Home > Nelsonville Home and Savings > Performance and Condition Ratios
Nelsonville Home and Savings, Performance and Condition Ratios
| 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 | 4.3301% | 3,038 |
| Cost of funding earning assets | 0.5734% | 3,821 |
| Net interest margin | 3.7567% | 1,706 |
| Noninterest income to average assets | 0.1000% | 4,323 |
| Noninterest expense to average assets | 2.5121% | 2,173 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9813% | 2,478 |
| Return on assets (ROA) | 0.9813% | 2,462 |
| Pretax return on assets | 1.1832% | 2,405 |
| Return on Equity (ROE) | 7.8600% | 3,272 |
| Retained earnings to average equity (ytd only) | 7.8646% | 2,010 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.9818% | 1,991 |
| Assets per employee ($millions) | 5.9878% | 2,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2704% | 2,068 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 58.1900% | 2,948 |
| Net loans and leases to deposits | 67.1743% | 2,976 |
| Net loans and leases to core deposits | 68.4567% | 3,208 |
| Total domestic deposits to total assets | 86.6300% | 2,043 |
| Equity capital to assets | 12.6395% | 902 |
| Core capital (leverage) ratio | 12.6416% | 1,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.5992% | 197 |
| Memoranda: | ||
| Average total assets | $35,667,333 | 4,470 |
| Average earning assets | $34,179,333 | 4,433 |
| Average equity | $4,450,333 | 4,346 |
| Average total loans | $21,060,333 | 4,315 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3138% | 2,769 |
| Cost of funding earning assets | 0.5289% | 3,598 |
| Net interest margin | 3.7849% | 1,723 |
| Noninterest income to average assets | 0.1000% | 4,366 |
| Noninterest expense to average assets | 2.5663% | 2,060 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8779% | 2,928 |
| Return on assets (ROA) | 0.8779% | 2,885 |
| Pretax return on assets | 1.1593% | 2,540 |
| Return on Equity (ROE) | 7.0800% | 3,497 |
| Retained earnings to average equity (ytd only) | 7.0829% | 2,471 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.8822% | 1,873 |
| Assets per employee ($millions) | 5.9147% | 2,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2834% | 2,117 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 58.3000% | 2,842 |
| Net loans and leases to deposits | 67.1655% | 2,837 |
| Net loans and leases to core deposits | 68.4566% | 3,060 |
| Total domestic deposits to total assets | 86.8100% | 2,337 |
| Equity capital to assets | 12.5225% | 868 |
| Core capital (leverage) ratio | 12.2630% | 1,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.4129% | 211 |
| Memoranda: | ||
| Average total assets | $35,537,500 | 4,535 |
| Average earning assets | $34,030,000 | 4,500 |
| Average equity | $4,405,000 | 4,409 |
| Average total loans | $21,003,000 | 4,381 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2190% | 3,785 |
| Cost of funding earning assets | 0.5217% | 1,258 |
| Net interest margin | 2.6974% | 4,058 |
| Noninterest income to average assets | 0.1100% | 4,393 |
| Noninterest expense to average assets | 1.7739% | 4,057 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7198% | 3,567 |
| Return on assets (ROA) | 0.7198% | 3,508 |
| Pretax return on assets | 0.9181% | 3,302 |
| Return on Equity (ROE) | 5.9900% | 3,827 |
| Retained earnings to average equity (ytd only) | 5.3791% | 2,883 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.8947% | 2,241 |
| Assets per employee ($millions) | 5.9312% | 2,826 |
| Cash dividends to net income (ytd only)* | 10.2362% | 3,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2782% | 2,004 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 58.3800% | 2,786 |
| Net loans and leases to deposits | 66.9233% | 2,823 |
| Net loans and leases to core deposits | 68.1973% | 2,998 |
| Total domestic deposits to total assets | 87.2400% | 2,308 |
| Equity capital to assets | 12.2685% | 858 |
| Core capital (leverage) ratio | 12.0949% | 1,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.7067% | 206 |
| Memoranda: | ||
| Average total assets | $35,289,200 | 4,574 |
| Average earning assets | $33,736,800 | 4,532 |
| Average equity | $4,238,600 | 4,504 |
| Average total loans | $20,973,200 | 4,400 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0557% | 3,780 |
| Cost of funding earning assets | 0.5351% | 622 |
| Net interest margin | 2.5207% | 4,193 |
| Noninterest income to average assets | 0.1200% | 4,379 |
| Noninterest expense to average assets | 1.6281% | 4,274 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7459% | 3,432 |
| Return on assets (ROA) | 0.7459% | 3,382 |
| Pretax return on assets | 0.9011% | 3,308 |
| Return on Equity (ROE) | 6.2400% | 3,749 |
| Retained earnings to average equity (ytd only) | 5.4197% | 2,948 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.3713% | 2,493 |
| Assets per employee ($millions) | 6.0463% | 2,721 |
| Cash dividends to net income (ytd only)* | 13.1980% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2974% | 2,039 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 56.4100% | 2,863 |
| Net loans and leases to deposits | 64.3371% | 2,841 |
| Net loans and leases to core deposits | 65.5278% | 2,982 |
| Total domestic deposits to total assets | 87.6800% | 2,523 |
| Equity capital to assets | 11.8777% | 907 |
| Core capital (leverage) ratio | 11.9964% | 1,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.6629% | 212 |
| Memoranda: | ||
| Average total assets | $35,214,750 | 4,607 |
| Average earning assets | $33,640,750 | 4,572 |
| Average equity | $4,206,750 | 4,560 |
| Average total loans | $20,955,000 | 4,431 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8981% | 3,788 |
| Cost of funding earning assets | 0.5411% | 417 |
| Net interest margin | 2.3570% | 4,276 |
| Noninterest income to average assets | 0.1205% | 4,397 |
| Noninterest expense to average assets | 1.6695% | 4,181 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6426% | 3,497 |
| Return on assets (ROA) | 0.6426% | 3,446 |
| Pretax return on assets | 0.6999% | 3,576 |
| Return on Equity (ROE) | 5.3683% | 3,736 |
| Retained earnings to average equity (ytd only) | 4.1221% | 3,041 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4600% | 1,892 |
| Assets per employee ($millions) | 5.8553% | 2,868 |
| Cash dividends to net income (ytd only)* | 23.2143% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2693% | 2,332 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 59.5582% | 2,370 |
| Net loans and leases to deposits | 68.0323% | 2,389 |
| Net loans and leases to core deposits | 69.3307% | 2,541 |
| Total domestic deposits to total assets | 87.5441% | 2,749 |
| Equity capital to assets | 12.0232% | 866 |
| Core capital (leverage) ratio | 11.9120% | 1,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.0180% | 206 |
| Memoranda: | ||
| Average total assets | $34,860,333 | 4,651 |
| Average earning assets | $33,262,667 | 4,633 |
| Average equity | $4,172,667 | 4,603 |
| Average total loans | $21,028,667 | 4,485 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7996% | 3,745 |
| Cost of funding earning assets | 0.5551% | 356 |
| Net interest margin | 2.2445% | 4,298 |
| Noninterest income to average assets | 0.1152% | 4,432 |
| Noninterest expense to average assets | 1.6588% | 4,197 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5068% | 3,695 |
| Return on assets (ROA) | 0.5068% | 3,662 |
| Pretax return on assets | 0.5990% | 3,637 |
| Return on Equity (ROE) | 4.2440% | 3,814 |
| Retained earnings to average equity (ytd only) | 1.7362% | 3,621 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4694% | 1,801 |
| Assets per employee ($millions) | 5.7740% | 3,033 |
| Cash dividends to net income (ytd only)* | 59.0909% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2939% | 2,396 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 59.2339% | 2,159 |
| Net loans and leases to deposits | 67.6903% | 2,188 |
| Net loans and leases to core deposits | 68.9967% | 2,374 |
| Total domestic deposits to total assets | 87.5072% | 2,742 |
| Equity capital to assets | 11.9963% | 958 |
| Core capital (leverage) ratio | 11.8818% | 1,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.0071% | 206 |
| Memoranda: | ||
| Average total assets | $34,724,500 | 4,677 |
| Average earning assets | $33,147,500 | 4,663 |
| Average equity | $4,147,000 | 4,643 |
| Average total loans | $20,946,500 | 4,501 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6202% | 2,329 |
| Cost of funding earning assets | 0.8194% | 187 |
| Net interest margin | 2.8008% | 3,663 |
| Noninterest income to average assets | 0.1253% | 4,513 |
| Noninterest expense to average assets | 1.7171% | 4,271 |
| Loan and lease loss provision to assets | 0.0570% | 1,915 |
| Net operating income to assets | 0.4129% | 4,254 |
| Return on assets (ROA) | 0.4129% | 4,291 |
| Pretax return on assets | 0.4926% | 4,272 |
| Return on Equity (ROE) | 3.5621% | 4,283 |
| Retained earnings to average equity (ytd only) | 2.9234% | 3,663 |
| Net charge-offs to loans | 0.0333% | 1,568 |
| Credit loss provision to net charge-offs | 285.7143% | 1,093 |
| Earnings coverage of net charge-offs (x) | 27.5714% | 1,676 |
| Efficiency ratio | 75.7538% | 1,125 |
| Assets per employee ($millions) | 5.8008% | 2,952 |
| Cash dividends to net income (ytd only)* | 17.9310% | 3,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2747% | 2,478 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 59.8592% | 2,174 |
| Net loans and leases to deposits | 68.2925% | 2,286 |
| Net loans and leases to core deposits | 69.5975% | 2,493 |
| Total domestic deposits to total assets | 87.6512% | 2,222 |
| Equity capital to assets | 11.8891% | 1,301 |
| Core capital (leverage) ratio | 11.5512% | 1,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.7659% | 221 |
| Memoranda: | ||
| Average total assets | $35,116,800 | 4,710 |
| Average earning assets | $26,849,600 | 4,732 |
| Average equity | $4,070,600 | 4,700 |
| Average total loans | $21,044,400 | 4,552 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8652% | 1,874 |
| Cost of funding earning assets | 0.8871% | 161 |
| Net interest margin | 2.9781% | 3,362 |
| Noninterest income to average assets | 0.1250% | 4,566 |
| Noninterest expense to average assets | 1.7426% | 4,265 |
| Loan and lease loss provision to assets | 0.0568% | 1,848 |
| Net operating income to assets | 0.4129% | 4,355 |
| Return on assets (ROA) | 0.4129% | 4,387 |
| Pretax return on assets | 0.4622% | 4,418 |
| Return on Equity (ROE) | 3.5851% | 4,373 |
| Retained earnings to average equity (ytd only) | 2.7299% | 3,990 |
| Net charge-offs to loans | 0.0444% | 1,225 |
| Credit loss provision to net charge-offs | 214.2857% | 1,167 |
| Earnings coverage of net charge-offs (x) | 19.5714% | 1,756 |
| Efficiency ratio | 77.0519% | 953 |
| Assets per employee ($millions) | 6.0717% | 2,623 |
| Cash dividends to net income (ytd only)* | 23.8532% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2860% | 2,564 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 55.6272% | 2,773 |
| Net loans and leases to deposits | 63.0287% | 2,953 |
| Net loans and leases to core deposits | 64.6969% | 3,068 |
| Total domestic deposits to total assets | 88.2569% | 1,684 |
| Equity capital to assets | 11.2600% | 1,847 |
| Core capital (leverage) ratio | 11.4517% | 1,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.1090% | 231 |
| Memoranda: | ||
| Average total assets | $35,194,750 | 4,780 |
| Average earning assets | $25,250,000 | 4,816 |
| Average equity | $4,053,750 | 4,770 |
| Average total loans | $21,029,750 | 4,613 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8581% | 1,925 |
| Cost of funding earning assets | 0.8976% | 191 |
| Net interest margin | 2.9605% | 3,421 |
| Noninterest income to average assets | 0.0920% | 4,721 |
| Noninterest expense to average assets | 1.7422% | 4,298 |
| Loan and lease loss provision to assets | 0.0575% | 1,877 |
| Net operating income to assets | 0.4542% | 4,294 |
| Return on assets (ROA) | 0.4542% | 4,336 |
| Pretax return on assets | 0.4542% | 4,450 |
| Return on Equity (ROE) | 3.9132% | 4,344 |
| Retained earnings to average equity (ytd only) | 2.6253% | 3,966 |
| Net charge-offs to loans | 0.0660% | 959 |
| Credit loss provision to net charge-offs | 142.8571% | 1,182 |
| Earnings coverage of net charge-offs (x) | 12.7143% | 1,711 |
| Efficiency ratio | 77.2959% | 964 |
| Assets per employee ($millions) | 5.9845% | 2,629 |
| Cash dividends to net income (ytd only)* | 32.9114% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2319% | 2,764 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 57.8299% | 2,691 |
| Net loans and leases to deposits | 65.4407% | 2,870 |
| Net loans and leases to core deposits | 67.8019% | 2,977 |
| Total domestic deposits to total assets | 88.3700% | 1,633 |
| Equity capital to assets | 11.3404% | 1,734 |
| Core capital (leverage) ratio | 11.4363% | 1,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.4882% | 240 |
| Memoranda: | ||
| Average total assets | $34,783,000 | 4,815 |
| Average earning assets | $25,401,333 | 4,845 |
| Average equity | $4,037,667 | 4,802 |
| Average total loans | $21,196,667 | 4,642 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8924% | 1,846 |
| Cost of funding earning assets | 0.9103% | 213 |
| Net interest margin | 2.9821% | 3,312 |
| Noninterest income to average assets | 0.0935% | 4,716 |
| Noninterest expense to average assets | 1.8468% | 4,116 |
| Loan and lease loss provision to assets | 0.0584% | 1,955 |
| Net operating income to assets | 0.3390% | 4,465 |
| Return on assets (ROA) | 0.3390% | 4,500 |
| Pretax return on assets | 0.4091% | 4,472 |
| Return on Equity (ROE) | 2.8852% | 4,493 |
| Retained earnings to average equity (ytd only) | 0.2985% | 4,329 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7980% | 833 |
| Assets per employee ($millions) | 5.8087% | 2,788 |
| Cash dividends to net income (ytd only)* | 89.6552% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2436% | 2,699 |
| Loan loss allowance to noncurrent loans | 225.0000% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 0.3328% | 2,469 |
| Noncurrent loans to loans | 0.5527% | 2,203 |
| Net loans and leases to total assets | 59.4715% | 2,608 |
| Net loans and leases to deposits | 67.3523% | 2,772 |
| Net loans and leases to core deposits | 69.8537% | 2,877 |
| Total domestic deposits to total assets | 88.2991% | 1,700 |
| Equity capital to assets | 11.5402% | 1,518 |
| Core capital (leverage) ratio | 11.5588% | 1,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.4604% | 246 |
| Memoranda: | ||
| Average total assets | $34,221,000 | 4,838 |
| Average earning assets | $25,485,500 | 4,870 |
| Average equity | $4,020,500 | 4,825 |
| Average total loans | $21,283,000 | 4,666 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3308% | 1,772 |
| Cost of funding earning assets | 1.0166% | 558 |
| Net interest margin | 3.3142% | 3,034 |
| Noninterest income to average assets | 0.1118% | 4,703 |
| Noninterest expense to average assets | 1.9601% | 4,215 |
| Loan and lease loss provision to assets | 0.0621% | 3,593 |
| Net operating income to assets | 0.5622% | 3,865 |
| Return on assets (ROA) | 0.5622% | 3,965 |
| Pretax return on assets | 0.8138% | 3,600 |
| Return on Equity (ROE) | 4.5937% | 4,002 |
| Retained earnings to average equity (ytd only) | 3.9338% | 2,859 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1128% | 2,077 |
| Assets per employee ($millions) | 5.5983% | 2,746 |
| Cash dividends to net income (ytd only)* | 14.3646% | 3,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1864% | 3,021 |
| Loan loss allowance to noncurrent loans | 226.5487% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.3364% | 2,648 |
| Noncurrent loans to loans | 0.5237% | 2,407 |
| Net loans and leases to total assets | 63.4772% | 2,433 |
| Net loans and leases to deposits | 72.2094% | 2,661 |
| Net loans and leases to core deposits | 75.0009% | 2,819 |
| Total domestic deposits to total assets | 87.9071% | 1,524 |
| Equity capital to assets | 11.9649% | 1,589 |
| Core capital (leverage) ratio | 11.8611% | 1,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.5584% | 255 |
| Memoranda: | ||
| Average total assets | $32,192,800 | 4,852 |
| Average earning assets | $26,461,800 | 4,872 |
| Average equity | $3,940,200 | 4,845 |
| Average total loans | $22,194,000 | 4,676 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4030% | 1,844 |
| Cost of funding earning assets | 1.0369% | 671 |
| Net interest margin | 3.3661% | 3,005 |
| Noninterest income to average assets | 0.1131% | 4,712 |
| Noninterest expense to average assets | 1.9093% | 4,316 |
| Loan and lease loss provision to assets | 0.0628% | 3,554 |
| Net operating income to assets | 0.7025% | 3,448 |
| Return on assets (ROA) | 0.6992% | 3,561 |
| Pretax return on assets | 0.9505% | 3,233 |
| Return on Equity (ROE) | 5.6794% | 3,669 |
| Retained earnings to average equity (ytd only) | 4.7952% | 2,656 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2361% | 2,552 |
| Assets per employee ($millions) | 5.5033% | 2,709 |
| Cash dividends to net income (ytd only)* | 15.5689% | 2,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1038% | 3,189 |
| Loan loss allowance to noncurrent loans | 243.6893% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.3119% | 2,912 |
| Noncurrent loans to loans | 0.4530% | 2,692 |
| Net loans and leases to total assets | 68.1042% | 2,232 |
| Net loans and leases to deposits | 77.6734% | 2,562 |
| Net loans and leases to core deposits | 80.7701% | 2,775 |
| Total domestic deposits to total assets | 87.6802% | 1,353 |
| Equity capital to assets | 12.1290% | 1,612 |
| Core capital (leverage) ratio | 12.2928% | 1,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.1853% | 302 |
| Memoranda: | ||
| Average total assets | $31,843,500 | 4,885 |
| Average earning assets | $26,617,750 | 4,899 |
| Average equity | $3,920,500 | 4,873 |
| Average total loans | $22,348,000 | 4,704 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3566% | 2,322 |
| Cost of funding earning assets | 1.0797% | 758 |
| Net interest margin | 3.2769% | 3,443 |
| Noninterest income to average assets | 0.1081% | 4,750 |
| Noninterest expense to average assets | 1.9777% | 4,274 |
| Loan and lease loss provision to assets | 0.0636% | 3,498 |
| Net operating income to assets | 0.6105% | 3,704 |
| Return on assets (ROA) | 0.6105% | 3,784 |
| Pretax return on assets | 0.8267% | 3,516 |
| Return on Equity (ROE) | 4.9328% | 3,847 |
| Retained earnings to average equity (ytd only) | 3.5968% | 3,124 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9579% | 2,095 |
| Assets per employee ($millions) | 6.4072% | 1,856 |
| Cash dividends to net income (ytd only)* | 27.0833% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0951% | 3,093 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 69.3501% | 2,134 |
| Net loans and leases to deposits | 79.1909% | 2,522 |
| Net loans and leases to core deposits | 82.4409% | 2,739 |
| Total domestic deposits to total assets | 87.5734% | 1,392 |
| Equity capital to assets | 12.2799% | 1,493 |
| Core capital (leverage) ratio | 12.1815% | 1,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.9842% | 308 |
| Memoranda: | ||
| Average total assets | $31,451,333 | 4,917 |
| Average earning assets | $26,488,333 | 4,930 |
| Average equity | $3,892,333 | 4,905 |
| Average total loans | $22,217,667 | 4,729 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4450% | 2,458 |
| Cost of funding earning assets | 1.0923% | 1,072 |
| Net interest margin | 3.3527% | 3,442 |
| Noninterest income to average assets | 0.1284% | 4,725 |
| Noninterest expense to average assets | 2.1952% | 4,015 |
| Loan and lease loss provision to assets | 0.0642% | 2,962 |
| Net operating income to assets | 0.5263% | 3,824 |
| Return on assets (ROA) | 0.5263% | 3,880 |
| Pretax return on assets | 0.7061% | 3,670 |
| Return on Equity (ROE) | 4.2361% | 3,889 |
| Retained earnings to average equity (ytd only) | 1.5498% | 3,583 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0260% | 1,815 |
| Assets per employee ($millions) | 6.2364% | 1,495 |
| Cash dividends to net income (ytd only)* | 63.4146% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0857% | 3,282 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 70.4124% | 2,185 |
| Net loans and leases to deposits | 80.6169% | 2,617 |
| Net loans and leases to core deposits | 84.0164% | 2,850 |
| Total domestic deposits to total assets | 87.3421% | 1,406 |
| Equity capital to assets | 12.4399% | 1,772 |
| Core capital (leverage) ratio | 12.3934% | 1,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.7354% | 313 |
| Memoranda: | ||
| Average total assets | $31,159,000 | 4,960 |
| Average earning assets | $26,367,000 | 4,975 |
| Average equity | $3,871,500 | 4,951 |
| Average total loans | $22,095,000 | 4,763 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7010% | 2,323 |
| Cost of funding earning assets | 1.0723% | 1,427 |
| Net interest margin | 3.6287% | 3,044 |
| Noninterest income to average assets | 0.1212% | 4,856 |
| Noninterest expense to average assets | 1.9161% | 4,642 |
| Loan and lease loss provision to assets | 0.0655% | 2,708 |
| Net operating income to assets | 0.9171% | 3,138 |
| Return on assets (ROA) | 0.9171% | 3,218 |
| Pretax return on assets | 1.1988% | 2,848 |
| Return on Equity (ROE) | 7.5241% | 3,359 |
| Retained earnings to average equity (ytd only) | 6.8254% | 1,468 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2472% | 3,654 |
| Assets per employee ($millions) | 6.2272% | 1,467 |
| Cash dividends to net income (ytd only)* | 9.2857% | 3,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0731% | 3,087 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 69.8773% | 2,416 |
| Net loans and leases to deposits | 79.8979% | 2,788 |
| Net loans and leases to core deposits | 83.2517% | 3,019 |
| Total domestic deposits to total assets | 87.4582% | 1,383 |
| Equity capital to assets | 12.4101% | 1,878 |
| Core capital (leverage) ratio | 12.3874% | 1,546 |
| Tier 1 risk-based capital ratio | 27.1158% | 609 |
| Total risk-based capital ratio | 28.3719% | 596 |
| Memoranda: | ||
| Average total assets | $30,530,400 | 5,021 |
| Average earning assets | $25,739,200 | 5,035 |
| Average equity | $3,721,400 | 5,017 |
| Average total loans | $21,480,000 | 4,827 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7484% | 2,276 |
| Cost of funding earning assets | 1.0569% | 1,512 |
| Net interest margin | 3.6914% | 2,947 |
| Noninterest income to average assets | 0.1185% | 4,923 |
| Noninterest expense to average assets | 1.9443% | 4,655 |
| Loan and lease loss provision to assets | 0.0658% | 2,570 |
| Net operating income to assets | 0.9392% | 3,209 |
| Return on assets (ROA) | 0.9392% | 3,278 |
| Pretax return on assets | 1.2201% | 2,919 |
| Return on Equity (ROE) | 7.7414% | 3,419 |
| Retained earnings to average equity (ytd only) | 6.8008% | 1,950 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1902% | 3,607 |
| Assets per employee ($millions) | 6.1378% | 1,503 |
| Cash dividends to net income (ytd only)* | 12.1508% | 3,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0700% | 3,174 |
| Loan loss allowance to noncurrent loans | 550.0000% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.1369% | 4,046 |
| Noncurrent loans to loans | 0.1945% | 3,840 |
| Net loans and leases to total assets | 69.5950% | 2,536 |
| Net loans and leases to deposits | 79.6138% | 2,938 |
| Net loans and leases to core deposits | 83.0404% | 3,180 |
| Total domestic deposits to total assets | 87.4157% | 1,302 |
| Equity capital to assets | 12.3758% | 1,992 |
| Core capital (leverage) ratio | 12.3152% | 1,672 |
| Tier 1 risk-based capital ratio | 26.8847% | 651 |
| Total risk-based capital ratio | 28.1376% | 634 |
| Memoranda: | ||
| Average total assets | $30,379,000 | 5,096 |
| Average earning assets | $25,608,250 | 5,112 |
| Average equity | $3,685,750 | 5,095 |
| Average total loans | $21,351,750 | 4,904 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6465% | 2,526 |
| Cost of funding earning assets | 1.0265% | 1,577 |
| Net interest margin | 3.6201% | 3,192 |
| Noninterest income to average assets | 0.1189% | 4,970 |
| Noninterest expense to average assets | 2.0677% | 4,470 |
| Loan and lease loss provision to assets | 0.0661% | 2,497 |
| Net operating income to assets | 0.7993% | 3,655 |
| Return on assets (ROA) | 0.7993% | 3,716 |
| Pretax return on assets | 1.0371% | 3,421 |
| Return on Equity (ROE) | 6.6332% | 3,823 |
| Retained earnings to average equity (ytd only) | 5.2079% | 2,666 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2083% | 2,943 |
| Assets per employee ($millions) | 6.1232% | 1,460 |
| Cash dividends to net income (ytd only)* | 21.4876% | 2,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0473% | 3,351 |
| Loan loss allowance to noncurrent loans | 185.2459% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.3985% | 2,910 |
| Noncurrent loans to loans | 0.5653% | 2,567 |
| Net loans and leases to total assets | 69.7478% | 2,560 |
| Net loans and leases to deposits | 79.4834% | 3,008 |
| Net loans and leases to core deposits | 82.8831% | 3,206 |
| Total domestic deposits to total assets | 87.7515% | 1,223 |
| Equity capital to assets | 12.1015% | 2,116 |
| Core capital (leverage) ratio | 12.0058% | 1,826 |
| Tier 1 risk-based capital ratio | 26.0824% | 684 |
| Total risk-based capital ratio | 27.3354% | 670 |
| Memoranda: | ||
| Average total assets | $30,275,670 | 5,144 |
| Average earning assets | $25,524,330 | 5,158 |
| Average equity | $3,648,330 | 5,137 |
| Average total loans | $21,272,670 | 4,949 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6204% | 2,466 |
| Cost of funding earning assets | 0.9935% | 1,593 |
| Net interest margin | 3.6270% | 3,150 |
| Noninterest income to average assets | 0.1329% | 4,933 |
| Noninterest expense to average assets | 2.2986% | 4,027 |
| Loan and lease loss provision to assets | 0.0664% | 2,338 |
| Net operating income to assets | 0.6112% | 4,201 |
| Return on assets (ROA) | 0.6112% | 4,243 |
| Pretax return on assets | 0.8238% | 3,986 |
| Return on Equity (ROE) | 5.0829% | 4,303 |
| Retained earnings to average equity (ytd only) | 2.2099% | 4,009 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0833% | 2,031 |
| Assets per employee ($millions) | 6.0736% | 1,491 |
| Cash dividends to net income (ytd only)* | 56.5217% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0431% | 3,441 |
| Loan loss allowance to noncurrent loans | 176.8000% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.4116% | 2,939 |
| Noncurrent loans to loans | 0.5900% | 2,569 |
| Net loans and leases to total assets | 69.0365% | 2,616 |
| Net loans and leases to deposits | 78.5530% | 2,999 |
| Net loans and leases to core deposits | 81.9233% | 3,193 |
| Total domestic deposits to total assets | 87.8853% | 1,399 |
| Equity capital to assets | 11.9534% | 2,046 |
| Core capital (leverage) ratio | 11.9271% | 1,818 |
| Tier 1 risk-based capital ratio | 26.0234% | 685 |
| Total risk-based capital ratio | 27.2779% | 671 |
| Memoranda: | ||
| Average total assets | $30,105,500 | 5,199 |
| Average earning assets | $25,365,500 | 5,216 |
| Average equity | $3,620,000 | 5,190 |
| Average total loans | $21,119,000 | 5,011 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4668% | 2,557 |
| Cost of funding earning assets | 0.7948% | 1,546 |
| Net interest margin | 3.6720% | 3,153 |
| Noninterest income to average assets | 0.1232% | 5,063 |
| Noninterest expense to average assets | 1.9162% | 4,875 |
| Loan and lease loss provision to assets | 0.0684% | 2,774 |
| Net operating income to assets | 1.0026% | 2,998 |
| Return on assets (ROA) | 1.0026% | 2,985 |
| Pretax return on assets | 1.3003% | 2,499 |
| Return on Equity (ROE) | 8.4760% | 3,229 |
| Retained earnings to average equity (ytd only) | 7.7818% | 1,334 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3333% | 4,112 |
| Assets per employee ($millions) | 5.9686% | 1,546 |
| Cash dividends to net income (ytd only)* | 8.1911% | 3,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0260% | 3,519 |
| Loan loss allowance to noncurrent loans | 254.1176% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.2848% | 3,444 |
| Noncurrent loans to loans | 0.4038% | 3,080 |
| Net loans and leases to total assets | 69.8187% | 2,590 |
| Net loans and leases to deposits | 79.5449% | 3,002 |
| Net loans and leases to core deposits | 83.0153% | 3,178 |
| Total domestic deposits to total assets | 87.7727% | 1,404 |
| Equity capital to assets | 12.0966% | 1,824 |
| Core capital (leverage) ratio | 11.9671% | 1,756 |
| Tier 1 risk-based capital ratio | 25.9227% | 671 |
| Total risk-based capital ratio | 27.1794% | 657 |
| Memoranda: | ||
| Average total assets | $29,223,800 | 5,254 |
| Average earning assets | $25,163,200 | 5,264 |
| Average equity | $3,456,800 | 5,241 |
| Average total loans | $21,321,800 | 5,044 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4145% | 2,578 |
| Cost of funding earning assets | 0.7481% | 1,591 |
| Net interest margin | 3.6663% | 3,138 |
| Noninterest income to average assets | 0.1147% | 5,155 |
| Noninterest expense to average assets | 1.9723% | 4,788 |
| Loan and lease loss provision to assets | 0.0688% | 2,599 |
| Net operating income to assets | 0.9724% | 3,207 |
| Return on assets (ROA) | 0.9724% | 3,220 |
| Pretax return on assets | 1.2430% | 2,839 |
| Return on Equity (ROE) | 8.2685% | 3,430 |
| Retained earnings to average equity (ytd only) | 7.3325% | 1,954 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0559% | 3,810 |
| Assets per employee ($millions) | 5.8540% | 1,603 |
| Cash dividends to net income (ytd only)* | 11.3210% | 3,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0006% | 3,754 |
| Loan loss allowance to noncurrent loans | 239.7727% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.3006% | 3,494 |
| Noncurrent loans to loans | 0.4173% | 3,162 |
| Net loans and leases to total assets | 71.3256% | 2,439 |
| Net loans and leases to deposits | 81.2556% | 2,899 |
| Net loans and leases to core deposits | 84.9073% | 3,086 |
| Total domestic deposits to total assets | 87.7793% | 1,344 |
| Equity capital to assets | 12.0567% | 1,873 |
| Core capital (leverage) ratio | 11.8946% | 1,844 |
| Tier 1 risk-based capital ratio | 25.4287% | 715 |
| Total risk-based capital ratio | 26.6825% | 700 |
| Memoranda: | ||
| Average total assets | $29,069,000 | 5,323 |
| Average earning assets | $25,129,000 | 5,330 |
| Average equity | $3,418,500 | 5,313 |
| Average total loans | $21,389,250 | 5,105 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3764% | 2,496 |
| Cost of funding earning assets | 0.7215% | 1,513 |
| Net interest margin | 3.6549% | 3,096 |
| Noninterest income to average assets | 0.1103% | 5,233 |
| Noninterest expense to average assets | 2.0826% | 4,644 |
| Loan and lease loss provision to assets | 0.0690% | 2,500 |
| Net operating income to assets | 0.8689% | 3,587 |
| Return on assets (ROA) | 0.8689% | 3,591 |
| Pretax return on assets | 1.1379% | 3,172 |
| Return on Equity (ROE) | 7.4519% | 3,747 |
| Retained earnings to average equity (ytd only) | 6.0325% | 2,542 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3124% | 3,412 |
| Assets per employee ($millions) | 5.8654% | 1,577 |
| Cash dividends to net income (ytd only)* | 19.0476% | 3,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9583% | 4,071 |
| Loan loss allowance to noncurrent loans | 228.8889% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 0.3069% | 3,537 |
| Noncurrent loans to loans | 0.4187% | 3,200 |
| Net loans and leases to total assets | 72.5986% | 2,181 |
| Net loans and leases to deposits | 82.4561% | 2,718 |
| Net loans and leases to core deposits | 86.1286% | 2,910 |
| Total domestic deposits to total assets | 88.0451% | 1,355 |
| Equity capital to assets | 11.7400% | 2,026 |
| Core capital (leverage) ratio | 11.6318% | 1,958 |
| Tier 1 risk-based capital ratio | 24.3476% | 804 |
| Total risk-based capital ratio | 25.5993% | 779 |
| Memoranda: | ||
| Average total assets | $29,002,000 | 5,386 |
| Average earning assets | $25,226,330 | 5,388 |
| Average equity | $3,381,670 | 5,376 |
| Average total loans | $21,489,670 | 5,163 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2977% | 2,521 |
| Cost of funding earning assets | 0.7454% | 1,211 |
| Net interest margin | 3.5523% | 3,334 |
| Noninterest income to average assets | 0.1248% | 5,233 |
| Noninterest expense to average assets | 2.3579% | 4,049 |
| Loan and lease loss provision to assets | 0.0693% | 2,379 |
| Net operating income to assets | 0.6103% | 4,397 |
| Return on assets (ROA) | 0.6103% | 4,402 |
| Pretax return on assets | 0.8045% | 4,135 |
| Return on Equity (ROE) | 5.2522% | 4,402 |
| Retained earnings to average equity (ytd only) | 2.3873% | 4,214 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9614% | 2,046 |
| Assets per employee ($millions) | 5.8694% | 1,632 |
| Cash dividends to net income (ytd only)* | 54.5455% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9237% | 4,337 |
| Loan loss allowance to noncurrent loans | 216.1290% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 0.3169% | 3,561 |
| Noncurrent loans to loans | 0.4274% | 3,257 |
| Net loans and leases to total assets | 73.4658% | 1,954 |
| Net loans and leases to deposits | 83.0829% | 2,493 |
| Net loans and leases to core deposits | 86.7536% | 2,743 |
| Total domestic deposits to total assets | 88.4247% | 1,394 |
| Equity capital to assets | 11.4526% | 2,169 |
| Core capital (leverage) ratio | 11.6929% | 1,857 |
| Tier 1 risk-based capital ratio | 23.5397% | 888 |
| Total risk-based capital ratio | 24.7934% | 870 |
| Memoranda: | ||
| Average total assets | $28,839,500 | 5,449 |
| Average earning assets | $25,223,000 | 5,448 |
| Average equity | $3,351,000 | 5,433 |
| Average total loans | $21,486,000 | 5,219 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2620% | 2,457 |
| Cost of funding earning assets | 0.6981% | 1,032 |
| Net interest margin | 3.5639% | 3,290 |
| Noninterest income to average assets | 0.1171% | 5,349 |
| Noninterest expense to average assets | 1.8984% | 5,115 |
| Loan and lease loss provision to assets | 0.0710% | 2,787 |
| Net operating income to assets | 0.7807% | 3,246 |
| Return on assets (ROA) | 0.7807% | 3,287 |
| Pretax return on assets | 1.2455% | 2,574 |
| Return on Equity (ROE) | 6.8065% | 3,373 |
| Retained earnings to average equity (ytd only) | 6.0640% | 1,509 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0508% | 4,407 |
| Assets per employee ($millions) | 5.6664% | 1,773 |
| Cash dividends to net income (ytd only)* | 10.9091% | 3,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9240% | 4,351 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 74.1741% | 1,888 |
| Net loans and leases to deposits | 84.1880% | 2,475 |
| Net loans and leases to core deposits | 88.0504% | 2,717 |
| Total domestic deposits to total assets | 88.1053% | 1,438 |
| Equity capital to assets | 11.7923% | 1,982 |
| Core capital (leverage) ratio | 11.5514% | 1,908 |
| Tier 1 risk-based capital ratio | 24.5193% | 768 |
| Total risk-based capital ratio | 25.7743% | 749 |
| Memoranda: | ||
| Average total assets | $28,181,200 | 5,515 |
| Average earning assets | $24,495,600 | 5,516 |
| Average equity | $3,232,200 | 5,506 |
| Average total loans | $20,762,800 | 5,290 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2487% | 2,439 |
| Cost of funding earning assets | 0.6890% | 1,016 |
| Net interest margin | 3.5597% | 3,292 |
| Noninterest income to average assets | 0.1137% | 5,428 |
| Noninterest expense to average assets | 1.9092% | 5,119 |
| Loan and lease loss provision to assets | 0.0711% | 2,657 |
| Net operating income to assets | 0.7912% | 3,559 |
| Return on assets (ROA) | 0.7912% | 3,615 |
| Pretax return on assets | 1.2175% | 2,833 |
| Return on Equity (ROE) | 6.9473% | 3,688 |
| Retained earnings to average equity (ytd only) | 5.9488% | 2,275 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7037% | 4,264 |
| Assets per employee ($millions) | 5.8282% | 1,628 |
| Cash dividends to net income (ytd only)* | 14.3717% | 3,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9016% | 4,558 |
| Loan loss allowance to noncurrent loans | 196.9072% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 0.3329% | 3,718 |
| Noncurrent loans to loans | 0.4579% | 3,335 |
| Net loans and leases to total assets | 72.0394% | 2,247 |
| Net loans and leases to deposits | 81.3304% | 2,844 |
| Net loans and leases to core deposits | 85.9629% | 2,974 |
| Total domestic deposits to total assets | 88.5762% | 1,083 |
| Equity capital to assets | 11.2831% | 2,587 |
| Core capital (leverage) ratio | 11.3658% | 2,128 |
| Tier 1 risk-based capital ratio | 24.0053% | 852 |
| Total risk-based capital ratio | 25.2537% | 829 |
| Memoranda: | ||
| Average total assets | $28,143,500 | 5,576 |
| Average earning assets | $24,383,500 | 5,582 |
| Average equity | $3,205,000 | 5,573 |
| Average total loans | $20,650,750 | 5,353 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2388% | 2,328 |
| Cost of funding earning assets | 0.6775% | 1,003 |
| Net interest margin | 3.5612% | 3,179 |
| Noninterest income to average assets | 0.1223% | 5,437 |
| Noninterest expense to average assets | 1.9992% | 4,981 |
| Loan and lease loss provision to assets | 0.0719% | 2,532 |
| Net operating income to assets | 0.7407% | 3,668 |
| Return on assets (ROA) | 0.7407% | 3,732 |
| Pretax return on assets | 1.1506% | 2,974 |
| Return on Equity (ROE) | 6.4834% | 3,831 |
| Retained earnings to average equity (ytd only) | 4.9727% | 2,725 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0536% | 3,981 |
| Assets per employee ($millions) | 5.7810% | 1,628 |
| Cash dividends to net income (ytd only)* | 23.3010% | 2,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8956% | 4,657 |
| Loan loss allowance to noncurrent loans | 187.8788% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.3425% | 3,748 |
| Noncurrent loans to loans | 0.4767% | 3,317 |
| Net loans and leases to total assets | 71.2057% | 2,335 |
| Net loans and leases to deposits | 80.2793% | 2,878 |
| Net loans and leases to core deposits | 84.8707% | 2,979 |
| Total domestic deposits to total assets | 88.6975% | 1,106 |
| Equity capital to assets | 11.1538% | 2,651 |
| Core capital (leverage) ratio | 11.4713% | 1,989 |
| Tier 1 risk-based capital ratio | 23.8620% | 864 |
| Total risk-based capital ratio | 25.1129% | 846 |
| Memoranda: | ||
| Average total assets | $27,811,000 | 5,627 |
| Average earning assets | $24,205,000 | 5,629 |
| Average equity | $3,177,330 | 5,620 |
| Average total loans | $20,473,000 | 5,394 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2565% | 2,082 |
| Cost of funding earning assets | 0.6817% | 920 |
| Net interest margin | 3.5748% | 2,983 |
| Noninterest income to average assets | 0.1320% | 5,457 |
| Noninterest expense to average assets | 2.2594% | 4,509 |
| Loan and lease loss provision to assets | 0.0734% | 2,334 |
| Net operating income to assets | 0.6162% | 4,086 |
| Return on assets (ROA) | 0.6162% | 4,142 |
| Pretax return on assets | 0.9536% | 3,576 |
| Return on Equity (ROE) | 5.3266% | 4,237 |
| Retained earnings to average equity (ytd only) | 2.2828% | 4,227 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7500% | 3,089 |
| Assets per employee ($millions) | 5.5646% | 1,825 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8771% | 4,835 |
| Loan loss allowance to noncurrent loans | 182.8283% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 0.3558% | 3,780 |
| Noncurrent loans to loans | 0.4797% | 3,366 |
| Net loans and leases to total assets | 73.5219% | 1,817 |
| Net loans and leases to deposits | 83.1477% | 2,377 |
| Net loans and leases to core deposits | 88.1003% | 2,536 |
| Total domestic deposits to total assets | 88.4232% | 1,472 |
| Equity capital to assets | 11.3683% | 2,287 |
| Core capital (leverage) ratio | 11.5077% | 1,939 |
| Tier 1 risk-based capital ratio | 23.4592% | 923 |
| Total risk-based capital ratio | 24.7126% | 911 |
| Memoranda: | ||
| Average total assets | $27,264,000 | 5,703 |
| Average earning assets | $24,057,500 | 5,696 |
| Average equity | $3,154,000 | 5,684 |
| Average total loans | $20,325,500 | 5,454 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1280% | 2,744 |
| Cost of funding earning assets | 0.6525% | 1,041 |
| Net interest margin | 3.4756% | 3,522 |
| Noninterest income to average assets | 0.1275% | 5,550 |
| Noninterest expense to average assets | 1.8864% | 5,379 |
| Loan and lease loss provision to assets | 0.0728% | 2,896 |
| Net operating income to assets | 0.7684% | 3,460 |
| Return on assets (ROA) | 0.7684% | 3,562 |
| Pretax return on assets | 1.1945% | 2,696 |
| Return on Equity (ROE) | 6.9358% | 3,505 |
| Retained earnings to average equity (ytd only) | 6.1469% | 1,635 |
| Net charge-offs to loans | -0.0198% | 5,126 |
| Credit loss provision to net charge-offs | -500.0000% | 5,166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8152% | 4,612 |
| Assets per employee ($millions) | 5.3410% | 2,012 |
| Cash dividends to net income (ytd only)* | 11.3744% | 3,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8794% | 4,859 |
| Loan loss allowance to noncurrent loans | 104.7619% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 0.6291% | 2,836 |
| Noncurrent loans to loans | 0.8394% | 2,425 |
| Net loans and leases to total assets | 74.2857% | 1,796 |
| Net loans and leases to deposits | 84.2951% | 2,381 |
| Net loans and leases to core deposits | 89.5419% | 2,545 |
| Total domestic deposits to total assets | 88.1258% | 1,579 |
| Equity capital to assets | 11.7768% | 1,948 |
| Core capital (leverage) ratio | 11.6185% | 1,847 |
| Tier 1 risk-based capital ratio | 24.1607% | 855 |
| Total risk-based capital ratio | 25.4129% | 826 |
| Memoranda: | ||
| Average total assets | $27,459,200 | 5,753 |
| Average earning assets | $23,909,800 | 5,748 |
| Average equity | $3,042,200 | 5,757 |
| Average total loans | $20,172,600 | 5,518 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1640% | 2,632 |
| Cost of funding earning assets | 0.6513% | 1,054 |
| Net interest margin | 3.5127% | 3,423 |
| Noninterest income to average assets | 0.1157% | 5,657 |
| Noninterest expense to average assets | 1.8615% | 5,444 |
| Loan and lease loss provision to assets | 0.0723% | 2,767 |
| Net operating income to assets | 0.7957% | 3,384 |
| Return on assets (ROA) | 0.7957% | 3,526 |
| Pretax return on assets | 1.2249% | 2,730 |
| Return on Equity (ROE) | 7.2929% | 3,405 |
| Retained earnings to average equity (ytd only) | 6.2324% | 2,045 |
| Net charge-offs to loans | -0.0264% | 5,106 |
| Credit loss provision to net charge-offs | -375.0000% | 4,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9313% | 4,696 |
| Assets per employee ($millions) | 5.4688% | 1,884 |
| Cash dividends to net income (ytd only)* | 14.5461% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8577% | 5,012 |
| Loan loss allowance to noncurrent loans | 169.3069% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 0.3694% | 3,945 |
| Noncurrent loans to loans | 0.5066% | 3,480 |
| Net loans and leases to total assets | 72.2828% | 2,147 |
| Net loans and leases to deposits | 81.6398% | 2,776 |
| Net loans and leases to core deposits | 88.1264% | 2,746 |
| Total domestic deposits to total assets | 88.5386% | 1,141 |
| Equity capital to assets | 11.3334% | 2,673 |
| Core capital (leverage) ratio | 11.1327% | 2,328 |
| Tier 1 risk-based capital ratio | 23.5522% | 940 |
| Total risk-based capital ratio | 24.7910% | 926 |
| Memoranda: | ||
| Average total assets | $27,647,750 | 5,812 |
| Average earning assets | $23,950,500 | 5,807 |
| Average equity | $3,016,500 | 5,819 |
| Average total loans | $20,212,250 | 5,569 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1424% | 2,706 |
| Cost of funding earning assets | 0.6405% | 1,088 |
| Net interest margin | 3.5019% | 3,487 |
| Noninterest income to average assets | 0.1009% | 5,778 |
| Noninterest expense to average assets | 1.9028% | 5,446 |
| Loan and lease loss provision to assets | 0.0721% | 2,694 |
| Net operating income to assets | 0.7424% | 3,586 |
| Return on assets (ROA) | 0.7424% | 3,742 |
| Pretax return on assets | 1.1604% | 2,944 |
| Return on Equity (ROE) | 6.8919% | 3,607 |
| Retained earnings to average equity (ytd only) | 5.2860% | 2,555 |
| Net charge-offs to loans | -0.0394% | 5,260 |
| Credit loss provision to net charge-offs | -250.0000% | 4,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6897% | 4,551 |
| Assets per employee ($millions) | 5.6202% | 1,684 |
| Cash dividends to net income (ytd only)* | 23.3010% | 3,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8293% | 5,197 |
| Loan loss allowance to noncurrent loans | 164.3564% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 0.3594% | 4,042 |
| Noncurrent loans to loans | 0.5046% | 3,572 |
| Net loans and leases to total assets | 70.6416% | 2,378 |
| Net loans and leases to deposits | 79.2898% | 3,022 |
| Net loans and leases to core deposits | 84.8370% | 3,003 |
| Total domestic deposits to total assets | 89.0929% | 879 |
| Equity capital to assets | 10.8074% | 3,277 |
| Core capital (leverage) ratio | 10.9351% | 2,505 |
| Tier 1 risk-based capital ratio | 23.4445% | 969 |
| Total risk-based capital ratio | 24.6951% | 947 |
| Memoranda: | ||
| Average total assets | $27,749,000 | 5,886 |
| Average earning assets | $24,044,000 | 5,877 |
| Average equity | $2,989,000 | 5,894 |
| Average total loans | $20,304,330 | 5,625 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1338% | 2,712 |
| Cost of funding earning assets | 0.6283% | 1,160 |
| Net interest margin | 3.5054% | 3,458 |
| Noninterest income to average assets | 0.1161% | 5,764 |
| Noninterest expense to average assets | 2.1760% | 4,960 |
| Loan and lease loss provision to assets | 0.0725% | 2,509 |
| Net operating income to assets | 0.5513% | 4,420 |
| Return on assets (ROA) | 0.5513% | 4,519 |
| Pretax return on assets | 0.9430% | 3,682 |
| Return on Equity (ROE) | 5.1265% | 4,426 |
| Retained earnings to average equity (ytd only) | 1.8887% | 4,500 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1818% | 3,436 |
| Assets per employee ($millions) | 5.5508% | 1,792 |
| Cash dividends to net income (ytd only)* | 63.1579% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7670% | 5,450 |
| Loan loss allowance to noncurrent loans | 155.4455% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 0.3639% | 4,109 |
| Noncurrent loans to loans | 0.4934% | 3,695 |
| Net loans and leases to total assets | 73.1858% | 1,856 |
| Net loans and leases to deposits | 82.0621% | 2,535 |
| Net loans and leases to core deposits | 87.8623% | 2,579 |
| Total domestic deposits to total assets | 89.1835% | 1,008 |
| Equity capital to assets | 10.7084% | 3,247 |
| Core capital (leverage) ratio | 10.7479% | 2,672 |
| Tier 1 risk-based capital ratio | 22.5288% | 1,088 |
| Total risk-based capital ratio | 23.7189% | 1,066 |
| Memoranda: | ||
| Average total assets | $27,573,000 | 5,948 |
| Average earning assets | $24,191,000 | 5,936 |
| Average equity | $2,965,000 | 5,951 |
| Average total loans | $20,448,000 | 5,667 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1123% | 2,869 |
| Cost of funding earning assets | 0.6400% | 1,126 |
| Net interest margin | 3.4723% | 3,627 |
| Noninterest income to average assets | 0.1264% | 5,782 |
| Noninterest expense to average assets | 1.8508% | 5,674 |
| Loan and lease loss provision to assets | 0.0743% | 2,785 |
| Net operating income to assets | 0.8845% | 2,957 |
| Return on assets (ROA) | 0.8845% | 3,041 |
| Pretax return on assets | 1.3268% | 2,172 |
| Return on Equity (ROE) | 8.3773% | 2,768 |
| Retained earnings to average equity (ytd only) | 7.5326% | 1,086 |
| Net charge-offs to loans | 0.0098% | 4,121 |
| Credit loss provision to net charge-offs | 1,000.0000% | 332 |
| Earnings coverage of net charge-offs (x) | 188.5000% | 352 |
| Efficiency ratio | 56.9143% | 5,260 |
| Assets per employee ($millions) | 5.4784% | 1,830 |
| Cash dividends to net income (ytd only)* | 10.0840% | 4,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7441% | 5,548 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 74.0180% | 1,726 |
| Net loans and leases to deposits | 83.0568% | 2,467 |
| Net loans and leases to core deposits | 87.8695% | 2,614 |
| Total domestic deposits to total assets | 89.1173% | 1,064 |
| Equity capital to assets | 10.7988% | 3,032 |
| Core capital (leverage) ratio | 10.8491% | 2,562 |
| Tier 1 risk-based capital ratio | 22.5647% | 1,077 |
| Total risk-based capital ratio | 23.7242% | 1,067 |
| Memoranda: | ||
| Average total assets | $26,906,800 | 6,003 |
| Average earning assets | $24,220,200 | 5,993 |
| Average equity | $2,841,000 | 6,019 |
| Average total loans | $20,329,200 | 5,706 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1101% | 2,897 |
| Cost of funding earning assets | 0.6438% | 1,130 |
| Net interest margin | 3.4663% | 3,687 |
| Noninterest income to average assets | 0.1195% | 5,878 |
| Noninterest expense to average assets | 1.8666% | 5,687 |
| Loan and lease loss provision to assets | 0.0747% | 2,682 |
| Net operating income to assets | 0.8910% | 3,000 |
| Return on assets (ROA) | 0.8910% | 3,086 |
| Pretax return on assets | 1.3141% | 2,336 |
| Return on Equity (ROE) | 8.4880% | 2,830 |
| Retained earnings to average equity (ytd only) | 7.3499% | 1,524 |
| Net charge-offs to loans | 0.0131% | 3,719 |
| Credit loss provision to net charge-offs | 750.0000% | 458 |
| Earnings coverage of net charge-offs (x) | 139.3221% | 493 |
| Efficiency ratio | 57.3394% | 5,195 |
| Assets per employee ($millions) | 5.4558% | 1,817 |
| Cash dividends to net income (ytd only)* | 13.4082% | 3,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7204% | 5,684 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 74.2623% | 1,692 |
| Net loans and leases to deposits | 83.2258% | 2,501 |
| Net loans and leases to core deposits | 87.3077% | 2,723 |
| Total domestic deposits to total assets | 89.2298% | 908 |
| Equity capital to assets | 10.6272% | 3,438 |
| Core capital (leverage) ratio | 10.5907% | 2,934 |
| Tier 1 risk-based capital ratio | 22.2606% | 1,155 |
| Total risk-based capital ratio | 23.3894% | 1,155 |
| Memoranda: | ||
| Average total assets | $26,785,500 | 6,089 |
| Average earning assets | $24,232,500 | 6,075 |
| Average equity | $2,811,750 | 6,106 |
| Average total loans | $20,304,750 | 5,780 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0990% | 2,900 |
| Cost of funding earning assets | 0.6433% | 1,141 |
| Net interest margin | 3.4557% | 3,681 |
| Noninterest income to average assets | 0.1127% | 5,979 |
| Noninterest expense to average assets | 1.9684% | 5,592 |
| Loan and lease loss provision to assets | 0.0751% | 2,609 |
| Net operating income to assets | 0.8414% | 3,163 |
| Return on assets (ROA) | 0.8414% | 3,270 |
| Pretax return on assets | 1.2171% | 2,708 |
| Return on Equity (ROE) | 8.0498% | 3,022 |
| Retained earnings to average equity (ytd only) | 6.3249% | 2,047 |
| Net charge-offs to loans | 0.0197% | 3,289 |
| Credit loss provision to net charge-offs | 500.0000% | 619 |
| Earnings coverage of net charge-offs (x) | 86.0000% | 666 |
| Efficiency ratio | 60.3687% | 4,934 |
| Assets per employee ($millions) | 5.4064% | 1,831 |
| Cash dividends to net income (ytd only)* | 21.4286% | 3,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6959% | 5,828 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 74.9593% | 1,508 |
| Net loans and leases to deposits | 83.8180% | 2,333 |
| Net loans and leases to core deposits | 87.9509% | 2,557 |
| Total domestic deposits to total assets | 89.4310% | 935 |
| Equity capital to assets | 10.4765% | 3,468 |
| Core capital (leverage) ratio | 10.5778% | 2,866 |
| Tier 1 risk-based capital ratio | 21.3253% | 1,306 |
| Total risk-based capital ratio | 22.3946% | 1,306 |
| Memoranda: | ||
| Average total assets | $26,621,000 | 6,158 |
| Average earning assets | $24,249,670 | 6,143 |
| Average equity | $2,782,670 | 6,175 |
| Average total loans | $20,271,330 | 5,838 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1183% | 2,762 |
| Cost of funding earning assets | 0.6450% | 1,151 |
| Net interest margin | 3.4733% | 3,538 |
| Noninterest income to average assets | 0.1060% | 6,053 |
| Noninterest expense to average assets | 2.1805% | 5,201 |
| Loan and lease loss provision to assets | 0.0757% | 2,438 |
| Net operating income to assets | 0.7874% | 3,330 |
| Return on assets (ROA) | 0.7874% | 3,465 |
| Pretax return on assets | 1.0297% | 3,379 |
| Return on Equity (ROE) | 7.5417% | 3,200 |
| Retained earnings to average equity (ytd only) | 4.0609% | 3,566 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3594% | 4,087 |
| Assets per employee ($millions) | 5.3248% | 1,967 |
| Cash dividends to net income (ytd only)* | 46.1538% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6807% | 5,939 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 76.1719% | 1,184 |
| Net loans and leases to deposits | 85.1886% | 1,931 |
| Net loans and leases to core deposits | 89.4495% | 2,182 |
| Total domestic deposits to total assets | 89.4156% | 1,037 |
| Equity capital to assets | 10.4117% | 3,634 |
| Core capital (leverage) ratio | 10.4332% | 3,058 |
| Tier 1 risk-based capital ratio | 21.1603% | 1,387 |
| Total risk-based capital ratio | 22.2214% | 1,406 |
| Memoranda: | ||
| Average total assets | $26,415,500 | 6,230 |
| Average earning assets | $24,184,500 | 6,208 |
| Average equity | $2,758,000 | 6,239 |
| Average total loans | $20,204,500 | 5,889 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1418% | 3,161 |
| Cost of funding earning assets | 0.7747% | 744 |
| Net interest margin | 3.3671% | 4,344 |
| Noninterest income to average assets | 0.1187% | 6,090 |
| Noninterest expense to average assets | 1.8394% | 6,018 |
| Loan and lease loss provision to assets | 0.0742% | 3,002 |
| Net operating income to assets | 0.7232% | 3,779 |
| Return on assets (ROA) | 0.7232% | 3,887 |
| Pretax return on assets | 1.1385% | 2,935 |
| Return on Equity (ROE) | 7.3763% | 3,427 |
| Retained earnings to average equity (ytd only) | 6.4685% | 1,665 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2673% | 5,186 |
| Assets per employee ($millions) | 5.2414% | 2,025 |
| Cash dividends to net income (ytd only)* | 12.3077% | 4,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6703% | 6,043 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 75.7660% | 1,304 |
| Net loans and leases to deposits | 84.7063% | 2,137 |
| Net loans and leases to core deposits | 89.0044% | 2,382 |
| Total domestic deposits to total assets | 89.4456% | 994 |
| Equity capital to assets | 10.4705% | 3,521 |
| Core capital (leverage) ratio | 10.2346% | 3,268 |
| Tier 1 risk-based capital ratio | 20.4151% | 1,521 |
| Total risk-based capital ratio | 21.4121% | 1,536 |
| Memoranda: | ||
| Average total assets | $26,964,600 | 6,316 |
| Average earning assets | $23,492,000 | 6,308 |
| Average equity | $2,643,600 | 6,326 |
| Average total loans | $19,502,200 | 5,982 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1246% | 3,278 |
| Cost of funding earning assets | 0.8044% | 671 |
| Net interest margin | 3.3202% | 4,535 |
| Noninterest income to average assets | 0.1178% | 6,175 |
| Noninterest expense to average assets | 1.8413% | 6,037 |
| Loan and lease loss provision to assets | 0.0737% | 2,866 |
| Net operating income to assets | 0.6678% | 4,114 |
| Return on assets (ROA) | 0.6678% | 4,211 |
| Pretax return on assets | 1.0606% | 3,338 |
| Return on Equity (ROE) | 6.9250% | 3,739 |
| Retained earnings to average equity (ytd only) | 5.7029% | 2,604 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8812% | 4,903 |
| Assets per employee ($millions) | 5.4778% | 1,748 |
| Cash dividends to net income (ytd only)* | 17.6474% | 3,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6528% | 6,166 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 71.6748% | 1,913 |
| Net loans and leases to deposits | 79.5776% | 2,760 |
| Net loans and leases to core deposits | 83.4438% | 2,949 |
| Total domestic deposits to total assets | 90.0690% | 704 |
| Equity capital to assets | 9.8032% | 4,419 |
| Core capital (leverage) ratio | 9.9195% | 3,780 |
| Tier 1 risk-based capital ratio | 19.7543% | 1,726 |
| Total risk-based capital ratio | 20.7034% | 1,764 |
| Memoranda: | ||
| Average total assets | $27,154,000 | 6,385 |
| Average earning assets | $23,371,500 | 6,384 |
| Average equity | $2,618,500 | 6,403 |
| Average total loans | $19,380,250 | 6,051 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0863% | 3,402 |
| Cost of funding earning assets | 0.8259% | 623 |
| Net interest margin | 3.2604% | 4,735 |
| Noninterest income to average assets | 0.1182% | 6,209 |
| Noninterest expense to average assets | 1.9058% | 5,994 |
| Loan and lease loss provision to assets | 0.0739% | 2,794 |
| Net operating income to assets | 0.5983% | 4,363 |
| Return on assets (ROA) | 0.5983% | 4,456 |
| Pretax return on assets | 0.9381% | 3,732 |
| Return on Equity (ROE) | 6.2396% | 4,029 |
| Retained earnings to average equity (ytd only) | 4.3908% | 3,384 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3165% | 4,467 |
| Assets per employee ($millions) | 5.4834% | 1,707 |
| Cash dividends to net income (ytd only)* | 29.6296% | 2,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6357% | 6,260 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 70.6970% | 1,966 |
| Net loans and leases to deposits | 78.2898% | 2,759 |
| Net loans and leases to core deposits | 83.4898% | 2,792 |
| Total domestic deposits to total assets | 90.3016% | 660 |
| Equity capital to assets | 9.5926% | 4,637 |
| Core capital (leverage) ratio | 9.5978% | 4,181 |
| Tier 1 risk-based capital ratio | 19.8176% | 1,729 |
| Total risk-based capital ratio | 20.7520% | 1,770 |
| Memoranda: | ||
| Average total assets | $27,075,670 | 6,449 |
| Average earning assets | $23,248,330 | 6,454 |
| Average equity | $2,596,330 | 6,463 |
| Average total loans | $19,253,670 | 6,104 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0650% | 3,422 |
| Cost of funding earning assets | 0.8476% | 590 |
| Net interest margin | 3.2174% | 4,873 |
| Noninterest income to average assets | 0.1189% | 6,252 |
| Noninterest expense to average assets | 2.0517% | 5,785 |
| Loan and lease loss provision to assets | 0.0743% | 2,650 |
| Net operating income to assets | 0.5501% | 4,458 |
| Return on assets (ROA) | 0.5501% | 4,529 |
| Pretax return on assets | 0.7582% | 4,281 |
| Return on Equity (ROE) | 5.7375% | 4,158 |
| Retained earnings to average equity (ytd only) | 2.0159% | 4,799 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1340% | 3,637 |
| Assets per employee ($millions) | 5.4224% | 1,778 |
| Cash dividends to net income (ytd only)* | 64.8649% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6166% | 6,386 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 70.7399% | 1,770 |
| Net loans and leases to deposits | 78.3648% | 2,498 |
| Net loans and leases to core deposits | 83.6233% | 2,559 |
| Total domestic deposits to total assets | 90.2700% | 927 |
| Equity capital to assets | 9.5382% | 4,449 |
| Core capital (leverage) ratio | 9.5742% | 4,172 |
| Tier 1 risk-based capital ratio | 19.7782% | 1,773 |
| Total risk-based capital ratio | 20.6883% | 1,818 |
| Memoranda: | ||
| Average total assets | $26,905,000 | 6,521 |
| Average earning assets | $23,124,500 | 6,523 |
| Average equity | $2,579,500 | 6,524 |
| Average total loans | $19,127,000 | 6,171 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1291% | 3,624 |
| Cost of funding earning assets | 0.9606% | 549 |
| Net interest margin | 3.1685% | 5,097 |
| Noninterest income to average assets | 0.1370% | 6,252 |
| Noninterest expense to average assets | 1.7894% | 6,338 |
| Loan and lease loss provision to assets | 0.0783% | 3,542 |
| Net operating income to assets | 0.6849% | 3,874 |
| Return on assets (ROA) | 0.6147% | 4,312 |
| Pretax return on assets | 1.0141% | 3,295 |
| Return on Equity (ROE) | 6.2780% | 3,927 |
| Retained earnings to average equity (ytd only) | 5.3183% | 2,404 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8168% | 5,497 |
| Assets per employee ($millions) | 5.3396% | 1,807 |
| Cash dividends to net income (ytd only)* | 15.2866% | 3,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6014% | 6,469 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 70.5746% | 1,925 |
| Net loans and leases to deposits | 78.2638% | 2,692 |
| Net loans and leases to core deposits | 83.5973% | 2,713 |
| Total domestic deposits to total assets | 90.1753% | 986 |
| Equity capital to assets | 9.6374% | 4,234 |
| Core capital (leverage) ratio | 9.6620% | 4,037 |
| Tier 1 risk-based capital ratio | 20.1016% | 1,632 |
| Total risk-based capital ratio | 20.9922% | 1,689 |
| Memoranda: | ||
| Average total assets | $25,539,800 | 6,615 |
| Average earning assets | $23,007,400 | 6,599 |
| Average equity | $2,500,800 | 6,630 |
| Average total loans | $18,356,800 | 6,275 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1300% | 3,640 |
| Cost of funding earning assets | 0.9847% | 534 |
| Net interest margin | 3.1453% | 5,163 |
| Noninterest income to average assets | 0.1426% | 6,321 |
| Noninterest expense to average assets | 1.7689% | 6,390 |
| Loan and lease loss provision to assets | 0.0792% | 3,478 |
| Net operating income to assets | 0.8079% | 3,301 |
| Return on assets (ROA) | 0.8079% | 3,436 |
| Pretax return on assets | 1.1617% | 2,844 |
| Return on Equity (ROE) | 8.2163% | 3,017 |
| Retained earnings to average equity (ytd only) | 6.9278% | 1,917 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7719% | 5,591 |
| Assets per employee ($millions) | 5.1488% | 1,992 |
| Cash dividends to net income (ytd only)* | 15.6870% | 3,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5889% | 6,577 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 71.4730% | 1,688 |
| Net loans and leases to deposits | 79.4885% | 2,480 |
| Net loans and leases to core deposits | 86.1867% | 2,387 |
| Total domestic deposits to total assets | 89.9161% | 1,048 |
| Equity capital to assets | 9.9091% | 4,037 |
| Core capital (leverage) ratio | 10.0477% | 3,606 |
| Tier 1 risk-based capital ratio | 20.6994% | 1,559 |
| Total risk-based capital ratio | 21.5839% | 1,618 |
| Memoranda: | ||
| Average total assets | $25,250,250 | 6,695 |
| Average earning assets | $23,018,000 | 6,674 |
| Average equity | $2,482,750 | 6,709 |
| Average total loans | $18,207,000 | 6,347 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0855% | 3,793 |
| Cost of funding earning assets | 1.0106% | 518 |
| Net interest margin | 3.0749% | 5,350 |
| Noninterest income to average assets | 0.1435% | 6,333 |
| Noninterest expense to average assets | 1.8895% | 6,239 |
| Loan and lease loss provision to assets | 0.0797% | 3,462 |
| Net operating income to assets | 0.6857% | 3,873 |
| Return on assets (ROA) | 0.6857% | 4,042 |
| Pretax return on assets | 1.0125% | 3,453 |
| Return on Equity (ROE) | 6.9919% | 3,604 |
| Retained earnings to average equity (ytd only) | 5.0407% | 3,032 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3690% | 4,951 |
| Assets per employee ($millions) | 5.0266% | 2,082 |
| Cash dividends to net income (ytd only)* | 27.9070% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5681% | 6,649 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 72.4267% | 1,502 |
| Net loans and leases to deposits | 80.5122% | 2,251 |
| Net loans and leases to core deposits | 88.5920% | 2,053 |
| Total domestic deposits to total assets | 89.9574% | 1,052 |
| Equity capital to assets | 9.8834% | 4,078 |
| Core capital (leverage) ratio | 9.8396% | 3,736 |
| Tier 1 risk-based capital ratio | 20.0987% | 1,698 |
| Total risk-based capital ratio | 20.9402% | 1,778 |
| Memoranda: | ||
| Average total assets | $25,085,670 | 6,748 |
| Average earning assets | $23,155,000 | 6,719 |
| Average equity | $2,460,000 | 6,761 |
| Average total loans | $18,106,330 | 6,391 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0773% | 3,815 |
| Cost of funding earning assets | 1.0366% | 506 |
| Net interest margin | 3.0407% | 5,461 |
| Noninterest income to average assets | 0.1436% | 6,388 |
| Noninterest expense to average assets | 1.9951% | 6,116 |
| Loan and lease loss provision to assets | 0.0798% | 3,311 |
| Net operating income to assets | 0.6544% | 3,935 |
| Return on assets (ROA) | 0.6544% | 4,091 |
| Pretax return on assets | 0.8778% | 3,850 |
| Return on Equity (ROE) | 6.6993% | 3,660 |
| Retained earnings to average equity (ytd only) | 2.7778% | 4,620 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5676% | 4,397 |
| Assets per employee ($millions) | 4.9850% | 2,231 |
| Cash dividends to net income (ytd only)* | 58.5366% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5470% | 6,756 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 72.2166% | 1,315 |
| Net loans and leases to deposits | 80.3141% | 2,034 |
| Net loans and leases to core deposits | 88.4304% | 1,861 |
| Total domestic deposits to total assets | 89.9178% | 1,101 |
| Equity capital to assets | 9.8536% | 4,346 |
| Core capital (leverage) ratio | 9.7530% | 3,728 |
| Tier 1 risk-based capital ratio | 19.9124% | 1,798 |
| Total risk-based capital ratio | 20.7151% | 1,891 |
| Memoranda: | ||
| Average total assets | $25,062,000 | 6,816 |
| Average earning assets | $23,152,500 | 6,786 |
| Average equity | $2,448,000 | 6,827 |
| Average total loans | $18,006,000 | 6,452 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1868% | 4,640 |
| Cost of funding earning assets | 1.2210% | 524 |
| Net interest margin | 2.9658% | 6,106 |
| Noninterest income to average assets | 0.1031% | 6,494 |
| Noninterest expense to average assets | 1.9634% | 6,390 |
| Loan and lease loss provision to assets | 0.0825% | 4,668 |
| Net operating income to assets | 0.3254% | 5,377 |
| Return on assets (ROA) | -0.0495% | 6,347 |
| Pretax return on assets | 0.2269% | 5,953 |
| Return on Equity (ROE) | -0.5003% | 6,350 |
| Retained earnings to average equity (ytd only) | -1.5009% | 6,093 |
| Net charge-offs to loans | -0.0059% | 6,397 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6869% | 4,023 |
| Assets per employee ($millions) | 5.0398% | 2,181 |
| Cash dividends to net income (ytd only)* | -200.0000% | 7,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5248% | 6,821 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 70.7131% | 1,702 |
| Net loans and leases to deposits | 78.3976% | 2,474 |
| Net loans and leases to core deposits | 86.1779% | 2,298 |
| Total domestic deposits to total assets | 90.1980% | 848 |
| Equity capital to assets | 9.6829% | 4,617 |
| Core capital (leverage) ratio | 9.6852% | 3,832 |
| Tier 1 risk-based capital ratio | 20.0608% | 1,659 |
| Total risk-based capital ratio | 20.8337% | 1,758 |
| Memoranda: | ||
| Average total assets | $24,243,600 | 6,888 |
| Average earning assets | $22,523,400 | 6,854 |
| Average equity | $2,398,600 | 6,903 |
| Average total loans | $17,032,800 | 6,552 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1962% | 4,831 |
| Cost of funding earning assets | 1.2595% | 536 |
| Net interest margin | 2.9367% | 6,297 |
| Noninterest income to average assets | 0.0944% | 6,639 |
| Noninterest expense to average assets | 1.9662% | 6,412 |
| Loan and lease loss provision to assets | 0.0833% | 4,577 |
| Net operating income to assets | 0.5943% | 4,416 |
| Return on assets (ROA) | -0.1944% | 6,566 |
| Pretax return on assets | -0.0111% | 6,406 |
| Return on Equity (ROE) | -1.9542% | 6,566 |
| Retained earnings to average equity (ytd only) | -3.2936% | 6,500 |
| Net charge-offs to loans | -0.0079% | 6,323 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,579 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5481% | 3,779 |
| Assets per employee ($millions) | 4.9632% | 2,238 |
| Cash dividends to net income (ytd only)* | -68.5665% | 7,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5166% | 6,942 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 69.0603% | 2,099 |
| Net loans and leases to deposits | 76.7007% | 2,877 |
| Net loans and leases to core deposits | 84.4361% | 2,648 |
| Total domestic deposits to total assets | 90.0387% | 829 |
| Equity capital to assets | 9.7518% | 4,849 |
| Core capital (leverage) ratio | 9.7970% | 3,821 |
| Tier 1 risk-based capital ratio | 20.4257% | 1,647 |
| Total risk-based capital ratio | 21.1776% | 1,756 |
| Memoranda: | ||
| Average total assets | $24,004,750 | 6,982 |
| Average earning assets | $22,337,250 | 6,944 |
| Average equity | $2,388,250 | 6,995 |
| Average total loans | $16,812,750 | 6,646 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2427% | 4,795 |
| Cost of funding earning assets | 1.2971% | 537 |
| Net interest margin | 2.9455% | 6,347 |
| Noninterest income to average assets | 0.0590% | 6,825 |
| Noninterest expense to average assets | 2.0055% | 6,420 |
| Loan and lease loss provision to assets | 0.0843% | 4,541 |
| Net operating income to assets | 0.4972% | 4,829 |
| Return on assets (ROA) | 0.4972% | 5,084 |
| Pretax return on assets | 0.7247% | 4,756 |
| Return on Equity (ROE) | 4.9628% | 4,820 |
| Retained earnings to average equity (ytd only) | 2.9441% | 4,677 |
| Net charge-offs to loans | -0.0120% | 6,314 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2575% | 3,558 |
| Assets per employee ($millions) | 4.8624% | 2,341 |
| Cash dividends to net income (ytd only)* | 40.6780% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4860% | 7,032 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 70.7511% | 1,779 |
| Net loans and leases to deposits | 78.6583% | 2,572 |
| Net loans and leases to core deposits | 86.7598% | 2,329 |
| Total domestic deposits to total assets | 89.9474% | 952 |
| Equity capital to assets | 9.8717% | 4,515 |
| Core capital (leverage) ratio | 9.8648% | 3,630 |
| Tier 1 risk-based capital ratio | 20.4953% | 1,575 |
| Total risk-based capital ratio | 21.2126% | 1,680 |
| Memoranda: | ||
| Average total assets | $23,734,330 | 7,046 |
| Average earning assets | $22,203,000 | 7,007 |
| Average equity | $2,377,670 | 7,046 |
| Average total loans | $16,674,670 | 6,705 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2483% | 4,933 |
| Cost of funding earning assets | 1.3253% | 569 |
| Net interest margin | 2.9230% | 6,452 |
| Noninterest income to average assets | 0.0341% | 6,993 |
| Noninterest expense to average assets | 2.0644% | 6,354 |
| Loan and lease loss provision to assets | 0.0853% | 4,315 |
| Net operating income to assets | 0.5459% | 4,616 |
| Return on assets (ROA) | 0.5459% | 4,828 |
| Pretax return on assets | 0.6313% | 5,007 |
| Return on Equity (ROE) | 5.4088% | 4,588 |
| Retained earnings to average equity (ytd only) | 1.3522% | 5,560 |
| Net charge-offs to loans | -0.0244% | 6,250 |
| Credit loss provision to net charge-offs | -500.0000% | 5,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2331% | 3,066 |
| Assets per employee ($millions) | 4.8436% | 2,456 |
| Cash dividends to net income (ytd only)* | 75.0000% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4793% | 7,079 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 67.7265% | 2,163 |
| Net loans and leases to deposits | 75.2454% | 2,935 |
| Net loans and leases to core deposits | 82.9977% | 2,689 |
| Total domestic deposits to total assets | 90.0074% | 1,083 |
| Equity capital to assets | 9.7902% | 4,396 |
| Core capital (leverage) ratio | 10.1433% | 3,183 |
| Tier 1 risk-based capital ratio | 21.8244% | 1,314 |
| Total risk-based capital ratio | 22.5515% | 1,401 |
| Memoranda: | ||
| Average total assets | $23,445,500 | 7,113 |
| Average earning assets | $22,032,500 | 7,076 |
| Average equity | $2,366,500 | 7,098 |
| Average total loans | $16,369,500 | 6,775 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6477% | 4,463 |
| Cost of funding earning assets | 1.5543% | 571 |
| Net interest margin | 3.0935% | 6,360 |
| Noninterest income to average assets | 0.0381% | 6,881 |
| Noninterest expense to average assets | 2.4957% | 5,482 |
| Loan and lease loss provision to assets | 0.1095% | 5,223 |
| Net operating income to assets | 0.2858% | 5,305 |
| Return on assets (ROA) | 0.2858% | 5,459 |
| Pretax return on assets | 0.3715% | 5,375 |
| Return on Equity (ROE) | 2.5656% | 5,453 |
| Retained earnings to average equity (ytd only) | 1.5394% | 5,114 |
| Net charge-offs to loans | 0.0322% | 5,998 |
| Credit loss provision to net charge-offs | 460.0000% | 492 |
| Earnings coverage of net charge-offs (x) | 20.2000% | 1,143 |
| Efficiency ratio | 83.8400% | 1,783 |
| Assets per employee ($millions) | 4.5346% | 2,853 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4490% | 7,135 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 71.3845% | 1,755 |
| Net loans and leases to deposits | 79.9141% | 2,537 |
| Net loans and leases to core deposits | 87.6144% | 2,416 |
| Total domestic deposits to total assets | 89.3265% | 1,346 |
| Equity capital to assets | 10.4177% | 3,628 |
| Core capital (leverage) ratio | 10.6372% | 2,573 |
| Tier 1 risk-based capital ratio | 22.8876% | 1,111 |
| Total risk-based capital ratio | 23.5950% | 1,163 |
| Memoranda: | ||
| Average total assets | $20,996,000 | 7,185 |
| Average earning assets | $19,945,200 | 7,141 |
| Average equity | $2,338,600 | 7,157 |
| Average total loans | $15,540,200 | 6,879 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7465% | 4,249 |
| Cost of funding earning assets | 1.6162% | 544 |
| Net interest margin | 3.1302% | 6,344 |
| Noninterest income to average assets | 0.0324% | 7,009 |
| Noninterest expense to average assets | 2.5011% | 5,459 |
| Loan and lease loss provision to assets | 0.0842% | 5,391 |
| Net operating income to assets | 0.3499% | 5,203 |
| Return on assets (ROA) | 0.3499% | 5,387 |
| Pretax return on assets | 0.4212% | 5,400 |
| Return on Equity (ROE) | 3.0865% | 5,379 |
| Retained earnings to average equity (ytd only) | 1.7147% | 5,286 |
| Net charge-offs to loans | 0.0434% | 5,552 |
| Credit loss provision to net charge-offs | 260.0000% | 1,100 |
| Earnings coverage of net charge-offs (x) | 15.5922% | 1,456 |
| Efficiency ratio | 83.1897% | 1,832 |
| Assets per employee ($millions) | 4.1970% | 3,449 |
| Cash dividends to net income (ytd only)* | 44.4444% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4017% | 7,227 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 74.4294% | 1,249 |
| Net loans and leases to deposits | 84.0952% | 1,986 |
| Net loans and leases to core deposits | 91.5319% | 2,050 |
| Total domestic deposits to total assets | 88.5061% | 1,755 |
| Equity capital to assets | 11.2271% | 2,940 |
| Core capital (leverage) ratio | 11.3008% | 2,164 |
| Tier 1 risk-based capital ratio | 23.9528% | 1,015 |
| Total risk-based capital ratio | 24.5933% | 1,082 |
| Memoranda: | ||
| Average total assets | $20,576,750 | 7,270 |
| Average earning assets | $19,551,000 | 7,221 |
| Average equity | $2,332,750 | 7,226 |
| Average total loans | $15,360,750 | 6,955 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7781% | 4,184 |
| Cost of funding earning assets | 1.6646% | 543 |
| Net interest margin | 3.1134% | 6,380 |
| Noninterest income to average assets | 0.0391% | 7,082 |
| Noninterest expense to average assets | 2.4755% | 5,625 |
| Loan and lease loss provision to assets | 0.0196% | 6,044 |
| Net operating income to assets | 0.4697% | 4,645 |
| Return on assets (ROA) | 0.4697% | 4,782 |
| Pretax return on assets | 0.5088% | 5,036 |
| Return on Equity (ROE) | 4.1290% | 4,869 |
| Retained earnings to average equity (ytd only) | 2.0645% | 4,944 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4104% | 2,046 |
| Assets per employee ($millions) | 4.1220% | 3,508 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3661% | 7,311 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 75.2693% | 1,189 |
| Net loans and leases to deposits | 85.1053% | 1,930 |
| Net loans and leases to core deposits | 92.7478% | 2,048 |
| Total domestic deposits to total assets | 88.4425% | 1,888 |
| Equity capital to assets | 11.3586% | 2,637 |
| Core capital (leverage) ratio | 11.2494% | 2,077 |
| Tier 1 risk-based capital ratio | 24.1092% | 993 |
| Total risk-based capital ratio | 24.6962% | 1,051 |
| Memoranda: | ||
| Average total assets | $20,440,670 | 7,335 |
| Average earning assets | $19,464,000 | 7,297 |
| Average equity | $2,325,000 | 7,283 |
| Average total loans | $15,253,670 | 7,025 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8179% | 3,976 |
| Cost of funding earning assets | 1.7501% | 444 |
| Net interest margin | 3.0678% | 6,423 |
| Noninterest income to average assets | 0.0197% | 7,248 |
| Noninterest expense to average assets | 2.5349% | 5,432 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3734% | 5,055 |
| Return on assets (ROA) | 0.3734% | 5,138 |
| Pretax return on assets | 0.4127% | 5,301 |
| Return on Equity (ROE) | 3.2801% | 5,249 |
| Retained earnings to average equity (ytd only) | -0.8632% | 5,954 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0000% | 1,715 |
| Assets per employee ($millions) | 4.1116% | 3,613 |
| Cash dividends to net income (ytd only)* | 126.3158% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3599% | 7,370 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 74.0782% | 1,331 |
| Net loans and leases to deposits | 83.6850% | 2,080 |
| Net loans and leases to core deposits | 91.1916% | 2,214 |
| Total domestic deposits to total assets | 88.5203% | 2,061 |
| Equity capital to assets | 11.2511% | 2,460 |
| Core capital (leverage) ratio | 11.2156% | 2,020 |
| Tier 1 risk-based capital ratio | 24.0662% | 966 |
| Total risk-based capital ratio | 24.6384% | 1,027 |
| Memoranda: | ||
| Average total assets | $20,356,000 | 7,393 |
| Average earning assets | $19,427,500 | 7,353 |
| Average equity | $2,317,000 | 7,335 |
| Average total loans | $15,095,500 | 7,082 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0327% | 4,400 |
| Cost of funding earning assets | 2.0883% | 447 |
| Net interest margin | 2.9444% | 6,830 |
| Noninterest income to average assets | 0.0439% | 7,140 |
| Noninterest expense to average assets | 2.5439% | 5,635 |
| Loan and lease loss provision to assets | 0.0110% | 6,980 |
| Net operating income to assets | 0.2412% | 5,131 |
| Return on assets (ROA) | 0.2412% | 5,285 |
| Pretax return on assets | 0.2796% | 5,286 |
| Return on Equity (ROE) | 1.9053% | 5,424 |
| Retained earnings to average equity (ytd only) | 0.8660% | 5,116 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7485% | 1,338 |
| Assets per employee ($millions) | 4.0308% | 3,718 |
| Cash dividends to net income (ytd only)* | 54.5455% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3690% | 7,446 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 73.6926% | 1,723 |
| Net loans and leases to deposits | 83.4663% | 2,539 |
| Net loans and leases to core deposits | 91.1054% | 2,605 |
| Total domestic deposits to total assets | 88.2902% | 2,070 |
| Equity capital to assets | 11.5163% | 2,245 |
| Core capital (leverage) ratio | 11.6224% | 1,767 |
| Tier 1 risk-based capital ratio | 24.7020% | 871 |
| Total risk-based capital ratio | 25.2874% | 912 |
| Memoranda: | ||
| Average total assets | $18,239,800 | 7,506 |
| Average earning assets | $17,287,000 | 7,468 |
| Average equity | $2,309,400 | 7,452 |
| Average total loans | $13,158,200 | 7,246 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1077% | 4,279 |
| Cost of funding earning assets | 2.1414% | 464 |
| Net interest margin | 2.9663% | 6,899 |
| Noninterest income to average assets | 0.0450% | 7,297 |
| Noninterest expense to average assets | 2.5448% | 5,542 |
| Loan and lease loss provision to assets | 0.0150% | 6,891 |
| Net operating income to assets | 0.2402% | 5,389 |
| Return on assets (ROA) | 0.2402% | 5,549 |
| Pretax return on assets | 0.2928% | 5,534 |
| Return on Equity (ROE) | 1.8500% | 5,663 |
| Retained earnings to average equity (ytd only) | 0.4626% | 5,613 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2105% | 1,349 |
| Assets per employee ($millions) | 3.9484% | 3,941 |
| Cash dividends to net income (ytd only)* | 74.9941% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3933% | 7,540 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 70.5501% | 2,603 |
| Net loans and leases to deposits | 80.1473% | 3,424 |
| Net loans and leases to core deposits | 86.2949% | 3,607 |
| Total domestic deposits to total assets | 88.0255% | 1,942 |
| Equity capital to assets | 11.7415% | 2,330 |
| Core capital (leverage) ratio | 12.0905% | 1,619 |
| Tier 1 risk-based capital ratio | 25.8331% | 786 |
| Total risk-based capital ratio | 26.4460% | 828 |
| Memoranda: | ||
| Average total assets | $17,761,250 | 7,612 |
| Average earning assets | $16,810,750 | 7,574 |
| Average equity | $2,306,500 | 7,548 |
| Average total loans | $12,721,000 | 7,365 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2103% | 3,898 |
| Cost of funding earning assets | 2.1854% | 485 |
| Net interest margin | 3.0249% | 6,780 |
| Noninterest income to average assets | 0.0468% | 7,348 |
| Noninterest expense to average assets | 2.5496% | 5,522 |
| Loan and lease loss provision to assets | 0.0234% | 6,707 |
| Net operating income to assets | 0.2924% | 5,211 |
| Return on assets (ROA) | 0.2924% | 5,362 |
| Pretax return on assets | 0.3392% | 5,397 |
| Return on Equity (ROE) | 2.1714% | 5,582 |
| Retained earnings to average equity (ytd only) | 0.0869% | 5,706 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5502% | 1,553 |
| Assets per employee ($millions) | 3.6460% | 4,594 |
| Cash dividends to net income (ytd only)* | 96.0000% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4331% | 7,576 |
| Loan loss allowance to noncurrent loans | 2,750.0000% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0110% | 7,385 |
| Noncurrent loans to loans | 0.0158% | 7,293 |
| Net loans and leases to total assets | 69.3527% | 3,047 |
| Net loans and leases to deposits | 79.6359% | 3,661 |
| Net loans and leases to core deposits | 82.5854% | 4,335 |
| Total domestic deposits to total assets | 87.0872% | 2,486 |
| Equity capital to assets | 12.6769% | 1,697 |
| Core capital (leverage) ratio | 13.4228% | 1,086 |
| Tier 1 risk-based capital ratio | 28.3384% | 602 |
| Total risk-based capital ratio | 29.0129% | 631 |
| Memoranda: | ||
| Average total assets | $17,101,000 | 7,692 |
| Average earning assets | $16,198,670 | 7,651 |
| Average equity | $2,302,670 | 7,603 |
| Average total loans | $12,300,330 | 7,440 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3803% | 3,139 |
| Cost of funding earning assets | 2.2694% | 470 |
| Net interest margin | 3.1109% | 6,563 |
| Noninterest income to average assets | 0.0484% | 7,472 |
| Noninterest expense to average assets | 2.6124% | 5,302 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3628% | 5,009 |
| Return on assets (ROA) | 0.3628% | 5,137 |
| Pretax return on assets | 0.3870% | 5,337 |
| Return on Equity (ROE) | 2.6104% | 5,518 |
| Retained earnings to average equity (ytd only) | -1.5662% | 6,137 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0968% | 1,677 |
| Assets per employee ($millions) | 4.1508% | 3,556 |
| Cash dividends to net income (ytd only)* | 160.0000% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4393% | 7,659 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 72.3484% | 2,373 |
| Net loans and leases to deposits | 84.1412% | 2,916 |
| Net loans and leases to core deposits | 85.6471% | 3,953 |
| Total domestic deposits to total assets | 85.9845% | 3,159 |
| Equity capital to assets | 13.7566% | 1,222 |
| Core capital (leverage) ratio | 13.8282% | 999 |
| Tier 1 risk-based capital ratio | 29.9541% | 531 |
| Total risk-based capital ratio | 30.6492% | 541 |
| Memoranda: | ||
| Average total assets | $16,536,500 | 7,802 |
| Average earning assets | $15,687,000 | 7,760 |
| Average equity | $2,298,500 | 7,689 |
| Average total loans | $12,101,500 | 7,540 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6656% | 3,275 |
| Cost of funding earning assets | 2.6466% | 678 |
| Net interest margin | 3.0190% | 6,597 |
| Noninterest income to average assets | 0.0378% | 7,561 |
| Noninterest expense to average assets | 2.4709% | 6,235 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.4034% | 4,116 |
| Return on assets (ROA) | 0.4034% | 4,221 |
| Pretax return on assets | 0.4286% | 4,402 |
| Return on Equity (ROE) | 2.8006% | 4,587 |
| Retained earnings to average equity (ytd only) | 1.8379% | 3,809 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2174% | 2,197 |
| Assets per employee ($millions) | 4.1175% | 3,579 |
| Cash dividends to net income (ytd only)* | 34.3750% | 3,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4366% | 7,723 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 73.3758% | 2,412 |
| Net loans and leases to deposits | 85.6181% | 2,980 |
| Net loans and leases to core deposits | 112.1474% | 2,683 |
| Total domestic deposits to total assets | 85.7013% | 3,164 |
| Equity capital to assets | 14.0437% | 1,158 |
| Core capital (leverage) ratio | 14.1763% | 953 |
| Tier 1 risk-based capital ratio | 30.2195% | 511 |
| Total risk-based capital ratio | 30.9119% | 525 |
| Memoranda: | ||
| Average total assets | $15,864,800 | 7,877 |
| Average earning assets | $15,038,200 | 7,841 |
| Average equity | $2,285,200 | 7,777 |
| Average total loans | $11,766,400 | 7,614 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7229% | 3,224 |
| Cost of funding earning assets | 2.7179% | 752 |
| Net interest margin | 3.0050% | 6,600 |
| Noninterest income to average assets | 0.0339% | 7,714 |
| Noninterest expense to average assets | 2.4607% | 6,213 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.3903% | 4,437 |
| Return on assets (ROA) | 0.3903% | 4,538 |
| Pretax return on assets | 0.4158% | 4,755 |
| Return on Equity (ROE) | 2.6920% | 4,921 |
| Retained earnings to average equity (ytd only) | 1.4046% | 4,534 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5457% | 2,118 |
| Assets per employee ($millions) | 4.0233% | 3,681 |
| Cash dividends to net income (ytd only)* | 47.8233% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4435% | 7,775 |
| Loan loss allowance to noncurrent loans | 79.1045% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 0.4163% | 6,411 |
| Noncurrent loans to loans | 0.5606% | 6,191 |
| Net loans and leases to total assets | 73.9328% | 2,544 |
| Net loans and leases to deposits | 86.5372% | 3,218 |
| Net loans and leases to core deposits | 112.0128% | 3,023 |
| Total domestic deposits to total assets | 85.4347% | 3,004 |
| Equity capital to assets | 14.2546% | 1,220 |
| Core capital (leverage) ratio | 14.4150% | 975 |
| Tier 1 risk-based capital ratio | 30.3399% | 550 |
| Total risk-based capital ratio | 31.0409% | 564 |
| Memoranda: | ||
| Average total assets | $15,713,500 | 7,961 |
| Average earning assets | $14,864,000 | 7,925 |
| Average equity | $2,278,250 | 7,854 |
| Average total loans | $11,673,500 | 7,691 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7752% | 3,161 |
| Cost of funding earning assets | 2.7726% | 852 |
| Net interest margin | 3.0026% | 6,546 |
| Noninterest income to average assets | 0.0385% | 7,797 |
| Noninterest expense to average assets | 2.5277% | 6,027 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.3208% | 4,808 |
| Return on assets (ROA) | 0.3208% | 4,921 |
| Pretax return on assets | 0.3593% | 5,048 |
| Return on Equity (ROE) | 2.1997% | 5,218 |
| Retained earnings to average equity (ytd only) | 0.2640% | 5,109 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5556% | 2,067 |
| Assets per employee ($millions) | 3.9218% | 3,832 |
| Cash dividends to net income (ytd only)* | 88.0000% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4559% | 7,835 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 73.7745% | 2,766 |
| Net loans and leases to deposits | 86.5595% | 3,450 |
| Net loans and leases to core deposits | 110.7040% | 3,305 |
| Total domestic deposits to total assets | 85.2298% | 3,146 |
| Equity capital to assets | 14.4642% | 1,172 |
| Core capital (leverage) ratio | 14.3799% | 1,049 |
| Tier 1 risk-based capital ratio | 30.8876% | 544 |
| Total risk-based capital ratio | 31.6090% | 567 |
| Memoranda: | ||
| Average total assets | $15,587,000 | 8,053 |
| Average earning assets | $14,787,330 | 8,011 |
| Average equity | $2,273,000 | 7,935 |
| Average total loans | $11,581,000 | 7,777 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8386% | 3,100 |
| Cost of funding earning assets | 2.8112% | 956 |
| Net interest margin | 3.0274% | 6,409 |
| Noninterest income to average assets | 0.0257% | 7,952 |
| Noninterest expense to average assets | 2.4973% | 5,849 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3347% | 5,139 |
| Return on assets (ROA) | 0.3347% | 5,323 |
| Pretax return on assets | 0.4119% | 5,360 |
| Return on Equity (ROE) | 2.2857% | 5,672 |
| Retained earnings to average equity (ytd only) | -1.5824% | 6,013 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8407% | 2,088 |
| Assets per employee ($millions) | 3.8958% | 3,884 |
| Cash dividends to net income (ytd only)* | 169.2308% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4573% | 7,885 |
| Loan loss allowance to noncurrent loans | 69.7368% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 0.4877% | 6,013 |
| Noncurrent loans to loans | 0.6557% | 5,768 |
| Net loans and leases to total assets | 74.0358% | 2,744 |
| Net loans and leases to deposits | 89.3026% | 3,049 |
| Net loans and leases to core deposits | 114.1486% | 2,996 |
| Total domestic deposits to total assets | 82.9044% | 4,190 |
| Equity capital to assets | 14.5158% | 1,229 |
| Core capital (leverage) ratio | 14.4787% | 1,090 |
| Tier 1 risk-based capital ratio | 31.1914% | 574 |
| Total risk-based capital ratio | 31.9222% | 579 |
| Memoranda: | ||
| Average total assets | $15,537,000 | 8,099 |
| Average earning assets | $14,798,000 | 8,059 |
| Average equity | $2,275,000 | 7,984 |
| Average total loans | $11,558,500 | 7,826 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0804% | 5,141 |
| Cost of funding earning assets | 3.0828% | 1,563 |
| Net interest margin | 2.9975% | 6,926 |
| Noninterest income to average assets | 0.0440% | 7,919 |
| Noninterest expense to average assets | 2.3188% | 6,645 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.3600% | 5,316 |
| Return on assets (ROA) | 0.1508% | 5,806 |
| Pretax return on assets | 0.2702% | 5,578 |
| Return on Equity (ROE) | 1.0405% | 5,906 |
| Retained earnings to average equity (ytd only) | 0.0867% | 5,183 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5259% | 2,668 |
| Assets per employee ($millions) | 3.8728% | 3,803 |
| Cash dividends to net income (ytd only)* | 91.6667% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4598% | 7,904 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 74.0688% | 3,085 |
| Net loans and leases to deposits | 89.5986% | 3,514 |
| Net loans and leases to core deposits | 114.8664% | 3,251 |
| Total domestic deposits to total assets | 82.6674% | 3,914 |
| Equity capital to assets | 14.7699% | 1,225 |
| Core capital (leverage) ratio | 14.6451% | 1,107 |
| Tier 1 risk-based capital ratio | 31.9687% | 551 |
| Total risk-based capital ratio | 32.7092% | 564 |
| Memoranda: | ||
| Average total assets | $15,913,200 | 8,138 |
| Average earning assets | $15,245,800 | 8,096 |
| Average equity | $2,306,600 | 8,048 |
| Average total loans | $11,465,000 | 7,865 |