Home > Twin City Bank > Performance and Condition Ratios
Twin City Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6026% | 2,886 |
| Cost of funding earning assets | 0.2827% | 4,387 |
| Net interest margin | 4.3199% | 785 |
| Noninterest income to average assets | 0.8900% | 777 |
| Noninterest expense to average assets | 4.0245% | 362 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6481% | 3,313 |
| Return on assets (ROA) | 0.6481% | 3,295 |
| Pretax return on assets | 0.8101% | 3,189 |
| Return on Equity (ROE) | 9.9000% | 2,526 |
| Retained earnings to average equity (ytd only) | 9.8989% | 1,040 |
| Net charge-offs to loans | -0.0022% | 3,695 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 82.8888% | 730 |
| Assets per employee ($millions) | 5.1342% | 3,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1432% | 2,589 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 64.4800% | 2,420 |
| Net loans and leases to deposits | 71.9843% | 2,752 |
| Net loans and leases to core deposits | 84.1534% | 2,440 |
| Total domestic deposits to total assets | 89.5800% | 884 |
| Equity capital to assets | 7.4695% | 3,737 |
| Core capital (leverage) ratio | 10.3310% | 2,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $72,829,800 | 4,090 |
| Average earning assets | $66,505,800 | 4,075 |
| Average equity | $4,768,200 | 4,279 |
| Average total loans | $45,731,400 | 3,904 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5152% | 2,877 |
| Cost of funding earning assets | 0.2762% | 4,385 |
| Net interest margin | 4.2390% | 875 |
| Noninterest income to average assets | 0.8600% | 834 |
| Noninterest expense to average assets | 3.9489% | 371 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.6168% | 3,501 |
| Return on assets (ROA) | 0.6168% | 3,497 |
| Pretax return on assets | 0.7719% | 3,395 |
| Return on Equity (ROE) | 9.7600% | 2,712 |
| Retained earnings to average equity (ytd only) | 9.7629% | 1,469 |
| Net charge-offs to loans | -0.0029% | 3,643 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 83.2432% | 659 |
| Assets per employee ($millions) | 4.6954% | 3,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1520% | 2,608 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 61.2200% | 2,728 |
| Net loans and leases to deposits | 65.8265% | 3,144 |
| Net loans and leases to core deposits | 74.6918% | 2,949 |
| Total domestic deposits to total assets | 93.0000% | 301 |
| Equity capital to assets | 6.0152% | 3,983 |
| Core capital (leverage) ratio | 9.9274% | 2,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $73,065,500 | 4,105 |
| Average earning assets | $66,618,250 | 4,093 |
| Average equity | $4,616,000 | 4,305 |
| Average total loans | $45,442,750 | 3,916 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4093% | 2,868 |
| Cost of funding earning assets | 0.2818% | 4,340 |
| Net interest margin | 4.1275% | 1,043 |
| Noninterest income to average assets | 0.8800% | 722 |
| Noninterest expense to average assets | 3.9459% | 355 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5554% | 3,689 |
| Return on assets (ROA) | 0.5554% | 3,694 |
| Pretax return on assets | 0.6936% | 3,615 |
| Return on Equity (ROE) | 8.6500% | 3,075 |
| Retained earnings to average equity (ytd only) | 8.6483% | 1,778 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 84.7528% | 553 |
| Assets per employee ($millions) | 4.4758% | 3,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1403% | 2,752 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 64.5200% | 2,335 |
| Net loans and leases to deposits | 69.8175% | 2,801 |
| Net loans and leases to core deposits | 79.8024% | 2,482 |
| Total domestic deposits to total assets | 92.4200% | 337 |
| Equity capital to assets | 6.6273% | 3,934 |
| Core capital (leverage) ratio | 10.0127% | 2,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $72,378,667 | 4,125 |
| Average earning assets | $65,997,000 | 4,117 |
| Average equity | $4,648,333 | 4,330 |
| Average total loans | $45,080,667 | 3,937 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2713% | 2,874 |
| Cost of funding earning assets | 0.1694% | 4,424 |
| Net interest margin | 4.1019% | 1,092 |
| Noninterest income to average assets | 0.8800% | 711 |
| Noninterest expense to average assets | 3.9142% | 376 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5552% | 3,786 |
| Return on assets (ROA) | 0.5552% | 3,751 |
| Pretax return on assets | 0.6927% | 3,679 |
| Return on Equity (ROE) | 8.7800% | 3,110 |
| Retained earnings to average equity (ytd only) | 8.7836% | 2,008 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 84.6062% | 563 |
| Assets per employee ($millions) | 4.4347% | 4,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1973% | 2,570 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 61.8700% | 2,476 |
| Net loans and leases to deposits | 67.1403% | 2,838 |
| Net loans and leases to core deposits | 75.8719% | 2,542 |
| Total domestic deposits to total assets | 92.1500% | 484 |
| Equity capital to assets | 6.7649% | 3,932 |
| Core capital (leverage) ratio | 9.8439% | 2,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $72,761,500 | 4,176 |
| Average earning assets | $66,115,500 | 4,169 |
| Average equity | $4,599,500 | 4,393 |
| Average total loans | $44,250,500 | 3,996 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8331% | 2,187 |
| Cost of funding earning assets | 0.1590% | 4,064 |
| Net interest margin | 3.6741% | 1,441 |
| Noninterest income to average assets | 0.8400% | 914 |
| Noninterest expense to average assets | 3.7161% | 412 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4336% | 4,201 |
| Return on assets (ROA) | 0.4336% | 4,164 |
| Pretax return on assets | 0.5400% | 4,114 |
| Return on Equity (ROE) | 6.4200% | 3,741 |
| Retained earnings to average equity (ytd only) | 6.3199% | 2,527 |
| Net charge-offs to loans | 0.0023% | 2,442 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 406.0000% | 380 |
| Efficiency ratio | 87.0000% | 388 |
| Assets per employee ($millions) | 4.9712% | 3,707 |
| Cash dividends to net income (ytd only)* | 1.5337% | 3,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1913% | 2,434 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 58.3900% | 2,785 |
| Net loans and leases to deposits | 62.6987% | 3,137 |
| Net loans and leases to core deposits | 71.7371% | 2,745 |
| Total domestic deposits to total assets | 93.1300% | 375 |
| Equity capital to assets | 5.8993% | 4,131 |
| Core capital (leverage) ratio | 9.1979% | 3,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6274% | 1,034 |
| Memoranda: | ||
| Average total assets | $75,185,400 | 4,182 |
| Average earning assets | $69,813,200 | 4,161 |
| Average equity | $5,079,200 | 4,420 |
| Average total loans | $43,802,000 | 3,995 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6690% | 2,135 |
| Cost of funding earning assets | 0.1480% | 3,864 |
| Net interest margin | 3.5210% | 1,608 |
| Noninterest income to average assets | 0.8400% | 949 |
| Noninterest expense to average assets | 3.6704% | 415 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3628% | 4,300 |
| Return on assets (ROA) | 0.3628% | 4,248 |
| Pretax return on assets | 0.4513% | 4,208 |
| Return on Equity (ROE) | 5.2100% | 3,940 |
| Retained earnings to average equity (ytd only) | 5.0800% | 3,070 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 88.7076% | 363 |
| Assets per employee ($millions) | 5.2092% | 3,496 |
| Cash dividends to net income (ytd only)* | 2.4390% | 3,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2013% | 2,516 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 55.3600% | 2,964 |
| Net loans and leases to deposits | 58.6550% | 3,298 |
| Net loans and leases to core deposits | 66.6117% | 2,909 |
| Total domestic deposits to total assets | 94.3900% | 307 |
| Equity capital to assets | 5.2586% | 4,203 |
| Core capital (leverage) ratio | 8.6978% | 3,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2209% | 1,137 |
| Memoranda: | ||
| Average total assets | $75,339,750 | 4,213 |
| Average earning assets | $70,281,000 | 4,189 |
| Average equity | $5,249,250 | 4,445 |
| Average total loans | $43,735,500 | 4,024 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5653% | 1,946 |
| Cost of funding earning assets | 0.1463% | 3,623 |
| Net interest margin | 3.4190% | 1,540 |
| Noninterest income to average assets | 0.8144% | 1,012 |
| Noninterest expense to average assets | 3.6421% | 378 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3037% | 4,280 |
| Return on assets (ROA) | 0.3037% | 4,229 |
| Pretax return on assets | 0.3763% | 4,196 |
| Return on Equity (ROE) | 4.0147% | 4,032 |
| Retained earnings to average equity (ytd only) | 3.8370% | 3,148 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3010% | 391 |
| Assets per employee ($millions) | 4.7349% | 3,902 |
| Cash dividends to net income (ytd only)* | 4.4248% | 2,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1748% | 2,821 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 58.4070% | 2,484 |
| Net loans and leases to deposits | 62.7658% | 2,829 |
| Net loans and leases to core deposits | 70.5822% | 2,440 |
| Total domestic deposits to total assets | 93.0555% | 501 |
| Equity capital to assets | 6.5815% | 3,981 |
| Core capital (leverage) ratio | 8.9331% | 3,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,407,000 | 4,268 |
| Average earning assets | $69,727,667 | 4,250 |
| Average equity | $5,629,333 | 4,452 |
| Average total loans | $43,718,333 | 4,075 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5521% | 1,639 |
| Cost of funding earning assets | 0.1499% | 3,507 |
| Net interest margin | 3.4021% | 1,292 |
| Noninterest income to average assets | 0.7812% | 1,087 |
| Noninterest expense to average assets | 3.6131% | 384 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2984% | 4,147 |
| Return on assets (ROA) | 0.2984% | 4,119 |
| Pretax return on assets | 0.3689% | 4,087 |
| Return on Equity (ROE) | 3.6969% | 3,953 |
| Retained earnings to average equity (ytd only) | 3.3608% | 3,154 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3270% | 532 |
| Assets per employee ($millions) | 5.0299% | 3,729 |
| Cash dividends to net income (ytd only)* | 9.0909% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1999% | 2,863 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 57.4051% | 2,366 |
| Net loans and leases to deposits | 62.0964% | 2,709 |
| Net loans and leases to core deposits | 67.6629% | 2,481 |
| Total domestic deposits to total assets | 92.4451% | 421 |
| Equity capital to assets | 7.2195% | 4,092 |
| Core capital (leverage) ratio | 9.1579% | 3,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,731,500 | 4,300 |
| Average earning assets | $69,368,000 | 4,276 |
| Average equity | $5,951,000 | 4,469 |
| Average total loans | $43,190,500 | 4,100 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5642% | 2,477 |
| Cost of funding earning assets | 0.1501% | 3,976 |
| Net interest margin | 3.4141% | 1,980 |
| Noninterest income to average assets | 0.7511% | 1,592 |
| Noninterest expense to average assets | 3.2067% | 719 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6132% | 3,842 |
| Return on assets (ROA) | 0.6132% | 3,890 |
| Pretax return on assets | 0.7678% | 3,793 |
| Return on Equity (ROE) | 7.1791% | 3,467 |
| Retained earnings to average equity (ytd only) | 3.0315% | 3,620 |
| Net charge-offs to loans | 0.0882% | 931 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 13.5455% | 2,071 |
| Efficiency ratio | 80.3566% | 785 |
| Assets per employee ($millions) | 4.8010% | 3,886 |
| Cash dividends to net income (ytd only)* | 57.7731% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2364% | 2,699 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 58.3462% | 2,334 |
| Net loans and leases to deposits | 64.4398% | 2,650 |
| Net loans and leases to core deposits | 70.6149% | 2,392 |
| Total domestic deposits to total assets | 90.5436% | 691 |
| Equity capital to assets | 8.9634% | 3,656 |
| Core capital (leverage) ratio | 8.4336% | 3,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,619,400 | 4,251 |
| Average earning assets | $73,284,600 | 4,211 |
| Average equity | $6,630,400 | 4,467 |
| Average total loans | $49,867,400 | 3,997 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5411% | 2,716 |
| Cost of funding earning assets | 0.1483% | 4,123 |
| Net interest margin | 3.3928% | 2,177 |
| Noninterest income to average assets | 0.7357% | 1,709 |
| Noninterest expense to average assets | 3.0979% | 823 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6715% | 3,838 |
| Return on assets (ROA) | 0.6715% | 3,895 |
| Pretax return on assets | 0.8420% | 3,814 |
| Return on Equity (ROE) | 7.9508% | 3,415 |
| Retained earnings to average equity (ytd only) | 6.9120% | 2,455 |
| Net charge-offs to loans | 0.1135% | 675 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 11.3409% | 2,001 |
| Efficiency ratio | 78.2869% | 853 |
| Assets per employee ($millions) | 5.5896% | 3,104 |
| Cash dividends to net income (ytd only)* | 13.0653% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2223% | 2,883 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 54.3193% | 2,936 |
| Net loans and leases to deposits | 59.7134% | 3,259 |
| Net loans and leases to core deposits | 64.9974% | 3,046 |
| Total domestic deposits to total assets | 90.9666% | 379 |
| Equity capital to assets | 8.5964% | 4,132 |
| Core capital (leverage) ratio | 8.6255% | 3,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,020,500 | 4,283 |
| Average earning assets | $74,627,000 | 4,252 |
| Average equity | $6,674,250 | 4,527 |
| Average total loans | $51,698,250 | 4,014 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7181% | 2,286 |
| Cost of funding earning assets | 0.1499% | 4,206 |
| Net interest margin | 3.5682% | 1,664 |
| Noninterest income to average assets | 0.7241% | 1,735 |
| Noninterest expense to average assets | 3.0375% | 922 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8351% | 3,406 |
| Return on assets (ROA) | 0.8351% | 3,481 |
| Pretax return on assets | 1.0495% | 3,335 |
| Return on Equity (ROE) | 9.9449% | 2,761 |
| Retained earnings to average equity (ytd only) | 8.3826% | 1,947 |
| Net charge-offs to loans | 0.1612% | 519 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 9.4545% | 1,832 |
| Efficiency ratio | 74.0123% | 1,244 |
| Assets per employee ($millions) | 5.7725% | 2,829 |
| Cash dividends to net income (ytd only)* | 15.7100% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0507% | 3,620 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 61.2943% | 2,265 |
| Net loans and leases to deposits | 67.1980% | 2,699 |
| Net loans and leases to core deposits | 72.9207% | 2,527 |
| Total domestic deposits to total assets | 91.2145% | 302 |
| Equity capital to assets | 8.3710% | 4,305 |
| Core capital (leverage) ratio | 8.3884% | 4,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,276,000 | 4,302 |
| Average earning assets | $74,715,667 | 4,279 |
| Average equity | $6,656,667 | 4,553 |
| Average total loans | $54,586,667 | 3,996 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5169% | 757 |
| Cost of funding earning assets | 0.1520% | 4,291 |
| Net interest margin | 4.3649% | 457 |
| Noninterest income to average assets | 0.7133% | 1,835 |
| Noninterest expense to average assets | 3.0469% | 917 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4012% | 1,572 |
| Return on assets (ROA) | 1.4012% | 1,648 |
| Pretax return on assets | 1.7629% | 1,372 |
| Return on Equity (ROE) | 16.6604% | 899 |
| Retained earnings to average equity (ytd only) | 13.5100% | 815 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0297% | 2,603 |
| Assets per employee ($millions) | 5.7982% | 2,801 |
| Cash dividends to net income (ytd only)* | 18.9091% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0300% | 3,724 |
| Loan loss allowance to noncurrent loans | 146.1538% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 0.4804% | 1,953 |
| Noncurrent loans to loans | 0.7047% | 1,830 |
| Net loans and leases to total assets | 67.4727% | 1,600 |
| Net loans and leases to deposits | 74.0689% | 2,111 |
| Net loans and leases to core deposits | 76.9656% | 2,269 |
| Total domestic deposits to total assets | 91.0945% | 370 |
| Equity capital to assets | 8.2698% | 4,310 |
| Core capital (leverage) ratio | 9.1174% | 3,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $78,506,500 | 4,324 |
| Average earning assets | $73,679,000 | 4,304 |
| Average equity | $6,602,500 | 4,572 |
| Average total loans | $56,849,500 | 3,973 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1036% | 407 |
| Cost of funding earning assets | 0.2078% | 4,556 |
| Net interest margin | 4.8958% | 146 |
| Noninterest income to average assets | 0.8010% | 1,525 |
| Noninterest expense to average assets | 3.7928% | 463 |
| Loan and lease loss provision to assets | 0.0915% | 3,211 |
| Net operating income to assets | 1.1839% | 1,601 |
| Return on assets (ROA) | 1.1839% | 1,714 |
| Pretax return on assets | 1.4814% | 1,406 |
| Return on Equity (ROE) | 12.4267% | 1,198 |
| Retained earnings to average equity (ytd only) | 10.5851% | 483 |
| Net charge-offs to loans | 0.0019% | 3,341 |
| Credit loss provision to net charge-offs | 6,000.0000% | 181 |
| Earnings coverage of net charge-offs (x) | 1,031.0000% | 113 |
| Efficiency ratio | 70.4009% | 1,895 |
| Assets per employee ($millions) | 5.0559% | 3,333 |
| Cash dividends to net income (ytd only)* | 14.8196% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9767% | 3,954 |
| Loan loss allowance to noncurrent loans | 146.1538% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 0.5143% | 2,015 |
| Noncurrent loans to loans | 0.6683% | 2,013 |
| Net loans and leases to total assets | 76.1993% | 766 |
| Net loans and leases to deposits | 83.8382% | 1,477 |
| Net loans and leases to core deposits | 91.2159% | 1,444 |
| Total domestic deposits to total assets | 90.8885% | 250 |
| Equity capital to assets | 8.5604% | 4,405 |
| Core capital (leverage) ratio | 9.1167% | 3,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,544,400 | 4,436 |
| Average earning assets | $61,113,600 | 4,429 |
| Average equity | $6,244,600 | 4,614 |
| Average total loans | $53,771,600 | 4,030 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6889% | 156 |
| Cost of funding earning assets | 0.2213% | 4,602 |
| Net interest margin | 5.4676% | 80 |
| Noninterest income to average assets | 0.8152% | 1,434 |
| Noninterest expense to average assets | 3.8578% | 430 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.6134% | 700 |
| Return on assets (ROA) | 1.6134% | 771 |
| Pretax return on assets | 2.0326% | 485 |
| Return on Equity (ROE) | 16.4324% | 500 |
| Retained earnings to average equity (ytd only) | 13.9524% | 255 |
| Net charge-offs to loans | -0.0025% | 3,916 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2049% | 2,555 |
| Assets per employee ($millions) | 4.6203% | 3,698 |
| Cash dividends to net income (ytd only)* | 15.0919% | 2,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8727% | 4,150 |
| Loan loss allowance to noncurrent loans | 131.2821% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 0.5627% | 2,037 |
| Noncurrent loans to loans | 0.6647% | 2,124 |
| Net loans and leases to total assets | 83.9160% | 286 |
| Net loans and leases to deposits | 93.2393% | 987 |
| Net loans and leases to core deposits | 102.3818% | 1,006 |
| Total domestic deposits to total assets | 90.0007% | 426 |
| Equity capital to assets | 9.3514% | 3,818 |
| Core capital (leverage) ratio | 9.0968% | 3,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,971,000 | 4,485 |
| Average earning assets | $58,452,000 | 4,474 |
| Average equity | $6,182,750 | 4,646 |
| Average total loans | $52,625,000 | 4,075 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4950% | 88 |
| Cost of funding earning assets | 0.2402% | 4,653 |
| Net interest margin | 6.2549% | 53 |
| Noninterest income to average assets | 0.8248% | 1,361 |
| Noninterest expense to average assets | 3.9336% | 440 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.1492% | 239 |
| Return on assets (ROA) | 2.1492% | 263 |
| Pretax return on assets | 2.7112% | 153 |
| Return on Equity (ROE) | 21.5014% | 184 |
| Retained earnings to average equity (ytd only) | 21.5014% | 77 |
| Net charge-offs to loans | -0.0040% | 3,943 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9515% | 3,562 |
| Assets per employee ($millions) | 4.9477% | 3,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8614% | 4,152 |
| Loan loss allowance to noncurrent loans | 116.8950% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 0.5902% | 2,043 |
| Noncurrent loans to loans | 0.7369% | 2,034 |
| Net loans and leases to total assets | 79.4020% | 673 |
| Net loans and leases to deposits | 87.4863% | 1,614 |
| Net loans and leases to core deposits | 94.9778% | 1,660 |
| Total domestic deposits to total assets | 90.7594% | 210 |
| Equity capital to assets | 8.7461% | 4,317 |
| Core capital (leverage) ratio | 9.4144% | 3,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $60,859,667 | 4,528 |
| Average earning assets | $56,628,000 | 4,518 |
| Average equity | $6,083,333 | 4,679 |
| Average total loans | $50,610,000 | 4,129 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2977% | 553 |
| Cost of funding earning assets | 0.2705% | 4,732 |
| Net interest margin | 5.0273% | 181 |
| Noninterest income to average assets | 0.9154% | 1,040 |
| Noninterest expense to average assets | 4.6363% | 271 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7530% | 3,084 |
| Return on assets (ROA) | 0.7530% | 3,162 |
| Pretax return on assets | 0.9450% | 3,014 |
| Return on Equity (ROE) | 6.9394% | 2,975 |
| Retained earnings to average equity (ytd only) | 6.9394% | 1,561 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6720% | 921 |
| Assets per employee ($millions) | 3.7553% | 4,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0919% | 3,248 |
| Loan loss allowance to noncurrent loans | 116.3636% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 0.7811% | 1,737 |
| Noncurrent loans to loans | 0.9384% | 1,755 |
| Net loans and leases to total assets | 82.3309% | 410 |
| Net loans and leases to deposits | 92.5910% | 1,219 |
| Net loans and leases to core deposits | 101.8961% | 1,330 |
| Total domestic deposits to total assets | 88.9189% | 700 |
| Equity capital to assets | 10.5308% | 3,290 |
| Core capital (leverage) ratio | 10.6209% | 2,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6025% | 1,716 |
| Memoranda: | ||
| Average total assets | $54,181,500 | 4,638 |
| Average earning assets | $50,285,500 | 4,635 |
| Average equity | $5,879,500 | 4,738 |
| Average total loans | $46,194,500 | 4,227 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4614% | 603 |
| Cost of funding earning assets | 0.2348% | 4,888 |
| Net interest margin | 5.2266% | 182 |
| Noninterest income to average assets | 0.8535% | 1,291 |
| Noninterest expense to average assets | 4.5085% | 305 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.9646% | 2,972 |
| Return on assets (ROA) | 0.9646% | 3,053 |
| Pretax return on assets | 1.2096% | 2,808 |
| Return on Equity (ROE) | 9.2047% | 2,654 |
| Retained earnings to average equity (ytd only) | 8.3058% | 886 |
| Net charge-offs to loans | 0.0044% | 3,521 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 321.0000% | 270 |
| Efficiency ratio | 78.5173% | 1,093 |
| Assets per employee ($millions) | 3.4689% | 4,505 |
| Cash dividends to net income (ytd only)* | 9.7656% | 3,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1231% | 2,824 |
| Loan loss allowance to noncurrent loans | 116.6667% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 0.8418% | 1,526 |
| Noncurrent loans to loans | 0.9626% | 1,589 |
| Net loans and leases to total assets | 86.4624% | 142 |
| Net loans and leases to deposits | 100.1558% | 598 |
| Net loans and leases to core deposits | 109.6544% | 874 |
| Total domestic deposits to total assets | 86.3279% | 1,922 |
| Equity capital to assets | 11.1987% | 2,819 |
| Core capital (leverage) ratio | 10.5305% | 2,923 |
| Tier 1 risk-based capital ratio | 14.5113% | 3,009 |
| Total risk-based capital ratio | 15.7627% | 2,913 |
| Memoranda: | ||
| Average total assets | $53,077,400 | 4,697 |
| Average earning assets | $49,401,400 | 4,682 |
| Average equity | $5,562,400 | 4,820 |
| Average total loans | $45,039,800 | 4,279 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2901% | 884 |
| Cost of funding earning assets | 0.2386% | 4,953 |
| Net interest margin | 5.0515% | 259 |
| Noninterest income to average assets | 0.8324% | 1,323 |
| Noninterest expense to average assets | 4.4770% | 306 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8499% | 3,519 |
| Return on assets (ROA) | 0.8499% | 3,600 |
| Pretax return on assets | 1.0649% | 3,396 |
| Return on Equity (ROE) | 8.2478% | 3,215 |
| Retained earnings to average equity (ytd only) | 7.0350% | 1,845 |
| Net charge-offs to loans | 0.0059% | 3,175 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 212.7303% | 423 |
| Efficiency ratio | 80.4240% | 886 |
| Assets per employee ($millions) | 4.1050% | 3,752 |
| Cash dividends to net income (ytd only)* | 14.7071% | 3,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1019% | 3,020 |
| Loan loss allowance to noncurrent loans | 116.6667% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 0.7621% | 1,803 |
| Noncurrent loans to loans | 0.9445% | 1,703 |
| Net loans and leases to total assets | 79.8034% | 872 |
| Net loans and leases to deposits | 89.0423% | 1,807 |
| Net loans and leases to core deposits | 98.9771% | 1,747 |
| Total domestic deposits to total assets | 89.6242% | 403 |
| Equity capital to assets | 9.8364% | 4,176 |
| Core capital (leverage) ratio | 9.9878% | 3,652 |
| Tier 1 risk-based capital ratio | 13.8932% | 3,381 |
| Total risk-based capital ratio | 15.1440% | 3,289 |
| Memoranda: | ||
| Average total assets | $53,338,500 | 4,764 |
| Average earning assets | $49,727,000 | 4,743 |
| Average equity | $5,496,250 | 4,893 |
| Average total loans | $44,924,750 | 4,338 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4005% | 678 |
| Cost of funding earning assets | 0.2599% | 4,925 |
| Net interest margin | 5.1406% | 218 |
| Noninterest income to average assets | 0.8314% | 1,247 |
| Noninterest expense to average assets | 4.6265% | 274 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8006% | 3,649 |
| Return on assets (ROA) | 0.8006% | 3,711 |
| Pretax return on assets | 1.0007% | 3,546 |
| Return on Equity (ROE) | 7.6414% | 3,438 |
| Retained earnings to average equity (ytd only) | 7.6414% | 1,544 |
| Net charge-offs to loans | 0.0090% | 2,816 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 130.0000% | 565 |
| Efficiency ratio | 81.8741% | 810 |
| Assets per employee ($millions) | 3.4951% | 4,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1350% | 2,875 |
| Loan loss allowance to noncurrent loans | 116.6667% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 0.8354% | 1,686 |
| Noncurrent loans to loans | 0.9729% | 1,683 |
| Net loans and leases to total assets | 84.8990% | 295 |
| Net loans and leases to deposits | 95.5540% | 1,092 |
| Net loans and leases to core deposits | 107.4757% | 1,138 |
| Total domestic deposits to total assets | 88.8493% | 727 |
| Equity capital to assets | 10.6052% | 3,433 |
| Core capital (leverage) ratio | 10.5533% | 3,033 |
| Tier 1 risk-based capital ratio | 14.5478% | 3,044 |
| Total risk-based capital ratio | 15.7982% | 2,965 |
| Memoranda: | ||
| Average total assets | $51,961,330 | 4,821 |
| Average earning assets | $48,477,000 | 4,797 |
| Average equity | $5,444,000 | 4,930 |
| Average total loans | $44,441,670 | 4,374 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4452% | 573 |
| Cost of funding earning assets | 0.3140% | 4,805 |
| Net interest margin | 5.1312% | 228 |
| Noninterest income to average assets | 0.8197% | 1,239 |
| Noninterest expense to average assets | 4.5082% | 284 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8893% | 3,276 |
| Return on assets (ROA) | 0.8893% | 3,329 |
| Pretax return on assets | 1.1135% | 3,106 |
| Return on Equity (ROE) | 8.5407% | 3,021 |
| Retained earnings to average equity (ytd only) | 8.5407% | 1,475 |
| Net charge-offs to loans | -0.0091% | 4,193 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7799% | 1,080 |
| Assets per employee ($millions) | 3.5005% | 4,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1815% | 2,683 |
| Loan loss allowance to noncurrent loans | 117.3516% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 0.8342% | 1,700 |
| Noncurrent loans to loans | 1.0068% | 1,660 |
| Net loans and leases to total assets | 81.8767% | 603 |
| Net loans and leases to deposits | 92.1052% | 1,389 |
| Net loans and leases to core deposits | 96.5873% | 1,890 |
| Total domestic deposits to total assets | 88.8948% | 911 |
| Equity capital to assets | 10.3872% | 3,434 |
| Core capital (leverage) ratio | 10.2652% | 3,310 |
| Tier 1 risk-based capital ratio | 13.8962% | 3,395 |
| Total risk-based capital ratio | 15.1478% | 3,314 |
| Memoranda: | ||
| Average total assets | $51,728,500 | 4,876 |
| Average earning assets | $48,410,000 | 4,849 |
| Average equity | $5,386,000 | 4,983 |
| Average total loans | $44,152,000 | 4,430 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2868% | 596 |
| Cost of funding earning assets | 0.3667% | 4,183 |
| Net interest margin | 4.9201% | 312 |
| Noninterest income to average assets | 0.9318% | 1,102 |
| Noninterest expense to average assets | 4.3942% | 330 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8494% | 3,611 |
| Return on assets (ROA) | 0.8494% | 3,609 |
| Pretax return on assets | 1.0652% | 3,392 |
| Return on Equity (ROE) | 8.4952% | 3,221 |
| Retained earnings to average equity (ytd only) | 8.3971% | 1,084 |
| Net charge-offs to loans | -0.0024% | 4,252 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3809% | 927 |
| Assets per employee ($millions) | 3.6393% | 4,401 |
| Cash dividends to net income (ytd only)* | 1.1547% | 3,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1451% | 2,855 |
| Loan loss allowance to noncurrent loans | 117.1233% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 0.8597% | 1,626 |
| Noncurrent loans to loans | 0.9777% | 1,661 |
| Net loans and leases to total assets | 86.9205% | 175 |
| Net loans and leases to deposits | 99.8287% | 757 |
| Net loans and leases to core deposits | 104.9357% | 1,350 |
| Total domestic deposits to total assets | 87.0697% | 1,755 |
| Equity capital to assets | 10.4377% | 3,248 |
| Core capital (leverage) ratio | 10.3283% | 3,223 |
| Tier 1 risk-based capital ratio | 13.5507% | 3,522 |
| Total risk-based capital ratio | 14.8005% | 3,424 |
| Memoranda: | ||
| Average total assets | $50,975,800 | 4,916 |
| Average earning assets | $46,909,200 | 4,916 |
| Average equity | $5,097,000 | 5,040 |
| Average total loans | $42,175,200 | 4,492 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2137% | 614 |
| Cost of funding earning assets | 0.3769% | 4,009 |
| Net interest margin | 4.8368% | 348 |
| Noninterest income to average assets | 0.9336% | 1,099 |
| Noninterest expense to average assets | 4.3413% | 346 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8186% | 3,846 |
| Return on assets (ROA) | 0.8186% | 3,858 |
| Pretax return on assets | 1.0226% | 3,654 |
| Return on Equity (ROE) | 8.2773% | 3,426 |
| Retained earnings to average equity (ytd only) | 8.1452% | 1,583 |
| Net charge-offs to loans | -0.0032% | 4,145 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9361% | 868 |
| Assets per employee ($millions) | 3.8214% | 4,149 |
| Cash dividends to net income (ytd only)* | 1.5983% | 3,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1466% | 2,928 |
| Loan loss allowance to noncurrent loans | 117.1233% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 0.8187% | 1,810 |
| Noncurrent loans to loans | 0.9789% | 1,736 |
| Net loans and leases to total assets | 82.6726% | 607 |
| Net loans and leases to deposits | 96.7981% | 1,062 |
| Net loans and leases to core deposits | 103.9753% | 1,453 |
| Total domestic deposits to total assets | 85.4072% | 2,456 |
| Equity capital to assets | 9.7161% | 3,906 |
| Core capital (leverage) ratio | 10.0971% | 3,524 |
| Tier 1 risk-based capital ratio | 12.8241% | 4,003 |
| Total risk-based capital ratio | 14.0748% | 3,905 |
| Memoranda: | ||
| Average total assets | $50,982,250 | 4,974 |
| Average earning assets | $46,696,000 | 4,970 |
| Average equity | $5,041,750 | 5,103 |
| Average total loans | $41,519,250 | 4,554 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0885% | 678 |
| Cost of funding earning assets | 0.3764% | 3,902 |
| Net interest margin | 4.7120% | 422 |
| Noninterest income to average assets | 0.9453% | 1,064 |
| Noninterest expense to average assets | 4.3595% | 337 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7459% | 4,048 |
| Return on assets (ROA) | 0.7459% | 4,052 |
| Pretax return on assets | 0.9293% | 3,875 |
| Return on Equity (ROE) | 7.4955% | 3,724 |
| Retained earnings to average equity (ytd only) | 7.4153% | 1,880 |
| Net charge-offs to loans | -0.0049% | 4,104 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4284% | 803 |
| Assets per employee ($millions) | 3.5354% | 4,547 |
| Cash dividends to net income (ytd only)* | 1.0695% | 3,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1966% | 2,741 |
| Loan loss allowance to noncurrent loans | 117.1233% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 0.8849% | 1,700 |
| Noncurrent loans to loans | 1.0216% | 1,724 |
| Net loans and leases to total assets | 85.5824% | 299 |
| Net loans and leases to deposits | 96.0805% | 1,128 |
| Net loans and leases to core deposits | 104.7557% | 1,332 |
| Total domestic deposits to total assets | 89.0736% | 904 |
| Equity capital to assets | 10.2455% | 3,394 |
| Core capital (leverage) ratio | 10.2847% | 3,252 |
| Tier 1 risk-based capital ratio | 13.2966% | 3,736 |
| Total risk-based capital ratio | 14.5489% | 3,658 |
| Memoranda: | ||
| Average total assets | $50,143,330 | 5,044 |
| Average earning assets | $46,222,000 | 5,038 |
| Average equity | $4,989,670 | 5,164 |
| Average total loans | $40,445,000 | 4,628 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9646% | 755 |
| Cost of funding earning assets | 0.3206% | 4,195 |
| Net interest margin | 4.6441% | 452 |
| Noninterest income to average assets | 0.9590% | 1,003 |
| Noninterest expense to average assets | 4.3751% | 327 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6658% | 4,222 |
| Return on assets (ROA) | 0.6658% | 4,226 |
| Pretax return on assets | 0.8322% | 4,077 |
| Return on Equity (ROE) | 6.7893% | 3,866 |
| Retained earnings to average equity (ytd only) | 6.7893% | 2,371 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0183% | 795 |
| Assets per employee ($millions) | 3.5305% | 4,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3091% | 2,206 |
| Loan loss allowance to noncurrent loans | 116.8950% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 0.8862% | 1,791 |
| Noncurrent loans to loans | 1.1199% | 1,637 |
| Net loans and leases to total assets | 78.0950% | 1,226 |
| Net loans and leases to deposits | 89.5571% | 1,742 |
| Net loans and leases to core deposits | 98.4694% | 1,807 |
| Total domestic deposits to total assets | 87.2013% | 2,044 |
| Equity capital to assets | 10.0734% | 3,531 |
| Core capital (leverage) ratio | 10.1214% | 3,402 |
| Tier 1 risk-based capital ratio | 14.0112% | 3,377 |
| Total risk-based capital ratio | 15.2624% | 3,290 |
| Memoranda: | ||
| Average total assets | $50,467,500 | 5,102 |
| Average earning assets | $46,166,500 | 5,094 |
| Average equity | $4,949,000 | 5,229 |
| Average total loans | $39,231,500 | 4,717 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9085% | 781 |
| Cost of funding earning assets | 0.3125% | 4,020 |
| Net interest margin | 4.5959% | 509 |
| Noninterest income to average assets | 0.7871% | 1,621 |
| Noninterest expense to average assets | 4.2453% | 397 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4022% | 4,685 |
| Return on assets (ROA) | 0.4022% | 4,705 |
| Pretax return on assets | 0.7871% | 4,281 |
| Return on Equity (ROE) | 4.3041% | 4,407 |
| Retained earnings to average equity (ytd only) | 4.3041% | 2,576 |
| Net charge-offs to loans | -0.0027% | 4,553 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3595% | 742 |
| Assets per employee ($millions) | 3.6791% | 4,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3011% | 2,212 |
| Loan loss allowance to noncurrent loans | 116.8950% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 0.8504% | 1,831 |
| Noncurrent loans to loans | 1.1131% | 1,585 |
| Net loans and leases to total assets | 75.4038% | 1,695 |
| Net loans and leases to deposits | 83.9435% | 2,496 |
| Net loans and leases to core deposits | 91.6684% | 2,400 |
| Total domestic deposits to total assets | 89.8268% | 634 |
| Equity capital to assets | 9.5500% | 4,193 |
| Core capital (leverage) ratio | 9.2923% | 4,304 |
| Tier 1 risk-based capital ratio | 13.4741% | 3,644 |
| Total risk-based capital ratio | 14.7251% | 3,551 |
| Memoranda: | ||
| Average total assets | $51,963,200 | 5,121 |
| Average earning assets | $47,998,800 | 5,108 |
| Average equity | $4,855,800 | 5,296 |
| Average total loans | $37,625,400 | 4,803 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8593% | 825 |
| Cost of funding earning assets | 0.3151% | 3,985 |
| Net interest margin | 4.5442% | 540 |
| Noninterest income to average assets | 0.7834% | 1,644 |
| Noninterest expense to average assets | 4.1322% | 438 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5786% | 4,462 |
| Return on assets (ROA) | 0.5786% | 4,503 |
| Pretax return on assets | 0.8602% | 4,178 |
| Return on Equity (ROE) | 6.2258% | 4,024 |
| Retained earnings to average equity (ytd only) | 6.2258% | 2,096 |
| Net charge-offs to loans | -0.0251% | 4,924 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7692% | 857 |
| Assets per employee ($millions) | 3.7025% | 4,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3449% | 2,141 |
| Loan loss allowance to noncurrent loans | 118.2648% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 0.8450% | 2,041 |
| Noncurrent loans to loans | 1.1372% | 1,694 |
| Net loans and leases to total assets | 73.3057% | 2,042 |
| Net loans and leases to deposits | 81.7830% | 2,798 |
| Net loans and leases to core deposits | 90.2115% | 2,592 |
| Total domestic deposits to total assets | 89.6344% | 604 |
| Equity capital to assets | 9.5534% | 4,391 |
| Core capital (leverage) ratio | 9.5271% | 4,129 |
| Tier 1 risk-based capital ratio | 13.6214% | 3,625 |
| Total risk-based capital ratio | 14.8734% | 3,554 |
| Memoranda: | ||
| Average total assets | $52,077,000 | 5,177 |
| Average earning assets | $48,236,000 | 5,160 |
| Average equity | $4,840,000 | 5,357 |
| Average total loans | $37,194,000 | 4,865 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8600% | 760 |
| Cost of funding earning assets | 0.3188% | 3,887 |
| Net interest margin | 4.5412% | 524 |
| Noninterest income to average assets | 0.7822% | 1,633 |
| Noninterest expense to average assets | 4.1029% | 467 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5982% | 4,314 |
| Return on assets (ROA) | 0.5982% | 4,357 |
| Pretax return on assets | 0.8858% | 3,974 |
| Return on Equity (ROE) | 6.4964% | 3,824 |
| Retained earnings to average equity (ytd only) | 6.4964% | 1,847 |
| Net charge-offs to loans | -0.0381% | 5,052 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2444% | 981 |
| Assets per employee ($millions) | 4.1765% | 3,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4004% | 1,950 |
| Loan loss allowance to noncurrent loans | 118.2648% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 0.8739% | 2,030 |
| Noncurrent loans to loans | 1.1841% | 1,649 |
| Net loans and leases to total assets | 72.7723% | 2,085 |
| Net loans and leases to deposits | 81.2366% | 2,772 |
| Net loans and leases to core deposits | 89.9211% | 2,533 |
| Total domestic deposits to total assets | 89.5806% | 695 |
| Equity capital to assets | 9.7490% | 4,177 |
| Core capital (leverage) ratio | 9.3035% | 4,365 |
| Tier 1 risk-based capital ratio | 14.0824% | 3,385 |
| Total risk-based capital ratio | 15.3353% | 3,297 |
| Memoranda: | ||
| Average total assets | $52,157,670 | 5,208 |
| Average earning assets | $48,313,000 | 5,189 |
| Average equity | $4,802,670 | 5,403 |
| Average total loans | $36,753,330 | 4,908 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5780% | 1,190 |
| Cost of funding earning assets | 0.3258% | 3,794 |
| Net interest margin | 4.2522% | 882 |
| Noninterest income to average assets | 0.7071% | 1,932 |
| Noninterest expense to average assets | 4.0318% | 522 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4062% | 4,925 |
| Return on assets (ROA) | 0.4062% | 4,951 |
| Pretax return on assets | 0.6018% | 4,728 |
| Return on Equity (ROE) | 4.5369% | 4,590 |
| Retained earnings to average equity (ytd only) | 4.5369% | 3,157 |
| Net charge-offs to loans | -0.0109% | 4,466 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0130% | 734 |
| Assets per employee ($millions) | 4.1678% | 3,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4049% | 2,047 |
| Loan loss allowance to noncurrent loans | 116.8950% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 0.8084% | 2,278 |
| Noncurrent loans to loans | 1.2019% | 1,683 |
| Net loans and leases to total assets | 66.3166% | 2,926 |
| Net loans and leases to deposits | 73.2553% | 3,476 |
| Net loans and leases to core deposits | 80.3520% | 3,256 |
| Total domestic deposits to total assets | 90.5280% | 465 |
| Equity capital to assets | 8.8297% | 4,971 |
| Core capital (leverage) ratio | 8.9651% | 4,779 |
| Tier 1 risk-based capital ratio | 13.5064% | 3,778 |
| Total risk-based capital ratio | 14.7592% | 3,687 |
| Memoranda: | ||
| Average total assets | $53,177,500 | 5,241 |
| Average earning assets | $49,104,500 | 5,229 |
| Average equity | $4,761,000 | 5,465 |
| Average total loans | $36,635,000 | 4,954 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2352% | 393 |
| Cost of funding earning assets | 0.3946% | 3,047 |
| Net interest margin | 4.8406% | 322 |
| Noninterest income to average assets | 0.7426% | 1,984 |
| Noninterest expense to average assets | 4.5407% | 360 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4660% | 4,751 |
| Return on assets (ROA) | 0.4674% | 4,823 |
| Pretax return on assets | 0.6718% | 4,577 |
| Return on Equity (ROE) | 5.0150% | 4,429 |
| Retained earnings to average equity (ytd only) | 4.9064% | 2,401 |
| Net charge-offs to loans | -0.0139% | 5,028 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1456% | 741 |
| Assets per employee ($millions) | 4.0134% | 3,943 |
| Cash dividends to net income (ytd only)* | 2.1645% | 4,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3876% | 2,135 |
| Loan loss allowance to noncurrent loans | 116.6667% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 0.8395% | 2,245 |
| Noncurrent loans to loans | 1.1893% | 1,725 |
| Net loans and leases to total assets | 69.6056% | 2,542 |
| Net loans and leases to deposits | 77.1024% | 3,197 |
| Net loans and leases to core deposits | 84.9040% | 2,938 |
| Total domestic deposits to total assets | 90.2768% | 526 |
| Equity capital to assets | 9.0812% | 4,730 |
| Core capital (leverage) ratio | 8.9744% | 4,767 |
| Tier 1 risk-based capital ratio | 13.3857% | 3,839 |
| Total risk-based capital ratio | 14.6389% | 3,739 |
| Memoranda: | ||
| Average total assets | $49,419,600 | 5,357 |
| Average earning assets | $45,614,000 | 5,343 |
| Average equity | $4,606,200 | 5,536 |
| Average total loans | $36,075,000 | 5,016 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3549% | 329 |
| Cost of funding earning assets | 0.4028% | 2,992 |
| Net interest margin | 4.9521% | 281 |
| Noninterest income to average assets | 0.7415% | 2,002 |
| Noninterest expense to average assets | 4.7525% | 312 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3866% | 5,064 |
| Return on assets (ROA) | 0.3885% | 5,148 |
| Pretax return on assets | 0.5664% | 4,962 |
| Return on Equity (ROE) | 4.1399% | 4,854 |
| Retained earnings to average equity (ytd only) | 4.1399% | 3,367 |
| Net charge-offs to loans | -0.0111% | 4,810 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3978% | 596 |
| Assets per employee ($millions) | 4.0323% | 3,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3546% | 2,414 |
| Loan loss allowance to noncurrent loans | 116.2100% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 0.8356% | 2,456 |
| Noncurrent loans to loans | 1.1656% | 1,925 |
| Net loans and leases to total assets | 70.7135% | 2,389 |
| Net loans and leases to deposits | 78.2554% | 3,160 |
| Net loans and leases to core deposits | 87.1204% | 2,836 |
| Total domestic deposits to total assets | 90.3625% | 357 |
| Equity capital to assets | 8.9622% | 5,209 |
| Core capital (leverage) ratio | 9.1918% | 4,603 |
| Tier 1 risk-based capital ratio | 13.0091% | 4,154 |
| Total risk-based capital ratio | 14.2601% | 4,070 |
| Memoranda: | ||
| Average total assets | $48,731,000 | 5,425 |
| Average earning assets | $45,017,000 | 5,416 |
| Average equity | $4,573,250 | 5,602 |
| Average total loans | $35,887,000 | 5,069 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5216% | 246 |
| Cost of funding earning assets | 0.4139% | 2,896 |
| Net interest margin | 5.1077% | 208 |
| Noninterest income to average assets | 0.7663% | 1,858 |
| Noninterest expense to average assets | 4.9683% | 272 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3634% | 5,140 |
| Return on assets (ROA) | 0.3663% | 5,223 |
| Pretax return on assets | 0.5305% | 5,073 |
| Return on Equity (ROE) | 3.8396% | 4,974 |
| Retained earnings to average equity (ytd only) | 3.8396% | 3,447 |
| Net charge-offs to loans | -0.0113% | 4,740 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4215% | 587 |
| Assets per employee ($millions) | 3.3094% | 5,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3789% | 2,386 |
| Loan loss allowance to noncurrent loans | 115.9817% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 0.9454% | 2,261 |
| Noncurrent loans to loans | 1.1889% | 1,933 |
| Net loans and leases to total assets | 78.4210% | 1,144 |
| Net loans and leases to deposits | 87.9822% | 1,999 |
| Net loans and leases to core deposits | 100.2954% | 1,610 |
| Total domestic deposits to total assets | 89.1328% | 861 |
| Equity capital to assets | 10.0082% | 4,217 |
| Core capital (leverage) ratio | 9.0291% | 4,795 |
| Tier 1 risk-based capital ratio | 13.3632% | 3,978 |
| Total risk-based capital ratio | 14.6150% | 3,896 |
| Memoranda: | ||
| Average total assets | $47,501,330 | 5,512 |
| Average earning assets | $43,973,000 | 5,498 |
| Average equity | $4,531,670 | 5,667 |
| Average total loans | $35,323,670 | 5,128 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8269% | 803 |
| Cost of funding earning assets | 0.4225% | 2,838 |
| Net interest margin | 4.4044% | 736 |
| Noninterest income to average assets | 0.7736% | 1,716 |
| Noninterest expense to average assets | 5.0493% | 264 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.1476% | 5,865 |
| Return on assets (ROA) | -0.1414% | 5,880 |
| Pretax return on assets | -0.1913% | 5,893 |
| Return on Equity (ROE) | -1.5182% | 5,888 |
| Retained earnings to average equity (ytd only) | -1.5182% | 5,336 |
| Net charge-offs to loans | -0.0231% | 4,933 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.1166% | 211 |
| Assets per employee ($millions) | 3.2539% | 5,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4774% | 2,082 |
| Loan loss allowance to noncurrent loans | 115.9817% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 0.8974% | 2,440 |
| Noncurrent loans to loans | 1.2738% | 1,894 |
| Net loans and leases to total assets | 69.4087% | 2,439 |
| Net loans and leases to deposits | 77.0177% | 3,104 |
| Net loans and leases to core deposits | 87.6394% | 2,596 |
| Total domestic deposits to total assets | 90.1205% | 551 |
| Equity capital to assets | 9.2280% | 4,961 |
| Core capital (leverage) ratio | 8.9079% | 4,957 |
| Tier 1 risk-based capital ratio | 13.4374% | 4,019 |
| Total risk-based capital ratio | 14.6908% | 3,941 |
| Memoranda: | ||
| Average total assets | $48,086,000 | 5,548 |
| Average earning assets | $44,501,000 | 5,541 |
| Average equity | $4,479,000 | 5,726 |
| Average total loans | $34,564,500 | 5,194 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9232% | 727 |
| Cost of funding earning assets | 0.4912% | 2,246 |
| Net interest margin | 4.4321% | 744 |
| Noninterest income to average assets | 0.5628% | 2,948 |
| Noninterest expense to average assets | 4.5043% | 411 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1062% | 5,745 |
| Return on assets (ROA) | 0.1062% | 5,788 |
| Pretax return on assets | 0.1402% | 5,766 |
| Return on Equity (ROE) | 1.1251% | 5,752 |
| Retained earnings to average equity (ytd only) | 1.1251% | 5,066 |
| Net charge-offs to loans | 0.0088% | 4,149 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,787 |
| Efficiency ratio | 96.9822% | 368 |
| Assets per employee ($millions) | 3.1576% | 5,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4564% | 2,192 |
| Loan loss allowance to noncurrent loans | 62.3153% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 1.7144% | 1,132 |
| Noncurrent loans to loans | 2.3371% | 817 |
| Net loans and leases to total assets | 72.2870% | 1,999 |
| Net loans and leases to deposits | 80.4256% | 2,777 |
| Net loans and leases to core deposits | 92.5902% | 2,166 |
| Total domestic deposits to total assets | 89.8805% | 683 |
| Equity capital to assets | 9.4038% | 4,667 |
| Core capital (leverage) ratio | 8.8360% | 5,070 |
| Tier 1 risk-based capital ratio | 13.6961% | 3,890 |
| Total risk-based capital ratio | 14.9527% | 3,815 |
| Memoranda: | ||
| Average total assets | $47,088,600 | 5,608 |
| Average earning assets | $43,365,800 | 5,598 |
| Average equity | $4,444,200 | 5,771 |
| Average total loans | $34,147,600 | 5,218 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8827% | 797 |
| Cost of funding earning assets | 0.4994% | 2,215 |
| Net interest margin | 4.3833% | 822 |
| Noninterest income to average assets | 0.4735% | 3,550 |
| Noninterest expense to average assets | 4.2960% | 490 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1531% | 5,766 |
| Return on assets (ROA) | 0.1531% | 5,819 |
| Pretax return on assets | 0.2098% | 5,778 |
| Return on Equity (ROE) | 1.6210% | 5,749 |
| Retained earnings to average equity (ytd only) | 1.6210% | 5,053 |
| Net charge-offs to loans | -0.0079% | 4,916 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3430% | 437 |
| Assets per employee ($millions) | 3.7785% | 4,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5375% | 2,006 |
| Loan loss allowance to noncurrent loans | 61.1976% | 4,654 |
| Noncurrent assets plus other real estate owned to assets | 2.0501% | 983 |
| Noncurrent loans to loans | 2.5123% | 814 |
| Net loans and leases to total assets | 66.6226% | 2,915 |
| Net loans and leases to deposits | 73.9080% | 3,555 |
| Net loans and leases to core deposits | 85.6810% | 2,885 |
| Total domestic deposits to total assets | 90.1425% | 517 |
| Equity capital to assets | 9.1226% | 5,192 |
| Core capital (leverage) ratio | 9.2579% | 4,648 |
| Tier 1 risk-based capital ratio | 13.9601% | 3,870 |
| Total risk-based capital ratio | 15.2148% | 3,806 |
| Memoranda: | ||
| Average total assets | $47,019,750 | 5,679 |
| Average earning assets | $43,253,750 | 5,674 |
| Average equity | $4,441,750 | 5,851 |
| Average total loans | $33,998,500 | 5,284 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9179% | 702 |
| Cost of funding earning assets | 0.5229% | 2,045 |
| Net interest margin | 4.3950% | 768 |
| Noninterest income to average assets | 0.4059% | 4,042 |
| Noninterest expense to average assets | 4.3005% | 496 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0950% | 5,881 |
| Return on assets (ROA) | 0.0950% | 5,928 |
| Pretax return on assets | 0.1339% | 5,902 |
| Return on Equity (ROE) | 0.9935% | 5,902 |
| Retained earnings to average equity (ytd only) | 0.9935% | 5,171 |
| Net charge-offs to loans | -0.0058% | 4,779 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9815% | 406 |
| Assets per employee ($millions) | 4.0028% | 3,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5034% | 2,279 |
| Loan loss allowance to noncurrent loans | 56.5410% | 4,826 |
| Noncurrent assets plus other real estate owned to assets | 2.2138% | 941 |
| Noncurrent loans to loans | 2.6589% | 822 |
| Net loans and leases to total assets | 64.2120% | 3,242 |
| Net loans and leases to deposits | 70.9577% | 3,828 |
| Net loans and leases to core deposits | 81.4936% | 3,238 |
| Total domestic deposits to total assets | 90.4933% | 453 |
| Equity capital to assets | 8.5343% | 5,659 |
| Core capital (leverage) ratio | 9.1652% | 4,739 |
| Tier 1 risk-based capital ratio | 12.9979% | 4,523 |
| Total risk-based capital ratio | 14.2508% | 4,433 |
| Memoranda: | ||
| Average total assets | $46,319,670 | 5,760 |
| Average earning assets | $42,457,330 | 5,756 |
| Average equity | $4,428,670 | 5,911 |
| Average total loans | $34,252,670 | 5,317 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1688% | 427 |
| Cost of funding earning assets | 0.5721% | 1,641 |
| Net interest margin | 4.5967% | 501 |
| Noninterest income to average assets | 0.2393% | 5,257 |
| Noninterest expense to average assets | 4.5558% | 415 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0644% | 6,069 |
| Return on assets (ROA) | -0.0644% | 6,103 |
| Pretax return on assets | -0.1012% | 6,119 |
| Return on Equity (ROE) | -0.6331% | 6,105 |
| Retained earnings to average equity (ytd only) | -0.6331% | 5,494 |
| Net charge-offs to loans | -0.0116% | 4,783 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.2727% | 310 |
| Assets per employee ($millions) | 3.3770% | 5,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4825% | 2,520 |
| Loan loss allowance to noncurrent loans | 55.3746% | 4,861 |
| Noncurrent assets plus other real estate owned to assets | 2.6674% | 764 |
| Noncurrent loans to loans | 2.6772% | 884 |
| Net loans and leases to total assets | 77.1987% | 1,029 |
| Net loans and leases to deposits | 87.0473% | 1,717 |
| Net loans and leases to core deposits | 104.7473% | 1,016 |
| Total domestic deposits to total assets | 88.6859% | 1,457 |
| Equity capital to assets | 10.1137% | 4,000 |
| Core capital (leverage) ratio | 10.1736% | 3,375 |
| Tier 1 risk-based capital ratio | 13.7727% | 4,165 |
| Total risk-based capital ratio | 15.0256% | 4,086 |
| Memoranda: | ||
| Average total assets | $43,461,000 | 5,883 |
| Average earning assets | $39,854,500 | 5,871 |
| Average equity | $4,422,500 | 5,964 |
| Average total loans | $34,417,000 | 5,352 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2432% | 481 |
| Cost of funding earning assets | 0.5936% | 1,815 |
| Net interest margin | 4.6497% | 569 |
| Noninterest income to average assets | 0.6652% | 2,478 |
| Noninterest expense to average assets | 4.4231% | 493 |
| Loan and lease loss provision to assets | 0.0934% | 2,600 |
| Net operating income to assets | 0.2729% | 5,592 |
| Return on assets (ROA) | 0.2684% | 5,673 |
| Pretax return on assets | 0.4201% | 5,438 |
| Return on Equity (ROE) | 2.6593% | 5,583 |
| Retained earnings to average equity (ytd only) | 2.6593% | 4,353 |
| Net charge-offs to loans | 0.3692% | 1,175 |
| Credit loss provision to net charge-offs | 31.7460% | 3,811 |
| Earnings coverage of net charge-offs (x) | 1.7698% | 4,337 |
| Efficiency ratio | 89.4712% | 882 |
| Assets per employee ($millions) | 3.9110% | 4,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4782% | 2,572 |
| Loan loss allowance to noncurrent loans | 50.4960% | 5,088 |
| Noncurrent assets plus other real estate owned to assets | 3.1264% | 628 |
| Noncurrent loans to loans | 2.9274% | 780 |
| Net loans and leases to total assets | 78.8545% | 898 |
| Net loans and leases to deposits | 89.0464% | 1,613 |
| Net loans and leases to core deposits | 107.6098% | 918 |
| Total domestic deposits to total assets | 88.5544% | 1,493 |
| Equity capital to assets | 10.2392% | 3,806 |
| Core capital (leverage) ratio | 9.7952% | 3,837 |
| Tier 1 risk-based capital ratio | 12.5982% | 4,976 |
| Total risk-based capital ratio | 13.8526% | 4,888 |
| Memoranda: | ||
| Average total assets | $42,842,800 | 5,956 |
| Average earning assets | $39,422,200 | 5,936 |
| Average equity | $4,324,400 | 6,028 |
| Average total loans | $34,126,600 | 5,393 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1770% | 547 |
| Cost of funding earning assets | 0.6011% | 1,818 |
| Net interest margin | 4.5759% | 650 |
| Noninterest income to average assets | 0.5794% | 2,995 |
| Noninterest expense to average assets | 4.4393% | 493 |
| Loan and lease loss provision to assets | 0.1246% | 2,005 |
| Net operating income to assets | 0.1306% | 5,978 |
| Return on assets (ROA) | 0.1246% | 6,025 |
| Pretax return on assets | 0.2274% | 5,910 |
| Return on Equity (ROE) | 1.2390% | 6,000 |
| Retained earnings to average equity (ytd only) | 1.2390% | 5,401 |
| Net charge-offs to loans | 0.4777% | 827 |
| Credit loss provision to net charge-offs | 32.7869% | 3,414 |
| Earnings coverage of net charge-offs (x) | 0.9508% | 4,269 |
| Efficiency ratio | 92.4724% | 673 |
| Assets per employee ($millions) | 3.2342% | 5,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4816% | 2,815 |
| Loan loss allowance to noncurrent loans | 48.6256% | 5,192 |
| Noncurrent assets plus other real estate owned to assets | 3.3108% | 666 |
| Noncurrent loans to loans | 3.0469% | 871 |
| Net loans and leases to total assets | 81.1341% | 591 |
| Net loans and leases to deposits | 91.6398% | 1,261 |
| Net loans and leases to core deposits | 115.6535% | 521 |
| Total domestic deposits to total assets | 88.5358% | 1,482 |
| Equity capital to assets | 10.2868% | 3,803 |
| Core capital (leverage) ratio | 9.7493% | 3,998 |
| Tier 1 risk-based capital ratio | 12.4830% | 5,180 |
| Total risk-based capital ratio | 13.7380% | 5,112 |
| Memoranda: | ||
| Average total assets | $42,798,250 | 6,027 |
| Average earning assets | $39,481,500 | 6,004 |
| Average equity | $4,304,250 | 6,096 |
| Average total loans | $34,050,000 | 5,450 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1470% | 557 |
| Cost of funding earning assets | 0.6061% | 1,855 |
| Net interest margin | 4.5409% | 649 |
| Noninterest income to average assets | 0.6969% | 2,297 |
| Noninterest expense to average assets | 4.4367% | 478 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2820% | 5,627 |
| Return on assets (ROA) | 0.2880% | 5,681 |
| Pretax return on assets | 0.4460% | 5,432 |
| Return on Equity (ROE) | 2.8855% | 5,567 |
| Retained earnings to average equity (ytd only) | 2.8855% | 4,365 |
| Net charge-offs to loans | 0.1831% | 1,927 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 3.0323% | 3,407 |
| Efficiency ratio | 91.0391% | 830 |
| Assets per employee ($millions) | 3.3642% | 5,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6563% | 2,270 |
| Loan loss allowance to noncurrent loans | 48.3290% | 5,233 |
| Noncurrent assets plus other real estate owned to assets | 3.8345% | 580 |
| Noncurrent loans to loans | 3.4271% | 788 |
| Net loans and leases to total assets | 76.5703% | 1,096 |
| Net loans and leases to deposits | 88.3752% | 1,553 |
| Net loans and leases to core deposits | 110.9977% | 650 |
| Total domestic deposits to total assets | 86.6423% | 2,674 |
| Equity capital to assets | 9.9211% | 4,217 |
| Core capital (leverage) ratio | 10.0652% | 3,516 |
| Tier 1 risk-based capital ratio | 12.9012% | 4,974 |
| Total risk-based capital ratio | 14.1563% | 4,909 |
| Memoranda: | ||
| Average total assets | $43,049,670 | 6,077 |
| Average earning assets | $39,595,670 | 6,057 |
| Average equity | $4,297,330 | 6,140 |
| Average total loans | $33,858,330 | 5,498 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2411% | 453 |
| Cost of funding earning assets | 0.6208% | 1,806 |
| Net interest margin | 4.6203% | 543 |
| Noninterest income to average assets | 1.1333% | 867 |
| Noninterest expense to average assets | 4.3740% | 513 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6436% | 3,979 |
| Return on assets (ROA) | 0.6556% | 4,019 |
| Pretax return on assets | 1.0303% | 3,208 |
| Return on Equity (ROE) | 6.5474% | 3,719 |
| Retained earnings to average equity (ytd only) | 6.5474% | 2,254 |
| Net charge-offs to loans | 0.3910% | 934 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.2727% | 2,709 |
| Efficiency ratio | 81.2174% | 2,026 |
| Assets per employee ($millions) | 3.3744% | 5,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6336% | 2,564 |
| Loan loss allowance to noncurrent loans | 59.9147% | 4,850 |
| Noncurrent assets plus other real estate owned to assets | 3.3009% | 808 |
| Noncurrent loans to loans | 2.7265% | 1,235 |
| Net loans and leases to total assets | 77.1446% | 865 |
| Net loans and leases to deposits | 86.6829% | 1,508 |
| Net loans and leases to core deposits | 105.4993% | 775 |
| Total domestic deposits to total assets | 88.9963% | 1,664 |
| Equity capital to assets | 9.8502% | 4,031 |
| Core capital (leverage) ratio | 10.0661% | 3,476 |
| Tier 1 risk-based capital ratio | 12.4933% | 5,317 |
| Total risk-based capital ratio | 13.7489% | 5,253 |
| Memoranda: | ||
| Average total assets | $42,707,000 | 6,149 |
| Average earning assets | $39,304,500 | 6,119 |
| Average equity | $4,276,500 | 6,193 |
| Average total loans | $33,761,500 | 5,556 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4130% | 422 |
| Cost of funding earning assets | 0.6381% | 2,310 |
| Net interest margin | 4.7750% | 452 |
| Noninterest income to average assets | 0.2574% | 5,504 |
| Noninterest expense to average assets | 4.8711% | 384 |
| Loan and lease loss provision to assets | 0.0364% | 4,392 |
| Net operating income to assets | -0.1894% | 6,360 |
| Return on assets (ROA) | -0.1894% | 6,364 |
| Pretax return on assets | -0.3254% | 6,420 |
| Return on Equity (ROE) | -1.8044% | 6,368 |
| Retained earnings to average equity (ytd only) | -1.8044% | 6,153 |
| Net charge-offs to loans | 0.0762% | 4,145 |
| Credit loss provision to net charge-offs | 60.0000% | 3,562 |
| Earnings coverage of net charge-offs (x) | -4.7600% | 5,388 |
| Efficiency ratio | 106.3063% | 334 |
| Assets per employee ($millions) | 3.1959% | 5,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7965% | 2,073 |
| Loan loss allowance to noncurrent loans | 47.8296% | 5,339 |
| Noncurrent assets plus other real estate owned to assets | 4.2819% | 597 |
| Noncurrent loans to loans | 3.7560% | 793 |
| Net loans and leases to total assets | 78.2848% | 787 |
| Net loans and leases to deposits | 88.3567% | 1,427 |
| Net loans and leases to core deposits | 96.9767% | 1,386 |
| Total domestic deposits to total assets | 88.6009% | 1,854 |
| Equity capital to assets | 10.1861% | 3,524 |
| Core capital (leverage) ratio | 9.5019% | 4,263 |
| Tier 1 risk-based capital ratio | 12.7162% | 5,164 |
| Total risk-based capital ratio | 13.9751% | 5,104 |
| Memoranda: | ||
| Average total assets | $41,181,600 | 6,255 |
| Average earning assets | $37,298,800 | 6,240 |
| Average equity | $4,322,800 | 6,258 |
| Average total loans | $32,817,000 | 5,630 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3839% | 457 |
| Cost of funding earning assets | 0.6473% | 2,380 |
| Net interest margin | 4.7365% | 491 |
| Noninterest income to average assets | 0.2466% | 5,670 |
| Noninterest expense to average assets | 4.7991% | 394 |
| Loan and lease loss provision to assets | 0.0487% | 4,041 |
| Net operating income to assets | -0.1979% | 6,468 |
| Return on assets (ROA) | -0.1979% | 6,489 |
| Pretax return on assets | -0.3277% | 6,534 |
| Return on Equity (ROE) | -1.8716% | 6,474 |
| Retained earnings to average equity (ytd only) | -1.8716% | 6,250 |
| Net charge-offs to loans | 0.0489% | 4,204 |
| Credit loss provision to net charge-offs | 125.0000% | 1,879 |
| Earnings coverage of net charge-offs (x) | -7.1663% | 5,150 |
| Efficiency ratio | 106.1737% | 326 |
| Assets per employee ($millions) | 3.4242% | 5,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8003% | 2,302 |
| Loan loss allowance to noncurrent loans | 46.9419% | 5,355 |
| Noncurrent assets plus other real estate owned to assets | 4.4412% | 684 |
| Noncurrent loans to loans | 3.8351% | 939 |
| Net loans and leases to total assets | 75.2376% | 1,108 |
| Net loans and leases to deposits | 84.2545% | 1,848 |
| Net loans and leases to core deposits | 91.7891% | 1,779 |
| Total domestic deposits to total assets | 89.2980% | 1,410 |
| Equity capital to assets | 9.5743% | 4,457 |
| Core capital (leverage) ratio | 10.0605% | 3,583 |
| Tier 1 risk-based capital ratio | 11.9413% | 5,810 |
| Total risk-based capital ratio | 13.1986% | 5,745 |
| Memoranda: | ||
| Average total assets | $41,090,250 | 6,330 |
| Average earning assets | $37,072,750 | 6,323 |
| Average equity | $4,345,500 | 6,326 |
| Average total loans | $32,741,250 | 5,694 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5475% | 350 |
| Cost of funding earning assets | 0.7067% | 2,025 |
| Net interest margin | 4.8409% | 409 |
| Noninterest income to average assets | 0.7109% | 2,591 |
| Noninterest expense to average assets | 5.0265% | 347 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0250% | 6,275 |
| Return on assets (ROA) | 0.0250% | 6,345 |
| Pretax return on assets | 0.0401% | 6,313 |
| Return on Equity (ROE) | 0.2287% | 6,349 |
| Retained earnings to average equity (ytd only) | 0.2287% | 5,787 |
| Net charge-offs to loans | 0.0186% | 4,471 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 2.6667% | 3,627 |
| Efficiency ratio | 99.2095% | 517 |
| Assets per employee ($millions) | 3.1210% | 5,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9552% | 1,953 |
| Loan loss allowance to noncurrent loans | 51.3036% | 5,146 |
| Noncurrent assets plus other real estate owned to assets | 5.4963% | 534 |
| Noncurrent loans to loans | 3.8110% | 1,065 |
| Net loans and leases to total assets | 75.3925% | 1,055 |
| Net loans and leases to deposits | 85.6019% | 1,609 |
| Net loans and leases to core deposits | 93.4586% | 1,572 |
| Total domestic deposits to total assets | 88.0733% | 2,195 |
| Equity capital to assets | 10.7116% | 3,041 |
| Core capital (leverage) ratio | 10.7542% | 2,616 |
| Tier 1 risk-based capital ratio | 13.1131% | 5,059 |
| Total risk-based capital ratio | 14.3720% | 4,994 |
| Memoranda: | ||
| Average total assets | $39,948,670 | 6,401 |
| Average earning assets | $35,944,000 | 6,403 |
| Average equity | $4,373,330 | 6,365 |
| Average total loans | $32,286,330 | 5,744 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6840% | 278 |
| Cost of funding earning assets | 0.8313% | 1,359 |
| Net interest margin | 4.8528% | 369 |
| Noninterest income to average assets | 0.9385% | 1,641 |
| Noninterest expense to average assets | 5.1670% | 331 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1716% | 5,977 |
| Return on assets (ROA) | 0.1716% | 6,078 |
| Pretax return on assets | 0.1312% | 6,207 |
| Return on Equity (ROE) | 1.5500% | 6,074 |
| Retained earnings to average equity (ytd only) | 1.5500% | 5,211 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5238% | 657 |
| Assets per employee ($millions) | 2.9979% | 5,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9384% | 2,201 |
| Loan loss allowance to noncurrent loans | 50.8671% | 5,128 |
| Noncurrent assets plus other real estate owned to assets | 5.7784% | 574 |
| Noncurrent loans to loans | 3.8107% | 1,209 |
| Net loans and leases to total assets | 79.9605% | 429 |
| Net loans and leases to deposits | 91.5670% | 839 |
| Net loans and leases to core deposits | 100.4027% | 923 |
| Total domestic deposits to total assets | 87.3246% | 2,740 |
| Equity capital to assets | 11.2899% | 2,641 |
| Core capital (leverage) ratio | 10.5151% | 2,758 |
| Tier 1 risk-based capital ratio | 13.0740% | 5,162 |
| Total risk-based capital ratio | 14.3316% | 5,112 |
| Memoranda: | ||
| Average total assets | $39,636,500 | 6,474 |
| Average earning assets | $35,608,500 | 6,478 |
| Average equity | $4,387,000 | 6,423 |
| Average total loans | $32,830,000 | 5,760 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9602% | 277 |
| Cost of funding earning assets | 1.0299% | 1,210 |
| Net interest margin | 4.9303% | 426 |
| Noninterest income to average assets | 0.7005% | 2,720 |
| Noninterest expense to average assets | 4.4653% | 594 |
| Loan and lease loss provision to assets | 0.3264% | 2,088 |
| Net operating income to assets | 0.3529% | 5,283 |
| Return on assets (ROA) | 0.3765% | 5,425 |
| Pretax return on assets | 0.3812% | 5,621 |
| Return on Equity (ROE) | 3.6983% | 5,273 |
| Retained earnings to average equity (ytd only) | 3.6983% | 3,612 |
| Net charge-offs to loans | 0.2343% | 3,536 |
| Credit loss provision to net charge-offs | 171.2500% | 1,541 |
| Earnings coverage of net charge-offs (x) | 3.5875% | 3,669 |
| Efficiency ratio | 86.7191% | 1,351 |
| Assets per employee ($millions) | 3.1000% | 5,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8181% | 2,532 |
| Loan loss allowance to noncurrent loans | 34.1653% | 5,888 |
| Noncurrent assets plus other real estate owned to assets | 7.0571% | 437 |
| Noncurrent loans to loans | 5.3216% | 712 |
| Net loans and leases to total assets | 82.5434% | 298 |
| Net loans and leases to deposits | 95.8259% | 626 |
| Net loans and leases to core deposits | 109.3452% | 557 |
| Total domestic deposits to total assets | 86.1390% | 3,279 |
| Equity capital to assets | 10.8536% | 3,116 |
| Core capital (leverage) ratio | 9.7418% | 3,749 |
| Tier 1 risk-based capital ratio | 12.3879% | 5,553 |
| Total risk-based capital ratio | 13.6474% | 5,495 |
| Memoranda: | ||
| Average total assets | $41,968,200 | 6,432 |
| Average earning assets | $37,867,800 | 6,435 |
| Average equity | $4,272,200 | 6,507 |
| Average total loans | $34,148,000 | 5,754 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0070% | 278 |
| Cost of funding earning assets | 1.0488% | 1,287 |
| Net interest margin | 4.9583% | 433 |
| Noninterest income to average assets | 0.5442% | 3,647 |
| Noninterest expense to average assets | 4.4260% | 586 |
| Loan and lease loss provision to assets | 0.5033% | 1,217 |
| Net operating income to assets | 0.0459% | 6,214 |
| Return on assets (ROA) | 0.0661% | 6,324 |
| Pretax return on assets | 0.1227% | 6,239 |
| Return on Equity (ROE) | 0.6593% | 6,312 |
| Retained earnings to average equity (ytd only) | 0.6593% | 5,890 |
| Net charge-offs to loans | 0.3117% | 2,882 |
| Credit loss provision to net charge-offs | 200.0000% | 1,377 |
| Earnings coverage of net charge-offs (x) | 2.3626% | 4,097 |
| Efficiency ratio | 88.1579% | 1,178 |
| Assets per employee ($millions) | 3.2741% | 5,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8348% | 2,696 |
| Loan loss allowance to noncurrent loans | 51.9512% | 5,032 |
| Noncurrent assets plus other real estate owned to assets | 5.5964% | 755 |
| Noncurrent loans to loans | 3.5317% | 1,535 |
| Net loans and leases to total assets | 80.3233% | 481 |
| Net loans and leases to deposits | 90.2796% | 1,112 |
| Net loans and leases to core deposits | 103.3026% | 912 |
| Total domestic deposits to total assets | 88.9716% | 1,446 |
| Equity capital to assets | 9.9406% | 4,587 |
| Core capital (leverage) ratio | 9.7082% | 3,947 |
| Tier 1 risk-based capital ratio | 11.6595% | 6,142 |
| Total risk-based capital ratio | 12.9173% | 6,113 |
| Memoranda: | ||
| Average total assets | $42,385,250 | 6,488 |
| Average earning assets | $38,265,250 | 6,501 |
| Average equity | $4,246,750 | 6,588 |
| Average total loans | $34,214,750 | 5,823 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1896% | 222 |
| Cost of funding earning assets | 1.0769% | 1,323 |
| Net interest margin | 5.1127% | 331 |
| Noninterest income to average assets | 0.3024% | 5,390 |
| Noninterest expense to average assets | 4.3661% | 614 |
| Loan and lease loss provision to assets | 0.2410% | 2,652 |
| Net operating income to assets | 0.3591% | 5,382 |
| Return on assets (ROA) | 0.3591% | 5,607 |
| Pretax return on assets | 0.3166% | 5,930 |
| Return on Equity (ROE) | 3.5748% | 5,452 |
| Retained earnings to average equity (ytd only) | 3.5748% | 4,217 |
| Net charge-offs to loans | 0.3881% | 2,469 |
| Credit loss provision to net charge-offs | 77.2727% | 3,392 |
| Earnings coverage of net charge-offs (x) | 1.7879% | 4,085 |
| Efficiency ratio | 88.6756% | 1,177 |
| Assets per employee ($millions) | 3.1749% | 5,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5744% | 3,690 |
| Loan loss allowance to noncurrent loans | 421.7054% | 856 |
| Noncurrent assets plus other real estate owned to assets | 3.4937% | 1,527 |
| Noncurrent loans to loans | 0.3733% | 5,795 |
| Net loans and leases to total assets | 82.3981% | 311 |
| Net loans and leases to deposits | 93.0632% | 849 |
| Net loans and leases to core deposits | 106.9566% | 704 |
| Total domestic deposits to total assets | 88.5400% | 1,795 |
| Equity capital to assets | 10.4230% | 3,781 |
| Core capital (leverage) ratio | 9.7749% | 3,750 |
| Tier 1 risk-based capital ratio | 11.9659% | 5,957 |
| Total risk-based capital ratio | 13.2212% | 5,923 |
| Memoranda: | ||
| Average total assets | $42,326,000 | 6,531 |
| Average earning assets | $38,257,670 | 6,541 |
| Average equity | $4,252,000 | 6,614 |
| Average total loans | $34,010,670 | 5,871 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9429% | 333 |
| Cost of funding earning assets | 1.1246% | 1,275 |
| Net interest margin | 4.8183% | 540 |
| Noninterest income to average assets | 0.2800% | 5,625 |
| Noninterest expense to average assets | 4.2098% | 731 |
| Loan and lease loss provision to assets | 0.2334% | 2,609 |
| Net operating income to assets | 0.2334% | 5,875 |
| Return on assets (ROA) | 0.2334% | 6,024 |
| Pretax return on assets | 0.1960% | 6,213 |
| Return on Equity (ROE) | 2.3657% | 5,957 |
| Retained earnings to average equity (ytd only) | 2.3657% | 5,079 |
| Net charge-offs to loans | 0.7706% | 1,335 |
| Credit loss provision to net charge-offs | 38.4615% | 3,467 |
| Earnings coverage of net charge-offs (x) | 0.7077% | 3,985 |
| Efficiency ratio | 90.7445% | 1,036 |
| Assets per employee ($millions) | 3.6224% | 4,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5388% | 3,994 |
| Loan loss allowance to noncurrent loans | 174.7475% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 3.4139% | 1,684 |
| Noncurrent loans to loans | 0.8806% | 4,908 |
| Net loans and leases to total assets | 76.3947% | 759 |
| Net loans and leases to deposits | 85.8643% | 1,439 |
| Net loans and leases to core deposits | 99.0574% | 1,047 |
| Total domestic deposits to total assets | 88.9715% | 1,709 |
| Equity capital to assets | 9.7495% | 4,456 |
| Core capital (leverage) ratio | 9.5108% | 4,032 |
| Tier 1 risk-based capital ratio | 11.8572% | 6,048 |
| Total risk-based capital ratio | 13.1050% | 6,034 |
| Memoranda: | ||
| Average total assets | $42,852,000 | 6,569 |
| Average earning assets | $38,769,000 | 6,573 |
| Average equity | $4,227,000 | 6,654 |
| Average total loans | $33,739,500 | 5,924 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2500% | 278 |
| Cost of funding earning assets | 1.2693% | 1,636 |
| Net interest margin | 4.9807% | 424 |
| Noninterest income to average assets | 0.6712% | 2,778 |
| Noninterest expense to average assets | 4.8217% | 447 |
| Loan and lease loss provision to assets | 0.7737% | 1,290 |
| Net operating income to assets | -0.3006% | 6,344 |
| Return on assets (ROA) | -0.3006% | 6,395 |
| Pretax return on assets | -0.4708% | 6,476 |
| Return on Equity (ROE) | -3.0652% | 6,414 |
| Retained earnings to average equity (ytd only) | -3.0652% | 6,280 |
| Net charge-offs to loans | 0.9026% | 1,922 |
| Credit loss provision to net charge-offs | 111.0368% | 3,004 |
| Earnings coverage of net charge-offs (x) | 0.4348% | 5,494 |
| Efficiency ratio | 94.0882% | 919 |
| Assets per employee ($millions) | 3.2488% | 5,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6562% | 3,354 |
| Loan loss allowance to noncurrent loans | 132.1513% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 3.8120% | 1,517 |
| Noncurrent loans to loans | 1.2533% | 4,273 |
| Net loans and leases to total assets | 78.5912% | 647 |
| Net loans and leases to deposits | 88.4416% | 1,327 |
| Net loans and leases to core deposits | 104.4101% | 876 |
| Total domestic deposits to total assets | 88.8623% | 1,623 |
| Equity capital to assets | 9.9822% | 4,191 |
| Core capital (leverage) ratio | 9.4583% | 4,097 |
| Tier 1 risk-based capital ratio | 11.8712% | 5,919 |
| Total risk-based capital ratio | 13.1265% | 5,898 |
| Memoranda: | ||
| Average total assets | $42,909,800 | 6,568 |
| Average earning assets | $38,367,800 | 6,590 |
| Average equity | $4,208,600 | 6,698 |
| Average total loans | $33,127,600 | 6,005 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9122% | 548 |
| Cost of funding earning assets | 1.2996% | 1,706 |
| Net interest margin | 4.6126% | 924 |
| Noninterest income to average assets | 0.3807% | 4,806 |
| Noninterest expense to average assets | 4.4321% | 610 |
| Loan and lease loss provision to assets | 0.3436% | 2,822 |
| Net operating income to assets | -0.2352% | 6,426 |
| Return on assets (ROA) | -0.2352% | 6,500 |
| Pretax return on assets | -0.2755% | 6,473 |
| Return on Equity (ROE) | -2.4087% | 6,519 |
| Retained earnings to average equity (ytd only) | -2.4087% | 6,352 |
| Net charge-offs to loans | 0.1294% | 4,752 |
| Credit loss provision to net charge-offs | 346.8750% | 812 |
| Earnings coverage of net charge-offs (x) | 0.6874% | 5,110 |
| Efficiency ratio | 98.4869% | 720 |
| Assets per employee ($millions) | 3.2548% | 5,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8021% | 2,938 |
| Loan loss allowance to noncurrent loans | 67.2222% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 7.9670% | 556 |
| Noncurrent loans to loans | 2.6808% | 2,603 |
| Net loans and leases to total assets | 77.9141% | 716 |
| Net loans and leases to deposits | 88.0364% | 1,431 |
| Net loans and leases to core deposits | 104.7536% | 937 |
| Total domestic deposits to total assets | 88.5021% | 1,759 |
| Equity capital to assets | 10.0870% | 4,224 |
| Core capital (leverage) ratio | 9.5701% | 4,038 |
| Tier 1 risk-based capital ratio | 11.9956% | 5,897 |
| Total risk-based capital ratio | 13.2513% | 5,884 |
| Memoranda: | ||
| Average total assets | $43,078,500 | 6,625 |
| Average earning assets | $38,473,000 | 6,641 |
| Average equity | $4,206,750 | 6,740 |
| Average total loans | $32,971,500 | 6,075 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8503% | 652 |
| Cost of funding earning assets | 1.3195% | 1,827 |
| Net interest margin | 4.5308% | 1,055 |
| Noninterest income to average assets | 0.3969% | 4,706 |
| Noninterest expense to average assets | 4.5322% | 576 |
| Loan and lease loss provision to assets | 0.3692% | 2,578 |
| Net operating income to assets | -0.4108% | 6,617 |
| Return on assets (ROA) | -0.4108% | 6,645 |
| Pretax return on assets | -0.4477% | 6,623 |
| Return on Equity (ROE) | -4.2519% | 6,660 |
| Retained earnings to average equity (ytd only) | -4.2519% | 6,498 |
| Net charge-offs to loans | 0.1953% | 3,983 |
| Credit loss provision to net charge-offs | 250.0000% | 1,207 |
| Earnings coverage of net charge-offs (x) | -0.5313% | 5,536 |
| Efficiency ratio | 101.7617% | 669 |
| Assets per employee ($millions) | 3.3928% | 5,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7604% | 3,121 |
| Loan loss allowance to noncurrent loans | 77.0470% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 6.8606% | 757 |
| Noncurrent loans to loans | 2.2848% | 3,122 |
| Net loans and leases to total assets | 72.6257% | 1,658 |
| Net loans and leases to deposits | 81.5255% | 2,518 |
| Net loans and leases to core deposits | 100.7105% | 1,278 |
| Total domestic deposits to total assets | 89.0834% | 1,489 |
| Equity capital to assets | 9.6039% | 4,654 |
| Core capital (leverage) ratio | 9.5193% | 3,929 |
| Tier 1 risk-based capital ratio | 12.1333% | 5,682 |
| Total risk-based capital ratio | 13.3942% | 5,646 |
| Memoranda: | ||
| Average total assets | $43,334,000 | 6,665 |
| Average earning assets | $38,801,330 | 6,690 |
| Average equity | $4,186,330 | 6,793 |
| Average total loans | $32,771,330 | 6,149 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9412% | 539 |
| Cost of funding earning assets | 1.3583% | 1,837 |
| Net interest margin | 4.5829% | 891 |
| Noninterest income to average assets | 0.3632% | 5,004 |
| Noninterest expense to average assets | 4.7779% | 441 |
| Loan and lease loss provision to assets | 0.4657% | 1,892 |
| Net operating income to assets | -0.7265% | 6,926 |
| Return on assets (ROA) | -0.7265% | 6,933 |
| Pretax return on assets | -0.7637% | 6,895 |
| Return on Equity (ROE) | -7.4973% | 6,936 |
| Retained earnings to average equity (ytd only) | -7.4973% | 6,710 |
| Net charge-offs to loans | 0.1339% | 3,712 |
| Credit loss provision to net charge-offs | 454.5455% | 771 |
| Earnings coverage of net charge-offs (x) | -2.9091% | 4,986 |
| Efficiency ratio | 106.6528% | 563 |
| Assets per employee ($millions) | 3.2973% | 5,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7290% | 3,244 |
| Loan loss allowance to noncurrent loans | 75.1330% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 6.7001% | 813 |
| Noncurrent loans to loans | 2.3012% | 3,194 |
| Net loans and leases to total assets | 74.9166% | 1,198 |
| Net loans and leases to deposits | 84.1514% | 2,004 |
| Net loans and leases to core deposits | 102.7024% | 1,149 |
| Total domestic deposits to total assets | 89.0260% | 1,760 |
| Equity capital to assets | 9.6606% | 4,237 |
| Core capital (leverage) ratio | 9.9197% | 3,246 |
| Tier 1 risk-based capital ratio | 12.5184% | 5,246 |
| Total risk-based capital ratio | 13.7758% | 5,222 |
| Memoranda: | ||
| Average total assets | $42,947,500 | 6,729 |
| Average earning assets | $38,578,000 | 6,735 |
| Average equity | $4,161,500 | 6,826 |
| Average total loans | $32,853,500 | 6,192 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9187% | 1,000 |
| Cost of funding earning assets | 1.6068% | 2,034 |
| Net interest margin | 4.3119% | 1,781 |
| Noninterest income to average assets | 0.4985% | 4,181 |
| Noninterest expense to average assets | 4.1256% | 997 |
| Loan and lease loss provision to assets | 0.3086% | 4,333 |
| Net operating income to assets | -0.0119% | 5,857 |
| Return on assets (ROA) | 0.0783% | 5,776 |
| Pretax return on assets | 0.0404% | 5,814 |
| Return on Equity (ROE) | 0.8174% | 5,748 |
| Retained earnings to average equity (ytd only) | 0.8174% | 5,144 |
| Net charge-offs to loans | 0.5651% | 3,357 |
| Credit loss provision to net charge-offs | 70.2703% | 5,860 |
| Earnings coverage of net charge-offs (x) | 0.5892% | 5,516 |
| Efficiency ratio | 94.0985% | 1,052 |
| Assets per employee ($millions) | 3.3100% | 5,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5925% | 3,601 |
| Loan loss allowance to noncurrent loans | 51.9250% | 4,896 |
| Noncurrent assets plus other real estate owned to assets | 6.1701% | 945 |
| Noncurrent loans to loans | 3.0670% | 2,487 |
| Net loans and leases to total assets | 75.5357% | 1,366 |
| Net loans and leases to deposits | 84.7227% | 2,336 |
| Net loans and leases to core deposits | 105.2899% | 1,238 |
| Total domestic deposits to total assets | 89.1564% | 1,561 |
| Equity capital to assets | 9.7188% | 4,095 |
| Core capital (leverage) ratio | 10.1898% | 2,875 |
| Tier 1 risk-based capital ratio | 12.8518% | 4,727 |
| Total risk-based capital ratio | 14.0724% | 4,723 |
| Memoranda: | ||
| Average total assets | $42,127,200 | 6,792 |
| Average earning assets | $37,964,600 | 6,793 |
| Average equity | $4,037,000 | 6,987 |
| Average total loans | $32,739,400 | 6,273 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0598% | 826 |
| Cost of funding earning assets | 1.6723% | 1,995 |
| Net interest margin | 4.3875% | 1,558 |
| Noninterest income to average assets | 0.4328% | 4,693 |
| Noninterest expense to average assets | 4.1461% | 881 |
| Loan and lease loss provision to assets | 0.1686% | 5,357 |
| Net operating income to assets | 0.1050% | 5,763 |
| Return on assets (ROA) | 0.2259% | 5,588 |
| Pretax return on assets | 0.1877% | 5,759 |
| Return on Equity (ROE) | 2.3661% | 5,471 |
| Retained earnings to average equity (ytd only) | 2.3661% | 4,752 |
| Net charge-offs to loans | 0.7143% | 2,636 |
| Credit loss provision to net charge-offs | 30.2857% | 6,149 |
| Earnings coverage of net charge-offs (x) | 0.4228% | 5,599 |
| Efficiency ratio | 94.6260% | 968 |
| Assets per employee ($millions) | 3.2539% | 5,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4493% | 4,207 |
| Loan loss allowance to noncurrent loans | 59.9217% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 5.6831% | 1,071 |
| Noncurrent loans to loans | 2.4186% | 3,213 |
| Net loans and leases to total assets | 73.7855% | 1,842 |
| Net loans and leases to deposits | 83.9913% | 2,707 |
| Net loans and leases to core deposits | 104.7453% | 1,420 |
| Total domestic deposits to total assets | 87.8490% | 2,050 |
| Equity capital to assets | 9.5624% | 4,752 |
| Core capital (leverage) ratio | 9.2660% | 4,255 |
| Tier 1 risk-based capital ratio | 12.0600% | 5,408 |
| Total risk-based capital ratio | 13.3122% | 5,378 |
| Memoranda: | ||
| Average total assets | $41,901,500 | 6,887 |
| Average earning assets | $37,712,000 | 6,887 |
| Average equity | $4,000,750 | 7,094 |
| Average total loans | $32,667,000 | 6,357 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0209% | 901 |
| Cost of funding earning assets | 1.7165% | 2,032 |
| Net interest margin | 4.3044% | 1,756 |
| Noninterest income to average assets | 0.4166% | 4,784 |
| Noninterest expense to average assets | 4.1850% | 825 |
| Loan and lease loss provision to assets | 0.0718% | 6,228 |
| Net operating income to assets | 0.1006% | 5,866 |
| Return on assets (ROA) | 0.1484% | 5,843 |
| Pretax return on assets | 0.1101% | 5,956 |
| Return on Equity (ROE) | 1.5554% | 5,781 |
| Retained earnings to average equity (ytd only) | 1.5554% | 5,085 |
| Net charge-offs to loans | 0.2909% | 3,876 |
| Credit loss provision to net charge-offs | 31.2500% | 5,714 |
| Earnings coverage of net charge-offs (x) | 0.5833% | 5,154 |
| Efficiency ratio | 96.8958% | 920 |
| Assets per employee ($millions) | 3.8149% | 4,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6660% | 3,204 |
| Loan loss allowance to noncurrent loans | 52.9981% | 4,763 |
| Noncurrent assets plus other real estate owned to assets | 6.3674% | 893 |
| Noncurrent loans to loans | 3.1434% | 2,549 |
| Net loans and leases to total assets | 77.0804% | 1,281 |
| Net loans and leases to deposits | 87.2872% | 2,293 |
| Net loans and leases to core deposits | 109.0045% | 1,232 |
| Total domestic deposits to total assets | 88.3066% | 1,825 |
| Equity capital to assets | 9.5868% | 4,571 |
| Core capital (leverage) ratio | 9.4961% | 3,827 |
| Tier 1 risk-based capital ratio | 11.3801% | 5,882 |
| Total risk-based capital ratio | 12.6335% | 5,858 |
| Memoranda: | ||
| Average total assets | $41,768,330 | 6,939 |
| Average earning assets | $37,868,000 | 6,932 |
| Average equity | $3,986,000 | 7,128 |
| Average total loans | $32,999,000 | 6,384 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1183% | 753 |
| Cost of funding earning assets | 1.7889% | 1,923 |
| Net interest margin | 4.3294% | 1,599 |
| Noninterest income to average assets | 0.4320% | 4,647 |
| Noninterest expense to average assets | 4.2716% | 742 |
| Loan and lease loss provision to assets | 0.0768% | 5,875 |
| Net operating income to assets | 0.0096% | 6,262 |
| Return on assets (ROA) | 0.0096% | 6,373 |
| Pretax return on assets | 0.0096% | 6,331 |
| Return on Equity (ROE) | 0.1008% | 6,377 |
| Retained earnings to average equity (ytd only) | 0.1008% | 5,781 |
| Net charge-offs to loans | 0.2663% | 3,346 |
| Credit loss provision to net charge-offs | 36.3636% | 4,709 |
| Earnings coverage of net charge-offs (x) | 0.4091% | 4,669 |
| Efficiency ratio | 98.0176% | 922 |
| Assets per employee ($millions) | 3.7675% | 4,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7324% | 2,953 |
| Loan loss allowance to noncurrent loans | 33.0612% | 6,202 |
| Noncurrent assets plus other real estate owned to assets | 7.9967% | 616 |
| Noncurrent loans to loans | 5.2400% | 1,360 |
| Net loans and leases to total assets | 77.6073% | 1,220 |
| Net loans and leases to deposits | 87.8743% | 2,245 |
| Net loans and leases to core deposits | 106.6627% | 1,524 |
| Total domestic deposits to total assets | 88.3162% | 1,895 |
| Equity capital to assets | 9.5362% | 4,474 |
| Core capital (leverage) ratio | 9.5409% | 3,708 |
| Tier 1 risk-based capital ratio | 11.0555% | 6,108 |
| Total risk-based capital ratio | 12.3100% | 6,071 |
| Memoranda: | ||
| Average total assets | $41,670,500 | 7,032 |
| Average earning assets | $37,788,500 | 7,027 |
| Average equity | $3,967,500 | 7,201 |
| Average total loans | $33,051,500 | 6,462 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0799% | 1,576 |
| Cost of funding earning assets | 2.2583% | 1,810 |
| Net interest margin | 3.8216% | 3,615 |
| Noninterest income to average assets | 0.4760% | 4,605 |
| Noninterest expense to average assets | 4.4380% | 847 |
| Loan and lease loss provision to assets | 0.3817% | 4,499 |
| Net operating income to assets | -0.5783% | 6,246 |
| Return on assets (ROA) | -0.5634% | 6,233 |
| Pretax return on assets | -0.8692% | 6,320 |
| Return on Equity (ROE) | -6.1049% | 6,316 |
| Retained earnings to average equity (ytd only) | -6.1049% | 6,158 |
| Net charge-offs to loans | 0.5240% | 3,685 |
| Credit loss provision to net charge-offs | 93.7853% | 5,862 |
| Earnings coverage of net charge-offs (x) | -1.2542% | 6,922 |
| Efficiency ratio | 112.9977% | 741 |
| Assets per employee ($millions) | 3.8090% | 4,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7409% | 2,744 |
| Loan loss allowance to noncurrent loans | 44.1489% | 5,465 |
| Noncurrent assets plus other real estate owned to assets | 7.1505% | 700 |
| Noncurrent loans to loans | 3.9432% | 1,880 |
| Net loans and leases to total assets | 78.2668% | 1,329 |
| Net loans and leases to deposits | 89.8094% | 2,242 |
| Net loans and leases to core deposits | 157.4165% | 373 |
| Total domestic deposits to total assets | 87.1477% | 2,415 |
| Equity capital to assets | 9.5062% | 4,406 |
| Core capital (leverage) ratio | 9.4659% | 3,764 |
| Tier 1 risk-based capital ratio | 10.9418% | 5,969 |
| Total risk-based capital ratio | 12.1975% | 5,940 |
| Memoranda: | ||
| Average total assets | $43,488,200 | 6,966 |
| Average earning assets | $39,276,800 | 6,967 |
| Average equity | $4,013,200 | 7,288 |
| Average total loans | $33,777,000 | 6,411 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0839% | 1,709 |
| Cost of funding earning assets | 2.3521% | 1,800 |
| Net interest margin | 3.7318% | 3,940 |
| Noninterest income to average assets | 0.4831% | 4,642 |
| Noninterest expense to average assets | 4.5511% | 700 |
| Loan and lease loss provision to assets | 0.4132% | 3,842 |
| Net operating income to assets | -0.7505% | 6,646 |
| Return on assets (ROA) | -0.7383% | 6,650 |
| Pretax return on assets | -1.0937% | 6,754 |
| Return on Equity (ROE) | -8.0579% | 6,736 |
| Retained earnings to average equity (ytd only) | -8.0579% | 6,609 |
| Net charge-offs to loans | 0.6887% | 2,630 |
| Credit loss provision to net charge-offs | 77.7143% | 5,816 |
| Earnings coverage of net charge-offs (x) | -1.3143% | 6,683 |
| Efficiency ratio | 118.1388% | 622 |
| Assets per employee ($millions) | 3.5154% | 4,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6956% | 2,648 |
| Loan loss allowance to noncurrent loans | 57.7847% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 6.0306% | 889 |
| Noncurrent loans to loans | 2.9344% | 2,595 |
| Net loans and leases to total assets | 75.9986% | 1,995 |
| Net loans and leases to deposits | 85.1120% | 3,479 |
| Net loans and leases to core deposits | 145.8864% | 688 |
| Total domestic deposits to total assets | 89.2924% | 1,062 |
| Equity capital to assets | 9.3754% | 4,919 |
| Core capital (leverage) ratio | 9.1652% | 4,391 |
| Tier 1 risk-based capital ratio | 11.0383% | 5,911 |
| Total risk-based capital ratio | 12.2905% | 5,869 |
| Memoranda: | ||
| Average total assets | $43,885,500 | 7,001 |
| Average earning assets | $39,622,750 | 7,010 |
| Average equity | $4,020,750 | 7,346 |
| Average total loans | $33,877,750 | 6,453 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7632% | 3,230 |
| Cost of funding earning assets | 2.4180% | 1,888 |
| Net interest margin | 3.3453% | 5,385 |
| Noninterest income to average assets | 0.4904% | 4,529 |
| Noninterest expense to average assets | 4.8321% | 584 |
| Loan and lease loss provision to assets | 0.6029% | 2,642 |
| Net operating income to assets | -1.3917% | 7,197 |
| Return on assets (ROA) | -1.3723% | 7,197 |
| Pretax return on assets | -1.8987% | 7,247 |
| Return on Equity (ROE) | -15.0890% | 7,333 |
| Retained earnings to average equity (ytd only) | -15.0890% | 7,242 |
| Net charge-offs to loans | 0.7464% | 2,188 |
| Credit loss provision to net charge-offs | 104.6875% | 4,390 |
| Earnings coverage of net charge-offs (x) | -2.2969% | 6,368 |
| Efficiency ratio | 137.6923% | 454 |
| Assets per employee ($millions) | 3.4012% | 5,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7924% | 2,067 |
| Loan loss allowance to noncurrent loans | 38.1134% | 5,868 |
| Noncurrent assets plus other real estate owned to assets | 7.1243% | 584 |
| Noncurrent loans to loans | 4.7028% | 1,342 |
| Net loans and leases to total assets | 74.1038% | 2,675 |
| Net loans and leases to deposits | 81.9023% | 4,242 |
| Net loans and leases to core deposits | 136.7259% | 1,176 |
| Total domestic deposits to total assets | 90.4783% | 639 |
| Equity capital to assets | 8.8092% | 5,585 |
| Core capital (leverage) ratio | 9.0552% | 4,545 |
| Tier 1 risk-based capital ratio | 10.1936% | 6,725 |
| Total risk-based capital ratio | 11.4469% | 6,646 |
| Memoranda: | ||
| Average total assets | $44,452,330 | 7,040 |
| Average earning assets | $40,116,330 | 7,049 |
| Average equity | $4,042,670 | 7,397 |
| Average total loans | $34,299,330 | 6,485 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6956% | 3,828 |
| Cost of funding earning assets | 2.5590% | 1,706 |
| Net interest margin | 3.1366% | 6,081 |
| Noninterest income to average assets | 0.3590% | 5,574 |
| Noninterest expense to average assets | 4.3975% | 789 |
| Loan and lease loss provision to assets | 0.2244% | 4,211 |
| Net operating income to assets | -1.4359% | 7,471 |
| Return on assets (ROA) | -1.4359% | 7,486 |
| Pretax return on assets | -1.4359% | 7,342 |
| Return on Equity (ROE) | -15.5472% | 7,627 |
| Retained earnings to average equity (ytd only) | -15.5472% | 7,463 |
| Net charge-offs to loans | 0.3682% | 2,622 |
| Credit loss provision to net charge-offs | 78.1250% | 4,220 |
| Earnings coverage of net charge-offs (x) | -4.2188% | 5,545 |
| Efficiency ratio | 138.0282% | 427 |
| Assets per employee ($millions) | 3.0189% | 6,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7055% | 2,129 |
| Loan loss allowance to noncurrent loans | 28.4395% | 6,655 |
| Noncurrent assets plus other real estate owned to assets | 8.7093% | 304 |
| Noncurrent loans to loans | 5.9971% | 805 |
| Net loans and leases to total assets | 79.7705% | 1,434 |
| Net loans and leases to deposits | 89.2640% | 3,054 |
| Net loans and leases to core deposits | 147.3622% | 801 |
| Total domestic deposits to total assets | 89.3647% | 1,072 |
| Equity capital to assets | 9.5895% | 4,544 |
| Core capital (leverage) ratio | 9.0088% | 4,698 |
| Tier 1 risk-based capital ratio | 10.7973% | 6,098 |
| Total risk-based capital ratio | 12.0504% | 5,998 |
| Memoranda: | ||
| Average total assets | $44,571,000 | 7,077 |
| Average earning assets | $40,171,500 | 7,091 |
| Average equity | $4,116,500 | 7,410 |
| Average total loans | $34,767,500 | 6,507 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8848% | 1,443 |
| Cost of funding earning assets | 2.8620% | 2,434 |
| Net interest margin | 4.0228% | 3,014 |
| Noninterest income to average assets | 0.5913% | 3,902 |
| Noninterest expense to average assets | 4.8663% | 680 |
| Loan and lease loss provision to assets | 0.3517% | 3,580 |
| Net operating income to assets | -0.5649% | 6,974 |
| Return on assets (ROA) | -0.5649% | 6,864 |
| Pretax return on assets | -0.9935% | 6,997 |
| Return on Equity (ROE) | -5.8163% | 6,947 |
| Retained earnings to average equity (ytd only) | -5.8163% | 6,643 |
| Net charge-offs to loans | 0.4222% | 2,708 |
| Credit loss provision to net charge-offs | 114.2857% | 4,724 |
| Earnings coverage of net charge-offs (x) | -2.0857% | 6,711 |
| Efficiency ratio | 115.1925% | 624 |
| Assets per employee ($millions) | 2.7575% | 6,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6801% | 1,964 |
| Loan loss allowance to noncurrent loans | 53.6718% | 5,305 |
| Noncurrent assets plus other real estate owned to assets | 5.4035% | 607 |
| Noncurrent loans to loans | 3.1304% | 1,689 |
| Net loans and leases to total assets | 73.9019% | 3,125 |
| Net loans and leases to deposits | 81.8268% | 4,751 |
| Net loans and leases to core deposits | 129.7880% | 1,866 |
| Total domestic deposits to total assets | 90.3151% | 544 |
| Equity capital to assets | 8.9170% | 5,474 |
| Core capital (leverage) ratio | 9.2405% | 4,378 |
| Tier 1 risk-based capital ratio | 9.9663% | 6,771 |
| Total risk-based capital ratio | 11.2189% | 6,656 |
| Memoranda: | ||
| Average total assets | $45,496,400 | 6,957 |
| Average earning assets | $41,090,400 | 6,988 |
| Average equity | $4,418,600 | 7,354 |
| Average total loans | $33,159,400 | 6,533 |