 |
| Cost of funding earning assets | 0.2185% | 2,552 |
| Net interest margin | 3.0684% | 2,274 |
| Noninterest income to average assets | 0.2404% | 3,706 |
| Noninterest expense to average assets | 1.4644% | 4,466 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2730% | 1,065 |
| Return on assets (ROA) | 1.2730% | 1,059 |
| Pretax return on assets | 1.7137% | 664 |
| Return on Equity (ROE) | 11.6201% | 1,419 |
| Retained earnings to average equity (ytd only) | 1.3408% | 3,737 |
| Net charge-offs to loans | 0.2007% | 307 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 13.7500% | 1,384 |
| Efficiency ratio | 46.0784% | 4,493 |
| Assets per employee ($millions) | 7.6402% | 1,595 |
| Cash dividends to net income (ytd only)* | 88.4615% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4626% | 1,676 |
| Loan loss allowance to noncurrent loans | 583.3333% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.1505% | 2,742 |
| Noncurrent loans to loans | 0.2507% | 2,588 |
| Net loans and leases to total assets | 59.1545% | 2,167 |
| Net loans and leases to deposits | 66.4983% | 2,295 |
| Net loans and leases to core deposits | 67.9863% | 2,459 |
| Total domestic deposits to total assets | 88.9564% | 2,104 |
| Equity capital to assets | 10.6968% | 1,489 |
| Core capital (leverage) ratio | 11.0502% | 1,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $89,866,500 | 4,106 |
| Average earning assets | $86,039,000 | 4,062 |
| Average equity | $9,845,000 | 4,071 |
| Average total loans | $55,791,500 | 3,870 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2067% | 980 |
| Cost of funding earning assets | 0.2814% | 2,585 |
| Net interest margin | 3.9253% | 815 |
| Noninterest income to average assets | 0.2558% | 3,845 |
| Noninterest expense to average assets | 1.5966% | 4,431 |
| Loan and lease loss provision to assets | 0.0714% | 1,663 |
| Net operating income to assets | 1.7382% | 584 |
| Return on assets (ROA) | 1.7382% | 606 |
| Pretax return on assets | 2.2891% | 351 |
| Return on Equity (ROE) | 14.9530% | 957 |
| Retained earnings to average equity (ytd only) | 4.6261% | 2,955 |
| Net charge-offs to loans | 0.0122% | 2,108 |
| Credit loss provision to net charge-offs | 857.1429% | 578 |
| Earnings coverage of net charge-offs (x) | 283.4286% | 428 |
| Efficiency ratio | 40.3488% | 4,680 |
| Assets per employee ($millions) | 7.3376% | 1,699 |
| Cash dividends to net income (ytd only)* | 69.0623% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4732% | 1,653 |
| Loan loss allowance to noncurrent loans | 574.4828% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.1647% | 2,788 |
| Noncurrent loans to loans | 0.2564% | 2,695 |
| Net loans and leases to total assets | 63.2713% | 1,788 |
| Net loans and leases to deposits | 71.5565% | 1,955 |
| Net loans and leases to core deposits | 73.2326% | 2,140 |
| Total domestic deposits to total assets | 88.4215% | 1,830 |
| Equity capital to assets | 11.2242% | 1,649 |
| Core capital (leverage) ratio | 11.3226% | 1,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,051,000 | 4,163 |
| Average earning assets | $79,255,400 | 4,138 |
| Average equity | $9,770,600 | 4,153 |
| Average total loans | $57,341,800 | 3,866 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4755% | 699 |
| Cost of funding earning assets | 0.2939% | 2,653 |
| Net interest margin | 4.1816% | 565 |
| Noninterest income to average assets | 0.2488% | 3,904 |
| Noninterest expense to average assets | 1.5701% | 4,508 |
| Loan and lease loss provision to assets | 0.0722% | 1,594 |
| Net operating income to assets | 1.9040% | 554 |
| Return on assets (ROA) | 1.9040% | 576 |
| Pretax return on assets | 2.5349% | 327 |
| Return on Equity (ROE) | 16.2309% | 901 |
| Retained earnings to average equity (ytd only) | 5.8710% | 2,883 |
| Net charge-offs to loans | -0.0093% | 3,647 |
| Credit loss provision to net charge-offs | -1,125.0000% | 3,879 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.5865% | 4,781 |
| Assets per employee ($millions) | 6.4436% | 2,303 |
| Cash dividends to net income (ytd only)* | 63.8280% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4378% | 1,857 |
| Loan loss allowance to noncurrent loans | 487.6471% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.2029% | 2,772 |
| Noncurrent loans to loans | 0.2948% | 2,734 |
| Net loans and leases to total assets | 67.8418% | 1,340 |
| Net loans and leases to deposits | 77.3647% | 1,539 |
| Net loans and leases to core deposits | 78.7389% | 1,837 |
| Total domestic deposits to total assets | 87.6909% | 2,014 |
| Equity capital to assets | 11.8161% | 1,484 |
| Core capital (leverage) ratio | 11.7311% | 1,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,051,000 | 4,226 |
| Average earning assets | $78,023,250 | 4,206 |
| Average equity | $9,742,500 | 4,216 |
| Average total loans | $57,541,250 | 3,913 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8935% | 409 |
| Cost of funding earning assets | 0.3070% | 2,719 |
| Net interest margin | 4.5865% | 314 |
| Noninterest income to average assets | 0.2270% | 4,039 |
| Noninterest expense to average assets | 1.6229% | 4,478 |
| Loan and lease loss provision to assets | 0.0725% | 1,618 |
| Net operating income to assets | 2.1325% | 377 |
| Return on assets (ROA) | 2.1325% | 398 |
| Pretax return on assets | 2.8257% | 227 |
| Return on Equity (ROE) | 18.2237% | 625 |
| Retained earnings to average equity (ytd only) | 7.8013% | 2,151 |
| Net charge-offs to loans | 0.0035% | 2,046 |
| Credit loss provision to net charge-offs | 3,000.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 1,200.0000% | 106 |
| Efficiency ratio | 35.8974% | 4,843 |
| Assets per employee ($millions) | 6.9812% | 1,826 |
| Cash dividends to net income (ytd only)* | 57.1914% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4237% | 1,871 |
| Loan loss allowance to noncurrent loans | 612.8788% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.1576% | 3,206 |
| Noncurrent loans to loans | 0.2323% | 3,118 |
| Net loans and leases to total assets | 66.8644% | 1,600 |
| Net loans and leases to deposits | 76.2140% | 1,798 |
| Net loans and leases to core deposits | 77.5638% | 2,088 |
| Total domestic deposits to total assets | 87.7325% | 1,966 |
| Equity capital to assets | 11.7578% | 1,485 |
| Core capital (leverage) ratio | 11.5296% | 1,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,812,333 | 4,256 |
| Average earning assets | $77,531,333 | 4,237 |
| Average equity | $9,690,667 | 4,239 |
| Average total loans | $57,502,333 | 3,942 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2553% | 250 |
| Cost of funding earning assets | 0.3242% | 2,760 |
| Net interest margin | 4.9311% | 200 |
| Noninterest income to average assets | 0.3061% | 3,580 |
| Noninterest expense to average assets | 1.6519% | 4,463 |
| Loan and lease loss provision to assets | 0.0729% | 1,718 |
| Net operating income to assets | 2.4049% | 311 |
| Return on assets (ROA) | 2.4049% | 336 |
| Pretax return on assets | 3.1628% | 198 |
| Return on Equity (ROE) | 20.6014% | 497 |
| Retained earnings to average equity (ytd only) | 10.1134% | 1,618 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.7972% | 4,877 |
| Assets per employee ($millions) | 6.4705% | 2,199 |
| Cash dividends to net income (ytd only)* | 50.9091% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3921% | 1,997 |
| Loan loss allowance to noncurrent loans | 571.9424% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.1652% | 3,338 |
| Noncurrent loans to loans | 0.2434% | 3,229 |
| Net loans and leases to total assets | 66.9468% | 1,671 |
| Net loans and leases to deposits | 76.2088% | 1,886 |
| Net loans and leases to core deposits | 77.8858% | 2,197 |
| Total domestic deposits to total assets | 87.8465% | 1,916 |
| Equity capital to assets | 11.5555% | 1,505 |
| Core capital (leverage) ratio | 11.9728% | 1,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,331,500 | 4,278 |
| Average earning assets | $76,494,000 | 4,272 |
| Average equity | $9,611,000 | 4,256 |
| Average total loans | $57,841,500 | 3,949 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8201% | 710 |
| Cost of funding earning assets | 0.5022% | 2,933 |
| Net interest margin | 4.3179% | 490 |
| Noninterest income to average assets | 0.4055% | 3,068 |
| Noninterest expense to average assets | 1.7315% | 4,574 |
| Loan and lease loss provision to assets | 0.1096% | 2,973 |
| Net operating income to assets | 2.0446% | 244 |
| Return on assets (ROA) | 2.0446% | 260 |
| Pretax return on assets | 2.6072% | 170 |
| Return on Equity (ROE) | 16.7340% | 437 |
| Retained earnings to average equity (ytd only) | 5.8266% | 1,884 |
| Net charge-offs to loans | 0.0700% | 1,792 |
| Credit loss provision to net charge-offs | 197.6190% | 2,174 |
| Earnings coverage of net charge-offs (x) | 48.9762% | 1,220 |
| Efficiency ratio | 38.9252% | 4,890 |
| Assets per employee ($millions) | 6.1959% | 2,173 |
| Cash dividends to net income (ytd only)* | 65.1809% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3316% | 2,267 |
| Loan loss allowance to noncurrent loans | 951.2195% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.1018% | 3,801 |
| Noncurrent loans to loans | 0.1400% | 3,724 |
| Net loans and leases to total assets | 71.7531% | 1,320 |
| Net loans and leases to deposits | 81.8533% | 1,675 |
| Net loans and leases to core deposits | 84.1022% | 2,027 |
| Total domestic deposits to total assets | 87.6606% | 1,629 |
| Equity capital to assets | 11.7968% | 1,680 |
| Core capital (leverage) ratio | 11.9706% | 1,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,713,400 | 4,298 |
| Average earning assets | $70,891,000 | 4,285 |
| Average equity | $9,250,600 | 4,277 |
| Average total loans | $59,979,600 | 3,919 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9959% | 609 |
| Cost of funding earning assets | 0.5302% | 3,047 |
| Net interest margin | 4.4657% | 412 |
| Noninterest income to average assets | 0.4563% | 2,810 |
| Noninterest expense to average assets | 1.7394% | 4,579 |
| Loan and lease loss provision to assets | 0.0953% | 3,126 |
| Net operating income to assets | 2.0454% | 267 |
| Return on assets (ROA) | 2.0454% | 292 |
| Pretax return on assets | 2.8275% | 137 |
| Return on Equity (ROE) | 16.5869% | 483 |
| Retained earnings to average equity (ytd only) | 5.6015% | 2,287 |
| Net charge-offs to loans | 0.0928% | 1,381 |
| Credit loss provision to net charge-offs | 126.1905% | 2,465 |
| Earnings coverage of net charge-offs (x) | 38.8810% | 1,381 |
| Efficiency ratio | 37.3129% | 4,941 |
| Assets per employee ($millions) | 5.9028% | 2,345 |
| Cash dividends to net income (ytd only)* | 66.2292% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2727% | 2,280 |
| Loan loss allowance to noncurrent loans | 862.0690% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.1134% | 3,866 |
| Noncurrent loans to loans | 0.1476% | 3,794 |
| Net loans and leases to total assets | 75.8174% | 1,123 |
| Net loans and leases to deposits | 87.1389% | 1,577 |
| Net loans and leases to core deposits | 90.3711% | 1,943 |
| Total domestic deposits to total assets | 87.0076% | 1,667 |
| Equity capital to assets | 12.1962% | 1,573 |
| Core capital (leverage) ratio | 12.2021% | 1,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,505,000 | 4,321 |
| Average earning assets | $70,162,000 | 4,305 |
| Average equity | $9,187,750 | 4,303 |
| Average total loans | $60,330,750 | 3,933 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1602% | 618 |
| Cost of funding earning assets | 0.5590% | 3,186 |
| Net interest margin | 4.6013% | 411 |
| Noninterest income to average assets | 0.5830% | 2,195 |
| Noninterest expense to average assets | 1.8248% | 4,528 |
| Loan and lease loss provision to assets | 0.0759% | 3,343 |
| Net operating income to assets | 2.1909% | 226 |
| Return on assets (ROA) | 2.1909% | 247 |
| Pretax return on assets | 3.0124% | 111 |
| Return on Equity (ROE) | 17.6986% | 397 |
| Retained earnings to average equity (ytd only) | 6.6370% | 1,807 |
| Net charge-offs to loans | 0.1875% | 813 |
| Credit loss provision to net charge-offs | 49.1228% | 2,630 |
| Earnings coverage of net charge-offs (x) | 19.9825% | 1,698 |
| Efficiency ratio | 37.1413% | 4,969 |
| Assets per employee ($millions) | 5.8705% | 2,300 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1451% | 2,804 |
| Loan loss allowance to noncurrent loans | 230.5195% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.4036% | 2,673 |
| Noncurrent loans to loans | 0.4968% | 2,665 |
| Net loans and leases to total assets | 80.3147% | 561 |
| Net loans and leases to deposits | 92.1990% | 1,136 |
| Net loans and leases to core deposits | 97.0886% | 1,491 |
| Total domestic deposits to total assets | 87.1102% | 1,571 |
| Equity capital to assets | 12.1626% | 1,561 |
| Core capital (leverage) ratio | 12.3649% | 1,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,761,000 | 4,341 |
| Average earning assets | $69,415,333 | 4,328 |
| Average equity | $9,130,667 | 4,326 |
| Average total loans | $60,797,667 | 3,927 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2132% | 645 |
| Cost of funding earning assets | 0.6029% | 3,420 |
| Net interest margin | 4.6103% | 403 |
| Noninterest income to average assets | 1.0209% | 815 |
| Noninterest expense to average assets | 1.8101% | 4,655 |
| Loan and lease loss provision to assets | 0.0717% | 2,835 |
| Net operating income to assets | 2.5330% | 106 |
| Return on assets (ROA) | 2.5330% | 109 |
| Pretax return on assets | 3.4435% | 60 |
| Return on Equity (ROE) | 20.2761% | 160 |
| Retained earnings to average equity (ytd only) | 9.1441% | 930 |
| Net charge-offs to loans | 0.2724% | 535 |
| Credit loss provision to net charge-offs | 31.7073% | 2,149 |
| Earnings coverage of net charge-offs (x) | 15.5366% | 1,559 |
| Efficiency ratio | 33.9896% | 5,045 |
| Assets per employee ($millions) | 5.4868% | 2,134 |
| Cash dividends to net income (ytd only)* | 54.9020% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1975% | 2,686 |
| Loan loss allowance to noncurrent loans | 4,182.3529% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0238% | 4,508 |
| Noncurrent loans to loans | 0.0286% | 4,447 |
| Net loans and leases to total assets | 82.2454% | 415 |
| Net loans and leases to deposits | 95.3018% | 975 |
| Net loans and leases to core deposits | 99.9182% | 1,479 |
| Total domestic deposits to total assets | 86.2999% | 1,875 |
| Equity capital to assets | 12.8673% | 1,514 |
| Core capital (leverage) ratio | 12.7023% | 1,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0777% | 1,328 |
| Memoranda: | ||
| Average total assets | $72,483,500 | 4,368 |
| Average earning assets | $67,674,500 | 4,356 |
| Average equity | $9,055,000 | 4,363 |
| Average total loans | $60,195,000 | 3,951 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3247% | 781 |
| Cost of funding earning assets | 0.6152% | 3,578 |
| Net interest margin | 4.7095% | 461 |
| Noninterest income to average assets | 0.4177% | 3,190 |
| Noninterest expense to average assets | 1.7921% | 4,782 |
| Loan and lease loss provision to assets | 0.1532% | 1,375 |
| Net operating income to assets | 2.0859% | 282 |
| Return on assets (ROA) | 2.0859% | 293 |
| Pretax return on assets | 2.8323% | 120 |
| Return on Equity (ROE) | 17.2624% | 389 |
| Retained earnings to average equity (ytd only) | 5.8886% | 1,928 |
| Net charge-offs to loans | 0.1905% | 1,065 |
| Credit loss provision to net charge-offs | 96.4912% | 2,566 |
| Earnings coverage of net charge-offs (x) | 18.8070% | 2,034 |
| Efficiency ratio | 37.5109% | 5,094 |
| Assets per employee ($millions) | 5.6645% | 1,908 |
| Cash dividends to net income (ytd only)* | 65.8879% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2112% | 2,369 |
| Loan loss allowance to noncurrent loans | 375.1269% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.2675% | 3,357 |
| Noncurrent loans to loans | 0.3229% | 3,286 |
| Net loans and leases to total assets | 81.8534% | 574 |
| Net loans and leases to deposits | 98.0767% | 755 |
| Net loans and leases to core deposits | 103.6685% | 1,252 |
| Total domestic deposits to total assets | 83.4585% | 3,043 |
| Equity capital to assets | 12.1294% | 2,056 |
| Core capital (leverage) ratio | 12.5119% | 1,485 |
| Tier 1 risk-based capital ratio | 14.7523% | 2,884 |
| Total risk-based capital ratio | 15.9743% | 2,820 |
| Memoranda: | ||
| Average total assets | $71,815,600 | 4,397 |
| Average earning assets | $66,482,200 | 4,398 |
| Average equity | $8,677,800 | 4,423 |
| Average total loans | $59,837,800 | 3,987 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3548% | 770 |
| Cost of funding earning assets | 0.6059% | 3,668 |
| Net interest margin | 4.7488% | 453 |
| Noninterest income to average assets | 0.3998% | 3,320 |
| Noninterest expense to average assets | 1.7806% | 4,842 |
| Loan and lease loss provision to assets | 0.1308% | 1,480 |
| Net operating income to assets | 2.1337% | 304 |
| Return on assets (ROA) | 2.1337% | 318 |
| Pretax return on assets | 2.8961% | 130 |
| Return on Equity (ROE) | 17.6757% | 422 |
| Retained earnings to average equity (ytd only) | 6.2221% | 2,271 |
| Net charge-offs to loans | 0.2463% | 717 |
| Credit loss provision to net charge-offs | 63.6364% | 2,679 |
| Earnings coverage of net charge-offs (x) | 14.7276% | 2,231 |
| Efficiency ratio | 37.0385% | 5,161 |
| Assets per employee ($millions) | 5.2211% | 2,316 |
| Cash dividends to net income (ytd only)* | 64.7984% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1618% | 2,708 |
| Loan loss allowance to noncurrent loans | 4,393.7500% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0219% | 4,635 |
| Noncurrent loans to loans | 0.0264% | 4,555 |
| Net loans and leases to total assets | 81.8209% | 589 |
| Net loans and leases to deposits | 101.7818% | 516 |
| Net loans and leases to core deposits | 105.9450% | 1,189 |
| Total domestic deposits to total assets | 80.3885% | 3,894 |
| Equity capital to assets | 12.0692% | 2,203 |
| Core capital (leverage) ratio | 12.3644% | 1,649 |
| Tier 1 risk-based capital ratio | 14.8630% | 2,918 |
| Total risk-based capital ratio | 16.0488% | 2,879 |
| Memoranda: | ||
| Average total assets | $71,359,750 | 4,461 |
| Average earning assets | $66,232,000 | 4,453 |
| Average equity | $8,614,250 | 4,480 |
| Average total loans | $59,543,500 | 4,039 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3795% | 703 |
| Cost of funding earning assets | 0.5832% | 3,734 |
| Net interest margin | 4.7963% | 408 |
| Noninterest income to average assets | 0.3645% | 3,495 |
| Noninterest expense to average assets | 1.7604% | 4,914 |
| Loan and lease loss provision to assets | 0.0283% | 3,259 |
| Net operating income to assets | 2.2548% | 231 |
| Return on assets (ROA) | 2.2548% | 240 |
| Pretax return on assets | 3.0375% | 117 |
| Return on Equity (ROE) | 18.6776% | 341 |
| Retained earnings to average equity (ytd only) | 7.1153% | 1,754 |
| Net charge-offs to loans | 0.0034% | 3,041 |
| Credit loss provision to net charge-offs | 1,000.0000% | 340 |
| Earnings coverage of net charge-offs (x) | 1,085.0000% | 63 |
| Efficiency ratio | 36.4754% | 5,213 |
| Assets per employee ($millions) | 5.0780% | 2,378 |
| Cash dividends to net income (ytd only)* | 61.9048% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2564% | 2,219 |
| Loan loss allowance to noncurrent loans | 582.9457% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.1815% | 3,856 |
| Noncurrent loans to loans | 0.2155% | 3,768 |
| Net loans and leases to total assets | 83.1359% | 454 |
| Net loans and leases to deposits | 100.3447% | 646 |
| Net loans and leases to core deposits | 102.6094% | 1,510 |
| Total domestic deposits to total assets | 82.8504% | 3,256 |
| Equity capital to assets | 12.2728% | 2,004 |
| Core capital (leverage) ratio | 12.3236% | 1,624 |
| Tier 1 risk-based capital ratio | 14.9506% | 2,870 |
| Total risk-based capital ratio | 16.2012% | 2,785 |
| Memoranda: | ||
| Average total assets | $70,781,330 | 4,506 |
| Average earning assets | $65,843,000 | 4,498 |
| Average equity | $8,545,000 | 4,509 |
| Average total loans | $59,221,330 | 4,069 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3816% | 656 |
| Cost of funding earning assets | 0.5742% | 3,705 |
| Net interest margin | 4.8074% | 405 |
| Noninterest income to average assets | 0.3002% | 3,875 |
| Noninterest expense to average assets | 1.7161% | 5,008 |
| Loan and lease loss provision to assets | 0.0566% | 2,534 |
| Net operating income to assets | 2.2258% | 264 |
| Return on assets (ROA) | 2.2258% | 273 |
| Pretax return on assets | 2.9847% | 130 |
| Return on Equity (ROE) | 18.5925% | 352 |
| Retained earnings to average equity (ytd only) | 6.9072% | 2,077 |
| Net charge-offs to loans | -0.0068% | 4,102 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.0714% | 5,267 |
| Assets per employee ($millions) | 4.9737% | 2,554 |
| Cash dividends to net income (ytd only)* | 62.8499% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2874% | 2,151 |
| Loan loss allowance to noncurrent loans | 467.7019% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.2312% | 3,695 |
| Noncurrent loans to loans | 0.2753% | 3,581 |
| Net loans and leases to total assets | 82.9159% | 479 |
| Net loans and leases to deposits | 96.8059% | 903 |
| Net loans and leases to core deposits | 98.9630% | 1,712 |
| Total domestic deposits to total assets | 85.6517% | 2,421 |
| Equity capital to assets | 12.2616% | 1,868 |
| Core capital (leverage) ratio | 12.0904% | 1,719 |
| Tier 1 risk-based capital ratio | 15.1048% | 2,837 |
| Total risk-based capital ratio | 16.3563% | 2,748 |
| Memoranda: | ||
| Average total assets | $70,626,000 | 4,555 |
| Average earning assets | $65,482,000 | 4,551 |
| Average equity | $8,455,000 | 4,548 |
| Average total loans | $58,904,500 | 4,113 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0645% | 920 |
| Cost of funding earning assets | 0.4240% | 3,832 |
| Net interest margin | 4.6405% | 554 |
| Noninterest income to average assets | 0.3721% | 3,601 |
| Noninterest expense to average assets | 1.8675% | 4,938 |
| Loan and lease loss provision to assets | 0.0352% | 3,494 |
| Net operating income to assets | 1.9929% | 366 |
| Return on assets (ROA) | 1.9929% | 364 |
| Pretax return on assets | 2.6808% | 150 |
| Return on Equity (ROE) | 17.3348% | 457 |
| Retained earnings to average equity (ytd only) | 5.2225% | 2,651 |
| Net charge-offs to loans | 0.0938% | 1,828 |
| Credit loss provision to net charge-offs | 46.2963% | 3,228 |
| Earnings coverage of net charge-offs (x) | 35.6852% | 1,427 |
| Efficiency ratio | 40.7442% | 5,271 |
| Assets per employee ($millions) | 4.7747% | 2,783 |
| Cash dividends to net income (ytd only)* | 69.8727% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2525% | 2,287 |
| Loan loss allowance to noncurrent loans | 439.6450% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.2360% | 3,656 |
| Noncurrent loans to loans | 0.2849% | 3,546 |
| Net loans and leases to total assets | 81.7886% | 680 |
| Net loans and leases to deposits | 96.7623% | 996 |
| Net loans and leases to core deposits | 99.6886% | 1,736 |
| Total domestic deposits to total assets | 84.5253% | 2,822 |
| Equity capital to assets | 11.6895% | 2,104 |
| Core capital (leverage) ratio | 11.9639% | 1,761 |
| Tier 1 risk-based capital ratio | 14.6868% | 2,969 |
| Total risk-based capital ratio | 15.9371% | 2,897 |
| Memoranda: | ||
| Average total assets | $70,950,200 | 4,566 |
| Average earning assets | $64,390,000 | 4,582 |
| Average equity | $8,157,000 | 4,585 |
| Average total loans | $57,542,400 | 4,153 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0532% | 835 |
| Cost of funding earning assets | 0.3895% | 3,938 |
| Net interest margin | 4.6637% | 509 |
| Noninterest income to average assets | 0.3391% | 3,884 |
| Noninterest expense to average assets | 1.8234% | 5,013 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.0042% | 369 |
| Return on assets (ROA) | 2.0042% | 369 |
| Pretax return on assets | 2.7332% | 155 |
| Return on Equity (ROE) | 17.5069% | 483 |
| Retained earnings to average equity (ytd only) | 5.2981% | 3,059 |
| Net charge-offs to loans | 0.1261% | 1,254 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 26.8697% | 1,728 |
| Efficiency ratio | 40.0165% | 5,331 |
| Assets per employee ($millions) | 4.9694% | 2,505 |
| Cash dividends to net income (ytd only)* | 69.7370% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2599% | 2,308 |
| Loan loss allowance to noncurrent loans | 343.5407% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.3004% | 3,496 |
| Noncurrent loans to loans | 0.3667% | 3,333 |
| Net loans and leases to total assets | 80.8802% | 888 |
| Net loans and leases to deposits | 96.3461% | 1,114 |
| Net loans and leases to core deposits | 99.3696% | 1,841 |
| Total domestic deposits to total assets | 83.9476% | 2,962 |
| Equity capital to assets | 11.8611% | 1,997 |
| Core capital (leverage) ratio | 11.9328% | 1,826 |
| Tier 1 risk-based capital ratio | 14.9884% | 2,888 |
| Total risk-based capital ratio | 16.2387% | 2,808 |
| Memoranda: | ||
| Average total assets | $70,782,750 | 4,617 |
| Average earning assets | $64,010,750 | 4,638 |
| Average equity | $8,103,250 | 4,636 |
| Average total loans | $57,098,000 | 4,204 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0283% | 774 |
| Cost of funding earning assets | 0.3741% | 3,914 |
| Net interest margin | 4.6542% | 494 |
| Noninterest income to average assets | 0.3034% | 4,145 |
| Noninterest expense to average assets | 1.7897% | 5,111 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.9835% | 392 |
| Return on assets (ROA) | 1.9835% | 389 |
| Pretax return on assets | 2.7084% | 153 |
| Return on Equity (ROE) | 17.5324% | 472 |
| Retained earnings to average equity (ytd only) | 5.2647% | 2,950 |
| Net charge-offs to loans | 0.1855% | 847 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 18.1887% | 1,914 |
| Efficiency ratio | 39.7876% | 5,406 |
| Assets per employee ($millions) | 5.0353% | 2,374 |
| Cash dividends to net income (ytd only)* | 69.9717% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 2,432 |
| Loan loss allowance to noncurrent loans | 615.3846% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.1660% | 4,157 |
| Noncurrent loans to loans | 0.2031% | 3,990 |
| Net loans and leases to total assets | 80.6778% | 913 |
| Net loans and leases to deposits | 91.7691% | 1,611 |
| Net loans and leases to core deposits | 95.5833% | 2,097 |
| Total domestic deposits to total assets | 87.9139% | 1,428 |
| Equity capital to assets | 11.5584% | 2,160 |
| Core capital (leverage) ratio | 11.3841% | 2,172 |
| Tier 1 risk-based capital ratio | 14.8577% | 2,943 |
| Total risk-based capital ratio | 16.1084% | 2,868 |
| Memoranda: | ||
| Average total assets | $71,186,330 | 4,666 |
| Average earning assets | $64,157,000 | 4,689 |
| Average equity | $8,053,670 | 4,687 |
| Average total loans | $57,134,670 | 4,240 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0747% | 609 |
| Cost of funding earning assets | 0.3616% | 3,898 |
| Net interest margin | 4.7131% | 399 |
| Noninterest income to average assets | 0.3076% | 4,104 |
| Noninterest expense to average assets | 1.8677% | 5,073 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.9516% | 415 |
| Return on assets (ROA) | 1.9516% | 415 |
| Pretax return on assets | 2.6673% | 167 |
| Return on Equity (ROE) | 17.4358% | 466 |
| Retained earnings to average equity (ytd only) | 5.0959% | 3,124 |
| Net charge-offs to loans | 0.3725% | 421 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 1,996 |
| Efficiency ratio | 41.1837% | 5,427 |
| Assets per employee ($millions) | 5.1007% | 2,365 |
| Cash dividends to net income (ytd only)* | 70.7736% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2812% | 2,329 |
| Loan loss allowance to noncurrent loans | 998.6111% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.1008% | 4,582 |
| Noncurrent loans to loans | 0.1283% | 4,391 |
| Net loans and leases to total assets | 77.5802% | 1,302 |
| Net loans and leases to deposits | 88.0259% | 1,925 |
| Net loans and leases to core deposits | 91.6263% | 2,328 |
| Total domestic deposits to total assets | 88.1333% | 1,546 |
| Equity capital to assets | 11.2687% | 2,331 |
| Core capital (leverage) ratio | 11.3676% | 2,106 |
| Tier 1 risk-based capital ratio | 14.9243% | 2,901 |
| Total risk-based capital ratio | 16.1757% | 2,834 |
| Memoranda: | ||
| Average total assets | $71,532,500 | 4,714 |
| Average earning assets | $64,162,000 | 4,746 |
| Average equity | $8,006,500 | 4,745 |
| Average total loans | $56,905,500 | 4,284 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6819% | 1,241 |
| Cost of funding earning assets | 0.4018% | 3,238 |
| Net interest margin | 4.2801% | 1,011 |
| Noninterest income to average assets | 0.2963% | 4,330 |
| Noninterest expense to average assets | 1.7850% | 5,249 |
| Loan and lease loss provision to assets | 0.0559% | 3,112 |
| Net operating income to assets | 1.4593% | 883 |
| Return on assets (ROA) | 1.4593% | 893 |
| Pretax return on assets | 2.3413% | 247 |
| Return on Equity (ROE) | 13.2276% | 898 |
| Retained earnings to average equity (ytd only) | 1.9765% | 4,136 |
| Net charge-offs to loans | -0.0052% | 4,652 |
| Credit loss provision to net charge-offs | -1,333.3333% | 5,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6805% | 5,481 |
| Assets per employee ($millions) | 5.1182% | 2,340 |
| Cash dividends to net income (ytd only)* | 85.0575% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3381% | 2,034 |
| Loan loss allowance to noncurrent loans | 105.4645% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 1.0216% | 1,499 |
| Noncurrent loans to loans | 1.2688% | 1,386 |
| Net loans and leases to total assets | 79.4362% | 1,046 |
| Net loans and leases to deposits | 89.9167% | 1,784 |
| Net loans and leases to core deposits | 93.5692% | 2,237 |
| Total domestic deposits to total assets | 88.3441% | 1,332 |
| Equity capital to assets | 11.1172% | 2,521 |
| Core capital (leverage) ratio | 11.1354% | 2,210 |
| Tier 1 risk-based capital ratio | 14.4100% | 3,134 |
| Total risk-based capital ratio | 15.6624% | 3,045 |
| Memoranda: | ||
| Average total assets | $71,541,800 | 4,751 |
| Average earning assets | $64,952,200 | 4,765 |
| Average equity | $7,892,600 | 4,798 |
| Average total loans | $57,247,000 | 4,261 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6247% | 1,310 |
| Cost of funding earning assets | 0.3980% | 3,217 |
| Net interest margin | 4.2267% | 1,095 |
| Noninterest income to average assets | 0.2778% | 4,527 |
| Noninterest expense to average assets | 1.7768% | 5,299 |
| Loan and lease loss provision to assets | 0.0373% | 3,364 |
| Net operating income to assets | 1.3834% | 1,127 |
| Return on assets (ROA) | 1.3834% | 1,143 |
| Pretax return on assets | 2.3249% | 287 |
| Return on Equity (ROE) | 12.5639% | 1,165 |
| Retained earnings to average equity (ytd only) | 1.2869% | 4,889 |
| Net charge-offs to loans | -0.0070% | 4,535 |
| Credit loss provision to net charge-offs | -666.6667% | 4,864 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9279% | 5,516 |
| Assets per employee ($millions) | 5.0716% | 2,363 |
| Cash dividends to net income (ytd only)* | 89.7575% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3304% | 2,206 |
| Loan loss allowance to noncurrent loans | 110.6038% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 0.9563% | 1,779 |
| Noncurrent loans to loans | 1.2028% | 1,583 |
| Net loans and leases to total assets | 78.4485% | 1,205 |
| Net loans and leases to deposits | 88.9166% | 1,939 |
| Net loans and leases to core deposits | 96.1954% | 2,049 |
| Total domestic deposits to total assets | 88.2271% | 1,241 |
| Equity capital to assets | 11.1349% | 2,732 |
| Core capital (leverage) ratio | 11.1509% | 2,320 |
| Tier 1 risk-based capital ratio | 14.4339% | 3,220 |
| Total risk-based capital ratio | 15.6846% | 3,134 |
| Memoranda: | ||
| Average total assets | $71,513,500 | 4,803 |
| Average earning assets | $65,329,000 | 4,803 |
| Average equity | $7,874,250 | 4,850 |
| Average total loans | $57,135,750 | 4,305 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6828% | 1,091 |
| Cost of funding earning assets | 0.3897% | 3,182 |
| Net interest margin | 4.2931% | 879 |
| Noninterest income to average assets | 0.2651% | 4,644 |
| Noninterest expense to average assets | 1.7717% | 5,344 |
| Loan and lease loss provision to assets | 0.0140% | 3,675 |
| Net operating income to assets | 1.4341% | 992 |
| Return on assets (ROA) | 1.4341% | 1,021 |
| Pretax return on assets | 2.4134% | 244 |
| Return on Equity (ROE) | 13.0728% | 1,019 |
| Retained earnings to average equity (ytd only) | 1.7803% | 4,539 |
| Net charge-offs to loans | -0.0070% | 4,426 |
| Credit loss provision to net charge-offs | -250.0000% | 4,509 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1927% | 5,568 |
| Assets per employee ($millions) | 5.1649% | 2,194 |
| Cash dividends to net income (ytd only)* | 86.3813% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2720% | 2,561 |
| Loan loss allowance to noncurrent loans | 95.7087% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 1.0635% | 1,646 |
| Noncurrent loans to loans | 1.3290% | 1,454 |
| Net loans and leases to total assets | 79.0040% | 1,089 |
| Net loans and leases to deposits | 89.2651% | 1,833 |
| Net loans and leases to core deposits | 96.3925% | 1,944 |
| Total domestic deposits to total assets | 88.5049% | 1,202 |
| Equity capital to assets | 10.9364% | 2,884 |
| Core capital (leverage) ratio | 11.0098% | 2,392 |
| Tier 1 risk-based capital ratio | 14.1849% | 3,318 |
| Total risk-based capital ratio | 15.4366% | 3,237 |
| Memoranda: | ||
| Average total assets | $71,684,000 | 4,832 |
| Average earning assets | $65,686,670 | 4,838 |
| Average equity | $7,863,670 | 4,876 |
| Average total loans | $57,364,000 | 4,326 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6763% | 976 |
| Cost of funding earning assets | 0.3851% | 3,143 |
| Net interest margin | 4.2912% | 806 |
| Noninterest income to average assets | 0.3195% | 4,267 |
| Noninterest expense to average assets | 1.9504% | 5,151 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3675% | 1,067 |
| Return on assets (ROA) | 1.3675% | 1,103 |
| Pretax return on assets | 2.3034% | 299 |
| Return on Equity (ROE) | 12.4466% | 1,124 |
| Retained earnings to average equity (ytd only) | 1.1222% | 4,614 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8498% | 5,538 |
| Assets per employee ($millions) | 5.1671% | 2,219 |
| Cash dividends to net income (ytd only)* | 90.9836% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3167% | 2,456 |
| Loan loss allowance to noncurrent loans | 241.3907% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.4175% | 3,512 |
| Noncurrent loans to loans | 0.5455% | 3,181 |
| Net loans and leases to total assets | 75.5305% | 1,496 |
| Net loans and leases to deposits | 85.3399% | 2,107 |
| Net loans and leases to core deposits | 91.7546% | 2,189 |
| Total domestic deposits to total assets | 88.5055% | 1,420 |
| Equity capital to assets | 10.8614% | 2,788 |
| Core capital (leverage) ratio | 10.9944% | 2,366 |
| Tier 1 risk-based capital ratio | 14.3918% | 3,263 |
| Total risk-based capital ratio | 15.6420% | 3,187 |
| Memoranda: | ||
| Average total assets | $71,371,500 | 4,891 |
| Average earning assets | $65,437,000 | 4,890 |
| Average equity | $7,841,500 | 4,928 |
| Average total loans | $57,114,500 | 4,376 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9697% | 631 |
| Cost of funding earning assets | 0.3812% | 3,189 |
| Net interest margin | 4.5885% | 521 |
| Noninterest income to average assets | 0.2992% | 4,596 |
| Noninterest expense to average assets | 1.8125% | 5,463 |
| Loan and lease loss provision to assets | 0.0716% | 2,924 |
| Net operating income to assets | 1.6049% | 670 |
| Return on assets (ROA) | 1.6049% | 697 |
| Pretax return on assets | 2.6716% | 155 |
| Return on Equity (ROE) | 14.5001% | 698 |
| Retained earnings to average equity (ytd only) | 3.0526% | 3,727 |
| Net charge-offs to loans | 0.0979% | 2,318 |
| Credit loss provision to net charge-offs | 86.2069% | 2,869 |
| Earnings coverage of net charge-offs (x) | 33.0345% | 1,347 |
| Efficiency ratio | 39.7863% | 5,786 |
| Assets per employee ($millions) | 4.6936% | 2,801 |
| Cash dividends to net income (ytd only)* | 78.9474% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2385% | 2,885 |
| Loan loss allowance to noncurrent loans | 1,278.9474% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.0810% | 5,018 |
| Noncurrent loans to loans | 0.0968% | 4,852 |
| Net loans and leases to total assets | 82.5706% | 532 |
| Net loans and leases to deposits | 93.6119% | 1,238 |
| Net loans and leases to core deposits | 101.3088% | 1,504 |
| Total domestic deposits to total assets | 88.2052% | 1,531 |
| Equity capital to assets | 11.1158% | 2,523 |
| Core capital (leverage) ratio | 11.2210% | 2,151 |
| Tier 1 risk-based capital ratio | 13.8863% | 3,528 |
| Total risk-based capital ratio | 15.1369% | 3,444 |
| Memoranda: | ||
| Average total assets | $69,847,000 | 4,939 |
| Average earning assets | $64,792,400 | 4,923 |
| Average equity | $7,731,000 | 4,976 |
| Average total loans | $59,246,000 | 4,326 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0024% | 599 |
| Cost of funding earning assets | 0.3785% | 3,244 |
| Net interest margin | 4.6239% | 482 |
| Noninterest income to average assets | 0.2907% | 4,688 |
| Noninterest expense to average assets | 1.8324% | 5,480 |
| Loan and lease loss provision to assets | 0.0956% | 2,311 |
| Net operating income to assets | 1.6028% | 726 |
| Return on assets (ROA) | 1.6028% | 766 |
| Pretax return on assets | 2.6625% | 175 |
| Return on Equity (ROE) | 14.4969% | 740 |
| Retained earnings to average equity (ytd only) | 3.0100% | 4,108 |
| Net charge-offs to loans | 0.1416% | 1,575 |
| Credit loss provision to net charge-offs | 79.3651% | 2,670 |
| Earnings coverage of net charge-offs (x) | 22.8883% | 1,731 |
| Efficiency ratio | 39.9167% | 5,834 |
| Assets per employee ($millions) | 4.6538% | 2,834 |
| Cash dividends to net income (ytd only)* | 79.2358% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2142% | 3,148 |
| Loan loss allowance to noncurrent loans | 4,525.0000% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0229% | 5,418 |
| Noncurrent loans to loans | 0.0268% | 5,276 |
| Net loans and leases to total assets | 84.3784% | 379 |
| Net loans and leases to deposits | 101.6165% | 598 |
| Net loans and leases to core deposits | 110.0972% | 903 |
| Total domestic deposits to total assets | 83.0361% | 3,579 |
| Equity capital to assets | 11.1837% | 2,814 |
| Core capital (leverage) ratio | 11.1619% | 2,304 |
| Tier 1 risk-based capital ratio | 13.7425% | 3,716 |
| Total risk-based capital ratio | 14.9935% | 3,628 |
| Memoranda: | ||
| Average total assets | $69,707,750 | 4,981 |
| Average earning assets | $64,821,000 | 4,964 |
| Average equity | $7,707,250 | 5,029 |
| Average total loans | $59,342,000 | 4,357 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0242% | 561 |
| Cost of funding earning assets | 0.3736% | 3,319 |
| Net interest margin | 4.6505% | 457 |
| Noninterest income to average assets | 0.2354% | 5,075 |
| Noninterest expense to average assets | 1.8256% | 5,567 |
| Loan and lease loss provision to assets | 0.1148% | 1,968 |
| Net operating income to assets | 1.5759% | 762 |
| Return on assets (ROA) | 1.5759% | 805 |
| Pretax return on assets | 2.6179% | 185 |
| Return on Equity (ROE) | 14.3081% | 786 |
| Retained earnings to average equity (ytd only) | 2.7886% | 4,123 |
| Net charge-offs to loans | 0.2397% | 986 |
| Credit loss provision to net charge-offs | 56.3380% | 2,615 |
| Earnings coverage of net charge-offs (x) | 13.4085% | 2,129 |
| Efficiency ratio | 40.0504% | 5,906 |
| Assets per employee ($millions) | 4.6501% | 2,797 |
| Cash dividends to net income (ytd only)* | 80.5100% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1786% | 3,474 |
| Loan loss allowance to noncurrent loans | 383.6957% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.2638% | 4,446 |
| Noncurrent loans to loans | 0.3072% | 4,269 |
| Net loans and leases to total assets | 84.8664% | 347 |
| Net loans and leases to deposits | 102.0392% | 562 |
| Net loans and leases to core deposits | 106.5615% | 1,137 |
| Total domestic deposits to total assets | 83.1704% | 3,586 |
| Equity capital to assets | 11.1022% | 2,942 |
| Core capital (leverage) ratio | 11.0774% | 2,353 |
| Tier 1 risk-based capital ratio | 13.0405% | 4,178 |
| Total risk-based capital ratio | 14.2361% | 4,120 |
| Memoranda: | ||
| Average total assets | $69,674,670 | 5,030 |
| Average earning assets | $64,767,000 | 5,012 |
| Average equity | $7,674,000 | 5,075 |
| Average total loans | $59,247,330 | 4,376 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0309% | 546 |
| Cost of funding earning assets | 0.3789% | 3,309 |
| Net interest margin | 4.6520% | 462 |
| Noninterest income to average assets | 0.2527% | 4,941 |
| Noninterest expense to average assets | 1.8496% | 5,595 |
| Loan and lease loss provision to assets | 0.1436% | 1,469 |
| Net operating income to assets | 1.5452% | 783 |
| Return on assets (ROA) | 1.5452% | 825 |
| Pretax return on assets | 2.5619% | 216 |
| Return on Equity (ROE) | 14.0856% | 821 |
| Retained earnings to average equity (ytd only) | 2.4611% | 4,275 |
| Net charge-offs to loans | -0.0407% | 5,225 |
| Credit loss provision to net charge-offs | -416.6667% | 4,505 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6053% | 5,952 |
| Assets per employee ($millions) | 4.5677% | 2,961 |
| Cash dividends to net income (ytd only)* | 82.5279% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3102% | 2,851 |
| Loan loss allowance to noncurrent loans | 393.8462% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.2846% | 4,425 |
| Noncurrent loans to loans | 0.3327% | 4,244 |
| Net loans and leases to total assets | 84.4328% | 333 |
| Net loans and leases to deposits | 95.8925% | 953 |
| Net loans and leases to core deposits | 99.9723% | 1,485 |
| Total domestic deposits to total assets | 88.0495% | 1,612 |
| Equity capital to assets | 11.2003% | 2,726 |
| Core capital (leverage) ratio | 10.9363% | 2,462 |
| Tier 1 risk-based capital ratio | 13.1172% | 4,184 |
| Total risk-based capital ratio | 14.3689% | 4,105 |
| Memoranda: | ||
| Average total assets | $69,636,000 | 5,076 |
| Average earning assets | $64,402,500 | 5,067 |
| Average equity | $7,639,000 | 5,115 |
| Average total loans | $58,920,000 | 4,413 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9118% | 747 |
| Cost of funding earning assets | 0.3615% | 3,563 |
| Net interest margin | 4.5503% | 605 |
| Noninterest income to average assets | 0.3491% | 4,407 |
| Noninterest expense to average assets | 1.9171% | 5,595 |
| Loan and lease loss provision to assets | 0.1467% | 1,610 |
| Net operating income to assets | 1.5314% | 807 |
| Return on assets (ROA) | 1.5314% | 839 |
| Pretax return on assets | 2.5317% | 191 |
| Return on Equity (ROE) | 13.8808% | 856 |
| Retained earnings to average equity (ytd only) | 2.1273% | 4,508 |
| Net charge-offs to loans | -0.0311% | 5,410 |
| Credit loss provision to net charge-offs | -555.5556% | 5,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7172% | 6,034 |
| Assets per employee ($millions) | 4.4223% | 3,166 |
| Cash dividends to net income (ytd only)* | 84.6743% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2445% | 3,215 |
| Loan loss allowance to noncurrent loans | 241.6393% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.4311% | 3,887 |
| Noncurrent loans to loans | 0.5150% | 3,634 |
| Net loans and leases to total assets | 82.6573% | 524 |
| Net loans and leases to deposits | 98.5376% | 779 |
| Net loans and leases to core deposits | 101.9915% | 1,363 |
| Total domestic deposits to total assets | 83.8841% | 3,531 |
| Equity capital to assets | 10.7468% | 3,077 |
| Core capital (leverage) ratio | 11.0745% | 2,329 |
| Tier 1 risk-based capital ratio | 13.0126% | 4,303 |
| Total risk-based capital ratio | 14.2620% | 4,217 |
| Memoranda: | ||
| Average total assets | $68,175,000 | 5,129 |
| Average earning assets | $63,622,800 | 5,096 |
| Average equity | $7,521,200 | 5,144 |
| Average total loans | $57,921,400 | 4,427 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9245% | 727 |
| Cost of funding earning assets | 0.3578% | 3,668 |
| Net interest margin | 4.5667% | 574 |
| Noninterest income to average assets | 0.3356% | 4,546 |
| Noninterest expense to average assets | 1.9290% | 5,597 |
| Loan and lease loss provision to assets | 0.0888% | 2,379 |
| Net operating income to assets | 1.5736% | 815 |
| Return on assets (ROA) | 1.5736% | 853 |
| Pretax return on assets | 2.6022% | 207 |
| Return on Equity (ROE) | 14.1676% | 869 |
| Retained earnings to average equity (ytd only) | 2.3642% | 4,700 |
| Net charge-offs to loans | -0.0069% | 4,893 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,550 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7521% | 6,096 |
| Assets per employee ($millions) | 4.3986% | 3,172 |
| Cash dividends to net income (ytd only)* | 83.3123% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1827% | 3,752 |
| Loan loss allowance to noncurrent loans | 285.0427% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.3547% | 4,355 |
| Noncurrent loans to loans | 0.4149% | 4,119 |
| Net loans and leases to total assets | 84.4632% | 351 |
| Net loans and leases to deposits | 97.9816% | 818 |
| Net loans and leases to core deposits | 101.5711% | 1,408 |
| Total domestic deposits to total assets | 86.2032% | 2,439 |
| Equity capital to assets | 11.5173% | 2,495 |
| Core capital (leverage) ratio | 11.1378% | 2,364 |
| Tier 1 risk-based capital ratio | 13.3326% | 4,231 |
| Total risk-based capital ratio | 14.5080% | 4,203 |
| Memoranda: | ||
| Average total assets | $67,529,750 | 5,205 |
| Average earning assets | $63,355,500 | 5,164 |
| Average equity | $7,500,500 | 5,209 |
| Average total loans | $57,596,250 | 4,483 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8949% | 737 |
| Cost of funding earning assets | 0.3541% | 3,766 |
| Net interest margin | 4.5408% | 587 |
| Noninterest income to average assets | 0.2322% | 5,303 |
| Noninterest expense to average assets | 1.9663% | 5,596 |
| Loan and lease loss provision to assets | 0.0882% | 2,345 |
| Net operating income to assets | 1.4725% | 945 |
| Return on assets (ROA) | 1.4725% | 995 |
| Pretax return on assets | 2.4366% | 270 |
| Return on Equity (ROE) | 13.4178% | 1,034 |
| Retained earnings to average equity (ytd only) | 1.5801% | 4,911 |
| Net charge-offs to loans | -0.0069% | 4,823 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7827% | 6,120 |
| Assets per employee ($millions) | 4.5530% | 2,897 |
| Cash dividends to net income (ytd only)* | 88.2236% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1119% | 4,265 |
| Loan loss allowance to noncurrent loans | 285.0877% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.3338% | 4,543 |
| Noncurrent loans to loans | 0.3900% | 4,313 |
| Net loans and leases to total assets | 84.6475% | 328 |
| Net loans and leases to deposits | 100.7670% | 607 |
| Net loans and leases to core deposits | 104.4218% | 1,163 |
| Total domestic deposits to total assets | 84.0032% | 3,561 |
| Equity capital to assets | 10.9891% | 2,892 |
| Core capital (leverage) ratio | 11.0555% | 2,374 |
| Tier 1 risk-based capital ratio | 12.9815% | 4,529 |
| Total risk-based capital ratio | 14.1077% | 4,510 |
| Memoranda: | ||
| Average total assets | $68,046,670 | 5,252 |
| Average earning assets | $63,821,330 | 5,205 |
| Average equity | $7,467,670 | 5,266 |
| Average total loans | $57,996,670 | 4,511 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9185% | 670 |
| Cost of funding earning assets | 0.3522% | 3,834 |
| Net interest margin | 4.5663% | 539 |
| Noninterest income to average assets | 0.2356% | 5,278 |
| Noninterest expense to average assets | 2.1377% | 5,305 |
| Loan and lease loss provision to assets | 0.0883% | 2,219 |
| Net operating income to assets | 1.3839% | 1,062 |
| Return on assets (ROA) | 1.3839% | 1,121 |
| Pretax return on assets | 2.2850% | 335 |
| Return on Equity (ROE) | 12.6191% | 1,184 |
| Retained earnings to average equity (ytd only) | 0.8055% | 5,133 |
| Net charge-offs to loans | 0.0208% | 2,730 |
| Credit loss provision to net charge-offs | 500.0000% | 534 |
| Earnings coverage of net charge-offs (x) | 134.3333% | 389 |
| Efficiency ratio | 47.3890% | 6,047 |
| Assets per employee ($millions) | 4.4697% | 3,098 |
| Cash dividends to net income (ytd only)* | 93.6170% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1011% | 4,517 |
| Loan loss allowance to noncurrent loans | 294.8598% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.3192% | 4,708 |
| Noncurrent loans to loans | 0.3734% | 4,471 |
| Net loans and leases to total assets | 84.5298% | 281 |
| Net loans and leases to deposits | 97.3713% | 735 |
| Net loans and leases to core deposits | 100.8506% | 1,265 |
| Total domestic deposits to total assets | 86.8118% | 2,479 |
| Equity capital to assets | 11.1462% | 2,812 |
| Core capital (leverage) ratio | 10.8855% | 2,532 |
| Tier 1 risk-based capital ratio | 13.2282% | 4,476 |
| Total risk-based capital ratio | 14.3489% | 4,471 |
| Memoranda: | ||
| Average total assets | $67,922,500 | 5,308 |
| Average earning assets | $63,597,000 | 5,260 |
| Average equity | $7,449,000 | 5,317 |
| Average total loans | $57,765,000 | 4,553 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9301% | 874 |
| Cost of funding earning assets | 0.3598% | 4,145 |
| Net interest margin | 4.5704% | 655 |
| Noninterest income to average assets | 0.3534% | 4,578 |
| Noninterest expense to average assets | 1.8713% | 5,973 |
| Loan and lease loss provision to assets | 0.1715% | 1,515 |
| Net operating income to assets | 1.6461% | 645 |
| Return on assets (ROA) | 1.6461% | 668 |
| Pretax return on assets | 2.5915% | 162 |
| Return on Equity (ROE) | 15.2246% | 742 |
| Retained earnings to average equity (ytd only) | 2.9925% | 4,108 |
| Net charge-offs to loans | 0.3620% | 1,203 |
| Credit loss provision to net charge-offs | 56.6502% | 3,348 |
| Earnings coverage of net charge-offs (x) | 9.1281% | 2,789 |
| Efficiency ratio | 40.3797% | 6,390 |
| Assets per employee ($millions) | 4.5867% | 2,892 |
| Cash dividends to net income (ytd only)* | 80.3442% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0631% | 4,747 |
| Loan loss allowance to noncurrent loans | 1,190.3846% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.0814% | 5,703 |
| Noncurrent loans to loans | 0.0893% | 5,532 |
| Net loans and leases to total assets | 83.7311% | 365 |
| Net loans and leases to deposits | 96.7258% | 850 |
| Net loans and leases to core deposits | 100.0973% | 1,388 |
| Total domestic deposits to total assets | 86.5654% | 2,532 |
| Equity capital to assets | 10.7922% | 3,129 |
| Core capital (leverage) ratio | 10.8616% | 2,544 |
| Tier 1 risk-based capital ratio | 12.8118% | 4,850 |
| Total risk-based capital ratio | 13.8787% | 4,870 |
| Memoranda: | ||
| Average total assets | $67,066,200 | 5,369 |
| Average earning assets | $62,817,600 | 5,315 |
| Average equity | $7,251,400 | 5,365 |
| Average total loans | $56,076,000 | 4,609 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9138% | 906 |
| Cost of funding earning assets | 0.3583% | 4,250 |
| Net interest margin | 4.5555% | 680 |
| Noninterest income to average assets | 0.3302% | 4,794 |
| Noninterest expense to average assets | 1.8489% | 6,030 |
| Loan and lease loss provision to assets | 0.1801% | 1,361 |
| Net operating income to assets | 1.5487% | 848 |
| Return on assets (ROA) | 1.5487% | 877 |
| Pretax return on assets | 2.5752% | 187 |
| Return on Equity (ROE) | 14.3170% | 929 |
| Retained earnings to average equity (ytd only) | 1.9792% | 5,067 |
| Net charge-offs to loans | 0.4849% | 807 |
| Credit loss provision to net charge-offs | 44.5545% | 3,208 |
| Earnings coverage of net charge-offs (x) | 6.8167% | 3,024 |
| Efficiency ratio | 40.1565% | 6,450 |
| Assets per employee ($millions) | 4.5057% | 2,961 |
| Cash dividends to net income (ytd only)* | 86.1760% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0345% | 5,052 |
| Loan loss allowance to noncurrent loans | 164.3646% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 0.5534% | 4,199 |
| Noncurrent loans to loans | 0.6294% | 4,039 |
| Net loans and leases to total assets | 84.2201% | 324 |
| Net loans and leases to deposits | 101.9578% | 505 |
| Net loans and leases to core deposits | 105.8306% | 966 |
| Total domestic deposits to total assets | 82.6029% | 4,266 |
| Equity capital to assets | 10.7981% | 3,185 |
| Core capital (leverage) ratio | 10.8404% | 2,648 |
| Tier 1 risk-based capital ratio | 12.8040% | 4,973 |
| Total risk-based capital ratio | 13.8444% | 5,039 |
| Memoranda: | ||
| Average total assets | $66,632,750 | 5,437 |
| Average earning assets | $62,516,750 | 5,388 |
| Average equity | $7,208,000 | 5,419 |
| Average total loans | $55,538,500 | 4,671 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8637% | 975 |
| Cost of funding earning assets | 0.3598% | 4,324 |
| Net interest margin | 4.5039% | 701 |
| Noninterest income to average assets | 0.2262% | 5,589 |
| Noninterest expense to average assets | 1.8065% | 6,136 |
| Loan and lease loss provision to assets | 0.2111% | 1,123 |
| Net operating income to assets | 1.4657% | 937 |
| Return on assets (ROA) | 1.4657% | 975 |
| Pretax return on assets | 2.4369% | 237 |
| Return on Equity (ROE) | 13.5414% | 1,047 |
| Retained earnings to average equity (ytd only) | 1.2260% | 5,261 |
| Net charge-offs to loans | 0.7580% | 502 |
| Credit loss provision to net charge-offs | 33.6538% | 3,005 |
| Earnings coverage of net charge-offs (x) | 4.2212% | 3,153 |
| Efficiency ratio | 40.5552% | 6,510 |
| Assets per employee ($millions) | 4.4249% | 3,043 |
| Cash dividends to net income (ytd only)* | 90.9465% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0099% | 5,301 |
| Loan loss allowance to noncurrent loans | 964.4068% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.0889% | 5,894 |
| Noncurrent loans to loans | 0.1047% | 5,700 |
| Net loans and leases to total assets | 84.0327% | 297 |
| Net loans and leases to deposits | 97.4423% | 704 |
| Net loans and leases to core deposits | 101.7235% | 1,154 |
| Total domestic deposits to total assets | 86.2384% | 2,908 |
| Equity capital to assets | 10.9020% | 2,977 |
| Core capital (leverage) ratio | 10.9076% | 2,520 |
| Tier 1 risk-based capital ratio | 13.0889% | 4,864 |
| Total risk-based capital ratio | 14.1149% | 4,934 |
| Memoranda: | ||
| Average total assets | $66,315,000 | 5,495 |
| Average earning assets | $62,257,000 | 5,450 |
| Average equity | $7,178,000 | 5,442 |
| Average total loans | $54,879,330 | 4,723 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8038% | 1,038 |
| Cost of funding earning assets | 0.3666% | 4,359 |
| Net interest margin | 4.4372% | 745 |
| Noninterest income to average assets | 0.2655% | 5,241 |
| Noninterest expense to average assets | 1.8707% | 6,109 |
| Loan and lease loss provision to assets | 0.4224% | 397 |
| Net operating income to assets | 1.2612% | 1,317 |
| Return on assets (ROA) | 1.2612% | 1,371 |
| Pretax return on assets | 2.1362% | 401 |
| Return on Equity (ROE) | 11.6939% | 1,495 |
| Retained earnings to average equity (ytd only) | -0.7274% | 5,683 |
| Net charge-offs to loans | 1.6178% | 193 |
| Credit loss provision to net charge-offs | 31.9635% | 2,380 |
| Earnings coverage of net charge-offs (x) | 1.9361% | 2,983 |
| Efficiency ratio | 42.2343% | 6,544 |
| Assets per employee ($millions) | 4.7560% | 2,585 |
| Cash dividends to net income (ytd only)* | 106.2201% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0522% | 5,306 |
| Loan loss allowance to noncurrent loans | 871.8750% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.1412% | 5,825 |
| Noncurrent loans to loans | 0.1207% | 5,755 |
| Net loans and leases to total assets | 78.8102% | 676 |
| Net loans and leases to deposits | 89.0403% | 1,250 |
| Net loans and leases to core deposits | 92.8350% | 1,653 |
| Total domestic deposits to total assets | 88.5108% | 1,931 |
| Equity capital to assets | 10.7398% | 2,996 |
| Core capital (leverage) ratio | 10.8575% | 2,534 |
| Tier 1 risk-based capital ratio | 13.6604% | 4,569 |
| Total risk-based capital ratio | 14.7187% | 4,650 |
| Memoranda: | ||
| Average total assets | $66,286,000 | 5,558 |
| Average earning assets | $62,201,000 | 5,496 |
| Average equity | $7,149,000 | 5,482 |
| Average total loans | $54,147,000 | 4,788 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8845% | 1,122 |
| Cost of funding earning assets | 0.4442% | 4,172 |
| Net interest margin | 4.4403% | 840 |
| Noninterest income to average assets | 0.4025% | 4,426 |
| Noninterest expense to average assets | 1.8158% | 6,293 |
| Loan and lease loss provision to assets | 0.2966% | 1,141 |
| Net operating income to assets | 1.3830% | 1,062 |
| Return on assets (ROA) | 1.3830% | 1,099 |
| Pretax return on assets | 2.4195% | 223 |
| Return on Equity (ROE) | 12.6768% | 1,235 |
| Retained earnings to average equity (ytd only) | 0.3745% | 5,678 |
| Net charge-offs to loans | 0.0302% | 4,824 |
| Credit loss provision to net charge-offs | 1,225.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 112.1875% | 422 |
| Efficiency ratio | 40.0668% | 6,689 |
| Assets per employee ($millions) | 4.3992% | 3,092 |
| Cash dividends to net income (ytd only)* | 97.0460% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2794% | 4,246 |
| Loan loss allowance to noncurrent loans | 1,024.6377% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.1500% | 5,870 |
| Noncurrent loans to loans | 0.1249% | 5,827 |
| Net loans and leases to total assets | 82.6726% | 350 |
| Net loans and leases to deposits | 93.5377% | 910 |
| Net loans and leases to core deposits | 97.5625% | 1,344 |
| Total domestic deposits to total assets | 88.3843% | 1,959 |
| Equity capital to assets | 10.8308% | 2,786 |
| Core capital (leverage) ratio | 10.7718% | 2,600 |
| Tier 1 risk-based capital ratio | 13.2277% | 4,832 |
| Total risk-based capital ratio | 14.4779% | 4,775 |
| Memoranda: | ||
| Average total assets | $66,087,600 | 5,593 |
| Average earning assets | $61,459,400 | 5,551 |
| Average equity | $7,210,000 | 5,517 |
| Average total loans | $52,913,000 | 4,847 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8398% | 1,264 |
| Cost of funding earning assets | 0.4551% | 4,217 |
| Net interest margin | 4.3846% | 927 |
| Noninterest income to average assets | 0.4477% | 4,170 |
| Noninterest expense to average assets | 1.8231% | 6,311 |
| Loan and lease loss provision to assets | 0.0403% | 4,202 |
| Net operating income to assets | 1.5993% | 750 |
| Return on assets (ROA) | 1.5993% | 794 |
| Pretax return on assets | 2.6641% | 193 |
| Return on Equity (ROE) | 14.6325% | 863 |
| Retained earnings to average equity (ytd only) | 2.3618% | 4,916 |
| Net charge-offs to loans | 0.0459% | 4,255 |
| Credit loss provision to net charge-offs | 111.1111% | 2,120 |
| Earnings coverage of net charge-offs (x) | 74.4983% | 633 |
| Efficiency ratio | 40.2673% | 6,748 |
| Assets per employee ($millions) | 4.0798% | 3,676 |
| Cash dividends to net income (ytd only)* | 83.8581% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9579% | 5,891 |
| Loan loss allowance to noncurrent loans | 375.1773% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.2620% | 5,654 |
| Noncurrent loans to loans | 0.2553% | 5,591 |
| Net loans and leases to total assets | 83.7937% | 258 |
| Net loans and leases to deposits | 98.5834% | 530 |
| Net loans and leases to core deposits | 103.4321% | 907 |
| Total domestic deposits to total assets | 84.9978% | 3,749 |
| Equity capital to assets | 11.1126% | 2,652 |
| Core capital (leverage) ratio | 11.1838% | 2,318 |
| Tier 1 risk-based capital ratio | 13.3771% | 4,855 |
| Total risk-based capital ratio | 14.3442% | 5,009 |
| Memoranda: | ||
| Average total assets | $66,112,500 | 5,646 |
| Average earning assets | $61,516,750 | 5,612 |
| Average equity | $7,225,750 | 5,579 |
| Average total loans | $52,326,000 | 4,911 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7660% | 1,407 |
| Cost of funding earning assets | 0.4682% | 4,230 |
| Net interest margin | 4.2979% | 1,038 |
| Noninterest income to average assets | 0.3404% | 4,957 |
| Noninterest expense to average assets | 1.8045% | 6,370 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.5333% | 845 |
| Return on assets (ROA) | 1.5333% | 912 |
| Pretax return on assets | 2.5184% | 268 |
| Return on Equity (ROE) | 14.1069% | 986 |
| Retained earnings to average equity (ytd only) | 1.7738% | 5,128 |
| Net charge-offs to loans | 0.0156% | 4,526 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 209.0000% | 250 |
| Efficiency ratio | 41.7422% | 6,762 |
| Assets per employee ($millions) | 4.4051% | 2,977 |
| Cash dividends to net income (ytd only)* | 87.4263% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0004% | 5,821 |
| Loan loss allowance to noncurrent loans | 387.4074% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.2043% | 5,882 |
| Noncurrent loans to loans | 0.2582% | 5,664 |
| Net loans and leases to total assets | 78.3265% | 708 |
| Net loans and leases to deposits | 89.6765% | 1,180 |
| Net loans and leases to core deposits | 93.9054% | 1,526 |
| Total domestic deposits to total assets | 87.3434% | 2,623 |
| Equity capital to assets | 10.9177% | 2,831 |
| Core capital (leverage) ratio | 10.9112% | 2,439 |
| Tier 1 risk-based capital ratio | 14.2001% | 4,292 |
| Total risk-based capital ratio | 15.2241% | 4,404 |
| Memoranda: | ||
| Average total assets | $66,391,000 | 5,676 |
| Average earning assets | $61,518,670 | 5,652 |
| Average equity | $7,216,330 | 5,628 |
| Average total loans | $51,359,000 | 4,971 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7451% | 1,416 |
| Cost of funding earning assets | 0.5002% | 4,083 |
| Net interest margin | 4.2449% | 1,083 |
| Noninterest income to average assets | 0.3967% | 4,481 |
| Noninterest expense to average assets | 1.8212% | 6,411 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5027% | 848 |
| Return on assets (ROA) | 1.5027% | 926 |
| Pretax return on assets | 2.4523% | 286 |
| Return on Equity (ROE) | 13.8552% | 986 |
| Retained earnings to average equity (ytd only) | 1.6626% | 5,153 |
| Net charge-offs to loans | 0.0079% | 3,995 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 408.0000% | 81 |
| Efficiency ratio | 42.6160% | 6,816 |
| Assets per employee ($millions) | 4.3963% | 3,157 |
| Cash dividends to net income (ytd only)* | 88.0000% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0308% | 5,871 |
| Loan loss allowance to noncurrent loans | 314.9701% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.2532% | 5,816 |
| Noncurrent loans to loans | 0.3273% | 5,583 |
| Net loans and leases to total assets | 76.5805% | 768 |
| Net loans and leases to deposits | 86.7536% | 1,273 |
| Net loans and leases to core deposits | 90.8079% | 1,627 |
| Total domestic deposits to total assets | 88.2736% | 2,148 |
| Equity capital to assets | 10.9637% | 2,994 |
| Core capital (leverage) ratio | 10.9349% | 2,318 |
| Tier 1 risk-based capital ratio | 14.2112% | 4,352 |
| Total risk-based capital ratio | 15.2467% | 4,465 |
| Memoranda: | ||
| Average total assets | $66,548,500 | 5,723 |
| Average earning assets | $60,779,000 | 5,720 |
| Average equity | $7,217,500 | 5,683 |
| Average total loans | $50,899,500 | 5,020 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0234% | 1,495 |
| Cost of funding earning assets | 0.6500% | 3,913 |
| Net interest margin | 4.3733% | 1,221 |
| Noninterest income to average assets | 0.5749% | 3,417 |
| Noninterest expense to average assets | 1.8081% | 6,614 |
| Loan and lease loss provision to assets | 0.3716% | 1,761 |
| Net operating income to assets | 1.4592% | 990 |
| Return on assets (ROA) | 1.4592% | 1,102 |
| Pretax return on assets | 2.3754% | 303 |
| Return on Equity (ROE) | 13.5382% | 1,097 |
| Retained earnings to average equity (ytd only) | 1.0836% | 5,330 |
| Net charge-offs to loans | 0.9238% | 1,216 |
| Credit loss provision to net charge-offs | 53.1453% | 4,615 |
| Earnings coverage of net charge-offs (x) | 3.9284% | 3,542 |
| Efficiency ratio | 39.6936% | 6,933 |
| Assets per employee ($millions) | 4.4768% | 3,005 |
| Cash dividends to net income (ytd only)* | 91.9958% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0380% | 5,817 |
| Loan loss allowance to noncurrent loans | 245.1163% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.7297% | 4,655 |
| Noncurrent loans to loans | 0.4235% | 5,432 |
| Net loans and leases to total assets | 74.8228% | 1,075 |
| Net loans and leases to deposits | 84.5022% | 1,697 |
| Net loans and leases to core deposits | 88.3615% | 2,044 |
| Total domestic deposits to total assets | 88.5454% | 1,875 |
| Equity capital to assets | 10.7294% | 3,242 |
| Core capital (leverage) ratio | 10.6379% | 2,609 |
| Tier 1 risk-based capital ratio | 13.9066% | 4,444 |
| Total risk-based capital ratio | 14.9260% | 4,571 |
| Memoranda: | ||
| Average total assets | $65,926,200 | 5,745 |
| Average earning assets | $59,999,800 | 5,745 |
| Average equity | $7,105,800 | 5,734 |
| Average total loans | $49,903,400 | 5,110 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0583% | 1,537 |
| Cost of funding earning assets | 0.6835% | 3,911 |
| Net interest margin | 4.3748% | 1,263 |
| Noninterest income to average assets | 0.4104% | 4,549 |
| Noninterest expense to average assets | 1.9282% | 6,474 |
| Loan and lease loss provision to assets | 0.4978% | 1,232 |
| Net operating income to assets | 1.0789% | 2,173 |
| Return on assets (ROA) | 1.0789% | 2,375 |
| Pretax return on assets | 1.9770% | 738 |
| Return on Equity (ROE) | 9.9983% | 2,347 |
| Retained earnings to average equity (ytd only) | -2.5231% | 6,449 |
| Net charge-offs to loans | 1.2371% | 779 |
| Credit loss provision to net charge-offs | 53.1453% | 4,322 |
| Earnings coverage of net charge-offs (x) | 2.6421% | 3,977 |
| Efficiency ratio | 43.7933% | 6,904 |
| Assets per employee ($millions) | 4.0130% | 3,844 |
| Cash dividends to net income (ytd only)* | 125.2352% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0489% | 5,897 |
| Loan loss allowance to noncurrent loans | 155.9172% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 1.1572% | 3,976 |
| Noncurrent loans to loans | 0.6727% | 5,100 |
| Net loans and leases to total assets | 77.4296% | 803 |
| Net loans and leases to deposits | 87.6779% | 1,395 |
| Net loans and leases to core deposits | 92.2272% | 1,760 |
| Total domestic deposits to total assets | 88.3114% | 1,841 |
| Equity capital to assets | 10.8912% | 3,390 |
| Core capital (leverage) ratio | 10.9954% | 2,386 |
| Tier 1 risk-based capital ratio | 13.8788% | 4,630 |
| Total risk-based capital ratio | 14.9270% | 4,720 |
| Memoranda: | ||
| Average total assets | $65,619,750 | 5,823 |
| Average earning assets | $59,887,000 | 5,810 |
| Average equity | $7,081,000 | 5,804 |
| Average total loans | $49,686,250 | 5,182 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0043% | 1,782 |
| Cost of funding earning assets | 0.7154% | 3,896 |
| Net interest margin | 4.2889% | 1,500 |
| Noninterest income to average assets | 0.3177% | 5,275 |
| Noninterest expense to average assets | 2.0094% | 6,410 |
| Loan and lease loss provision to assets | 0.0454% | 5,104 |
| Net operating income to assets | 1.2770% | 1,497 |
| Return on assets (ROA) | 1.2770% | 1,660 |
| Pretax return on assets | 2.1819% | 501 |
| Return on Equity (ROE) | 11.8701% | 1,709 |
| Retained earnings to average equity (ytd only) | -0.6469% | 6,155 |
| Net charge-offs to loans | -0.1576% | 6,956 |
| Credit loss provision to net charge-offs | -38.4615% | 5,982 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4286% | 6,808 |
| Assets per employee ($millions) | 3.9889% | 3,901 |
| Cash dividends to net income (ytd only)* | 105.4502% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5878% | 3,645 |
| Loan loss allowance to noncurrent loans | 114.0200% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 1.7282% | 3,134 |
| Noncurrent loans to loans | 1.3926% | 3,833 |
| Net loans and leases to total assets | 77.3969% | 795 |
| Net loans and leases to deposits | 87.8247% | 1,380 |
| Net loans and leases to core deposits | 92.4155% | 1,743 |
| Total domestic deposits to total assets | 88.1265% | 2,058 |
| Equity capital to assets | 11.1229% | 2,990 |
| Core capital (leverage) ratio | 10.8404% | 2,445 |
| Tier 1 risk-based capital ratio | 14.1508% | 4,341 |
| Total risk-based capital ratio | 15.4044% | 4,305 |
| Memoranda: | ||
| Average total assets | $66,090,330 | 5,842 |
| Average earning assets | $60,388,330 | 5,823 |
| Average equity | $7,110,330 | 5,817 |
| Average total loans | $49,500,670 | 5,215 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9971% | 1,896 |
| Cost of funding earning assets | 0.7502% | 3,860 |
| Net interest margin | 4.2469% | 1,617 |
| Noninterest income to average assets | 0.3511% | 5,053 |
| Noninterest expense to average assets | 1.9874% | 6,483 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2853% | 1,490 |
| Return on assets (ROA) | 1.2853% | 1,669 |
| Pretax return on assets | 2.2373% | 504 |
| Return on Equity (ROE) | 12.1417% | 1,641 |
| Retained earnings to average equity (ytd only) | -0.2248% | 6,032 |
| Net charge-offs to loans | -0.3174% | 7,082 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0423% | 6,848 |
| Assets per employee ($millions) | 4.1438% | 3,703 |
| Cash dividends to net income (ytd only)* | 101.8519% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6399% | 3,577 |
| Loan loss allowance to noncurrent loans | 93.2062% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 1.9095% | 3,033 |
| Noncurrent loans to loans | 1.7594% | 3,473 |
| Net loans and leases to total assets | 70.7455% | 1,623 |
| Net loans and leases to deposits | 80.3484% | 2,160 |
| Net loans and leases to core deposits | 83.9568% | 2,553 |
| Total domestic deposits to total assets | 88.0484% | 2,288 |
| Equity capital to assets | 10.7223% | 3,236 |
| Core capital (leverage) ratio | 10.6880% | 2,557 |
| Tier 1 risk-based capital ratio | 14.4360% | 4,161 |
| Total risk-based capital ratio | 15.6893% | 4,119 |
| Memoranda: | ||
| Average total assets | $67,224,000 | 5,851 |
| Average earning assets | $61,315,000 | 5,831 |
| Average equity | $7,116,000 | 5,835 |
| Average total loans | $49,154,000 | 5,260 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3994% | 1,421 |
| Cost of funding earning assets | 0.9940% | 3,425 |
| Net interest margin | 4.4054% | 1,387 |
| Noninterest income to average assets | 0.4273% | 4,385 |
| Noninterest expense to average assets | 2.0569% | 6,572 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.4159% | 994 |
| Return on assets (ROA) | 1.4159% | 1,073 |
| Pretax return on assets | 2.3984% | 253 |
| Return on Equity (ROE) | 13.2700% | 1,100 |
| Retained earnings to average equity (ytd only) | 0.8038% | 5,483 |
| Net charge-offs to loans | 0.0660% | 5,648 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 46.8824% | 591 |
| Efficiency ratio | 46.1668% | 7,037 |
| Assets per employee ($millions) | 4.2592% | 3,344 |
| Cash dividends to net income (ytd only)* | 93.9426% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4678% | 4,159 |
| Loan loss allowance to noncurrent loans | 110.2374% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 1.5819% | 3,570 |
| Noncurrent loans to loans | 1.3315% | 4,153 |
| Net loans and leases to total assets | 73.1918% | 1,411 |
| Net loans and leases to deposits | 83.2438% | 2,032 |
| Net loans and leases to core deposits | 87.0243% | 2,503 |
| Total domestic deposits to total assets | 87.9246% | 2,207 |
| Equity capital to assets | 10.4524% | 3,584 |
| Core capital (leverage) ratio | 10.7751% | 2,453 |
| Tier 1 risk-based capital ratio | 13.4384% | 4,743 |
| Total risk-based capital ratio | 14.6912% | 4,704 |
| Memoranda: | ||
| Average total assets | $66,460,000 | 5,856 |
| Average earning assets | $60,766,400 | 5,845 |
| Average equity | $7,091,200 | 5,841 |
| Average total loans | $51,538,000 | 5,211 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4535% | 1,385 |
| Cost of funding earning assets | 1.0448% | 3,357 |
| Net interest margin | 4.4087% | 1,382 |
| Noninterest income to average assets | 0.4785% | 4,056 |
| Noninterest expense to average assets | 2.0028% | 6,685 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.4617% | 1,024 |
| Return on assets (ROA) | 1.4617% | 1,100 |
| Pretax return on assets | 2.5136% | 240 |
| Return on Equity (ROE) | 13.6281% | 1,133 |
| Retained earnings to average equity (ytd only) | 1.1670% | 5,544 |
| Net charge-offs to loans | 0.0438% | 5,550 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 73.2228% | 462 |
| Efficiency ratio | 44.3451% | 7,135 |
| Assets per employee ($millions) | 3.9653% | 3,929 |
| Cash dividends to net income (ytd only)* | 91.4359% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4822% | 4,195 |
| Loan loss allowance to noncurrent loans | 96.5693% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 2.0758% | 3,054 |
| Noncurrent loans to loans | 1.5349% | 3,980 |
| Net loans and leases to total assets | 79.6198% | 551 |
| Net loans and leases to deposits | 91.5623% | 1,048 |
| Net loans and leases to core deposits | 96.2777% | 1,578 |
| Total domestic deposits to total assets | 86.9570% | 2,682 |
| Equity capital to assets | 11.2367% | 2,930 |
| Core capital (leverage) ratio | 10.9757% | 2,408 |
| Tier 1 risk-based capital ratio | 13.3980% | 4,810 |
| Total risk-based capital ratio | 14.6498% | 4,777 |
| Memoranda: | ||
| Average total assets | $66,038,250 | 5,908 |
| Average earning assets | $60,485,500 | 5,891 |
| Average equity | $7,083,250 | 5,884 |
| Average total loans | $51,767,250 | 5,239 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3370% | 1,758 |
| Cost of funding earning assets | 1.0836% | 3,364 |
| Net interest margin | 4.2534% | 1,831 |
| Noninterest income to average assets | 0.3348% | 5,212 |
| Noninterest expense to average assets | 1.9581% | 6,863 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3153% | 1,282 |
| Return on assets (ROA) | 1.3153% | 1,354 |
| Pretax return on assets | 2.2959% | 355 |
| Return on Equity (ROE) | 12.4505% | 1,356 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,830 |
| Net charge-offs to loans | 0.0616% | 5,034 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 48.0000% | 644 |
| Efficiency ratio | 46.0295% | 7,155 |
| Assets per employee ($millions) | 3.9963% | 3,761 |
| Cash dividends to net income (ytd only)* | 100.0000% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4803% | 4,220 |
| Loan loss allowance to noncurrent loans | 60.3175% | 4,435 |
| Noncurrent assets plus other real estate owned to assets | 1.9784% | 3,264 |
| Noncurrent loans to loans | 2.4542% | 2,932 |
| Net loans and leases to total assets | 79.1054% | 636 |
| Net loans and leases to deposits | 90.7590% | 1,189 |
| Net loans and leases to core deposits | 94.4855% | 1,850 |
| Total domestic deposits to total assets | 87.1598% | 2,649 |
| Equity capital to assets | 11.0588% | 2,896 |
| Core capital (leverage) ratio | 10.4144% | 2,804 |
| Tier 1 risk-based capital ratio | 13.4498% | 4,569 |
| Total risk-based capital ratio | 14.7025% | 4,549 |
| Memoranda: | ||
| Average total assets | $66,903,000 | 5,930 |
| Average earning assets | $61,645,000 | 5,900 |
| Average equity | $7,068,000 | 5,902 |
| Average total loans | $51,931,670 | 5,286 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3932% | 1,582 |
| Cost of funding earning assets | 1.1106% | 3,452 |
| Net interest margin | 4.2827% | 1,611 |
| Noninterest income to average assets | 0.3510% | 5,091 |
| Noninterest expense to average assets | 1.8893% | 7,007 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3512% | 1,150 |
| Return on assets (ROA) | 1.3512% | 1,203 |
| Pretax return on assets | 2.3865% | 294 |
| Return on Equity (ROE) | 13.0758% | 1,175 |
| Retained earnings to average equity (ytd only) | 0.6227% | 5,581 |
| Net charge-offs to loans | 0.1302% | 3,733 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 999 |
| Efficiency ratio | 44.1860% | 7,276 |
| Assets per employee ($millions) | 4.2522% | 3,334 |
| Cash dividends to net income (ytd only)* | 95.2381% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4866% | 4,277 |
| Loan loss allowance to noncurrent loans | 121.7949% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.9245% | 5,046 |
| Noncurrent loans to loans | 1.2206% | 4,644 |
| Net loans and leases to total assets | 74.0266% | 1,339 |
| Net loans and leases to deposits | 86.4262% | 1,661 |
| Net loans and leases to core deposits | 90.2160% | 2,323 |
| Total domestic deposits to total assets | 85.6530% | 3,707 |
| Equity capital to assets | 10.3961% | 3,287 |
| Core capital (leverage) ratio | 10.2657% | 2,847 |
| Tier 1 risk-based capital ratio | 13.2970% | 4,583 |
| Total risk-based capital ratio | 14.5484% | 4,560 |
| Memoranda: | ||
| Average total assets | $68,384,500 | 5,921 |
| Average earning assets | $62,671,000 | 5,906 |
| Average equity | $7,066,500 | 5,910 |
| Average total loans | $52,227,500 | 5,323 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8907% | 1,066 |
| Cost of funding earning assets | 1.3497% | 3,574 |
| Net interest margin | 4.5410% | 1,149 |
| Noninterest income to average assets | 0.4327% | 4,661 |
| Noninterest expense to average assets | 2.0038% | 7,016 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.5460% | 698 |
| Return on assets (ROA) | 1.5460% | 758 |
| Pretax return on assets | 2.5871% | 167 |
| Return on Equity (ROE) | 15.0112% | 716 |
| Retained earnings to average equity (ytd only) | 6.3371% | 1,644 |
| Net charge-offs to loans | 0.2156% | 4,998 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 14.8475% | 1,312 |
| Efficiency ratio | 43.6475% | 7,428 |
| Assets per employee ($millions) | 4.2959% | 3,218 |
| Cash dividends to net income (ytd only)* | 57.7841% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4569% | 4,244 |
| Loan loss allowance to noncurrent loans | 1,159.7015% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.5339% | 5,964 |
| Noncurrent loans to loans | 0.1256% | 6,820 |
| Net loans and leases to total assets | 76.4600% | 1,190 |
| Net loans and leases to deposits | 89.1789% | 1,620 |
| Net loans and leases to core deposits | 93.1875% | 2,360 |
| Total domestic deposits to total assets | 85.7378% | 3,481 |
| Equity capital to assets | 10.2715% | 3,419 |
| Core capital (leverage) ratio | 10.2726% | 2,796 |
| Tier 1 risk-based capital ratio | 12.8663% | 4,717 |
| Total risk-based capital ratio | 14.1192% | 4,683 |
| Memoranda: | ||
| Average total assets | $67,721,800 | 5,942 |
| Average earning assets | $62,013,000 | 5,920 |
| Average equity | $6,974,800 | 6,042 |
| Average total loans | $54,724,800 | 5,285 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9286% | 1,074 |
| Cost of funding earning assets | 1.3856% | 3,664 |
| Net interest margin | 4.5430% | 1,160 |
| Noninterest income to average assets | 0.4249% | 4,764 |
| Noninterest expense to average assets | 1.8912% | 7,220 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.6264% | 707 |
| Return on assets (ROA) | 1.6264% | 774 |
| Pretax return on assets | 2.6935% | 173 |
| Return on Equity (ROE) | 15.7807% | 733 |
| Retained earnings to average equity (ytd only) | 11.1787% | 580 |
| Net charge-offs to loans | 0.2469% | 4,458 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 13.3624% | 1,584 |
| Efficiency ratio | 41.2500% | 7,546 |
| Assets per employee ($millions) | 4.0719% | 3,694 |
| Cash dividends to net income (ytd only)* | 29.1613% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4582% | 4,167 |
| Loan loss allowance to noncurrent loans | 394.5274% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.7137% | 5,683 |
| Noncurrent loans to loans | 0.3696% | 6,453 |
| Net loans and leases to total assets | 82.2563% | 466 |
| Net loans and leases to deposits | 97.4116% | 850 |
| Net loans and leases to core deposits | 102.5077% | 1,601 |
| Total domestic deposits to total assets | 84.4421% | 3,900 |
| Equity capital to assets | 11.0775% | 2,880 |
| Core capital (leverage) ratio | 10.7818% | 2,431 |
| Tier 1 risk-based capital ratio | 13.0696% | 4,522 |
| Total risk-based capital ratio | 14.3228% | 4,500 |
| Memoranda: | ||
| Average total assets | $67,468,750 | 6,015 |
| Average earning assets | $61,778,000 | 5,996 |
| Average equity | $6,953,500 | 6,130 |
| Average total loans | $55,073,250 | 5,341 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8812% | 1,229 |
| Cost of funding earning assets | 1.3981% | 3,886 |
| Net interest margin | 4.4830% | 1,238 |
| Noninterest income to average assets | 0.3576% | 5,286 |
| Noninterest expense to average assets | 1.8698% | 7,302 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.5562% | 805 |
| Return on assets (ROA) | 1.5562% | 861 |
| Pretax return on assets | 2.5849% | 205 |
| Return on Equity (ROE) | 15.4683% | 767 |
| Retained earnings to average equity (ytd only) | 11.9726% | 497 |
| Net charge-offs to loans | 0.3689% | 3,509 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 8.6471% | 2,113 |
| Efficiency ratio | 41.9737% | 7,592 |
| Assets per employee ($millions) | 4.1864% | 3,410 |
| Cash dividends to net income (ytd only)* | 22.5989% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4727% | 4,051 |
| Loan loss allowance to noncurrent loans | 379.4258% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.7226% | 5,687 |
| Noncurrent loans to loans | 0.3882% | 6,461 |
| Net loans and leases to total assets | 79.2022% | 918 |
| Net loans and leases to deposits | 92.9921% | 1,391 |
| Net loans and leases to core deposits | 97.6747% | 2,267 |
| Total domestic deposits to total assets | 85.1709% | 3,536 |
| Equity capital to assets | 10.5131% | 3,395 |
| Core capital (leverage) ratio | 10.2310% | 2,909 |
| Tier 1 risk-based capital ratio | 12.7456% | 4,649 |
| Total risk-based capital ratio | 13.9977% | 4,615 |
| Memoranda: | ||
| Average total assets | $68,241,670 | 6,030 |
| Average earning assets | $62,368,330 | 6,008 |
| Average equity | $6,865,670 | 6,183 |
| Average total loans | $55,303,330 | 5,370 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8769% | 1,258 |
| Cost of funding earning assets | 1.3772% | 4,319 |
| Net interest margin | 4.4997% | 1,146 |
| Noninterest income to average assets | 0.3427% | 5,398 |
| Noninterest expense to average assets | 1.7889% | 7,476 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.6204% | 716 |
| Return on assets (ROA) | 1.6204% | 765 |
| Pretax return on assets | 2.6717% | 191 |
| Return on Equity (ROE) | 16.4662% | 656 |
| Retained earnings to average equity (ytd only) | 16.4662% | 310 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.1042% | 7,732 |
| Assets per employee ($millions) | 4.2217% | 3,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6712% | 3,168 |
| Loan loss allowance to noncurrent loans | 268.7688% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.8142% | 5,528 |
| Noncurrent loans to loans | 0.6218% | 6,068 |
| Net loans and leases to total assets | 77.9591% | 1,160 |
| Net loans and leases to deposits | 91.5522% | 1,676 |
| Net loans and leases to core deposits | 95.2535% | 2,672 |
| Total domestic deposits to total assets | 85.1526% | 3,581 |
| Equity capital to assets | 10.2373% | 3,551 |
| Core capital (leverage) ratio | 9.9663% | 3,206 |
| Tier 1 risk-based capital ratio | 12.5209% | 4,723 |
| Total risk-based capital ratio | 13.7763% | 4,678 |
| Memoranda: | ||
| Average total assets | $68,871,000 | 6,074 |
| Average earning assets | $63,026,500 | 6,053 |
| Average equity | $6,777,500 | 6,264 |
| Average total loans | $56,032,500 | 5,420 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2061% | 1,223 |
| Cost of funding earning assets | 1.8367% | 3,800 |
| Net interest margin | 4.3694% | 1,520 |
| Noninterest income to average assets | 0.4271% | 4,992 |
| Noninterest expense to average assets | 1.9789% | 7,399 |
| Loan and lease loss provision to assets | 0.5552% | 3,594 |
| Net operating income to assets | 1.1560% | 1,371 |
| Return on assets (ROA) | 1.1560% | 1,396 |
| Pretax return on assets | 1.8792% | 539 |
| Return on Equity (ROE) | 12.4812% | 1,055 |
| Retained earnings to average equity (ytd only) | 3.7351% | 2,588 |
| Net charge-offs to loans | 0.3167% | 4,659 |
| Credit loss provision to net charge-offs | 214.2857% | 1,786 |
| Earnings coverage of net charge-offs (x) | 9.3956% | 1,809 |
| Efficiency ratio | 44.8387% | 7,755 |
| Assets per employee ($millions) | 4.6797% | 2,647 |
| Cash dividends to net income (ytd only)* | 70.0739% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5296% | 3,577 |
| Loan loss allowance to noncurrent loans | 358.0000% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.6938% | 5,717 |
| Noncurrent loans to loans | 0.4273% | 6,409 |
| Net loans and leases to total assets | 82.0799% | 672 |
| Net loans and leases to deposits | 99.8683% | 918 |
| Net loans and leases to core deposits | 116.2152% | 2,294 |
| Total domestic deposits to total assets | 82.1882% | 4,870 |
| Equity capital to assets | 9.4594% | 4,477 |
| Core capital (leverage) ratio | 9.4666% | 3,761 |
| Tier 1 risk-based capital ratio | 10.9125% | 5,997 |
| Total risk-based capital ratio | 12.1650% | 5,972 |
| Memoranda: | ||
| Average total assets | $70,241,200 | 5,993 |
| Average earning assets | $64,081,800 | 5,999 |
| Average equity | $6,505,800 | 6,426 |
| Average total loans | $57,460,800 | 5,363 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2353% | 1,282 |
| Cost of funding earning assets | 1.9048% | 3,860 |
| Net interest margin | 4.3306% | 1,641 |
| Noninterest income to average assets | 0.4137% | 5,182 |
| Noninterest expense to average assets | 1.8409% | 7,621 |
| Loan and lease loss provision to assets | 0.7402% | 2,523 |
| Net operating income to assets | 1.1027% | 1,724 |
| Return on assets (ROA) | 1.1027% | 1,780 |
| Pretax return on assets | 1.7764% | 841 |
| Return on Equity (ROE) | 11.9688% | 1,360 |
| Retained earnings to average equity (ytd only) | 0.2472% | 5,095 |
| Net charge-offs to loans | 0.3287% | 3,995 |
| Credit loss provision to net charge-offs | 276.5957% | 1,521 |
| Earnings coverage of net charge-offs (x) | 9.4040% | 2,115 |
| Efficiency ratio | 42.2474% | 7,879 |
| Assets per employee ($millions) | 4.6545% | 2,626 |
| Cash dividends to net income (ytd only)* | 97.9346% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6149% | 2,937 |
| Loan loss allowance to noncurrent loans | 187.5752% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 2.4750% | 2,783 |
| Noncurrent loans to loans | 0.8609% | 5,575 |
| Net loans and leases to total assets | 81.6792% | 867 |
| Net loans and leases to deposits | 102.6608% | 871 |
| Net loans and leases to core deposits | 120.9587% | 2,160 |
| Total domestic deposits to total assets | 79.5623% | 5,605 |
| Equity capital to assets | 9.1983% | 5,168 |
| Core capital (leverage) ratio | 9.1254% | 4,451 |
| Tier 1 risk-based capital ratio | 10.5778% | 6,375 |
| Total risk-based capital ratio | 11.8308% | 6,338 |
| Memoranda: | ||
| Average total assets | $70,252,750 | 6,035 |
| Average earning assets | $63,977,750 | 6,035 |
| Average equity | $6,472,250 | 6,494 |
| Average total loans | $57,198,250 | 5,418 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1915% | 1,483 |
| Cost of funding earning assets | 1.9953% | 3,802 |
| Net interest margin | 4.1963% | 2,017 |
| Noninterest income to average assets | 0.3011% | 6,110 |
| Noninterest expense to average assets | 1.6336% | 7,892 |
| Loan and lease loss provision to assets | 0.1989% | 5,064 |
| Net operating income to assets | 1.3353% | 1,148 |
| Return on assets (ROA) | 1.3353% | 1,220 |
| Pretax return on assets | 2.2927% | 302 |
| Return on Equity (ROE) | 14.4861% | 908 |
| Retained earnings to average equity (ytd only) | 3.7910% | 3,188 |
| Net charge-offs to loans | 0.4566% | 3,003 |
| Credit loss provision to net charge-offs | 53.8462% | 5,701 |
| Earnings coverage of net charge-offs (x) | 6.7462% | 2,553 |
| Efficiency ratio | 39.6006% | 8,025 |
| Assets per employee ($millions) | 4.3181% | 3,082 |
| Cash dividends to net income (ytd only)* | 73.8298% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1129% | 5,508 |
| Loan loss allowance to noncurrent loans | 140.8989% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 2.2652% | 2,877 |
| Noncurrent loans to loans | 0.7898% | 5,652 |
| Net loans and leases to total assets | 80.6395% | 1,203 |
| Net loans and leases to deposits | 97.9466% | 1,522 |
| Net loans and leases to core deposits | 115.0952% | 2,799 |
| Total domestic deposits to total assets | 82.3300% | 4,555 |
| Equity capital to assets | 9.4545% | 4,669 |
| Core capital (leverage) ratio | 9.1718% | 4,345 |
| Tier 1 risk-based capital ratio | 10.9529% | 5,928 |
| Total risk-based capital ratio | 12.0106% | 6,063 |
| Memoranda: | ||
| Average total assets | $70,398,000 | 6,068 |
| Average earning assets | $64,152,000 | 6,070 |
| Average equity | $6,489,000 | 6,537 |
| Average total loans | $56,943,670 | 5,469 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0001% | 2,365 |
| Cost of funding earning assets | 2.0514% | 3,864 |
| Net interest margin | 3.9487% | 2,854 |
| Noninterest income to average assets | 0.3153% | 5,925 |
| Noninterest expense to average assets | 1.5819% | 7,923 |
| Loan and lease loss provision to assets | 0.0563% | 6,259 |
| Net operating income to assets | 1.3399% | 1,286 |
| Return on assets (ROA) | 1.3399% | 1,383 |
| Pretax return on assets | 2.2856% | 376 |
| Return on Equity (ROE) | 14.7198% | 1,031 |
| Retained earnings to average equity (ytd only) | 0.9896% | 5,249 |
| Net charge-offs to loans | 0.0699% | 4,500 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 41.6000% | 819 |
| Efficiency ratio | 40.3156% | 8,044 |
| Assets per employee ($millions) | 4.2194% | 3,227 |
| Cash dividends to net income (ytd only)* | 93.2773% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2088% | 4,743 |
| Loan loss allowance to noncurrent loans | 52.1244% | 5,081 |
| Noncurrent assets plus other real estate owned to assets | 1.8890% | 3,076 |
| Noncurrent loans to loans | 2.3192% | 2,834 |
| Net loans and leases to total assets | 78.2713% | 1,758 |
| Net loans and leases to deposits | 95.8432% | 1,973 |
| Net loans and leases to core deposits | 111.0531% | 3,301 |
| Total domestic deposits to total assets | 81.6660% | 4,693 |
| Equity capital to assets | 8.9948% | 5,352 |
| Core capital (leverage) ratio | 9.0247% | 4,665 |
| Tier 1 risk-based capital ratio | 10.8307% | 6,064 |
| Total risk-based capital ratio | 11.9959% | 6,051 |
| Memoranda: | ||
| Average total assets | $71,052,500 | 6,096 |
| Average earning assets | $64,932,000 | 6,075 |
| Average equity | $6,467,500 | 6,592 |
| Average total loans | $57,245,500 | 5,485 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0981% | 921 |
| Cost of funding earning assets | 2.6784% | 3,269 |
| Net interest margin | 4.4197% | 1,626 |
| Noninterest income to average assets | 0.4714% | 4,867 |
| Noninterest expense to average assets | 1.5913% | 7,974 |
| Loan and lease loss provision to assets | 0.2756% | 4,189 |
| Net operating income to assets | 1.6275% | 794 |
| Return on assets (ROA) | 1.6275% | 754 |
| Pretax return on assets | 2.5994% | 159 |
| Return on Equity (ROE) | 17.7560% | 551 |
| Retained earnings to average equity (ytd only) | 3.7348% | 2,810 |
| Net charge-offs to loans | 0.2896% | 3,470 |
| Credit loss provision to net charge-offs | 117.2840% | 4,590 |
| Earnings coverage of net charge-offs (x) | 12.2346% | 2,271 |
| Efficiency ratio | 35.6285% | 8,196 |
| Assets per employee ($millions) | 3.9097% | 3,708 |
| Cash dividends to net income (ytd only)* | 78.9661% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1915% | 4,608 |
| Loan loss allowance to noncurrent loans | 60.4754% | 4,978 |
| Noncurrent assets plus other real estate owned to assets | 1.6668% | 2,916 |
| Noncurrent loans to loans | 1.9702% | 2,798 |
| Net loans and leases to total assets | 80.9563% | 1,449 |
| Net loans and leases to deposits | 104.0869% | 1,333 |
| Net loans and leases to core deposits | 121.4854% | 2,556 |
| Total domestic deposits to total assets | 77.7776% | 5,781 |
| Equity capital to assets | 9.2121% | 5,061 |
| Core capital (leverage) ratio | 9.1921% | 4,451 |
| Tier 1 risk-based capital ratio | 10.7310% | 5,972 |
| Total risk-based capital ratio | 11.8883% | 5,961 |
| Memoranda: | ||
| Average total assets | $68,939,400 | 6,067 |
| Average earning assets | $62,312,600 | 6,077 |
| Average equity | $6,319,000 | 6,696 |
| Average total loans | $55,936,800 | 5,451 |