Home > The First National Bank of Tahoka > Performance and Condition Ratios
The First National Bank of Tahoka, Performance and Condition Ratios
| 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 | 1.7587% | 4,873 |
| Cost of funding earning assets | 0.1251% | 4,495 |
| Net interest margin | 1.6336% | 4,859 |
| Noninterest income to average assets | 0.3320% | 3,439 |
| Noninterest expense to average assets | 2.7525% | 1,484 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.9751% | 4,926 |
| Return on assets (ROA) | -0.9751% | 4,924 |
| Pretax return on assets | -0.9751% | 4,927 |
| Return on Equity (ROE) | -10.1860% | 4,936 |
| Retained earnings to average equity (ytd only) | -10.1860% | 4,817 |
| Net charge-offs to loans | -0.0449% | 4,350 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 154.8638% | 31 |
| Assets per employee ($millions) | 4.8749% | 3,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7438% | 82 |
| Loan loss allowance to noncurrent loans | 1,486.9565% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 4,094 |
| Noncurrent loans to loans | 0.2518% | 3,198 |
| Net loans and leases to total assets | 15.0310% | 4,895 |
| Net loans and leases to deposits | 16.5774% | 4,898 |
| Net loans and leases to core deposits | 17.3442% | 4,896 |
| Total domestic deposits to total assets | 90.6716% | 517 |
| Equity capital to assets | 9.2771% | 3,421 |
| Core capital (leverage) ratio | 8.9747% | 3,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,838,500 | 4,584 |
| Average earning assets | $51,175,000 | 4,601 |
| Average equity | $5,537,000 | 4,691 |
| Average total loans | $8,903,500 | 4,872 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3168% | 4,874 |
| Cost of funding earning assets | 0.2678% | 4,303 |
| Net interest margin | 2.0490% | 4,812 |
| Noninterest income to average assets | 0.3075% | 3,639 |
| Noninterest expense to average assets | 2.7535% | 2,064 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -0.5881% | 4,892 |
| Return on assets (ROA) | -0.5432% | 4,892 |
| Pretax return on assets | -0.5432% | 4,885 |
| Return on Equity (ROE) | -5.1460% | 4,896 |
| Retained earnings to average equity (ytd only) | -9.4060% | 4,907 |
| Net charge-offs to loans | 0.0792% | 1,682 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | -36.3333% | 3,428 |
| Efficiency ratio | 127.1595% | 62 |
| Assets per employee ($millions) | 4.7648% | 3,641 |
| Cash dividends to net income (ytd only)* | -82.7815% | 4,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9322% | 71 |
| Loan loss allowance to noncurrent loans | 1,262.9630% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.0472% | 4,106 |
| Noncurrent loans to loans | 0.3113% | 3,091 |
| Net loans and leases to total assets | 14.5703% | 4,920 |
| Net loans and leases to deposits | 16.1795% | 4,926 |
| Net loans and leases to core deposits | 16.9505% | 4,923 |
| Total domestic deposits to total assets | 90.0539% | 542 |
| Equity capital to assets | 9.8762% | 3,240 |
| Core capital (leverage) ratio | 9.7704% | 2,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,601,200 | 4,580 |
| Average earning assets | $50,413,800 | 4,579 |
| Average equity | $5,868,600 | 4,657 |
| Average total loans | $11,359,000 | 4,868 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4007% | 4,917 |
| Cost of funding earning assets | 0.2975% | 4,324 |
| Net interest margin | 2.1032% | 4,850 |
| Noninterest income to average assets | 0.3188% | 3,579 |
| Noninterest expense to average assets | 2.6638% | 2,355 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -0.4154% | 4,885 |
| Return on assets (ROA) | -0.4154% | 4,892 |
| Pretax return on assets | -0.4154% | 4,882 |
| Return on Equity (ROE) | -3.8712% | 4,899 |
| Retained earnings to average equity (ytd only) | -9.4978% | 4,925 |
| Net charge-offs to loans | 0.1108% | 1,235 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | -17.2000% | 3,210 |
| Efficiency ratio | 118.4748% | 83 |
| Assets per employee ($millions) | 4.6267% | 3,687 |
| Cash dividends to net income (ytd only)* | -145.3488% | 5,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8748% | 157 |
| Loan loss allowance to noncurrent loans | 1,096.7742% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.0558% | 4,158 |
| Noncurrent loans to loans | 0.2621% | 3,358 |
| Net loans and leases to total assets | 20.6898% | 4,921 |
| Net loans and leases to deposits | 23.1495% | 4,934 |
| Net loans and leases to core deposits | 24.4779% | 4,928 |
| Total domestic deposits to total assets | 89.3750% | 628 |
| Equity capital to assets | 10.4953% | 2,794 |
| Core capital (leverage) ratio | 9.8632% | 2,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,207,000 | 4,603 |
| Average earning assets | $50,651,500 | 4,594 |
| Average equity | $5,924,000 | 4,675 |
| Average total loans | $12,030,750 | 4,887 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4992% | 4,962 |
| Cost of funding earning assets | 0.3395% | 4,315 |
| Net interest margin | 2.1597% | 4,894 |
| Noninterest income to average assets | 0.2795% | 3,796 |
| Noninterest expense to average assets | 2.7222% | 2,316 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.4573% | 4,911 |
| Return on assets (ROA) | -0.4573% | 4,909 |
| Pretax return on assets | -0.4573% | 4,894 |
| Return on Equity (ROE) | -4.2308% | 4,919 |
| Retained earnings to average equity (ytd only) | -12.6252% | 4,954 |
| Net charge-offs to loans | 0.1653% | 905 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | -12.6000% | 2,988 |
| Efficiency ratio | 120.1923% | 90 |
| Assets per employee ($millions) | 5.2414% | 2,897 |
| Cash dividends to net income (ytd only)* | -198.4127% | 5,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9280% | 143 |
| Loan loss allowance to noncurrent loans | 253.7313% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.2324% | 3,395 |
| Noncurrent loans to loans | 1.1540% | 1,367 |
| Net loans and leases to total assets | 19.5508% | 4,963 |
| Net loans and leases to deposits | 21.8107% | 4,977 |
| Net loans and leases to core deposits | 23.1772% | 4,970 |
| Total domestic deposits to total assets | 89.6384% | 513 |
| Equity capital to assets | 10.2073% | 3,008 |
| Core capital (leverage) ratio | 9.9660% | 2,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,102,667 | 4,611 |
| Average earning assets | $50,655,667 | 4,609 |
| Average equity | $5,956,333 | 4,693 |
| Average total loans | $12,098,667 | 4,918 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7781% | 5,005 |
| Cost of funding earning assets | 0.3992% | 4,362 |
| Net interest margin | 2.3789% | 4,888 |
| Noninterest income to average assets | 0.3121% | 3,643 |
| Noninterest expense to average assets | 2.8610% | 2,238 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.3790% | 4,907 |
| Return on assets (ROA) | -0.3790% | 4,880 |
| Pretax return on assets | -0.3790% | 4,858 |
| Return on Equity (ROE) | -3.4045% | 4,887 |
| Retained earnings to average equity (ytd only) | -20.0935% | 4,964 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.2695% | 119 |
| Assets per employee ($millions) | 4.7528% | 2,928 |
| Cash dividends to net income (ytd only)* | -490.1961% | 5,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2140% | 119 |
| Loan loss allowance to noncurrent loans | 142.8571% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 0.4686% | 2,593 |
| Noncurrent loans to loans | 2.2498% | 575 |
| Net loans and leases to total assets | 20.1603% | 5,008 |
| Net loans and leases to deposits | 22.7867% | 5,021 |
| Net loans and leases to core deposits | 24.4038% | 5,011 |
| Total domestic deposits to total assets | 88.4738% | 897 |
| Equity capital to assets | 11.4018% | 2,524 |
| Core capital (leverage) ratio | 10.1342% | 3,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,826,500 | 4,650 |
| Average earning assets | $49,099,000 | 4,652 |
| Average equity | $5,992,000 | 4,725 |
| Average total loans | $12,342,000 | 4,958 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0179% | 4,213 |
| Cost of funding earning assets | 0.4248% | 4,357 |
| Net interest margin | 3.5931% | 3,154 |
| Noninterest income to average assets | 0.3195% | 3,780 |
| Noninterest expense to average assets | 2.8069% | 2,577 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7022% | 3,864 |
| Return on assets (ROA) | 0.7022% | 3,924 |
| Pretax return on assets | 0.7022% | 4,207 |
| Return on Equity (ROE) | 6.5022% | 3,740 |
| Retained earnings to average equity (ytd only) | 6.5022% | 1,605 |
| Net charge-offs to loans | 0.1438% | 1,365 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 17.1818% | 2,124 |
| Efficiency ratio | 79.9894% | 945 |
| Assets per employee ($millions) | 5.0338% | 2,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5373% | 207 |
| Loan loss allowance to noncurrent loans | 239.7260% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.2637% | 3,377 |
| Noncurrent loans to loans | 1.0584% | 1,428 |
| Net loans and leases to total assets | 24.2794% | 5,035 |
| Net loans and leases to deposits | 27.2925% | 5,054 |
| Net loans and leases to core deposits | 29.3013% | 5,053 |
| Total domestic deposits to total assets | 88.9601% | 688 |
| Equity capital to assets | 10.8773% | 3,110 |
| Core capital (leverage) ratio | 11.3000% | 2,252 |
| Tier 1 risk-based capital ratio | 30.8447% | 446 |
| Total risk-based capital ratio | 32.0984% | 440 |
| Memoranda: | ||
| Average total assets | $53,831,400 | 4,684 |
| Average earning assets | $47,785,800 | 4,716 |
| Average equity | $5,813,400 | 4,783 |
| Average total loans | $15,303,000 | 4,962 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0991% | 4,156 |
| Cost of funding earning assets | 0.4267% | 4,411 |
| Net interest margin | 3.6723% | 3,019 |
| Noninterest income to average assets | 0.3318% | 3,758 |
| Noninterest expense to average assets | 2.7416% | 2,740 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8532% | 3,509 |
| Return on assets (ROA) | 0.8532% | 3,589 |
| Pretax return on assets | 0.8532% | 3,998 |
| Return on Equity (ROE) | 7.9151% | 3,351 |
| Retained earnings to average equity (ytd only) | 7.9151% | 1,436 |
| Net charge-offs to loans | 0.1275% | 1,240 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 22.7995% | 1,854 |
| Efficiency ratio | 76.2665% | 1,302 |
| Assets per employee ($millions) | 4.6965% | 2,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2363% | 313 |
| Loan loss allowance to noncurrent loans | 256.8345% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.2691% | 3,475 |
| Noncurrent loans to loans | 0.8707% | 1,841 |
| Net loans and leases to total assets | 30.2104% | 5,052 |
| Net loans and leases to deposits | 34.2800% | 5,087 |
| Net loans and leases to core deposits | 37.0317% | 5,069 |
| Total domestic deposits to total assets | 88.1284% | 982 |
| Equity capital to assets | 11.6761% | 2,534 |
| Core capital (leverage) ratio | 11.3419% | 2,349 |
| Tier 1 risk-based capital ratio | 11.3419% | 4,740 |
| Total risk-based capital ratio | 12.0527% | 4,893 |
| Memoranda: | ||
| Average total assets | $53,446,250 | 4,761 |
| Average earning assets | $47,489,500 | 4,786 |
| Average equity | $5,761,000 | 4,850 |
| Average total loans | $15,680,250 | 5,031 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9857% | 4,409 |
| Cost of funding earning assets | 0.4215% | 4,426 |
| Net interest margin | 3.5642% | 3,384 |
| Noninterest income to average assets | 0.3220% | 3,781 |
| Noninterest expense to average assets | 2.5536% | 3,320 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9289% | 3,173 |
| Return on assets (ROA) | 0.9289% | 3,235 |
| Pretax return on assets | 0.9289% | 3,768 |
| Return on Equity (ROE) | 8.8526% | 2,918 |
| Retained earnings to average equity (ytd only) | 8.8526% | 1,078 |
| Net charge-offs to loans | 0.0257% | 2,343 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 125.5000% | 583 |
| Efficiency ratio | 73.3262% | 1,731 |
| Assets per employee ($millions) | 4.8165% | 2,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4450% | 238 |
| Loan loss allowance to noncurrent loans | 78.3898% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 0.8909% | 1,568 |
| Noncurrent loans to loans | 3.1190% | 315 |
| Net loans and leases to total assets | 27.8642% | 5,126 |
| Net loans and leases to deposits | 31.4407% | 5,157 |
| Net loans and leases to core deposits | 33.6494% | 5,151 |
| Total domestic deposits to total assets | 88.6244% | 816 |
| Equity capital to assets | 11.1849% | 2,876 |
| Core capital (leverage) ratio | 10.9507% | 2,644 |
| Tier 1 risk-based capital ratio | 28.5305% | 541 |
| Total risk-based capital ratio | 29.7879% | 528 |
| Memoranda: | ||
| Average total assets | $54,041,330 | 4,788 |
| Average earning assets | $47,921,330 | 4,809 |
| Average equity | $5,670,670 | 4,891 |
| Average total loans | $15,585,670 | 5,074 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7788% | 4,735 |
| Cost of funding earning assets | 0.4013% | 4,477 |
| Net interest margin | 3.3775% | 3,950 |
| Noninterest income to average assets | 0.3445% | 3,558 |
| Noninterest expense to average assets | 2.3016% | 4,014 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0042% | 2,823 |
| Return on assets (ROA) | 1.0042% | 2,865 |
| Pretax return on assets | 1.0042% | 3,422 |
| Return on Equity (ROE) | 9.8863% | 2,414 |
| Retained earnings to average equity (ytd only) | 9.8863% | 1,060 |
| Net charge-offs to loans | -0.0253% | 4,581 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6231% | 2,406 |
| Assets per employee ($millions) | 5.0307% | 2,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6850% | 197 |
| Loan loss allowance to noncurrent loans | 84.5805% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 0.7969% | 1,774 |
| Noncurrent loans to loans | 3.1745% | 322 |
| Net loans and leases to total assets | 24.4299% | 5,229 |
| Net loans and leases to deposits | 27.2571% | 5,242 |
| Net loans and leases to core deposits | 29.0581% | 5,240 |
| Total domestic deposits to total assets | 89.6274% | 587 |
| Equity capital to assets | 10.2118% | 3,608 |
| Core capital (leverage) ratio | 10.3208% | 3,254 |
| Tier 1 risk-based capital ratio | 29.0029% | 508 |
| Total risk-based capital ratio | 30.2630% | 500 |
| Memoranda: | ||
| Average total assets | $54,571,000 | 4,831 |
| Average earning assets | $47,845,500 | 4,862 |
| Average equity | $5,543,000 | 4,954 |
| Average total loans | $15,812,000 | 5,131 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8835% | 4,309 |
| Cost of funding earning assets | 0.2554% | 4,778 |
| Net interest margin | 3.6281% | 3,285 |
| Noninterest income to average assets | 0.3585% | 3,694 |
| Noninterest expense to average assets | 2.3277% | 4,054 |
| Loan and lease loss provision to assets | 0.0360% | 3,480 |
| Net operating income to assets | 1.2701% | 1,915 |
| Return on assets (ROA) | 1.2701% | 1,913 |
| Pretax return on assets | 1.2701% | 2,615 |
| Return on Equity (ROE) | 12.3589% | 1,594 |
| Retained earnings to average equity (ytd only) | 0.2630% | 4,913 |
| Net charge-offs to loans | 0.1536% | 1,250 |
| Credit loss provision to net charge-offs | 74.0741% | 2,937 |
| Earnings coverage of net charge-offs (x) | 26.8519% | 1,710 |
| Efficiency ratio | 64.0555% | 3,186 |
| Assets per employee ($millions) | 5.3912% | 2,066 |
| Cash dividends to net income (ytd only)* | 97.8723% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5334% | 1,190 |
| Loan loss allowance to noncurrent loans | 94.4444% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 0.5342% | 2,461 |
| Noncurrent loans to loans | 1.6236% | 900 |
| Net loans and leases to total assets | 32.3972% | 5,163 |
| Net loans and leases to deposits | 36.2072% | 5,194 |
| Net loans and leases to core deposits | 38.6647% | 5,177 |
| Total domestic deposits to total assets | 89.4773% | 670 |
| Equity capital to assets | 10.2816% | 3,394 |
| Core capital (leverage) ratio | 10.6160% | 2,915 |
| Tier 1 risk-based capital ratio | 25.3201% | 722 |
| Total risk-based capital ratio | 26.5742% | 706 |
| Memoranda: | ||
| Average total assets | $55,506,200 | 4,846 |
| Average earning assets | $50,109,400 | 4,852 |
| Average equity | $5,704,400 | 4,942 |
| Average total loans | $17,576,200 | 5,132 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6734% | 4,698 |
| Cost of funding earning assets | 0.2405% | 4,844 |
| Net interest margin | 3.4328% | 3,914 |
| Noninterest income to average assets | 0.3720% | 3,650 |
| Noninterest expense to average assets | 2.2371% | 4,242 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2664% | 1,975 |
| Return on assets (ROA) | 1.2664% | 1,982 |
| Pretax return on assets | 1.2664% | 2,737 |
| Return on Equity (ROE) | 12.3239% | 1,673 |
| Retained earnings to average equity (ytd only) | 12.3239% | 438 |
| Net charge-offs to loans | 0.0532% | 2,061 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 75.8821% | 903 |
| Efficiency ratio | 63.8530% | 3,208 |
| Assets per employee ($millions) | 4.9429% | 2,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4626% | 1,482 |
| Loan loss allowance to noncurrent loans | 46.2585% | 4,471 |
| Noncurrent assets plus other real estate owned to assets | 1.0814% | 1,335 |
| Noncurrent loans to loans | 3.1618% | 331 |
| Net loans and leases to total assets | 33.7030% | 5,206 |
| Net loans and leases to deposits | 37.9258% | 5,245 |
| Net loans and leases to core deposits | 40.6527% | 5,228 |
| Total domestic deposits to total assets | 88.8656% | 887 |
| Equity capital to assets | 10.9468% | 2,709 |
| Core capital (leverage) ratio | 11.1945% | 2,421 |
| Tier 1 risk-based capital ratio | 26.4844% | 649 |
| Total risk-based capital ratio | 27.7093% | 642 |
| Memoranda: | ||
| Average total assets | $55,904,750 | 4,886 |
| Average earning assets | $50,996,250 | 4,887 |
| Average equity | $5,744,750 | 4,997 |
| Average total loans | $17,535,750 | 5,194 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5637% | 4,825 |
| Cost of funding earning assets | 0.2186% | 4,931 |
| Net interest margin | 3.3451% | 4,119 |
| Noninterest income to average assets | 0.3900% | 3,550 |
| Noninterest expense to average assets | 2.2263% | 4,310 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2018% | 2,191 |
| Return on assets (ROA) | 1.2018% | 2,190 |
| Pretax return on assets | 1.2018% | 2,940 |
| Return on Equity (ROE) | 11.9457% | 1,747 |
| Retained earnings to average equity (ytd only) | 11.9457% | 526 |
| Net charge-offs to loans | 0.0931% | 1,416 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 42.3750% | 1,252 |
| Efficiency ratio | 64.9431% | 3,168 |
| Assets per employee ($millions) | 5.0179% | 2,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5967% | 1,119 |
| Loan loss allowance to noncurrent loans | 45.6998% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 1.0743% | 1,379 |
| Noncurrent loans to loans | 3.4938% | 280 |
| Net loans and leases to total assets | 30.2589% | 5,321 |
| Net loans and leases to deposits | 33.8707% | 5,348 |
| Net loans and leases to core deposits | 36.2268% | 5,343 |
| Total domestic deposits to total assets | 89.3364% | 798 |
| Equity capital to assets | 10.4843% | 3,136 |
| Core capital (leverage) ratio | 10.7467% | 2,760 |
| Tier 1 risk-based capital ratio | 26.7955% | 622 |
| Total risk-based capital ratio | 28.0515% | 614 |
| Memoranda: | ||
| Average total assets | $56,415,670 | 4,933 |
| Average earning assets | $51,239,330 | 4,944 |
| Average equity | $5,675,670 | 5,055 |
| Average total loans | $17,182,000 | 5,264 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4288% | 4,977 |
| Cost of funding earning assets | 0.2182% | 4,905 |
| Net interest margin | 3.2106% | 4,427 |
| Noninterest income to average assets | 0.4349% | 3,204 |
| Noninterest expense to average assets | 2.0693% | 4,728 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2556% | 1,785 |
| Return on assets (ROA) | 1.2556% | 1,798 |
| Pretax return on assets | 1.2556% | 2,534 |
| Return on Equity (ROE) | 12.7402% | 1,338 |
| Retained earnings to average equity (ytd only) | 12.7402% | 560 |
| Net charge-offs to loans | 0.1620% | 873 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 25.5714% | 1,342 |
| Efficiency ratio | 62.2363% | 3,744 |
| Assets per employee ($millions) | 5.1546% | 2,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7884% | 805 |
| Loan loss allowance to noncurrent loans | 38.5269% | 4,670 |
| Noncurrent assets plus other real estate owned to assets | 1.2451% | 1,204 |
| Noncurrent loans to loans | 4.6420% | 178 |
| Net loans and leases to total assets | 26.3435% | 5,436 |
| Net loans and leases to deposits | 29.3020% | 5,457 |
| Net loans and leases to core deposits | 31.0386% | 5,447 |
| Total domestic deposits to total assets | 89.9032% | 699 |
| Equity capital to assets | 9.9681% | 3,627 |
| Core capital (leverage) ratio | 10.1142% | 3,412 |
| Tier 1 risk-based capital ratio | 27.3347% | 596 |
| Total risk-based capital ratio | 28.5860% | 586 |
| Memoranda: | ||
| Average total assets | $57,025,000 | 4,978 |
| Average earning assets | $51,330,500 | 5,004 |
| Average equity | $5,620,000 | 5,117 |
| Average total loans | $17,286,500 | 5,321 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3658% | 4,988 |
| Cost of funding earning assets | 0.2017% | 4,940 |
| Net interest margin | 3.1641% | 4,535 |
| Noninterest income to average assets | 0.3329% | 4,085 |
| Noninterest expense to average assets | 2.1685% | 4,603 |
| Loan and lease loss provision to assets | 0.0324% | 3,622 |
| Net operating income to assets | 1.0114% | 2,189 |
| Return on assets (ROA) | 1.0114% | 2,224 |
| Pretax return on assets | 1.0114% | 3,521 |
| Return on Equity (ROE) | 9.6987% | 2,014 |
| Retained earnings to average equity (ytd only) | 0.6385% | 4,786 |
| Net charge-offs to loans | -0.0375% | 5,115 |
| Credit loss provision to net charge-offs | -257.1429% | 4,851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5070% | 2,995 |
| Assets per employee ($millions) | 5.2135% | 2,240 |
| Cash dividends to net income (ytd only)* | 93.4164% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4408% | 1,612 |
| Loan loss allowance to noncurrent loans | 38.5892% | 4,717 |
| Noncurrent assets plus other real estate owned to assets | 1.2607% | 1,155 |
| Noncurrent loans to loans | 3.7337% | 262 |
| Net loans and leases to total assets | 33.2787% | 5,362 |
| Net loans and leases to deposits | 36.9463% | 5,410 |
| Net loans and leases to core deposits | 39.0390% | 5,402 |
| Total domestic deposits to total assets | 90.0731% | 546 |
| Equity capital to assets | 9.7438% | 3,977 |
| Core capital (leverage) ratio | 10.6256% | 2,712 |
| Tier 1 risk-based capital ratio | 22.5976% | 952 |
| Total risk-based capital ratio | 23.7711% | 942 |
| Memoranda: | ||
| Average total assets | $55,568,400 | 5,051 |
| Average earning assets | $50,566,800 | 5,050 |
| Average equity | $5,794,600 | 5,133 |
| Average total loans | $18,685,600 | 5,340 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2841% | 5,132 |
| Cost of funding earning assets | 0.1991% | 4,982 |
| Net interest margin | 3.0850% | 4,746 |
| Noninterest income to average assets | 0.3362% | 4,126 |
| Noninterest expense to average assets | 2.1333% | 4,665 |
| Loan and lease loss provision to assets | 0.0435% | 3,233 |
| Net operating income to assets | 0.9699% | 2,691 |
| Return on assets (ROA) | 0.9699% | 2,746 |
| Pretax return on assets | 0.9699% | 3,801 |
| Return on Equity (ROE) | 9.1452% | 2,528 |
| Retained earnings to average equity (ytd only) | 9.1452% | 802 |
| Net charge-offs to loans | -0.0216% | 4,875 |
| Credit loss provision to net charge-offs | -600.0000% | 4,842 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7940% | 2,914 |
| Assets per employee ($millions) | 4.4006% | 3,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3782% | 1,987 |
| Loan loss allowance to noncurrent loans | 38.7324% | 4,784 |
| Noncurrent assets plus other real estate owned to assets | 1.3445% | 1,185 |
| Noncurrent loans to loans | 3.5582% | 306 |
| Net loans and leases to total assets | 37.2659% | 5,294 |
| Net loans and leases to deposits | 42.1952% | 5,359 |
| Net loans and leases to core deposits | 44.8637% | 5,346 |
| Total domestic deposits to total assets | 88.3178% | 1,207 |
| Equity capital to assets | 11.5250% | 2,337 |
| Core capital (leverage) ratio | 11.3680% | 2,125 |
| Tier 1 risk-based capital ratio | 24.7840% | 777 |
| Total risk-based capital ratio | 25.9739% | 768 |
| Memoranda: | ||
| Average total assets | $55,123,250 | 5,118 |
| Average earning assets | $50,220,750 | 5,115 |
| Average equity | $5,846,250 | 5,180 |
| Average total loans | $18,516,000 | 5,401 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1162% | 5,334 |
| Cost of funding earning assets | 0.2002% | 4,979 |
| Net interest margin | 2.9161% | 5,069 |
| Noninterest income to average assets | 0.3399% | 4,119 |
| Noninterest expense to average assets | 2.1111% | 4,755 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8874% | 2,976 |
| Return on assets (ROA) | 0.8874% | 3,035 |
| Pretax return on assets | 0.8874% | 3,967 |
| Return on Equity (ROE) | 8.6017% | 2,719 |
| Retained earnings to average equity (ytd only) | 8.6017% | 967 |
| Net charge-offs to loans | -0.0333% | 5,003 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4057% | 2,601 |
| Assets per employee ($millions) | 4.9214% | 2,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3788% | 2,040 |
| Loan loss allowance to noncurrent loans | 244.7619% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.1940% | 4,401 |
| Noncurrent loans to loans | 0.5633% | 3,050 |
| Net loans and leases to total assets | 33.9577% | 5,448 |
| Net loans and leases to deposits | 38.1929% | 5,503 |
| Net loans and leases to core deposits | 40.5412% | 5,483 |
| Total domestic deposits to total assets | 88.9111% | 1,001 |
| Equity capital to assets | 10.9467% | 2,865 |
| Core capital (leverage) ratio | 10.6779% | 2,728 |
| Tier 1 risk-based capital ratio | 25.4343% | 709 |
| Total risk-based capital ratio | 26.6098% | 701 |
| Memoranda: | ||
| Average total assets | $55,895,330 | 5,140 |
| Average earning assets | $50,959,000 | 5,141 |
| Average equity | $5,766,330 | 5,225 |
| Average total loans | $18,036,670 | 5,462 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9700% | 5,489 |
| Cost of funding earning assets | 0.2032% | 4,953 |
| Net interest margin | 2.7668% | 5,309 |
| Noninterest income to average assets | 0.3382% | 4,144 |
| Noninterest expense to average assets | 2.0150% | 5,020 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8173% | 3,141 |
| Return on assets (ROA) | 0.8173% | 3,198 |
| Pretax return on assets | 0.8173% | 4,046 |
| Return on Equity (ROE) | 8.1597% | 2,830 |
| Retained earnings to average equity (ytd only) | 8.1597% | 1,392 |
| Net charge-offs to loans | -0.0451% | 5,135 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1443% | 2,712 |
| Assets per employee ($millions) | 5.1986% | 2,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6260% | 1,317 |
| Loan loss allowance to noncurrent loans | 248.5437% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.1801% | 4,522 |
| Noncurrent loans to loans | 0.6542% | 2,869 |
| Net loans and leases to total assets | 27.0840% | 5,648 |
| Net loans and leases to deposits | 30.1417% | 5,680 |
| Net loans and leases to core deposits | 31.8683% | 5,672 |
| Total domestic deposits to total assets | 89.8557% | 721 |
| Equity capital to assets | 10.0463% | 3,701 |
| Core capital (leverage) ratio | 9.8648% | 3,673 |
| Tier 1 risk-based capital ratio | 27.3951% | 599 |
| Total risk-based capital ratio | 28.6470% | 585 |
| Memoranda: | ||
| Average total assets | $56,775,500 | 5,175 |
| Average earning assets | $51,178,000 | 5,191 |
| Average equity | $5,686,500 | 5,286 |
| Average total loans | $17,735,000 | 5,530 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0615% | 5,446 |
| Cost of funding earning assets | 0.1828% | 5,181 |
| Net interest margin | 2.8786% | 5,170 |
| Noninterest income to average assets | 0.3400% | 4,311 |
| Noninterest expense to average assets | 2.1280% | 4,946 |
| Loan and lease loss provision to assets | 0.0368% | 3,629 |
| Net operating income to assets | 0.7792% | 3,408 |
| Return on assets (ROA) | 0.7792% | 3,512 |
| Pretax return on assets | 0.7792% | 4,242 |
| Return on Equity (ROE) | 7.2372% | 3,346 |
| Retained earnings to average equity (ytd only) | 0.2390% | 5,220 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2846% | 2,553 |
| Assets per employee ($millions) | 4.3358% | 3,385 |
| Cash dividends to net income (ytd only)* | 96.6981% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2876% | 2,612 |
| Loan loss allowance to noncurrent loans | 209.9174% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.2147% | 4,454 |
| Noncurrent loans to loans | 0.6134% | 3,011 |
| Net loans and leases to total assets | 34.5456% | 5,537 |
| Net loans and leases to deposits | 38.4359% | 5,594 |
| Net loans and leases to core deposits | 40.8415% | 5,577 |
| Total domestic deposits to total assets | 89.8787% | 693 |
| Equity capital to assets | 9.9847% | 3,740 |
| Core capital (leverage) ratio | 10.5680% | 2,809 |
| Tier 1 risk-based capital ratio | 23.2136% | 948 |
| Total risk-based capital ratio | 24.3208% | 943 |
| Memoranda: | ||
| Average total assets | $54,417,400 | 5,259 |
| Average earning assets | $49,224,800 | 5,262 |
| Average equity | $5,858,600 | 5,298 |
| Average total loans | $17,625,400 | 5,589 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9687% | 5,595 |
| Cost of funding earning assets | 0.1825% | 5,246 |
| Net interest margin | 2.7862% | 5,378 |
| Noninterest income to average assets | 0.3634% | 4,180 |
| Noninterest expense to average assets | 2.1459% | 4,898 |
| Loan and lease loss provision to assets | 0.0495% | 3,257 |
| Net operating income to assets | 0.6972% | 3,867 |
| Return on assets (ROA) | 0.6972% | 3,996 |
| Pretax return on assets | 0.6972% | 4,614 |
| Return on Equity (ROE) | 6.3552% | 3,901 |
| Retained earnings to average equity (ytd only) | 6.3552% | 1,983 |
| Net charge-offs to loans | 0.0078% | 3,650 |
| Credit loss provision to net charge-offs | 2,000.0000% | 231 |
| Earnings coverage of net charge-offs (x) | 302.7519% | 270 |
| Efficiency ratio | 74.1880% | 2,252 |
| Assets per employee ($millions) | 4.7374% | 2,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3648% | 2,361 |
| Loan loss allowance to noncurrent loans | 232.1101% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.2092% | 4,596 |
| Noncurrent loans to loans | 0.5880% | 3,244 |
| Net loans and leases to total assets | 35.0866% | 5,586 |
| Net loans and leases to deposits | 39.7963% | 5,640 |
| Net loans and leases to core deposits | 42.2263% | 5,630 |
| Total domestic deposits to total assets | 88.1656% | 1,311 |
| Equity capital to assets | 11.6847% | 2,369 |
| Core capital (leverage) ratio | 11.0642% | 2,385 |
| Tier 1 risk-based capital ratio | 26.1412% | 700 |
| Total risk-based capital ratio | 27.3274% | 692 |
| Memoranda: | ||
| Average total assets | $53,930,250 | 5,317 |
| Average earning assets | $48,953,750 | 5,318 |
| Average equity | $5,916,250 | 5,348 |
| Average total loans | $17,100,250 | 5,669 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8678% | 5,759 |
| Cost of funding earning assets | 0.1787% | 5,332 |
| Net interest margin | 2.6891% | 5,583 |
| Noninterest income to average assets | 0.3924% | 3,928 |
| Noninterest expense to average assets | 2.0830% | 5,097 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7371% | 3,620 |
| Return on assets (ROA) | 0.7078% | 3,902 |
| Pretax return on assets | 0.7078% | 4,592 |
| Return on Equity (ROE) | 6.5885% | 3,759 |
| Retained earnings to average equity (ytd only) | 6.5885% | 1,820 |
| Net charge-offs to loans | 0.0120% | 3,304 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 201.0000% | 325 |
| Efficiency ratio | 73.8622% | 2,383 |
| Assets per employee ($millions) | 4.8836% | 2,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4354% | 2,129 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 29.7822% | 5,783 |
| Net loans and leases to deposits | 33.5824% | 5,830 |
| Net loans and leases to core deposits | 35.5525% | 5,820 |
| Total domestic deposits to total assets | 88.6839% | 1,071 |
| Equity capital to assets | 11.1802% | 2,868 |
| Core capital (leverage) ratio | 10.7205% | 2,726 |
| Tier 1 risk-based capital ratio | 27.9882% | 596 |
| Total risk-based capital ratio | 29.1820% | 584 |
| Memoranda: | ||
| Average total assets | $54,536,670 | 5,356 |
| Average earning assets | $49,236,330 | 5,372 |
| Average equity | $5,858,670 | 5,412 |
| Average total loans | $16,621,330 | 5,748 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8145% | 5,846 |
| Cost of funding earning assets | 0.1774% | 5,395 |
| Net interest margin | 2.6371% | 5,683 |
| Noninterest income to average assets | 0.3931% | 3,880 |
| Noninterest expense to average assets | 2.1258% | 5,062 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6479% | 3,984 |
| Return on assets (ROA) | 0.5897% | 4,345 |
| Pretax return on assets | 0.5897% | 4,849 |
| Return on Equity (ROE) | 5.6007% | 4,175 |
| Retained earnings to average equity (ytd only) | 5.6007% | 2,582 |
| Net charge-offs to loans | 0.0714% | 1,765 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 29.6667% | 1,189 |
| Efficiency ratio | 76.6404% | 2,091 |
| Assets per employee ($millions) | 5.1235% | 2,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5461% | 1,804 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 26.1005% | 5,914 |
| Net loans and leases to deposits | 29.1628% | 5,941 |
| Net loans and leases to core deposits | 30.7708% | 5,937 |
| Total domestic deposits to total assets | 89.4995% | 834 |
| Equity capital to assets | 10.4030% | 3,612 |
| Core capital (leverage) ratio | 10.0821% | 3,438 |
| Tier 1 risk-based capital ratio | 28.7393% | 563 |
| Total risk-based capital ratio | 29.9790% | 549 |
| Memoranda: | ||
| Average total assets | $54,945,000 | 5,402 |
| Average earning assets | $49,599,500 | 5,413 |
| Average equity | $5,785,000 | 5,457 |
| Average total loans | $16,816,000 | 5,793 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9079% | 5,805 |
| Cost of funding earning assets | 0.1792% | 5,464 |
| Net interest margin | 2.7288% | 5,618 |
| Noninterest income to average assets | 0.4101% | 3,952 |
| Noninterest expense to average assets | 2.1425% | 5,167 |
| Loan and lease loss provision to assets | 0.3367% | 465 |
| Net operating income to assets | 0.4232% | 4,977 |
| Return on assets (ROA) | 0.4232% | 5,060 |
| Pretax return on assets | 0.4232% | 5,277 |
| Return on Equity (ROE) | 3.8505% | 5,009 |
| Retained earnings to average equity (ytd only) | -0.9412% | 5,648 |
| Net charge-offs to loans | 1.1889% | 148 |
| Credit loss provision to net charge-offs | 91.3265% | 2,738 |
| Earnings coverage of net charge-offs (x) | 2.0612% | 3,980 |
| Efficiency ratio | 73.8172% | 2,611 |
| Assets per employee ($millions) | 4.8665% | 2,508 |
| Cash dividends to net income (ytd only)* | 124.4444% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2519% | 3,159 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 34.4791% | 5,760 |
| Net loans and leases to deposits | 38.6583% | 5,818 |
| Net loans and leases to core deposits | 40.4661% | 5,806 |
| Total domestic deposits to total assets | 89.1894% | 1,027 |
| Equity capital to assets | 10.6611% | 3,179 |
| Core capital (leverage) ratio | 11.1434% | 2,271 |
| Tier 1 risk-based capital ratio | 24.2015% | 903 |
| Total risk-based capital ratio | 25.2733% | 913 |
| Memoranda: | ||
| Average total assets | $53,162,000 | 5,480 |
| Average earning assets | $48,557,000 | 5,468 |
| Average equity | $5,843,400 | 5,471 |
| Average total loans | $16,485,600 | 5,848 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7442% | 5,997 |
| Cost of funding earning assets | 0.1793% | 5,557 |
| Net interest margin | 2.5649% | 5,867 |
| Noninterest income to average assets | 0.4144% | 3,974 |
| Noninterest expense to average assets | 2.1524% | 5,165 |
| Loan and lease loss provision to assets | 0.2738% | 586 |
| Net operating income to assets | 0.3591% | 5,290 |
| Return on assets (ROA) | 0.3591% | 5,377 |
| Pretax return on assets | 0.3591% | 5,541 |
| Return on Equity (ROE) | 3.2343% | 5,304 |
| Retained earnings to average equity (ytd only) | 3.2343% | 4,159 |
| Net charge-offs to loans | 1.6484% | 81 |
| Credit loss provision to net charge-offs | 55.3299% | 2,972 |
| Earnings coverage of net charge-offs (x) | 1.2792% | 3,856 |
| Efficiency ratio | 77.2768% | 2,052 |
| Assets per employee ($millions) | 4.5222% | 2,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9229% | 5,109 |
| Loan loss allowance to noncurrent loans | 116.4286% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 0.2814% | 4,644 |
| Noncurrent loans to loans | 0.7927% | 2,982 |
| Net loans and leases to total assets | 35.1781% | 5,808 |
| Net loans and leases to deposits | 40.0526% | 5,862 |
| Net loans and leases to core deposits | 42.0659% | 5,854 |
| Total domestic deposits to total assets | 87.8297% | 1,643 |
| Equity capital to assets | 12.0175% | 2,087 |
| Core capital (leverage) ratio | 11.3635% | 2,142 |
| Tier 1 risk-based capital ratio | 26.7729% | 708 |
| Total risk-based capital ratio | 27.5949% | 721 |
| Memoranda: | ||
| Average total assets | $53,087,250 | 5,550 |
| Average earning assets | $49,072,000 | 5,528 |
| Average equity | $5,895,000 | 5,527 |
| Average total loans | $15,934,250 | 5,940 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6024% | 6,114 |
| Cost of funding earning assets | 0.1796% | 5,618 |
| Net interest margin | 2.4228% | 6,028 |
| Noninterest income to average assets | 0.3874% | 4,172 |
| Noninterest expense to average assets | 2.0553% | 5,427 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5719% | 4,461 |
| Return on assets (ROA) | 0.5719% | 4,565 |
| Pretax return on assets | 0.5719% | 5,043 |
| Return on Equity (ROE) | 5.2835% | 4,499 |
| Retained earnings to average equity (ytd only) | 5.2835% | 2,686 |
| Net charge-offs to loans | -0.0391% | 5,442 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2303% | 2,033 |
| Assets per employee ($millions) | 4.6370% | 2,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7142% | 1,567 |
| Loan loss allowance to noncurrent loans | 79.1277% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 0.6293% | 3,534 |
| Noncurrent loans to loans | 2.1664% | 1,108 |
| Net loans and leases to total assets | 28.5510% | 6,081 |
| Net loans and leases to deposits | 32.3629% | 6,115 |
| Net loans and leases to core deposits | 33.7560% | 6,111 |
| Total domestic deposits to total assets | 88.2212% | 1,531 |
| Equity capital to assets | 11.6572% | 2,284 |
| Core capital (leverage) ratio | 10.9815% | 2,445 |
| Tier 1 risk-based capital ratio | 30.8193% | 498 |
| Total risk-based capital ratio | 32.0676% | 494 |
| Memoranda: | ||
| Average total assets | $54,201,670 | 5,576 |
| Average earning assets | $50,106,670 | 5,559 |
| Average equity | $5,867,330 | 5,580 |
| Average total loans | $15,358,330 | 6,020 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5469% | 6,204 |
| Cost of funding earning assets | 0.1802% | 5,678 |
| Net interest margin | 2.3667% | 6,113 |
| Noninterest income to average assets | 0.4014% | 3,993 |
| Noninterest expense to average assets | 2.0359% | 5,510 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5305% | 4,543 |
| Return on assets (ROA) | 0.5305% | 4,657 |
| Pretax return on assets | 0.5305% | 5,097 |
| Return on Equity (ROE) | 5.0789% | 4,495 |
| Retained earnings to average equity (ytd only) | 5.0789% | 3,019 |
| Net charge-offs to loans | -0.0512% | 5,524 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3296% | 1,984 |
| Assets per employee ($millions) | 4.9438% | 2,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8347% | 1,420 |
| Loan loss allowance to noncurrent loans | 78.8162% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 0.5903% | 3,707 |
| Noncurrent loans to loans | 2.3278% | 1,060 |
| Net loans and leases to total assets | 24.8924% | 6,197 |
| Net loans and leases to deposits | 27.9575% | 6,219 |
| Net loans and leases to core deposits | 29.8034% | 6,216 |
| Total domestic deposits to total assets | 89.0368% | 1,239 |
| Equity capital to assets | 10.8620% | 3,129 |
| Core capital (leverage) ratio | 9.9978% | 3,602 |
| Tier 1 risk-based capital ratio | 30.9586% | 496 |
| Total risk-based capital ratio | 32.2083% | 491 |
| Memoranda: | ||
| Average total assets | $55,799,000 | 5,597 |
| Average earning assets | $51,041,500 | 5,587 |
| Average equity | $5,828,000 | 5,646 |
| Average total loans | $15,629,000 | 6,067 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7451% | 6,238 |
| Cost of funding earning assets | 0.1874% | 5,853 |
| Net interest margin | 2.5577% | 6,106 |
| Noninterest income to average assets | 0.3940% | 4,233 |
| Noninterest expense to average assets | 2.0252% | 5,723 |
| Loan and lease loss provision to assets | 0.0430% | 3,709 |
| Net operating income to assets | 0.6504% | 4,139 |
| Return on assets (ROA) | 0.6504% | 4,246 |
| Pretax return on assets | 0.6504% | 4,780 |
| Return on Equity (ROE) | 6.5568% | 3,869 |
| Retained earnings to average equity (ytd only) | 0.1388% | 5,710 |
| Net charge-offs to loans | -0.0252% | 5,751 |
| Credit loss provision to net charge-offs | -625.0000% | 5,830 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4937% | 2,751 |
| Assets per employee ($millions) | 4.7680% | 2,640 |
| Cash dividends to net income (ytd only)* | 97.8836% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4369% | 2,759 |
| Loan loss allowance to noncurrent loans | 78.1931% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 0.5610% | 3,926 |
| Noncurrent loans to loans | 1.8376% | 1,554 |
| Net loans and leases to total assets | 30.0912% | 6,175 |
| Net loans and leases to deposits | 33.5072% | 6,230 |
| Net loans and leases to core deposits | 36.1998% | 6,200 |
| Total domestic deposits to total assets | 89.8053% | 825 |
| Equity capital to assets | 10.0479% | 4,047 |
| Core capital (leverage) ratio | 10.3842% | 3,073 |
| Tier 1 risk-based capital ratio | 24.2109% | 928 |
| Total risk-based capital ratio | 25.3448% | 923 |
| Memoranda: | ||
| Average total assets | $58,117,400 | 5,598 |
| Average earning assets | $52,820,800 | 5,596 |
| Average equity | $5,765,000 | 5,672 |
| Average total loans | $15,892,000 | 6,133 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6544% | 6,357 |
| Cost of funding earning assets | 0.1843% | 5,964 |
| Net interest margin | 2.4701% | 6,253 |
| Noninterest income to average assets | 0.4045% | 4,213 |
| Noninterest expense to average assets | 2.0156% | 5,744 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6559% | 4,188 |
| Return on assets (ROA) | 0.6559% | 4,288 |
| Pretax return on assets | 0.6559% | 4,857 |
| Return on Equity (ROE) | 6.6330% | 3,887 |
| Retained earnings to average equity (ytd only) | 6.6330% | 2,023 |
| Net charge-offs to loans | -0.0258% | 5,691 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4491% | 2,581 |
| Assets per employee ($millions) | 4.2142% | 3,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2706% | 3,807 |
| Loan loss allowance to noncurrent loans | 67.3653% | 4,563 |
| Noncurrent assets plus other real estate owned to assets | 0.6097% | 4,009 |
| Noncurrent loans to loans | 1.8862% | 1,690 |
| Net loans and leases to total assets | 31.9126% | 6,184 |
| Net loans and leases to deposits | 35.8891% | 6,246 |
| Net loans and leases to core deposits | 38.0346% | 6,233 |
| Total domestic deposits to total assets | 88.9201% | 1,286 |
| Equity capital to assets | 10.9430% | 3,012 |
| Core capital (leverage) ratio | 10.6677% | 2,846 |
| Tier 1 risk-based capital ratio | 25.8019% | 806 |
| Total risk-based capital ratio | 26.8424% | 807 |
| Memoranda: | ||
| Average total assets | $58,342,750 | 5,654 |
| Average earning assets | $53,545,500 | 5,647 |
| Average equity | $5,769,000 | 5,722 |
| Average total loans | $15,498,000 | 6,214 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5031% | 6,476 |
| Cost of funding earning assets | 0.1843% | 6,039 |
| Net interest margin | 2.3188% | 6,399 |
| Noninterest income to average assets | 0.4065% | 4,198 |
| Noninterest expense to average assets | 1.9251% | 5,959 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5947% | 4,378 |
| Return on assets (ROA) | 0.5947% | 4,475 |
| Pretax return on assets | 0.5947% | 4,972 |
| Return on Equity (ROE) | 6.2174% | 4,042 |
| Retained earnings to average equity (ytd only) | 6.2174% | 2,203 |
| Net charge-offs to loans | -0.0406% | 5,786 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4000% | 2,556 |
| Assets per employee ($millions) | 4.3415% | 3,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3894% | 3,408 |
| Loan loss allowance to noncurrent loans | 63.9205% | 4,692 |
| Noncurrent assets plus other real estate owned to assets | 0.6237% | 4,100 |
| Noncurrent loans to loans | 2.1736% | 1,515 |
| Net loans and leases to total assets | 28.2938% | 6,352 |
| Net loans and leases to deposits | 31.5861% | 6,394 |
| Net loans and leases to core deposits | 33.3989% | 6,384 |
| Total domestic deposits to total assets | 89.5765% | 1,033 |
| Equity capital to assets | 10.3118% | 3,672 |
| Core capital (leverage) ratio | 10.0445% | 3,545 |
| Tier 1 risk-based capital ratio | 25.8175% | 793 |
| Total risk-based capital ratio | 26.8782% | 792 |
| Memoranda: | ||
| Average total assets | $59,529,000 | 5,674 |
| Average earning assets | $54,252,330 | 5,682 |
| Average equity | $5,693,670 | 5,777 |
| Average total loans | $14,761,330 | 6,292 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4139% | 6,571 |
| Cost of funding earning assets | 0.1834% | 6,130 |
| Net interest margin | 2.2305% | 6,512 |
| Noninterest income to average assets | 0.4388% | 3,876 |
| Noninterest expense to average assets | 1.9124% | 6,044 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5174% | 4,599 |
| Return on assets (ROA) | 0.5174% | 4,675 |
| Pretax return on assets | 0.5174% | 5,114 |
| Return on Equity (ROE) | 5.6123% | 4,226 |
| Retained earnings to average equity (ytd only) | 5.6123% | 2,732 |
| Net charge-offs to loans | -0.0570% | 5,860 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7062% | 2,373 |
| Assets per employee ($millions) | 4.6255% | 2,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7124% | 2,312 |
| Loan loss allowance to noncurrent loans | 56.8528% | 4,952 |
| Noncurrent assets plus other real estate owned to assets | 0.6552% | 4,158 |
| Noncurrent loans to loans | 3.0120% | 1,045 |
| Net loans and leases to total assets | 21.3813% | 6,554 |
| Net loans and leases to deposits | 23.6451% | 6,579 |
| Net loans and leases to core deposits | 24.9147% | 6,570 |
| Total domestic deposits to total assets | 90.4261% | 845 |
| Equity capital to assets | 9.4825% | 4,524 |
| Core capital (leverage) ratio | 9.1682% | 4,766 |
| Tier 1 risk-based capital ratio | 27.5324% | 676 |
| Total risk-based capital ratio | 28.6733% | 670 |
| Memoranda: | ||
| Average total assets | $61,073,500 | 5,680 |
| Average earning assets | $54,517,000 | 5,722 |
| Average equity | $5,630,500 | 5,835 |
| Average total loans | $14,045,000 | 6,378 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3714% | 6,656 |
| Cost of funding earning assets | 0.1912% | 6,331 |
| Net interest margin | 2.1802% | 6,586 |
| Noninterest income to average assets | 0.3339% | 4,949 |
| Noninterest expense to average assets | 1.7498% | 6,389 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5580% | 4,464 |
| Return on assets (ROA) | 0.5580% | 4,587 |
| Pretax return on assets | 0.5580% | 5,016 |
| Return on Equity (ROE) | 6.1205% | 4,018 |
| Retained earnings to average equity (ytd only) | -1.5937% | 6,134 |
| Net charge-offs to loans | 0.3803% | 1,768 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 6.4464% | 3,063 |
| Efficiency ratio | 75.8205% | 2,804 |
| Assets per employee ($millions) | 5.1679% | 1,992 |
| Cash dividends to net income (ytd only)* | 126.0388% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4791% | 3,287 |
| Loan loss allowance to noncurrent loans | 54.5455% | 5,064 |
| Noncurrent assets plus other real estate owned to assets | 0.6563% | 4,278 |
| Noncurrent loans to loans | 2.7117% | 1,344 |
| Net loans and leases to total assets | 23.8442% | 6,611 |
| Net loans and leases to deposits | 26.2292% | 6,637 |
| Net loans and leases to core deposits | 27.7352% | 6,630 |
| Total domestic deposits to total assets | 90.9070% | 610 |
| Equity capital to assets | 8.9640% | 5,081 |
| Core capital (leverage) ratio | 9.3734% | 4,443 |
| Tier 1 risk-based capital ratio | 24.9814% | 850 |
| Total risk-based capital ratio | 26.0263% | 865 |
| Memoranda: | ||
| Average total assets | $64,691,600 | 5,630 |
| Average earning assets | $58,572,400 | 5,643 |
| Average equity | $5,898,200 | 5,844 |
| Average total loans | $14,726,400 | 6,431 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2957% | 6,752 |
| Cost of funding earning assets | 0.1943% | 6,422 |
| Net interest margin | 2.1015% | 6,696 |
| Noninterest income to average assets | 0.3305% | 5,043 |
| Noninterest expense to average assets | 1.7604% | 6,397 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4896% | 4,840 |
| Return on assets (ROA) | 0.4896% | 4,998 |
| Pretax return on assets | 0.4896% | 5,383 |
| Return on Equity (ROE) | 5.3483% | 4,536 |
| Retained earnings to average equity (ytd only) | 5.3483% | 2,832 |
| Net charge-offs to loans | 0.5186% | 1,243 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 4.2104% | 3,502 |
| Efficiency ratio | 78.2412% | 2,386 |
| Assets per employee ($millions) | 5.0528% | 2,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4724% | 3,577 |
| Loan loss allowance to noncurrent loans | 58.0052% | 4,898 |
| Noncurrent assets plus other real estate owned to assets | 0.6284% | 4,556 |
| Noncurrent loans to loans | 2.5383% | 1,698 |
| Net loans and leases to total assets | 24.3910% | 6,682 |
| Net loans and leases to deposits | 27.0905% | 6,710 |
| Net loans and leases to core deposits | 28.4963% | 6,701 |
| Total domestic deposits to total assets | 90.0351% | 975 |
| Equity capital to assets | 9.8313% | 4,132 |
| Core capital (leverage) ratio | 9.7288% | 4,063 |
| Tier 1 risk-based capital ratio | 26.7622% | 726 |
| Total risk-based capital ratio | 27.8154% | 728 |
| Memoranda: | ||
| Average total assets | $65,360,750 | 5,673 |
| Average earning assets | $59,703,500 | 5,657 |
| Average equity | $5,983,000 | 5,900 |
| Average total loans | $14,655,750 | 6,496 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1573% | 6,824 |
| Cost of funding earning assets | 0.2024% | 6,462 |
| Net interest margin | 1.9550% | 6,782 |
| Noninterest income to average assets | 0.3227% | 5,129 |
| Noninterest expense to average assets | 1.6941% | 6,501 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4183% | 5,147 |
| Return on assets (ROA) | 0.4183% | 5,301 |
| Pretax return on assets | 0.4183% | 5,595 |
| Return on Equity (ROE) | 4.6742% | 4,907 |
| Retained earnings to average equity (ytd only) | 4.6742% | 3,279 |
| Net charge-offs to loans | 0.7979% | 786 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 2.4138% | 3,717 |
| Efficiency ratio | 80.1980% | 2,124 |
| Assets per employee ($millions) | 5.2203% | 1,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4780% | 3,679 |
| Loan loss allowance to noncurrent loans | 38.9381% | 5,675 |
| Noncurrent assets plus other real estate owned to assets | 0.9019% | 3,982 |
| Noncurrent loans to loans | 3.7958% | 1,072 |
| Net loans and leases to total assets | 23.4104% | 6,734 |
| Net loans and leases to deposits | 25.8729% | 6,766 |
| Net loans and leases to core deposits | 28.3338% | 6,747 |
| Total domestic deposits to total assets | 90.4826% | 767 |
| Equity capital to assets | 9.3977% | 4,724 |
| Core capital (leverage) ratio | 8.9071% | 5,136 |
| Tier 1 risk-based capital ratio | 25.9547% | 777 |
| Total risk-based capital ratio | 26.9890% | 780 |
| Memoranda: | ||
| Average total assets | $66,936,670 | 5,659 |
| Average earning assets | $61,279,000 | 5,658 |
| Average equity | $5,990,330 | 5,940 |
| Average total loans | $14,537,670 | 6,544 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0464% | 6,922 |
| Cost of funding earning assets | 0.1995% | 6,573 |
| Net interest margin | 1.8469% | 6,882 |
| Noninterest income to average assets | 0.3358% | 5,010 |
| Noninterest expense to average assets | 1.7254% | 6,528 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2721% | 5,657 |
| Return on assets (ROA) | 0.2721% | 5,777 |
| Pretax return on assets | 0.2721% | 5,913 |
| Return on Equity (ROE) | 3.1116% | 5,542 |
| Retained earnings to average equity (ytd only) | 3.1116% | 4,408 |
| Net charge-offs to loans | 1.6430% | 312 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.7966% | 3,564 |
| Efficiency ratio | 86.3768% | 1,470 |
| Assets per employee ($millions) | 5.7618% | 1,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7683% | 2,745 |
| Loan loss allowance to noncurrent loans | 37.0119% | 5,727 |
| Noncurrent assets plus other real estate owned to assets | 0.8519% | 4,252 |
| Noncurrent loans to loans | 4.7777% | 826 |
| Net loans and leases to total assets | 17.5149% | 6,893 |
| Net loans and leases to deposits | 19.2119% | 6,911 |
| Net loans and leases to core deposits | 21.1899% | 6,901 |
| Total domestic deposits to total assets | 91.1673% | 457 |
| Equity capital to assets | 8.7401% | 5,773 |
| Core capital (leverage) ratio | 8.1637% | 5,974 |
| Tier 1 risk-based capital ratio | 26.2886% | 762 |
| Total risk-based capital ratio | 27.3482% | 764 |
| Memoranda: | ||
| Average total assets | $69,083,500 | 5,652 |
| Average earning assets | $62,157,000 | 5,673 |
| Average equity | $6,042,000 | 5,972 |
| Average total loans | $14,364,000 | 6,612 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6382% | 6,896 |
| Cost of funding earning assets | 0.2493% | 6,674 |
| Net interest margin | 2.3889% | 6,788 |
| Noninterest income to average assets | 0.3509% | 4,959 |
| Noninterest expense to average assets | 1.7035% | 6,723 |
| Loan and lease loss provision to assets | 0.1092% | 4,261 |
| Net operating income to assets | 0.7149% | 3,669 |
| Return on assets (ROA) | 0.7149% | 3,927 |
| Pretax return on assets | 0.7149% | 4,617 |
| Return on Equity (ROE) | 7.9056% | 3,128 |
| Retained earnings to average equity (ytd only) | 0.0161% | 5,826 |
| Net charge-offs to loans | -0.0127% | 6,502 |
| Credit loss provision to net charge-offs | -3,750.0000% | 6,661 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3963% | 4,251 |
| Assets per employee ($millions) | 5.7522% | 1,473 |
| Cash dividends to net income (ytd only)* | 99.7963% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6951% | 2,951 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 23.3564% | 6,871 |
| Net loans and leases to deposits | 25.6344% | 6,905 |
| Net loans and leases to core deposits | 28.0724% | 6,885 |
| Total domestic deposits to total assets | 91.1135% | 457 |
| Equity capital to assets | 8.7518% | 5,795 |
| Core capital (leverage) ratio | 8.7047% | 5,324 |
| Tier 1 risk-based capital ratio | 23.2466% | 1,070 |
| Total risk-based capital ratio | 24.4275% | 1,073 |
| Memoranda: | ||
| Average total assets | $68,681,800 | 5,662 |
| Average earning assets | $62,580,200 | 5,651 |
| Average equity | $6,210,800 | 5,967 |
| Average total loans | $15,739,600 | 6,613 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5833% | 7,029 |
| Cost of funding earning assets | 0.2617% | 6,764 |
| Net interest margin | 2.3216% | 6,936 |
| Noninterest income to average assets | 0.3674% | 4,891 |
| Noninterest expense to average assets | 1.7454% | 6,742 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7600% | 3,650 |
| Return on assets (ROA) | 0.7600% | 3,900 |
| Pretax return on assets | 0.7600% | 4,630 |
| Return on Equity (ROE) | 8.3368% | 3,114 |
| Retained earnings to average equity (ytd only) | 8.3368% | 1,471 |
| Net charge-offs to loans | -0.0257% | 6,549 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6664% | 3,755 |
| Assets per employee ($millions) | 5.5621% | 1,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0790% | 5,804 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 28.0201% | 6,876 |
| Net loans and leases to deposits | 31.0778% | 6,929 |
| Net loans and leases to core deposits | 33.9931% | 6,901 |
| Total domestic deposits to total assets | 90.1611% | 760 |
| Equity capital to assets | 9.7041% | 4,916 |
| Core capital (leverage) ratio | 9.2392% | 4,691 |
| Tier 1 risk-based capital ratio | 23.0300% | 1,169 |
| Total risk-based capital ratio | 23.8515% | 1,214 |
| Memoranda: | ||
| Average total assets | $68,595,750 | 5,723 |
| Average earning assets | $63,172,750 | 5,691 |
| Average equity | $6,253,250 | 6,020 |
| Average total loans | $15,574,500 | 6,712 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4426% | 7,136 |
| Cost of funding earning assets | 0.2776% | 6,804 |
| Net interest margin | 2.1649% | 7,058 |
| Noninterest income to average assets | 0.3930% | 4,703 |
| Noninterest expense to average assets | 1.7309% | 6,816 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6675% | 4,026 |
| Return on assets (ROA) | 0.6675% | 4,285 |
| Pretax return on assets | 0.6675% | 4,918 |
| Return on Equity (ROE) | 7.4773% | 3,535 |
| Retained earnings to average equity (ytd only) | 7.4773% | 1,886 |
| Net charge-offs to loans | -0.0277% | 6,508 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1687% | 3,405 |
| Assets per employee ($millions) | 5.5478% | 1,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1852% | 5,419 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 25.4228% | 6,995 |
| Net loans and leases to deposits | 28.1170% | 7,041 |
| Net loans and leases to core deposits | 30.7498% | 7,010 |
| Total domestic deposits to total assets | 90.4182% | 708 |
| Equity capital to assets | 9.4586% | 5,117 |
| Core capital (leverage) ratio | 9.0793% | 4,792 |
| Tier 1 risk-based capital ratio | 23.8921% | 1,026 |
| Total risk-based capital ratio | 24.7626% | 1,056 |
| Memoranda: | ||
| Average total assets | $69,212,670 | 5,751 |
| Average earning assets | $64,113,000 | 5,702 |
| Average equity | $6,178,670 | 6,068 |
| Average total loans | $14,464,000 | 6,825 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3249% | 7,209 |
| Cost of funding earning assets | 0.2998% | 6,842 |
| Net interest margin | 2.0251% | 7,157 |
| Noninterest income to average assets | 0.4424% | 4,352 |
| Noninterest expense to average assets | 1.7637% | 6,836 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5558% | 4,562 |
| Return on assets (ROA) | 0.5558% | 4,779 |
| Pretax return on assets | 0.5558% | 5,255 |
| Return on Equity (ROE) | 6.4058% | 4,089 |
| Retained earnings to average equity (ytd only) | 6.4058% | 2,739 |
| Net charge-offs to loans | -0.0609% | 6,612 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0391% | 2,782 |
| Assets per employee ($millions) | 5.7952% | 1,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5556% | 3,913 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 18.4737% | 7,165 |
| Net loans and leases to deposits | 20.2909% | 7,188 |
| Net loans and leases to core deposits | 21.9165% | 7,181 |
| Total domestic deposits to total assets | 91.0443% | 539 |
| Equity capital to assets | 8.8580% | 5,685 |
| Core capital (leverage) ratio | 8.2636% | 5,937 |
| Tier 1 risk-based capital ratio | 26.2144% | 787 |
| Total risk-based capital ratio | 27.1868% | 790 |
| Memoranda: | ||
| Average total assets | $70,532,000 | 5,752 |
| Average earning assets | $65,380,000 | 5,707 |
| Average equity | $6,119,500 | 6,116 |
| Average total loans | $13,132,000 | 6,932 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8174% | 7,220 |
| Cost of funding earning assets | 0.4817% | 6,610 |
| Net interest margin | 2.3357% | 7,131 |
| Noninterest income to average assets | 0.3478% | 5,026 |
| Noninterest expense to average assets | 1.8380% | 6,914 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6323% | 3,818 |
| Return on assets (ROA) | 0.6338% | 4,013 |
| Pretax return on assets | 0.6338% | 4,581 |
| Return on Equity (ROE) | 6.9903% | 3,410 |
| Retained earnings to average equity (ytd only) | 1.6256% | 5,050 |
| Net charge-offs to loans | -0.0452% | 7,046 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4033% | 3,160 |
| Assets per employee ($millions) | 5.1087% | 2,045 |
| Cash dividends to net income (ytd only)* | 76.7442% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5211% | 3,929 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 18.1944% | 7,228 |
| Net loans and leases to deposits | 19.9180% | 7,254 |
| Net loans and leases to core deposits | 22.0443% | 7,236 |
| Total domestic deposits to total assets | 91.3467% | 382 |
| Equity capital to assets | 8.4995% | 6,149 |
| Core capital (leverage) ratio | 7.9993% | 6,272 |
| Tier 1 risk-based capital ratio | 25.7278% | 800 |
| Total risk-based capital ratio | 26.6938% | 804 |
| Memoranda: | ||
| Average total assets | $67,847,200 | 5,813 |
| Average earning assets | $61,652,600 | 5,814 |
| Average equity | $6,151,400 | 6,114 |
| Average total loans | $15,491,600 | 6,882 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9289% | 7,274 |
| Cost of funding earning assets | 0.5197% | 6,624 |
| Net interest margin | 2.4092% | 7,174 |
| Noninterest income to average assets | 0.3506% | 5,051 |
| Noninterest expense to average assets | 1.8527% | 6,914 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6773% | 3,734 |
| Return on assets (ROA) | 0.6793% | 3,895 |
| Pretax return on assets | 0.6793% | 4,555 |
| Return on Equity (ROE) | 7.3695% | 3,351 |
| Retained earnings to average equity (ytd only) | 7.3695% | 1,787 |
| Net charge-offs to loans | -0.0498% | 7,051 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2283% | 3,330 |
| Assets per employee ($millions) | 5.4855% | 1,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4894% | 4,156 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 18.5495% | 7,302 |
| Net loans and leases to deposits | 20.4114% | 7,328 |
| Net loans and leases to core deposits | 22.8073% | 7,307 |
| Total domestic deposits to total assets | 90.8781% | 479 |
| Equity capital to assets | 8.9760% | 5,781 |
| Core capital (leverage) ratio | 8.9441% | 5,022 |
| Tier 1 risk-based capital ratio | 26.4084% | 798 |
| Total risk-based capital ratio | 27.3561% | 800 |
| Memoranda: | ||
| Average total assets | $66,928,500 | 5,877 |
| Average earning assets | $60,544,000 | 5,889 |
| Average equity | $6,169,500 | 6,158 |
| Average total loans | $16,061,000 | 6,909 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9854% | 7,340 |
| Cost of funding earning assets | 0.5661% | 6,601 |
| Net interest margin | 2.4193% | 7,224 |
| Noninterest income to average assets | 0.3697% | 4,915 |
| Noninterest expense to average assets | 1.9246% | 6,915 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6385% | 3,869 |
| Return on assets (ROA) | 0.6385% | 3,994 |
| Pretax return on assets | 0.6385% | 4,622 |
| Return on Equity (ROE) | 6.8611% | 3,507 |
| Retained earnings to average equity (ytd only) | 6.8611% | 1,943 |
| Net charge-offs to loans | -0.0472% | 7,018 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0894% | 3,166 |
| Assets per employee ($millions) | 5.0618% | 2,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2039% | 5,525 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 24.6934% | 7,302 |
| Net loans and leases to deposits | 27.3235% | 7,337 |
| Net loans and leases to core deposits | 30.6181% | 7,313 |
| Total domestic deposits to total assets | 90.3743% | 775 |
| Equity capital to assets | 9.4677% | 4,861 |
| Core capital (leverage) ratio | 8.8745% | 4,923 |
| Tier 1 risk-based capital ratio | 24.8969% | 914 |
| Total risk-based capital ratio | 25.8018% | 931 |
| Memoranda: | ||
| Average total assets | $65,467,330 | 5,973 |
| Average earning assets | $59,355,330 | 5,973 |
| Average equity | $6,092,330 | 6,209 |
| Average total loans | $16,938,670 | 6,943 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9728% | 7,404 |
| Cost of funding earning assets | 0.6122% | 6,556 |
| Net interest margin | 2.3605% | 7,275 |
| Noninterest income to average assets | 0.3982% | 4,709 |
| Noninterest expense to average assets | 1.8806% | 7,023 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6432% | 3,786 |
| Return on assets (ROA) | 0.6432% | 3,860 |
| Pretax return on assets | 0.6432% | 4,520 |
| Return on Equity (ROE) | 6.9727% | 3,395 |
| Retained earnings to average equity (ytd only) | 6.9727% | 2,159 |
| Net charge-offs to loans | -0.0466% | 6,857 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5146% | 3,423 |
| Assets per employee ($millions) | 4.7151% | 2,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3401% | 4,945 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 21.8600% | 7,407 |
| Net loans and leases to deposits | 24.1103% | 7,434 |
| Net loans and leases to core deposits | 27.3368% | 7,410 |
| Total domestic deposits to total assets | 90.6667% | 772 |
| Equity capital to assets | 9.2030% | 4,869 |
| Core capital (leverage) ratio | 8.4159% | 5,599 |
| Tier 1 risk-based capital ratio | 25.8751% | 800 |
| Total risk-based capital ratio | 26.8237% | 803 |
| Memoranda: | ||
| Average total assets | $65,299,500 | 6,017 |
| Average earning assets | $58,800,500 | 6,036 |
| Average equity | $6,023,500 | 6,242 |
| Average total loans | $17,184,500 | 6,988 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6774% | 7,319 |
| Cost of funding earning assets | 0.7893% | 6,615 |
| Net interest margin | 2.8881% | 6,912 |
| Noninterest income to average assets | 0.4040% | 4,879 |
| Noninterest expense to average assets | 2.0645% | 6,915 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.0863% | 1,736 |
| Return on assets (ROA) | 1.0863% | 1,827 |
| Pretax return on assets | 1.0863% | 2,632 |
| Return on Equity (ROE) | 11.0240% | 1,580 |
| Retained earnings to average equity (ytd only) | 1.2590% | 4,927 |
| Net charge-offs to loans | -0.0525% | 7,453 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5225% | 5,062 |
| Assets per employee ($millions) | 4.6134% | 2,681 |
| Cash dividends to net income (ytd only)* | 88.5798% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9826% | 6,449 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 30.2672% | 7,344 |
| Net loans and leases to deposits | 33.6119% | 7,400 |
| Net loans and leases to core deposits | 38.7892% | 7,327 |
| Total domestic deposits to total assets | 90.0492% | 1,070 |
| Equity capital to assets | 9.2463% | 4,761 |
| Core capital (leverage) ratio | 9.3474% | 3,933 |
| Tier 1 risk-based capital ratio | 21.5370% | 1,239 |
| Total risk-based capital ratio | 22.3334% | 1,283 |
| Memoranda: | ||
| Average total assets | $62,871,400 | 6,092 |
| Average earning assets | $59,797,000 | 6,004 |
| Average equity | $6,195,600 | 6,308 |
| Average total loans | $19,044,600 | 6,975 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6789% | 7,459 |
| Cost of funding earning assets | 0.8319% | 6,647 |
| Net interest margin | 2.8469% | 7,084 |
| Noninterest income to average assets | 0.4100% | 4,876 |
| Noninterest expense to average assets | 2.0498% | 6,960 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.0783% | 1,975 |
| Return on assets (ROA) | 1.0783% | 2,082 |
| Pretax return on assets | 1.0783% | 2,899 |
| Return on Equity (ROE) | 10.7705% | 1,857 |
| Retained earnings to average equity (ytd only) | 10.7705% | 636 |
| Net charge-offs to loans | -0.0282% | 7,398 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5290% | 4,957 |
| Assets per employee ($millions) | 4.2175% | 3,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8918% | 6,770 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 35.3866% | 7,291 |
| Net loans and leases to deposits | 40.0368% | 7,368 |
| Net loans and leases to core deposits | 47.0046% | 7,231 |
| Total domestic deposits to total assets | 88.3851% | 1,738 |
| Equity capital to assets | 11.0306% | 2,930 |
| Core capital (leverage) ratio | 10.1033% | 3,144 |
| Tier 1 risk-based capital ratio | 23.4765% | 1,005 |
| Total risk-based capital ratio | 24.2612% | 1,038 |
| Memoranda: | ||
| Average total assets | $62,442,250 | 6,174 |
| Average earning assets | $59,618,500 | 6,074 |
| Average equity | $6,251,500 | 6,378 |
| Average total loans | $18,870,000 | 7,082 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5628% | 7,588 |
| Cost of funding earning assets | 0.8577% | 6,734 |
| Net interest margin | 2.7051% | 7,250 |
| Noninterest income to average assets | 0.4216% | 4,740 |
| Noninterest expense to average assets | 2.0291% | 7,057 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9721% | 2,293 |
| Return on assets (ROA) | 0.9721% | 2,371 |
| Pretax return on assets | 0.9721% | 3,229 |
| Return on Equity (ROE) | 10.0254% | 2,099 |
| Retained earnings to average equity (ytd only) | 10.0254% | 839 |
| Net charge-offs to loans | -0.0331% | 7,371 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6101% | 4,653 |
| Assets per employee ($millions) | 4.3855% | 3,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9800% | 6,484 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 30.7735% | 7,513 |
| Net loans and leases to deposits | 34.4084% | 7,570 |
| Net loans and leases to core deposits | 40.2557% | 7,485 |
| Total domestic deposits to total assets | 89.4360% | 1,208 |
| Equity capital to assets | 10.3344% | 3,605 |
| Core capital (leverage) ratio | 9.5106% | 3,809 |
| Tier 1 risk-based capital ratio | 23.7243% | 970 |
| Total risk-based capital ratio | 24.5395% | 1,004 |
| Memoranda: | ||
| Average total assets | $63,574,670 | 6,190 |
| Average earning assets | $60,627,000 | 6,077 |
| Average equity | $6,164,330 | 6,418 |
| Average total loans | $18,132,670 | 7,168 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4874% | 7,708 |
| Cost of funding earning assets | 0.8832% | 6,834 |
| Net interest margin | 2.6042% | 7,389 |
| Noninterest income to average assets | 0.4516% | 4,452 |
| Noninterest expense to average assets | 1.9362% | 7,273 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9959% | 2,204 |
| Return on assets (ROA) | 0.9959% | 2,272 |
| Pretax return on assets | 0.9959% | 3,108 |
| Return on Equity (ROE) | 10.6026% | 1,909 |
| Retained earnings to average equity (ytd only) | 10.6026% | 1,013 |
| Net charge-offs to loans | 0.1133% | 4,304 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 32.2000% | 830 |
| Efficiency ratio | 66.0338% | 5,108 |
| Assets per employee ($millions) | 4.5141% | 2,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1018% | 5,996 |
| Loan loss allowance to noncurrent loans | 1,627.2727% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.0174% | 7,454 |
| Noncurrent loans to loans | 0.0677% | 7,227 |
| Net loans and leases to total assets | 25.4237% | 7,713 |
| Net loans and leases to deposits | 28.2343% | 7,751 |
| Net loans and leases to core deposits | 33.1723% | 7,700 |
| Total domestic deposits to total assets | 90.0454% | 964 |
| Equity capital to assets | 9.7520% | 4,171 |
| Core capital (leverage) ratio | 8.6159% | 5,184 |
| Tier 1 risk-based capital ratio | 24.7383% | 893 |
| Total risk-based capital ratio | 25.5758% | 910 |
| Memoranda: | ||
| Average total assets | $64,663,500 | 6,219 |
| Average earning assets | $61,593,000 | 6,102 |
| Average equity | $6,074,000 | 6,492 |
| Average total loans | $17,658,500 | 7,276 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2130% | 7,597 |
| Cost of funding earning assets | 1.1729% | 6,756 |
| Net interest margin | 3.0401% | 6,544 |
| Noninterest income to average assets | 0.4281% | 4,984 |
| Noninterest expense to average assets | 2.1229% | 7,138 |
| Loan and lease loss provision to assets | -0.0269% | 7,967 |
| Net operating income to assets | 1.2226% | 1,192 |
| Return on assets (ROA) | 1.2984% | 1,085 |
| Pretax return on assets | 1.2984% | 1,700 |
| Return on Equity (ROE) | 13.6359% | 847 |
| Retained earnings to average equity (ytd only) | 0.1161% | 4,835 |
| Net charge-offs to loans | -0.0165% | 7,776 |
| Credit loss provision to net charge-offs | 566.6667% | 528 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9695% | 5,785 |
| Assets per employee ($millions) | 4.7236% | 2,583 |
| Cash dividends to net income (ytd only)* | 99.1484% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9648% | 6,557 |
| Loan loss allowance to noncurrent loans | 681.4815% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.0408% | 7,410 |
| Noncurrent loans to loans | 0.1416% | 7,075 |
| Net loans and leases to total assets | 28.5604% | 7,740 |
| Net loans and leases to deposits | 31.5140% | 7,792 |
| Net loans and leases to core deposits | 49.9564% | 7,589 |
| Total domestic deposits to total assets | 90.6276% | 684 |
| Equity capital to assets | 9.0504% | 5,061 |
| Core capital (leverage) ratio | 8.7314% | 4,871 |
| Tier 1 risk-based capital ratio | 21.5847% | 1,207 |
| Total risk-based capital ratio | 22.3556% | 1,245 |
| Memoranda: | ||
| Average total assets | $63,310,200 | 6,224 |
| Average earning assets | $60,194,600 | 6,117 |
| Average equity | $6,028,200 | 6,594 |
| Average total loans | $18,178,800 | 7,303 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3268% | 7,655 |
| Cost of funding earning assets | 1.2471% | 6,740 |
| Net interest margin | 3.0797% | 6,365 |
| Noninterest income to average assets | 0.4387% | 4,970 |
| Noninterest expense to average assets | 2.1553% | 7,092 |
| Loan and lease loss provision to assets | -0.0362% | 8,051 |
| Net operating income to assets | 1.2544% | 1,333 |
| Return on assets (ROA) | 1.3566% | 1,170 |
| Pretax return on assets | 1.3566% | 1,810 |
| Return on Equity (ROE) | 14.0638% | 917 |
| Retained earnings to average equity (ytd only) | 5.7844% | 2,053 |
| Net charge-offs to loans | -0.0074% | 7,655 |
| Credit loss provision to net charge-offs | 1,700.0000% | 229 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8889% | 5,780 |
| Assets per employee ($millions) | 4.1217% | 3,524 |
| Cash dividends to net income (ytd only)* | 58.8701% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9327% | 6,627 |
| Loan loss allowance to noncurrent loans | 356.8627% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.0825% | 7,344 |
| Noncurrent loans to loans | 0.2614% | 6,856 |
| Net loans and leases to total assets | 31.2689% | 7,774 |
| Net loans and leases to deposits | 34.9388% | 7,845 |
| Net loans and leases to core deposits | 58.5729% | 7,446 |
| Total domestic deposits to total assets | 89.4962% | 963 |
| Equity capital to assets | 10.1690% | 3,883 |
| Core capital (leverage) ratio | 9.4379% | 3,994 |
| Tier 1 risk-based capital ratio | 23.1760% | 1,086 |
| Total risk-based capital ratio | 23.9600% | 1,119 |
| Memoranda: | ||
| Average total assets | $62,605,250 | 6,291 |
| Average earning assets | $59,657,250 | 6,182 |
| Average equity | $6,039,000 | 6,651 |
| Average total loans | $17,955,750 | 7,382 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3806% | 7,724 |
| Cost of funding earning assets | 1.3085% | 6,776 |
| Net interest margin | 3.0721% | 6,328 |
| Noninterest income to average assets | 0.4486% | 4,858 |
| Noninterest expense to average assets | 2.1315% | 7,208 |
| Loan and lease loss provision to assets | -0.0541% | 8,156 |
| Net operating income to assets | 1.2916% | 1,247 |
| Return on assets (ROA) | 1.4444% | 999 |
| Pretax return on assets | 1.4444% | 1,605 |
| Return on Equity (ROE) | 15.2443% | 793 |
| Retained earnings to average equity (ytd only) | 2.6526% | 3,852 |
| Net charge-offs to loans | -0.0115% | 7,623 |
| Credit loss provision to net charge-offs | 1,700.0000% | 307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2672% | 6,044 |
| Assets per employee ($millions) | 4.1313% | 3,434 |
| Cash dividends to net income (ytd only)* | 82.5991% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9661% | 6,466 |
| Loan loss allowance to noncurrent loans | 356.8627% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.0823% | 7,378 |
| Noncurrent loans to loans | 0.2707% | 6,850 |
| Net loans and leases to total assets | 30.1054% | 7,883 |
| Net loans and leases to deposits | 33.4643% | 7,947 |
| Net loans and leases to core deposits | 55.1838% | 7,626 |
| Total domestic deposits to total assets | 89.9627% | 851 |
| Equity capital to assets | 9.6338% | 4,452 |
| Core capital (leverage) ratio | 9.0181% | 4,593 |
| Tier 1 risk-based capital ratio | 23.0238% | 1,128 |
| Total risk-based capital ratio | 23.8276% | 1,145 |
| Memoranda: | ||
| Average total assets | $62,865,330 | 6,336 |
| Average earning assets | $59,763,330 | 6,234 |
| Average equity | $5,956,330 | 6,735 |
| Average total loans | $17,436,330 | 7,464 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5130% | 7,705 |
| Cost of funding earning assets | 1.3907% | 6,768 |
| Net interest margin | 3.1223% | 6,135 |
| Noninterest income to average assets | 0.4675% | 4,613 |
| Noninterest expense to average assets | 1.9459% | 7,456 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4720% | 994 |
| Return on assets (ROA) | 1.4720% | 1,070 |
| Pretax return on assets | 1.4720% | 1,749 |
| Return on Equity (ROE) | 15.6652% | 873 |
| Retained earnings to average equity (ytd only) | -9.5470% | 7,063 |
| Net charge-offs to loans | -0.0239% | 7,483 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9316% | 6,843 |
| Assets per employee ($millions) | 4.2543% | 3,160 |
| Cash dividends to net income (ytd only)* | 160.9442% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2804% | 4,196 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 24.0433% | 8,035 |
| Net loans and leases to deposits | 26.5859% | 8,080 |
| Net loans and leases to core deposits | 41.7769% | 7,951 |
| Total domestic deposits to total assets | 90.4363% | 621 |
| Equity capital to assets | 9.2911% | 4,948 |
| Core capital (leverage) ratio | 8.3037% | 5,896 |
| Tier 1 risk-based capital ratio | 23.9718% | 1,088 |
| Total risk-based capital ratio | 24.8425% | 1,106 |
| Memoranda: | ||
| Average total assets | $63,313,500 | 6,348 |
| Average earning assets | $59,827,500 | 6,268 |
| Average equity | $5,949,500 | 6,784 |
| Average total loans | $16,735,500 | 7,546 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1190% | 7,755 |
| Cost of funding earning assets | 1.8423% | 6,890 |
| Net interest margin | 3.2767% | 6,115 |
| Noninterest income to average assets | 0.4733% | 4,849 |
| Noninterest expense to average assets | 1.9986% | 7,447 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.5910% | 847 |
| Return on assets (ROA) | 1.5910% | 811 |
| Pretax return on assets | 1.5910% | 1,410 |
| Return on Equity (ROE) | 16.6810% | 674 |
| Retained earnings to average equity (ytd only) | 0.1379% | 5,145 |
| Net charge-offs to loans | -0.1376% | 8,128 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6777% | 7,057 |
| Assets per employee ($millions) | 4.1875% | 3,145 |
| Cash dividends to net income (ytd only)* | 99.1736% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1044% | 5,244 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 28.2282% | 8,030 |
| Net loans and leases to deposits | 31.4480% | 8,101 |
| Net loans and leases to core deposits | 48.2030% | 7,925 |
| Total domestic deposits to total assets | 89.7617% | 737 |
| Equity capital to assets | 9.5044% | 4,687 |
| Core capital (leverage) ratio | 9.2559% | 4,361 |
| Tier 1 risk-based capital ratio | 23.0039% | 1,191 |
| Total risk-based capital ratio | 23.8142% | 1,217 |
| Memoranda: | ||
| Average total assets | $60,843,800 | 6,356 |
| Average earning assets | $57,862,800 | 6,266 |
| Average equity | $5,803,000 | 6,879 |
| Average total loans | $15,982,800 | 7,592 |