Home > Stockmens Bank > Performance and Condition Ratios
Stockmens Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7443% | 4,235 |
| Cost of funding earning assets | 0.6583% | 3,985 |
| Net interest margin | 3.0860% | 3,122 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 2.5268% | 2,228 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6244% | 3,376 |
| Return on assets (ROA) | 0.6244% | 3,357 |
| Pretax return on assets | 0.6244% | 3,591 |
| Return on Equity (ROE) | 6.5900% | 3,391 |
| Retained earnings to average equity (ytd only) | 3.7326% | 3,049 |
| Net charge-offs to loans | -0.0156% | 4,097 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 80.1860% | 904 |
| Assets per employee ($millions) | 5.4906% | 3,260 |
| Cash dividends to net income (ytd only)* | 43.3213% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9496% | 415 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 26.9100% | 4,345 |
| Net loans and leases to deposits | 29.9192% | 4,355 |
| Net loans and leases to core deposits | 32.0802% | 4,377 |
| Total domestic deposits to total assets | 89.9300% | 774 |
| Equity capital to assets | 9.9647% | 2,032 |
| Core capital (leverage) ratio | 10.8806% | 2,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.0701% | 205 |
| Memoranda: | ||
| Average total assets | $44,364,600 | 4,361 |
| Average earning assets | $42,838,200 | 4,317 |
| Average equity | $4,206,200 | 4,337 |
| Average total loans | $12,833,600 | 4,378 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6486% | 4,261 |
| Cost of funding earning assets | 0.6060% | 3,961 |
| Net interest margin | 3.0425% | 3,253 |
| Noninterest income to average assets | 0.1200% | 4,221 |
| Noninterest expense to average assets | 1.9516% | 3,710 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1152% | 2,005 |
| Return on assets (ROA) | 1.1152% | 1,987 |
| Pretax return on assets | 1.1152% | 2,523 |
| Return on Equity (ROE) | 11.9100% | 2,147 |
| Retained earnings to average equity (ytd only) | 8.0699% | 1,940 |
| Net charge-offs to loans | -0.0102% | 3,938 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 63.6364% | 2,542 |
| Assets per employee ($millions) | 5.3951% | 3,265 |
| Cash dividends to net income (ytd only)* | 32.2581% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8075% | 563 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 29.4500% | 4,328 |
| Net loans and leases to deposits | 32.8951% | 4,347 |
| Net loans and leases to core deposits | 36.1034% | 4,328 |
| Total domestic deposits to total assets | 89.5300% | 1,060 |
| Equity capital to assets | 9.9233% | 1,870 |
| Core capital (leverage) ratio | 11.0724% | 1,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.4347% | 201 |
| Memoranda: | ||
| Average total assets | $44,474,500 | 4,375 |
| Average earning assets | $43,121,000 | 4,330 |
| Average equity | $4,163,500 | 4,351 |
| Average total loans | $13,028,500 | 4,397 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5327% | 4,314 |
| Cost of funding earning assets | 0.5329% | 3,921 |
| Net interest margin | 2.9998% | 3,431 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 1.9683% | 3,663 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0554% | 2,250 |
| Return on assets (ROA) | 1.0554% | 2,247 |
| Pretax return on assets | 1.0554% | 2,765 |
| Return on Equity (ROE) | 11.4900% | 2,298 |
| Retained earnings to average equity (ytd only) | 5.6746% | 2,734 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.0957% | 2,361 |
| Assets per employee ($millions) | 5.5570% | 3,097 |
| Cash dividends to net income (ytd only)* | 50.6329% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7291% | 699 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 29.7900% | 4,335 |
| Net loans and leases to deposits | 33.2747% | 4,344 |
| Net loans and leases to core deposits | 36.4031% | 4,317 |
| Total domestic deposits to total assets | 89.5200% | 1,079 |
| Equity capital to assets | 9.4498% | 2,185 |
| Core capital (leverage) ratio | 10.5901% | 2,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.5678% | 187 |
| Memoranda: | ||
| Average total assets | $44,912,333 | 4,394 |
| Average earning assets | $43,536,333 | 4,349 |
| Average equity | $4,123,667 | 4,383 |
| Average total loans | $13,056,000 | 4,424 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2938% | 4,440 |
| Cost of funding earning assets | 0.4653% | 3,791 |
| Net interest margin | 2.8284% | 3,908 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 1.9583% | 3,717 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9216% | 2,783 |
| Return on assets (ROA) | 0.9216% | 2,739 |
| Pretax return on assets | 0.9216% | 3,183 |
| Return on Equity (ROE) | 10.1800% | 2,732 |
| Retained earnings to average equity (ytd only) | -1.5667% | 4,180 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.0000% | 1,976 |
| Assets per employee ($millions) | 5.5175% | 3,203 |
| Cash dividends to net income (ytd only)* | 115.3846% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8182% | 641 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 28.5000% | 4,395 |
| Net loans and leases to deposits | 31.5109% | 4,416 |
| Net loans and leases to core deposits | 33.4850% | 4,402 |
| Total domestic deposits to total assets | 90.4600% | 992 |
| Equity capital to assets | 9.3453% | 2,261 |
| Core capital (leverage) ratio | 10.4834% | 2,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.5271% | 186 |
| Memoranda: | ||
| Average total assets | $45,140,500 | 4,459 |
| Average earning assets | $43,840,500 | 4,416 |
| Average equity | $4,085,000 | 4,445 |
| Average total loans | $12,846,500 | 4,483 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9037% | 4,233 |
| Cost of funding earning assets | 0.4432% | 1,771 |
| Net interest margin | 2.4605% | 4,317 |
| Noninterest income to average assets | 0.1100% | 4,393 |
| Noninterest expense to average assets | 1.9459% | 3,727 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5388% | 4,020 |
| Return on assets (ROA) | 0.4821% | 4,075 |
| Pretax return on assets | 0.4821% | 4,192 |
| Return on Equity (ROE) | 5.3100% | 3,965 |
| Retained earnings to average equity (ytd only) | 1.8752% | 4,004 |
| Net charge-offs to loans | 0.0982% | 744 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 20.5833% | 1,878 |
| Efficiency ratio | 78.3143% | 833 |
| Assets per employee ($millions) | 5.7676% | 2,973 |
| Cash dividends to net income (ytd only)* | 64.7059% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8093% | 647 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 27.4100% | 4,449 |
| Net loans and leases to deposits | 30.0520% | 4,472 |
| Net loans and leases to core deposits | 31.8233% | 4,451 |
| Total domestic deposits to total assets | 91.1900% | 881 |
| Equity capital to assets | 8.7666% | 2,517 |
| Core capital (leverage) ratio | 10.1173% | 2,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.1902% | 212 |
| Memoranda: | ||
| Average total assets | $45,838,800 | 4,479 |
| Average earning assets | $44,219,000 | 4,434 |
| Average equity | $4,159,600 | 4,516 |
| Average total loans | $12,216,600 | 4,528 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7696% | 4,031 |
| Cost of funding earning assets | 0.4344% | 748 |
| Net interest margin | 2.3352% | 4,297 |
| Noninterest income to average assets | 0.1173% | 4,412 |
| Noninterest expense to average assets | 1.8851% | 3,741 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4734% | 3,959 |
| Return on assets (ROA) | 0.4734% | 3,911 |
| Pretax return on assets | 0.4734% | 4,042 |
| Return on Equity (ROE) | 5.0796% | 3,799 |
| Retained earnings to average equity (ytd only) | -1.5845% | 4,349 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9263% | 953 |
| Assets per employee ($millions) | 5.7871% | 2,937 |
| Cash dividends to net income (ytd only)* | 131.1927% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9938% | 559 |
| Loan loss allowance to noncurrent loans | 2,227.2727% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.0238% | 3,761 |
| Noncurrent loans to loans | 0.0895% | 3,326 |
| Net loans and leases to total assets | 26.0125% | 4,559 |
| Net loans and leases to deposits | 28.6173% | 4,579 |
| Net loans and leases to core deposits | 31.1261% | 4,548 |
| Total domestic deposits to total assets | 90.8979% | 1,279 |
| Equity capital to assets | 8.7716% | 2,555 |
| Core capital (leverage) ratio | 9.8035% | 2,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.6976% | 155 |
| Memoranda: | ||
| Average total assets | $46,046,333 | 4,559 |
| Average earning assets | $44,194,000 | 4,533 |
| Average equity | $4,291,667 | 4,593 |
| Average total loans | $11,858,000 | 4,631 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7566% | 3,828 |
| Cost of funding earning assets | 0.4248% | 756 |
| Net interest margin | 2.3318% | 4,182 |
| Noninterest income to average assets | 0.1219% | 4,396 |
| Noninterest expense to average assets | 1.8379% | 3,845 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5313% | 3,625 |
| Return on assets (ROA) | 0.5313% | 3,593 |
| Pretax return on assets | 0.5313% | 3,812 |
| Return on Equity (ROE) | 5.5366% | 3,474 |
| Retained earnings to average equity (ytd only) | -7.4427% | 4,507 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0294% | 3,373 |
| Assets per employee ($millions) | 5.6809% | 3,144 |
| Cash dividends to net income (ytd only)* | 234.4262% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0499% | 566 |
| Loan loss allowance to noncurrent loans | 4,900.0000% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.0110% | 3,958 |
| Noncurrent loans to loans | 0.0418% | 3,679 |
| Net loans and leases to total assets | 25.7597% | 4,573 |
| Net loans and leases to deposits | 28.7988% | 4,580 |
| Net loans and leases to core deposits | 30.5961% | 4,570 |
| Total domestic deposits to total assets | 89.4470% | 1,842 |
| Equity capital to assets | 9.2063% | 2,523 |
| Core capital (leverage) ratio | 9.9414% | 2,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.6714% | 144 |
| Memoranda: | ||
| Average total assets | $45,921,000 | 4,584 |
| Average earning assets | $44,257,000 | 4,559 |
| Average equity | $4,407,000 | 4,622 |
| Average total loans | $11,643,000 | 4,662 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1298% | 3,626 |
| Cost of funding earning assets | 0.5166% | 866 |
| Net interest margin | 2.6131% | 4,030 |
| Noninterest income to average assets | 0.1165% | 4,542 |
| Noninterest expense to average assets | 1.9881% | 3,712 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5687% | 3,940 |
| Return on assets (ROA) | 0.5687% | 3,985 |
| Pretax return on assets | 0.5687% | 4,157 |
| Return on Equity (ROE) | 5.3229% | 3,927 |
| Retained earnings to average equity (ytd only) | 0.2400% | 4,430 |
| Net charge-offs to loans | 0.0166% | 1,962 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 122.0000% | 773 |
| Efficiency ratio | 77.7575% | 969 |
| Assets per employee ($millions) | 5.7994% | 2,954 |
| Cash dividends to net income (ytd only)* | 95.4918% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1616% | 477 |
| Loan loss allowance to noncurrent loans | 295.1807% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.1789% | 2,686 |
| Noncurrent loans to loans | 0.7323% | 1,388 |
| Net loans and leases to total assets | 23.9013% | 4,662 |
| Net loans and leases to deposits | 26.5643% | 4,676 |
| Net loans and leases to core deposits | 28.1711% | 4,671 |
| Total domestic deposits to total assets | 89.9752% | 972 |
| Equity capital to assets | 9.9795% | 2,672 |
| Core capital (leverage) ratio | 10.1615% | 2,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.5977% | 120 |
| Memoranda: | ||
| Average total assets | $42,905,200 | 4,634 |
| Average earning assets | $40,067,000 | 4,617 |
| Average equity | $4,584,000 | 4,663 |
| Average total loans | $12,035,800 | 4,695 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2855% | 3,423 |
| Cost of funding earning assets | 0.5328% | 902 |
| Net interest margin | 2.7528% | 3,878 |
| Noninterest income to average assets | 0.1237% | 4,576 |
| Noninterest expense to average assets | 2.0650% | 3,468 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6154% | 3,979 |
| Return on assets (ROA) | 0.6154% | 4,029 |
| Pretax return on assets | 0.6154% | 4,216 |
| Return on Equity (ROE) | 5.6569% | 3,995 |
| Retained earnings to average equity (ytd only) | -1.1372% | 4,671 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0414% | 954 |
| Assets per employee ($millions) | 5.4850% | 3,216 |
| Cash dividends to net income (ytd only)* | 120.1031% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1311% | 508 |
| Loan loss allowance to noncurrent loans | 280.6818% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.2005% | 2,792 |
| Noncurrent loans to loans | 0.7593% | 1,485 |
| Net loans and leases to total assets | 25.8500% | 4,707 |
| Net loans and leases to deposits | 29.0481% | 4,721 |
| Net loans and leases to core deposits | 30.9276% | 4,709 |
| Total domestic deposits to total assets | 88.9904% | 1,278 |
| Equity capital to assets | 10.5059% | 2,458 |
| Core capital (leverage) ratio | 10.5920% | 1,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.4672% | 139 |
| Memoranda: | ||
| Average total assets | $42,032,750 | 4,709 |
| Average earning assets | $39,038,750 | 4,694 |
| Average equity | $4,572,500 | 4,733 |
| Average total loans | $12,211,250 | 4,767 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1863% | 3,699 |
| Cost of funding earning assets | 0.5512% | 934 |
| Net interest margin | 2.6351% | 4,108 |
| Noninterest income to average assets | 0.1304% | 4,552 |
| Noninterest expense to average assets | 2.0813% | 3,449 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4732% | 4,274 |
| Return on assets (ROA) | 0.4732% | 4,315 |
| Pretax return on assets | 0.4732% | 4,425 |
| Return on Equity (ROE) | 4.2982% | 4,277 |
| Retained earnings to average equity (ytd only) | -5.9211% | 4,804 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4745% | 700 |
| Assets per employee ($millions) | 5.2891% | 3,359 |
| Cash dividends to net income (ytd only)* | 237.7551% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9336% | 694 |
| Loan loss allowance to noncurrent loans | 283.9080% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.2056% | 2,915 |
| Noncurrent loans to loans | 0.6811% | 1,719 |
| Net loans and leases to total assets | 29.6056% | 4,660 |
| Net loans and leases to deposits | 33.2873% | 4,698 |
| Net loans and leases to core deposits | 35.5184% | 4,679 |
| Total domestic deposits to total assets | 88.9396% | 1,309 |
| Equity capital to assets | 10.7036% | 2,222 |
| Core capital (leverage) ratio | 10.7413% | 1,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.0858% | 164 |
| Memoranda: | ||
| Average total assets | $41,417,000 | 4,747 |
| Average earning assets | $38,100,667 | 4,734 |
| Average equity | $4,560,000 | 4,766 |
| Average total loans | $12,418,333 | 4,799 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2765% | 3,514 |
| Cost of funding earning assets | 0.5532% | 1,081 |
| Net interest margin | 2.7233% | 3,914 |
| Noninterest income to average assets | 0.1465% | 4,469 |
| Noninterest expense to average assets | 2.0210% | 3,653 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6249% | 3,878 |
| Return on assets (ROA) | 0.6249% | 3,947 |
| Pretax return on assets | 0.6249% | 4,157 |
| Return on Equity (ROE) | 5.5950% | 3,969 |
| Retained earnings to average equity (ytd only) | -14.7743% | 4,879 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3838% | 1,097 |
| Assets per employee ($millions) | 5.1789% | 3,450 |
| Cash dividends to net income (ytd only)* | 364.0625% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9820% | 619 |
| Loan loss allowance to noncurrent loans | 178.9855% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 0.3331% | 2,468 |
| Noncurrent loans to loans | 1.1074% | 1,208 |
| Net loans and leases to total assets | 29.4828% | 4,709 |
| Net loans and leases to deposits | 33.1281% | 4,742 |
| Net loans and leases to core deposits | 35.3863% | 4,733 |
| Total domestic deposits to total assets | 88.9962% | 1,345 |
| Equity capital to assets | 10.7914% | 2,013 |
| Core capital (leverage) ratio | 10.8991% | 1,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.6029% | 164 |
| Memoranda: | ||
| Average total assets | $40,969,000 | 4,774 |
| Average earning assets | $37,601,500 | 4,760 |
| Average equity | $4,575,500 | 4,784 |
| Average total loans | $12,240,500 | 4,825 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4363% | 4,148 |
| Cost of funding earning assets | 0.6649% | 1,897 |
| Net interest margin | 2.7714% | 4,296 |
| Noninterest income to average assets | 0.1321% | 4,623 |
| Noninterest expense to average assets | 2.2158% | 3,635 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.5641% | 3,860 |
| Return on assets (ROA) | 0.5971% | 3,877 |
| Pretax return on assets | 0.5971% | 4,090 |
| Return on Equity (ROE) | 5.1163% | 3,873 |
| Retained earnings to average equity (ytd only) | 2.4166% | 3,655 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7075% | 912 |
| Assets per employee ($millions) | 5.0634% | 3,325 |
| Cash dividends to net income (ytd only)* | 52.7660% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0551% | 528 |
| Loan loss allowance to noncurrent loans | 211.1111% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.2888% | 2,845 |
| Noncurrent loans to loans | 0.9735% | 1,452 |
| Net loans and leases to total assets | 29.0616% | 4,772 |
| Net loans and leases to deposits | 32.8827% | 4,804 |
| Net loans and leases to core deposits | 35.1844% | 4,789 |
| Total domestic deposits to total assets | 88.3798% | 1,287 |
| Equity capital to assets | 11.5536% | 1,844 |
| Core capital (leverage) ratio | 11.0918% | 1,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.8945% | 152 |
| Memoranda: | ||
| Average total assets | $39,354,400 | 4,779 |
| Average earning assets | $37,598,600 | 4,744 |
| Average equity | $4,593,200 | 4,794 |
| Average total loans | $12,760,600 | 4,845 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4907% | 4,223 |
| Cost of funding earning assets | 0.6826% | 2,132 |
| Net interest margin | 2.8081% | 4,331 |
| Noninterest income to average assets | 0.1331% | 4,628 |
| Noninterest expense to average assets | 2.1672% | 3,756 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.6758% | 3,538 |
| Return on assets (ROA) | 0.7201% | 3,490 |
| Pretax return on assets | 0.7201% | 3,858 |
| Return on Equity (ROE) | 6.1539% | 3,500 |
| Retained earnings to average equity (ytd only) | 2.5374% | 3,719 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2305% | 1,191 |
| Assets per employee ($millions) | 4.9269% | 3,345 |
| Cash dividends to net income (ytd only)* | 58.7678% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8948% | 595 |
| Loan loss allowance to noncurrent loans | 152.4691% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.4110% | 2,524 |
| Noncurrent loans to loans | 1.2427% | 1,221 |
| Net loans and leases to total assets | 32.4470% | 4,778 |
| Net loans and leases to deposits | 37.0545% | 4,809 |
| Net loans and leases to core deposits | 39.7384% | 4,787 |
| Total domestic deposits to total assets | 87.5656% | 1,412 |
| Equity capital to assets | 11.8229% | 1,785 |
| Core capital (leverage) ratio | 11.9574% | 1,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.6740% | 179 |
| Memoranda: | ||
| Average total assets | $39,066,250 | 4,807 |
| Average earning assets | $37,699,250 | 4,768 |
| Average equity | $4,571,500 | 4,819 |
| Average total loans | $12,946,000 | 4,874 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5062% | 4,398 |
| Cost of funding earning assets | 0.7097% | 2,333 |
| Net interest margin | 2.7965% | 4,457 |
| Noninterest income to average assets | 0.2105% | 4,224 |
| Noninterest expense to average assets | 2.2028% | 3,777 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7189% | 3,324 |
| Return on assets (ROA) | 0.7189% | 3,433 |
| Pretax return on assets | 0.7189% | 3,826 |
| Return on Equity (ROE) | 6.1647% | 3,449 |
| Retained earnings to average equity (ytd only) | 0.7045% | 4,158 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3954% | 1,319 |
| Assets per employee ($millions) | 4.2831% | 4,022 |
| Cash dividends to net income (ytd only)* | 88.5714% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8859% | 546 |
| Loan loss allowance to noncurrent loans | 140.3409% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 0.4566% | 2,489 |
| Noncurrent loans to loans | 1.3438% | 1,143 |
| Net loans and leases to total assets | 33.3351% | 4,795 |
| Net loans and leases to deposits | 38.0346% | 4,834 |
| Net loans and leases to core deposits | 40.8364% | 4,813 |
| Total domestic deposits to total assets | 87.6440% | 1,355 |
| Equity capital to assets | 11.9046% | 1,724 |
| Core capital (leverage) ratio | 11.5620% | 1,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.4708% | 191 |
| Memoranda: | ||
| Average total assets | $38,950,000 | 4,834 |
| Average earning assets | $37,761,333 | 4,793 |
| Average equity | $4,542,000 | 4,849 |
| Average total loans | $12,916,000 | 4,906 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4091% | 4,725 |
| Cost of funding earning assets | 0.7283% | 2,788 |
| Net interest margin | 2.6808% | 4,681 |
| Noninterest income to average assets | 0.2554% | 4,013 |
| Noninterest expense to average assets | 2.0842% | 4,249 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7663% | 3,034 |
| Return on assets (ROA) | 0.7663% | 3,112 |
| Pretax return on assets | 0.7663% | 3,503 |
| Return on Equity (ROE) | 6.6394% | 3,090 |
| Retained earnings to average equity (ytd only) | -4.3377% | 4,466 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1183% | 1,927 |
| Assets per employee ($millions) | 4.8083% | 2,866 |
| Cash dividends to net income (ytd only)* | 165.3333% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9581% | 539 |
| Loan loss allowance to noncurrent loans | 137.2222% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 0.4679% | 2,595 |
| Noncurrent loans to loans | 1.4270% | 1,114 |
| Net loans and leases to total assets | 32.1505% | 4,862 |
| Net loans and leases to deposits | 36.7388% | 4,899 |
| Net loans and leases to core deposits | 39.4368% | 4,882 |
| Total domestic deposits to total assets | 87.5110% | 1,327 |
| Equity capital to assets | 11.6752% | 2,305 |
| Core capital (leverage) ratio | 11.2109% | 2,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.6816% | 190 |
| Memoranda: | ||
| Average total assets | $39,151,000 | 4,866 |
| Average earning assets | $37,899,000 | 4,819 |
| Average equity | $4,518,500 | 4,894 |
| Average total loans | $12,825,500 | 4,945 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7460% | 4,633 |
| Cost of funding earning assets | 0.6722% | 3,301 |
| Net interest margin | 3.0738% | 4,410 |
| Noninterest income to average assets | 0.1556% | 4,713 |
| Noninterest expense to average assets | 2.5628% | 3,280 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.5501% | 4,286 |
| Return on assets (ROA) | 0.5501% | 4,345 |
| Pretax return on assets | 0.5501% | 4,491 |
| Return on Equity (ROE) | 4.5826% | 4,328 |
| Retained earnings to average equity (ytd only) | 1.8107% | 4,077 |
| Net charge-offs to loans | -0.0070% | 4,388 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3276% | 779 |
| Assets per employee ($millions) | 4.4262% | 3,337 |
| Cash dividends to net income (ytd only)* | 60.4878% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8946% | 561 |
| Loan loss allowance to noncurrent loans | 123.5000% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 0.5021% | 2,408 |
| Noncurrent loans to loans | 1.5341% | 934 |
| Net loans and leases to total assets | 32.1066% | 4,935 |
| Net loans and leases to deposits | 36.2899% | 4,974 |
| Net loans and leases to core deposits | 39.1395% | 4,958 |
| Total domestic deposits to total assets | 88.4727% | 899 |
| Equity capital to assets | 11.4118% | 2,609 |
| Core capital (leverage) ratio | 11.2542% | 2,290 |
| Tier 1 risk-based capital ratio | 25.2573% | 731 |
| Total risk-based capital ratio | 26.5058% | 716 |
| Memoranda: | ||
| Average total assets | $37,263,600 | 4,933 |
| Average earning assets | $35,851,400 | 4,897 |
| Average equity | $4,473,400 | 4,948 |
| Average total loans | $14,348,000 | 4,977 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8242% | 4,644 |
| Cost of funding earning assets | 0.6481% | 3,460 |
| Net interest margin | 3.1761% | 4,352 |
| Noninterest income to average assets | 0.1821% | 4,636 |
| Noninterest expense to average assets | 2.3811% | 3,741 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8520% | 3,514 |
| Return on assets (ROA) | 0.8520% | 3,595 |
| Pretax return on assets | 0.8520% | 4,001 |
| Return on Equity (ROE) | 7.0027% | 3,681 |
| Retained earnings to average equity (ytd only) | 3.2918% | 3,766 |
| Net charge-offs to loans | -0.0091% | 4,348 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6486% | 1,621 |
| Assets per employee ($millions) | 4.3262% | 3,446 |
| Cash dividends to net income (ytd only)* | 52.9921% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6911% | 837 |
| 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 | 36.8785% | 4,908 |
| Net loans and leases to deposits | 42.0999% | 4,956 |
| Net loans and leases to core deposits | 44.4469% | 4,951 |
| Total domestic deposits to total assets | 87.5976% | 1,220 |
| Equity capital to assets | 11.7603% | 2,446 |
| Core capital (leverage) ratio | 11.7774% | 2,018 |
| Tier 1 risk-based capital ratio | 23.9837% | 844 |
| Total risk-based capital ratio | 25.2309% | 828 |
| Memoranda: | ||
| Average total assets | $36,620,500 | 5,019 |
| Average earning assets | $35,179,000 | 4,984 |
| Average equity | $4,455,250 | 5,017 |
| Average total loans | $14,675,750 | 5,049 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7777% | 4,741 |
| Cost of funding earning assets | 0.6325% | 3,496 |
| Net interest margin | 3.1452% | 4,462 |
| Noninterest income to average assets | 0.1674% | 4,749 |
| Noninterest expense to average assets | 2.4269% | 3,666 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7643% | 3,775 |
| Return on assets (ROA) | 0.7643% | 3,841 |
| Pretax return on assets | 0.7643% | 4,186 |
| Return on Equity (ROE) | 6.2075% | 3,978 |
| Retained earnings to average equity (ytd only) | 0.5890% | 4,541 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0490% | 1,391 |
| Assets per employee ($millions) | 4.3494% | 3,369 |
| Cash dividends to net income (ytd only)* | 90.5109% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7086% | 799 |
| Loan loss allowance to noncurrent loans | 187.7863% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.3347% | 3,194 |
| Noncurrent loans to loans | 0.9098% | 1,802 |
| Net loans and leases to total assets | 36.1528% | 4,972 |
| Net loans and leases to deposits | 41.0262% | 5,029 |
| Net loans and leases to core deposits | 43.2743% | 5,010 |
| Total domestic deposits to total assets | 88.1211% | 1,044 |
| Equity capital to assets | 11.4344% | 2,666 |
| Core capital (leverage) ratio | 12.5205% | 1,529 |
| Tier 1 risk-based capital ratio | 21.3982% | 1,131 |
| Total risk-based capital ratio | 22.5883% | 1,117 |
| Memoranda: | ||
| Average total assets | $35,848,670 | 5,071 |
| Average earning assets | $34,465,000 | 5,035 |
| Average equity | $4,414,000 | 5,054 |
| Average total loans | $14,699,000 | 5,093 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8886% | 4,570 |
| Cost of funding earning assets | 0.6461% | 3,338 |
| Net interest margin | 3.2425% | 4,298 |
| Noninterest income to average assets | 0.1871% | 4,631 |
| Noninterest expense to average assets | 2.4093% | 3,750 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8889% | 3,278 |
| Return on assets (ROA) | 0.8889% | 3,331 |
| Pretax return on assets | 0.8889% | 3,802 |
| Return on Equity (ROE) | 6.9359% | 3,704 |
| Retained earnings to average equity (ytd only) | -4.3806% | 4,896 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0496% | 1,876 |
| Assets per employee ($millions) | 3.7611% | 4,258 |
| Cash dividends to net income (ytd only)* | 163.1579% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6565% | 948 |
| Loan loss allowance to noncurrent loans | 72.1408% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 1.0074% | 1,390 |
| Noncurrent loans to loans | 2.2961% | 596 |
| Net loans and leases to total assets | 43.1462% | 4,779 |
| Net loans and leases to deposits | 49.7530% | 4,821 |
| Net loans and leases to core deposits | 52.3777% | 4,831 |
| Total domestic deposits to total assets | 86.7208% | 1,947 |
| Equity capital to assets | 12.9572% | 1,479 |
| Core capital (leverage) ratio | 12.9287% | 1,309 |
| Tier 1 risk-based capital ratio | 27.9741% | 561 |
| Total risk-based capital ratio | 29.2247% | 545 |
| Memoranda: | ||
| Average total assets | $34,200,500 | 5,144 |
| Average earning assets | $32,814,000 | 5,118 |
| Average equity | $4,383,000 | 5,104 |
| Average total loans | $14,849,500 | 5,152 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7689% | 4,556 |
| Cost of funding earning assets | 0.5061% | 3,309 |
| Net interest margin | 3.2628% | 4,353 |
| Noninterest income to average assets | 0.1887% | 4,776 |
| Noninterest expense to average assets | 2.6817% | 3,090 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6404% | 4,313 |
| Return on assets (ROA) | 0.6404% | 4,317 |
| Pretax return on assets | 0.6404% | 4,558 |
| Return on Equity (ROE) | 5.1773% | 4,416 |
| Retained earnings to average equity (ytd only) | 2.2882% | 4,237 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7229% | 899 |
| Assets per employee ($millions) | 3.4551% | 4,602 |
| Cash dividends to net income (ytd only)* | 55.8036% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6568% | 912 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.2373% | 3,651 |
| Noncurrent loans to loans | 0.5523% | 2,616 |
| Net loans and leases to total assets | 42.2622% | 4,873 |
| Net loans and leases to deposits | 48.4537% | 4,925 |
| Net loans and leases to core deposits | 50.9277% | 4,917 |
| Total domestic deposits to total assets | 87.2218% | 1,674 |
| Equity capital to assets | 12.6769% | 1,499 |
| Core capital (leverage) ratio | 12.5831% | 1,416 |
| Tier 1 risk-based capital ratio | 27.0386% | 613 |
| Total risk-based capital ratio | 28.2894% | 601 |
| Memoranda: | ||
| Average total assets | $34,978,000 | 5,172 |
| Average earning assets | $33,590,400 | 5,144 |
| Average equity | $4,326,600 | 5,133 |
| Average total loans | $15,252,400 | 5,189 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7276% | 4,600 |
| Cost of funding earning assets | 0.4669% | 3,409 |
| Net interest margin | 3.2607% | 4,382 |
| Noninterest income to average assets | 0.1520% | 5,019 |
| Noninterest expense to average assets | 2.4512% | 3,731 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8322% | 3,809 |
| Return on assets (ROA) | 0.8322% | 3,816 |
| Pretax return on assets | 0.8322% | 4,217 |
| Return on Equity (ROE) | 6.7696% | 4,008 |
| Retained earnings to average equity (ytd only) | 2.9057% | 4,270 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6528% | 1,503 |
| Assets per employee ($millions) | 3.1478% | 4,926 |
| Cash dividends to net income (ytd only)* | 57.0773% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5828% | 1,119 |
| Loan loss allowance to noncurrent loans | 615.0000% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.1155% | 4,395 |
| Noncurrent loans to loans | 0.2574% | 3,768 |
| Net loans and leases to total assets | 44.1749% | 4,877 |
| Net loans and leases to deposits | 51.2326% | 4,909 |
| Net loans and leases to core deposits | 55.2063% | 4,865 |
| Total domestic deposits to total assets | 86.2242% | 2,087 |
| Equity capital to assets | 12.5830% | 1,531 |
| Core capital (leverage) ratio | 12.7173% | 1,408 |
| Tier 1 risk-based capital ratio | 27.3489% | 606 |
| Total risk-based capital ratio | 28.5972% | 598 |
| Memoranda: | ||
| Average total assets | $35,084,750 | 5,240 |
| Average earning assets | $33,693,750 | 5,205 |
| Average equity | $4,313,250 | 5,200 |
| Average total loans | $15,353,500 | 5,250 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6316% | 4,712 |
| Cost of funding earning assets | 0.4015% | 3,710 |
| Net interest margin | 3.2301% | 4,438 |
| Noninterest income to average assets | 0.1476% | 5,088 |
| Noninterest expense to average assets | 2.4917% | 3,655 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7605% | 3,991 |
| Return on assets (ROA) | 0.7605% | 3,996 |
| Pretax return on assets | 0.7605% | 4,365 |
| Return on Equity (ROE) | 6.2345% | 4,157 |
| Retained earnings to average equity (ytd only) | 0.4187% | 4,883 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6143% | 1,358 |
| Assets per employee ($millions) | 3.1754% | 4,951 |
| Cash dividends to net income (ytd only)* | 93.2836% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5652% | 1,194 |
| Loan loss allowance to noncurrent loans | 559.0909% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.1260% | 4,368 |
| Noncurrent loans to loans | 0.2800% | 3,700 |
| Net loans and leases to total assets | 44.2927% | 4,886 |
| Net loans and leases to deposits | 50.6913% | 4,958 |
| Net loans and leases to core deposits | 54.5291% | 4,917 |
| Total domestic deposits to total assets | 87.3773% | 1,694 |
| Equity capital to assets | 12.3078% | 1,655 |
| Core capital (leverage) ratio | 12.4874% | 1,446 |
| Tier 1 risk-based capital ratio | 26.5830% | 631 |
| Total risk-based capital ratio | 27.8321% | 626 |
| Memoranda: | ||
| Average total assets | $35,237,670 | 5,301 |
| Average earning assets | $33,869,000 | 5,263 |
| Average equity | $4,298,670 | 5,262 |
| Average total loans | $15,290,670 | 5,312 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6000% | 4,706 |
| Cost of funding earning assets | 0.3765% | 3,762 |
| Net interest margin | 3.2235% | 4,390 |
| Noninterest income to average assets | 0.1695% | 5,007 |
| Noninterest expense to average assets | 2.4299% | 3,863 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8363% | 3,572 |
| Return on assets (ROA) | 0.8363% | 3,586 |
| Pretax return on assets | 0.8363% | 4,064 |
| Return on Equity (ROE) | 6.8861% | 3,829 |
| Retained earnings to average equity (ytd only) | -4.7458% | 5,190 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3945% | 1,843 |
| Assets per employee ($millions) | 3.1455% | 5,046 |
| Cash dividends to net income (ytd only)* | 168.9189% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6117% | 1,131 |
| Loan loss allowance to noncurrent loans | 102.9289% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 0.6907% | 2,255 |
| Noncurrent loans to loans | 1.5659% | 1,116 |
| Net loans and leases to total assets | 43.4005% | 4,923 |
| Net loans and leases to deposits | 49.5709% | 4,979 |
| Net loans and leases to core deposits | 51.3630% | 5,001 |
| Total domestic deposits to total assets | 87.5524% | 1,872 |
| Equity capital to assets | 12.2713% | 1,622 |
| Core capital (leverage) ratio | 12.0989% | 1,590 |
| Tier 1 risk-based capital ratio | 27.1678% | 606 |
| Total risk-based capital ratio | 28.4175% | 599 |
| Memoranda: | ||
| Average total assets | $35,392,000 | 5,356 |
| Average earning assets | $34,000,000 | 5,313 |
| Average equity | $4,298,500 | 5,313 |
| Average total loans | $15,077,500 | 5,376 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6656% | 4,418 |
| Cost of funding earning assets | 0.4030% | 3,224 |
| Net interest margin | 3.2626% | 4,279 |
| Noninterest income to average assets | 0.1431% | 5,231 |
| Noninterest expense to average assets | 2.6472% | 3,289 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6468% | 3,829 |
| Return on assets (ROA) | 0.6468% | 3,866 |
| Pretax return on assets | 0.6468% | 4,635 |
| Return on Equity (ROE) | 5.2262% | 4,075 |
| Retained earnings to average equity (ytd only) | 2.3356% | 3,925 |
| Net charge-offs to loans | -0.1646% | 5,483 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3649% | 1,072 |
| Assets per employee ($millions) | 3.6183% | 4,544 |
| Cash dividends to net income (ytd only)* | 55.3097% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6519% | 1,031 |
| Loan loss allowance to noncurrent loans | 473.0769% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.1437% | 4,429 |
| Noncurrent loans to loans | 0.3492% | 3,511 |
| Net loans and leases to total assets | 40.4776% | 5,118 |
| Net loans and leases to deposits | 46.0378% | 5,193 |
| Net loans and leases to core deposits | 47.6200% | 5,202 |
| Total domestic deposits to total assets | 87.9225% | 1,545 |
| Equity capital to assets | 12.0250% | 1,817 |
| Core capital (leverage) ratio | 11.7360% | 1,772 |
| Tier 1 risk-based capital ratio | 24.7389% | 747 |
| Total risk-based capital ratio | 25.9899% | 731 |
| Memoranda: | ||
| Average total assets | $34,942,000 | 5,414 |
| Average earning assets | $33,745,800 | 5,370 |
| Average equity | $4,324,400 | 5,370 |
| Average total loans | $14,579,400 | 5,448 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6872% | 4,359 |
| Cost of funding earning assets | 0.4017% | 3,174 |
| Net interest margin | 3.2855% | 4,213 |
| Noninterest income to average assets | 0.1463% | 5,276 |
| Noninterest expense to average assets | 2.3446% | 4,170 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9817% | 2,635 |
| Return on assets (ROA) | 0.9817% | 2,691 |
| Pretax return on assets | 0.9817% | 3,758 |
| Return on Equity (ROE) | 7.8742% | 3,192 |
| Retained earnings to average equity (ytd only) | 4.0144% | 3,535 |
| Net charge-offs to loans | -0.2207% | 5,562 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4861% | 2,459 |
| Assets per employee ($millions) | 3.9504% | 4,072 |
| Cash dividends to net income (ytd only)* | 49.0191% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5876% | 1,269 |
| Loan loss allowance to noncurrent loans | 45.3039% | 4,631 |
| Noncurrent assets plus other real estate owned to assets | 1.5273% | 988 |
| Noncurrent loans to loans | 3.5044% | 315 |
| Net loans and leases to total assets | 42.8897% | 5,083 |
| Net loans and leases to deposits | 49.2507% | 5,148 |
| Net loans and leases to core deposits | 52.6518% | 5,119 |
| Total domestic deposits to total assets | 87.0844% | 1,839 |
| Equity capital to assets | 12.4937% | 1,658 |
| Core capital (leverage) ratio | 12.2761% | 1,527 |
| Tier 1 risk-based capital ratio | 24.9770% | 756 |
| Total risk-based capital ratio | 26.2319% | 739 |
| Memoranda: | ||
| Average total assets | $34,631,750 | 5,479 |
| Average earning assets | $33,520,250 | 5,433 |
| Average equity | $4,317,750 | 5,431 |
| Average total loans | $14,501,250 | 5,509 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6384% | 4,399 |
| Cost of funding earning assets | 0.4023% | 3,047 |
| Net interest margin | 3.2361% | 4,308 |
| Noninterest income to average assets | 0.1515% | 5,302 |
| Noninterest expense to average assets | 2.3831% | 4,098 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9090% | 2,870 |
| Return on assets (ROA) | 0.9090% | 2,918 |
| Pretax return on assets | 0.9090% | 3,901 |
| Return on Equity (ROE) | 7.2960% | 3,400 |
| Retained earnings to average equity (ytd only) | 1.4498% | 4,664 |
| Net charge-offs to loans | -0.3387% | 5,656 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3894% | 2,279 |
| Assets per employee ($millions) | 4.3860% | 3,291 |
| Cash dividends to net income (ytd only)* | 80.1282% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6854% | 1,090 |
| Loan loss allowance to noncurrent loans | 416.9492% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.1681% | 4,514 |
| Noncurrent loans to loans | 0.4042% | 3,581 |
| Net loans and leases to total assets | 40.8972% | 5,196 |
| Net loans and leases to deposits | 46.8510% | 5,257 |
| Net loans and leases to core deposits | 50.1222% | 5,219 |
| Total domestic deposits to total assets | 87.2920% | 1,808 |
| Equity capital to assets | 12.4031% | 1,668 |
| Core capital (leverage) ratio | 12.3220% | 1,463 |
| Tier 1 risk-based capital ratio | 25.1185% | 737 |
| Total risk-based capital ratio | 26.3744% | 725 |
| Memoranda: | ||
| Average total assets | $34,324,330 | 5,531 |
| Average earning assets | $33,311,330 | 5,485 |
| Average equity | $4,276,330 | 5,477 |
| Average total loans | $14,170,000 | 5,566 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6853% | 4,154 |
| Cost of funding earning assets | 0.4149% | 2,857 |
| Net interest margin | 3.2704% | 4,114 |
| Noninterest income to average assets | 0.1650% | 5,285 |
| Noninterest expense to average assets | 2.3923% | 4,134 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9310% | 2,606 |
| Return on assets (ROA) | 0.9310% | 2,661 |
| Pretax return on assets | 0.9310% | 3,655 |
| Return on Equity (ROE) | 7.4555% | 3,182 |
| Retained earnings to average equity (ytd only) | -4.3412% | 5,345 |
| Net charge-offs to loans | -0.6878% | 5,764 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9858% | 2,578 |
| Assets per employee ($millions) | 3.3899% | 4,945 |
| Cash dividends to net income (ytd only)* | 158.2278% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7253% | 1,099 |
| Loan loss allowance to noncurrent loans | 193.7008% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 0.3746% | 3,703 |
| Noncurrent loans to loans | 0.8907% | 2,242 |
| Net loans and leases to total assets | 41.3346% | 5,193 |
| Net loans and leases to deposits | 47.3314% | 5,248 |
| Net loans and leases to core deposits | 50.7589% | 5,193 |
| Total domestic deposits to total assets | 87.3300% | 2,059 |
| Equity capital to assets | 12.4812% | 1,553 |
| Core capital (leverage) ratio | 12.3297% | 1,431 |
| Tier 1 risk-based capital ratio | 27.7219% | 576 |
| Total risk-based capital ratio | 28.9805% | 567 |
| Memoranda: | ||
| Average total assets | $33,942,500 | 5,603 |
| Average earning assets | $32,779,000 | 5,559 |
| Average equity | $4,238,500 | 5,537 |
| Average total loans | $13,957,000 | 5,637 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5368% | 4,674 |
| Cost of funding earning assets | 0.4145% | 2,867 |
| Net interest margin | 3.1223% | 4,665 |
| Noninterest income to average assets | 0.2191% | 5,101 |
| Noninterest expense to average assets | 2.5430% | 3,864 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6948% | 3,804 |
| Return on assets (ROA) | 0.6948% | 3,913 |
| Pretax return on assets | 0.6948% | 4,504 |
| Return on Equity (ROE) | 5.6581% | 4,132 |
| Retained earnings to average equity (ytd only) | 3.0286% | 3,741 |
| Net charge-offs to loans | 0.2012% | 1,383 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 9.6400% | 2,732 |
| Efficiency ratio | 78.5396% | 1,618 |
| Assets per employee ($millions) | 3.7762% | 4,352 |
| Cash dividends to net income (ytd only)* | 46.4730% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6257% | 1,312 |
| Loan loss allowance to noncurrent loans | 170.7692% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 0.3825% | 3,741 |
| Noncurrent loans to loans | 0.9520% | 2,181 |
| Net loans and leases to total assets | 39.5280% | 5,333 |
| Net loans and leases to deposits | 45.8937% | 5,369 |
| Net loans and leases to core deposits | 47.6045% | 5,383 |
| Total domestic deposits to total assets | 86.1296% | 2,519 |
| Equity capital to assets | 12.4934% | 1,529 |
| Core capital (leverage) ratio | 12.3536% | 1,402 |
| Tier 1 risk-based capital ratio | 28.7078% | 531 |
| Total risk-based capital ratio | 29.9625% | 524 |
| Memoranda: | ||
| Average total assets | $34,683,800 | 5,638 |
| Average earning assets | $33,532,800 | 5,599 |
| Average equity | $4,259,400 | 5,600 |
| Average total loans | $12,426,200 | 5,721 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5512% | 4,676 |
| Cost of funding earning assets | 0.4231% | 2,806 |
| Net interest margin | 3.1281% | 4,702 |
| Noninterest income to average assets | 0.1683% | 5,424 |
| Noninterest expense to average assets | 2.4977% | 3,991 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6961% | 3,875 |
| Return on assets (ROA) | 0.6961% | 4,004 |
| Pretax return on assets | 0.6961% | 4,621 |
| Return on Equity (ROE) | 5.6926% | 4,219 |
| Retained earnings to average equity (ytd only) | 2.1894% | 4,599 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2036% | 1,662 |
| Assets per employee ($millions) | 4.2195% | 3,559 |
| Cash dividends to net income (ytd only)* | 61.5388% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8990% | 854 |
| Loan loss allowance to noncurrent loans | 184.3284% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.3970% | 3,838 |
| Noncurrent loans to loans | 1.0302% | 2,187 |
| Net loans and leases to total assets | 37.8007% | 5,475 |
| Net loans and leases to deposits | 43.7526% | 5,520 |
| Net loans and leases to core deposits | 47.0606% | 5,477 |
| Total domestic deposits to total assets | 86.3965% | 2,168 |
| Equity capital to assets | 12.8659% | 1,565 |
| Core capital (leverage) ratio | 11.9525% | 1,710 |
| Tier 1 risk-based capital ratio | 29.3378% | 505 |
| Total risk-based capital ratio | 30.5958% | 503 |
| Memoranda: | ||
| Average total assets | $34,858,250 | 5,696 |
| Average earning assets | $33,715,250 | 5,651 |
| Average equity | $4,262,750 | 5,659 |
| Average total loans | $12,118,750 | 5,788 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4449% | 4,990 |
| Cost of funding earning assets | 0.4115% | 2,926 |
| Net interest margin | 3.0334% | 5,011 |
| Noninterest income to average assets | 0.1817% | 5,406 |
| Noninterest expense to average assets | 2.4528% | 4,170 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6586% | 4,003 |
| Return on assets (ROA) | 0.6586% | 4,147 |
| Pretax return on assets | 0.6586% | 4,745 |
| Return on Equity (ROE) | 5.4769% | 4,298 |
| Retained earnings to average equity (ytd only) | 0.1889% | 5,247 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8321% | 1,668 |
| Assets per employee ($millions) | 3.9583% | 3,987 |
| Cash dividends to net income (ytd only)* | 96.5517% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9094% | 879 |
| Loan loss allowance to noncurrent loans | 106.0086% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 0.6540% | 3,043 |
| Noncurrent loans to loans | 1.8012% | 1,146 |
| Net loans and leases to total assets | 35.6182% | 5,624 |
| Net loans and leases to deposits | 41.4159% | 5,639 |
| Net loans and leases to core deposits | 44.3858% | 5,614 |
| Total domestic deposits to total assets | 86.0014% | 2,421 |
| Equity capital to assets | 12.0814% | 2,074 |
| Core capital (leverage) ratio | 11.7958% | 1,778 |
| Tier 1 risk-based capital ratio | 28.1608% | 581 |
| Total risk-based capital ratio | 29.4085% | 572 |
| Memoranda: | ||
| Average total assets | $35,225,670 | 5,762 |
| Average earning assets | $34,021,330 | 5,708 |
| Average equity | $4,236,000 | 5,723 |
| Average total loans | $11,822,670 | 5,866 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4013% | 5,126 |
| Cost of funding earning assets | 0.4134% | 2,920 |
| Net interest margin | 2.9879% | 5,147 |
| Noninterest income to average assets | 0.1599% | 5,534 |
| Noninterest expense to average assets | 2.4439% | 4,243 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6053% | 4,155 |
| Return on assets (ROA) | 0.6053% | 4,274 |
| Pretax return on assets | 0.6053% | 4,808 |
| Return on Equity (ROE) | 5.0452% | 4,461 |
| Retained earnings to average equity (ytd only) | -5.6164% | 5,634 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1498% | 1,590 |
| Assets per employee ($millions) | 3.8332% | 4,241 |
| Cash dividends to net income (ytd only)* | 211.3208% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1120% | 674 |
| Loan loss allowance to noncurrent loans | 138.7640% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 0.5160% | 3,533 |
| Noncurrent loans to loans | 1.5220% | 1,538 |
| Net loans and leases to total assets | 33.1836% | 5,744 |
| Net loans and leases to deposits | 39.2795% | 5,735 |
| Net loans and leases to core deposits | 40.7460% | 5,753 |
| Total domestic deposits to total assets | 84.4807% | 3,323 |
| Equity capital to assets | 12.1511% | 1,917 |
| Core capital (leverage) ratio | 11.6320% | 1,884 |
| Tier 1 risk-based capital ratio | 30.3433% | 494 |
| Total risk-based capital ratio | 31.5881% | 483 |
| Memoranda: | ||
| Average total assets | $35,026,000 | 5,820 |
| Average earning assets | $33,869,500 | 5,765 |
| Average equity | $4,202,000 | 5,774 |
| Average total loans | $11,266,000 | 5,936 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4466% | 5,050 |
| Cost of funding earning assets | 0.4762% | 2,382 |
| Net interest margin | 2.9704% | 5,207 |
| Noninterest income to average assets | 0.1489% | 5,668 |
| Noninterest expense to average assets | 2.3913% | 4,532 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6157% | 4,197 |
| Return on assets (ROA) | 0.6157% | 4,294 |
| Pretax return on assets | 0.6157% | 4,792 |
| Return on Equity (ROE) | 5.2061% | 4,404 |
| Retained earnings to average equity (ytd only) | 2.7846% | 4,093 |
| Net charge-offs to loans | 0.0445% | 3,324 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 1,107 |
| Efficiency ratio | 79.5238% | 1,742 |
| Assets per employee ($millions) | 3.9503% | 4,027 |
| Cash dividends to net income (ytd only)* | 46.5116% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2792% | 534 |
| Loan loss allowance to noncurrent loans | 147.0238% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 0.4725% | 3,733 |
| Noncurrent loans to loans | 1.5502% | 1,485 |
| Net loans and leases to total assets | 29.7865% | 5,895 |
| Net loans and leases to deposits | 33.8101% | 5,935 |
| Net loans and leases to core deposits | 35.5703% | 5,930 |
| Total domestic deposits to total assets | 88.0995% | 1,578 |
| Equity capital to assets | 11.8471% | 2,074 |
| Core capital (leverage) ratio | 11.4667% | 1,984 |
| Tier 1 risk-based capital ratio | 31.0201% | 463 |
| Total risk-based capital ratio | 32.2666% | 461 |
| Memoranda: | ||
| Average total assets | $34,918,800 | 5,873 |
| Average earning assets | $33,598,000 | 5,825 |
| Average equity | $4,129,800 | 5,832 |
| Average total loans | $11,231,800 | 5,987 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4987% | 4,987 |
| Cost of funding earning assets | 0.4901% | 2,315 |
| Net interest margin | 3.0085% | 5,167 |
| Noninterest income to average assets | 0.1534% | 5,718 |
| Noninterest expense to average assets | 2.4050% | 4,498 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6444% | 4,161 |
| Return on assets (ROA) | 0.6444% | 4,271 |
| Pretax return on assets | 0.6444% | 4,849 |
| Return on Equity (ROE) | 5.4509% | 4,426 |
| Retained earnings to average equity (ytd only) | 2.2062% | 4,777 |
| Net charge-offs to loans | 0.0589% | 2,763 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 33.5817% | 1,387 |
| Efficiency ratio | 78.8679% | 1,829 |
| Assets per employee ($millions) | 3.8666% | 4,146 |
| Cash dividends to net income (ytd only)* | 59.5250% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1200% | 746 |
| Loan loss allowance to noncurrent loans | 140.3409% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 0.5058% | 3,809 |
| Noncurrent loans to loans | 1.5106% | 1,665 |
| Net loans and leases to total assets | 32.7711% | 5,899 |
| Net loans and leases to deposits | 38.5713% | 5,912 |
| Net loans and leases to core deposits | 40.7053% | 5,899 |
| Total domestic deposits to total assets | 84.9622% | 3,030 |
| Equity capital to assets | 12.0032% | 2,107 |
| Core capital (leverage) ratio | 11.6591% | 1,915 |
| Tier 1 risk-based capital ratio | 29.3053% | 558 |
| Total risk-based capital ratio | 30.5479% | 550 |
| Memoranda: | ||
| Average total assets | $34,760,250 | 5,954 |
| Average earning assets | $33,459,750 | 5,901 |
| Average equity | $4,109,250 | 5,913 |
| Average total loans | $11,330,500 | 6,064 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4532% | 5,094 |
| Cost of funding earning assets | 0.4907% | 2,343 |
| Net interest margin | 2.9624% | 5,312 |
| Noninterest income to average assets | 0.1612% | 5,740 |
| Noninterest expense to average assets | 2.3887% | 4,583 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6216% | 4,255 |
| Return on assets (ROA) | 0.6216% | 4,368 |
| Pretax return on assets | 0.6216% | 4,925 |
| Return on Equity (ROE) | 5.2855% | 4,498 |
| Retained earnings to average equity (ytd only) | 0.3915% | 5,391 |
| Net charge-offs to loans | 0.0891% | 2,137 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 21.6000% | 1,670 |
| Efficiency ratio | 79.3499% | 1,859 |
| Assets per employee ($millions) | 4.3524% | 3,208 |
| Cash dividends to net income (ytd only)* | 92.5926% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1948% | 737 |
| Loan loss allowance to noncurrent loans | 107.8603% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 0.6577% | 3,430 |
| Noncurrent loans to loans | 2.0348% | 1,188 |
| Net loans and leases to total assets | 31.6121% | 5,993 |
| Net loans and leases to deposits | 35.9295% | 6,037 |
| Net loans and leases to core deposits | 38.4323% | 6,007 |
| Total domestic deposits to total assets | 87.9836% | 1,662 |
| Equity capital to assets | 11.6890% | 2,262 |
| Core capital (leverage) ratio | 11.2067% | 2,241 |
| Tier 1 risk-based capital ratio | 30.5404% | 515 |
| Total risk-based capital ratio | 31.8087% | 503 |
| Memoranda: | ||
| Average total assets | $34,747,330 | 6,020 |
| Average earning assets | $33,418,330 | 5,968 |
| Average equity | $4,086,670 | 5,980 |
| Average total loans | $11,223,670 | 6,137 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5396% | 4,858 |
| Cost of funding earning assets | 0.5039% | 2,251 |
| Net interest margin | 3.0356% | 5,110 |
| Noninterest income to average assets | 0.1959% | 5,540 |
| Noninterest expense to average assets | 2.5006% | 4,258 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6107% | 4,240 |
| Return on assets (ROA) | 0.6107% | 4,330 |
| Pretax return on assets | 0.6107% | 4,889 |
| Return on Equity (ROE) | 5.1770% | 4,444 |
| Retained earnings to average equity (ytd only) | -4.5910% | 5,904 |
| Net charge-offs to loans | 0.1784% | 1,215 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 10.6000% | 1,923 |
| Efficiency ratio | 80.3704% | 1,852 |
| Assets per employee ($millions) | 4.3726% | 3,245 |
| Cash dividends to net income (ytd only)* | 188.6792% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2393% | 762 |
| Loan loss allowance to noncurrent loans | 133.5135% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 0.5289% | 3,910 |
| Noncurrent loans to loans | 1.6772% | 1,648 |
| Net loans and leases to total assets | 30.8253% | 6,044 |
| Net loans and leases to deposits | 35.0063% | 6,092 |
| Net loans and leases to core deposits | 36.7920% | 6,080 |
| Total domestic deposits to total assets | 88.0564% | 1,789 |
| Equity capital to assets | 11.7378% | 2,253 |
| Core capital (leverage) ratio | 11.3155% | 2,145 |
| Tier 1 risk-based capital ratio | 24.0619% | 989 |
| Total risk-based capital ratio | 25.5788% | 938 |
| Memoranda: | ||
| Average total assets | $34,711,500 | 6,086 |
| Average earning assets | $33,337,500 | 6,030 |
| Average equity | $4,095,000 | 6,035 |
| Average total loans | $11,208,500 | 6,199 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6020% | 5,076 |
| Cost of funding earning assets | 0.5481% | 2,217 |
| Net interest margin | 3.0538% | 5,305 |
| Noninterest income to average assets | 0.1433% | 5,979 |
| Noninterest expense to average assets | 2.5231% | 4,473 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5847% | 4,447 |
| Return on assets (ROA) | 0.5847% | 4,523 |
| Pretax return on assets | 0.5847% | 4,988 |
| Return on Equity (ROE) | 5.0666% | 4,626 |
| Retained earnings to average equity (ytd only) | 2.4320% | 4,500 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1853% | 1,750 |
| Assets per employee ($millions) | 3.8269% | 4,298 |
| Cash dividends to net income (ytd only)* | 52.0000% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2130% | 808 |
| Loan loss allowance to noncurrent loans | 198.4252% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.3687% | 4,590 |
| Noncurrent loans to loans | 1.1153% | 2,606 |
| Net loans and leases to total assets | 32.3297% | 6,103 |
| Net loans and leases to deposits | 36.7128% | 6,146 |
| Net loans and leases to core deposits | 38.6136% | 6,134 |
| Total domestic deposits to total assets | 88.0611% | 1,736 |
| Equity capital to assets | 11.8576% | 2,123 |
| Core capital (leverage) ratio | 11.3891% | 2,062 |
| Tier 1 risk-based capital ratio | 18.3107% | 2,051 |
| Total risk-based capital ratio | 19.4745% | 2,032 |
| Memoranda: | ||
| Average total assets | $34,203,800 | 6,172 |
| Average earning assets | $33,204,200 | 6,113 |
| Average equity | $3,947,400 | 6,099 |
| Average total loans | $11,117,000 | 6,281 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5942% | 5,155 |
| Cost of funding earning assets | 0.5548% | 2,242 |
| Net interest margin | 3.0393% | 5,405 |
| Noninterest income to average assets | 0.1445% | 6,050 |
| Noninterest expense to average assets | 2.4523% | 4,663 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6443% | 4,241 |
| Return on assets (ROA) | 0.6443% | 4,339 |
| Pretax return on assets | 0.6443% | 4,897 |
| Return on Equity (ROE) | 5.6217% | 4,433 |
| Retained earnings to average equity (ytd only) | 2.0783% | 5,010 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1929% | 2,027 |
| Assets per employee ($millions) | 3.8217% | 4,243 |
| Cash dividends to net income (ytd only)* | 63.0301% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2327% | 898 |
| Loan loss allowance to noncurrent loans | 201.6000% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 0.3634% | 4,835 |
| Noncurrent loans to loans | 1.1075% | 2,855 |
| Net loans and leases to total assets | 32.0832% | 6,180 |
| Net loans and leases to deposits | 36.5337% | 6,227 |
| Net loans and leases to core deposits | 41.3466% | 6,143 |
| Total domestic deposits to total assets | 87.8180% | 1,855 |
| Equity capital to assets | 11.7023% | 2,304 |
| Core capital (leverage) ratio | 11.3136% | 2,205 |
| Tier 1 risk-based capital ratio | 18.1667% | 2,158 |
| Total risk-based capital ratio | 19.3316% | 2,146 |
| Memoranda: | ||
| Average total assets | $34,144,250 | 6,249 |
| Average earning assets | $33,164,000 | 6,186 |
| Average equity | $3,913,250 | 6,173 |
| Average total loans | $11,049,500 | 6,357 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5625% | 5,256 |
| Cost of funding earning assets | 0.5625% | 2,240 |
| Net interest margin | 3.0000% | 5,527 |
| Noninterest income to average assets | 0.1468% | 6,082 |
| Noninterest expense to average assets | 2.4486% | 4,742 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6107% | 4,307 |
| Return on assets (ROA) | 0.6107% | 4,399 |
| Pretax return on assets | 0.6107% | 4,922 |
| Return on Equity (ROE) | 5.3664% | 4,501 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,678 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0384% | 2,023 |
| Assets per employee ($millions) | 3.4385% | 4,977 |
| Cash dividends to net income (ytd only)* | 100.0000% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1934% | 1,035 |
| Loan loss allowance to noncurrent loans | 210.0000% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.3490% | 4,981 |
| Noncurrent loans to loans | 1.0445% | 3,143 |
| Net loans and leases to total assets | 32.6799% | 6,212 |
| Net loans and leases to deposits | 37.1201% | 6,260 |
| Net loans and leases to core deposits | 41.9981% | 6,150 |
| Total domestic deposits to total assets | 88.0384% | 1,877 |
| Equity capital to assets | 11.5457% | 2,377 |
| Core capital (leverage) ratio | 11.4096% | 2,079 |
| Tier 1 risk-based capital ratio | 17.7762% | 2,318 |
| Total risk-based capital ratio | 18.9341% | 2,327 |
| Memoranda: | ||
| Average total assets | $34,060,670 | 6,308 |
| Average earning assets | $33,066,670 | 6,247 |
| Average equity | $3,876,000 | 6,226 |
| Average total loans | $10,970,330 | 6,416 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4863% | 5,461 |
| Cost of funding earning assets | 0.5466% | 2,452 |
| Net interest margin | 2.9397% | 5,670 |
| Noninterest income to average assets | 0.1770% | 5,909 |
| Noninterest expense to average assets | 2.5252% | 4,538 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5074% | 4,654 |
| Return on assets (ROA) | 0.5074% | 4,735 |
| Pretax return on assets | 0.5074% | 5,150 |
| Return on Equity (ROE) | 4.4920% | 4,792 |
| Retained earnings to average equity (ytd only) | -6.3724% | 6,197 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2685% | 1,758 |
| Assets per employee ($millions) | 3.0630% | 5,752 |
| Cash dividends to net income (ytd only)* | 241.8605% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3488% | 964 |
| Loan loss allowance to noncurrent loans | 168.0000% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 0.4452% | 4,800 |
| Noncurrent loans to loans | 1.3981% | 2,688 |
| Net loans and leases to total assets | 31.0955% | 6,300 |
| Net loans and leases to deposits | 35.9590% | 6,321 |
| Net loans and leases to core deposits | 36.6418% | 6,346 |
| Total domestic deposits to total assets | 86.4749% | 3,127 |
| Equity capital to assets | 11.3763% | 2,354 |
| Core capital (leverage) ratio | 11.4138% | 2,034 |
| Tier 1 risk-based capital ratio | 18.1040% | 2,251 |
| Total risk-based capital ratio | 19.3021% | 2,251 |
| Memoranda: | ||
| Average total assets | $33,898,500 | 6,376 |
| Average earning assets | $32,928,500 | 6,315 |
| Average equity | $3,829,000 | 6,284 |
| Average total loans | $10,711,000 | 6,495 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8097% | 4,783 |
| Cost of funding earning assets | 0.6397% | 2,299 |
| Net interest margin | 3.1700% | 5,091 |
| Noninterest income to average assets | 0.1416% | 6,234 |
| Noninterest expense to average assets | 2.5878% | 4,508 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5844% | 4,340 |
| Return on assets (ROA) | 0.5844% | 4,447 |
| Pretax return on assets | 0.5844% | 4,916 |
| Return on Equity (ROE) | 5.0160% | 4,623 |
| Retained earnings to average equity (ytd only) | 0.9308% | 5,416 |
| Net charge-offs to loans | -0.0945% | 6,465 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5764% | 1,933 |
| Assets per employee ($millions) | 3.1004% | 5,670 |
| Cash dividends to net income (ytd only)* | 81.4433% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3567% | 978 |
| Loan loss allowance to noncurrent loans | 172.6027% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.4281% | 4,966 |
| Noncurrent loans to loans | 1.3654% | 2,855 |
| Net loans and leases to total assets | 30.6152% | 6,436 |
| Net loans and leases to deposits | 34.5431% | 6,473 |
| Net loans and leases to core deposits | 35.1738% | 6,495 |
| Total domestic deposits to total assets | 88.6289% | 1,841 |
| Equity capital to assets | 11.2157% | 2,418 |
| Core capital (leverage) ratio | 11.3891% | 2,042 |
| Tier 1 risk-based capital ratio | 18.6153% | 2,048 |
| Total risk-based capital ratio | 19.8278% | 2,022 |
| Memoranda: | ||
| Average total assets | $33,193,800 | 6,452 |
| Average earning assets | $31,735,000 | 6,404 |
| Average equity | $3,867,600 | 6,358 |
| Average total loans | $10,586,000 | 6,565 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9427% | 4,341 |
| Cost of funding earning assets | 0.6500% | 2,359 |
| Net interest margin | 3.2927% | 4,668 |
| Noninterest income to average assets | 0.1456% | 6,302 |
| Noninterest expense to average assets | 2.6734% | 4,120 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6067% | 4,320 |
| Return on assets (ROA) | 0.6067% | 4,446 |
| Pretax return on assets | 0.6067% | 4,988 |
| Return on Equity (ROE) | 5.1570% | 4,649 |
| Retained earnings to average equity (ytd only) | -0.2751% | 5,996 |
| Net charge-offs to loans | -0.1262% | 6,554 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5043% | 1,897 |
| Assets per employee ($millions) | 2.9131% | 5,988 |
| Cash dividends to net income (ytd only)* | 105.3300% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3554% | 1,102 |
| Loan loss allowance to noncurrent loans | 180.0000% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.4369% | 5,121 |
| Noncurrent loans to loans | 1.3085% | 3,221 |
| Net loans and leases to total assets | 32.6020% | 6,424 |
| Net loans and leases to deposits | 37.2575% | 6,465 |
| Net loans and leases to core deposits | 37.9919% | 6,504 |
| Total domestic deposits to total assets | 87.5047% | 2,415 |
| Equity capital to assets | 11.9149% | 1,974 |
| Core capital (leverage) ratio | 11.8415% | 1,781 |
| Tier 1 risk-based capital ratio | 18.8910% | 2,024 |
| Total risk-based capital ratio | 20.1353% | 1,988 |
| Memoranda: | ||
| Average total assets | $32,966,250 | 6,534 |
| Average earning assets | $31,382,250 | 6,484 |
| Average equity | $3,878,250 | 6,433 |
| Average total loans | $10,559,250 | 6,639 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9257% | 4,377 |
| Cost of funding earning assets | 0.6522% | 2,471 |
| Net interest margin | 3.2736% | 4,672 |
| Noninterest income to average assets | 0.1443% | 6,326 |
| Noninterest expense to average assets | 2.6507% | 4,214 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6011% | 4,273 |
| Return on assets (ROA) | 0.6011% | 4,453 |
| Pretax return on assets | 0.6011% | 5,007 |
| Return on Equity (ROE) | 5.1304% | 4,654 |
| Retained earnings to average equity (ytd only) | -2.9756% | 6,307 |
| Net charge-offs to loans | -0.1902% | 6,649 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5157% | 1,962 |
| Assets per employee ($millions) | 3.2545% | 5,367 |
| Cash dividends to net income (ytd only)* | 158.0000% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3301% | 1,212 |
| Loan loss allowance to noncurrent loans | 112.5000% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 0.6883% | 4,503 |
| Noncurrent loans to loans | 2.0712% | 2,310 |
| Net loans and leases to total assets | 32.4566% | 6,487 |
| Net loans and leases to deposits | 36.8331% | 6,529 |
| Net loans and leases to core deposits | 37.5426% | 6,555 |
| Total domestic deposits to total assets | 88.1180% | 2,162 |
| Equity capital to assets | 11.4672% | 2,331 |
| Core capital (leverage) ratio | 11.4668% | 1,961 |
| Tier 1 risk-based capital ratio | 18.3306% | 2,199 |
| Total risk-based capital ratio | 19.5542% | 2,173 |
| Memoranda: | ||
| Average total assets | $33,273,670 | 6,575 |
| Average earning assets | $31,586,330 | 6,526 |
| Average equity | $3,898,330 | 6,476 |
| Average total loans | $10,512,670 | 6,684 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7934% | 4,842 |
| Cost of funding earning assets | 0.6470% | 2,691 |
| Net interest margin | 3.1464% | 5,111 |
| Noninterest income to average assets | 0.1427% | 6,392 |
| Noninterest expense to average assets | 2.6518% | 4,236 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4400% | 4,959 |
| Return on assets (ROA) | 0.4400% | 5,123 |
| Pretax return on assets | 0.4400% | 5,437 |
| Return on Equity (ROE) | 3.7172% | 5,232 |
| Retained earnings to average equity (ytd only) | -12.1562% | 6,685 |
| Net charge-offs to loans | -0.3474% | 6,802 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7692% | 1,542 |
| Assets per employee ($millions) | 3.3688% | 5,282 |
| Cash dividends to net income (ytd only)* | 427.0270% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3566% | 1,322 |
| Loan loss allowance to noncurrent loans | 111.5556% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 0.6679% | 4,708 |
| Noncurrent loans to loans | 2.1125% | 2,487 |
| Net loans and leases to total assets | 30.8715% | 6,568 |
| Net loans and leases to deposits | 35.1506% | 6,599 |
| Net loans and leases to core deposits | 35.8065% | 6,628 |
| Total domestic deposits to total assets | 87.8265% | 2,435 |
| Equity capital to assets | 11.6243% | 2,311 |
| Core capital (leverage) ratio | 11.0998% | 2,180 |
| Tier 1 risk-based capital ratio | 17.7788% | 2,451 |
| Total risk-based capital ratio | 18.9804% | 2,437 |
| Memoranda: | ||
| Average total assets | $33,638,000 | 6,626 |
| Average earning assets | $31,528,500 | 6,585 |
| Average equity | $3,981,500 | 6,525 |
| Average total loans | $10,361,500 | 6,754 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5188% | 3,319 |
| Cost of funding earning assets | 0.8213% | 2,499 |
| Net interest margin | 3.6975% | 3,657 |
| Noninterest income to average assets | 0.1625% | 6,223 |
| Noninterest expense to average assets | 2.8960% | 3,656 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7519% | 3,505 |
| Return on assets (ROA) | 0.7519% | 3,745 |
| Pretax return on assets | 0.7519% | 4,472 |
| Return on Equity (ROE) | 6.0963% | 4,121 |
| Retained earnings to average equity (ytd only) | 3.1515% | 4,014 |
| Net charge-offs to loans | -0.1346% | 6,885 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3886% | 2,226 |
| Assets per employee ($millions) | 3.3588% | 5,308 |
| Cash dividends to net income (ytd only)* | 48.3051% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4027% | 1,226 |
| Loan loss allowance to noncurrent loans | 148.4663% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 0.4853% | 5,255 |
| Noncurrent loans to loans | 1.6183% | 3,200 |
| Net loans and leases to total assets | 29.2664% | 6,721 |
| Net loans and leases to deposits | 33.3119% | 6,752 |
| Net loans and leases to core deposits | 33.6114% | 6,777 |
| Total domestic deposits to total assets | 87.8558% | 2,319 |
| Equity capital to assets | 12.0489% | 2,013 |
| Core capital (leverage) ratio | 11.6164% | 1,794 |
| Tier 1 risk-based capital ratio | 18.8163% | 2,007 |
| Total risk-based capital ratio | 20.0039% | 1,990 |
| Memoranda: | ||
| Average total assets | $31,388,200 | 6,721 |
| Average earning assets | $29,587,400 | 6,676 |
| Average equity | $3,871,200 | 6,599 |
| Average total loans | $11,142,800 | 6,803 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5376% | 3,479 |
| Cost of funding earning assets | 0.8366% | 2,655 |
| Net interest margin | 3.7011% | 3,791 |
| Noninterest income to average assets | 0.1729% | 6,270 |
| Noninterest expense to average assets | 2.8881% | 3,647 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8042% | 3,431 |
| Return on assets (ROA) | 0.8042% | 3,673 |
| Pretax return on assets | 0.8042% | 4,467 |
| Return on Equity (ROE) | 6.4796% | 4,077 |
| Retained earnings to average equity (ytd only) | 2.5083% | 5,069 |
| Net charge-offs to loans | -0.1753% | 6,965 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2201% | 2,369 |
| Assets per employee ($millions) | 3.4430% | 5,107 |
| Cash dividends to net income (ytd only)* | 61.2928% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2606% | 1,597 |
| Loan loss allowance to noncurrent loans | 143.1953% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 0.5454% | 5,310 |
| Noncurrent loans to loans | 1.5787% | 3,423 |
| Net loans and leases to total assets | 33.7658% | 6,668 |
| Net loans and leases to deposits | 39.0687% | 6,715 |
| Net loans and leases to core deposits | 39.4562% | 6,765 |
| Total domestic deposits to total assets | 86.4266% | 3,028 |
| Equity capital to assets | 12.9312% | 1,629 |
| Core capital (leverage) ratio | 12.7095% | 1,309 |
| Tier 1 risk-based capital ratio | 19.1614% | 1,960 |
| Total risk-based capital ratio | 20.3869% | 1,940 |
| Memoranda: | ||
| Average total assets | $30,838,250 | 6,819 |
| Average earning assets | $29,324,250 | 6,769 |
| Average equity | $3,827,250 | 6,687 |
| Average total loans | $11,410,500 | 6,889 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6395% | 3,186 |
| Cost of funding earning assets | 0.8609% | 2,721 |
| Net interest margin | 3.7786% | 3,462 |
| Noninterest income to average assets | 0.1884% | 6,215 |
| Noninterest expense to average assets | 2.8907% | 3,661 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8899% | 2,959 |
| Return on assets (ROA) | 0.8899% | 3,220 |
| Pretax return on assets | 0.8899% | 4,118 |
| Return on Equity (ROE) | 7.2731% | 3,631 |
| Retained earnings to average equity (ytd only) | 1.2210% | 5,587 |
| Net charge-offs to loans | -0.4465% | 7,115 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4605% | 2,676 |
| Assets per employee ($millions) | 3.4392% | 5,115 |
| Cash dividends to net income (ytd only)* | 83.2117% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2449% | 1,681 |
| Loan loss allowance to noncurrent loans | 130.4124% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.6268% | 5,210 |
| Noncurrent loans to loans | 1.7214% | 3,313 |
| Net loans and leases to total assets | 35.5927% | 6,630 |
| Net loans and leases to deposits | 40.8461% | 6,702 |
| Net loans and leases to core deposits | 41.2483% | 6,764 |
| Total domestic deposits to total assets | 87.1386% | 2,690 |
| Equity capital to assets | 12.4350% | 1,853 |
| Core capital (leverage) ratio | 11.8136% | 1,713 |
| Tier 1 risk-based capital ratio | 18.2632% | 2,209 |
| Total risk-based capital ratio | 19.5003% | 2,182 |
| Memoranda: | ||
| Average total assets | $30,788,670 | 6,874 |
| Average earning assets | $29,270,330 | 6,822 |
| Average equity | $3,767,330 | 6,737 |
| Average total loans | $11,645,670 | 6,944 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6754% | 3,150 |
| Cost of funding earning assets | 0.8965% | 2,722 |
| Net interest margin | 3.7789% | 3,486 |
| Noninterest income to average assets | 0.2215% | 6,029 |
| Noninterest expense to average assets | 2.8658% | 3,762 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9249% | 2,815 |
| Return on assets (ROA) | 0.9249% | 3,020 |
| Pretax return on assets | 0.9249% | 3,950 |
| Return on Equity (ROE) | 7.6211% | 3,441 |
| Retained earnings to average equity (ytd only) | -4.6156% | 6,553 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6014% | 2,838 |
| Assets per employee ($millions) | 3.4956% | 5,130 |
| Cash dividends to net income (ytd only)* | 160.5634% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9189% | 2,623 |
| Loan loss allowance to noncurrent loans | 102.2523% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 0.7057% | 5,137 |
| Noncurrent loans to loans | 1.8766% | 3,306 |
| Net loans and leases to total assets | 36.8818% | 6,564 |
| Net loans and leases to deposits | 42.0201% | 6,658 |
| Net loans and leases to core deposits | 42.4226% | 6,726 |
| Total domestic deposits to total assets | 87.7718% | 2,486 |
| Equity capital to assets | 11.9517% | 2,082 |
| Core capital (leverage) ratio | 11.8340% | 1,688 |
| Tier 1 risk-based capital ratio | 17.7452% | 2,387 |
| Total risk-based capital ratio | 18.8431% | 2,414 |
| Memoranda: | ||
| Average total assets | $30,706,500 | 6,928 |
| Average earning assets | $29,003,000 | 6,883 |
| Average equity | $3,726,500 | 6,792 |
| Average total loans | $11,833,500 | 6,992 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8804% | 3,453 |
| Cost of funding earning assets | 1.1072% | 2,622 |
| Net interest margin | 3.7732% | 3,961 |
| Noninterest income to average assets | 0.1706% | 6,264 |
| Noninterest expense to average assets | 3.0750% | 3,291 |
| Loan and lease loss provision to assets | 0.0102% | 6,405 |
| Net operating income to assets | 0.6792% | 3,582 |
| Return on assets (ROA) | 0.7440% | 3,448 |
| Pretax return on assets | 0.7440% | 4,178 |
| Return on Equity (ROE) | 5.9775% | 3,882 |
| Retained earnings to average equity (ytd only) | 2.8517% | 4,214 |
| Net charge-offs to loans | 0.0344% | 5,968 |
| Credit loss provision to net charge-offs | 75.0000% | 4,670 |
| Earnings coverage of net charge-offs (x) | 50.5000% | 553 |
| Efficiency ratio | 81.6863% | 2,063 |
| Assets per employee ($millions) | 2.9953% | 6,092 |
| Cash dividends to net income (ytd only)* | 52.2936% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9177% | 2,515 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 0.7579% | 5,130 |
| Noncurrent loans to loans | 1.9177% | 3,321 |
| Net loans and leases to total assets | 38.7607% | 6,615 |
| Net loans and leases to deposits | 44.2741% | 6,710 |
| Net loans and leases to core deposits | 44.7192% | 6,785 |
| Total domestic deposits to total assets | 87.5472% | 2,446 |
| Equity capital to assets | 12.3293% | 1,892 |
| Core capital (leverage) ratio | 12.0052% | 1,590 |
| Tier 1 risk-based capital ratio | 19.0701% | 1,875 |
| Total risk-based capital ratio | 20.2363% | 1,856 |
| Memoranda: | ||
| Average total assets | $29,301,000 | 6,986 |
| Average earning assets | $27,907,400 | 6,926 |
| Average equity | $3,647,000 | 6,842 |
| Average total loans | $11,618,200 | 7,051 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8677% | 3,694 |
| Cost of funding earning assets | 1.1425% | 2,679 |
| Net interest margin | 3.7252% | 4,225 |
| Noninterest income to average assets | 0.1693% | 6,377 |
| Noninterest expense to average assets | 3.0978% | 3,171 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6223% | 4,001 |
| Return on assets (ROA) | 0.7092% | 3,730 |
| Pretax return on assets | 0.7092% | 4,440 |
| Return on Equity (ROE) | 5.6845% | 4,188 |
| Retained earnings to average equity (ytd only) | 1.5038% | 5,382 |
| Net charge-offs to loans | 0.0461% | 5,529 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 34.0206% | 858 |
| Efficiency ratio | 83.2718% | 1,820 |
| Assets per employee ($millions) | 3.3428% | 5,381 |
| Cash dividends to net income (ytd only)* | 73.5508% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9178% | 2,567 |
| Loan loss allowance to noncurrent loans | 93.7238% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 0.7944% | 5,181 |
| Noncurrent loans to loans | 2.0462% | 3,309 |
| Net loans and leases to total assets | 38.0788% | 6,767 |
| Net loans and leases to deposits | 43.5888% | 6,854 |
| Net loans and leases to core deposits | 45.3093% | 6,875 |
| Total domestic deposits to total assets | 87.3591% | 2,435 |
| Equity capital to assets | 12.1855% | 2,114 |
| Core capital (leverage) ratio | 12.4255% | 1,465 |
| Tier 1 risk-based capital ratio | 18.6793% | 2,037 |
| Total risk-based capital ratio | 19.8260% | 2,029 |
| Memoranda: | ||
| Average total assets | $29,138,000 | 7,064 |
| Average earning assets | $27,774,250 | 7,002 |
| Average equity | $3,635,500 | 6,900 |
| Average total loans | $11,563,500 | 7,120 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8454% | 3,884 |
| Cost of funding earning assets | 1.1735% | 2,755 |
| Net interest margin | 3.6718% | 4,398 |
| Noninterest income to average assets | 0.1804% | 6,369 |
| Noninterest expense to average assets | 3.1434% | 3,103 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5759% | 4,179 |
| Return on assets (ROA) | 0.5898% | 4,242 |
| Pretax return on assets | 0.5898% | 4,773 |
| Return on Equity (ROE) | 4.6892% | 4,596 |
| Retained earnings to average equity (ytd only) | -1.5999% | 6,176 |
| Net charge-offs to loans | 0.1041% | 4,644 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 13.8333% | 1,518 |
| Efficiency ratio | 84.5149% | 1,759 |
| Assets per employee ($millions) | 3.5994% | 4,684 |
| Cash dividends to net income (ytd only)* | 134.1176% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9606% | 2,479 |
| Loan loss allowance to noncurrent loans | 85.7143% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 0.8995% | 5,071 |
| Noncurrent loans to loans | 2.2874% | 3,120 |
| Net loans and leases to total assets | 38.5518% | 6,832 |
| Net loans and leases to deposits | 44.4645% | 6,906 |
| Net loans and leases to core deposits | 46.8002% | 6,902 |
| Total domestic deposits to total assets | 86.7026% | 2,924 |
| Equity capital to assets | 12.7696% | 1,640 |
| Core capital (leverage) ratio | 12.4413% | 1,392 |
| Tier 1 risk-based capital ratio | 19.2025% | 1,787 |
| Total risk-based capital ratio | 20.3939% | 1,763 |
| Memoranda: | ||
| Average total assets | $28,822,330 | 7,136 |
| Average earning assets | $27,779,000 | 7,066 |
| Average equity | $3,625,330 | 6,950 |
| Average total loans | $11,524,670 | 7,192 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8495% | 3,822 |
| Cost of funding earning assets | 1.1730% | 2,995 |
| Net interest margin | 3.6765% | 4,217 |
| Noninterest income to average assets | 0.2081% | 6,247 |
| Noninterest expense to average assets | 3.0517% | 3,452 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7213% | 3,426 |
| Return on assets (ROA) | 0.7213% | 3,488 |
| Pretax return on assets | 0.7213% | 4,215 |
| Return on Equity (ROE) | 5.7786% | 4,028 |
| Retained earnings to average equity (ytd only) | -6.8898% | 6,672 |
| Net charge-offs to loans | 0.2064% | 3,272 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 8.6667% | 1,800 |
| Efficiency ratio | 80.8824% | 2,383 |
| Assets per employee ($millions) | 3.1823% | 5,757 |
| Cash dividends to net income (ytd only)* | 219.2308% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9257% | 2,608 |
| Loan loss allowance to noncurrent loans | 79.8561% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 0.9706% | 4,959 |
| Noncurrent loans to loans | 2.4115% | 3,077 |
| Net loans and leases to total assets | 39.4749% | 6,814 |
| Net loans and leases to deposits | 45.4714% | 6,883 |
| Net loans and leases to core deposits | 47.8682% | 6,882 |
| Total domestic deposits to total assets | 86.8126% | 3,048 |
| Equity capital to assets | 12.4961% | 1,631 |
| Core capital (leverage) ratio | 12.3472% | 1,391 |
| Tier 1 risk-based capital ratio | 18.8647% | 1,840 |
| Total risk-based capital ratio | 20.0458% | 1,825 |
| Memoranda: | ||
| Average total assets | $28,836,000 | 7,188 |
| Average earning assets | $27,961,500 | 7,104 |
| Average equity | $3,599,500 | 6,990 |
| Average total loans | $11,625,500 | 7,246 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3550% | 2,874 |
| Cost of funding earning assets | 1.3976% | 3,283 |
| Net interest margin | 3.9574% | 3,227 |
| Noninterest income to average assets | 0.2194% | 6,238 |
| Noninterest expense to average assets | 3.1041% | 3,439 |
| Loan and lease loss provision to assets | 0.3035% | 4,380 |
| Net operating income to assets | 0.5594% | 3,851 |
| Return on assets (ROA) | 0.6033% | 3,820 |
| Pretax return on assets | 0.6033% | 4,314 |
| Return on Equity (ROE) | 4.5608% | 4,268 |
| Retained earnings to average equity (ytd only) | 1.4097% | 4,827 |
| Net charge-offs to loans | 0.2104% | 5,029 |
| Credit loss provision to net charge-offs | 332.0000% | 778 |
| Earnings coverage of net charge-offs (x) | 9.4400% | 1,819 |
| Efficiency ratio | 78.2488% | 2,662 |
| Assets per employee ($millions) | 3.6289% | 4,634 |
| Cash dividends to net income (ytd only)* | 69.0909% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9449% | 2,428 |
| Loan loss allowance to noncurrent loans | 94.2149% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 0.8336% | 5,334 |
| Noncurrent loans to loans | 2.0643% | 3,467 |
| Net loans and leases to total assets | 39.5956% | 6,987 |
| Net loans and leases to deposits | 45.5302% | 7,060 |
| Net loans and leases to core deposits | 47.9058% | 7,077 |
| Total domestic deposits to total assets | 86.9657% | 2,837 |
| Equity capital to assets | 12.4694% | 1,649 |
| Core capital (leverage) ratio | 12.5964% | 1,271 |
| Tier 1 risk-based capital ratio | 19.1031% | 1,693 |
| Total risk-based capital ratio | 20.3103% | 1,671 |
| Memoranda: | ||
| Average total assets | $27,350,800 | 7,284 |
| Average earning assets | $25,900,800 | 7,232 |
| Average equity | $3,617,800 | 7,104 |
| Average total loans | $11,880,800 | 7,312 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4503% | 2,643 |
| Cost of funding earning assets | 1.4415% | 3,322 |
| Net interest margin | 4.0088% | 3,060 |
| Noninterest income to average assets | 0.2228% | 6,311 |
| Noninterest expense to average assets | 3.1339% | 3,174 |
| Loan and lease loss provision to assets | 0.1238% | 5,793 |
| Net operating income to assets | 0.7377% | 3,248 |
| Return on assets (ROA) | 0.7723% | 3,274 |
| Pretax return on assets | 0.7723% | 4,004 |
| Return on Equity (ROE) | 5.7499% | 3,928 |
| Retained earnings to average equity (ytd only) | 1.5481% | 5,179 |
| Net charge-offs to loans | 0.2796% | 4,268 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 6.9604% | 2,415 |
| Efficiency ratio | 78.4387% | 2,561 |
| Assets per employee ($millions) | 3.4576% | 5,086 |
| Cash dividends to net income (ytd only)* | 73.0804% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4399% | 4,256 |
| Loan loss allowance to noncurrent loans | 60.7143% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 1.0123% | 5,067 |
| Noncurrent loans to loans | 2.3717% | 3,269 |
| Net loans and leases to total assets | 42.0664% | 6,971 |
| Net loans and leases to deposits | 49.0515% | 7,042 |
| Net loans and leases to core deposits | 51.1945% | 7,074 |
| Total domestic deposits to total assets | 85.7597% | 3,211 |
| Equity capital to assets | 13.4811% | 1,357 |
| Core capital (leverage) ratio | 13.4718% | 1,068 |
| Tier 1 risk-based capital ratio | 19.6388% | 1,620 |
| Total risk-based capital ratio | 20.5664% | 1,650 |
| Memoranda: | ||
| Average total assets | $26,930,750 | 7,387 |
| Average earning assets | $25,343,750 | 7,339 |
| Average equity | $3,617,250 | 7,195 |
| Average total loans | $11,920,250 | 7,405 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4426% | 2,788 |
| Cost of funding earning assets | 1.4656% | 3,455 |
| Net interest margin | 3.9770% | 3,129 |
| Noninterest income to average assets | 0.2398% | 6,191 |
| Noninterest expense to average assets | 3.1101% | 3,270 |
| Loan and lease loss provision to assets | 0.1874% | 4,997 |
| Net operating income to assets | 0.7045% | 3,386 |
| Return on assets (ROA) | 0.7045% | 3,537 |
| Pretax return on assets | 0.7045% | 4,218 |
| Return on Equity (ROE) | 5.2514% | 4,156 |
| Retained earnings to average equity (ytd only) | -1.1173% | 5,996 |
| Net charge-offs to loans | 0.4181% | 3,322 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 4.7600% | 2,856 |
| Efficiency ratio | 77.7154% | 2,774 |
| Assets per employee ($millions) | 3.3475% | 5,315 |
| Cash dividends to net income (ytd only)* | 121.2766% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4148% | 4,356 |
| Loan loss allowance to noncurrent loans | 80.5687% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 0.7879% | 5,536 |
| Noncurrent loans to loans | 1.7560% | 4,050 |
| Net loans and leases to total assets | 44.2345% | 6,901 |
| Net loans and leases to deposits | 51.4932% | 7,003 |
| Net loans and leases to core deposits | 53.8137% | 7,050 |
| Total domestic deposits to total assets | 85.9037% | 3,146 |
| Equity capital to assets | 13.4839% | 1,353 |
| Core capital (leverage) ratio | 13.3331% | 1,106 |
| Tier 1 risk-based capital ratio | 19.6784% | 1,565 |
| Total risk-based capital ratio | 20.6242% | 1,601 |
| Memoranda: | ||
| Average total assets | $26,687,330 | 7,450 |
| Average earning assets | $25,245,330 | 7,392 |
| Average equity | $3,580,000 | 7,242 |
| Average total loans | $11,958,330 | 7,460 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4573% | 2,795 |
| Cost of funding earning assets | 1.5027% | 3,535 |
| Net interest margin | 3.9546% | 3,076 |
| Noninterest income to average assets | 0.2552% | 6,106 |
| Noninterest expense to average assets | 3.2281% | 2,766 |
| Loan and lease loss provision to assets | 0.3754% | 3,117 |
| Net operating income to assets | 0.4054% | 4,814 |
| Return on assets (ROA) | 0.4354% | 4,818 |
| Pretax return on assets | 0.4354% | 5,178 |
| Return on Equity (ROE) | 3.2543% | 5,222 |
| Retained earnings to average equity (ytd only) | -9.5385% | 6,934 |
| Net charge-offs to loans | 0.8383% | 1,857 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 2.0800% | 3,501 |
| Efficiency ratio | 80.5243% | 2,485 |
| Assets per employee ($millions) | 3.3385% | 5,459 |
| Cash dividends to net income (ytd only)* | 393.1034% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4209% | 4,317 |
| Loan loss allowance to noncurrent loans | 49.5627% | 5,021 |
| Noncurrent assets plus other real estate owned to assets | 1.2843% | 4,608 |
| Noncurrent loans to loans | 2.8669% | 2,811 |
| Net loans and leases to total assets | 44.1591% | 6,978 |
| Net loans and leases to deposits | 51.6013% | 7,061 |
| Net loans and leases to core deposits | 53.9401% | 7,110 |
| Total domestic deposits to total assets | 85.5774% | 3,374 |
| Equity capital to assets | 13.2769% | 1,405 |
| Core capital (leverage) ratio | 13.0013% | 1,213 |
| Tier 1 risk-based capital ratio | 19.4086% | 1,637 |
| Total risk-based capital ratio | 20.3589% | 1,664 |
| Memoranda: | ||
| Average total assets | $26,641,000 | 7,539 |
| Average earning assets | $25,287,000 | 7,482 |
| Average equity | $3,564,500 | 7,324 |
| Average total loans | $11,929,500 | 7,554 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9942% | 1,896 |
| Cost of funding earning assets | 1.7108% | 4,447 |
| Net interest margin | 4.2834% | 1,771 |
| Noninterest income to average assets | 0.2523% | 6,299 |
| Noninterest expense to average assets | 3.2914% | 3,034 |
| Loan and lease loss provision to assets | 0.2002% | 5,739 |
| Net operating income to assets | 0.7808% | 2,600 |
| Return on assets (ROA) | 0.7007% | 2,999 |
| Pretax return on assets | 0.7007% | 3,567 |
| Return on Equity (ROE) | 5.1152% | 3,622 |
| Retained earnings to average equity (ytd only) | 1.6369% | 3,939 |
| Net charge-offs to loans | 0.2799% | 4,881 |
| Credit loss provision to net charge-offs | 156.2500% | 2,895 |
| Earnings coverage of net charge-offs (x) | 7.6563% | 2,105 |
| Efficiency ratio | 77.0384% | 3,357 |
| Assets per employee ($millions) | 3.3218% | 5,454 |
| Cash dividends to net income (ytd only)* | 68.0000% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4292% | 4,081 |
| Loan loss allowance to noncurrent loans | 66.1479% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 0.9671% | 5,173 |
| Noncurrent loans to loans | 2.1606% | 3,442 |
| Net loans and leases to total assets | 44.1221% | 7,111 |
| Net loans and leases to deposits | 51.7158% | 7,160 |
| Net loans and leases to core deposits | 62.0633% | 7,188 |
| Total domestic deposits to total assets | 85.3165% | 3,404 |
| Equity capital to assets | 13.4831% | 1,328 |
| Core capital (leverage) ratio | 13.4399% | 1,113 |
| Tier 1 risk-based capital ratio | 20.0847% | 1,447 |
| Total risk-based capital ratio | 21.0446% | 1,460 |
| Memoranda: | ||
| Average total assets | $24,974,200 | 7,639 |
| Average earning assets | $23,439,200 | 7,603 |
| Average equity | $3,421,200 | 7,468 |
| Average total loans | $11,433,000 | 7,631 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0871% | 1,695 |
| Cost of funding earning assets | 1.7375% | 4,711 |
| Net interest margin | 4.3496% | 1,588 |
| Noninterest income to average assets | 0.2442% | 6,487 |
| Noninterest expense to average assets | 3.3205% | 2,833 |
| Loan and lease loss provision to assets | 0.2170% | 5,246 |
| Net operating income to assets | 0.7813% | 2,895 |
| Return on assets (ROA) | 0.7813% | 2,952 |
| Pretax return on assets | 0.7813% | 3,596 |
| Return on Equity (ROE) | 5.6792% | 3,658 |
| Retained earnings to average equity (ytd only) | 0.9859% | 4,761 |
| Net charge-offs to loans | 0.3770% | 3,765 |
| Credit loss provision to net charge-offs | 125.0000% | 4,022 |
| Earnings coverage of net charge-offs (x) | 5.7495% | 2,745 |
| Efficiency ratio | 76.8844% | 3,343 |
| Assets per employee ($millions) | 3.1408% | 5,807 |
| Cash dividends to net income (ytd only)* | 82.6354% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3077% | 4,456 |
| Loan loss allowance to noncurrent loans | 54.4218% | 4,694 |
| Noncurrent assets plus other real estate owned to assets | 1.1701% | 4,735 |
| Noncurrent loans to loans | 2.4029% | 3,133 |
| Net loans and leases to total assets | 48.0578% | 6,947 |
| Net loans and leases to deposits | 56.5388% | 7,056 |
| Net loans and leases to core deposits | 68.5690% | 7,040 |
| Total domestic deposits to total assets | 84.9996% | 3,238 |
| Equity capital to assets | 14.0970% | 1,277 |
| Core capital (leverage) ratio | 14.2402% | 1,025 |
| Tier 1 risk-based capital ratio | 20.1117% | 1,536 |
| Total risk-based capital ratio | 21.0232% | 1,561 |
| Memoranda: | ||
| Average total assets | $24,574,250 | 7,723 |
| Average earning assets | $23,020,750 | 7,691 |
| Average equity | $3,380,750 | 7,546 |
| Average total loans | $11,317,500 | 7,717 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9121% | 2,533 |
| Cost of funding earning assets | 1.7553% | 4,973 |
| Net interest margin | 4.1568% | 2,135 |
| Noninterest income to average assets | 0.2296% | 6,642 |
| Noninterest expense to average assets | 3.3866% | 2,669 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7462% | 3,062 |
| Return on assets (ROA) | 0.7462% | 3,166 |
| Pretax return on assets | 0.7462% | 3,845 |
| Return on Equity (ROE) | 5.4704% | 3,876 |
| Retained earnings to average equity (ytd only) | -1.6832% | 5,668 |
| Net charge-offs to loans | -0.1090% | 7,964 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9444% | 2,730 |
| Assets per employee ($millions) | 3.0700% | 5,950 |
| Cash dividends to net income (ytd only)* | 130.7692% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3031% | 4,253 |
| Loan loss allowance to noncurrent loans | 39.7985% | 5,739 |
| Noncurrent assets plus other real estate owned to assets | 1.6164% | 3,790 |
| Noncurrent loans to loans | 3.2742% | 2,162 |
| Net loans and leases to total assets | 48.7256% | 6,975 |
| Net loans and leases to deposits | 57.6168% | 7,052 |
| Net loans and leases to core deposits | 68.4298% | 7,100 |
| Total domestic deposits to total assets | 84.5684% | 3,468 |
| Equity capital to assets | 13.8966% | 1,340 |
| Core capital (leverage) ratio | 14.5098% | 1,021 |
| Tier 1 risk-based capital ratio | 19.9472% | 1,590 |
| Total risk-based capital ratio | 20.8534% | 1,612 |
| Memoranda: | ||
| Average total assets | $24,390,330 | 7,807 |
| Average earning assets | $22,902,330 | 7,770 |
| Average equity | $3,327,000 | 7,625 |
| Average total loans | $11,011,670 | 7,813 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0166% | 2,294 |
| Cost of funding earning assets | 1.7944% | 5,135 |
| Net interest margin | 4.2222% | 1,830 |
| Noninterest income to average assets | 0.2469% | 6,483 |
| Noninterest expense to average assets | 3.4560% | 2,214 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7406% | 3,389 |
| Return on assets (ROA) | 0.7406% | 3,570 |
| Pretax return on assets | 0.7406% | 4,284 |
| Return on Equity (ROE) | 5.4811% | 4,257 |
| Retained earnings to average equity (ytd only) | -9.0134% | 7,016 |
| Net charge-offs to loans | -0.2296% | 8,031 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3529% | 2,489 |
| Assets per employee ($millions) | 2.9828% | 6,204 |
| Cash dividends to net income (ytd only)* | 264.4444% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4735% | 3,121 |
| Loan loss allowance to noncurrent loans | 40.3061% | 5,852 |
| Noncurrent assets plus other real estate owned to assets | 1.6428% | 3,447 |
| Noncurrent loans to loans | 3.6557% | 1,714 |
| Net loans and leases to total assets | 44.2754% | 7,314 |
| Net loans and leases to deposits | 52.0085% | 7,402 |
| Net loans and leases to core deposits | 59.7061% | 7,470 |
| Total domestic deposits to total assets | 85.1312% | 3,140 |
| Equity capital to assets | 13.6661% | 1,474 |
| Core capital (leverage) ratio | 14.2229% | 1,146 |
| Tier 1 risk-based capital ratio | 21.1294% | 1,432 |
| Total risk-based capital ratio | 22.1025% | 1,445 |
| Memoranda: | ||
| Average total assets | $24,305,500 | 7,858 |
| Average earning assets | $22,737,000 | 7,814 |
| Average equity | $3,284,000 | 7,695 |
| Average total loans | $10,455,000 | 7,883 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2316% | 4,346 |
| Cost of funding earning assets | 2.0903% | 6,096 |
| Net interest margin | 4.1414% | 2,532 |
| Noninterest income to average assets | 0.2879% | 6,403 |
| Noninterest expense to average assets | 3.4017% | 2,678 |
| Loan and lease loss provision to assets | 0.2057% | 4,835 |
| Net operating income to assets | 0.6005% | 4,301 |
| Return on assets (ROA) | 0.6005% | 4,167 |
| Pretax return on assets | 0.6005% | 4,689 |
| Return on Equity (ROE) | 4.3383% | 4,665 |
| Retained earnings to average equity (ytd only) | 0.9509% | 4,658 |
| Net charge-offs to loans | 0.0093% | 6,798 |
| Credit loss provision to net charge-offs | 5,000.0000% | 99 |
| Earnings coverage of net charge-offs (x) | 196.0000% | 242 |
| Efficiency ratio | 80.8407% | 2,479 |
| Assets per employee ($millions) | 3.0936% | 5,788 |
| Cash dividends to net income (ytd only)* | 78.0822% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4921% | 2,736 |
| Loan loss allowance to noncurrent loans | 46.3415% | 5,697 |
| Noncurrent assets plus other real estate owned to assets | 1.3253% | 3,566 |
| Noncurrent loans to loans | 3.2198% | 1,630 |
| Net loans and leases to total assets | 40.5471% | 7,646 |
| Net loans and leases to deposits | 46.9715% | 7,754 |
| Net loans and leases to core deposits | 54.3166% | 7,792 |
| Total domestic deposits to total assets | 86.3227% | 2,253 |
| Equity capital to assets | 13.3622% | 1,645 |
| Core capital (leverage) ratio | 14.2087% | 1,215 |
| Tier 1 risk-based capital ratio | 21.6233% | 1,368 |
| Total risk-based capital ratio | 22.5607% | 1,382 |
| Memoranda: | ||
| Average total assets | $24,311,200 | 7,860 |
| Average earning assets | $23,011,600 | 7,823 |
| Average equity | $3,365,400 | 7,728 |
| Average total loans | $10,712,200 | 7,906 |