Home > American Exchange Bank > Performance and Condition Ratios
American Exchange Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1344% | 1,782 |
| Cost of funding earning assets | 1.5346% | 1,854 |
| Net interest margin | 3.5998% | 1,970 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 2.2186% | 3,077 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.5971% | 871 |
| Return on assets (ROA) | 1.6421% | 777 |
| Pretax return on assets | 1.6421% | 1,163 |
| Return on Equity (ROE) | 21.1300% | 529 |
| Retained earnings to average equity (ytd only) | 14.8011% | 334 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 58.1430% | 3,284 |
| Assets per employee ($millions) | 8.1819% | 1,340 |
| Cash dividends to net income (ytd only)* | 29.9658% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0817% | 2,922 |
| Loan loss allowance to noncurrent loans | 628.3582% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.5174% | 1,085 |
| Noncurrent loans to loans | 0.1722% | 2,656 |
| Net loans and leases to total assets | 52.2800% | 3,466 |
| Net loans and leases to deposits | 75.6822% | 2,482 |
| Net loans and leases to core deposits | 78.5209% | 2,796 |
| Total domestic deposits to total assets | 69.0800% | 4,319 |
| Equity capital to assets | 8.2757% | 3,221 |
| Core capital (leverage) ratio | 9.7144% | 3,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $71,126,800 | 4,101 |
| Average earning assets | $66,532,000 | 4,074 |
| Average equity | $5,526,600 | 4,212 |
| Average total loans | $36,004,400 | 4,052 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9715% | 1,893 |
| Cost of funding earning assets | 1.3173% | 2,104 |
| Net interest margin | 3.6542% | 1,876 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 2.0690% | 3,424 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.6151% | 919 |
| Return on assets (ROA) | 1.6681% | 833 |
| Pretax return on assets | 1.6681% | 1,223 |
| Return on Equity (ROE) | 21.8400% | 579 |
| Retained earnings to average equity (ytd only) | 18.1248% | 334 |
| Net charge-offs to loans | -0.0113% | 3,968 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 56.1602% | 3,391 |
| Assets per employee ($millions) | 7.9136% | 1,391 |
| Cash dividends to net income (ytd only)* | 17.0068% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1110% | 2,807 |
| Loan loss allowance to noncurrent loans | 68.1672% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 1.1036% | 438 |
| Noncurrent loans to loans | 1.6298% | 421 |
| Net loans and leases to total assets | 52.9900% | 3,425 |
| Net loans and leases to deposits | 81.2473% | 1,961 |
| Net loans and leases to core deposits | 84.5604% | 2,290 |
| Total domestic deposits to total assets | 65.2200% | 4,413 |
| Equity capital to assets | 7.7406% | 3,215 |
| Core capital (leverage) ratio | 9.5655% | 3,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $70,499,250 | 4,124 |
| Average earning assets | $66,295,750 | 4,095 |
| Average equity | $5,384,750 | 4,237 |
| Average total loans | $35,275,750 | 4,084 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8201% | 1,954 |
| Cost of funding earning assets | 1.0047% | 2,591 |
| Net interest margin | 3.8154% | 1,592 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 2.0724% | 3,421 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7877% | 676 |
| Return on assets (ROA) | 1.7877% | 671 |
| Pretax return on assets | 1.7877% | 1,034 |
| Return on Equity (ROE) | 23.5100% | 459 |
| Retained earnings to average equity (ytd only) | 19.7679% | 255 |
| Net charge-offs to loans | -0.0175% | 4,086 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 53.6873% | 3,639 |
| Assets per employee ($millions) | 7.7848% | 1,427 |
| Cash dividends to net income (ytd only)* | 15.9236% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1990% | 2,451 |
| Loan loss allowance to noncurrent loans | 57.2200% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 1.2917% | 302 |
| Noncurrent loans to loans | 2.0955% | 255 |
| Net loans and leases to total assets | 49.8700% | 3,570 |
| Net loans and leases to deposits | 65.9992% | 3,055 |
| Net loans and leases to core deposits | 68.9643% | 3,187 |
| Total domestic deposits to total assets | 75.5600% | 4,078 |
| Equity capital to assets | 7.9457% | 3,250 |
| Core capital (leverage) ratio | 9.3624% | 3,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5502% | 1,204 |
| Memoranda: | ||
| Average total assets | $70,258,333 | 4,145 |
| Average earning assets | $65,891,333 | 4,121 |
| Average equity | $5,342,000 | 4,264 |
| Average total loans | $34,312,667 | 4,109 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5314% | 2,245 |
| Cost of funding earning assets | 0.7452% | 2,907 |
| Net interest margin | 3.7862% | 1,721 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 2.0530% | 3,489 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.8084% | 655 |
| Return on assets (ROA) | 1.8084% | 645 |
| Pretax return on assets | 1.8084% | 1,052 |
| Return on Equity (ROE) | 24.4100% | 434 |
| Retained earnings to average equity (ytd only) | 20.5758% | 345 |
| Net charge-offs to loans | -0.0115% | 3,898 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.1664% | 3,689 |
| Assets per employee ($millions) | 7.5907% | 1,567 |
| Cash dividends to net income (ytd only)* | 15.7233% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2259% | 2,418 |
| Loan loss allowance to noncurrent loans | 27.2786% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 2.5045% | 77 |
| Noncurrent loans to loans | 4.4941% | 73 |
| Net loans and leases to total assets | 49.7700% | 3,512 |
| Net loans and leases to deposits | 60.4108% | 3,307 |
| Net loans and leases to core deposits | 62.2934% | 3,431 |
| Total domestic deposits to total assets | 82.3900% | 3,422 |
| Equity capital to assets | 7.9440% | 3,278 |
| Core capital (leverage) ratio | 8.0187% | 4,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7708% | 2,059 |
| Memoranda: | ||
| Average total assets | $70,336,500 | 4,198 |
| Average earning assets | $66,557,500 | 4,165 |
| Average equity | $5,210,000 | 4,333 |
| Average total loans | $34,709,000 | 4,157 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3373% | 3,503 |
| Cost of funding earning assets | 0.5035% | 1,364 |
| Net interest margin | 2.8338% | 3,825 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 2.3257% | 2,656 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5785% | 3,928 |
| Return on assets (ROA) | 0.5918% | 3,864 |
| Pretax return on assets | 0.5918% | 4,040 |
| Return on Equity (ROE) | 7.4000% | 3,542 |
| Retained earnings to average equity (ytd only) | 1.8355% | 4,014 |
| Net charge-offs to loans | 0.0625% | 1,023 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 19.5000% | 1,911 |
| Efficiency ratio | 80.0817% | 711 |
| Assets per employee ($millions) | 8.0292% | 1,307 |
| Cash dividends to net income (ytd only)* | 75.1880% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2030% | 2,368 |
| Loan loss allowance to noncurrent loans | 27.1964% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 2.3636% | 89 |
| Noncurrent loans to loans | 4.4235% | 73 |
| Net loans and leases to total assets | 47.8400% | 3,679 |
| Net loans and leases to deposits | 62.1064% | 3,188 |
| Net loans and leases to core deposits | 64.3656% | 3,243 |
| Total domestic deposits to total assets | 77.0400% | 4,165 |
| Equity capital to assets | 6.7794% | 3,775 |
| Core capital (leverage) ratio | 8.2444% | 4,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4389% | 1,801 |
| Memoranda: | ||
| Average total assets | $67,420,600 | 4,254 |
| Average earning assets | $64,153,600 | 4,217 |
| Average equity | $5,393,600 | 4,393 |
| Average total loans | $31,974,600 | 4,208 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4597% | 2,752 |
| Cost of funding earning assets | 0.3512% | 1,690 |
| Net interest margin | 3.1085% | 2,908 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 1.9919% | 3,506 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1810% | 1,766 |
| Return on assets (ROA) | 1.1971% | 1,678 |
| Pretax return on assets | 1.1971% | 2,379 |
| Return on Equity (ROE) | 14.2300% | 1,367 |
| Retained earnings to average equity (ytd only) | 10.6415% | 1,157 |
| Net charge-offs to loans | -0.0171% | 3,934 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.7774% | 2,716 |
| Assets per employee ($millions) | 8.0050% | 1,325 |
| Cash dividends to net income (ytd only)* | 25.2101% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2296% | 2,369 |
| Loan loss allowance to noncurrent loans | 25.6928% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 2.4041% | 91 |
| Noncurrent loans to loans | 4.7859% | 65 |
| Net loans and leases to total assets | 49.6100% | 3,490 |
| Net loans and leases to deposits | 66.5432% | 2,671 |
| Net loans and leases to core deposits | 69.0458% | 2,720 |
| Total domestic deposits to total assets | 74.5600% | 4,436 |
| Equity capital to assets | 7.6896% | 3,094 |
| Core capital (leverage) ratio | 8.8600% | 3,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1587% | 1,659 |
| Memoranda: | ||
| Average total assets | $66,268,250 | 4,295 |
| Average earning assets | $63,395,000 | 4,255 |
| Average equity | $5,575,500 | 4,411 |
| Average total loans | $31,219,500 | 4,246 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1269% | 3,240 |
| Cost of funding earning assets | 0.2928% | 1,782 |
| Net interest margin | 2.8341% | 3,332 |
| Noninterest income to average assets | 0.2020% | 3,986 |
| Noninterest expense to average assets | 1.9707% | 3,511 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9387% | 2,407 |
| Return on assets (ROA) | 0.9636% | 2,271 |
| Pretax return on assets | 0.9636% | 2,856 |
| Return on Equity (ROE) | 11.0965% | 1,949 |
| Retained earnings to average equity (ytd only) | 8.9488% | 1,302 |
| Net charge-offs to loans | -0.0203% | 3,879 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7350% | 2,278 |
| Assets per employee ($millions) | 7.4780% | 1,622 |
| Cash dividends to net income (ytd only)* | 19.3548% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4734% | 1,478 |
| Loan loss allowance to noncurrent loans | 23.0769% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 2.8588% | 68 |
| Noncurrent loans to loans | 6.3848% | 33 |
| Net loans and leases to total assets | 44.1146% | 3,826 |
| Net loans and leases to deposits | 51.0506% | 3,756 |
| Net loans and leases to core deposits | 52.8132% | 3,767 |
| Total domestic deposits to total assets | 86.4135% | 3,138 |
| Equity capital to assets | 8.2524% | 2,941 |
| Core capital (leverage) ratio | 8.8582% | 3,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8562% | 1,212 |
| Memoranda: | ||
| Average total assets | $64,342,667 | 4,364 |
| Average earning assets | $61,466,000 | 4,332 |
| Average equity | $5,587,333 | 4,456 |
| Average total loans | $29,562,667 | 4,324 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9183% | 3,488 |
| Cost of funding earning assets | 0.2878% | 1,758 |
| Net interest margin | 2.6305% | 3,584 |
| Noninterest income to average assets | 0.1845% | 4,053 |
| Noninterest expense to average assets | 2.0744% | 3,240 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6109% | 3,362 |
| Return on assets (ROA) | 0.6618% | 3,170 |
| Pretax return on assets | 0.6618% | 3,493 |
| Return on Equity (ROE) | 7.4233% | 2,898 |
| Retained earnings to average equity (ytd only) | 5.2819% | 2,487 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2512% | 1,379 |
| Assets per employee ($millions) | 7.4437% | 1,719 |
| Cash dividends to net income (ytd only)* | 28.8462% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5922% | 1,294 |
| Loan loss allowance to noncurrent loans | 22.9210% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 2.8719% | 67 |
| Noncurrent loans to loans | 6.9466% | 35 |
| Net loans and leases to total assets | 40.6848% | 3,964 |
| Net loans and leases to deposits | 44.7583% | 4,029 |
| Net loans and leases to core deposits | 46.2280% | 4,060 |
| Total domestic deposits to total assets | 90.8990% | 1,086 |
| Equity capital to assets | 8.1471% | 3,450 |
| Core capital (leverage) ratio | 8.5483% | 3,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,863,000 | 4,409 |
| Average earning assets | $59,761,500 | 4,382 |
| Average equity | $5,604,000 | 4,510 |
| Average total loans | $29,277,000 | 4,346 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6127% | 2,348 |
| Cost of funding earning assets | 0.3668% | 1,795 |
| Net interest margin | 3.2459% | 2,471 |
| Noninterest income to average assets | 0.2126% | 4,098 |
| Noninterest expense to average assets | 2.4313% | 2,391 |
| Loan and lease loss provision to assets | 0.4357% | 145 |
| Net operating income to assets | 0.4148% | 4,253 |
| Return on assets (ROA) | 0.5995% | 3,920 |
| Pretax return on assets | 0.5995% | 4,110 |
| Return on Equity (ROE) | 5.8468% | 3,807 |
| Retained earnings to average equity (ytd only) | 0.7478% | 4,318 |
| Net charge-offs to loans | 1.4813% | 36 |
| Credit loss provision to net charge-offs | 52.5210% | 2,120 |
| Earnings coverage of net charge-offs (x) | 1.0252% | 2,630 |
| Efficiency ratio | 74.0839% | 1,292 |
| Assets per employee ($millions) | 6.5259% | 2,313 |
| Cash dividends to net income (ytd only)* | 87.2093% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4292% | 1,807 |
| Loan loss allowance to noncurrent loans | 22.9210% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 3.2758% | 63 |
| Noncurrent loans to loans | 6.2352% | 44 |
| Net loans and leases to total assets | 51.7869% | 3,092 |
| Net loans and leases to deposits | 58.1157% | 3,246 |
| Net loans and leases to core deposits | 60.3408% | 3,291 |
| Total domestic deposits to total assets | 89.1100% | 1,452 |
| Equity capital to assets | 9.7901% | 2,861 |
| Core capital (leverage) ratio | 10.1032% | 2,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,377,800 | 4,484 |
| Average earning assets | $54,252,600 | 4,461 |
| Average equity | $5,883,600 | 4,541 |
| Average total loans | $32,134,200 | 4,333 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7508% | 2,144 |
| Cost of funding earning assets | 0.3793% | 1,861 |
| Net interest margin | 3.3716% | 2,233 |
| Noninterest income to average assets | 0.2151% | 4,109 |
| Noninterest expense to average assets | 2.1786% | 3,142 |
| Loan and lease loss provision to assets | 0.4681% | 127 |
| Net operating income to assets | 0.7690% | 3,598 |
| Return on assets (ROA) | 0.9958% | 2,997 |
| Pretax return on assets | 0.9958% | 3,472 |
| Return on Equity (ROE) | 9.5992% | 2,885 |
| Retained earnings to average equity (ytd only) | 6.2192% | 2,733 |
| Net charge-offs to loans | -0.0123% | 3,759 |
| Credit loss provision to net charge-offs | -6,666.6667% | 4,174 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7919% | 2,418 |
| Assets per employee ($millions) | 6.1917% | 2,515 |
| Cash dividends to net income (ytd only)* | 35.2113% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9506% | 161 |
| Loan loss allowance to noncurrent loans | 45.1948% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 3.4545% | 59 |
| Noncurrent loans to loans | 6.5285% | 49 |
| Net loans and leases to total assets | 51.3522% | 3,265 |
| Net loans and leases to deposits | 58.3619% | 3,373 |
| Net loans and leases to core deposits | 60.7455% | 3,423 |
| Total domestic deposits to total assets | 87.9892% | 1,853 |
| Equity capital to assets | 10.8515% | 2,122 |
| Core capital (leverage) ratio | 9.7633% | 2,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,039,000 | 4,546 |
| Average earning assets | $54,137,750 | 4,517 |
| Average equity | $5,917,000 | 4,604 |
| Average total loans | $32,453,500 | 4,389 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0452% | 1,465 |
| Cost of funding earning assets | 0.3928% | 1,949 |
| Net interest margin | 3.6524% | 1,461 |
| Noninterest income to average assets | 0.2053% | 4,176 |
| Noninterest expense to average assets | 2.1748% | 3,171 |
| Loan and lease loss provision to assets | 0.5219% | 99 |
| Net operating income to assets | 0.9708% | 2,999 |
| Return on assets (ROA) | 1.2492% | 2,089 |
| Pretax return on assets | 1.2492% | 2,770 |
| Return on Equity (ROE) | 12.2241% | 1,968 |
| Retained earnings to average equity (ytd only) | 8.8190% | 1,769 |
| Net charge-offs to loans | -0.0120% | 3,739 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2979% | 3,116 |
| Assets per employee ($millions) | 6.4157% | 2,224 |
| Cash dividends to net income (ytd only)* | 27.8552% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6945% | 211 |
| Loan loss allowance to noncurrent loans | 42.5676% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 3.3321% | 83 |
| Noncurrent loans to loans | 6.3300% | 54 |
| Net loans and leases to total assets | 51.2218% | 3,427 |
| Net loans and leases to deposits | 57.8889% | 3,556 |
| Net loans and leases to core deposits | 60.1468% | 3,608 |
| Total domestic deposits to total assets | 88.4831% | 1,572 |
| Equity capital to assets | 10.3999% | 2,490 |
| Core capital (leverage) ratio | 9.8230% | 2,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,477,000 | 4,567 |
| Average earning assets | $54,485,000 | 4,539 |
| Average equity | $5,873,667 | 4,632 |
| Average total loans | $33,442,667 | 4,402 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4242% | 878 |
| Cost of funding earning assets | 0.4150% | 1,976 |
| Net interest margin | 4.0092% | 831 |
| Noninterest income to average assets | 0.1953% | 4,216 |
| Noninterest expense to average assets | 2.2809% | 2,849 |
| Loan and lease loss provision to assets | 1.0463% | 38 |
| Net operating income to assets | 0.6417% | 3,834 |
| Return on assets (ROA) | 1.1928% | 2,246 |
| Pretax return on assets | 1.1928% | 2,863 |
| Return on Equity (ROE) | 11.7769% | 2,099 |
| Retained earnings to average equity (ytd only) | 8.3333% | 2,141 |
| Net charge-offs to loans | -0.0114% | 3,721 |
| Credit loss provision to net charge-offs | -15,000.0000% | 3,826 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4692% | 3,372 |
| Assets per employee ($millions) | 6.6539% | 2,054 |
| Cash dividends to net income (ytd only)* | 29.2398% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3651% | 324 |
| Loan loss allowance to noncurrent loans | 42.5156% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 3.2128% | 86 |
| Noncurrent loans to loans | 5.5628% | 66 |
| Net loans and leases to total assets | 56.3897% | 2,987 |
| Net loans and leases to deposits | 63.4732% | 3,172 |
| Net loans and leases to core deposits | 65.8406% | 3,257 |
| Total domestic deposits to total assets | 88.8403% | 1,422 |
| Equity capital to assets | 9.7971% | 2,900 |
| Core capital (leverage) ratio | 9.8249% | 2,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,345,000 | 4,592 |
| Average earning assets | $53,975,500 | 4,565 |
| Average equity | $5,808,000 | 4,656 |
| Average total loans | $34,966,500 | 4,401 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3459% | 1,734 |
| Cost of funding earning assets | 0.5713% | 2,500 |
| Net interest margin | 3.7746% | 1,573 |
| Noninterest income to average assets | 0.2023% | 4,259 |
| Noninterest expense to average assets | 2.6086% | 2,524 |
| Loan and lease loss provision to assets | 0.1890% | 2,058 |
| Net operating income to assets | 0.9640% | 2,424 |
| Return on assets (ROA) | 1.1285% | 1,930 |
| Pretax return on assets | 1.1285% | 2,592 |
| Return on Equity (ROE) | 10.3234% | 1,875 |
| Retained earnings to average equity (ytd only) | 4.2711% | 2,666 |
| Net charge-offs to loans | 0.4181% | 404 |
| Credit loss provision to net charge-offs | 69.4444% | 3,047 |
| Earnings coverage of net charge-offs (x) | 4.2361% | 3,010 |
| Efficiency ratio | 69.3467% | 2,042 |
| Assets per employee ($millions) | 6.0894% | 2,263 |
| Cash dividends to net income (ytd only)* | 58.6265% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8871% | 746 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 63.2771% | 2,456 |
| Net loans and leases to deposits | 71.9004% | 2,691 |
| Net loans and leases to core deposits | 74.8602% | 2,831 |
| Total domestic deposits to total assets | 88.0066% | 1,469 |
| Equity capital to assets | 10.4899% | 2,680 |
| Core capital (leverage) ratio | 10.2278% | 2,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,902,800 | 4,613 |
| Average earning assets | $49,886,200 | 4,585 |
| Average equity | $5,783,000 | 4,665 |
| Average total loans | $34,440,600 | 4,422 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5412% | 1,481 |
| Cost of funding earning assets | 0.6025% | 2,599 |
| Net interest margin | 3.9388% | 1,260 |
| Noninterest income to average assets | 0.2009% | 4,273 |
| Noninterest expense to average assets | 2.2659% | 3,510 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.6759% | 612 |
| Return on assets (ROA) | 1.8743% | 429 |
| Pretax return on assets | 1.8743% | 673 |
| Return on Equity (ROE) | 16.9670% | 451 |
| Retained earnings to average equity (ytd only) | 13.5137% | 283 |
| Net charge-offs to loans | -0.2182% | 4,934 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4839% | 3,737 |
| Assets per employee ($millions) | 6.1508% | 2,138 |
| Cash dividends to net income (ytd only)* | 20.3528% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0304% | 466 |
| Loan loss allowance to noncurrent loans | 76,700.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 4,526 |
| Noncurrent loans to loans | 0.0026% | 4,453 |
| Net loans and leases to total assets | 66.8551% | 2,403 |
| Net loans and leases to deposits | 81.3385% | 2,165 |
| Net loans and leases to core deposits | 84.8850% | 2,393 |
| Total domestic deposits to total assets | 82.1938% | 3,370 |
| Equity capital to assets | 11.0140% | 2,388 |
| Core capital (leverage) ratio | 10.7707% | 2,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,427,250 | 4,641 |
| Average earning assets | $49,794,500 | 4,610 |
| Average equity | $5,791,500 | 4,687 |
| Average total loans | $34,214,250 | 4,456 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9283% | 930 |
| Cost of funding earning assets | 0.6530% | 2,678 |
| Net interest margin | 4.2753% | 793 |
| Noninterest income to average assets | 0.1982% | 4,282 |
| Noninterest expense to average assets | 2.1535% | 3,922 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.0913% | 269 |
| Return on assets (ROA) | 2.2352% | 234 |
| Pretax return on assets | 2.2352% | 342 |
| Return on Equity (ROE) | 20.2121% | 238 |
| Retained earnings to average equity (ytd only) | 16.6969% | 148 |
| Net charge-offs to loans | -0.2180% | 4,954 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7326% | 4,464 |
| Assets per employee ($millions) | 6.2623% | 1,981 |
| Cash dividends to net income (ytd only)* | 17.3913% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9774% | 454 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 65.7015% | 2,667 |
| Net loans and leases to deposits | 79.4158% | 2,501 |
| Net loans and leases to core deposits | 82.7745% | 2,716 |
| Total domestic deposits to total assets | 82.7310% | 3,170 |
| Equity capital to assets | 10.5978% | 2,668 |
| Core capital (leverage) ratio | 10.9603% | 1,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,450,667 | 4,669 |
| Average earning assets | $48,698,333 | 4,640 |
| Average equity | $5,689,667 | 4,722 |
| Average total loans | $33,027,000 | 4,508 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5118% | 2,285 |
| Cost of funding earning assets | 0.7404% | 2,720 |
| Net interest margin | 3.7714% | 2,081 |
| Noninterest income to average assets | 0.2123% | 4,276 |
| Noninterest expense to average assets | 2.3186% | 3,731 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4287% | 925 |
| Return on assets (ROA) | 1.7226% | 541 |
| Pretax return on assets | 1.7226% | 826 |
| Return on Equity (ROE) | 15.2127% | 524 |
| Retained earnings to average equity (ytd only) | 11.6078% | 471 |
| Net charge-offs to loans | -0.3132% | 4,984 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8736% | 3,512 |
| Assets per employee ($millions) | 5.8236% | 1,815 |
| Cash dividends to net income (ytd only)* | 23.6967% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4489% | 268 |
| Loan loss allowance to noncurrent loans | 168.5780% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.8319% | 1,613 |
| Noncurrent loans to loans | 1.4527% | 1,099 |
| Net loans and leases to total assets | 55.8613% | 3,853 |
| Net loans and leases to deposits | 63.8477% | 3,996 |
| Net loans and leases to core deposits | 66.1769% | 4,073 |
| Total domestic deposits to total assets | 87.4914% | 1,339 |
| Equity capital to assets | 10.7494% | 3,096 |
| Core capital (leverage) ratio | 10.8137% | 2,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,995,500 | 4,727 |
| Average earning assets | $45,924,000 | 4,707 |
| Average equity | $5,548,000 | 4,778 |
| Average total loans | $30,652,000 | 4,580 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1189% | 1,179 |
| Cost of funding earning assets | 0.7336% | 3,005 |
| Net interest margin | 4.3854% | 922 |
| Noninterest income to average assets | 0.2380% | 4,249 |
| Noninterest expense to average assets | 2.8884% | 2,326 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4517% | 1,183 |
| Return on assets (ROA) | 1.4517% | 1,243 |
| Pretax return on assets | 1.4517% | 1,976 |
| Return on Equity (ROE) | 12.3920% | 1,366 |
| Retained earnings to average equity (ytd only) | 4.1551% | 2,883 |
| Net charge-offs to loans | -0.3893% | 5,107 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5514% | 2,686 |
| Assets per employee ($millions) | 5.0643% | 2,498 |
| Cash dividends to net income (ytd only)* | 66.4697% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2722% | 296 |
| Loan loss allowance to noncurrent loans | 10,157.1429% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0154% | 4,581 |
| Noncurrent loans to loans | 0.0224% | 4,480 |
| Net loans and leases to total assets | 67.0923% | 2,815 |
| Net loans and leases to deposits | 78.0600% | 2,997 |
| Net loans and leases to core deposits | 81.3969% | 3,191 |
| Total domestic deposits to total assets | 85.9497% | 2,086 |
| Equity capital to assets | 11.9836% | 2,143 |
| Core capital (leverage) ratio | 11.6240% | 2,020 |
| Tier 1 risk-based capital ratio | 16.7254% | 2,148 |
| Total risk-based capital ratio | 17.9839% | 2,077 |
| Memoranda: | ||
| Average total assets | $46,635,200 | 4,804 |
| Average earning assets | $43,622,400 | 4,793 |
| Average equity | $5,463,200 | 4,831 |
| Average total loans | $31,598,600 | 4,610 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0508% | 1,416 |
| Cost of funding earning assets | 0.7064% | 3,188 |
| Net interest margin | 4.3443% | 1,066 |
| Noninterest income to average assets | 0.2473% | 4,259 |
| Noninterest expense to average assets | 2.3909% | 3,716 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.9474% | 440 |
| Return on assets (ROA) | 1.9474% | 457 |
| Pretax return on assets | 1.9474% | 775 |
| Return on Equity (ROE) | 16.7166% | 516 |
| Retained earnings to average equity (ytd only) | 13.0561% | 274 |
| Net charge-offs to loans | -0.4588% | 5,184 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1114% | 4,269 |
| Assets per employee ($millions) | 5.1328% | 2,412 |
| Cash dividends to net income (ytd only)* | 21.8984% | 2,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0772% | 403 |
| Loan loss allowance to noncurrent loans | 2,178.1250% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.0693% | 4,369 |
| Noncurrent loans to loans | 0.0954% | 4,221 |
| Net loans and leases to total assets | 71.1267% | 2,301 |
| Net loans and leases to deposits | 83.0603% | 2,559 |
| Net loans and leases to core deposits | 86.5569% | 2,862 |
| Total domestic deposits to total assets | 85.6326% | 2,151 |
| Equity capital to assets | 12.4819% | 1,922 |
| Core capital (leverage) ratio | 12.3721% | 1,643 |
| Tier 1 risk-based capital ratio | 16.9041% | 2,117 |
| Total risk-based capital ratio | 18.1618% | 2,055 |
| Memoranda: | ||
| Average total assets | $46,899,250 | 4,872 |
| Average earning assets | $44,163,750 | 4,851 |
| Average equity | $5,463,500 | 4,897 |
| Average total loans | $31,675,500 | 4,670 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9853% | 1,517 |
| Cost of funding earning assets | 0.6813% | 3,270 |
| Net interest margin | 4.3041% | 1,134 |
| Noninterest income to average assets | 0.2546% | 4,232 |
| Noninterest expense to average assets | 2.4186% | 3,692 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.8840% | 501 |
| Return on assets (ROA) | 1.8840% | 523 |
| Pretax return on assets | 1.8840% | 862 |
| Return on Equity (ROE) | 16.5589% | 517 |
| Retained earnings to average equity (ytd only) | 12.8294% | 316 |
| Net charge-offs to loans | -0.3156% | 5,188 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2130% | 4,223 |
| Assets per employee ($millions) | 4.6662% | 2,919 |
| Cash dividends to net income (ytd only)* | 22.5225% | 2,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0631% | 417 |
| Loan loss allowance to noncurrent loans | 31,850.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 4,793 |
| Noncurrent loans to loans | 0.0065% | 4,699 |
| Net loans and leases to total assets | 64.8043% | 3,259 |
| Net loans and leases to deposits | 75.2177% | 3,404 |
| Net loans and leases to core deposits | 78.1349% | 3,567 |
| Total domestic deposits to total assets | 86.1558% | 1,952 |
| Equity capital to assets | 11.9605% | 2,213 |
| Core capital (leverage) ratio | 11.5793% | 2,105 |
| Tier 1 risk-based capital ratio | 17.1473% | 2,043 |
| Total risk-based capital ratio | 18.4039% | 1,992 |
| Memoranda: | ||
| Average total assets | $47,134,000 | 4,909 |
| Average earning assets | $44,330,000 | 4,889 |
| Average equity | $5,362,670 | 4,941 |
| Average total loans | $31,049,330 | 4,716 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9328% | 1,515 |
| Cost of funding earning assets | 0.6763% | 3,170 |
| Net interest margin | 4.2565% | 1,179 |
| Noninterest income to average assets | 0.2533% | 4,199 |
| Noninterest expense to average assets | 2.4150% | 3,733 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8239% | 545 |
| Return on assets (ROA) | 1.8239% | 562 |
| Pretax return on assets | 1.8239% | 933 |
| Return on Equity (ROE) | 16.4462% | 538 |
| Retained earnings to average equity (ytd only) | 12.6392% | 524 |
| Net charge-offs to loans | -0.6295% | 5,285 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9721% | 4,218 |
| Assets per employee ($millions) | 5.0709% | 2,435 |
| Cash dividends to net income (ytd only)* | 23.1481% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0303% | 471 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 60.6145% | 3,646 |
| Net loans and leases to deposits | 69.3775% | 3,813 |
| Net loans and leases to core deposits | 71.8020% | 3,956 |
| Total domestic deposits to total assets | 87.3691% | 1,626 |
| Equity capital to assets | 10.6096% | 3,249 |
| Core capital (leverage) ratio | 10.6548% | 2,891 |
| Tier 1 risk-based capital ratio | 14.3447% | 3,174 |
| Total risk-based capital ratio | 15.5999% | 3,101 |
| Memoranda: | ||
| Average total assets | $47,370,000 | 4,948 |
| Average earning assets | $44,356,000 | 4,936 |
| Average equity | $5,253,500 | 4,997 |
| Average total loans | $31,136,000 | 4,769 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9184% | 1,236 |
| Cost of funding earning assets | 0.6611% | 2,313 |
| Net interest margin | 4.2573% | 1,254 |
| Noninterest income to average assets | 0.2804% | 4,226 |
| Noninterest expense to average assets | 2.7378% | 2,903 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.4953% | 1,133 |
| Return on assets (ROA) | 1.4379% | 1,303 |
| Pretax return on assets | 1.4379% | 1,998 |
| Return on Equity (ROE) | 12.9922% | 1,354 |
| Retained earnings to average equity (ytd only) | 4.3563% | 3,147 |
| Net charge-offs to loans | -0.2300% | 5,283 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6764% | 3,088 |
| Assets per employee ($millions) | 4.4031% | 3,303 |
| Cash dividends to net income (ytd only)* | 66.4697% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9063% | 567 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 68.8356% | 2,759 |
| Net loans and leases to deposits | 80.5212% | 2,896 |
| Net loans and leases to core deposits | 83.9003% | 3,102 |
| Total domestic deposits to total assets | 85.4875% | 2,440 |
| Equity capital to assets | 11.6441% | 2,143 |
| Core capital (leverage) ratio | 10.9688% | 2,554 |
| Tier 1 risk-based capital ratio | 15.9025% | 2,442 |
| Total risk-based capital ratio | 17.1563% | 2,379 |
| Memoranda: | ||
| Average total assets | $47,082,000 | 4,991 |
| Average earning assets | $43,713,000 | 4,980 |
| Average equity | $5,210,800 | 5,018 |
| Average total loans | $30,867,000 | 4,797 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6943% | 1,695 |
| Cost of funding earning assets | 0.6050% | 2,436 |
| Net interest margin | 4.0893% | 1,661 |
| Noninterest income to average assets | 0.2759% | 4,308 |
| Noninterest expense to average assets | 2.2768% | 4,158 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.8225% | 581 |
| Return on assets (ROA) | 1.8309% | 572 |
| Pretax return on assets | 1.8309% | 940 |
| Return on Equity (ROE) | 16.7435% | 578 |
| Retained earnings to average equity (ytd only) | 12.9207% | 371 |
| Net charge-offs to loans | -0.5012% | 5,399 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5404% | 4,442 |
| Assets per employee ($millions) | 4.8573% | 2,652 |
| Cash dividends to net income (ytd only)* | 22.8316% | 2,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8871% | 611 |
| Loan loss allowance to noncurrent loans | 688.0435% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.1894% | 3,991 |
| Noncurrent loans to loans | 0.2743% | 3,701 |
| Net loans and leases to total assets | 67.7537% | 2,980 |
| Net loans and leases to deposits | 87.3477% | 2,229 |
| Net loans and leases to core deposits | 90.9971% | 2,562 |
| Total domestic deposits to total assets | 77.5678% | 4,551 |
| Equity capital to assets | 11.2388% | 2,437 |
| Core capital (leverage) ratio | 11.3851% | 2,260 |
| Tier 1 risk-based capital ratio | 16.0715% | 2,420 |
| Total risk-based capital ratio | 17.3267% | 2,361 |
| Memoranda: | ||
| Average total assets | $47,844,750 | 5,031 |
| Average earning assets | $44,734,000 | 5,015 |
| Average equity | $5,231,750 | 5,071 |
| Average total loans | $30,859,250 | 4,851 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6785% | 1,557 |
| Cost of funding earning assets | 0.5752% | 2,398 |
| Net interest margin | 4.1034% | 1,546 |
| Noninterest income to average assets | 0.2983% | 4,183 |
| Noninterest expense to average assets | 2.1932% | 4,387 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.9117% | 457 |
| Return on assets (ROA) | 1.9579% | 409 |
| Pretax return on assets | 1.9579% | 668 |
| Return on Equity (ROE) | 18.0760% | 413 |
| Retained earnings to average equity (ytd only) | 14.1971% | 260 |
| Net charge-offs to loans | -0.6207% | 5,459 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4289% | 4,745 |
| Assets per employee ($millions) | 4.8384% | 2,633 |
| Cash dividends to net income (ytd only)* | 21.4592% | 2,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9119% | 618 |
| Loan loss allowance to noncurrent loans | 488.0000% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.2583% | 3,733 |
| Noncurrent loans to loans | 0.3918% | 3,292 |
| Net loans and leases to total assets | 64.6805% | 3,320 |
| Net loans and leases to deposits | 77.6416% | 3,190 |
| Net loans and leases to core deposits | 80.6572% | 3,359 |
| Total domestic deposits to total assets | 83.3065% | 3,320 |
| Equity capital to assets | 11.0284% | 2,614 |
| Core capital (leverage) ratio | 11.1687% | 2,371 |
| Tier 1 risk-based capital ratio | 16.3621% | 2,306 |
| Total risk-based capital ratio | 17.6188% | 2,250 |
| Memoranda: | ||
| Average total assets | $47,602,000 | 5,097 |
| Average earning assets | $44,159,000 | 5,087 |
| Average equity | $5,156,000 | 5,140 |
| Average total loans | $29,964,670 | 4,928 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5358% | 1,756 |
| Cost of funding earning assets | 0.5739% | 2,224 |
| Net interest margin | 3.9619% | 1,839 |
| Noninterest income to average assets | 0.3050% | 4,124 |
| Noninterest expense to average assets | 2.2791% | 4,230 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6522% | 761 |
| Return on assets (ROA) | 1.7454% | 631 |
| Pretax return on assets | 1.7454% | 1,013 |
| Return on Equity (ROE) | 16.2653% | 583 |
| Retained earnings to average equity (ytd only) | 12.3174% | 626 |
| Net charge-offs to loans | -0.4001% | 5,482 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9741% | 4,344 |
| Assets per employee ($millions) | 4.9632% | 2,531 |
| Cash dividends to net income (ytd only)* | 24.2718% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8956% | 659 |
| Loan loss allowance to noncurrent loans | 137.8788% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 1.4829% | 944 |
| Noncurrent loans to loans | 1.3749% | 1,305 |
| Net loans and leases to total assets | 56.9330% | 4,033 |
| Net loans and leases to deposits | 65.5311% | 4,121 |
| Net loans and leases to core deposits | 68.3841% | 4,197 |
| Total domestic deposits to total assets | 86.8794% | 2,175 |
| Equity capital to assets | 10.3401% | 3,228 |
| Core capital (leverage) ratio | 10.3368% | 3,137 |
| Tier 1 risk-based capital ratio | 14.4891% | 3,126 |
| Total risk-based capital ratio | 15.7394% | 3,034 |
| Memoranda: | ||
| Average total assets | $47,211,000 | 5,165 |
| Average earning assets | $43,212,000 | 5,160 |
| Average equity | $5,066,000 | 5,208 |
| Average total loans | $28,994,500 | 4,992 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3337% | 2,225 |
| Cost of funding earning assets | 0.5792% | 1,746 |
| Net interest margin | 3.7545% | 2,582 |
| Noninterest income to average assets | 0.2408% | 4,692 |
| Noninterest expense to average assets | 2.9963% | 2,176 |
| Loan and lease loss provision to assets | 0.1094% | 2,058 |
| Net operating income to assets | 0.6391% | 3,858 |
| Return on assets (ROA) | 0.8514% | 2,969 |
| Pretax return on assets | 0.8514% | 4,087 |
| Return on Equity (ROE) | 7.7256% | 2,933 |
| Retained earnings to average equity (ytd only) | 1.7676% | 4,256 |
| Net charge-offs to loans | 0.3344% | 759 |
| Credit loss provision to net charge-offs | 52.0833% | 3,303 |
| Earnings coverage of net charge-offs (x) | 3.5625% | 3,588 |
| Efficiency ratio | 80.0117% | 1,099 |
| Assets per employee ($millions) | 4.4790% | 3,216 |
| Cash dividends to net income (ytd only)* | 77.1208% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7748% | 818 |
| Loan loss allowance to noncurrent loans | 85.4785% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 1.3530% | 1,056 |
| Noncurrent loans to loans | 2.0763% | 726 |
| Net loans and leases to total assets | 64.0054% | 3,367 |
| Net loans and leases to deposits | 74.6893% | 3,456 |
| Net loans and leases to core deposits | 78.3900% | 3,557 |
| Total domestic deposits to total assets | 85.6955% | 2,577 |
| Equity capital to assets | 11.1632% | 2,474 |
| Core capital (leverage) ratio | 11.0749% | 2,260 |
| Tier 1 risk-based capital ratio | 15.7472% | 2,537 |
| Total risk-based capital ratio | 17.0010% | 2,476 |
| Memoranda: | ||
| Average total assets | $45,689,200 | 5,236 |
| Average earning assets | $42,642,400 | 5,217 |
| Average equity | $5,035,200 | 5,269 |
| Average total loans | $28,709,800 | 5,053 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1618% | 2,746 |
| Cost of funding earning assets | 0.5611% | 1,800 |
| Net interest margin | 3.6007% | 3,147 |
| Noninterest income to average assets | 0.2439% | 4,744 |
| Noninterest expense to average assets | 2.6425% | 3,275 |
| Loan and lease loss provision to assets | 0.1452% | 1,449 |
| Net operating income to assets | 0.8479% | 3,280 |
| Return on assets (ROA) | 1.1500% | 1,930 |
| Pretax return on assets | 1.1500% | 3,116 |
| Return on Equity (ROE) | 10.4677% | 1,919 |
| Retained earnings to average equity (ytd only) | 6.5026% | 1,957 |
| Net charge-offs to loans | -0.0513% | 5,171 |
| Credit loss provision to net charge-offs | -454.5455% | 4,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6837% | 2,101 |
| Assets per employee ($millions) | 4.5632% | 3,027 |
| Cash dividends to net income (ytd only)* | 37.8795% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1200% | 468 |
| Loan loss allowance to noncurrent loans | 89.0313% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 1.5384% | 975 |
| Noncurrent loans to loans | 2.3812% | 659 |
| Net loans and leases to total assets | 63.2363% | 3,524 |
| Net loans and leases to deposits | 75.7793% | 3,394 |
| Net loans and leases to core deposits | 79.5545% | 3,483 |
| Total domestic deposits to total assets | 83.4480% | 3,308 |
| Equity capital to assets | 11.4065% | 2,459 |
| Core capital (leverage) ratio | 11.5972% | 1,952 |
| Tier 1 risk-based capital ratio | 15.3245% | 2,783 |
| Total risk-based capital ratio | 16.5819% | 2,719 |
| Memoranda: | ||
| Average total assets | $45,914,000 | 5,287 |
| Average earning assets | $43,249,750 | 5,259 |
| Average equity | $5,044,000 | 5,326 |
| Average total loans | $28,590,750 | 5,110 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0879% | 2,866 |
| Cost of funding earning assets | 0.5509% | 1,771 |
| Net interest margin | 3.5370% | 3,265 |
| Noninterest income to average assets | 0.2521% | 4,732 |
| Noninterest expense to average assets | 2.6387% | 3,315 |
| Loan and lease loss provision to assets | 0.2174% | 815 |
| Net operating income to assets | 0.7173% | 3,762 |
| Return on assets (ROA) | 1.0389% | 2,294 |
| Pretax return on assets | 1.0389% | 3,408 |
| Return on Equity (ROE) | 9.5785% | 2,229 |
| Retained earnings to average equity (ytd only) | 5.5708% | 2,372 |
| Net charge-offs to loans | -0.0495% | 5,171 |
| Credit loss provision to net charge-offs | -714.2857% | 4,751 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8443% | 2,042 |
| Assets per employee ($millions) | 4.6301% | 2,891 |
| Cash dividends to net income (ytd only)* | 41.8410% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1936% | 443 |
| Loan loss allowance to noncurrent loans | 103.5000% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 1.2959% | 1,280 |
| Noncurrent loans to loans | 2.1195% | 781 |
| Net loans and leases to total assets | 59.8000% | 3,864 |
| Net loans and leases to deposits | 69.4649% | 3,950 |
| Net loans and leases to core deposits | 72.8019% | 4,034 |
| Total domestic deposits to total assets | 86.0867% | 2,340 |
| Equity capital to assets | 11.0257% | 2,780 |
| Core capital (leverage) ratio | 10.9791% | 2,433 |
| Tier 1 risk-based capital ratio | 15.0265% | 2,914 |
| Total risk-based capital ratio | 16.2822% | 2,852 |
| Memoranda: | ||
| Average total assets | $46,008,000 | 5,327 |
| Average earning assets | $43,200,670 | 5,304 |
| Average equity | $4,990,330 | 5,372 |
| Average total loans | $28,294,000 | 5,159 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0837% | 2,706 |
| Cost of funding earning assets | 0.5339% | 1,834 |
| Net interest margin | 3.5499% | 3,086 |
| Noninterest income to average assets | 0.2355% | 4,856 |
| Noninterest expense to average assets | 2.5119% | 3,772 |
| Loan and lease loss provision to assets | 0.4361% | 248 |
| Net operating income to assets | 0.5931% | 4,192 |
| Return on assets (ROA) | 0.5931% | 4,239 |
| Pretax return on assets | 0.5931% | 4,746 |
| Return on Equity (ROE) | 5.5139% | 4,140 |
| Retained earnings to average equity (ytd only) | 1.4596% | 4,521 |
| Net charge-offs to loans | -0.0424% | 5,109 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9360% | 2,751 |
| Assets per employee ($millions) | 4.8767% | 2,599 |
| Cash dividends to net income (ytd only)* | 73.5294% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2370% | 448 |
| Loan loss allowance to noncurrent loans | 20,566.6667% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.0062% | 5,345 |
| Noncurrent loans to loans | 0.0109% | 5,199 |
| Net loans and leases to total assets | 55.2915% | 4,224 |
| Net loans and leases to deposits | 63.6965% | 4,324 |
| Net loans and leases to core deposits | 66.5613% | 4,392 |
| Total domestic deposits to total assets | 86.8046% | 2,308 |
| Equity capital to assets | 10.1544% | 3,566 |
| Core capital (leverage) ratio | 10.5675% | 2,826 |
| Tier 1 risk-based capital ratio | 14.2898% | 3,322 |
| Total risk-based capital ratio | 15.5448% | 3,240 |
| Memoranda: | ||
| Average total assets | $45,861,500 | 5,389 |
| Average earning assets | $42,706,000 | 5,376 |
| Average equity | $4,933,000 | 5,429 |
| Average total loans | $28,286,500 | 5,210 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4655% | 1,645 |
| Cost of funding earning assets | 0.5346% | 1,834 |
| Net interest margin | 3.9309% | 1,853 |
| Noninterest income to average assets | 0.2502% | 4,925 |
| Noninterest expense to average assets | 3.0910% | 2,066 |
| Loan and lease loss provision to assets | 0.2047% | 1,113 |
| Net operating income to assets | 0.6505% | 3,998 |
| Return on assets (ROA) | 0.6596% | 4,070 |
| Pretax return on assets | 0.6596% | 4,625 |
| Return on Equity (ROE) | 5.7474% | 4,096 |
| Retained earnings to average equity (ytd only) | -0.1982% | 5,335 |
| Net charge-offs to loans | -0.0606% | 5,450 |
| Credit loss provision to net charge-offs | -500.0000% | 5,166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3285% | 1,649 |
| Assets per employee ($millions) | 4.2956% | 3,439 |
| Cash dividends to net income (ytd only)* | 103.4483% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9454% | 732 |
| Loan loss allowance to noncurrent loans | 14,100.0000% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0093% | 5,371 |
| Noncurrent loans to loans | 0.0138% | 5,220 |
| Net loans and leases to total assets | 66.1793% | 3,047 |
| Net loans and leases to deposits | 77.7720% | 3,129 |
| Net loans and leases to core deposits | 81.1417% | 3,298 |
| Total domestic deposits to total assets | 85.0940% | 3,006 |
| Equity capital to assets | 11.4396% | 2,218 |
| Core capital (leverage) ratio | 11.2965% | 2,087 |
| Tier 1 risk-based capital ratio | 13.8193% | 3,568 |
| Total risk-based capital ratio | 15.0710% | 3,476 |
| Memoranda: | ||
| Average total assets | $43,966,800 | 5,469 |
| Average earning assets | $41,339,200 | 5,436 |
| Average equity | $5,045,800 | 5,460 |
| Average total loans | $29,695,000 | 5,197 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3625% | 1,966 |
| Cost of funding earning assets | 0.5028% | 2,083 |
| Net interest margin | 3.8597% | 2,116 |
| Noninterest income to average assets | 0.2503% | 4,968 |
| Noninterest expense to average assets | 2.6232% | 3,589 |
| Loan and lease loss provision to assets | 0.2714% | 657 |
| Net operating income to assets | 1.0131% | 2,373 |
| Return on assets (ROA) | 1.0191% | 2,471 |
| Pretax return on assets | 1.0191% | 3,557 |
| Return on Equity (ROE) | 8.8734% | 2,566 |
| Retained earnings to average equity (ytd only) | 4.9355% | 2,874 |
| Net charge-offs to loans | -0.0625% | 5,432 |
| Credit loss provision to net charge-offs | -642.8571% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1296% | 3,400 |
| Assets per employee ($millions) | 4.5085% | 3,072 |
| Cash dividends to net income (ytd only)* | 44.3794% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7677% | 1,072 |
| Loan loss allowance to noncurrent loans | 14,000.0000% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 5,494 |
| Noncurrent loans to loans | 0.0126% | 5,348 |
| Net loans and leases to total assets | 69.0252% | 2,637 |
| Net loans and leases to deposits | 88.6130% | 1,939 |
| Net loans and leases to core deposits | 92.6053% | 2,322 |
| Total domestic deposits to total assets | 77.8951% | 4,930 |
| Equity capital to assets | 11.5338% | 2,486 |
| Core capital (leverage) ratio | 12.1023% | 1,602 |
| Tier 1 risk-based capital ratio | 12.9188% | 4,214 |
| Total risk-based capital ratio | 14.1699% | 4,124 |
| Memoranda: | ||
| Average total assets | $44,219,500 | 5,515 |
| Average earning assets | $41,901,500 | 5,482 |
| Average equity | $5,078,750 | 5,515 |
| Average total loans | $29,870,750 | 5,240 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3442% | 2,004 |
| Cost of funding earning assets | 0.4923% | 2,167 |
| Net interest margin | 3.8519% | 2,128 |
| Noninterest income to average assets | 0.2458% | 5,012 |
| Noninterest expense to average assets | 2.7088% | 3,364 |
| Loan and lease loss provision to assets | 0.4097% | 368 |
| Net operating income to assets | 0.7603% | 3,504 |
| Return on assets (ROA) | 0.7694% | 3,595 |
| Pretax return on assets | 0.7694% | 4,394 |
| Return on Equity (ROE) | 6.7086% | 3,694 |
| Retained earnings to average equity (ytd only) | 2.7390% | 4,163 |
| Net charge-offs to loans | -0.0547% | 5,405 |
| Credit loss provision to net charge-offs | -1,125.0000% | 5,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8357% | 3,005 |
| Assets per employee ($millions) | 4.5055% | 3,017 |
| Cash dividends to net income (ytd only)* | 59.1716% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7960% | 1,083 |
| Loan loss allowance to noncurrent loans | 13,850.0000% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 5,591 |
| Noncurrent loans to loans | 0.0130% | 5,439 |
| Net loans and leases to total assets | 67.2334% | 2,905 |
| Net loans and leases to deposits | 82.7944% | 2,617 |
| Net loans and leases to core deposits | 86.1890% | 2,878 |
| Total domestic deposits to total assets | 81.2052% | 4,216 |
| Equity capital to assets | 11.3128% | 2,730 |
| Core capital (leverage) ratio | 11.2948% | 2,153 |
| Tier 1 risk-based capital ratio | 12.7716% | 4,333 |
| Total risk-based capital ratio | 14.0223% | 4,244 |
| Memoranda: | ||
| Average total assets | $43,931,000 | 5,584 |
| Average earning assets | $41,434,330 | 5,551 |
| Average equity | $5,038,330 | 5,578 |
| Average total loans | $29,267,670 | 5,322 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3047% | 2,118 |
| Cost of funding earning assets | 0.5001% | 2,106 |
| Net interest margin | 3.8046% | 2,268 |
| Noninterest income to average assets | 0.2675% | 4,819 |
| Noninterest expense to average assets | 2.8500% | 2,890 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9961% | 2,295 |
| Return on assets (ROA) | 1.0053% | 2,368 |
| Pretax return on assets | 1.0053% | 3,461 |
| Return on Equity (ROE) | 8.7043% | 2,556 |
| Retained earnings to average equity (ytd only) | 4.7115% | 3,111 |
| Net charge-offs to loans | -0.0843% | 5,567 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1007% | 2,461 |
| Assets per employee ($millions) | 4.4577% | 3,146 |
| Cash dividends to net income (ytd only)* | 45.8716% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6441% | 1,494 |
| Loan loss allowance to noncurrent loans | 5,133.3333% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0202% | 5,566 |
| Noncurrent loans to loans | 0.0320% | 5,363 |
| Net loans and leases to total assets | 62.0006% | 3,527 |
| Net loans and leases to deposits | 70.7379% | 3,782 |
| Net loans and leases to core deposits | 73.4389% | 3,943 |
| Total domestic deposits to total assets | 87.6483% | 1,832 |
| Equity capital to assets | 11.3040% | 2,621 |
| Core capital (leverage) ratio | 10.8264% | 2,596 |
| Tier 1 risk-based capital ratio | 13.7449% | 3,839 |
| Total risk-based capital ratio | 14.9949% | 3,775 |
| Memoranda: | ||
| Average total assets | $43,369,000 | 5,648 |
| Average earning assets | $40,792,500 | 5,619 |
| Average equity | $5,009,000 | 5,623 |
| Average total loans | $28,478,500 | 5,398 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3158% | 2,172 |
| Cost of funding earning assets | 0.4955% | 2,195 |
| Net interest margin | 3.8203% | 2,307 |
| Noninterest income to average assets | 0.7695% | 1,900 |
| Noninterest expense to average assets | 3.0387% | 2,420 |
| Loan and lease loss provision to assets | 0.3235% | 504 |
| Net operating income to assets | 0.9705% | 2,522 |
| Return on assets (ROA) | 0.9289% | 2,799 |
| Pretax return on assets | 0.9289% | 3,731 |
| Return on Equity (ROE) | 8.0073% | 2,952 |
| Retained earnings to average equity (ytd only) | 1.5337% | 4,847 |
| Net charge-offs to loans | 0.3823% | 750 |
| Credit loss provision to net charge-offs | 134.6154% | 1,945 |
| Earnings coverage of net charge-offs (x) | 5.3846% | 3,400 |
| Efficiency ratio | 70.1333% | 3,200 |
| Assets per employee ($millions) | 4.2161% | 3,542 |
| Cash dividends to net income (ytd only)* | 80.8458% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5802% | 1,677 |
| Loan loss allowance to noncurrent loans | 7,600.0000% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 5,644 |
| Noncurrent loans to loans | 0.0208% | 5,435 |
| Net loans and leases to total assets | 67.3632% | 2,809 |
| Net loans and leases to deposits | 77.7577% | 3,080 |
| Net loans and leases to core deposits | 81.0508% | 3,239 |
| Total domestic deposits to total assets | 86.6322% | 2,305 |
| Equity capital to assets | 11.8095% | 2,100 |
| Core capital (leverage) ratio | 10.8645% | 2,538 |
| Tier 1 risk-based capital ratio | 14.7887% | 3,282 |
| Total risk-based capital ratio | 16.0390% | 3,215 |
| Memoranda: | ||
| Average total assets | $43,275,000 | 5,699 |
| Average earning assets | $40,363,400 | 5,667 |
| Average equity | $5,020,400 | 5,649 |
| Average total loans | $27,204,600 | 5,470 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1951% | 2,590 |
| Cost of funding earning assets | 0.4814% | 2,398 |
| Net interest margin | 3.7137% | 2,707 |
| Noninterest income to average assets | 0.2816% | 4,931 |
| Noninterest expense to average assets | 2.5164% | 4,140 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2368% | 1,535 |
| Return on assets (ROA) | 1.2368% | 1,591 |
| Pretax return on assets | 1.2368% | 2,670 |
| Return on Equity (ROE) | 10.7072% | 1,821 |
| Retained earnings to average equity (ytd only) | 7.3943% | 1,502 |
| Net charge-offs to loans | 0.0050% | 3,999 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 405.0000% | 187 |
| Efficiency ratio | 67.0473% | 3,698 |
| Assets per employee ($millions) | 4.5679% | 2,892 |
| Cash dividends to net income (ytd only)* | 30.9403% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4132% | 2,533 |
| Loan loss allowance to noncurrent loans | 3,818.1818% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0241% | 5,703 |
| Noncurrent loans to loans | 0.0370% | 5,471 |
| Net loans and leases to total assets | 64.1411% | 3,290 |
| Net loans and leases to deposits | 84.4863% | 2,344 |
| Net loans and leases to core deposits | 88.2527% | 2,637 |
| Total domestic deposits to total assets | 75.9189% | 5,498 |
| Equity capital to assets | 11.3137% | 2,690 |
| Core capital (leverage) ratio | 11.5157% | 2,020 |
| Tier 1 risk-based capital ratio | 15.3232% | 3,130 |
| Total risk-based capital ratio | 16.5709% | 3,058 |
| Memoranda: | ||
| Average total assets | $43,553,500 | 5,770 |
| Average earning assets | $40,713,500 | 5,733 |
| Average equity | $5,030,750 | 5,718 |
| Average total loans | $26,791,500 | 5,549 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1895% | 2,580 |
| Cost of funding earning assets | 0.4857% | 2,383 |
| Net interest margin | 3.7038% | 2,690 |
| Noninterest income to average assets | 0.2474% | 5,180 |
| Noninterest expense to average assets | 2.4414% | 4,424 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2230% | 1,533 |
| Return on assets (ROA) | 1.2230% | 1,609 |
| Pretax return on assets | 1.2230% | 2,686 |
| Return on Equity (ROE) | 10.5115% | 1,846 |
| Retained earnings to average equity (ytd only) | 7.5025% | 1,477 |
| Net charge-offs to loans | 0.0077% | 3,622 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 262.0000% | 262 |
| Efficiency ratio | 66.6242% | 3,893 |
| Assets per employee ($millions) | 4.7029% | 2,675 |
| Cash dividends to net income (ytd only)* | 28.6260% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5931% | 1,930 |
| Loan loss allowance to noncurrent loans | 3,818.1818% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0260% | 5,783 |
| Noncurrent loans to loans | 0.0417% | 5,578 |
| Net loans and leases to total assets | 61.2933% | 3,653 |
| Net loans and leases to deposits | 71.6816% | 3,747 |
| Net loans and leases to core deposits | 74.0382% | 3,956 |
| Total domestic deposits to total assets | 85.5077% | 2,917 |
| Equity capital to assets | 11.9407% | 2,075 |
| Core capital (leverage) ratio | 11.7527% | 1,805 |
| Tier 1 risk-based capital ratio | 14.8932% | 3,420 |
| Total risk-based capital ratio | 16.1308% | 3,355 |
| Memoranda: | ||
| Average total assets | $42,845,000 | 5,850 |
| Average earning assets | $39,527,000 | 5,828 |
| Average equity | $4,985,000 | 5,780 |
| Average total loans | $25,815,670 | 5,640 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1432% | 2,660 |
| Cost of funding earning assets | 0.4910% | 2,369 |
| Net interest margin | 3.6521% | 2,806 |
| Noninterest income to average assets | 0.2320% | 5,302 |
| Noninterest expense to average assets | 2.4870% | 4,307 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0579% | 2,006 |
| Return on assets (ROA) | 1.0579% | 2,135 |
| Pretax return on assets | 1.0579% | 3,270 |
| Return on Equity (ROE) | 9.2112% | 2,358 |
| Retained earnings to average equity (ytd only) | 7.1912% | 1,928 |
| Net charge-offs to loans | -0.0157% | 4,933 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1571% | 3,462 |
| Assets per employee ($millions) | 4.9181% | 2,465 |
| Cash dividends to net income (ytd only)* | 21.9298% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6646% | 1,837 |
| Loan loss allowance to noncurrent loans | 3,827.2727% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0249% | 5,839 |
| Noncurrent loans to loans | 0.0435% | 5,607 |
| Net loans and leases to total assets | 56.1891% | 4,181 |
| Net loans and leases to deposits | 64.1154% | 4,360 |
| Net loans and leases to core deposits | 66.7499% | 4,449 |
| Total domestic deposits to total assets | 87.6375% | 2,021 |
| Equity capital to assets | 11.2803% | 2,671 |
| Core capital (leverage) ratio | 10.9992% | 2,413 |
| Tier 1 risk-based capital ratio | 15.4522% | 3,171 |
| Total risk-based capital ratio | 16.7025% | 3,110 |
| Memoranda: | ||
| Average total assets | $43,104,500 | 5,892 |
| Average earning assets | $39,100,500 | 5,894 |
| Average equity | $4,950,500 | 5,846 |
| Average total loans | $25,542,000 | 5,697 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5533% | 1,684 |
| Cost of funding earning assets | 0.5097% | 2,575 |
| Net interest margin | 4.0436% | 1,761 |
| Noninterest income to average assets | 0.2795% | 5,116 |
| Noninterest expense to average assets | 2.9442% | 3,017 |
| Loan and lease loss provision to assets | 0.4737% | 338 |
| Net operating income to assets | 0.5258% | 4,701 |
| Return on assets (ROA) | 0.7414% | 3,775 |
| Pretax return on assets | 0.7414% | 4,472 |
| Return on Equity (ROE) | 6.4247% | 3,944 |
| Retained earnings to average equity (ytd only) | 2.3195% | 4,577 |
| Net charge-offs to loans | 0.7853% | 449 |
| Credit loss provision to net charge-offs | 99.5025% | 2,445 |
| Earnings coverage of net charge-offs (x) | 2.0995% | 4,245 |
| Efficiency ratio | 74.6547% | 2,725 |
| Assets per employee ($millions) | 4.6607% | 2,778 |
| Cash dividends to net income (ytd only)* | 63.8978% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6323% | 1,981 |
| Loan loss allowance to noncurrent loans | 1,238.2353% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.0811% | 5,705 |
| Noncurrent loans to loans | 0.1318% | 5,371 |
| Net loans and leases to total assets | 60.4849% | 3,726 |
| Net loans and leases to deposits | 70.7383% | 3,810 |
| Net loans and leases to core deposits | 73.8409% | 3,931 |
| Total domestic deposits to total assets | 85.5052% | 3,077 |
| Equity capital to assets | 11.7008% | 2,258 |
| Core capital (leverage) ratio | 11.5964% | 1,903 |
| Tier 1 risk-based capital ratio | 15.1036% | 3,436 |
| Total risk-based capital ratio | 16.3046% | 3,401 |
| Memoranda: | ||
| Average total assets | $42,218,800 | 5,980 |
| Average earning assets | $38,258,000 | 5,975 |
| Average equity | $4,871,800 | 5,889 |
| Average total loans | $25,596,600 | 5,752 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4662% | 1,992 |
| Cost of funding earning assets | 0.5115% | 2,644 |
| Net interest margin | 3.9547% | 2,019 |
| Noninterest income to average assets | 0.2743% | 5,245 |
| Noninterest expense to average assets | 2.6863% | 3,869 |
| Loan and lease loss provision to assets | 0.6306% | 211 |
| Net operating income to assets | 0.5896% | 4,482 |
| Return on assets (ROA) | 0.7914% | 3,566 |
| Pretax return on assets | 0.7914% | 4,390 |
| Return on Equity (ROE) | 6.8821% | 3,770 |
| Retained earnings to average equity (ytd only) | 3.4548% | 4,171 |
| Net charge-offs to loans | 0.9446% | 336 |
| Credit loss provision to net charge-offs | 110.4972% | 2,034 |
| Earnings coverage of net charge-offs (x) | 2.1381% | 3,984 |
| Efficiency ratio | 68.7651% | 3,714 |
| Assets per employee ($millions) | 4.6366% | 2,753 |
| Cash dividends to net income (ytd only)* | 49.7998% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6630% | 2,087 |
| Loan loss allowance to noncurrent loans | 450.0000% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.2348% | 5,274 |
| Noncurrent loans to loans | 0.3695% | 4,804 |
| Net loans and leases to total assets | 62.4937% | 3,405 |
| Net loans and leases to deposits | 76.1713% | 3,167 |
| Net loans and leases to core deposits | 79.1129% | 3,428 |
| Total domestic deposits to total assets | 82.0437% | 4,462 |
| Equity capital to assets | 11.7928% | 2,222 |
| Core capital (leverage) ratio | 11.7342% | 1,881 |
| Tier 1 risk-based capital ratio | 14.6305% | 3,798 |
| Total risk-based capital ratio | 15.8327% | 3,773 |
| Memoranda: | ||
| Average total assets | $42,287,000 | 6,046 |
| Average earning assets | $38,838,750 | 6,027 |
| Average equity | $4,862,750 | 5,949 |
| Average total loans | $25,547,750 | 5,813 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4856% | 1,878 |
| Cost of funding earning assets | 0.5231% | 2,607 |
| Net interest margin | 3.9624% | 1,925 |
| Noninterest income to average assets | 0.2731% | 5,244 |
| Noninterest expense to average assets | 2.7971% | 3,522 |
| Loan and lease loss provision to assets | 0.3532% | 505 |
| Net operating income to assets | 0.7252% | 3,700 |
| Return on assets (ROA) | 1.0877% | 2,037 |
| Pretax return on assets | 1.0877% | 3,143 |
| Return on Equity (ROE) | 9.5389% | 2,359 |
| Retained earnings to average equity (ytd only) | 5.4095% | 2,694 |
| Net charge-offs to loans | 0.4202% | 972 |
| Credit loss provision to net charge-offs | 141.5094% | 1,515 |
| Earnings coverage of net charge-offs (x) | 4.3208% | 3,133 |
| Efficiency ratio | 72.1750% | 3,299 |
| Assets per employee ($millions) | 4.7018% | 2,605 |
| Cash dividends to net income (ytd only)* | 43.2900% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7022% | 2,130 |
| Loan loss allowance to noncurrent loans | 1,644.4444% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.0638% | 5,985 |
| Noncurrent loans to loans | 0.1035% | 5,705 |
| Net loans and leases to total assets | 60.5917% | 3,620 |
| Net loans and leases to deposits | 69.4851% | 3,884 |
| Net loans and leases to core deposits | 71.9618% | 4,054 |
| Total domestic deposits to total assets | 87.2011% | 2,347 |
| Equity capital to assets | 11.6504% | 2,282 |
| Core capital (leverage) ratio | 11.2062% | 2,236 |
| Tier 1 risk-based capital ratio | 15.0958% | 3,581 |
| Total risk-based capital ratio | 16.3257% | 3,535 |
| Memoranda: | ||
| Average total assets | $42,473,000 | 6,092 |
| Average earning assets | $38,612,670 | 6,088 |
| Average equity | $4,843,330 | 5,991 |
| Average total loans | $25,224,000 | 5,871 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6673% | 1,331 |
| Cost of funding earning assets | 0.5244% | 2,666 |
| Net interest margin | 4.1428% | 1,361 |
| Noninterest income to average assets | 0.2632% | 5,254 |
| Noninterest expense to average assets | 2.5757% | 4,358 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4007% | 984 |
| Return on assets (ROA) | 1.3443% | 1,159 |
| Pretax return on assets | 1.3443% | 1,936 |
| Return on Equity (ROE) | 11.9167% | 1,432 |
| Retained earnings to average equity (ytd only) | 7.7500% | 1,702 |
| Net charge-offs to loans | 0.2581% | 1,299 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 9.3125% | 1,946 |
| Efficiency ratio | 64.7754% | 4,732 |
| Assets per employee ($millions) | 4.9351% | 2,330 |
| Cash dividends to net income (ytd only)* | 34.9650% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6654% | 2,455 |
| Loan loss allowance to noncurrent loans | 828.5714% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.1103% | 5,923 |
| Noncurrent loans to loans | 0.2010% | 5,492 |
| Net loans and leases to total assets | 53.9715% | 4,426 |
| Net loans and leases to deposits | 61.7390% | 4,579 |
| Net loans and leases to core deposits | 63.8198% | 4,703 |
| Total domestic deposits to total assets | 87.4189% | 2,554 |
| Equity capital to assets | 10.9735% | 2,739 |
| Core capital (leverage) ratio | 10.7951% | 2,605 |
| Tier 1 risk-based capital ratio | 15.7171% | 3,320 |
| Total risk-based capital ratio | 16.9461% | 3,296 |
| Memoranda: | ||
| Average total assets | $42,551,500 | 6,156 |
| Average earning assets | $38,138,000 | 6,168 |
| Average equity | $4,800,000 | 6,046 |
| Average total loans | $24,794,000 | 5,945 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3974% | 2,600 |
| Cost of funding earning assets | 0.5648% | 2,976 |
| Net interest margin | 3.8326% | 2,528 |
| Noninterest income to average assets | 0.3288% | 4,986 |
| Noninterest expense to average assets | 2.9370% | 3,241 |
| Loan and lease loss provision to assets | 0.7494% | 295 |
| Net operating income to assets | 0.1692% | 5,891 |
| Return on assets (ROA) | 0.5802% | 4,469 |
| Pretax return on assets | 0.5802% | 4,935 |
| Return on Equity (ROE) | 4.9478% | 4,653 |
| Retained earnings to average equity (ytd only) | 1.8554% | 4,915 |
| Net charge-offs to loans | 1.8106% | 223 |
| Credit loss provision to net charge-offs | 70.4545% | 3,297 |
| Earnings coverage of net charge-offs (x) | 0.8636% | 4,801 |
| Efficiency ratio | 76.1755% | 2,746 |
| Assets per employee ($millions) | 4.0687% | 3,715 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6739% | 2,486 |
| Loan loss allowance to noncurrent loans | 703.3333% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.1475% | 5,878 |
| Noncurrent loans to loans | 0.2380% | 5,468 |
| Net loans and leases to total assets | 60.9236% | 3,552 |
| Net loans and leases to deposits | 70.2867% | 3,749 |
| Net loans and leases to core deposits | 72.8973% | 3,965 |
| Total domestic deposits to total assets | 86.6788% | 2,885 |
| Equity capital to assets | 11.6155% | 2,088 |
| Core capital (leverage) ratio | 11.5475% | 1,926 |
| Tier 1 risk-based capital ratio | 15.0911% | 3,617 |
| Total risk-based capital ratio | 16.3196% | 3,568 |
| Memoranda: | ||
| Average total assets | $41,368,200 | 6,247 |
| Average earning assets | $38,067,800 | 6,217 |
| Average equity | $4,850,600 | 6,104 |
| Average total loans | $24,301,800 | 6,018 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3197% | 2,906 |
| Cost of funding earning assets | 0.5558% | 3,206 |
| Net interest margin | 3.7639% | 2,787 |
| Noninterest income to average assets | 0.3595% | 4,822 |
| Noninterest expense to average assets | 2.5967% | 4,398 |
| Loan and lease loss provision to assets | 0.6420% | 357 |
| Net operating income to assets | 0.6420% | 4,170 |
| Return on assets (ROA) | 0.9469% | 2,717 |
| Pretax return on assets | 0.9469% | 3,702 |
| Return on Equity (ROE) | 8.0569% | 3,093 |
| Retained earnings to average equity (ytd only) | 4.6430% | 3,361 |
| Net charge-offs to loans | 1.9993% | 189 |
| Credit loss provision to net charge-offs | 55.4017% | 3,392 |
| Earnings coverage of net charge-offs (x) | 1.1080% | 4,475 |
| Efficiency ratio | 66.9148% | 4,322 |
| Assets per employee ($millions) | 4.0552% | 3,725 |
| Cash dividends to net income (ytd only)* | 42.3726% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5008% | 3,450 |
| Loan loss allowance to noncurrent loans | 147.7273% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 0.6510% | 4,486 |
| Noncurrent loans to loans | 1.0159% | 3,774 |
| Net loans and leases to total assets | 63.1214% | 3,143 |
| Net loans and leases to deposits | 75.7308% | 2,995 |
| Net loans and leases to core deposits | 78.4823% | 3,299 |
| Total domestic deposits to total assets | 83.3498% | 4,441 |
| Equity capital to assets | 11.9945% | 1,919 |
| Core capital (leverage) ratio | 11.9099% | 1,726 |
| Tier 1 risk-based capital ratio | 15.2036% | 3,626 |
| Total risk-based capital ratio | 16.4303% | 3,601 |
| Memoranda: | ||
| Average total assets | $41,538,500 | 6,307 |
| Average earning assets | $38,859,500 | 6,272 |
| Average equity | $4,881,750 | 6,174 |
| Average total loans | $24,074,750 | 6,090 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1790% | 3,450 |
| Cost of funding earning assets | 0.5640% | 3,273 |
| Net interest margin | 3.6150% | 3,304 |
| Noninterest income to average assets | 0.4060% | 4,484 |
| Noninterest expense to average assets | 2.6178% | 4,323 |
| Loan and lease loss provision to assets | 0.2388% | 1,555 |
| Net operating income to assets | 0.9172% | 2,710 |
| Return on assets (ROA) | 1.3853% | 1,195 |
| Pretax return on assets | 1.3853% | 1,985 |
| Return on Equity (ROE) | 11.8666% | 1,534 |
| Retained earnings to average equity (ytd only) | 7.7747% | 1,575 |
| Net charge-offs to loans | -0.0683% | 6,376 |
| Credit loss provision to net charge-offs | -625.0000% | 5,948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3671% | 3,946 |
| Assets per employee ($millions) | 4.0473% | 3,696 |
| Cash dividends to net income (ytd only)* | 34.4828% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3453% | 1,179 |
| Loan loss allowance to noncurrent loans | 76.0300% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 1.9791% | 2,174 |
| Noncurrent loans to loans | 3.0847% | 1,435 |
| Net loans and leases to total assets | 62.6541% | 3,167 |
| Net loans and leases to deposits | 73.0000% | 3,304 |
| Net loans and leases to core deposits | 75.5692% | 3,598 |
| Total domestic deposits to total assets | 85.8276% | 3,455 |
| Equity capital to assets | 12.2156% | 1,765 |
| Core capital (leverage) ratio | 11.5323% | 1,911 |
| Tier 1 risk-based capital ratio | 15.7538% | 3,335 |
| Total risk-based capital ratio | 16.9771% | 3,297 |
| Memoranda: | ||
| Average total assets | $41,867,330 | 6,348 |
| Average earning assets | $39,004,330 | 6,315 |
| Average equity | $4,887,670 | 6,216 |
| Average total loans | $23,437,330 | 6,154 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2001% | 3,305 |
| Cost of funding earning assets | 0.5593% | 3,478 |
| Net interest margin | 3.6408% | 3,107 |
| Noninterest income to average assets | 0.2631% | 5,580 |
| Noninterest expense to average assets | 2.5185% | 4,690 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1089% | 1,823 |
| Return on assets (ROA) | 1.1089% | 1,930 |
| Pretax return on assets | 1.1089% | 2,923 |
| Return on Equity (ROE) | 9.7129% | 2,185 |
| Retained earnings to average equity (ytd only) | 5.5973% | 2,901 |
| Net charge-offs to loans | -0.0902% | 6,400 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4301% | 4,072 |
| Assets per employee ($millions) | 4.9131% | 2,327 |
| Cash dividends to net income (ytd only)* | 42.3729% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4106% | 1,237 |
| Loan loss allowance to noncurrent loans | 79.4286% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 1.5831% | 2,883 |
| Noncurrent loans to loans | 3.0349% | 1,652 |
| Net loans and leases to total assets | 50.9046% | 4,861 |
| Net loans and leases to deposits | 58.3952% | 4,988 |
| Net loans and leases to core deposits | 59.7563% | 5,172 |
| Total domestic deposits to total assets | 87.1726% | 2,851 |
| Equity capital to assets | 11.1041% | 2,839 |
| Core capital (leverage) ratio | 10.5185% | 2,752 |
| Tier 1 risk-based capital ratio | 17.3943% | 2,604 |
| Total risk-based capital ratio | 18.6549% | 2,565 |
| Memoranda: | ||
| Average total assets | $42,564,500 | 6,384 |
| Average earning assets | $39,332,500 | 6,355 |
| Average equity | $4,859,500 | 6,287 |
| Average total loans | $22,172,500 | 6,267 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8075% | 2,163 |
| Cost of funding earning assets | 0.6426% | 3,982 |
| Net interest margin | 4.1650% | 1,759 |
| Noninterest income to average assets | 0.3249% | 5,134 |
| Noninterest expense to average assets | 2.6379% | 4,608 |
| Loan and lease loss provision to assets | 0.6980% | 740 |
| Net operating income to assets | 0.8424% | 3,081 |
| Return on assets (ROA) | 0.9002% | 3,055 |
| Pretax return on assets | 0.9002% | 3,920 |
| Return on Equity (ROE) | 7.4203% | 3,394 |
| Retained earnings to average equity (ytd only) | -0.5159% | 5,941 |
| Net charge-offs to loans | 1.0695% | 999 |
| Credit loss provision to net charge-offs | 114.1732% | 2,547 |
| Earnings coverage of net charge-offs (x) | 2.5197% | 4,159 |
| Efficiency ratio | 63.1336% | 5,053 |
| Assets per employee ($millions) | 4.5457% | 2,889 |
| Cash dividends to net income (ytd only)* | 106.9519% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5893% | 1,028 |
| Loan loss allowance to noncurrent loans | 237.5000% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.5671% | 5,068 |
| Noncurrent loans to loans | 1.0902% | 4,028 |
| Net loans and leases to total assets | 50.6685% | 5,081 |
| Net loans and leases to deposits | 58.6725% | 5,168 |
| Net loans and leases to core deposits | 60.1643% | 5,348 |
| Total domestic deposits to total assets | 86.3582% | 3,171 |
| Equity capital to assets | 11.7548% | 2,218 |
| Core capital (leverage) ratio | 10.9633% | 2,290 |
| Tier 1 risk-based capital ratio | 17.8800% | 2,301 |
| Total risk-based capital ratio | 19.1413% | 2,264 |
| Memoranda: | ||
| Average total assets | $41,548,200 | 6,448 |
| Average earning assets | $38,439,600 | 6,416 |
| Average equity | $5,040,200 | 6,278 |
| Average total loans | $23,748,800 | 6,251 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7185% | 2,722 |
| Cost of funding earning assets | 0.6428% | 4,254 |
| Net interest margin | 4.0757% | 2,190 |
| Noninterest income to average assets | 0.3485% | 5,029 |
| Noninterest expense to average assets | 2.3912% | 5,426 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.7678% | 611 |
| Return on assets (ROA) | 1.8445% | 592 |
| Pretax return on assets | 1.8445% | 965 |
| Return on Equity (ROE) | 15.0904% | 886 |
| Retained earnings to average equity (ytd only) | 11.1675% | 655 |
| Net charge-offs to loans | -0.0055% | 6,280 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4942% | 5,853 |
| Assets per employee ($millions) | 4.5304% | 2,862 |
| Cash dividends to net income (ytd only)* | 25.9973% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0288% | 2,087 |
| Loan loss allowance to noncurrent loans | 154.4910% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.8191% | 4,654 |
| Noncurrent loans to loans | 1.3132% | 3,844 |
| Net loans and leases to total assets | 61.1125% | 3,550 |
| Net loans and leases to deposits | 71.8471% | 3,632 |
| Net loans and leases to core deposits | 73.5348% | 4,043 |
| Total domestic deposits to total assets | 85.0591% | 3,718 |
| Equity capital to assets | 13.0475% | 1,578 |
| Core capital (leverage) ratio | 12.2230% | 1,524 |
| Tier 1 risk-based capital ratio | 17.1509% | 2,670 |
| Total risk-based capital ratio | 18.4042% | 2,620 |
| Memoranda: | ||
| Average total assets | $41,707,500 | 6,520 |
| Average earning assets | $38,994,250 | 6,467 |
| Average equity | $5,098,000 | 6,335 |
| Average total loans | $24,366,000 | 6,310 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5970% | 3,374 |
| Cost of funding earning assets | 0.6545% | 4,402 |
| Net interest margin | 3.9425% | 2,742 |
| Noninterest income to average assets | 0.3617% | 4,944 |
| Noninterest expense to average assets | 2.4370% | 5,337 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.5945% | 847 |
| Return on assets (ROA) | 1.5945% | 946 |
| Pretax return on assets | 1.5945% | 1,565 |
| Return on Equity (ROE) | 13.3360% | 1,273 |
| Retained earnings to average equity (ytd only) | 9.3551% | 1,157 |
| Net charge-offs to loans | 0.0083% | 5,353 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 335.0000% | 125 |
| Efficiency ratio | 60.4486% | 5,509 |
| Assets per employee ($millions) | 4.6577% | 2,627 |
| Cash dividends to net income (ytd only)* | 29.8507% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1876% | 1,800 |
| Loan loss allowance to noncurrent loans | 117.3516% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 1.0449% | 4,292 |
| Noncurrent loans to loans | 1.8641% | 3,129 |
| Net loans and leases to total assets | 54.8248% | 4,659 |
| Net loans and leases to deposits | 63.9170% | 4,775 |
| Net loans and leases to core deposits | 64.8989% | 5,115 |
| Total domestic deposits to total assets | 85.7749% | 3,473 |
| Equity capital to assets | 12.2713% | 1,952 |
| Core capital (leverage) ratio | 11.2338% | 2,100 |
| Tier 1 risk-based capital ratio | 19.8038% | 1,756 |
| Total risk-based capital ratio | 21.0503% | 1,725 |
| Memoranda: | ||
| Average total assets | $42,018,670 | 6,545 |
| Average earning assets | $39,112,670 | 6,506 |
| Average equity | $5,024,000 | 6,385 |
| Average total loans | $24,010,000 | 6,368 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5823% | 3,583 |
| Cost of funding earning assets | 0.6708% | 4,530 |
| Net interest margin | 3.9115% | 2,875 |
| Noninterest income to average assets | 0.3233% | 5,286 |
| Noninterest expense to average assets | 2.7004% | 4,423 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2266% | 1,664 |
| Return on assets (ROA) | 1.2266% | 1,842 |
| Pretax return on assets | 1.2266% | 2,811 |
| Return on Equity (ROE) | 10.3948% | 2,269 |
| Retained earnings to average equity (ytd only) | 6.3658% | 2,763 |
| Net charge-offs to loans | 0.1483% | 3,208 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 14.3333% | 1,477 |
| Efficiency ratio | 68.7651% | 4,024 |
| Assets per employee ($millions) | 4.7299% | 2,615 |
| Cash dividends to net income (ytd only)* | 38.7597% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2363% | 1,806 |
| Loan loss allowance to noncurrent loans | 125.8706% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 0.9443% | 4,615 |
| Noncurrent loans to loans | 1.7766% | 3,444 |
| Net loans and leases to total assets | 51.9650% | 5,033 |
| Net loans and leases to deposits | 60.1932% | 5,122 |
| Net loans and leases to core deposits | 61.0959% | 5,424 |
| Total domestic deposits to total assets | 86.3304% | 3,342 |
| Equity capital to assets | 11.7339% | 2,234 |
| Core capital (leverage) ratio | 11.1720% | 2,131 |
| Tier 1 risk-based capital ratio | 19.1436% | 1,949 |
| Total risk-based capital ratio | 20.4037% | 1,914 |
| Memoranda: | ||
| Average total assets | $42,068,500 | 6,598 |
| Average earning assets | $38,757,500 | 6,574 |
| Average equity | $4,964,000 | 6,434 |
| Average total loans | $24,267,000 | 6,407 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2521% | 1,863 |
| Cost of funding earning assets | 0.8460% | 4,495 |
| Net interest margin | 4.4061% | 1,384 |
| Noninterest income to average assets | 0.2175% | 5,961 |
| Noninterest expense to average assets | 2.9316% | 3,839 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.3669% | 1,092 |
| Return on assets (ROA) | 1.3669% | 1,182 |
| Pretax return on assets | 1.3669% | 1,891 |
| Return on Equity (ROE) | 11.2682% | 1,630 |
| Retained earnings to average equity (ytd only) | 3.1176% | 4,009 |
| Net charge-offs to loans | -0.0519% | 7,058 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2001% | 4,313 |
| Assets per employee ($millions) | 4.6187% | 2,729 |
| Cash dividends to net income (ytd only)* | 72.3327% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9879% | 2,319 |
| Loan loss allowance to noncurrent loans | 104.6748% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 1.1836% | 4,266 |
| Noncurrent loans to loans | 1.8991% | 3,342 |
| Net loans and leases to total assets | 61.0855% | 3,762 |
| Net loans and leases to deposits | 76.9338% | 3,016 |
| Net loans and leases to core deposits | 78.2183% | 3,660 |
| Total domestic deposits to total assets | 79.4000% | 5,894 |
| Equity capital to assets | 11.8673% | 2,221 |
| Core capital (leverage) ratio | 10.7834% | 2,446 |
| Tier 1 risk-based capital ratio | 17.3189% | 2,458 |
| Total risk-based capital ratio | 18.5520% | 2,441 |
| Memoranda: | ||
| Average total assets | $40,456,400 | 6,659 |
| Average earning assets | $37,470,600 | 6,622 |
| Average equity | $4,907,600 | 6,474 |
| Average total loans | $25,038,400 | 6,422 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4241% | 1,445 |
| Cost of funding earning assets | 0.8827% | 4,527 |
| Net interest margin | 4.5414% | 1,060 |
| Noninterest income to average assets | 0.2256% | 6,001 |
| Noninterest expense to average assets | 2.7477% | 4,539 |
| Loan and lease loss provision to assets | -0.1659% | 7,379 |
| Net operating income to assets | 1.8782% | 445 |
| Return on assets (ROA) | 1.8782% | 484 |
| Pretax return on assets | 1.8782% | 822 |
| Return on Equity (ROE) | 15.3971% | 765 |
| Retained earnings to average equity (ytd only) | 11.3165% | 579 |
| Net charge-offs to loans | -0.6661% | 7,365 |
| Credit loss provision to net charge-offs | 40.3226% | 5,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6071% | 5,474 |
| Assets per employee ($millions) | 4.6860% | 2,638 |
| Cash dividends to net income (ytd only)* | 26.5024% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0626% | 2,169 |
| Loan loss allowance to noncurrent loans | 88.2263% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 1.5507% | 3,768 |
| Noncurrent loans to loans | 2.3379% | 2,961 |
| Net loans and leases to total assets | 64.9618% | 3,114 |
| Net loans and leases to deposits | 80.4918% | 2,591 |
| Net loans and leases to core deposits | 81.7894% | 3,357 |
| Total domestic deposits to total assets | 80.7061% | 5,528 |
| Equity capital to assets | 12.3583% | 1,994 |
| Core capital (leverage) ratio | 11.7584% | 1,851 |
| Tier 1 risk-based capital ratio | 17.2504% | 2,548 |
| Total risk-based capital ratio | 18.5107% | 2,506 |
| Memoranda: | ||
| Average total assets | $40,178,500 | 6,721 |
| Average earning assets | $37,461,500 | 6,683 |
| Average equity | $4,901,250 | 6,524 |
| Average total loans | $24,821,250 | 6,490 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1932% | 2,284 |
| Cost of funding earning assets | 0.9338% | 4,432 |
| Net interest margin | 4.2594% | 1,801 |
| Noninterest income to average assets | 0.2176% | 6,111 |
| Noninterest expense to average assets | 2.8497% | 4,233 |
| Loan and lease loss provision to assets | -0.2531% | 7,459 |
| Net operating income to assets | 1.5691% | 774 |
| Return on assets (ROA) | 1.5691% | 824 |
| Pretax return on assets | 1.5691% | 1,329 |
| Return on Equity (ROE) | 12.9229% | 1,218 |
| Retained earnings to average equity (ytd only) | 8.7542% | 1,193 |
| Net charge-offs to loans | -0.8330% | 7,432 |
| Credit loss provision to net charge-offs | 50.5051% | 4,570 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4083% | 4,437 |
| Assets per employee ($millions) | 4.6813% | 2,576 |
| Cash dividends to net income (ytd only)* | 32.2581% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1461% | 2,017 |
| Loan loss allowance to noncurrent loans | 104.9430% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 1.2485% | 4,400 |
| Noncurrent loans to loans | 2.0450% | 3,420 |
| Net loans and leases to total assets | 59.7384% | 4,322 |
| Net loans and leases to deposits | 81.5560% | 2,514 |
| Net loans and leases to core deposits | 84.1210% | 3,194 |
| Total domestic deposits to total assets | 73.2484% | 6,904 |
| Equity capital to assets | 11.8461% | 2,214 |
| Core capital (leverage) ratio | 11.0214% | 2,228 |
| Tier 1 risk-based capital ratio | 17.8960% | 2,210 |
| Total risk-based capital ratio | 19.1550% | 2,159 |
| Memoranda: | ||
| Average total assets | $39,513,330 | 6,806 |
| Average earning assets | $36,624,670 | 6,774 |
| Average equity | $4,797,670 | 6,601 |
| Average total loans | $23,770,330 | 6,605 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8750% | 3,703 |
| Cost of funding earning assets | 0.9773% | 4,375 |
| Net interest margin | 3.8977% | 3,148 |
| Noninterest income to average assets | 0.2303% | 6,072 |
| Noninterest expense to average assets | 2.8374% | 4,305 |
| Loan and lease loss provision to assets | -0.5235% | 7,538 |
| Net operating income to assets | 1.5077% | 860 |
| Return on assets (ROA) | 1.5077% | 903 |
| Pretax return on assets | 1.5077% | 1,426 |
| Return on Equity (ROE) | 12.2527% | 1,390 |
| Retained earnings to average equity (ytd only) | 7.9983% | 1,736 |
| Net charge-offs to loans | -1.9302% | 7,512 |
| Credit loss provision to net charge-offs | 45.4545% | 3,845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2466% | 3,473 |
| Assets per employee ($millions) | 4.3848% | 3,070 |
| Cash dividends to net income (ytd only)* | 34.7222% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5782% | 1,345 |
| Loan loss allowance to noncurrent loans | 120.5567% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 1.1834% | 4,582 |
| Noncurrent loans to loans | 2.1386% | 3,395 |
| Net loans and leases to total assets | 53.9087% | 5,317 |
| Net loans and leases to deposits | 62.8646% | 5,404 |
| Net loans and leases to core deposits | 64.1672% | 5,706 |
| Total domestic deposits to total assets | 85.7537% | 3,667 |
| Equity capital to assets | 12.0163% | 1,909 |
| Core capital (leverage) ratio | 11.0567% | 2,146 |
| Tier 1 risk-based capital ratio | 20.0511% | 1,578 |
| Total risk-based capital ratio | 21.3151% | 1,539 |
| Memoranda: | ||
| Average total assets | $38,204,000 | 6,899 |
| Average earning assets | $35,200,000 | 6,872 |
| Average equity | $4,701,000 | 6,654 |
| Average total loans | $22,795,000 | 6,703 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4547% | 2,460 |
| Cost of funding earning assets | 1.0817% | 5,245 |
| Net interest margin | 4.3729% | 1,580 |
| Noninterest income to average assets | 0.2221% | 6,219 |
| Noninterest expense to average assets | 2.8897% | 4,274 |
| Loan and lease loss provision to assets | 0.0535% | 6,615 |
| Net operating income to assets | 1.3459% | 1,062 |
| Return on assets (ROA) | 1.3459% | 1,137 |
| Pretax return on assets | 1.3459% | 1,813 |
| Return on Equity (ROE) | 10.9096% | 1,614 |
| Retained earnings to average equity (ytd only) | 4.9451% | 2,445 |
| Net charge-offs to loans | 0.3228% | 4,398 |
| Credit loss provision to net charge-offs | 26.3158% | 6,517 |
| Earnings coverage of net charge-offs (x) | 6.8816% | 2,251 |
| Efficiency ratio | 67.3737% | 4,689 |
| Assets per employee ($millions) | 4.1050% | 3,567 |
| Cash dividends to net income (ytd only)* | 54.6720% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1176% | 2,030 |
| Loan loss allowance to noncurrent loans | 119.4774% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 1.1395% | 4,731 |
| Noncurrent loans to loans | 1.7724% | 3,850 |
| Net loans and leases to total assets | 62.9314% | 4,087 |
| Net loans and leases to deposits | 74.0705% | 4,178 |
| Net loans and leases to core deposits | 75.4454% | 4,798 |
| Total domestic deposits to total assets | 84.9614% | 3,864 |
| Equity capital to assets | 12.6133% | 1,570 |
| Core capital (leverage) ratio | 11.9948% | 1,551 |
| Tier 1 risk-based capital ratio | 16.9931% | 2,347 |
| Total risk-based capital ratio | 18.2513% | 2,312 |
| Memoranda: | ||
| Average total assets | $37,373,600 | 6,959 |
| Average earning assets | $34,759,200 | 6,923 |
| Average equity | $4,610,600 | 6,783 |
| Average total loans | $23,541,600 | 6,750 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3352% | 3,189 |
| Cost of funding earning assets | 1.0982% | 5,427 |
| Net interest margin | 4.2370% | 2,079 |
| Noninterest income to average assets | 0.2241% | 6,300 |
| Noninterest expense to average assets | 2.5577% | 5,478 |
| Loan and lease loss provision to assets | 0.4269% | 3,351 |
| Net operating income to assets | 1.2059% | 1,574 |
| Return on assets (ROA) | 1.2059% | 1,658 |
| Pretax return on assets | 1.2059% | 2,463 |
| Return on Equity (ROE) | 9.8296% | 2,196 |
| Retained earnings to average equity (ytd only) | 9.1048% | 1,023 |
| Net charge-offs to loans | 0.3689% | 3,835 |
| Credit loss provision to net charge-offs | 184.6154% | 1,963 |
| Earnings coverage of net charge-offs (x) | 7.0619% | 2,390 |
| Efficiency ratio | 61.0357% | 5,790 |
| Assets per employee ($millions) | 4.1444% | 3,556 |
| Cash dividends to net income (ytd only)* | 7.3741% | 3,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5609% | 1,255 |
| Loan loss allowance to noncurrent loans | 43.7011% | 5,358 |
| Noncurrent assets plus other real estate owned to assets | 4.0617% | 1,712 |
| Noncurrent loans to loans | 5.8600% | 1,095 |
| Net loans and leases to total assets | 62.6327% | 4,400 |
| Net loans and leases to deposits | 73.9772% | 4,516 |
| Net loans and leases to core deposits | 75.3394% | 5,142 |
| Total domestic deposits to total assets | 84.6649% | 3,792 |
| Equity capital to assets | 12.9571% | 1,599 |
| Core capital (leverage) ratio | 12.6935% | 1,336 |
| Tier 1 risk-based capital ratio | 18.4793% | 1,874 |
| Total risk-based capital ratio | 19.7419% | 1,840 |
| Memoranda: | ||
| Average total assets | $37,480,750 | 7,037 |
| Average earning assets | $35,086,750 | 6,990 |
| Average equity | $4,598,250 | 6,873 |
| Average total loans | $23,488,750 | 6,842 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3380% | 3,274 |
| Cost of funding earning assets | 1.1289% | 5,529 |
| Net interest margin | 4.2091% | 2,129 |
| Noninterest income to average assets | 0.2291% | 6,272 |
| Noninterest expense to average assets | 2.5892% | 5,359 |
| Loan and lease loss provision to assets | 0.4262% | 3,195 |
| Net operating income to assets | 1.1667% | 1,654 |
| Return on assets (ROA) | 1.1667% | 1,712 |
| Pretax return on assets | 1.1667% | 2,527 |
| Return on Equity (ROE) | 9.6903% | 2,214 |
| Retained earnings to average equity (ytd only) | 8.5841% | 1,234 |
| Net charge-offs to loans | 0.3858% | 3,435 |
| Credit loss provision to net charge-offs | 177.7778% | 2,203 |
| Earnings coverage of net charge-offs (x) | 6.6444% | 2,428 |
| Efficiency ratio | 61.9108% | 5,705 |
| Assets per employee ($millions) | 4.2469% | 3,308 |
| Cash dividends to net income (ytd only)* | 11.4155% | 3,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4111% | 1,420 |
| Loan loss allowance to noncurrent loans | 38.7728% | 5,761 |
| Noncurrent assets plus other real estate owned to assets | 4.2960% | 1,553 |
| Noncurrent loans to loans | 6.2185% | 1,003 |
| Net loans and leases to total assets | 62.9009% | 4,487 |
| Net loans and leases to deposits | 73.8005% | 4,709 |
| Net loans and leases to core deposits | 75.1148% | 5,310 |
| Total domestic deposits to total assets | 85.2310% | 3,500 |
| Equity capital to assets | 12.2652% | 1,943 |
| Core capital (leverage) ratio | 12.5219% | 1,400 |
| Tier 1 risk-based capital ratio | 17.6840% | 2,037 |
| Total risk-based capital ratio | 18.9480% | 2,006 |
| Memoranda: | ||
| Average total assets | $37,541,000 | 7,088 |
| Average earning assets | $35,256,670 | 7,031 |
| Average equity | $4,520,000 | 6,932 |
| Average total loans | $23,326,330 | 6,898 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0736% | 4,661 |
| Cost of funding earning assets | 1.1965% | 5,430 |
| Net interest margin | 3.8771% | 3,424 |
| Noninterest income to average assets | 0.2258% | 6,345 |
| Noninterest expense to average assets | 2.5806% | 5,430 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2688% | 1,365 |
| Return on assets (ROA) | 1.2688% | 1,439 |
| Pretax return on assets | 1.2688% | 2,140 |
| Return on Equity (ROE) | 10.6402% | 1,894 |
| Retained earnings to average equity (ytd only) | 8.3859% | 1,564 |
| Net charge-offs to loans | 1.3232% | 1,293 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 1.5733% | 3,784 |
| Efficiency ratio | 67.0391% | 4,909 |
| Assets per employee ($millions) | 4.1857% | 3,485 |
| Cash dividends to net income (ytd only)* | 21.1864% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1129% | 1,932 |
| Loan loss allowance to noncurrent loans | 22.7872% | 6,864 |
| Noncurrent assets plus other real estate owned to assets | 5.9303% | 1,020 |
| Noncurrent loans to loans | 9.2723% | 500 |
| Net loans and leases to total assets | 59.5232% | 5,197 |
| Net loans and leases to deposits | 69.7189% | 5,387 |
| Net loans and leases to core deposits | 70.9768% | 5,833 |
| Total domestic deposits to total assets | 85.3760% | 3,473 |
| Equity capital to assets | 12.0756% | 2,000 |
| Core capital (leverage) ratio | 11.9783% | 1,662 |
| Tier 1 risk-based capital ratio | 18.1882% | 1,903 |
| Total risk-based capital ratio | 19.4481% | 1,872 |
| Memoranda: | ||
| Average total assets | $37,200,500 | 7,193 |
| Average earning assets | $34,768,000 | 7,136 |
| Average equity | $4,436,000 | 7,024 |
| Average total loans | $22,671,500 | 7,006 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0740% | 1,590 |
| Cost of funding earning assets | 1.4938% | 5,537 |
| Net interest margin | 4.5802% | 1,020 |
| Noninterest income to average assets | 0.2529% | 6,294 |
| Noninterest expense to average assets | 3.0313% | 4,022 |
| Loan and lease loss provision to assets | 0.0892% | 6,721 |
| Net operating income to assets | 1.4101% | 831 |
| Return on assets (ROA) | 1.4101% | 887 |
| Pretax return on assets | 1.4101% | 1,407 |
| Return on Equity (ROE) | 11.1872% | 1,381 |
| Retained earnings to average equity (ytd only) | 6.9389% | 982 |
| Net charge-offs to loans | 0.5042% | 3,761 |
| Credit loss provision to net charge-offs | 27.2727% | 6,909 |
| Earnings coverage of net charge-offs (x) | 4.5818% | 2,896 |
| Efficiency ratio | 66.9074% | 5,207 |
| Assets per employee ($millions) | 4.0811% | 3,652 |
| Cash dividends to net income (ytd only)* | 37.9747% | 3,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4915% | 1,241 |
| Loan loss allowance to noncurrent loans | 28.3181% | 6,581 |
| Noncurrent assets plus other real estate owned to assets | 5.6738% | 1,022 |
| Noncurrent loans to loans | 8.7984% | 533 |
| Net loans and leases to total assets | 59.5617% | 5,407 |
| Net loans and leases to deposits | 69.5878% | 5,660 |
| Net loans and leases to core deposits | 79.3507% | 6,160 |
| Total domestic deposits to total assets | 85.5922% | 3,232 |
| Equity capital to assets | 11.7697% | 2,155 |
| Core capital (leverage) ratio | 12.3787% | 1,497 |
| Tier 1 risk-based capital ratio | 17.9655% | 1,905 |
| Total risk-based capital ratio | 19.2282% | 1,864 |
| Memoranda: | ||
| Average total assets | $33,615,600 | 7,344 |
| Average earning assets | $31,396,000 | 7,295 |
| Average equity | $4,237,000 | 7,197 |
| Average total loans | $21,816,400 | 7,099 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1132% | 1,601 |
| Cost of funding earning assets | 1.5695% | 5,544 |
| Net interest margin | 4.5437% | 1,085 |
| Noninterest income to average assets | 0.2558% | 6,405 |
| Noninterest expense to average assets | 2.8950% | 4,473 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.6160% | 646 |
| Return on assets (ROA) | 1.6160% | 695 |
| Pretax return on assets | 1.6160% | 1,144 |
| Return on Equity (ROE) | 12.5881% | 1,209 |
| Retained earnings to average equity (ytd only) | 10.0579% | 629 |
| Net charge-offs to loans | 0.5232% | 3,122 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 4.6823% | 3,041 |
| Efficiency ratio | 64.1764% | 5,715 |
| Assets per employee ($millions) | 3.7303% | 4,358 |
| Cash dividends to net income (ytd only)* | 20.0999% | 3,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4259% | 1,140 |
| Loan loss allowance to noncurrent loans | 30.3229% | 6,438 |
| Noncurrent assets plus other real estate owned to assets | 5.7695% | 963 |
| Noncurrent loans to loans | 8.0002% | 609 |
| Net loans and leases to total assets | 66.3718% | 4,335 |
| Net loans and leases to deposits | 85.7896% | 3,356 |
| Net loans and leases to core deposits | 98.9037% | 4,497 |
| Total domestic deposits to total assets | 77.3657% | 6,243 |
| Equity capital to assets | 12.8913% | 1,740 |
| Core capital (leverage) ratio | 13.2524% | 1,305 |
| Tier 1 risk-based capital ratio | 18.5629% | 1,848 |
| Total risk-based capital ratio | 19.8261% | 1,800 |
| Memoranda: | ||
| Average total assets | $32,837,000 | 7,430 |
| Average earning assets | $30,752,500 | 7,383 |
| Average equity | $4,215,500 | 7,276 |
| Average total loans | $21,661,500 | 7,164 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3020% | 1,203 |
| Cost of funding earning assets | 1.6297% | 5,613 |
| Net interest margin | 4.6723% | 840 |
| Noninterest income to average assets | 0.2332% | 6,613 |
| Noninterest expense to average assets | 2.8658% | 4,657 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.7305% | 532 |
| Return on assets (ROA) | 1.7305% | 578 |
| Pretax return on assets | 1.7305% | 967 |
| Return on Equity (ROE) | 13.4993% | 1,073 |
| Retained earnings to average equity (ytd only) | 12.0632% | 432 |
| Net charge-offs to loans | 0.9027% | 1,894 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 2.9375% | 3,629 |
| Efficiency ratio | 62.3498% | 6,191 |
| Assets per employee ($millions) | 3.5998% | 4,571 |
| Cash dividends to net income (ytd only)* | 10.6383% | 3,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5304% | 871 |
| Loan loss allowance to noncurrent loans | 31.2428% | 6,383 |
| Noncurrent assets plus other real estate owned to assets | 5.7041% | 870 |
| Noncurrent loans to loans | 8.0992% | 544 |
| Net loans and leases to total assets | 64.5595% | 4,864 |
| Net loans and leases to deposits | 77.5615% | 4,937 |
| Net loans and leases to core deposits | 89.6298% | 5,564 |
| Total domestic deposits to total assets | 83.2366% | 4,131 |
| Equity capital to assets | 13.1706% | 1,625 |
| Core capital (leverage) ratio | 13.0130% | 1,426 |
| Tier 1 risk-based capital ratio | 19.3639% | 1,708 |
| Total risk-based capital ratio | 20.6297% | 1,662 |
| Memoranda: | ||
| Average total assets | $32,591,670 | 7,504 |
| Average earning assets | $30,434,670 | 7,460 |
| Average equity | $4,178,000 | 7,351 |
| Average total loans | $21,269,670 | 7,256 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9767% | 6,988 |
| Cost of funding earning assets | 1.6062% | 6,011 |
| Net interest margin | 3.3705% | 5,252 |
| Noninterest income to average assets | 0.2325% | 6,606 |
| Noninterest expense to average assets | 3.0837% | 3,437 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2814% | 5,364 |
| Return on assets (ROA) | 0.2814% | 5,533 |
| Pretax return on assets | 0.2814% | 5,726 |
| Return on Equity (ROE) | 2.2257% | 5,693 |
| Retained earnings to average equity (ytd only) | 1.2580% | 5,134 |
| Net charge-offs to loans | 0.3211% | 2,815 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 1.3529% | 4,058 |
| Efficiency ratio | 91.6364% | 1,599 |
| Assets per employee ($millions) | 3.7188% | 4,299 |
| Cash dividends to net income (ytd only)* | 43.4783% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9831% | 489 |
| Loan loss allowance to noncurrent loans | 37.8954% | 6,017 |
| Noncurrent assets plus other real estate owned to assets | 5.3721% | 806 |
| Noncurrent loans to loans | 7.8721% | 459 |
| Net loans and leases to total assets | 60.5366% | 5,567 |
| Net loans and leases to deposits | 71.9164% | 5,757 |
| Net loans and leases to core deposits | 81.7009% | 6,255 |
| Total domestic deposits to total assets | 84.1764% | 3,618 |
| Equity capital to assets | 12.3039% | 2,074 |
| Core capital (leverage) ratio | 12.5214% | 1,680 |
| Tier 1 risk-based capital ratio | 18.4825% | 1,938 |
| Total risk-based capital ratio | 19.7578% | 1,892 |
| Memoranda: | ||
| Average total assets | $32,688,500 | 7,540 |
| Average earning assets | $30,381,500 | 7,498 |
| Average equity | $4,133,500 | 7,403 |
| Average total loans | $21,175,000 | 7,298 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3805% | 3,522 |
| Cost of funding earning assets | 2.0578% | 6,206 |
| Net interest margin | 4.3227% | 1,910 |
| Noninterest income to average assets | 0.3012% | 6,302 |
| Noninterest expense to average assets | 2.7818% | 4,900 |
| Loan and lease loss provision to assets | 0.6148% | 2,368 |
| Net operating income to assets | 0.8822% | 3,082 |
| Return on assets (ROA) | 0.8822% | 2,922 |
| Pretax return on assets | 0.8822% | 3,786 |
| Return on Equity (ROE) | 6.8252% | 3,613 |
| Retained earnings to average equity (ytd only) | -0.3092% | 5,382 |
| Net charge-offs to loans | 0.1304% | 4,928 |
| Credit loss provision to net charge-offs | 714.2857% | 587 |
| Earnings coverage of net charge-offs (x) | 17.3929% | 1,774 |
| Efficiency ratio | 65.0144% | 5,325 |
| Assets per employee ($millions) | 3.9885% | 3,547 |
| Cash dividends to net income (ytd only)* | 104.5296% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9768% | 444 |
| Loan loss allowance to noncurrent loans | 36.3481% | 6,309 |
| Noncurrent assets plus other real estate owned to assets | 5.9922% | 496 |
| Noncurrent loans to loans | 8.1897% | 320 |
| Net loans and leases to total assets | 65.2720% | 4,993 |
| Net loans and leases to deposits | 77.5016% | 5,401 |
| Net loans and leases to core deposits | 87.1787% | 6,047 |
| Total domestic deposits to total assets | 84.2203% | 3,214 |
| Equity capital to assets | 13.0030% | 1,787 |
| Core capital (leverage) ratio | 12.9573% | 1,556 |
| Tier 1 risk-based capital ratio | 17.4533% | 2,194 |
| Total risk-based capital ratio | 18.7397% | 2,120 |
| Memoranda: | ||
| Average total assets | $32,532,800 | 7,535 |
| Average earning assets | $29,935,000 | 7,513 |
| Average equity | $4,205,000 | 7,430 |
| Average total loans | $21,472,000 | 7,231 |