Home > Crowell State Bank > Performance and Condition Ratios
Crowell State 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 | 5.1325% | 1,787 |
| Cost of funding earning assets | 0.6354% | 4,023 |
| Net interest margin | 4.4971% | 620 |
| Noninterest income to average assets | 1.0500% | 589 |
| Noninterest expense to average assets | 3.3809% | 671 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.7950% | 618 |
| Return on assets (ROA) | 1.7950% | 596 |
| Pretax return on assets | 1.7950% | 896 |
| Return on Equity (ROE) | 18.2700% | 784 |
| Retained earnings to average equity (ytd only) | 5.2333% | 2,518 |
| Net charge-offs to loans | -0.1008% | 4,496 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 64.8287% | 2,503 |
| Assets per employee ($millions) | 4.6516% | 3,853 |
| Cash dividends to net income (ytd only)* | 71.3592% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1133% | 2,768 |
| Loan loss allowance to noncurrent loans | 65.0000% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 0.9029% | 553 |
| Noncurrent loans to loans | 1.7127% | 362 |
| Net loans and leases to total assets | 52.1300% | 3,472 |
| Net loans and leases to deposits | 58.3217% | 3,617 |
| Net loans and leases to core deposits | 62.7027% | 3,648 |
| Total domestic deposits to total assets | 89.3800% | 954 |
| Equity capital to assets | 9.9901% | 2,016 |
| Core capital (leverage) ratio | 10.9194% | 2,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $45,904,800 | 4,347 |
| Average earning assets | $42,494,000 | 4,319 |
| Average equity | $4,509,600 | 4,305 |
| Average total loans | $23,820,400 | 4,238 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9227% | 2,014 |
| Cost of funding earning assets | 0.5595% | 4,046 |
| Net interest margin | 4.3632% | 739 |
| Noninterest income to average assets | 1.2000% | 498 |
| Noninterest expense to average assets | 3.1852% | 839 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 2.0370% | 478 |
| Return on assets (ROA) | 2.0370% | 470 |
| Pretax return on assets | 2.0370% | 723 |
| Return on Equity (ROE) | 20.8300% | 652 |
| Retained earnings to average equity (ytd only) | 16.4158% | 433 |
| Net charge-offs to loans | -0.1522% | 4,549 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.7222% | 2,884 |
| Assets per employee ($millions) | 4.5550% | 3,907 |
| Cash dividends to net income (ytd only)* | 21.1731% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0861% | 2,930 |
| Loan loss allowance to noncurrent loans | 63.1829% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 0.9243% | 578 |
| Noncurrent loans to loans | 1.7190% | 389 |
| Net loans and leases to total assets | 53.1800% | 3,410 |
| Net loans and leases to deposits | 59.7587% | 3,516 |
| Net loans and leases to core deposits | 65.7234% | 3,445 |
| Total domestic deposits to total assets | 89.0000% | 1,249 |
| Equity capital to assets | 10.4435% | 1,579 |
| Core capital (leverage) ratio | 11.7063% | 1,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $45,752,000 | 4,362 |
| Average earning assets | $42,414,750 | 4,344 |
| Average equity | $4,475,250 | 4,316 |
| Average total loans | $23,645,000 | 4,259 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5685% | 2,485 |
| Cost of funding earning assets | 0.4423% | 4,095 |
| Net interest margin | 4.1262% | 1,044 |
| Noninterest income to average assets | 1.4200% | 347 |
| Noninterest expense to average assets | 3.2956% | 693 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.9424% | 513 |
| Return on assets (ROA) | 1.9424% | 510 |
| Pretax return on assets | 1.9424% | 817 |
| Return on Equity (ROE) | 20.3100% | 679 |
| Retained earnings to average equity (ytd only) | 16.8898% | 397 |
| Net charge-offs to loans | -0.2739% | 4,604 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 62.7598% | 2,617 |
| Assets per employee ($millions) | 4.4071% | 4,006 |
| Cash dividends to net income (ytd only)* | 16.8539% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1576% | 2,671 |
| Loan loss allowance to noncurrent loans | 61.9159% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 0.8829% | 557 |
| Noncurrent loans to loans | 1.8696% | 315 |
| Net loans and leases to total assets | 46.6800% | 3,760 |
| Net loans and leases to deposits | 51.8017% | 3,850 |
| Net loans and leases to core deposits | 56.9688% | 3,771 |
| Total domestic deposits to total assets | 90.1100% | 898 |
| Equity capital to assets | 9.4393% | 2,200 |
| Core capital (leverage) ratio | 11.3285% | 1,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $45,819,333 | 4,382 |
| Average earning assets | $42,508,333 | 4,369 |
| Average equity | $4,381,333 | 4,352 |
| Average total loans | $23,363,000 | 4,279 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4944% | 2,327 |
| Cost of funding earning assets | 0.3794% | 4,012 |
| Net interest margin | 4.1150% | 1,076 |
| Noninterest income to average assets | 1.7500% | 276 |
| Noninterest expense to average assets | 3.4345% | 583 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 2.0949% | 431 |
| Return on assets (ROA) | 2.0949% | 425 |
| Pretax return on assets | 2.0949% | 662 |
| Return on Equity (ROE) | 21.7600% | 600 |
| Retained earnings to average equity (ytd only) | 21.7554% | 297 |
| Net charge-offs to loans | -0.4746% | 4,654 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.8123% | 2,721 |
| Assets per employee ($millions) | 3.9700% | 4,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0978% | 3,071 |
| Loan loss allowance to noncurrent loans | 50.9690% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 1.1816% | 312 |
| Noncurrent loans to loans | 2.1538% | 251 |
| Net loans and leases to total assets | 54.2600% | 3,181 |
| Net loans and leases to deposits | 60.7004% | 3,294 |
| Net loans and leases to core deposits | 63.4540% | 3,370 |
| Total domestic deposits to total assets | 89.3900% | 1,384 |
| Equity capital to assets | 10.1740% | 1,733 |
| Core capital (leverage) ratio | 11.3038% | 1,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $44,490,000 | 4,468 |
| Average earning assets | $41,117,500 | 4,447 |
| Average equity | $4,284,000 | 4,423 |
| Average total loans | $23,598,000 | 4,335 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8589% | 2,101 |
| Cost of funding earning assets | 0.1835% | 3,882 |
| Net interest margin | 3.6754% | 1,440 |
| Noninterest income to average assets | 0.9200% | 756 |
| Noninterest expense to average assets | 3.0614% | 885 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.1836% | 1,844 |
| Return on assets (ROA) | 1.1836% | 1,774 |
| Pretax return on assets | 1.1836% | 2,493 |
| Return on Equity (ROE) | 13.1700% | 1,753 |
| Retained earnings to average equity (ytd only) | 6.0100% | 2,644 |
| Net charge-offs to loans | 0.0687% | 960 |
| Credit loss provision to net charge-offs | 168.7500% | 1,221 |
| Earnings coverage of net charge-offs (x) | 36.7500% | 1,558 |
| Efficiency ratio | 71.1623% | 1,547 |
| Assets per employee ($millions) | 4.5310% | 4,015 |
| Cash dividends to net income (ytd only)* | 54.3672% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9941% | 3,425 |
| Loan loss allowance to noncurrent loans | 44.5087% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 1.1454% | 338 |
| Noncurrent loans to loans | 2.2334% | 227 |
| Net loans and leases to total assets | 50.7800% | 3,452 |
| Net loans and leases to deposits | 56.1516% | 3,568 |
| Net loans and leases to core deposits | 59.0211% | 3,552 |
| Total domestic deposits to total assets | 90.4300% | 1,184 |
| Equity capital to assets | 9.1040% | 2,295 |
| Core capital (leverage) ratio | 10.5086% | 2,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $47,396,000 | 4,462 |
| Average earning assets | $43,587,400 | 4,440 |
| Average equity | $4,259,600 | 4,501 |
| Average total loans | $23,291,800 | 4,353 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6888% | 2,075 |
| Cost of funding earning assets | 0.1666% | 3,663 |
| Net interest margin | 3.5222% | 1,603 |
| Noninterest income to average assets | 0.8300% | 974 |
| Noninterest expense to average assets | 2.7797% | 1,287 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.2271% | 1,600 |
| Return on assets (ROA) | 1.2271% | 1,574 |
| Pretax return on assets | 1.2271% | 2,266 |
| Return on Equity (ROE) | 13.7000% | 1,508 |
| Retained earnings to average equity (ytd only) | 10.8384% | 1,096 |
| Net charge-offs to loans | 0.1030% | 604 |
| Credit loss provision to net charge-offs | 122.2222% | 1,211 |
| Earnings coverage of net charge-offs (x) | 25.7222% | 1,599 |
| Efficiency ratio | 68.3311% | 1,974 |
| Assets per employee ($millions) | 4.5742% | 4,003 |
| Cash dividends to net income (ytd only)* | 20.8617% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9803% | 3,574 |
| Loan loss allowance to noncurrent loans | 55.0369% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 0.8898% | 541 |
| Noncurrent loans to loans | 1.7813% | 364 |
| Net loans and leases to total assets | 49.4600% | 3,499 |
| Net loans and leases to deposits | 54.7450% | 3,562 |
| Net loans and leases to core deposits | 57.3307% | 3,543 |
| Total domestic deposits to total assets | 90.3500% | 1,502 |
| Equity capital to assets | 9.1360% | 2,124 |
| Core capital (leverage) ratio | 10.4167% | 2,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $47,917,500 | 4,494 |
| Average earning assets | $44,024,500 | 4,471 |
| Average equity | $4,293,250 | 4,543 |
| Average total loans | $23,305,250 | 4,388 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6169% | 1,786 |
| Cost of funding earning assets | 0.1617% | 3,421 |
| Net interest margin | 3.4551% | 1,436 |
| Noninterest income to average assets | 0.7606% | 1,150 |
| Noninterest expense to average assets | 2.7466% | 1,279 |
| Loan and lease loss provision to assets | 0.0658% | 1,430 |
| Net operating income to assets | 1.1101% | 1,736 |
| Return on assets (ROA) | 1.1101% | 1,714 |
| Pretax return on assets | 1.1101% | 2,369 |
| Return on Equity (ROE) | 12.4673% | 1,536 |
| Retained earnings to average equity (ytd only) | 10.3432% | 938 |
| Net charge-offs to loans | 0.1535% | 419 |
| Credit loss provision to net charge-offs | 88.8889% | 1,348 |
| Earnings coverage of net charge-offs (x) | 15.8889% | 1,632 |
| Efficiency ratio | 70.0210% | 1,953 |
| Assets per employee ($millions) | 4.8393% | 3,821 |
| Cash dividends to net income (ytd only)* | 17.0370% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9614% | 3,758 |
| Loan loss allowance to noncurrent loans | 63.3721% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 0.7790% | 667 |
| Noncurrent loans to loans | 1.5171% | 487 |
| Net loans and leases to total assets | 46.4055% | 3,686 |
| Net loans and leases to deposits | 51.0700% | 3,755 |
| Net loans and leases to core deposits | 54.9420% | 3,642 |
| Total domestic deposits to total assets | 90.8664% | 1,298 |
| Equity capital to assets | 8.6583% | 2,646 |
| Core capital (leverage) ratio | 9.6027% | 2,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,642,667 | 4,528 |
| Average earning assets | $44,513,667 | 4,527 |
| Average equity | $4,331,333 | 4,587 |
| Average total loans | $23,457,333 | 4,441 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6959% | 1,279 |
| Cost of funding earning assets | 0.1521% | 3,481 |
| Net interest margin | 3.5437% | 998 |
| Noninterest income to average assets | 0.5988% | 1,702 |
| Noninterest expense to average assets | 2.6985% | 1,367 |
| Loan and lease loss provision to assets | 0.0246% | 1,918 |
| Net operating income to assets | 1.1237% | 1,462 |
| Return on assets (ROA) | 1.1237% | 1,456 |
| Pretax return on assets | 1.1237% | 2,069 |
| Return on Equity (ROE) | 12.4489% | 1,181 |
| Retained earnings to average equity (ytd only) | 12.4489% | 537 |
| Net charge-offs to loans | 0.3690% | 179 |
| Credit loss provision to net charge-offs | 13.6364% | 1,310 |
| Earnings coverage of net charge-offs (x) | 6.3636% | 1,571 |
| Efficiency ratio | 70.1493% | 2,207 |
| Assets per employee ($millions) | 5.0083% | 3,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8427% | 4,164 |
| Loan loss allowance to noncurrent loans | 61.4679% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 0.7188% | 784 |
| Noncurrent loans to loans | 1.3710% | 627 |
| Net loans and leases to total assets | 47.2236% | 3,466 |
| Net loans and leases to deposits | 51.9562% | 3,572 |
| Net loans and leases to core deposits | 60.2420% | 3,124 |
| Total domestic deposits to total assets | 90.8911% | 1,090 |
| Equity capital to assets | 8.6676% | 3,009 |
| Core capital (leverage) ratio | 9.7914% | 2,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,767,500 | 4,552 |
| Average earning assets | $44,698,500 | 4,554 |
| Average equity | $4,402,000 | 4,623 |
| Average total loans | $23,848,500 | 4,454 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2265% | 951 |
| Cost of funding earning assets | 0.1795% | 3,663 |
| Net interest margin | 4.0470% | 645 |
| Noninterest income to average assets | 0.6123% | 2,103 |
| Noninterest expense to average assets | 2.8455% | 1,256 |
| Loan and lease loss provision to assets | 0.0728% | 1,643 |
| Net operating income to assets | 1.4110% | 1,243 |
| Return on assets (ROA) | 1.4110% | 1,306 |
| Pretax return on assets | 1.4110% | 2,014 |
| Return on Equity (ROE) | 14.3236% | 1,098 |
| Retained earnings to average equity (ytd only) | 4.6514% | 2,946 |
| Net charge-offs to loans | 0.0682% | 1,113 |
| Credit loss provision to net charge-offs | 212.5000% | 1,277 |
| Earnings coverage of net charge-offs (x) | 43.3125% | 1,389 |
| Efficiency ratio | 65.7270% | 2,299 |
| Assets per employee ($millions) | 4.7452% | 3,931 |
| Cash dividends to net income (ytd only)* | 67.5266% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9226% | 4,009 |
| Loan loss allowance to noncurrent loans | 123.5955% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 0.4489% | 1,473 |
| Noncurrent loans to loans | 0.7465% | 1,364 |
| Net loans and leases to total assets | 49.7872% | 3,309 |
| Net loans and leases to deposits | 55.2567% | 3,490 |
| Net loans and leases to core deposits | 63.7617% | 3,001 |
| Total domestic deposits to total assets | 90.1016% | 910 |
| Equity capital to assets | 9.4053% | 3,216 |
| Core capital (leverage) ratio | 9.3626% | 3,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,705,800 | 4,595 |
| Average earning assets | $42,896,400 | 4,583 |
| Average equity | $4,600,800 | 4,662 |
| Average total loans | $23,463,800 | 4,505 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3844% | 831 |
| Cost of funding earning assets | 0.1879% | 3,729 |
| Net interest margin | 4.1965% | 548 |
| Noninterest income to average assets | 0.6219% | 2,126 |
| Noninterest expense to average assets | 2.5738% | 1,918 |
| Loan and lease loss provision to assets | 0.0838% | 1,421 |
| Net operating income to assets | 1.8057% | 658 |
| Return on assets (ROA) | 1.8057% | 686 |
| Pretax return on assets | 1.8057% | 1,152 |
| Return on Equity (ROE) | 18.1215% | 615 |
| Retained earnings to average equity (ytd only) | 13.1165% | 620 |
| Net charge-offs to loans | 0.0913% | 790 |
| Credit loss provision to net charge-offs | 181.2500% | 1,255 |
| Earnings coverage of net charge-offs (x) | 41.1875% | 1,349 |
| Efficiency ratio | 57.6750% | 3,322 |
| Assets per employee ($millions) | 4.7209% | 3,945 |
| Cash dividends to net income (ytd only)* | 27.6190% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9016% | 4,147 |
| Loan loss allowance to noncurrent loans | 535.0000% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.1589% | 3,057 |
| Noncurrent loans to loans | 0.1685% | 3,275 |
| Net loans and leases to total assets | 49.8231% | 3,430 |
| Net loans and leases to deposits | 55.7740% | 3,594 |
| Net loans and leases to core deposits | 64.4800% | 3,087 |
| Total domestic deposits to total assets | 89.3304% | 1,106 |
| Equity capital to assets | 10.1633% | 2,745 |
| Core capital (leverage) ratio | 10.2461% | 2,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,519,250 | 4,662 |
| Average earning assets | $42,573,750 | 4,647 |
| Average equity | $4,635,250 | 4,726 |
| Average total loans | $23,368,500 | 4,563 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6559% | 572 |
| Cost of funding earning assets | 0.1971% | 3,783 |
| Net interest margin | 4.4588% | 385 |
| Noninterest income to average assets | 0.6135% | 2,157 |
| Noninterest expense to average assets | 2.5794% | 1,911 |
| Loan and lease loss provision to assets | 0.1037% | 1,218 |
| Net operating income to assets | 2.0350% | 461 |
| Return on assets (ROA) | 2.0350% | 484 |
| Pretax return on assets | 2.0350% | 780 |
| Return on Equity (ROE) | 20.5632% | 414 |
| Retained earnings to average equity (ytd only) | 16.2847% | 317 |
| Net charge-offs to loans | 0.0086% | 1,815 |
| Credit loss provision to net charge-offs | 2,400.0000% | 255 |
| Earnings coverage of net charge-offs (x) | 495.0000% | 268 |
| Efficiency ratio | 54.6703% | 3,720 |
| Assets per employee ($millions) | 4.7920% | 3,847 |
| Cash dividends to net income (ytd only)* | 20.8068% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9669% | 3,941 |
| Loan loss allowance to noncurrent loans | 281.2500% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.2504% | 2,676 |
| Noncurrent loans to loans | 0.3438% | 2,675 |
| Net loans and leases to total assets | 48.0906% | 3,716 |
| Net loans and leases to deposits | 53.6804% | 3,879 |
| Net loans and leases to core deposits | 61.5518% | 3,504 |
| Total domestic deposits to total assets | 89.5868% | 981 |
| Equity capital to assets | 9.8623% | 2,987 |
| Core capital (leverage) ratio | 10.1274% | 2,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,289,333 | 4,691 |
| Average earning assets | $42,612,333 | 4,676 |
| Average equity | $4,581,000 | 4,764 |
| Average total loans | $23,246,333 | 4,604 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8034% | 485 |
| Cost of funding earning assets | 0.2113% | 3,814 |
| Net interest margin | 4.5920% | 319 |
| Noninterest income to average assets | 0.6333% | 2,081 |
| Noninterest expense to average assets | 2.6477% | 1,747 |
| Loan and lease loss provision to assets | 0.0528% | 2,052 |
| Net operating income to assets | 2.1375% | 455 |
| Return on assets (ROA) | 2.1375% | 496 |
| Pretax return on assets | 2.1375% | 759 |
| Return on Equity (ROE) | 21.5593% | 426 |
| Retained earnings to average equity (ytd only) | 20.0510% | 272 |
| Net charge-offs to loans | 0.0516% | 990 |
| Credit loss provision to net charge-offs | 200.0000% | 884 |
| Earnings coverage of net charge-offs (x) | 83.0000% | 684 |
| Efficiency ratio | 54.7273% | 3,708 |
| Assets per employee ($millions) | 4.5201% | 4,084 |
| Cash dividends to net income (ytd only)* | 6.9959% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8600% | 4,274 |
| Loan loss allowance to noncurrent loans | 816.0000% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.4004% | 2,204 |
| Noncurrent loans to loans | 0.1054% | 3,784 |
| Net loans and leases to total assets | 52.0276% | 3,448 |
| Net loans and leases to deposits | 58.3172% | 3,620 |
| Net loans and leases to core deposits | 67.4923% | 3,106 |
| Total domestic deposits to total assets | 89.2148% | 1,224 |
| Equity capital to assets | 10.1900% | 2,527 |
| Core capital (leverage) ratio | 10.0513% | 2,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,474,000 | 4,721 |
| Average earning assets | $41,637,500 | 4,712 |
| Average equity | $4,508,500 | 4,791 |
| Average total loans | $23,234,500 | 4,631 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5618% | 1,176 |
| Cost of funding earning assets | 0.4152% | 3,491 |
| Net interest margin | 4.1466% | 716 |
| Noninterest income to average assets | 0.7146% | 1,815 |
| Noninterest expense to average assets | 3.0757% | 1,278 |
| Loan and lease loss provision to assets | 0.0717% | 3,488 |
| Net operating income to assets | 1.3144% | 1,210 |
| Return on assets (ROA) | 1.3144% | 1,310 |
| Pretax return on assets | 1.3144% | 1,924 |
| Return on Equity (ROE) | 12.4875% | 1,177 |
| Retained earnings to average equity (ytd only) | 4.6544% | 2,448 |
| Net charge-offs to loans | 0.1704% | 976 |
| Credit loss provision to net charge-offs | 76.9231% | 3,003 |
| Earnings coverage of net charge-offs (x) | 14.8718% | 2,191 |
| Efficiency ratio | 68.9341% | 2,109 |
| Assets per employee ($millions) | 5.0830% | 3,303 |
| Cash dividends to net income (ytd only)* | 62.7273% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8836% | 4,235 |
| Loan loss allowance to noncurrent loans | 427.6596% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.4131% | 2,347 |
| Noncurrent loans to loans | 0.2066% | 3,462 |
| Net loans and leases to total assets | 49.2863% | 3,879 |
| Net loans and leases to deposits | 54.9070% | 4,075 |
| Net loans and leases to core deposits | 62.7753% | 3,786 |
| Total domestic deposits to total assets | 89.7633% | 654 |
| Equity capital to assets | 9.6422% | 3,463 |
| Core capital (leverage) ratio | 9.7572% | 2,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,844,000 | 4,747 |
| Average earning assets | $37,814,400 | 4,743 |
| Average equity | $4,404,400 | 4,810 |
| Average total loans | $22,888,400 | 4,664 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7402% | 985 |
| Cost of funding earning assets | 0.4559% | 3,493 |
| Net interest margin | 4.2842% | 609 |
| Noninterest income to average assets | 0.6231% | 2,089 |
| Noninterest expense to average assets | 2.7894% | 1,996 |
| Loan and lease loss provision to assets | 0.0489% | 3,741 |
| Net operating income to assets | 1.6475% | 649 |
| Return on assets (ROA) | 1.6475% | 723 |
| Pretax return on assets | 1.6475% | 1,071 |
| Return on Equity (ROE) | 15.2931% | 648 |
| Retained earnings to average equity (ytd only) | 11.7802% | 463 |
| Net charge-offs to loans | 0.1163% | 1,195 |
| Credit loss provision to net charge-offs | 75.0000% | 2,785 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,707 |
| Efficiency ratio | 62.1818% | 3,044 |
| Assets per employee ($millions) | 4.5691% | 3,759 |
| Cash dividends to net income (ytd only)* | 22.9703% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9096% | 4,039 |
| Loan loss allowance to noncurrent loans | 277.0270% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.5009% | 2,203 |
| Noncurrent loans to loans | 0.3283% | 3,107 |
| Net loans and leases to total assets | 54.3067% | 3,776 |
| Net loans and leases to deposits | 61.6140% | 3,952 |
| Net loans and leases to core deposits | 71.6297% | 3,508 |
| Total domestic deposits to total assets | 88.1402% | 1,153 |
| Equity capital to assets | 11.1473% | 2,286 |
| Core capital (leverage) ratio | 11.0779% | 1,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,868,250 | 4,786 |
| Average earning assets | $36,847,250 | 4,782 |
| Average equity | $4,402,750 | 4,835 |
| Average total loans | $22,923,500 | 4,691 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9051% | 966 |
| Cost of funding earning assets | 0.4796% | 3,661 |
| Net interest margin | 4.4255% | 587 |
| Noninterest income to average assets | 0.6424% | 1,968 |
| Noninterest expense to average assets | 2.9325% | 1,757 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.6919% | 632 |
| Return on assets (ROA) | 1.6919% | 683 |
| Pretax return on assets | 1.6919% | 1,016 |
| Return on Equity (ROE) | 15.8901% | 586 |
| Retained earnings to average equity (ytd only) | 13.1266% | 343 |
| Net charge-offs to loans | 0.1909% | 802 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 15.6818% | 1,897 |
| Efficiency ratio | 63.4146% | 2,895 |
| Assets per employee ($millions) | 4.1593% | 4,147 |
| Cash dividends to net income (ytd only)* | 17.3913% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8233% | 4,281 |
| Loan loss allowance to noncurrent loans | 295.3125% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.4712% | 2,433 |
| Noncurrent loans to loans | 0.2788% | 3,380 |
| Net loans and leases to total assets | 54.7376% | 3,812 |
| Net loans and leases to deposits | 61.8114% | 4,014 |
| Net loans and leases to core deposits | 72.3681% | 3,568 |
| Total domestic deposits to total assets | 88.5558% | 921 |
| Equity capital to assets | 10.7422% | 2,534 |
| Core capital (leverage) ratio | 11.0799% | 1,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,783,667 | 4,806 |
| Average earning assets | $36,696,667 | 4,806 |
| Average equity | $4,342,333 | 4,867 |
| Average total loans | $23,052,333 | 4,708 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9845% | 1,003 |
| Cost of funding earning assets | 0.4831% | 4,017 |
| Net interest margin | 4.5014% | 501 |
| Noninterest income to average assets | 0.7529% | 1,461 |
| Noninterest expense to average assets | 3.0412% | 1,780 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.7732% | 436 |
| Return on assets (ROA) | 1.7732% | 483 |
| Pretax return on assets | 1.7732% | 743 |
| Return on Equity (ROE) | 16.7309% | 362 |
| Retained earnings to average equity (ytd only) | 16.7309% | 124 |
| Net charge-offs to loans | -0.0173% | 4,284 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1687% | 3,347 |
| Assets per employee ($millions) | 3.9471% | 3,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9005% | 4,104 |
| Loan loss allowance to noncurrent loans | 185.0877% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.6232% | 2,140 |
| Noncurrent loans to loans | 0.4865% | 2,806 |
| Net loans and leases to total assets | 58.8305% | 3,607 |
| Net loans and leases to deposits | 66.7404% | 3,814 |
| Net loans and leases to core deposits | 81.2207% | 3,093 |
| Total domestic deposits to total assets | 88.1483% | 1,041 |
| Equity capital to assets | 11.0968% | 2,778 |
| Core capital (leverage) ratio | 10.6194% | 2,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,379,000 | 4,848 |
| Average earning assets | $36,433,000 | 4,843 |
| Average equity | $4,279,500 | 4,914 |
| Average total loans | $23,100,500 | 4,744 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1935% | 1,010 |
| Cost of funding earning assets | 0.4335% | 4,328 |
| Net interest margin | 4.7600% | 418 |
| Noninterest income to average assets | 0.9379% | 1,103 |
| Noninterest expense to average assets | 3.1667% | 1,600 |
| Loan and lease loss provision to assets | 0.0908% | 2,210 |
| Net operating income to assets | 2.0271% | 330 |
| Return on assets (ROA) | 2.0271% | 346 |
| Pretax return on assets | 2.0271% | 568 |
| Return on Equity (ROE) | 19.3074% | 250 |
| Retained earnings to average equity (ytd only) | 7.2523% | 1,276 |
| Net charge-offs to loans | 0.2205% | 928 |
| Credit loss provision to net charge-offs | 72.0000% | 2,889 |
| Earnings coverage of net charge-offs (x) | 16.8000% | 2,142 |
| Efficiency ratio | 59.9237% | 3,709 |
| Assets per employee ($millions) | 4.1287% | 3,720 |
| Cash dividends to net income (ytd only)* | 62.4378% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9223% | 3,868 |
| Loan loss allowance to noncurrent loans | 176.4706% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 0.8501% | 1,511 |
| Noncurrent loans to loans | 0.5226% | 2,618 |
| Net loans and leases to total assets | 54.6395% | 4,035 |
| Net loans and leases to deposits | 61.2950% | 4,227 |
| Net loans and leases to core deposits | 74.3123% | 3,694 |
| Total domestic deposits to total assets | 89.1419% | 614 |
| Equity capital to assets | 10.1218% | 3,813 |
| Core capital (leverage) ratio | 10.2921% | 3,197 |
| Tier 1 risk-based capital ratio | 16.8435% | 2,106 |
| Total risk-based capital ratio | 17.6905% | 2,179 |
| Memoranda: | ||
| Average total assets | $39,662,200 | 4,896 |
| Average earning assets | $36,218,400 | 4,889 |
| Average equity | $4,164,200 | 4,973 |
| Average total loans | $22,673,200 | 4,813 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2246% | 991 |
| Cost of funding earning assets | 0.4261% | 4,415 |
| Net interest margin | 4.7984% | 418 |
| Noninterest income to average assets | 0.9646% | 1,012 |
| Noninterest expense to average assets | 2.8734% | 2,333 |
| Loan and lease loss provision to assets | 0.1019% | 1,885 |
| Net operating income to assets | 2.3877% | 195 |
| Return on assets (ROA) | 2.3877% | 203 |
| Pretax return on assets | 2.3877% | 314 |
| Return on Equity (ROE) | 22.5288% | 145 |
| Retained earnings to average equity (ytd only) | 17.6577% | 72 |
| Net charge-offs to loans | 0.0530% | 2,077 |
| Credit loss provision to net charge-offs | 333.3333% | 884 |
| Earnings coverage of net charge-offs (x) | 81.4425% | 854 |
| Efficiency ratio | 53.5782% | 4,438 |
| Assets per employee ($millions) | 3.7284% | 4,245 |
| Cash dividends to net income (ytd only)* | 21.6214% | 2,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0856% | 3,105 |
| Loan loss allowance to noncurrent loans | 226.8519% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.9119% | 1,492 |
| Noncurrent loans to loans | 0.4786% | 2,861 |
| Net loans and leases to total assets | 59.8729% | 3,682 |
| Net loans and leases to deposits | 68.6165% | 3,874 |
| Net loans and leases to core deposits | 79.4526% | 3,429 |
| Total domestic deposits to total assets | 87.2573% | 1,403 |
| Equity capital to assets | 11.8898% | 2,336 |
| Core capital (leverage) ratio | 11.4002% | 2,297 |
| Tier 1 risk-based capital ratio | 18.1740% | 1,768 |
| Total risk-based capital ratio | 19.1802% | 1,781 |
| Memoranda: | ||
| Average total assets | $39,256,000 | 4,976 |
| Average earning assets | $35,983,000 | 4,968 |
| Average equity | $4,160,500 | 5,042 |
| Average total loans | $22,649,250 | 4,886 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1717% | 1,038 |
| Cost of funding earning assets | 0.4210% | 4,429 |
| Net interest margin | 4.7508% | 446 |
| Noninterest income to average assets | 0.9571% | 963 |
| Noninterest expense to average assets | 2.8963% | 2,293 |
| Loan and lease loss provision to assets | 0.1002% | 1,869 |
| Net operating income to assets | 2.3150% | 207 |
| Return on assets (ROA) | 2.3150% | 221 |
| Pretax return on assets | 2.3150% | 350 |
| Return on Equity (ROE) | 22.7045% | 145 |
| Retained earnings to average equity (ytd only) | 19.1662% | 69 |
| Net charge-offs to loans | 0.0706% | 1,657 |
| Credit loss provision to net charge-offs | 250.0000% | 1,009 |
| Earnings coverage of net charge-offs (x) | 60.2500% | 979 |
| Efficiency ratio | 54.5283% | 4,415 |
| Assets per employee ($millions) | 3.9483% | 3,938 |
| Cash dividends to net income (ytd only)* | 15.5844% | 3,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0842% | 3,152 |
| Loan loss allowance to noncurrent loans | 284.3373% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.7978% | 1,761 |
| Noncurrent loans to loans | 0.3813% | 3,159 |
| Net loans and leases to total assets | 54.5323% | 4,179 |
| Net loans and leases to deposits | 61.7022% | 4,343 |
| Net loans and leases to core deposits | 70.9634% | 4,065 |
| Total domestic deposits to total assets | 88.3798% | 932 |
| Equity capital to assets | 10.8274% | 3,246 |
| Core capital (leverage) ratio | 10.9829% | 2,615 |
| Tier 1 risk-based capital ratio | 17.1727% | 2,035 |
| Total risk-based capital ratio | 18.1189% | 2,068 |
| Memoranda: | ||
| Average total assets | $39,913,330 | 5,007 |
| Average earning assets | $36,583,670 | 4,998 |
| Average equity | $4,069,670 | 5,094 |
| Average total loans | $22,676,330 | 4,927 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9530% | 1,469 |
| Cost of funding earning assets | 0.4127% | 4,435 |
| Net interest margin | 4.5402% | 689 |
| Noninterest income to average assets | 0.9171% | 1,002 |
| Noninterest expense to average assets | 2.8010% | 2,565 |
| Loan and lease loss provision to assets | 0.1495% | 1,127 |
| Net operating income to assets | 2.1331% | 303 |
| Return on assets (ROA) | 2.1331% | 316 |
| Pretax return on assets | 2.1331% | 499 |
| Return on Equity (ROE) | 21.5780% | 190 |
| Retained earnings to average equity (ytd only) | 21.5780% | 77 |
| Net charge-offs to loans | 0.1902% | 732 |
| Credit loss provision to net charge-offs | 136.3636% | 1,315 |
| Earnings coverage of net charge-offs (x) | 20.8182% | 1,545 |
| Efficiency ratio | 55.0980% | 4,421 |
| Assets per employee ($millions) | 4.0501% | 3,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9877% | 3,784 |
| Loan loss allowance to noncurrent loans | 39.4247% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 1.4592% | 830 |
| Noncurrent loans to loans | 2.5053% | 522 |
| Net loans and leases to total assets | 57.6702% | 3,927 |
| Net loans and leases to deposits | 64.6811% | 4,143 |
| Net loans and leases to core deposits | 75.2287% | 3,714 |
| Total domestic deposits to total assets | 89.1608% | 787 |
| Equity capital to assets | 10.0763% | 3,746 |
| Core capital (leverage) ratio | 10.1376% | 3,446 |
| Tier 1 risk-based capital ratio | 16.4852% | 2,274 |
| Total risk-based capital ratio | 17.4248% | 2,323 |
| Memoranda: | ||
| Average total assets | $40,128,500 | 5,060 |
| Average earning assets | $36,826,500 | 5,043 |
| Average equity | $3,967,000 | 5,152 |
| Average total loans | $23,131,000 | 4,969 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8536% | 1,410 |
| Cost of funding earning assets | 0.4061% | 3,951 |
| Net interest margin | 4.4475% | 845 |
| Noninterest income to average assets | 0.9591% | 1,040 |
| Noninterest expense to average assets | 3.1462% | 1,684 |
| Loan and lease loss provision to assets | 0.0724% | 2,688 |
| Net operating income to assets | 1.8174% | 531 |
| Return on assets (ROA) | 1.8174% | 526 |
| Pretax return on assets | 1.8174% | 878 |
| Return on Equity (ROE) | 18.2351% | 369 |
| Retained earnings to average equity (ytd only) | 6.1994% | 2,090 |
| Net charge-offs to loans | 0.2729% | 710 |
| Credit loss provision to net charge-offs | 45.1613% | 3,236 |
| Earnings coverage of net charge-offs (x) | 11.7903% | 2,599 |
| Efficiency ratio | 62.4743% | 3,439 |
| Assets per employee ($millions) | 3.9756% | 3,925 |
| Cash dividends to net income (ytd only)* | 66.0028% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0101% | 3,618 |
| Loan loss allowance to noncurrent loans | 88.4170% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 0.6515% | 2,092 |
| Noncurrent loans to loans | 1.1424% | 1,404 |
| Net loans and leases to total assets | 56.4519% | 4,099 |
| Net loans and leases to deposits | 63.0581% | 4,310 |
| Net loans and leases to core deposits | 74.1672% | 3,841 |
| Total domestic deposits to total assets | 89.5236% | 649 |
| Equity capital to assets | 9.6916% | 3,960 |
| Core capital (leverage) ratio | 10.2247% | 3,333 |
| Tier 1 risk-based capital ratio | 16.1840% | 2,349 |
| Total risk-based capital ratio | 17.1409% | 2,384 |
| Memoranda: | ||
| Average total assets | $38,681,800 | 5,118 |
| Average earning assets | $35,458,200 | 5,103 |
| Average equity | $3,855,200 | 5,201 |
| Average total loans | $22,722,800 | 5,011 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8508% | 1,299 |
| Cost of funding earning assets | 0.4083% | 3,802 |
| Net interest margin | 4.4425% | 826 |
| Noninterest income to average assets | 0.9719% | 1,007 |
| Noninterest expense to average assets | 2.8427% | 2,487 |
| Loan and lease loss provision to assets | 0.0972% | 2,036 |
| Net operating income to assets | 2.1103% | 304 |
| Return on assets (ROA) | 2.1103% | 301 |
| Pretax return on assets | 2.1103% | 473 |
| Return on Equity (ROE) | 21.0244% | 210 |
| Retained earnings to average equity (ytd only) | 16.1141% | 129 |
| Net charge-offs to loans | 0.2581% | 648 |
| Credit loss provision to net charge-offs | 63.6364% | 2,704 |
| Earnings coverage of net charge-offs (x) | 14.4534% | 2,284 |
| Efficiency ratio | 56.2887% | 4,348 |
| Assets per employee ($millions) | 3.6698% | 4,345 |
| Cash dividends to net income (ytd only)* | 23.3553% | 2,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1086% | 3,141 |
| Loan loss allowance to noncurrent loans | 70.8934% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 0.9456% | 1,546 |
| Noncurrent loans to loans | 1.5638% | 1,020 |
| Net loans and leases to total assets | 59.7962% | 3,865 |
| Net loans and leases to deposits | 67.9171% | 4,065 |
| Net loans and leases to core deposits | 78.1064% | 3,647 |
| Total domestic deposits to total assets | 88.0429% | 1,223 |
| Equity capital to assets | 11.0960% | 2,582 |
| Core capital (leverage) ratio | 10.8254% | 2,766 |
| Tier 1 risk-based capital ratio | 17.4555% | 1,949 |
| Total risk-based capital ratio | 18.5026% | 1,957 |
| Memoranda: | ||
| Average total assets | $38,413,250 | 5,189 |
| Average earning assets | $35,265,000 | 5,169 |
| Average equity | $3,855,750 | 5,266 |
| Average total loans | $22,735,500 | 5,072 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7484% | 1,389 |
| Cost of funding earning assets | 0.4083% | 3,664 |
| Net interest margin | 4.3401% | 957 |
| Noninterest income to average assets | 0.9440% | 1,067 |
| Noninterest expense to average assets | 2.8216% | 2,595 |
| Loan and lease loss provision to assets | 0.0923% | 2,072 |
| Net operating income to assets | 2.0110% | 374 |
| Return on assets (ROA) | 2.0110% | 370 |
| Pretax return on assets | 2.0110% | 590 |
| Return on Equity (ROE) | 20.7206% | 219 |
| Retained earnings to average equity (ytd only) | 17.3377% | 116 |
| Net charge-offs to loans | 0.4189% | 371 |
| Credit loss provision to net charge-offs | 37.5000% | 2,580 |
| Earnings coverage of net charge-offs (x) | 8.5417% | 2,465 |
| Efficiency ratio | 57.2917% | 4,328 |
| Assets per employee ($millions) | 3.8910% | 4,074 |
| Cash dividends to net income (ytd only)* | 16.3265% | 3,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0590% | 3,483 |
| Loan loss allowance to noncurrent loans | 62.2995% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 1.0126% | 1,487 |
| Noncurrent loans to loans | 1.6998% | 938 |
| Net loans and leases to total assets | 55.9471% | 4,168 |
| Net loans and leases to deposits | 62.8417% | 4,367 |
| Net loans and leases to core deposits | 73.1338% | 3,935 |
| Total domestic deposits to total assets | 89.0285% | 919 |
| Equity capital to assets | 10.1234% | 3,514 |
| Core capital (leverage) ratio | 10.2750% | 3,260 |
| Tier 1 risk-based capital ratio | 16.5442% | 2,249 |
| Total risk-based capital ratio | 17.5125% | 2,284 |
| Memoranda: | ||
| Average total assets | $38,985,000 | 5,235 |
| Average earning assets | $35,759,670 | 5,223 |
| Average equity | $3,783,670 | 5,333 |
| Average total loans | $22,917,330 | 5,125 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6517% | 1,432 |
| Cost of funding earning assets | 0.4006% | 3,580 |
| Net interest margin | 4.2511% | 1,045 |
| Noninterest income to average assets | 0.9225% | 1,091 |
| Noninterest expense to average assets | 2.9829% | 2,106 |
| Loan and lease loss provision to assets | 0.0308% | 3,103 |
| Net operating income to assets | 1.8246% | 537 |
| Return on assets (ROA) | 1.8246% | 539 |
| Pretax return on assets | 1.8246% | 868 |
| Return on Equity (ROE) | 19.2121% | 304 |
| Retained earnings to average equity (ytd only) | 19.2121% | 120 |
| Net charge-offs to loans | 0.6160% | 244 |
| Credit loss provision to net charge-offs | 8.3333% | 2,174 |
| Earnings coverage of net charge-offs (x) | 5.0278% | 2,261 |
| Efficiency ratio | 61.6525% | 3,847 |
| Assets per employee ($millions) | 3.8422% | 4,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9687% | 4,124 |
| Loan loss allowance to noncurrent loans | 94.6281% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 0.6298% | 2,430 |
| Noncurrent loans to loans | 1.0237% | 1,786 |
| Net loans and leases to total assets | 60.9286% | 3,656 |
| Net loans and leases to deposits | 68.2766% | 3,928 |
| Net loans and leases to core deposits | 81.6590% | 3,171 |
| Total domestic deposits to total assets | 89.2379% | 993 |
| Equity capital to assets | 9.8746% | 3,727 |
| Core capital (leverage) ratio | 9.7217% | 3,825 |
| Tier 1 risk-based capital ratio | 15.1050% | 2,825 |
| Total risk-based capital ratio | 16.0119% | 2,920 |
| Memoranda: | ||
| Average total assets | $39,022,500 | 5,290 |
| Average earning assets | $35,944,000 | 5,275 |
| Average equity | $3,706,000 | 5,395 |
| Average total loans | $23,375,000 | 5,162 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7936% | 988 |
| Cost of funding earning assets | 0.3196% | 3,955 |
| Net interest margin | 4.4741% | 654 |
| Noninterest income to average assets | 0.9411% | 1,162 |
| Noninterest expense to average assets | 3.0790% | 1,926 |
| Loan and lease loss provision to assets | 0.0764% | 2,670 |
| Net operating income to assets | 1.8822% | 355 |
| Return on assets (ROA) | 1.8822% | 363 |
| Pretax return on assets | 1.8822% | 625 |
| Return on Equity (ROE) | 19.4795% | 212 |
| Retained earnings to average equity (ytd only) | 5.5656% | 1,790 |
| Net charge-offs to loans | 0.0615% | 2,592 |
| Credit loss provision to net charge-offs | 207.1429% | 1,320 |
| Earnings coverage of net charge-offs (x) | 53.0714% | 1,050 |
| Efficiency ratio | 61.1198% | 4,096 |
| Assets per employee ($millions) | 3.9623% | 4,027 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1337% | 3,158 |
| Loan loss allowance to noncurrent loans | 90.6574% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 0.7294% | 2,143 |
| Noncurrent loans to loans | 1.2505% | 1,409 |
| Net loans and leases to total assets | 57.6660% | 4,036 |
| Net loans and leases to deposits | 64.0584% | 4,315 |
| Net loans and leases to core deposits | 75.9103% | 3,752 |
| Total domestic deposits to total assets | 90.0209% | 561 |
| Equity capital to assets | 9.1311% | 4,594 |
| Core capital (leverage) ratio | 9.3698% | 4,202 |
| Tier 1 risk-based capital ratio | 14.4149% | 3,131 |
| Total risk-based capital ratio | 15.4539% | 3,147 |
| Memoranda: | ||
| Average total assets | $37,934,600 | 5,362 |
| Average earning assets | $34,733,600 | 5,355 |
| Average equity | $3,665,400 | 5,462 |
| Average total loans | $22,771,200 | 5,231 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7908% | 939 |
| Cost of funding earning assets | 0.3103% | 4,024 |
| Net interest margin | 4.4804% | 627 |
| Noninterest income to average assets | 0.9490% | 1,144 |
| Noninterest expense to average assets | 2.7830% | 2,786 |
| Loan and lease loss provision to assets | 0.1031% | 2,053 |
| Net operating income to assets | 2.1681% | 229 |
| Return on assets (ROA) | 2.1681% | 233 |
| Pretax return on assets | 2.1681% | 388 |
| Return on Equity (ROE) | 22.1173% | 138 |
| Retained earnings to average equity (ytd only) | 17.0051% | 77 |
| Net charge-offs to loans | 0.0588% | 2,284 |
| Credit loss provision to net charge-offs | 290.0000% | 1,023 |
| Earnings coverage of net charge-offs (x) | 63.9145% | 952 |
| Efficiency ratio | 55.0633% | 4,842 |
| Assets per employee ($millions) | 3.5954% | 4,588 |
| Cash dividends to net income (ytd only)* | 23.1154% | 3,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1645% | 3,124 |
| Loan loss allowance to noncurrent loans | 157.0588% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 0.4728% | 3,152 |
| Noncurrent loans to loans | 0.7414% | 2,507 |
| Net loans and leases to total assets | 63.0305% | 3,548 |
| Net loans and leases to deposits | 71.4754% | 3,827 |
| Net loans and leases to core deposits | 80.5216% | 3,411 |
| Total domestic deposits to total assets | 88.1849% | 1,266 |
| Equity capital to assets | 10.8667% | 2,997 |
| Core capital (leverage) ratio | 10.4680% | 3,025 |
| Tier 1 risk-based capital ratio | 15.8301% | 2,578 |
| Total risk-based capital ratio | 16.9135% | 2,591 |
| Memoranda: | ||
| Average total assets | $37,512,500 | 5,430 |
| Average earning assets | $34,370,750 | 5,419 |
| Average equity | $3,677,250 | 5,523 |
| Average total loans | $22,686,250 | 5,289 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7119% | 1,034 |
| Cost of funding earning assets | 0.3103% | 3,970 |
| Net interest margin | 4.4016% | 700 |
| Noninterest income to average assets | 0.9150% | 1,230 |
| Noninterest expense to average assets | 2.7608% | 2,889 |
| Loan and lease loss provision to assets | 0.1210% | 1,711 |
| Net operating income to assets | 2.0614% | 272 |
| Return on assets (ROA) | 2.0614% | 278 |
| Pretax return on assets | 2.0614% | 481 |
| Return on Equity (ROE) | 21.7737% | 146 |
| Retained earnings to average equity (ytd only) | 17.7745% | 79 |
| Net charge-offs to loans | 0.0885% | 1,726 |
| Credit loss provision to net charge-offs | 230.0000% | 1,139 |
| Earnings coverage of net charge-offs (x) | 41.5000% | 1,218 |
| Efficiency ratio | 55.8511% | 4,847 |
| Assets per employee ($millions) | 3.7715% | 4,319 |
| Cash dividends to net income (ytd only)* | 18.3673% | 3,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1811% | 3,133 |
| Loan loss allowance to noncurrent loans | 146.8927% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 0.4693% | 3,232 |
| Noncurrent loans to loans | 0.8040% | 2,389 |
| Net loans and leases to total assets | 57.6800% | 4,068 |
| Net loans and leases to deposits | 64.7094% | 4,322 |
| Net loans and leases to core deposits | 74.2483% | 3,921 |
| Total domestic deposits to total assets | 89.1369% | 897 |
| Equity capital to assets | 9.9509% | 3,969 |
| Core capital (leverage) ratio | 10.0013% | 3,535 |
| Tier 1 risk-based capital ratio | 15.1724% | 2,855 |
| Total risk-based capital ratio | 16.2243% | 2,872 |
| Memoranda: | ||
| Average total assets | $38,032,000 | 5,463 |
| Average earning assets | $34,805,670 | 5,458 |
| Average equity | $3,600,670 | 5,576 |
| Average total loans | $22,605,330 | 5,335 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6779% | 972 |
| Cost of funding earning assets | 0.2981% | 4,064 |
| Net interest margin | 4.3798% | 662 |
| Noninterest income to average assets | 0.9322% | 1,159 |
| Noninterest expense to average assets | 2.6813% | 3,208 |
| Loan and lease loss provision to assets | 0.1571% | 1,152 |
| Net operating income to assets | 2.0948% | 263 |
| Return on assets (ROA) | 2.0948% | 270 |
| Pretax return on assets | 2.0948% | 414 |
| Return on Equity (ROE) | 22.6983% | 129 |
| Retained earnings to average equity (ytd only) | 22.6983% | 68 |
| Net charge-offs to loans | 0.1397% | 1,101 |
| Credit loss provision to net charge-offs | 187.5000% | 1,053 |
| Earnings coverage of net charge-offs (x) | 26.8750% | 1,290 |
| Efficiency ratio | 54.3524% | 5,092 |
| Assets per employee ($millions) | 3.8332% | 4,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0780% | 3,835 |
| Loan loss allowance to noncurrent loans | 103.6735% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 0.6392% | 2,719 |
| Noncurrent loans to loans | 1.0398% | 1,978 |
| Net loans and leases to total assets | 60.8082% | 3,696 |
| Net loans and leases to deposits | 67.8376% | 4,006 |
| Net loans and leases to core deposits | 78.8879% | 3,399 |
| Total domestic deposits to total assets | 89.6379% | 836 |
| Equity capital to assets | 9.4621% | 4,320 |
| Core capital (leverage) ratio | 9.5856% | 4,022 |
| Tier 1 risk-based capital ratio | 14.4419% | 3,235 |
| Total risk-based capital ratio | 15.4519% | 3,280 |
| Memoranda: | ||
| Average total assets | $38,190,500 | 5,521 |
| Average earning assets | $34,887,500 | 5,521 |
| Average equity | $3,524,500 | 5,642 |
| Average total loans | $22,901,000 | 5,375 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5729% | 1,350 |
| Cost of funding earning assets | 0.2991% | 4,075 |
| Net interest margin | 4.2738% | 973 |
| Noninterest income to average assets | 0.9937% | 1,166 |
| Noninterest expense to average assets | 3.1032% | 2,027 |
| Loan and lease loss provision to assets | 0.0434% | 3,512 |
| Net operating income to assets | 1.7267% | 511 |
| Return on assets (ROA) | 1.7267% | 541 |
| Pretax return on assets | 1.7267% | 937 |
| Return on Equity (ROE) | 18.2559% | 313 |
| Retained earnings to average equity (ytd only) | 4.7649% | 2,497 |
| Net charge-offs to loans | 0.0389% | 3,250 |
| Credit loss provision to net charge-offs | 200.0000% | 1,410 |
| Earnings coverage of net charge-offs (x) | 81.5000% | 705 |
| Efficiency ratio | 63.6769% | 4,001 |
| Assets per employee ($millions) | 3.8049% | 4,302 |
| Cash dividends to net income (ytd only)* | 73.8994% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1107% | 3,652 |
| Loan loss allowance to noncurrent loans | 142.7746% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 0.4547% | 3,442 |
| Noncurrent loans to loans | 0.7779% | 2,578 |
| Net loans and leases to total assets | 57.7992% | 4,086 |
| Net loans and leases to deposits | 64.1653% | 4,404 |
| Net loans and leases to core deposits | 74.4306% | 3,888 |
| Total domestic deposits to total assets | 90.0786% | 604 |
| Equity capital to assets | 8.9937% | 4,827 |
| Core capital (leverage) ratio | 9.1836% | 4,500 |
| Tier 1 risk-based capital ratio | 14.0696% | 3,427 |
| Total risk-based capital ratio | 15.0822% | 3,464 |
| Memoranda: | ||
| Average total assets | $36,832,400 | 5,598 |
| Average earning assets | $33,436,000 | 5,600 |
| Average equity | $3,483,800 | 5,702 |
| Average total loans | $20,578,800 | 5,502 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5623% | 1,378 |
| Cost of funding earning assets | 0.3028% | 4,064 |
| Net interest margin | 4.2595% | 1,006 |
| Noninterest income to average assets | 0.9746% | 1,202 |
| Noninterest expense to average assets | 2.7923% | 3,035 |
| Loan and lease loss provision to assets | 0.0219% | 3,806 |
| Net operating income to assets | 2.0112% | 338 |
| Return on assets (ROA) | 2.0112% | 349 |
| Pretax return on assets | 2.0112% | 557 |
| Return on Equity (ROE) | 20.9945% | 194 |
| Retained earnings to average equity (ytd only) | 16.1555% | 105 |
| Net charge-offs to loans | 0.0529% | 2,606 |
| Credit loss provision to net charge-offs | 75.0000% | 2,721 |
| Earnings coverage of net charge-offs (x) | 69.6017% | 860 |
| Efficiency ratio | 57.8669% | 4,828 |
| Assets per employee ($millions) | 3.5023% | 4,778 |
| Cash dividends to net income (ytd only)* | 23.0491% | 3,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1092% | 3,778 |
| Loan loss allowance to noncurrent loans | 715.1515% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.0942% | 5,064 |
| Noncurrent loans to loans | 0.1551% | 4,731 |
| Net loans and leases to total assets | 60.0777% | 3,868 |
| Net loans and leases to deposits | 67.9773% | 4,153 |
| Net loans and leases to core deposits | 75.8781% | 3,851 |
| Total domestic deposits to total assets | 88.3791% | 1,198 |
| Equity capital to assets | 10.6073% | 3,447 |
| Core capital (leverage) ratio | 10.3662% | 3,141 |
| Tier 1 risk-based capital ratio | 15.8787% | 2,676 |
| Total risk-based capital ratio | 16.8940% | 2,702 |
| Memoranda: | ||
| Average total assets | $36,528,250 | 5,662 |
| Average earning assets | $33,023,500 | 5,665 |
| Average equity | $3,499,250 | 5,759 |
| Average total loans | $20,163,750 | 5,570 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4562% | 1,649 |
| Cost of funding earning assets | 0.2943% | 4,201 |
| Net interest margin | 4.1620% | 1,199 |
| Noninterest income to average assets | 0.9992% | 1,118 |
| Noninterest expense to average assets | 2.8193% | 2,965 |
| Loan and lease loss provision to assets | 0.0324% | 3,493 |
| Net operating income to assets | 1.8904% | 405 |
| Return on assets (ROA) | 1.8904% | 424 |
| Pretax return on assets | 1.8904% | 712 |
| Return on Equity (ROE) | 20.4241% | 223 |
| Retained earnings to average equity (ytd only) | 16.9228% | 99 |
| Net charge-offs to loans | 0.0101% | 3,356 |
| Credit loss provision to net charge-offs | 600.0000% | 561 |
| Earnings coverage of net charge-offs (x) | 356.0000% | 198 |
| Efficiency ratio | 59.4533% | 4,718 |
| Assets per employee ($millions) | 3.6397% | 4,530 |
| Cash dividends to net income (ytd only)* | 17.1429% | 3,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2228% | 3,234 |
| Loan loss allowance to noncurrent loans | 182.0896% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 0.3682% | 4,016 |
| Noncurrent loans to loans | 0.6715% | 3,053 |
| Net loans and leases to total assets | 54.1556% | 4,496 |
| Net loans and leases to deposits | 60.8026% | 4,748 |
| Net loans and leases to core deposits | 67.8380% | 4,489 |
| Total domestic deposits to total assets | 89.0678% | 887 |
| Equity capital to assets | 9.8552% | 4,383 |
| Core capital (leverage) ratio | 9.7789% | 3,835 |
| Tier 1 risk-based capital ratio | 15.7123% | 2,779 |
| Total risk-based capital ratio | 16.7904% | 2,782 |
| Memoranda: | ||
| Average total assets | $37,030,000 | 5,722 |
| Average earning assets | $33,301,670 | 5,727 |
| Average equity | $3,427,330 | 5,839 |
| Average total loans | $19,792,670 | 5,640 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3611% | 1,926 |
| Cost of funding earning assets | 0.2883% | 4,294 |
| Net interest margin | 4.0727% | 1,418 |
| Noninterest income to average assets | 0.9961% | 1,083 |
| Noninterest expense to average assets | 2.8276% | 2,966 |
| Loan and lease loss provision to assets | 0.0321% | 3,235 |
| Net operating income to assets | 1.7672% | 493 |
| Return on assets (ROA) | 1.7672% | 529 |
| Pretax return on assets | 1.7672% | 905 |
| Return on Equity (ROE) | 19.7162% | 262 |
| Retained earnings to average equity (ytd only) | 19.7162% | 101 |
| Net charge-offs to loans | -0.0203% | 4,867 |
| Credit loss provision to net charge-offs | -300.0000% | 4,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1111% | 4,585 |
| Assets per employee ($millions) | 3.6666% | 4,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2099% | 3,422 |
| Loan loss allowance to noncurrent loans | 165.7534% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 0.5100% | 3,563 |
| Noncurrent loans to loans | 0.7300% | 3,013 |
| Net loans and leases to total assets | 53.8892% | 4,465 |
| Net loans and leases to deposits | 60.1803% | 4,702 |
| Net loans and leases to core deposits | 67.6122% | 4,430 |
| Total domestic deposits to total assets | 89.5462% | 816 |
| Equity capital to assets | 9.3929% | 4,776 |
| Core capital (leverage) ratio | 9.2046% | 4,594 |
| Tier 1 risk-based capital ratio | 15.2767% | 3,026 |
| Total risk-based capital ratio | 16.3542% | 3,045 |
| Memoranda: | ||
| Average total assets | $37,346,500 | 5,769 |
| Average earning assets | $33,294,500 | 5,783 |
| Average equity | $3,347,500 | 5,900 |
| Average total loans | $19,711,500 | 5,696 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4352% | 1,787 |
| Cost of funding earning assets | 0.2953% | 4,305 |
| Net interest margin | 4.1400% | 1,310 |
| Noninterest income to average assets | 1.0439% | 1,086 |
| Noninterest expense to average assets | 3.0816% | 2,293 |
| Loan and lease loss provision to assets | 0.0977% | 2,358 |
| Net operating income to assets | 1.6217% | 669 |
| Return on assets (ROA) | 1.6217% | 692 |
| Pretax return on assets | 1.6217% | 1,186 |
| Return on Equity (ROE) | 17.4255% | 420 |
| Retained earnings to average equity (ytd only) | 3.7790% | 3,352 |
| Net charge-offs to loans | 0.0105% | 4,103 |
| Credit loss provision to net charge-offs | 1,750.0000% | 200 |
| Earnings coverage of net charge-offs (x) | 308.0000% | 230 |
| Efficiency ratio | 64.1860% | 4,221 |
| Assets per employee ($millions) | 3.4570% | 4,901 |
| Cash dividends to net income (ytd only)* | 78.3133% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2254% | 3,320 |
| Loan loss allowance to noncurrent loans | 301.2658% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.3156% | 4,331 |
| Noncurrent loans to loans | 0.4068% | 3,998 |
| Net loans and leases to total assets | 50.4484% | 4,829 |
| Net loans and leases to deposits | 55.7983% | 5,059 |
| Net loans and leases to core deposits | 62.3404% | 4,854 |
| Total domestic deposits to total assets | 90.4121% | 467 |
| Equity capital to assets | 8.5492% | 5,520 |
| Core capital (leverage) ratio | 8.9369% | 4,957 |
| Tier 1 risk-based capital ratio | 14.5953% | 3,387 |
| Total risk-based capital ratio | 15.6589% | 3,405 |
| Memoranda: | ||
| Average total assets | $35,825,800 | 5,855 |
| Average earning assets | $32,512,400 | 5,843 |
| Average equity | $3,334,200 | 5,950 |
| Average total loans | $18,975,000 | 5,760 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4098% | 1,895 |
| Cost of funding earning assets | 0.2959% | 4,383 |
| Net interest margin | 4.1139% | 1,379 |
| Noninterest income to average assets | 1.0621% | 1,063 |
| Noninterest expense to average assets | 2.8008% | 3,184 |
| Loan and lease loss provision to assets | 0.1323% | 1,692 |
| Net operating income to assets | 1.9125% | 417 |
| Return on assets (ROA) | 1.9125% | 436 |
| Pretax return on assets | 1.9125% | 702 |
| Return on Equity (ROE) | 20.1088% | 265 |
| Retained earnings to average equity (ytd only) | 15.6182% | 144 |
| Net charge-offs to loans | 0.0142% | 3,681 |
| Credit loss provision to net charge-offs | 1,750.0000% | 212 |
| Earnings coverage of net charge-offs (x) | 270.1573% | 263 |
| Efficiency ratio | 57.8003% | 5,147 |
| Assets per employee ($millions) | 3.1813% | 5,330 |
| Cash dividends to net income (ytd only)* | 22.3316% | 3,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2417% | 3,421 |
| Loan loss allowance to noncurrent loans | 264.4444% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.3743% | 4,272 |
| Noncurrent loans to loans | 0.4695% | 3,949 |
| Net loans and leases to total assets | 54.0950% | 4,560 |
| Net loans and leases to deposits | 61.0133% | 4,783 |
| Net loans and leases to core deposits | 66.6057% | 4,648 |
| Total domestic deposits to total assets | 88.6609% | 1,194 |
| Equity capital to assets | 10.1703% | 3,971 |
| Core capital (leverage) ratio | 10.0750% | 3,533 |
| Tier 1 risk-based capital ratio | 16.1259% | 2,743 |
| Total risk-based capital ratio | 17.2120% | 2,757 |
| Memoranda: | ||
| Average total assets | $35,275,500 | 5,945 |
| Average earning assets | $32,442,000 | 5,923 |
| Average equity | $3,355,000 | 6,022 |
| Average total loans | $18,863,250 | 5,837 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3857% | 1,901 |
| Cost of funding earning assets | 0.2961% | 4,433 |
| Net interest margin | 4.0896% | 1,381 |
| Noninterest income to average assets | 1.0574% | 1,061 |
| Noninterest expense to average assets | 2.8556% | 3,044 |
| Loan and lease loss provision to assets | 0.1979% | 999 |
| Net operating income to assets | 1.7529% | 567 |
| Return on assets (ROA) | 1.7529% | 592 |
| Pretax return on assets | 1.7529% | 974 |
| Return on Equity (ROE) | 18.8622% | 345 |
| Retained earnings to average equity (ytd only) | 15.9416% | 154 |
| Net charge-offs to loans | 0.1919% | 1,311 |
| Credit loss provision to net charge-offs | 194.4444% | 1,264 |
| Earnings coverage of net charge-offs (x) | 19.1667% | 1,762 |
| Efficiency ratio | 59.4118% | 5,058 |
| Assets per employee ($millions) | 3.2991% | 5,168 |
| Cash dividends to net income (ytd only)* | 15.4839% | 3,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1436% | 4,117 |
| Loan loss allowance to noncurrent loans | 76.8166% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 0.7964% | 2,996 |
| Noncurrent loans to loans | 1.4888% | 1,784 |
| Net loans and leases to total assets | 52.8796% | 4,672 |
| Net loans and leases to deposits | 59.1298% | 4,922 |
| Net loans and leases to core deposits | 64.8311% | 4,748 |
| Total domestic deposits to total assets | 89.4296% | 936 |
| Equity capital to assets | 9.4158% | 4,759 |
| Core capital (leverage) ratio | 9.6732% | 4,038 |
| Tier 1 risk-based capital ratio | 15.3784% | 3,171 |
| Total risk-based capital ratio | 16.3813% | 3,222 |
| Memoranda: | ||
| Average total assets | $35,369,330 | 6,008 |
| Average earning assets | $32,423,330 | 5,990 |
| Average equity | $3,287,000 | 6,093 |
| Average total loans | $18,761,670 | 5,895 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3107% | 2,062 |
| Cost of funding earning assets | 0.2882% | 4,571 |
| Net interest margin | 4.0225% | 1,485 |
| Noninterest income to average assets | 0.9854% | 1,150 |
| Noninterest expense to average assets | 2.8531% | 3,059 |
| Loan and lease loss provision to assets | 0.2865% | 519 |
| Net operating income to assets | 1.5240% | 810 |
| Return on assets (ROA) | 1.5240% | 857 |
| Pretax return on assets | 1.5240% | 1,486 |
| Return on Equity (ROE) | 16.5115% | 518 |
| Retained earnings to average equity (ytd only) | 16.5115% | 199 |
| Net charge-offs to loans | 0.4122% | 591 |
| Credit loss provision to net charge-offs | 131.5789% | 1,361 |
| Earnings coverage of net charge-offs (x) | 8.3158% | 2,094 |
| Efficiency ratio | 61.1794% | 4,934 |
| Assets per employee ($millions) | 3.2477% | 5,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0929% | 4,551 |
| Loan loss allowance to noncurrent loans | 340.3226% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.1735% | 5,259 |
| Noncurrent loans to loans | 0.3211% | 4,641 |
| Net loans and leases to total assets | 53.4500% | 4,503 |
| Net loans and leases to deposits | 59.6327% | 4,772 |
| Net loans and leases to core deposits | 65.4431% | 4,574 |
| Total domestic deposits to total assets | 89.6319% | 935 |
| Equity capital to assets | 9.1924% | 5,096 |
| Core capital (leverage) ratio | 9.2426% | 4,659 |
| Tier 1 risk-based capital ratio | 14.9609% | 3,455 |
| Total risk-based capital ratio | 15.9254% | 3,540 |
| Memoranda: | ||
| Average total assets | $34,909,000 | 6,077 |
| Average earning assets | $31,920,500 | 6,060 |
| Average equity | $3,222,000 | 6,167 |
| Average total loans | $18,436,500 | 5,961 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4133% | 2,180 |
| Cost of funding earning assets | 0.3131% | 4,648 |
| Net interest margin | 4.1002% | 1,578 |
| Noninterest income to average assets | 1.0619% | 1,077 |
| Noninterest expense to average assets | 3.2805% | 1,975 |
| Loan and lease loss provision to assets | 0.0858% | 2,753 |
| Net operating income to assets | 1.3370% | 1,218 |
| Return on assets (ROA) | 1.3370% | 1,266 |
| Pretax return on assets | 1.3370% | 2,119 |
| Return on Equity (ROE) | 13.9489% | 939 |
| Retained earnings to average equity (ytd only) | 1.4813% | 5,101 |
| Net charge-offs to loans | 0.2338% | 1,806 |
| Credit loss provision to net charge-offs | 72.5000% | 3,009 |
| Earnings coverage of net charge-offs (x) | 12.0250% | 2,428 |
| Efficiency ratio | 69.7484% | 3,573 |
| Assets per employee ($millions) | 3.0994% | 5,567 |
| Cash dividends to net income (ytd only)* | 89.3805% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1670% | 4,185 |
| Loan loss allowance to noncurrent loans | 683.3333% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.0880% | 5,676 |
| Noncurrent loans to loans | 0.1708% | 5,215 |
| Net loans and leases to total assets | 50.9254% | 4,878 |
| Net loans and leases to deposits | 56.9545% | 5,127 |
| Net loans and leases to core deposits | 60.0907% | 5,135 |
| Total domestic deposits to total assets | 89.4142% | 1,007 |
| Equity capital to assets | 9.2688% | 4,981 |
| Core capital (leverage) ratio | 9.1526% | 4,748 |
| Tier 1 risk-based capital ratio | 15.3651% | 3,284 |
| Total risk-based capital ratio | 16.3675% | 3,377 |
| Memoranda: | ||
| Average total assets | $33,806,200 | 6,176 |
| Average earning assets | $30,023,200 | 6,183 |
| Average equity | $3,240,400 | 6,223 |
| Average total loans | $17,110,400 | 6,080 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4037% | 2,204 |
| Cost of funding earning assets | 0.3177% | 4,696 |
| Net interest margin | 4.0860% | 1,622 |
| Noninterest income to average assets | 1.0711% | 1,063 |
| Noninterest expense to average assets | 2.9682% | 2,911 |
| Loan and lease loss provision to assets | 0.1146% | 2,139 |
| Net operating income to assets | 1.5967% | 759 |
| Return on assets (ROA) | 1.5967% | 790 |
| Pretax return on assets | 1.5967% | 1,333 |
| Return on Equity (ROE) | 16.5205% | 613 |
| Retained earnings to average equity (ytd only) | 12.7585% | 350 |
| Net charge-offs to loans | 0.3295% | 1,219 |
| Credit loss provision to net charge-offs | 69.0476% | 2,782 |
| Earnings coverage of net charge-offs (x) | 10.3093% | 2,559 |
| Efficiency ratio | 63.4291% | 4,643 |
| Assets per employee ($millions) | 3.0725% | 5,641 |
| Cash dividends to net income (ytd only)* | 22.7717% | 3,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1619% | 4,434 |
| Loan loss allowance to noncurrent loans | 683.3333% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.0888% | 5,808 |
| Noncurrent loans to loans | 0.1700% | 5,401 |
| Net loans and leases to total assets | 51.5993% | 4,847 |
| Net loans and leases to deposits | 58.2426% | 5,087 |
| Net loans and leases to core deposits | 61.5045% | 5,073 |
| Total domestic deposits to total assets | 88.5937% | 1,456 |
| Equity capital to assets | 10.0719% | 4,083 |
| Core capital (leverage) ratio | 9.9889% | 3,690 |
| Tier 1 risk-based capital ratio | 16.6203% | 2,760 |
| Total risk-based capital ratio | 17.6160% | 2,829 |
| Memoranda: | ||
| Average total assets | $33,734,500 | 6,256 |
| Average earning assets | $29,792,250 | 6,261 |
| Average equity | $3,260,500 | 6,291 |
| Average total loans | $16,996,250 | 6,152 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3553% | 2,361 |
| Cost of funding earning assets | 0.3188% | 4,771 |
| Net interest margin | 4.0365% | 1,698 |
| Noninterest income to average assets | 1.0678% | 1,046 |
| Noninterest expense to average assets | 3.0195% | 2,760 |
| Loan and lease loss provision to assets | 0.1127% | 2,143 |
| Net operating income to assets | 1.4653% | 938 |
| Return on assets (ROA) | 1.4653% | 976 |
| Pretax return on assets | 1.4653% | 1,654 |
| Return on Equity (ROE) | 15.3766% | 735 |
| Retained earnings to average equity (ytd only) | 12.8242% | 353 |
| Net charge-offs to loans | 0.3695% | 1,103 |
| Credit loss provision to net charge-offs | 61.2903% | 2,617 |
| Earnings coverage of net charge-offs (x) | 8.5806% | 2,472 |
| Efficiency ratio | 65.6774% | 4,405 |
| Assets per employee ($millions) | 3.1046% | 5,593 |
| Cash dividends to net income (ytd only)* | 16.5992% | 3,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2364% | 4,238 |
| Loan loss allowance to noncurrent loans | 321.8750% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.1874% | 5,571 |
| Noncurrent loans to loans | 0.3841% | 4,841 |
| Net loans and leases to total assets | 48.1831% | 5,157 |
| Net loans and leases to deposits | 54.1693% | 5,344 |
| Net loans and leases to core deposits | 57.9034% | 5,279 |
| Total domestic deposits to total assets | 88.9491% | 1,383 |
| Equity capital to assets | 9.7069% | 4,480 |
| Core capital (leverage) ratio | 9.8789% | 3,772 |
| Tier 1 risk-based capital ratio | 16.7335% | 2,734 |
| Total risk-based capital ratio | 17.7790% | 2,781 |
| Memoranda: | ||
| Average total assets | $33,713,670 | 6,314 |
| Average earning assets | $29,481,000 | 6,324 |
| Average equity | $3,212,670 | 6,348 |
| Average total loans | $16,780,330 | 6,208 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1492% | 3,078 |
| Cost of funding earning assets | 0.3202% | 4,857 |
| Net interest margin | 3.8290% | 2,352 |
| Noninterest income to average assets | 1.0748% | 965 |
| Noninterest expense to average assets | 3.0572% | 2,669 |
| Loan and lease loss provision to assets | 0.1314% | 1,850 |
| Net operating income to assets | 1.3136% | 1,180 |
| Return on assets (ROA) | 1.3136% | 1,224 |
| Pretax return on assets | 1.3136% | 2,052 |
| Return on Equity (ROE) | 13.9174% | 959 |
| Retained earnings to average equity (ytd only) | 13.6644% | 420 |
| Net charge-offs to loans | 0.1663% | 1,724 |
| Credit loss provision to net charge-offs | 157.1429% | 1,219 |
| Earnings coverage of net charge-offs (x) | 17.2857% | 1,464 |
| Efficiency ratio | 67.9045% | 4,198 |
| Assets per employee ($millions) | 3.0038% | 5,853 |
| Cash dividends to net income (ytd only)* | 1.8182% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3167% | 4,030 |
| Loan loss allowance to noncurrent loans | 243.9560% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.2754% | 5,340 |
| Noncurrent loans to loans | 0.5397% | 4,554 |
| Net loans and leases to total assets | 50.3541% | 4,870 |
| Net loans and leases to deposits | 56.6747% | 5,058 |
| Net loans and leases to core deposits | 62.0844% | 4,870 |
| Total domestic deposits to total assets | 88.8475% | 1,751 |
| Equity capital to assets | 9.7603% | 4,154 |
| Core capital (leverage) ratio | 9.5678% | 4,181 |
| Tier 1 risk-based capital ratio | 16.1680% | 3,074 |
| Total risk-based capital ratio | 17.2900% | 3,105 |
| Memoranda: | ||
| Average total assets | $33,495,000 | 6,381 |
| Average earning assets | $29,982,000 | 6,381 |
| Average equity | $3,161,500 | 6,413 |
| Average total loans | $16,840,000 | 6,266 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5543% | 2,016 |
| Cost of funding earning assets | 0.3871% | 4,781 |
| Net interest margin | 4.1672% | 1,449 |
| Noninterest income to average assets | 1.0668% | 1,241 |
| Noninterest expense to average assets | 3.4197% | 1,840 |
| Loan and lease loss provision to assets | 0.0830% | 3,460 |
| Net operating income to assets | 0.9453% | 2,589 |
| Return on assets (ROA) | 0.9453% | 2,658 |
| Pretax return on assets | 0.9453% | 3,581 |
| Return on Equity (ROE) | 10.0157% | 2,105 |
| Retained earnings to average equity (ytd only) | 1.0675% | 5,357 |
| Net charge-offs to loans | 0.1206% | 3,605 |
| Credit loss provision to net charge-offs | 140.0000% | 1,664 |
| Earnings coverage of net charge-offs (x) | 17.3500% | 1,725 |
| Efficiency ratio | 76.8821% | 2,638 |
| Assets per employee ($millions) | 3.0862% | 5,701 |
| Cash dividends to net income (ytd only)* | 89.3417% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2901% | 4,188 |
| Loan loss allowance to noncurrent loans | 504.6512% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.1267% | 5,942 |
| Noncurrent loans to loans | 0.2556% | 5,411 |
| Net loans and leases to total assets | 48.9072% | 5,205 |
| Net loans and leases to deposits | 54.6313% | 5,414 |
| Net loans and leases to core deposits | 59.6522% | 5,242 |
| Total domestic deposits to total assets | 89.5222% | 1,323 |
| Equity capital to assets | 9.1257% | 4,897 |
| Core capital (leverage) ratio | 8.9099% | 5,131 |
| Tier 1 risk-based capital ratio | 15.1688% | 3,562 |
| Total risk-based capital ratio | 16.2333% | 3,619 |
| Memoranda: | ||
| Average total assets | $33,745,800 | 6,438 |
| Average earning assets | $27,380,600 | 6,500 |
| Average equity | $3,185,000 | 6,500 |
| Average total loans | $16,577,800 | 6,342 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6465% | 1,754 |
| Cost of funding earning assets | 0.4065% | 4,774 |
| Net interest margin | 4.2401% | 1,222 |
| Noninterest income to average assets | 1.1119% | 1,185 |
| Noninterest expense to average assets | 3.1893% | 2,401 |
| Loan and lease loss provision to assets | 0.1108% | 2,917 |
| Net operating income to assets | 1.1554% | 1,786 |
| Return on assets (ROA) | 1.1554% | 1,862 |
| Pretax return on assets | 1.1554% | 2,873 |
| Return on Equity (ROE) | 12.1406% | 1,434 |
| Retained earnings to average equity (ytd only) | 9.1473% | 1,016 |
| Net charge-offs to loans | 0.2018% | 2,621 |
| Credit loss provision to net charge-offs | 112.0000% | 2,107 |
| Earnings coverage of net charge-offs (x) | 12.8011% | 2,091 |
| Efficiency ratio | 71.5808% | 3,488 |
| Assets per employee ($millions) | 3.2980% | 5,287 |
| Cash dividends to net income (ytd only)* | 24.6584% | 2,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2637% | 4,574 |
| Loan loss allowance to noncurrent loans | 385.4545% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.1668% | 5,937 |
| Noncurrent loans to loans | 0.3278% | 5,398 |
| Net loans and leases to total assets | 50.2244% | 5,115 |
| Net loans and leases to deposits | 56.6542% | 5,317 |
| Net loans and leases to core deposits | 60.0515% | 5,297 |
| Total domestic deposits to total assets | 88.6507% | 1,752 |
| Equity capital to assets | 9.9363% | 3,994 |
| Core capital (leverage) ratio | 9.8418% | 3,902 |
| Tier 1 risk-based capital ratio | 16.0933% | 3,137 |
| Total risk-based capital ratio | 17.1288% | 3,210 |
| Memoranda: | ||
| Average total assets | $33,695,250 | 6,512 |
| Average earning assets | $26,571,250 | 6,592 |
| Average equity | $3,206,750 | 6,569 |
| Average total loans | $16,517,250 | 6,412 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5722% | 1,936 |
| Cost of funding earning assets | 0.4150% | 4,808 |
| Net interest margin | 4.1572% | 1,390 |
| Noninterest income to average assets | 1.1316% | 1,188 |
| Noninterest expense to average assets | 3.1473% | 2,517 |
| Loan and lease loss provision to assets | 0.1650% | 2,263 |
| Net operating income to assets | 1.1257% | 1,834 |
| Return on assets (ROA) | 1.1257% | 1,953 |
| Pretax return on assets | 1.1257% | 2,989 |
| Return on Equity (ROE) | 12.0000% | 1,489 |
| Retained earnings to average equity (ytd only) | 10.4922% | 747 |
| Net charge-offs to loans | 0.3165% | 1,921 |
| Credit loss provision to net charge-offs | 107.6923% | 2,058 |
| Earnings coverage of net charge-offs (x) | 8.4231% | 2,396 |
| Efficiency ratio | 70.9163% | 3,657 |
| Assets per employee ($millions) | 2.8663% | 6,073 |
| Cash dividends to net income (ytd only)* | 12.5654% | 3,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3480% | 4,277 |
| Loan loss allowance to noncurrent loans | 398.1132% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.1541% | 6,029 |
| Noncurrent loans to loans | 0.3386% | 5,448 |
| Net loans and leases to total assets | 44.8961% | 5,650 |
| Net loans and leases to deposits | 50.2964% | 5,817 |
| Net loans and leases to core deposits | 53.4325% | 5,799 |
| Total domestic deposits to total assets | 89.2630% | 1,473 |
| Equity capital to assets | 9.3851% | 4,743 |
| Core capital (leverage) ratio | 9.7553% | 3,860 |
| Tier 1 risk-based capital ratio | 16.5402% | 2,927 |
| Total risk-based capital ratio | 17.6223% | 2,958 |
| Memoranda: | ||
| Average total assets | $33,933,670 | 6,553 |
| Average earning assets | $26,989,000 | 6,630 |
| Average equity | $3,183,330 | 6,622 |
| Average total loans | $16,431,000 | 6,457 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5098% | 2,133 |
| Cost of funding earning assets | 0.4288% | 4,819 |
| Net interest margin | 4.0810% | 1,519 |
| Noninterest income to average assets | 1.0207% | 1,423 |
| Noninterest expense to average assets | 3.3588% | 1,932 |
| Loan and lease loss provision to assets | 0.0356% | 3,998 |
| Net operating income to assets | 0.9020% | 2,646 |
| Return on assets (ROA) | 0.9020% | 2,792 |
| Pretax return on assets | 0.9020% | 3,755 |
| Return on Equity (ROE) | 9.6172% | 2,224 |
| Retained earnings to average equity (ytd only) | 9.3641% | 1,277 |
| Net charge-offs to loans | -0.0476% | 6,111 |
| Credit loss provision to net charge-offs | -150.0000% | 5,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1768% | 2,582 |
| Assets per employee ($millions) | 2.7732% | 6,318 |
| Cash dividends to net income (ytd only)* | 2.6316% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2731% | 4,833 |
| Loan loss allowance to noncurrent loans | 257.8313% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.2494% | 5,829 |
| Noncurrent loans to loans | 0.4938% | 5,193 |
| Net loans and leases to total assets | 49.8678% | 5,010 |
| Net loans and leases to deposits | 56.0377% | 5,237 |
| Net loans and leases to core deposits | 60.8522% | 5,065 |
| Total domestic deposits to total assets | 88.9897% | 1,690 |
| Equity capital to assets | 9.5889% | 4,722 |
| Core capital (leverage) ratio | 9.2498% | 4,480 |
| Tier 1 risk-based capital ratio | 15.3173% | 3,642 |
| Total risk-based capital ratio | 16.3635% | 3,718 |
| Memoranda: | ||
| Average total assets | $33,703,000 | 6,624 |
| Average earning assets | $27,052,000 | 6,692 |
| Average equity | $3,161,000 | 6,687 |
| Average total loans | $16,820,000 | 6,494 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5787% | 3,084 |
| Cost of funding earning assets | 0.4967% | 5,242 |
| Net interest margin | 4.0820% | 2,077 |
| Noninterest income to average assets | 1.0315% | 1,451 |
| Noninterest expense to average assets | 3.7329% | 1,352 |
| Loan and lease loss provision to assets | 0.0787% | 4,724 |
| Net operating income to assets | 0.6262% | 4,107 |
| Return on assets (ROA) | 0.6262% | 4,372 |
| Pretax return on assets | 0.6262% | 4,907 |
| Return on Equity (ROE) | 6.5135% | 3,905 |
| Retained earnings to average equity (ytd only) | 0.5349% | 5,580 |
| Net charge-offs to loans | 0.2437% | 3,484 |
| Credit loss provision to net charge-offs | 66.6667% | 4,259 |
| Earnings coverage of net charge-offs (x) | 5.9744% | 2,902 |
| Efficiency ratio | 84.1172% | 1,621 |
| Assets per employee ($millions) | 2.8440% | 6,251 |
| Cash dividends to net income (ytd only)* | 91.7874% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2418% | 4,918 |
| Loan loss allowance to noncurrent loans | 380.0000% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.1612% | 6,154 |
| Noncurrent loans to loans | 0.3268% | 5,670 |
| Net loans and leases to total assets | 48.7049% | 5,341 |
| Net loans and leases to deposits | 54.4305% | 5,610 |
| Net loans and leases to core deposits | 59.7097% | 5,393 |
| Total domestic deposits to total assets | 89.4808% | 1,256 |
| Equity capital to assets | 9.1743% | 5,306 |
| Core capital (leverage) ratio | 8.9709% | 4,945 |
| Tier 1 risk-based capital ratio | 15.3122% | 3,537 |
| Total risk-based capital ratio | 16.3587% | 3,609 |
| Memoranda: | ||
| Average total assets | $33,057,400 | 6,680 |
| Average earning assets | $27,584,200 | 6,724 |
| Average equity | $3,178,000 | 6,747 |
| Average total loans | $16,001,600 | 6,600 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5572% | 3,400 |
| Cost of funding earning assets | 0.5085% | 5,386 |
| Net interest margin | 4.0487% | 2,298 |
| Noninterest income to average assets | 1.0409% | 1,397 |
| Noninterest expense to average assets | 3.5091% | 1,734 |
| Loan and lease loss provision to assets | 0.0122% | 5,660 |
| Net operating income to assets | 0.9515% | 2,741 |
| Return on assets (ROA) | 0.9515% | 2,966 |
| Pretax return on assets | 0.9515% | 3,908 |
| Return on Equity (ROE) | 9.7810% | 2,452 |
| Retained earnings to average equity (ytd only) | 7.6492% | 1,777 |
| Net charge-offs to loans | 0.1689% | 3,766 |
| Credit loss provision to net charge-offs | 15.0000% | 5,018 |
| Earnings coverage of net charge-offs (x) | 11.8481% | 2,050 |
| Efficiency ratio | 78.4545% | 2,328 |
| Assets per employee ($millions) | 2.7849% | 6,374 |
| Cash dividends to net income (ytd only)* | 21.7956% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2610% | 5,002 |
| Loan loss allowance to noncurrent loans | 253.0864% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.2424% | 6,089 |
| Noncurrent loans to loans | 0.4982% | 5,449 |
| Net loans and leases to total assets | 48.0326% | 5,542 |
| Net loans and leases to deposits | 54.1182% | 5,799 |
| Net loans and leases to core deposits | 57.2060% | 5,789 |
| Total domestic deposits to total assets | 88.7549% | 1,562 |
| Equity capital to assets | 9.9195% | 4,622 |
| Core capital (leverage) ratio | 9.7707% | 3,841 |
| Tier 1 risk-based capital ratio | 16.8619% | 2,803 |
| Total risk-based capital ratio | 17.9337% | 2,869 |
| Memoranda: | ||
| Average total assets | $32,789,750 | 6,773 |
| Average earning assets | $27,794,250 | 6,807 |
| Average equity | $3,189,750 | 6,834 |
| Average total loans | $15,794,250 | 6,694 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6053% | 3,335 |
| Cost of funding earning assets | 0.5350% | 5,406 |
| Net interest margin | 4.0703% | 2,207 |
| Noninterest income to average assets | 1.0497% | 1,318 |
| Noninterest expense to average assets | 3.6464% | 1,476 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8594% | 3,093 |
| Return on assets (ROA) | 0.8594% | 3,359 |
| Pretax return on assets | 0.8594% | 4,237 |
| Return on Equity (ROE) | 8.8945% | 2,857 |
| Retained earnings to average equity (ytd only) | 7.6239% | 1,800 |
| Net charge-offs to loans | -0.0256% | 6,487 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9264% | 2,042 |
| Assets per employee ($millions) | 2.8015% | 6,401 |
| Cash dividends to net income (ytd only)* | 14.2857% | 3,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3542% | 4,649 |
| Loan loss allowance to noncurrent loans | 283.5443% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.2350% | 6,184 |
| Noncurrent loans to loans | 0.4776% | 5,574 |
| Net loans and leases to total assets | 48.5365% | 5,560 |
| Net loans and leases to deposits | 54.4590% | 5,823 |
| Net loans and leases to core deposits | 56.8655% | 5,874 |
| Total domestic deposits to total assets | 89.1249% | 1,438 |
| Equity capital to assets | 9.6079% | 4,905 |
| Core capital (leverage) ratio | 9.5792% | 4,034 |
| Tier 1 risk-based capital ratio | 16.6588% | 2,826 |
| Total risk-based capital ratio | 17.8396% | 2,828 |
| Memoranda: | ||
| Average total assets | $32,580,000 | 6,829 |
| Average earning assets | $27,663,670 | 6,861 |
| Average equity | $3,148,000 | 6,877 |
| Average total loans | $15,640,000 | 6,757 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6782% | 3,143 |
| Cost of funding earning assets | 0.5866% | 5,240 |
| Net interest margin | 4.0916% | 2,128 |
| Noninterest income to average assets | 1.0480% | 1,315 |
| Noninterest expense to average assets | 3.9300% | 1,022 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5989% | 4,343 |
| Return on assets (ROA) | 0.5989% | 4,563 |
| Pretax return on assets | 0.5989% | 5,124 |
| Return on Equity (ROE) | 6.1796% | 4,197 |
| Retained earnings to average equity (ytd only) | 6.1796% | 2,850 |
| Net charge-offs to loans | -0.0263% | 6,289 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7769% | 1,404 |
| Assets per employee ($millions) | 2.7164% | 6,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4772% | 4,270 |
| Loan loss allowance to noncurrent loans | 85.7692% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 1.8100% | 3,159 |
| Noncurrent loans to loans | 1.7223% | 3,526 |
| Net loans and leases to total assets | 45.6269% | 5,826 |
| Net loans and leases to deposits | 51.2314% | 6,049 |
| Net loans and leases to core deposits | 54.4400% | 6,027 |
| Total domestic deposits to total assets | 89.0603% | 1,659 |
| Equity capital to assets | 9.6052% | 4,644 |
| Core capital (leverage) ratio | 9.8940% | 3,509 |
| Tier 1 risk-based capital ratio | 16.7235% | 2,795 |
| Total risk-based capital ratio | 17.9092% | 2,789 |
| Memoranda: | ||
| Average total assets | $32,061,000 | 6,895 |
| Average earning assets | $27,275,500 | 6,927 |
| Average equity | $3,107,000 | 6,934 |
| Average total loans | $15,189,500 | 6,844 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1393% | 2,292 |
| Cost of funding earning assets | 0.6884% | 5,615 |
| Net interest margin | 4.4509% | 1,262 |
| Noninterest income to average assets | 1.2727% | 793 |
| Noninterest expense to average assets | 4.0078% | 1,027 |
| Loan and lease loss provision to assets | 0.0916% | 5,448 |
| Net operating income to assets | 0.8964% | 2,619 |
| Return on assets (ROA) | 0.8964% | 2,752 |
| Pretax return on assets | 0.8964% | 3,616 |
| Return on Equity (ROE) | 8.7804% | 2,550 |
| Retained earnings to average equity (ytd only) | 3.1404% | 3,987 |
| Net charge-offs to loans | 0.2248% | 4,376 |
| Credit loss provision to net charge-offs | 75.6757% | 4,651 |
| Earnings coverage of net charge-offs (x) | 8.1622% | 2,199 |
| Efficiency ratio | 80.2227% | 2,276 |
| Assets per employee ($millions) | 2.6271% | 6,691 |
| Cash dividends to net income (ytd only)* | 64.2336% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4526% | 4,220 |
| Loan loss allowance to noncurrent loans | 58.2677% | 4,598 |
| Noncurrent assets plus other real estate owned to assets | 2.2554% | 2,668 |
| Noncurrent loans to loans | 2.4930% | 2,630 |
| Net loans and leases to total assets | 47.7748% | 5,847 |
| Net loans and leases to deposits | 53.7202% | 6,097 |
| Net loans and leases to core deposits | 57.6498% | 6,027 |
| Total domestic deposits to total assets | 88.9326% | 1,588 |
| Equity capital to assets | 9.7795% | 4,468 |
| Core capital (leverage) ratio | 9.5882% | 3,894 |
| Tier 1 risk-based capital ratio | 16.3170% | 2,897 |
| Total risk-based capital ratio | 17.5082% | 2,893 |
| Memoranda: | ||
| Average total assets | $30,565,200 | 6,955 |
| Average earning assets | $25,567,800 | 6,997 |
| Average equity | $3,120,600 | 6,984 |
| Average total loans | $16,462,400 | 6,825 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3675% | 1,614 |
| Cost of funding earning assets | 0.6987% | 5,772 |
| Net interest margin | 4.6687% | 815 |
| Noninterest income to average assets | 1.3146% | 760 |
| Noninterest expense to average assets | 3.7679% | 1,363 |
| Loan and lease loss provision to assets | 0.1099% | 5,061 |
| Net operating income to assets | 1.3146% | 1,340 |
| Return on assets (ROA) | 1.3146% | 1,427 |
| Pretax return on assets | 1.3146% | 2,245 |
| Return on Equity (ROE) | 12.7367% | 1,349 |
| Retained earnings to average equity (ytd only) | 9.2863% | 1,046 |
| Net charge-offs to loans | 0.3024% | 3,577 |
| Credit loss provision to net charge-offs | 65.7895% | 4,611 |
| Earnings coverage of net charge-offs (x) | 8.5256% | 2,162 |
| Efficiency ratio | 72.5656% | 3,445 |
| Assets per employee ($millions) | 2.5881% | 6,796 |
| Cash dividends to net income (ytd only)* | 27.0908% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4293% | 4,425 |
| Loan loss allowance to noncurrent loans | 219.1919% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 1.3813% | 4,053 |
| Noncurrent loans to loans | 0.6521% | 5,581 |
| Net loans and leases to total assets | 48.1856% | 5,935 |
| Net loans and leases to deposits | 54.5392% | 6,159 |
| Net loans and leases to core deposits | 56.6148% | 6,263 |
| Total domestic deposits to total assets | 88.3505% | 1,839 |
| Equity capital to assets | 10.3584% | 3,880 |
| Core capital (leverage) ratio | 10.1020% | 3,301 |
| Tier 1 risk-based capital ratio | 17.4595% | 2,460 |
| Total risk-based capital ratio | 18.6585% | 2,451 |
| Memoranda: | ||
| Average total assets | $30,325,250 | 7,032 |
| Average earning assets | $25,188,250 | 7,077 |
| Average equity | $3,130,000 | 7,042 |
| Average total loans | $16,757,250 | 6,879 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6145% | 1,049 |
| Cost of funding earning assets | 0.6998% | 5,962 |
| Net interest margin | 4.9147% | 470 |
| Noninterest income to average assets | 1.3364% | 706 |
| Noninterest expense to average assets | 3.8296% | 1,308 |
| Loan and lease loss provision to assets | 0.0997% | 5,078 |
| Net operating income to assets | 1.4693% | 945 |
| Return on assets (ROA) | 1.4693% | 1,007 |
| Pretax return on assets | 1.4693% | 1,615 |
| Return on Equity (ROE) | 14.2535% | 928 |
| Retained earnings to average equity (ytd only) | 11.4157% | 603 |
| Net charge-offs to loans | -0.0116% | 6,715 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,648 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9360% | 3,943 |
| Assets per employee ($millions) | 2.6072% | 6,782 |
| Cash dividends to net income (ytd only)* | 19.9095% | 2,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5362% | 3,958 |
| Loan loss allowance to noncurrent loans | 182.9630% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.4315% | 6,069 |
| Noncurrent loans to loans | 0.8396% | 5,253 |
| Net loans and leases to total assets | 50.6041% | 5,740 |
| Net loans and leases to deposits | 57.0934% | 6,040 |
| Net loans and leases to core deposits | 59.2426% | 6,165 |
| Total domestic deposits to total assets | 88.6339% | 1,761 |
| Equity capital to assets | 10.1611% | 3,931 |
| Core capital (leverage) ratio | 10.6085% | 2,611 |
| Tier 1 risk-based capital ratio | 15.3471% | 3,327 |
| Total risk-based capital ratio | 16.5625% | 3,296 |
| Memoranda: | ||
| Average total assets | $30,081,330 | 7,104 |
| Average earning assets | $24,864,000 | 7,151 |
| Average equity | $3,101,000 | 7,103 |
| Average total loans | $17,282,330 | 6,927 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6714% | 936 |
| Cost of funding earning assets | 0.6948% | 6,165 |
| Net interest margin | 4.9766% | 397 |
| Noninterest income to average assets | 1.3840% | 679 |
| Noninterest expense to average assets | 3.7722% | 1,387 |
| Loan and lease loss provision to assets | 0.1221% | 4,483 |
| Net operating income to assets | 1.6690% | 600 |
| Return on assets (ROA) | 1.6690% | 637 |
| Pretax return on assets | 1.6690% | 1,039 |
| Return on Equity (ROE) | 16.0679% | 666 |
| Retained earnings to average equity (ytd only) | 16.0679% | 317 |
| Net charge-offs to loans | -0.0224% | 6,605 |
| Credit loss provision to net charge-offs | -900.0000% | 6,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8049% | 4,693 |
| Assets per employee ($millions) | 2.4483% | 7,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3341% | 4,972 |
| Loan loss allowance to noncurrent loans | 227.3585% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.3608% | 6,306 |
| Noncurrent loans to loans | 0.5868% | 5,856 |
| Net loans and leases to total assets | 60.6692% | 4,140 |
| Net loans and leases to deposits | 68.8052% | 4,552 |
| Net loans and leases to core deposits | 71.5795% | 4,843 |
| Total domestic deposits to total assets | 88.1752% | 2,273 |
| Equity capital to assets | 10.6334% | 3,055 |
| Core capital (leverage) ratio | 10.6110% | 2,497 |
| Tier 1 risk-based capital ratio | 14.5330% | 3,714 |
| Total risk-based capital ratio | 15.6757% | 3,748 |
| Memoranda: | ||
| Average total assets | $29,479,000 | 7,166 |
| Average earning assets | $24,756,000 | 7,207 |
| Average equity | $3,062,000 | 7,151 |
| Average total loans | $17,884,000 | 6,949 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1126% | 681 |
| Cost of funding earning assets | 1.0811% | 5,248 |
| Net interest margin | 5.0315% | 400 |
| Noninterest income to average assets | 1.4249% | 709 |
| Noninterest expense to average assets | 4.2849% | 827 |
| Loan and lease loss provision to assets | 0.4772% | 3,275 |
| Net operating income to assets | 0.8172% | 2,720 |
| Return on assets (ROA) | 0.8172% | 2,860 |
| Pretax return on assets | 0.8172% | 3,580 |
| Return on Equity (ROE) | 7.9386% | 2,716 |
| Retained earnings to average equity (ytd only) | 2.9686% | 3,780 |
| Net charge-offs to loans | 0.7087% | 2,886 |
| Credit loss provision to net charge-offs | 111.2000% | 3,947 |
| Earnings coverage of net charge-offs (x) | 3.0160% | 3,561 |
| Efficiency ratio | 76.8000% | 2,903 |
| Assets per employee ($millions) | 2.4649% | 7,059 |
| Cash dividends to net income (ytd only)* | 62.6050% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3049% | 4,980 |
| Loan loss allowance to noncurrent loans | 181.8898% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.4294% | 6,201 |
| Noncurrent loans to loans | 0.7174% | 5,611 |
| Net loans and leases to total assets | 59.0689% | 4,831 |
| Net loans and leases to deposits | 66.5625% | 5,329 |
| Net loans and leases to core deposits | 70.0421% | 5,440 |
| Total domestic deposits to total assets | 88.7420% | 1,802 |
| Equity capital to assets | 10.1423% | 3,568 |
| Core capital (leverage) ratio | 10.0000% | 3,092 |
| Tier 1 risk-based capital ratio | 14.0464% | 3,839 |
| Total risk-based capital ratio | 15.1489% | 3,906 |
| Memoranda: | ||
| Average total assets | $29,125,200 | 7,236 |
| Average earning assets | $24,048,600 | 7,287 |
| Average equity | $2,998,000 | 7,277 |
| Average total loans | $17,637,800 | 7,054 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1901% | 625 |
| Cost of funding earning assets | 1.1684% | 5,039 |
| Net interest margin | 5.0217% | 419 |
| Noninterest income to average assets | 1.4385% | 652 |
| Noninterest expense to average assets | 4.0948% | 938 |
| Loan and lease loss provision to assets | 0.6388% | 2,392 |
| Net operating income to assets | 0.8134% | 2,944 |
| Return on assets (ROA) | 0.8134% | 3,088 |
| Pretax return on assets | 0.8134% | 3,855 |
| Return on Equity (ROE) | 7.8729% | 2,967 |
| Retained earnings to average equity (ytd only) | 6.1828% | 2,270 |
| Net charge-offs to loans | 0.9761% | 2,048 |
| Credit loss provision to net charge-offs | 107.7519% | 3,955 |
| Earnings coverage of net charge-offs (x) | 2.4495% | 3,946 |
| Efficiency ratio | 73.8194% | 3,358 |
| Assets per employee ($millions) | 2.3628% | 7,243 |
| Cash dividends to net income (ytd only)* | 21.4712% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3117% | 4,895 |
| Loan loss allowance to noncurrent loans | 126.1111% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.6349% | 5,860 |
| Noncurrent loans to loans | 1.0401% | 5,168 |
| Net loans and leases to total assets | 60.2370% | 4,861 |
| Net loans and leases to deposits | 68.3816% | 5,368 |
| Net loans and leases to core deposits | 72.1455% | 5,495 |
| Total domestic deposits to total assets | 88.0894% | 1,911 |
| Equity capital to assets | 10.8101% | 3,158 |
| Core capital (leverage) ratio | 10.2912% | 2,931 |
| Tier 1 risk-based capital ratio | 14.6472% | 3,428 |
| Total risk-based capital ratio | 15.7581% | 3,478 |
| Memoranda: | ||
| Average total assets | $29,011,750 | 7,331 |
| Average earning assets | $23,736,250 | 7,386 |
| Average equity | $2,997,500 | 7,369 |
| Average total loans | $17,621,500 | 7,140 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2513% | 563 |
| Cost of funding earning assets | 1.2419% | 4,882 |
| Net interest margin | 5.0094% | 410 |
| Noninterest income to average assets | 1.4163% | 631 |
| Noninterest expense to average assets | 4.1599% | 853 |
| Loan and lease loss provision to assets | 0.9510% | 1,542 |
| Net operating income to assets | 0.3900% | 4,796 |
| Return on assets (ROA) | 0.3900% | 4,957 |
| Pretax return on assets | 0.3900% | 5,259 |
| Return on Equity (ROE) | 3.8319% | 4,859 |
| Retained earnings to average equity (ytd only) | 1.4790% | 5,133 |
| Net charge-offs to loans | 1.4103% | 1,353 |
| Credit loss provision to net charge-offs | 111.2000% | 3,642 |
| Earnings coverage of net charge-offs (x) | 1.5680% | 4,316 |
| Efficiency ratio | 75.6219% | 3,138 |
| Assets per employee ($millions) | 2.3642% | 7,281 |
| Cash dividends to net income (ytd only)* | 61.4035% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3622% | 4,617 |
| Loan loss allowance to noncurrent loans | 140.0000% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.5368% | 6,128 |
| Noncurrent loans to loans | 0.9730% | 5,363 |
| Net loans and leases to total assets | 54.4233% | 5,931 |
| Net loans and leases to deposits | 60.9030% | 6,323 |
| Net loans and leases to core deposits | 65.1820% | 6,297 |
| Total domestic deposits to total assets | 89.3607% | 1,249 |
| Equity capital to assets | 9.6437% | 4,478 |
| Core capital (leverage) ratio | 9.6158% | 3,658 |
| Tier 1 risk-based capital ratio | 14.1146% | 3,659 |
| Total risk-based capital ratio | 15.2483% | 3,696 |
| Memoranda: | ||
| Average total assets | $29,231,330 | 7,375 |
| Average earning assets | $23,835,000 | 7,444 |
| Average equity | $2,975,000 | 7,419 |
| Average total loans | $17,726,670 | 7,186 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5253% | 340 |
| Cost of funding earning assets | 1.3154% | 4,724 |
| Net interest margin | 5.2099% | 282 |
| Noninterest income to average assets | 1.5028% | 531 |
| Noninterest expense to average assets | 4.2557% | 759 |
| Loan and lease loss provision to assets | 0.1264% | 5,312 |
| Net operating income to assets | 1.3483% | 1,190 |
| Return on assets (ROA) | 1.3483% | 1,261 |
| Pretax return on assets | 1.3483% | 1,909 |
| Return on Equity (ROE) | 12.8837% | 1,275 |
| Retained earnings to average equity (ytd only) | 12.8837% | 634 |
| Net charge-offs to loans | 0.5522% | 2,424 |
| Credit loss provision to net charge-offs | 36.0000% | 4,718 |
| Earnings coverage of net charge-offs (x) | 4.2000% | 2,677 |
| Efficiency ratio | 74.2647% | 3,537 |
| Assets per employee ($millions) | 2.2600% | 7,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0863% | 6,071 |
| Loan loss allowance to noncurrent loans | 248.1481% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.3744% | 6,541 |
| Noncurrent loans to loans | 0.4378% | 6,423 |
| Net loans and leases to total assets | 62.2941% | 4,698 |
| Net loans and leases to deposits | 70.2033% | 5,315 |
| Net loans and leases to core deposits | 77.3248% | 5,104 |
| Total domestic deposits to total assets | 88.7338% | 1,654 |
| Equity capital to assets | 10.3336% | 3,431 |
| Core capital (leverage) ratio | 10.2645% | 2,851 |
| Tier 1 risk-based capital ratio | 13.9651% | 3,678 |
| Total risk-based capital ratio | 14.9169% | 3,840 |
| Memoranda: | ||
| Average total assets | $28,479,500 | 7,495 |
| Average earning assets | $23,110,000 | 7,563 |
| Average equity | $2,980,500 | 7,500 |
| Average total loans | $18,111,000 | 7,261 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0032% | 284 |
| Cost of funding earning assets | 1.2695% | 6,408 |
| Net interest margin | 5.7337% | 142 |
| Noninterest income to average assets | 1.4503% | 689 |
| Noninterest expense to average assets | 4.8355% | 589 |
| Loan and lease loss provision to assets | 0.2055% | 5,700 |
| Net operating income to assets | 1.1904% | 1,267 |
| Return on assets (ROA) | 1.1904% | 1,318 |
| Pretax return on assets | 1.1904% | 1,979 |
| Return on Equity (ROE) | 10.3885% | 1,583 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,911 |
| Net charge-offs to loans | 0.1745% | 5,557 |
| Credit loss provision to net charge-offs | 176.6667% | 2,369 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,543 |
| Efficiency ratio | 77.5980% | 3,258 |
| Assets per employee ($millions) | 2.1215% | 7,635 |
| Cash dividends to net income (ytd only)* | 100.0000% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2247% | 5,214 |
| Loan loss allowance to noncurrent loans | 214.8515% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.4714% | 6,278 |
| Noncurrent loans to loans | 0.5700% | 6,099 |
| Net loans and leases to total assets | 63.4613% | 4,710 |
| Net loans and leases to deposits | 71.7001% | 5,370 |
| Net loans and leases to core deposits | 95.8384% | 4,482 |
| Total domestic deposits to total assets | 88.5094% | 1,721 |
| Equity capital to assets | 10.6059% | 3,060 |
| Core capital (leverage) ratio | 10.2687% | 2,812 |
| Tier 1 risk-based capital ratio | 14.1417% | 3,410 |
| Total risk-based capital ratio | 15.2196% | 3,471 |
| Memoranda: | ||
| Average total assets | $25,788,600 | 7,617 |
| Average earning assets | $21,504,400 | 7,662 |
| Average equity | $2,955,200 | 7,599 |
| Average total loans | $17,192,800 | 7,342 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1019% | 258 |
| Cost of funding earning assets | 1.2640% | 6,674 |
| Net interest margin | 5.8380% | 131 |
| Noninterest income to average assets | 1.5048% | 653 |
| Noninterest expense to average assets | 4.4827% | 759 |
| Loan and lease loss provision to assets | 0.1473% | 5,882 |
| Net operating income to assets | 1.7836% | 465 |
| Return on assets (ROA) | 1.7836% | 490 |
| Pretax return on assets | 1.7836% | 831 |
| Return on Equity (ROE) | 15.2558% | 739 |
| Retained earnings to average equity (ytd only) | 6.4805% | 1,718 |
| Net charge-offs to loans | 0.2657% | 4,381 |
| Credit loss provision to net charge-offs | 82.3529% | 5,696 |
| Earnings coverage of net charge-offs (x) | 10.7946% | 1,919 |
| Efficiency ratio | 69.8934% | 4,617 |
| Assets per employee ($millions) | 2.0359% | 7,772 |
| Cash dividends to net income (ytd only)* | 57.5212% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0715% | 5,891 |
| Loan loss allowance to noncurrent loans | 200.0000% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.4647% | 6,301 |
| Noncurrent loans to loans | 0.5358% | 6,240 |
| Net loans and leases to total assets | 65.5798% | 4,516 |
| Net loans and leases to deposits | 74.9665% | 5,211 |
| Net loans and leases to core deposits | 95.0235% | 4,925 |
| Total domestic deposits to total assets | 87.4787% | 1,902 |
| Equity capital to assets | 11.6107% | 2,497 |
| Core capital (leverage) ratio | 11.2266% | 2,241 |
| Tier 1 risk-based capital ratio | 15.1351% | 2,986 |
| Total risk-based capital ratio | 16.0864% | 3,060 |
| Memoranda: | ||
| Average total assets | $25,341,000 | 7,703 |
| Average earning assets | $21,308,250 | 7,741 |
| Average equity | $2,962,750 | 7,673 |
| Average total loans | $17,061,250 | 7,417 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1422% | 256 |
| Cost of funding earning assets | 1.2798% | 6,871 |
| Net interest margin | 5.8624% | 122 |
| Noninterest income to average assets | 1.5061% | 654 |
| Noninterest expense to average assets | 4.6223% | 679 |
| Loan and lease loss provision to assets | 0.1362% | 5,714 |
| Net operating income to assets | 1.7384% | 524 |
| Return on assets (ROA) | 1.7384% | 568 |
| Pretax return on assets | 1.7384% | 954 |
| Return on Equity (ROE) | 14.8325% | 859 |
| Retained earnings to average equity (ytd only) | 4.5113% | 2,782 |
| Net charge-offs to loans | 0.2840% | 3,771 |
| Credit loss provision to net charge-offs | 70.8333% | 5,401 |
| Earnings coverage of net charge-offs (x) | 9.7500% | 2,082 |
| Efficiency ratio | 71.1467% | 4,572 |
| Assets per employee ($millions) | 2.0054% | 7,851 |
| Cash dividends to net income (ytd only)* | 69.5853% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0580% | 5,851 |
| Loan loss allowance to noncurrent loans | 178.8462% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.5102% | 6,159 |
| Noncurrent loans to loans | 0.5916% | 6,072 |
| Net loans and leases to total assets | 66.7204% | 4,412 |
| Net loans and leases to deposits | 76.0793% | 5,163 |
| Net loans and leases to core deposits | 92.0805% | 5,342 |
| Total domestic deposits to total assets | 87.6985% | 1,932 |
| Equity capital to assets | 11.3924% | 2,602 |
| Core capital (leverage) ratio | 11.7706% | 1,939 |
| Tier 1 risk-based capital ratio | 14.9630% | 3,036 |
| Total risk-based capital ratio | 15.9236% | 3,099 |
| Memoranda: | ||
| Average total assets | $24,965,670 | 7,787 |
| Average earning assets | $21,254,000 | 7,816 |
| Average equity | $2,926,000 | 7,747 |
| Average total loans | $16,900,000 | 7,491 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3132% | 217 |
| Cost of funding earning assets | 1.3452% | 6,888 |
| Net interest margin | 5.9680% | 104 |
| Noninterest income to average assets | 1.3763% | 753 |
| Noninterest expense to average assets | 4.7679% | 569 |
| Loan and lease loss provision to assets | 0.1311% | 5,278 |
| Net operating income to assets | 1.6384% | 740 |
| Return on assets (ROA) | 1.6384% | 810 |
| Pretax return on assets | 1.6384% | 1,319 |
| Return on Equity (ROE) | 13.7741% | 1,211 |
| Retained earnings to average equity (ytd only) | -1.7906% | 6,058 |
| Net charge-offs to loans | 0.0725% | 4,467 |
| Credit loss provision to net charge-offs | 266.6667% | 1,779 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 924 |
| Efficiency ratio | 72.9323% | 4,017 |
| Assets per employee ($millions) | 1.8699% | 7,985 |
| Cash dividends to net income (ytd only)* | 113.0000% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1691% | 4,991 |
| Loan loss allowance to noncurrent loans | 157.9365% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.6376% | 5,580 |
| Noncurrent loans to loans | 0.7403% | 5,580 |
| Net loans and leases to total assets | 69.2007% | 3,872 |
| Net loans and leases to deposits | 79.3790% | 4,709 |
| Net loans and leases to core deposits | 98.0817% | 4,735 |
| Total domestic deposits to total assets | 87.1776% | 2,135 |
| Equity capital to assets | 11.9709% | 2,283 |
| Core capital (leverage) ratio | 11.3779% | 2,224 |
| Tier 1 risk-based capital ratio | 14.9686% | 3,082 |
| Total risk-based capital ratio | 16.0196% | 3,103 |
| Memoranda: | ||
| Average total assets | $24,413,500 | 7,852 |
| Average earning assets | $21,112,500 | 7,871 |
| Average equity | $2,904,000 | 7,812 |
| Average total loans | $16,560,000 | 7,553 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1675% | 793 |
| Cost of funding earning assets | 1.8004% | 7,006 |
| Net interest margin | 5.3671% | 253 |
| Noninterest income to average assets | 1.3592% | 781 |
| Noninterest expense to average assets | 4.8820% | 672 |
| Loan and lease loss provision to assets | 0.1888% | 4,999 |
| Net operating income to assets | 1.0270% | 2,443 |
| Return on assets (ROA) | 1.0270% | 2,331 |
| Pretax return on assets | 1.0270% | 3,278 |
| Return on Equity (ROE) | 9.0504% | 2,628 |
| Retained earnings to average equity (ytd only) | -1.5639% | 5,755 |
| Net charge-offs to loans | 0.3896% | 2,871 |
| Credit loss provision to net charge-offs | 81.9672% | 5,861 |
| Earnings coverage of net charge-offs (x) | 5.2787% | 3,700 |
| Efficiency ratio | 80.0619% | 2,594 |
| Assets per employee ($millions) | 1.8860% | 7,996 |
| Cash dividends to net income (ytd only)* | 117.2794% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2050% | 4,491 |
| Loan loss allowance to noncurrent loans | 118.2927% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 0.6689% | 5,214 |
| Noncurrent loans to loans | 1.0187% | 4,547 |
| Net loans and leases to total assets | 64.8707% | 5,089 |
| Net loans and leases to deposits | 74.2045% | 5,823 |
| Net loans and leases to core deposits | 91.9524% | 5,643 |
| Total domestic deposits to total assets | 87.4215% | 1,741 |
| Equity capital to assets | 11.8199% | 2,410 |
| Core capital (leverage) ratio | 11.2873% | 2,377 |
| Tier 1 risk-based capital ratio | 15.5475% | 2,829 |
| Total risk-based capital ratio | 16.6066% | 2,829 |
| Memoranda: | ||
| Average total assets | $26,485,200 | 7,788 |
| Average earning assets | $23,383,200 | 7,807 |
| Average equity | $3,005,400 | 7,837 |
| Average total loans | $15,658,000 | 7,609 |