Home > American State Bank of Grygla > Performance and Condition Ratios
American State Bank of Grygla, 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 | 4.4985% | 3,102 |
| Cost of funding earning assets | 1.0114% | 3,270 |
| Net interest margin | 3.4871% | 2,215 |
| Noninterest income to average assets | 0.7100% | 1,157 |
| Noninterest expense to average assets | 2.8415% | 1,407 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.0482% | 2,068 |
| Return on assets (ROA) | 1.1200% | 1,833 |
| Pretax return on assets | 1.2042% | 2,127 |
| Return on Equity (ROE) | 17.1600% | 929 |
| Retained earnings to average equity (ytd only) | 8.0945% | 1,509 |
| Net charge-offs to loans | 0.0236% | 1,840 |
| Credit loss provision to net charge-offs | 222.2222% | 1,148 |
| Earnings coverage of net charge-offs (x) | 93.0000% | 934 |
| Efficiency ratio | 69.8309% | 1,902 |
| Assets per employee ($millions) | 5.3342% | 3,366 |
| Cash dividends to net income (ytd only)* | 52.8325% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2136% | 2,220 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.1205% | 2,735 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 52.2100% | 3,470 |
| Net loans and leases to deposits | 56.5417% | 3,683 |
| Net loans and leases to core deposits | 61.4693% | 3,700 |
| Total domestic deposits to total assets | 92.3400% | 256 |
| Equity capital to assets | 7.2551% | 3,842 |
| Core capital (leverage) ratio | 10.6270% | 2,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $72,497,600 | 4,093 |
| Average earning assets | $68,222,400 | 4,054 |
| Average equity | $4,731,600 | 4,283 |
| Average total loans | $38,135,200 | 4,022 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4471% | 3,010 |
| Cost of funding earning assets | 0.9087% | 3,252 |
| Net interest margin | 3.5383% | 2,132 |
| Noninterest income to average assets | 0.6300% | 1,403 |
| Noninterest expense to average assets | 2.8240% | 1,384 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.0215% | 2,299 |
| Return on assets (ROA) | 1.0766% | 2,115 |
| Pretax return on assets | 1.1544% | 2,404 |
| Return on Equity (ROE) | 16.9900% | 1,078 |
| Retained earnings to average equity (ytd only) | 4.4443% | 3,128 |
| Net charge-offs to loans | 0.0317% | 1,443 |
| Credit loss provision to net charge-offs | 200.0000% | 1,122 |
| Earnings coverage of net charge-offs (x) | 67.6667% | 1,134 |
| Efficiency ratio | 70.1360% | 1,768 |
| Assets per employee ($millions) | 4.7841% | 3,749 |
| Cash dividends to net income (ytd only)* | 73.8382% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2045% | 2,333 |
| Loan loss allowance to noncurrent loans | 117.7778% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 1.0214% | 497 |
| Noncurrent loans to loans | 1.0227% | 790 |
| Net loans and leases to total assets | 54.5200% | 3,322 |
| Net loans and leases to deposits | 58.2330% | 3,595 |
| Net loans and leases to core deposits | 63.1792% | 3,569 |
| Total domestic deposits to total assets | 93.6200% | 223 |
| Equity capital to assets | 5.7091% | 4,082 |
| Core capital (leverage) ratio | 10.4962% | 2,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5506% | 878 |
| Memoranda: | ||
| Average total assets | $71,952,250 | 4,113 |
| Average earning assets | $67,638,500 | 4,083 |
| Average equity | $4,560,000 | 4,312 |
| Average total loans | $37,801,750 | 4,038 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 3,213.0000% | 38 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1,932.0000% | 37 |
| Cost of funding earning assets | 12.0000% | 22 |
| Net interest margin | 0.0000% | 4,613 |
| Noninterest income to average assets | 0.0000% | 4,595 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 1.0914% | 2,140 |
| Pretax return on assets | 1.1553% | 2,490 |
| Return on Equity (ROE) | 16.6700% | 1,153 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,066 |
| Efficiency ratio | 0.0000% | 4,631 |
| Assets per employee ($millions) | 0.2109% | 4,605 |
| Cash dividends to net income (ytd only)* | 3.2095% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0042% | 3,789 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0116% | 4,519 |
| Total domestic deposits to total assets | 1,199.0000% | 14 |
| Equity capital to assets | 7,104.0000% | 34 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $5,178,000 | 4,629 |
| Average earning assets | $2,827 | 4,637 |
| Average equity | $0 | 4,598 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3532% | 2,665 |
| Cost of funding earning assets | 0.6527% | 3,212 |
| Net interest margin | 3.7005% | 1,897 |
| Noninterest income to average assets | 0.7200% | 1,034 |
| Noninterest expense to average assets | 2.8843% | 1,264 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.2419% | 1,817 |
| Return on assets (ROA) | 1.2952% | 1,661 |
| Pretax return on assets | 1.3170% | 2,130 |
| Return on Equity (ROE) | 20.3400% | 720 |
| Retained earnings to average equity (ytd only) | -0.5128% | 4,087 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.7083% | 2,005 |
| Assets per employee ($millions) | 4.6678% | 3,920 |
| Cash dividends to net income (ytd only)* | 102.5210% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3070% | 2,002 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.1352% | 2,569 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 47.9300% | 3,636 |
| Net loans and leases to deposits | 51.3795% | 3,825 |
| Net loans and leases to core deposits | 51.5690% | 3,932 |
| Total domestic deposits to total assets | 93.2800% | 261 |
| Equity capital to assets | 6.4311% | 4,055 |
| Core capital (leverage) ratio | 9.8585% | 2,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6653% | 776 |
| Memoranda: | ||
| Average total assets | $73,500,500 | 4,168 |
| Average earning assets | $68,638,500 | 4,144 |
| Average equity | $4,680,000 | 4,379 |
| Average total loans | $36,435,500 | 4,125 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4086% | 3,323 |
| Cost of funding earning assets | 0.2051% | 3,712 |
| Net interest margin | 3.2034% | 2,861 |
| Noninterest income to average assets | 0.7300% | 1,185 |
| Noninterest expense to average assets | 2.5714% | 1,898 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.9927% | 2,597 |
| Return on assets (ROA) | 0.9869% | 2,567 |
| Pretax return on assets | 1.1411% | 2,635 |
| Return on Equity (ROE) | 14.7700% | 1,320 |
| Retained earnings to average equity (ytd only) | 9.1266% | 1,449 |
| Net charge-offs to loans | -0.0145% | 3,944 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.0270% | 2,088 |
| Assets per employee ($millions) | 4.5198% | 4,025 |
| Cash dividends to net income (ytd only)* | 38.2192% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2785% | 1,999 |
| Loan loss allowance to noncurrent loans | 403.4483% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.1604% | 2,412 |
| Noncurrent loans to loans | 0.3169% | 2,014 |
| Net loans and leases to total assets | 49.9700% | 3,505 |
| Net loans and leases to deposits | 53.4841% | 3,707 |
| Net loans and leases to core deposits | 53.6875% | 3,824 |
| Total domestic deposits to total assets | 93.4300% | 322 |
| Equity capital to assets | 6.3014% | 3,977 |
| Core capital (leverage) ratio | 10.2068% | 2,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6304% | 765 |
| Memoranda: | ||
| Average total assets | $73,966,400 | 4,198 |
| Average earning assets | $69,706,600 | 4,163 |
| Average equity | $4,941,600 | 4,437 |
| Average total loans | $34,575,400 | 4,160 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1986% | 3,440 |
| Cost of funding earning assets | 0.1396% | 3,942 |
| Net interest margin | 3.0589% | 3,052 |
| Noninterest income to average assets | 0.6700% | 1,437 |
| Noninterest expense to average assets | 2.4379% | 2,195 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.9415% | 2,701 |
| Return on assets (ROA) | 0.9232% | 2,752 |
| Pretax return on assets | 1.0827% | 2,770 |
| Return on Equity (ROE) | 13.6300% | 1,529 |
| Retained earnings to average equity (ytd only) | 6.2460% | 2,656 |
| Net charge-offs to loans | -0.0196% | 3,988 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.5998% | 2,203 |
| Assets per employee ($millions) | 5.0346% | 3,644 |
| Cash dividends to net income (ytd only)* | 54.1748% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3289% | 1,894 |
| Loan loss allowance to noncurrent loans | 405.2632% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.1617% | 2,484 |
| Noncurrent loans to loans | 0.3279% | 2,056 |
| Net loans and leases to total assets | 48.6700% | 3,556 |
| Net loans and leases to deposits | 51.6394% | 3,755 |
| Net loans and leases to core deposits | 51.8391% | 3,862 |
| Total domestic deposits to total assets | 94.2400% | 326 |
| Equity capital to assets | 5.4494% | 4,146 |
| Core capital (leverage) ratio | 9.5295% | 3,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8612% | 745 |
| Memoranda: | ||
| Average total assets | $74,378,750 | 4,228 |
| Average earning assets | $70,655,250 | 4,185 |
| Average equity | $5,037,750 | 4,466 |
| Average total loans | $34,068,250 | 4,192 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9002% | 3,777 |
| Cost of funding earning assets | 0.1364% | 3,753 |
| Net interest margin | 2.7638% | 3,540 |
| Noninterest income to average assets | 0.4361% | 2,533 |
| Noninterest expense to average assets | 2.3600% | 2,370 |
| Loan and lease loss provision to assets | 0.0317% | 2,021 |
| Net operating income to assets | 0.4906% | 3,922 |
| Return on assets (ROA) | 0.4572% | 3,942 |
| Pretax return on assets | 0.6263% | 3,763 |
| Return on Equity (ROE) | 6.3642% | 3,481 |
| Retained earnings to average equity (ytd only) | -3.8994% | 4,495 |
| Net charge-offs to loans | -0.0177% | 3,819 |
| Credit loss provision to net charge-offs | -400.0000% | 3,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3022% | 1,359 |
| Assets per employee ($millions) | 5.3079% | 3,422 |
| Cash dividends to net income (ytd only)* | 161.2717% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3600% | 1,924 |
| Loan loss allowance to noncurrent loans | 329.7101% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.1857% | 2,430 |
| Noncurrent loans to loans | 0.4125% | 1,879 |
| Net loans and leases to total assets | 44.4099% | 3,804 |
| Net loans and leases to deposits | 47.3887% | 3,957 |
| Net loans and leases to core deposits | 47.5635% | 4,047 |
| Total domestic deposits to total assets | 93.7142% | 334 |
| Equity capital to assets | 5.9898% | 4,203 |
| Core capital (leverage) ratio | 8.5231% | 3,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6445% | 764 |
| Memoranda: | ||
| Average total assets | $75,676,667 | 4,252 |
| Average earning assets | $71,857,000 | 4,225 |
| Average equity | $5,436,667 | 4,476 |
| Average total loans | $33,836,000 | 4,247 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8404% | 3,662 |
| Cost of funding earning assets | 0.1384% | 3,655 |
| Net interest margin | 2.7020% | 3,393 |
| Noninterest income to average assets | 0.4505% | 2,389 |
| Noninterest expense to average assets | 2.2944% | 2,521 |
| Loan and lease loss provision to assets | 0.0314% | 1,798 |
| Net operating income to assets | 0.4734% | 3,780 |
| Return on assets (ROA) | 0.4610% | 3,774 |
| Pretax return on assets | 0.6653% | 3,485 |
| Return on Equity (ROE) | 5.9364% | 3,361 |
| Retained earnings to average equity (ytd only) | -12.8847% | 4,612 |
| Net charge-offs to loans | -0.0353% | 4,146 |
| Credit loss provision to net charge-offs | -200.0000% | 2,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3902% | 1,700 |
| Assets per employee ($millions) | 5.6126% | 3,220 |
| Cash dividends to net income (ytd only)* | 317.0455% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3550% | 2,097 |
| Loan loss allowance to noncurrent loans | 396.4602% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.1438% | 2,785 |
| Noncurrent loans to loans | 0.3418% | 2,257 |
| Net loans and leases to total assets | 41.5058% | 3,912 |
| Net loans and leases to deposits | 44.5522% | 4,040 |
| Net loans and leases to core deposits | 44.7079% | 4,132 |
| Total domestic deposits to total assets | 93.1621% | 235 |
| Equity capital to assets | 6.5884% | 4,390 |
| Core capital (leverage) ratio | 8.5189% | 3,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1468% | 883 |
| Memoranda: | ||
| Average total assets | $76,360,000 | 4,266 |
| Average earning assets | $72,242,500 | 4,235 |
| Average equity | $5,929,500 | 4,471 |
| Average total loans | $34,026,000 | 4,262 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8300% | 1,794 |
| Cost of funding earning assets | 0.2105% | 3,359 |
| Net interest margin | 3.6195% | 1,410 |
| Noninterest income to average assets | 0.7388% | 1,624 |
| Noninterest expense to average assets | 2.7336% | 1,535 |
| Loan and lease loss provision to assets | 0.0330% | 2,392 |
| Net operating income to assets | 1.1886% | 1,958 |
| Return on assets (ROA) | 1.1886% | 2,027 |
| Pretax return on assets | 1.3069% | 2,336 |
| Return on Equity (ROE) | 13.2070% | 1,394 |
| Retained earnings to average equity (ytd only) | 5.9003% | 2,404 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6873% | 2,305 |
| Assets per employee ($millions) | 5.2959% | 3,482 |
| Cash dividends to net income (ytd only)* | 55.3241% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2604% | 2,564 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 46.5978% | 3,647 |
| Net loans and leases to deposits | 51.3534% | 3,778 |
| Net loans and leases to core deposits | 51.5487% | 3,923 |
| Total domestic deposits to total assets | 90.7395% | 608 |
| Equity capital to assets | 9.0123% | 3,605 |
| Core capital (leverage) ratio | 9.1674% | 3,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6996% | 790 |
| Memoranda: | ||
| Average total assets | $72,689,000 | 4,306 |
| Average earning assets | $66,971,200 | 4,301 |
| Average equity | $6,542,000 | 4,474 |
| Average total loans | $35,966,400 | 4,272 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8877% | 1,795 |
| Cost of funding earning assets | 0.2300% | 3,326 |
| Net interest margin | 3.6577% | 1,439 |
| Noninterest income to average assets | 0.6489% | 2,016 |
| Noninterest expense to average assets | 2.6362% | 1,736 |
| Loan and lease loss provision to assets | 0.0332% | 2,333 |
| Net operating income to assets | 1.3199% | 1,760 |
| Return on assets (ROA) | 1.3199% | 1,814 |
| Pretax return on assets | 1.3218% | 2,569 |
| Return on Equity (ROE) | 14.6710% | 1,204 |
| Retained earnings to average equity (ytd only) | 4.8767% | 3,264 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6189% | 2,295 |
| Assets per employee ($millions) | 5.2434% | 3,460 |
| Cash dividends to net income (ytd only)* | 66.7598% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1733% | 3,107 |
| Loan loss allowance to noncurrent loans | 207.1429% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.2861% | 2,342 |
| Noncurrent loans to loans | 0.5664% | 1,895 |
| Net loans and leases to total assets | 49.9128% | 3,422 |
| Net loans and leases to deposits | 55.2898% | 3,636 |
| Net loans and leases to core deposits | 55.5034% | 3,812 |
| Total domestic deposits to total assets | 90.2749% | 643 |
| Equity capital to assets | 9.0317% | 3,803 |
| Core capital (leverage) ratio | 8.9930% | 3,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3225% | 907 |
| Memoranda: | ||
| Average total assets | $72,325,500 | 4,366 |
| Average earning assets | $66,087,750 | 4,367 |
| Average equity | $6,507,000 | 4,542 |
| Average total loans | $36,210,500 | 4,324 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8323% | 1,989 |
| Cost of funding earning assets | 0.2424% | 3,351 |
| Net interest margin | 3.5899% | 1,613 |
| Noninterest income to average assets | 0.5169% | 2,551 |
| Noninterest expense to average assets | 2.5568% | 1,975 |
| Loan and lease loss provision to assets | 0.0333% | 2,314 |
| Net operating income to assets | 1.1756% | 2,279 |
| Return on assets (ROA) | 1.1756% | 2,343 |
| Pretax return on assets | 1.1784% | 2,971 |
| Return on Equity (ROE) | 13.0838% | 1,682 |
| Retained earnings to average equity (ytd only) | 3.8664% | 3,562 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2979% | 2,104 |
| Assets per employee ($millions) | 4.6176% | 4,000 |
| Cash dividends to net income (ytd only)* | 70.4492% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1326% | 3,276 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 50.6869% | 3,489 |
| Net loans and leases to deposits | 55.9502% | 3,713 |
| Net loans and leases to core deposits | 56.1633% | 3,878 |
| Total domestic deposits to total assets | 90.5930% | 523 |
| Equity capital to assets | 8.8670% | 3,920 |
| Core capital (leverage) ratio | 8.7596% | 3,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7795% | 845 |
| Memoranda: | ||
| Average total assets | $71,964,667 | 4,398 |
| Average earning assets | $65,183,000 | 4,403 |
| Average equity | $6,466,000 | 4,573 |
| Average total loans | $35,922,333 | 4,359 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6957% | 2,369 |
| Cost of funding earning assets | 0.2644% | 3,335 |
| Net interest margin | 3.4313% | 2,018 |
| Noninterest income to average assets | 0.5633% | 2,360 |
| Noninterest expense to average assets | 2.6533% | 1,733 |
| Loan and lease loss provision to assets | 0.0338% | 2,328 |
| Net operating income to assets | 0.9408% | 3,005 |
| Return on assets (ROA) | 0.9408% | 3,087 |
| Pretax return on assets | 0.9464% | 3,501 |
| Return on Equity (ROE) | 10.3993% | 2,565 |
| Retained earnings to average equity (ytd only) | -8.1575% | 4,783 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3178% | 1,567 |
| Assets per employee ($millions) | 4.7226% | 3,907 |
| Cash dividends to net income (ytd only)* | 178.4431% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1758% | 3,061 |
| Loan loss allowance to noncurrent loans | 269.4268% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.3944% | 2,225 |
| Noncurrent loans to loans | 0.4364% | 2,549 |
| Net loans and leases to total assets | 47.0488% | 3,887 |
| Net loans and leases to deposits | 51.6092% | 4,066 |
| Net loans and leases to core deposits | 51.7995% | 4,204 |
| Total domestic deposits to total assets | 91.1635% | 342 |
| Equity capital to assets | 8.3481% | 4,234 |
| Core capital (leverage) ratio | 8.7485% | 3,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2539% | 884 |
| Memoranda: | ||
| Average total assets | $71,006,500 | 4,423 |
| Average earning assets | $63,533,500 | 4,440 |
| Average equity | $6,423,500 | 4,592 |
| Average total loans | $34,945,000 | 4,403 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0679% | 2,521 |
| Cost of funding earning assets | 0.4096% | 3,523 |
| Net interest margin | 3.6583% | 1,945 |
| Noninterest income to average assets | 0.9856% | 1,072 |
| Noninterest expense to average assets | 3.1482% | 1,147 |
| Loan and lease loss provision to assets | 0.1469% | 2,537 |
| Net operating income to assets | 1.0797% | 1,988 |
| Return on assets (ROA) | 1.0797% | 2,129 |
| Pretax return on assets | 1.0813% | 2,762 |
| Return on Equity (ROE) | 10.2437% | 1,913 |
| Retained earnings to average equity (ytd only) | 3.1953% | 3,230 |
| Net charge-offs to loans | 0.2440% | 704 |
| Credit loss provision to net charge-offs | 101.1364% | 2,804 |
| Earnings coverage of net charge-offs (x) | 8.4545% | 2,601 |
| Efficiency ratio | 70.3508% | 1,901 |
| Assets per employee ($millions) | 4.1532% | 4,254 |
| Cash dividends to net income (ytd only)* | 68.8073% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2295% | 2,795 |
| 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 | 50.4116% | 3,794 |
| Net loans and leases to deposits | 56.0756% | 3,991 |
| Net loans and leases to core deposits | 56.3131% | 4,136 |
| Total domestic deposits to total assets | 89.8993% | 606 |
| Equity capital to assets | 9.8403% | 3,273 |
| Core capital (leverage) ratio | 9.8157% | 2,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6207% | 821 |
| Memoranda: | ||
| Average total assets | $60,573,600 | 4,507 |
| Average earning assets | $56,146,800 | 4,493 |
| Average equity | $6,384,400 | 4,596 |
| Average total loans | $36,065,200 | 4,386 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2402% | 2,278 |
| Cost of funding earning assets | 0.4423% | 3,568 |
| Net interest margin | 3.7979% | 1,622 |
| Noninterest income to average assets | 0.9678% | 1,086 |
| Noninterest expense to average assets | 3.0612% | 1,311 |
| Loan and lease loss provision to assets | 0.1912% | 2,078 |
| Net operating income to assets | 1.2768% | 1,405 |
| Return on assets (ROA) | 1.2768% | 1,512 |
| Pretax return on assets | 1.2791% | 2,131 |
| Return on Equity (ROE) | 11.8922% | 1,401 |
| Retained earnings to average equity (ytd only) | 2.4373% | 3,768 |
| Net charge-offs to loans | 0.3206% | 492 |
| Credit loss provision to net charge-offs | 96.5909% | 2,657 |
| Earnings coverage of net charge-offs (x) | 7.4091% | 2,579 |
| Efficiency ratio | 65.9532% | 2,470 |
| Assets per employee ($millions) | 4.0899% | 4,253 |
| Cash dividends to net income (ytd only)* | 79.5053% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1060% | 3,179 |
| Loan loss allowance to noncurrent loans | 10,200.0000% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 4,484 |
| Noncurrent loans to loans | 0.0108% | 4,402 |
| Net loans and leases to total assets | 59.4647% | 3,282 |
| Net loans and leases to deposits | 66.6904% | 3,561 |
| Net loans and leases to core deposits | 66.9991% | 3,825 |
| Total domestic deposits to total assets | 89.1653% | 700 |
| Equity capital to assets | 10.5250% | 2,769 |
| Core capital (leverage) ratio | 10.1057% | 2,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1506% | 894 |
| Memoranda: | ||
| Average total assets | $59,104,250 | 4,541 |
| Average earning assets | $55,467,750 | 4,520 |
| Average equity | $6,345,750 | 4,626 |
| Average total loans | $36,602,500 | 4,403 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3768% | 2,262 |
| Cost of funding earning assets | 0.4989% | 3,539 |
| Net interest margin | 3.8780% | 1,629 |
| Noninterest income to average assets | 0.8294% | 1,347 |
| Noninterest expense to average assets | 3.0160% | 1,533 |
| Loan and lease loss provision to assets | 0.2742% | 1,563 |
| Net operating income to assets | 1.1858% | 1,683 |
| Return on assets (ROA) | 1.1858% | 1,814 |
| Pretax return on assets | 1.1893% | 2,397 |
| Return on Equity (ROE) | 10.9690% | 1,641 |
| Retained earnings to average equity (ytd only) | 2.2509% | 3,659 |
| Net charge-offs to loans | 0.4821% | 332 |
| Credit loss provision to net charge-offs | 90.9091% | 2,458 |
| Earnings coverage of net charge-offs (x) | 4.8523% | 2,564 |
| Efficiency ratio | 65.7230% | 2,563 |
| Assets per employee ($millions) | 4.0313% | 4,282 |
| Cash dividends to net income (ytd only)* | 79.4798% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0600% | 3,280 |
| Loan loss allowance to noncurrent loans | 72.5314% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 1.1279% | 1,003 |
| Noncurrent loans to loans | 1.4614% | 1,045 |
| Net loans and leases to total assets | 62.3625% | 3,083 |
| Net loans and leases to deposits | 70.0253% | 3,419 |
| Net loans and leases to core deposits | 70.3532% | 3,673 |
| Total domestic deposits to total assets | 89.0572% | 725 |
| Equity capital to assets | 10.6584% | 2,613 |
| Core capital (leverage) ratio | 10.2989% | 2,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4053% | 993 |
| Memoranda: | ||
| Average total assets | $58,356,000 | 4,562 |
| Average earning assets | $54,925,667 | 4,540 |
| Average equity | $6,308,667 | 4,652 |
| Average total loans | $36,507,000 | 4,418 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3116% | 2,894 |
| Cost of funding earning assets | 0.6149% | 3,364 |
| Net interest margin | 3.6967% | 2,332 |
| Noninterest income to average assets | 1.1588% | 650 |
| Noninterest expense to average assets | 3.0297% | 1,814 |
| Loan and lease loss provision to assets | 0.2583% | 1,205 |
| Net operating income to assets | 1.3473% | 1,113 |
| Return on assets (ROA) | 1.3473% | 1,200 |
| Pretax return on assets | 1.3543% | 1,703 |
| Return on Equity (ROE) | 12.3708% | 1,018 |
| Retained earnings to average equity (ytd only) | -5.2560% | 4,541 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6090% | 3,293 |
| Assets per employee ($millions) | 3.8181% | 4,148 |
| Cash dividends to net income (ytd only)* | 142.4870% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2617% | 2,330 |
| Loan loss allowance to noncurrent loans | 75.5892% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 1.2589% | 956 |
| Noncurrent loans to loans | 1.6692% | 919 |
| Net loans and leases to total assets | 61.3522% | 3,367 |
| Net loans and leases to deposits | 69.0912% | 3,656 |
| Net loans and leases to core deposits | 69.0912% | 3,933 |
| Total domestic deposits to total assets | 88.7989% | 756 |
| Equity capital to assets | 10.9253% | 2,922 |
| Core capital (leverage) ratio | 10.3629% | 3,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4223% | 1,078 |
| Memoranda: | ||
| Average total assets | $57,299,500 | 4,589 |
| Average earning assets | $53,994,500 | 4,572 |
| Average equity | $6,240,500 | 4,690 |
| Average total loans | $35,703,500 | 4,460 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6660% | 2,421 |
| Cost of funding earning assets | 0.5845% | 3,698 |
| Net interest margin | 4.0815% | 1,589 |
| Noninterest income to average assets | 0.9787% | 1,017 |
| Noninterest expense to average assets | 3.3577% | 1,189 |
| Loan and lease loss provision to assets | 0.1646% | 1,268 |
| Net operating income to assets | 1.1814% | 2,128 |
| Return on assets (ROA) | 1.1814% | 2,229 |
| Pretax return on assets | 1.1832% | 2,900 |
| Return on Equity (ROE) | 10.9223% | 1,919 |
| Retained earnings to average equity (ytd only) | 5.9546% | 1,889 |
| Net charge-offs to loans | 0.0524% | 2,364 |
| Credit loss provision to net charge-offs | 478.9474% | 607 |
| Earnings coverage of net charge-offs (x) | 39.2105% | 1,332 |
| Efficiency ratio | 69.7424% | 2,207 |
| Assets per employee ($millions) | 3.8219% | 4,131 |
| Cash dividends to net income (ytd only)* | 45.4824% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1502% | 2,695 |
| Loan loss allowance to noncurrent loans | 69.1275% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 1.0396% | 1,199 |
| Noncurrent loans to loans | 1.6638% | 831 |
| Net loans and leases to total assets | 61.7656% | 3,422 |
| Net loans and leases to deposits | 69.5235% | 3,710 |
| Net loans and leases to core deposits | 70.9159% | 3,915 |
| Total domestic deposits to total assets | 88.8414% | 728 |
| Equity capital to assets | 10.8568% | 3,133 |
| Core capital (leverage) ratio | 10.7239% | 2,740 |
| Tier 1 risk-based capital ratio | 17.6538% | 1,849 |
| Total risk-based capital ratio | 18.8703% | 1,815 |
| Memoranda: | ||
| Average total assets | $55,275,200 | 4,660 |
| Average earning assets | $50,471,400 | 4,662 |
| Average equity | $5,978,600 | 4,758 |
| Average total loans | $36,255,800 | 4,494 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7102% | 2,387 |
| Cost of funding earning assets | 0.5670% | 3,832 |
| Net interest margin | 4.1433% | 1,516 |
| Noninterest income to average assets | 0.9812% | 971 |
| Noninterest expense to average assets | 3.1603% | 1,554 |
| Loan and lease loss provision to assets | 0.1217% | 1,604 |
| Net operating income to assets | 1.4511% | 1,327 |
| Return on assets (ROA) | 1.4511% | 1,385 |
| Pretax return on assets | 1.4535% | 2,103 |
| Return on Equity (ROE) | 13.4294% | 1,132 |
| Retained earnings to average equity (ytd only) | 6.7373% | 1,990 |
| Net charge-offs to loans | 0.0550% | 2,048 |
| Credit loss provision to net charge-offs | 333.3333% | 884 |
| Earnings coverage of net charge-offs (x) | 43.1325% | 1,299 |
| Efficiency ratio | 65.0900% | 2,844 |
| Assets per employee ($millions) | 3.9289% | 3,990 |
| Cash dividends to net income (ytd only)* | 49.8320% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0106% | 3,514 |
| Loan loss allowance to noncurrent loans | 51.9890% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 1.2370% | 1,007 |
| Noncurrent loans to loans | 1.9439% | 708 |
| Net loans and leases to total assets | 62.9902% | 3,389 |
| Net loans and leases to deposits | 70.5741% | 3,727 |
| Net loans and leases to core deposits | 71.9419% | 3,953 |
| Total domestic deposits to total assets | 89.2539% | 536 |
| Equity capital to assets | 10.4441% | 3,593 |
| Core capital (leverage) ratio | 11.0436% | 2,607 |
| Tier 1 risk-based capital ratio | 16.8165% | 2,144 |
| Total risk-based capital ratio | 17.8947% | 2,140 |
| Memoranda: | ||
| Average total assets | $54,762,000 | 4,738 |
| Average earning assets | $49,621,250 | 4,744 |
| Average equity | $5,917,250 | 4,831 |
| Average total loans | $36,364,500 | 4,552 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6737% | 2,439 |
| Cost of funding earning assets | 0.5410% | 3,930 |
| Net interest margin | 4.1327% | 1,515 |
| Noninterest income to average assets | 0.7645% | 1,466 |
| Noninterest expense to average assets | 3.1552% | 1,604 |
| Loan and lease loss provision to assets | 0.1724% | 1,051 |
| Net operating income to assets | 1.2404% | 2,006 |
| Return on assets (ROA) | 1.2404% | 2,055 |
| Pretax return on assets | 1.2441% | 2,773 |
| Return on Equity (ROE) | 11.3395% | 1,850 |
| Retained earnings to average equity (ytd only) | 6.2693% | 2,163 |
| Net charge-offs to loans | 0.0111% | 2,736 |
| Credit loss provision to net charge-offs | 2,300.0000% | 161 |
| Earnings coverage of net charge-offs (x) | 189.0000% | 407 |
| Efficiency ratio | 67.2951% | 2,639 |
| Assets per employee ($millions) | 3.7497% | 4,181 |
| Cash dividends to net income (ytd only)* | 44.7130% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0575% | 3,297 |
| Loan loss allowance to noncurrent loans | 35.2087% | 4,467 |
| Noncurrent assets plus other real estate owned to assets | 2.0992% | 424 |
| Noncurrent loans to loans | 3.0035% | 338 |
| Net loans and leases to total assets | 69.1538% | 2,651 |
| Net loans and leases to deposits | 80.1461% | 2,936 |
| Net loans and leases to core deposits | 80.1461% | 3,406 |
| Total domestic deposits to total assets | 86.2847% | 1,900 |
| Equity capital to assets | 11.5037% | 2,601 |
| Core capital (leverage) ratio | 10.7827% | 2,808 |
| Tier 1 risk-based capital ratio | 16.5229% | 2,227 |
| Total risk-based capital ratio | 17.6309% | 2,220 |
| Memoranda: | ||
| Average total assets | $53,371,670 | 4,798 |
| Average earning assets | $49,169,000 | 4,786 |
| Average equity | $5,838,000 | 4,872 |
| Average total loans | $35,985,670 | 4,590 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5792% | 2,607 |
| Cost of funding earning assets | 0.5268% | 3,935 |
| Net interest margin | 4.0524% | 1,679 |
| Noninterest income to average assets | 0.8400% | 1,189 |
| Noninterest expense to average assets | 3.2708% | 1,348 |
| Loan and lease loss provision to assets | 0.0297% | 3,021 |
| Net operating income to assets | 1.2489% | 1,898 |
| Return on assets (ROA) | 1.2489% | 1,941 |
| Pretax return on assets | 1.2563% | 2,604 |
| Return on Equity (ROE) | 11.7124% | 1,649 |
| Retained earnings to average equity (ytd only) | 1.3943% | 4,224 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9837% | 2,346 |
| Assets per employee ($millions) | 3.9129% | 4,050 |
| Cash dividends to net income (ytd only)* | 88.0952% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9601% | 3,929 |
| Loan loss allowance to noncurrent loans | 26.4438% | 4,668 |
| Noncurrent assets plus other real estate owned to assets | 2.5758% | 291 |
| Noncurrent loans to loans | 3.6308% | 241 |
| Net loans and leases to total assets | 65.5294% | 3,111 |
| Net loans and leases to deposits | 73.5142% | 3,486 |
| Net loans and leases to core deposits | 73.5142% | 3,824 |
| Total domestic deposits to total assets | 89.1384% | 798 |
| Equity capital to assets | 10.5988% | 3,254 |
| Core capital (leverage) ratio | 10.5538% | 2,993 |
| Tier 1 risk-based capital ratio | 15.6515% | 2,584 |
| Total risk-based capital ratio | 16.6220% | 2,632 |
| Memoranda: | ||
| Average total assets | $53,809,500 | 4,844 |
| Average earning assets | $49,353,500 | 4,836 |
| Average equity | $5,737,500 | 4,925 |
| Average total loans | $35,633,000 | 4,647 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4239% | 2,685 |
| Cost of funding earning assets | 0.3627% | 4,204 |
| Net interest margin | 4.0612% | 1,791 |
| Noninterest income to average assets | 1.0594% | 837 |
| Noninterest expense to average assets | 3.3961% | 1,158 |
| Loan and lease loss provision to assets | 0.8031% | 124 |
| Net operating income to assets | 0.6693% | 4,236 |
| Return on assets (ROA) | 0.6693% | 4,244 |
| Pretax return on assets | 0.6712% | 4,486 |
| Return on Equity (ROE) | 6.2187% | 4,101 |
| Retained earnings to average equity (ytd only) | -0.3198% | 5,022 |
| Net charge-offs to loans | 1.2449% | 96 |
| Credit loss provision to net charge-offs | 100.2387% | 2,506 |
| Earnings coverage of net charge-offs (x) | 1.8401% | 3,584 |
| Efficiency ratio | 68.0801% | 2,528 |
| Assets per employee ($millions) | 3.7742% | 4,220 |
| Cash dividends to net income (ytd only)* | 105.1429% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9823% | 3,796 |
| Loan loss allowance to noncurrent loans | 32.0596% | 4,608 |
| Noncurrent assets plus other real estate owned to assets | 2.2105% | 392 |
| Noncurrent loans to loans | 3.0639% | 325 |
| Net loans and leases to total assets | 65.6277% | 3,182 |
| Net loans and leases to deposits | 73.7557% | 3,521 |
| Net loans and leases to core deposits | 73.7557% | 3,870 |
| Total domestic deposits to total assets | 88.9797% | 868 |
| Equity capital to assets | 10.7288% | 2,948 |
| Core capital (leverage) ratio | 10.3335% | 3,219 |
| Tier 1 risk-based capital ratio | 15.4700% | 2,638 |
| Total risk-based capital ratio | 16.4623% | 2,669 |
| Memoranda: | ||
| Average total assets | $52,295,400 | 4,895 |
| Average earning assets | $49,074,600 | 4,875 |
| Average equity | $5,628,200 | 4,951 |
| Average total loans | $33,657,400 | 4,728 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3607% | 2,761 |
| Cost of funding earning assets | 0.3379% | 4,259 |
| Net interest margin | 4.0228% | 1,885 |
| Noninterest income to average assets | 0.9893% | 977 |
| Noninterest expense to average assets | 3.2208% | 1,478 |
| Loan and lease loss provision to assets | 1.0353% | 80 |
| Net operating income to assets | 0.5342% | 4,688 |
| Return on assets (ROA) | 0.5342% | 4,690 |
| Pretax return on assets | 0.5368% | 4,844 |
| Return on Equity (ROE) | 4.9601% | 4,577 |
| Retained earnings to average equity (ytd only) | -3.7734% | 5,276 |
| Net charge-offs to loans | 1.6848% | 65 |
| Credit loss provision to net charge-offs | 96.1995% | 2,349 |
| Earnings coverage of net charge-offs (x) | 1.4608% | 3,344 |
| Efficiency ratio | 65.4933% | 2,961 |
| Assets per employee ($millions) | 3.6351% | 4,387 |
| Cash dividends to net income (ytd only)* | 176.0748% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9455% | 4,063 |
| Loan loss allowance to noncurrent loans | 29.1444% | 4,760 |
| Noncurrent assets plus other real estate owned to assets | 2.3913% | 380 |
| Noncurrent loans to loans | 3.2443% | 318 |
| Net loans and leases to total assets | 67.3131% | 3,036 |
| Net loans and leases to deposits | 76.0219% | 3,415 |
| Net loans and leases to core deposits | 76.0219% | 3,803 |
| Total domestic deposits to total assets | 88.5444% | 1,031 |
| Equity capital to assets | 10.7424% | 2,905 |
| Core capital (leverage) ratio | 9.9000% | 3,744 |
| Tier 1 risk-based capital ratio | 15.0179% | 2,874 |
| Total risk-based capital ratio | 15.9827% | 2,925 |
| Memoranda: | ||
| Average total assets | $52,159,500 | 4,949 |
| Average earning assets | $49,317,750 | 4,920 |
| Average equity | $5,618,000 | 5,009 |
| Average total loans | $33,316,500 | 4,788 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1780% | 3,176 |
| Cost of funding earning assets | 0.2935% | 4,455 |
| Net interest margin | 3.8845% | 2,263 |
| Noninterest income to average assets | 0.6846% | 1,932 |
| Noninterest expense to average assets | 3.1342% | 1,710 |
| Loan and lease loss provision to assets | 0.2586% | 593 |
| Net operating income to assets | 0.9623% | 3,183 |
| Return on assets (ROA) | 0.9623% | 3,186 |
| Pretax return on assets | 0.9661% | 3,761 |
| Return on Equity (ROE) | 8.9268% | 3,057 |
| Retained earnings to average equity (ytd only) | -0.5293% | 5,032 |
| Net charge-offs to loans | 0.5351% | 279 |
| Credit loss provision to net charge-offs | 77.2727% | 2,287 |
| Earnings coverage of net charge-offs (x) | 3.6591% | 2,858 |
| Efficiency ratio | 70.0698% | 2,301 |
| Assets per employee ($millions) | 3.7339% | 4,309 |
| Cash dividends to net income (ytd only)* | 105.9289% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9663% | 4,028 |
| Loan loss allowance to noncurrent loans | 14.0069% | 4,922 |
| Noncurrent assets plus other real estate owned to assets | 4.4114% | 114 |
| Noncurrent loans to loans | 6.8986% | 60 |
| Net loans and leases to total assets | 63.3278% | 3,471 |
| Net loans and leases to deposits | 71.2450% | 3,765 |
| Net loans and leases to core deposits | 71.2450% | 4,064 |
| Total domestic deposits to total assets | 88.8874% | 978 |
| Equity capital to assets | 10.8103% | 2,828 |
| Core capital (leverage) ratio | 10.5171% | 3,016 |
| Tier 1 risk-based capital ratio | 17.2818% | 2,011 |
| Total risk-based capital ratio | 18.2852% | 2,034 |
| Memoranda: | ||
| Average total assets | $52,582,000 | 5,006 |
| Average earning assets | $49,736,670 | 4,972 |
| Average equity | $5,668,330 | 5,057 |
| Average total loans | $32,894,000 | 4,842 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2052% | 2,864 |
| Cost of funding earning assets | 0.2723% | 4,562 |
| Net interest margin | 3.9328% | 1,918 |
| Noninterest income to average assets | 0.7661% | 1,558 |
| Noninterest expense to average assets | 3.1857% | 1,596 |
| Loan and lease loss provision to assets | 0.1214% | 1,554 |
| Net operating income to assets | 1.1757% | 2,110 |
| Return on assets (ROA) | 1.1757% | 2,119 |
| Pretax return on assets | 1.1833% | 2,827 |
| Return on Equity (ROE) | 10.9213% | 2,002 |
| Retained earnings to average equity (ytd only) | -7.9620% | 5,305 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0878% | 2,651 |
| Assets per employee ($millions) | 3.5558% | 4,604 |
| Cash dividends to net income (ytd only)* | 172.9032% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1246% | 3,231 |
| Loan loss allowance to noncurrent loans | 19.6928% | 4,929 |
| Noncurrent assets plus other real estate owned to assets | 3.4179% | 211 |
| Noncurrent loans to loans | 5.7106% | 111 |
| Net loans and leases to total assets | 59.1784% | 3,836 |
| Net loans and leases to deposits | 66.2733% | 4,070 |
| Net loans and leases to core deposits | 66.2733% | 4,291 |
| Total domestic deposits to total assets | 89.2945% | 963 |
| Equity capital to assets | 10.4355% | 3,136 |
| Core capital (leverage) ratio | 10.2043% | 3,297 |
| Tier 1 risk-based capital ratio | 17.5370% | 1,961 |
| Total risk-based capital ratio | 18.6913% | 1,947 |
| Memoranda: | ||
| Average total assets | $52,736,000 | 5,062 |
| Average earning assets | $49,938,500 | 5,030 |
| Average equity | $5,677,000 | 5,106 |
| Average total loans | $32,627,500 | 4,901 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1818% | 2,756 |
| Cost of funding earning assets | 0.2878% | 4,247 |
| Net interest margin | 3.8940% | 2,107 |
| Noninterest income to average assets | 1.0860% | 864 |
| Noninterest expense to average assets | 3.4938% | 1,049 |
| Loan and lease loss provision to assets | 0.0342% | 3,578 |
| Net operating income to assets | 1.2096% | 1,489 |
| Return on assets (ROA) | 1.2096% | 1,517 |
| Pretax return on assets | 1.2115% | 2,727 |
| Return on Equity (ROE) | 11.2554% | 1,398 |
| Retained earnings to average equity (ytd only) | 3.3979% | 3,251 |
| Net charge-offs to loans | -0.0614% | 5,237 |
| Credit loss provision to net charge-offs | -90.0000% | 4,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0305% | 2,221 |
| Assets per employee ($millions) | 3.7239% | 4,396 |
| Cash dividends to net income (ytd only)* | 69.8113% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0290% | 3,752 |
| Loan loss allowance to noncurrent loans | 22.4183% | 4,950 |
| Noncurrent assets plus other real estate owned to assets | 2.9347% | 280 |
| Noncurrent loans to loans | 4.5902% | 173 |
| Net loans and leases to total assets | 63.2761% | 3,455 |
| Net loans and leases to deposits | 71.4218% | 3,747 |
| Net loans and leases to core deposits | 71.4218% | 4,088 |
| Total domestic deposits to total assets | 88.5950% | 1,198 |
| Equity capital to assets | 11.1019% | 2,538 |
| Core capital (leverage) ratio | 10.9363% | 2,394 |
| Tier 1 risk-based capital ratio | 17.4037% | 1,967 |
| Total risk-based capital ratio | 18.4511% | 1,984 |
| Memoranda: | ||
| Average total assets | $52,579,600 | 5,109 |
| Average earning assets | $49,332,800 | 5,077 |
| Average equity | $5,650,600 | 5,152 |
| Average total loans | $32,576,400 | 4,946 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0976% | 2,993 |
| Cost of funding earning assets | 0.2912% | 4,218 |
| Net interest margin | 3.8065% | 2,374 |
| Noninterest income to average assets | 0.9843% | 1,060 |
| Noninterest expense to average assets | 3.3073% | 1,327 |
| Loan and lease loss provision to assets | 0.0354% | 3,409 |
| Net operating income to assets | 1.2121% | 1,642 |
| Return on assets (ROA) | 1.2121% | 1,673 |
| Pretax return on assets | 1.2146% | 2,841 |
| Return on Equity (ROE) | 11.3715% | 1,538 |
| Retained earnings to average equity (ytd only) | 0.8310% | 5,028 |
| Net charge-offs to loans | -0.0823% | 5,322 |
| Credit loss provision to net charge-offs | -70.0000% | 4,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7940% | 2,400 |
| Assets per employee ($millions) | 3.4415% | 4,810 |
| Cash dividends to net income (ytd only)* | 92.6940% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9769% | 4,199 |
| Loan loss allowance to noncurrent loans | 22.2004% | 5,042 |
| Noncurrent assets plus other real estate owned to assets | 2.9580% | 305 |
| Noncurrent loans to loans | 4.4006% | 206 |
| Net loans and leases to total assets | 66.5627% | 3,032 |
| Net loans and leases to deposits | 75.1306% | 3,455 |
| Net loans and leases to core deposits | 76.5910% | 3,755 |
| Total domestic deposits to total assets | 88.5959% | 1,072 |
| Equity capital to assets | 11.0709% | 2,795 |
| Core capital (leverage) ratio | 10.6322% | 2,847 |
| Tier 1 risk-based capital ratio | 16.5432% | 2,311 |
| Total risk-based capital ratio | 17.5559% | 2,332 |
| Memoranda: | ||
| Average total assets | $52,690,750 | 5,161 |
| Average earning assets | $49,458,500 | 5,133 |
| Average equity | $5,616,250 | 5,217 |
| Average total loans | $32,387,500 | 4,997 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9400% | 3,409 |
| Cost of funding earning assets | 0.2889% | 4,196 |
| Net interest margin | 3.6511% | 2,835 |
| Noninterest income to average assets | 0.7804% | 1,646 |
| Noninterest expense to average assets | 3.2349% | 1,506 |
| Loan and lease loss provision to assets | 0.0339% | 3,308 |
| Net operating income to assets | 0.9388% | 2,726 |
| Return on assets (ROA) | 0.9388% | 2,781 |
| Pretax return on assets | 0.9426% | 3,787 |
| Return on Equity (ROE) | 8.9194% | 2,544 |
| Retained earnings to average equity (ytd only) | 0.1791% | 5,031 |
| Net charge-offs to loans | -0.1265% | 5,482 |
| Credit loss provision to net charge-offs | -45.0000% | 4,279 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9329% | 1,864 |
| Assets per employee ($millions) | 3.4627% | 4,779 |
| Cash dividends to net income (ytd only)* | 97.9920% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0123% | 4,069 |
| Loan loss allowance to noncurrent loans | 43.6031% | 4,726 |
| Noncurrent assets plus other real estate owned to assets | 1.4748% | 1,048 |
| Noncurrent loans to loans | 2.3216% | 682 |
| Net loans and leases to total assets | 62.8790% | 3,523 |
| Net loans and leases to deposits | 70.8890% | 3,835 |
| Net loans and leases to core deposits | 72.2550% | 4,076 |
| Total domestic deposits to total assets | 88.7006% | 1,105 |
| Equity capital to assets | 10.9644% | 2,845 |
| Core capital (leverage) ratio | 10.3500% | 3,070 |
| Tier 1 risk-based capital ratio | 17.1764% | 2,110 |
| Total risk-based capital ratio | 18.2187% | 2,118 |
| Memoranda: | ||
| Average total assets | $53,047,000 | 5,190 |
| Average earning assets | $49,848,000 | 5,159 |
| Average equity | $5,583,330 | 5,257 |
| Average total loans | $31,616,670 | 5,061 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7733% | 3,854 |
| Cost of funding earning assets | 0.2860% | 4,186 |
| Net interest margin | 3.4873% | 3,319 |
| Noninterest income to average assets | 0.8060% | 1,529 |
| Noninterest expense to average assets | 3.3060% | 1,377 |
| Loan and lease loss provision to assets | 0.0373% | 3,054 |
| Net operating income to assets | 0.7313% | 3,553 |
| Return on assets (ROA) | 0.7313% | 3,602 |
| Pretax return on assets | 0.7388% | 4,313 |
| Return on Equity (ROE) | 7.0918% | 3,367 |
| Retained earnings to average equity (ytd only) | -10.5654% | 5,590 |
| Net charge-offs to loans | -0.2457% | 5,653 |
| Credit loss provision to net charge-offs | -26.3158% | 3,822 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9762% | 1,488 |
| Assets per employee ($millions) | 3.6128% | 4,623 |
| Cash dividends to net income (ytd only)* | 248.9796% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0907% | 3,759 |
| Loan loss allowance to noncurrent loans | 269.6721% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.2251% | 4,320 |
| Noncurrent loans to loans | 0.4045% | 3,644 |
| Net loans and leases to total assets | 55.0543% | 4,250 |
| Net loans and leases to deposits | 61.4559% | 4,467 |
| Net loans and leases to core deposits | 62.5787% | 4,610 |
| Total domestic deposits to total assets | 89.5833% | 858 |
| Equity capital to assets | 10.1048% | 3,614 |
| Core capital (leverage) ratio | 10.0651% | 3,419 |
| Tier 1 risk-based capital ratio | 18.1621% | 1,815 |
| Total risk-based capital ratio | 19.2789% | 1,825 |
| Memoranda: | ||
| Average total assets | $53,600,000 | 5,234 |
| Average earning assets | $50,354,000 | 5,202 |
| Average equity | $5,527,500 | 5,319 |
| Average total loans | $30,928,000 | 5,129 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1177% | 2,779 |
| Cost of funding earning assets | 0.3022% | 4,042 |
| Net interest margin | 3.8155% | 2,259 |
| Noninterest income to average assets | 1.0798% | 969 |
| Noninterest expense to average assets | 3.4002% | 1,356 |
| Loan and lease loss provision to assets | 0.1166% | 2,121 |
| Net operating income to assets | 1.1662% | 1,622 |
| Return on assets (ROA) | 1.1662% | 1,718 |
| Pretax return on assets | 1.1682% | 2,813 |
| Return on Equity (ROE) | 10.5624% | 1,743 |
| Retained earnings to average equity (ytd only) | 6.7745% | 1,321 |
| Net charge-offs to loans | 0.0066% | 4,031 |
| Credit loss provision to net charge-offs | 2,900.0000% | 145 |
| Earnings coverage of net charge-offs (x) | 319.5000% | 246 |
| Efficiency ratio | 70.7725% | 2,783 |
| Assets per employee ($millions) | 3.5339% | 4,709 |
| Cash dividends to net income (ytd only)* | 35.8621% | 3,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9624% | 4,514 |
| Loan loss allowance to noncurrent loans | 30,500.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 5,438 |
| Noncurrent loans to loans | 0.0032% | 5,305 |
| Net loans and leases to total assets | 59.2118% | 3,936 |
| Net loans and leases to deposits | 66.4219% | 4,209 |
| Net loans and leases to core deposits | 69.5433% | 4,280 |
| Total domestic deposits to total assets | 89.1450% | 1,041 |
| Equity capital to assets | 10.5248% | 3,123 |
| Core capital (leverage) ratio | 10.7002% | 2,655 |
| Tier 1 risk-based capital ratio | 17.9874% | 1,849 |
| Total risk-based capital ratio | 18.9865% | 1,892 |
| Memoranda: | ||
| Average total assets | $49,732,600 | 5,349 |
| Average earning assets | $46,992,800 | 5,310 |
| Average equity | $5,491,200 | 5,373 |
| Average total loans | $30,128,600 | 5,182 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1639% | 2,633 |
| Cost of funding earning assets | 0.3003% | 4,096 |
| Net interest margin | 3.8636% | 2,105 |
| Noninterest income to average assets | 1.0494% | 1,033 |
| Noninterest expense to average assets | 3.2165% | 1,737 |
| Loan and lease loss provision to assets | 0.1472% | 1,594 |
| Net operating income to assets | 1.3302% | 1,213 |
| Return on assets (ROA) | 1.3302% | 1,297 |
| Pretax return on assets | 1.3329% | 2,297 |
| Return on Equity (ROE) | 11.8965% | 1,359 |
| Retained earnings to average equity (ytd only) | 6.8258% | 1,710 |
| Net charge-offs to loans | 0.0090% | 3,614 |
| Credit loss provision to net charge-offs | 2,700.0000% | 182 |
| Earnings coverage of net charge-offs (x) | 271.1536% | 299 |
| Efficiency ratio | 66.6280% | 3,481 |
| Assets per employee ($millions) | 3.2962% | 5,048 |
| Cash dividends to net income (ytd only)* | 42.6235% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9417% | 4,700 |
| Loan loss allowance to noncurrent loans | 30,100.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 5,541 |
| Noncurrent loans to loans | 0.0031% | 5,411 |
| Net loans and leases to total assets | 64.0354% | 3,393 |
| Net loans and leases to deposits | 72.6420% | 3,738 |
| Net loans and leases to core deposits | 75.7730% | 3,866 |
| Total domestic deposits to total assets | 88.1520% | 1,325 |
| Equity capital to assets | 11.4819% | 2,527 |
| Core capital (leverage) ratio | 10.8326% | 2,647 |
| Tier 1 risk-based capital ratio | 17.2907% | 2,130 |
| Total risk-based capital ratio | 18.2555% | 2,184 |
| Memoranda: | ||
| Average total assets | $48,913,750 | 5,421 |
| Average earning assets | $46,173,000 | 5,381 |
| Average equity | $5,469,250 | 5,432 |
| Average total loans | $29,737,750 | 5,246 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1496% | 2,677 |
| Cost of funding earning assets | 0.3001% | 4,126 |
| Net interest margin | 3.8494% | 2,141 |
| Noninterest income to average assets | 0.7961% | 1,733 |
| Noninterest expense to average assets | 3.1106% | 2,028 |
| Loan and lease loss provision to assets | 0.0780% | 2,584 |
| Net operating income to assets | 1.2352% | 1,486 |
| Return on assets (ROA) | 1.2352% | 1,578 |
| Pretax return on assets | 1.2393% | 2,637 |
| Return on Equity (ROE) | 11.1481% | 1,593 |
| Retained earnings to average equity (ytd only) | 3.4444% | 3,701 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3040% | 3,277 |
| Assets per employee ($millions) | 3.2380% | 5,154 |
| Cash dividends to net income (ytd only)* | 69.1030% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8742% | 5,033 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 62.5695% | 3,557 |
| Net loans and leases to deposits | 70.8805% | 3,903 |
| Net loans and leases to core deposits | 72.2282% | 4,151 |
| Total domestic deposits to total assets | 88.2747% | 1,286 |
| Equity capital to assets | 11.3547% | 2,690 |
| Core capital (leverage) ratio | 10.5643% | 2,888 |
| Tier 1 risk-based capital ratio | 17.7134% | 2,009 |
| Total risk-based capital ratio | 18.6261% | 2,072 |
| Memoranda: | ||
| Average total assets | $48,737,330 | 5,487 |
| Average earning assets | $45,980,670 | 5,447 |
| Average equity | $5,400,000 | 5,498 |
| Average total loans | $28,996,330 | 5,333 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9252% | 3,483 |
| Cost of funding earning assets | 0.2940% | 4,229 |
| Net interest margin | 3.6313% | 2,962 |
| Noninterest income to average assets | 0.8767% | 1,366 |
| Noninterest expense to average assets | 3.1544% | 1,946 |
| Loan and lease loss provision to assets | 0.0328% | 3,219 |
| Net operating income to assets | 1.1225% | 1,824 |
| Return on assets (ROA) | 1.1225% | 1,923 |
| Pretax return on assets | 1.1307% | 2,970 |
| Return on Equity (ROE) | 10.2574% | 1,870 |
| Retained earnings to average equity (ytd only) | -5.3159% | 5,623 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9677% | 2,963 |
| Assets per employee ($millions) | 3.3512% | 5,051 |
| Cash dividends to net income (ytd only)* | 151.8248% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9076% | 5,037 |
| Loan loss allowance to noncurrent loans | 973.0769% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.0517% | 5,414 |
| Noncurrent loans to loans | 0.0933% | 5,099 |
| Net loans and leases to total assets | 54.9515% | 4,359 |
| Net loans and leases to deposits | 61.7108% | 4,596 |
| Net loans and leases to core deposits | 62.4785% | 4,788 |
| Total domestic deposits to total assets | 89.0467% | 1,074 |
| Equity capital to assets | 10.6071% | 3,360 |
| Core capital (leverage) ratio | 10.2980% | 3,198 |
| Tier 1 risk-based capital ratio | 18.3598% | 1,895 |
| Total risk-based capital ratio | 19.2824% | 1,942 |
| Memoranda: | ||
| Average total assets | $48,821,000 | 5,534 |
| Average earning assets | $46,265,000 | 5,485 |
| Average equity | $5,342,500 | 5,543 |
| Average total loans | $28,165,500 | 5,408 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9566% | 3,485 |
| Cost of funding earning assets | 0.3045% | 4,199 |
| Net interest margin | 3.6521% | 2,932 |
| Noninterest income to average assets | 0.9363% | 1,348 |
| Noninterest expense to average assets | 3.3205% | 1,678 |
| Loan and lease loss provision to assets | 0.0330% | 3,707 |
| Net operating income to assets | 1.0188% | 2,267 |
| Return on assets (ROA) | 1.0188% | 2,342 |
| Pretax return on assets | 1.0209% | 3,378 |
| Return on Equity (ROE) | 9.4676% | 2,233 |
| Retained earnings to average equity (ytd only) | 4.5421% | 2,752 |
| Net charge-offs to loans | -0.0072% | 5,038 |
| Credit loss provision to net charge-offs | -800.0000% | 5,526 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9274% | 2,593 |
| Assets per employee ($millions) | 3.1583% | 5,339 |
| Cash dividends to net income (ytd only)* | 52.0243% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8751% | 5,182 |
| Loan loss allowance to noncurrent loans | 1,464.7059% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.0359% | 5,536 |
| Noncurrent loans to loans | 0.0597% | 5,280 |
| Net loans and leases to total assets | 59.5390% | 3,898 |
| Net loans and leases to deposits | 67.4333% | 4,179 |
| Net loans and leases to core deposits | 68.7515% | 4,394 |
| Total domestic deposits to total assets | 88.2932% | 1,478 |
| Equity capital to assets | 11.2994% | 2,542 |
| Core capital (leverage) ratio | 10.4979% | 2,931 |
| Tier 1 risk-based capital ratio | 18.5392% | 1,822 |
| Total risk-based capital ratio | 19.4440% | 1,878 |
| Memoranda: | ||
| Average total assets | $48,486,800 | 5,577 |
| Average earning assets | $45,645,200 | 5,535 |
| Average equity | $5,217,800 | 5,600 |
| Average total loans | $27,729,400 | 5,451 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8882% | 3,777 |
| Cost of funding earning assets | 0.3056% | 4,271 |
| Net interest margin | 3.5826% | 3,225 |
| Noninterest income to average assets | 1.1073% | 980 |
| Noninterest expense to average assets | 3.2728% | 1,772 |
| Loan and lease loss provision to assets | 0.0301% | 3,633 |
| Net operating income to assets | 1.1675% | 1,765 |
| Return on assets (ROA) | 1.1675% | 1,835 |
| Pretax return on assets | 1.1702% | 2,929 |
| Return on Equity (ROE) | 10.9823% | 1,718 |
| Retained earnings to average equity (ytd only) | 6.9443% | 1,717 |
| Net charge-offs to loans | -0.0097% | 4,980 |
| Credit loss provision to net charge-offs | -550.0000% | 5,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2103% | 3,011 |
| Assets per employee ($millions) | 3.2303% | 5,243 |
| Cash dividends to net income (ytd only)* | 36.7684% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8465% | 5,383 |
| Loan loss allowance to noncurrent loans | 6,100.0000% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.2538% | 4,747 |
| Noncurrent loans to loans | 0.0139% | 5,581 |
| Net loans and leases to total assets | 58.9858% | 4,012 |
| Net loans and leases to deposits | 66.7406% | 4,305 |
| Net loans and leases to core deposits | 68.0144% | 4,537 |
| Total domestic deposits to total assets | 88.3807% | 1,354 |
| Equity capital to assets | 11.1570% | 2,840 |
| Core capital (leverage) ratio | 10.3419% | 3,205 |
| Tier 1 risk-based capital ratio | 18.3963% | 1,926 |
| Total risk-based capital ratio | 19.2713% | 1,991 |
| Memoranda: | ||
| Average total assets | $48,765,000 | 5,642 |
| Average earning assets | $45,812,750 | 5,601 |
| Average equity | $5,184,000 | 5,677 |
| Average total loans | $27,548,000 | 5,523 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7592% | 4,212 |
| Cost of funding earning assets | 0.3042% | 4,355 |
| Net interest margin | 3.4549% | 3,684 |
| Noninterest income to average assets | 0.7940% | 1,808 |
| Noninterest expense to average assets | 3.2659% | 1,802 |
| Loan and lease loss provision to assets | 0.0286% | 3,551 |
| Net operating income to assets | 0.7489% | 3,649 |
| Return on assets (ROA) | 0.7489% | 3,746 |
| Pretax return on assets | 0.7530% | 4,481 |
| Return on Equity (ROE) | 7.1624% | 3,517 |
| Retained earnings to average equity (ytd only) | 1.0176% | 5,162 |
| Net charge-offs to loans | -0.0074% | 4,847 |
| Credit loss provision to net charge-offs | -700.0000% | 5,284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5642% | 1,980 |
| Assets per employee ($millions) | 3.2536% | 5,240 |
| Cash dividends to net income (ytd only)* | 85.7923% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8359% | 5,506 |
| Loan loss allowance to noncurrent loans | 4,780.0000% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.2561% | 4,843 |
| Noncurrent loans to loans | 0.0175% | 5,693 |
| Net loans and leases to total assets | 58.0936% | 4,090 |
| Net loans and leases to deposits | 65.1785% | 4,418 |
| Net loans and leases to core deposits | 66.4012% | 4,620 |
| Total domestic deposits to total assets | 89.1300% | 1,077 |
| Equity capital to assets | 10.4377% | 3,510 |
| Core capital (leverage) ratio | 9.9276% | 3,705 |
| Tier 1 risk-based capital ratio | 17.9637% | 2,071 |
| Total risk-based capital ratio | 18.8431% | 2,141 |
| Memoranda: | ||
| Average total assets | $48,868,670 | 5,700 |
| Average earning assets | $46,021,000 | 5,656 |
| Average equity | $5,110,000 | 5,752 |
| Average total loans | $27,122,330 | 5,589 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6549% | 4,519 |
| Cost of funding earning assets | 0.3046% | 4,392 |
| Net interest margin | 3.3503% | 4,021 |
| Noninterest income to average assets | 0.8916% | 1,411 |
| Noninterest expense to average assets | 3.2474% | 1,847 |
| Loan and lease loss provision to assets | 0.0245% | 3,384 |
| Net operating income to assets | 0.7607% | 3,480 |
| Return on assets (ROA) | 0.7607% | 3,618 |
| Pretax return on assets | 0.7689% | 4,356 |
| Return on Equity (ROE) | 7.2685% | 3,353 |
| Retained earnings to average equity (ytd only) | -5.0020% | 5,937 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3401% | 2,138 |
| Assets per employee ($millions) | 3.3225% | 5,203 |
| Cash dividends to net income (ytd only)* | 168.8172% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8856% | 5,481 |
| Loan loss allowance to noncurrent loans | 1,671.4286% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.3431% | 4,630 |
| Noncurrent loans to loans | 0.0530% | 5,565 |
| Net loans and leases to total assets | 52.5493% | 4,607 |
| Net loans and leases to deposits | 58.8993% | 4,839 |
| Net loans and leases to core deposits | 59.2337% | 5,058 |
| Total domestic deposits to total assets | 89.2189% | 1,132 |
| Equity capital to assets | 10.2855% | 3,790 |
| Core capital (leverage) ratio | 9.7456% | 3,962 |
| Tier 1 risk-based capital ratio | 19.0408% | 1,852 |
| Total risk-based capital ratio | 19.9714% | 1,898 |
| Memoranda: | ||
| Average total assets | $48,901,000 | 5,748 |
| Average earning assets | $45,965,500 | 5,709 |
| Average equity | $5,118,000 | 5,807 |
| Average total loans | $26,388,000 | 5,661 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7637% | 4,604 |
| Cost of funding earning assets | 0.3504% | 4,249 |
| Net interest margin | 3.4133% | 4,142 |
| Noninterest income to average assets | 1.6952% | 445 |
| Noninterest expense to average assets | 3.6871% | 1,176 |
| Loan and lease loss provision to assets | 0.1413% | 1,878 |
| Net operating income to assets | 1.0567% | 2,139 |
| Return on assets (ROA) | 1.0567% | 2,203 |
| Pretax return on assets | 1.0595% | 3,258 |
| Return on Equity (ROE) | 10.4172% | 1,947 |
| Retained earnings to average equity (ytd only) | 5.9607% | 1,954 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6243% | 2,728 |
| Assets per employee ($millions) | 3.1977% | 5,440 |
| Cash dividends to net income (ytd only)* | 42.7807% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8804% | 5,528 |
| Loan loss allowance to noncurrent loans | 610.5263% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.4065% | 4,472 |
| Noncurrent loans to loans | 0.1442% | 5,315 |
| Net loans and leases to total assets | 54.4585% | 4,520 |
| Net loans and leases to deposits | 61.3083% | 4,781 |
| Net loans and leases to core deposits | 62.3711% | 4,972 |
| Total domestic deposits to total assets | 88.8273% | 1,341 |
| Equity capital to assets | 10.6536% | 3,294 |
| Core capital (leverage) ratio | 9.6177% | 4,072 |
| Tier 1 risk-based capital ratio | 18.0991% | 2,104 |
| Total risk-based capital ratio | 19.0047% | 2,183 |
| Memoranda: | ||
| Average total assets | $35,393,800 | 6,148 |
| Average earning assets | $33,105,600 | 6,116 |
| Average equity | $3,590,200 | 6,163 |
| Average total loans | $19,849,400 | 5,966 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5312% | 5,318 |
| Cost of funding earning assets | 0.3928% | 3,864 |
| Net interest margin | 3.1383% | 5,150 |
| Noninterest income to average assets | 1.3808% | 652 |
| Noninterest expense to average assets | 3.3528% | 1,786 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9633% | 2,631 |
| Return on assets (ROA) | 0.9633% | 2,703 |
| Pretax return on assets | 0.9674% | 3,728 |
| Return on Equity (ROE) | 9.6771% | 2,360 |
| Retained earnings to average equity (ytd only) | 3.0319% | 4,458 |
| Net charge-offs to loans | -0.0073% | 5,364 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6077% | 2,250 |
| Assets per employee ($millions) | 3.7781% | 4,335 |
| Cash dividends to net income (ytd only)* | 68.6699% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6965% | 6,110 |
| Loan loss allowance to noncurrent loans | 6,100.0000% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.3258% | 4,971 |
| Noncurrent loans to loans | 0.0114% | 5,989 |
| Net loans and leases to total assets | 53.1223% | 4,681 |
| Net loans and leases to deposits | 59.4139% | 4,992 |
| Net loans and leases to core deposits | 60.4126% | 5,163 |
| Total domestic deposits to total assets | 89.4106% | 1,024 |
| Equity capital to assets | 10.0397% | 4,117 |
| Core capital (leverage) ratio | 13.2994% | 1,064 |
| Tier 1 risk-based capital ratio | 17.1187% | 2,566 |
| Total risk-based capital ratio | 17.8149% | 2,739 |
| Memoranda: | ||
| Average total assets | $32,251,000 | 6,283 |
| Average earning assets | $30,206,500 | 6,254 |
| Average equity | $3,210,250 | 6,301 |
| Average total loans | $18,223,500 | 6,101 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0092% | 3,697 |
| Cost of funding earning assets | 0.4731% | 3,085 |
| Net interest margin | 3.5361% | 3,624 |
| Noninterest income to average assets | 1.1040% | 969 |
| Noninterest expense to average assets | 3.6651% | 1,194 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7435% | 3,603 |
| Return on assets (ROA) | 0.7435% | 3,706 |
| Pretax return on assets | 0.7510% | 4,454 |
| Return on Equity (ROE) | 7.5095% | 3,362 |
| Retained earnings to average equity (ytd only) | -4.6270% | 6,207 |
| Net charge-offs to loans | -0.0129% | 5,397 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9932% | 1,631 |
| Assets per employee ($millions) | 3.8890% | 4,086 |
| Cash dividends to net income (ytd only)* | 161.6162% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1874% | 4,479 |
| Loan loss allowance to noncurrent loans | 174.2857% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.3857% | 4,859 |
| Noncurrent loans to loans | 0.6813% | 4,011 |
| Net loans and leases to total assets | 55.9417% | 4,297 |
| Net loans and leases to deposits | 62.5935% | 4,631 |
| Net loans and leases to core deposits | 63.7730% | 4,838 |
| Total domestic deposits to total assets | 89.3730% | 1,175 |
| Equity capital to assets | 9.7344% | 4,449 |
| Core capital (leverage) ratio | 9.0131% | 5,001 |
| Tier 1 risk-based capital ratio | 17.6837% | 2,362 |
| Total risk-based capital ratio | 18.9363% | 2,324 |
| Memoranda: | ||
| Average total assets | $26,629,670 | 6,458 |
| Average earning assets | $24,942,670 | 6,411 |
| Average equity | $2,636,670 | 6,458 |
| Average total loans | $15,540,000 | 6,270 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9079% | 4,051 |
| Cost of funding earning assets | 0.4683% | 3,244 |
| Net interest margin | 3.4396% | 3,941 |
| Noninterest income to average assets | 1.0633% | 988 |
| Noninterest expense to average assets | 3.2507% | 2,070 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0329% | 2,073 |
| Return on assets (ROA) | 1.0329% | 2,147 |
| Pretax return on assets | 1.0481% | 3,146 |
| Return on Equity (ROE) | 10.3422% | 1,922 |
| Retained earnings to average equity (ytd only) | -13.9924% | 6,451 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6184% | 2,857 |
| Assets per employee ($millions) | 3.9876% | 3,972 |
| Cash dividends to net income (ytd only)* | 235.2941% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2257% | 4,516 |
| Loan loss allowance to noncurrent loans | 168.5185% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 0.5123% | 4,619 |
| Noncurrent loans to loans | 0.7273% | 4,045 |
| Net loans and leases to total assets | 52.5454% | 4,603 |
| Net loans and leases to deposits | 58.4739% | 4,894 |
| Net loans and leases to core deposits | 59.5421% | 5,081 |
| Total domestic deposits to total assets | 89.8614% | 1,145 |
| Equity capital to assets | 9.2860% | 4,775 |
| Core capital (leverage) ratio | 9.3870% | 4,441 |
| Tier 1 risk-based capital ratio | 17.9543% | 2,317 |
| Total risk-based capital ratio | 19.2059% | 2,295 |
| Memoranda: | ||
| Average total assets | $26,333,000 | 6,529 |
| Average earning assets | $24,770,500 | 6,484 |
| Average equity | $2,630,000 | 6,517 |
| Average total loans | $15,604,000 | 6,324 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2228% | 3,260 |
| Cost of funding earning assets | 0.5572% | 3,050 |
| Net interest margin | 3.6657% | 3,198 |
| Noninterest income to average assets | 1.5729% | 582 |
| Noninterest expense to average assets | 3.5242% | 1,604 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.4980% | 830 |
| Return on assets (ROA) | 1.4980% | 866 |
| Pretax return on assets | 1.4980% | 1,454 |
| Return on Equity (ROE) | 14.0647% | 938 |
| Retained earnings to average equity (ytd only) | 1.8136% | 4,945 |
| Net charge-offs to loans | 0.1208% | 3,603 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,572 |
| Efficiency ratio | 70.1727% | 3,813 |
| Assets per employee ($millions) | 3.5361% | 4,833 |
| Cash dividends to net income (ytd only)* | 87.1053% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1125% | 5,086 |
| Loan loss allowance to noncurrent loans | 6,066.6667% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.1535% | 5,858 |
| Noncurrent loans to loans | 0.0183% | 6,211 |
| Net loans and leases to total assets | 65.3537% | 2,799 |
| Net loans and leases to deposits | 74.1146% | 3,241 |
| Net loans and leases to core deposits | 75.6748% | 3,648 |
| Total domestic deposits to total assets | 88.1792% | 2,071 |
| Equity capital to assets | 10.7785% | 2,847 |
| Core capital (leverage) ratio | 10.5439% | 2,859 |
| Tier 1 risk-based capital ratio | 16.9649% | 2,625 |
| Total risk-based capital ratio | 18.1580% | 2,616 |
| Memoranda: | ||
| Average total assets | $25,367,400 | 6,618 |
| Average earning assets | $23,870,200 | 6,580 |
| Average equity | $2,701,800 | 6,589 |
| Average total loans | $15,723,600 | 6,388 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1519% | 3,560 |
| Cost of funding earning assets | 0.5694% | 3,085 |
| Net interest margin | 3.5825% | 3,527 |
| Noninterest income to average assets | 1.6039% | 569 |
| Noninterest expense to average assets | 3.2757% | 2,129 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.7136% | 615 |
| Return on assets (ROA) | 1.7136% | 641 |
| Pretax return on assets | 1.7136% | 1,069 |
| Return on Equity (ROE) | 16.1358% | 633 |
| Retained earnings to average equity (ytd only) | 7.7236% | 1,538 |
| Net charge-offs to loans | 0.0429% | 4,299 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 65.5652% | 700 |
| Efficiency ratio | 65.6545% | 4,552 |
| Assets per employee ($millions) | 3.4669% | 4,908 |
| Cash dividends to net income (ytd only)* | 52.1334% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2242% | 4,766 |
| Loan loss allowance to noncurrent loans | 1,031.5789% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.2225% | 5,779 |
| Noncurrent loans to loans | 0.1187% | 5,969 |
| Net loans and leases to total assets | 65.1640% | 2,775 |
| Net loans and leases to deposits | 74.5908% | 3,144 |
| Net loans and leases to core deposits | 76.2084% | 3,593 |
| Total domestic deposits to total assets | 87.3620% | 2,477 |
| Equity capital to assets | 11.5419% | 2,272 |
| Core capital (leverage) ratio | 10.6963% | 2,795 |
| Tier 1 risk-based capital ratio | 18.0733% | 2,297 |
| Total risk-based capital ratio | 19.3202% | 2,261 |
| Memoranda: | ||
| Average total assets | $25,521,000 | 6,691 |
| Average earning assets | $24,116,750 | 6,648 |
| Average equity | $2,710,250 | 6,663 |
| Average total loans | $15,564,750 | 6,457 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0935% | 3,759 |
| Cost of funding earning assets | 0.5813% | 3,115 |
| Net interest margin | 3.5122% | 3,731 |
| Noninterest income to average assets | 1.0024% | 1,532 |
| Noninterest expense to average assets | 3.0148% | 2,955 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2954% | 1,332 |
| Return on assets (ROA) | 1.2954% | 1,423 |
| Pretax return on assets | 1.2954% | 2,316 |
| Return on Equity (ROE) | 12.5373% | 1,352 |
| Retained earnings to average equity (ytd only) | -0.2239% | 5,901 |
| Net charge-offs to loans | 0.0649% | 3,776 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 33.6000% | 1,054 |
| Efficiency ratio | 69.9463% | 3,835 |
| Assets per employee ($millions) | 3.5810% | 4,666 |
| Cash dividends to net income (ytd only)* | 101.7857% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2830% | 4,591 |
| Loan loss allowance to noncurrent loans | 1,088.8889% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.2114% | 5,868 |
| Noncurrent loans to loans | 0.1178% | 6,036 |
| Net loans and leases to total assets | 60.1628% | 3,628 |
| Net loans and leases to deposits | 67.9968% | 4,016 |
| Net loans and leases to core deposits | 69.4049% | 4,338 |
| Total domestic deposits to total assets | 88.4789% | 1,929 |
| Equity capital to assets | 10.4320% | 3,388 |
| Core capital (leverage) ratio | 9.9506% | 3,587 |
| Tier 1 risk-based capital ratio | 17.8140% | 2,389 |
| Total risk-based capital ratio | 19.0643% | 2,356 |
| Memoranda: | ||
| Average total assets | $25,938,670 | 6,732 |
| Average earning assets | $24,429,000 | 6,690 |
| Average equity | $2,680,000 | 6,720 |
| Average total loans | $15,416,330 | 6,502 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0660% | 3,864 |
| Cost of funding earning assets | 0.6131% | 2,981 |
| Net interest margin | 3.4529% | 3,891 |
| Noninterest income to average assets | 0.9858% | 1,502 |
| Noninterest expense to average assets | 3.0332% | 2,886 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1981% | 1,533 |
| Return on assets (ROA) | 1.1981% | 1,640 |
| Pretax return on assets | 1.1981% | 2,579 |
| Return on Equity (ROE) | 11.6498% | 1,519 |
| Retained earnings to average equity (ytd only) | -13.5668% | 6,712 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6846% | 3,675 |
| Assets per employee ($millions) | 3.7281% | 4,496 |
| Cash dividends to net income (ytd only)* | 216.4557% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3626% | 4,414 |
| Loan loss allowance to noncurrent loans | 1,182.3529% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.2146% | 5,919 |
| Noncurrent loans to loans | 0.1152% | 6,127 |
| Net loans and leases to total assets | 55.7535% | 4,126 |
| Net loans and leases to deposits | 62.7859% | 4,446 |
| Net loans and leases to core deposits | 64.0292% | 4,738 |
| Total domestic deposits to total assets | 88.7995% | 1,796 |
| Equity capital to assets | 10.1774% | 3,925 |
| Core capital (leverage) ratio | 8.8591% | 5,107 |
| Tier 1 risk-based capital ratio | 17.5643% | 2,536 |
| Total risk-based capital ratio | 18.8137% | 2,503 |
| Memoranda: | ||
| Average total assets | $26,374,500 | 6,793 |
| Average earning assets | $24,791,000 | 6,750 |
| Average equity | $2,712,500 | 6,781 |
| Average total loans | $15,486,000 | 6,556 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5163% | 3,330 |
| Cost of funding earning assets | 0.7442% | 3,123 |
| Net interest margin | 3.7721% | 3,351 |
| Noninterest income to average assets | 1.5797% | 633 |
| Noninterest expense to average assets | 3.4792% | 1,867 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.6033% | 756 |
| Return on assets (ROA) | 1.6033% | 835 |
| Pretax return on assets | 1.6033% | 1,378 |
| Return on Equity (ROE) | 14.8849% | 830 |
| Retained earnings to average equity (ytd only) | 3.2996% | 3,903 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4538% | 4,064 |
| Assets per employee ($millions) | 3.8074% | 4,351 |
| Cash dividends to net income (ytd only)* | 77.8325% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2391% | 4,937 |
| Loan loss allowance to noncurrent loans | 1,116.6667% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.2139% | 6,026 |
| Noncurrent loans to loans | 0.1110% | 6,212 |
| Net loans and leases to total assets | 60.1081% | 3,587 |
| Net loans and leases to deposits | 67.9101% | 3,998 |
| Net loans and leases to core deposits | 68.7849% | 4,453 |
| Total domestic deposits to total assets | 88.5112% | 1,897 |
| Equity capital to assets | 10.3895% | 3,654 |
| Core capital (leverage) ratio | 9.6202% | 3,932 |
| Tier 1 risk-based capital ratio | 16.9732% | 2,667 |
| Total risk-based capital ratio | 18.2238% | 2,631 |
| Memoranda: | ||
| Average total assets | $25,322,000 | 6,864 |
| Average earning assets | $23,514,800 | 6,826 |
| Average equity | $2,727,600 | 6,838 |
| Average total loans | $15,505,200 | 6,631 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5652% | 3,357 |
| Cost of funding earning assets | 0.7609% | 3,264 |
| Net interest margin | 3.8044% | 3,321 |
| Noninterest income to average assets | 1.4993% | 666 |
| Noninterest expense to average assets | 3.3720% | 2,078 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.6487% | 762 |
| Return on assets (ROA) | 1.6487% | 843 |
| Pretax return on assets | 1.6487% | 1,415 |
| Return on Equity (ROE) | 15.1620% | 874 |
| Retained earnings to average equity (ytd only) | 7.0167% | 2,119 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1626% | 4,230 |
| Assets per employee ($millions) | 3.4796% | 5,013 |
| Cash dividends to net income (ytd only)* | 53.7222% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2912% | 4,851 |
| Loan loss allowance to noncurrent loans | 957.1429% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.2463% | 6,084 |
| Noncurrent loans to loans | 0.1349% | 6,260 |
| Net loans and leases to total assets | 63.0866% | 3,189 |
| Net loans and leases to deposits | 72.5085% | 3,531 |
| Net loans and leases to core deposits | 73.5497% | 4,039 |
| Total domestic deposits to total assets | 87.0058% | 2,663 |
| Equity capital to assets | 11.6804% | 2,557 |
| Core capital (leverage) ratio | 10.4272% | 3,002 |
| Tier 1 risk-based capital ratio | 17.4970% | 2,541 |
| Total risk-based capital ratio | 18.7458% | 2,511 |
| Memoranda: | ||
| Average total assets | $24,989,500 | 6,959 |
| Average earning assets | $23,130,750 | 6,924 |
| Average equity | $2,717,250 | 6,929 |
| Average total loans | $15,326,250 | 6,728 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4884% | 3,814 |
| Cost of funding earning assets | 0.7724% | 3,427 |
| Net interest margin | 3.7160% | 3,748 |
| Noninterest income to average assets | 1.2301% | 943 |
| Noninterest expense to average assets | 3.1269% | 2,826 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.5397% | 931 |
| Return on assets (ROA) | 1.5397% | 1,045 |
| Pretax return on assets | 1.5397% | 1,747 |
| Return on Equity (ROE) | 14.5065% | 1,009 |
| Retained earnings to average equity (ytd only) | 2.0937% | 5,152 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0068% | 4,320 |
| Assets per employee ($millions) | 3.5873% | 4,771 |
| Cash dividends to net income (ytd only)* | 85.5670% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3319% | 4,734 |
| Loan loss allowance to noncurrent loans | 957.1429% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.2389% | 6,172 |
| Noncurrent loans to loans | 0.1392% | 6,311 |
| Net loans and leases to total assets | 59.2967% | 3,944 |
| Net loans and leases to deposits | 67.4488% | 4,294 |
| Net loans and leases to core deposits | 68.3780% | 4,742 |
| Total domestic deposits to total assets | 87.9137% | 2,196 |
| Equity capital to assets | 10.8399% | 3,300 |
| Core capital (leverage) ratio | 9.5512% | 4,077 |
| Tier 1 risk-based capital ratio | 17.0241% | 2,651 |
| Total risk-based capital ratio | 18.2749% | 2,616 |
| Memoranda: | ||
| Average total assets | $25,200,330 | 7,006 |
| Average earning assets | $23,304,670 | 6,977 |
| Average equity | $2,674,670 | 6,975 |
| Average total loans | $15,246,000 | 6,785 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4873% | 3,973 |
| Cost of funding earning assets | 0.7848% | 3,586 |
| Net interest margin | 3.7024% | 3,819 |
| Noninterest income to average assets | 1.1884% | 1,013 |
| Noninterest expense to average assets | 2.8362% | 3,876 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.7905% | 607 |
| Return on assets (ROA) | 1.7905% | 682 |
| Pretax return on assets | 1.7905% | 1,086 |
| Return on Equity (ROE) | 17.0502% | 663 |
| Retained earnings to average equity (ytd only) | -7.9970% | 6,765 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3014% | 5,401 |
| Assets per employee ($millions) | 3.8147% | 4,392 |
| Cash dividends to net income (ytd only)* | 146.9027% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3678% | 4,736 |
| Loan loss allowance to noncurrent loans | 295.5882% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.4494% | 5,735 |
| Noncurrent loans to loans | 0.4627% | 5,752 |
| Net loans and leases to total assets | 54.2785% | 4,676 |
| Net loans and leases to deposits | 60.9812% | 5,046 |
| Net loans and leases to core deposits | 61.7607% | 5,346 |
| Total domestic deposits to total assets | 89.0087% | 1,692 |
| Equity capital to assets | 9.8191% | 4,348 |
| Core capital (leverage) ratio | 9.0892% | 4,701 |
| Tier 1 risk-based capital ratio | 16.7202% | 2,799 |
| Total risk-based capital ratio | 17.9693% | 2,757 |
| Memoranda: | ||
| Average total assets | $25,245,000 | 7,071 |
| Average earning assets | $23,444,000 | 7,034 |
| Average equity | $2,651,000 | 7,030 |
| Average total loans | $15,323,500 | 6,833 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8482% | 3,594 |
| Cost of funding earning assets | 1.0607% | 2,951 |
| Net interest margin | 3.7875% | 3,892 |
| Noninterest income to average assets | 1.5369% | 560 |
| Noninterest expense to average assets | 3.4278% | 2,177 |
| Loan and lease loss provision to assets | 0.0750% | 5,674 |
| Net operating income to assets | 1.6035% | 655 |
| Return on assets (ROA) | 1.6452% | 653 |
| Pretax return on assets | 1.6452% | 1,108 |
| Return on Equity (ROE) | 15.4442% | 683 |
| Retained earnings to average equity (ytd only) | 5.0438% | 2,610 |
| Net charge-offs to loans | 0.0256% | 6,080 |
| Credit loss provision to net charge-offs | 450.0000% | 501 |
| Earnings coverage of net charge-offs (x) | 100.7500% | 307 |
| Efficiency ratio | 67.1289% | 4,548 |
| Assets per employee ($millions) | 3.3981% | 5,252 |
| Cash dividends to net income (ytd only)* | 67.3418% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2600% | 5,112 |
| Loan loss allowance to noncurrent loans | 804.0000% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.3237% | 6,167 |
| Noncurrent loans to loans | 0.1567% | 6,439 |
| Net loans and leases to total assets | 66.2168% | 2,744 |
| Net loans and leases to deposits | 75.8134% | 3,206 |
| Net loans and leases to core deposits | 76.9242% | 3,837 |
| Total domestic deposits to total assets | 87.3418% | 2,557 |
| Equity capital to assets | 11.2667% | 2,723 |
| Core capital (leverage) ratio | 10.1152% | 3,204 |
| Tier 1 risk-based capital ratio | 15.6516% | 3,236 |
| Total risk-based capital ratio | 16.9042% | 3,195 |
| Memoranda: | ||
| Average total assets | $24,009,800 | 7,125 |
| Average earning assets | $22,627,000 | 7,089 |
| Average equity | $2,557,600 | 7,109 |
| Average total loans | $15,619,400 | 6,872 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8129% | 3,968 |
| Cost of funding earning assets | 1.1183% | 2,848 |
| Net interest margin | 3.6946% | 4,357 |
| Noninterest income to average assets | 1.5790% | 530 |
| Noninterest expense to average assets | 3.2078% | 2,806 |
| Loan and lease loss provision to assets | 0.0665% | 5,624 |
| Net operating income to assets | 1.8006% | 517 |
| Return on assets (ROA) | 1.8006% | 563 |
| Pretax return on assets | 1.8006% | 954 |
| Return on Equity (ROE) | 17.1476% | 551 |
| Retained earnings to average equity (ytd only) | 11.0273% | 628 |
| Net charge-offs to loans | 0.0343% | 5,670 |
| Credit loss provision to net charge-offs | 300.0000% | 944 |
| Earnings coverage of net charge-offs (x) | 84.3002% | 422 |
| Efficiency ratio | 63.2096% | 5,194 |
| Assets per employee ($millions) | 3.3981% | 5,251 |
| Cash dividends to net income (ytd only)* | 35.6919% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2423% | 5,293 |
| Loan loss allowance to noncurrent loans | 286.7647% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.6390% | 5,542 |
| Noncurrent loans to loans | 0.4332% | 5,974 |
| Net loans and leases to total assets | 65.1701% | 3,072 |
| Net loans and leases to deposits | 74.9323% | 3,516 |
| Net loans and leases to core deposits | 76.9865% | 4,054 |
| Total domestic deposits to total assets | 86.9719% | 2,677 |
| Equity capital to assets | 11.6240% | 2,563 |
| Core capital (leverage) ratio | 10.4448% | 2,942 |
| Tier 1 risk-based capital ratio | 16.7317% | 2,749 |
| Total risk-based capital ratio | 18.0218% | 2,702 |
| Memoranda: | ||
| Average total assets | $24,065,500 | 7,201 |
| Average earning assets | $22,771,500 | 7,155 |
| Average equity | $2,527,000 | 7,182 |
| Average total loans | $15,536,250 | 6,942 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7356% | 4,364 |
| Cost of funding earning assets | 1.1379% | 2,979 |
| Net interest margin | 3.5976% | 4,729 |
| Noninterest income to average assets | 1.2253% | 843 |
| Noninterest expense to average assets | 3.0548% | 3,414 |
| Loan and lease loss provision to assets | 0.0993% | 5,081 |
| Net operating income to assets | 1.4736% | 938 |
| Return on assets (ROA) | 1.4736% | 993 |
| Pretax return on assets | 1.4736% | 1,603 |
| Return on Equity (ROE) | 14.5444% | 881 |
| Retained earnings to average equity (ytd only) | 5.0660% | 2,962 |
| Net charge-offs to loans | 0.0517% | 5,135 |
| Credit loss provision to net charge-offs | 300.0000% | 1,005 |
| Earnings coverage of net charge-offs (x) | 47.5000% | 650 |
| Efficiency ratio | 66.0107% | 4,870 |
| Assets per employee ($millions) | 3.4540% | 5,068 |
| Cash dividends to net income (ytd only)* | 65.1685% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3083% | 5,021 |
| Loan loss allowance to noncurrent loans | 319.6721% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.5997% | 5,720 |
| Noncurrent loans to loans | 0.4093% | 6,083 |
| Net loans and leases to total assets | 60.8404% | 4,119 |
| Net loans and leases to deposits | 69.1487% | 4,547 |
| Net loans and leases to core deposits | 70.1378% | 5,058 |
| Total domestic deposits to total assets | 87.9849% | 2,145 |
| Equity capital to assets | 10.5757% | 3,411 |
| Core capital (leverage) ratio | 9.7036% | 3,655 |
| Tier 1 risk-based capital ratio | 16.5440% | 2,719 |
| Total risk-based capital ratio | 17.8631% | 2,645 |
| Memoranda: | ||
| Average total assets | $24,158,330 | 7,261 |
| Average earning assets | $22,848,330 | 7,220 |
| Average equity | $2,447,670 | 7,255 |
| Average total loans | $15,482,670 | 7,015 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8250% | 3,935 |
| Cost of funding earning assets | 1.1713% | 3,010 |
| Net interest margin | 3.6537% | 4,310 |
| Noninterest income to average assets | 0.9773% | 1,398 |
| Noninterest expense to average assets | 3.0644% | 3,408 |
| Loan and lease loss provision to assets | 0.0994% | 4,765 |
| Net operating income to assets | 1.2754% | 1,331 |
| Return on assets (ROA) | 1.2754% | 1,377 |
| Pretax return on assets | 1.2754% | 2,118 |
| Return on Equity (ROE) | 12.8709% | 1,225 |
| Retained earnings to average equity (ytd only) | -6.5190% | 6,641 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0299% | 4,472 |
| Assets per employee ($millions) | 3.4871% | 5,025 |
| Cash dividends to net income (ytd only)* | 150.6494% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2600% | 5,342 |
| Loan loss allowance to noncurrent loans | 292.4242% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.6145% | 5,739 |
| Noncurrent loans to loans | 0.4309% | 6,141 |
| Net loans and leases to total assets | 61.9623% | 3,861 |
| Net loans and leases to deposits | 69.7905% | 4,374 |
| Net loans and leases to core deposits | 70.7702% | 4,955 |
| Total domestic deposits to total assets | 88.7833% | 1,907 |
| Equity capital to assets | 9.7624% | 4,086 |
| Core capital (leverage) ratio | 9.3403% | 4,067 |
| Tier 1 risk-based capital ratio | 15.7310% | 3,036 |
| Total risk-based capital ratio | 16.9793% | 3,000 |
| Memoranda: | ||
| Average total assets | $24,148,500 | 7,311 |
| Average earning assets | $22,881,000 | 7,265 |
| Average equity | $2,393,000 | 7,322 |
| Average total loans | $15,771,500 | 7,046 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5358% | 2,139 |
| Cost of funding earning assets | 1.4220% | 3,126 |
| Net interest margin | 4.1138% | 2,506 |
| Noninterest income to average assets | 1.5769% | 585 |
| Noninterest expense to average assets | 3.5916% | 1,947 |
| Loan and lease loss provision to assets | 0.4973% | 3,169 |
| Net operating income to assets | 1.1646% | 1,499 |
| Return on assets (ROA) | 1.1646% | 1,580 |
| Pretax return on assets | 1.1646% | 2,348 |
| Return on Equity (ROE) | 11.5797% | 1,424 |
| Retained earnings to average equity (ytd only) | 4.5643% | 2,680 |
| Net charge-offs to loans | 0.4449% | 3,833 |
| Credit loss provision to net charge-offs | 164.7887% | 2,091 |
| Earnings coverage of net charge-offs (x) | 5.5070% | 2,606 |
| Efficiency ratio | 68.3657% | 4,487 |
| Assets per employee ($millions) | 3.4124% | 5,142 |
| Cash dividends to net income (ytd only)* | 60.5839% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1525% | 5,724 |
| Loan loss allowance to noncurrent loans | 62.7517% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 1.5992% | 3,910 |
| Noncurrent loans to loans | 1.8367% | 3,770 |
| Net loans and leases to total assets | 67.1411% | 3,179 |
| Net loans and leases to deposits | 75.9195% | 3,852 |
| Net loans and leases to core deposits | 75.9195% | 4,729 |
| Total domestic deposits to total assets | 88.4372% | 1,992 |
| Equity capital to assets | 10.0599% | 3,672 |
| Core capital (leverage) ratio | 9.5824% | 3,586 |
| Tier 1 risk-based capital ratio | 15.6008% | 2,951 |
| Total risk-based capital ratio | 16.8583% | 2,905 |
| Memoranda: | ||
| Average total assets | $23,527,400 | 7,383 |
| Average earning assets | $21,026,800 | 7,376 |
| Average equity | $2,366,200 | 7,433 |
| Average total loans | $15,960,000 | 7,123 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7157% | 1,663 |
| Cost of funding earning assets | 1.4661% | 3,177 |
| Net interest margin | 4.2497% | 2,036 |
| Noninterest income to average assets | 1.6213% | 533 |
| Noninterest expense to average assets | 3.4701% | 2,115 |
| Loan and lease loss provision to assets | 0.1934% | 5,104 |
| Net operating income to assets | 1.7009% | 623 |
| Return on assets (ROA) | 1.7009% | 675 |
| Pretax return on assets | 1.7009% | 1,116 |
| Return on Equity (ROE) | 16.9139% | 594 |
| Retained earnings to average equity (ytd only) | 7.5235% | 1,589 |
| Net charge-offs to loans | 0.2097% | 4,687 |
| Credit loss provision to net charge-offs | 136.0000% | 2,951 |
| Earnings coverage of net charge-offs (x) | 13.3210% | 1,593 |
| Efficiency ratio | 64.6872% | 5,112 |
| Assets per employee ($millions) | 3.2246% | 5,620 |
| Cash dividends to net income (ytd only)* | 55.5185% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9765% | 6,494 |
| Loan loss allowance to noncurrent loans | 37.6884% | 5,822 |
| Noncurrent assets plus other real estate owned to assets | 1.9050% | 3,605 |
| Noncurrent loans to loans | 2.5910% | 3,032 |
| Net loans and leases to total assets | 67.3888% | 3,356 |
| Net loans and leases to deposits | 77.3231% | 3,951 |
| Net loans and leases to core deposits | 78.5895% | 4,726 |
| Total domestic deposits to total assets | 87.1522% | 2,449 |
| Equity capital to assets | 11.1731% | 2,798 |
| Core capital (leverage) ratio | 10.3818% | 2,820 |
| Tier 1 risk-based capital ratio | 15.8872% | 2,819 |
| Total risk-based capital ratio | 16.9039% | 2,885 |
| Memoranda: | ||
| Average total assets | $23,437,500 | 7,482 |
| Average earning assets | $20,644,250 | 7,480 |
| Average equity | $2,357,000 | 7,534 |
| Average total loans | $15,893,750 | 7,215 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6010% | 2,133 |
| Cost of funding earning assets | 1.4595% | 3,500 |
| Net interest margin | 4.1415% | 2,372 |
| Noninterest income to average assets | 1.1970% | 901 |
| Noninterest expense to average assets | 3.1442% | 3,123 |
| Loan and lease loss provision to assets | 0.1686% | 5,192 |
| Net operating income to assets | 1.5679% | 787 |
| Return on assets (ROA) | 1.5679% | 840 |
| Pretax return on assets | 1.5679% | 1,386 |
| Return on Equity (ROE) | 16.1599% | 678 |
| Retained earnings to average equity (ytd only) | 1.7376% | 5,000 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4214% | 5,254 |
| Assets per employee ($millions) | 3.2531% | 5,546 |
| Cash dividends to net income (ytd only)* | 89.2473% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9886% | 6,456 |
| Loan loss allowance to noncurrent loans | 43.7500% | 5,391 |
| Noncurrent assets plus other real estate owned to assets | 2.2615% | 3,183 |
| Noncurrent loans to loans | 2.2596% | 3,417 |
| Net loans and leases to total assets | 70.8106% | 2,713 |
| Net loans and leases to deposits | 80.4199% | 3,529 |
| Net loans and leases to core deposits | 81.7118% | 4,457 |
| Total domestic deposits to total assets | 88.0511% | 1,973 |
| Equity capital to assets | 10.2846% | 3,670 |
| Core capital (leverage) ratio | 9.6374% | 3,628 |
| Tier 1 risk-based capital ratio | 15.0645% | 3,127 |
| Total risk-based capital ratio | 16.1521% | 3,180 |
| Memoranda: | ||
| Average total assets | $23,726,000 | 7,538 |
| Average earning assets | $21,103,330 | 7,527 |
| Average equity | $2,302,000 | 7,604 |
| Average total loans | $16,071,330 | 7,257 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5869% | 2,205 |
| Cost of funding earning assets | 1.4811% | 3,688 |
| Net interest margin | 4.1058% | 2,414 |
| Noninterest income to average assets | 1.0081% | 1,276 |
| Noninterest expense to average assets | 3.0409% | 3,520 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.5866% | 776 |
| Return on assets (ROA) | 1.5866% | 828 |
| Pretax return on assets | 1.5866% | 1,298 |
| Return on Equity (ROE) | 16.8273% | 624 |
| Retained earnings to average equity (ytd only) | -12.2699% | 7,083 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7143% | 5,176 |
| Assets per employee ($millions) | 3.4690% | 5,101 |
| Cash dividends to net income (ytd only)* | 172.9167% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8871% | 6,875 |
| Loan loss allowance to noncurrent loans | 57.5510% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 1.6143% | 4,068 |
| Noncurrent loans to loans | 1.5415% | 4,437 |
| Net loans and leases to total assets | 64.8725% | 4,125 |
| Net loans and leases to deposits | 72.7621% | 4,952 |
| Net loans and leases to core deposits | 73.8330% | 5,515 |
| Total domestic deposits to total assets | 89.1570% | 1,434 |
| Equity capital to assets | 9.2452% | 4,925 |
| Core capital (leverage) ratio | 8.8482% | 4,792 |
| Tier 1 risk-based capital ratio | 14.3096% | 3,485 |
| Total risk-based capital ratio | 15.2520% | 3,617 |
| Memoranda: | ||
| Average total assets | $24,203,000 | 7,615 |
| Average earning assets | $21,335,500 | 7,619 |
| Average equity | $2,282,000 | 7,695 |
| Average total loans | $15,964,000 | 7,353 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4877% | 4,208 |
| Cost of funding earning assets | 1.6735% | 4,649 |
| Net interest margin | 3.8142% | 3,645 |
| Noninterest income to average assets | 1.9130% | 404 |
| Noninterest expense to average assets | 3.7378% | 1,822 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.6970% | 442 |
| Return on assets (ROA) | 1.6970% | 471 |
| Pretax return on assets | 1.7014% | 775 |
| Return on Equity (ROE) | 17.0868% | 451 |
| Retained earnings to average equity (ytd only) | 2.9735% | 3,084 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7196% | 4,880 |
| Assets per employee ($millions) | 3.4461% | 5,138 |
| Cash dividends to net income (ytd only)* | 82.5974% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8794% | 6,893 |
| Loan loss allowance to noncurrent loans | 37.8016% | 5,914 |
| Noncurrent assets plus other real estate owned to assets | 2.1556% | 3,191 |
| Noncurrent loans to loans | 2.3263% | 3,263 |
| Net loans and leases to total assets | 65.8832% | 4,184 |
| Net loans and leases to deposits | 74.2039% | 5,004 |
| Net loans and leases to core deposits | 97.0683% | 4,341 |
| Total domestic deposits to total assets | 88.7866% | 1,581 |
| Equity capital to assets | 9.6132% | 4,256 |
| Core capital (leverage) ratio | 9.3780% | 3,862 |
| Tier 1 risk-based capital ratio | 14.5316% | 3,193 |
| Total risk-based capital ratio | 15.4579% | 3,326 |
| Memoranda: | ||
| Average total assets | $22,687,200 | 7,711 |
| Average earning assets | $20,974,000 | 7,679 |
| Average equity | $2,253,200 | 7,789 |
| Average total loans | $14,615,200 | 7,471 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5026% | 4,408 |
| Cost of funding earning assets | 1.7055% | 4,867 |
| Net interest margin | 3.7971% | 3,670 |
| Noninterest income to average assets | 1.9526% | 389 |
| Noninterest expense to average assets | 3.5350% | 2,183 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.9347% | 335 |
| Return on assets (ROA) | 1.9347% | 363 |
| Pretax return on assets | 1.9407% | 604 |
| Return on Equity (ROE) | 19.3133% | 350 |
| Retained earnings to average equity (ytd only) | 8.1069% | 1,106 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5583% | 5,647 |
| Assets per employee ($millions) | 3.2727% | 5,461 |
| Cash dividends to net income (ytd only)* | 58.0245% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9305% | 6,634 |
| Loan loss allowance to noncurrent loans | 45.4839% | 5,280 |
| Noncurrent assets plus other real estate owned to assets | 1.9948% | 3,353 |
| Noncurrent loans to loans | 2.0458% | 3,572 |
| Net loans and leases to total assets | 65.5288% | 4,528 |
| Net loans and leases to deposits | 74.7684% | 5,253 |
| Net loans and leases to core deposits | 100.0000% | 4,373 |
| Total domestic deposits to total assets | 87.6424% | 1,827 |
| Equity capital to assets | 10.6508% | 3,344 |
| Core capital (leverage) ratio | 10.0018% | 3,281 |
| Tier 1 risk-based capital ratio | 15.9742% | 2,635 |
| Total risk-based capital ratio | 16.9621% | 2,667 |
| Memoranda: | ||
| Average total assets | $22,328,250 | 7,793 |
| Average earning assets | $20,717,000 | 7,762 |
| Average equity | $2,236,750 | 7,872 |
| Average total loans | $14,260,500 | 7,554 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4529% | 4,879 |
| Cost of funding earning assets | 1.7040% | 5,254 |
| Net interest margin | 3.7488% | 3,758 |
| Noninterest income to average assets | 1.5993% | 588 |
| Noninterest expense to average assets | 3.4968% | 2,344 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.5722% | 725 |
| Return on assets (ROA) | 1.5722% | 782 |
| Pretax return on assets | 1.5812% | 1,247 |
| Return on Equity (ROE) | 16.0443% | 689 |
| Retained earnings to average equity (ytd only) | -1.2909% | 5,566 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8612% | 5,001 |
| Assets per employee ($millions) | 3.2313% | 5,503 |
| Cash dividends to net income (ytd only)* | 108.0460% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9598% | 6,506 |
| Loan loss allowance to noncurrent loans | 35.6962% | 6,058 |
| Noncurrent assets plus other real estate owned to assets | 2.3962% | 2,709 |
| Noncurrent loans to loans | 2.6887% | 2,675 |
| Net loans and leases to total assets | 64.3265% | 4,917 |
| Net loans and leases to deposits | 72.6991% | 5,642 |
| Net loans and leases to core deposits | 94.1382% | 5,100 |
| Total domestic deposits to total assets | 88.4831% | 1,536 |
| Equity capital to assets | 9.6777% | 4,386 |
| Core capital (leverage) ratio | 9.1696% | 4,349 |
| Tier 1 risk-based capital ratio | 15.2165% | 2,930 |
| Total risk-based capital ratio | 16.2237% | 2,972 |
| Memoranda: | ||
| Average total assets | $22,134,670 | 7,878 |
| Average earning assets | $20,539,670 | 7,845 |
| Average equity | $2,169,000 | 7,968 |
| Average total loans | $13,963,000 | 7,645 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6406% | 4,103 |
| Cost of funding earning assets | 1.6764% | 5,712 |
| Net interest margin | 3.9642% | 2,800 |
| Noninterest income to average assets | 1.2242% | 957 |
| Noninterest expense to average assets | 3.1609% | 3,146 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.7175% | 625 |
| Return on assets (ROA) | 1.7175% | 689 |
| Pretax return on assets | 1.7358% | 1,108 |
| Return on Equity (ROE) | 17.4155% | 645 |
| Retained earnings to average equity (ytd only) | -17.4155% | 7,561 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5522% | 5,589 |
| Assets per employee ($millions) | 3.2330% | 5,507 |
| Cash dividends to net income (ytd only)* | 200.0000% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0807% | 5,606 |
| Loan loss allowance to noncurrent loans | 105.2239% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 1.2417% | 4,202 |
| Noncurrent loans to loans | 1.0271% | 4,938 |
| Net loans and leases to total assets | 57.0280% | 6,096 |
| Net loans and leases to deposits | 64.1930% | 6,545 |
| Net loans and leases to core deposits | 81.6991% | 6,256 |
| Total domestic deposits to total assets | 88.8383% | 1,312 |
| Equity capital to assets | 9.3854% | 4,827 |
| Core capital (leverage) ratio | 9.2726% | 4,281 |
| Tier 1 risk-based capital ratio | 15.8098% | 2,753 |
| Total risk-based capital ratio | 16.8966% | 2,738 |
| Memoranda: | ||
| Average total assets | $21,892,500 | 7,929 |
| Average earning assets | $20,281,500 | 7,898 |
| Average equity | $2,159,000 | 8,022 |
| Average total loans | $13,599,000 | 7,717 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9758% | 5,664 |
| Cost of funding earning assets | 2.2796% | 5,246 |
| Net interest margin | 3.6962% | 4,488 |
| Noninterest income to average assets | 2.5381% | 247 |
| Noninterest expense to average assets | 3.9273% | 1,520 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 2.1002% | 291 |
| Return on assets (ROA) | 2.1002% | 274 |
| Pretax return on assets | 2.1002% | 484 |
| Return on Equity (ROE) | 20.9863% | 303 |
| Retained earnings to average equity (ytd only) | 4.4702% | 2,346 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1563% | 5,290 |
| Assets per employee ($millions) | 3.0220% | 6,010 |
| Cash dividends to net income (ytd only)* | 78.6996% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9964% | 6,094 |
| Loan loss allowance to noncurrent loans | 107.6336% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 1.3142% | 3,597 |
| Noncurrent loans to loans | 0.9257% | 4,771 |
| Net loans and leases to total assets | 66.2286% | 4,800 |
| Net loans and leases to deposits | 75.5704% | 5,641 |
| Net loans and leases to core deposits | 95.4815% | 5,300 |
| Total domestic deposits to total assets | 87.6383% | 1,647 |
| Equity capital to assets | 10.3716% | 3,642 |
| Core capital (leverage) ratio | 10.1954% | 3,276 |
| Tier 1 risk-based capital ratio | 16.1482% | 2,606 |
| Total risk-based capital ratio | 17.2102% | 2,625 |
| Memoranda: | ||
| Average total assets | $21,236,000 | 7,978 |
| Average earning assets | $20,047,400 | 7,938 |
| Average equity | $2,125,200 | 8,096 |
| Average total loans | $13,411,600 | 7,742 |