Home > The First National Bank of Cokato > Performance and Condition Ratios
The First National Bank of Cokato, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5778% | 2,949 |
| Cost of funding earning assets | 1.2889% | 2,555 |
| Net interest margin | 3.2889% | 2,665 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 2.0631% | 3,490 |
| Loan and lease loss provision to assets | 0.2700% | 406 |
| Net operating income to assets | 1.1506% | 1,782 |
| Return on assets (ROA) | 1.1409% | 1,778 |
| Pretax return on assets | 1.2507% | 2,008 |
| Return on Equity (ROE) | 30.0200% | 182 |
| Retained earnings to average equity (ytd only) | 21.8917% | 107 |
| Net charge-offs to loans | 0.2513% | 422 |
| Credit loss provision to net charge-offs | 172.4490% | 1,343 |
| Earnings coverage of net charge-offs (x) | 9.6378% | 2,280 |
| Efficiency ratio | 57.3204% | 3,363 |
| Assets per employee ($millions) | 11.6325% | 454 |
| Cash dividends to net income (ytd only)* | 27.0848% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2655% | 1,945 |
| Loan loss allowance to noncurrent loans | 83.4109% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 1.0081% | 490 |
| Noncurrent loans to loans | 1.5172% | 450 |
| Net loans and leases to total assets | 65.6100% | 2,297 |
| Net loans and leases to deposits | 79.4832% | 2,153 |
| Net loans and leases to core deposits | 85.6617% | 2,326 |
| Total domestic deposits to total assets | 82.5400% | 3,007 |
| Equity capital to assets | 4.6039% | 4,458 |
| Core capital (leverage) ratio | 7.5343% | 4,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6793% | 2,348 |
| Memoranda: | ||
| Average total assets | $122,968,800 | 3,620 |
| Average earning assets | $120,100,800 | 3,544 |
| Average equity | $4,673,000 | 4,291 |
| Average total loans | $77,998,200 | 3,439 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4535% | 3,000 |
| Cost of funding earning assets | 1.2256% | 2,348 |
| Net interest margin | 3.2279% | 2,857 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.0429% | 3,487 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 1.1806% | 1,842 |
| Return on assets (ROA) | 1.1677% | 1,863 |
| Pretax return on assets | 1.2882% | 2,076 |
| Return on Equity (ROE) | 32.5400% | 183 |
| Retained earnings to average equity (ytd only) | 20.9373% | 231 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.0274% | 3,201 |
| Assets per employee ($millions) | 11.5225% | 430 |
| Cash dividends to net income (ytd only)* | 35.6473% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4134% | 1,402 |
| Loan loss allowance to noncurrent loans | 155.8405% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 0.5539% | 1,056 |
| Noncurrent loans to loans | 0.9070% | 911 |
| Net loans and leases to total assets | 60.2000% | 2,823 |
| Net loans and leases to deposits | 68.6414% | 2,933 |
| Net loans and leases to core deposits | 73.1705% | 3,045 |
| Total domestic deposits to total assets | 87.7100% | 1,663 |
| Equity capital to assets | 3.3287% | 4,468 |
| Core capital (leverage) ratio | 7.0764% | 4,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2048% | 2,200 |
| Memoranda: | ||
| Average total assets | $121,721,500 | 3,644 |
| Average earning assets | $118,794,500 | 3,572 |
| Average equity | $4,368,500 | 4,322 |
| Average total loans | $76,241,000 | 3,471 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2795% | 3,134 |
| Cost of funding earning assets | 1.1002% | 2,280 |
| Net interest margin | 3.1794% | 3,036 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 2.0825% | 3,396 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 1.1210% | 2,057 |
| Return on assets (ROA) | 1.1012% | 2,111 |
| Pretax return on assets | 1.2095% | 2,335 |
| Return on Equity (ROE) | 29.9200% | 209 |
| Retained earnings to average equity (ytd only) | 18.8306% | 294 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.1251% | 2,948 |
| Assets per employee ($millions) | 11.0801% | 501 |
| Cash dividends to net income (ytd only)* | 37.0651% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3396% | 1,755 |
| Loan loss allowance to noncurrent loans | 3,531.0345% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.0238% | 3,558 |
| Noncurrent loans to loans | 0.0379% | 3,459 |
| Net loans and leases to total assets | 61.8800% | 2,587 |
| Net loans and leases to deposits | 71.1339% | 2,705 |
| Net loans and leases to core deposits | 75.0804% | 2,825 |
| Total domestic deposits to total assets | 86.9900% | 1,928 |
| Equity capital to assets | 3.8103% | 4,518 |
| Core capital (leverage) ratio | 7.2578% | 4,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0914% | 2,264 |
| Memoranda: | ||
| Average total assets | $120,046,000 | 3,677 |
| Average earning assets | $117,256,667 | 3,599 |
| Average equity | $4,418,333 | 4,349 |
| Average total loans | $75,854,000 | 3,476 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1268% | 3,198 |
| Cost of funding earning assets | 0.9698% | 2,154 |
| Net interest margin | 3.1570% | 3,215 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 1.9643% | 3,702 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 1.2049% | 1,919 |
| Return on assets (ROA) | 1.1651% | 1,998 |
| Pretax return on assets | 1.2826% | 2,219 |
| Return on Equity (ROE) | 32.2400% | 192 |
| Retained earnings to average equity (ytd only) | 25.2700% | 172 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.0732% | 3,295 |
| Assets per employee ($millions) | 10.8672% | 529 |
| Cash dividends to net income (ytd only)* | 21.6138% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3016% | 2,030 |
| Loan loss allowance to noncurrent loans | 969.3069% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.0845% | 2,957 |
| Noncurrent loans to loans | 0.1343% | 2,838 |
| Net loans and leases to total assets | 62.1000% | 2,455 |
| Net loans and leases to deposits | 67.6179% | 2,802 |
| Net loans and leases to core deposits | 71.7784% | 2,837 |
| Total domestic deposits to total assets | 91.8500% | 550 |
| Equity capital to assets | 3.8891% | 4,550 |
| Core capital (leverage) ratio | 7.1742% | 4,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0744% | 2,366 |
| Memoranda: | ||
| Average total assets | $119,128,500 | 3,730 |
| Average earning assets | $116,311,500 | 3,656 |
| Average equity | $4,305,500 | 4,420 |
| Average total loans | $75,559,500 | 3,521 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7609% | 2,372 |
| Cost of funding earning assets | 0.3732% | 2,304 |
| Net interest margin | 3.3877% | 2,302 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 2.1521% | 3,149 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.2731% | 1,521 |
| Return on assets (ROA) | 1.1963% | 1,721 |
| Pretax return on assets | 1.3319% | 1,990 |
| Return on Equity (ROE) | 29.2600% | 127 |
| Retained earnings to average equity (ytd only) | 19.2054% | 108 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.9624% | 3,195 |
| Assets per employee ($millions) | 11.8718% | 401 |
| Cash dividends to net income (ytd only)* | 34.3586% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2306% | 2,248 |
| Loan loss allowance to noncurrent loans | 2,594.4444% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.0303% | 3,509 |
| Noncurrent loans to loans | 0.0474% | 3,413 |
| Net loans and leases to total assets | 63.1500% | 2,315 |
| Net loans and leases to deposits | 69.5866% | 2,618 |
| Net loans and leases to core deposits | 70.6083% | 2,831 |
| Total domestic deposits to total assets | 90.7500% | 1,038 |
| Equity capital to assets | 3.3373% | 4,577 |
| Core capital (leverage) ratio | 6.8949% | 4,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5988% | 2,529 |
| Memoranda: | ||
| Average total assets | $111,423,800 | 3,816 |
| Average earning assets | $108,510,000 | 3,736 |
| Average equity | $4,556,000 | 4,477 |
| Average total loans | $66,604,600 | 3,634 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5946% | 2,364 |
| Cost of funding earning assets | 0.3120% | 2,038 |
| Net interest margin | 3.2826% | 2,345 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 2.0547% | 3,339 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.2786% | 1,429 |
| Return on assets (ROA) | 1.2786% | 1,395 |
| Pretax return on assets | 1.4258% | 1,646 |
| Return on Equity (ROE) | 29.7900% | 106 |
| Retained earnings to average equity (ytd only) | 16.8062% | 227 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.8227% | 3,403 |
| Assets per employee ($millions) | 11.6841% | 422 |
| Cash dividends to net income (ytd only)* | 43.5775% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2832% | 2,112 |
| Loan loss allowance to noncurrent loans | 15,066.6667% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 3,961 |
| Noncurrent loans to loans | 0.0085% | 3,886 |
| Net loans and leases to total assets | 59.5200% | 2,559 |
| Net loans and leases to deposits | 62.6734% | 2,971 |
| Net loans and leases to core deposits | 63.5636% | 3,151 |
| Total domestic deposits to total assets | 94.9700% | 226 |
| Equity capital to assets | 2.4572% | 4,636 |
| Core capital (leverage) ratio | 6.7042% | 4,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9689% | 2,488 |
| Memoranda: | ||
| Average total assets | $109,600,250 | 3,863 |
| Average earning assets | $106,824,250 | 3,785 |
| Average equity | $4,704,500 | 4,501 |
| Average total loans | $64,280,500 | 3,684 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3586% | 2,549 |
| Cost of funding earning assets | 0.2503% | 2,263 |
| Net interest margin | 3.1083% | 2,508 |
| Noninterest income to average assets | 0.3452% | 3,082 |
| Noninterest expense to average assets | 2.0002% | 3,429 |
| Loan and lease loss provision to assets | 0.0560% | 1,580 |
| Net operating income to assets | 1.1737% | 1,523 |
| Return on assets (ROA) | 1.1737% | 1,504 |
| Pretax return on assets | 1.3248% | 1,660 |
| Return on Equity (ROE) | 23.6659% | 146 |
| Retained earnings to average equity (ytd only) | 13.2815% | 438 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1611% | 3,417 |
| Assets per employee ($millions) | 10.9691% | 501 |
| Cash dividends to net income (ytd only)* | 43.8792% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3234% | 2,080 |
| Loan loss allowance to noncurrent loans | 12,485.7143% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 3,982 |
| Noncurrent loans to loans | 0.0106% | 3,906 |
| Net loans and leases to total assets | 59.4114% | 2,393 |
| Net loans and leases to deposits | 63.4711% | 2,771 |
| Net loans and leases to core deposits | 64.1295% | 2,958 |
| Total domestic deposits to total assets | 93.6039% | 367 |
| Equity capital to assets | 3.6530% | 4,656 |
| Core capital (leverage) ratio | 7.2354% | 4,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4973% | 2,293 |
| Memoranda: | ||
| Average total assets | $107,186,667 | 3,925 |
| Average earning assets | $104,686,667 | 3,862 |
| Average equity | $5,315,667 | 4,492 |
| Average total loans | $62,225,000 | 3,753 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2526% | 2,524 |
| Cost of funding earning assets | 0.2091% | 2,679 |
| Net interest margin | 3.0435% | 2,352 |
| Noninterest income to average assets | 0.3398% | 3,059 |
| Noninterest expense to average assets | 1.9861% | 3,463 |
| Loan and lease loss provision to assets | 0.0566% | 1,374 |
| Net operating income to assets | 1.0724% | 1,612 |
| Return on assets (ROA) | 1.0724% | 1,605 |
| Pretax return on assets | 1.2649% | 1,606 |
| Return on Equity (ROE) | 19.0285% | 279 |
| Retained earnings to average equity (ytd only) | 10.5863% | 876 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0457% | 3,479 |
| Assets per employee ($millions) | 10.4638% | 604 |
| Cash dividends to net income (ytd only)* | 44.3662% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4247% | 1,820 |
| Loan loss allowance to noncurrent loans | 10,737.5000% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 4,001 |
| Noncurrent loans to loans | 0.0133% | 3,918 |
| Net loans and leases to total assets | 56.7996% | 2,442 |
| Net loans and leases to deposits | 59.6009% | 2,939 |
| Net loans and leases to core deposits | 59.7813% | 3,166 |
| Total domestic deposits to total assets | 95.3000% | 26 |
| Equity capital to assets | 4.6933% | 4,747 |
| Core capital (leverage) ratio | 6.9899% | 4,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4659% | 2,005 |
| Memoranda: | ||
| Average total assets | $105,934,500 | 3,959 |
| Average earning assets | $103,300,500 | 3,894 |
| Average equity | $5,970,000 | 4,467 |
| Average total loans | $60,316,000 | 3,788 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0171% | 1,322 |
| Cost of funding earning assets | 0.2411% | 3,038 |
| Net interest margin | 3.7760% | 1,061 |
| Noninterest income to average assets | 0.3394% | 3,383 |
| Noninterest expense to average assets | 2.1317% | 3,298 |
| Loan and lease loss provision to assets | 0.0923% | 1,351 |
| Net operating income to assets | 1.5979% | 813 |
| Return on assets (ROA) | 1.6016% | 837 |
| Pretax return on assets | 1.7811% | 951 |
| Return on Equity (ROE) | 22.7996% | 186 |
| Retained earnings to average equity (ytd only) | 13.9688% | 308 |
| Net charge-offs to loans | 0.0018% | 2,582 |
| Credit loss provision to net charge-offs | 9,000.0000% | 73 |
| Earnings coverage of net charge-offs (x) | 1,823.0000% | 77 |
| Efficiency ratio | 53.2804% | 4,002 |
| Assets per employee ($millions) | 10.7231% | 547 |
| Cash dividends to net income (ytd only)* | 38.7324% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3988% | 1,924 |
| Loan loss allowance to noncurrent loans | 9,377.7778% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 4,075 |
| Noncurrent loans to loans | 0.0149% | 3,978 |
| Net loans and leases to total assets | 55.4830% | 2,681 |
| Net loans and leases to deposits | 59.3786% | 3,132 |
| Net loans and leases to core deposits | 59.5575% | 3,347 |
| Total domestic deposits to total assets | 93.4394% | 25 |
| Equity capital to assets | 6.5550% | 4,783 |
| Core capital (leverage) ratio | 6.6978% | 4,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5452% | 2,037 |
| Memoranda: | ||
| Average total assets | $97,525,600 | 4,022 |
| Average earning assets | $94,571,200 | 3,970 |
| Average equity | $6,851,000 | 4,440 |
| Average total loans | $55,008,600 | 3,916 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1281% | 1,242 |
| Cost of funding earning assets | 0.2444% | 3,170 |
| Net interest margin | 3.8837% | 968 |
| Noninterest income to average assets | 0.3421% | 3,402 |
| Noninterest expense to average assets | 2.1044% | 3,348 |
| Loan and lease loss provision to assets | 0.1052% | 1,152 |
| Net operating income to assets | 1.8983% | 561 |
| Return on assets (ROA) | 1.8983% | 584 |
| Pretax return on assets | 1.8983% | 951 |
| Return on Equity (ROE) | 26.5230% | 138 |
| Retained earnings to average equity (ytd only) | 17.0225% | 236 |
| Net charge-offs to loans | 0.0025% | 2,275 |
| Credit loss provision to net charge-offs | 7,500.0000% | 102 |
| Earnings coverage of net charge-offs (x) | 1,429.0000% | 111 |
| Efficiency ratio | 51.2287% | 4,103 |
| Assets per employee ($millions) | 10.9477% | 480 |
| Cash dividends to net income (ytd only)* | 35.8198% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5395% | 1,489 |
| Loan loss allowance to noncurrent loans | 9,211.1111% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 4,193 |
| Noncurrent loans to loans | 0.0167% | 4,081 |
| Net loans and leases to total assets | 48.4294% | 3,580 |
| Net loans and leases to deposits | 51.9066% | 3,894 |
| Net loans and leases to core deposits | 52.0601% | 4,034 |
| Total domestic deposits to total assets | 93.3009% | 23 |
| Equity capital to assets | 6.5575% | 4,864 |
| Core capital (leverage) ratio | 6.9191% | 4,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5758% | 1,457 |
| Memoranda: | ||
| Average total assets | $95,099,250 | 4,092 |
| Average earning assets | $92,211,500 | 4,040 |
| Average equity | $6,806,500 | 4,508 |
| Average total loans | $53,676,000 | 3,986 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0479% | 1,457 |
| Cost of funding earning assets | 0.2408% | 3,366 |
| Net interest margin | 3.8071% | 1,130 |
| Noninterest income to average assets | 0.3588% | 3,315 |
| Noninterest expense to average assets | 2.1637% | 3,203 |
| Loan and lease loss provision to assets | 0.1329% | 931 |
| Net operating income to assets | 1.7385% | 819 |
| Return on assets (ROA) | 1.7385% | 862 |
| Pretax return on assets | 1.7385% | 1,391 |
| Return on Equity (ROE) | 23.4948% | 239 |
| Retained earnings to average equity (ytd only) | 15.7131% | 359 |
| Net charge-offs to loans | 0.0037% | 2,028 |
| Credit loss provision to net charge-offs | 6,000.0000% | 104 |
| Earnings coverage of net charge-offs (x) | 845.0000% | 162 |
| Efficiency ratio | 53.6224% | 3,851 |
| Assets per employee ($millions) | 9.5790% | 692 |
| Cash dividends to net income (ytd only)* | 33.1210% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5578% | 1,398 |
| Loan loss allowance to noncurrent loans | 8,140.0000% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 4,231 |
| Noncurrent loans to loans | 0.0191% | 4,124 |
| Net loans and leases to total assets | 53.6987% | 3,166 |
| Net loans and leases to deposits | 58.1891% | 3,529 |
| Net loans and leases to core deposits | 58.3879% | 3,738 |
| Total domestic deposits to total assets | 92.2831% | 82 |
| Equity capital to assets | 7.2314% | 4,799 |
| Core capital (leverage) ratio | 7.2768% | 4,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2667% | 1,273 |
| Memoranda: | ||
| Average total assets | $90,306,667 | 4,170 |
| Average earning assets | $87,205,333 | 4,124 |
| Average equity | $6,682,333 | 4,546 |
| Average total loans | $53,618,667 | 4,013 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7199% | 2,316 |
| Cost of funding earning assets | 0.2337% | 3,616 |
| Net interest margin | 3.4862% | 1,861 |
| Noninterest income to average assets | 0.3563% | 3,300 |
| Noninterest expense to average assets | 2.1881% | 3,140 |
| Loan and lease loss provision to assets | 0.2056% | 587 |
| Net operating income to assets | 1.3019% | 1,819 |
| Return on assets (ROA) | 1.3019% | 1,901 |
| Pretax return on assets | 1.3019% | 2,565 |
| Return on Equity (ROE) | 17.3780% | 797 |
| Retained earnings to average equity (ytd only) | 9.4512% | 1,810 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2089% | 3,125 |
| Assets per employee ($millions) | 9.2359% | 762 |
| Cash dividends to net income (ytd only)* | 45.6140% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4517% | 1,763 |
| Loan loss allowance to noncurrent loans | 7,272.7273% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.0119% | 4,299 |
| Noncurrent loans to loans | 0.0200% | 4,187 |
| Net loans and leases to total assets | 58.7999% | 2,706 |
| Net loans and leases to deposits | 63.6547% | 3,159 |
| Net loans and leases to core deposits | 63.8793% | 3,425 |
| Total domestic deposits to total assets | 92.3732% | 86 |
| Equity capital to assets | 7.0811% | 4,825 |
| Core capital (leverage) ratio | 7.4847% | 4,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6104% | 1,403 |
| Memoranda: | ||
| Average total assets | $87,565,000 | 4,218 |
| Average earning assets | $83,873,500 | 4,169 |
| Average equity | $6,560,000 | 4,579 |
| Average total loans | $54,302,000 | 4,021 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5045% | 1,302 |
| Cost of funding earning assets | 0.3096% | 4,089 |
| Net interest margin | 4.1949% | 640 |
| Noninterest income to average assets | 0.3863% | 3,171 |
| Noninterest expense to average assets | 2.5381% | 2,726 |
| Loan and lease loss provision to assets | 0.3264% | 1,109 |
| Net operating income to assets | 1.4663% | 884 |
| Return on assets (ROA) | 1.4704% | 957 |
| Pretax return on assets | 1.4704% | 1,439 |
| Return on Equity (ROE) | 17.2249% | 386 |
| Retained earnings to average equity (ytd only) | 9.0825% | 751 |
| Net charge-offs to loans | 0.1258% | 1,247 |
| Credit loss provision to net charge-offs | 380.9524% | 1,491 |
| Earnings coverage of net charge-offs (x) | 20.9206% | 1,921 |
| Efficiency ratio | 58.6055% | 3,646 |
| Assets per employee ($millions) | 8.2771% | 943 |
| Cash dividends to net income (ytd only)* | 47.2710% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4113% | 1,930 |
| Loan loss allowance to noncurrent loans | 6,291.6667% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0145% | 4,340 |
| Noncurrent loans to loans | 0.0224% | 4,244 |
| Net loans and leases to total assets | 63.7204% | 2,401 |
| Net loans and leases to deposits | 69.4138% | 2,944 |
| Net loans and leases to core deposits | 69.6890% | 3,274 |
| Total domestic deposits to total assets | 91.7979% | 87 |
| Equity capital to assets | 7.9496% | 4,728 |
| Core capital (leverage) ratio | 7.7337% | 4,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1300% | 1,483 |
| Memoranda: | ||
| Average total assets | $73,519,400 | 4,334 |
| Average earning assets | $69,131,200 | 4,306 |
| Average equity | $6,275,800 | 4,612 |
| Average total loans | $50,093,200 | 4,110 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4436% | 1,722 |
| Cost of funding earning assets | 0.3323% | 4,140 |
| Net interest margin | 4.1114% | 881 |
| Noninterest income to average assets | 0.3970% | 3,091 |
| Noninterest expense to average assets | 2.4997% | 2,852 |
| Loan and lease loss provision to assets | 0.3370% | 1,146 |
| Net operating income to assets | 1.4062% | 1,086 |
| Return on assets (ROA) | 1.4118% | 1,165 |
| Pretax return on assets | 1.4118% | 1,688 |
| Return on Equity (ROE) | 16.2153% | 525 |
| Retained earnings to average equity (ytd only) | 8.5593% | 1,124 |
| Net charge-offs to loans | 0.1733% | 853 |
| Credit loss provision to net charge-offs | 281.2500% | 1,823 |
| Earnings coverage of net charge-offs (x) | 14.5469% | 2,152 |
| Efficiency ratio | 58.9144% | 3,532 |
| Assets per employee ($millions) | 7.8794% | 1,048 |
| Cash dividends to net income (ytd only)* | 47.2149% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2312% | 2,492 |
| Loan loss allowance to noncurrent loans | 991.4286% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.0888% | 3,986 |
| Noncurrent loans to loans | 0.1242% | 3,883 |
| Net loans and leases to total assets | 70.6602% | 1,860 |
| Net loans and leases to deposits | 77.3815% | 2,606 |
| Net loans and leases to core deposits | 77.3815% | 3,062 |
| Total domestic deposits to total assets | 91.3141% | 122 |
| Equity capital to assets | 8.1618% | 4,650 |
| Core capital (leverage) ratio | 8.0614% | 4,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6854% | 1,327 |
| Memoranda: | ||
| Average total assets | $71,206,500 | 4,371 |
| Average earning assets | $66,610,250 | 4,355 |
| Average equity | $6,199,750 | 4,643 |
| Average total loans | $49,242,250 | 4,149 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5619% | 1,748 |
| Cost of funding earning assets | 0.3666% | 4,192 |
| Net interest margin | 4.1953% | 936 |
| Noninterest income to average assets | 0.4135% | 2,999 |
| Noninterest expense to average assets | 2.5802% | 2,732 |
| Loan and lease loss provision to assets | 0.3495% | 1,210 |
| Net operating income to assets | 1.3833% | 1,148 |
| Return on assets (ROA) | 1.3833% | 1,240 |
| Pretax return on assets | 1.3833% | 1,765 |
| Return on Equity (ROE) | 15.5161% | 634 |
| Retained earnings to average equity (ytd only) | 8.7870% | 1,075 |
| Net charge-offs to loans | 0.2134% | 730 |
| Credit loss provision to net charge-offs | 240.0000% | 1,774 |
| Earnings coverage of net charge-offs (x) | 11.9000% | 2,086 |
| Efficiency ratio | 59.8244% | 3,430 |
| Assets per employee ($millions) | 8.4808% | 811 |
| Cash dividends to net income (ytd only)* | 43.3684% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1659% | 2,696 |
| Loan loss allowance to noncurrent loans | 2,400.0000% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.0354% | 4,369 |
| Noncurrent loans to loans | 0.0486% | 4,288 |
| Net loans and leases to total assets | 71.9654% | 1,710 |
| Net loans and leases to deposits | 79.0232% | 2,537 |
| Net loans and leases to core deposits | 79.0232% | 3,023 |
| Total domestic deposits to total assets | 91.0687% | 135 |
| Equity capital to assets | 8.3273% | 4,573 |
| Core capital (leverage) ratio | 7.9285% | 4,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7856% | 1,301 |
| Memoranda: | ||
| Average total assets | $68,677,333 | 4,420 |
| Average earning assets | $63,832,667 | 4,411 |
| Average equity | $6,122,667 | 4,675 |
| Average total loans | $46,866,333 | 4,196 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7051% | 1,695 |
| Cost of funding earning assets | 0.4000% | 4,359 |
| Net interest margin | 4.3051% | 755 |
| Noninterest income to average assets | 0.4873% | 2,622 |
| Noninterest expense to average assets | 2.7447% | 2,595 |
| Loan and lease loss provision to assets | 0.4009% | 762 |
| Net operating income to assets | 1.2582% | 1,359 |
| Return on assets (ROA) | 1.2582% | 1,460 |
| Pretax return on assets | 1.2582% | 2,005 |
| Return on Equity (ROE) | 13.5864% | 777 |
| Retained earnings to average equity (ytd only) | 9.5238% | 841 |
| Net charge-offs to loans | 0.2352% | 606 |
| Credit loss provision to net charge-offs | 260.0000% | 1,264 |
| Earnings coverage of net charge-offs (x) | 10.7600% | 1,752 |
| Efficiency ratio | 62.3249% | 3,461 |
| Assets per employee ($millions) | 7.6294% | 851 |
| Cash dividends to net income (ytd only)* | 29.9020% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4422% | 1,544 |
| Loan loss allowance to noncurrent loans | 1,166.0377% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.0772% | 4,220 |
| Noncurrent loans to loans | 0.1237% | 4,023 |
| Net loans and leases to total assets | 61.5073% | 3,348 |
| Net loans and leases to deposits | 67.6643% | 3,748 |
| Net loans and leases to core deposits | 67.6643% | 4,006 |
| Total domestic deposits to total assets | 90.9008% | 121 |
| Equity capital to assets | 9.0395% | 4,580 |
| Core capital (leverage) ratio | 9.2122% | 4,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3925% | 1,784 |
| Memoranda: | ||
| Average total assets | $64,852,500 | 4,488 |
| Average earning assets | $58,999,500 | 4,501 |
| Average equity | $6,006,000 | 4,724 |
| Average total loans | $42,511,000 | 4,317 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6641% | 2,425 |
| Cost of funding earning assets | 0.3657% | 4,550 |
| Net interest margin | 4.2984% | 1,094 |
| Noninterest income to average assets | 0.5056% | 2,701 |
| Noninterest expense to average assets | 2.7419% | 2,770 |
| Loan and lease loss provision to assets | 0.2836% | 610 |
| Net operating income to assets | 1.5751% | 884 |
| Return on assets (ROA) | 1.5735% | 947 |
| Pretax return on assets | 1.5735% | 1,573 |
| Return on Equity (ROE) | 17.6404% | 368 |
| Retained earnings to average equity (ytd only) | 9.3198% | 631 |
| Net charge-offs to loans | 0.4506% | 419 |
| Credit loss provision to net charge-offs | 92.5926% | 2,620 |
| Earnings coverage of net charge-offs (x) | 6.0688% | 3,009 |
| Efficiency ratio | 59.5985% | 3,754 |
| Assets per employee ($millions) | 6.7822% | 1,135 |
| Cash dividends to net income (ytd only)* | 47.1679% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3706% | 1,626 |
| Loan loss allowance to noncurrent loans | 731.6456% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.1294% | 3,995 |
| Noncurrent loans to loans | 0.1873% | 3,780 |
| Net loans and leases to total assets | 68.1389% | 2,665 |
| Net loans and leases to deposits | 75.3260% | 3,235 |
| Net loans and leases to core deposits | 75.3260% | 3,621 |
| Total domestic deposits to total assets | 90.4587% | 203 |
| Equity capital to assets | 9.5102% | 4,345 |
| Core capital (leverage) ratio | 9.6874% | 3,865 |
| Tier 1 risk-based capital ratio | 14.3186% | 3,106 |
| Total risk-based capital ratio | 15.5692% | 3,020 |
| Memoranda: | ||
| Average total assets | $61,709,800 | 4,570 |
| Average earning assets | $58,790,000 | 4,540 |
| Average equity | $5,504,400 | 4,826 |
| Average total loans | $41,943,200 | 4,360 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6512% | 2,561 |
| Cost of funding earning assets | 0.3580% | 4,634 |
| Net interest margin | 4.2932% | 1,175 |
| Noninterest income to average assets | 0.4977% | 2,743 |
| Noninterest expense to average assets | 2.6374% | 3,050 |
| Loan and lease loss provision to assets | 0.3017% | 489 |
| Net operating income to assets | 1.6678% | 792 |
| Return on assets (ROA) | 1.6656% | 843 |
| Pretax return on assets | 1.6656% | 1,432 |
| Return on Equity (ROE) | 18.9831% | 314 |
| Retained earnings to average equity (ytd only) | 10.6827% | 588 |
| Net charge-offs to loans | 0.5220% | 325 |
| Credit loss provision to net charge-offs | 85.3659% | 2,443 |
| Earnings coverage of net charge-offs (x) | 5.5732% | 2,910 |
| Efficiency ratio | 57.2498% | 4,033 |
| Assets per employee ($millions) | 6.7601% | 1,128 |
| Cash dividends to net income (ytd only)* | 43.7262% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3622% | 1,714 |
| Loan loss allowance to noncurrent loans | 546.1538% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.1709% | 3,893 |
| Noncurrent loans to loans | 0.2494% | 3,646 |
| Net loans and leases to total assets | 67.5992% | 2,851 |
| Net loans and leases to deposits | 74.6791% | 3,419 |
| Net loans and leases to core deposits | 74.6791% | 3,789 |
| Total domestic deposits to total assets | 90.5196% | 170 |
| Equity capital to assets | 9.4032% | 4,528 |
| Core capital (leverage) ratio | 9.4573% | 4,210 |
| Tier 1 risk-based capital ratio | 14.2280% | 3,206 |
| Total risk-based capital ratio | 15.4777% | 3,111 |
| Memoranda: | ||
| Average total assets | $61,877,250 | 4,626 |
| Average earning assets | $59,223,250 | 4,586 |
| Average equity | $5,429,250 | 4,899 |
| Average total loans | $41,886,500 | 4,420 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5810% | 2,733 |
| Cost of funding earning assets | 0.3401% | 4,715 |
| Net interest margin | 4.2409% | 1,266 |
| Noninterest income to average assets | 0.4982% | 2,694 |
| Noninterest expense to average assets | 2.6357% | 3,098 |
| Loan and lease loss provision to assets | 0.1768% | 1,014 |
| Net operating income to assets | 1.7743% | 629 |
| Return on assets (ROA) | 1.7743% | 650 |
| Pretax return on assets | 1.7743% | 1,097 |
| Return on Equity (ROE) | 20.7052% | 214 |
| Retained earnings to average equity (ytd only) | 11.7779% | 433 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4632% | 4,076 |
| Assets per employee ($millions) | 6.9273% | 1,037 |
| Cash dividends to net income (ytd only)* | 43.1159% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5122% | 1,236 |
| Loan loss allowance to noncurrent loans | 529.5082% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.1957% | 3,795 |
| Noncurrent loans to loans | 0.2856% | 3,508 |
| Net loans and leases to total assets | 67.4847% | 2,891 |
| Net loans and leases to deposits | 74.1837% | 3,502 |
| Net loans and leases to core deposits | 74.1837% | 3,879 |
| Total domestic deposits to total assets | 90.9697% | 110 |
| Equity capital to assets | 8.9853% | 4,803 |
| Core capital (leverage) ratio | 9.0906% | 4,561 |
| Tier 1 risk-based capital ratio | 13.4966% | 3,583 |
| Total risk-based capital ratio | 14.7488% | 3,482 |
| Memoranda: | ||
| Average total assets | $62,222,670 | 4,653 |
| Average earning assets | $59,987,330 | 4,608 |
| Average equity | $5,332,000 | 4,945 |
| Average total loans | $41,950,000 | 4,448 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5430% | 2,723 |
| Cost of funding earning assets | 0.3264% | 4,748 |
| Net interest margin | 4.2166% | 1,271 |
| Noninterest income to average assets | 0.4955% | 2,579 |
| Noninterest expense to average assets | 2.6447% | 3,066 |
| Loan and lease loss provision to assets | 0.0965% | 1,817 |
| Net operating income to assets | 1.8275% | 536 |
| Return on assets (ROA) | 1.8275% | 554 |
| Pretax return on assets | 1.8275% | 928 |
| Return on Equity (ROE) | 21.8588% | 175 |
| Retained earnings to average equity (ytd only) | 12.7766% | 492 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8873% | 4,093 |
| Assets per employee ($millions) | 6.9120% | 1,036 |
| Cash dividends to net income (ytd only)* | 41.5493% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4540% | 1,497 |
| Loan loss allowance to noncurrent loans | 3,787.5000% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.0257% | 4,721 |
| Noncurrent loans to loans | 0.0384% | 4,595 |
| Net loans and leases to total assets | 66.0221% | 3,047 |
| Net loans and leases to deposits | 72.2661% | 3,585 |
| Net loans and leases to core deposits | 72.2661% | 3,925 |
| Total domestic deposits to total assets | 91.3596% | 111 |
| Equity capital to assets | 8.6146% | 4,917 |
| Core capital (leverage) ratio | 8.8206% | 4,776 |
| Tier 1 risk-based capital ratio | 13.5167% | 3,594 |
| Total risk-based capital ratio | 14.7679% | 3,505 |
| Memoranda: | ||
| Average total assets | $62,161,000 | 4,703 |
| Average earning assets | $60,049,000 | 4,649 |
| Average equity | $5,197,000 | 5,002 |
| Average total loans | $41,565,000 | 4,500 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3297% | 3,008 |
| Cost of funding earning assets | 0.2442% | 4,831 |
| Net interest margin | 4.0855% | 1,728 |
| Noninterest income to average assets | 0.5481% | 2,556 |
| Noninterest expense to average assets | 2.6233% | 3,263 |
| Loan and lease loss provision to assets | 0.0964% | 2,232 |
| Net operating income to assets | 1.7280% | 645 |
| Return on assets (ROA) | 1.7087% | 666 |
| Pretax return on assets | 1.7087% | 1,147 |
| Return on Equity (ROE) | 22.6691% | 139 |
| Retained earnings to average equity (ytd only) | 12.8380% | 246 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9808% | 4,021 |
| Assets per employee ($millions) | 6.9016% | 1,016 |
| Cash dividends to net income (ytd only)* | 43.3678% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4281% | 1,527 |
| Loan loss allowance to noncurrent loans | 3,700.0000% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.0258% | 4,734 |
| Noncurrent loans to loans | 0.0386% | 4,588 |
| Net loans and leases to total assets | 65.7839% | 3,162 |
| Net loans and leases to deposits | 71.6031% | 3,703 |
| Net loans and leases to core deposits | 71.6031% | 4,022 |
| Total domestic deposits to total assets | 91.8730% | 81 |
| Equity capital to assets | 8.1061% | 5,125 |
| Core capital (leverage) ratio | 8.2974% | 5,122 |
| Tier 1 risk-based capital ratio | 13.0946% | 3,793 |
| Total risk-based capital ratio | 14.3471% | 3,682 |
| Memoranda: | ||
| Average total assets | $62,212,000 | 4,713 |
| Average earning assets | $59,380,200 | 4,676 |
| Average equity | $4,689,200 | 5,091 |
| Average total loans | $38,498,200 | 4,599 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2527% | 3,140 |
| Cost of funding earning assets | 0.2275% | 4,903 |
| Net interest margin | 4.0252% | 1,875 |
| Noninterest income to average assets | 0.5292% | 2,679 |
| Noninterest expense to average assets | 2.5665% | 3,396 |
| Loan and lease loss provision to assets | 0.0964% | 2,051 |
| Net operating income to assets | 1.6946% | 759 |
| Return on assets (ROA) | 1.6946% | 758 |
| Pretax return on assets | 1.6946% | 1,292 |
| Return on Equity (ROE) | 22.9133% | 138 |
| Retained earnings to average equity (ytd only) | 13.0355% | 357 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8987% | 3,976 |
| Assets per employee ($millions) | 7.1241% | 891 |
| Cash dividends to net income (ytd only)* | 43.1104% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4823% | 1,406 |
| Loan loss allowance to noncurrent loans | 3,394.1176% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0780% | 4,584 |
| Noncurrent loans to loans | 0.0437% | 4,704 |
| Net loans and leases to total assets | 59.8110% | 3,863 |
| Net loans and leases to deposits | 64.6390% | 4,301 |
| Net loans and leases to core deposits | 64.6390% | 4,481 |
| Total domestic deposits to total assets | 92.5308% | 54 |
| Equity capital to assets | 7.4130% | 5,324 |
| Core capital (leverage) ratio | 8.3701% | 5,163 |
| Tier 1 risk-based capital ratio | 13.0036% | 3,901 |
| Total risk-based capital ratio | 14.2541% | 3,812 |
| Memoranda: | ||
| Average total assets | $62,236,500 | 4,768 |
| Average earning assets | $59,192,250 | 4,732 |
| Average equity | $4,602,750 | 5,163 |
| Average total loans | $37,759,500 | 4,664 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2462% | 2,957 |
| Cost of funding earning assets | 0.2294% | 4,862 |
| Net interest margin | 4.0168% | 1,802 |
| Noninterest income to average assets | 0.5389% | 2,643 |
| Noninterest expense to average assets | 2.6197% | 3,269 |
| Loan and lease loss provision to assets | 0.0974% | 1,988 |
| Net operating income to assets | 1.6296% | 849 |
| Return on assets (ROA) | 1.6296% | 852 |
| Pretax return on assets | 1.6296% | 1,403 |
| Return on Equity (ROE) | 22.0530% | 164 |
| Retained earnings to average equity (ytd only) | 12.2126% | 490 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2689% | 3,899 |
| Assets per employee ($millions) | 6.6469% | 1,102 |
| Cash dividends to net income (ytd only)* | 44.6215% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5077% | 1,374 |
| Loan loss allowance to noncurrent loans | 3,122.2222% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.0853% | 4,583 |
| Noncurrent loans to loans | 0.0483% | 4,699 |
| Net loans and leases to total assets | 61.3704% | 3,664 |
| Net loans and leases to deposits | 66.5500% | 4,137 |
| Net loans and leases to core deposits | 66.5500% | 4,343 |
| Total domestic deposits to total assets | 92.2169% | 71 |
| Equity capital to assets | 7.7497% | 5,307 |
| Core capital (leverage) ratio | 7.9443% | 5,364 |
| Tier 1 risk-based capital ratio | 13.1033% | 3,847 |
| Total risk-based capital ratio | 14.3542% | 3,763 |
| Memoranda: | ||
| Average total assets | $61,609,670 | 4,840 |
| Average earning assets | $58,405,330 | 4,808 |
| Average equity | $4,552,670 | 5,227 |
| Average total loans | $37,370,670 | 4,722 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1460% | 3,073 |
| Cost of funding earning assets | 0.2367% | 4,790 |
| Net interest margin | 3.9093% | 2,012 |
| Noninterest income to average assets | 0.5312% | 2,625 |
| Noninterest expense to average assets | 2.5087% | 3,616 |
| Loan and lease loss provision to assets | 0.0960% | 1,911 |
| Net operating income to assets | 1.6255% | 811 |
| Return on assets (ROA) | 1.6255% | 812 |
| Pretax return on assets | 1.6255% | 1,315 |
| Return on Equity (ROE) | 22.5227% | 147 |
| Retained earnings to average equity (ytd only) | 11.8821% | 702 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3041% | 4,164 |
| Assets per employee ($millions) | 7.3179% | 840 |
| Cash dividends to net income (ytd only)* | 47.2441% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4537% | 1,642 |
| Loan loss allowance to noncurrent loans | 2,735.0000% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.0805% | 4,682 |
| Noncurrent loans to loans | 0.0532% | 4,743 |
| Net loans and leases to total assets | 56.3034% | 4,098 |
| Net loans and leases to deposits | 60.4631% | 4,441 |
| Net loans and leases to core deposits | 61.7365% | 4,568 |
| Total domestic deposits to total assets | 93.1204% | 38 |
| Equity capital to assets | 6.8447% | 5,524 |
| Core capital (leverage) ratio | 7.7793% | 5,455 |
| Tier 1 risk-based capital ratio | 12.2471% | 4,407 |
| Total risk-based capital ratio | 13.4971% | 4,304 |
| Memoranda: | ||
| Average total assets | $62,503,500 | 4,883 |
| Average earning assets | $59,141,500 | 4,846 |
| Average equity | $4,511,000 | 5,286 |
| Average total loans | $37,418,500 | 4,769 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2133% | 2,635 |
| Cost of funding earning assets | 0.1867% | 5,052 |
| Net interest margin | 4.0265% | 1,668 |
| Noninterest income to average assets | 0.5234% | 2,856 |
| Noninterest expense to average assets | 2.6891% | 3,165 |
| Loan and lease loss provision to assets | 0.1057% | 2,121 |
| Net operating income to assets | 1.4520% | 902 |
| Return on assets (ROA) | 1.4979% | 825 |
| Pretax return on assets | 1.4979% | 1,649 |
| Return on Equity (ROE) | 19.4241% | 218 |
| Retained earnings to average equity (ytd only) | 9.9634% | 353 |
| Net charge-offs to loans | -0.1459% | 5,461 |
| Credit loss provision to net charge-offs | -120.0000% | 4,733 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3195% | 3,714 |
| Assets per employee ($millions) | 6.5718% | 1,168 |
| Cash dividends to net income (ytd only)* | 48.7059% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4298% | 1,652 |
| Loan loss allowance to noncurrent loans | 2,800.0000% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.0879% | 4,685 |
| Noncurrent loans to loans | 0.0511% | 4,761 |
| Net loans and leases to total assets | 62.0093% | 3,623 |
| Net loans and leases to deposits | 67.6666% | 4,050 |
| Net loans and leases to core deposits | 69.2837% | 4,220 |
| Total domestic deposits to total assets | 91.6393% | 121 |
| Equity capital to assets | 7.6320% | 5,509 |
| Core capital (leverage) ratio | 8.0505% | 5,422 |
| Tier 1 risk-based capital ratio | 12.2548% | 4,363 |
| Total risk-based capital ratio | 13.5049% | 4,266 |
| Memoranda: | ||
| Average total assets | $56,747,800 | 5,031 |
| Average earning assets | $52,477,000 | 5,025 |
| Average equity | $4,376,000 | 5,364 |
| Average total loans | $34,269,800 | 4,889 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1330% | 2,860 |
| Cost of funding earning assets | 0.1691% | 5,207 |
| Net interest margin | 3.9639% | 1,821 |
| Noninterest income to average assets | 0.5177% | 2,920 |
| Noninterest expense to average assets | 2.7284% | 2,965 |
| Loan and lease loss provision to assets | 0.0712% | 2,653 |
| Net operating income to assets | 1.3915% | 1,104 |
| Return on assets (ROA) | 1.4533% | 1,001 |
| Pretax return on assets | 1.4533% | 1,933 |
| Return on Equity (ROE) | 18.7949% | 290 |
| Retained earnings to average equity (ytd only) | 10.3803% | 511 |
| Net charge-offs to loans | -0.1988% | 5,540 |
| Credit loss provision to net charge-offs | -60.0000% | 4,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0992% | 3,358 |
| Assets per employee ($millions) | 6.4699% | 1,203 |
| Cash dividends to net income (ytd only)* | 44.7707% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3842% | 1,955 |
| Loan loss allowance to noncurrent loans | 2,510.0000% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.0910% | 4,781 |
| Noncurrent loans to loans | 0.0551% | 4,862 |
| Net loans and leases to total assets | 61.4196% | 3,729 |
| Net loans and leases to deposits | 68.8683% | 4,050 |
| Net loans and leases to core deposits | 69.6828% | 4,257 |
| Total domestic deposits to total assets | 89.1841% | 786 |
| Equity capital to assets | 7.8208% | 5,563 |
| Core capital (leverage) ratio | 7.9490% | 5,525 |
| Tier 1 risk-based capital ratio | 12.1209% | 4,536 |
| Total risk-based capital ratio | 13.3707% | 4,430 |
| Memoranda: | ||
| Average total assets | $56,148,250 | 5,100 |
| Average earning assets | $52,035,250 | 5,088 |
| Average equity | $4,341,500 | 5,426 |
| Average total loans | $33,535,250 | 4,961 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1029% | 2,817 |
| Cost of funding earning assets | 0.1454% | 5,364 |
| Net interest margin | 3.9575% | 1,747 |
| Noninterest income to average assets | 0.5013% | 3,016 |
| Noninterest expense to average assets | 2.7410% | 2,955 |
| Loan and lease loss provision to assets | 0.0361% | 3,284 |
| Net operating income to assets | 1.3561% | 1,160 |
| Return on assets (ROA) | 1.4498% | 977 |
| Pretax return on assets | 1.4498% | 1,822 |
| Return on Equity (ROE) | 18.8261% | 274 |
| Retained earnings to average equity (ytd only) | 9.9282% | 600 |
| Net charge-offs to loans | -0.3065% | 5,645 |
| Credit loss provision to net charge-offs | -20.0000% | 4,235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3176% | 3,299 |
| Assets per employee ($millions) | 6.5046% | 1,153 |
| Cash dividends to net income (ytd only)* | 47.2637% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3967% | 1,963 |
| Loan loss allowance to noncurrent loans | 2,410.0000% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.0905% | 4,827 |
| Noncurrent loans to loans | 0.0580% | 4,897 |
| Net loans and leases to total assets | 58.1268% | 4,015 |
| Net loans and leases to deposits | 62.9705% | 4,436 |
| Net loans and leases to core deposits | 63.6859% | 4,625 |
| Total domestic deposits to total assets | 92.3080% | 51 |
| Equity capital to assets | 7.6254% | 5,633 |
| Core capital (leverage) ratio | 8.1891% | 5,435 |
| Tier 1 risk-based capital ratio | 12.1177% | 4,557 |
| Total risk-based capital ratio | 13.3672% | 4,435 |
| Memoranda: | ||
| Average total assets | $55,454,670 | 5,148 |
| Average earning assets | $50,891,000 | 5,142 |
| Average equity | $4,270,670 | 5,479 |
| Average total loans | $32,625,000 | 5,022 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9455% | 3,223 |
| Cost of funding earning assets | 0.1514% | 5,364 |
| Net interest margin | 3.7940% | 2,133 |
| Noninterest income to average assets | 0.4971% | 3,003 |
| Noninterest expense to average assets | 2.6710% | 3,250 |
| Loan and lease loss provision to assets | 0.0742% | 2,321 |
| Net operating income to assets | 1.2836% | 1,281 |
| Return on assets (ROA) | 1.4765% | 879 |
| Pretax return on assets | 1.4765% | 1,619 |
| Return on Equity (ROE) | 19.0704% | 283 |
| Retained earnings to average equity (ytd only) | 8.5290% | 1,267 |
| Net charge-offs to loans | -0.6186% | 5,755 |
| Credit loss provision to net charge-offs | -20.4082% | 3,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2983% | 3,447 |
| Assets per employee ($millions) | 6.0340% | 1,486 |
| Cash dividends to net income (ytd only)* | 55.2764% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5415% | 1,539 |
| Loan loss allowance to noncurrent loans | 2,290.4762% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.0994% | 4,872 |
| Noncurrent loans to loans | 0.0673% | 4,928 |
| Net loans and leases to total assets | 56.5739% | 4,110 |
| Net loans and leases to deposits | 61.4128% | 4,470 |
| Net loans and leases to core deposits | 61.8368% | 4,668 |
| Total domestic deposits to total assets | 92.1206% | 90 |
| Equity capital to assets | 7.8223% | 5,592 |
| Core capital (leverage) ratio | 8.2036% | 5,445 |
| Tier 1 risk-based capital ratio | 13.0510% | 4,048 |
| Total risk-based capital ratio | 14.3017% | 3,953 |
| Memoranda: | ||
| Average total assets | $53,911,500 | 5,229 |
| Average earning assets | $50,184,000 | 5,210 |
| Average equity | $4,174,000 | 5,552 |
| Average total loans | $31,682,500 | 5,103 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9046% | 3,555 |
| Cost of funding earning assets | 0.1445% | 5,456 |
| Net interest margin | 3.7601% | 2,468 |
| Noninterest income to average assets | 0.5163% | 3,122 |
| Noninterest expense to average assets | 2.8503% | 2,843 |
| Loan and lease loss provision to assets | 0.1143% | 2,157 |
| Net operating income to assets | 1.0212% | 2,255 |
| Return on assets (ROA) | 1.0212% | 2,365 |
| Pretax return on assets | 1.0212% | 3,402 |
| Return on Equity (ROE) | 12.8778% | 1,020 |
| Retained earnings to average equity (ytd only) | 7.5921% | 1,001 |
| Net charge-offs to loans | 0.0181% | 3,703 |
| Credit loss provision to net charge-offs | 1,200.0000% | 325 |
| Earnings coverage of net charge-offs (x) | 119.2000% | 507 |
| Efficiency ratio | 71.5105% | 2,667 |
| Assets per employee ($millions) | 5.9463% | 1,518 |
| Cash dividends to net income (ytd only)* | 41.0448% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3121% | 2,481 |
| Loan loss allowance to noncurrent loans | 42,200.0000% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.0635% | 5,078 |
| Noncurrent loans to loans | 0.0031% | 5,306 |
| Net loans and leases to total assets | 59.3064% | 3,924 |
| Net loans and leases to deposits | 64.2529% | 4,393 |
| Net loans and leases to core deposits | 64.7022% | 4,596 |
| Total domestic deposits to total assets | 92.3015% | 79 |
| Equity capital to assets | 7.6611% | 5,675 |
| Core capital (leverage) ratio | 8.1190% | 5,547 |
| Tier 1 risk-based capital ratio | 12.5852% | 4,337 |
| Total risk-based capital ratio | 13.8348% | 4,229 |
| Memoranda: | ||
| Average total assets | $52,486,400 | 5,298 |
| Average earning assets | $48,429,800 | 5,279 |
| Average equity | $4,162,200 | 5,616 |
| Average total loans | $27,699,800 | 5,279 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8958% | 3,600 |
| Cost of funding earning assets | 0.1418% | 5,531 |
| Net interest margin | 3.7540% | 2,508 |
| Noninterest income to average assets | 0.5208% | 3,109 |
| Noninterest expense to average assets | 2.8974% | 2,651 |
| Loan and lease loss provision to assets | 0.1149% | 2,013 |
| Net operating income to assets | 0.9547% | 2,629 |
| Return on assets (ROA) | 0.9547% | 2,770 |
| Pretax return on assets | 0.9547% | 3,793 |
| Return on Equity (ROE) | 11.9359% | 1,346 |
| Retained earnings to average equity (ytd only) | 6.6701% | 1,802 |
| Net charge-offs to loans | 0.0150% | 3,430 |
| Credit loss provision to net charge-offs | 1,500.0000% | 305 |
| Earnings coverage of net charge-offs (x) | 139.6625% | 497 |
| Efficiency ratio | 73.0373% | 2,434 |
| Assets per employee ($millions) | 5.7236% | 1,638 |
| Cash dividends to net income (ytd only)* | 44.1171% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4676% | 1,900 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0641% | 5,187 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 53.3080% | 4,555 |
| Net loans and leases to deposits | 58.3473% | 4,861 |
| Net loans and leases to core deposits | 58.7744% | 5,008 |
| Total domestic deposits to total assets | 91.3632% | 132 |
| Equity capital to assets | 8.5262% | 5,512 |
| Core capital (leverage) ratio | 7.8206% | 5,754 |
| Tier 1 risk-based capital ratio | 13.8761% | 3,624 |
| Total risk-based capital ratio | 15.1247% | 3,549 |
| Memoranda: | ||
| Average total assets | $52,228,750 | 5,355 |
| Average earning assets | $47,947,250 | 5,342 |
| Average equity | $4,177,750 | 5,680 |
| Average total loans | $26,584,500 | 5,358 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7995% | 3,959 |
| Cost of funding earning assets | 0.1457% | 5,575 |
| Net interest margin | 3.6539% | 2,880 |
| Noninterest income to average assets | 0.4917% | 3,251 |
| Noninterest expense to average assets | 2.8780% | 2,751 |
| Loan and lease loss provision to assets | 0.1144% | 1,975 |
| Net operating income to assets | 0.8462% | 3,112 |
| Return on assets (ROA) | 0.8462% | 3,241 |
| Pretax return on assets | 0.8462% | 4,135 |
| Return on Equity (ROE) | 10.8126% | 1,715 |
| Retained earnings to average equity (ytd only) | 5.6985% | 2,299 |
| Net charge-offs to loans | 0.0153% | 3,226 |
| Credit loss provision to net charge-offs | 1,500.0000% | 264 |
| Earnings coverage of net charge-offs (x) | 126.0000% | 472 |
| Efficiency ratio | 74.9752% | 2,223 |
| Assets per employee ($millions) | 5.8204% | 1,531 |
| Cash dividends to net income (ytd only)* | 47.2973% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5032% | 1,846 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0630% | 5,303 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 49.4082% | 4,882 |
| Net loans and leases to deposits | 53.8390% | 5,148 |
| Net loans and leases to core deposits | 54.2247% | 5,265 |
| Total domestic deposits to total assets | 91.7704% | 105 |
| Equity capital to assets | 8.1628% | 5,749 |
| Core capital (leverage) ratio | 7.9557% | 5,751 |
| Tier 1 risk-based capital ratio | 14.3554% | 3,401 |
| Total risk-based capital ratio | 15.6054% | 3,323 |
| Memoranda: | ||
| Average total assets | $52,467,670 | 5,409 |
| Average earning assets | $48,058,670 | 5,394 |
| Average equity | $4,106,330 | 5,751 |
| Average total loans | $26,156,330 | 5,427 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7724% | 4,053 |
| Cost of funding earning assets | 0.1489% | 5,618 |
| Net interest margin | 3.6235% | 2,989 |
| Noninterest income to average assets | 0.4647% | 3,381 |
| Noninterest expense to average assets | 2.7881% | 3,119 |
| Loan and lease loss provision to assets | 0.1143% | 1,832 |
| Net operating income to assets | 0.8989% | 2,761 |
| Return on assets (ROA) | 0.8989% | 2,889 |
| Pretax return on assets | 0.8989% | 3,846 |
| Return on Equity (ROE) | 11.7369% | 1,389 |
| Retained earnings to average equity (ytd only) | 6.7636% | 2,000 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3467% | 2,583 |
| Assets per employee ($millions) | 5.7006% | 1,664 |
| Cash dividends to net income (ytd only)* | 42.3729% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4372% | 2,256 |
| Loan loss allowance to noncurrent loans | 258.1081% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.3528% | 4,154 |
| Noncurrent loans to loans | 0.5568% | 3,517 |
| Net loans and leases to total assets | 51.0613% | 4,718 |
| Net loans and leases to deposits | 55.5692% | 5,011 |
| Net loans and leases to core deposits | 55.9753% | 5,132 |
| Total domestic deposits to total assets | 91.8877% | 118 |
| Equity capital to assets | 8.0343% | 5,813 |
| Core capital (leverage) ratio | 7.7629% | 5,861 |
| Tier 1 risk-based capital ratio | 14.1076% | 3,613 |
| Total risk-based capital ratio | 15.3582% | 3,545 |
| Memoranda: | ||
| Average total assets | $52,509,500 | 5,462 |
| Average earning assets | $48,351,500 | 5,440 |
| Average equity | $4,021,500 | 5,809 |
| Average total loans | $26,096,000 | 5,481 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7938% | 4,065 |
| Cost of funding earning assets | 0.1714% | 5,522 |
| Net interest margin | 3.6225% | 3,049 |
| Noninterest income to average assets | 0.5244% | 3,170 |
| Noninterest expense to average assets | 2.9697% | 2,642 |
| Loan and lease loss provision to assets | 0.1206% | 1,990 |
| Net operating income to assets | 0.7897% | 3,379 |
| Return on assets (ROA) | 0.7133% | 3,859 |
| Pretax return on assets | 0.7133% | 4,491 |
| Return on Equity (ROE) | 9.1693% | 2,380 |
| Retained earnings to average equity (ytd only) | 3.5902% | 3,504 |
| Net charge-offs to loans | -0.0039% | 4,938 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,739 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5407% | 2,187 |
| Assets per employee ($millions) | 5.3714% | 1,929 |
| Cash dividends to net income (ytd only)* | 60.8451% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4329% | 2,283 |
| Loan loss allowance to noncurrent loans | 7,340.0000% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0707% | 5,353 |
| Noncurrent loans to loans | 0.0195% | 5,438 |
| Net loans and leases to total assets | 47.0008% | 5,092 |
| Net loans and leases to deposits | 50.7355% | 5,351 |
| Net loans and leases to core deposits | 51.8739% | 5,415 |
| Total domestic deposits to total assets | 92.6388% | 61 |
| Equity capital to assets | 7.2998% | 6,009 |
| Core capital (leverage) ratio | 7.5791% | 5,957 |
| Tier 1 risk-based capital ratio | 14.0478% | 3,690 |
| Total risk-based capital ratio | 15.2968% | 3,612 |
| Memoranda: | ||
| Average total assets | $49,768,600 | 5,549 |
| Average earning assets | $46,101,000 | 5,524 |
| Average equity | $3,871,600 | 5,876 |
| Average total loans | $25,323,800 | 5,542 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8004% | 4,085 |
| Cost of funding earning assets | 0.1783% | 5,569 |
| Net interest margin | 3.6221% | 3,071 |
| Noninterest income to average assets | 0.5357% | 3,132 |
| Noninterest expense to average assets | 2.9655% | 2,618 |
| Loan and lease loss provision to assets | 0.1230% | 1,852 |
| Net operating income to assets | 0.8336% | 3,260 |
| Return on assets (ROA) | 0.7298% | 3,874 |
| Pretax return on assets | 0.7298% | 4,572 |
| Return on Equity (ROE) | 9.2243% | 2,451 |
| Retained earnings to average equity (ytd only) | 3.6621% | 3,857 |
| Net charge-offs to loans | -0.0317% | 5,381 |
| Credit loss provision to net charge-offs | -750.0000% | 5,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6098% | 2,304 |
| Assets per employee ($millions) | 5.0623% | 2,222 |
| Cash dividends to net income (ytd only)* | 60.2994% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3493% | 2,857 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0652% | 5,506 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 51.5615% | 4,795 |
| Net loans and leases to deposits | 56.0201% | 5,121 |
| Net loans and leases to core deposits | 58.6456% | 5,149 |
| Total domestic deposits to total assets | 92.0412% | 95 |
| Equity capital to assets | 7.8798% | 5,999 |
| Core capital (leverage) ratio | 8.0334% | 5,883 |
| Tier 1 risk-based capital ratio | 13.8168% | 3,959 |
| Total risk-based capital ratio | 15.0664% | 3,898 |
| Memoranda: | ||
| Average total assets | $48,782,250 | 5,641 |
| Average earning assets | $45,608,000 | 5,609 |
| Average equity | $3,859,250 | 5,956 |
| Average total loans | $25,251,500 | 5,607 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7350% | 4,297 |
| Cost of funding earning assets | 0.1810% | 5,603 |
| Net interest margin | 3.5540% | 3,270 |
| Noninterest income to average assets | 0.5356% | 3,133 |
| Noninterest expense to average assets | 2.9853% | 2,602 |
| Loan and lease loss provision to assets | 0.1246% | 1,777 |
| Net operating income to assets | 0.7681% | 3,546 |
| Return on assets (ROA) | 0.6104% | 4,409 |
| Pretax return on assets | 0.6104% | 4,949 |
| Return on Equity (ROE) | 7.7044% | 3,209 |
| Retained earnings to average equity (ytd only) | 2.1488% | 4,634 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9807% | 2,206 |
| Assets per employee ($millions) | 5.2753% | 1,955 |
| Cash dividends to net income (ytd only)* | 72.1088% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2901% | 3,298 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0695% | 5,585 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 54.1472% | 4,538 |
| Net loans and leases to deposits | 61.1877% | 4,756 |
| Net loans and leases to core deposits | 65.3632% | 4,706 |
| Total domestic deposits to total assets | 88.4936% | 1,413 |
| Equity capital to assets | 8.0753% | 5,947 |
| Core capital (leverage) ratio | 7.9679% | 5,946 |
| Tier 1 risk-based capital ratio | 14.0032% | 3,919 |
| Total risk-based capital ratio | 15.2361% | 3,870 |
| Memoranda: | ||
| Average total assets | $48,168,670 | 5,717 |
| Average earning assets | $45,300,670 | 5,677 |
| Average equity | $3,816,000 | 6,022 |
| Average total loans | $24,849,000 | 5,668 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6406% | 4,566 |
| Cost of funding earning assets | 0.1865% | 5,631 |
| Net interest margin | 3.4541% | 3,613 |
| Noninterest income to average assets | 0.5277% | 3,106 |
| Noninterest expense to average assets | 2.9270% | 2,812 |
| Loan and lease loss provision to assets | 0.1237% | 1,684 |
| Net operating income to assets | 0.6843% | 3,875 |
| Return on assets (ROA) | 0.3710% | 5,301 |
| Pretax return on assets | 0.3710% | 5,494 |
| Return on Equity (ROE) | 4.7281% | 4,649 |
| Retained earnings to average equity (ytd only) | -0.6304% | 5,492 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3664% | 2,134 |
| Assets per employee ($millions) | 6.1688% | 1,276 |
| Cash dividends to net income (ytd only)* | 113.3333% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2860% | 3,485 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0669% | 5,666 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 49.9311% | 4,858 |
| Net loans and leases to deposits | 54.2502% | 5,174 |
| Net loans and leases to core deposits | 57.6573% | 5,145 |
| Total domestic deposits to total assets | 92.0385% | 138 |
| Equity capital to assets | 7.8906% | 6,070 |
| Core capital (leverage) ratio | 7.8718% | 6,001 |
| Tier 1 risk-based capital ratio | 13.9836% | 4,034 |
| Total risk-based capital ratio | 15.1746% | 3,992 |
| Memoranda: | ||
| Average total assets | $48,514,000 | 5,759 |
| Average earning assets | $45,048,000 | 5,737 |
| Average equity | $3,807,000 | 6,083 |
| Average total loans | $24,251,500 | 5,740 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8777% | 4,209 |
| Cost of funding earning assets | 0.2025% | 5,718 |
| Net interest margin | 3.6752% | 3,103 |
| Noninterest income to average assets | 0.6317% | 2,666 |
| Noninterest expense to average assets | 3.0988% | 2,519 |
| Loan and lease loss provision to assets | 0.1325% | 1,971 |
| Net operating income to assets | 0.8879% | 2,934 |
| Return on assets (ROA) | 0.9475% | 2,731 |
| Pretax return on assets | 0.9475% | 3,704 |
| Return on Equity (ROE) | 12.6400% | 1,229 |
| Retained earnings to average equity (ytd only) | 7.6311% | 1,148 |
| Net charge-offs to loans | 0.0170% | 4,524 |
| Credit loss provision to net charge-offs | 1,500.0000% | 191 |
| Earnings coverage of net charge-offs (x) | 115.5000% | 458 |
| Efficiency ratio | 75.2279% | 2,633 |
| Assets per employee ($millions) | 5.2976% | 1,965 |
| Cash dividends to net income (ytd only)* | 39.6270% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2999% | 3,421 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0692% | 5,749 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 48.7332% | 5,094 |
| Net loans and leases to deposits | 52.8886% | 5,418 |
| Net loans and leases to core deposits | 56.6666% | 5,339 |
| Total domestic deposits to total assets | 92.1431% | 133 |
| Equity capital to assets | 7.8023% | 6,143 |
| Core capital (leverage) ratio | 8.0809% | 5,943 |
| Tier 1 risk-based capital ratio | 14.7070% | 3,653 |
| Total risk-based capital ratio | 15.8992% | 3,624 |
| Memoranda: | ||
| Average total assets | $45,275,200 | 5,901 |
| Average earning assets | $42,964,000 | 5,856 |
| Average equity | $3,394,000 | 6,201 |
| Average total loans | $23,493,000 | 5,838 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9147% | 4,117 |
| Cost of funding earning assets | 0.2037% | 5,789 |
| Net interest margin | 3.7110% | 2,982 |
| Noninterest income to average assets | 0.5969% | 2,897 |
| Noninterest expense to average assets | 3.1576% | 2,301 |
| Loan and lease loss provision to assets | 0.1343% | 1,861 |
| Net operating income to assets | 0.8386% | 3,237 |
| Return on assets (ROA) | 0.9192% | 2,918 |
| Pretax return on assets | 0.9192% | 3,907 |
| Return on Equity (ROE) | 12.3973% | 1,371 |
| Retained earnings to average equity (ytd only) | 7.5671% | 1,549 |
| Net charge-offs to loans | 0.0227% | 4,065 |
| Credit loss provision to net charge-offs | 1,125.0000% | 299 |
| Earnings coverage of net charge-offs (x) | 81.5497% | 693 |
| Efficiency ratio | 76.4451% | 2,421 |
| Assets per employee ($millions) | 4.8736% | 2,410 |
| Cash dividends to net income (ytd only)* | 38.9617% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2981% | 3,658 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0752% | 5,859 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 50.4469% | 4,957 |
| Net loans and leases to deposits | 54.7969% | 5,324 |
| Net loans and leases to core deposits | 59.0810% | 5,257 |
| Total domestic deposits to total assets | 92.0615% | 149 |
| Equity capital to assets | 7.8610% | 6,194 |
| Core capital (leverage) ratio | 8.2427% | 5,886 |
| Tier 1 risk-based capital ratio | 14.8725% | 3,663 |
| Total risk-based capital ratio | 16.0410% | 3,649 |
| Memoranda: | ||
| Average total assets | $44,674,500 | 5,983 |
| Average earning assets | $42,539,250 | 5,931 |
| Average equity | $3,312,500 | 6,281 |
| Average total loans | $23,481,000 | 5,901 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8765% | 4,236 |
| Cost of funding earning assets | 0.2094% | 5,831 |
| Net interest margin | 3.6671% | 3,083 |
| Noninterest income to average assets | 0.5696% | 2,994 |
| Noninterest expense to average assets | 3.1416% | 2,355 |
| Loan and lease loss provision to assets | 0.1335% | 1,856 |
| Net operating income to assets | 0.8010% | 3,329 |
| Return on assets (ROA) | 0.8010% | 3,432 |
| Pretax return on assets | 0.8010% | 4,261 |
| Return on Equity (ROE) | 11.0182% | 1,739 |
| Retained earnings to average equity (ytd only) | 3.6727% | 3,854 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0742% | 2,441 |
| Assets per employee ($millions) | 5.0260% | 2,183 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1884% | 4,475 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0730% | 5,955 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 51.4679% | 4,802 |
| Net loans and leases to deposits | 57.0249% | 5,121 |
| Net loans and leases to core deposits | 61.4307% | 5,016 |
| Total domestic deposits to total assets | 90.2551% | 683 |
| Equity capital to assets | 7.5961% | 6,327 |
| Core capital (leverage) ratio | 7.9818% | 6,112 |
| Tier 1 risk-based capital ratio | 13.8540% | 4,347 |
| Total risk-based capital ratio | 14.9388% | 4,407 |
| Memoranda: | ||
| Average total assets | $44,945,330 | 6,033 |
| Average earning assets | $42,977,000 | 5,979 |
| Average equity | $3,267,330 | 6,341 |
| Average total loans | $23,835,330 | 5,935 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8230% | 4,391 |
| Cost of funding earning assets | 0.2155% | 5,883 |
| Net interest margin | 3.6074% | 3,224 |
| Noninterest income to average assets | 0.5357% | 3,142 |
| Noninterest expense to average assets | 3.1428% | 2,396 |
| Loan and lease loss provision to assets | 0.1339% | 1,807 |
| Net operating income to assets | 0.6964% | 3,709 |
| Return on assets (ROA) | 0.6964% | 3,787 |
| Pretax return on assets | 0.6964% | 4,498 |
| Return on Equity (ROE) | 9.8021% | 2,112 |
| Retained earnings to average equity (ytd only) | 9.8021% | 1,016 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1011% | 2,322 |
| Assets per employee ($millions) | 4.8926% | 2,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1177% | 5,043 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0749% | 6,027 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 53.2419% | 4,521 |
| Net loans and leases to deposits | 58.1203% | 4,927 |
| Net loans and leases to core deposits | 63.5683% | 4,726 |
| Total domestic deposits to total assets | 91.6063% | 350 |
| Equity capital to assets | 7.4172% | 6,337 |
| Core capital (leverage) ratio | 8.1632% | 5,982 |
| Tier 1 risk-based capital ratio | 14.0550% | 4,298 |
| Total risk-based capital ratio | 15.0911% | 4,392 |
| Memoranda: | ||
| Average total assets | $44,801,000 | 6,092 |
| Average earning assets | $42,689,500 | 6,035 |
| Average equity | $3,183,000 | 6,409 |
| Average total loans | $23,972,500 | 5,984 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6692% | 5,221 |
| Cost of funding earning assets | 0.2381% | 6,043 |
| Net interest margin | 3.4311% | 4,163 |
| Noninterest income to average assets | 0.5258% | 3,585 |
| Noninterest expense to average assets | 2.9290% | 3,279 |
| Loan and lease loss provision to assets | 0.1314% | 2,666 |
| Net operating income to assets | 0.6857% | 3,868 |
| Return on assets (ROA) | 0.7295% | 3,746 |
| Pretax return on assets | 0.7295% | 4,419 |
| Return on Equity (ROE) | 9.9832% | 2,123 |
| Retained earnings to average equity (ytd only) | 5.7861% | 2,109 |
| Net charge-offs to loans | 0.1016% | 3,815 |
| Credit loss provision to net charge-offs | 260.8696% | 868 |
| Earnings coverage of net charge-offs (x) | 16.2174% | 1,816 |
| Efficiency ratio | 78.1871% | 2,442 |
| Assets per employee ($millions) | 5.0632% | 2,112 |
| Cash dividends to net income (ytd only)* | 42.0420% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0315% | 5,410 |
| Loan loss allowance to noncurrent loans | 25,000.0000% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0746% | 6,127 |
| Noncurrent loans to loans | 0.0041% | 6,299 |
| Net loans and leases to total assets | 52.6367% | 4,771 |
| Net loans and leases to deposits | 56.5028% | 5,254 |
| Net loans and leases to core deposits | 61.5089% | 5,105 |
| Total domestic deposits to total assets | 93.1576% | 124 |
| Equity capital to assets | 6.8029% | 6,509 |
| Core capital (leverage) ratio | 7.5383% | 6,355 |
| Tier 1 risk-based capital ratio | 13.3278% | 4,768 |
| Total risk-based capital ratio | 14.2754% | 4,904 |
| Memoranda: | ||
| Average total assets | $45,647,400 | 6,132 |
| Average earning assets | $42,843,200 | 6,085 |
| Average equity | $3,335,600 | 6,469 |
| Average total loans | $22,634,400 | 6,093 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6039% | 5,429 |
| Cost of funding earning assets | 0.2492% | 6,092 |
| Net interest margin | 3.3547% | 4,446 |
| Noninterest income to average assets | 0.5109% | 3,729 |
| Noninterest expense to average assets | 2.8817% | 3,368 |
| Loan and lease loss provision to assets | 0.1314% | 2,642 |
| Net operating income to assets | 0.6423% | 4,169 |
| Return on assets (ROA) | 0.6832% | 4,078 |
| Pretax return on assets | 0.6832% | 4,738 |
| Return on Equity (ROE) | 9.1910% | 2,543 |
| Retained earnings to average equity (ytd only) | 5.6562% | 2,630 |
| Net charge-offs to loans | 0.1319% | 3,220 |
| Credit loss provision to net charge-offs | 204.5455% | 1,181 |
| Earnings coverage of net charge-offs (x) | 12.0464% | 2,180 |
| Efficiency ratio | 78.8339% | 2,282 |
| Assets per employee ($millions) | 5.1454% | 1,998 |
| Cash dividends to net income (ytd only)* | 38.4628% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0492% | 5,530 |
| Loan loss allowance to noncurrent loans | 737.5000% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.1404% | 6,029 |
| Noncurrent loans to loans | 0.1423% | 5,897 |
| Net loans and leases to total assets | 48.0641% | 5,338 |
| Net loans and leases to deposits | 51.7243% | 5,725 |
| Net loans and leases to core deposits | 57.3158% | 5,508 |
| Total domestic deposits to total assets | 92.9236% | 129 |
| Equity capital to assets | 7.0224% | 6,546 |
| Core capital (leverage) ratio | 7.5051% | 6,444 |
| Tier 1 risk-based capital ratio | 14.0507% | 4,388 |
| Total risk-based capital ratio | 15.0071% | 4,555 |
| Memoranda: | ||
| Average total assets | $45,667,000 | 6,198 |
| Average earning assets | $42,805,000 | 6,155 |
| Average equity | $3,394,500 | 6,527 |
| Average total loans | $22,234,000 | 6,173 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5700% | 5,526 |
| Cost of funding earning assets | 0.2480% | 6,185 |
| Net interest margin | 3.3221% | 4,476 |
| Noninterest income to average assets | 0.4840% | 3,938 |
| Noninterest expense to average assets | 2.8777% | 3,412 |
| Loan and lease loss provision to assets | 0.1320% | 2,666 |
| Net operating income to assets | 0.5984% | 4,288 |
| Return on assets (ROA) | 0.6600% | 4,167 |
| Pretax return on assets | 0.6600% | 4,813 |
| Return on Equity (ROE) | 8.7159% | 2,752 |
| Retained earnings to average equity (ytd only) | 5.2295% | 2,903 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7561% | 2,194 |
| Assets per employee ($millions) | 4.9971% | 2,120 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0804% | 5,520 |
| Loan loss allowance to noncurrent loans | 307.5949% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.2490% | 5,741 |
| Noncurrent loans to loans | 0.3512% | 5,410 |
| Net loans and leases to total assets | 49.4708% | 5,164 |
| Net loans and leases to deposits | 54.1866% | 5,507 |
| Net loans and leases to core deposits | 57.4717% | 5,469 |
| Total domestic deposits to total assets | 91.2972% | 448 |
| Equity capital to assets | 6.9418% | 6,616 |
| Core capital (leverage) ratio | 7.3336% | 6,515 |
| Tier 1 risk-based capital ratio | 13.7571% | 4,600 |
| Total risk-based capital ratio | 14.7366% | 4,735 |
| Memoranda: | ||
| Average total assets | $45,453,000 | 6,249 |
| Average earning assets | $42,744,670 | 6,198 |
| Average equity | $3,442,000 | 6,571 |
| Average total loans | $22,147,330 | 6,216 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5409% | 5,608 |
| Cost of funding earning assets | 0.2455% | 6,317 |
| Net interest margin | 3.2954% | 4,533 |
| Noninterest income to average assets | 0.4815% | 3,909 |
| Noninterest expense to average assets | 2.8539% | 3,525 |
| Loan and lease loss provision to assets | 0.1313% | 2,600 |
| Net operating income to assets | 0.5515% | 4,450 |
| Return on assets (ROA) | 0.6741% | 3,980 |
| Pretax return on assets | 0.6741% | 4,684 |
| Return on Equity (ROE) | 8.5508% | 2,687 |
| Retained earnings to average equity (ytd only) | 5.7746% | 2,799 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6931% | 2,226 |
| Assets per employee ($millions) | 5.2956% | 1,873 |
| Cash dividends to net income (ytd only)* | 32.4675% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0529% | 5,782 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0692% | 6,395 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 44.9559% | 5,555 |
| Net loans and leases to deposits | 48.6402% | 5,874 |
| Net loans and leases to core deposits | 51.6862% | 5,847 |
| Total domestic deposits to total assets | 92.4255% | 184 |
| Equity capital to assets | 7.5472% | 6,580 |
| Core capital (leverage) ratio | 7.1914% | 6,586 |
| Tier 1 risk-based capital ratio | 13.6474% | 4,761 |
| Total risk-based capital ratio | 14.5693% | 4,950 |
| Memoranda: | ||
| Average total assets | $45,692,500 | 6,299 |
| Average earning assets | $42,362,000 | 6,269 |
| Average equity | $3,602,000 | 6,611 |
| Average total loans | $21,975,000 | 6,278 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6200% | 6,191 |
| Cost of funding earning assets | 0.3111% | 6,399 |
| Net interest margin | 3.3088% | 5,216 |
| Noninterest income to average assets | 0.6940% | 2,751 |
| Noninterest expense to average assets | 3.2218% | 2,544 |
| Loan and lease loss provision to assets | 0.1266% | 4,029 |
| Net operating income to assets | 0.4432% | 4,912 |
| Return on assets (ROA) | 0.4432% | 5,163 |
| Pretax return on assets | 0.4432% | 5,446 |
| Return on Equity (ROE) | 4.9226% | 4,712 |
| Retained earnings to average equity (ytd only) | -1.2658% | 6,056 |
| Net charge-offs to loans | 0.1125% | 4,547 |
| Credit loss provision to net charge-offs | 227.2727% | 1,091 |
| Earnings coverage of net charge-offs (x) | 10.2273% | 2,159 |
| Efficiency ratio | 84.9699% | 1,518 |
| Assets per employee ($millions) | 5.4656% | 1,715 |
| Cash dividends to net income (ytd only)* | 125.7143% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9553% | 6,112 |
| Loan loss allowance to noncurrent loans | 532.5000% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.1670% | 6,143 |
| Noncurrent loans to loans | 0.1794% | 6,025 |
| Net loans and leases to total assets | 50.5043% | 5,102 |
| Net loans and leases to deposits | 56.6202% | 5,376 |
| Net loans and leases to core deposits | 60.6543% | 5,302 |
| Total domestic deposits to total assets | 89.1984% | 1,434 |
| Equity capital to assets | 8.2493% | 6,239 |
| Core capital (leverage) ratio | 7.7116% | 6,400 |
| Tier 1 risk-based capital ratio | 13.6974% | 4,604 |
| Total risk-based capital ratio | 14.5754% | 4,826 |
| Memoranda: | ||
| Average total assets | $39,481,200 | 6,516 |
| Average earning assets | $36,961,600 | 6,471 |
| Average equity | $3,555,000 | 6,677 |
| Average total loans | $19,548,600 | 6,448 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6451% | 6,323 |
| Cost of funding earning assets | 0.3310% | 6,462 |
| Net interest margin | 3.3140% | 5,341 |
| Noninterest income to average assets | 0.6767% | 2,835 |
| Noninterest expense to average assets | 3.2586% | 2,397 |
| Loan and lease loss provision to assets | 0.1562% | 3,571 |
| Net operating income to assets | 0.3540% | 5,419 |
| Return on assets (ROA) | 0.3540% | 5,627 |
| Pretax return on assets | 0.3540% | 5,828 |
| Return on Equity (ROE) | 3.8396% | 5,354 |
| Retained earnings to average equity (ytd only) | -4.4418% | 6,583 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4641% | 1,346 |
| Assets per employee ($millions) | 5.1980% | 1,930 |
| Cash dividends to net income (ytd only)* | 215.6838% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0805% | 5,796 |
| Loan loss allowance to noncurrent loans | 394.8276% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.1395% | 6,365 |
| Noncurrent loans to loans | 0.2737% | 5,940 |
| Net loans and leases to total assets | 50.4136% | 5,261 |
| Net loans and leases to deposits | 55.2367% | 5,694 |
| Net loans and leases to core deposits | 56.5159% | 5,851 |
| Total domestic deposits to total assets | 91.2683% | 340 |
| Equity capital to assets | 8.6932% | 6,110 |
| Core capital (leverage) ratio | 7.8153% | 6,457 |
| Tier 1 risk-based capital ratio | 13.2604% | 5,046 |
| Total risk-based capital ratio | 14.1948% | 5,262 |
| Memoranda: | ||
| Average total assets | $38,420,250 | 6,629 |
| Average earning assets | $35,846,500 | 6,587 |
| Average equity | $3,542,000 | 6,758 |
| Average total loans | $18,861,750 | 6,558 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7139% | 6,311 |
| Cost of funding earning assets | 0.3507% | 6,509 |
| Net interest margin | 3.3632% | 5,220 |
| Noninterest income to average assets | 0.6798% | 2,775 |
| Noninterest expense to average assets | 3.4095% | 2,006 |
| Loan and lease loss provision to assets | 0.1606% | 3,508 |
| Net operating income to assets | 0.2409% | 5,791 |
| Return on assets (ROA) | 0.2409% | 5,977 |
| Pretax return on assets | 0.2409% | 6,073 |
| Return on Equity (ROE) | 2.5585% | 5,857 |
| Retained earnings to average equity (ytd only) | -8.8127% | 6,800 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4663% | 1,121 |
| Assets per employee ($millions) | 4.6715% | 2,607 |
| Cash dividends to net income (ytd only)* | 444.4444% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1651% | 5,503 |
| Loan loss allowance to noncurrent loans | 390.9091% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.1472% | 6,417 |
| Noncurrent loans to loans | 0.2980% | 5,964 |
| Net loans and leases to total assets | 48.8039% | 5,519 |
| Net loans and leases to deposits | 53.8087% | 5,889 |
| Net loans and leases to core deposits | 55.2061% | 6,006 |
| Total domestic deposits to total assets | 90.6989% | 563 |
| Equity capital to assets | 9.2529% | 5,393 |
| Core capital (leverage) ratio | 8.6351% | 5,470 |
| Tier 1 risk-based capital ratio | 15.1474% | 3,667 |
| Total risk-based capital ratio | 16.1613% | 3,772 |
| Memoranda: | ||
| Average total assets | $37,365,670 | 6,699 |
| Average earning assets | $34,788,330 | 6,665 |
| Average equity | $3,517,670 | 6,807 |
| Average total loans | $18,084,670 | 6,645 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8520% | 6,136 |
| Cost of funding earning assets | 0.3597% | 6,602 |
| Net interest margin | 3.4923% | 4,746 |
| Noninterest income to average assets | 0.6638% | 2,846 |
| Noninterest expense to average assets | 3.4259% | 1,943 |
| Loan and lease loss provision to assets | 0.1606% | 3,376 |
| Net operating income to assets | 0.2998% | 5,657 |
| Return on assets (ROA) | 0.2998% | 5,823 |
| Pretax return on assets | 0.2998% | 5,977 |
| Return on Equity (ROE) | 3.1572% | 5,650 |
| Retained earnings to average equity (ytd only) | -2.4806% | 6,337 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1543% | 1,272 |
| Assets per employee ($millions) | 4.6704% | 2,708 |
| Cash dividends to net income (ytd only)* | 178.5714% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1824% | 5,575 |
| Loan loss allowance to noncurrent loans | 363.6364% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.1472% | 6,516 |
| Noncurrent loans to loans | 0.3252% | 6,023 |
| Net loans and leases to total assets | 44.7368% | 5,926 |
| Net loans and leases to deposits | 49.4658% | 6,184 |
| Net loans and leases to core deposits | 50.7515% | 6,292 |
| Total domestic deposits to total assets | 90.4397% | 839 |
| Equity capital to assets | 9.5094% | 4,793 |
| Core capital (leverage) ratio | 9.1511% | 4,601 |
| Tier 1 risk-based capital ratio | 16.9204% | 2,708 |
| Total risk-based capital ratio | 17.9317% | 2,775 |
| Memoranda: | ||
| Average total assets | $37,362,500 | 6,756 |
| Average earning assets | $34,476,000 | 6,725 |
| Average equity | $3,547,500 | 6,837 |
| Average total loans | $17,900,000 | 6,713 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7961% | 6,735 |
| Cost of funding earning assets | 0.4590% | 6,706 |
| Net interest margin | 3.3371% | 5,695 |
| Noninterest income to average assets | 0.7028% | 2,588 |
| Noninterest expense to average assets | 3.2983% | 2,530 |
| Loan and lease loss provision to assets | 0.1516% | 4,722 |
| Net operating income to assets | 0.3908% | 4,911 |
| Return on assets (ROA) | 0.5891% | 4,238 |
| Pretax return on assets | 0.5891% | 4,728 |
| Return on Equity (ROE) | 5.8868% | 3,925 |
| Retained earnings to average equity (ytd only) | 3.9925% | 3,351 |
| Net charge-offs to loans | 0.0393% | 5,919 |
| Credit loss provision to net charge-offs | 866.6667% | 258 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 825 |
| Efficiency ratio | 85.8770% | 1,582 |
| Assets per employee ($millions) | 4.6703% | 2,651 |
| Cash dividends to net income (ytd only)* | 32.1782% | 3,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9796% | 6,303 |
| Loan loss allowance to noncurrent loans | 129.3706% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 0.3827% | 6,022 |
| Noncurrent loans to loans | 0.7572% | 5,180 |
| Net loans and leases to total assets | 50.0509% | 5,570 |
| Net loans and leases to deposits | 55.3287% | 5,949 |
| Net loans and leases to core deposits | 58.5399% | 5,971 |
| Total domestic deposits to total assets | 90.4609% | 742 |
| Equity capital to assets | 9.4802% | 4,915 |
| Core capital (leverage) ratio | 9.4761% | 4,064 |
| Tier 1 risk-based capital ratio | 16.2399% | 2,933 |
| Total risk-based capital ratio | 17.1320% | 3,069 |
| Memoranda: | ||
| Average total assets | $34,290,800 | 6,851 |
| Average earning assets | $32,243,400 | 6,801 |
| Average equity | $3,431,400 | 6,900 |
| Average total loans | $15,272,000 | 6,890 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9356% | 6,680 |
| Cost of funding earning assets | 0.4861% | 6,763 |
| Net interest margin | 3.4494% | 5,395 |
| Noninterest income to average assets | 0.6244% | 3,028 |
| Noninterest expense to average assets | 3.3330% | 2,393 |
| Loan and lease loss provision to assets | 0.1114% | 5,037 |
| Net operating income to assets | 0.4256% | 4,878 |
| Return on assets (ROA) | 0.6960% | 3,813 |
| Pretax return on assets | 0.6960% | 4,493 |
| Return on Equity (ROE) | 6.8551% | 3,590 |
| Retained earnings to average equity (ytd only) | 4.3088% | 3,663 |
| Net charge-offs to loans | 0.0835% | 5,141 |
| Credit loss provision to net charge-offs | 311.1111% | 907 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,498 |
| Efficiency ratio | 86.1254% | 1,517 |
| Assets per employee ($millions) | 4.3561% | 3,167 |
| Cash dividends to net income (ytd only)* | 37.1405% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0018% | 6,261 |
| Loan loss allowance to noncurrent loans | 526.6667% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.0861% | 6,841 |
| Noncurrent loans to loans | 0.1902% | 6,489 |
| Net loans and leases to total assets | 44.8047% | 6,256 |
| Net loans and leases to deposits | 51.7723% | 6,383 |
| Net loans and leases to core deposits | 55.1537% | 6,380 |
| Total domestic deposits to total assets | 86.5419% | 2,913 |
| Equity capital to assets | 10.2327% | 4,043 |
| Core capital (leverage) ratio | 9.6778% | 3,876 |
| Tier 1 risk-based capital ratio | 18.5845% | 2,068 |
| Total risk-based capital ratio | 19.4636% | 2,148 |
| Memoranda: | ||
| Average total assets | $33,523,000 | 6,939 |
| Average earning assets | $31,540,500 | 6,887 |
| Average equity | $3,403,750 | 6,966 |
| Average total loans | $14,368,750 | 7,003 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9006% | 6,803 |
| Cost of funding earning assets | 0.5184% | 6,784 |
| Net interest margin | 3.3823% | 5,603 |
| Noninterest income to average assets | 0.7013% | 2,548 |
| Noninterest expense to average assets | 3.3614% | 2,367 |
| Loan and lease loss provision to assets | 0.1028% | 5,028 |
| Net operating income to assets | 0.3930% | 4,978 |
| Return on assets (ROA) | 0.8041% | 3,181 |
| Pretax return on assets | 0.8041% | 4,013 |
| Return on Equity (ROE) | 7.9411% | 2,969 |
| Retained earnings to average equity (ytd only) | 5.8513% | 2,518 |
| Net charge-offs to loans | 0.1726% | 4,133 |
| Credit loss provision to net charge-offs | 141.6667% | 2,150 |
| Earnings coverage of net charge-offs (x) | 6.8333% | 2,325 |
| Efficiency ratio | 87.1473% | 1,498 |
| Assets per employee ($millions) | 4.1160% | 3,525 |
| Cash dividends to net income (ytd only)* | 26.3158% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0149% | 6,271 |
| Loan loss allowance to noncurrent loans | 1,800.0000% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.0243% | 7,043 |
| Noncurrent loans to loans | 0.0564% | 6,843 |
| Net loans and leases to total assets | 42.6537% | 6,547 |
| Net loans and leases to deposits | 47.7104% | 6,742 |
| Net loans and leases to core deposits | 50.9061% | 6,718 |
| Total domestic deposits to total assets | 89.4011% | 1,302 |
| Equity capital to assets | 10.5138% | 3,487 |
| Core capital (leverage) ratio | 9.9766% | 3,290 |
| Tier 1 risk-based capital ratio | 19.0662% | 1,824 |
| Total risk-based capital ratio | 19.8911% | 1,919 |
| Memoranda: | ||
| Average total assets | $33,081,000 | 7,014 |
| Average earning assets | $30,867,000 | 6,970 |
| Average equity | $3,349,670 | 7,027 |
| Average total loans | $13,901,000 | 7,094 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8123% | 6,940 |
| Cost of funding earning assets | 0.5391% | 6,835 |
| Net interest margin | 3.2732% | 5,868 |
| Noninterest income to average assets | 0.5670% | 3,388 |
| Noninterest expense to average assets | 3.2934% | 2,580 |
| Loan and lease loss provision to assets | 0.0724% | 5,095 |
| Net operating income to assets | 0.2775% | 5,513 |
| Return on assets (ROA) | 0.2775% | 5,573 |
| Pretax return on assets | 0.2775% | 5,719 |
| Return on Equity (ROE) | 2.7934% | 5,470 |
| Retained earnings to average equity (ytd only) | 2.7934% | 4,492 |
| Net charge-offs to loans | 0.3780% | 2,557 |
| Credit loss provision to net charge-offs | 46.1538% | 3,834 |
| Earnings coverage of net charge-offs (x) | 2.2308% | 3,205 |
| Efficiency ratio | 90.3974% | 1,301 |
| Assets per employee ($millions) | 4.2276% | 3,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9904% | 6,431 |
| Loan loss allowance to noncurrent loans | 1,320.0000% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.0296% | 7,096 |
| Noncurrent loans to loans | 0.0750% | 6,850 |
| Net loans and leases to total assets | 39.0172% | 6,845 |
| Net loans and leases to deposits | 43.3124% | 6,974 |
| Net loans and leases to core deposits | 46.1028% | 6,967 |
| Total domestic deposits to total assets | 90.0831% | 1,104 |
| Equity capital to assets | 9.7691% | 4,075 |
| Core capital (leverage) ratio | 10.2582% | 2,855 |
| Tier 1 risk-based capital ratio | 20.1511% | 1,557 |
| Total risk-based capital ratio | 20.9685% | 1,619 |
| Memoranda: | ||
| Average total assets | $33,157,500 | 7,066 |
| Average earning assets | $31,162,000 | 7,012 |
| Average equity | $3,293,500 | 7,080 |
| Average total loans | $13,757,000 | 7,155 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3131% | 6,771 |
| Cost of funding earning assets | 0.7080% | 6,860 |
| Net interest margin | 3.6051% | 4,793 |
| Noninterest income to average assets | 0.6594% | 3,088 |
| Noninterest expense to average assets | 3.5804% | 1,974 |
| Loan and lease loss provision to assets | 0.1529% | 5,673 |
| Net operating income to assets | 0.2676% | 5,042 |
| Return on assets (ROA) | 0.2676% | 5,209 |
| Pretax return on assets | 0.2676% | 5,318 |
| Return on Equity (ROE) | 2.5604% | 5,149 |
| Retained earnings to average equity (ytd only) | 1.9507% | 4,501 |
| Net charge-offs to loans | 0.1090% | 5,785 |
| Credit loss provision to net charge-offs | 300.0000% | 889 |
| Earnings coverage of net charge-offs (x) | 8.2500% | 1,995 |
| Efficiency ratio | 89.4904% | 1,361 |
| Assets per employee ($millions) | 4.0618% | 3,658 |
| Cash dividends to net income (ytd only)* | 23.8095% | 3,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9798% | 6,460 |
| Loan loss allowance to noncurrent loans | 272.5490% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.1570% | 6,840 |
| Noncurrent loans to loans | 0.3595% | 6,343 |
| Net loans and leases to total assets | 43.2295% | 6,770 |
| Net loans and leases to deposits | 48.1523% | 6,944 |
| Net loans and leases to core deposits | 51.3996% | 6,931 |
| Total domestic deposits to total assets | 89.7766% | 1,220 |
| Equity capital to assets | 10.1034% | 3,612 |
| Core capital (leverage) ratio | 10.1857% | 2,880 |
| Tier 1 risk-based capital ratio | 18.5009% | 1,843 |
| Total risk-based capital ratio | 19.2968% | 1,947 |
| Memoranda: | ||
| Average total assets | $31,393,400 | 7,161 |
| Average earning assets | $29,097,600 | 7,123 |
| Average equity | $3,280,800 | 7,198 |
| Average total loans | $14,683,200 | 7,178 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4596% | 6,694 |
| Cost of funding earning assets | 0.7448% | 6,932 |
| Net interest margin | 3.7148% | 4,331 |
| Noninterest income to average assets | 0.6341% | 3,227 |
| Noninterest expense to average assets | 3.6034% | 1,783 |
| Loan and lease loss provision to assets | 0.1543% | 5,498 |
| Net operating income to assets | 0.3170% | 5,096 |
| Return on assets (ROA) | 0.3170% | 5,269 |
| Pretax return on assets | 0.3170% | 5,455 |
| Return on Equity (ROE) | 3.0077% | 5,218 |
| Retained earnings to average equity (ytd only) | 2.1950% | 4,855 |
| Net charge-offs to loans | 0.0810% | 5,712 |
| Credit loss provision to net charge-offs | 400.0000% | 754 |
| Earnings coverage of net charge-offs (x) | 12.2217% | 1,709 |
| Efficiency ratio | 88.4332% | 1,418 |
| Assets per employee ($millions) | 3.9190% | 3,995 |
| Cash dividends to net income (ytd only)* | 27.0322% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9559% | 6,548 |
| Loan loss allowance to noncurrent loans | 214.5161% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.1978% | 6,871 |
| Noncurrent loans to loans | 0.4456% | 6,300 |
| Net loans and leases to total assets | 43.9525% | 6,847 |
| Net loans and leases to deposits | 49.2477% | 7,034 |
| Net loans and leases to core deposits | 49.2477% | 7,150 |
| Total domestic deposits to total assets | 89.2479% | 1,252 |
| Equity capital to assets | 10.5862% | 3,426 |
| Core capital (leverage) ratio | 10.3530% | 2,854 |
| Tier 1 risk-based capital ratio | 21.5457% | 1,275 |
| Total risk-based capital ratio | 22.4356% | 1,305 |
| Memoranda: | ||
| Average total assets | $31,118,250 | 7,253 |
| Average earning assets | $28,820,750 | 7,219 |
| Average equity | $3,280,250 | 7,289 |
| Average total loans | $14,807,500 | 7,267 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4593% | 6,782 |
| Cost of funding earning assets | 0.7674% | 7,015 |
| Net interest margin | 3.6919% | 4,402 |
| Noninterest income to average assets | 0.6314% | 3,116 |
| Noninterest expense to average assets | 3.6147% | 1,745 |
| Loan and lease loss provision to assets | 0.1546% | 5,352 |
| Net operating income to assets | 0.3028% | 5,172 |
| Return on assets (ROA) | 0.3028% | 5,330 |
| Pretax return on assets | 0.3028% | 5,491 |
| Return on Equity (ROE) | 2.8770% | 5,293 |
| Retained earnings to average equity (ytd only) | 2.8770% | 4,312 |
| Net charge-offs to loans | 0.1324% | 4,887 |
| Credit loss provision to net charge-offs | 240.0000% | 1,601 |
| Earnings coverage of net charge-offs (x) | 7.1000% | 2,362 |
| Efficiency ratio | 88.7658% | 1,438 |
| Assets per employee ($millions) | 3.8745% | 4,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8103% | 7,009 |
| Loan loss allowance to noncurrent loans | 218.1818% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.1774% | 6,946 |
| Noncurrent loans to loans | 0.3714% | 6,496 |
| Net loans and leases to total assets | 47.3900% | 6,672 |
| Net loans and leases to deposits | 53.1498% | 6,917 |
| Net loans and leases to core deposits | 53.1498% | 7,081 |
| Total domestic deposits to total assets | 89.1631% | 1,345 |
| Equity capital to assets | 10.6498% | 3,218 |
| Core capital (leverage) ratio | 10.2562% | 2,887 |
| Tier 1 risk-based capital ratio | 20.2583% | 1,471 |
| Total risk-based capital ratio | 21.0145% | 1,523 |
| Memoranda: | ||
| Average total assets | $31,040,330 | 7,310 |
| Average earning assets | $28,928,330 | 7,263 |
| Average equity | $3,267,330 | 7,333 |
| Average total loans | $15,105,670 | 7,308 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6175% | 6,509 |
| Cost of funding earning assets | 0.8256% | 7,016 |
| Net interest margin | 3.7919% | 3,826 |
| Noninterest income to average assets | 0.5924% | 3,327 |
| Noninterest expense to average assets | 3.7215% | 1,474 |
| Loan and lease loss provision to assets | 0.1545% | 4,989 |
| Net operating income to assets | 0.2060% | 5,663 |
| Return on assets (ROA) | 0.2060% | 5,782 |
| Pretax return on assets | 0.2060% | 5,860 |
| Return on Equity (ROE) | 1.9689% | 5,776 |
| Retained earnings to average equity (ytd only) | 1.9689% | 4,953 |
| Net charge-offs to loans | 0.2884% | 3,259 |
| Credit loss provision to net charge-offs | 109.0909% | 3,153 |
| Earnings coverage of net charge-offs (x) | 2.5455% | 3,271 |
| Efficiency ratio | 91.1672% | 1,337 |
| Assets per employee ($millions) | 3.9281% | 4,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7475% | 7,249 |
| Loan loss allowance to noncurrent loans | 186.2069% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.1846% | 7,011 |
| Noncurrent loans to loans | 0.4014% | 6,485 |
| Net loans and leases to total assets | 45.6325% | 6,857 |
| Net loans and leases to deposits | 51.0193% | 7,080 |
| Net loans and leases to core deposits | 51.0193% | 7,243 |
| Total domestic deposits to total assets | 89.4415% | 1,274 |
| Equity capital to assets | 10.3612% | 3,391 |
| Core capital (leverage) ratio | 10.3609% | 2,754 |
| Tier 1 risk-based capital ratio | 20.1366% | 1,496 |
| Total risk-based capital ratio | 20.8196% | 1,573 |
| Memoranda: | ||
| Average total assets | $31,062,500 | 7,404 |
| Average earning assets | $28,587,000 | 7,368 |
| Average equity | $3,250,500 | 7,419 |
| Average total loans | $15,254,000 | 7,391 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0178% | 6,375 |
| Cost of funding earning assets | 0.9245% | 7,352 |
| Net interest margin | 4.0933% | 2,485 |
| Noninterest income to average assets | 0.6954% | 3,011 |
| Noninterest expense to average assets | 4.0249% | 1,324 |
| Loan and lease loss provision to assets | 0.0856% | 6,753 |
| Net operating income to assets | 0.3460% | 4,342 |
| Return on assets (ROA) | 0.3460% | 4,434 |
| Pretax return on assets | 0.3460% | 4,653 |
| Return on Equity (ROE) | 3.1500% | 4,438 |
| Retained earnings to average equity (ytd only) | 0.9044% | 4,390 |
| Net charge-offs to loans | 0.1481% | 5,762 |
| Credit loss provision to net charge-offs | 119.0476% | 4,514 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,453 |
| Efficiency ratio | 90.3151% | 1,685 |
| Assets per employee ($millions) | 3.4111% | 5,231 |
| Cash dividends to net income (ytd only)* | 71.2871% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6663% | 7,444 |
| Loan loss allowance to noncurrent loans | 1,188.8889% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.0293% | 7,450 |
| Noncurrent loans to loans | 0.0560% | 7,282 |
| Net loans and leases to total assets | 51.9642% | 6,424 |
| Net loans and leases to deposits | 58.2290% | 6,770 |
| Net loans and leases to core deposits | 63.5882% | 7,113 |
| Total domestic deposits to total assets | 89.2410% | 1,368 |
| Equity capital to assets | 10.5700% | 3,106 |
| Core capital (leverage) ratio | 10.7283% | 2,402 |
| Tier 1 risk-based capital ratio | 16.8511% | 2,186 |
| Total risk-based capital ratio | 17.4205% | 2,379 |
| Memoranda: | ||
| Average total assets | $29,193,200 | 7,501 |
| Average earning assets | $26,824,400 | 7,468 |
| Average equity | $3,206,400 | 7,530 |
| Average total loans | $14,183,600 | 7,489 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0573% | 6,425 |
| Cost of funding earning assets | 0.9681% | 7,453 |
| Net interest margin | 4.0892% | 2,446 |
| Noninterest income to average assets | 0.6987% | 3,022 |
| Noninterest expense to average assets | 4.0208% | 1,246 |
| Loan and lease loss provision to assets | 0.0879% | 6,487 |
| Net operating income to assets | 0.3424% | 4,630 |
| Return on assets (ROA) | 0.3424% | 4,725 |
| Pretax return on assets | 0.3424% | 4,952 |
| Return on Equity (ROE) | 3.0863% | 4,756 |
| Retained earnings to average equity (ytd only) | 0.1251% | 5,147 |
| Net charge-offs to loans | 0.1847% | 4,910 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 4.8954% | 2,979 |
| Efficiency ratio | 90.3326% | 1,660 |
| Assets per employee ($millions) | 3.6159% | 4,646 |
| Cash dividends to net income (ytd only)* | 95.9457% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7367% | 7,292 |
| Loan loss allowance to noncurrent loans | 3,466.6667% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 7,571 |
| Noncurrent loans to loans | 0.0213% | 7,470 |
| Net loans and leases to total assets | 48.4426% | 6,914 |
| Net loans and leases to deposits | 54.6550% | 7,161 |
| Net loans and leases to core deposits | 58.9401% | 7,434 |
| Total domestic deposits to total assets | 88.6335% | 1,371 |
| Equity capital to assets | 11.1626% | 2,863 |
| Core capital (leverage) ratio | 10.8855% | 2,493 |
| Tier 1 risk-based capital ratio | 18.6480% | 1,830 |
| Total risk-based capital ratio | 19.2652% | 1,934 |
| Memoranda: | ||
| Average total assets | $28,816,500 | 7,580 |
| Average earning assets | $26,443,000 | 7,552 |
| Average equity | $3,196,750 | 7,604 |
| Average total loans | $13,714,500 | 7,586 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0838% | 6,497 |
| Cost of funding earning assets | 1.0168% | 7,518 |
| Net interest margin | 4.0671% | 2,443 |
| Noninterest income to average assets | 0.7227% | 2,849 |
| Noninterest expense to average assets | 4.0515% | 1,245 |
| Loan and lease loss provision to assets | 0.0417% | 6,816 |
| Net operating income to assets | 0.3266% | 4,776 |
| Return on assets (ROA) | 0.3266% | 4,898 |
| Pretax return on assets | 0.3266% | 5,144 |
| Return on Equity (ROE) | 2.9504% | 4,921 |
| Retained earnings to average equity (ytd only) | -0.1883% | 5,268 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6667% | 1,663 |
| Assets per employee ($millions) | 3.5920% | 4,589 |
| Cash dividends to net income (ytd only)* | 106.3830% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8582% | 6,946 |
| Loan loss allowance to noncurrent loans | 550.0000% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.0696% | 7,412 |
| Noncurrent loans to loans | 0.1560% | 7,131 |
| Net loans and leases to total assets | 44.2198% | 7,310 |
| Net loans and leases to deposits | 49.8314% | 7,490 |
| Net loans and leases to core deposits | 53.1807% | 7,680 |
| Total domestic deposits to total assets | 88.7389% | 1,411 |
| Equity capital to assets | 11.0384% | 2,882 |
| Core capital (leverage) ratio | 10.9673% | 2,427 |
| Tier 1 risk-based capital ratio | 19.6836% | 1,637 |
| Total risk-based capital ratio | 20.3742% | 1,709 |
| Memoranda: | ||
| Average total assets | $28,779,670 | 7,651 |
| Average earning assets | $26,161,330 | 7,634 |
| Average equity | $3,186,000 | 7,669 |
| Average total loans | $13,580,330 | 7,676 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2092% | 6,256 |
| Cost of funding earning assets | 1.0756% | 7,549 |
| Net interest margin | 4.1335% | 2,149 |
| Noninterest income to average assets | 0.8194% | 2,238 |
| Noninterest expense to average assets | 4.0970% | 1,069 |
| Loan and lease loss provision to assets | 0.0417% | 6,448 |
| Net operating income to assets | 0.4166% | 4,789 |
| Return on assets (ROA) | 0.4166% | 4,967 |
| Pretax return on assets | 0.4166% | 5,347 |
| Return on Equity (ROE) | 3.7582% | 5,054 |
| Retained earnings to average equity (ytd only) | 3.7582% | 3,810 |
| Net charge-offs to loans | -0.0286% | 7,544 |
| Credit loss provision to net charge-offs | -300.0000% | 6,322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9390% | 1,723 |
| Assets per employee ($millions) | 3.1312% | 5,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8040% | 7,144 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 46.8472% | 7,120 |
| Net loans and leases to deposits | 52.9924% | 7,341 |
| Net loans and leases to core deposits | 55.6788% | 7,633 |
| Total domestic deposits to total assets | 88.4035% | 1,524 |
| Equity capital to assets | 11.3481% | 2,687 |
| Core capital (leverage) ratio | 11.0053% | 2,494 |
| Tier 1 risk-based capital ratio | 19.7678% | 1,659 |
| Total risk-based capital ratio | 20.4357% | 1,740 |
| Memoranda: | ||
| Average total assets | $28,801,500 | 7,701 |
| Average earning assets | $26,031,000 | 7,682 |
| Average equity | $3,193,000 | 7,720 |
| Average total loans | $13,962,000 | 7,696 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5301% | 7,225 |
| Cost of funding earning assets | 1.5162% | 7,583 |
| Net interest margin | 4.0138% | 3,055 |
| Noninterest income to average assets | 0.8086% | 2,469 |
| Noninterest expense to average assets | 4.4723% | 892 |
| Loan and lease loss provision to assets | 0.0106% | 7,237 |
| Net operating income to assets | 0.0248% | 6,296 |
| Return on assets (ROA) | 0.2660% | 5,481 |
| Pretax return on assets | 0.2660% | 5,585 |
| Return on Equity (ROE) | 2.3439% | 5,481 |
| Retained earnings to average equity (ytd only) | -1.7189% | 5,795 |
| Net charge-offs to loans | -0.0325% | 7,980 |
| Credit loss provision to net charge-offs | -75.0000% | 7,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2132% | 1,010 |
| Assets per employee ($millions) | 2.9422% | 6,190 |
| Cash dividends to net income (ytd only)* | 173.3333% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7116% | 7,387 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 49.3202% | 7,086 |
| Net loans and leases to deposits | 55.4469% | 7,357 |
| Net loans and leases to core deposits | 58.1533% | 7,660 |
| Total domestic deposits to total assets | 88.9504% | 1,067 |
| Equity capital to assets | 10.8354% | 3,177 |
| Core capital (leverage) ratio | 10.9399% | 2,634 |
| Tier 1 risk-based capital ratio | 18.0314% | 2,033 |
| Total risk-based capital ratio | 18.6290% | 2,156 |
| Memoranda: | ||
| Average total assets | $28,195,600 | 7,719 |
| Average earning assets | $25,985,200 | 7,691 |
| Average equity | $3,199,800 | 7,774 |
| Average total loans | $12,292,400 | 7,817 |