Home > Ormsby State Bank > Performance and Condition Ratios
Ormsby State Bank, Performance and Condition Ratios
| 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 | 3.4301% | 4,154 |
| Cost of funding earning assets | 0.7666% | 1,364 |
| Net interest margin | 2.6635% | 4,429 |
| Noninterest income to average assets | 0.1535% | 4,527 |
| Noninterest expense to average assets | 2.6021% | 2,540 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.1382% | 4,636 |
| Return on assets (ROA) | 0.1382% | 4,683 |
| Pretax return on assets | 0.1382% | 4,679 |
| Return on Equity (ROE) | 0.8412% | 4,693 |
| Retained earnings to average equity (ytd only) | -4.2993% | 4,817 |
| Net charge-offs to loans | -0.0092% | 4,245 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9580% | 253 |
| Assets per employee ($millions) | 6.7930% | 1,715 |
| Cash dividends to net income (ytd only)* | 611.1111% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9497% | 646 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 37.5718% | 4,545 |
| Net loans and leases to deposits | 44.6588% | 4,504 |
| Net loans and leases to core deposits | 50.2238% | 4,411 |
| Total domestic deposits to total assets | 84.1307% | 3,078 |
| Equity capital to assets | 15.4718% | 489 |
| Core capital (leverage) ratio | 14.7232% | 555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,055,400 | 4,901 |
| Average earning assets | $25,305,200 | 4,879 |
| Average equity | $4,279,800 | 4,822 |
| Average total loans | $10,895,000 | 4,882 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6543% | 3,905 |
| Cost of funding earning assets | 0.7926% | 1,538 |
| Net interest margin | 2.8617% | 4,244 |
| Noninterest income to average assets | 0.1604% | 4,495 |
| Noninterest expense to average assets | 2.1156% | 3,906 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.8276% | 2,987 |
| Return on assets (ROA) | 0.8276% | 3,117 |
| Pretax return on assets | 0.8276% | 3,575 |
| Return on Equity (ROE) | 4.9626% | 3,905 |
| Retained earnings to average equity (ytd only) | -1.8610% | 4,695 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8805% | 1,659 |
| Assets per employee ($millions) | 6.4770% | 1,853 |
| Cash dividends to net income (ytd only)* | 137.5000% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0291% | 469 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 37.6447% | 4,619 |
| Net loans and leases to deposits | 45.6003% | 4,617 |
| Net loans and leases to core deposits | 50.3797% | 4,570 |
| Total domestic deposits to total assets | 82.5537% | 3,265 |
| Equity capital to assets | 16.7554% | 397 |
| Core capital (leverage) ratio | 16.3482% | 389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $25,776,250 | 4,935 |
| Average earning assets | $25,065,750 | 4,912 |
| Average equity | $4,298,750 | 4,845 |
| Average total loans | $11,015,750 | 4,908 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7796% | 3,916 |
| Cost of funding earning assets | 0.8355% | 1,653 |
| Net interest margin | 2.9441% | 4,233 |
| Noninterest income to average assets | 0.1788% | 4,392 |
| Noninterest expense to average assets | 1.8731% | 4,454 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1814% | 1,693 |
| Return on assets (ROA) | 1.1814% | 1,825 |
| Pretax return on assets | 1.1814% | 2,422 |
| Return on Equity (ROE) | 7.0951% | 3,095 |
| Retained earnings to average equity (ytd only) | -3.1741% | 4,669 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3232% | 3,232 |
| Assets per employee ($millions) | 6.2428% | 1,994 |
| Cash dividends to net income (ytd only)* | 144.7368% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8148% | 637 |
| 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 | 43.7668% | 4,462 |
| Net loans and leases to deposits | 53.3929% | 4,403 |
| Net loans and leases to core deposits | 60.9197% | 4,214 |
| Total domestic deposits to total assets | 81.9711% | 3,381 |
| Equity capital to assets | 17.4322% | 340 |
| Core capital (leverage) ratio | 16.3437% | 400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $25,732,333 | 4,964 |
| Average earning assets | $25,134,667 | 4,941 |
| Average equity | $4,284,667 | 4,875 |
| Average total loans | $11,369,333 | 4,933 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7542% | 4,291 |
| Cost of funding earning assets | 0.8796% | 1,972 |
| Net interest margin | 2.8745% | 4,474 |
| Noninterest income to average assets | 0.1838% | 4,447 |
| Noninterest expense to average assets | 1.9148% | 4,523 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0723% | 1,928 |
| Return on assets (ROA) | 1.0723% | 2,031 |
| Pretax return on assets | 1.0723% | 2,605 |
| Return on Equity (ROE) | 6.5875% | 3,100 |
| Retained earnings to average equity (ytd only) | -14.1160% | 4,878 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1026% | 3,220 |
| Assets per employee ($millions) | 8.4670% | 631 |
| Cash dividends to net income (ytd only)* | 314.2857% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7944% | 715 |
| Loan loss allowance to noncurrent loans | 404.0000% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.1968% | 3,701 |
| Noncurrent loans to loans | 0.4442% | 2,924 |
| Net loans and leases to total assets | 43.5219% | 4,526 |
| Net loans and leases to deposits | 52.7660% | 4,497 |
| Net loans and leases to core deposits | 60.8688% | 4,320 |
| Total domestic deposits to total assets | 82.4810% | 3,267 |
| Equity capital to assets | 16.6923% | 480 |
| Core capital (leverage) ratio | 15.8008% | 546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6534% | 293 |
| Memoranda: | ||
| Average total assets | $26,113,000 | 5,007 |
| Average earning assets | $25,465,000 | 4,982 |
| Average equity | $4,250,500 | 4,916 |
| Average total loans | $11,488,500 | 4,972 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9357% | 4,372 |
| Cost of funding earning assets | 0.9790% | 1,819 |
| Net interest margin | 2.9566% | 4,563 |
| Noninterest income to average assets | 0.2160% | 4,372 |
| Noninterest expense to average assets | 1.8716% | 4,689 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2162% | 1,997 |
| Return on assets (ROA) | 1.2124% | 2,103 |
| Pretax return on assets | 1.2124% | 2,796 |
| Return on Equity (ROE) | 7.8667% | 3,220 |
| Retained earnings to average equity (ytd only) | 3.8842% | 3,026 |
| Net charge-offs to loans | -0.0264% | 4,686 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6135% | 3,603 |
| Assets per employee ($millions) | 6.7063% | 1,175 |
| Cash dividends to net income (ytd only)* | 50.6250% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7235% | 756 |
| 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 | 42.9376% | 4,642 |
| Net loans and leases to deposits | 51.2435% | 4,635 |
| Net loans and leases to core deposits | 59.3987% | 4,467 |
| Total domestic deposits to total assets | 83.7912% | 2,917 |
| Equity capital to assets | 15.8844% | 627 |
| Core capital (leverage) ratio | 15.7197% | 558 |
| Tier 1 risk-based capital ratio | 30.1531% | 469 |
| Total risk-based capital ratio | 31.4026% | 463 |
| Memoranda: | ||
| Average total assets | $26,394,600 | 5,061 |
| Average earning assets | $25,637,200 | 5,036 |
| Average equity | $4,067,800 | 4,986 |
| Average total loans | $11,347,600 | 5,037 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9861% | 4,392 |
| Cost of funding earning assets | 0.9665% | 1,902 |
| Net interest margin | 3.0196% | 4,598 |
| Noninterest income to average assets | 0.2384% | 4,308 |
| Noninterest expense to average assets | 1.8462% | 4,768 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3238% | 1,757 |
| Return on assets (ROA) | 1.3086% | 1,904 |
| Pretax return on assets | 1.3086% | 2,637 |
| Return on Equity (ROE) | 8.5580% | 3,079 |
| Retained earnings to average equity (ytd only) | 3.1845% | 3,814 |
| Net charge-offs to loans | -0.0355% | 4,753 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2400% | 3,903 |
| Assets per employee ($millions) | 6.6283% | 1,210 |
| Cash dividends to net income (ytd only)* | 62.7896% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8012% | 677 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 41.5381% | 4,767 |
| Net loans and leases to deposits | 49.6036% | 4,785 |
| Net loans and leases to core deposits | 60.6209% | 4,513 |
| Total domestic deposits to total assets | 83.7401% | 2,918 |
| Equity capital to assets | 15.7734% | 681 |
| Core capital (leverage) ratio | 15.6791% | 608 |
| Tier 1 risk-based capital ratio | 31.1728% | 448 |
| Total risk-based capital ratio | 32.4236% | 440 |
| Memoranda: | ||
| Average total assets | $26,287,000 | 5,139 |
| Average earning assets | $25,521,750 | 5,113 |
| Average equity | $4,019,500 | 5,062 |
| Average total loans | $11,254,500 | 5,116 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9578% | 4,466 |
| Cost of funding earning assets | 0.8970% | 2,162 |
| Net interest margin | 3.0608% | 4,597 |
| Noninterest income to average assets | 0.2213% | 4,418 |
| Noninterest expense to average assets | 1.8694% | 4,792 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3200% | 1,696 |
| Return on assets (ROA) | 1.2971% | 1,843 |
| Pretax return on assets | 1.2971% | 2,568 |
| Return on Equity (ROE) | 8.5743% | 3,037 |
| Retained earnings to average equity (ytd only) | 0.4035% | 4,591 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6124% | 3,915 |
| Assets per employee ($millions) | 6.4365% | 1,273 |
| Cash dividends to net income (ytd only)* | 95.2941% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7183% | 786 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 44.2088% | 4,717 |
| Net loans and leases to deposits | 54.1330% | 4,678 |
| Net loans and leases to core deposits | 63.2193% | 4,444 |
| Total domestic deposits to total assets | 81.6671% | 3,611 |
| Equity capital to assets | 15.8627% | 634 |
| Core capital (leverage) ratio | 15.4805% | 621 |
| Tier 1 risk-based capital ratio | 28.8459% | 523 |
| Total risk-based capital ratio | 30.0932% | 517 |
| Memoranda: | ||
| Average total assets | $26,211,670 | 5,186 |
| Average earning assets | $25,418,000 | 5,161 |
| Average equity | $3,965,330 | 5,108 |
| Average total loans | $11,267,670 | 5,161 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8041% | 4,705 |
| Cost of funding earning assets | 0.8575% | 2,231 |
| Net interest margin | 2.9466% | 4,827 |
| Noninterest income to average assets | 0.3176% | 3,733 |
| Noninterest expense to average assets | 1.9059% | 4,791 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2706% | 1,811 |
| Return on assets (ROA) | 1.2706% | 1,858 |
| Pretax return on assets | 1.2706% | 2,567 |
| Return on Equity (ROE) | 8.6022% | 2,986 |
| Retained earnings to average equity (ytd only) | -8.0901% | 5,033 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0000% | 3,802 |
| Assets per employee ($millions) | 6.5688% | 1,203 |
| Cash dividends to net income (ytd only)* | 194.0476% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7612% | 761 |
| Loan loss allowance to noncurrent loans | 19,900.0000% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 4,870 |
| Noncurrent loans to loans | 0.0089% | 4,749 |
| Net loans and leases to total assets | 42.2455% | 4,818 |
| Net loans and leases to deposits | 50.0790% | 4,813 |
| Net loans and leases to core deposits | 57.9786% | 4,644 |
| Total domestic deposits to total assets | 84.3578% | 2,919 |
| Equity capital to assets | 14.9724% | 758 |
| Core capital (leverage) ratio | 15.1014% | 675 |
| Tier 1 risk-based capital ratio | 26.9948% | 618 |
| Total risk-based capital ratio | 28.2424% | 607 |
| Memoranda: | ||
| Average total assets | $26,444,500 | 5,239 |
| Average earning assets | $25,656,500 | 5,212 |
| Average equity | $3,906,000 | 5,160 |
| Average total loans | $11,111,000 | 5,224 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6936% | 4,677 |
| Cost of funding earning assets | 0.5640% | 2,964 |
| Net interest margin | 3.1297% | 4,609 |
| Noninterest income to average assets | 0.1936% | 4,748 |
| Noninterest expense to average assets | 2.0486% | 4,658 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1966% | 2,186 |
| Return on assets (ROA) | 1.1966% | 2,183 |
| Pretax return on assets | 1.1966% | 2,894 |
| Return on Equity (ROE) | 8.2334% | 3,342 |
| Retained earnings to average equity (ytd only) | 3.0909% | 3,851 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1265% | 3,319 |
| Assets per employee ($millions) | 6.6535% | 1,141 |
| Cash dividends to net income (ytd only)* | 62.4595% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8218% | 656 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 40.2946% | 4,936 |
| Net loans and leases to deposits | 47.2902% | 4,947 |
| Net loans and leases to core deposits | 54.5556% | 4,832 |
| Total domestic deposits to total assets | 85.2070% | 2,554 |
| Equity capital to assets | 14.5713% | 817 |
| Core capital (leverage) ratio | 15.3081% | 627 |
| Tier 1 risk-based capital ratio | 30.5336% | 450 |
| Total risk-based capital ratio | 31.7878% | 443 |
| Memoranda: | ||
| Average total assets | $25,822,200 | 5,289 |
| Average earning assets | $25,178,400 | 5,263 |
| Average equity | $3,753,000 | 5,208 |
| Average total loans | $10,784,200 | 5,274 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6256% | 4,763 |
| Cost of funding earning assets | 0.5012% | 3,189 |
| Net interest margin | 3.1244% | 4,666 |
| Noninterest income to average assets | 0.2290% | 4,597 |
| Noninterest expense to average assets | 2.2374% | 4,241 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0407% | 2,918 |
| Return on assets (ROA) | 1.0407% | 2,926 |
| Pretax return on assets | 1.0407% | 3,605 |
| Return on Equity (ROE) | 7.1649% | 3,872 |
| Retained earnings to average equity (ytd only) | 0.2507% | 4,996 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2540% | 2,495 |
| Assets per employee ($millions) | 6.3888% | 1,240 |
| Cash dividends to net income (ytd only)* | 96.5012% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8227% | 695 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 41.9448% | 4,966 |
| Net loans and leases to deposits | 49.2828% | 4,973 |
| Net loans and leases to core deposits | 55.1049% | 4,869 |
| Total domestic deposits to total assets | 85.1105% | 2,568 |
| Equity capital to assets | 14.4942% | 827 |
| Core capital (leverage) ratio | 15.3858% | 614 |
| Tier 1 risk-based capital ratio | 32.2895% | 390 |
| Total risk-based capital ratio | 33.5537% | 382 |
| Memoranda: | ||
| Average total assets | $25,624,250 | 5,361 |
| Average earning assets | $25,006,500 | 5,334 |
| Average equity | $3,721,750 | 5,276 |
| Average total loans | $10,749,500 | 5,338 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6060% | 4,756 |
| Cost of funding earning assets | 0.4867% | 3,116 |
| Net interest margin | 3.1194% | 4,691 |
| Noninterest income to average assets | 0.1482% | 5,082 |
| Noninterest expense to average assets | 2.1913% | 4,390 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0060% | 2,987 |
| Return on assets (ROA) | 1.0060% | 2,989 |
| Pretax return on assets | 1.0060% | 3,642 |
| Return on Equity (ROE) | 6.9212% | 3,926 |
| Retained earnings to average equity (ytd only) | -3.4338% | 5,235 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5366% | 2,553 |
| Assets per employee ($millions) | 5.0016% | 2,418 |
| Cash dividends to net income (ytd only)* | 149.6124% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8829% | 652 |
| Loan loss allowance to noncurrent loans | 255.1282% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.3119% | 3,520 |
| Noncurrent loans to loans | 0.7380% | 2,265 |
| Net loans and leases to total assets | 41.4667% | 5,004 |
| Net loans and leases to deposits | 48.8736% | 5,004 |
| Net loans and leases to core deposits | 54.8068% | 4,906 |
| Total domestic deposits to total assets | 84.8448% | 2,729 |
| Equity capital to assets | 14.6913% | 762 |
| Core capital (leverage) ratio | 14.7827% | 721 |
| Tier 1 risk-based capital ratio | 29.4633% | 494 |
| Total risk-based capital ratio | 30.7149% | 489 |
| Memoranda: | ||
| Average total assets | $25,647,330 | 5,423 |
| Average earning assets | $25,069,000 | 5,392 |
| Average equity | $3,727,670 | 5,337 |
| Average total loans | $10,693,330 | 5,396 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3343% | 5,089 |
| Cost of funding earning assets | 0.4404% | 3,280 |
| Net interest margin | 2.8939% | 5,041 |
| Noninterest income to average assets | 0.1694% | 5,009 |
| Noninterest expense to average assets | 2.0642% | 4,733 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9397% | 3,110 |
| Return on assets (ROA) | 0.9397% | 3,125 |
| Pretax return on assets | 0.9397% | 3,731 |
| Return on Equity (ROE) | 6.4989% | 3,984 |
| Retained earnings to average equity (ytd only) | -14.0631% | 5,441 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7179% | 2,714 |
| Assets per employee ($millions) | 4.3558% | 3,390 |
| Cash dividends to net income (ytd only)* | 316.3934% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8482% | 712 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 40.4362% | 5,052 |
| Net loans and leases to deposits | 47.2735% | 5,064 |
| Net loans and leases to core deposits | 49.4965% | 5,056 |
| Total domestic deposits to total assets | 85.5366% | 2,737 |
| Equity capital to assets | 13.8818% | 924 |
| Core capital (leverage) ratio | 14.6227% | 737 |
| Tier 1 risk-based capital ratio | 36.7528% | 286 |
| Total risk-based capital ratio | 38.0107% | 276 |
| Memoranda: | ||
| Average total assets | $25,967,000 | 5,481 |
| Average earning assets | $25,432,500 | 5,444 |
| Average equity | $3,754,500 | 5,391 |
| Average total loans | $10,755,500 | 5,459 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4126% | 4,924 |
| Cost of funding earning assets | 0.4366% | 2,903 |
| Net interest margin | 2.9760% | 4,932 |
| Noninterest income to average assets | 0.2105% | 4,887 |
| Noninterest expense to average assets | 1.9412% | 5,063 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1655% | 1,631 |
| Return on assets (ROA) | 1.1655% | 1,660 |
| Pretax return on assets | 1.1655% | 2,919 |
| Return on Equity (ROE) | 7.8096% | 2,883 |
| Retained earnings to average equity (ytd only) | 1.2537% | 4,523 |
| Net charge-offs to loans | 0.0283% | 3,248 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 99.6667% | 646 |
| Efficiency ratio | 62.4843% | 3,861 |
| Assets per employee ($millions) | 4.2998% | 3,483 |
| Cash dividends to net income (ytd only)* | 83.9465% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8522% | 705 |
| 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 | 40.8737% | 5,098 |
| Net loans and leases to deposits | 48.2300% | 5,118 |
| Net loans and leases to core deposits | 51.4265% | 5,087 |
| Total domestic deposits to total assets | 84.7475% | 2,928 |
| Equity capital to assets | 15.0432% | 666 |
| Core capital (leverage) ratio | 15.1206% | 598 |
| Tier 1 risk-based capital ratio | 35.8853% | 297 |
| Total risk-based capital ratio | 37.1429% | 296 |
| Memoranda: | ||
| Average total assets | $25,653,600 | 5,540 |
| Average earning assets | $24,966,400 | 5,510 |
| Average equity | $3,828,600 | 5,444 |
| Average total loans | $10,584,800 | 5,526 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4112% | 4,951 |
| Cost of funding earning assets | 0.4398% | 2,813 |
| Net interest margin | 2.9714% | 4,983 |
| Noninterest income to average assets | 0.2134% | 4,941 |
| Noninterest expense to average assets | 1.9362% | 5,076 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1607% | 1,841 |
| Return on assets (ROA) | 1.1607% | 1,885 |
| Pretax return on assets | 1.1607% | 3,063 |
| Return on Equity (ROE) | 7.7927% | 3,241 |
| Retained earnings to average equity (ytd only) | -0.9784% | 5,348 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5210% | 3,810 |
| Assets per employee ($millions) | 4.3530% | 3,387 |
| Cash dividends to net income (ytd only)* | 112.5551% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9347% | 657 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 39.2028% | 5,223 |
| Net loans and leases to deposits | 46.3408% | 5,245 |
| Net loans and leases to core deposits | 49.3779% | 5,219 |
| Total domestic deposits to total assets | 84.5968% | 2,886 |
| Equity capital to assets | 14.9437% | 743 |
| Core capital (leverage) ratio | 14.9286% | 677 |
| Tier 1 risk-based capital ratio | 27.7094% | 582 |
| Total risk-based capital ratio | 28.9626% | 573 |
| Memoranda: | ||
| Average total assets | $25,617,250 | 5,601 |
| Average earning assets | $24,858,750 | 5,576 |
| Average equity | $3,815,500 | 5,506 |
| Average total loans | $10,545,000 | 5,587 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3274% | 5,067 |
| Cost of funding earning assets | 0.4291% | 2,812 |
| Net interest margin | 2.8983% | 5,100 |
| Noninterest income to average assets | 0.2200% | 4,934 |
| Noninterest expense to average assets | 1.9253% | 5,140 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1080% | 1,935 |
| Return on assets (ROA) | 1.1080% | 1,986 |
| Pretax return on assets | 1.1080% | 3,144 |
| Return on Equity (ROE) | 7.4478% | 3,313 |
| Retained earnings to average equity (ytd only) | -5.8104% | 5,563 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4715% | 3,766 |
| Assets per employee ($millions) | 4.2340% | 3,550 |
| Cash dividends to net income (ytd only)* | 178.0142% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9203% | 696 |
| Loan loss allowance to noncurrent loans | 202.0000% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.3936% | 3,540 |
| Noncurrent loans to loans | 0.9507% | 2,055 |
| Net loans and leases to total assets | 40.6117% | 5,204 |
| Net loans and leases to deposits | 49.7733% | 5,148 |
| Net loans and leases to core deposits | 52.5814% | 5,129 |
| Total domestic deposits to total assets | 81.5934% | 4,019 |
| Equity capital to assets | 15.0842% | 692 |
| Core capital (leverage) ratio | 14.8956% | 659 |
| Tier 1 risk-based capital ratio | 26.4351% | 645 |
| Total risk-based capital ratio | 27.6848% | 627 |
| Memoranda: | ||
| Average total assets | $25,450,330 | 5,650 |
| Average earning assets | $24,704,000 | 5,623 |
| Average equity | $3,786,330 | 5,554 |
| Average total loans | $10,579,670 | 5,632 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2091% | 5,237 |
| Cost of funding earning assets | 0.4214% | 2,804 |
| Net interest margin | 2.7877% | 5,269 |
| Noninterest income to average assets | 0.2669% | 4,634 |
| Noninterest expense to average assets | 1.7430% | 5,436 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2248% | 1,444 |
| Return on assets (ROA) | 1.2248% | 1,480 |
| Pretax return on assets | 1.2248% | 2,495 |
| Return on Equity (ROE) | 8.2902% | 2,770 |
| Retained earnings to average equity (ytd only) | -18.3871% | 5,709 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7302% | 4,627 |
| Assets per employee ($millions) | 4.2570% | 3,573 |
| Cash dividends to net income (ytd only)* | 321.7949% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0429% | 617 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 37.9219% | 5,328 |
| Net loans and leases to deposits | 44.7990% | 5,343 |
| Net loans and leases to core deposits | 47.7943% | 5,311 |
| Total domestic deposits to total assets | 84.6488% | 3,242 |
| Equity capital to assets | 14.5329% | 745 |
| Core capital (leverage) ratio | 14.8290% | 639 |
| Tier 1 risk-based capital ratio | 28.0066% | 562 |
| Total risk-based capital ratio | 29.2591% | 547 |
| Memoranda: | ||
| Average total assets | $25,473,500 | 5,722 |
| Average earning assets | $24,680,000 | 5,688 |
| Average equity | $3,763,500 | 5,613 |
| Average total loans | $10,610,000 | 5,694 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6078% | 4,489 |
| Cost of funding earning assets | 0.4510% | 2,531 |
| Net interest margin | 3.1569% | 4,571 |
| Noninterest income to average assets | 0.1843% | 5,294 |
| Noninterest expense to average assets | 1.7907% | 5,482 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.3693% | 1,068 |
| Return on assets (ROA) | 1.3693% | 1,111 |
| Pretax return on assets | 1.3693% | 2,042 |
| Return on Equity (ROE) | 8.7711% | 2,527 |
| Retained earnings to average equity (ytd only) | 3.4940% | 3,442 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6667% | 4,995 |
| Assets per employee ($millions) | 4.3382% | 3,382 |
| Cash dividends to net income (ytd only)* | 60.1648% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7826% | 976 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 42.7600% | 5,193 |
| Net loans and leases to deposits | 51.6521% | 5,138 |
| Net loans and leases to core deposits | 55.1154% | 5,093 |
| Total domestic deposits to total assets | 82.7846% | 3,829 |
| Equity capital to assets | 17.0579% | 381 |
| Core capital (leverage) ratio | 15.8207% | 485 |
| Tier 1 risk-based capital ratio | 30.4876% | 463 |
| Total risk-based capital ratio | 33.2096% | 404 |
| Memoranda: | ||
| Average total assets | $26,582,000 | 5,761 |
| Average earning assets | $25,056,600 | 5,731 |
| Average equity | $4,150,000 | 5,621 |
| Average total loans | $11,977,400 | 5,731 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5834% | 4,597 |
| Cost of funding earning assets | 0.4512% | 2,552 |
| Net interest margin | 3.1322% | 4,693 |
| Noninterest income to average assets | 0.1796% | 5,381 |
| Noninterest expense to average assets | 1.8013% | 5,518 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3572% | 1,153 |
| Return on assets (ROA) | 1.3572% | 1,229 |
| Pretax return on assets | 1.3572% | 2,204 |
| Return on Equity (ROE) | 8.8942% | 2,556 |
| Retained earnings to average equity (ytd only) | 1.7329% | 4,813 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0300% | 4,951 |
| Assets per employee ($millions) | 4.4922% | 3,099 |
| Cash dividends to net income (ytd only)* | 80.5134% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7585% | 1,089 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 41.8692% | 5,299 |
| Net loans and leases to deposits | 50.1600% | 5,293 |
| Net loans and leases to core deposits | 53.7432% | 5,231 |
| Total domestic deposits to total assets | 83.4712% | 3,406 |
| Equity capital to assets | 16.1318% | 532 |
| Core capital (leverage) ratio | 9.4440% | 4,263 |
| Tier 1 risk-based capital ratio | 16.1434% | 2,568 |
| Total risk-based capital ratio | 17.3916% | 2,519 |
| Memoranda: | ||
| Average total assets | $26,720,250 | 5,823 |
| Average earning assets | $25,413,000 | 5,790 |
| Average equity | $4,077,500 | 5,688 |
| Average total loans | $12,138,750 | 5,787 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6532% | 4,438 |
| Cost of funding earning assets | 0.4334% | 2,707 |
| Net interest margin | 3.2198% | 4,485 |
| Noninterest income to average assets | 0.1576% | 5,529 |
| Noninterest expense to average assets | 1.7190% | 5,674 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5614% | 786 |
| Return on assets (ROA) | 1.5614% | 829 |
| Pretax return on assets | 1.5614% | 1,487 |
| Return on Equity (ROE) | 10.4330% | 1,873 |
| Retained earnings to average equity (ytd only) | -0.5517% | 5,375 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4027% | 5,423 |
| Assets per employee ($millions) | 4.4188% | 3,184 |
| Cash dividends to net income (ytd only)* | 105.2885% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6173% | 1,481 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 46.3471% | 5,109 |
| Net loans and leases to deposits | 55.2717% | 5,064 |
| Net loans and leases to core deposits | 59.2707% | 5,009 |
| Total domestic deposits to total assets | 83.8532% | 3,331 |
| Equity capital to assets | 15.3396% | 658 |
| Core capital (leverage) ratio | 14.5424% | 705 |
| Tier 1 risk-based capital ratio | 26.6223% | 679 |
| Total risk-based capital ratio | 27.8789% | 664 |
| Memoranda: | ||
| Average total assets | $26,642,670 | 5,894 |
| Average earning assets | $25,840,330 | 5,860 |
| Average equity | $3,987,330 | 5,772 |
| Average total loans | $12,356,000 | 5,859 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4561% | 4,993 |
| Cost of funding earning assets | 0.4320% | 2,754 |
| Net interest margin | 3.0241% | 5,059 |
| Noninterest income to average assets | 0.1647% | 5,507 |
| Noninterest expense to average assets | 1.6774% | 5,770 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4228% | 1,001 |
| Return on assets (ROA) | 1.4228% | 1,048 |
| Pretax return on assets | 1.4228% | 1,829 |
| Return on Equity (ROE) | 9.6263% | 2,146 |
| Retained earnings to average equity (ytd only) | -12.5649% | 5,870 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1063% | 5,374 |
| Assets per employee ($millions) | 4.4368% | 3,191 |
| Cash dividends to net income (ytd only)* | 230.5263% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6431% | 1,496 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 45.4228% | 5,158 |
| Net loans and leases to deposits | 53.6469% | 5,124 |
| Net loans and leases to core deposits | 58.4493% | 5,017 |
| Total domestic deposits to total assets | 84.6700% | 3,249 |
| Equity capital to assets | 14.6651% | 784 |
| Core capital (leverage) ratio | 14.3303% | 730 |
| Tier 1 risk-based capital ratio | 73.5444% | 63 |
| Total risk-based capital ratio | 74.8339% | 62 |
| Memoranda: | ||
| Average total assets | $26,707,500 | 5,955 |
| Average earning assets | $25,925,000 | 5,918 |
| Average equity | $3,947,500 | 5,822 |
| Average total loans | $12,289,000 | 5,914 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4605% | 5,026 |
| Cost of funding earning assets | 0.4321% | 2,829 |
| Net interest margin | 3.0285% | 5,067 |
| Noninterest income to average assets | 0.1602% | 5,621 |
| Noninterest expense to average assets | 1.7811% | 5,761 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.3196% | 1,225 |
| Return on assets (ROA) | 1.3235% | 1,258 |
| Pretax return on assets | 1.3235% | 2,185 |
| Return on Equity (ROE) | 8.9089% | 2,497 |
| Retained earnings to average equity (ytd only) | 2.8755% | 4,017 |
| Net charge-offs to loans | 0.0626% | 2,975 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 49.4286% | 1,011 |
| Efficiency ratio | 57.4416% | 5,201 |
| Assets per employee ($millions) | 4.4657% | 3,100 |
| Cash dividends to net income (ytd only)* | 67.7233% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6444% | 1,488 |
| 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 | 45.0922% | 5,220 |
| Net loans and leases to deposits | 53.0680% | 5,214 |
| Net loans and leases to core deposits | 57.7644% | 5,116 |
| Total domestic deposits to total assets | 84.9705% | 3,106 |
| Equity capital to assets | 14.8951% | 686 |
| Core capital (leverage) ratio | 14.9011% | 633 |
| Tier 1 risk-based capital ratio | 76.0861% | 57 |
| Total risk-based capital ratio | 77.3777% | 57 |
| Memoranda: | ||
| Average total assets | $26,219,200 | 6,015 |
| Average earning assets | $25,458,400 | 5,979 |
| Average equity | $3,895,000 | 5,870 |
| Average total loans | $11,183,800 | 5,991 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4280% | 5,146 |
| Cost of funding earning assets | 0.4417% | 2,777 |
| Net interest margin | 2.9863% | 5,231 |
| Noninterest income to average assets | 0.1636% | 5,663 |
| Noninterest expense to average assets | 1.7436% | 5,858 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3243% | 1,278 |
| Return on assets (ROA) | 1.3294% | 1,319 |
| Pretax return on assets | 1.3294% | 2,287 |
| Return on Equity (ROE) | 8.9553% | 2,599 |
| Retained earnings to average equity (ytd only) | 0.8956% | 5,351 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8333% | 5,244 |
| Assets per employee ($millions) | 4.3602% | 3,229 |
| Cash dividends to net income (ytd only)* | 89.9988% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8354% | 1,194 |
| Loan loss allowance to noncurrent loans | 2,985.7143% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.0268% | 5,686 |
| Noncurrent loans to loans | 0.0615% | 5,371 |
| Net loans and leases to total assets | 42.7277% | 5,445 |
| Net loans and leases to deposits | 50.5357% | 5,447 |
| Net loans and leases to core deposits | 55.1510% | 5,347 |
| Total domestic deposits to total assets | 84.5495% | 3,199 |
| Equity capital to assets | 15.0873% | 720 |
| Core capital (leverage) ratio | 14.6597% | 703 |
| Tier 1 risk-based capital ratio | 76.8391% | 61 |
| Total risk-based capital ratio | 78.1326% | 61 |
| Memoranda: | ||
| Average total assets | $26,075,500 | 6,100 |
| Average earning assets | $25,359,250 | 6,061 |
| Average equity | $3,871,000 | 5,953 |
| Average total loans | $10,908,750 | 6,073 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4276% | 5,168 |
| Cost of funding earning assets | 0.4423% | 2,812 |
| Net interest margin | 2.9853% | 5,256 |
| Noninterest income to average assets | 0.1689% | 5,691 |
| Noninterest expense to average assets | 1.7353% | 5,938 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3360% | 1,226 |
| Return on assets (ROA) | 1.3437% | 1,252 |
| Pretax return on assets | 1.3437% | 2,197 |
| Return on Equity (ROE) | 9.1011% | 2,484 |
| Retained earnings to average equity (ytd only) | -3.0684% | 5,926 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5000% | 5,380 |
| Assets per employee ($millions) | 4.2882% | 3,326 |
| Cash dividends to net income (ytd only)* | 133.7143% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8957% | 1,170 |
| Loan loss allowance to noncurrent loans | 2,985.7143% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0272% | 5,776 |
| Noncurrent loans to loans | 0.0635% | 5,479 |
| Net loans and leases to total assets | 42.0382% | 5,503 |
| Net loans and leases to deposits | 49.6147% | 5,524 |
| Net loans and leases to core deposits | 54.2155% | 5,407 |
| Total domestic deposits to total assets | 84.7293% | 3,243 |
| Equity capital to assets | 14.8082% | 740 |
| Core capital (leverage) ratio | 14.3841% | 741 |
| Tier 1 risk-based capital ratio | 74.0534% | 67 |
| Total risk-based capital ratio | 75.3487% | 65 |
| Memoranda: | ||
| Average total assets | $26,047,000 | 6,169 |
| Average earning assets | $25,324,000 | 6,124 |
| Average equity | $3,845,670 | 6,016 |
| Average total loans | $10,749,330 | 6,148 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3226% | 5,394 |
| Cost of funding earning assets | 0.4388% | 2,888 |
| Net interest margin | 2.8838% | 5,487 |
| Noninterest income to average assets | 0.1679% | 5,717 |
| Noninterest expense to average assets | 1.6332% | 6,079 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3432% | 1,155 |
| Return on assets (ROA) | 1.3432% | 1,221 |
| Pretax return on assets | 1.3432% | 2,108 |
| Return on Equity (ROE) | 9.1109% | 2,394 |
| Retained earnings to average equity (ytd only) | -15.1158% | 6,222 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8718% | 5,605 |
| Assets per employee ($millions) | 5.2446% | 2,061 |
| Cash dividends to net income (ytd only)* | 265.9091% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0537% | 987 |
| 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 | 38.0124% | 5,721 |
| Net loans and leases to deposits | 44.8101% | 5,719 |
| Net loans and leases to core deposits | 48.8747% | 5,639 |
| Total domestic deposits to total assets | 84.8301% | 3,487 |
| Equity capital to assets | 14.5140% | 827 |
| Core capital (leverage) ratio | 14.1930% | 768 |
| Tier 1 risk-based capital ratio | 73.4075% | 75 |
| Total risk-based capital ratio | 74.7017% | 75 |
| Memoranda: | ||
| Average total assets | $26,206,000 | 6,235 |
| Average earning assets | $25,522,000 | 6,185 |
| Average equity | $3,863,500 | 6,071 |
| Average total loans | $10,611,500 | 6,217 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4042% | 5,521 |
| Cost of funding earning assets | 0.4592% | 3,085 |
| Net interest margin | 2.9450% | 5,558 |
| Noninterest income to average assets | 0.1919% | 5,707 |
| Noninterest expense to average assets | 1.6904% | 6,163 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.3656% | 1,149 |
| Return on assets (ROA) | 1.4099% | 1,094 |
| Pretax return on assets | 1.4099% | 1,854 |
| Return on Equity (ROE) | 10.1943% | 2,028 |
| Retained earnings to average equity (ytd only) | 4.5901% | 2,911 |
| Net charge-offs to loans | 0.0779% | 3,377 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 46.2500% | 983 |
| Efficiency ratio | 55.3140% | 5,735 |
| Assets per employee ($millions) | 5.2378% | 2,031 |
| Cash dividends to net income (ytd only)* | 54.9738% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8921% | 1,336 |
| 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 | 41.3800% | 5,665 |
| Net loans and leases to deposits | 52.8170% | 5,421 |
| Net loans and leases to core deposits | 57.7481% | 5,274 |
| Total domestic deposits to total assets | 78.3459% | 5,369 |
| Equity capital to assets | 14.9719% | 710 |
| Core capital (leverage) ratio | 14.2992% | 750 |
| Tier 1 risk-based capital ratio | 23.2613% | 1,041 |
| Total risk-based capital ratio | 24.5118% | 1,019 |
| Memoranda: | ||
| Average total assets | $27,093,600 | 6,310 |
| Average earning assets | $26,349,800 | 6,256 |
| Average equity | $3,747,200 | 6,136 |
| Average total loans | $10,276,000 | 6,309 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3800% | 5,625 |
| Cost of funding earning assets | 0.4613% | 3,140 |
| Net interest margin | 2.9186% | 5,663 |
| Noninterest income to average assets | 0.1757% | 5,866 |
| Noninterest expense to average assets | 1.6105% | 6,276 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.4055% | 1,121 |
| Return on assets (ROA) | 1.4104% | 1,150 |
| Pretax return on assets | 1.4104% | 1,965 |
| Return on Equity (ROE) | 10.4035% | 2,034 |
| Retained earnings to average equity (ytd only) | 2.8439% | 4,573 |
| Net charge-offs to loans | 0.1058% | 2,742 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 35.9878% | 1,206 |
| Efficiency ratio | 53.3981% | 5,885 |
| Assets per employee ($millions) | 4.5093% | 2,954 |
| Cash dividends to net income (ytd only)* | 72.6643% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0444% | 1,177 |
| Loan loss allowance to noncurrent loans | 54.2857% | 4,982 |
| Noncurrent assets plus other real estate owned to assets | 1.4230% | 2,168 |
| Noncurrent loans to loans | 3.7660% | 600 |
| Net loans and leases to total assets | 37.0121% | 5,992 |
| Net loans and leases to deposits | 44.4218% | 5,951 |
| Net loans and leases to core deposits | 48.1651% | 5,878 |
| Total domestic deposits to total assets | 83.3198% | 4,020 |
| Equity capital to assets | 14.1041% | 972 |
| Core capital (leverage) ratio | 13.6135% | 961 |
| Tier 1 risk-based capital ratio | 22.7528% | 1,154 |
| Total risk-based capital ratio | 24.0007% | 1,129 |
| Memoranda: | ||
| Average total assets | $27,319,750 | 6,382 |
| Average earning assets | $26,587,250 | 6,328 |
| Average equity | $3,703,750 | 6,214 |
| Average total loans | $10,083,500 | 6,384 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3811% | 5,662 |
| Cost of funding earning assets | 0.4648% | 3,166 |
| Net interest margin | 2.9163% | 5,710 |
| Noninterest income to average assets | 0.1751% | 5,900 |
| Noninterest expense to average assets | 1.5689% | 6,382 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.4449% | 972 |
| Return on assets (ROA) | 1.4449% | 1,014 |
| Pretax return on assets | 1.4449% | 1,734 |
| Return on Equity (ROE) | 10.8010% | 1,805 |
| Retained earnings to average equity (ytd only) | -0.6546% | 5,805 |
| Net charge-offs to loans | 0.1594% | 2,118 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 24.7500% | 1,419 |
| Efficiency ratio | 52.0581% | 6,059 |
| Assets per employee ($millions) | 4.5018% | 2,918 |
| Cash dividends to net income (ytd only)* | 106.0606% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1730% | 1,066 |
| 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 | 34.8340% | 6,116 |
| Net loans and leases to deposits | 40.6665% | 6,124 |
| Net loans and leases to core deposits | 43.9981% | 6,066 |
| Total domestic deposits to total assets | 85.6577% | 3,212 |
| Equity capital to assets | 13.8869% | 1,017 |
| Core capital (leverage) ratio | 13.4115% | 1,010 |
| Tier 1 risk-based capital ratio | 22.9579% | 1,116 |
| Total risk-based capital ratio | 24.2107% | 1,101 |
| Memoranda: | ||
| Average total assets | $27,407,670 | 6,438 |
| Average earning assets | $26,678,000 | 6,386 |
| Average equity | $3,666,330 | 6,266 |
| Average total loans | $10,037,000 | 6,446 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2919% | 5,859 |
| Cost of funding earning assets | 0.4618% | 3,295 |
| Net interest margin | 2.8302% | 5,877 |
| Noninterest income to average assets | 0.1739% | 5,928 |
| Noninterest expense to average assets | 1.4345% | 6,538 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4924% | 834 |
| Return on assets (ROA) | 1.4924% | 860 |
| Pretax return on assets | 1.4924% | 1,451 |
| Return on Equity (ROE) | 11.3687% | 1,580 |
| Retained earnings to average equity (ytd only) | -11.8102% | 6,414 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0099% | 6,314 |
| Assets per employee ($millions) | 5.4066% | 1,798 |
| Cash dividends to net income (ytd only)* | 203.8835% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2647% | 1,083 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0296% | 6,204 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 34.6428% | 6,146 |
| Net loans and leases to deposits | 40.2259% | 6,162 |
| Net loans and leases to core deposits | 43.4974% | 6,096 |
| Total domestic deposits to total assets | 86.1207% | 3,301 |
| Equity capital to assets | 13.2875% | 1,175 |
| Core capital (leverage) ratio | 12.9031% | 1,204 |
| Tier 1 risk-based capital ratio | 22.4210% | 1,223 |
| Total risk-based capital ratio | 23.6712% | 1,199 |
| Memoranda: | ||
| Average total assets | $27,606,000 | 6,504 |
| Average earning assets | $26,853,500 | 6,444 |
| Average equity | $3,624,000 | 6,324 |
| Average total loans | $10,246,500 | 6,512 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3373% | 5,935 |
| Cost of funding earning assets | 0.5612% | 3,006 |
| Net interest margin | 2.7761% | 6,020 |
| Noninterest income to average assets | 0.2118% | 5,818 |
| Noninterest expense to average assets | 1.7309% | 6,412 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1722% | 1,679 |
| Return on assets (ROA) | 1.2270% | 1,526 |
| Pretax return on assets | 1.2270% | 2,471 |
| Return on Equity (ROE) | 9.2967% | 2,416 |
| Retained earnings to average equity (ytd only) | 2.2688% | 4,633 |
| Net charge-offs to loans | 0.1083% | 3,746 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 29.1818% | 1,212 |
| Efficiency ratio | 59.6226% | 5,519 |
| Assets per employee ($millions) | 4.6965% | 2,594 |
| Cash dividends to net income (ytd only)* | 75.5952% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9888% | 1,582 |
| Loan loss allowance to noncurrent loans | 2,712.5000% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.0284% | 6,300 |
| Noncurrent loans to loans | 0.0733% | 5,997 |
| Net loans and leases to total assets | 37.9502% | 6,096 |
| Net loans and leases to deposits | 47.0770% | 5,946 |
| Net loans and leases to core deposits | 50.6225% | 5,898 |
| Total domestic deposits to total assets | 80.6132% | 5,290 |
| Equity capital to assets | 12.9742% | 1,283 |
| Core capital (leverage) ratio | 12.5759% | 1,321 |
| Tier 1 risk-based capital ratio | 21.2387% | 1,378 |
| Total risk-based capital ratio | 22.4881% | 1,360 |
| Memoranda: | ||
| Average total assets | $27,384,200 | 6,576 |
| Average earning assets | $26,548,400 | 6,517 |
| Average equity | $3,614,200 | 6,413 |
| Average total loans | $10,152,800 | 6,584 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3035% | 6,057 |
| Cost of funding earning assets | 0.5776% | 3,020 |
| Net interest margin | 2.7259% | 6,129 |
| Noninterest income to average assets | 0.2060% | 5,944 |
| Noninterest expense to average assets | 1.7411% | 6,424 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1035% | 1,994 |
| Return on assets (ROA) | 1.1722% | 1,803 |
| Pretax return on assets | 1.1722% | 2,806 |
| Return on Equity (ROE) | 8.8425% | 2,715 |
| Retained earnings to average equity (ytd only) | -0.5550% | 6,055 |
| Net charge-offs to loans | 0.1472% | 3,070 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 20.4492% | 1,590 |
| Efficiency ratio | 61.2069% | 5,241 |
| Assets per employee ($millions) | 4.7160% | 2,551 |
| Cash dividends to net income (ytd only)* | 106.2763% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1086% | 1,483 |
| Loan loss allowance to noncurrent loans | 2,170.0000% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0353% | 6,369 |
| Noncurrent loans to loans | 0.0972% | 6,046 |
| Net loans and leases to total assets | 35.6022% | 6,297 |
| Net loans and leases to deposits | 40.9996% | 6,351 |
| Net loans and leases to core deposits | 42.9156% | 6,356 |
| Total domestic deposits to total assets | 86.8356% | 2,788 |
| Equity capital to assets | 12.7969% | 1,424 |
| Core capital (leverage) ratio | 12.9767% | 1,219 |
| Tier 1 risk-based capital ratio | 21.1733% | 1,464 |
| Total risk-based capital ratio | 22.4227% | 1,432 |
| Memoranda: | ||
| Average total assets | $27,185,500 | 6,655 |
| Average earning assets | $26,315,000 | 6,598 |
| Average equity | $3,603,750 | 6,495 |
| Average total loans | $9,963,250 | 6,664 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3360% | 6,029 |
| Cost of funding earning assets | 0.5996% | 2,945 |
| Net interest margin | 2.7365% | 6,122 |
| Noninterest income to average assets | 0.2014% | 6,002 |
| Noninterest expense to average assets | 1.8049% | 6,368 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0516% | 2,107 |
| Return on assets (ROA) | 1.0516% | 2,229 |
| Pretax return on assets | 1.0516% | 3,287 |
| Return on Equity (ROE) | 7.8377% | 3,173 |
| Retained earnings to average equity (ytd only) | -6.2813% | 6,532 |
| Net charge-offs to loans | 0.0812% | 3,559 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 35.2500% | 1,025 |
| Efficiency ratio | 63.1854% | 4,988 |
| Assets per employee ($millions) | 4.3360% | 3,115 |
| Cash dividends to net income (ytd only)* | 180.1418% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4765% | 1,007 |
| Loan loss allowance to noncurrent loans | 198.2301% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.4613% | 5,118 |
| Noncurrent loans to loans | 1.2493% | 3,456 |
| Net loans and leases to total assets | 33.9061% | 6,416 |
| Net loans and leases to deposits | 39.3426% | 6,436 |
| Net loans and leases to core deposits | 41.3627% | 6,426 |
| Total domestic deposits to total assets | 86.1816% | 3,274 |
| Equity capital to assets | 13.2611% | 1,236 |
| Core capital (leverage) ratio | 12.8710% | 1,214 |
| Tier 1 risk-based capital ratio | 22.2099% | 1,250 |
| Total risk-based capital ratio | 23.4608% | 1,231 |
| Memoranda: | ||
| Average total assets | $26,815,330 | 6,711 |
| Average earning assets | $26,019,000 | 6,655 |
| Average equity | $3,598,000 | 6,540 |
| Average total loans | $9,854,000 | 6,717 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2859% | 6,179 |
| Cost of funding earning assets | 0.6208% | 2,917 |
| Net interest margin | 2.6651% | 6,279 |
| Noninterest income to average assets | 0.2058% | 6,007 |
| Noninterest expense to average assets | 1.7931% | 6,448 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9994% | 2,225 |
| Return on assets (ROA) | 0.9994% | 2,345 |
| Pretax return on assets | 0.9994% | 3,355 |
| Return on Equity (ROE) | 7.4074% | 3,263 |
| Retained earnings to average equity (ytd only) | -20.2614% | 6,833 |
| Net charge-offs to loans | -0.0390% | 6,016 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2105% | 4,978 |
| Assets per employee ($millions) | 6.9253% | 793 |
| Cash dividends to net income (ytd only)* | 373.5294% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4840% | 1,138 |
| Loan loss allowance to noncurrent loans | 1,040.9091% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.1372% | 6,162 |
| Noncurrent loans to loans | 0.2386% | 5,815 |
| Net loans and leases to total assets | 32.4537% | 6,491 |
| Net loans and leases to deposits | 37.5758% | 6,521 |
| Net loans and leases to core deposits | 39.4592% | 6,504 |
| Total domestic deposits to total assets | 86.3687% | 3,320 |
| Equity capital to assets | 12.8876% | 1,478 |
| Core capital (leverage) ratio | 12.2216% | 1,446 |
| Tier 1 risk-based capital ratio | 21.0686% | 1,519 |
| Total risk-based capital ratio | 22.3191% | 1,491 |
| Memoranda: | ||
| Average total assets | $27,215,000 | 6,772 |
| Average earning assets | $26,416,000 | 6,712 |
| Average equity | $3,672,000 | 6,591 |
| Average total loans | $10,258,500 | 6,760 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9140% | 5,532 |
| Cost of funding earning assets | 0.7678% | 2,937 |
| Net interest margin | 3.1462% | 5,705 |
| Noninterest income to average assets | 0.2187% | 5,868 |
| Noninterest expense to average assets | 1.6817% | 6,737 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.5347% | 854 |
| Return on assets (ROA) | 1.5837% | 858 |
| Pretax return on assets | 1.5837% | 1,430 |
| Return on Equity (ROE) | 11.7142% | 1,590 |
| Retained earnings to average equity (ytd only) | 6.1918% | 1,976 |
| Net charge-offs to loans | -0.0388% | 6,659 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2860% | 6,441 |
| Assets per employee ($millions) | 4.4548% | 3,045 |
| Cash dividends to net income (ytd only)* | 47.1429% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0181% | 1,974 |
| Loan loss allowance to noncurrent loans | 91.2000% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 1.0363% | 3,958 |
| Noncurrent loans to loans | 2.2128% | 2,444 |
| Net loans and leases to total assets | 41.4157% | 6,059 |
| Net loans and leases to deposits | 54.2753% | 5,624 |
| Net loans and leases to core deposits | 55.3306% | 5,767 |
| Total domestic deposits to total assets | 76.3066% | 6,320 |
| Equity capital to assets | 14.1195% | 998 |
| Core capital (leverage) ratio | 13.3683% | 995 |
| Tier 1 risk-based capital ratio | 20.0707% | 1,653 |
| Total risk-based capital ratio | 21.3187% | 1,630 |
| Memoranda: | ||
| Average total assets | $26,520,200 | 6,831 |
| Average earning assets | $25,268,200 | 6,778 |
| Average equity | $3,585,400 | 6,669 |
| Average total loans | $10,302,000 | 6,836 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9134% | 5,755 |
| Cost of funding earning assets | 0.8007% | 2,930 |
| Net interest margin | 3.1127% | 5,909 |
| Noninterest income to average assets | 0.2217% | 5,968 |
| Noninterest expense to average assets | 1.6170% | 6,862 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.5616% | 933 |
| Return on assets (ROA) | 1.6120% | 908 |
| Pretax return on assets | 1.6120% | 1,538 |
| Return on Equity (ROE) | 12.0585% | 1,615 |
| Retained earnings to average equity (ytd only) | 4.5972% | 3,666 |
| Net charge-offs to loans | -0.0398% | 6,648 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8716% | 6,526 |
| Assets per employee ($millions) | 4.5128% | 2,892 |
| Cash dividends to net income (ytd only)* | 61.8736% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2641% | 1,593 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1625% | 6,294 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 36.1894% | 6,537 |
| Net loans and leases to deposits | 42.1010% | 6,591 |
| Net loans and leases to core deposits | 42.8166% | 6,638 |
| Total domestic deposits to total assets | 85.9586% | 3,277 |
| Equity capital to assets | 13.6610% | 1,282 |
| Core capital (leverage) ratio | 12.9342% | 1,212 |
| Tier 1 risk-based capital ratio | 20.4910% | 1,636 |
| Total risk-based capital ratio | 21.7425% | 1,604 |
| Memoranda: | ||
| Average total assets | $26,468,000 | 6,917 |
| Average earning assets | $25,143,750 | 6,872 |
| Average equity | $3,538,250 | 6,760 |
| Average total loans | $10,053,000 | 6,934 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9505% | 5,780 |
| Cost of funding earning assets | 0.8254% | 2,989 |
| Net interest margin | 3.1252% | 5,927 |
| Noninterest income to average assets | 0.2132% | 6,042 |
| Noninterest expense to average assets | 1.5610% | 6,965 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.6219% | 805 |
| Return on assets (ROA) | 1.6981% | 758 |
| Pretax return on assets | 1.6981% | 1,260 |
| Return on Equity (ROE) | 12.7989% | 1,415 |
| Retained earnings to average equity (ytd only) | 1.4349% | 5,476 |
| Net charge-offs to loans | -0.0398% | 6,604 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0431% | 6,710 |
| Assets per employee ($millions) | 4.3127% | 3,237 |
| Cash dividends to net income (ytd only)* | 88.7892% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2472% | 1,675 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2589% | 6,126 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 37.9927% | 6,480 |
| Net loans and leases to deposits | 44.2818% | 6,542 |
| Net loans and leases to core deposits | 45.0674% | 6,617 |
| Total domestic deposits to total assets | 85.7977% | 3,458 |
| Equity capital to assets | 13.7077% | 1,211 |
| Core capital (leverage) ratio | 12.7302% | 1,244 |
| Tier 1 risk-based capital ratio | 20.1931% | 1,665 |
| Total risk-based capital ratio | 21.4442% | 1,631 |
| Memoranda: | ||
| Average total assets | $26,265,000 | 6,979 |
| Average earning assets | $24,958,670 | 6,930 |
| Average equity | $3,484,670 | 6,811 |
| Average total loans | $10,062,000 | 6,993 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9566% | 5,887 |
| Cost of funding earning assets | 0.8581% | 3,007 |
| Net interest margin | 3.0986% | 6,046 |
| Noninterest income to average assets | 0.2116% | 6,106 |
| Noninterest expense to average assets | 1.4362% | 7,092 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.7234% | 691 |
| Return on assets (ROA) | 1.7234% | 770 |
| Pretax return on assets | 1.7234% | 1,246 |
| Return on Equity (ROE) | 13.2040% | 1,350 |
| Retained earnings to average equity (ytd only) | -9.7293% | 6,833 |
| Net charge-offs to loans | -0.0397% | 6,447 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4545% | 6,929 |
| Assets per employee ($millions) | 5.4214% | 1,763 |
| Cash dividends to net income (ytd only)* | 173.6842% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2889% | 1,690 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3542% | 6,002 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 35.4337% | 6,658 |
| Net loans and leases to deposits | 40.8602% | 6,706 |
| Net loans and leases to core deposits | 41.5441% | 6,768 |
| Total domestic deposits to total assets | 86.7193% | 3,108 |
| Equity capital to assets | 12.6683% | 1,612 |
| Core capital (leverage) ratio | 12.5126% | 1,338 |
| Tier 1 risk-based capital ratio | 19.5933% | 1,813 |
| Total risk-based capital ratio | 20.8475% | 1,790 |
| Memoranda: | ||
| Average total assets | $26,459,500 | 7,038 |
| Average earning assets | $25,173,000 | 6,977 |
| Average equity | $3,453,500 | 6,861 |
| Average total loans | $10,064,500 | 7,058 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5275% | 4,965 |
| Cost of funding earning assets | 1.0899% | 2,736 |
| Net interest margin | 3.4376% | 5,374 |
| Noninterest income to average assets | -0.1110% | 7,105 |
| Noninterest expense to average assets | 1.7480% | 7,012 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.3041% | 1,241 |
| Return on assets (ROA) | 1.3160% | 1,305 |
| Pretax return on assets | 1.3160% | 2,066 |
| Return on Equity (ROE) | 9.7653% | 2,137 |
| Retained earnings to average equity (ytd only) | 2.7649% | 4,264 |
| Net charge-offs to loans | 0.0781% | 5,540 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 41.1250% | 658 |
| Efficiency ratio | 57.2727% | 6,156 |
| Assets per employee ($millions) | 5.1624% | 1,989 |
| Cash dividends to net income (ytd only)* | 71.6867% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1750% | 1,847 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3835% | 6,017 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 39.0322% | 6,596 |
| Net loans and leases to deposits | 46.2963% | 6,610 |
| Net loans and leases to core deposits | 47.1279% | 6,686 |
| Total domestic deposits to total assets | 84.3096% | 4,179 |
| Equity capital to assets | 13.4550% | 1,294 |
| Core capital (leverage) ratio | 12.3338% | 1,422 |
| Tier 1 risk-based capital ratio | 19.4751% | 1,772 |
| Total risk-based capital ratio | 20.7254% | 1,738 |
| Memoranda: | ||
| Average total assets | $25,228,600 | 7,098 |
| Average earning assets | $23,213,600 | 7,071 |
| Average equity | $3,399,800 | 6,911 |
| Average total loans | $10,237,800 | 7,110 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6902% | 4,504 |
| Cost of funding earning assets | 1.1375% | 2,711 |
| Net interest margin | 3.5526% | 4,968 |
| Noninterest income to average assets | 0.1861% | 6,265 |
| Noninterest expense to average assets | 1.7382% | 7,058 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.6851% | 655 |
| Return on assets (ROA) | 1.6851% | 719 |
| Pretax return on assets | 1.6851% | 1,174 |
| Return on Equity (ROE) | 12.4992% | 1,413 |
| Retained earnings to average equity (ytd only) | 4.3768% | 3,612 |
| Net charge-offs to loans | -0.0391% | 7,009 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7764% | 6,783 |
| Assets per employee ($millions) | 5.3078% | 1,806 |
| Cash dividends to net income (ytd only)* | 64.9837% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3341% | 1,635 |
| Loan loss allowance to noncurrent loans | 712.1212% | 484 |
| Noncurrent assets plus other real estate owned to assets | 1.5148% | 3,833 |
| Noncurrent loans to loans | 0.3278% | 6,198 |
| Net loans and leases to total assets | 37.0511% | 6,822 |
| Net loans and leases to deposits | 42.8640% | 6,881 |
| Net loans and leases to core deposits | 43.5937% | 6,933 |
| Total domestic deposits to total assets | 86.4388% | 2,965 |
| Equity capital to assets | 13.2145% | 1,510 |
| Core capital (leverage) ratio | 12.5715% | 1,403 |
| Tier 1 risk-based capital ratio | 19.5419% | 1,805 |
| Total risk-based capital ratio | 20.7960% | 1,769 |
| Memoranda: | ||
| Average total assets | $25,082,750 | 7,172 |
| Average earning assets | $22,855,750 | 7,153 |
| Average equity | $3,381,500 | 6,973 |
| Average total loans | $10,222,500 | 7,181 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7338% | 4,376 |
| Cost of funding earning assets | 1.1834% | 2,687 |
| Net interest margin | 3.5503% | 4,920 |
| Noninterest income to average assets | 0.1789% | 6,378 |
| Noninterest expense to average assets | 1.7969% | 7,088 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.6262% | 694 |
| Return on assets (ROA) | 1.6262% | 737 |
| Pretax return on assets | 1.6262% | 1,208 |
| Return on Equity (ROE) | 11.9772% | 1,498 |
| Retained earnings to average equity (ytd only) | 1.5570% | 5,203 |
| Net charge-offs to loans | -0.0389% | 6,987 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4941% | 6,757 |
| Assets per employee ($millions) | 5.0796% | 2,012 |
| Cash dividends to net income (ytd only)* | 87.0000% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2670% | 1,798 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4568% | 4,034 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 39.7197% | 6,767 |
| Net loans and leases to deposits | 46.1377% | 6,821 |
| Net loans and leases to core deposits | 48.2218% | 6,845 |
| Total domestic deposits to total assets | 86.0895% | 3,275 |
| Equity capital to assets | 13.5483% | 1,266 |
| Core capital (leverage) ratio | 12.8319% | 1,231 |
| Tier 1 risk-based capital ratio | 19.4268% | 1,730 |
| Total risk-based capital ratio | 20.6766% | 1,702 |
| Memoranda: | ||
| Average total assets | $24,597,330 | 7,252 |
| Average earning assets | $22,476,670 | 7,233 |
| Average equity | $3,339,670 | 7,031 |
| Average total loans | $10,274,000 | 7,252 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7930% | 4,087 |
| Cost of funding earning assets | 1.2623% | 2,415 |
| Net interest margin | 3.5308% | 4,878 |
| Noninterest income to average assets | 0.1818% | 6,418 |
| Noninterest expense to average assets | 1.9176% | 6,961 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4547% | 978 |
| Return on assets (ROA) | 1.4547% | 1,012 |
| Pretax return on assets | 1.4547% | 1,583 |
| Return on Equity (ROE) | 10.7023% | 1,832 |
| Retained earnings to average equity (ytd only) | -2.6756% | 6,250 |
| Net charge-offs to loans | -0.0390% | 6,807 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8627% | 6,396 |
| Assets per employee ($millions) | 4.2402% | 3,366 |
| Cash dividends to net income (ytd only)* | 125.0000% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3861% | 1,620 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4779% | 4,035 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 37.4671% | 6,934 |
| Net loans and leases to deposits | 43.1683% | 6,982 |
| Net loans and leases to core deposits | 45.0984% | 7,007 |
| Total domestic deposits to total assets | 86.7930% | 3,066 |
| Equity capital to assets | 12.9083% | 1,420 |
| Core capital (leverage) ratio | 13.2496% | 1,043 |
| Tier 1 risk-based capital ratio | 19.5245% | 1,688 |
| Total risk-based capital ratio | 20.7746% | 1,653 |
| Memoranda: | ||
| Average total assets | $24,197,000 | 7,309 |
| Average earning assets | $21,865,000 | 7,299 |
| Average equity | $3,289,000 | 7,084 |
| Average total loans | $10,250,000 | 7,308 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3076% | 3,102 |
| Cost of funding earning assets | 1.4651% | 2,854 |
| Net interest margin | 3.8424% | 3,766 |
| Noninterest income to average assets | 0.2498% | 6,013 |
| Noninterest expense to average assets | 2.2043% | 6,599 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.6083% | 612 |
| Return on assets (ROA) | 1.6083% | 659 |
| Pretax return on assets | 1.6083% | 1,107 |
| Return on Equity (ROE) | 11.4688% | 1,463 |
| Retained earnings to average equity (ytd only) | 4.1563% | 2,939 |
| Net charge-offs to loans | -0.0577% | 7,458 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8161% | 6,359 |
| Assets per employee ($millions) | 3.8255% | 4,190 |
| Cash dividends to net income (ytd only)* | 63.7602% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1612% | 1,945 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.6556% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 45.7587% | 6,578 |
| Net loans and leases to deposits | 53.6799% | 6,630 |
| Net loans and leases to core deposits | 58.6040% | 6,508 |
| Total domestic deposits to total assets | 85.2438% | 3,736 |
| Equity capital to assets | 14.3511% | 942 |
| Core capital (leverage) ratio | 13.7170% | 925 |
| Tier 1 risk-based capital ratio | 19.2788% | 1,643 |
| Total risk-based capital ratio | 20.5288% | 1,617 |
| Memoranda: | ||
| Average total assets | $22,818,600 | 7,401 |
| Average earning assets | $21,158,400 | 7,373 |
| Average equity | $3,200,000 | 7,220 |
| Average total loans | $10,397,600 | 7,371 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3713% | 3,026 |
| Cost of funding earning assets | 1.4868% | 3,056 |
| Net interest margin | 3.8846% | 3,589 |
| Noninterest income to average assets | 0.2633% | 6,012 |
| Noninterest expense to average assets | 2.0715% | 6,910 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.7848% | 529 |
| Return on assets (ROA) | 1.7848% | 575 |
| Pretax return on assets | 1.7848% | 954 |
| Return on Equity (ROE) | 12.8021% | 1,316 |
| Retained earnings to average equity (ytd only) | 4.2814% | 3,481 |
| Net charge-offs to loans | -0.0776% | 7,517 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7178% | 6,813 |
| Assets per employee ($millions) | 3.8543% | 4,133 |
| Cash dividends to net income (ytd only)* | 66.5568% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2222% | 1,759 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7253% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 44.1408% | 6,831 |
| Net loans and leases to deposits | 51.7647% | 6,899 |
| Net loans and leases to core deposits | 55.2381% | 6,902 |
| Total domestic deposits to total assets | 85.2720% | 3,481 |
| Equity capital to assets | 14.2956% | 1,084 |
| Core capital (leverage) ratio | 16.0137% | 561 |
| Tier 1 risk-based capital ratio | 19.3211% | 1,683 |
| Total risk-based capital ratio | 20.5743% | 1,649 |
| Memoranda: | ||
| Average total assets | $22,785,000 | 7,496 |
| Average earning assets | $21,074,250 | 7,470 |
| Average equity | $3,176,500 | 7,315 |
| Average total loans | $10,313,250 | 7,479 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4150% | 2,908 |
| Cost of funding earning assets | 1.5116% | 3,192 |
| Net interest margin | 3.9034% | 3,432 |
| Noninterest income to average assets | 0.2470% | 6,145 |
| Noninterest expense to average assets | 2.0466% | 7,025 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.7996% | 488 |
| Return on assets (ROA) | 1.7996% | 530 |
| Pretax return on assets | 1.7996% | 885 |
| Return on Equity (ROE) | 13.0213% | 1,236 |
| Retained earnings to average equity (ytd only) | 2.0426% | 4,840 |
| Net charge-offs to loans | -0.0974% | 7,551 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2110% | 6,960 |
| Assets per employee ($millions) | 3.8965% | 3,987 |
| Cash dividends to net income (ytd only)* | 84.3137% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3100% | 1,566 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7067% | 3,883 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 41.7854% | 7,052 |
| Net loans and leases to deposits | 48.6141% | 7,133 |
| Net loans and leases to core deposits | 50.9598% | 7,173 |
| Total domestic deposits to total assets | 85.9532% | 3,120 |
| Equity capital to assets | 13.6020% | 1,304 |
| Core capital (leverage) ratio | 13.6895% | 1,005 |
| Tier 1 risk-based capital ratio | 19.5297% | 1,598 |
| Total risk-based capital ratio | 20.7998% | 1,568 |
| Memoranda: | ||
| Average total assets | $22,671,330 | 7,564 |
| Average earning assets | $20,905,000 | 7,533 |
| Average equity | $3,133,330 | 7,375 |
| Average total loans | $10,271,000 | 7,538 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3173% | 3,462 |
| Cost of funding earning assets | 1.5605% | 3,203 |
| Net interest margin | 3.7568% | 3,969 |
| Noninterest income to average assets | 0.2330% | 6,292 |
| Noninterest expense to average assets | 2.0074% | 7,145 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.7206% | 590 |
| Return on assets (ROA) | 1.7206% | 643 |
| Pretax return on assets | 1.7206% | 1,019 |
| Return on Equity (ROE) | 12.3473% | 1,407 |
| Retained earnings to average equity (ytd only) | -1.8006% | 6,182 |
| Net charge-offs to loans | -0.1922% | 7,666 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8462% | 6,987 |
| Assets per employee ($millions) | 3.7368% | 4,475 |
| Cash dividends to net income (ytd only)* | 114.5833% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2674% | 1,630 |
| Loan loss allowance to noncurrent loans | 72.4138% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 2.1721% | 3,309 |
| Noncurrent loans to loans | 3.1311% | 2,563 |
| Net loans and leases to total assets | 44.4093% | 6,961 |
| Net loans and leases to deposits | 51.7892% | 7,057 |
| Net loans and leases to core deposits | 54.4039% | 7,080 |
| Total domestic deposits to total assets | 85.7500% | 3,284 |
| Equity capital to assets | 13.8709% | 1,183 |
| Core capital (leverage) ratio | 13.9829% | 968 |
| Tier 1 risk-based capital ratio | 20.1262% | 1,501 |
| Total risk-based capital ratio | 21.3821% | 1,467 |
| Memoranda: | ||
| Average total assets | $22,317,500 | 7,669 |
| Average earning assets | $20,762,500 | 7,628 |
| Average equity | $3,110,000 | 7,463 |
| Average total loans | $10,406,500 | 7,632 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6675% | 3,267 |
| Cost of funding earning assets | 1.8302% | 3,835 |
| Net interest margin | 3.8373% | 3,542 |
| Noninterest income to average assets | 0.2270% | 6,493 |
| Noninterest expense to average assets | 2.0910% | 7,202 |
| Loan and lease loss provision to assets | 0.0960% | 6,650 |
| Net operating income to assets | 1.6370% | 497 |
| Return on assets (ROA) | 1.5191% | 690 |
| Pretax return on assets | 1.5191% | 1,136 |
| Return on Equity (ROE) | 11.9547% | 1,173 |
| Retained earnings to average equity (ytd only) | 3.5727% | 2,677 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6804% | 7,160 |
| Assets per employee ($millions) | 3.7023% | 4,515 |
| Cash dividends to net income (ytd only)* | 70.1149% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1271% | 1,780 |
| Loan loss allowance to noncurrent loans | 272.2892% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 1.1434% | 4,806 |
| Noncurrent loans to loans | 0.7812% | 5,712 |
| Net loans and leases to total assets | 46.8128% | 6,910 |
| Net loans and leases to deposits | 54.7489% | 7,001 |
| Net loans and leases to core deposits | 68.9406% | 6,831 |
| Total domestic deposits to total assets | 85.5046% | 3,287 |
| Equity capital to assets | 14.0002% | 1,172 |
| Core capital (leverage) ratio | 13.7449% | 1,031 |
| Tier 1 risk-based capital ratio | 19.5337% | 1,558 |
| Total risk-based capital ratio | 20.7852% | 1,514 |
| Memoranda: | ||
| Average total assets | $22,908,200 | 7,706 |
| Average earning assets | $21,473,200 | 7,666 |
| Average equity | $2,911,000 | 7,612 |
| Average total loans | $10,762,200 | 7,666 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7377% | 3,152 |
| Cost of funding earning assets | 1.8715% | 4,038 |
| Net interest margin | 3.8661% | 3,360 |
| Noninterest income to average assets | 0.1906% | 6,855 |
| Noninterest expense to average assets | 2.0795% | 7,225 |
| Loan and lease loss provision to assets | 0.0924% | 6,443 |
| Net operating income to assets | 1.6463% | 609 |
| Return on assets (ROA) | 1.6463% | 661 |
| Pretax return on assets | 1.6463% | 1,079 |
| Return on Equity (ROE) | 13.2806% | 1,049 |
| Retained earnings to average equity (ytd only) | 3.4481% | 3,367 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4629% | 7,185 |
| Assets per employee ($millions) | 3.6600% | 4,515 |
| Cash dividends to net income (ytd only)* | 74.0362% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0723% | 1,639 |
| Loan loss allowance to noncurrent loans | 143.7908% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 1.4936% | 4,132 |
| Noncurrent loans to loans | 1.4412% | 4,510 |
| Net loans and leases to total assets | 47.3406% | 7,008 |
| Net loans and leases to deposits | 55.3715% | 7,127 |
| Net loans and leases to core deposits | 70.4002% | 6,946 |
| Total domestic deposits to total assets | 85.4964% | 2,967 |
| Equity capital to assets | 13.9754% | 1,313 |
| Core capital (leverage) ratio | 13.6083% | 1,200 |
| Tier 1 risk-based capital ratio | 19.7228% | 1,610 |
| Total risk-based capital ratio | 20.9729% | 1,568 |
| Memoranda: | ||
| Average total assets | $23,081,750 | 7,765 |
| Average earning assets | $21,657,500 | 7,726 |
| Average equity | $2,861,250 | 7,701 |
| Average total loans | $10,796,500 | 7,740 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7051% | 3,511 |
| Cost of funding earning assets | 1.9047% | 4,236 |
| Net interest margin | 3.8004% | 3,551 |
| Noninterest income to average assets | 0.1791% | 7,015 |
| Noninterest expense to average assets | 2.0294% | 7,412 |
| Loan and lease loss provision to assets | 0.0853% | 6,326 |
| Net operating income to assets | 1.6371% | 636 |
| Return on assets (ROA) | 1.6371% | 701 |
| Pretax return on assets | 1.6371% | 1,136 |
| Return on Equity (ROE) | 13.7536% | 1,036 |
| Retained earnings to average equity (ytd only) | 1.0745% | 4,727 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0909% | 7,320 |
| Assets per employee ($millions) | 3.8018% | 4,092 |
| Cash dividends to net income (ytd only)* | 92.1875% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0329% | 1,509 |
| Loan loss allowance to noncurrent loans | 55.2972% | 4,702 |
| Noncurrent assets plus other real estate owned to assets | 2.4637% | 2,618 |
| Noncurrent loans to loans | 3.6763% | 1,892 |
| Net loans and leases to total assets | 45.2106% | 7,249 |
| Net loans and leases to deposits | 52.2548% | 7,368 |
| Net loans and leases to core deposits | 67.6085% | 7,142 |
| Total domestic deposits to total assets | 86.5197% | 2,504 |
| Equity capital to assets | 12.8534% | 1,761 |
| Core capital (leverage) ratio | 12.7875% | 1,515 |
| Tier 1 risk-based capital ratio | 19.2335% | 1,735 |
| Total risk-based capital ratio | 20.4831% | 1,687 |
| Memoranda: | ||
| Average total assets | $23,455,670 | 7,832 |
| Average earning assets | $22,050,330 | 7,796 |
| Average equity | $2,792,000 | 7,791 |
| Average total loans | $10,856,670 | 7,824 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6912% | 3,849 |
| Cost of funding earning assets | 1.9446% | 4,400 |
| Net interest margin | 3.7466% | 3,671 |
| Noninterest income to average assets | 0.1850% | 6,973 |
| Noninterest expense to average assets | 1.9850% | 7,387 |
| Loan and lease loss provision to assets | 0.0673% | 6,106 |
| Net operating income to assets | 1.6654% | 697 |
| Return on assets (ROA) | 1.6654% | 762 |
| Pretax return on assets | 1.6654% | 1,256 |
| Return on Equity (ROE) | 14.5481% | 1,064 |
| Retained earnings to average equity (ytd only) | -1.6165% | 6,022 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3937% | 7,280 |
| Assets per employee ($millions) | 3.9305% | 3,807 |
| Cash dividends to net income (ytd only)* | 111.1111% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9704% | 1,480 |
| Loan loss allowance to noncurrent loans | 88.8889% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 1.7470% | 3,299 |
| Noncurrent loans to loans | 2.2167% | 2,955 |
| Net loans and leases to total assets | 43.8791% | 7,348 |
| Net loans and leases to deposits | 49.7261% | 7,505 |
| Net loans and leases to core deposits | 63.5275% | 7,330 |
| Total domestic deposits to total assets | 88.2415% | 1,617 |
| Equity capital to assets | 11.3302% | 2,701 |
| Core capital (leverage) ratio | 12.4805% | 1,693 |
| Tier 1 risk-based capital ratio | 18.8736% | 1,843 |
| Total risk-based capital ratio | 20.1237% | 1,796 |
| Memoranda: | ||
| Average total assets | $23,778,000 | 7,872 |
| Average earning assets | $22,420,500 | 7,827 |
| Average equity | $2,722,000 | 7,867 |
| Average total loans | $11,021,500 | 7,861 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2391% | 4,305 |
| Cost of funding earning assets | 2.8083% | 2,672 |
| Net interest margin | 3.4309% | 5,544 |
| Noninterest income to average assets | 0.2853% | 6,425 |
| Noninterest expense to average assets | 1.9416% | 7,548 |
| Loan and lease loss provision to assets | 0.1022% | 6,074 |
| Net operating income to assets | 1.5031% | 1,013 |
| Return on assets (ROA) | 1.5031% | 977 |
| Pretax return on assets | 1.5031% | 1,679 |
| Return on Equity (ROE) | 12.6306% | 1,419 |
| Retained earnings to average equity (ytd only) | 3.6854% | 2,855 |
| Net charge-offs to loans | -0.0087% | 7,836 |
| Credit loss provision to net charge-offs | -2,400.0000% | 7,485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7419% | 7,179 |
| Assets per employee ($millions) | 3.9955% | 3,524 |
| Cash dividends to net income (ytd only)* | 70.8215% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7759% | 1,688 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7425% | 4,996 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 47.0654% | 7,249 |
| Net loans and leases to deposits | 53.7030% | 7,456 |
| Net loans and leases to core deposits | 70.7664% | 7,146 |
| Total domestic deposits to total assets | 87.6403% | 1,644 |
| Equity capital to assets | 11.5630% | 2,592 |
| Core capital (leverage) ratio | 12.3519% | 1,803 |
| Tier 1 risk-based capital ratio | 17.7638% | 2,101 |
| Total risk-based capital ratio | 18.9836% | 2,046 |
| Memoranda: | ||
| Average total assets | $23,485,400 | 7,892 |
| Average earning assets | $22,326,800 | 7,849 |
| Average equity | $2,794,800 | 7,894 |
| Average total loans | $11,484,200 | 7,864 |