Home > The First Bank of Celeste > Performance and Condition Ratios
The First Bank of Celeste, 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 | 4.3186% | 3,411 |
| Cost of funding earning assets | 0.5371% | 4,158 |
| Net interest margin | 3.7814% | 1,594 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 2.6377% | 1,899 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.4034% | 1,211 |
| Return on assets (ROA) | 1.4034% | 1,187 |
| Pretax return on assets | 1.4034% | 1,626 |
| Return on Equity (ROE) | 19.9000% | 628 |
| Retained earnings to average equity (ytd only) | 11.8917% | 646 |
| Net charge-offs to loans | 0.0358% | 1,592 |
| Credit loss provision to net charge-offs | 950.0000% | 432 |
| Earnings coverage of net charge-offs (x) | 118.3000% | 827 |
| Efficiency ratio | 63.3519% | 2,689 |
| Assets per employee ($millions) | 6.5862% | 2,354 |
| Cash dividends to net income (ytd only)* | 40.2574% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4640% | 1,161 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 36.8800% | 4,128 |
| Net loans and leases to deposits | 39.9342% | 4,204 |
| Net loans and leases to core deposits | 42.9726% | 4,223 |
| Total domestic deposits to total assets | 92.3400% | 256 |
| Equity capital to assets | 7.3285% | 3,803 |
| Core capital (leverage) ratio | 7.3812% | 4,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9718% | 797 |
| Memoranda: | ||
| Average total assets | $77,528,600 | 4,038 |
| Average earning assets | $74,654,600 | 3,983 |
| Average equity | $5,466,000 | 4,216 |
| Average total loans | $27,902,400 | 4,170 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2132% | 3,444 |
| Cost of funding earning assets | 0.4601% | 4,189 |
| Net interest margin | 3.7530% | 1,683 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 2.6354% | 1,841 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.3825% | 1,357 |
| Return on assets (ROA) | 1.3825% | 1,345 |
| Pretax return on assets | 1.3825% | 1,817 |
| Return on Equity (ROE) | 19.8100% | 743 |
| Retained earnings to average equity (ytd only) | 12.2076% | 938 |
| Net charge-offs to loans | 0.0485% | 1,196 |
| Credit loss provision to net charge-offs | 710.0000% | 504 |
| Earnings coverage of net charge-offs (x) | 87.1000% | 992 |
| Efficiency ratio | 63.6477% | 2,540 |
| Assets per employee ($millions) | 6.5537% | 2,285 |
| Cash dividends to net income (ytd only)* | 38.3750% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4215% | 1,363 |
| 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 | 36.1500% | 4,178 |
| Net loans and leases to deposits | 39.2360% | 4,224 |
| Net loans and leases to core deposits | 42.0660% | 4,212 |
| Total domestic deposits to total assets | 92.1400% | 427 |
| Equity capital to assets | 7.1677% | 3,527 |
| Core capital (leverage) ratio | 7.3842% | 4,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8094% | 836 |
| Memoranda: | ||
| Average total assets | $77,152,250 | 4,058 |
| Average earning assets | $74,178,000 | 4,006 |
| Average equity | $5,384,500 | 4,238 |
| Average total loans | $27,483,750 | 4,194 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1258% | 3,437 |
| Cost of funding earning assets | 0.3696% | 4,212 |
| Net interest margin | 3.7561% | 1,707 |
| Noninterest income to average assets | 0.5100% | 1,835 |
| Noninterest expense to average assets | 2.6482% | 1,797 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.3724% | 1,397 |
| Return on assets (ROA) | 1.3724% | 1,377 |
| Pretax return on assets | 1.3724% | 1,883 |
| Return on Equity (ROE) | 19.8500% | 721 |
| Retained earnings to average equity (ytd only) | 12.1124% | 963 |
| Net charge-offs to loans | 0.0518% | 996 |
| Credit loss provision to net charge-offs | 500.0000% | 646 |
| Earnings coverage of net charge-offs (x) | 80.1429% | 1,051 |
| Efficiency ratio | 64.4036% | 2,434 |
| Assets per employee ($millions) | 6.3917% | 2,395 |
| Cash dividends to net income (ytd only)* | 38.9734% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2917% | 1,963 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 37.5600% | 4,133 |
| Net loans and leases to deposits | 40.6872% | 4,197 |
| Net loans and leases to core deposits | 43.6824% | 4,186 |
| Total domestic deposits to total assets | 92.3200% | 359 |
| Equity capital to assets | 7.1239% | 3,725 |
| Core capital (leverage) ratio | 7.2402% | 4,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2657% | 920 |
| Memoranda: | ||
| Average total assets | $76,655,000 | 4,083 |
| Average earning assets | $73,586,333 | 4,034 |
| Average equity | $5,300,333 | 4,269 |
| Average total loans | $27,031,000 | 4,212 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9345% | 3,602 |
| Cost of funding earning assets | 0.2935% | 4,214 |
| Net interest margin | 3.6410% | 2,030 |
| Noninterest income to average assets | 0.4900% | 1,878 |
| Noninterest expense to average assets | 2.5942% | 1,967 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.2997% | 1,665 |
| Return on assets (ROA) | 1.2997% | 1,637 |
| Pretax return on assets | 1.2997% | 2,172 |
| Return on Equity (ROE) | 19.0900% | 873 |
| Retained earnings to average equity (ytd only) | 11.5742% | 1,345 |
| Net charge-offs to loans | 0.0925% | 622 |
| Credit loss provision to net charge-offs | 283.3333% | 710 |
| Earnings coverage of net charge-offs (x) | 44.3333% | 1,139 |
| Efficiency ratio | 65.1376% | 2,308 |
| Assets per employee ($millions) | 6.5384% | 2,315 |
| Cash dividends to net income (ytd only)* | 39.3574% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3378% | 1,867 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 33.8400% | 4,266 |
| Net loans and leases to deposits | 36.4349% | 4,321 |
| Net loans and leases to core deposits | 37.1949% | 4,339 |
| Total domestic deposits to total assets | 92.8700% | 327 |
| Equity capital to assets | 6.7473% | 3,942 |
| Core capital (leverage) ratio | 7.0998% | 4,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4482% | 914 |
| Memoranda: | ||
| Average total assets | $76,632,500 | 4,142 |
| Average earning assets | $73,605,500 | 4,089 |
| Average equity | $5,218,500 | 4,332 |
| Average total loans | $25,953,500 | 4,288 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2225% | 3,774 |
| Cost of funding earning assets | 0.1650% | 4,030 |
| Net interest margin | 3.0575% | 3,295 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 2.5587% | 1,943 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.8932% | 2,990 |
| Return on assets (ROA) | 0.8905% | 2,939 |
| Pretax return on assets | 0.8905% | 3,388 |
| Return on Equity (ROE) | 13.3100% | 1,705 |
| Retained earnings to average equity (ytd only) | 7.7639% | 1,928 |
| Net charge-offs to loans | 0.0321% | 1,430 |
| Credit loss provision to net charge-offs | 225.0000% | 1,049 |
| Earnings coverage of net charge-offs (x) | 84.3750% | 1,063 |
| Efficiency ratio | 73.6019% | 1,259 |
| Assets per employee ($millions) | 6.2337% | 2,565 |
| Cash dividends to net income (ytd only)* | 41.6794% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3961% | 1,515 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 32.9500% | 4,313 |
| Net loans and leases to deposits | 35.4779% | 4,356 |
| Net loans and leases to core deposits | 36.2549% | 4,370 |
| Total domestic deposits to total assets | 92.8800% | 435 |
| Equity capital to assets | 6.8753% | 3,725 |
| Core capital (leverage) ratio | 6.8239% | 4,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1166% | 817 |
| Memoranda: | ||
| Average total assets | $73,552,600 | 4,202 |
| Average earning assets | $70,908,600 | 4,145 |
| Average equity | $4,920,200 | 4,439 |
| Average total loans | $24,931,800 | 4,329 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0263% | 3,843 |
| Cost of funding earning assets | 0.1416% | 3,924 |
| Net interest margin | 2.8847% | 3,528 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 2.5050% | 2,004 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.8101% | 3,217 |
| Return on assets (ROA) | 0.8065% | 3,194 |
| Pretax return on assets | 0.8065% | 3,560 |
| Return on Equity (ROE) | 12.1400% | 1,990 |
| Retained earnings to average equity (ytd only) | 6.9070% | 2,398 |
| Net charge-offs to loans | -0.0214% | 4,011 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.3560% | 1,132 |
| Assets per employee ($millions) | 6.3845% | 2,417 |
| Cash dividends to net income (ytd only)* | 43.1151% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4498% | 1,452 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 30.8800% | 4,398 |
| Net loans and leases to deposits | 33.2019% | 4,432 |
| Net loans and leases to core deposits | 34.3279% | 4,436 |
| Total domestic deposits to total assets | 92.9900% | 583 |
| Equity capital to assets | 6.5432% | 3,718 |
| Core capital (leverage) ratio | 6.5806% | 4,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5217% | 786 |
| Memoranda: | ||
| Average total assets | $73,239,750 | 4,234 |
| Average earning assets | $70,623,000 | 4,186 |
| Average equity | $4,864,500 | 4,488 |
| Average total loans | $24,915,250 | 4,360 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8866% | 3,817 |
| Cost of funding earning assets | 0.1414% | 3,690 |
| Net interest margin | 2.7451% | 3,589 |
| Noninterest income to average assets | 0.5269% | 2,056 |
| Noninterest expense to average assets | 2.4433% | 2,103 |
| Loan and lease loss provision to assets | 0.0139% | 2,348 |
| Net operating income to assets | 0.7072% | 3,291 |
| Return on assets (ROA) | 0.7017% | 3,259 |
| Pretax return on assets | 0.7017% | 3,568 |
| Return on Equity (ROE) | 10.5088% | 2,167 |
| Retained earnings to average equity (ytd only) | 4.6521% | 2,833 |
| Net charge-offs to loans | -0.0317% | 4,057 |
| Credit loss provision to net charge-offs | -125.0000% | 3,143 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2130% | 1,155 |
| Assets per employee ($millions) | 6.2183% | 2,552 |
| Cash dividends to net income (ytd only)* | 55.7312% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3975% | 1,764 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 32.9040% | 4,373 |
| Net loans and leases to deposits | 35.3265% | 4,412 |
| Net loans and leases to core deposits | 36.7560% | 4,411 |
| Total domestic deposits to total assets | 93.1426% | 482 |
| Equity capital to assets | 6.5304% | 4,006 |
| Core capital (leverage) ratio | 6.6289% | 4,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2898% | 950 |
| Memoranda: | ||
| Average total assets | $72,115,000 | 4,294 |
| Average earning assets | $69,286,667 | 4,254 |
| Average equity | $4,815,000 | 4,538 |
| Average total loans | $25,219,333 | 4,407 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8116% | 3,723 |
| Cost of funding earning assets | 0.1461% | 3,550 |
| Net interest margin | 2.6654% | 3,492 |
| Noninterest income to average assets | 0.5137% | 2,078 |
| Noninterest expense to average assets | 2.3764% | 2,245 |
| Loan and lease loss provision to assets | 0.0169% | 2,050 |
| Net operating income to assets | 0.6943% | 3,081 |
| Return on assets (ROA) | 0.6943% | 3,071 |
| Pretax return on assets | 0.6943% | 3,412 |
| Return on Equity (ROE) | 10.2800% | 1,860 |
| Retained earnings to average equity (ytd only) | 4.1789% | 2,874 |
| Net charge-offs to loans | 0.0158% | 1,223 |
| Credit loss provision to net charge-offs | 300.0000% | 662 |
| Earnings coverage of net charge-offs (x) | 126.0000% | 598 |
| Efficiency ratio | 76.9653% | 1,412 |
| Assets per employee ($millions) | 5.9693% | 2,834 |
| Cash dividends to net income (ytd only)* | 59.3496% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3089% | 2,316 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 35.8946% | 4,215 |
| Net loans and leases to deposits | 38.5771% | 4,300 |
| Net loans and leases to core deposits | 39.6796% | 4,323 |
| Total domestic deposits to total assets | 93.0464% | 261 |
| Equity capital to assets | 6.7163% | 4,333 |
| Core capital (leverage) ratio | 6.7944% | 4,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2123% | 1,207 |
| Memoranda: | ||
| Average total assets | $70,862,500 | 4,327 |
| Average earning assets | $68,432,000 | 4,286 |
| Average equity | $4,786,000 | 4,581 |
| Average total loans | $25,378,500 | 4,419 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1297% | 3,627 |
| Cost of funding earning assets | 0.1884% | 3,574 |
| Net interest margin | 2.9413% | 3,344 |
| Noninterest income to average assets | 0.6114% | 2,109 |
| Noninterest expense to average assets | 2.6593% | 1,734 |
| Loan and lease loss provision to assets | 0.0076% | 2,934 |
| Net operating income to assets | 0.7631% | 3,447 |
| Return on assets (ROA) | 0.7631% | 3,508 |
| Pretax return on assets | 0.7631% | 3,804 |
| Return on Equity (ROE) | 10.8635% | 2,209 |
| Retained earnings to average equity (ytd only) | 5.4425% | 2,597 |
| Net charge-offs to loans | 0.0158% | 1,992 |
| Credit loss provision to net charge-offs | 125.0000% | 1,618 |
| Earnings coverage of net charge-offs (x) | 127.0000% | 746 |
| Efficiency ratio | 77.5321% | 990 |
| Assets per employee ($millions) | 5.8411% | 2,910 |
| Cash dividends to net income (ytd only)* | 49.9006% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3722% | 2,035 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 34.7610% | 4,343 |
| Net loans and leases to deposits | 37.3702% | 4,431 |
| Net loans and leases to core deposits | 38.4615% | 4,442 |
| Total domestic deposits to total assets | 93.0178% | 47 |
| Equity capital to assets | 6.7924% | 4,751 |
| Core capital (leverage) ratio | 6.8278% | 4,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4957% | 1,164 |
| Memoranda: | ||
| Average total assets | $65,919,200 | 4,380 |
| Average earning assets | $63,170,000 | 4,348 |
| Average equity | $4,630,200 | 4,659 |
| Average total loans | $25,255,200 | 4,469 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1427% | 3,715 |
| Cost of funding earning assets | 0.1956% | 3,649 |
| Net interest margin | 2.9471% | 3,445 |
| Noninterest income to average assets | 0.6186% | 2,137 |
| Noninterest expense to average assets | 2.6676% | 1,674 |
| Loan and lease loss provision to assets | 0.0015% | 2,939 |
| Net operating income to assets | 0.7666% | 3,607 |
| Return on assets (ROA) | 0.7666% | 3,668 |
| Pretax return on assets | 0.7666% | 3,949 |
| Return on Equity (ROE) | 10.8172% | 2,431 |
| Retained earnings to average equity (ytd only) | 5.5681% | 3,013 |
| Net charge-offs to loans | 0.0158% | 1,767 |
| Credit loss provision to net charge-offs | 33.3333% | 1,942 |
| Earnings coverage of net charge-offs (x) | 124.6667% | 757 |
| Efficiency ratio | 77.6316% | 905 |
| Assets per employee ($millions) | 5.5684% | 3,125 |
| Cash dividends to net income (ytd only)* | 48.5255% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3458% | 2,248 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 36.8597% | 4,346 |
| Net loans and leases to deposits | 39.8989% | 4,450 |
| Net loans and leases to core deposits | 40.9259% | 4,483 |
| Total domestic deposits to total assets | 92.3826% | 73 |
| Equity capital to assets | 7.0352% | 4,806 |
| Core capital (leverage) ratio | 7.0138% | 4,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1967% | 927 |
| Memoranda: | ||
| Average total assets | $64,875,750 | 4,451 |
| Average earning assets | $62,025,000 | 4,419 |
| Average equity | $4,597,500 | 4,732 |
| Average total loans | $25,393,000 | 4,524 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9871% | 4,071 |
| Cost of funding earning assets | 0.2026% | 3,725 |
| Net interest margin | 2.7845% | 3,816 |
| Noninterest income to average assets | 0.6197% | 2,131 |
| Noninterest expense to average assets | 2.5192% | 2,083 |
| Loan and lease loss provision to assets | 0.0031% | 2,818 |
| Net operating income to assets | 0.7505% | 3,641 |
| Return on assets (ROA) | 0.7505% | 3,708 |
| Pretax return on assets | 0.7505% | 3,971 |
| Return on Equity (ROE) | 10.5632% | 2,565 |
| Retained earnings to average equity (ytd only) | 4.6899% | 3,301 |
| Net charge-offs to loans | 0.0392% | 1,240 |
| Credit loss provision to net charge-offs | 20.0000% | 1,733 |
| Earnings coverage of net charge-offs (x) | 48.4000% | 1,083 |
| Efficiency ratio | 76.9743% | 993 |
| Assets per employee ($millions) | 5.5542% | 3,063 |
| Cash dividends to net income (ytd only)* | 55.6017% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3623% | 2,145 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 36.2851% | 4,455 |
| Net loans and leases to deposits | 39.2247% | 4,542 |
| Net loans and leases to core deposits | 40.0351% | 4,580 |
| Total domestic deposits to total assets | 92.5056% | 67 |
| Equity capital to assets | 6.9257% | 4,861 |
| Core capital (leverage) ratio | 7.0177% | 4,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0849% | 794 |
| Memoranda: | ||
| Average total assets | $64,227,333 | 4,488 |
| Average earning assets | $61,196,667 | 4,461 |
| Average equity | $4,563,000 | 4,765 |
| Average total loans | $25,535,333 | 4,556 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0981% | 3,886 |
| Cost of funding earning assets | 0.2146% | 3,779 |
| Net interest margin | 2.8835% | 3,568 |
| Noninterest income to average assets | 0.6157% | 2,147 |
| Noninterest expense to average assets | 2.5644% | 1,978 |
| Loan and lease loss provision to assets | 0.0063% | 2,686 |
| Net operating income to assets | 0.7744% | 3,504 |
| Return on assets (ROA) | 0.7744% | 3,574 |
| Pretax return on assets | 0.7744% | 3,858 |
| Return on Equity (ROE) | 10.7572% | 2,436 |
| Retained earnings to average equity (ytd only) | 4.8496% | 3,274 |
| Net charge-offs to loans | 0.0768% | 817 |
| Credit loss provision to net charge-offs | 20.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 24.6000% | 1,170 |
| Efficiency ratio | 76.6603% | 1,072 |
| Assets per employee ($millions) | 5.4459% | 3,167 |
| Cash dividends to net income (ytd only)* | 54.9180% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2850% | 2,503 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 39.1440% | 4,379 |
| Net loans and leases to deposits | 42.3162% | 4,484 |
| Net loans and leases to core deposits | 43.2075% | 4,522 |
| Total domestic deposits to total assets | 92.5036% | 71 |
| Equity capital to assets | 6.9838% | 4,850 |
| Core capital (leverage) ratio | 7.3104% | 4,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9475% | 937 |
| Memoranda: | ||
| Average total assets | $63,016,000 | 4,519 |
| Average earning assets | $59,649,500 | 4,491 |
| Average equity | $4,536,500 | 4,789 |
| Average total loans | $26,044,000 | 4,572 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4874% | 4,051 |
| Cost of funding earning assets | 0.2636% | 4,325 |
| Net interest margin | 3.2238% | 3,290 |
| Noninterest income to average assets | 0.6660% | 1,965 |
| Noninterest expense to average assets | 2.8800% | 1,739 |
| Loan and lease loss provision to assets | 0.0404% | 3,896 |
| Net operating income to assets | 0.8399% | 2,941 |
| Return on assets (ROA) | 0.8399% | 3,071 |
| Pretax return on assets | 0.8399% | 3,530 |
| Return on Equity (ROE) | 10.9033% | 1,668 |
| Retained earnings to average equity (ytd only) | 5.3148% | 2,134 |
| Net charge-offs to loans | 0.0607% | 1,908 |
| Credit loss provision to net charge-offs | 153.3333% | 2,404 |
| Earnings coverage of net charge-offs (x) | 33.4000% | 1,521 |
| Efficiency ratio | 76.5888% | 1,164 |
| Assets per employee ($millions) | 5.0568% | 3,332 |
| Cash dividends to net income (ytd only)* | 51.2552% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2914% | 2,453 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 42.5768% | 4,318 |
| Net loans and leases to deposits | 46.1984% | 4,456 |
| Net loans and leases to core deposits | 47.2512% | 4,508 |
| Total domestic deposits to total assets | 92.1606% | 55 |
| Equity capital to assets | 7.4307% | 4,851 |
| Core capital (leverage) ratio | 7.5130% | 4,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6852% | 812 |
| Memoranda: | ||
| Average total assets | $56,909,200 | 4,556 |
| Average earning assets | $54,624,600 | 4,519 |
| Average equity | $4,384,000 | 4,812 |
| Average total loans | $24,716,600 | 4,622 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5621% | 4,102 |
| Cost of funding earning assets | 0.2801% | 4,387 |
| Net interest margin | 3.2820% | 3,243 |
| Noninterest income to average assets | 0.6742% | 1,886 |
| Noninterest expense to average assets | 2.9112% | 1,675 |
| Loan and lease loss provision to assets | 0.0447% | 3,796 |
| Net operating income to assets | 0.8719% | 2,808 |
| Return on assets (ROA) | 0.8719% | 2,941 |
| Pretax return on assets | 0.8719% | 3,457 |
| Return on Equity (ROE) | 11.2110% | 1,619 |
| Retained earnings to average equity (ytd only) | 5.3605% | 2,401 |
| Net charge-offs to loans | 0.0767% | 1,545 |
| Credit loss provision to net charge-offs | 135.7143% | 2,413 |
| Earnings coverage of net charge-offs (x) | 27.5000% | 1,661 |
| Efficiency ratio | 76.0423% | 1,201 |
| Assets per employee ($millions) | 4.9423% | 3,325 |
| Cash dividends to net income (ytd only)* | 52.1858% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2247% | 2,533 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 45.5554% | 4,338 |
| Net loans and leases to deposits | 49.6682% | 4,495 |
| Net loans and leases to core deposits | 50.8316% | 4,556 |
| Total domestic deposits to total assets | 91.7195% | 82 |
| Equity capital to assets | 7.5049% | 4,856 |
| Core capital (leverage) ratio | 7.7012% | 4,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4309% | 730 |
| Memoranda: | ||
| Average total assets | $55,966,250 | 4,584 |
| Average earning assets | $53,786,500 | 4,549 |
| Average equity | $4,352,750 | 4,838 |
| Average total loans | $24,352,250 | 4,658 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6098% | 4,248 |
| Cost of funding earning assets | 0.3033% | 4,471 |
| Net interest margin | 3.3065% | 3,366 |
| Noninterest income to average assets | 0.7001% | 1,736 |
| Noninterest expense to average assets | 2.9497% | 1,718 |
| Loan and lease loss provision to assets | 0.0510% | 3,666 |
| Net operating income to assets | 0.8787% | 2,777 |
| Return on assets (ROA) | 0.8787% | 2,892 |
| Pretax return on assets | 0.8787% | 3,377 |
| Return on Equity (ROE) | 11.1574% | 1,583 |
| Retained earnings to average equity (ytd only) | 4.3981% | 2,745 |
| Net charge-offs to loans | 0.0343% | 2,052 |
| Credit loss provision to net charge-offs | 350.0000% | 1,514 |
| Earnings coverage of net charge-offs (x) | 63.7500% | 927 |
| Efficiency ratio | 76.0338% | 1,261 |
| Assets per employee ($millions) | 4.8577% | 3,353 |
| Cash dividends to net income (ytd only)* | 60.5809% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2328% | 2,339 |
| Loan loss allowance to noncurrent loans | 5,666.6667% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0103% | 4,531 |
| Noncurrent loans to loans | 0.0218% | 4,402 |
| Net loans and leases to total assets | 46.7303% | 4,324 |
| Net loans and leases to deposits | 50.9302% | 4,492 |
| Net loans and leases to core deposits | 52.1420% | 4,560 |
| Total domestic deposits to total assets | 91.7536% | 66 |
| Equity capital to assets | 7.4985% | 4,874 |
| Core capital (leverage) ratio | 7.7099% | 4,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4813% | 719 |
| Memoranda: | ||
| Average total assets | $54,852,333 | 4,615 |
| Average earning assets | $52,744,667 | 4,575 |
| Average equity | $4,320,000 | 4,868 |
| Average total loans | $23,352,000 | 4,705 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6785% | 4,432 |
| Cost of funding earning assets | 0.3216% | 4,591 |
| Net interest margin | 3.3569% | 3,431 |
| Noninterest income to average assets | 0.7378% | 1,507 |
| Noninterest expense to average assets | 2.9662% | 1,965 |
| Loan and lease loss provision to assets | 0.0527% | 3,116 |
| Net operating income to assets | 0.9410% | 2,372 |
| Return on assets (ROA) | 0.9410% | 2,480 |
| Pretax return on assets | 0.9410% | 3,029 |
| Return on Equity (ROE) | 11.6428% | 1,214 |
| Retained earnings to average equity (ytd only) | 3.4463% | 2,904 |
| Net charge-offs to loans | 0.0377% | 1,666 |
| Credit loss provision to net charge-offs | 350.0000% | 1,077 |
| Earnings coverage of net charge-offs (x) | 66.0000% | 756 |
| Efficiency ratio | 74.9049% | 1,700 |
| Assets per employee ($millions) | 4.4498% | 3,335 |
| Cash dividends to net income (ytd only)* | 70.4000% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5589% | 1,168 |
| Loan loss allowance to noncurrent loans | 33,500.0000% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 4,642 |
| Noncurrent loans to loans | 0.0047% | 4,560 |
| Net loans and leases to total assets | 39.6157% | 4,677 |
| Net loans and leases to deposits | 43.2394% | 4,780 |
| Net loans and leases to core deposits | 44.0424% | 4,808 |
| Total domestic deposits to total assets | 91.6195% | 65 |
| Equity capital to assets | 8.0771% | 4,955 |
| Core capital (leverage) ratio | 8.1440% | 4,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7335% | 1,024 |
| Memoranda: | ||
| Average total assets | $53,132,500 | 4,663 |
| Average earning assets | $50,999,500 | 4,622 |
| Average equity | $4,294,500 | 4,911 |
| Average total loans | $21,238,000 | 4,779 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9342% | 4,374 |
| Cost of funding earning assets | 0.3140% | 4,699 |
| Net interest margin | 3.6201% | 3,075 |
| Noninterest income to average assets | 0.7264% | 1,721 |
| Noninterest expense to average assets | 3.1357% | 1,677 |
| Loan and lease loss provision to assets | 0.0266% | 3,477 |
| Net operating income to assets | 1.0059% | 2,826 |
| Return on assets (ROA) | 1.0059% | 2,916 |
| Pretax return on assets | 1.0059% | 3,452 |
| Return on Equity (ROE) | 12.6743% | 1,281 |
| Retained earnings to average equity (ytd only) | 4.6480% | 2,620 |
| Net charge-offs to loans | 0.0195% | 3,035 |
| Credit loss provision to net charge-offs | 350.0000% | 795 |
| Earnings coverage of net charge-offs (x) | 135.7500% | 535 |
| Efficiency ratio | 75.2281% | 1,458 |
| Assets per employee ($millions) | 4.4056% | 3,361 |
| Cash dividends to net income (ytd only)* | 63.3270% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5724% | 1,044 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 39.0735% | 4,769 |
| Net loans and leases to deposits | 42.6128% | 4,860 |
| Net loans and leases to core deposits | 43.4107% | 4,885 |
| Total domestic deposits to total assets | 91.6943% | 56 |
| Equity capital to assets | 8.0882% | 5,041 |
| Core capital (leverage) ratio | 7.8707% | 5,063 |
| Tier 1 risk-based capital ratio | 18.4287% | 1,656 |
| Total risk-based capital ratio | 19.6785% | 1,625 |
| Memoranda: | ||
| Average total assets | $52,588,000 | 4,711 |
| Average earning assets | $49,998,000 | 4,670 |
| Average equity | $4,173,800 | 4,971 |
| Average total loans | $20,551,400 | 4,853 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9833% | 4,394 |
| Cost of funding earning assets | 0.3105% | 4,770 |
| Net interest margin | 3.6728% | 3,018 |
| Noninterest income to average assets | 0.7312% | 1,660 |
| Noninterest expense to average assets | 3.1785% | 1,506 |
| Loan and lease loss provision to assets | 0.0254% | 3,390 |
| Net operating income to assets | 1.0104% | 2,945 |
| Return on assets (ROA) | 1.0104% | 3,024 |
| Pretax return on assets | 1.0104% | 3,560 |
| Return on Equity (ROE) | 12.7921% | 1,356 |
| Retained earnings to average equity (ytd only) | 4.8534% | 2,960 |
| Net charge-offs to loans | 0.0196% | 2,720 |
| Credit loss provision to net charge-offs | 333.3333% | 884 |
| Earnings coverage of net charge-offs (x) | 135.9975% | 582 |
| Efficiency ratio | 75.4217% | 1,398 |
| Assets per employee ($millions) | 4.5318% | 3,147 |
| Cash dividends to net income (ytd only)* | 62.0616% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6112% | 976 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 36.7187% | 4,913 |
| Net loans and leases to deposits | 40.0618% | 4,991 |
| Net loans and leases to core deposits | 40.7901% | 5,021 |
| Total domestic deposits to total assets | 91.6552% | 48 |
| Equity capital to assets | 7.7858% | 5,164 |
| Core capital (leverage) ratio | 7.8649% | 5,142 |
| Tier 1 risk-based capital ratio | 18.5466% | 1,676 |
| Total risk-based capital ratio | 19.7950% | 1,646 |
| Memoranda: | ||
| Average total assets | $52,518,250 | 4,779 |
| Average earning assets | $49,807,000 | 4,742 |
| Average equity | $4,148,250 | 5,043 |
| Average total loans | $20,442,500 | 4,925 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9943% | 4,390 |
| Cost of funding earning assets | 0.3069% | 4,809 |
| Net interest margin | 3.6874% | 2,971 |
| Noninterest income to average assets | 0.7245% | 1,626 |
| Noninterest expense to average assets | 3.1832% | 1,546 |
| Loan and lease loss provision to assets | 0.0116% | 3,527 |
| Net operating income to assets | 1.0020% | 2,913 |
| Return on assets (ROA) | 1.0020% | 2,981 |
| Pretax return on assets | 1.0020% | 3,536 |
| Return on Equity (ROE) | 12.6224% | 1,363 |
| Retained earnings to average equity (ytd only) | 3.7867% | 3,361 |
| Net charge-offs to loans | 0.0195% | 2,475 |
| Credit loss provision to net charge-offs | 150.0000% | 1,483 |
| Earnings coverage of net charge-offs (x) | 131.5000% | 557 |
| Efficiency ratio | 75.8494% | 1,413 |
| Assets per employee ($millions) | 4.4959% | 3,147 |
| Cash dividends to net income (ytd only)* | 70.0000% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5797% | 1,074 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 37.0688% | 4,943 |
| Net loans and leases to deposits | 40.3531% | 5,041 |
| Net loans and leases to core deposits | 41.0902% | 5,059 |
| Total domestic deposits to total assets | 91.8611% | 47 |
| Equity capital to assets | 7.7107% | 5,218 |
| Core capital (leverage) ratio | 8.0307% | 5,160 |
| Tier 1 risk-based capital ratio | 18.4422% | 1,688 |
| Total risk-based capital ratio | 19.6923% | 1,650 |
| Memoranda: | ||
| Average total assets | $51,897,330 | 4,822 |
| Average earning assets | $48,869,330 | 4,791 |
| Average equity | $4,119,670 | 5,086 |
| Average total loans | $20,491,670 | 4,966 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9535% | 4,465 |
| Cost of funding earning assets | 0.2978% | 4,857 |
| Net interest margin | 3.6557% | 3,058 |
| Noninterest income to average assets | 0.7155% | 1,561 |
| Noninterest expense to average assets | 3.2003% | 1,489 |
| Loan and lease loss provision to assets | 0.0079% | 3,335 |
| Net operating income to assets | 0.9829% | 2,914 |
| Return on assets (ROA) | 0.9829% | 2,953 |
| Pretax return on assets | 0.9829% | 3,501 |
| Return on Equity (ROE) | 12.1966% | 1,464 |
| Retained earnings to average equity (ytd only) | 3.4151% | 3,553 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3602% | 1,459 |
| Assets per employee ($millions) | 4.3613% | 3,398 |
| Cash dividends to net income (ytd only)* | 72.0000% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5721% | 1,122 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 38.4026% | 4,940 |
| Net loans and leases to deposits | 41.8212% | 5,042 |
| Net loans and leases to core deposits | 42.6103% | 5,067 |
| Total domestic deposits to total assets | 91.8257% | 70 |
| Equity capital to assets | 7.8666% | 5,211 |
| Core capital (leverage) ratio | 8.1753% | 5,148 |
| Tier 1 risk-based capital ratio | 18.3451% | 1,703 |
| Total risk-based capital ratio | 19.5972% | 1,647 |
| Memoranda: | ||
| Average total assets | $50,870,500 | 4,886 |
| Average earning assets | $48,362,500 | 4,850 |
| Average equity | $4,099,500 | 5,137 |
| Average total loans | $20,577,500 | 5,026 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9991% | 4,032 |
| Cost of funding earning assets | 0.2510% | 4,800 |
| Net interest margin | 3.7481% | 2,866 |
| Noninterest income to average assets | 0.7828% | 1,511 |
| Noninterest expense to average assets | 3.3205% | 1,272 |
| Loan and lease loss provision to assets | 0.0483% | 3,214 |
| Net operating income to assets | 0.9901% | 3,051 |
| Return on assets (ROA) | 0.9901% | 3,051 |
| Pretax return on assets | 0.9901% | 3,641 |
| Return on Equity (ROE) | 12.3290% | 1,606 |
| Retained earnings to average equity (ytd only) | 4.1097% | 3,298 |
| Net charge-offs to loans | 0.0186% | 3,078 |
| Credit loss provision to net charge-offs | 600.0000% | 575 |
| Earnings coverage of net charge-offs (x) | 129.0000% | 621 |
| Efficiency ratio | 76.1773% | 1,336 |
| Assets per employee ($millions) | 4.1172% | 3,723 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5432% | 1,167 |
| Loan loss allowance to noncurrent loans | 10,666.6667% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 4,888 |
| Noncurrent loans to loans | 0.0145% | 4,734 |
| Net loans and leases to total assets | 41.3229% | 4,901 |
| Net loans and leases to deposits | 45.1512% | 5,002 |
| Net loans and leases to core deposits | 46.0546% | 5,038 |
| Total domestic deposits to total assets | 91.5213% | 115 |
| Equity capital to assets | 8.2622% | 5,059 |
| Core capital (leverage) ratio | 8.1589% | 5,187 |
| Tier 1 risk-based capital ratio | 17.3017% | 1,949 |
| Total risk-based capital ratio | 18.5521% | 1,911 |
| Memoranda: | ||
| Average total assets | $49,690,600 | 4,942 |
| Average earning assets | $47,411,000 | 4,907 |
| Average equity | $3,990,600 | 5,179 |
| Average total loans | $21,503,600 | 5,038 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9261% | 4,146 |
| Cost of funding earning assets | 0.2357% | 4,864 |
| Net interest margin | 3.6904% | 3,057 |
| Noninterest income to average assets | 0.7877% | 1,515 |
| Noninterest expense to average assets | 3.2876% | 1,328 |
| Loan and lease loss provision to assets | 0.0509% | 2,968 |
| Net operating income to assets | 0.9726% | 3,206 |
| Return on assets (ROA) | 0.9726% | 3,219 |
| Pretax return on assets | 0.9726% | 3,809 |
| Return on Equity (ROE) | 12.1981% | 1,723 |
| Retained earnings to average equity (ytd only) | 3.5284% | 4,009 |
| Net charge-offs to loans | 0.0184% | 2,781 |
| Credit loss provision to net charge-offs | 633.3333% | 570 |
| Earnings coverage of net charge-offs (x) | 127.3300% | 629 |
| Efficiency ratio | 76.2585% | 1,324 |
| Assets per employee ($millions) | 4.1758% | 3,605 |
| Cash dividends to net income (ytd only)* | 71.0738% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3750% | 1,797 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 45.2325% | 4,830 |
| Net loans and leases to deposits | 49.4804% | 4,965 |
| Net loans and leases to core deposits | 50.4563% | 5,008 |
| Total domestic deposits to total assets | 91.4149% | 147 |
| Equity capital to assets | 8.0283% | 5,165 |
| Core capital (leverage) ratio | 8.1024% | 5,292 |
| Tier 1 risk-based capital ratio | 16.5426% | 2,257 |
| Total risk-based capital ratio | 17.7927% | 2,200 |
| Memoranda: | ||
| Average total assets | $49,761,750 | 4,994 |
| Average earning assets | $47,509,750 | 4,961 |
| Average equity | $3,967,750 | 5,247 |
| Average total loans | $21,695,500 | 5,096 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8307% | 4,267 |
| Cost of funding earning assets | 0.2325% | 4,833 |
| Net interest margin | 3.5982% | 3,318 |
| Noninterest income to average assets | 0.7977% | 1,481 |
| Noninterest expense to average assets | 3.2269% | 1,476 |
| Loan and lease loss provision to assets | 0.0645% | 2,611 |
| Net operating income to assets | 0.9346% | 3,307 |
| Return on assets (ROA) | 0.9346% | 3,309 |
| Pretax return on assets | 0.9346% | 3,863 |
| Return on Equity (ROE) | 11.7488% | 1,822 |
| Retained earnings to average equity (ytd only) | 3.3930% | 3,882 |
| Net charge-offs to loans | 0.1317% | 1,132 |
| Credit loss provision to net charge-offs | 114.2857% | 1,845 |
| Earnings coverage of net charge-offs (x) | 17.7143% | 1,940 |
| Efficiency ratio | 76.3584% | 1,381 |
| Assets per employee ($millions) | 4.1817% | 3,609 |
| Cash dividends to net income (ytd only)* | 71.1207% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3907% | 1,783 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 42.6724% | 4,962 |
| Net loans and leases to deposits | 46.5561% | 5,075 |
| Net loans and leases to core deposits | 47.4695% | 5,116 |
| Total domestic deposits to total assets | 91.6580% | 127 |
| Equity capital to assets | 7.9414% | 5,243 |
| Core capital (leverage) ratio | 8.0007% | 5,346 |
| Tier 1 risk-based capital ratio | 16.6083% | 2,225 |
| Total risk-based capital ratio | 17.8545% | 2,171 |
| Memoranda: | ||
| Average total assets | $49,645,670 | 5,051 |
| Average earning assets | $47,302,000 | 5,016 |
| Average equity | $3,949,330 | 5,308 |
| Average total loans | $21,266,670 | 5,168 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6900% | 4,488 |
| Cost of funding earning assets | 0.2296% | 4,839 |
| Net interest margin | 3.4604% | 3,669 |
| Noninterest income to average assets | 0.7696% | 1,547 |
| Noninterest expense to average assets | 3.1350% | 1,729 |
| Loan and lease loss provision to assets | 0.0486% | 2,809 |
| Net operating income to assets | 0.8830% | 3,361 |
| Return on assets (ROA) | 0.8830% | 3,373 |
| Pretax return on assets | 0.8830% | 3,900 |
| Return on Equity (ROE) | 11.0899% | 1,932 |
| Retained earnings to average equity (ytd only) | 2.7470% | 4,084 |
| Net charge-offs to loans | -0.0190% | 4,531 |
| Credit loss provision to net charge-offs | -600.0000% | 4,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0916% | 1,448 |
| Assets per employee ($millions) | 4.1901% | 3,666 |
| Cash dividends to net income (ytd only)* | 75.2294% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4726% | 1,571 |
| Loan loss allowance to noncurrent loans | 2,361.5385% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.0259% | 4,989 |
| Noncurrent loans to loans | 0.0624% | 4,699 |
| Net loans and leases to total assets | 40.8524% | 5,037 |
| Net loans and leases to deposits | 44.4659% | 5,140 |
| Net loans and leases to core deposits | 45.3344% | 5,180 |
| Total domestic deposits to total assets | 91.8737% | 123 |
| Equity capital to assets | 7.8459% | 5,311 |
| Core capital (leverage) ratio | 8.0824% | 5,369 |
| Tier 1 risk-based capital ratio | 16.9772% | 2,123 |
| Total risk-based capital ratio | 18.2252% | 2,075 |
| Memoranda: | ||
| Average total assets | $49,378,500 | 5,118 |
| Average earning assets | $47,046,500 | 5,079 |
| Average equity | $3,931,500 | 5,364 |
| Average total loans | $21,042,500 | 5,231 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7593% | 4,186 |
| Cost of funding earning assets | 0.2214% | 4,781 |
| Net interest margin | 3.5379% | 3,387 |
| Noninterest income to average assets | 0.8015% | 1,560 |
| Noninterest expense to average assets | 3.2894% | 1,397 |
| Loan and lease loss provision to assets | 0.0416% | 3,430 |
| Net operating income to assets | 0.8300% | 3,033 |
| Return on assets (ROA) | 0.8300% | 3,069 |
| Pretax return on assets | 0.8300% | 4,165 |
| Return on Equity (ROE) | 9.7741% | 1,990 |
| Retained earnings to average equity (ytd only) | 1.7537% | 4,268 |
| Net charge-offs to loans | 0.0560% | 2,686 |
| Credit loss provision to net charge-offs | 158.3333% | 1,688 |
| Earnings coverage of net charge-offs (x) | 33.1667% | 1,444 |
| Efficiency ratio | 79.0526% | 1,217 |
| Assets per employee ($millions) | 4.0397% | 3,899 |
| Cash dividends to net income (ytd only)* | 82.0580% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4126% | 1,715 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 43.1904% | 5,020 |
| Net loans and leases to deposits | 47.0780% | 5,161 |
| Net loans and leases to core deposits | 48.0328% | 5,188 |
| Total domestic deposits to total assets | 91.7423% | 104 |
| Equity capital to assets | 8.0824% | 5,361 |
| Core capital (leverage) ratio | 8.3104% | 5,279 |
| Tier 1 risk-based capital ratio | 16.5806% | 2,235 |
| Total risk-based capital ratio | 17.8290% | 2,181 |
| Memoranda: | ||
| Average total assets | $45,662,000 | 5,237 |
| Average earning assets | $43,359,600 | 5,200 |
| Average equity | $3,877,600 | 5,441 |
| Average total loans | $21,409,800 | 5,273 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7691% | 4,107 |
| Cost of funding earning assets | 0.2223% | 4,791 |
| Net interest margin | 3.5469% | 3,328 |
| Noninterest income to average assets | 0.8007% | 1,581 |
| Noninterest expense to average assets | 3.3156% | 1,311 |
| Loan and lease loss provision to assets | 0.0267% | 3,595 |
| Net operating income to assets | 0.8185% | 3,446 |
| Return on assets (ROA) | 0.8185% | 3,486 |
| Pretax return on assets | 0.8185% | 4,304 |
| Return on Equity (ROE) | 9.5149% | 2,342 |
| Retained earnings to average equity (ytd only) | 1.5514% | 4,804 |
| Net charge-offs to loans | 0.0497% | 2,432 |
| Credit loss provision to net charge-offs | 112.5000% | 2,107 |
| Earnings coverage of net charge-offs (x) | 35.6129% | 1,406 |
| Efficiency ratio | 79.6864% | 1,145 |
| Assets per employee ($millions) | 3.8573% | 4,224 |
| Cash dividends to net income (ytd only)* | 83.6952% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3326% | 2,194 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 47.0283% | 4,883 |
| Net loans and leases to deposits | 51.6368% | 5,066 |
| Net loans and leases to core deposits | 52.7389% | 5,114 |
| Total domestic deposits to total assets | 91.0752% | 170 |
| Equity capital to assets | 8.4149% | 5,335 |
| Core capital (leverage) ratio | 8.6694% | 5,092 |
| Tier 1 risk-based capital ratio | 15.9900% | 2,512 |
| Total risk-based capital ratio | 17.1969% | 2,466 |
| Memoranda: | ||
| Average total assets | $44,958,500 | 5,307 |
| Average earning assets | $42,590,250 | 5,279 |
| Average equity | $3,867,500 | 5,500 |
| Average total loans | $21,453,000 | 5,325 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7165% | 4,173 |
| Cost of funding earning assets | 0.2186% | 4,812 |
| Net interest margin | 3.4979% | 3,405 |
| Noninterest income to average assets | 0.8042% | 1,557 |
| Noninterest expense to average assets | 3.2932% | 1,385 |
| Loan and lease loss provision to assets | 0.0270% | 3,461 |
| Net operating income to assets | 0.7907% | 3,438 |
| Return on assets (ROA) | 0.7907% | 3,496 |
| Pretax return on assets | 0.7907% | 4,305 |
| Return on Equity (ROE) | 9.1231% | 2,451 |
| Retained earnings to average equity (ytd only) | 1.1404% | 4,782 |
| Net charge-offs to loans | 0.0659% | 1,989 |
| Credit loss provision to net charge-offs | 85.7143% | 2,196 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,586 |
| Efficiency ratio | 80.1093% | 1,200 |
| Assets per employee ($millions) | 3.8070% | 4,269 |
| Cash dividends to net income (ytd only)* | 87.5000% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3608% | 2,113 |
| Loan loss allowance to noncurrent loans | 7,300.0000% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 5,261 |
| Noncurrent loans to loans | 0.0186% | 5,096 |
| Net loans and leases to total assets | 46.3313% | 4,934 |
| Net loans and leases to deposits | 50.8163% | 5,112 |
| Net loans and leases to core deposits | 51.9118% | 5,149 |
| Total domestic deposits to total assets | 91.1742% | 180 |
| Equity capital to assets | 8.4734% | 5,322 |
| Core capital (leverage) ratio | 8.7326% | 5,021 |
| Tier 1 risk-based capital ratio | 16.2435% | 2,412 |
| Total risk-based capital ratio | 17.4688% | 2,363 |
| Memoranda: | ||
| Average total assets | $44,515,670 | 5,358 |
| Average earning assets | $42,082,670 | 5,325 |
| Average equity | $3,858,330 | 5,543 |
| Average total loans | $21,250,000 | 5,370 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6812% | 4,166 |
| Cost of funding earning assets | 0.2216% | 4,786 |
| Net interest margin | 3.4595% | 3,421 |
| Noninterest income to average assets | 0.8377% | 1,438 |
| Noninterest expense to average assets | 3.2778% | 1,430 |
| Loan and lease loss provision to assets | 0.0455% | 2,889 |
| Net operating income to assets | 0.7830% | 3,292 |
| Return on assets (ROA) | 0.7830% | 3,349 |
| Pretax return on assets | 0.7830% | 4,172 |
| Return on Equity (ROE) | 8.9304% | 2,452 |
| Retained earnings to average equity (ytd only) | 0.6231% | 4,769 |
| Net charge-offs to loans | 0.0946% | 1,413 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 18.2000% | 1,574 |
| Efficiency ratio | 79.8226% | 1,404 |
| Assets per employee ($millions) | 3.7635% | 4,393 |
| Cash dividends to net income (ytd only)* | 93.0233% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4161% | 2,012 |
| Loan loss allowance to noncurrent loans | 29,300.0000% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.1771% | 4,530 |
| Noncurrent loans to loans | 0.0048% | 5,250 |
| Net loans and leases to total assets | 45.1663% | 4,977 |
| Net loans and leases to deposits | 49.5217% | 5,158 |
| Net loans and leases to core deposits | 50.5978% | 5,197 |
| Total domestic deposits to total assets | 91.2050% | 241 |
| Equity capital to assets | 8.5359% | 5,213 |
| Core capital (leverage) ratio | 8.8493% | 4,906 |
| Tier 1 risk-based capital ratio | 17.4041% | 2,063 |
| Total risk-based capital ratio | 18.6546% | 2,011 |
| Memoranda: | ||
| Average total assets | $43,931,500 | 5,423 |
| Average earning assets | $41,508,500 | 5,395 |
| Average equity | $3,852,000 | 5,604 |
| Average total loans | $21,146,000 | 5,431 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8027% | 3,905 |
| Cost of funding earning assets | 0.2339% | 4,706 |
| Net interest margin | 3.5688% | 3,191 |
| Noninterest income to average assets | 0.8476% | 1,586 |
| Noninterest expense to average assets | 3.3230% | 1,530 |
| Loan and lease loss provision to assets | 0.0116% | 4,146 |
| Net operating income to assets | 0.8523% | 3,058 |
| Return on assets (ROA) | 0.8523% | 3,166 |
| Pretax return on assets | 0.8523% | 4,004 |
| Return on Equity (ROE) | 9.5832% | 2,153 |
| Retained earnings to average equity (ytd only) | 1.4925% | 4,667 |
| Net charge-offs to loans | 0.0188% | 3,682 |
| Credit loss provision to net charge-offs | 125.0000% | 2,135 |
| Earnings coverage of net charge-offs (x) | 92.7500% | 640 |
| Efficiency ratio | 79.3660% | 1,501 |
| Assets per employee ($millions) | 3.8819% | 4,173 |
| Cash dividends to net income (ytd only)* | 84.4262% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3564% | 2,274 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1850% | 4,577 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 49.9005% | 4,771 |
| Net loans and leases to deposits | 54.9444% | 4,970 |
| Net loans and leases to core deposits | 55.6839% | 5,059 |
| Total domestic deposits to total assets | 90.8199% | 335 |
| Equity capital to assets | 9.0138% | 4,806 |
| Core capital (leverage) ratio | 8.9381% | 4,812 |
| Tier 1 risk-based capital ratio | 16.6949% | 2,270 |
| Total risk-based capital ratio | 17.9440% | 2,212 |
| Memoranda: | ||
| Average total assets | $42,943,000 | 5,490 |
| Average earning assets | $40,181,600 | 5,466 |
| Average equity | $3,819,200 | 5,664 |
| Average total loans | $21,280,000 | 5,476 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8274% | 3,845 |
| Cost of funding earning assets | 0.2394% | 4,711 |
| Net interest margin | 3.5880% | 3,119 |
| Noninterest income to average assets | 0.8588% | 1,550 |
| Noninterest expense to average assets | 3.3578% | 1,437 |
| Loan and lease loss provision to assets | 0.0062% | 4,106 |
| Net operating income to assets | 0.8402% | 3,196 |
| Return on assets (ROA) | 0.8402% | 3,314 |
| Pretax return on assets | 0.8402% | 4,189 |
| Return on Equity (ROE) | 9.4791% | 2,282 |
| Retained earnings to average equity (ytd only) | 1.2942% | 4,996 |
| Net charge-offs to loans | 0.0126% | 3,514 |
| Credit loss provision to net charge-offs | 100.0000% | 2,352 |
| Earnings coverage of net charge-offs (x) | 136.3258% | 507 |
| Efficiency ratio | 79.8673% | 1,450 |
| Assets per employee ($millions) | 4.3471% | 3,337 |
| Cash dividends to net income (ytd only)* | 86.3473% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3671% | 2,352 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3773% | 3,909 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 48.4622% | 4,927 |
| Net loans and leases to deposits | 53.4153% | 5,143 |
| Net loans and leases to core deposits | 54.1220% | 5,221 |
| Total domestic deposits to total assets | 90.7272% | 267 |
| Equity capital to assets | 8.8082% | 5,312 |
| Core capital (leverage) ratio | 8.8330% | 5,023 |
| Tier 1 risk-based capital ratio | 16.6834% | 2,340 |
| Total risk-based capital ratio | 17.9295% | 2,295 |
| Memoranda: | ||
| Average total assets | $43,003,500 | 5,545 |
| Average earning assets | $40,096,000 | 5,523 |
| Average equity | $3,811,750 | 5,725 |
| Average total loans | $21,199,750 | 5,527 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8208% | 3,885 |
| Cost of funding earning assets | 0.2416% | 4,740 |
| Net interest margin | 3.5792% | 3,177 |
| Noninterest income to average assets | 0.8262% | 1,623 |
| Noninterest expense to average assets | 3.2954% | 1,599 |
| Loan and lease loss provision to assets | 0.0093% | 3,902 |
| Net operating income to assets | 0.8402% | 3,131 |
| Return on assets (ROA) | 0.8402% | 3,267 |
| Pretax return on assets | 0.8402% | 4,156 |
| Return on Equity (ROE) | 9.4587% | 2,292 |
| Retained earnings to average equity (ytd only) | 1.3137% | 4,861 |
| Net charge-offs to loans | 0.0189% | 3,121 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 91.0000% | 627 |
| Efficiency ratio | 79.5045% | 1,560 |
| Assets per employee ($millions) | 3.5719% | 4,646 |
| Cash dividends to net income (ytd only)* | 86.1111% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3387% | 2,579 |
| Loan loss allowance to noncurrent loans | 14,600.0000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.3873% | 3,943 |
| Noncurrent loans to loans | 0.0092% | 5,467 |
| Net loans and leases to total assets | 50.2088% | 4,828 |
| Net loans and leases to deposits | 55.3467% | 5,056 |
| Net loans and leases to core deposits | 56.0881% | 5,166 |
| Total domestic deposits to total assets | 90.7169% | 256 |
| Equity capital to assets | 8.9074% | 5,308 |
| Core capital (leverage) ratio | 8.8735% | 4,971 |
| Tier 1 risk-based capital ratio | 16.4356% | 2,454 |
| Total risk-based capital ratio | 17.6840% | 2,394 |
| Memoranda: | ||
| Average total assets | $42,847,670 | 5,612 |
| Average earning assets | $39,730,000 | 5,592 |
| Average equity | $3,806,000 | 5,792 |
| Average total loans | $21,146,670 | 5,591 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8107% | 3,907 |
| Cost of funding earning assets | 0.2445% | 4,757 |
| Net interest margin | 3.5662% | 3,218 |
| Noninterest income to average assets | 0.8310% | 1,514 |
| Noninterest expense to average assets | 3.2493% | 1,725 |
| Loan and lease loss provision to assets | 0.0187% | 3,444 |
| Net operating income to assets | 0.8310% | 3,092 |
| Return on assets (ROA) | 0.8310% | 3,220 |
| Pretax return on assets | 0.8310% | 4,100 |
| Return on Equity (ROE) | 9.3684% | 2,256 |
| Retained earnings to average equity (ytd only) | 1.4737% | 4,680 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2711% | 1,704 |
| Assets per employee ($millions) | 3.9158% | 4,097 |
| Cash dividends to net income (ytd only)* | 84.2697% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4180% | 2,341 |
| Loan loss allowance to noncurrent loans | 14,700.0000% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.3854% | 4,046 |
| Noncurrent loans to loans | 0.0096% | 5,481 |
| Net loans and leases to total assets | 47.4509% | 5,010 |
| Net loans and leases to deposits | 52.2042% | 5,218 |
| Net loans and leases to core deposits | 53.3516% | 5,296 |
| Total domestic deposits to total assets | 90.8947% | 303 |
| Equity capital to assets | 8.8383% | 5,310 |
| Core capital (leverage) ratio | 8.8358% | 5,045 |
| Tier 1 risk-based capital ratio | 17.1486% | 2,232 |
| Total risk-based capital ratio | 18.3964% | 2,200 |
| Memoranda: | ||
| Average total assets | $42,840,000 | 5,660 |
| Average earning assets | $39,257,500 | 5,653 |
| Average equity | $3,800,000 | 5,843 |
| Average total loans | $20,813,500 | 5,654 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7878% | 4,081 |
| Cost of funding earning assets | 0.2408% | 4,884 |
| Net interest margin | 3.5470% | 3,339 |
| Noninterest income to average assets | 0.8473% | 1,617 |
| Noninterest expense to average assets | 3.2779% | 1,766 |
| Loan and lease loss provision to assets | -0.0426% | 5,721 |
| Net operating income to assets | 0.8544% | 3,087 |
| Return on assets (ROA) | 0.8544% | 3,158 |
| Pretax return on assets | 0.8544% | 4,007 |
| Return on Equity (ROE) | 9.5847% | 2,186 |
| Retained earnings to average equity (ytd only) | 1.4072% | 4,925 |
| Net charge-offs to loans | 0.0194% | 3,880 |
| Credit loss provision to net charge-offs | -450.0000% | 5,420 |
| Earnings coverage of net charge-offs (x) | 85.7500% | 658 |
| Efficiency ratio | 80.1505% | 1,655 |
| Assets per employee ($millions) | 3.8733% | 4,170 |
| Cash dividends to net income (ytd only)* | 85.3186% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3975% | 2,437 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3849% | 4,054 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 48.3547% | 4,985 |
| Net loans and leases to deposits | 53.1665% | 5,207 |
| Net loans and leases to core deposits | 54.3445% | 5,293 |
| Total domestic deposits to total assets | 90.9496% | 292 |
| Equity capital to assets | 8.9025% | 5,219 |
| Core capital (leverage) ratio | 8.9436% | 4,950 |
| Tier 1 risk-based capital ratio | 17.1878% | 2,224 |
| Total risk-based capital ratio | 18.4385% | 2,177 |
| Memoranda: | ||
| Average total assets | $42,252,800 | 5,721 |
| Average earning assets | $38,623,800 | 5,713 |
| Average equity | $3,766,400 | 5,892 |
| Average total loans | $20,657,800 | 5,695 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7801% | 4,158 |
| Cost of funding earning assets | 0.2425% | 4,966 |
| Net interest margin | 3.5376% | 3,396 |
| Noninterest income to average assets | 0.8348% | 1,672 |
| Noninterest expense to average assets | 3.2539% | 1,813 |
| Loan and lease loss provision to assets | -0.0633% | 5,941 |
| Net operating income to assets | 0.8727% | 3,077 |
| Return on assets (ROA) | 0.8727% | 3,159 |
| Pretax return on assets | 0.8727% | 4,080 |
| Return on Equity (ROE) | 9.7876% | 2,183 |
| Retained earnings to average equity (ytd only) | 1.7733% | 4,991 |
| Net charge-offs to loans | 0.0194% | 3,548 |
| Credit loss provision to net charge-offs | -666.6667% | 5,418 |
| Earnings coverage of net charge-offs (x) | 85.3300% | 712 |
| Efficiency ratio | 80.0778% | 1,651 |
| Assets per employee ($millions) | 3.8333% | 4,199 |
| Cash dividends to net income (ytd only)* | 81.8854% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4626% | 2,316 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3889% | 4,209 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 46.6537% | 5,179 |
| Net loans and leases to deposits | 51.4987% | 5,391 |
| Net loans and leases to core deposits | 52.1970% | 5,492 |
| Total domestic deposits to total assets | 90.5919% | 364 |
| Equity capital to assets | 8.9883% | 5,313 |
| Core capital (leverage) ratio | 9.0562% | 4,929 |
| Tier 1 risk-based capital ratio | 18.2019% | 1,981 |
| Total risk-based capital ratio | 19.4506% | 1,945 |
| Memoranda: | ||
| Average total assets | $42,164,500 | 5,796 |
| Average earning assets | $38,481,000 | 5,795 |
| Average equity | $3,759,750 | 5,975 |
| Average total loans | $20,598,750 | 5,766 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7776% | 4,138 |
| Cost of funding earning assets | 0.2456% | 4,988 |
| Net interest margin | 3.5321% | 3,370 |
| Noninterest income to average assets | 0.7827% | 1,855 |
| Noninterest expense to average assets | 3.2208% | 1,920 |
| Loan and lease loss provision to assets | -0.1044% | 6,091 |
| Net operating income to assets | 0.8728% | 3,029 |
| Return on assets (ROA) | 0.8728% | 3,137 |
| Pretax return on assets | 0.8728% | 4,060 |
| Return on Equity (ROE) | 9.8142% | 2,152 |
| Retained earnings to average equity (ytd only) | 1.1734% | 5,096 |
| Net charge-offs to loans | 0.0192% | 3,308 |
| Credit loss provision to net charge-offs | -1,100.0000% | 5,369 |
| Earnings coverage of net charge-offs (x) | 81.0000% | 698 |
| Efficiency ratio | 80.7372% | 1,655 |
| Assets per employee ($millions) | 3.8471% | 4,174 |
| Cash dividends to net income (ytd only)* | 88.0435% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3886% | 2,814 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3875% | 4,351 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 48.8326% | 5,028 |
| Net loans and leases to deposits | 53.7815% | 5,270 |
| Net loans and leases to core deposits | 54.5064% | 5,392 |
| Total domestic deposits to total assets | 90.7982% | 358 |
| Equity capital to assets | 8.8898% | 5,350 |
| Core capital (leverage) ratio | 8.9048% | 5,092 |
| Tier 1 risk-based capital ratio | 17.2521% | 2,307 |
| Total risk-based capital ratio | 18.4995% | 2,266 |
| Memoranda: | ||
| Average total assets | $42,164,000 | 5,857 |
| Average earning assets | $38,278,000 | 5,858 |
| Average equity | $3,749,670 | 6,038 |
| Average total loans | $20,810,330 | 5,815 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7870% | 4,060 |
| Cost of funding earning assets | 0.2308% | 5,205 |
| Net interest margin | 3.5562% | 3,197 |
| Noninterest income to average assets | 0.8744% | 1,481 |
| Noninterest expense to average assets | 3.2314% | 1,902 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8649% | 2,933 |
| Return on assets (ROA) | 0.8649% | 3,049 |
| Pretax return on assets | 0.8649% | 4,007 |
| Return on Equity (ROE) | 9.7235% | 2,124 |
| Retained earnings to average equity (ytd only) | 0.7480% | 5,152 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8863% | 2,062 |
| Assets per employee ($millions) | 3.8622% | 4,229 |
| Cash dividends to net income (ytd only)* | 92.3077% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5189% | 2,373 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4472% | 4,245 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 47.9216% | 5,040 |
| Net loans and leases to deposits | 52.6930% | 5,289 |
| Net loans and leases to core deposits | 53.3979% | 5,402 |
| Total domestic deposits to total assets | 90.9448% | 389 |
| Equity capital to assets | 8.8198% | 5,487 |
| Core capital (leverage) ratio | 8.9753% | 4,977 |
| Tier 1 risk-based capital ratio | 17.3280% | 2,372 |
| Total risk-based capital ratio | 18.5766% | 2,325 |
| Memoranda: | ||
| Average total assets | $42,087,000 | 5,915 |
| Average earning assets | $38,130,500 | 5,917 |
| Average equity | $3,743,500 | 6,102 |
| Average total loans | $20,737,500 | 5,869 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9616% | 3,865 |
| Cost of funding earning assets | 0.2407% | 5,417 |
| Net interest margin | 3.7209% | 2,921 |
| Noninterest income to average assets | 0.9559% | 1,334 |
| Noninterest expense to average assets | 3.4629% | 1,567 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8591% | 3,065 |
| Return on assets (ROA) | 0.8591% | 3,163 |
| Pretax return on assets | 0.8591% | 4,035 |
| Return on Equity (ROE) | 9.5384% | 2,322 |
| Retained earnings to average equity (ytd only) | 1.2897% | 5,197 |
| Net charge-offs to loans | -0.0048% | 5,464 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1232% | 1,910 |
| Assets per employee ($millions) | 3.7900% | 4,362 |
| Cash dividends to net income (ytd only)* | 86.4789% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5095% | 2,431 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4557% | 4,292 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 49.1437% | 5,049 |
| Net loans and leases to deposits | 54.1667% | 5,320 |
| Net loans and leases to core deposits | 54.9055% | 5,452 |
| Total domestic deposits to total assets | 90.7268% | 455 |
| Equity capital to assets | 8.9710% | 5,323 |
| Core capital (leverage) ratio | 9.1199% | 4,795 |
| Tier 1 risk-based capital ratio | 17.2804% | 2,389 |
| Total risk-based capital ratio | 18.5372% | 2,347 |
| Memoranda: | ||
| Average total assets | $41,323,800 | 6,003 |
| Average earning assets | $37,383,800 | 6,002 |
| Average equity | $3,721,800 | 6,140 |
| Average total loans | $20,682,400 | 5,935 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0034% | 3,744 |
| Cost of funding earning assets | 0.2435% | 5,469 |
| Net interest margin | 3.7599% | 2,776 |
| Noninterest income to average assets | 0.9636% | 1,326 |
| Noninterest expense to average assets | 3.5020% | 1,454 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8569% | 3,141 |
| Return on assets (ROA) | 0.8569% | 3,234 |
| Pretax return on assets | 0.8569% | 4,156 |
| Return on Equity (ROE) | 9.5049% | 2,446 |
| Retained earnings to average equity (ytd only) | 1.5783% | 5,255 |
| Net charge-offs to loans | -0.0064% | 5,343 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3412% | 1,865 |
| Assets per employee ($millions) | 3.7663% | 4,358 |
| Cash dividends to net income (ytd only)* | 83.3975% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5513% | 2,497 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4586% | 4,521 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 48.0992% | 5,194 |
| Net loans and leases to deposits | 53.1160% | 5,451 |
| Net loans and leases to core deposits | 53.1160% | 5,620 |
| Total domestic deposits to total assets | 90.5549% | 504 |
| Equity capital to assets | 9.0178% | 5,335 |
| Core capital (leverage) ratio | 8.9642% | 5,116 |
| Tier 1 risk-based capital ratio | 17.5514% | 2,380 |
| Total risk-based capital ratio | 18.8058% | 2,335 |
| Memoranda: | ||
| Average total assets | $41,232,250 | 6,082 |
| Average earning assets | $37,234,500 | 6,081 |
| Average equity | $3,717,250 | 6,211 |
| Average total loans | $20,652,500 | 5,998 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0282% | 3,623 |
| Cost of funding earning assets | 0.2534% | 5,450 |
| Net interest margin | 3.7748% | 2,652 |
| Noninterest income to average assets | 0.9619% | 1,303 |
| Noninterest expense to average assets | 3.5174% | 1,444 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8453% | 3,098 |
| Return on assets (ROA) | 0.8453% | 3,198 |
| Pretax return on assets | 0.8453% | 4,098 |
| Return on Equity (ROE) | 9.3775% | 2,424 |
| Retained earnings to average equity (ytd only) | 1.9941% | 4,883 |
| Net charge-offs to loans | -0.0096% | 5,312 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6236% | 1,927 |
| Assets per employee ($millions) | 3.7929% | 4,269 |
| Cash dividends to net income (ytd only)* | 78.7356% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4742% | 3,014 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4554% | 4,634 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 50.2996% | 4,925 |
| Net loans and leases to deposits | 55.4159% | 5,243 |
| Net loans and leases to core deposits | 55.4159% | 5,447 |
| Total domestic deposits to total assets | 90.7675% | 484 |
| Equity capital to assets | 8.9377% | 5,375 |
| Core capital (leverage) ratio | 9.0291% | 4,973 |
| Tier 1 risk-based capital ratio | 16.6043% | 2,781 |
| Total risk-based capital ratio | 17.8556% | 2,748 |
| Memoranda: | ||
| Average total assets | $41,166,670 | 6,137 |
| Average earning assets | $37,088,330 | 6,142 |
| Average equity | $3,711,000 | 6,259 |
| Average total loans | $20,789,670 | 6,038 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9873% | 3,742 |
| Cost of funding earning assets | 0.2593% | 5,501 |
| Net interest margin | 3.7280% | 2,757 |
| Noninterest income to average assets | 0.9293% | 1,306 |
| Noninterest expense to average assets | 3.4728% | 1,541 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8315% | 2,995 |
| Return on assets (ROA) | 0.8315% | 3,067 |
| Pretax return on assets | 0.8315% | 3,969 |
| Return on Equity (ROE) | 9.1842% | 2,383 |
| Retained earnings to average equity (ytd only) | 2.0529% | 4,789 |
| Net charge-offs to loans | -0.0584% | 5,875 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6818% | 2,092 |
| Assets per employee ($millions) | 3.4188% | 5,104 |
| Cash dividends to net income (ytd only)* | 77.6471% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5180% | 3,069 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4631% | 4,753 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 49.9708% | 4,914 |
| Net loans and leases to deposits | 55.0776% | 5,190 |
| Net loans and leases to core deposits | 55.0776% | 5,431 |
| Total domestic deposits to total assets | 90.7278% | 676 |
| Equity capital to assets | 9.0479% | 5,063 |
| Core capital (leverage) ratio | 8.9798% | 5,042 |
| Tier 1 risk-based capital ratio | 16.9089% | 2,733 |
| Total risk-based capital ratio | 18.1615% | 2,686 |
| Memoranda: | ||
| Average total assets | $40,889,000 | 6,207 |
| Average earning assets | $37,017,500 | 6,202 |
| Average equity | $3,702,000 | 6,308 |
| Average total loans | $20,534,500 | 6,114 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0610% | 3,878 |
| Cost of funding earning assets | 0.2984% | 5,611 |
| Net interest margin | 3.7626% | 2,794 |
| Noninterest income to average assets | 0.8466% | 1,879 |
| Noninterest expense to average assets | 3.4285% | 1,815 |
| Loan and lease loss provision to assets | 0.0173% | 4,786 |
| Net operating income to assets | 0.8244% | 3,161 |
| Return on assets (ROA) | 0.8244% | 3,254 |
| Pretax return on assets | 0.8244% | 4,056 |
| Return on Equity (ROE) | 9.1517% | 2,469 |
| Retained earnings to average equity (ytd only) | 2.3290% | 4,593 |
| Net charge-offs to loans | 0.0097% | 5,258 |
| Credit loss provision to net charge-offs | 350.0000% | 647 |
| Earnings coverage of net charge-offs (x) | 170.5000% | 274 |
| Efficiency ratio | 80.2890% | 2,106 |
| Assets per employee ($millions) | 3.3960% | 5,100 |
| Cash dividends to net income (ytd only)* | 74.5509% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5455% | 2,976 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4662% | 4,840 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 48.9277% | 5,202 |
| Net loans and leases to deposits | 53.8761% | 5,479 |
| Net loans and leases to core deposits | 53.8761% | 5,684 |
| Total domestic deposits to total assets | 90.8152% | 654 |
| Equity capital to assets | 9.0597% | 4,962 |
| Core capital (leverage) ratio | 8.7721% | 5,330 |
| Tier 1 risk-based capital ratio | 17.3000% | 2,492 |
| Total risk-based capital ratio | 18.5558% | 2,465 |
| Memoranda: | ||
| Average total assets | $40,513,600 | 6,273 |
| Average earning assets | $36,862,400 | 6,261 |
| Average equity | $3,649,600 | 6,404 |
| Average total loans | $20,614,000 | 6,170 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0401% | 3,975 |
| Cost of funding earning assets | 0.3102% | 5,641 |
| Net interest margin | 3.7299% | 2,920 |
| Noninterest income to average assets | 0.8998% | 1,756 |
| Noninterest expense to average assets | 3.4409% | 1,741 |
| Loan and lease loss provision to assets | 0.0231% | 4,546 |
| Net operating income to assets | 0.8437% | 3,131 |
| Return on assets (ROA) | 0.8437% | 3,251 |
| Pretax return on assets | 0.8437% | 4,125 |
| Return on Equity (ROE) | 9.3795% | 2,450 |
| Retained earnings to average equity (ytd only) | 2.4913% | 4,831 |
| Net charge-offs to loans | 0.0322% | 4,488 |
| Credit loss provision to net charge-offs | 140.0000% | 1,677 |
| Earnings coverage of net charge-offs (x) | 52.5727% | 836 |
| Efficiency ratio | 79.8776% | 2,117 |
| Assets per employee ($millions) | 3.4950% | 4,859 |
| Cash dividends to net income (ytd only)* | 73.4384% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4990% | 3,459 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5126% | 4,911 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 48.5694% | 5,291 |
| Net loans and leases to deposits | 53.4113% | 5,594 |
| Net loans and leases to core deposits | 53.4113% | 5,804 |
| Total domestic deposits to total assets | 90.9347% | 564 |
| Equity capital to assets | 8.7625% | 5,453 |
| Core capital (leverage) ratio | 9.0129% | 5,110 |
| Tier 1 risk-based capital ratio | 16.7403% | 2,846 |
| Total risk-based capital ratio | 17.7834% | 2,888 |
| Memoranda: | ||
| Average total assets | $40,454,000 | 6,347 |
| Average earning assets | $36,962,000 | 6,330 |
| Average equity | $3,639,000 | 6,486 |
| Average total loans | $20,704,500 | 6,227 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9910% | 4,141 |
| Cost of funding earning assets | 0.3199% | 5,663 |
| Net interest margin | 3.6711% | 3,077 |
| Noninterest income to average assets | 0.8909% | 1,842 |
| Noninterest expense to average assets | 3.4285% | 1,765 |
| Loan and lease loss provision to assets | 0.0250% | 4,420 |
| Net operating income to assets | 0.8259% | 3,168 |
| Return on assets (ROA) | 0.8259% | 3,323 |
| Pretax return on assets | 0.8259% | 4,216 |
| Return on Equity (ROE) | 9.0984% | 2,569 |
| Retained earnings to average equity (ytd only) | 2.3160% | 4,814 |
| Net charge-offs to loans | 0.0193% | 4,459 |
| Credit loss provision to net charge-offs | 250.0000% | 995 |
| Earnings coverage of net charge-offs (x) | 85.0000% | 533 |
| Efficiency ratio | 80.1170% | 2,135 |
| Assets per employee ($millions) | 3.3868% | 5,099 |
| Cash dividends to net income (ytd only)* | 74.5455% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4436% | 3,836 |
| Loan loss allowance to noncurrent loans | 2,591.6667% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.5265% | 4,948 |
| Noncurrent loans to loans | 0.0557% | 6,223 |
| Net loans and leases to total assets | 52.2415% | 4,826 |
| Net loans and leases to deposits | 57.5315% | 5,201 |
| Net loans and leases to core deposits | 57.5315% | 5,461 |
| Total domestic deposits to total assets | 90.8051% | 621 |
| Equity capital to assets | 8.9784% | 5,240 |
| Core capital (leverage) ratio | 9.0769% | 4,868 |
| Tier 1 risk-based capital ratio | 16.1539% | 3,116 |
| Total risk-based capital ratio | 17.4067% | 3,062 |
| Memoranda: | ||
| Average total assets | $39,958,670 | 6,399 |
| Average earning assets | $36,882,670 | 6,375 |
| Average equity | $3,627,000 | 6,535 |
| Average total loans | $20,712,670 | 6,266 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8709% | 4,584 |
| Cost of funding earning assets | 0.3280% | 5,736 |
| Net interest margin | 3.5429% | 3,506 |
| Noninterest income to average assets | 0.9289% | 1,662 |
| Noninterest expense to average assets | 3.3723% | 1,891 |
| Loan and lease loss provision to assets | 0.0404% | 3,923 |
| Net operating income to assets | 0.7875% | 3,233 |
| Return on assets (ROA) | 0.7875% | 3,363 |
| Pretax return on assets | 0.7875% | 4,219 |
| Return on Equity (ROE) | 8.6283% | 2,655 |
| Retained earnings to average equity (ytd only) | 1.9912% | 5,006 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2885% | 2,288 |
| Assets per employee ($millions) | 3.3206% | 5,391 |
| Cash dividends to net income (ytd only)* | 76.9231% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5211% | 3,730 |
| Loan loss allowance to noncurrent loans | 2,600.0000% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.5396% | 5,047 |
| Noncurrent loans to loans | 0.0585% | 6,301 |
| Net loans and leases to total assets | 50.6914% | 4,894 |
| Net loans and leases to deposits | 55.8740% | 5,257 |
| Net loans and leases to core deposits | 55.8740% | 5,530 |
| Total domestic deposits to total assets | 90.7245% | 659 |
| Equity capital to assets | 9.0973% | 5,368 |
| Core capital (leverage) ratio | 9.1439% | 4,647 |
| Tier 1 risk-based capital ratio | 17.6108% | 2,514 |
| Total risk-based capital ratio | 18.8642% | 2,480 |
| Memoranda: | ||
| Average total assets | $39,617,000 | 6,476 |
| Average earning assets | $36,580,500 | 6,443 |
| Average equity | $3,616,000 | 6,607 |
| Average total loans | $20,297,500 | 6,344 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0959% | 4,964 |
| Cost of funding earning assets | 0.4220% | 5,774 |
| Net interest margin | 3.6739% | 3,773 |
| Noninterest income to average assets | 0.8923% | 1,890 |
| Noninterest expense to average assets | 3.3879% | 2,077 |
| Loan and lease loss provision to assets | 0.0781% | 4,731 |
| Net operating income to assets | 0.7840% | 3,351 |
| Return on assets (ROA) | 0.7840% | 3,600 |
| Pretax return on assets | 0.7840% | 4,351 |
| Return on Equity (ROE) | 8.7606% | 2,758 |
| Retained earnings to average equity (ytd only) | 3.1831% | 3,987 |
| Net charge-offs to loans | 0.4061% | 2,631 |
| Credit loss provision to net charge-offs | 38.2716% | 4,966 |
| Earnings coverage of net charge-offs (x) | 4.2222% | 3,437 |
| Efficiency ratio | 79.7153% | 2,180 |
| Assets per employee ($millions) | 3.2823% | 5,450 |
| Cash dividends to net income (ytd only)* | 63.6656% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5336% | 3,598 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5154% | 5,190 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 50.2095% | 5,141 |
| Net loans and leases to deposits | 55.3453% | 5,508 |
| Net loans and leases to core deposits | 55.3453% | 5,765 |
| Total domestic deposits to total assets | 90.7203% | 604 |
| Equity capital to assets | 9.1578% | 5,328 |
| Core capital (leverage) ratio | 9.1266% | 4,693 |
| Tier 1 risk-based capital ratio | 17.5823% | 2,426 |
| Total risk-based capital ratio | 18.8350% | 2,390 |
| Memoranda: | ||
| Average total assets | $39,670,600 | 6,511 |
| Average earning assets | $36,255,800 | 6,494 |
| Average equity | $3,550,000 | 6,679 |
| Average total loans | $19,946,000 | 6,429 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1097% | 5,151 |
| Cost of funding earning assets | 0.4522% | 5,777 |
| Net interest margin | 3.6576% | 3,971 |
| Noninterest income to average assets | 0.8958% | 1,841 |
| Noninterest expense to average assets | 3.3147% | 2,228 |
| Loan and lease loss provision to assets | 0.1040% | 4,273 |
| Net operating income to assets | 0.8152% | 3,371 |
| Return on assets (ROA) | 0.8152% | 3,611 |
| Pretax return on assets | 0.8152% | 4,430 |
| Return on Equity (ROE) | 9.1633% | 2,725 |
| Retained earnings to average equity (ytd only) | 3.0921% | 4,691 |
| Net charge-offs to loans | 0.5290% | 2,027 |
| Credit loss provision to net charge-offs | 39.2405% | 4,632 |
| Earnings coverage of net charge-offs (x) | 3.4683% | 3,630 |
| Efficiency ratio | 78.2884% | 2,356 |
| Assets per employee ($millions) | 3.2288% | 5,581 |
| Cash dividends to net income (ytd only)* | 66.2551% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6020% | 3,509 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5239% | 5,367 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 49.3018% | 5,402 |
| Net loans and leases to deposits | 54.4791% | 5,764 |
| Net loans and leases to core deposits | 54.4791% | 6,008 |
| Total domestic deposits to total assets | 90.4968% | 601 |
| Equity capital to assets | 9.2296% | 5,560 |
| Core capital (leverage) ratio | 9.0566% | 4,978 |
| Tier 1 risk-based capital ratio | 18.1523% | 2,284 |
| Total risk-based capital ratio | 19.4010% | 2,261 |
| Memoranda: | ||
| Average total assets | $39,741,500 | 6,591 |
| Average earning assets | $36,271,000 | 6,574 |
| Average equity | $3,535,750 | 6,761 |
| Average total loans | $19,911,500 | 6,516 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0931% | 5,340 |
| Cost of funding earning assets | 0.4857% | 5,723 |
| Net interest margin | 3.6074% | 4,223 |
| Noninterest income to average assets | 0.8934% | 1,810 |
| Noninterest expense to average assets | 3.3937% | 2,042 |
| Loan and lease loss provision to assets | 0.0150% | 5,471 |
| Net operating income to assets | 0.7836% | 3,455 |
| Return on assets (ROA) | 0.7836% | 3,721 |
| Pretax return on assets | 0.7836% | 4,534 |
| Return on Equity (ROE) | 8.9146% | 2,848 |
| Retained earnings to average equity (ytd only) | 2.7255% | 4,805 |
| Net charge-offs to loans | 0.0100% | 5,324 |
| Credit loss provision to net charge-offs | 300.0000% | 969 |
| Earnings coverage of net charge-offs (x) | 160.0000% | 284 |
| Efficiency ratio | 80.9524% | 2,034 |
| Assets per employee ($millions) | 3.3303% | 5,382 |
| Cash dividends to net income (ytd only)* | 69.4268% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8118% | 2,814 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0034% | 4,371 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 48.8189% | 5,516 |
| Net loans and leases to deposits | 53.6918% | 5,901 |
| Net loans and leases to core deposits | 53.6918% | 6,115 |
| Total domestic deposits to total assets | 90.9243% | 475 |
| Equity capital to assets | 8.8630% | 5,849 |
| Core capital (leverage) ratio | 8.8422% | 5,142 |
| Tier 1 risk-based capital ratio | 17.3364% | 2,531 |
| Total risk-based capital ratio | 18.5894% | 2,498 |
| Memoranda: | ||
| Average total assets | $40,073,670 | 6,630 |
| Average earning assets | $36,647,000 | 6,602 |
| Average equity | $3,522,330 | 6,803 |
| Average total loans | $20,077,670 | 6,561 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0036% | 5,746 |
| Cost of funding earning assets | 0.5058% | 5,777 |
| Net interest margin | 3.4978% | 4,713 |
| Noninterest income to average assets | 0.9171% | 1,678 |
| Noninterest expense to average assets | 3.3293% | 2,201 |
| Loan and lease loss provision to assets | 0.0100% | 5,172 |
| Net operating income to assets | 0.8174% | 3,311 |
| Return on assets (ROA) | 0.8174% | 3,540 |
| Pretax return on assets | 0.8174% | 4,351 |
| Return on Equity (ROE) | 9.3381% | 2,666 |
| Retained earnings to average equity (ytd only) | 4.2135% | 4,065 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0959% | 2,189 |
| Assets per employee ($millions) | 3.3878% | 5,371 |
| Cash dividends to net income (ytd only)* | 54.8780% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7533% | 3,153 |
| Loan loss allowance to noncurrent loans | 130.5455% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.9765% | 4,557 |
| Noncurrent loans to loans | 1.3430% | 4,101 |
| Net loans and leases to total assets | 49.4834% | 5,376 |
| Net loans and leases to deposits | 54.2998% | 5,780 |
| Net loans and leases to core deposits | 54.2998% | 6,036 |
| Total domestic deposits to total assets | 91.1300% | 500 |
| Equity capital to assets | 8.6855% | 5,891 |
| Core capital (leverage) ratio | 8.8224% | 5,105 |
| Tier 1 risk-based capital ratio | 17.3139% | 2,545 |
| Total risk-based capital ratio | 18.5692% | 2,517 |
| Memoranda: | ||
| Average total assets | $40,128,500 | 6,680 |
| Average earning assets | $37,166,500 | 6,635 |
| Average equity | $3,512,500 | 6,847 |
| Average total loans | $20,181,500 | 6,602 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3002% | 5,762 |
| Cost of funding earning assets | 0.5616% | 6,281 |
| Net interest margin | 3.7386% | 4,123 |
| Noninterest income to average assets | 0.7922% | 2,107 |
| Noninterest expense to average assets | 3.5222% | 1,931 |
| Loan and lease loss provision to assets | -0.0454% | 7,242 |
| Net operating income to assets | 0.7922% | 3,072 |
| Return on assets (ROA) | 0.7922% | 3,238 |
| Pretax return on assets | 0.7922% | 4,009 |
| Return on Equity (ROE) | 9.0199% | 2,433 |
| Retained earnings to average equity (ytd only) | 0.8618% | 5,457 |
| Net charge-offs to loans | -0.0049% | 6,838 |
| Credit loss provision to net charge-offs | 1,800.0000% | 127 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5059% | 1,954 |
| Assets per employee ($millions) | 3.3003% | 5,508 |
| Cash dividends to net income (ytd only)* | 90.4459% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8002% | 2,872 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3081% | 6,206 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 49.3119% | 5,684 |
| Net loans and leases to deposits | 54.1705% | 6,052 |
| Net loans and leases to core deposits | 54.1705% | 6,292 |
| Total domestic deposits to total assets | 91.0310% | 494 |
| Equity capital to assets | 8.8226% | 5,771 |
| Core capital (leverage) ratio | 8.8775% | 4,982 |
| Tier 1 risk-based capital ratio | 17.3400% | 2,449 |
| Total risk-based capital ratio | 18.5955% | 2,412 |
| Memoranda: | ||
| Average total assets | $39,634,400 | 6,691 |
| Average earning assets | $36,858,600 | 6,647 |
| Average equity | $3,481,200 | 6,883 |
| Average total loans | $20,402,400 | 6,644 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3381% | 5,823 |
| Cost of funding earning assets | 0.5779% | 6,388 |
| Net interest margin | 3.7602% | 4,059 |
| Noninterest income to average assets | 0.7702% | 2,195 |
| Noninterest expense to average assets | 3.5012% | 1,932 |
| Loan and lease loss provision to assets | -0.0639% | 7,339 |
| Net operating income to assets | 0.8341% | 3,003 |
| Return on assets (ROA) | 0.8341% | 3,167 |
| Pretax return on assets | 0.8341% | 4,002 |
| Return on Equity (ROE) | 9.5072% | 2,388 |
| Retained earnings to average equity (ytd only) | 1.3419% | 5,468 |
| Net charge-offs to loans | -0.0065% | 6,737 |
| Credit loss provision to net charge-offs | 1,900.0000% | 141 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9685% | 1,979 |
| Assets per employee ($millions) | 3.2750% | 5,528 |
| Cash dividends to net income (ytd only)* | 85.8858% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7924% | 2,972 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3104% | 6,292 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 49.7710% | 5,735 |
| Net loans and leases to deposits | 54.7930% | 6,135 |
| Net loans and leases to core deposits | 54.7930% | 6,403 |
| Total domestic deposits to total assets | 90.8346% | 497 |
| Equity capital to assets | 8.9033% | 5,855 |
| Core capital (leverage) ratio | 8.7946% | 5,273 |
| Tier 1 risk-based capital ratio | 17.5099% | 2,441 |
| Total risk-based capital ratio | 18.7660% | 2,411 |
| Memoranda: | ||
| Average total assets | $39,642,250 | 6,746 |
| Average earning assets | $36,912,250 | 6,705 |
| Average equity | $3,478,000 | 6,942 |
| Average total loans | $20,531,250 | 6,695 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3220% | 5,949 |
| Cost of funding earning assets | 0.5989% | 6,470 |
| Net interest margin | 3.7231% | 4,160 |
| Noninterest income to average assets | 0.6942% | 2,583 |
| Noninterest expense to average assets | 3.4661% | 2,075 |
| Loan and lease loss provision to assets | -0.0956% | 7,422 |
| Net operating income to assets | 0.7948% | 3,105 |
| Return on assets (ROA) | 0.7948% | 3,227 |
| Pretax return on assets | 0.7948% | 4,053 |
| Return on Equity (ROE) | 9.1040% | 2,466 |
| Retained earnings to average equity (ytd only) | 0.4610% | 5,665 |
| Net charge-offs to loans | -0.0096% | 6,681 |
| Credit loss provision to net charge-offs | 1,900.0000% | 175 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2126% | 1,923 |
| Assets per employee ($millions) | 3.3718% | 5,277 |
| Cash dividends to net income (ytd only)* | 94.9367% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7358% | 3,205 |
| Loan loss allowance to noncurrent loans | 3,966.6667% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0222% | 7,052 |
| Noncurrent loans to loans | 0.0438% | 6,874 |
| Net loans and leases to total assets | 49.9481% | 5,830 |
| Net loans and leases to deposits | 54.7474% | 6,247 |
| Net loans and leases to core deposits | 54.7474% | 6,510 |
| Total domestic deposits to total assets | 91.2338% | 415 |
| Equity capital to assets | 8.5809% | 6,078 |
| Core capital (leverage) ratio | 8.7070% | 5,219 |
| Tier 1 risk-based capital ratio | 16.8266% | 2,600 |
| Total risk-based capital ratio | 18.0818% | 2,559 |
| Memoranda: | ||
| Average total assets | $39,756,330 | 6,793 |
| Average earning assets | $37,066,000 | 6,760 |
| Average equity | $3,471,000 | 6,991 |
| Average total loans | $20,736,000 | 6,755 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4068% | 5,667 |
| Cost of funding earning assets | 0.6342% | 6,456 |
| Net interest margin | 3.7726% | 3,749 |
| Noninterest income to average assets | 0.8832% | 1,719 |
| Noninterest expense to average assets | 3.5022% | 1,995 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8832% | 2,649 |
| Return on assets (ROA) | 0.8832% | 2,713 |
| Pretax return on assets | 0.8832% | 3,568 |
| Return on Equity (ROE) | 10.0274% | 2,081 |
| Retained earnings to average equity (ytd only) | 1.4983% | 5,216 |
| Net charge-offs to loans | -0.0384% | 6,805 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8611% | 2,562 |
| Assets per employee ($millions) | 3.2974% | 5,482 |
| Cash dividends to net income (ytd only)* | 85.0575% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8096% | 2,983 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6040% | 5,763 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 51.6970% | 5,620 |
| Net loans and leases to deposits | 56.7907% | 6,055 |
| Net loans and leases to core deposits | 56.7907% | 6,353 |
| Total domestic deposits to total assets | 91.0309% | 613 |
| Equity capital to assets | 8.7872% | 5,515 |
| Core capital (leverage) ratio | 8.8828% | 4,801 |
| Tier 1 risk-based capital ratio | 16.4087% | 2,705 |
| Total risk-based capital ratio | 17.6640% | 2,674 |
| Memoranda: | ||
| Average total assets | $39,403,500 | 6,853 |
| Average earning assets | $36,579,500 | 6,823 |
| Average equity | $3,470,500 | 7,024 |
| Average total loans | $20,820,500 | 6,800 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9273% | 4,892 |
| Cost of funding earning assets | 0.7954% | 6,587 |
| Net interest margin | 4.1318% | 2,441 |
| Noninterest income to average assets | 0.9155% | 1,792 |
| Noninterest expense to average assets | 3.6467% | 1,813 |
| Loan and lease loss provision to assets | 0.0511% | 6,645 |
| Net operating income to assets | 1.0434% | 1,898 |
| Return on assets (ROA) | 1.0434% | 1,997 |
| Pretax return on assets | 1.0434% | 2,800 |
| Return on Equity (ROE) | 11.9417% | 1,326 |
| Retained earnings to average equity (ytd only) | 3.6001% | 3,337 |
| Net charge-offs to loans | 0.0370% | 6,433 |
| Credit loss provision to net charge-offs | 250.0000% | 1,132 |
| Earnings coverage of net charge-offs (x) | 53.5000% | 439 |
| Efficiency ratio | 76.9148% | 2,887 |
| Assets per employee ($millions) | 3.0183% | 6,063 |
| Cash dividends to net income (ytd only)* | 69.8529% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8022% | 2,856 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6091% | 5,806 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 52.0745% | 5,897 |
| Net loans and leases to deposits | 57.3107% | 6,324 |
| Net loans and leases to core deposits | 57.3107% | 6,614 |
| Total domestic deposits to total assets | 90.8634% | 665 |
| Equity capital to assets | 8.8282% | 5,394 |
| Core capital (leverage) ratio | 8.8208% | 4,827 |
| Tier 1 risk-based capital ratio | 16.2774% | 2,625 |
| Total risk-based capital ratio | 17.5321% | 2,582 |
| Memoranda: | ||
| Average total assets | $39,103,800 | 6,898 |
| Average earning assets | $36,206,600 | 6,874 |
| Average equity | $3,416,600 | 7,156 |
| Average total loans | $21,625,800 | 6,846 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9964% | 4,833 |
| Cost of funding earning assets | 0.8291% | 6,657 |
| Net interest margin | 4.1674% | 2,344 |
| Noninterest income to average assets | 0.9248% | 1,711 |
| Noninterest expense to average assets | 3.6480% | 1,677 |
| Loan and lease loss provision to assets | 0.0683% | 6,387 |
| Net operating income to assets | 1.0681% | 2,011 |
| Return on assets (ROA) | 1.0681% | 2,122 |
| Pretax return on assets | 1.0681% | 2,937 |
| Return on Equity (ROE) | 12.2570% | 1,437 |
| Retained earnings to average equity (ytd only) | 4.6209% | 3,247 |
| Net charge-offs to loans | 0.0427% | 6,110 |
| Credit loss provision to net charge-offs | 285.7143% | 1,128 |
| Earnings coverage of net charge-offs (x) | 47.5874% | 589 |
| Efficiency ratio | 76.2482% | 2,896 |
| Assets per employee ($millions) | 3.0410% | 6,056 |
| Cash dividends to net income (ytd only)* | 62.2999% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7453% | 3,009 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6046% | 5,923 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 53.5451% | 5,910 |
| Net loans and leases to deposits | 58.8818% | 6,389 |
| Net loans and leases to core deposits | 62.3762% | 6,421 |
| Total domestic deposits to total assets | 90.9367% | 473 |
| Equity capital to assets | 8.7497% | 5,937 |
| Core capital (leverage) ratio | 8.7790% | 5,049 |
| Tier 1 risk-based capital ratio | 15.5804% | 2,951 |
| Total risk-based capital ratio | 16.8371% | 2,913 |
| Memoranda: | ||
| Average total assets | $39,070,250 | 6,985 |
| Average earning assets | $36,184,750 | 6,952 |
| Average equity | $3,404,750 | 7,251 |
| Average total loans | $21,830,250 | 6,918 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0515% | 4,697 |
| Cost of funding earning assets | 0.8595% | 6,730 |
| Net interest margin | 4.1920% | 2,180 |
| Noninterest income to average assets | 0.9199% | 1,618 |
| Noninterest expense to average assets | 3.6386% | 1,685 |
| Loan and lease loss provision to assets | 0.0771% | 6,171 |
| Net operating income to assets | 1.0895% | 1,890 |
| Return on assets (ROA) | 1.0895% | 1,960 |
| Pretax return on assets | 1.0895% | 2,812 |
| Return on Equity (ROE) | 12.5197% | 1,347 |
| Retained earnings to average equity (ytd only) | 5.1378% | 2,825 |
| Net charge-offs to loans | 0.0730% | 5,414 |
| Credit loss provision to net charge-offs | 187.5000% | 2,099 |
| Earnings coverage of net charge-offs (x) | 28.3750% | 952 |
| Efficiency ratio | 75.7219% | 3,119 |
| Assets per employee ($millions) | 2.9934% | 6,151 |
| Cash dividends to net income (ytd only)* | 58.9623% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6738% | 3,167 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6373% | 5,893 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 55.8539% | 5,725 |
| Net loans and leases to deposits | 61.4243% | 6,280 |
| Net loans and leases to core deposits | 61.4243% | 6,602 |
| Total domestic deposits to total assets | 90.9313% | 513 |
| Equity capital to assets | 8.8092% | 5,738 |
| Core capital (leverage) ratio | 8.7767% | 4,958 |
| Tier 1 risk-based capital ratio | 15.1400% | 3,086 |
| Total risk-based capital ratio | 16.3855% | 3,043 |
| Memoranda: | ||
| Average total assets | $38,916,000 | 7,032 |
| Average earning assets | $36,068,670 | 7,002 |
| Average equity | $3,386,670 | 7,298 |
| Average total loans | $21,925,670 | 6,966 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0710% | 4,671 |
| Cost of funding earning assets | 0.8896% | 6,812 |
| Net interest margin | 4.1813% | 2,115 |
| Noninterest income to average assets | 0.8942% | 1,650 |
| Noninterest expense to average assets | 3.5666% | 1,807 |
| Loan and lease loss provision to assets | 0.1028% | 5,598 |
| Net operating income to assets | 1.0895% | 1,866 |
| Return on assets (ROA) | 1.0895% | 1,946 |
| Pretax return on assets | 1.0895% | 2,774 |
| Return on Equity (ROE) | 12.5966% | 1,352 |
| Retained earnings to average equity (ytd only) | 5.9418% | 2,644 |
| Net charge-offs to loans | -0.0183% | 7,053 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9460% | 3,414 |
| Assets per employee ($millions) | 2.9781% | 6,262 |
| Cash dividends to net income (ytd only)* | 52.8302% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7345% | 2,946 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6406% | 5,919 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 54.7281% | 5,926 |
| Net loans and leases to deposits | 60.1351% | 6,454 |
| Net loans and leases to core deposits | 60.1351% | 6,736 |
| Total domestic deposits to total assets | 91.0087% | 542 |
| Equity capital to assets | 8.7589% | 5,628 |
| Core capital (leverage) ratio | 8.7498% | 4,940 |
| Tier 1 risk-based capital ratio | 14.6956% | 3,259 |
| Total risk-based capital ratio | 15.9523% | 3,225 |
| Memoranda: | ||
| Average total assets | $38,917,000 | 7,120 |
| Average earning assets | $35,969,500 | 7,093 |
| Average equity | $3,366,000 | 7,383 |
| Average total loans | $21,836,000 | 7,056 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5757% | 3,727 |
| Cost of funding earning assets | 1.1200% | 6,914 |
| Net interest margin | 4.4557% | 1,281 |
| Noninterest income to average assets | 0.8237% | 2,292 |
| Noninterest expense to average assets | 3.6891% | 1,937 |
| Loan and lease loss provision to assets | 0.0929% | 6,673 |
| Net operating income to assets | 1.1979% | 1,251 |
| Return on assets (ROA) | 1.1979% | 1,301 |
| Pretax return on assets | 1.1979% | 1,962 |
| Return on Equity (ROE) | 14.3926% | 724 |
| Retained earnings to average equity (ytd only) | 1.7199% | 3,876 |
| Net charge-offs to loans | 0.0404% | 6,705 |
| Credit loss provision to net charge-offs | 411.1111% | 768 |
| Earnings coverage of net charge-offs (x) | 57.1111% | 464 |
| Efficiency ratio | 74.0797% | 3,880 |
| Assets per employee ($millions) | 3.0092% | 6,204 |
| Cash dividends to net income (ytd only)* | 88.0503% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6418% | 3,117 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6212% | 5,900 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 55.5919% | 6,014 |
| Net loans and leases to deposits | 60.9143% | 6,569 |
| Net loans and leases to core deposits | 76.3374% | 6,372 |
| Total domestic deposits to total assets | 91.2626% | 448 |
| Equity capital to assets | 8.5406% | 5,826 |
| Core capital (leverage) ratio | 8.4632% | 5,338 |
| Tier 1 risk-based capital ratio | 14.1036% | 3,438 |
| Total risk-based capital ratio | 15.3573% | 3,391 |
| Memoranda: | ||
| Average total assets | $39,820,400 | 7,098 |
| Average earning assets | $37,143,600 | 7,050 |
| Average equity | $3,314,200 | 7,499 |
| Average total loans | $22,260,000 | 7,075 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6294% | 3,696 |
| Cost of funding earning assets | 1.1679% | 6,979 |
| Net interest margin | 4.4615% | 1,285 |
| Noninterest income to average assets | 0.8101% | 2,378 |
| Noninterest expense to average assets | 3.6936% | 1,835 |
| Loan and lease loss provision to assets | 0.0867% | 6,500 |
| Net operating income to assets | 1.2068% | 1,452 |
| Return on assets (ROA) | 1.2068% | 1,508 |
| Pretax return on assets | 1.2068% | 2,248 |
| Return on Equity (ROE) | 14.5926% | 824 |
| Retained earnings to average equity (ytd only) | 1.7333% | 4,342 |
| Net charge-offs to loans | 0.0359% | 6,400 |
| Credit loss provision to net charge-offs | 433.3333% | 918 |
| Earnings coverage of net charge-offs (x) | 64.6650% | 508 |
| Efficiency ratio | 74.0642% | 3,853 |
| Assets per employee ($millions) | 2.9948% | 6,169 |
| Cash dividends to net income (ytd only)* | 88.1218% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6187% | 2,923 |
| Loan loss allowance to noncurrent loans | 35,500.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.6267% | 5,883 |
| Noncurrent loans to loans | 0.0046% | 7,523 |
| Net loans and leases to total assets | 55.4197% | 6,211 |
| Net loans and leases to deposits | 60.8495% | 6,760 |
| Net loans and leases to core deposits | 76.1515% | 6,603 |
| Total domestic deposits to total assets | 91.0767% | 390 |
| Equity capital to assets | 8.5457% | 6,192 |
| Core capital (leverage) ratio | 8.4420% | 5,591 |
| Tier 1 risk-based capital ratio | 13.7394% | 3,687 |
| Total risk-based capital ratio | 14.9907% | 3,641 |
| Memoranda: | ||
| Average total assets | $39,995,750 | 7,149 |
| Average earning assets | $37,445,500 | 7,095 |
| Average equity | $3,307,500 | 7,567 |
| Average total loans | $22,297,500 | 7,137 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6178% | 3,979 |
| Cost of funding earning assets | 1.2197% | 7,047 |
| Net interest margin | 4.3981% | 1,413 |
| Noninterest income to average assets | 0.7980% | 2,422 |
| Noninterest expense to average assets | 3.5985% | 2,074 |
| Loan and lease loss provision to assets | 0.1140% | 6,006 |
| Net operating income to assets | 1.2144% | 1,441 |
| Return on assets (ROA) | 1.2144% | 1,521 |
| Pretax return on assets | 1.2144% | 2,258 |
| Return on Equity (ROE) | 14.8440% | 858 |
| Retained earnings to average equity (ytd only) | 1.9388% | 4,263 |
| Net charge-offs to loans | 0.0357% | 5,963 |
| Credit loss provision to net charge-offs | 575.0000% | 811 |
| Earnings coverage of net charge-offs (x) | 67.0000% | 547 |
| Efficiency ratio | 73.0382% | 4,184 |
| Assets per employee ($millions) | 2.8079% | 6,605 |
| Cash dividends to net income (ytd only)* | 86.9388% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5815% | 2,821 |
| Loan loss allowance to noncurrent loans | 157.3333% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.5724% | 5,987 |
| Noncurrent loans to loans | 1.0052% | 5,196 |
| Net loans and leases to total assets | 56.0417% | 6,202 |
| Net loans and leases to deposits | 61.4179% | 6,785 |
| Net loans and leases to core deposits | 77.8638% | 6,553 |
| Total domestic deposits to total assets | 91.2465% | 393 |
| Equity capital to assets | 8.4355% | 6,148 |
| Core capital (leverage) ratio | 8.2320% | 5,918 |
| Tier 1 risk-based capital ratio | 13.5347% | 3,798 |
| Total risk-based capital ratio | 14.7878% | 3,729 |
| Memoranda: | ||
| Average total assets | $40,350,330 | 7,192 |
| Average earning assets | $37,879,670 | 7,137 |
| Average equity | $3,301,000 | 7,634 |
| Average total loans | $22,419,670 | 7,187 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6373% | 4,121 |
| Cost of funding earning assets | 1.2760% | 7,096 |
| Net interest margin | 4.3614% | 1,437 |
| Noninterest income to average assets | 0.7830% | 2,412 |
| Noninterest expense to average assets | 3.5723% | 1,922 |
| Loan and lease loss provision to assets | 0.0685% | 6,091 |
| Net operating income to assets | 1.2234% | 1,586 |
| Return on assets (ROA) | 1.2234% | 1,691 |
| Pretax return on assets | 1.2234% | 2,542 |
| Return on Equity (ROE) | 15.1814% | 944 |
| Retained earnings to average equity (ytd only) | 2.4290% | 4,522 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4406% | 3,928 |
| Assets per employee ($millions) | 2.9026% | 6,408 |
| Cash dividends to net income (ytd only)* | 84.0000% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5259% | 2,834 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 54.4739% | 6,417 |
| Net loans and leases to deposits | 59.4910% | 6,933 |
| Net loans and leases to core deposits | 75.6683% | 6,700 |
| Total domestic deposits to total assets | 91.5666% | 261 |
| Equity capital to assets | 8.1283% | 6,631 |
| Core capital (leverage) ratio | 8.1628% | 6,169 |
| Tier 1 risk-based capital ratio | 13.3035% | 3,993 |
| Total risk-based capital ratio | 14.5561% | 3,912 |
| Memoranda: | ||
| Average total assets | $40,870,500 | 7,208 |
| Average earning assets | $38,245,000 | 7,157 |
| Average equity | $3,293,500 | 7,691 |
| Average total loans | $22,437,500 | 7,222 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5176% | 2,877 |
| Cost of funding earning assets | 1.8523% | 6,861 |
| Net interest margin | 4.6653% | 1,031 |
| Noninterest income to average assets | 0.8158% | 2,424 |
| Noninterest expense to average assets | 3.6687% | 2,011 |
| Loan and lease loss provision to assets | 0.0945% | 6,179 |
| Net operating income to assets | 1.4252% | 1,179 |
| Return on assets (ROA) | 1.4252% | 1,133 |
| Pretax return on assets | 1.4252% | 1,888 |
| Return on Equity (ROE) | 17.5272% | 574 |
| Retained earnings to average equity (ytd only) | 0.8565% | 4,712 |
| Net charge-offs to loans | 0.1625% | 4,572 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 16.0789% | 1,873 |
| Efficiency ratio | 70.7095% | 4,197 |
| Assets per employee ($millions) | 2.9361% | 6,205 |
| Cash dividends to net income (ytd only)* | 95.1134% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4958% | 2,719 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0414% | 7,428 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 53.6699% | 6,688 |
| Net loans and leases to deposits | 58.5996% | 7,172 |
| Net loans and leases to core deposits | 72.7798% | 7,030 |
| Total domestic deposits to total assets | 91.5874% | 194 |
| Equity capital to assets | 7.9893% | 6,857 |
| Core capital (leverage) ratio | 8.2014% | 6,163 |
| Tier 1 risk-based capital ratio | 13.2848% | 3,942 |
| Total risk-based capital ratio | 14.5388% | 3,850 |
| Memoranda: | ||
| Average total assets | $40,205,200 | 7,203 |
| Average earning assets | $37,682,400 | 7,163 |
| Average equity | $3,269,200 | 7,759 |
| Average total loans | $23,378,600 | 7,115 |