Home > The First National Bank of Moody > Performance and Condition Ratios
The First National Bank of Moody, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5005% | 2,135 |
| Cost of funding earning assets | 1.6590% | 3,038 |
| Net interest margin | 3.8415% | 1,431 |
| Noninterest income to average assets | 0.6700% | 1,265 |
| Noninterest expense to average assets | 3.0165% | 1,125 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.9787% | 2,124 |
| Return on assets (ROA) | 0.9787% | 2,117 |
| Pretax return on assets | 0.9787% | 2,584 |
| Return on Equity (ROE) | 6.3400% | 3,195 |
| Retained earnings to average equity (ytd only) | 4.0809% | 2,600 |
| Net charge-offs to loans | 0.0157% | 2,342 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 187.0000% | 531 |
| Efficiency ratio | 75.5022% | 1,416 |
| Assets per employee ($millions) | 5.2119% | 3,498 |
| Cash dividends to net income (ytd only)* | 35.6506% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5835% | 830 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 31.2200% | 4,210 |
| Net loans and leases to deposits | 38.8911% | 4,178 |
| Net loans and leases to core deposits | 39.4290% | 4,200 |
| Total domestic deposits to total assets | 80.2800% | 3,527 |
| Equity capital to assets | 15.6111% | 499 |
| Core capital (leverage) ratio | 18.3387% | 310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $57,319,000 | 4,165 |
| Average earning assets | $49,668,000 | 4,176 |
| Average equity | $8,846,000 | 3,885 |
| Average total loans | $19,075,200 | 4,223 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6126% | 1,879 |
| Cost of funding earning assets | 1.7669% | 2,806 |
| Net interest margin | 3.8458% | 1,390 |
| Noninterest income to average assets | 0.6600% | 1,273 |
| Noninterest expense to average assets | 2.8426% | 1,384 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.1468% | 1,635 |
| Return on assets (ROA) | 1.1468% | 1,642 |
| Pretax return on assets | 1.1468% | 2,131 |
| Return on Equity (ROE) | 7.4500% | 2,908 |
| Retained earnings to average equity (ytd only) | 4.4292% | 2,686 |
| Net charge-offs to loans | 0.0276% | 1,769 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 123.2500% | 696 |
| Efficiency ratio | 71.2536% | 1,871 |
| Assets per employee ($millions) | 4.8327% | 3,755 |
| Cash dividends to net income (ytd only)* | 40.5680% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5086% | 1,027 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 35.2500% | 4,153 |
| Net loans and leases to deposits | 45.0951% | 4,085 |
| Net loans and leases to core deposits | 45.7793% | 4,133 |
| Total domestic deposits to total assets | 78.1600% | 3,708 |
| Equity capital to assets | 17.5000% | 371 |
| Core capital (leverage) ratio | 18.4782% | 314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $57,316,000 | 4,185 |
| Average earning assets | $49,577,250 | 4,204 |
| Average equity | $8,820,000 | 3,896 |
| Average total loans | $19,297,000 | 4,245 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5826% | 1,810 |
| Cost of funding earning assets | 1.8752% | 2,419 |
| Net interest margin | 3.7074% | 1,583 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 2.7223% | 1,629 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.1516% | 1,596 |
| Return on assets (ROA) | 1.1516% | 1,593 |
| Pretax return on assets | 1.1516% | 2,061 |
| Return on Equity (ROE) | 7.8100% | 2,795 |
| Retained earnings to average equity (ytd only) | 7.8069% | 1,425 |
| Net charge-offs to loans | -0.0206% | 4,147 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 70.2726% | 2,077 |
| Assets per employee ($millions) | 5.3049% | 3,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5438% | 971 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 35.2200% | 4,173 |
| Net loans and leases to deposits | 44.6137% | 4,087 |
| Net loans and leases to core deposits | 45.2763% | 4,138 |
| Total domestic deposits to total assets | 78.9500% | 3,591 |
| Equity capital to assets | 16.7166% | 414 |
| Core capital (leverage) ratio | 18.6391% | 314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $58,701,333 | 4,187 |
| Average earning assets | $51,087,000 | 4,206 |
| Average equity | $8,659,000 | 3,902 |
| Average total loans | $19,388,000 | 4,265 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1010% | 2,590 |
| Cost of funding earning assets | 1.9854% | 2,026 |
| Net interest margin | 3.1156% | 2,755 |
| Noninterest income to average assets | 0.6100% | 1,335 |
| Noninterest expense to average assets | 2.6395% | 1,849 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.6956% | 2,858 |
| Return on assets (ROA) | 0.6956% | 2,877 |
| Pretax return on assets | 0.6956% | 3,172 |
| Return on Equity (ROE) | 5.0000% | 3,452 |
| Retained earnings to average equity (ytd only) | 5.0032% | 2,396 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 38.2066% | 4,383 |
| Assets per employee ($millions) | 6.0952% | 2,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5038% | 1,068 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 28.5200% | 4,304 |
| Net loans and leases to deposits | 34.0284% | 4,287 |
| Net loans and leases to core deposits | 34.5691% | 4,348 |
| Total domestic deposits to total assets | 83.8300% | 2,765 |
| Equity capital to assets | 12.7672% | 917 |
| Core capital (leverage) ratio | 15.4694% | 549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $61,527,500 | 4,183 |
| Average earning assets | $53,793,000 | 4,195 |
| Average equity | $8,554,500 | 3,932 |
| Average total loans | $19,592,500 | 4,292 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1394% | 1,776 |
| Cost of funding earning assets | 1.3820% | 2,275 |
| Net interest margin | 3.7574% | 1,634 |
| Noninterest income to average assets | 0.6300% | 1,422 |
| Noninterest expense to average assets | 2.9194% | 1,235 |
| Loan and lease loss provision to assets | -1.0400% | 4,595 |
| Net operating income to assets | 2.0036% | 463 |
| Return on assets (ROA) | 2.0036% | 446 |
| Pretax return on assets | 2.0036% | 669 |
| Return on Equity (ROE) | 13.9600% | 1,495 |
| Retained earnings to average equity (ytd only) | 3.2387% | 3,208 |
| Net charge-offs to loans | -0.0187% | 4,140 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 75.0903% | 1,340 |
| Assets per employee ($millions) | 4.6673% | 3,844 |
| Cash dividends to net income (ytd only)* | 76.7951% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4721% | 1,138 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 34.7800% | 4,192 |
| Net loans and leases to deposits | 43.1069% | 4,122 |
| Net loans and leases to core deposits | 43.9433% | 4,205 |
| Total domestic deposits to total assets | 80.6700% | 3,360 |
| Equity capital to assets | 15.2639% | 531 |
| Core capital (leverage) ratio | 17.3781% | 379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $56,997,200 | 4,247 |
| Average earning assets | $49,422,400 | 4,261 |
| Average equity | $8,182,200 | 3,909 |
| Average total loans | $21,418,400 | 4,275 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8147% | 2,232 |
| Cost of funding earning assets | 1.3041% | 2,135 |
| Net interest margin | 3.5106% | 2,184 |
| Noninterest income to average assets | 0.6200% | 1,445 |
| Noninterest expense to average assets | 2.7717% | 1,497 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9060% | 2,659 |
| Return on assets (ROA) | 0.9060% | 2,643 |
| Pretax return on assets | 0.9060% | 3,088 |
| Return on Equity (ROE) | 6.4100% | 3,564 |
| Retained earnings to average equity (ytd only) | 4.3507% | 3,169 |
| Net charge-offs to loans | -0.0183% | 4,108 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 75.3642% | 1,235 |
| Assets per employee ($millions) | 4.6838% | 3,829 |
| Cash dividends to net income (ytd only)* | 32.1337% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0308% | 55 |
| Loan loss allowance to noncurrent loans | 172.8880% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 0.9056% | 596 |
| Noncurrent loans to loans | 2.3314% | 218 |
| Net loans and leases to total assets | 37.2800% | 4,144 |
| Net loans and leases to deposits | 45.5122% | 4,066 |
| Net loans and leases to core deposits | 46.3663% | 4,119 |
| Total domestic deposits to total assets | 81.9100% | 3,232 |
| Equity capital to assets | 14.0664% | 642 |
| Core capital (leverage) ratio | 17.4491% | 379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $57,244,500 | 4,256 |
| Average earning assets | $49,790,500 | 4,277 |
| Average equity | $8,090,500 | 3,926 |
| Average total loans | $21,831,000 | 4,290 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7657% | 2,072 |
| Cost of funding earning assets | 1.2363% | 1,889 |
| Net interest margin | 3.5294% | 2,203 |
| Noninterest income to average assets | 0.6000% | 1,452 |
| Noninterest expense to average assets | 2.8268% | 1,362 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8474% | 2,931 |
| Return on assets (ROA) | 0.8474% | 2,939 |
| Pretax return on assets | 0.8474% | 3,285 |
| Return on Equity (ROE) | 5.9900% | 3,690 |
| Retained earnings to average equity (ytd only) | 4.7350% | 3,015 |
| Net charge-offs to loans | 0.0366% | 1,174 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 61.0000% | 1,192 |
| Efficiency ratio | 76.9376% | 1,097 |
| Assets per employee ($millions) | 5.0856% | 3,520 |
| Cash dividends to net income (ytd only)* | 20.9016% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7782% | 69 |
| Loan loss allowance to noncurrent loans | 126.7054% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 1.2316% | 323 |
| Noncurrent loans to loans | 2.9819% | 144 |
| Net loans and leases to total assets | 39.7400% | 4,047 |
| Net loans and leases to deposits | 48.8005% | 3,960 |
| Net loans and leases to core deposits | 49.3639% | 4,037 |
| Total domestic deposits to total assets | 81.4400% | 3,350 |
| Equity capital to assets | 14.5383% | 572 |
| Core capital (leverage) ratio | 17.6825% | 360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $57,591,000 | 4,273 |
| Average earning assets | $50,149,667 | 4,291 |
| Average equity | $8,152,000 | 3,936 |
| Average total loans | $21,830,667 | 4,306 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5355% | 2,234 |
| Cost of funding earning assets | 1.1045% | 1,741 |
| Net interest margin | 3.4310% | 2,555 |
| Noninterest income to average assets | 0.5800% | 1,496 |
| Noninterest expense to average assets | 2.7390% | 1,572 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8422% | 3,044 |
| Return on assets (ROA) | 0.8422% | 3,002 |
| Pretax return on assets | 0.8422% | 3,359 |
| Return on Equity (ROE) | 6.0300% | 3,709 |
| Retained earnings to average equity (ytd only) | 6.0283% | 2,753 |
| Net charge-offs to loans | -0.0377% | 4,286 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 76.4818% | 1,127 |
| Assets per employee ($millions) | 4.7599% | 3,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0857% | 59 |
| Loan loss allowance to noncurrent loans | 127.5762% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 1.2063% | 299 |
| Noncurrent loans to loans | 3.2026% | 134 |
| Net loans and leases to total assets | 36.1300% | 4,187 |
| Net loans and leases to deposits | 44.3783% | 4,087 |
| Net loans and leases to core deposits | 44.6220% | 4,156 |
| Total domestic deposits to total assets | 81.4100% | 3,570 |
| Equity capital to assets | 14.6851% | 508 |
| Core capital (leverage) ratio | 16.4739% | 425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $58,415,500 | 4,325 |
| Average earning assets | $51,064,000 | 4,342 |
| Average equity | $8,161,500 | 3,985 |
| Average total loans | $21,193,000 | 4,379 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5219% | 3,022 |
| Cost of funding earning assets | 0.4532% | 1,700 |
| Net interest margin | 3.0687% | 3,267 |
| Noninterest income to average assets | 0.5700% | 1,784 |
| Noninterest expense to average assets | 4.7040% | 243 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | -1.4898% | 4,677 |
| Return on assets (ROA) | -1.4898% | 4,673 |
| Pretax return on assets | -1.4898% | 4,667 |
| Return on Equity (ROE) | -9.4000% | 4,655 |
| Retained earnings to average equity (ytd only) | -9.4024% | 4,626 |
| Net charge-offs to loans | 0.0439% | 1,246 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | -96.6667% | 4,718 |
| Efficiency ratio | 146.3506% | 40 |
| Assets per employee ($millions) | 4.9760% | 3,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2018% | 58 |
| Loan loss allowance to noncurrent loans | 177.1717% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 0.8290% | 560 |
| Noncurrent loans to loans | 2.3716% | 200 |
| Net loans and leases to total assets | 33.4900% | 4,305 |
| Net loans and leases to deposits | 40.3475% | 4,233 |
| Net loans and leases to core deposits | 40.3475% | 4,271 |
| Total domestic deposits to total assets | 82.9900% | 3,421 |
| Equity capital to assets | 13.2888% | 660 |
| Core capital (leverage) ratio | 15.7532% | 483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $58,397,200 | 4,349 |
| Average earning assets | $50,313,800 | 4,370 |
| Average equity | $9,253,000 | 3,970 |
| Average total loans | $20,493,400 | 4,410 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3873% | 2,947 |
| Cost of funding earning assets | 0.3026% | 2,133 |
| Net interest margin | 3.0847% | 2,978 |
| Noninterest income to average assets | 0.5700% | 1,823 |
| Noninterest expense to average assets | 3.7885% | 380 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -0.5694% | 4,684 |
| Return on assets (ROA) | -0.5694% | 4,671 |
| Pretax return on assets | -0.5694% | 4,665 |
| Return on Equity (ROE) | -3.4500% | 4,640 |
| Retained earnings to average equity (ytd only) | -3.4506% | 4,553 |
| Net charge-offs to loans | 0.0523% | 960 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | -31.0000% | 4,747 |
| Efficiency ratio | 117.6890% | 74 |
| Assets per employee ($millions) | 4.5281% | 4,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4206% | 53 |
| Loan loss allowance to noncurrent loans | 177.1717% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 0.8409% | 590 |
| Noncurrent loans to loans | 2.4951% | 213 |
| Net loans and leases to total assets | 32.2100% | 4,365 |
| Net loans and leases to deposits | 39.4442% | 4,252 |
| Net loans and leases to core deposits | 39.4442% | 4,292 |
| Total domestic deposits to total assets | 81.6700% | 3,883 |
| Equity capital to assets | 14.5859% | 493 |
| Core capital (leverage) ratio | 17.3796% | 353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $58,068,500 | 4,391 |
| Average earning assets | $49,793,000 | 4,407 |
| Average equity | $9,582,500 | 3,964 |
| Average total loans | $20,398,750 | 4,444 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2352% | 2,939 |
| Cost of funding earning assets | 0.1824% | 3,150 |
| Net interest margin | 3.0528% | 2,708 |
| Noninterest income to average assets | 0.5709% | 1,860 |
| Noninterest expense to average assets | 2.9479% | 916 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2284% | 4,387 |
| Return on assets (ROA) | 0.2284% | 4,346 |
| Pretax return on assets | 0.2284% | 4,377 |
| Return on Equity (ROE) | 1.3314% | 4,422 |
| Retained earnings to average equity (ytd only) | 1.3314% | 3,918 |
| Net charge-offs to loans | -0.0389% | 4,142 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8105% | 328 |
| Assets per employee ($millions) | 4.4105% | 4,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2669% | 59 |
| Loan loss allowance to noncurrent loans | 179.5960% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 0.8633% | 595 |
| Noncurrent loans to loans | 2.3758% | 252 |
| Net loans and leases to total assets | 34.7873% | 4,296 |
| Net loans and leases to deposits | 43.4582% | 4,133 |
| Net loans and leases to core deposits | 43.6981% | 4,200 |
| Total domestic deposits to total assets | 80.0478% | 4,222 |
| Equity capital to assets | 16.1327% | 325 |
| Core capital (leverage) ratio | 18.0330% | 274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,803,000 | 4,438 |
| Average earning assets | $49,332,333 | 4,465 |
| Average equity | $9,914,667 | 4,005 |
| Average total loans | $20,585,333 | 4,497 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1352% | 2,865 |
| Cost of funding earning assets | 0.1458% | 3,554 |
| Net interest margin | 2.9894% | 2,535 |
| Noninterest income to average assets | 0.5514% | 1,893 |
| Noninterest expense to average assets | 3.0740% | 718 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0207% | 4,536 |
| Return on assets (ROA) | 0.0207% | 4,516 |
| Pretax return on assets | 0.0207% | 4,507 |
| Return on Equity (ROE) | 0.1171% | 4,520 |
| Retained earnings to average equity (ytd only) | 0.1171% | 3,994 |
| Net charge-offs to loans | -0.0195% | 3,895 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3318% | 257 |
| Assets per employee ($millions) | 4.4550% | 4,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2839% | 60 |
| Loan loss allowance to noncurrent loans | 143.1341% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 1.0688% | 453 |
| Noncurrent loans to loans | 2.9929% | 180 |
| Net loans and leases to total assets | 34.1811% | 4,299 |
| Net loans and leases to deposits | 43.1426% | 4,109 |
| Net loans and leases to core deposits | 43.3894% | 4,184 |
| Total domestic deposits to total assets | 79.2282% | 4,336 |
| Equity capital to assets | 17.0077% | 270 |
| Core capital (leverage) ratio | 17.9040% | 245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,036,000 | 4,463 |
| Average earning assets | $49,375,000 | 4,492 |
| Average equity | $10,247,000 | 4,023 |
| Average total loans | $20,460,500 | 4,512 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5912% | 2,416 |
| Cost of funding earning assets | 0.1647% | 3,822 |
| Net interest margin | 3.4265% | 1,944 |
| Noninterest income to average assets | 0.5843% | 2,226 |
| Noninterest expense to average assets | 2.9939% | 990 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5712% | 3,936 |
| Return on assets (ROA) | 0.5712% | 3,979 |
| Pretax return on assets | 0.5712% | 4,152 |
| Return on Equity (ROE) | 2.8578% | 4,387 |
| Retained earnings to average equity (ytd only) | 1.6011% | 4,090 |
| Net charge-offs to loans | -0.1332% | 4,645 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9770% | 572 |
| Assets per employee ($millions) | 4.4736% | 4,134 |
| Cash dividends to net income (ytd only)* | 43.9739% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3727% | 56 |
| Loan loss allowance to noncurrent loans | 118.7919% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 1.2810% | 371 |
| Noncurrent loans to loans | 3.6810% | 128 |
| Net loans and leases to total assets | 33.2789% | 4,398 |
| Net loans and leases to deposits | 42.6873% | 4,242 |
| Net loans and leases to core deposits | 42.6873% | 4,317 |
| Total domestic deposits to total assets | 77.9597% | 4,396 |
| Equity capital to assets | 18.3022% | 245 |
| Core capital (leverage) ratio | 19.4909% | 187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,742,400 | 4,525 |
| Average earning assets | $46,753,400 | 4,543 |
| Average equity | $10,742,400 | 4,064 |
| Average total loans | $22,524,000 | 4,527 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7353% | 2,184 |
| Cost of funding earning assets | 0.1702% | 3,920 |
| Net interest margin | 3.5652% | 1,685 |
| Noninterest income to average assets | 0.6054% | 2,199 |
| Noninterest expense to average assets | 3.0319% | 913 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7042% | 3,755 |
| Return on assets (ROA) | 0.7042% | 3,825 |
| Pretax return on assets | 0.7042% | 4,063 |
| Return on Equity (ROE) | 3.4425% | 4,393 |
| Retained earnings to average equity (ytd only) | 1.7708% | 4,254 |
| Net charge-offs to loans | -0.1847% | 4,760 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1525% | 694 |
| Assets per employee ($millions) | 3.8639% | 4,518 |
| Cash dividends to net income (ytd only)* | 48.5612% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8654% | 74 |
| Loan loss allowance to noncurrent loans | 118.9008% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 1.3791% | 383 |
| Noncurrent loans to loans | 3.2510% | 188 |
| Net loans and leases to total assets | 40.7809% | 4,167 |
| Net loans and leases to deposits | 53.6205% | 3,774 |
| Net loans and leases to core deposits | 53.6205% | 3,938 |
| Total domestic deposits to total assets | 76.0546% | 4,538 |
| Equity capital to assets | 19.9486% | 192 |
| Core capital (leverage) ratio | 19.4355% | 204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,638,750 | 4,598 |
| Average earning assets | $46,224,000 | 4,611 |
| Average equity | $10,767,000 | 4,113 |
| Average total loans | $23,095,250 | 4,570 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9008% | 1,815 |
| Cost of funding earning assets | 0.1745% | 3,997 |
| Net interest margin | 3.7262% | 1,279 |
| Noninterest income to average assets | 0.6174% | 2,140 |
| Noninterest expense to average assets | 3.0142% | 963 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8782% | 3,279 |
| Return on assets (ROA) | 0.8782% | 3,361 |
| Pretax return on assets | 0.8782% | 3,709 |
| Return on Equity (ROE) | 4.2569% | 4,287 |
| Retained earnings to average equity (ytd only) | 2.3050% | 4,048 |
| Net charge-offs to loans | -0.2506% | 4,820 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4384% | 956 |
| Assets per employee ($millions) | 3.7634% | 4,574 |
| Cash dividends to net income (ytd only)* | 45.8515% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7990% | 78 |
| Loan loss allowance to noncurrent loans | 118.4987% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 1.4159% | 423 |
| Noncurrent loans to loans | 3.2060% | 214 |
| Net loans and leases to total assets | 42.4868% | 4,148 |
| Net loans and leases to deposits | 56.2975% | 3,689 |
| Net loans and leases to core deposits | 56.2975% | 3,868 |
| Total domestic deposits to total assets | 75.4683% | 4,591 |
| Equity capital to assets | 20.4491% | 172 |
| Core capital (leverage) ratio | 20.1016% | 176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,153,667 | 4,633 |
| Average earning assets | $45,837,333 | 4,643 |
| Average equity | $10,759,000 | 4,128 |
| Average total loans | $23,144,667 | 4,608 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2155% | 1,168 |
| Cost of funding earning assets | 0.1837% | 4,053 |
| Net interest margin | 4.0318% | 806 |
| Noninterest income to average assets | 0.6553% | 2,010 |
| Noninterest expense to average assets | 2.9757% | 1,037 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2334% | 2,035 |
| Return on assets (ROA) | 1.2334% | 2,121 |
| Pretax return on assets | 1.2334% | 2,751 |
| Return on Equity (ROE) | 5.9527% | 3,870 |
| Retained earnings to average equity (ytd only) | 3.1623% | 3,731 |
| Net charge-offs to loans | -0.2599% | 4,830 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6960% | 1,630 |
| Assets per employee ($millions) | 3.9768% | 4,490 |
| Cash dividends to net income (ytd only)* | 46.8750% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7124% | 85 |
| Loan loss allowance to noncurrent loans | 116.5997% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 1.4449% | 461 |
| Noncurrent loans to loans | 3.1839% | 236 |
| Net loans and leases to total assets | 43.6980% | 4,134 |
| Net loans and leases to deposits | 58.2302% | 3,628 |
| Net loans and leases to core deposits | 58.2302% | 3,817 |
| Total domestic deposits to total assets | 75.0435% | 4,624 |
| Equity capital to assets | 20.8248% | 156 |
| Core capital (leverage) ratio | 20.2212% | 181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,887,000 | 4,653 |
| Average earning assets | $45,736,000 | 4,662 |
| Average equity | $10,751,500 | 4,140 |
| Average total loans | $23,082,500 | 4,633 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1832% | 2,187 |
| Cost of funding earning assets | 0.3193% | 4,031 |
| Net interest margin | 3.8639% | 1,324 |
| Noninterest income to average assets | 0.5805% | 2,303 |
| Noninterest expense to average assets | 2.9046% | 1,672 |
| Loan and lease loss provision to assets | 0.0364% | 3,956 |
| Net operating income to assets | 1.0417% | 2,135 |
| Return on assets (ROA) | 1.0417% | 2,279 |
| Pretax return on assets | 1.0417% | 2,906 |
| Return on Equity (ROE) | 4.8360% | 3,946 |
| Retained earnings to average equity (ytd only) | 2.2724% | 3,720 |
| Net charge-offs to loans | -0.1600% | 4,871 |
| Credit loss provision to net charge-offs | -50.0000% | 3,691 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9304% | 1,580 |
| Assets per employee ($millions) | 4.7342% | 3,684 |
| Cash dividends to net income (ytd only)* | 53.0097% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7660% | 75 |
| Loan loss allowance to noncurrent loans | 114.0000% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 1.4402% | 524 |
| Noncurrent loans to loans | 3.3035% | 236 |
| Net loans and leases to total assets | 41.9541% | 4,353 |
| Net loans and leases to deposits | 55.7162% | 4,016 |
| Net loans and leases to core deposits | 55.7162% | 4,164 |
| Total domestic deposits to total assets | 75.2996% | 4,554 |
| Equity capital to assets | 20.6179% | 174 |
| Core capital (leverage) ratio | 20.3258% | 176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,439,600 | 4,661 |
| Average earning assets | $43,531,600 | 4,679 |
| Average equity | $10,649,400 | 4,134 |
| Average total loans | $22,497,600 | 4,668 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3773% | 1,903 |
| Cost of funding earning assets | 0.3666% | 3,967 |
| Net interest margin | 4.0107% | 1,090 |
| Noninterest income to average assets | 0.5631% | 2,336 |
| Noninterest expense to average assets | 2.8590% | 1,804 |
| Loan and lease loss provision to assets | 0.0492% | 3,738 |
| Net operating income to assets | 1.1835% | 1,696 |
| Return on assets (ROA) | 1.1835% | 1,816 |
| Pretax return on assets | 1.1835% | 2,446 |
| Return on Equity (ROE) | 5.4323% | 3,743 |
| Retained earnings to average equity (ytd only) | 2.9483% | 3,545 |
| Net charge-offs to loans | -0.1247% | 4,859 |
| Credit loss provision to net charge-offs | -85.7143% | 3,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8731% | 1,902 |
| Assets per employee ($millions) | 4.5983% | 3,727 |
| Cash dividends to net income (ytd only)* | 45.7275% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6067% | 82 |
| Loan loss allowance to noncurrent loans | 96.4450% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 2.0482% | 312 |
| Noncurrent loans to loans | 3.7396% | 189 |
| Net loans and leases to total assets | 44.4376% | 4,401 |
| Net loans and leases to deposits | 59.8604% | 4,065 |
| Net loans and leases to core deposits | 59.8604% | 4,212 |
| Total domestic deposits to total assets | 74.2354% | 4,554 |
| Equity capital to assets | 21.5911% | 156 |
| Core capital (leverage) ratio | 20.6530% | 179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,780,500 | 4,690 |
| Average earning assets | $42,917,750 | 4,708 |
| Average equity | $10,627,500 | 4,137 |
| Average total loans | $22,446,250 | 4,697 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5239% | 1,850 |
| Cost of funding earning assets | 0.4349% | 3,873 |
| Net interest margin | 4.0890% | 1,141 |
| Noninterest income to average assets | 0.5687% | 2,262 |
| Noninterest expense to average assets | 2.9224% | 1,777 |
| Loan and lease loss provision to assets | 0.0623% | 3,516 |
| Net operating income to assets | 1.1748% | 1,710 |
| Return on assets (ROA) | 1.1748% | 1,847 |
| Pretax return on assets | 1.1748% | 2,448 |
| Return on Equity (ROE) | 5.3753% | 3,727 |
| Retained earnings to average equity (ytd only) | 3.0390% | 3,369 |
| Net charge-offs to loans | -0.0722% | 4,776 |
| Credit loss provision to net charge-offs | -187.5000% | 3,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2595% | 1,921 |
| Assets per employee ($millions) | 4.4595% | 3,837 |
| Cash dividends to net income (ytd only)* | 43.4629% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5923% | 83 |
| Loan loss allowance to noncurrent loans | 76.6017% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 2.1955% | 303 |
| Noncurrent loans to loans | 4.6895% | 125 |
| Net loans and leases to total assets | 45.1360% | 4,398 |
| Net loans and leases to deposits | 61.3086% | 4,053 |
| Net loans and leases to core deposits | 61.3086% | 4,198 |
| Total domestic deposits to total assets | 73.6209% | 4,617 |
| Equity capital to assets | 22.1307% | 142 |
| Core capital (leverage) ratio | 21.2281% | 163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,180,333 | 4,714 |
| Average earning assets | $42,308,667 | 4,737 |
| Average equity | $10,529,667 | 4,163 |
| Average total loans | $22,155,667 | 4,730 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4405% | 2,476 |
| Cost of funding earning assets | 0.6112% | 3,377 |
| Net interest margin | 3.8293% | 1,880 |
| Noninterest income to average assets | 0.6284% | 1,908 |
| Noninterest expense to average assets | 3.1585% | 1,511 |
| Loan and lease loss provision to assets | 0.0670% | 2,923 |
| Net operating income to assets | 0.7624% | 3,047 |
| Return on assets (ROA) | 0.7624% | 3,125 |
| Pretax return on assets | 0.7624% | 3,516 |
| Return on Equity (ROE) | 3.5113% | 4,090 |
| Retained earnings to average equity (ytd only) | -0.1158% | 4,010 |
| Net charge-offs to loans | -0.1655% | 4,917 |
| Credit loss provision to net charge-offs | -88.8889% | 3,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2017% | 1,220 |
| Assets per employee ($millions) | 4.7307% | 2,953 |
| Cash dividends to net income (ytd only)* | 103.2967% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7044% | 92 |
| Loan loss allowance to noncurrent loans | 66.1017% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 2.6191% | 254 |
| Noncurrent loans to loans | 5.6041% | 94 |
| Net loans and leases to total assets | 45.0039% | 4,469 |
| Net loans and leases to deposits | 61.2239% | 4,146 |
| Net loans and leases to core deposits | 61.2239% | 4,303 |
| Total domestic deposits to total assets | 73.5071% | 4,687 |
| Equity capital to assets | 22.1511% | 169 |
| Core capital (leverage) ratio | 21.4900% | 186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,743,500 | 4,746 |
| Average earning assets | $41,887,500 | 4,778 |
| Average equity | $10,366,500 | 4,197 |
| Average total loans | $21,750,500 | 4,770 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5506% | 2,779 |
| Cost of funding earning assets | 0.6721% | 3,302 |
| Net interest margin | 3.8785% | 2,250 |
| Noninterest income to average assets | 0.5956% | 2,245 |
| Noninterest expense to average assets | 2.8795% | 2,351 |
| Loan and lease loss provision to assets | 0.0482% | 3,063 |
| Net operating income to assets | 1.0927% | 2,470 |
| Return on assets (ROA) | 1.0927% | 2,574 |
| Pretax return on assets | 1.0927% | 3,188 |
| Return on Equity (ROE) | 5.2723% | 4,139 |
| Retained earnings to average equity (ytd only) | 3.3192% | 3,348 |
| Net charge-offs to loans | -0.0835% | 4,928 |
| Credit loss provision to net charge-offs | -127.7778% | 4,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6223% | 1,923 |
| Assets per employee ($millions) | 4.8180% | 2,818 |
| Cash dividends to net income (ytd only)* | 37.0441% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7491% | 71 |
| Loan loss allowance to noncurrent loans | 60.7116% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 2.7418% | 210 |
| Noncurrent loans to loans | 6.1752% | 65 |
| Net loans and leases to total assets | 42.7356% | 4,652 |
| Net loans and leases to deposits | 57.3394% | 4,398 |
| Net loans and leases to core deposits | 79.1588% | 3,366 |
| Total domestic deposits to total assets | 74.5309% | 4,735 |
| Equity capital to assets | 21.2827% | 195 |
| Core capital (leverage) ratio | 20.7731% | 207 |
| Tier 1 risk-based capital ratio | 42.7275% | 204 |
| Total risk-based capital ratio | 44.0039% | 196 |
| Memoranda: | ||
| Average total assets | $47,681,200 | 4,789 |
| Average earning assets | $42,104,000 | 4,813 |
| Average equity | $9,881,800 | 4,255 |
| Average total loans | $21,557,600 | 4,826 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5364% | 2,939 |
| Cost of funding earning assets | 0.6626% | 3,385 |
| Net interest margin | 3.8739% | 2,353 |
| Noninterest income to average assets | 0.5944% | 2,231 |
| Noninterest expense to average assets | 2.9326% | 2,153 |
| Loan and lease loss provision to assets | 0.0645% | 2,603 |
| Net operating income to assets | 1.0233% | 2,899 |
| Return on assets (ROA) | 1.0233% | 2,973 |
| Pretax return on assets | 1.0233% | 3,514 |
| Return on Equity (ROE) | 4.9715% | 4,334 |
| Retained earnings to average equity (ytd only) | 3.3235% | 3,745 |
| Net charge-offs to loans | -0.0802% | 4,952 |
| Credit loss provision to net charge-offs | -176.9231% | 4,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9428% | 1,707 |
| Assets per employee ($millions) | 4.8181% | 2,770 |
| Cash dividends to net income (ytd only)* | 33.1511% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9063% | 67 |
| Loan loss allowance to noncurrent loans | 87.3904% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 1.8929% | 494 |
| Noncurrent loans to loans | 4.4699% | 131 |
| Net loans and leases to total assets | 40.6924% | 4,793 |
| Net loans and leases to deposits | 54.4384% | 4,609 |
| Net loans and leases to core deposits | 77.8603% | 3,561 |
| Total domestic deposits to total assets | 74.7494% | 4,763 |
| Equity capital to assets | 21.1245% | 213 |
| Core capital (leverage) ratio | 20.8274% | 209 |
| Tier 1 risk-based capital ratio | 39.2930% | 256 |
| Total risk-based capital ratio | 40.5670% | 253 |
| Memoranda: | ||
| Average total assets | $47,556,500 | 4,855 |
| Average earning assets | $42,058,500 | 4,884 |
| Average equity | $9,788,750 | 4,313 |
| Average total loans | $21,599,000 | 4,900 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5465% | 2,860 |
| Cost of funding earning assets | 0.6495% | 3,414 |
| Net interest margin | 3.8970% | 2,251 |
| Noninterest income to average assets | 0.5871% | 2,213 |
| Noninterest expense to average assets | 2.9990% | 2,011 |
| Loan and lease loss provision to assets | 0.0634% | 2,549 |
| Net operating income to assets | 0.9715% | 3,020 |
| Return on assets (ROA) | 0.9715% | 3,093 |
| Pretax return on assets | 0.9715% | 3,641 |
| Return on Equity (ROE) | 4.7624% | 4,403 |
| Retained earnings to average equity (ytd only) | 3.7064% | 3,407 |
| Net charge-offs to loans | -0.1546% | 5,087 |
| Credit loss provision to net charge-offs | -88.2353% | 3,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3455% | 1,603 |
| Assets per employee ($millions) | 4.8159% | 2,723 |
| Cash dividends to net income (ytd only)* | 22.1739% | 2,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6510% | 74 |
| Loan loss allowance to noncurrent loans | 95.3125% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 1.7276% | 606 |
| Noncurrent loans to loans | 3.8306% | 196 |
| Net loans and leases to total assets | 43.4540% | 4,741 |
| Net loans and leases to deposits | 57.8829% | 4,521 |
| Net loans and leases to core deposits | 79.8009% | 3,443 |
| Total domestic deposits to total assets | 75.0722% | 4,758 |
| Equity capital to assets | 20.8435% | 216 |
| Core capital (leverage) ratio | 20.8266% | 204 |
| Tier 1 risk-based capital ratio | 37.7697% | 277 |
| Total risk-based capital ratio | 39.0404% | 274 |
| Memoranda: | ||
| Average total assets | $47,348,330 | 4,903 |
| Average earning assets | $41,878,000 | 4,926 |
| Average equity | $9,659,000 | 4,349 |
| Average total loans | $21,997,670 | 4,938 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4892% | 2,912 |
| Cost of funding earning assets | 0.5973% | 3,592 |
| Net interest margin | 3.8919% | 2,216 |
| Noninterest income to average assets | 0.5965% | 2,060 |
| Noninterest expense to average assets | 3.1868% | 1,526 |
| Loan and lease loss provision to assets | 0.0682% | 2,304 |
| Net operating income to assets | 0.7839% | 3,675 |
| Return on assets (ROA) | 0.7839% | 3,721 |
| Pretax return on assets | 0.7839% | 4,082 |
| Return on Equity (ROE) | 3.8862% | 4,600 |
| Retained earnings to average equity (ytd only) | 2.8301% | 3,808 |
| Net charge-offs to loans | 0.0361% | 1,753 |
| Credit loss provision to net charge-offs | 400.0000% | 692 |
| Earnings coverage of net charge-offs (x) | 50.0000% | 1,027 |
| Efficiency ratio | 78.9030% | 1,171 |
| Assets per employee ($millions) | 4.6810% | 2,941 |
| Cash dividends to net income (ytd only)* | 27.1739% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4603% | 87 |
| Loan loss allowance to noncurrent loans | 64.6712% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 2.5336% | 302 |
| Noncurrent loans to loans | 5.3505% | 100 |
| Net loans and leases to total assets | 45.7146% | 4,680 |
| Net loans and leases to deposits | 60.6049% | 4,382 |
| Net loans and leases to core deposits | 82.7366% | 3,130 |
| Total domestic deposits to total assets | 75.4305% | 4,822 |
| Equity capital to assets | 20.4422% | 226 |
| Core capital (leverage) ratio | 20.8297% | 208 |
| Tier 1 risk-based capital ratio | 37.3104% | 269 |
| Total risk-based capital ratio | 38.5800% | 265 |
| Memoranda: | ||
| Average total assets | $46,943,000 | 4,958 |
| Average earning assets | $41,522,000 | 4,982 |
| Average equity | $9,469,500 | 4,406 |
| Average total loans | $22,136,500 | 4,991 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3382% | 2,972 |
| Cost of funding earning assets | 0.4733% | 3,532 |
| Net interest margin | 3.8649% | 2,446 |
| Noninterest income to average assets | 0.5848% | 2,380 |
| Noninterest expense to average assets | 2.8418% | 2,545 |
| Loan and lease loss provision to assets | 0.0616% | 2,926 |
| Net operating income to assets | 1.0998% | 2,598 |
| Return on assets (ROA) | 1.0998% | 2,595 |
| Pretax return on assets | 1.0998% | 3,268 |
| Return on Equity (ROE) | 5.7641% | 4,243 |
| Retained earnings to average equity (ytd only) | 2.3766% | 4,189 |
| Net charge-offs to loans | 0.0131% | 3,244 |
| Credit loss provision to net charge-offs | 1,000.0000% | 371 |
| Earnings coverage of net charge-offs (x) | 188.6667% | 471 |
| Efficiency ratio | 70.9892% | 2,044 |
| Assets per employee ($millions) | 4.7076% | 2,866 |
| Cash dividends to net income (ytd only)* | 58.7687% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4423% | 86 |
| Loan loss allowance to noncurrent loans | 58.3142% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 2.7721% | 250 |
| Noncurrent loans to loans | 5.9031% | 77 |
| Net loans and leases to total assets | 45.3437% | 4,767 |
| Net loans and leases to deposits | 59.6107% | 4,501 |
| Net loans and leases to core deposits | 80.3085% | 3,404 |
| Total domestic deposits to total assets | 76.0664% | 4,749 |
| Equity capital to assets | 19.9040% | 237 |
| Core capital (leverage) ratio | 20.8687% | 201 |
| Tier 1 risk-based capital ratio | 37.0858% | 278 |
| Total risk-based capital ratio | 38.3565% | 274 |
| Memoranda: | ||
| Average total assets | $48,736,000 | 4,958 |
| Average earning assets | $43,105,800 | 4,988 |
| Average equity | $9,299,000 | 4,423 |
| Average total loans | $22,945,600 | 5,003 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3827% | 2,679 |
| Cost of funding earning assets | 0.4542% | 3,499 |
| Net interest margin | 3.9285% | 2,205 |
| Noninterest income to average assets | 0.5724% | 2,463 |
| Noninterest expense to average assets | 2.7696% | 2,745 |
| Loan and lease loss provision to assets | 0.0624% | 2,725 |
| Net operating income to assets | 1.2126% | 2,192 |
| Return on assets (ROA) | 1.2126% | 2,193 |
| Pretax return on assets | 1.2126% | 2,946 |
| Return on Equity (ROE) | 6.4214% | 4,136 |
| Retained earnings to average equity (ytd only) | 3.0167% | 4,233 |
| Net charge-offs to loans | 0.0115% | 3,002 |
| Credit loss provision to net charge-offs | 1,150.0000% | 358 |
| Earnings coverage of net charge-offs (x) | 234.7004% | 393 |
| Efficiency ratio | 68.4775% | 2,451 |
| Assets per employee ($millions) | 4.8230% | 2,691 |
| Cash dividends to net income (ytd only)* | 53.0193% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3808% | 92 |
| Loan loss allowance to noncurrent loans | 129.5026% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 1.2088% | 1,153 |
| Noncurrent loans to loans | 2.6106% | 485 |
| Net loans and leases to total assets | 44.7377% | 4,855 |
| Net loans and leases to deposits | 58.1418% | 4,638 |
| Net loans and leases to core deposits | 81.0586% | 3,401 |
| Total domestic deposits to total assets | 76.9459% | 4,654 |
| Equity capital to assets | 19.1831% | 262 |
| Core capital (leverage) ratio | 20.5483% | 214 |
| Tier 1 risk-based capital ratio | 36.6949% | 284 |
| Total risk-based capital ratio | 37.9650% | 275 |
| Memoranda: | ||
| Average total assets | $49,151,000 | 5,010 |
| Average earning assets | $43,442,000 | 5,039 |
| Average equity | $9,281,250 | 4,462 |
| Average total loans | $23,155,250 | 5,057 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3996% | 2,415 |
| Cost of funding earning assets | 0.4432% | 3,397 |
| Net interest margin | 3.9564% | 2,013 |
| Noninterest income to average assets | 0.5783% | 2,437 |
| Noninterest expense to average assets | 2.7943% | 2,675 |
| Loan and lease loss provision to assets | 0.0607% | 2,688 |
| Net operating income to assets | 1.2253% | 2,080 |
| Return on assets (ROA) | 1.2253% | 2,080 |
| Pretax return on assets | 1.2253% | 2,849 |
| Return on Equity (ROE) | 6.5224% | 4,053 |
| Retained earnings to average equity (ytd only) | 3.5734% | 3,813 |
| Net charge-offs to loans | 0.0256% | 2,341 |
| Credit loss provision to net charge-offs | 500.0000% | 700 |
| Earnings coverage of net charge-offs (x) | 106.0000% | 670 |
| Efficiency ratio | 68.4836% | 2,563 |
| Assets per employee ($millions) | 4.3958% | 3,284 |
| Cash dividends to net income (ytd only)* | 45.2145% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3114% | 103 |
| Loan loss allowance to noncurrent loans | 124.1265% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 1.2429% | 1,145 |
| Noncurrent loans to loans | 2.6678% | 462 |
| Net loans and leases to total assets | 45.0469% | 4,866 |
| Net loans and leases to deposits | 58.4658% | 4,612 |
| Net loans and leases to core deposits | 81.5836% | 3,282 |
| Total domestic deposits to total assets | 77.0484% | 4,728 |
| Equity capital to assets | 19.1815% | 257 |
| Core capital (leverage) ratio | 20.2266% | 216 |
| Tier 1 risk-based capital ratio | 36.2396% | 298 |
| Total risk-based capital ratio | 37.5070% | 288 |
| Memoranda: | ||
| Average total assets | $49,458,000 | 5,057 |
| Average earning assets | $43,776,670 | 5,094 |
| Average equity | $9,291,000 | 4,497 |
| Average total loans | $23,429,670 | 5,104 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1943% | 2,899 |
| Cost of funding earning assets | 0.4212% | 3,434 |
| Net interest margin | 3.7731% | 2,531 |
| Noninterest income to average assets | 0.6239% | 2,156 |
| Noninterest expense to average assets | 2.8314% | 2,598 |
| Loan and lease loss provision to assets | 0.0640% | 2,489 |
| Net operating income to assets | 1.0958% | 2,442 |
| Return on assets (ROA) | 1.0958% | 2,456 |
| Pretax return on assets | 1.0958% | 3,188 |
| Return on Equity (ROE) | 5.8931% | 4,192 |
| Retained earnings to average equity (ytd only) | 3.0111% | 3,994 |
| Net charge-offs to loans | -0.0670% | 5,092 |
| Credit loss provision to net charge-offs | -200.0000% | 3,808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9419% | 2,355 |
| Assets per employee ($millions) | 4.5132% | 3,132 |
| Cash dividends to net income (ytd only)* | 48.9051% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1412% | 132 |
| Loan loss allowance to noncurrent loans | 102.3352% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 1.4664% | 969 |
| Noncurrent loans to loans | 3.0695% | 385 |
| Net loans and leases to total assets | 46.2725% | 4,782 |
| Net loans and leases to deposits | 59.4560% | 4,511 |
| Net loans and leases to core deposits | 86.0600% | 2,799 |
| Total domestic deposits to total assets | 77.8266% | 4,750 |
| Equity capital to assets | 18.5819% | 276 |
| Core capital (leverage) ratio | 19.4358% | 234 |
| Tier 1 risk-based capital ratio | 34.6976% | 332 |
| Total risk-based capital ratio | 35.9666% | 330 |
| Memoranda: | ||
| Average total assets | $50,010,000 | 5,110 |
| Average earning assets | $44,631,500 | 5,141 |
| Average equity | $9,299,000 | 4,540 |
| Average total loans | $23,880,500 | 5,149 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1370% | 2,925 |
| Cost of funding earning assets | 0.3374% | 3,820 |
| Net interest margin | 3.7996% | 2,432 |
| Noninterest income to average assets | 0.6407% | 2,247 |
| Noninterest expense to average assets | 2.7262% | 3,041 |
| Loan and lease loss provision to assets | 0.1209% | 1,895 |
| Net operating income to assets | 1.1747% | 1,597 |
| Return on assets (ROA) | 1.1747% | 1,619 |
| Pretax return on assets | 1.1747% | 2,870 |
| Return on Equity (ROE) | 6.2270% | 3,662 |
| Retained earnings to average equity (ytd only) | 2.3605% | 3,911 |
| Net charge-offs to loans | 0.1460% | 1,624 |
| Credit loss provision to net charge-offs | 171.4286% | 1,577 |
| Earnings coverage of net charge-offs (x) | 18.3714% | 2,079 |
| Efficiency ratio | 67.7856% | 2,934 |
| Assets per employee ($millions) | 4.5795% | 3,059 |
| Cash dividends to net income (ytd only)* | 62.0926% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0527% | 134 |
| Loan loss allowance to noncurrent loans | 128.0977% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 1.1375% | 1,314 |
| Noncurrent loans to loans | 2.3831% | 581 |
| Net loans and leases to total assets | 46.2730% | 4,878 |
| Net loans and leases to deposits | 59.3855% | 4,606 |
| Net loans and leases to core deposits | 87.1141% | 2,809 |
| Total domestic deposits to total assets | 77.9196% | 4,728 |
| Equity capital to assets | 18.6065% | 271 |
| Core capital (leverage) ratio | 18.9569% | 237 |
| Tier 1 risk-based capital ratio | 34.2982% | 339 |
| Total risk-based capital ratio | 35.5654% | 333 |
| Memoranda: | ||
| Average total assets | $49,629,400 | 5,167 |
| Average earning assets | $44,162,000 | 5,187 |
| Average equity | $9,362,400 | 4,549 |
| Average total loans | $23,976,200 | 5,191 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1414% | 2,830 |
| Cost of funding earning assets | 0.3181% | 3,951 |
| Net interest margin | 3.8233% | 2,307 |
| Noninterest income to average assets | 0.6418% | 2,246 |
| Noninterest expense to average assets | 2.6751% | 3,140 |
| Loan and lease loss provision to assets | 0.1214% | 1,784 |
| Net operating income to assets | 1.2485% | 1,515 |
| Return on assets (ROA) | 1.2485% | 1,540 |
| Pretax return on assets | 1.2485% | 2,717 |
| Return on Equity (ROE) | 6.5955% | 3,862 |
| Retained earnings to average equity (ytd only) | 2.1510% | 4,572 |
| Net charge-offs to loans | -0.1725% | 5,500 |
| Credit loss provision to net charge-offs | -145.1613% | 4,568 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1333% | 3,186 |
| Assets per employee ($millions) | 4.5380% | 3,076 |
| Cash dividends to net income (ytd only)* | 67.3864% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2710% | 116 |
| Loan loss allowance to noncurrent loans | 125.6410% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 1.2501% | 1,304 |
| Noncurrent loans to loans | 2.6035% | 559 |
| Net loans and leases to total assets | 46.4442% | 4,910 |
| Net loans and leases to deposits | 59.9473% | 4,642 |
| Net loans and leases to core deposits | 88.0985% | 2,761 |
| Total domestic deposits to total assets | 77.4751% | 4,809 |
| Equity capital to assets | 19.0973% | 268 |
| Core capital (leverage) ratio | 18.8129% | 261 |
| Tier 1 risk-based capital ratio | 33.6308% | 361 |
| Total risk-based capital ratio | 34.9003% | 354 |
| Memoranda: | ||
| Average total assets | $49,443,000 | 5,225 |
| Average earning assets | $44,009,250 | 5,246 |
| Average equity | $9,359,750 | 4,594 |
| Average total loans | $23,959,250 | 5,245 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1268% | 2,743 |
| Cost of funding earning assets | 0.2918% | 4,164 |
| Net interest margin | 3.8350% | 2,155 |
| Noninterest income to average assets | 0.6493% | 2,207 |
| Noninterest expense to average assets | 2.6134% | 3,389 |
| Loan and lease loss provision to assets | 0.1217% | 1,703 |
| Net operating income to assets | 1.3270% | 1,226 |
| Return on assets (ROA) | 1.3270% | 1,251 |
| Pretax return on assets | 1.3270% | 2,280 |
| Return on Equity (ROE) | 7.0307% | 3,538 |
| Retained earnings to average equity (ytd only) | 2.1501% | 4,392 |
| Net charge-offs to loans | -0.0835% | 5,358 |
| Credit loss provision to net charge-offs | -300.0000% | 4,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3357% | 3,621 |
| Assets per employee ($millions) | 4.4746% | 3,150 |
| Cash dividends to net income (ytd only)* | 69.4190% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0592% | 155 |
| Loan loss allowance to noncurrent loans | 130.0870% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 1.1682% | 1,464 |
| Noncurrent loans to loans | 2.3516% | 667 |
| Net loans and leases to total assets | 48.1563% | 4,816 |
| Net loans and leases to deposits | 62.2224% | 4,491 |
| Net loans and leases to core deposits | 87.2814% | 2,772 |
| Total domestic deposits to total assets | 77.3938% | 4,904 |
| Equity capital to assets | 19.1991% | 256 |
| Core capital (leverage) ratio | 19.1052% | 236 |
| Tier 1 risk-based capital ratio | 33.1559% | 356 |
| Total risk-based capital ratio | 34.4248% | 350 |
| Memoranda: | ||
| Average total assets | $49,284,670 | 5,267 |
| Average earning assets | $43,859,670 | 5,292 |
| Average equity | $9,302,000 | 4,622 |
| Average total loans | $23,956,330 | 5,285 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0279% | 2,934 |
| Cost of funding earning assets | 0.2637% | 4,420 |
| Net interest margin | 3.7642% | 2,248 |
| Noninterest income to average assets | 0.6489% | 2,182 |
| Noninterest expense to average assets | 2.5144% | 3,765 |
| Loan and lease loss provision to assets | 0.1217% | 1,571 |
| Net operating income to assets | 1.3707% | 1,057 |
| Return on assets (ROA) | 1.3707% | 1,095 |
| Pretax return on assets | 1.3707% | 1,985 |
| Return on Equity (ROE) | 7.3255% | 3,249 |
| Retained earnings to average equity (ytd only) | 1.8205% | 4,387 |
| Net charge-offs to loans | -0.0169% | 4,647 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7530% | 4,026 |
| Assets per employee ($millions) | 5.5463% | 1,842 |
| Cash dividends to net income (ytd only)* | 75.1479% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0066% | 174 |
| Loan loss allowance to noncurrent loans | 145.5823% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 0.9977% | 1,829 |
| Noncurrent loans to loans | 2.0652% | 852 |
| Net loans and leases to total assets | 46.8558% | 4,901 |
| Net loans and leases to deposits | 59.9687% | 4,566 |
| Net loans and leases to core deposits | 84.5375% | 2,854 |
| Total domestic deposits to total assets | 78.1337% | 4,952 |
| Equity capital to assets | 18.5688% | 272 |
| Core capital (leverage) ratio | 19.3352% | 222 |
| Tier 1 risk-based capital ratio | 33.0914% | 374 |
| Total risk-based capital ratio | 34.3587% | 367 |
| Memoranda: | ||
| Average total assets | $49,316,500 | 5,326 |
| Average earning assets | $43,993,000 | 5,345 |
| Average equity | $9,228,000 | 4,673 |
| Average total loans | $23,709,000 | 5,345 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1789% | 2,560 |
| Cost of funding earning assets | 0.2516% | 4,551 |
| Net interest margin | 3.9273% | 1,868 |
| Noninterest income to average assets | 0.6544% | 2,399 |
| Noninterest expense to average assets | 2.8317% | 2,916 |
| Loan and lease loss provision to assets | 0.0935% | 2,486 |
| Net operating income to assets | 1.2320% | 1,404 |
| Return on assets (ROA) | 1.2320% | 1,491 |
| Pretax return on assets | 1.2320% | 2,544 |
| Return on Equity (ROE) | 6.3703% | 3,805 |
| Retained earnings to average equity (ytd only) | 4.1788% | 2,934 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1159% | 3,213 |
| Assets per employee ($millions) | 4.8716% | 2,541 |
| Cash dividends to net income (ytd only)* | 34.4013% | 3,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0424% | 168 |
| Loan loss allowance to noncurrent loans | 227.9743% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 0.6630% | 2,733 |
| Noncurrent loans to loans | 1.3345% | 1,540 |
| Net loans and leases to total assets | 46.3811% | 4,993 |
| Net loans and leases to deposits | 59.5797% | 4,702 |
| Net loans and leases to core deposits | 85.8473% | 2,863 |
| Total domestic deposits to total assets | 77.8471% | 4,997 |
| Equity capital to assets | 18.8583% | 252 |
| Core capital (leverage) ratio | 18.9144% | 235 |
| Tier 1 risk-based capital ratio | 33.6552% | 355 |
| Total risk-based capital ratio | 34.9208% | 348 |
| Memoranda: | ||
| Average total assets | $48,134,200 | 5,386 |
| Average earning assets | $42,930,000 | 5,400 |
| Average equity | $9,308,800 | 4,685 |
| Average total loans | $23,824,400 | 5,399 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1292% | 2,763 |
| Cost of funding earning assets | 0.2491% | 4,610 |
| Net interest margin | 3.8801% | 2,051 |
| Noninterest income to average assets | 0.6696% | 2,313 |
| Noninterest expense to average assets | 2.8923% | 2,664 |
| Loan and lease loss provision to assets | 0.1250% | 1,863 |
| Net operating income to assets | 1.1141% | 1,933 |
| Return on assets (ROA) | 1.1141% | 2,044 |
| Pretax return on assets | 1.1141% | 3,167 |
| Return on Equity (ROE) | 5.7248% | 4,206 |
| Retained earnings to average equity (ytd only) | 3.8404% | 3,575 |
| Net charge-offs to loans | -0.4119% | 5,871 |
| Credit loss provision to net charge-offs | -60.8108% | 4,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0067% | 2,886 |
| Assets per employee ($millions) | 4.8758% | 2,528 |
| Cash dividends to net income (ytd only)* | 32.9187% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3375% | 132 |
| Loan loss allowance to noncurrent loans | 110.4372% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 1.4787% | 1,221 |
| Noncurrent loans to loans | 3.0220% | 490 |
| Net loans and leases to total assets | 46.5113% | 5,061 |
| Net loans and leases to deposits | 60.2241% | 4,742 |
| Net loans and leases to core deposits | 85.0670% | 3,033 |
| Total domestic deposits to total assets | 77.2304% | 5,040 |
| Equity capital to assets | 19.5455% | 239 |
| Core capital (leverage) ratio | 19.0177% | 230 |
| Tier 1 risk-based capital ratio | 33.8505% | 361 |
| Total risk-based capital ratio | 35.1220% | 357 |
| Memoranda: | ||
| Average total assets | $47,988,750 | 5,441 |
| Average earning assets | $42,815,750 | 5,459 |
| Average equity | $9,339,250 | 4,733 |
| Average total loans | $23,954,500 | 5,449 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1222% | 2,772 |
| Cost of funding earning assets | 0.2491% | 4,671 |
| Net interest margin | 3.8731% | 2,073 |
| Noninterest income to average assets | 0.6746% | 2,254 |
| Noninterest expense to average assets | 3.0001% | 2,347 |
| Loan and lease loss provision to assets | 0.1257% | 1,809 |
| Net operating income to assets | 1.0014% | 2,395 |
| Return on assets (ROA) | 1.0014% | 2,527 |
| Pretax return on assets | 1.0014% | 3,580 |
| Return on Equity (ROE) | 5.1533% | 4,444 |
| Retained earnings to average equity (ytd only) | 3.0618% | 3,964 |
| Net charge-offs to loans | -0.2654% | 5,859 |
| Credit loss provision to net charge-offs | -93.7500% | 4,595 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6904% | 2,567 |
| Assets per employee ($millions) | 3.9358% | 4,027 |
| Cash dividends to net income (ytd only)* | 40.5858% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9834% | 199 |
| Loan loss allowance to noncurrent loans | 77.7302% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 2.0030% | 821 |
| Noncurrent loans to loans | 3.8381% | 326 |
| Net loans and leases to total assets | 49.9884% | 4,840 |
| Net loans and leases to deposits | 65.0547% | 4,411 |
| Net loans and leases to core deposits | 92.9525% | 2,264 |
| Total domestic deposits to total assets | 76.8405% | 5,180 |
| Equity capital to assets | 19.8903% | 224 |
| Core capital (leverage) ratio | 19.1231% | 225 |
| Tier 1 risk-based capital ratio | 32.6039% | 396 |
| Total risk-based capital ratio | 33.8708% | 387 |
| Memoranda: | ||
| Average total assets | $47,732,330 | 5,507 |
| Average earning assets | $42,550,000 | 5,528 |
| Average equity | $9,275,670 | 4,781 |
| Average total loans | $24,119,000 | 5,497 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2548% | 2,284 |
| Cost of funding earning assets | 0.2525% | 4,679 |
| Net interest margin | 4.0023% | 1,606 |
| Noninterest income to average assets | 0.6085% | 2,475 |
| Noninterest expense to average assets | 2.8843% | 2,756 |
| Loan and lease loss provision to assets | 0.1250% | 1,695 |
| Net operating income to assets | 1.1671% | 1,654 |
| Return on assets (ROA) | 1.1671% | 1,762 |
| Pretax return on assets | 1.1671% | 2,829 |
| Return on Equity (ROE) | 6.0761% | 3,951 |
| Retained earnings to average equity (ytd only) | 5.0344% | 2,919 |
| Net charge-offs to loans | -0.6330% | 6,015 |
| Credit loss provision to net charge-offs | -39.4737% | 4,133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0619% | 3,289 |
| Assets per employee ($millions) | 3.9543% | 4,034 |
| Cash dividends to net income (ytd only)* | 17.1429% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8855% | 248 |
| Loan loss allowance to noncurrent loans | 78.0196% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 2.1685% | 771 |
| Noncurrent loans to loans | 3.6985% | 349 |
| Net loans and leases to total assets | 50.8535% | 4,735 |
| Net loans and leases to deposits | 65.9065% | 4,270 |
| Net loans and leases to core deposits | 94.3428% | 1,958 |
| Total domestic deposits to total assets | 77.1601% | 5,268 |
| Equity capital to assets | 19.6493% | 226 |
| Core capital (leverage) ratio | 18.9996% | 234 |
| Tier 1 risk-based capital ratio | 32.1333% | 426 |
| Total risk-based capital ratio | 33.3997% | 418 |
| Memoranda: | ||
| Average total assets | $47,984,000 | 5,550 |
| Average earning assets | $42,775,500 | 5,576 |
| Average equity | $9,216,500 | 4,809 |
| Average total loans | $24,011,000 | 5,551 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9291% | 3,604 |
| Cost of funding earning assets | 0.2426% | 4,856 |
| Net interest margin | 3.6865% | 2,796 |
| Noninterest income to average assets | 0.6533% | 2,443 |
| Noninterest expense to average assets | 2.7978% | 3,238 |
| Loan and lease loss provision to assets | 0.1273% | 1,898 |
| Net operating income to assets | 1.0160% | 2,277 |
| Return on assets (ROA) | 1.0160% | 2,355 |
| Pretax return on assets | 1.0160% | 3,396 |
| Return on Equity (ROE) | 5.2804% | 4,382 |
| Retained earnings to average equity (ytd only) | 2.2268% | 4,454 |
| Net charge-offs to loans | 0.1535% | 1,841 |
| Credit loss provision to net charge-offs | 166.6667% | 1,617 |
| Earnings coverage of net charge-offs (x) | 14.9722% | 2,243 |
| Efficiency ratio | 70.9903% | 3,073 |
| Assets per employee ($millions) | 4.0430% | 3,855 |
| Cash dividends to net income (ytd only)* | 57.8288% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8653% | 267 |
| Loan loss allowance to noncurrent loans | 71.5517% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 2.4920% | 623 |
| Noncurrent loans to loans | 4.0045% | 305 |
| Net loans and leases to total assets | 46.3971% | 5,126 |
| Net loans and leases to deposits | 59.3462% | 4,824 |
| Net loans and leases to core deposits | 83.7550% | 2,989 |
| Total domestic deposits to total assets | 78.1804% | 5,129 |
| Equity capital to assets | 18.7752% | 263 |
| Core capital (leverage) ratio | 18.4667% | 265 |
| Tier 1 risk-based capital ratio | 32.2612% | 424 |
| Total risk-based capital ratio | 33.5275% | 413 |
| Memoranda: | ||
| Average total assets | $47,144,200 | 5,606 |
| Average earning assets | $42,045,000 | 5,634 |
| Average equity | $9,071,200 | 4,828 |
| Average total loans | $23,460,000 | 5,609 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9892% | 3,385 |
| Cost of funding earning assets | 0.2433% | 4,957 |
| Net interest margin | 3.7459% | 2,578 |
| Noninterest income to average assets | 0.6837% | 2,308 |
| Noninterest expense to average assets | 2.7377% | 3,437 |
| Loan and lease loss provision to assets | 0.1282% | 1,767 |
| Net operating income to assets | 1.1509% | 1,824 |
| Return on assets (ROA) | 1.1509% | 1,895 |
| Pretax return on assets | 1.1509% | 3,013 |
| Return on Equity (ROE) | 5.9442% | 4,178 |
| Retained earnings to average equity (ytd only) | 2.6778% | 4,511 |
| Net charge-offs to loans | 0.1360% | 1,776 |
| Credit loss provision to net charge-offs | 187.5000% | 1,410 |
| Earnings coverage of net charge-offs (x) | 18.7078% | 1,983 |
| Efficiency ratio | 68.1560% | 3,508 |
| Assets per employee ($millions) | 4.3585% | 3,234 |
| Cash dividends to net income (ytd only)* | 54.9503% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8209% | 292 |
| Loan loss allowance to noncurrent loans | 65.9681% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 2.6761% | 613 |
| Noncurrent loans to loans | 4.2762% | 271 |
| Net loans and leases to total assets | 47.4960% | 5,117 |
| Net loans and leases to deposits | 61.0450% | 4,782 |
| Net loans and leases to core deposits | 80.0134% | 3,424 |
| Total domestic deposits to total assets | 77.8049% | 5,218 |
| Equity capital to assets | 19.1665% | 272 |
| Core capital (leverage) ratio | 18.6880% | 260 |
| Tier 1 risk-based capital ratio | 31.9702% | 442 |
| Total risk-based capital ratio | 33.2351% | 435 |
| Memoranda: | ||
| Average total assets | $46,801,250 | 5,687 |
| Average earning assets | $41,644,250 | 5,712 |
| Average equity | $9,061,750 | 4,891 |
| Average total loans | $23,531,500 | 5,673 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0143% | 3,227 |
| Cost of funding earning assets | 0.2421% | 5,030 |
| Net interest margin | 3.7722% | 2,432 |
| Noninterest income to average assets | 0.6764% | 2,316 |
| Noninterest expense to average assets | 2.7789% | 3,319 |
| Loan and lease loss provision to assets | 0.1293% | 1,719 |
| Net operating income to assets | 1.1245% | 1,863 |
| Return on assets (ROA) | 1.1245% | 1,948 |
| Pretax return on assets | 1.1245% | 3,076 |
| Return on Equity (ROE) | 5.7876% | 4,239 |
| Retained earnings to average equity (ytd only) | 3.2375% | 3,989 |
| Net charge-offs to loans | 0.1952% | 1,284 |
| Credit loss provision to net charge-offs | 130.4348% | 1,691 |
| Earnings coverage of net charge-offs (x) | 12.6522% | 2,188 |
| Efficiency ratio | 68.9103% | 3,506 |
| Assets per employee ($millions) | 3.8920% | 4,090 |
| Cash dividends to net income (ytd only)* | 44.0613% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7480% | 352 |
| Loan loss allowance to noncurrent loans | 82.2109% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 2.2075% | 947 |
| Noncurrent loans to loans | 3.3427% | 542 |
| Net loans and leases to total assets | 49.0258% | 5,009 |
| Net loans and leases to deposits | 63.2479% | 4,602 |
| Net loans and leases to core deposits | 86.8627% | 2,667 |
| Total domestic deposits to total assets | 77.5137% | 5,374 |
| Equity capital to assets | 19.4416% | 248 |
| Core capital (leverage) ratio | 18.9176% | 238 |
| Tier 1 risk-based capital ratio | 33.4718% | 410 |
| Total risk-based capital ratio | 34.7373% | 406 |
| Memoranda: | ||
| Average total assets | $46,420,670 | 5,757 |
| Average earning assets | $41,302,000 | 5,782 |
| Average equity | $9,019,330 | 4,940 |
| Average total loans | $23,564,670 | 5,724 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7846% | 4,074 |
| Cost of funding earning assets | 0.2420% | 5,107 |
| Net interest margin | 3.5426% | 3,250 |
| Noninterest income to average assets | 0.7087% | 2,132 |
| Noninterest expense to average assets | 2.9128% | 2,863 |
| Loan and lease loss provision to assets | 0.1296% | 1,600 |
| Net operating income to assets | 0.8297% | 3,115 |
| Return on assets (ROA) | 0.8297% | 3,240 |
| Pretax return on assets | 0.8297% | 4,128 |
| Return on Equity (ROE) | 4.2719% | 4,856 |
| Retained earnings to average equity (ytd only) | 0.7120% | 5,165 |
| Net charge-offs to loans | -0.3563% | 6,184 |
| Credit loss provision to net charge-offs | -71.4286% | 4,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2232% | 2,628 |
| Assets per employee ($millions) | 3.8448% | 4,261 |
| Cash dividends to net income (ytd only)* | 83.3333% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8533% | 344 |
| Loan loss allowance to noncurrent loans | 63.1186% | 4,637 |
| Noncurrent assets plus other real estate owned to assets | 2.5468% | 838 |
| Noncurrent loans to loans | 4.5205% | 342 |
| Net loans and leases to total assets | 49.8862% | 4,863 |
| Net loans and leases to deposits | 64.4327% | 4,326 |
| Net loans and leases to core deposits | 89.9625% | 2,134 |
| Total domestic deposits to total assets | 77.4238% | 5,547 |
| Equity capital to assets | 19.5461% | 245 |
| Core capital (leverage) ratio | 18.9945% | 241 |
| Tier 1 risk-based capital ratio | 33.2939% | 414 |
| Total risk-based capital ratio | 34.5599% | 410 |
| Memoranda: | ||
| Average total assets | $46,279,000 | 5,809 |
| Average earning assets | $41,325,500 | 5,834 |
| Average equity | $8,989,000 | 4,991 |
| Average total loans | $23,575,000 | 5,771 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1079% | 3,295 |
| Cost of funding earning assets | 0.2684% | 5,122 |
| Net interest margin | 3.8395% | 2,470 |
| Noninterest income to average assets | 0.6801% | 2,396 |
| Noninterest expense to average assets | 2.7404% | 3,711 |
| Loan and lease loss provision to assets | 0.1321% | 1,980 |
| Net operating income to assets | 1.2084% | 1,561 |
| Return on assets (ROA) | 1.2084% | 1,617 |
| Pretax return on assets | 1.2084% | 2,619 |
| Return on Equity (ROE) | 6.2158% | 4,043 |
| Retained earnings to average equity (ytd only) | 3.4306% | 3,773 |
| Net charge-offs to loans | -0.2676% | 6,318 |
| Credit loss provision to net charge-offs | -96.7742% | 5,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1521% | 4,035 |
| Assets per employee ($millions) | 4.2201% | 3,499 |
| Cash dividends to net income (ytd only)* | 44.8087% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7283% | 410 |
| Loan loss allowance to noncurrent loans | 48.6322% | 5,147 |
| Noncurrent assets plus other real estate owned to assets | 3.0590% | 649 |
| Noncurrent loans to loans | 5.6100% | 224 |
| Net loans and leases to total assets | 49.1545% | 5,047 |
| Net loans and leases to deposits | 63.2218% | 4,608 |
| Net loans and leases to core deposits | 91.2355% | 2,161 |
| Total domestic deposits to total assets | 77.7493% | 5,481 |
| Equity capital to assets | 19.3016% | 252 |
| Core capital (leverage) ratio | 18.4464% | 270 |
| Tier 1 risk-based capital ratio | 33.3499% | 385 |
| Total risk-based capital ratio | 34.6127% | 377 |
| Memoranda: | ||
| Average total assets | $45,431,600 | 5,892 |
| Average earning assets | $40,240,000 | 5,913 |
| Average equity | $8,832,400 | 5,018 |
| Average total loans | $23,165,400 | 5,848 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2014% | 2,985 |
| Cost of funding earning assets | 0.2770% | 5,131 |
| Net interest margin | 3.9244% | 2,140 |
| Noninterest income to average assets | 0.6964% | 2,348 |
| Noninterest expense to average assets | 2.7738% | 3,562 |
| Loan and lease loss provision to assets | 0.1328% | 1,888 |
| Net operating income to assets | 1.2600% | 1,499 |
| Return on assets (ROA) | 1.2600% | 1,551 |
| Pretax return on assets | 1.2600% | 2,532 |
| Return on Equity (ROE) | 6.4692% | 3,987 |
| Retained earnings to average equity (ytd only) | 3.8330% | 3,922 |
| Net charge-offs to loans | -0.3464% | 6,412 |
| Credit loss provision to net charge-offs | -75.0000% | 5,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5722% | 4,122 |
| Assets per employee ($millions) | 4.1156% | 3,631 |
| Cash dividends to net income (ytd only)* | 40.7486% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7790% | 449 |
| Loan loss allowance to noncurrent loans | 250.8065% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.7775% | 3,486 |
| Noncurrent loans to loans | 1.1080% | 2,853 |
| Net loans and leases to total assets | 48.0650% | 5,198 |
| Net loans and leases to deposits | 62.1058% | 4,731 |
| Net loans and leases to core deposits | 86.4762% | 2,616 |
| Total domestic deposits to total assets | 77.3922% | 5,618 |
| Equity capital to assets | 19.6523% | 244 |
| Core capital (leverage) ratio | 19.1306% | 246 |
| Tier 1 risk-based capital ratio | 34.4862% | 372 |
| Total risk-based capital ratio | 35.7478% | 365 |
| Memoranda: | ||
| Average total assets | $45,184,250 | 5,971 |
| Average earning assets | $39,954,000 | 5,988 |
| Average equity | $8,800,500 | 5,068 |
| Average total loans | $23,092,250 | 5,912 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2350% | 2,824 |
| Cost of funding earning assets | 0.2910% | 5,067 |
| Net interest margin | 3.9440% | 1,997 |
| Noninterest income to average assets | 0.6865% | 2,350 |
| Noninterest expense to average assets | 2.8125% | 3,452 |
| Loan and lease loss provision to assets | 0.1329% | 1,865 |
| Net operating income to assets | 1.2225% | 1,522 |
| Return on assets (ROA) | 1.2225% | 1,581 |
| Pretax return on assets | 1.2225% | 2,564 |
| Return on Equity (ROE) | 6.2954% | 3,999 |
| Retained earnings to average equity (ytd only) | 4.2654% | 3,460 |
| Net charge-offs to loans | -0.5058% | 6,513 |
| Credit loss provision to net charge-offs | -50.8475% | 5,166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4814% | 4,117 |
| Assets per employee ($millions) | 3.7481% | 4,352 |
| Cash dividends to net income (ytd only)* | 32.2464% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5722% | 642 |
| Loan loss allowance to noncurrent loans | 245.3441% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.7804% | 3,629 |
| Noncurrent loans to loans | 1.0484% | 3,134 |
| Net loans and leases to total assets | 51.0350% | 4,858 |
| Net loans and leases to deposits | 65.9503% | 4,272 |
| Net loans and leases to core deposits | 91.7243% | 1,954 |
| Total domestic deposits to total assets | 77.3840% | 5,742 |
| Equity capital to assets | 19.7034% | 231 |
| Core capital (leverage) ratio | 19.3964% | 223 |
| Tier 1 risk-based capital ratio | 32.9438% | 412 |
| Total risk-based capital ratio | 34.2081% | 402 |
| Memoranda: | ||
| Average total assets | $45,155,000 | 6,024 |
| Average earning assets | $39,858,000 | 6,046 |
| Average equity | $8,768,330 | 5,092 |
| Average total loans | $23,329,000 | 5,957 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2067% | 2,851 |
| Cost of funding earning assets | 0.2898% | 5,172 |
| Net interest margin | 3.9169% | 2,030 |
| Noninterest income to average assets | 0.6719% | 2,338 |
| Noninterest expense to average assets | 2.8910% | 3,246 |
| Loan and lease loss provision to assets | 0.1326% | 1,829 |
| Net operating income to assets | 1.1140% | 1,755 |
| Return on assets (ROA) | 1.1140% | 1,818 |
| Pretax return on assets | 1.1140% | 2,834 |
| Return on Equity (ROE) | 5.7788% | 4,140 |
| Retained earnings to average equity (ytd only) | 4.5405% | 3,395 |
| Net charge-offs to loans | -0.5342% | 6,566 |
| Credit loss provision to net charge-offs | -48.3871% | 4,747 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8718% | 3,859 |
| Assets per employee ($millions) | 3.7428% | 4,441 |
| Cash dividends to net income (ytd only)* | 21.4286% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4291% | 878 |
| Loan loss allowance to noncurrent loans | 177.6025% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 0.9373% | 3,382 |
| Noncurrent loans to loans | 1.3677% | 2,737 |
| Net loans and leases to total assets | 50.3496% | 4,871 |
| Net loans and leases to deposits | 64.9361% | 4,216 |
| Net loans and leases to core deposits | 94.5401% | 1,506 |
| Total domestic deposits to total assets | 77.5371% | 5,898 |
| Equity capital to assets | 19.6175% | 230 |
| Core capital (leverage) ratio | 18.8230% | 253 |
| Tier 1 risk-based capital ratio | 33.2137% | 406 |
| Total risk-based capital ratio | 34.4741% | 403 |
| Memoranda: | ||
| Average total assets | $45,244,000 | 6,083 |
| Average earning assets | $40,031,500 | 6,101 |
| Average equity | $8,721,500 | 5,126 |
| Average total loans | $23,213,500 | 6,013 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1356% | 3,593 |
| Cost of funding earning assets | 0.3179% | 5,442 |
| Net interest margin | 3.8177% | 2,581 |
| Noninterest income to average assets | 0.6510% | 2,800 |
| Noninterest expense to average assets | 2.7254% | 4,009 |
| Loan and lease loss provision to assets | 0.3797% | 808 |
| Net operating income to assets | 0.9352% | 2,623 |
| Return on assets (ROA) | 0.9613% | 2,576 |
| Pretax return on assets | 0.9591% | 3,517 |
| Return on Equity (ROE) | 5.0945% | 4,576 |
| Retained earnings to average equity (ytd only) | 2.4150% | 4,529 |
| Net charge-offs to loans | 0.9090% | 671 |
| Credit loss provision to net charge-offs | 82.5472% | 2,975 |
| Earnings coverage of net charge-offs (x) | 2.8538% | 4,049 |
| Efficiency ratio | 67.4906% | 4,291 |
| Assets per employee ($millions) | 3.7978% | 4,269 |
| Cash dividends to net income (ytd only)* | 52.5959% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2280% | 1,140 |
| Loan loss allowance to noncurrent loans | 88.6986% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 1.5096% | 2,463 |
| Noncurrent loans to loans | 2.5118% | 1,501 |
| Net loans and leases to total assets | 49.8793% | 5,095 |
| Net loans and leases to deposits | 63.6608% | 4,538 |
| Net loans and leases to core deposits | 96.4119% | 1,420 |
| Total domestic deposits to total assets | 78.3517% | 5,771 |
| Equity capital to assets | 18.9406% | 269 |
| Core capital (leverage) ratio | 18.1767% | 290 |
| Tier 1 risk-based capital ratio | 32.6934% | 409 |
| Total risk-based capital ratio | 33.9526% | 404 |
| Memoranda: | ||
| Average total assets | $46,084,800 | 6,118 |
| Average earning assets | $40,888,400 | 6,147 |
| Average equity | $8,695,600 | 5,164 |
| Average total loans | $23,322,000 | 6,065 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1417% | 3,595 |
| Cost of funding earning assets | 0.3216% | 5,538 |
| Net interest margin | 3.8201% | 2,572 |
| Noninterest income to average assets | 0.6607% | 2,824 |
| Noninterest expense to average assets | 2.6890% | 4,058 |
| Loan and lease loss provision to assets | 0.3174% | 1,062 |
| Net operating income to assets | 1.0473% | 2,193 |
| Return on assets (ROA) | 1.0819% | 2,158 |
| Pretax return on assets | 1.0819% | 3,183 |
| Return on Equity (ROE) | 5.7394% | 4,320 |
| Retained earnings to average equity (ytd only) | 3.2906% | 4,332 |
| Net charge-offs to loans | 0.3656% | 1,736 |
| Credit loss provision to net charge-offs | 171.8750% | 1,387 |
| Earnings coverage of net charge-offs (x) | 7.3907% | 2,806 |
| Efficiency ratio | 66.3345% | 4,428 |
| Assets per employee ($millions) | 3.8350% | 4,157 |
| Cash dividends to net income (ytd only)* | 42.6669% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5863% | 843 |
| Loan loss allowance to noncurrent loans | 120.4409% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 1.3103% | 3,030 |
| Noncurrent loans to loans | 2.1473% | 2,072 |
| Net loans and leases to total assets | 49.1895% | 5,227 |
| Net loans and leases to deposits | 62.6266% | 4,680 |
| Net loans and leases to core deposits | 95.6722% | 1,425 |
| Total domestic deposits to total assets | 78.5441% | 5,819 |
| Equity capital to assets | 18.8440% | 272 |
| Core capital (leverage) ratio | 18.0139% | 300 |
| Tier 1 risk-based capital ratio | 32.1714% | 435 |
| Total risk-based capital ratio | 33.4365% | 429 |
| Memoranda: | ||
| Average total assets | $46,212,500 | 6,184 |
| Average earning assets | $41,044,750 | 6,209 |
| Average equity | $8,711,500 | 5,214 |
| Average total loans | $23,340,000 | 6,128 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1847% | 3,433 |
| Cost of funding earning assets | 0.3066% | 5,780 |
| Net interest margin | 3.8782% | 2,280 |
| Noninterest income to average assets | 0.6785% | 2,748 |
| Noninterest expense to average assets | 2.7876% | 3,715 |
| Loan and lease loss provision to assets | 0.4322% | 686 |
| Net operating income to assets | 0.9033% | 2,778 |
| Return on assets (ROA) | 0.9551% | 2,687 |
| Pretax return on assets | 0.9551% | 3,695 |
| Return on Equity (ROE) | 5.0661% | 4,687 |
| Retained earnings to average equity (ytd only) | 2.0860% | 4,946 |
| Net charge-offs to loans | 0.5647% | 1,166 |
| Credit loss provision to net charge-offs | 151.5152% | 1,522 |
| Earnings coverage of net charge-offs (x) | 4.6818% | 3,068 |
| Efficiency ratio | 67.6101% | 4,246 |
| Assets per employee ($millions) | 4.4660% | 2,870 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4944% | 993 |
| Loan loss allowance to noncurrent loans | 158.3333% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.9689% | 3,835 |
| Noncurrent loans to loans | 1.5754% | 2,946 |
| Net loans and leases to total assets | 46.8672% | 5,440 |
| Net loans and leases to deposits | 58.4588% | 5,120 |
| Net loans and leases to core deposits | 94.7178% | 1,460 |
| Total domestic deposits to total assets | 80.1714% | 5,569 |
| Equity capital to assets | 17.4490% | 373 |
| Core capital (leverage) ratio | 16.7963% | 393 |
| Tier 1 risk-based capital ratio | 30.8115% | 486 |
| Total risk-based capital ratio | 32.0749% | 479 |
| Memoranda: | ||
| Average total assets | $46,276,670 | 6,224 |
| Average earning assets | $41,101,670 | 6,254 |
| Average equity | $8,724,670 | 5,237 |
| Average total loans | $23,374,000 | 6,158 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3849% | 2,577 |
| Cost of funding earning assets | 0.2816% | 6,098 |
| Net interest margin | 4.1033% | 1,449 |
| Noninterest income to average assets | 0.6510% | 2,872 |
| Noninterest expense to average assets | 3.0054% | 2,974 |
| Loan and lease loss provision to assets | 0.1338% | 2,564 |
| Net operating income to assets | 1.1505% | 1,673 |
| Return on assets (ROA) | 1.1505% | 1,777 |
| Pretax return on assets | 1.1505% | 2,763 |
| Return on Equity (ROE) | 5.8630% | 4,122 |
| Retained earnings to average equity (ytd only) | 3.1360% | 4,388 |
| Net charge-offs to loans | -0.6880% | 6,893 |
| Credit loss provision to net charge-offs | -37.5000% | 5,026 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0624% | 3,962 |
| Assets per employee ($millions) | 3.4609% | 5,065 |
| Cash dividends to net income (ytd only)* | 46.5116% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5770% | 1,034 |
| Loan loss allowance to noncurrent loans | 75.4950% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 2.0270% | 2,304 |
| Noncurrent loans to loans | 3.4135% | 1,411 |
| Net loans and leases to total assets | 51.2558% | 4,800 |
| Net loans and leases to deposits | 65.7852% | 4,085 |
| Net loans and leases to core deposits | 100.3350% | 926 |
| Total domestic deposits to total assets | 77.9139% | 6,120 |
| Equity capital to assets | 19.5724% | 234 |
| Core capital (leverage) ratio | 18.4798% | 261 |
| Tier 1 risk-based capital ratio | 33.3360% | 401 |
| Total risk-based capital ratio | 34.6016% | 393 |
| Memoranda: | ||
| Average total assets | $44,852,000 | 6,321 |
| Average earning assets | $39,772,500 | 6,344 |
| Average equity | $8,801,000 | 5,276 |
| Average total loans | $23,254,500 | 6,206 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2332% | 4,462 |
| Cost of funding earning assets | 0.2998% | 6,451 |
| Net interest margin | 3.9334% | 2,677 |
| Noninterest income to average assets | 0.6141% | 3,206 |
| Noninterest expense to average assets | 2.7861% | 4,077 |
| Loan and lease loss provision to assets | 0.1355% | 3,935 |
| Net operating income to assets | 1.1560% | 1,751 |
| Return on assets (ROA) | 1.1560% | 1,909 |
| Pretax return on assets | 1.1583% | 2,958 |
| Return on Equity (ROE) | 5.8763% | 4,234 |
| Retained earnings to average equity (ytd only) | 2.6627% | 4,359 |
| Net charge-offs to loans | 0.4308% | 2,512 |
| Credit loss provision to net charge-offs | 65.9341% | 4,289 |
| Earnings coverage of net charge-offs (x) | 6.2967% | 2,837 |
| Efficiency ratio | 68.2900% | 4,088 |
| Assets per employee ($millions) | 3.1937% | 5,635 |
| Cash dividends to net income (ytd only)* | 54.6875% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4302% | 1,194 |
| Loan loss allowance to noncurrent loans | 94.3878% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 1.5477% | 3,067 |
| Noncurrent loans to loans | 2.5747% | 2,056 |
| Net loans and leases to total assets | 49.8367% | 5,192 |
| Net loans and leases to deposits | 63.9948% | 4,532 |
| Net loans and leases to core deposits | 93.4259% | 1,513 |
| Total domestic deposits to total assets | 77.8762% | 6,104 |
| Equity capital to assets | 19.6726% | 236 |
| Core capital (leverage) ratio | 18.0681% | 278 |
| Tier 1 risk-based capital ratio | 32.1975% | 423 |
| Total risk-based capital ratio | 33.4576% | 417 |
| Memoranda: | ||
| Average total assets | $44,290,600 | 6,369 |
| Average earning assets | $39,024,600 | 6,393 |
| Average equity | $8,713,000 | 5,301 |
| Average total loans | $21,125,800 | 6,375 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2447% | 4,664 |
| Cost of funding earning assets | 0.3051% | 6,592 |
| Net interest margin | 3.9395% | 2,757 |
| Noninterest income to average assets | 0.6035% | 3,249 |
| Noninterest expense to average assets | 2.6916% | 4,399 |
| Loan and lease loss provision to assets | 0.1358% | 3,850 |
| Net operating income to assets | 1.2432% | 1,594 |
| Return on assets (ROA) | 1.2432% | 1,766 |
| Pretax return on assets | 1.2432% | 2,812 |
| Return on Equity (ROE) | 6.3197% | 4,159 |
| Retained earnings to average equity (ytd only) | 3.1291% | 4,671 |
| Net charge-offs to loans | 0.5798% | 1,890 |
| Credit loss provision to net charge-offs | 50.0000% | 4,399 |
| Earnings coverage of net charge-offs (x) | 5.0777% | 3,122 |
| Efficiency ratio | 66.1231% | 4,431 |
| Assets per employee ($millions) | 3.2356% | 5,573 |
| Cash dividends to net income (ytd only)* | 50.4861% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4143% | 1,331 |
| Loan loss allowance to noncurrent loans | 189.8246% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.8587% | 4,576 |
| Noncurrent loans to loans | 1.2719% | 3,924 |
| Net loans and leases to total assets | 48.2726% | 5,514 |
| Net loans and leases to deposits | 62.7425% | 4,885 |
| Net loans and leases to core deposits | 84.5526% | 2,636 |
| Total domestic deposits to total assets | 76.9377% | 6,241 |
| Equity capital to assets | 19.5346% | 262 |
| Core capital (leverage) ratio | 18.2716% | 284 |
| Tier 1 risk-based capital ratio | 32.3928% | 426 |
| Total risk-based capital ratio | 33.6530% | 418 |
| Memoranda: | ||
| Average total assets | $44,185,250 | 6,444 |
| Average earning assets | $38,886,750 | 6,473 |
| Average equity | $8,692,250 | 5,353 |
| Average total loans | $20,697,750 | 6,480 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1621% | 5,078 |
| Cost of funding earning assets | 0.3158% | 6,665 |
| Net interest margin | 3.8463% | 3,151 |
| Noninterest income to average assets | 0.6801% | 2,771 |
| Noninterest expense to average assets | 2.7343% | 4,271 |
| Loan and lease loss provision to assets | 0.1369% | 3,805 |
| Net operating income to assets | 1.2005% | 1,718 |
| Return on assets (ROA) | 1.2005% | 1,914 |
| Pretax return on assets | 1.2005% | 2,922 |
| Return on Equity (ROE) | 6.0880% | 4,280 |
| Retained earnings to average equity (ytd only) | 3.4722% | 4,284 |
| Net charge-offs to loans | 0.8744% | 1,260 |
| Credit loss provision to net charge-offs | 34.0909% | 4,377 |
| Earnings coverage of net charge-offs (x) | 3.3295% | 3,420 |
| Efficiency ratio | 67.1525% | 4,297 |
| Assets per employee ($millions) | 3.0957% | 5,861 |
| Cash dividends to net income (ytd only)* | 42.9658% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4890% | 1,299 |
| Loan loss allowance to noncurrent loans | 241.0959% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.7453% | 4,933 |
| Noncurrent loans to loans | 1.0324% | 4,443 |
| Net loans and leases to total assets | 47.7273% | 5,638 |
| Net loans and leases to deposits | 61.6065% | 5,056 |
| Net loans and leases to core deposits | 85.0709% | 2,550 |
| Total domestic deposits to total assets | 77.4712% | 6,252 |
| Equity capital to assets | 20.1315% | 230 |
| Core capital (leverage) ratio | 18.6710% | 261 |
| Tier 1 risk-based capital ratio | 33.5136% | 386 |
| Total risk-based capital ratio | 34.7765% | 382 |
| Memoranda: | ||
| Average total assets | $43,814,000 | 6,496 |
| Average earning assets | $38,634,670 | 6,525 |
| Average equity | $8,640,000 | 5,368 |
| Average total loans | $20,127,670 | 6,555 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1769% | 5,191 |
| Cost of funding earning assets | 0.3317% | 6,720 |
| Net interest margin | 3.8453% | 3,155 |
| Noninterest income to average assets | 0.6175% | 3,119 |
| Noninterest expense to average assets | 2.8603% | 3,784 |
| Loan and lease loss provision to assets | 0.1362% | 3,646 |
| Net operating income to assets | 0.9898% | 2,517 |
| Return on assets (ROA) | 0.9898% | 2,712 |
| Pretax return on assets | 0.9898% | 3,707 |
| Return on Equity (ROE) | 5.0712% | 4,755 |
| Retained earnings to average equity (ytd only) | 2.2797% | 5,120 |
| Net charge-offs to loans | -0.1634% | 6,941 |
| Credit loss provision to net charge-offs | -187.5000% | 5,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7540% | 3,488 |
| Assets per employee ($millions) | 3.3020% | 5,564 |
| Cash dividends to net income (ytd only)* | 55.0459% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9968% | 830 |
| Loan loss allowance to noncurrent loans | 179.6460% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 1.8916% | 3,057 |
| Noncurrent loans to loans | 1.6681% | 3,599 |
| Net loans and leases to total assets | 45.9232% | 5,790 |
| Net loans and leases to deposits | 59.4230% | 5,225 |
| Net loans and leases to core deposits | 81.2840% | 2,919 |
| Total domestic deposits to total assets | 77.2818% | 6,355 |
| Equity capital to assets | 20.0205% | 224 |
| Core capital (leverage) ratio | 18.0906% | 291 |
| Tier 1 risk-based capital ratio | 33.4725% | 379 |
| Total risk-based capital ratio | 34.7498% | 376 |
| Memoranda: | ||
| Average total assets | $44,051,000 | 6,535 |
| Average earning assets | $38,593,000 | 6,580 |
| Average equity | $8,597,500 | 5,403 |
| Average total loans | $19,585,000 | 6,632 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0375% | 6,386 |
| Cost of funding earning assets | 0.4128% | 6,855 |
| Net interest margin | 3.6248% | 4,634 |
| Noninterest income to average assets | 0.5414% | 3,575 |
| Noninterest expense to average assets | 2.4986% | 5,469 |
| Loan and lease loss provision to assets | 0.1451% | 4,800 |
| Net operating income to assets | 1.0195% | 2,134 |
| Return on assets (ROA) | 1.1298% | 1,845 |
| Pretax return on assets | 1.1298% | 2,724 |
| Return on Equity (ROE) | 6.5387% | 3,621 |
| Retained earnings to average equity (ytd only) | 1.1587% | 5,312 |
| Net charge-offs to loans | -0.1984% | 7,210 |
| Credit loss provision to net charge-offs | -182.0513% | 6,742 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2097% | 4,311 |
| Assets per employee ($millions) | 3.4751% | 5,080 |
| Cash dividends to net income (ytd only)* | 82.2785% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1091% | 740 |
| Loan loss allowance to noncurrent loans | 306.8063% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 1.5561% | 3,615 |
| Noncurrent loans to loans | 1.0134% | 4,680 |
| Net loans and leases to total assets | 40.4241% | 6,516 |
| Net loans and leases to deposits | 51.5453% | 6,253 |
| Net loans and leases to core deposits | 73.1739% | 4,353 |
| Total domestic deposits to total assets | 78.4244% | 6,111 |
| Equity capital to assets | 19.0389% | 278 |
| Core capital (leverage) ratio | 17.0212% | 362 |
| Tier 1 risk-based capital ratio | 34.2134% | 359 |
| Total risk-based capital ratio | 35.4797% | 353 |
| Memoranda: | ||
| Average total assets | $48,947,800 | 6,392 |
| Average earning assets | $42,154,400 | 6,460 |
| Average equity | $8,457,400 | 5,416 |
| Average total loans | $19,654,800 | 6,673 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0923% | 6,429 |
| Cost of funding earning assets | 0.4301% | 6,942 |
| Net interest margin | 3.6622% | 4,517 |
| Noninterest income to average assets | 0.5559% | 3,471 |
| Noninterest expense to average assets | 2.4533% | 5,617 |
| Loan and lease loss provision to assets | 0.1496% | 4,574 |
| Net operating income to assets | 1.0930% | 1,995 |
| Return on assets (ROA) | 1.2373% | 1,651 |
| Pretax return on assets | 1.2373% | 2,497 |
| Return on Equity (ROE) | 7.3303% | 3,365 |
| Retained earnings to average equity (ytd only) | 2.3432% | 4,943 |
| Net charge-offs to loans | -0.2552% | 7,288 |
| Credit loss provision to net charge-offs | -147.3684% | 6,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3774% | 4,643 |
| Assets per employee ($millions) | 3.8445% | 4,204 |
| Cash dividends to net income (ytd only)* | 68.0344% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9378% | 906 |
| Loan loss allowance to noncurrent loans | 80.2817% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 2.6228% | 2,463 |
| Noncurrent loans to loans | 3.6594% | 1,876 |
| Net loans and leases to total assets | 40.8202% | 6,577 |
| Net loans and leases to deposits | 51.9102% | 6,372 |
| Net loans and leases to core deposits | 69.1895% | 5,042 |
| Total domestic deposits to total assets | 78.6361% | 6,061 |
| Equity capital to assets | 18.9838% | 320 |
| Core capital (leverage) ratio | 16.9696% | 402 |
| Tier 1 risk-based capital ratio | 33.4348% | 405 |
| Total risk-based capital ratio | 34.6980% | 393 |
| Memoranda: | ||
| Average total assets | $49,890,750 | 6,422 |
| Average earning assets | $42,778,500 | 6,490 |
| Average equity | $8,421,500 | 5,461 |
| Average total loans | $19,856,500 | 6,731 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0675% | 6,544 |
| Cost of funding earning assets | 0.4423% | 7,040 |
| Net interest margin | 3.6251% | 4,630 |
| Noninterest income to average assets | 0.4927% | 3,925 |
| Noninterest expense to average assets | 2.5184% | 5,461 |
| Loan and lease loss provision to assets | 0.1173% | 4,806 |
| Net operating income to assets | 0.9659% | 2,369 |
| Return on assets (ROA) | 0.9659% | 2,471 |
| Pretax return on assets | 0.9659% | 3,375 |
| Return on Equity (ROE) | 5.9451% | 4,003 |
| Retained earnings to average equity (ytd only) | 0.7702% | 5,550 |
| Net charge-offs to loans | -0.3998% | 7,375 |
| Credit loss provision to net charge-offs | -75.0000% | 6,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9240% | 4,140 |
| Assets per employee ($millions) | 4.1677% | 3,413 |
| Cash dividends to net income (ytd only)* | 87.0445% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7613% | 1,115 |
| Loan loss allowance to noncurrent loans | 303.3333% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 1.5996% | 3,800 |
| Noncurrent loans to loans | 0.9103% | 5,143 |
| Net loans and leases to total assets | 38.4448% | 6,838 |
| Net loans and leases to deposits | 47.5375% | 6,754 |
| Net loans and leases to core deposits | 65.8436% | 5,535 |
| Total domestic deposits to total assets | 80.8726% | 5,574 |
| Equity capital to assets | 16.9859% | 484 |
| Core capital (leverage) ratio | 15.8549% | 524 |
| Tier 1 risk-based capital ratio | 31.7532% | 463 |
| Total risk-based capital ratio | 33.0146% | 452 |
| Memoranda: | ||
| Average total assets | $51,143,000 | 6,444 |
| Average earning assets | $43,860,330 | 6,514 |
| Average equity | $8,309,330 | 5,516 |
| Average total loans | $20,008,000 | 6,788 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8141% | 6,936 |
| Cost of funding earning assets | 0.4198% | 7,183 |
| Net interest margin | 3.3943% | 5,450 |
| Noninterest income to average assets | 0.4487% | 4,299 |
| Noninterest expense to average assets | 2.8467% | 4,279 |
| Loan and lease loss provision to assets | 0.1160% | 4,560 |
| Net operating income to assets | 0.4255% | 4,824 |
| Return on assets (ROA) | 0.4255% | 4,917 |
| Pretax return on assets | 0.4255% | 5,258 |
| Return on Equity (ROE) | 2.6775% | 5,529 |
| Retained earnings to average equity (ytd only) | -7.0590% | 6,681 |
| Net charge-offs to loans | -0.6956% | 7,451 |
| Credit loss provision to net charge-offs | -42.8571% | 5,643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0183% | 1,953 |
| Assets per employee ($millions) | 4.5831% | 2,762 |
| Cash dividends to net income (ytd only)* | 363.6364% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5736% | 1,349 |
| Loan loss allowance to noncurrent loans | 42.7295% | 5,454 |
| Noncurrent assets plus other real estate owned to assets | 3.6716% | 1,846 |
| Noncurrent loans to loans | 6.0231% | 1,048 |
| Net loans and leases to total assets | 39.4970% | 6,811 |
| Net loans and leases to deposits | 48.2785% | 6,739 |
| Net loans and leases to core deposits | 70.4326% | 4,989 |
| Total domestic deposits to total assets | 81.8106% | 5,387 |
| Equity capital to assets | 16.1166% | 556 |
| Core capital (leverage) ratio | 15.2415% | 617 |
| Tier 1 risk-based capital ratio | 29.8894% | 527 |
| Total risk-based capital ratio | 31.1504% | 515 |
| Memoranda: | ||
| Average total assets | $51,708,500 | 6,470 |
| Average earning assets | $44,781,500 | 6,533 |
| Average equity | $8,216,500 | 5,553 |
| Average total loans | $20,125,500 | 6,835 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1673% | 6,971 |
| Cost of funding earning assets | 0.5659% | 7,192 |
| Net interest margin | 3.6014% | 4,815 |
| Noninterest income to average assets | 0.4849% | 4,288 |
| Noninterest expense to average assets | 2.7086% | 4,952 |
| Loan and lease loss provision to assets | 0.1192% | 5,966 |
| Net operating income to assets | 0.8565% | 2,561 |
| Return on assets (ROA) | 1.1765% | 1,544 |
| Pretax return on assets | 1.1765% | 2,302 |
| Return on Equity (ROE) | 7.1852% | 3,032 |
| Retained earnings to average equity (ytd only) | 3.7868% | 3,212 |
| Net charge-offs to loans | 0.2740% | 4,654 |
| Credit loss provision to net charge-offs | 111.1111% | 3,954 |
| Earnings coverage of net charge-offs (x) | 9.0926% | 1,877 |
| Efficiency ratio | 73.5167% | 3,484 |
| Assets per employee ($millions) | 4.0772% | 3,626 |
| Cash dividends to net income (ytd only)* | 47.2973% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4025% | 1,543 |
| Loan loss allowance to noncurrent loans | 41.1054% | 5,562 |
| Noncurrent assets plus other real estate owned to assets | 3.3753% | 2,075 |
| Noncurrent loans to loans | 5.8446% | 1,085 |
| Net loans and leases to total assets | 36.4828% | 7,138 |
| Net loans and leases to deposits | 44.2950% | 7,111 |
| Net loans and leases to core deposits | 68.4108% | 5,616 |
| Total domestic deposits to total assets | 82.3633% | 5,074 |
| Equity capital to assets | 15.6746% | 647 |
| Core capital (leverage) ratio | 15.0569% | 657 |
| Tier 1 risk-based capital ratio | 31.8845% | 432 |
| Total risk-based capital ratio | 33.1443% | 423 |
| Memoranda: | ||
| Average total assets | $50,320,400 | 6,523 |
| Average earning assets | $44,705,000 | 6,555 |
| Average equity | $8,239,200 | 5,645 |
| Average total loans | $19,711,400 | 6,940 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3063% | 6,960 |
| Cost of funding earning assets | 0.5989% | 7,295 |
| Net interest margin | 3.7074% | 4,367 |
| Noninterest income to average assets | 0.4995% | 4,193 |
| Noninterest expense to average assets | 2.7123% | 4,828 |
| Loan and lease loss provision to assets | 0.1208% | 5,819 |
| Net operating income to assets | 0.9748% | 2,323 |
| Return on assets (ROA) | 0.9748% | 2,437 |
| Pretax return on assets | 0.9748% | 3,273 |
| Return on Equity (ROE) | 5.8865% | 3,868 |
| Retained earnings to average equity (ytd only) | 2.9675% | 4,359 |
| Net charge-offs to loans | 0.2235% | 4,599 |
| Credit loss provision to net charge-offs | 136.3636% | 2,936 |
| Earnings coverage of net charge-offs (x) | 12.3634% | 1,693 |
| Efficiency ratio | 71.2271% | 3,846 |
| Assets per employee ($millions) | 4.1484% | 3,550 |
| Cash dividends to net income (ytd only)* | 49.5857% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4808% | 1,356 |
| Loan loss allowance to noncurrent loans | 64.9596% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 2.3549% | 3,018 |
| Noncurrent loans to loans | 3.8190% | 2,009 |
| Net loans and leases to total assets | 35.1332% | 7,301 |
| Net loans and leases to deposits | 42.6523% | 7,284 |
| Net loans and leases to core deposits | 69.9435% | 5,755 |
| Total domestic deposits to total assets | 82.3713% | 4,849 |
| Equity capital to assets | 15.7856% | 716 |
| Core capital (leverage) ratio | 14.4921% | 818 |
| Tier 1 risk-based capital ratio | 31.5063% | 451 |
| Total risk-based capital ratio | 32.7637% | 444 |
| Memoranda: | ||
| Average total assets | $49,649,750 | 6,634 |
| Average earning assets | $44,306,250 | 6,645 |
| Average equity | $8,222,000 | 5,722 |
| Average total loans | $19,686,000 | 7,036 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3999% | 6,896 |
| Cost of funding earning assets | 0.6099% | 7,386 |
| Net interest margin | 3.7899% | 3,940 |
| Noninterest income to average assets | 0.5060% | 4,064 |
| Noninterest expense to average assets | 2.8866% | 4,127 |
| Loan and lease loss provision to assets | 0.1244% | 5,645 |
| Net operating income to assets | 0.8709% | 2,655 |
| Return on assets (ROA) | 0.8709% | 2,787 |
| Pretax return on assets | 0.8709% | 3,618 |
| Return on Equity (ROE) | 5.1692% | 4,206 |
| Retained earnings to average equity (ytd only) | 3.2000% | 4,071 |
| Net charge-offs to loans | 0.3642% | 3,537 |
| Credit loss provision to net charge-offs | 83.3333% | 4,615 |
| Earnings coverage of net charge-offs (x) | 6.6667% | 2,420 |
| Efficiency ratio | 74.3590% | 3,402 |
| Assets per employee ($millions) | 4.1677% | 3,454 |
| Cash dividends to net income (ytd only)* | 38.0952% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3413% | 1,523 |
| Loan loss allowance to noncurrent loans | 135.6725% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 1.6076% | 4,031 |
| Noncurrent loans to loans | 1.7257% | 4,104 |
| Net loans and leases to total assets | 35.7217% | 7,361 |
| Net loans and leases to deposits | 43.1393% | 7,347 |
| Net loans and leases to core deposits | 75.1349% | 5,305 |
| Total domestic deposits to total assets | 82.8055% | 4,648 |
| Equity capital to assets | 15.4005% | 795 |
| Core capital (leverage) ratio | 13.9950% | 927 |
| Tier 1 risk-based capital ratio | 30.6579% | 471 |
| Total risk-based capital ratio | 31.9139% | 469 |
| Memoranda: | ||
| Average total assets | $48,223,330 | 6,722 |
| Average earning assets | $42,956,000 | 6,740 |
| Average equity | $8,125,000 | 5,755 |
| Average total loans | $19,771,670 | 7,080 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5335% | 6,723 |
| Cost of funding earning assets | 0.6091% | 7,524 |
| Net interest margin | 3.9244% | 3,227 |
| Noninterest income to average assets | 0.5128% | 3,948 |
| Noninterest expense to average assets | 3.4567% | 2,084 |
| Loan and lease loss provision to assets | 0.1326% | 5,245 |
| Net operating income to assets | 0.3978% | 4,851 |
| Return on assets (ROA) | 0.3978% | 4,992 |
| Pretax return on assets | 0.3978% | 5,294 |
| Return on Equity (ROE) | 2.2456% | 5,656 |
| Retained earnings to average equity (ytd only) | -1.7466% | 6,169 |
| Net charge-offs to loans | 0.1620% | 3,953 |
| Credit loss provision to net charge-offs | 187.5000% | 1,949 |
| Earnings coverage of net charge-offs (x) | 7.5000% | 2,081 |
| Efficiency ratio | 86.6962% | 1,719 |
| Assets per employee ($millions) | 3.4728% | 5,091 |
| Cash dividends to net income (ytd only)* | 177.7778% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4409% | 1,372 |
| Loan loss allowance to noncurrent loans | 94.2688% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 2.2970% | 3,152 |
| Noncurrent loans to loans | 2.5893% | 3,082 |
| Net loans and leases to total assets | 42.2297% | 7,113 |
| Net loans and leases to deposits | 59.9585% | 6,475 |
| Net loans and leases to core deposits | 72.2707% | 5,681 |
| Total domestic deposits to total assets | 70.4315% | 7,382 |
| Equity capital to assets | 17.8111% | 443 |
| Core capital (leverage) ratio | 16.6892% | 481 |
| Tier 1 risk-based capital ratio | 32.0718% | 434 |
| Total risk-based capital ratio | 33.3333% | 430 |
| Memoranda: | ||
| Average total assets | $45,245,000 | 6,901 |
| Average earning assets | $40,057,500 | 6,929 |
| Average equity | $8,015,500 | 5,836 |
| Average total loans | $19,748,500 | 7,167 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2079% | 5,616 |
| Cost of funding earning assets | 0.9248% | 7,350 |
| Net interest margin | 4.2831% | 1,773 |
| Noninterest income to average assets | 0.5776% | 3,799 |
| Noninterest expense to average assets | 2.9747% | 4,250 |
| Loan and lease loss provision to assets | 0.1564% | 6,105 |
| Net operating income to assets | 1.2250% | 1,186 |
| Return on assets (ROA) | 1.2250% | 1,241 |
| Pretax return on assets | 1.2250% | 1,890 |
| Return on Equity (ROE) | 6.4638% | 3,008 |
| Retained earnings to average equity (ytd only) | 2.7811% | 3,214 |
| Net charge-offs to loans | 1.0453% | 2,317 |
| Credit loss provision to net charge-offs | 31.1005% | 6,893 |
| Earnings coverage of net charge-offs (x) | 2.7464% | 3,723 |
| Efficiency ratio | 68.2873% | 4,964 |
| Assets per employee ($millions) | 3.2389% | 5,627 |
| Cash dividends to net income (ytd only)* | 56.9745% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3553% | 1,405 |
| Loan loss allowance to noncurrent loans | 107.0615% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 2.1414% | 3,217 |
| Noncurrent loans to loans | 2.1999% | 3,388 |
| Net loans and leases to total assets | 42.9715% | 7,187 |
| Net loans and leases to deposits | 61.7709% | 6,490 |
| Net loans and leases to core deposits | 85.6258% | 5,555 |
| Total domestic deposits to total assets | 69.5660% | 7,455 |
| Equity capital to assets | 17.6209% | 486 |
| Core capital (leverage) ratio | 17.0417% | 488 |
| Tier 1 risk-based capital ratio | 31.5721% | 456 |
| Total risk-based capital ratio | 32.8293% | 448 |
| Memoranda: | ||
| Average total assets | $41,550,000 | 7,033 |
| Average earning assets | $36,655,600 | 7,071 |
| Average equity | $7,874,600 | 5,968 |
| Average total loans | $19,994,600 | 7,190 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3520% | 5,166 |
| Cost of funding earning assets | 1.0070% | 7,375 |
| Net interest margin | 4.3450% | 1,601 |
| Noninterest income to average assets | 0.5812% | 3,844 |
| Noninterest expense to average assets | 2.9588% | 4,213 |
| Loan and lease loss provision to assets | 0.1642% | 5,710 |
| Net operating income to assets | 1.2840% | 1,259 |
| Return on assets (ROA) | 1.2840% | 1,332 |
| Pretax return on assets | 1.2840% | 1,995 |
| Return on Equity (ROE) | 6.6446% | 3,239 |
| Retained earnings to average equity (ytd only) | 3.3308% | 3,441 |
| Net charge-offs to loans | 1.3264% | 1,546 |
| Credit loss provision to net charge-offs | 25.1256% | 6,534 |
| Earnings coverage of net charge-offs (x) | 2.2161% | 4,158 |
| Efficiency ratio | 67.1386% | 5,157 |
| Assets per employee ($millions) | 3.3367% | 5,288 |
| Cash dividends to net income (ytd only)* | 49.8715% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4127% | 1,157 |
| Loan loss allowance to noncurrent loans | 127.7473% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 2.6765% | 2,603 |
| Noncurrent loans to loans | 1.8887% | 3,785 |
| Net loans and leases to total assets | 43.3594% | 7,288 |
| Net loans and leases to deposits | 62.5058% | 6,629 |
| Net loans and leases to core deposits | 83.3503% | 6,085 |
| Total domestic deposits to total assets | 69.3686% | 7,461 |
| Equity capital to assets | 18.4637% | 472 |
| Core capital (leverage) ratio | 17.9185% | 458 |
| Tier 1 risk-based capital ratio | 32.3725% | 464 |
| Total risk-based capital ratio | 33.6312% | 450 |
| Memoranda: | ||
| Average total assets | $40,601,500 | 7,119 |
| Average earning assets | $35,749,250 | 7,171 |
| Average equity | $7,845,750 | 6,034 |
| Average total loans | $20,004,500 | 7,253 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4553% | 4,862 |
| Cost of funding earning assets | 1.0945% | 7,386 |
| Net interest margin | 4.3608% | 1,497 |
| Noninterest income to average assets | 0.5999% | 3,697 |
| Noninterest expense to average assets | 3.0598% | 3,843 |
| Loan and lease loss provision to assets | 0.1764% | 5,285 |
| Net operating income to assets | 1.1997% | 1,475 |
| Return on assets (ROA) | 1.1997% | 1,559 |
| Pretax return on assets | 1.1997% | 2,299 |
| Return on Equity (ROE) | 6.1094% | 3,593 |
| Retained earnings to average equity (ytd only) | 2.1306% | 4,160 |
| Net charge-offs to loans | 1.9656% | 944 |
| Credit loss provision to net charge-offs | 17.5879% | 6,149 |
| Earnings coverage of net charge-offs (x) | 1.3719% | 4,501 |
| Efficiency ratio | 68.9773% | 4,986 |
| Assets per employee ($millions) | 3.0208% | 6,077 |
| Cash dividends to net income (ytd only)* | 65.1261% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3135% | 1,088 |
| Loan loss allowance to noncurrent loans | 107.1429% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 2.8392% | 2,256 |
| Noncurrent loans to loans | 2.1593% | 3,295 |
| Net loans and leases to total assets | 48.3843% | 7,005 |
| Net loans and leases to deposits | 61.8019% | 6,743 |
| Net loans and leases to core deposits | 85.2981% | 5,985 |
| Total domestic deposits to total assets | 78.2893% | 6,002 |
| Equity capital to assets | 19.7423% | 403 |
| Core capital (leverage) ratio | 18.9063% | 426 |
| Tier 1 risk-based capital ratio | 32.6085% | 482 |
| Total risk-based capital ratio | 33.8693% | 469 |
| Memoranda: | ||
| Average total assets | $39,676,330 | 7,220 |
| Average earning assets | $34,902,000 | 7,273 |
| Average equity | $7,791,330 | 6,093 |
| Average total loans | $20,248,330 | 7,309 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5163% | 4,823 |
| Cost of funding earning assets | 1.1577% | 7,397 |
| Net interest margin | 4.3586% | 1,447 |
| Noninterest income to average assets | 0.6219% | 3,402 |
| Noninterest expense to average assets | 2.7483% | 4,785 |
| Loan and lease loss provision to assets | 0.2006% | 4,434 |
| Net operating income to assets | 1.5246% | 896 |
| Return on assets (ROA) | 1.5246% | 967 |
| Pretax return on assets | 1.5246% | 1,597 |
| Return on Equity (ROE) | 7.7844% | 3,251 |
| Retained earnings to average equity (ytd only) | 4.9677% | 3,146 |
| Net charge-offs to loans | 1.3174% | 1,065 |
| Credit loss provision to net charge-offs | 29.4118% | 4,954 |
| Earnings coverage of net charge-offs (x) | 2.5294% | 3,485 |
| Efficiency ratio | 61.4350% | 6,169 |
| Assets per employee ($millions) | 3.1536% | 5,729 |
| Cash dividends to net income (ytd only)* | 36.1842% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7775% | 593 |
| Loan loss allowance to noncurrent loans | 56.6000% | 4,808 |
| Noncurrent assets plus other real estate owned to assets | 2.5148% | 2,284 |
| Noncurrent loans to loans | 4.9073% | 1,112 |
| Net loans and leases to total assets | 48.3255% | 6,997 |
| Net loans and leases to deposits | 61.2540% | 6,788 |
| Net loans and leases to core deposits | 85.9076% | 5,911 |
| Total domestic deposits to total assets | 78.8936% | 5,767 |
| Equity capital to assets | 19.2599% | 459 |
| Core capital (leverage) ratio | 18.7401% | 474 |
| Tier 1 risk-based capital ratio | 32.2241% | 522 |
| Total risk-based capital ratio | 33.4893% | 506 |
| Memoranda: | ||
| Average total assets | $39,879,000 | 7,254 |
| Average earning assets | $35,241,000 | 7,293 |
| Average equity | $7,810,500 | 6,118 |
| Average total loans | $20,647,000 | 7,322 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7976% | 1,681 |
| Cost of funding earning assets | 1.8071% | 6,985 |
| Net interest margin | 4.9905% | 519 |
| Noninterest income to average assets | 0.7435% | 2,821 |
| Noninterest expense to average assets | 2.9951% | 4,096 |
| Loan and lease loss provision to assets | 0.1318% | 5,676 |
| Net operating income to assets | 2.0143% | 345 |
| Return on assets (ROA) | 2.0143% | 326 |
| Pretax return on assets | 2.0143% | 583 |
| Return on Equity (ROE) | 10.1690% | 2,195 |
| Retained earnings to average equity (ytd only) | 2.0232% | 3,974 |
| Net charge-offs to loans | 0.5075% | 2,324 |
| Credit loss provision to net charge-offs | 48.0769% | 6,372 |
| Earnings coverage of net charge-offs (x) | 7.8269% | 3,017 |
| Efficiency ratio | 58.2564% | 6,652 |
| Assets per employee ($millions) | 2.7686% | 6,641 |
| Cash dividends to net income (ytd only)* | 80.1047% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9356% | 463 |
| Loan loss allowance to noncurrent loans | 132.6134% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 1.2745% | 3,674 |
| Noncurrent loans to loans | 2.2136% | 2,491 |
| Net loans and leases to total assets | 52.3774% | 6,812 |
| Net loans and leases to deposits | 67.1052% | 6,545 |
| Net loans and leases to core deposits | 81.6588% | 6,486 |
| Total domestic deposits to total assets | 78.0527% | 5,699 |
| Equity capital to assets | 19.9298% | 471 |
| Core capital (leverage) ratio | 19.0195% | 510 |
| Tier 1 risk-based capital ratio | 31.9103% | 554 |
| Total risk-based capital ratio | 33.1797% | 541 |
| Memoranda: | ||
| Average total assets | $37,928,400 | 7,306 |
| Average earning assets | $33,423,600 | 7,352 |
| Average equity | $7,513,000 | 6,274 |
| Average total loans | $20,491,400 | 7,300 |