Home > The First National Bank in Marlow > Performance and Condition Ratios
The First National Bank in Marlow, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3298% | 1,435 |
| Cost of funding earning assets | 1.3429% | 2,384 |
| Net interest margin | 3.9869% | 1,229 |
| Noninterest income to average assets | 0.6500% | 1,355 |
| Noninterest expense to average assets | 3.4527% | 613 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.7676% | 2,988 |
| Return on assets (ROA) | 0.7676% | 2,964 |
| Pretax return on assets | 0.7676% | 3,292 |
| Return on Equity (ROE) | 15.9800% | 1,098 |
| Retained earnings to average equity (ytd only) | 12.2438% | 614 |
| Net charge-offs to loans | 0.0652% | 1,199 |
| Credit loss provision to net charge-offs | 225.0000% | 1,138 |
| Earnings coverage of net charge-offs (x) | 22.2500% | 1,819 |
| Efficiency ratio | 80.1719% | 906 |
| Assets per employee ($millions) | 2.8295% | 4,404 |
| Cash dividends to net income (ytd only)* | 23.3929% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4446% | 4,366 |
| Loan loss allowance to noncurrent loans | 530.7692% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.0510% | 3,253 |
| Noncurrent loans to loans | 0.0838% | 3,127 |
| Net loans and leases to total assets | 60.6800% | 2,786 |
| Net loans and leases to deposits | 81.9645% | 1,950 |
| Net loans and leases to core deposits | 88.4182% | 2,156 |
| Total domestic deposits to total assets | 74.0300% | 4,103 |
| Equity capital to assets | 5.3078% | 4,367 |
| Core capital (leverage) ratio | 7.8726% | 4,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1847% | 2,530 |
| Memoranda: | ||
| Average total assets | $72,957,800 | 4,088 |
| Average earning assets | $66,944,200 | 4,068 |
| Average equity | $3,503,800 | 4,387 |
| Average total loans | $42,932,200 | 3,951 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1,360.0000% | 38 |
| Cost of funding earning assets | 43.0000% | 27 |
| Net interest margin | 0.0000% | 4,578 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | 0.8100% | 2,986 |
| Pretax return on assets | 0.8100% | 3,312 |
| Return on Equity (ROE) | 17.3500% | 1,028 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 0.0000% | 4,602 |
| Assets per employee ($millions) | 0.2898% | 4,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| 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 | 0.0000% | 4,500 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 0.0000% | 4,578 |
| Equity capital to assets | 40,596.0000% | 11 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $3,383,000 | 4,616 |
| Average earning assets | $28,814 | 4,574 |
| Average equity | $0 | 4,568 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1041% | 1,366 |
| Cost of funding earning assets | 1.2950% | 1,723 |
| Net interest margin | 3.8091% | 1,604 |
| Noninterest income to average assets | 0.7000% | 1,120 |
| Noninterest expense to average assets | 3.3567% | 639 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 0.7119% | 3,322 |
| Return on assets (ROA) | 0.7119% | 3,319 |
| Pretax return on assets | 0.7119% | 3,580 |
| Return on Equity (ROE) | 15.1200% | 1,449 |
| Retained earnings to average equity (ytd only) | 10.7480% | 1,233 |
| Net charge-offs to loans | 0.0771% | 807 |
| Credit loss provision to net charge-offs | 268.7500% | 919 |
| Earnings coverage of net charge-offs (x) | 18.6875% | 1,758 |
| Efficiency ratio | 80.1461% | 829 |
| Assets per employee ($millions) | 3.1650% | 4,407 |
| Cash dividends to net income (ytd only)* | 28.9063% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4717% | 4,403 |
| 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 | 57.6800% | 2,989 |
| Net loans and leases to deposits | 62.0123% | 3,305 |
| Net loans and leases to core deposits | 65.7218% | 3,363 |
| Total domestic deposits to total assets | 93.0200% | 253 |
| Equity capital to assets | 4.6680% | 4,423 |
| Core capital (leverage) ratio | 7.7105% | 4,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5590% | 2,750 |
| Memoranda: | ||
| Average total assets | $71,915,333 | 4,129 |
| Average earning assets | $65,789,667 | 4,122 |
| Average equity | $3,386,667 | 4,448 |
| Average total loans | $41,478,000 | 3,992 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9993% | 1,230 |
| Cost of funding earning assets | 1.2361% | 1,368 |
| Net interest margin | 3.7632% | 1,760 |
| Noninterest income to average assets | 0.6000% | 1,426 |
| Noninterest expense to average assets | 3.2570% | 737 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 0.6660% | 3,537 |
| Return on assets (ROA) | 0.6660% | 3,492 |
| Pretax return on assets | 0.6660% | 3,727 |
| Return on Equity (ROE) | 14.0800% | 1,757 |
| Retained earnings to average equity (ytd only) | 14.0787% | 927 |
| Net charge-offs to loans | 0.0875% | 642 |
| Credit loss provision to net charge-offs | 277.7778% | 719 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,527 |
| Efficiency ratio | 80.1653% | 820 |
| Assets per employee ($millions) | 2.8868% | 4,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4550% | 4,469 |
| Loan loss allowance to noncurrent loans | 6,266.6667% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 3,865 |
| Noncurrent loans to loans | 0.0073% | 3,786 |
| Net loans and leases to total assets | 56.9900% | 2,958 |
| Net loans and leases to deposits | 67.6803% | 2,794 |
| Net loans and leases to core deposits | 71.8752% | 2,825 |
| Total domestic deposits to total assets | 84.2100% | 3,053 |
| Equity capital to assets | 4.9730% | 4,423 |
| Core capital (leverage) ratio | 7.6419% | 4,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1004% | 2,931 |
| Memoranda: | ||
| Average total assets | $71,476,000 | 4,188 |
| Average earning assets | $65,689,000 | 4,174 |
| Average equity | $3,381,000 | 4,510 |
| Average total loans | $41,122,000 | 4,050 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1866% | 1,276 |
| Cost of funding earning assets | 0.3725% | 2,309 |
| Net interest margin | 3.8141% | 1,134 |
| Noninterest income to average assets | 0.7500% | 1,126 |
| Noninterest expense to average assets | 3.7391% | 406 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.4735% | 4,125 |
| Return on assets (ROA) | 0.4735% | 4,092 |
| Pretax return on assets | 0.4735% | 4,202 |
| Return on Equity (ROE) | 7.3800% | 3,548 |
| Retained earnings to average equity (ytd only) | -8.3034% | 4,615 |
| Net charge-offs to loans | 0.0391% | 1,316 |
| Credit loss provision to net charge-offs | 142.8571% | 1,335 |
| Earnings coverage of net charge-offs (x) | 23.7143% | 1,808 |
| Efficiency ratio | 88.1259% | 355 |
| Assets per employee ($millions) | 2.8313% | 4,552 |
| Cash dividends to net income (ytd only)* | 212.5000% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4203% | 4,488 |
| Loan loss allowance to noncurrent loans | 537.5000% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.0452% | 3,358 |
| Noncurrent loans to loans | 0.0782% | 3,200 |
| Net loans and leases to total assets | 57.5700% | 2,862 |
| Net loans and leases to deposits | 73.0048% | 2,327 |
| Net loans and leases to core deposits | 78.0241% | 2,273 |
| Total domestic deposits to total assets | 78.8600% | 4,016 |
| Equity capital to assets | 4.4827% | 4,464 |
| Core capital (leverage) ratio | 7.9179% | 4,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2953% | 2,919 |
| Memoranda: | ||
| Average total assets | $65,898,200 | 4,270 |
| Average earning assets | $60,406,800 | 4,257 |
| Average equity | $4,227,200 | 4,506 |
| Average total loans | $35,838,800 | 4,140 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0542% | 1,154 |
| Cost of funding earning assets | 0.2701% | 2,484 |
| Net interest margin | 3.7841% | 973 |
| Noninterest income to average assets | 0.7100% | 1,285 |
| Noninterest expense to average assets | 3.7952% | 375 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3793% | 4,271 |
| Return on assets (ROA) | 0.3793% | 4,217 |
| Pretax return on assets | 0.3793% | 4,291 |
| Return on Equity (ROE) | 5.4600% | 3,891 |
| Retained earnings to average equity (ytd only) | 5.4629% | 2,934 |
| Net charge-offs to loans | 0.0540% | 943 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 13.1429% | 1,893 |
| Efficiency ratio | 90.9136% | 300 |
| Assets per employee ($millions) | 2.7134% | 4,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4027% | 4,541 |
| Loan loss allowance to noncurrent loans | 2,533.3333% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 3,911 |
| Noncurrent loans to loans | 0.0159% | 3,813 |
| Net loans and leases to total assets | 55.4200% | 2,959 |
| Net loans and leases to deposits | 64.3624% | 2,839 |
| Net loans and leases to core deposits | 67.4549% | 2,846 |
| Total domestic deposits to total assets | 86.1100% | 3,041 |
| Equity capital to assets | 5.2319% | 4,220 |
| Core capital (leverage) ratio | 8.9937% | 3,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $64,677,000 | 4,316 |
| Average earning assets | $59,229,250 | 4,305 |
| Average equity | $4,490,750 | 4,524 |
| Average total loans | $34,567,500 | 4,185 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8901% | 1,129 |
| Cost of funding earning assets | 0.2236% | 2,602 |
| Net interest margin | 3.6665% | 967 |
| Noninterest income to average assets | 0.6978% | 1,346 |
| Noninterest expense to average assets | 3.7627% | 334 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2861% | 4,312 |
| Return on assets (ROA) | 0.2861% | 4,261 |
| Pretax return on assets | 0.2861% | 4,313 |
| Return on Equity (ROE) | 3.7880% | 4,072 |
| Retained earnings to average equity (ytd only) | 3.7880% | 3,166 |
| Net charge-offs to loans | 0.0478% | 919 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 11.3750% | 1,732 |
| Efficiency ratio | 92.9348% | 326 |
| Assets per employee ($millions) | 2.5397% | 4,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4818% | 4,566 |
| Loan loss allowance to noncurrent loans | 15,800.0000% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 4,068 |
| Noncurrent loans to loans | 0.0030% | 3,985 |
| Net loans and leases to total assets | 51.4065% | 3,222 |
| Net loans and leases to deposits | 59.9662% | 3,049 |
| Net loans and leases to core deposits | 63.0632% | 3,028 |
| Total domestic deposits to total assets | 85.7258% | 3,318 |
| Equity capital to assets | 6.3189% | 4,095 |
| Core capital (leverage) ratio | 9.1082% | 3,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,624,667 | 4,378 |
| Average earning assets | $58,147,667 | 4,376 |
| Average equity | $4,804,667 | 4,540 |
| Average total loans | $33,507,333 | 4,255 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7824% | 1,117 |
| Cost of funding earning assets | 0.2274% | 2,440 |
| Net interest margin | 3.5550% | 975 |
| Noninterest income to average assets | 0.6783% | 1,390 |
| Noninterest expense to average assets | 3.6803% | 354 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2387% | 4,263 |
| Return on assets (ROA) | 0.2387% | 4,236 |
| Pretax return on assets | 0.2387% | 4,281 |
| Return on Equity (ROE) | 2.9225% | 4,107 |
| Retained earnings to average equity (ytd only) | 2.9225% | 3,289 |
| Net charge-offs to loans | 0.0709% | 642 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 6.3333% | 1,574 |
| Efficiency ratio | 93.9103% | 384 |
| Assets per employee ($millions) | 2.6901% | 4,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4780% | 4,607 |
| Loan loss allowance to noncurrent loans | 5,333.3333% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 4,042 |
| Noncurrent loans to loans | 0.0090% | 3,960 |
| Net loans and leases to total assets | 51.5938% | 3,018 |
| Net loans and leases to deposits | 57.3460% | 3,141 |
| Net loans and leases to core deposits | 60.1057% | 3,136 |
| Total domestic deposits to total assets | 89.9693% | 1,581 |
| Equity capital to assets | 7.3913% | 3,994 |
| Core capital (leverage) ratio | 8.9108% | 3,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,691,000 | 4,393 |
| Average earning assets | $58,059,000 | 4,404 |
| Average equity | $5,201,000 | 4,546 |
| Average total loans | $33,862,500 | 4,264 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0947% | 1,169 |
| Cost of funding earning assets | 0.2887% | 2,518 |
| Net interest margin | 3.8060% | 995 |
| Noninterest income to average assets | 0.8387% | 1,352 |
| Noninterest expense to average assets | 3.9361% | 306 |
| Loan and lease loss provision to assets | 0.0079% | 2,926 |
| Net operating income to assets | 0.2875% | 4,435 |
| Return on assets (ROA) | 0.2875% | 4,459 |
| Pretax return on assets | 0.2875% | 4,502 |
| Return on Equity (ROE) | 3.1136% | 4,340 |
| Retained earnings to average equity (ytd only) | 0.7741% | 4,311 |
| Net charge-offs to loans | 0.0516% | 1,296 |
| Credit loss provision to net charge-offs | 29.4118% | 2,237 |
| Earnings coverage of net charge-offs (x) | 10.9412% | 2,183 |
| Efficiency ratio | 93.0180% | 246 |
| Assets per employee ($millions) | 2.5128% | 4,744 |
| Cash dividends to net income (ytd only)* | 75.1381% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4846% | 4,638 |
| Loan loss allowance to noncurrent loans | 2,371.4286% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 4,040 |
| Noncurrent loans to loans | 0.0204% | 3,924 |
| Net loans and leases to total assets | 54.2646% | 2,815 |
| Net loans and leases to deposits | 61.2858% | 2,958 |
| Net loans and leases to core deposits | 64.8191% | 2,915 |
| Total domestic deposits to total assets | 88.5435% | 1,767 |
| Equity capital to assets | 8.9621% | 3,661 |
| Core capital (leverage) ratio | 8.9301% | 3,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,955,400 | 4,412 |
| Average earning assets | $56,122,000 | 4,440 |
| Average equity | $5,813,200 | 4,550 |
| Average total loans | $32,939,600 | 4,315 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1659% | 1,154 |
| Cost of funding earning assets | 0.3107% | 2,491 |
| Net interest margin | 3.8552% | 1,018 |
| Noninterest income to average assets | 0.8763% | 1,303 |
| Noninterest expense to average assets | 3.9540% | 292 |
| Loan and lease loss provision to assets | 0.0111% | 2,766 |
| Net operating income to assets | 0.3260% | 4,481 |
| Return on assets (ROA) | 0.3260% | 4,510 |
| Pretax return on assets | 0.3260% | 4,571 |
| Return on Equity (ROE) | 3.5045% | 4,385 |
| Retained earnings to average equity (ytd only) | 0.7737% | 4,459 |
| Net charge-offs to loans | 0.0491% | 1,172 |
| Credit loss provision to net charge-offs | 41.6667% | 1,907 |
| Earnings coverage of net charge-offs (x) | 13.2500% | 1,932 |
| Efficiency ratio | 92.1559% | 270 |
| Assets per employee ($millions) | 2.8016% | 4,785 |
| Cash dividends to net income (ytd only)* | 77.9221% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5096% | 4,697 |
| 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 | 51.8095% | 3,208 |
| Net loans and leases to deposits | 58.7467% | 3,342 |
| Net loans and leases to core deposits | 62.0497% | 3,318 |
| Total domestic deposits to total assets | 88.1914% | 1,722 |
| Equity capital to assets | 9.0586% | 3,775 |
| Core capital (leverage) ratio | 8.8599% | 3,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,989,250 | 4,478 |
| Average earning assets | $55,785,250 | 4,500 |
| Average equity | $5,859,000 | 4,610 |
| Average total loans | $32,610,750 | 4,381 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2710% | 1,055 |
| Cost of funding earning assets | 0.3327% | 2,467 |
| Net interest margin | 3.9383% | 910 |
| Noninterest income to average assets | 0.9311% | 1,194 |
| Noninterest expense to average assets | 4.0251% | 287 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3904% | 4,405 |
| Return on assets (ROA) | 0.3904% | 4,444 |
| Pretax return on assets | 0.3904% | 4,511 |
| Return on Equity (ROE) | 4.1593% | 4,304 |
| Retained earnings to average equity (ytd only) | 3.3411% | 3,735 |
| Net charge-offs to loans | 0.0186% | 1,575 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 40.6667% | 1,155 |
| Efficiency ratio | 91.1594% | 311 |
| Assets per employee ($millions) | 2.5414% | 4,845 |
| Cash dividends to net income (ytd only)* | 19.6721% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5337% | 4,712 |
| Loan loss allowance to noncurrent loans | 8,750.0000% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 4,308 |
| Noncurrent loans to loans | 0.0061% | 4,221 |
| Net loans and leases to total assets | 51.3284% | 3,416 |
| Net loans and leases to deposits | 58.2336% | 3,526 |
| Net loans and leases to core deposits | 61.5541% | 3,503 |
| Total domestic deposits to total assets | 88.1422% | 1,752 |
| Equity capital to assets | 9.2814% | 3,525 |
| Core capital (leverage) ratio | 9.0704% | 3,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,507,000 | 4,510 |
| Average earning assets | $55,303,333 | 4,532 |
| Average equity | $5,866,333 | 4,635 |
| Average total loans | $32,296,000 | 4,425 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8227% | 2,034 |
| Cost of funding earning assets | 0.3765% | 2,301 |
| Net interest margin | 3.4462% | 1,973 |
| Noninterest income to average assets | 0.9679% | 1,192 |
| Noninterest expense to average assets | 3.9553% | 298 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.0839% | 4,723 |
| Return on assets (ROA) | 0.0839% | 4,734 |
| Pretax return on assets | 0.0839% | 4,738 |
| Return on Equity (ROE) | 0.8887% | 4,722 |
| Retained earnings to average equity (ytd only) | -0.6153% | 4,421 |
| Net charge-offs to loans | 0.0125% | 1,502 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 1,413 |
| Efficiency ratio | 97.9233% | 216 |
| Assets per employee ($millions) | 2.2598% | 4,889 |
| Cash dividends to net income (ytd only)* | 169.2308% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5535% | 4,737 |
| Loan loss allowance to noncurrent loans | 402.2727% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.0695% | 3,876 |
| Noncurrent loans to loans | 0.1376% | 3,628 |
| Net loans and leases to total assets | 50.2552% | 3,602 |
| Net loans and leases to deposits | 57.0642% | 3,711 |
| Net loans and leases to core deposits | 60.3213% | 3,678 |
| Total domestic deposits to total assets | 88.0680% | 1,815 |
| Equity capital to assets | 9.0731% | 3,613 |
| Core capital (leverage) ratio | 9.0839% | 3,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $61,992,500 | 4,530 |
| Average earning assets | $55,249,500 | 4,546 |
| Average equity | $5,851,000 | 4,651 |
| Average total loans | $32,050,500 | 4,449 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6324% | 1,036 |
| Cost of funding earning assets | 0.6352% | 2,087 |
| Net interest margin | 3.9971% | 976 |
| Noninterest income to average assets | 0.7858% | 1,574 |
| Noninterest expense to average assets | 3.9922% | 384 |
| Loan and lease loss provision to assets | 0.0414% | 3,880 |
| Net operating income to assets | 0.3929% | 4,260 |
| Return on assets (ROA) | 0.3946% | 4,337 |
| Pretax return on assets | 0.3946% | 4,431 |
| Return on Equity (ROE) | 4.0062% | 4,157 |
| Retained earnings to average equity (ytd only) | -0.3703% | 4,572 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1873% | 372 |
| Assets per employee ($millions) | 2.2485% | 4,907 |
| Cash dividends to net income (ytd only)* | 109.2437% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5541% | 4,754 |
| Loan loss allowance to noncurrent loans | 395.5556% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.0741% | 3,966 |
| Noncurrent loans to loans | 0.1401% | 3,723 |
| Net loans and leases to total assets | 52.6223% | 3,622 |
| Net loans and leases to deposits | 60.2523% | 3,739 |
| Net loans and leases to core deposits | 63.8685% | 3,699 |
| Total domestic deposits to total assets | 87.3365% | 1,769 |
| Equity capital to assets | 9.8188% | 3,298 |
| Core capital (leverage) ratio | 9.1947% | 3,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $60,317,200 | 4,511 |
| Average earning assets | $54,939,400 | 4,511 |
| Average equity | $5,940,800 | 4,652 |
| Average total loans | $34,498,400 | 4,419 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7645% | 936 |
| Cost of funding earning assets | 0.6931% | 2,065 |
| Net interest margin | 4.0713% | 946 |
| Noninterest income to average assets | 0.8192% | 1,423 |
| Noninterest expense to average assets | 3.9986% | 375 |
| Loan and lease loss provision to assets | 0.0548% | 3,668 |
| Net operating income to assets | 0.4716% | 4,113 |
| Return on assets (ROA) | 0.4738% | 4,180 |
| Pretax return on assets | 0.4738% | 4,331 |
| Return on Equity (ROE) | 4.8069% | 3,942 |
| Retained earnings to average equity (ytd only) | 1.0782% | 4,232 |
| Net charge-offs to loans | -0.0038% | 3,994 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3562% | 407 |
| Assets per employee ($millions) | 2.3066% | 4,935 |
| Cash dividends to net income (ytd only)* | 77.5701% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5304% | 4,789 |
| Loan loss allowance to noncurrent loans | 416.2791% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.0690% | 4,093 |
| Noncurrent loans to loans | 0.1274% | 3,874 |
| Net loans and leases to total assets | 53.9019% | 3,812 |
| Net loans and leases to deposits | 61.7168% | 3,946 |
| Net loans and leases to core deposits | 64.9492% | 3,956 |
| Total domestic deposits to total assets | 87.3374% | 1,526 |
| Equity capital to assets | 9.6856% | 3,531 |
| Core capital (leverage) ratio | 9.1100% | 3,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $60,219,000 | 4,530 |
| Average earning assets | $54,821,000 | 4,530 |
| Average equity | $5,935,750 | 4,673 |
| Average total loans | $35,091,750 | 4,436 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0459% | 764 |
| Cost of funding earning assets | 0.7763% | 1,958 |
| Net interest margin | 4.2696% | 800 |
| Noninterest income to average assets | 0.8802% | 1,216 |
| Noninterest expense to average assets | 4.1423% | 348 |
| Loan and lease loss provision to assets | 0.0840% | 3,229 |
| Net operating income to assets | 0.5342% | 3,921 |
| Return on assets (ROA) | 0.5375% | 3,992 |
| Pretax return on assets | 0.5375% | 4,180 |
| Return on Equity (ROE) | 5.4204% | 3,712 |
| Retained earnings to average equity (ytd only) | 3.5910% | 3,130 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0148% | 497 |
| Assets per employee ($millions) | 2.3064% | 4,969 |
| Cash dividends to net income (ytd only)* | 33.7500% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5075% | 4,826 |
| Loan loss allowance to noncurrent loans | 423.8095% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.1413% | 3,811 |
| Noncurrent loans to loans | 0.1198% | 3,971 |
| Net loans and leases to total assets | 56.0348% | 3,682 |
| Net loans and leases to deposits | 64.1457% | 3,872 |
| Net loans and leases to core deposits | 67.4932% | 3,889 |
| Total domestic deposits to total assets | 87.3555% | 1,471 |
| Equity capital to assets | 9.7893% | 3,379 |
| Core capital (leverage) ratio | 9.5339% | 3,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,532,667 | 4,551 |
| Average earning assets | $54,103,333 | 4,547 |
| Average equity | $5,903,667 | 4,698 |
| Average total loans | $35,539,667 | 4,442 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0355% | 899 |
| Cost of funding earning assets | 0.8569% | 2,081 |
| Net interest margin | 4.1785% | 966 |
| Noninterest income to average assets | 0.8665% | 1,132 |
| Noninterest expense to average assets | 4.2295% | 405 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4264% | 4,074 |
| Return on assets (ROA) | 0.4264% | 4,116 |
| Pretax return on assets | 0.4264% | 4,250 |
| Return on Equity (ROE) | 4.2703% | 3,880 |
| Retained earnings to average equity (ytd only) | 0.6199% | 3,839 |
| Net charge-offs to loans | -0.0224% | 4,369 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8419% | 466 |
| Assets per employee ($millions) | 2.1640% | 5,010 |
| Cash dividends to net income (ytd only)* | 85.4839% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4400% | 4,925 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3286% | 3,132 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 60.4186% | 3,454 |
| Net loans and leases to deposits | 69.4716% | 3,632 |
| Net loans and leases to core deposits | 73.3472% | 3,680 |
| Total domestic deposits to total assets | 86.9688% | 1,570 |
| Equity capital to assets | 9.9745% | 3,812 |
| Core capital (leverage) ratio | 9.7128% | 3,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,163,000 | 4,577 |
| Average earning assets | $52,746,000 | 4,587 |
| Average equity | $5,807,500 | 4,749 |
| Average total loans | $35,773,500 | 4,457 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4286% | 629 |
| Cost of funding earning assets | 0.9249% | 2,085 |
| Net interest margin | 4.5036% | 712 |
| Noninterest income to average assets | 0.9025% | 1,173 |
| Noninterest expense to average assets | 4.3154% | 370 |
| Loan and lease loss provision to assets | 0.0514% | 2,995 |
| Net operating income to assets | 0.6131% | 4,119 |
| Return on assets (ROA) | 0.6131% | 4,181 |
| Pretax return on assets | 0.6131% | 4,392 |
| Return on Equity (ROE) | 6.2807% | 3,826 |
| Retained earnings to average equity (ytd only) | 0.8596% | 4,430 |
| Net charge-offs to loans | 0.0863% | 1,887 |
| Credit loss provision to net charge-offs | 93.7500% | 2,607 |
| Earnings coverage of net charge-offs (x) | 12.1250% | 2,433 |
| Efficiency ratio | 86.6575% | 508 |
| Assets per employee ($millions) | 2.0678% | 5,074 |
| Cash dividends to net income (ytd only)* | 86.3128% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4240% | 4,969 |
| Loan loss allowance to noncurrent loans | 900.0000% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.3610% | 2,955 |
| Noncurrent loans to loans | 0.0471% | 4,366 |
| Net loans and leases to total assets | 62.0688% | 3,390 |
| Net loans and leases to deposits | 71.3724% | 3,559 |
| Net loans and leases to core deposits | 75.3770% | 3,619 |
| Total domestic deposits to total assets | 86.9648% | 1,627 |
| Equity capital to assets | 9.9953% | 3,925 |
| Core capital (leverage) ratio | 9.7553% | 3,784 |
| Tier 1 risk-based capital ratio | 14.1017% | 3,213 |
| Total risk-based capital ratio | 14.4814% | 3,555 |
| Memoranda: | ||
| Average total assets | $58,395,600 | 4,620 |
| Average earning assets | $52,868,600 | 4,627 |
| Average equity | $5,700,000 | 4,796 |
| Average total loans | $37,088,600 | 4,475 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4242% | 668 |
| Cost of funding earning assets | 0.9267% | 2,102 |
| Net interest margin | 4.4975% | 772 |
| Noninterest income to average assets | 0.9250% | 1,093 |
| Noninterest expense to average assets | 4.2947% | 365 |
| Loan and lease loss provision to assets | 0.0684% | 2,511 |
| Net operating income to assets | 0.6311% | 4,212 |
| Return on assets (ROA) | 0.6311% | 4,261 |
| Pretax return on assets | 0.6311% | 4,489 |
| Return on Equity (ROE) | 6.5041% | 3,881 |
| Retained earnings to average equity (ytd only) | 2.3481% | 4,157 |
| Net charge-offs to loans | -0.0107% | 4,394 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9945% | 503 |
| Assets per employee ($millions) | 1.9774% | 5,164 |
| Cash dividends to net income (ytd only)* | 63.8985% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5133% | 4,957 |
| Loan loss allowance to noncurrent loans | 65.0519% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 0.5929% | 2,226 |
| Noncurrent loans to loans | 0.7891% | 1,999 |
| Net loans and leases to total assets | 63.5376% | 3,331 |
| Net loans and leases to deposits | 73.2907% | 3,535 |
| Net loans and leases to core deposits | 77.4340% | 3,595 |
| Total domestic deposits to total assets | 86.6926% | 1,685 |
| Equity capital to assets | 10.1510% | 3,867 |
| Core capital (leverage) ratio | 9.8841% | 3,754 |
| Tier 1 risk-based capital ratio | 13.4281% | 3,615 |
| Total risk-based capital ratio | 13.8685% | 3,948 |
| Memoranda: | ||
| Average total assets | $58,520,250 | 4,683 |
| Average earning assets | $52,946,500 | 4,692 |
| Average equity | $5,678,250 | 4,860 |
| Average total loans | $37,338,500 | 4,527 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4333% | 638 |
| Cost of funding earning assets | 0.9350% | 1,980 |
| Net interest margin | 4.4983% | 774 |
| Noninterest income to average assets | 0.9404% | 983 |
| Noninterest expense to average assets | 4.3183% | 366 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6892% | 4,037 |
| Return on assets (ROA) | 0.6892% | 4,095 |
| Pretax return on assets | 0.6892% | 4,357 |
| Return on Equity (ROE) | 7.2105% | 3,597 |
| Retained earnings to average equity (ytd only) | 2.8416% | 3,787 |
| Net charge-offs to loans | 0.0213% | 2,426 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 50.7500% | 1,081 |
| Efficiency ratio | 86.2373% | 535 |
| Assets per employee ($millions) | 1.9141% | 5,218 |
| Cash dividends to net income (ytd only)* | 60.5911% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4075% | 5,098 |
| Loan loss allowance to noncurrent loans | 296.0784% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.2125% | 3,728 |
| Noncurrent loans to loans | 0.1376% | 4,063 |
| Net loans and leases to total assets | 64.2739% | 3,310 |
| Net loans and leases to deposits | 73.9165% | 3,526 |
| Net loans and leases to core deposits | 79.0660% | 3,501 |
| Total domestic deposits to total assets | 86.9547% | 1,614 |
| Equity capital to assets | 10.0326% | 3,948 |
| Core capital (leverage) ratio | 9.8670% | 3,742 |
| Tier 1 risk-based capital ratio | 14.0186% | 3,312 |
| Total risk-based capital ratio | 14.3891% | 3,672 |
| Memoranda: | ||
| Average total assets | $58,912,330 | 4,708 |
| Average earning assets | $53,264,330 | 4,722 |
| Average equity | $5,630,670 | 4,898 |
| Average total loans | $37,577,000 | 4,557 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4117% | 617 |
| Cost of funding earning assets | 0.9576% | 1,757 |
| Net interest margin | 4.4541% | 808 |
| Noninterest income to average assets | 0.7778% | 1,339 |
| Noninterest expense to average assets | 4.2644% | 373 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5364% | 4,420 |
| Return on assets (ROA) | 0.5364% | 4,446 |
| Pretax return on assets | 0.5364% | 4,610 |
| Return on Equity (ROE) | 5.7497% | 4,098 |
| Retained earnings to average equity (ytd only) | 3.3780% | 3,567 |
| Net charge-offs to loans | -0.0211% | 4,508 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8268% | 442 |
| Assets per employee ($millions) | 1.9731% | 5,273 |
| Cash dividends to net income (ytd only)* | 41.2500% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4195% | 5,156 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1199% | 4,209 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 62.9652% | 3,404 |
| Net loans and leases to deposits | 75.2721% | 3,326 |
| Net loans and leases to core deposits | 80.5442% | 3,316 |
| Total domestic deposits to total assets | 83.6501% | 3,169 |
| Equity capital to assets | 9.5315% | 4,229 |
| Core capital (leverage) ratio | 9.5849% | 4,036 |
| Tier 1 risk-based capital ratio | 13.6002% | 3,554 |
| Total risk-based capital ratio | 13.9762% | 3,924 |
| Memoranda: | ||
| Average total assets | $59,657,000 | 4,752 |
| Average earning assets | $53,883,000 | 4,766 |
| Average equity | $5,565,500 | 4,951 |
| Average total loans | $37,836,000 | 4,597 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2156% | 680 |
| Cost of funding earning assets | 0.7727% | 1,673 |
| Net interest margin | 4.4428% | 856 |
| Noninterest income to average assets | 0.8622% | 1,285 |
| Noninterest expense to average assets | 4.2476% | 385 |
| Loan and lease loss provision to assets | 0.0130% | 3,882 |
| Net operating income to assets | 0.6328% | 4,327 |
| Return on assets (ROA) | 0.6328% | 4,334 |
| Pretax return on assets | 0.6328% | 4,572 |
| Return on Equity (ROE) | 7.0433% | 3,807 |
| Retained earnings to average equity (ytd only) | 0.4164% | 4,872 |
| Net charge-offs to loans | 0.0772% | 2,023 |
| Credit loss provision to net charge-offs | 27.5862% | 3,362 |
| Earnings coverage of net charge-offs (x) | 13.6897% | 2,430 |
| Efficiency ratio | 86.8019% | 486 |
| Assets per employee ($millions) | 2.0040% | 5,311 |
| Cash dividends to net income (ytd only)* | 94.0874% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4053% | 5,207 |
| Loan loss allowance to noncurrent loans | 83.3333% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 0.3942% | 2,981 |
| Noncurrent loans to loans | 0.4864% | 2,816 |
| Net loans and leases to total assets | 63.3539% | 3,421 |
| Net loans and leases to deposits | 77.7882% | 3,190 |
| Net loans and leases to core deposits | 82.8346% | 3,195 |
| Total domestic deposits to total assets | 81.4441% | 3,800 |
| Equity capital to assets | 9.1299% | 4,464 |
| Core capital (leverage) ratio | 9.3249% | 4,332 |
| Tier 1 risk-based capital ratio | 13.2227% | 3,706 |
| Total risk-based capital ratio | 13.5866% | 4,101 |
| Memoranda: | ||
| Average total assets | $61,469,600 | 4,735 |
| Average earning assets | $55,775,400 | 4,752 |
| Average equity | $5,523,000 | 4,967 |
| Average total loans | $37,588,000 | 4,622 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1167% | 734 |
| Cost of funding earning assets | 0.7272% | 1,703 |
| Net interest margin | 4.3895% | 920 |
| Noninterest income to average assets | 0.8650% | 1,300 |
| Noninterest expense to average assets | 4.2475% | 374 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6019% | 4,497 |
| Return on assets (ROA) | 0.6019% | 4,506 |
| Pretax return on assets | 0.6019% | 4,725 |
| Return on Equity (ROE) | 6.7249% | 4,026 |
| Retained earnings to average equity (ytd only) | 1.3497% | 4,762 |
| Net charge-offs to loans | 0.0214% | 2,710 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 46.4988% | 1,231 |
| Efficiency ratio | 87.5890% | 427 |
| Assets per employee ($millions) | 2.1704% | 5,350 |
| Cash dividends to net income (ytd only)* | 79.9296% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4482% | 5,244 |
| Loan loss allowance to noncurrent loans | 83.7438% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 0.4180% | 3,020 |
| Noncurrent loans to loans | 0.5353% | 2,779 |
| Net loans and leases to total assets | 62.1283% | 3,646 |
| Net loans and leases to deposits | 77.0798% | 3,312 |
| Net loans and leases to core deposits | 82.0640% | 3,321 |
| Total domestic deposits to total assets | 80.6026% | 3,977 |
| Equity capital to assets | 9.0487% | 4,506 |
| Core capital (leverage) ratio | 9.3115% | 4,386 |
| Tier 1 risk-based capital ratio | 13.1138% | 3,839 |
| Total risk-based capital ratio | 13.5074% | 4,233 |
| Memoranda: | ||
| Average total assets | $61,806,750 | 4,775 |
| Average earning assets | $56,102,750 | 4,801 |
| Average equity | $5,531,500 | 5,023 |
| Average total loans | $37,424,000 | 4,675 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9840% | 854 |
| Cost of funding earning assets | 0.6912% | 1,672 |
| Net interest margin | 4.2928% | 1,048 |
| Noninterest income to average assets | 0.8881% | 1,215 |
| Noninterest expense to average assets | 4.2283% | 398 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5567% | 4,613 |
| Return on assets (ROA) | 0.5567% | 4,613 |
| Pretax return on assets | 0.5567% | 4,802 |
| Return on Equity (ROE) | 6.2429% | 4,153 |
| Retained earnings to average equity (ytd only) | 1.5878% | 4,612 |
| Net charge-offs to loans | 0.0215% | 2,453 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 43.2500% | 1,240 |
| Efficiency ratio | 88.3658% | 445 |
| Assets per employee ($millions) | 2.1336% | 5,426 |
| Cash dividends to net income (ytd only)* | 74.5665% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4663% | 5,301 |
| Loan loss allowance to noncurrent loans | 477.7778% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.1406% | 4,282 |
| Noncurrent loans to loans | 0.0976% | 4,477 |
| Net loans and leases to total assets | 59.3351% | 3,870 |
| Net loans and leases to deposits | 75.2995% | 3,411 |
| Net loans and leases to core deposits | 80.1804% | 3,408 |
| Total domestic deposits to total assets | 78.7988% | 4,462 |
| Equity capital to assets | 8.9117% | 4,629 |
| Core capital (leverage) ratio | 9.1801% | 4,488 |
| Tier 1 risk-based capital ratio | 13.3112% | 3,727 |
| Total risk-based capital ratio | 13.7163% | 4,102 |
| Memoranda: | ||
| Average total assets | $62,152,000 | 4,829 |
| Average earning assets | $56,420,000 | 4,851 |
| Average equity | $5,542,330 | 5,071 |
| Average total loans | $37,256,670 | 4,723 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8233% | 1,024 |
| Cost of funding earning assets | 0.6648% | 1,630 |
| Net interest margin | 4.1585% | 1,275 |
| Noninterest income to average assets | 0.9183% | 1,098 |
| Noninterest expense to average assets | 4.2253% | 395 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4688% | 4,772 |
| Return on assets (ROA) | 0.4688% | 4,774 |
| Pretax return on assets | 0.4688% | 4,925 |
| Return on Equity (ROE) | 5.2551% | 4,400 |
| Retained earnings to average equity (ytd only) | 1.2958% | 4,546 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0137% | 445 |
| Assets per employee ($millions) | 2.1535% | 5,481 |
| Cash dividends to net income (ytd only)* | 75.3425% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4698% | 5,366 |
| Loan loss allowance to noncurrent loans | 352.0000% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.2930% | 3,687 |
| Noncurrent loans to loans | 0.1335% | 4,371 |
| Net loans and leases to total assets | 59.7028% | 3,779 |
| Net loans and leases to deposits | 75.8303% | 3,232 |
| Net loans and leases to core deposits | 80.0812% | 3,317 |
| Total domestic deposits to total assets | 78.7321% | 4,619 |
| Equity capital to assets | 8.8405% | 4,713 |
| Core capital (leverage) ratio | 9.0402% | 4,633 |
| Tier 1 risk-based capital ratio | 13.1919% | 3,854 |
| Total risk-based capital ratio | 13.6045% | 4,230 |
| Memoranda: | ||
| Average total assets | $62,291,000 | 4,887 |
| Average earning assets | $56,559,000 | 4,899 |
| Average equity | $5,556,500 | 5,126 |
| Average total loans | $37,442,500 | 4,767 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8598% | 874 |
| Cost of funding earning assets | 0.6170% | 1,492 |
| Net interest margin | 4.2429% | 1,094 |
| Noninterest income to average assets | 0.9190% | 1,218 |
| Noninterest expense to average assets | 4.1835% | 421 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5780% | 4,102 |
| Return on assets (ROA) | 0.5812% | 4,135 |
| Pretax return on assets | 0.5812% | 4,780 |
| Return on Equity (ROE) | 6.3606% | 3,600 |
| Retained earnings to average equity (ytd only) | 0.3855% | 4,874 |
| Net charge-offs to loans | 0.0217% | 3,378 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 45.1250% | 1,173 |
| Efficiency ratio | 87.8615% | 540 |
| Assets per employee ($millions) | 2.2190% | 5,536 |
| Cash dividends to net income (ytd only)* | 93.9394% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4703% | 5,424 |
| Loan loss allowance to noncurrent loans | 345.0980% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.2672% | 3,820 |
| Noncurrent loans to loans | 0.1363% | 4,380 |
| Net loans and leases to total assets | 59.9507% | 3,838 |
| Net loans and leases to deposits | 78.9487% | 3,018 |
| Net loans and leases to core deposits | 82.6393% | 3,184 |
| Total domestic deposits to total assets | 75.9363% | 4,983 |
| Equity capital to assets | 9.0003% | 4,722 |
| Core capital (leverage) ratio | 9.0340% | 4,610 |
| Tier 1 risk-based capital ratio | 12.5731% | 4,164 |
| Total risk-based capital ratio | 12.9677% | 4,587 |
| Memoranda: | ||
| Average total assets | $62,459,200 | 4,915 |
| Average earning assets | $56,565,600 | 4,937 |
| Average equity | $5,707,000 | 5,146 |
| Average total loans | $36,892,800 | 4,823 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8130% | 906 |
| Cost of funding earning assets | 0.6260% | 1,373 |
| Net interest margin | 4.1869% | 1,180 |
| Noninterest income to average assets | 0.9103% | 1,239 |
| Noninterest expense to average assets | 4.1380% | 435 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5649% | 4,528 |
| Return on assets (ROA) | 0.5692% | 4,549 |
| Pretax return on assets | 0.5692% | 4,893 |
| Return on Equity (ROE) | 6.2065% | 4,027 |
| Retained earnings to average equity (ytd only) | 1.3017% | 4,886 |
| Net charge-offs to loans | 0.0109% | 3,337 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 88.3300% | 754 |
| Efficiency ratio | 87.9873% | 510 |
| Assets per employee ($millions) | 2.0547% | 5,622 |
| Cash dividends to net income (ytd only)* | 79.0275% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4946% | 5,477 |
| Loan loss allowance to noncurrent loans | 174.0385% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.4494% | 3,234 |
| Noncurrent loans to loans | 0.2842% | 3,931 |
| Net loans and leases to total assets | 59.0717% | 3,957 |
| Net loans and leases to deposits | 76.6477% | 3,309 |
| Net loans and leases to core deposits | 80.1960% | 3,440 |
| Total domestic deposits to total assets | 77.0692% | 4,876 |
| Equity capital to assets | 9.3459% | 4,595 |
| Core capital (leverage) ratio | 9.1496% | 4,569 |
| Tier 1 risk-based capital ratio | 12.9914% | 4,015 |
| Total risk-based capital ratio | 13.4081% | 4,417 |
| Memoranda: | ||
| Average total assets | $62,541,250 | 4,965 |
| Average earning assets | $56,651,000 | 4,992 |
| Average equity | $5,735,750 | 5,200 |
| Average total loans | $36,760,000 | 4,875 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7710% | 918 |
| Cost of funding earning assets | 0.6047% | 1,413 |
| Net interest margin | 4.1663% | 1,154 |
| Noninterest income to average assets | 0.9357% | 1,166 |
| Noninterest expense to average assets | 4.1247% | 454 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5824% | 4,380 |
| Return on assets (ROA) | 0.5888% | 4,407 |
| Pretax return on assets | 0.5888% | 4,830 |
| Return on Equity (ROE) | 6.4603% | 3,849 |
| Retained earnings to average equity (ytd only) | 1.5365% | 4,631 |
| Net charge-offs to loans | 0.0163% | 2,918 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 61.0000% | 941 |
| Efficiency ratio | 87.6268% | 566 |
| Assets per employee ($millions) | 2.2361% | 5,634 |
| Cash dividends to net income (ytd only)* | 76.2162% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4949% | 5,524 |
| Loan loss allowance to noncurrent loans | 244.5946% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.4616% | 3,266 |
| Noncurrent loans to loans | 0.2023% | 4,306 |
| Net loans and leases to total assets | 58.1198% | 4,018 |
| Net loans and leases to deposits | 75.6172% | 3,385 |
| Net loans and leases to core deposits | 78.0466% | 3,595 |
| Total domestic deposits to total assets | 76.8607% | 4,979 |
| Equity capital to assets | 9.1899% | 4,727 |
| Core capital (leverage) ratio | 9.0916% | 4,626 |
| Tier 1 risk-based capital ratio | 12.7501% | 4,152 |
| Total risk-based capital ratio | 13.1598% | 4,590 |
| Memoranda: | ||
| Average total assets | $62,841,000 | 5,000 |
| Average earning assets | $56,885,000 | 5,025 |
| Average equity | $5,727,330 | 5,233 |
| Average total loans | $36,815,330 | 4,904 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6015% | 1,143 |
| Cost of funding earning assets | 0.6121% | 1,287 |
| Net interest margin | 3.9894% | 1,495 |
| Noninterest income to average assets | 0.9721% | 1,055 |
| Noninterest expense to average assets | 3.9965% | 543 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5782% | 4,245 |
| Return on assets (ROA) | 0.5782% | 4,291 |
| Pretax return on assets | 0.5782% | 4,780 |
| Return on Equity (ROE) | 6.3703% | 3,731 |
| Retained earnings to average equity (ytd only) | 6.3703% | 2,151 |
| Net charge-offs to loans | 0.0433% | 1,968 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 22.7500% | 1,409 |
| Efficiency ratio | 87.3611% | 709 |
| Assets per employee ($millions) | 2.2112% | 5,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4937% | 5,599 |
| Loan loss allowance to noncurrent loans | 243.2432% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.3989% | 3,601 |
| Noncurrent loans to loans | 0.2030% | 4,395 |
| Net loans and leases to total assets | 58.5990% | 3,924 |
| Net loans and leases to deposits | 75.0833% | 3,292 |
| Net loans and leases to core deposits | 77.4772% | 3,517 |
| Total domestic deposits to total assets | 78.0454% | 4,960 |
| Equity capital to assets | 9.3371% | 4,454 |
| Core capital (leverage) ratio | 9.0577% | 4,668 |
| Tier 1 risk-based capital ratio | 12.8959% | 4,147 |
| Total risk-based capital ratio | 13.3046% | 4,573 |
| Memoranda: | ||
| Average total assets | $62,955,500 | 5,051 |
| Average earning assets | $56,850,500 | 5,081 |
| Average equity | $5,714,000 | 5,281 |
| Average total loans | $36,937,500 | 4,947 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7640% | 939 |
| Cost of funding earning assets | 0.5808% | 1,480 |
| Net interest margin | 4.1832% | 1,157 |
| Noninterest income to average assets | 0.8775% | 1,489 |
| Noninterest expense to average assets | 4.0642% | 551 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6122% | 4,157 |
| Return on assets (ROA) | 0.7017% | 3,882 |
| Pretax return on assets | 0.7017% | 4,483 |
| Return on Equity (ROE) | 7.7026% | 3,114 |
| Retained earnings to average equity (ytd only) | 1.7060% | 4,558 |
| Net charge-offs to loans | 0.0680% | 2,723 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 15.6000% | 2,192 |
| Efficiency ratio | 86.9084% | 758 |
| Assets per employee ($millions) | 2.1332% | 5,771 |
| Cash dividends to net income (ytd only)* | 77.8523% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4918% | 5,667 |
| Loan loss allowance to noncurrent loans | 391.4894% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.3438% | 3,907 |
| Noncurrent loans to loans | 0.1256% | 4,737 |
| Net loans and leases to total assets | 58.1746% | 4,053 |
| Net loans and leases to deposits | 78.6854% | 3,019 |
| Net loans and leases to core deposits | 78.6854% | 3,511 |
| Total domestic deposits to total assets | 73.9332% | 5,446 |
| Equity capital to assets | 8.8239% | 4,990 |
| Core capital (leverage) ratio | 8.7528% | 5,023 |
| Tier 1 risk-based capital ratio | 13.0297% | 4,050 |
| Total risk-based capital ratio | 13.4588% | 4,450 |
| Memoranda: | ||
| Average total assets | $63,702,200 | 5,057 |
| Average earning assets | $57,850,000 | 5,074 |
| Average equity | $5,803,200 | 5,311 |
| Average total loans | $36,771,600 | 4,991 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7716% | 950 |
| Cost of funding earning assets | 0.5870% | 1,437 |
| Net interest margin | 4.1846% | 1,165 |
| Noninterest income to average assets | 0.8633% | 1,534 |
| Noninterest expense to average assets | 4.0798% | 535 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5930% | 4,320 |
| Return on assets (ROA) | 0.7041% | 3,956 |
| Pretax return on assets | 0.7041% | 4,598 |
| Return on Equity (ROE) | 7.6681% | 3,207 |
| Retained earnings to average equity (ytd only) | 1.5975% | 4,871 |
| Net charge-offs to loans | 0.0182% | 3,352 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 56.5697% | 999 |
| Efficiency ratio | 87.3094% | 718 |
| Assets per employee ($millions) | 2.2731% | 5,809 |
| Cash dividends to net income (ytd only)* | 79.1669% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5483% | 5,671 |
| Loan loss allowance to noncurrent loans | 2,266.6667% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.3142% | 4,152 |
| Noncurrent loans to loans | 0.0242% | 5,286 |
| Net loans and leases to total assets | 58.1394% | 4,081 |
| Net loans and leases to deposits | 75.7239% | 3,428 |
| Net loans and leases to core deposits | 75.7239% | 3,871 |
| Total domestic deposits to total assets | 76.7782% | 5,126 |
| Equity capital to assets | 9.2432% | 4,932 |
| Core capital (leverage) ratio | 8.7494% | 5,100 |
| Tier 1 risk-based capital ratio | 13.4576% | 3,885 |
| Total risk-based capital ratio | 13.9516% | 4,250 |
| Memoranda: | ||
| Average total assets | $63,628,500 | 5,104 |
| Average earning assets | $57,924,750 | 5,119 |
| Average equity | $5,842,250 | 5,361 |
| Average total loans | $36,611,000 | 5,038 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7537% | 950 |
| Cost of funding earning assets | 0.5727% | 1,529 |
| Net interest margin | 4.1810% | 1,158 |
| Noninterest income to average assets | 0.8550% | 1,526 |
| Noninterest expense to average assets | 4.0332% | 566 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6319% | 4,136 |
| Return on assets (ROA) | 0.7890% | 3,510 |
| Pretax return on assets | 0.7890% | 4,326 |
| Return on Equity (ROE) | 8.6126% | 2,689 |
| Retained earnings to average equity (ytd only) | 2.2647% | 4,436 |
| Net charge-offs to loans | -0.0055% | 4,548 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4555% | 841 |
| Assets per employee ($millions) | 2.1288% | 5,911 |
| Cash dividends to net income (ytd only)* | 73.7052% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5647% | 5,727 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2114% | 4,649 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 57.9005% | 4,126 |
| Net loans and leases to deposits | 74.2167% | 3,569 |
| Net loans and leases to core deposits | 74.2167% | 3,967 |
| Total domestic deposits to total assets | 78.0154% | 4,998 |
| Equity capital to assets | 9.2417% | 5,030 |
| Core capital (leverage) ratio | 8.5470% | 5,325 |
| Tier 1 risk-based capital ratio | 12.5355% | 4,491 |
| Total risk-based capital ratio | 13.0095% | 4,879 |
| Memoranda: | ||
| Average total assets | $63,622,330 | 5,157 |
| Average earning assets | $57,976,000 | 5,171 |
| Average equity | $5,828,670 | 5,416 |
| Average total loans | $36,412,000 | 5,093 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7946% | 859 |
| Cost of funding earning assets | 0.5665% | 1,570 |
| Net interest margin | 4.2281% | 1,044 |
| Noninterest income to average assets | 0.8378% | 1,484 |
| Noninterest expense to average assets | 4.0818% | 560 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6110% | 4,128 |
| Return on assets (ROA) | 0.6740% | 3,976 |
| Pretax return on assets | 0.6740% | 4,612 |
| Return on Equity (ROE) | 7.3895% | 3,249 |
| Retained earnings to average equity (ytd only) | 7.3895% | 1,711 |
| Net charge-offs to loans | -0.0222% | 4,905 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9799% | 890 |
| Assets per employee ($millions) | 2.1785% | 5,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5932% | 5,755 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2501% | 4,556 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 55.9682% | 4,259 |
| Net loans and leases to deposits | 70.2208% | 3,839 |
| Net loans and leases to core deposits | 70.2208% | 4,230 |
| Total domestic deposits to total assets | 79.7031% | 4,816 |
| Equity capital to assets | 9.3483% | 4,841 |
| Core capital (leverage) ratio | 8.8305% | 5,050 |
| Tier 1 risk-based capital ratio | 13.0365% | 4,245 |
| Total risk-based capital ratio | 13.5281% | 4,636 |
| Memoranda: | ||
| Average total assets | $63,502,000 | 5,209 |
| Average earning assets | $57,898,500 | 5,220 |
| Average equity | $5,792,000 | 5,455 |
| Average total loans | $36,024,500 | 5,144 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8511% | 847 |
| Cost of funding earning assets | 0.5764% | 1,535 |
| Net interest margin | 4.2747% | 1,011 |
| Noninterest income to average assets | 0.9756% | 1,246 |
| Noninterest expense to average assets | 3.9840% | 687 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8833% | 2,967 |
| Return on assets (ROA) | 0.9371% | 2,757 |
| Pretax return on assets | 0.9371% | 3,703 |
| Return on Equity (ROE) | 10.5659% | 1,774 |
| Retained earnings to average equity (ytd only) | 1.4747% | 4,886 |
| Net charge-offs to loans | 0.0503% | 3,194 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 30.2105% | 1,452 |
| Efficiency ratio | 81.8527% | 1,428 |
| Assets per employee ($millions) | 2.2009% | 5,996 |
| Cash dividends to net income (ytd only)* | 86.0427% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5729% | 5,827 |
| Loan loss allowance to noncurrent loans | 145.1389% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 0.2538% | 4,576 |
| Noncurrent loans to loans | 0.3947% | 4,042 |
| Net loans and leases to total assets | 56.8255% | 4,219 |
| Net loans and leases to deposits | 69.2149% | 3,999 |
| Net loans and leases to core deposits | 69.2149% | 4,358 |
| Total domestic deposits to total assets | 82.1001% | 4,144 |
| Equity capital to assets | 8.8959% | 5,226 |
| Core capital (leverage) ratio | 8.6190% | 5,311 |
| Tier 1 risk-based capital ratio | 12.6551% | 4,543 |
| Total risk-based capital ratio | 13.1370% | 4,930 |
| Memoranda: | ||
| Average total assets | $64,984,600 | 5,200 |
| Average earning assets | $59,161,400 | 5,210 |
| Average equity | $5,763,800 | 5,490 |
| Average total loans | $37,748,200 | 5,096 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8769% | 805 |
| Cost of funding earning assets | 0.5813% | 1,533 |
| Net interest margin | 4.2957% | 965 |
| Noninterest income to average assets | 0.9723% | 1,249 |
| Noninterest expense to average assets | 3.9566% | 698 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9253% | 2,828 |
| Return on assets (ROA) | 0.9886% | 2,608 |
| Pretax return on assets | 0.9886% | 3,657 |
| Return on Equity (ROE) | 11.1546% | 1,643 |
| Retained earnings to average equity (ytd only) | 2.5351% | 4,610 |
| Net charge-offs to loans | 0.0070% | 3,927 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 226.2097% | 319 |
| Efficiency ratio | 81.0460% | 1,516 |
| Assets per employee ($millions) | 2.2779% | 6,063 |
| Cash dividends to net income (ytd only)* | 77.2717% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6068% | 5,880 |
| Loan loss allowance to noncurrent loans | 114.7208% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 0.3089% | 4,529 |
| Noncurrent loans to loans | 0.5289% | 3,757 |
| Net loans and leases to total assets | 58.0408% | 4,137 |
| Net loans and leases to deposits | 70.8376% | 3,900 |
| Net loans and leases to core deposits | 70.8376% | 4,289 |
| Total domestic deposits to total assets | 81.9351% | 4,184 |
| Equity capital to assets | 9.0654% | 5,246 |
| Core capital (leverage) ratio | 8.5533% | 5,511 |
| Tier 1 risk-based capital ratio | 12.4548% | 4,791 |
| Total risk-based capital ratio | 12.9653% | 5,178 |
| Memoranda: | ||
| Average total assets | $65,274,000 | 5,260 |
| Average earning assets | $59,407,250 | 5,264 |
| Average equity | $5,785,250 | 5,558 |
| Average total loans | $38,065,500 | 5,141 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8788% | 769 |
| Cost of funding earning assets | 0.5814% | 1,550 |
| Net interest margin | 4.2973% | 924 |
| Noninterest income to average assets | 0.9335% | 1,347 |
| Noninterest expense to average assets | 3.9531% | 714 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8910% | 2,931 |
| Return on assets (ROA) | 0.9427% | 2,794 |
| Pretax return on assets | 0.9427% | 3,801 |
| Return on Equity (ROE) | 10.7149% | 1,775 |
| Retained earnings to average equity (ytd only) | 2.6269% | 4,387 |
| Net charge-offs to loans | -0.0156% | 5,079 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6070% | 1,540 |
| Assets per employee ($millions) | 2.2407% | 6,152 |
| Cash dividends to net income (ytd only)* | 75.4839% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6053% | 5,970 |
| Loan loss allowance to noncurrent loans | 4,620.0000% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 5,869 |
| Noncurrent loans to loans | 0.0131% | 5,712 |
| Net loans and leases to total assets | 58.3718% | 4,058 |
| Net loans and leases to deposits | 72.0117% | 3,719 |
| Net loans and leases to core deposits | 72.0117% | 4,133 |
| Total domestic deposits to total assets | 81.0588% | 4,599 |
| Equity capital to assets | 8.8289% | 5,402 |
| Core capital (leverage) ratio | 8.4675% | 5,562 |
| Tier 1 risk-based capital ratio | 12.1148% | 5,071 |
| Total risk-based capital ratio | 12.6255% | 5,464 |
| Memoranda: | ||
| Average total assets | $65,771,670 | 5,312 |
| Average earning assets | $59,851,330 | 5,309 |
| Average equity | $5,786,330 | 5,606 |
| Average total loans | $38,339,000 | 5,169 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8164% | 833 |
| Cost of funding earning assets | 0.5713% | 1,650 |
| Net interest margin | 4.2451% | 984 |
| Noninterest income to average assets | 0.7436% | 1,945 |
| Noninterest expense to average assets | 3.9052% | 764 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7013% | 3,790 |
| Return on assets (ROA) | 0.8040% | 3,362 |
| Pretax return on assets | 0.8040% | 4,221 |
| Return on Equity (ROE) | 9.1551% | 2,378 |
| Retained earnings to average equity (ytd only) | 9.1551% | 1,147 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7769% | 1,290 |
| Assets per employee ($millions) | 2.2351% | 6,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5943% | 6,071 |
| Loan loss allowance to noncurrent loans | 7,600.0000% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.1774% | 5,241 |
| Noncurrent loans to loans | 0.0078% | 5,781 |
| Net loans and leases to total assets | 58.8380% | 3,824 |
| Net loans and leases to deposits | 75.9913% | 3,058 |
| Net loans and leases to core deposits | 75.9913% | 3,599 |
| Total domestic deposits to total assets | 77.4272% | 5,546 |
| Equity capital to assets | 9.1103% | 5,184 |
| Core capital (leverage) ratio | 8.4617% | 5,562 |
| Tier 1 risk-based capital ratio | 11.7568% | 5,404 |
| Total risk-based capital ratio | 12.2410% | 5,742 |
| Memoranda: | ||
| Average total assets | $66,167,500 | 5,351 |
| Average earning assets | $60,210,500 | 5,350 |
| Average equity | $5,811,000 | 5,654 |
| Average total loans | $38,428,000 | 5,198 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0069% | 760 |
| Cost of funding earning assets | 0.6267% | 1,563 |
| Net interest margin | 4.3802% | 913 |
| Noninterest income to average assets | 0.8808% | 1,565 |
| Noninterest expense to average assets | 3.7101% | 1,128 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1489% | 1,776 |
| Return on assets (ROA) | 1.2076% | 1,619 |
| Pretax return on assets | 1.2076% | 2,623 |
| Return on Equity (ROE) | 14.2532% | 890 |
| Retained earnings to average equity (ytd only) | 4.4786% | 2,988 |
| Net charge-offs to loans | 0.0750% | 3,414 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 27.2500% | 1,436 |
| Efficiency ratio | 76.3557% | 2,458 |
| Assets per employee ($millions) | 2.2506% | 6,292 |
| Cash dividends to net income (ytd only)* | 68.5786% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5923% | 6,153 |
| Loan loss allowance to noncurrent loans | 22,800.0000% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.1674% | 5,353 |
| Noncurrent loans to loans | 0.0026% | 5,923 |
| Net loans and leases to total assets | 56.6708% | 4,241 |
| Net loans and leases to deposits | 75.8645% | 3,213 |
| Net loans and leases to core deposits | 75.8645% | 3,723 |
| Total domestic deposits to total assets | 74.7001% | 5,889 |
| Equity capital to assets | 8.4674% | 5,777 |
| Core capital (leverage) ratio | 8.0778% | 5,946 |
| Tier 1 risk-based capital ratio | 12.7894% | 4,864 |
| Total risk-based capital ratio | 13.3291% | 5,215 |
| Memoranda: | ||
| Average total assets | $66,413,600 | 5,382 |
| Average earning assets | $60,316,600 | 5,386 |
| Average equity | $5,626,800 | 5,709 |
| Average total loans | $37,312,400 | 5,282 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9536% | 834 |
| Cost of funding earning assets | 0.6395% | 1,530 |
| Net interest margin | 4.3141% | 1,018 |
| Noninterest income to average assets | 0.9253% | 1,436 |
| Noninterest expense to average assets | 3.6569% | 1,203 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1854% | 1,733 |
| Return on assets (ROA) | 1.2378% | 1,616 |
| Pretax return on assets | 1.2378% | 2,622 |
| Return on Equity (ROE) | 14.6077% | 888 |
| Retained earnings to average equity (ytd only) | 5.8051% | 2,534 |
| Net charge-offs to loans | 0.0973% | 2,834 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 21.7772% | 1,659 |
| Efficiency ratio | 75.5204% | 2,571 |
| Assets per employee ($millions) | 2.3723% | 6,315 |
| Cash dividends to net income (ytd only)* | 60.2602% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6071% | 6,212 |
| Loan loss allowance to noncurrent loans | 508.8889% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.4456% | 4,571 |
| Noncurrent loans to loans | 0.1193% | 5,572 |
| Net loans and leases to total assets | 56.4465% | 4,271 |
| Net loans and leases to deposits | 75.0240% | 3,310 |
| Net loans and leases to core deposits | 75.0240% | 3,847 |
| Total domestic deposits to total assets | 75.2379% | 5,902 |
| Equity capital to assets | 8.6369% | 5,687 |
| Core capital (leverage) ratio | 8.2007% | 5,929 |
| Tier 1 risk-based capital ratio | 12.9358% | 4,905 |
| Total risk-based capital ratio | 13.4849% | 5,261 |
| Memoranda: | ||
| Average total assets | $66,137,500 | 5,451 |
| Average earning assets | $60,049,500 | 5,455 |
| Average equity | $5,604,250 | 5,773 |
| Average total loans | $37,017,750 | 5,344 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9264% | 867 |
| Cost of funding earning assets | 0.6533% | 1,485 |
| Net interest margin | 4.2731% | 1,084 |
| Noninterest income to average assets | 0.9570% | 1,312 |
| Noninterest expense to average assets | 3.6704% | 1,186 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1690% | 1,692 |
| Return on assets (ROA) | 1.2295% | 1,564 |
| Pretax return on assets | 1.2295% | 2,537 |
| Return on Equity (ROE) | 14.6043% | 856 |
| Retained earnings to average equity (ytd only) | 5.6115% | 2,571 |
| Net charge-offs to loans | 0.1251% | 2,417 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 16.7826% | 1,768 |
| Efficiency ratio | 75.8448% | 2,665 |
| Assets per employee ($millions) | 2.4171% | 6,341 |
| Cash dividends to net income (ytd only)* | 61.5764% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6392% | 6,257 |
| Loan loss allowance to noncurrent loans | 517.7778% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.5899% | 4,212 |
| Noncurrent loans to loans | 0.1235% | 5,650 |
| Net loans and leases to total assets | 55.4963% | 4,346 |
| Net loans and leases to deposits | 72.5579% | 3,495 |
| Net loans and leases to core deposits | 72.5579% | 3,993 |
| Total domestic deposits to total assets | 76.4856% | 5,859 |
| Equity capital to assets | 8.6559% | 5,654 |
| Core capital (leverage) ratio | 8.0649% | 6,049 |
| Tier 1 risk-based capital ratio | 12.9819% | 4,921 |
| Total risk-based capital ratio | 13.5519% | 5,278 |
| Memoranda: | ||
| Average total assets | $66,042,000 | 5,505 |
| Average earning assets | $60,002,670 | 5,503 |
| Average equity | $5,560,000 | 5,818 |
| Average total loans | $36,782,670 | 5,381 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8467% | 954 |
| Cost of funding earning assets | 0.6431% | 1,629 |
| Net interest margin | 4.2035% | 1,210 |
| Noninterest income to average assets | 0.8671% | 1,495 |
| Noninterest expense to average assets | 3.5344% | 1,421 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1500% | 1,631 |
| Return on assets (ROA) | 1.2404% | 1,428 |
| Pretax return on assets | 1.2404% | 2,316 |
| Return on Equity (ROE) | 14.9397% | 781 |
| Retained earnings to average equity (ytd only) | 14.9397% | 322 |
| Net charge-offs to loans | 0.0108% | 3,407 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 191.0000% | 255 |
| Efficiency ratio | 75.4499% | 2,880 |
| Assets per employee ($millions) | 2.2748% | 6,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6963% | 6,287 |
| Loan loss allowance to noncurrent loans | 566.6667% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.5472% | 4,508 |
| Noncurrent loans to loans | 0.1229% | 5,742 |
| Net loans and leases to total assets | 55.1274% | 4,265 |
| Net loans and leases to deposits | 71.4409% | 3,414 |
| Net loans and leases to core deposits | 71.4409% | 3,927 |
| Total domestic deposits to total assets | 77.1650% | 5,942 |
| Equity capital to assets | 8.5616% | 5,590 |
| Core capital (leverage) ratio | 8.0965% | 6,043 |
| Tier 1 risk-based capital ratio | 13.1018% | 4,951 |
| Total risk-based capital ratio | 13.7254% | 5,268 |
| Memoranda: | ||
| Average total assets | $66,432,000 | 5,552 |
| Average earning assets | $60,330,000 | 5,553 |
| Average equity | $5,515,500 | 5,860 |
| Average total loans | $36,948,500 | 5,428 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9933% | 928 |
| Cost of funding earning assets | 0.7034% | 1,788 |
| Net interest margin | 4.2899% | 1,135 |
| Noninterest income to average assets | 0.9536% | 1,513 |
| Noninterest expense to average assets | 3.4798% | 1,704 |
| Loan and lease loss provision to assets | 0.0075% | 4,977 |
| Net operating income to assets | 1.3618% | 1,101 |
| Return on assets (ROA) | 1.3663% | 1,144 |
| Pretax return on assets | 1.3663% | 1,911 |
| Return on Equity (ROE) | 16.6398% | 548 |
| Retained earnings to average equity (ytd only) | 7.0081% | 1,430 |
| Net charge-offs to loans | -0.0276% | 6,212 |
| Credit loss provision to net charge-offs | -50.0000% | 5,798 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7614% | 3,520 |
| Assets per employee ($millions) | 2.4776% | 6,418 |
| Cash dividends to net income (ytd only)* | 57.8831% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6868% | 6,360 |
| Loan loss allowance to noncurrent loans | 568.8889% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.5382% | 4,619 |
| Noncurrent loans to loans | 0.1207% | 5,840 |
| Net loans and leases to total assets | 55.3390% | 4,412 |
| Net loans and leases to deposits | 73.1933% | 3,372 |
| Net loans and leases to core deposits | 73.1933% | 3,924 |
| Total domestic deposits to total assets | 75.6065% | 6,127 |
| Equity capital to assets | 8.0469% | 5,982 |
| Core capital (leverage) ratio | 7.7534% | 6,274 |
| Tier 1 risk-based capital ratio | 12.3870% | 5,366 |
| Total risk-based capital ratio | 13.0026% | 5,702 |
| Memoranda: | ||
| Average total assets | $66,382,400 | 5,581 |
| Average earning assets | $60,281,200 | 5,583 |
| Average equity | $5,450,800 | 5,944 |
| Average total loans | $36,222,200 | 5,490 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9946% | 956 |
| Cost of funding earning assets | 0.7135% | 1,862 |
| Net interest margin | 4.2811% | 1,139 |
| Noninterest income to average assets | 0.8995% | 1,757 |
| Noninterest expense to average assets | 3.4332% | 1,752 |
| Loan and lease loss provision to assets | 0.0101% | 4,790 |
| Net operating income to assets | 1.3443% | 1,233 |
| Return on assets (ROA) | 1.3443% | 1,283 |
| Pretax return on assets | 1.3443% | 2,149 |
| Return on Equity (ROE) | 16.2890% | 612 |
| Retained earnings to average equity (ytd only) | 7.7301% | 1,534 |
| Net charge-offs to loans | -0.0371% | 6,217 |
| Credit loss provision to net charge-offs | -50.0000% | 5,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7108% | 3,458 |
| Assets per employee ($millions) | 2.4366% | 6,522 |
| Cash dividends to net income (ytd only)* | 52.5454% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7019% | 6,434 |
| Loan loss allowance to noncurrent loans | 110.8225% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 0.5502% | 4,799 |
| Noncurrent loans to loans | 0.6334% | 4,614 |
| Net loans and leases to total assets | 55.0457% | 4,450 |
| Net loans and leases to deposits | 73.1256% | 3,374 |
| Net loans and leases to core deposits | 73.1256% | 3,954 |
| Total domestic deposits to total assets | 75.2755% | 6,251 |
| Equity capital to assets | 8.0971% | 6,077 |
| Core capital (leverage) ratio | 7.7600% | 6,351 |
| Tier 1 risk-based capital ratio | 12.4334% | 5,496 |
| Total risk-based capital ratio | 13.0592% | 5,848 |
| Memoranda: | ||
| Average total assets | $66,254,250 | 5,643 |
| Average earning assets | $60,170,500 | 5,646 |
| Average equity | $5,467,750 | 6,014 |
| Average total loans | $35,959,000 | 5,548 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0220% | 883 |
| Cost of funding earning assets | 0.7307% | 1,838 |
| Net interest margin | 4.2913% | 1,048 |
| Noninterest income to average assets | 0.8372% | 2,037 |
| Noninterest expense to average assets | 3.3309% | 1,990 |
| Loan and lease loss provision to assets | 0.0151% | 4,592 |
| Net operating income to assets | 1.3823% | 1,117 |
| Return on assets (ROA) | 1.3823% | 1,204 |
| Pretax return on assets | 1.3823% | 1,996 |
| Return on Equity (ROE) | 16.6465% | 587 |
| Retained earnings to average equity (ytd only) | 8.0513% | 1,466 |
| Net charge-offs to loans | -0.0950% | 6,491 |
| Credit loss provision to net charge-offs | -29.4118% | 5,500 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4459% | 3,745 |
| Assets per employee ($millions) | 2.4171% | 6,569 |
| Cash dividends to net income (ytd only)* | 51.6340% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7475% | 6,435 |
| Loan loss allowance to noncurrent loans | 115.3509% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 0.5501% | 4,888 |
| Noncurrent loans to loans | 0.6481% | 4,648 |
| Net loans and leases to total assets | 53.5059% | 4,655 |
| Net loans and leases to deposits | 68.5385% | 3,930 |
| Net loans and leases to core deposits | 68.5385% | 4,447 |
| Total domestic deposits to total assets | 78.0669% | 5,964 |
| Equity capital to assets | 8.2605% | 6,006 |
| Core capital (leverage) ratio | 7.5404% | 6,439 |
| Tier 1 risk-based capital ratio | 12.4997% | 5,498 |
| Total risk-based capital ratio | 13.1584% | 5,798 |
| Memoranda: | ||
| Average total assets | $66,409,330 | 5,673 |
| Average earning assets | $60,215,000 | 5,687 |
| Average equity | $5,514,670 | 6,037 |
| Average total loans | $35,788,670 | 5,583 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9430% | 984 |
| Cost of funding earning assets | 0.7448% | 1,890 |
| Net interest margin | 4.1983% | 1,187 |
| Noninterest income to average assets | 0.6211% | 3,022 |
| Noninterest expense to average assets | 3.0754% | 2,748 |
| Loan and lease loss provision to assets | 0.0299% | 4,082 |
| Net operating income to assets | 1.3197% | 1,229 |
| Return on assets (ROA) | 1.3197% | 1,331 |
| Pretax return on assets | 1.3197% | 2,162 |
| Return on Equity (ROE) | 15.8522% | 632 |
| Retained earnings to average equity (ytd only) | 15.8522% | 292 |
| Net charge-offs to loans | -0.1441% | 6,590 |
| Credit loss provision to net charge-offs | -38.4615% | 5,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5007% | 4,055 |
| Assets per employee ($millions) | 2.4620% | 6,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7317% | 6,547 |
| Loan loss allowance to noncurrent loans | 201.5504% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.3926% | 5,411 |
| Noncurrent loans to loans | 0.3630% | 5,493 |
| Net loans and leases to total assets | 53.0667% | 4,545 |
| Net loans and leases to deposits | 67.0793% | 3,904 |
| Net loans and leases to core deposits | 67.0793% | 4,406 |
| Total domestic deposits to total assets | 79.1103% | 5,942 |
| Equity capital to assets | 8.5508% | 5,969 |
| Core capital (leverage) ratio | 7.5674% | 6,444 |
| Tier 1 risk-based capital ratio | 12.8741% | 5,318 |
| Total risk-based capital ratio | 13.5449% | 5,675 |
| Memoranda: | ||
| Average total assets | $66,983,000 | 5,707 |
| Average earning assets | $60,691,500 | 5,724 |
| Average equity | $5,576,500 | 6,080 |
| Average total loans | $36,092,000 | 5,615 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2526% | 1,012 |
| Cost of funding earning assets | 0.8204% | 2,509 |
| Net interest margin | 4.4322% | 1,085 |
| Noninterest income to average assets | 0.7381% | 2,551 |
| Noninterest expense to average assets | 3.6743% | 1,465 |
| Loan and lease loss provision to assets | 0.1040% | 4,341 |
| Net operating income to assets | 0.9876% | 2,392 |
| Return on assets (ROA) | 1.1465% | 1,954 |
| Pretax return on assets | 1.1465% | 3,000 |
| Return on Equity (ROE) | 10.8147% | 1,868 |
| Retained earnings to average equity (ytd only) | -27.4291% | 6,919 |
| Net charge-offs to loans | 0.0974% | 4,687 |
| Credit loss provision to net charge-offs | 205.8824% | 1,244 |
| Earnings coverage of net charge-offs (x) | 21.6176% | 1,296 |
| Efficiency ratio | 77.0957% | 2,581 |
| Assets per employee ($millions) | 2.4105% | 6,693 |
| Cash dividends to net income (ytd only)* | 353.6269% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6576% | 6,688 |
| Loan loss allowance to noncurrent loans | 669.4444% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.3304% | 5,683 |
| Noncurrent loans to loans | 0.0982% | 6,243 |
| Net loans and leases to total assets | 53.9434% | 4,627 |
| Net loans and leases to deposits | 68.8255% | 3,862 |
| Net loans and leases to core deposits | 68.8255% | 4,450 |
| Total domestic deposits to total assets | 78.3770% | 6,019 |
| Equity capital to assets | 8.1031% | 6,349 |
| Core capital (leverage) ratio | 6.9752% | 6,710 |
| Tier 1 risk-based capital ratio | 12.1522% | 5,685 |
| Total risk-based capital ratio | 12.7663% | 6,063 |
| Memoranda: | ||
| Average total assets | $67,333,400 | 5,698 |
| Average earning assets | $61,188,600 | 5,697 |
| Average equity | $7,138,400 | 5,721 |
| Average total loans | $34,910,200 | 5,718 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2743% | 1,057 |
| Cost of funding earning assets | 0.8413% | 2,619 |
| Net interest margin | 4.4331% | 1,129 |
| Noninterest income to average assets | 0.7450% | 2,509 |
| Noninterest expense to average assets | 3.6001% | 1,557 |
| Loan and lease loss provision to assets | 0.0792% | 4,644 |
| Net operating income to assets | 1.0957% | 2,110 |
| Return on assets (ROA) | 1.2661% | 1,689 |
| Pretax return on assets | 1.2661% | 2,726 |
| Return on Equity (ROE) | 11.2759% | 1,863 |
| Retained earnings to average equity (ytd only) | 1.8352% | 5,415 |
| Net charge-offs to loans | -0.0155% | 6,443 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3942% | 2,761 |
| Assets per employee ($millions) | 2.4419% | 6,747 |
| Cash dividends to net income (ytd only)* | 83.7250% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7043% | 6,745 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2121% | 6,180 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 51.3434% | 5,134 |
| Net loans and leases to deposits | 64.1105% | 4,701 |
| Net loans and leases to core deposits | 64.1105% | 5,136 |
| Total domestic deposits to total assets | 80.0857% | 5,628 |
| Equity capital to assets | 11.2267% | 3,008 |
| Core capital (leverage) ratio | 9.9305% | 3,649 |
| Tier 1 risk-based capital ratio | 17.5919% | 2,499 |
| Total risk-based capital ratio | 18.2331% | 2,700 |
| Memoranda: | ||
| Average total assets | $67,293,500 | 5,763 |
| Average earning assets | $61,175,250 | 5,761 |
| Average equity | $7,555,750 | 5,680 |
| Average total loans | $34,475,500 | 5,814 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3784% | 910 |
| Cost of funding earning assets | 0.8662% | 2,687 |
| Net interest margin | 4.5122% | 971 |
| Noninterest income to average assets | 0.6872% | 2,734 |
| Noninterest expense to average assets | 3.5767% | 1,629 |
| Loan and lease loss provision to assets | 0.1195% | 4,039 |
| Net operating income to assets | 1.0847% | 2,107 |
| Return on assets (ROA) | 1.2998% | 1,597 |
| Pretax return on assets | 1.2998% | 2,561 |
| Return on Equity (ROE) | 11.5758% | 1,806 |
| Retained earnings to average equity (ytd only) | 2.0757% | 5,162 |
| Net charge-offs to loans | -0.0176% | 6,396 |
| Credit loss provision to net charge-offs | -1,333.3333% | 6,444 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8125% | 2,934 |
| Assets per employee ($millions) | 2.3911% | 6,836 |
| Cash dividends to net income (ytd only)* | 82.0690% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7228% | 6,799 |
| Loan loss allowance to noncurrent loans | 8,266.6667% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.2838% | 6,061 |
| Noncurrent loans to loans | 0.0087% | 6,692 |
| Net loans and leases to total assets | 50.8767% | 5,241 |
| Net loans and leases to deposits | 63.7323% | 4,802 |
| Net loans and leases to core deposits | 63.7323% | 5,236 |
| Total domestic deposits to total assets | 79.8288% | 5,785 |
| Equity capital to assets | 11.3171% | 2,766 |
| Core capital (leverage) ratio | 10.1963% | 3,150 |
| Tier 1 risk-based capital ratio | 17.0210% | 2,653 |
| Total risk-based capital ratio | 17.6412% | 2,932 |
| Memoranda: | ||
| Average total assets | $66,933,670 | 5,810 |
| Average earning assets | $60,724,670 | 5,813 |
| Average equity | $7,515,670 | 5,707 |
| Average total loans | $34,182,670 | 5,862 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3815% | 937 |
| Cost of funding earning assets | 0.8914% | 2,757 |
| Net interest margin | 4.4901% | 1,029 |
| Noninterest income to average assets | 0.6634% | 2,847 |
| Noninterest expense to average assets | 3.5383% | 1,685 |
| Loan and lease loss provision to assets | 0.2391% | 2,557 |
| Net operating income to assets | 0.9503% | 2,693 |
| Return on assets (ROA) | 1.1954% | 1,935 |
| Pretax return on assets | 1.1954% | 2,927 |
| Return on Equity (ROE) | 10.6880% | 2,146 |
| Retained earnings to average equity (ytd only) | 1.1757% | 5,617 |
| Net charge-offs to loans | -0.0938% | 6,763 |
| Credit loss provision to net charge-offs | -500.0000% | 5,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8420% | 2,965 |
| Assets per employee ($millions) | 2.3886% | 6,931 |
| Cash dividends to net income (ytd only)* | 89.0000% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7316% | 6,839 |
| Loan loss allowance to noncurrent loans | 85.8108% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 0.7117% | 5,126 |
| Noncurrent loans to loans | 0.8526% | 4,968 |
| Net loans and leases to total assets | 51.5296% | 5,082 |
| Net loans and leases to deposits | 63.3623% | 4,718 |
| Net loans and leases to core deposits | 63.3623% | 5,187 |
| Total domestic deposits to total assets | 81.3253% | 5,518 |
| Equity capital to assets | 11.2033% | 2,710 |
| Core capital (leverage) ratio | 10.1025% | 3,236 |
| Tier 1 risk-based capital ratio | 17.1216% | 2,638 |
| Total risk-based capital ratio | 17.7660% | 2,869 |
| Memoranda: | ||
| Average total assets | $66,924,500 | 5,858 |
| Average earning assets | $60,577,500 | 5,853 |
| Average equity | $7,485,000 | 5,741 |
| Average total loans | $34,118,500 | 5,912 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6265% | 908 |
| Cost of funding earning assets | 1.0318% | 3,152 |
| Net interest margin | 4.5948% | 934 |
| Noninterest income to average assets | 0.8478% | 1,853 |
| Noninterest expense to average assets | 3.5704% | 1,804 |
| Loan and lease loss provision to assets | 0.1073% | 5,253 |
| Net operating income to assets | 1.3414% | 1,156 |
| Return on assets (ROA) | 1.4058% | 1,101 |
| Pretax return on assets | 1.4058% | 1,770 |
| Return on Equity (ROE) | 12.4417% | 1,291 |
| Retained earnings to average equity (ytd only) | 1.5332% | 5,120 |
| Net charge-offs to loans | 0.2018% | 4,531 |
| Credit loss provision to net charge-offs | 104.4776% | 3,282 |
| Earnings coverage of net charge-offs (x) | 14.1045% | 1,484 |
| Efficiency ratio | 71.1362% | 3,760 |
| Assets per employee ($millions) | 2.3092% | 7,003 |
| Cash dividends to net income (ytd only)* | 87.6772% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6116% | 7,003 |
| Loan loss allowance to noncurrent loans | 60.2941% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 0.6317% | 5,396 |
| Noncurrent loans to loans | 1.0144% | 4,676 |
| Net loans and leases to total assets | 49.7469% | 5,623 |
| Net loans and leases to deposits | 61.4842% | 5,312 |
| Net loans and leases to core deposits | 61.4842% | 5,707 |
| Total domestic deposits to total assets | 80.9100% | 5,476 |
| Equity capital to assets | 11.1652% | 2,830 |
| Core capital (leverage) ratio | 10.1467% | 3,173 |
| Tier 1 risk-based capital ratio | 17.2495% | 2,489 |
| Total risk-based capital ratio | 17.7751% | 2,776 |
| Memoranda: | ||
| Average total assets | $65,231,400 | 5,890 |
| Average earning assets | $59,219,600 | 5,890 |
| Average equity | $7,370,400 | 5,754 |
| Average total loans | $33,206,400 | 5,999 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7424% | 786 |
| Cost of funding earning assets | 1.0610% | 3,240 |
| Net interest margin | 4.6814% | 794 |
| Noninterest income to average assets | 0.7922% | 2,094 |
| Noninterest expense to average assets | 3.4815% | 1,985 |
| Loan and lease loss provision to assets | 0.0823% | 5,412 |
| Net operating income to assets | 1.4774% | 985 |
| Return on assets (ROA) | 1.5638% | 902 |
| Pretax return on assets | 1.5638% | 1,477 |
| Return on Equity (ROE) | 13.7983% | 1,080 |
| Retained earnings to average equity (ytd only) | 4.0850% | 3,820 |
| Net charge-offs to loans | 0.1449% | 4,617 |
| Credit loss provision to net charge-offs | 111.1111% | 2,954 |
| Earnings coverage of net charge-offs (x) | 21.0550% | 1,196 |
| Efficiency ratio | 69.0612% | 4,117 |
| Assets per employee ($millions) | 2.4287% | 6,958 |
| Cash dividends to net income (ytd only)* | 70.3950% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6169% | 7,064 |
| Loan loss allowance to noncurrent loans | 39.9610% | 5,624 |
| Noncurrent assets plus other real estate owned to assets | 0.9485% | 4,853 |
| Noncurrent loans to loans | 1.5437% | 3,966 |
| Net loans and leases to total assets | 50.3629% | 5,665 |
| Net loans and leases to deposits | 62.5031% | 5,343 |
| Net loans and leases to core deposits | 62.5031% | 5,769 |
| Total domestic deposits to total assets | 80.5767% | 5,578 |
| Equity capital to assets | 11.7741% | 2,433 |
| Core capital (leverage) ratio | 10.5390% | 2,823 |
| Tier 1 risk-based capital ratio | 17.8618% | 2,304 |
| Total risk-based capital ratio | 18.3971% | 2,550 |
| Memoranda: | ||
| Average total assets | $64,797,500 | 5,946 |
| Average earning assets | $58,813,000 | 5,945 |
| Average equity | $7,343,750 | 5,804 |
| Average total loans | $33,128,250 | 6,063 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7633% | 778 |
| Cost of funding earning assets | 1.0827% | 3,370 |
| Net interest margin | 4.6805% | 763 |
| Noninterest income to average assets | 0.8150% | 1,950 |
| Noninterest expense to average assets | 3.6041% | 1,730 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.4844% | 923 |
| Return on assets (ROA) | 1.5867% | 797 |
| Pretax return on assets | 1.5867% | 1,282 |
| Return on Equity (ROE) | 14.1868% | 938 |
| Retained earnings to average equity (ytd only) | 4.2948% | 3,462 |
| Net charge-offs to loans | 0.0846% | 4,793 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 34.2143% | 838 |
| Efficiency ratio | 70.8283% | 3,959 |
| Assets per employee ($millions) | 2.3111% | 7,110 |
| Cash dividends to net income (ytd only)* | 69.7266% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5561% | 7,193 |
| Loan loss allowance to noncurrent loans | 48.2051% | 5,122 |
| Noncurrent assets plus other real estate owned to assets | 0.6830% | 5,540 |
| Noncurrent loans to loans | 1.1537% | 4,734 |
| Net loans and leases to total assets | 51.9487% | 5,569 |
| Net loans and leases to deposits | 64.4565% | 5,216 |
| Net loans and leases to core deposits | 64.4565% | 5,680 |
| Total domestic deposits to total assets | 80.5950% | 5,648 |
| Equity capital to assets | 11.5160% | 2,489 |
| Core capital (leverage) ratio | 10.4174% | 2,801 |
| Tier 1 risk-based capital ratio | 17.1474% | 2,460 |
| Total risk-based capital ratio | 17.6235% | 2,761 |
| Memoranda: | ||
| Average total assets | $64,538,000 | 6,000 |
| Average earning assets | $58,925,000 | 5,989 |
| Average equity | $7,218,000 | 5,862 |
| Average total loans | $33,094,000 | 6,128 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5672% | 1,134 |
| Cost of funding earning assets | 0.8690% | 5,144 |
| Net interest margin | 4.6982% | 708 |
| Noninterest income to average assets | 0.8813% | 1,726 |
| Noninterest expense to average assets | 3.5623% | 1,845 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.6136% | 670 |
| Return on assets (ROA) | 1.6136% | 709 |
| Pretax return on assets | 1.6136% | 1,155 |
| Return on Equity (ROE) | 14.6458% | 879 |
| Retained earnings to average equity (ytd only) | 4.6191% | 3,417 |
| Net charge-offs to loans | 0.1222% | 3,798 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 938 |
| Efficiency ratio | 68.8249% | 4,505 |
| Assets per employee ($millions) | 2.2369% | 7,234 |
| Cash dividends to net income (ytd only)* | 68.4615% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5814% | 7,226 |
| Loan loss allowance to noncurrent loans | 34.7826% | 5,975 |
| Noncurrent assets plus other real estate owned to assets | 0.9311% | 5,030 |
| Noncurrent loans to loans | 1.6717% | 3,977 |
| Net loans and leases to total assets | 50.6066% | 5,765 |
| Net loans and leases to deposits | 62.1714% | 5,475 |
| Net loans and leases to core deposits | 62.1714% | 5,908 |
| Total domestic deposits to total assets | 81.3985% | 5,534 |
| Equity capital to assets | 11.0650% | 2,621 |
| Core capital (leverage) ratio | 10.2795% | 2,827 |
| Tier 1 risk-based capital ratio | 17.4829% | 2,303 |
| Total risk-based capital ratio | 17.9841% | 2,543 |
| Memoranda: | ||
| Average total assets | $64,452,000 | 6,048 |
| Average earning assets | $58,916,500 | 6,033 |
| Average equity | $7,101,000 | 5,900 |
| Average total loans | $32,739,000 | 6,198 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0996% | 700 |
| Cost of funding earning assets | 1.2986% | 3,888 |
| Net interest margin | 4.8011% | 665 |
| Noninterest income to average assets | 0.7177% | 2,736 |
| Noninterest expense to average assets | 3.3770% | 2,503 |
| Loan and lease loss provision to assets | 0.2889% | 4,489 |
| Net operating income to assets | 1.4509% | 852 |
| Return on assets (ROA) | 1.5208% | 795 |
| Pretax return on assets | 1.5208% | 1,324 |
| Return on Equity (ROE) | 13.4826% | 987 |
| Retained earnings to average equity (ytd only) | 2.6166% | 4,031 |
| Net charge-offs to loans | 0.5202% | 3,542 |
| Credit loss provision to net charge-offs | 106.8966% | 4,168 |
| Earnings coverage of net charge-offs (x) | 6.4368% | 2,358 |
| Efficiency ratio | 65.9988% | 4,970 |
| Assets per employee ($millions) | 2.2869% | 7,228 |
| Cash dividends to net income (ytd only)* | 80.5924% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6224% | 7,234 |
| Loan loss allowance to noncurrent loans | 360.7143% | 864 |
| Noncurrent assets plus other real estate owned to assets | 1.1713% | 4,670 |
| Noncurrent loans to loans | 0.1725% | 6,720 |
| Net loans and leases to total assets | 50.3725% | 6,133 |
| Net loans and leases to deposits | 61.8350% | 5,860 |
| Net loans and leases to core deposits | 61.8350% | 6,247 |
| Total domestic deposits to total assets | 81.4627% | 5,369 |
| Equity capital to assets | 10.9693% | 2,716 |
| Core capital (leverage) ratio | 10.2510% | 2,816 |
| Tier 1 risk-based capital ratio | 17.3726% | 2,213 |
| Total risk-based capital ratio | 17.9030% | 2,449 |
| Memoranda: | ||
| Average total assets | $64,375,800 | 6,054 |
| Average earning assets | $58,987,000 | 6,026 |
| Average equity | $7,261,200 | 5,942 |
| Average total loans | $33,450,200 | 6,237 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0086% | 916 |
| Cost of funding earning assets | 1.3372% | 3,997 |
| Net interest margin | 4.6714% | 906 |
| Noninterest income to average assets | 0.7674% | 2,405 |
| Noninterest expense to average assets | 3.2784% | 2,643 |
| Loan and lease loss provision to assets | 0.2296% | 4,776 |
| Net operating income to assets | 1.5513% | 827 |
| Return on assets (ROA) | 1.6443% | 748 |
| Pretax return on assets | 1.6443% | 1,227 |
| Return on Equity (ROE) | 14.4795% | 940 |
| Retained earnings to average equity (ytd only) | 4.7355% | 3,173 |
| Net charge-offs to loans | 0.6647% | 2,766 |
| Credit loss provision to net charge-offs | 66.0714% | 5,532 |
| Earnings coverage of net charge-offs (x) | 5.1251% | 2,841 |
| Efficiency ratio | 64.7997% | 5,090 |
| Assets per employee ($millions) | 2.4860% | 7,095 |
| Cash dividends to net income (ytd only)* | 67.2962% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4091% | 7,527 |
| Loan loss allowance to noncurrent loans | 446.6667% | 672 |
| Noncurrent assets plus other real estate owned to assets | 1.1201% | 4,875 |
| Noncurrent loans to loans | 0.0916% | 7,001 |
| Net loans and leases to total assets | 50.4688% | 6,276 |
| Net loans and leases to deposits | 62.4947% | 6,064 |
| Net loans and leases to core deposits | 62.4947% | 6,412 |
| Total domestic deposits to total assets | 80.7569% | 5,463 |
| Equity capital to assets | 11.6653% | 2,391 |
| Core capital (leverage) ratio | 10.3039% | 2,912 |
| Tier 1 risk-based capital ratio | 17.5040% | 2,173 |
| Total risk-based capital ratio | 17.8548% | 2,465 |
| Memoranda: | ||
| Average total assets | $64,461,500 | 6,122 |
| Average earning assets | $59,224,750 | 6,088 |
| Average equity | $7,320,500 | 6,012 |
| Average total loans | $33,698,500 | 6,304 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9242% | 1,127 |
| Cost of funding earning assets | 1.3576% | 4,144 |
| Net interest margin | 4.5667% | 1,072 |
| Noninterest income to average assets | 0.8012% | 2,108 |
| Noninterest expense to average assets | 3.2886% | 2,594 |
| Loan and lease loss provision to assets | 0.1118% | 5,789 |
| Net operating income to assets | 1.6210% | 690 |
| Return on assets (ROA) | 1.7204% | 620 |
| Pretax return on assets | 1.7204% | 1,024 |
| Return on Equity (ROE) | 15.2884% | 802 |
| Retained earnings to average equity (ytd only) | 5.4365% | 2,657 |
| Net charge-offs to loans | 0.2293% | 4,225 |
| Credit loss provision to net charge-offs | 92.3077% | 4,354 |
| Earnings coverage of net charge-offs (x) | 14.3077% | 1,531 |
| Efficiency ratio | 65.4917% | 5,068 |
| Assets per employee ($millions) | 2.5037% | 7,096 |
| Cash dividends to net income (ytd only)* | 64.4404% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5602% | 7,458 |
| Loan loss allowance to noncurrent loans | 23.2298% | 6,778 |
| Noncurrent assets plus other real estate owned to assets | 1.3841% | 4,405 |
| Noncurrent loans to loans | 2.4115% | 3,237 |
| Net loans and leases to total assets | 50.9939% | 6,307 |
| Net loans and leases to deposits | 62.7410% | 6,165 |
| Net loans and leases to core deposits | 62.7410% | 6,491 |
| Total domestic deposits to total assets | 81.2769% | 5,300 |
| Equity capital to assets | 11.3356% | 2,564 |
| Core capital (leverage) ratio | 10.3047% | 2,819 |
| Tier 1 risk-based capital ratio | 17.5631% | 2,089 |
| Total risk-based capital ratio | 18.0591% | 2,307 |
| Memoranda: | ||
| Average total assets | $64,403,330 | 6,163 |
| Average earning assets | $59,518,330 | 6,117 |
| Average equity | $7,247,330 | 6,052 |
| Average total loans | $34,013,000 | 6,335 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7148% | 1,722 |
| Cost of funding earning assets | 1.4017% | 4,163 |
| Net interest margin | 4.3130% | 1,650 |
| Noninterest income to average assets | 0.7930% | 2,053 |
| Noninterest expense to average assets | 3.3658% | 2,326 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.4237% | 1,029 |
| Return on assets (ROA) | 1.6236% | 760 |
| Pretax return on assets | 1.6236% | 1,211 |
| Return on Equity (ROE) | 14.4817% | 956 |
| Retained earnings to average equity (ytd only) | 4.5673% | 3,412 |
| Net charge-offs to loans | -0.2097% | 7,683 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2738% | 4,248 |
| Assets per employee ($millions) | 2.5475% | 7,130 |
| Cash dividends to net income (ytd only)* | 68.4615% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6169% | 7,474 |
| Loan loss allowance to noncurrent loans | 25.8984% | 6,679 |
| Noncurrent assets plus other real estate owned to assets | 1.4885% | 4,278 |
| Noncurrent loans to loans | 2.3819% | 3,295 |
| Net loans and leases to total assets | 52.8695% | 6,164 |
| Net loans and leases to deposits | 65.1667% | 5,919 |
| Net loans and leases to core deposits | 65.1667% | 6,356 |
| Total domestic deposits to total assets | 81.1296% | 5,408 |
| Equity capital to assets | 11.3241% | 2,484 |
| Core capital (leverage) ratio | 10.2696% | 2,843 |
| Tier 1 risk-based capital ratio | 17.3135% | 2,144 |
| Total risk-based capital ratio | 17.8694% | 2,358 |
| Memoranda: | ||
| Average total assets | $64,057,000 | 6,240 |
| Average earning assets | $59,355,000 | 6,197 |
| Average equity | $7,181,500 | 6,120 |
| Average total loans | $34,328,500 | 6,400 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4571% | 730 |
| Cost of funding earning assets | 1.6478% | 4,809 |
| Net interest margin | 4.8093% | 683 |
| Noninterest income to average assets | 0.7732% | 2,546 |
| Noninterest expense to average assets | 3.5356% | 2,303 |
| Loan and lease loss provision to assets | 0.1482% | 6,180 |
| Net operating income to assets | 1.5710% | 579 |
| Return on assets (ROA) | 1.6127% | 563 |
| Pretax return on assets | 1.6127% | 936 |
| Return on Equity (ROE) | 15.0894% | 657 |
| Retained earnings to average equity (ytd only) | 3.1912% | 2,925 |
| Net charge-offs to loans | 0.1670% | 5,615 |
| Credit loss provision to net charge-offs | 168.4211% | 2,551 |
| Earnings coverage of net charge-offs (x) | 19.5439% | 1,077 |
| Efficiency ratio | 67.2834% | 5,132 |
| Assets per employee ($millions) | 2.5771% | 7,076 |
| Cash dividends to net income (ytd only)* | 78.8517% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5463% | 7,623 |
| Loan loss allowance to noncurrent loans | 2,714.2857% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.1599% | 7,074 |
| Noncurrent loans to loans | 0.0201% | 7,389 |
| Net loans and leases to total assets | 53.6840% | 6,226 |
| Net loans and leases to deposits | 67.3384% | 5,907 |
| Net loans and leases to core deposits | 82.1193% | 5,899 |
| Total domestic deposits to total assets | 79.7228% | 5,765 |
| Equity capital to assets | 11.0994% | 2,622 |
| Core capital (leverage) ratio | 9.9326% | 3,156 |
| Tier 1 risk-based capital ratio | 16.7383% | 2,224 |
| Total risk-based capital ratio | 17.2332% | 2,461 |
| Memoranda: | ||
| Average total assets | $64,797,800 | 6,173 |
| Average earning assets | $60,383,200 | 6,111 |
| Average equity | $6,925,400 | 6,293 |
| Average total loans | $34,140,200 | 6,388 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5091% | 729 |
| Cost of funding earning assets | 1.7067% | 4,860 |
| Net interest margin | 4.8025% | 677 |
| Noninterest income to average assets | 0.8034% | 2,412 |
| Noninterest expense to average assets | 3.4971% | 2,288 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.7814% | 469 |
| Return on assets (ROA) | 1.8369% | 433 |
| Pretax return on assets | 1.8369% | 748 |
| Return on Equity (ROE) | 17.3529% | 511 |
| Retained earnings to average equity (ytd only) | 6.2890% | 1,816 |
| Net charge-offs to loans | 0.0314% | 6,454 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 108.3383% | 335 |
| Efficiency ratio | 66.2515% | 5,320 |
| Assets per employee ($millions) | 2.6080% | 7,032 |
| Cash dividends to net income (ytd only)* | 63.7583% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4071% | 7,816 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1426% | 7,188 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 54.0315% | 6,379 |
| Net loans and leases to deposits | 68.7309% | 6,063 |
| Net loans and leases to core deposits | 84.5506% | 5,998 |
| Total domestic deposits to total assets | 78.6132% | 5,926 |
| Equity capital to assets | 11.1459% | 2,880 |
| Core capital (leverage) ratio | 9.9432% | 3,352 |
| Tier 1 risk-based capital ratio | 16.8931% | 2,311 |
| Total risk-based capital ratio | 17.2657% | 2,555 |
| Memoranda: | ||
| Average total assets | $64,890,500 | 6,210 |
| Average earning assets | $60,467,500 | 6,158 |
| Average equity | $6,869,000 | 6,366 |
| Average total loans | $33,981,000 | 6,448 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5757% | 692 |
| Cost of funding earning assets | 1.7741% | 4,888 |
| Net interest margin | 4.8016% | 649 |
| Noninterest income to average assets | 0.7378% | 2,775 |
| Noninterest expense to average assets | 3.5562% | 2,171 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.6515% | 619 |
| Return on assets (ROA) | 1.6515% | 679 |
| Pretax return on assets | 1.6515% | 1,109 |
| Return on Equity (ROE) | 15.8840% | 714 |
| Retained earnings to average equity (ytd only) | 4.2456% | 2,943 |
| Net charge-offs to loans | -0.0298% | 7,779 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2869% | 5,106 |
| Assets per employee ($millions) | 2.3126% | 7,532 |
| Cash dividends to net income (ytd only)* | 73.2710% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4498% | 7,841 |
| Loan loss allowance to noncurrent loans | 238.4615% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.3336% | 6,628 |
| Noncurrent loans to loans | 0.1886% | 7,045 |
| Net loans and leases to total assets | 52.9775% | 6,569 |
| Net loans and leases to deposits | 65.8477% | 6,409 |
| Net loans and leases to core deposits | 80.7362% | 6,339 |
| Total domestic deposits to total assets | 80.4547% | 5,299 |
| Equity capital to assets | 10.5279% | 3,368 |
| Core capital (leverage) ratio | 9.7630% | 3,561 |
| Tier 1 risk-based capital ratio | 15.8855% | 2,664 |
| Total risk-based capital ratio | 16.2709% | 2,948 |
| Memoranda: | ||
| Average total assets | $64,787,670 | 6,267 |
| Average earning assets | $60,313,000 | 6,212 |
| Average equity | $6,736,330 | 6,454 |
| Average total loans | $33,517,330 | 6,535 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5611% | 770 |
| Cost of funding earning assets | 1.8310% | 4,968 |
| Net interest margin | 4.7301% | 721 |
| Noninterest income to average assets | 0.7098% | 2,827 |
| Noninterest expense to average assets | 3.6293% | 1,797 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4814% | 972 |
| Return on assets (ROA) | 1.4814% | 1,043 |
| Pretax return on assets | 1.4814% | 1,724 |
| Return on Equity (ROE) | 14.3369% | 1,099 |
| Retained earnings to average equity (ytd only) | 3.7037% | 3,841 |
| Net charge-offs to loans | -0.1331% | 7,946 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0145% | 4,369 |
| Assets per employee ($millions) | 2.3209% | 7,563 |
| Cash dividends to net income (ytd only)* | 74.1667% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4964% | 7,833 |
| Loan loss allowance to noncurrent loans | 2,716.6667% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.2493% | 6,764 |
| Noncurrent loans to loans | 0.0183% | 7,507 |
| Net loans and leases to total assets | 50.2816% | 6,837 |
| Net loans and leases to deposits | 61.0926% | 6,804 |
| Net loans and leases to core deposits | 74.2383% | 6,796 |
| Total domestic deposits to total assets | 82.3039% | 4,437 |
| Equity capital to assets | 10.5100% | 3,454 |
| Core capital (leverage) ratio | 9.6931% | 3,767 |
| Tier 1 risk-based capital ratio | 16.4951% | 2,514 |
| Total risk-based capital ratio | 16.9242% | 2,729 |
| Memoranda: | ||
| Average total assets | $64,805,500 | 6,299 |
| Average earning assets | $60,295,000 | 6,248 |
| Average equity | $6,696,000 | 6,522 |
| Average total loans | $33,046,500 | 6,587 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9180% | 1,352 |
| Cost of funding earning assets | 2.4338% | 4,553 |
| Net interest margin | 4.4842% | 1,467 |
| Noninterest income to average assets | 0.8486% | 2,243 |
| Noninterest expense to average assets | 3.3131% | 2,926 |
| Loan and lease loss provision to assets | 0.1315% | 5,683 |
| Net operating income to assets | 1.5610% | 907 |
| Return on assets (ROA) | 1.5861% | 817 |
| Pretax return on assets | 1.5861% | 1,430 |
| Return on Equity (ROE) | 15.9794% | 777 |
| Retained earnings to average equity (ytd only) | 3.4546% | 2,988 |
| Net charge-offs to loans | 0.1672% | 4,526 |
| Credit loss provision to net charge-offs | 150.0000% | 3,499 |
| Earnings coverage of net charge-offs (x) | 19.3036% | 1,639 |
| Efficiency ratio | 66.1871% | 5,091 |
| Assets per employee ($millions) | 2.3080% | 7,548 |
| Cash dividends to net income (ytd only)* | 78.3810% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4541% | 7,910 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2553% | 6,559 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 51.2232% | 6,915 |
| Net loans and leases to deposits | 63.2280% | 6,861 |
| Net loans and leases to core deposits | 77.9408% | 6,752 |
| Total domestic deposits to total assets | 81.0135% | 4,629 |
| Equity capital to assets | 10.1540% | 3,861 |
| Core capital (leverage) ratio | 9.6298% | 3,848 |
| Tier 1 risk-based capital ratio | 16.7703% | 2,395 |
| Total risk-based capital ratio | 17.1785% | 2,635 |
| Memoranda: | ||
| Average total assets | $63,867,600 | 6,237 |
| Average earning assets | $59,207,800 | 6,212 |
| Average equity | $6,339,400 | 6,692 |
| Average total loans | $33,483,200 | 6,510 |