Home > Citizens Savings Bank > Performance and Condition Ratios
Citizens Savings Bank, Performance and Condition Ratios
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0008% | 4,527 |
| Cost of funding earning assets | 0.8423% | 3,422 |
| Net interest margin | 2.1585% | 4,375 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 1.6998% | 4,128 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5347% | 3,694 |
| Return on assets (ROA) | 0.6321% | 3,458 |
| Pretax return on assets | 0.6663% | 3,611 |
| Return on Equity (ROE) | 10.6200% | 2,476 |
| Retained earnings to average equity (ytd only) | 7.0344% | 2,274 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 75.0943% | 1,260 |
| Assets per employee ($millions) | 7.7920% | 1,449 |
| Cash dividends to net income (ytd only)* | 33.7838% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8460% | 141 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 15.9900% | 4,454 |
| Net loans and leases to deposits | 16.9905% | 4,463 |
| Net loans and leases to core deposits | 17.1413% | 4,453 |
| Total domestic deposits to total assets | 94.1200% | 180 |
| Equity capital to assets | 5.6436% | 4,095 |
| Core capital (leverage) ratio | 15.9379% | 500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $31,218,500 | 4,479 |
| Average earning assets | $30,391,250 | 4,442 |
| Average equity | $1,857,500 | 4,518 |
| Average total loans | $5,184,000 | 4,484 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8677% | 4,576 |
| Cost of funding earning assets | 0.7660% | 3,310 |
| Net interest margin | 2.1017% | 4,458 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 1.6904% | 4,161 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5056% | 3,798 |
| Return on assets (ROA) | 0.6531% | 3,453 |
| Pretax return on assets | 0.6787% | 3,648 |
| Return on Equity (ROE) | 10.7900% | 2,480 |
| Retained earnings to average equity (ytd only) | 5.5017% | 2,783 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.3006% | 1,149 |
| Assets per employee ($millions) | 8.0628% | 1,289 |
| Cash dividends to net income (ytd only)* | 49.0196% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9218% | 137 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 15.0400% | 4,486 |
| Net loans and leases to deposits | 16.0666% | 4,493 |
| Net loans and leases to core deposits | 16.2024% | 4,484 |
| Total domestic deposits to total assets | 93.6200% | 179 |
| Equity capital to assets | 6.1890% | 4,101 |
| Core capital (leverage) ratio | 14.8523% | 610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $31,235,333 | 4,504 |
| Average earning assets | $30,547,333 | 4,468 |
| Average equity | $1,890,333 | 4,548 |
| Average total loans | $5,202,000 | 4,516 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7313% | 4,614 |
| Cost of funding earning assets | 0.6129% | 3,340 |
| Net interest margin | 2.1184% | 4,527 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 1.8876% | 3,878 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3385% | 4,192 |
| Return on assets (ROA) | 0.3385% | 4,148 |
| Pretax return on assets | 0.3645% | 4,184 |
| Return on Equity (ROE) | 5.6600% | 3,780 |
| Retained earnings to average equity (ytd only) | -5.2245% | 4,336 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 83.8150% | 602 |
| Assets per employee ($millions) | 7.3040% | 1,749 |
| Cash dividends to net income (ytd only)* | 192.3077% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9072% | 144 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 16.6900% | 4,545 |
| Net loans and leases to deposits | 18.6399% | 4,549 |
| Net loans and leases to core deposits | 18.8219% | 4,542 |
| Total domestic deposits to total assets | 89.5400% | 1,327 |
| Equity capital to assets | 6.9209% | 3,868 |
| Core capital (leverage) ratio | 13.2029% | 912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $30,727,500 | 4,569 |
| Average earning assets | $30,022,500 | 4,535 |
| Average equity | $1,837,500 | 4,618 |
| Average total loans | $5,304,500 | 4,584 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3905% | 4,536 |
| Cost of funding earning assets | 0.3621% | 2,388 |
| Net interest margin | 2.0284% | 4,551 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 1.5531% | 4,364 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5542% | 3,981 |
| Return on assets (ROA) | 0.5542% | 3,948 |
| Pretax return on assets | 0.5887% | 4,045 |
| Return on Equity (ROE) | 7.1900% | 3,587 |
| Retained earnings to average equity (ytd only) | 7.1893% | 2,152 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 72.5146% | 1,387 |
| Assets per employee ($millions) | 8.0598% | 1,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6132% | 187 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 16.8800% | 4,567 |
| Net loans and leases to deposits | 19.0485% | 4,574 |
| Net loans and leases to core deposits | 19.2180% | 4,565 |
| Total domestic deposits to total assets | 88.6000% | 1,845 |
| Equity capital to assets | 5.1273% | 4,334 |
| Core capital (leverage) ratio | 12.8612% | 979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $31,936,600 | 4,596 |
| Average earning assets | $31,206,400 | 4,560 |
| Average equity | $2,462,000 | 4,648 |
| Average total loans | $6,026,200 | 4,610 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2870% | 4,541 |
| Cost of funding earning assets | 0.3041% | 2,118 |
| Net interest margin | 1.9829% | 4,555 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 1.5693% | 4,339 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4938% | 4,092 |
| Return on assets (ROA) | 0.4938% | 4,040 |
| Pretax return on assets | 0.5273% | 4,106 |
| Return on Equity (ROE) | 5.9100% | 3,815 |
| Retained earnings to average equity (ytd only) | 5.9052% | 2,780 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.8503% | 1,191 |
| Assets per employee ($millions) | 7.9873% | 1,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3556% | 265 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 18.9400% | 4,599 |
| Net loans and leases to deposits | 21.3844% | 4,603 |
| Net loans and leases to core deposits | 21.8586% | 4,595 |
| Total domestic deposits to total assets | 88.5800% | 2,251 |
| Equity capital to assets | 5.0768% | 4,272 |
| Core capital (leverage) ratio | 12.4184% | 1,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $31,861,000 | 4,631 |
| Average earning assets | $31,132,250 | 4,596 |
| Average equity | $2,664,250 | 4,673 |
| Average total loans | $6,136,000 | 4,646 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0937% | 4,600 |
| Cost of funding earning assets | 0.2890% | 1,811 |
| Net interest margin | 1.8047% | 4,625 |
| Noninterest income to average assets | 0.1571% | 4,233 |
| Noninterest expense to average assets | 1.6336% | 4,252 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2639% | 4,346 |
| Return on assets (ROA) | 0.2639% | 4,301 |
| Pretax return on assets | 0.2890% | 4,312 |
| Return on Equity (ROE) | 2.7892% | 4,245 |
| Retained earnings to average equity (ytd only) | 2.7892% | 3,512 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9673% | 627 |
| Assets per employee ($millions) | 8.5843% | 1,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3872% | 295 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 17.3865% | 4,672 |
| Net loans and leases to deposits | 19.8609% | 4,676 |
| Net loans and leases to core deposits | 20.2751% | 4,673 |
| Total domestic deposits to total assets | 87.5411% | 2,752 |
| Equity capital to assets | 6.5760% | 3,987 |
| Core capital (leverage) ratio | 12.2670% | 1,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $31,831,667 | 4,667 |
| Average earning assets | $31,141,333 | 4,646 |
| Average equity | $3,011,667 | 4,686 |
| Average total loans | $6,115,333 | 4,712 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0594% | 4,600 |
| Cost of funding earning assets | 0.3076% | 1,581 |
| Net interest margin | 1.7518% | 4,632 |
| Noninterest income to average assets | 0.1962% | 3,983 |
| Noninterest expense to average assets | 1.6744% | 4,174 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1962% | 4,343 |
| Return on assets (ROA) | 0.1962% | 4,307 |
| Pretax return on assets | 0.2355% | 4,285 |
| Return on Equity (ROE) | 1.7707% | 4,295 |
| Retained earnings to average equity (ytd only) | 1.7707% | 3,610 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6712% | 652 |
| Assets per employee ($millions) | 6.0942% | 2,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4813% | 291 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 18.8310% | 4,685 |
| Net loans and leases to deposits | 22.4290% | 4,676 |
| Net loans and leases to core deposits | 22.9787% | 4,676 |
| Total domestic deposits to total assets | 83.9585% | 3,777 |
| Equity capital to assets | 9.4122% | 2,352 |
| Core capital (leverage) ratio | 14.4268% | 519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $30,579,000 | 4,699 |
| Average earning assets | $29,911,500 | 4,680 |
| Average equity | $3,388,500 | 4,697 |
| Average total loans | $6,115,000 | 4,738 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3141% | 4,581 |
| Cost of funding earning assets | 0.3761% | 1,709 |
| Net interest margin | 1.9380% | 4,629 |
| Noninterest income to average assets | 0.3374% | 3,395 |
| Noninterest expense to average assets | 1.7434% | 4,235 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4664% | 4,150 |
| Return on assets (ROA) | 0.4664% | 4,198 |
| Pretax return on assets | 0.4863% | 4,276 |
| Return on Equity (ROE) | 3.5042% | 4,293 |
| Retained earnings to average equity (ytd only) | 2.2615% | 3,905 |
| Net charge-offs to loans | 0.0137% | 2,050 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 147.0000% | 670 |
| Efficiency ratio | 78.1899% | 932 |
| Assets per employee ($millions) | 6.1374% | 2,622 |
| Cash dividends to net income (ytd only)* | 35.4610% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3007% | 381 |
| 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 | 20.2040% | 4,712 |
| Net loans and leases to deposits | 25.0394% | 4,700 |
| Net loans and leases to core deposits | 25.6739% | 4,700 |
| Total domestic deposits to total assets | 80.6889% | 4,144 |
| Equity capital to assets | 12.7383% | 980 |
| Core capital (leverage) ratio | 14.8156% | 489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $30,229,000 | 4,743 |
| Average earning assets | $29,514,600 | 4,719 |
| Average equity | $4,023,800 | 4,702 |
| Average total loans | $7,283,400 | 4,767 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3587% | 4,649 |
| Cost of funding earning assets | 0.3946% | 1,733 |
| Net interest margin | 1.9641% | 4,692 |
| Noninterest income to average assets | 0.1860% | 4,268 |
| Noninterest expense to average assets | 1.7665% | 4,228 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3188% | 4,493 |
| Return on assets (ROA) | 0.3188% | 4,519 |
| Pretax return on assets | 0.3365% | 4,560 |
| Return on Equity (ROE) | 2.3688% | 4,540 |
| Retained earnings to average equity (ytd only) | 0.7238% | 4,465 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0000% | 515 |
| Assets per employee ($millions) | 5.8334% | 2,849 |
| Cash dividends to net income (ytd only)* | 69.4444% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1551% | 492 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 22.8820% | 4,761 |
| Net loans and leases to deposits | 28.8968% | 4,724 |
| Net loans and leases to core deposits | 29.7018% | 4,732 |
| Total domestic deposits to total assets | 79.1854% | 4,329 |
| Equity capital to assets | 13.8376% | 771 |
| Core capital (leverage) ratio | 13.7985% | 680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $30,114,500 | 4,814 |
| Average earning assets | $29,394,250 | 4,789 |
| Average equity | $4,052,500 | 4,771 |
| Average total loans | $7,517,750 | 4,834 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3388% | 4,705 |
| Cost of funding earning assets | 0.4044% | 1,850 |
| Net interest margin | 1.9344% | 4,739 |
| Noninterest income to average assets | 0.1512% | 4,445 |
| Noninterest expense to average assets | 1.7548% | 4,268 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.2629% | 4,569 |
| Return on assets (ROA) | 0.2629% | 4,585 |
| Pretax return on assets | 0.2826% | 4,604 |
| Return on Equity (ROE) | 1.9714% | 4,600 |
| Retained earnings to average equity (ytd only) | -0.4929% | 4,565 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1290% | 469 |
| Assets per employee ($millions) | 6.1086% | 2,516 |
| Cash dividends to net income (ytd only)* | 125.0000% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1855% | 439 |
| Loan loss allowance to noncurrent loans | 312.7660% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.1539% | 3,232 |
| Noncurrent loans to loans | 0.6988% | 1,683 |
| Net loans and leases to total assets | 21.5401% | 4,810 |
| Net loans and leases to deposits | 26.8016% | 4,795 |
| Net loans and leases to core deposits | 27.2174% | 4,811 |
| Total domestic deposits to total assets | 80.3687% | 4,175 |
| Equity capital to assets | 12.9915% | 946 |
| Core capital (leverage) ratio | 14.0335% | 622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $30,430,333 | 4,844 |
| Average earning assets | $29,673,000 | 4,818 |
| Average equity | $4,058,000 | 4,800 |
| Average total loans | $7,750,000 | 4,867 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3669% | 4,730 |
| Cost of funding earning assets | 0.4328% | 1,844 |
| Net interest margin | 1.9341% | 4,760 |
| Noninterest income to average assets | 0.1712% | 4,341 |
| Noninterest expense to average assets | 1.6725% | 4,431 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3556% | 4,436 |
| Return on assets (ROA) | 0.3556% | 4,465 |
| Pretax return on assets | 0.3819% | 4,509 |
| Return on Equity (ROE) | 2.6322% | 4,536 |
| Retained earnings to average equity (ytd only) | -2.2423% | 4,555 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4103% | 733 |
| Assets per employee ($millions) | 6.0622% | 2,537 |
| Cash dividends to net income (ytd only)* | 185.1852% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8698% | 771 |
| Loan loss allowance to noncurrent loans | 319.5652% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.1518% | 3,409 |
| Noncurrent loans to loans | 0.5851% | 2,109 |
| Net loans and leases to total assets | 25.4528% | 4,794 |
| Net loans and leases to deposits | 31.7059% | 4,769 |
| Net loans and leases to core deposits | 32.0670% | 4,786 |
| Total domestic deposits to total assets | 80.2778% | 4,165 |
| Equity capital to assets | 13.0151% | 910 |
| Core capital (leverage) ratio | 13.8998% | 670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $30,374,000 | 4,870 |
| Average earning assets | $29,574,500 | 4,843 |
| Average equity | $4,103,000 | 4,822 |
| Average total loans | $8,262,000 | 4,884 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8782% | 4,713 |
| Cost of funding earning assets | 0.5950% | 2,352 |
| Net interest margin | 2.2832% | 4,731 |
| Noninterest income to average assets | 0.1986% | 4,286 |
| Noninterest expense to average assets | 1.6766% | 4,645 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.7237% | 3,357 |
| Return on assets (ROA) | 0.7205% | 3,495 |
| Pretax return on assets | 0.7407% | 3,787 |
| Return on Equity (ROE) | 5.0021% | 3,904 |
| Retained earnings to average equity (ytd only) | 0.3272% | 4,416 |
| Net charge-offs to loans | -0.0823% | 4,774 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2629% | 2,053 |
| Assets per employee ($millions) | 6.0874% | 2,265 |
| Cash dividends to net income (ytd only)* | 93.4579% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6971% | 1,043 |
| Loan loss allowance to noncurrent loans | 341.8605% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.1413% | 3,589 |
| Noncurrent loans to loans | 0.4964% | 2,485 |
| Net loans and leases to total assets | 27.9758% | 4,793 |
| Net loans and leases to deposits | 35.2661% | 4,759 |
| Net loans and leases to core deposits | 35.6709% | 4,782 |
| Total domestic deposits to total assets | 79.3278% | 4,160 |
| Equity capital to assets | 13.9994% | 799 |
| Core capital (leverage) ratio | 14.5237% | 588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $29,702,400 | 4,876 |
| Average earning assets | $28,906,600 | 4,851 |
| Average equity | $4,278,200 | 4,823 |
| Average total loans | $9,720,600 | 4,895 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9660% | 4,756 |
| Cost of funding earning assets | 0.6313% | 2,425 |
| Net interest margin | 2.3348% | 4,765 |
| Noninterest income to average assets | 0.2123% | 4,205 |
| Noninterest expense to average assets | 1.7209% | 4,602 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7452% | 3,301 |
| Return on assets (ROA) | 0.7408% | 3,417 |
| Pretax return on assets | 0.7588% | 3,755 |
| Return on Equity (ROE) | 5.1059% | 3,864 |
| Retained earnings to average equity (ytd only) | -1.1208% | 4,627 |
| Net charge-offs to loans | -0.1068% | 4,832 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2727% | 1,993 |
| Assets per employee ($millions) | 6.0278% | 2,240 |
| Cash dividends to net income (ytd only)* | 121.9512% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5710% | 1,181 |
| Loan loss allowance to noncurrent loans | 350.0000% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.1394% | 3,721 |
| Noncurrent loans to loans | 0.4489% | 2,705 |
| Net loans and leases to total assets | 30.5584% | 4,807 |
| Net loans and leases to deposits | 38.6423% | 4,783 |
| Net loans and leases to core deposits | 39.1116% | 4,802 |
| Total domestic deposits to total assets | 79.0803% | 4,047 |
| Equity capital to assets | 14.0881% | 831 |
| Core capital (leverage) ratio | 14.5755% | 613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $29,518,750 | 4,906 |
| Average earning assets | $28,724,500 | 4,882 |
| Average equity | $4,282,500 | 4,846 |
| Average total loans | $9,985,250 | 4,924 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0504% | 4,816 |
| Cost of funding earning assets | 0.6802% | 2,497 |
| Net interest margin | 2.3702% | 4,809 |
| Noninterest income to average assets | 0.2252% | 4,139 |
| Noninterest expense to average assets | 1.6853% | 4,697 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8323% | 2,930 |
| Return on assets (ROA) | 0.8256% | 3,070 |
| Pretax return on assets | 0.8392% | 3,477 |
| Return on Equity (ROE) | 5.6349% | 3,619 |
| Retained earnings to average equity (ytd only) | 0.9780% | 4,106 |
| Net charge-offs to loans | -0.1569% | 4,910 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5768% | 2,435 |
| Assets per employee ($millions) | 5.9266% | 2,251 |
| Cash dividends to net income (ytd only)* | 82.6446% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5673% | 1,082 |
| Loan loss allowance to noncurrent loans | 350.0000% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.1417% | 3,807 |
| Noncurrent loans to loans | 0.4478% | 2,814 |
| Net loans and leases to total assets | 31.1545% | 4,835 |
| Net loans and leases to deposits | 39.6956% | 4,797 |
| Net loans and leases to core deposits | 40.1898% | 4,824 |
| Total domestic deposits to total assets | 78.4834% | 4,120 |
| Equity capital to assets | 14.5682% | 717 |
| Core capital (leverage) ratio | 15.1441% | 550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $29,312,000 | 4,937 |
| Average earning assets | $28,521,000 | 4,913 |
| Average equity | $4,294,667 | 4,870 |
| Average total loans | $10,194,667 | 4,958 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1754% | 4,879 |
| Cost of funding earning assets | 0.7056% | 2,909 |
| Net interest margin | 2.4697% | 4,840 |
| Noninterest income to average assets | 0.2744% | 3,889 |
| Noninterest expense to average assets | 1.6603% | 4,812 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0291% | 2,079 |
| Return on assets (ROA) | 1.0291% | 2,178 |
| Pretax return on assets | 1.0154% | 2,798 |
| Return on Equity (ROE) | 7.0036% | 2,947 |
| Retained earnings to average equity (ytd only) | 2.3345% | 3,324 |
| Net charge-offs to loans | -0.3018% | 4,979 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0513% | 3,493 |
| Assets per employee ($millions) | 5.8176% | 1,822 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4047% | 1,677 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 35.4717% | 4,797 |
| Net loans and leases to deposits | 45.3938% | 4,735 |
| Net loans and leases to core deposits | 45.9681% | 4,774 |
| Total domestic deposits to total assets | 78.1422% | 4,193 |
| Equity capital to assets | 14.7896% | 810 |
| Core capital (leverage) ratio | 14.9408% | 698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $29,151,500 | 4,979 |
| Average earning assets | $28,343,000 | 4,955 |
| Average equity | $4,283,500 | 4,913 |
| Average total loans | $10,602,500 | 4,988 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3177% | 4,956 |
| Cost of funding earning assets | 0.7840% | 2,750 |
| Net interest margin | 2.5337% | 4,955 |
| Noninterest income to average assets | 0.2740% | 4,039 |
| Noninterest expense to average assets | 1.7653% | 4,809 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.9191% | 3,126 |
| Return on assets (ROA) | 0.9191% | 3,203 |
| Pretax return on assets | 0.9746% | 3,527 |
| Return on Equity (ROE) | 6.3261% | 3,808 |
| Retained earnings to average equity (ytd only) | 1.5517% | 4,183 |
| Net charge-offs to loans | 0.0476% | 2,437 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 56.2000% | 1,031 |
| Efficiency ratio | 64.4304% | 3,012 |
| Assets per employee ($millions) | 5.8430% | 1,760 |
| Cash dividends to net income (ytd only)* | 75.4717% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2942% | 1,954 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 36.2862% | 4,831 |
| Net loans and leases to deposits | 46.3007% | 4,779 |
| Net loans and leases to core deposits | 46.8822% | 4,814 |
| Total domestic deposits to total assets | 78.3707% | 4,301 |
| Equity capital to assets | 14.5987% | 903 |
| Core capital (leverage) ratio | 14.8630% | 718 |
| Tier 1 risk-based capital ratio | 24.7986% | 767 |
| Total risk-based capital ratio | 25.6100% | 782 |
| Memoranda: | ||
| Average total assets | $28,833,600 | 5,039 |
| Average earning assets | $28,062,000 | 5,008 |
| Average equity | $4,189,000 | 4,968 |
| Average total loans | $10,505,200 | 5,052 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3454% | 5,047 |
| Cost of funding earning assets | 0.7911% | 2,758 |
| Net interest margin | 2.5543% | 5,030 |
| Noninterest income to average assets | 0.2923% | 3,987 |
| Noninterest expense to average assets | 1.7351% | 4,886 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9882% | 3,023 |
| Return on assets (ROA) | 0.9882% | 3,099 |
| Pretax return on assets | 1.0439% | 3,464 |
| Return on Equity (ROE) | 6.8103% | 3,763 |
| Retained earnings to average equity (ytd only) | 0.4156% | 4,684 |
| Net charge-offs to loans | -0.0256% | 4,649 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4374% | 3,259 |
| Assets per employee ($millions) | 4.6348% | 2,999 |
| Cash dividends to net income (ytd only)* | 93.8977% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4324% | 1,453 |
| Loan loss allowance to noncurrent loans | 1,327.2727% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.0396% | 4,522 |
| Noncurrent loans to loans | 0.1079% | 4,162 |
| Net loans and leases to total assets | 36.1286% | 4,936 |
| Net loans and leases to deposits | 46.6716% | 4,857 |
| Net loans and leases to core deposits | 47.3223% | 4,886 |
| Total domestic deposits to total assets | 77.4102% | 4,456 |
| Equity capital to assets | 15.1606% | 804 |
| Core capital (leverage) ratio | 15.1670% | 702 |
| Tier 1 risk-based capital ratio | 25.0582% | 767 |
| Total risk-based capital ratio | 25.9299% | 777 |
| Memoranda: | ||
| Average total assets | $28,738,250 | 5,115 |
| Average earning assets | $27,978,250 | 5,085 |
| Average equity | $4,170,000 | 5,040 |
| Average total loans | $10,446,500 | 5,131 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3483% | 5,104 |
| Cost of funding earning assets | 0.7700% | 2,805 |
| Net interest margin | 2.5783% | 5,086 |
| Noninterest income to average assets | 0.2961% | 3,958 |
| Noninterest expense to average assets | 1.7970% | 4,880 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9502% | 3,091 |
| Return on assets (ROA) | 0.9502% | 3,159 |
| Pretax return on assets | 1.0121% | 3,502 |
| Return on Equity (ROE) | 6.6431% | 3,820 |
| Retained earnings to average equity (ytd only) | -0.5777% | 4,775 |
| Net charge-offs to loans | -0.0190% | 4,528 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9706% | 3,137 |
| Assets per employee ($millions) | 4.6583% | 2,926 |
| Cash dividends to net income (ytd only)* | 108.6957% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4424% | 1,452 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 35.6923% | 4,987 |
| Net loans and leases to deposits | 45.9596% | 4,906 |
| Net loans and leases to core deposits | 46.5950% | 4,939 |
| Total domestic deposits to total assets | 77.6601% | 4,458 |
| Equity capital to assets | 14.9732% | 819 |
| Core capital (leverage) ratio | 14.7812% | 755 |
| Tier 1 risk-based capital ratio | 25.0766% | 750 |
| Total risk-based capital ratio | 25.9482% | 763 |
| Memoranda: | ||
| Average total assets | $29,048,000 | 5,156 |
| Average earning assets | $28,313,000 | 5,125 |
| Average equity | $4,154,670 | 5,082 |
| Average total loans | $10,531,000 | 5,174 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3272% | 5,160 |
| Cost of funding earning assets | 0.7486% | 2,796 |
| Net interest margin | 2.5785% | 5,151 |
| Noninterest income to average assets | 0.3379% | 3,600 |
| Noninterest expense to average assets | 1.5137% | 5,165 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2704% | 1,812 |
| Return on assets (ROA) | 1.2704% | 1,860 |
| Pretax return on assets | 1.3380% | 2,295 |
| Return on Equity (ROE) | 9.0832% | 2,774 |
| Retained earnings to average equity (ytd only) | -0.5798% | 4,602 |
| Net charge-offs to loans | -0.0373% | 4,733 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0806% | 4,612 |
| Assets per employee ($millions) | 4.7685% | 2,827 |
| Cash dividends to net income (ytd only)* | 106.3830% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3969% | 1,688 |
| Loan loss allowance to noncurrent loans | 273.5849% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.1852% | 3,888 |
| Noncurrent loans to loans | 0.5106% | 2,785 |
| Net loans and leases to total assets | 35.7730% | 5,024 |
| Net loans and leases to deposits | 45.7124% | 4,937 |
| Net loans and leases to core deposits | 46.3185% | 4,983 |
| Total domestic deposits to total assets | 78.2566% | 4,475 |
| Equity capital to assets | 14.5573% | 868 |
| Core capital (leverage) ratio | 14.4014% | 844 |
| Tier 1 risk-based capital ratio | 24.2992% | 819 |
| Total risk-based capital ratio | 25.1425% | 831 |
| Memoranda: | ||
| Average total assets | $29,597,000 | 5,205 |
| Average earning assets | $28,853,500 | 5,174 |
| Average equity | $4,139,500 | 5,130 |
| Average total loans | $10,735,500 | 5,232 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2836% | 5,094 |
| Cost of funding earning assets | 0.5955% | 2,754 |
| Net interest margin | 2.6881% | 5,106 |
| Noninterest income to average assets | 0.2622% | 4,363 |
| Noninterest expense to average assets | 1.6943% | 5,096 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1306% | 2,469 |
| Return on assets (ROA) | 1.1306% | 2,470 |
| Pretax return on assets | 1.1863% | 2,927 |
| Return on Equity (ROE) | 8.6457% | 3,161 |
| Retained earnings to average equity (ytd only) | 6.1397% | 2,124 |
| Net charge-offs to loans | -0.0283% | 4,796 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8168% | 4,034 |
| Assets per employee ($millions) | 5.0972% | 2,384 |
| Cash dividends to net income (ytd only)* | 28.9855% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2984% | 2,046 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 35.7944% | 5,071 |
| Net loans and leases to deposits | 44.8372% | 5,011 |
| Net loans and leases to core deposits | 45.3818% | 5,053 |
| Total domestic deposits to total assets | 79.8319% | 4,145 |
| Equity capital to assets | 13.4519% | 1,164 |
| Core capital (leverage) ratio | 14.0480% | 910 |
| Tier 1 risk-based capital ratio | 22.8328% | 938 |
| Total risk-based capital ratio | 23.6179% | 955 |
| Memoranda: | ||
| Average total assets | $30,514,200 | 5,234 |
| Average earning assets | $29,723,600 | 5,200 |
| Average equity | $3,990,400 | 5,180 |
| Average total loans | $10,617,400 | 5,276 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2591% | 5,162 |
| Cost of funding earning assets | 0.5656% | 2,732 |
| Net interest margin | 2.6934% | 5,170 |
| Noninterest income to average assets | 0.2667% | 4,365 |
| Noninterest expense to average assets | 1.6963% | 5,139 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1367% | 2,503 |
| Return on assets (ROA) | 1.1367% | 2,518 |
| Pretax return on assets | 1.1935% | 3,008 |
| Return on Equity (ROE) | 8.7551% | 3,216 |
| Retained earnings to average equity (ytd only) | 5.3878% | 3,014 |
| Net charge-offs to loans | -0.0127% | 4,463 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6989% | 4,007 |
| Assets per employee ($millions) | 4.9552% | 2,527 |
| Cash dividends to net income (ytd only)* | 38.4613% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3521% | 1,873 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 34.8458% | 5,181 |
| Net loans and leases to deposits | 43.7722% | 5,117 |
| Net loans and leases to core deposits | 44.3436% | 5,159 |
| Total domestic deposits to total assets | 79.6071% | 4,196 |
| Equity capital to assets | 13.4540% | 1,152 |
| Core capital (leverage) ratio | 13.6065% | 1,057 |
| Tier 1 risk-based capital ratio | 22.7431% | 969 |
| Total risk-based capital ratio | 23.5301% | 993 |
| Memoranda: | ||
| Average total assets | $30,497,000 | 5,298 |
| Average earning assets | $29,701,250 | 5,267 |
| Average equity | $3,959,500 | 5,248 |
| Average total loans | $10,499,000 | 5,343 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2107% | 5,215 |
| Cost of funding earning assets | 0.5273% | 2,782 |
| Net interest margin | 2.6834% | 5,229 |
| Noninterest income to average assets | 0.2471% | 4,526 |
| Noninterest expense to average assets | 1.7234% | 5,170 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0796% | 2,663 |
| Return on assets (ROA) | 1.0796% | 2,670 |
| Pretax return on assets | 1.1381% | 3,171 |
| Return on Equity (ROE) | 8.4136% | 3,306 |
| Retained earnings to average equity (ytd only) | 5.8794% | 2,620 |
| Net charge-offs to loans | -0.0191% | 4,548 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2273% | 3,905 |
| Assets per employee ($millions) | 5.0837% | 2,310 |
| Cash dividends to net income (ytd only)* | 30.1205% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3499% | 1,945 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 34.0207% | 5,238 |
| Net loans and leases to deposits | 42.4070% | 5,178 |
| Net loans and leases to core deposits | 42.9423% | 5,218 |
| Total domestic deposits to total assets | 80.2242% | 4,188 |
| Equity capital to assets | 13.0483% | 1,271 |
| Core capital (leverage) ratio | 13.4397% | 1,083 |
| Tier 1 risk-based capital ratio | 21.3729% | 1,115 |
| Total risk-based capital ratio | 22.1204% | 1,170 |
| Memoranda: | ||
| Average total assets | $30,752,330 | 5,360 |
| Average earning assets | $29,962,000 | 5,330 |
| Average equity | $3,946,000 | 5,309 |
| Average total loans | $10,498,000 | 5,404 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1688% | 5,257 |
| Cost of funding earning assets | 0.4926% | 2,853 |
| Net interest margin | 2.6762% | 5,269 |
| Noninterest income to average assets | 0.2591% | 4,444 |
| Noninterest expense to average assets | 1.6063% | 5,323 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2048% | 1,983 |
| Return on assets (ROA) | 1.2048% | 1,994 |
| Pretax return on assets | 1.2566% | 2,526 |
| Return on Equity (ROE) | 9.4681% | 2,689 |
| Retained earnings to average equity (ytd only) | 6.9229% | 2,315 |
| Net charge-offs to loans | -0.0381% | 4,850 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1086% | 4,563 |
| Assets per employee ($millions) | 5.0702% | 2,402 |
| Cash dividends to net income (ytd only)* | 26.8817% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3592% | 1,989 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 33.8746% | 5,273 |
| Net loans and leases to deposits | 42.1852% | 5,212 |
| Net loans and leases to core deposits | 42.7133% | 5,248 |
| Total domestic deposits to total assets | 80.2998% | 4,365 |
| Equity capital to assets | 12.9680% | 1,262 |
| Core capital (leverage) ratio | 13.1136% | 1,134 |
| Tier 1 risk-based capital ratio | 21.8338% | 1,078 |
| Total risk-based capital ratio | 22.6070% | 1,122 |
| Memoranda: | ||
| Average total assets | $30,877,500 | 5,417 |
| Average earning assets | $30,042,500 | 5,386 |
| Average equity | $3,929,000 | 5,366 |
| Average total loans | $10,487,500 | 5,465 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0670% | 5,316 |
| Cost of funding earning assets | 0.5920% | 1,657 |
| Net interest margin | 2.4750% | 5,423 |
| Noninterest income to average assets | 0.2764% | 4,478 |
| Noninterest expense to average assets | 1.7722% | 5,262 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8650% | 2,890 |
| Return on assets (ROA) | 0.8650% | 2,912 |
| Pretax return on assets | 0.9105% | 3,885 |
| Return on Equity (ROE) | 6.9073% | 3,325 |
| Retained earnings to average equity (ytd only) | 4.3106% | 2,571 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0606% | 3,256 |
| Assets per employee ($millions) | 4.4763% | 3,221 |
| Cash dividends to net income (ytd only)* | 37.5940% | 2,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3393% | 2,025 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 33.1493% | 5,366 |
| Net loans and leases to deposits | 40.9259% | 5,321 |
| Net loans and leases to core deposits | 41.4188% | 5,349 |
| Total domestic deposits to total assets | 80.9983% | 4,121 |
| Equity capital to assets | 12.4880% | 1,525 |
| Core capital (leverage) ratio | 12.8424% | 1,201 |
| Tier 1 risk-based capital ratio | 20.4306% | 1,243 |
| Total risk-based capital ratio | 21.1621% | 1,305 |
| Memoranda: | ||
| Average total assets | $30,752,200 | 5,481 |
| Average earning assets | $29,898,800 | 5,443 |
| Average equity | $3,851,000 | 5,443 |
| Average total loans | $10,261,200 | 5,533 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0605% | 5,371 |
| Cost of funding earning assets | 0.5870% | 1,625 |
| Net interest margin | 2.4735% | 5,490 |
| Noninterest income to average assets | 0.2919% | 4,443 |
| Noninterest expense to average assets | 1.7425% | 5,330 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9061% | 3,001 |
| Return on assets (ROA) | 0.9061% | 3,059 |
| Pretax return on assets | 0.9540% | 3,849 |
| Return on Equity (ROE) | 7.2306% | 3,531 |
| Retained earnings to average equity (ytd only) | 4.6234% | 3,125 |
| Net charge-offs to loans | -0.0262% | 4,947 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6204% | 3,432 |
| Assets per employee ($millions) | 4.2780% | 3,511 |
| Cash dividends to net income (ytd only)* | 36.0581% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3988% | 1,894 |
| Loan loss allowance to noncurrent loans | 4,766.6667% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 5,217 |
| Noncurrent loans to loans | 0.0293% | 4,995 |
| Net loans and leases to total assets | 33.6606% | 5,422 |
| Net loans and leases to deposits | 42.0263% | 5,365 |
| Net loans and leases to core deposits | 42.5856% | 5,405 |
| Total domestic deposits to total assets | 80.0942% | 4,295 |
| Equity capital to assets | 13.0401% | 1,370 |
| Core capital (leverage) ratio | 12.6277% | 1,370 |
| Tier 1 risk-based capital ratio | 20.6167% | 1,261 |
| Total risk-based capital ratio | 21.3716% | 1,309 |
| Memoranda: | ||
| Average total assets | $30,606,750 | 5,539 |
| Average earning assets | $29,754,750 | 5,501 |
| Average equity | $3,835,500 | 5,503 |
| Average total loans | $10,194,500 | 5,593 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9752% | 5,456 |
| Cost of funding earning assets | 0.5737% | 1,620 |
| Net interest margin | 2.4015% | 5,569 |
| Noninterest income to average assets | 0.2725% | 4,595 |
| Noninterest expense to average assets | 1.6349% | 5,468 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9213% | 2,801 |
| Return on assets (ROA) | 0.9213% | 2,858 |
| Pretax return on assets | 0.9732% | 3,677 |
| Return on Equity (ROE) | 7.4495% | 3,310 |
| Retained earnings to average equity (ytd only) | 4.8264% | 2,827 |
| Net charge-offs to loans | -0.0393% | 5,067 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6866% | 3,867 |
| Assets per employee ($millions) | 5.1218% | 2,246 |
| Cash dividends to net income (ytd only)* | 35.2113% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4146% | 1,886 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1725% | 4,497 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 32.4298% | 5,492 |
| Net loans and leases to deposits | 40.1612% | 5,449 |
| Net loans and leases to core deposits | 40.6776% | 5,476 |
| Total domestic deposits to total assets | 80.7491% | 4,249 |
| Equity capital to assets | 12.5801% | 1,585 |
| Core capital (leverage) ratio | 12.6101% | 1,332 |
| Tier 1 risk-based capital ratio | 21.3124% | 1,143 |
| Total risk-based capital ratio | 22.1009% | 1,186 |
| Memoranda: | ||
| Average total assets | $30,827,000 | 5,581 |
| Average earning assets | $29,981,670 | 5,545 |
| Average equity | $3,812,330 | 5,549 |
| Average total loans | $10,185,000 | 5,640 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8770% | 5,555 |
| Cost of funding earning assets | 0.5594% | 1,651 |
| Net interest margin | 2.3176% | 5,653 |
| Noninterest income to average assets | 0.2591% | 4,677 |
| Noninterest expense to average assets | 1.4769% | 5,646 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9846% | 2,370 |
| Return on assets (ROA) | 0.9846% | 2,418 |
| Pretax return on assets | 1.0364% | 3,212 |
| Return on Equity (ROE) | 8.0306% | 2,910 |
| Retained earnings to average equity (ytd only) | 5.3890% | 2,674 |
| Net charge-offs to loans | -0.0391% | 5,063 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7629% | 4,621 |
| Assets per employee ($millions) | 5.1063% | 2,294 |
| Cash dividends to net income (ytd only)* | 32.8947% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4026% | 2,059 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1730% | 4,550 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 32.5805% | 5,524 |
| Net loans and leases to deposits | 40.3004% | 5,463 |
| Net loans and leases to core deposits | 40.8162% | 5,496 |
| Total domestic deposits to total assets | 80.8440% | 4,445 |
| Equity capital to assets | 12.4682% | 1,566 |
| Core capital (leverage) ratio | 12.4677% | 1,354 |
| Tier 1 risk-based capital ratio | 22.3662% | 1,046 |
| Total risk-based capital ratio | 23.1987% | 1,070 |
| Memoranda: | ||
| Average total assets | $30,875,000 | 5,650 |
| Average earning assets | $30,031,500 | 5,610 |
| Average equity | $3,785,500 | 5,607 |
| Average total loans | $10,223,000 | 5,706 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9164% | 5,568 |
| Cost of funding earning assets | 0.5914% | 1,395 |
| Net interest margin | 2.3250% | 5,695 |
| Noninterest income to average assets | 0.2927% | 4,648 |
| Noninterest expense to average assets | 1.7236% | 5,543 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7763% | 3,424 |
| Return on assets (ROA) | 0.7763% | 3,527 |
| Pretax return on assets | 0.8190% | 4,137 |
| Return on Equity (ROE) | 6.3860% | 3,795 |
| Retained earnings to average equity (ytd only) | 3.6801% | 3,292 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7878% | 3,280 |
| Assets per employee ($millions) | 5.1853% | 2,202 |
| Cash dividends to net income (ytd only)* | 42.3729% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3660% | 2,235 |
| Loan loss allowance to noncurrent loans | 454.8387% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.2828% | 4,142 |
| Noncurrent loans to loans | 0.3003% | 4,064 |
| Net loans and leases to total assets | 32.7237% | 5,580 |
| Net loans and leases to deposits | 40.2093% | 5,547 |
| Net loans and leases to core deposits | 40.7126% | 5,582 |
| Total domestic deposits to total assets | 81.3834% | 4,239 |
| Equity capital to assets | 12.0564% | 1,761 |
| Core capital (leverage) ratio | 12.4091% | 1,380 |
| Tier 1 risk-based capital ratio | 21.8674% | 1,102 |
| Total risk-based capital ratio | 22.6846% | 1,132 |
| Memoranda: | ||
| Average total assets | $30,402,200 | 5,705 |
| Average earning assets | $29,419,800 | 5,670 |
| Average equity | $3,695,600 | 5,679 |
| Average total loans | $10,008,400 | 5,769 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9296% | 5,630 |
| Cost of funding earning assets | 0.5978% | 1,347 |
| Net interest margin | 2.3318% | 5,762 |
| Noninterest income to average assets | 0.3000% | 4,621 |
| Noninterest expense to average assets | 1.7689% | 5,551 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7499% | 3,608 |
| Return on assets (ROA) | 0.7499% | 3,735 |
| Pretax return on assets | 0.7852% | 4,347 |
| Return on Equity (ROE) | 6.1563% | 3,994 |
| Retained earnings to average equity (ytd only) | 3.4402% | 3,836 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2573% | 3,009 |
| Assets per employee ($millions) | 4.9542% | 2,412 |
| Cash dividends to net income (ytd only)* | 44.1189% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3615% | 2,380 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1918% | 4,667 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 34.3650% | 5,608 |
| Net loans and leases to deposits | 42.6941% | 5,562 |
| Net loans and leases to core deposits | 43.2839% | 5,601 |
| Total domestic deposits to total assets | 80.4912% | 4,391 |
| Equity capital to assets | 12.5820% | 1,728 |
| Core capital (leverage) ratio | 12.6514% | 1,334 |
| Tier 1 risk-based capital ratio | 26.9627% | 645 |
| Total risk-based capital ratio | 27.9792% | 646 |
| Memoranda: | ||
| Average total assets | $30,224,750 | 5,774 |
| Average earning assets | $29,218,750 | 5,733 |
| Average equity | $3,681,750 | 5,741 |
| Average total loans | $9,930,000 | 5,833 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9158% | 5,721 |
| Cost of funding earning assets | 0.5927% | 1,375 |
| Net interest margin | 2.3231% | 5,851 |
| Noninterest income to average assets | 0.3093% | 4,566 |
| Noninterest expense to average assets | 1.7110% | 5,682 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8029% | 3,296 |
| Return on assets (ROA) | 0.8029% | 3,433 |
| Pretax return on assets | 0.8423% | 4,149 |
| Return on Equity (ROE) | 6.6624% | 3,716 |
| Retained earnings to average equity (ytd only) | 3.9319% | 3,398 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0103% | 3,536 |
| Assets per employee ($millions) | 4.9970% | 2,298 |
| Cash dividends to net income (ytd only)* | 40.9836% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3802% | 2,378 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2035% | 4,674 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 33.6035% | 5,693 |
| Net loans and leases to deposits | 41.6185% | 5,634 |
| Net loans and leases to core deposits | 42.1848% | 5,676 |
| Total domestic deposits to total assets | 80.7418% | 4,349 |
| Equity capital to assets | 12.4041% | 1,838 |
| Core capital (leverage) ratio | 12.4473% | 1,385 |
| Tier 1 risk-based capital ratio | 31.8571% | 422 |
| Total risk-based capital ratio | 33.0649% | 417 |
| Memoranda: | ||
| Average total assets | $30,391,330 | 5,843 |
| Average earning assets | $29,357,670 | 5,802 |
| Average equity | $3,662,330 | 5,812 |
| Average total loans | $9,788,000 | 5,908 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8015% | 5,856 |
| Cost of funding earning assets | 0.5819% | 1,466 |
| Net interest margin | 2.2195% | 5,956 |
| Noninterest income to average assets | 0.3268% | 4,394 |
| Noninterest expense to average assets | 1.5688% | 5,852 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8629% | 2,933 |
| Return on assets (ROA) | 0.8629% | 3,046 |
| Pretax return on assets | 0.9021% | 3,836 |
| Return on Equity (ROE) | 7.2647% | 3,307 |
| Retained earnings to average equity (ytd only) | 4.5129% | 3,230 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4921% | 4,221 |
| Assets per employee ($millions) | 5.0288% | 2,311 |
| Cash dividends to net income (ytd only)* | 37.8788% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3796% | 2,516 |
| Loan loss allowance to noncurrent loans | 486.2069% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.2983% | 4,379 |
| Noncurrent loans to loans | 0.2838% | 4,412 |
| Net loans and leases to total assets | 33.4040% | 5,737 |
| Net loans and leases to deposits | 41.1976% | 5,675 |
| Net loans and leases to core deposits | 41.7488% | 5,722 |
| Total domestic deposits to total assets | 81.0824% | 4,475 |
| Equity capital to assets | 12.1267% | 1,939 |
| Core capital (leverage) ratio | 12.0735% | 1,561 |
| Tier 1 risk-based capital ratio | 18.3390% | 1,899 |
| Total risk-based capital ratio | 19.0557% | 2,001 |
| Memoranda: | ||
| Average total assets | $30,596,000 | 5,898 |
| Average earning assets | $29,556,000 | 5,859 |
| Average equity | $3,634,000 | 5,865 |
| Average total loans | $9,574,000 | 5,971 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7608% | 5,906 |
| Cost of funding earning assets | 0.6088% | 1,318 |
| Net interest margin | 2.1519% | 6,004 |
| Noninterest income to average assets | 0.3770% | 4,207 |
| Noninterest expense to average assets | 1.7268% | 5,818 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6833% | 3,891 |
| Return on assets (ROA) | 0.6833% | 3,991 |
| Pretax return on assets | 0.7203% | 4,472 |
| Return on Equity (ROE) | 5.7338% | 4,168 |
| Retained earnings to average equity (ytd only) | 2.9093% | 3,987 |
| Net charge-offs to loans | 0.1032% | 2,378 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 23.7778% | 1,710 |
| Efficiency ratio | 70.5640% | 3,137 |
| Assets per employee ($millions) | 5.1698% | 2,157 |
| Cash dividends to net income (ytd only)* | 49.2611% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5793% | 1,683 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2128% | 4,753 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 28.3278% | 5,939 |
| Net loans and leases to deposits | 34.6450% | 5,916 |
| Net loans and leases to core deposits | 35.0919% | 5,945 |
| Total domestic deposits to total assets | 81.7660% | 4,234 |
| Equity capital to assets | 11.6348% | 2,243 |
| Core capital (leverage) ratio | 12.2597% | 1,475 |
| Tier 1 risk-based capital ratio | 23.2224% | 988 |
| Total risk-based capital ratio | 24.1297% | 1,017 |
| Memoranda: | ||
| Average total assets | $29,708,000 | 5,963 |
| Average earning assets | $28,579,000 | 5,927 |
| Average equity | $3,540,400 | 5,920 |
| Average total loans | $8,719,800 | 6,041 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7922% | 5,963 |
| Cost of funding earning assets | 0.6236% | 1,252 |
| Net interest margin | 2.1685% | 6,081 |
| Noninterest income to average assets | 0.3903% | 4,153 |
| Noninterest expense to average assets | 1.7472% | 5,855 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6943% | 3,922 |
| Return on assets (ROA) | 0.6943% | 4,032 |
| Pretax return on assets | 0.7261% | 4,588 |
| Return on Equity (ROE) | 5.7898% | 4,252 |
| Retained earnings to average equity (ytd only) | 2.9518% | 4,348 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6422% | 3,106 |
| Assets per employee ($millions) | 4.8263% | 2,522 |
| Cash dividends to net income (ytd only)* | 49.0220% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6765% | 1,530 |
| Loan loss allowance to noncurrent loans | 15,000.0000% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.2832% | 4,633 |
| Noncurrent loans to loans | 0.0112% | 5,595 |
| Net loans and leases to total assets | 30.3785% | 5,960 |
| Net loans and leases to deposits | 37.7554% | 5,935 |
| Net loans and leases to core deposits | 38.3078% | 5,963 |
| Total domestic deposits to total assets | 80.4614% | 4,618 |
| Equity capital to assets | 12.4353% | 1,780 |
| Core capital (leverage) ratio | 12.5639% | 1,376 |
| Tier 1 risk-based capital ratio | 20.0589% | 1,530 |
| Total risk-based capital ratio | 20.8919% | 1,604 |
| Memoranda: | ||
| Average total assets | $29,380,250 | 6,049 |
| Average earning assets | $28,221,000 | 6,013 |
| Average equity | $3,523,250 | 6,004 |
| Average total loans | $8,667,750 | 6,126 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7252% | 6,066 |
| Cost of funding earning assets | 0.6267% | 1,250 |
| Net interest margin | 2.0985% | 6,173 |
| Noninterest income to average assets | 0.3997% | 4,082 |
| Noninterest expense to average assets | 1.7276% | 5,944 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6639% | 4,060 |
| Return on assets (ROA) | 0.6639% | 4,163 |
| Pretax return on assets | 0.6910% | 4,680 |
| Return on Equity (ROE) | 5.6043% | 4,317 |
| Retained earnings to average equity (ytd only) | 2.7450% | 4,309 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4286% | 3,085 |
| Assets per employee ($millions) | 4.7637% | 2,594 |
| Cash dividends to net income (ytd only)* | 51.0204% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9033% | 1,154 |
| Loan loss allowance to noncurrent loans | 208.3333% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 0.2519% | 4,863 |
| Noncurrent loans to loans | 0.9136% | 2,842 |
| Net loans and leases to total assets | 27.0485% | 6,114 |
| Net loans and leases to deposits | 33.6028% | 6,090 |
| Net loans and leases to core deposits | 34.1008% | 6,106 |
| Total domestic deposits to total assets | 80.4947% | 4,750 |
| Equity capital to assets | 12.3399% | 1,778 |
| Core capital (leverage) ratio | 12.3574% | 1,456 |
| Tier 1 risk-based capital ratio | 20.4180% | 1,464 |
| Total risk-based capital ratio | 21.2724% | 1,512 |
| Memoranda: | ||
| Average total assets | $29,521,000 | 6,115 |
| Average earning assets | $28,401,330 | 6,077 |
| Average equity | $3,497,330 | 6,066 |
| Average total loans | $8,574,670 | 6,197 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6464% | 6,154 |
| Cost of funding earning assets | 0.6065% | 1,389 |
| Net interest margin | 2.0399% | 6,259 |
| Noninterest income to average assets | 0.3735% | 4,218 |
| Noninterest expense to average assets | 1.6138% | 6,100 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6936% | 3,833 |
| Return on assets (ROA) | 0.6936% | 3,959 |
| Pretax return on assets | 0.7336% | 4,485 |
| Return on Equity (ROE) | 5.9727% | 4,050 |
| Retained earnings to average equity (ytd only) | 3.1012% | 4,124 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7500% | 3,704 |
| Assets per employee ($millions) | 4.8708% | 2,529 |
| Cash dividends to net income (ytd only)* | 48.0769% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7020% | 1,733 |
| Loan loss allowance to noncurrent loans | 208.3333% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.2464% | 4,956 |
| Noncurrent loans to loans | 0.8170% | 3,207 |
| Net loans and leases to total assets | 29.6424% | 6,088 |
| Net loans and leases to deposits | 36.6269% | 6,036 |
| Net loans and leases to core deposits | 37.1516% | 6,073 |
| Total domestic deposits to total assets | 80.9307% | 4,842 |
| Equity capital to assets | 12.0719% | 1,975 |
| Core capital (leverage) ratio | 11.9189% | 1,689 |
| Tier 1 risk-based capital ratio | 22.1525% | 1,214 |
| Total risk-based capital ratio | 23.0943% | 1,244 |
| Memoranda: | ||
| Average total assets | $29,990,500 | 6,173 |
| Average earning assets | $29,020,500 | 6,125 |
| Average equity | $3,482,500 | 6,128 |
| Average total loans | $8,921,500 | 6,256 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7809% | 6,216 |
| Cost of funding earning assets | 0.6599% | 1,341 |
| Net interest margin | 2.1210% | 6,336 |
| Noninterest income to average assets | 0.4305% | 3,966 |
| Noninterest expense to average assets | 1.8609% | 5,989 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5729% | 4,496 |
| Return on assets (ROA) | 0.5729% | 4,578 |
| Pretax return on assets | 0.6006% | 4,939 |
| Return on Equity (ROE) | 4.8796% | 4,721 |
| Retained earnings to average equity (ytd only) | 1.9223% | 4,841 |
| Net charge-offs to loans | 0.2103% | 1,983 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 9.6111% | 2,723 |
| Efficiency ratio | 75.5994% | 2,574 |
| Assets per employee ($millions) | 5.1260% | 2,159 |
| Cash dividends to net income (ytd only)* | 60.6061% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6611% | 1,887 |
| Loan loss allowance to noncurrent loans | 137.6147% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 0.3544% | 4,637 |
| Noncurrent loans to loans | 1.2071% | 2,435 |
| Net loans and leases to total assets | 28.8724% | 6,212 |
| Net loans and leases to deposits | 35.1238% | 6,193 |
| Net loans and leases to core deposits | 35.5940% | 6,208 |
| Total domestic deposits to total assets | 82.2018% | 4,350 |
| Equity capital to assets | 11.1751% | 2,726 |
| Core capital (leverage) ratio | 12.3243% | 1,439 |
| Tier 1 risk-based capital ratio | 22.9615% | 1,091 |
| Total risk-based capital ratio | 23.9361% | 1,105 |
| Memoranda: | ||
| Average total assets | $28,803,200 | 6,269 |
| Average earning assets | $27,581,000 | 6,227 |
| Average equity | $3,381,400 | 6,203 |
| Average total loans | $8,559,400 | 6,351 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8469% | 6,250 |
| Cost of funding earning assets | 0.6759% | 1,287 |
| Net interest margin | 2.1709% | 6,400 |
| Noninterest income to average assets | 0.4285% | 4,032 |
| Noninterest expense to average assets | 1.8977% | 5,954 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5745% | 4,571 |
| Return on assets (ROA) | 0.5745% | 4,646 |
| Pretax return on assets | 0.6027% | 5,018 |
| Return on Equity (ROE) | 4.8303% | 4,801 |
| Retained earnings to average equity (ytd only) | 1.8610% | 5,123 |
| Net charge-offs to loans | 0.0158% | 4,231 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 128.3158% | 465 |
| Efficiency ratio | 75.8945% | 2,508 |
| Assets per employee ($millions) | 4.6500% | 2,733 |
| Cash dividends to net income (ytd only)* | 61.4779% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9014% | 1,451 |
| Loan loss allowance to noncurrent loans | 60.7273% | 4,753 |
| Noncurrent assets plus other real estate owned to assets | 0.9857% | 2,983 |
| Noncurrent loans to loans | 3.1310% | 821 |
| Net loans and leases to total assets | 30.8817% | 6,227 |
| Net loans and leases to deposits | 38.3615% | 6,173 |
| Net loans and leases to core deposits | 38.9617% | 6,206 |
| Total domestic deposits to total assets | 80.5018% | 4,964 |
| Equity capital to assets | 12.1577% | 1,939 |
| Core capital (leverage) ratio | 12.5027% | 1,404 |
| Tier 1 risk-based capital ratio | 23.7507% | 1,022 |
| Total risk-based capital ratio | 24.8784% | 1,017 |
| Memoranda: | ||
| Average total assets | $28,315,000 | 6,357 |
| Average earning assets | $27,023,000 | 6,315 |
| Average equity | $3,367,500 | 6,275 |
| Average total loans | $8,441,750 | 6,430 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8273% | 6,324 |
| Cost of funding earning assets | 0.6700% | 1,374 |
| Net interest margin | 2.1573% | 6,472 |
| Noninterest income to average assets | 0.4147% | 4,136 |
| Noninterest expense to average assets | 1.8276% | 6,106 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6186% | 4,256 |
| Return on assets (ROA) | 0.6186% | 4,358 |
| Pretax return on assets | 0.6467% | 4,799 |
| Return on Equity (ROE) | 5.2391% | 4,560 |
| Retained earnings to average equity (ytd only) | 2.2624% | 4,758 |
| Net charge-offs to loans | 0.0240% | 3,718 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 92.0000% | 592 |
| Efficiency ratio | 73.8636% | 2,998 |
| Assets per employee ($millions) | 4.6985% | 2,611 |
| Cash dividends to net income (ytd only)* | 56.8182% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0732% | 1,234 |
| Loan loss allowance to noncurrent loans | 177.6596% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.3334% | 5,043 |
| Noncurrent loans to loans | 1.1670% | 2,892 |
| Net loans and leases to total assets | 27.9806% | 6,362 |
| Net loans and leases to deposits | 34.6985% | 6,332 |
| Net loans and leases to core deposits | 35.2347% | 6,347 |
| Total domestic deposits to total assets | 80.6392% | 5,084 |
| Equity capital to assets | 12.1032% | 1,915 |
| Core capital (leverage) ratio | 12.4283% | 1,433 |
| Tier 1 risk-based capital ratio | 24.6747% | 908 |
| Total risk-based capital ratio | 25.8493% | 900 |
| Memoranda: | ||
| Average total assets | $28,453,330 | 6,415 |
| Average earning assets | $27,164,000 | 6,371 |
| Average equity | $3,359,330 | 6,326 |
| Average total loans | $8,328,000 | 6,494 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8329% | 6,373 |
| Cost of funding earning assets | 0.6640% | 1,485 |
| Net interest margin | 2.1689% | 6,539 |
| Noninterest income to average assets | 0.4198% | 4,034 |
| Noninterest expense to average assets | 1.7912% | 6,232 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6577% | 3,901 |
| Return on assets (ROA) | 0.6577% | 4,000 |
| Pretax return on assets | 0.6857% | 4,536 |
| Return on Equity (ROE) | 5.6406% | 4,215 |
| Retained earnings to average equity (ytd only) | 2.6403% | 4,493 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3164% | 3,429 |
| Assets per employee ($millions) | 4.6592% | 2,718 |
| Cash dividends to net income (ytd only)* | 53.1915% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0151% | 1,490 |
| Loan loss allowance to noncurrent loans | 182.6087% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.3291% | 5,163 |
| Noncurrent loans to loans | 1.1035% | 3,216 |
| Net loans and leases to total assets | 29.2220% | 6,384 |
| Net loans and leases to deposits | 36.2535% | 6,305 |
| Net loans and leases to core deposits | 36.8155% | 6,341 |
| Total domestic deposits to total assets | 80.6045% | 5,352 |
| Equity capital to assets | 12.0909% | 1,815 |
| Core capital (leverage) ratio | 12.4594% | 1,402 |
| Tier 1 risk-based capital ratio | 24.2197% | 971 |
| Total risk-based capital ratio | 25.3849% | 966 |
| Memoranda: | ||
| Average total assets | $28,584,500 | 6,479 |
| Average earning assets | $27,110,000 | 6,436 |
| Average equity | $3,333,000 | 6,385 |
| Average total loans | $8,464,500 | 6,560 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9022% | 6,422 |
| Cost of funding earning assets | 0.7386% | 1,569 |
| Net interest margin | 2.1636% | 6,593 |
| Noninterest income to average assets | 0.4132% | 4,352 |
| Noninterest expense to average assets | 1.8455% | 6,260 |
| Loan and lease loss provision to assets | 0.0735% | 3,646 |
| Net operating income to assets | 0.4903% | 4,771 |
| Return on assets (ROA) | 0.4903% | 4,914 |
| Pretax return on assets | 0.5253% | 5,121 |
| Return on Equity (ROE) | 4.1751% | 5,023 |
| Retained earnings to average equity (ytd only) | 1.1929% | 5,293 |
| Net charge-offs to loans | 0.0125% | 5,202 |
| Credit loss provision to net charge-offs | 2,100.0000% | 115 |
| Earnings coverage of net charge-offs (x) | 171.0000% | 273 |
| Efficiency ratio | 75.5014% | 2,859 |
| Assets per employee ($millions) | 4.8690% | 2,349 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9553% | 1,664 |
| Loan loss allowance to noncurrent loans | 218.1818% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.2636% | 5,472 |
| Noncurrent loans to loans | 0.8962% | 3,748 |
| Net loans and leases to total assets | 28.8355% | 6,499 |
| Net loans and leases to deposits | 35.2587% | 6,455 |
| Net loans and leases to core deposits | 35.7737% | 6,479 |
| Total domestic deposits to total assets | 81.7827% | 4,948 |
| Equity capital to assets | 11.2480% | 2,386 |
| Core capital (leverage) ratio | 12.5990% | 1,308 |
| Tier 1 risk-based capital ratio | 23.2928% | 1,053 |
| Total risk-based capital ratio | 24.4209% | 1,049 |
| Memoranda: | ||
| Average total assets | $28,556,000 | 6,552 |
| Average earning assets | $26,807,600 | 6,508 |
| Average equity | $3,353,200 | 6,466 |
| Average total loans | $7,982,200 | 6,651 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9051% | 6,490 |
| Cost of funding earning assets | 0.7537% | 1,579 |
| Net interest margin | 2.1514% | 6,674 |
| Noninterest income to average assets | 0.4273% | 4,321 |
| Noninterest expense to average assets | 1.7845% | 6,361 |
| Loan and lease loss provision to assets | 0.0986% | 3,114 |
| Net operating income to assets | 0.5354% | 4,639 |
| Return on assets (ROA) | 0.5354% | 4,790 |
| Pretax return on assets | 0.5682% | 5,142 |
| Return on Equity (ROE) | 4.5104% | 4,981 |
| Retained earnings to average equity (ytd only) | 1.5430% | 5,362 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7969% | 3,262 |
| Assets per employee ($millions) | 4.5272% | 2,842 |
| Cash dividends to net income (ytd only)* | 65.7895% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0942% | 1,516 |
| Loan loss allowance to noncurrent loans | 600.0000% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.1031% | 6,127 |
| Noncurrent loans to loans | 0.3490% | 5,335 |
| Net loans and leases to total assets | 28.9143% | 6,569 |
| Net loans and leases to deposits | 36.0061% | 6,508 |
| Net loans and leases to core deposits | 36.6034% | 6,545 |
| Total domestic deposits to total assets | 80.3041% | 5,425 |
| Equity capital to assets | 12.1599% | 1,811 |
| Core capital (leverage) ratio | 12.6464% | 1,351 |
| Tier 1 risk-based capital ratio | 24.7395% | 904 |
| Total risk-based capital ratio | 25.9383% | 894 |
| Memoranda: | ||
| Average total assets | $28,391,500 | 6,630 |
| Average earning assets | $26,711,000 | 6,586 |
| Average equity | $3,370,000 | 6,535 |
| Average total loans | $7,829,750 | 6,732 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8746% | 6,552 |
| Cost of funding earning assets | 0.7483% | 1,721 |
| Net interest margin | 2.1263% | 6,723 |
| Noninterest income to average assets | 0.4861% | 3,925 |
| Noninterest expense to average assets | 1.6666% | 6,536 |
| Loan and lease loss provision to assets | 0.1042% | 3,054 |
| Net operating income to assets | 0.6736% | 3,936 |
| Return on assets (ROA) | 0.6736% | 4,099 |
| Pretax return on assets | 0.7083% | 4,661 |
| Return on Equity (ROE) | 5.7188% | 4,333 |
| Retained earnings to average equity (ytd only) | 2.7710% | 4,549 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2269% | 4,321 |
| Assets per employee ($millions) | 4.6300% | 2,605 |
| Cash dividends to net income (ytd only)* | 51.5464% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2486% | 1,338 |
| Loan loss allowance to noncurrent loans | 652.0000% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.2016% | 5,889 |
| Noncurrent loans to loans | 0.3449% | 5,434 |
| Net loans and leases to total assets | 25.5076% | 6,693 |
| Net loans and leases to deposits | 31.5775% | 6,663 |
| Net loans and leases to core deposits | 32.0866% | 6,683 |
| Total domestic deposits to total assets | 80.7775% | 5,404 |
| Equity capital to assets | 11.8611% | 1,997 |
| Core capital (leverage) ratio | 12.4423% | 1,393 |
| Tier 1 risk-based capital ratio | 25.6856% | 803 |
| Total risk-based capital ratio | 26.8904% | 789 |
| Memoranda: | ||
| Average total assets | $28,801,000 | 6,673 |
| Average earning assets | $26,995,330 | 6,628 |
| Average equity | $3,392,330 | 6,581 |
| Average total loans | $7,765,670 | 6,778 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8799% | 6,626 |
| Cost of funding earning assets | 0.7532% | 1,824 |
| Net interest margin | 2.1267% | 6,801 |
| Noninterest income to average assets | 0.3821% | 4,605 |
| Noninterest expense to average assets | 1.6512% | 6,622 |
| Loan and lease loss provision to assets | 0.1228% | 2,697 |
| Net operating income to assets | 0.5322% | 4,527 |
| Return on assets (ROA) | 0.5322% | 4,672 |
| Pretax return on assets | 0.5732% | 5,037 |
| Return on Equity (ROE) | 4.5336% | 4,822 |
| Retained earnings to average equity (ytd only) | 1.6274% | 5,170 |
| Net charge-offs to loans | -0.0499% | 6,139 |
| Credit loss provision to net charge-offs | -900.0000% | 5,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3488% | 3,917 |
| Assets per employee ($millions) | 4.7503% | 2,571 |
| Cash dividends to net income (ytd only)* | 64.1026% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0880% | 1,824 |
| Loan loss allowance to noncurrent loans | 1,046.6667% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.1614% | 6,089 |
| Noncurrent loans to loans | 0.1995% | 5,904 |
| Net loans and leases to total assets | 25.8298% | 6,734 |
| Net loans and leases to deposits | 31.9934% | 6,688 |
| Net loans and leases to core deposits | 32.4918% | 6,707 |
| Total domestic deposits to total assets | 80.7347% | 5,562 |
| Equity capital to assets | 12.0728% | 1,992 |
| Core capital (leverage) ratio | 12.1275% | 1,499 |
| Tier 1 risk-based capital ratio | 25.0600% | 881 |
| Total risk-based capital ratio | 26.2028% | 884 |
| Memoranda: | ||
| Average total assets | $29,311,500 | 6,728 |
| Average earning assets | $27,084,000 | 6,691 |
| Average equity | $3,441,000 | 6,634 |
| Average total loans | $8,024,000 | 6,845 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3482% | 6,542 |
| Cost of funding earning assets | 0.8850% | 2,029 |
| Net interest margin | 2.4632% | 6,734 |
| Noninterest income to average assets | 0.4719% | 4,083 |
| Noninterest expense to average assets | 1.8946% | 6,498 |
| Loan and lease loss provision to assets | 0.1249% | 4,055 |
| Net operating income to assets | 0.7356% | 3,578 |
| Return on assets (ROA) | 0.7356% | 3,822 |
| Pretax return on assets | 0.7703% | 4,407 |
| Return on Equity (ROE) | 6.2228% | 4,059 |
| Retained earnings to average equity (ytd only) | 1.8199% | 4,941 |
| Net charge-offs to loans | 0.5092% | 2,206 |
| Credit loss provision to net charge-offs | 76.5957% | 3,944 |
| Earnings coverage of net charge-offs (x) | 5.4894% | 3,025 |
| Efficiency ratio | 67.9104% | 4,163 |
| Assets per employee ($millions) | 5.0202% | 2,201 |
| Cash dividends to net income (ytd only)* | 70.7547% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7235% | 2,843 |
| Loan loss allowance to noncurrent loans | 474.1935% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.1029% | 6,329 |
| Noncurrent loans to loans | 0.3635% | 5,578 |
| Net loans and leases to total assets | 27.8278% | 6,762 |
| Net loans and leases to deposits | 34.0303% | 6,739 |
| Net loans and leases to core deposits | 34.5251% | 6,757 |
| Total domestic deposits to total assets | 81.7735% | 5,171 |
| Equity capital to assets | 11.4239% | 2,512 |
| Core capital (leverage) ratio | 11.9160% | 1,613 |
| Tier 1 risk-based capital ratio | 23.4441% | 1,043 |
| Total risk-based capital ratio | 24.4495% | 1,066 |
| Memoranda: | ||
| Average total assets | $28,819,000 | 6,782 |
| Average earning assets | $27,118,800 | 6,733 |
| Average equity | $3,406,800 | 6,707 |
| Average total loans | $9,229,400 | 6,873 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4021% | 6,628 |
| Cost of funding earning assets | 0.9082% | 2,116 |
| Net interest margin | 2.4939% | 6,826 |
| Noninterest income to average assets | 0.5054% | 3,892 |
| Noninterest expense to average assets | 1.9606% | 6,423 |
| Loan and lease loss provision to assets | 0.1123% | 4,162 |
| Net operating income to assets | 0.7721% | 3,592 |
| Return on assets (ROA) | 0.7721% | 3,846 |
| Pretax return on assets | 0.8095% | 4,450 |
| Return on Equity (ROE) | 6.4736% | 4,081 |
| Retained earnings to average equity (ytd only) | 1.5693% | 5,551 |
| Net charge-offs to loans | 0.4679% | 2,230 |
| Credit loss provision to net charge-offs | 72.7273% | 3,830 |
| Earnings coverage of net charge-offs (x) | 5.9695% | 2,881 |
| Efficiency ratio | 68.0195% | 4,063 |
| Assets per employee ($millions) | 4.7313% | 2,559 |
| Cash dividends to net income (ytd only)* | 75.7580% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6747% | 3,232 |
| Loan loss allowance to noncurrent loans | 113.7405% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 0.4615% | 5,512 |
| Noncurrent loans to loans | 1.4724% | 3,583 |
| Net loans and leases to total assets | 30.8158% | 6,782 |
| Net loans and leases to deposits | 38.2242% | 6,746 |
| Net loans and leases to core deposits | 38.2242% | 6,806 |
| Total domestic deposits to total assets | 80.6186% | 5,479 |
| Equity capital to assets | 12.0614% | 2,205 |
| Core capital (leverage) ratio | 12.0666% | 1,616 |
| Tier 1 risk-based capital ratio | 23.4142% | 1,111 |
| Total risk-based capital ratio | 24.4382% | 1,119 |
| Memoranda: | ||
| Average total assets | $28,493,500 | 6,880 |
| Average earning assets | $27,159,000 | 6,820 |
| Average equity | $3,398,250 | 6,795 |
| Average total loans | $9,404,500 | 6,964 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4396% | 6,685 |
| Cost of funding earning assets | 0.9354% | 2,148 |
| Net interest margin | 2.5042% | 6,886 |
| Noninterest income to average assets | 0.5608% | 3,523 |
| Noninterest expense to average assets | 2.0190% | 6,394 |
| Loan and lease loss provision to assets | 0.1262% | 3,943 |
| Net operating income to assets | 0.7571% | 3,567 |
| Return on assets (ROA) | 0.7571% | 3,842 |
| Pretax return on assets | 0.7992% | 4,477 |
| Return on Equity (ROE) | 6.3723% | 4,116 |
| Retained earnings to average equity (ytd only) | 0.4720% | 5,881 |
| Net charge-offs to loans | 0.6894% | 1,610 |
| Credit loss provision to net charge-offs | 54.5455% | 3,940 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 3,202 |
| Efficiency ratio | 68.5714% | 4,028 |
| Assets per employee ($millions) | 4.7607% | 2,493 |
| Cash dividends to net income (ytd only)* | 92.5926% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6702% | 3,355 |
| Loan loss allowance to noncurrent loans | 297.9167% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.1680% | 6,372 |
| Noncurrent loans to loans | 0.5606% | 5,388 |
| Net loans and leases to total assets | 29.4742% | 6,887 |
| Net loans and leases to deposits | 36.4443% | 6,860 |
| Net loans and leases to core deposits | 36.4443% | 6,906 |
| Total domestic deposits to total assets | 80.8745% | 5,512 |
| Equity capital to assets | 11.8366% | 2,278 |
| Core capital (leverage) ratio | 11.8353% | 1,697 |
| Tier 1 risk-based capital ratio | 23.7372% | 1,049 |
| Total risk-based capital ratio | 24.7432% | 1,059 |
| Memoranda: | ||
| Average total assets | $28,528,670 | 6,931 |
| Average earning assets | $27,154,330 | 6,872 |
| Average equity | $3,389,670 | 6,837 |
| Average total loans | $9,573,670 | 7,016 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5355% | 6,650 |
| Cost of funding earning assets | 0.9682% | 2,175 |
| Net interest margin | 2.5673% | 6,897 |
| Noninterest income to average assets | 0.7155% | 2,575 |
| Noninterest expense to average assets | 1.9221% | 6,605 |
| Loan and lease loss provision to assets | 0.1263% | 3,768 |
| Net operating income to assets | 1.0943% | 2,115 |
| Return on assets (ROA) | 1.0943% | 2,307 |
| Pretax return on assets | 1.1224% | 3,230 |
| Return on Equity (ROE) | 9.1927% | 2,738 |
| Retained earnings to average equity (ytd only) | 3.2999% | 4,586 |
| Net charge-offs to loans | 1.3493% | 751 |
| Credit loss provision to net charge-offs | 26.4706% | 3,681 |
| Earnings coverage of net charge-offs (x) | 2.6176% | 3,129 |
| Efficiency ratio | 60.6195% | 5,525 |
| Assets per employee ($millions) | 4.7973% | 2,513 |
| Cash dividends to net income (ytd only)* | 64.1026% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4461% | 4,396 |
| Loan loss allowance to noncurrent loans | 458.6207% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.1008% | 6,628 |
| Noncurrent loans to loans | 0.3153% | 6,049 |
| Net loans and leases to total assets | 31.4897% | 6,854 |
| Net loans and leases to deposits | 38.8979% | 6,787 |
| Net loans and leases to core deposits | 38.8979% | 6,856 |
| Total domestic deposits to total assets | 80.9547% | 5,618 |
| Equity capital to assets | 11.8295% | 2,160 |
| Core capital (leverage) ratio | 12.3647% | 1,404 |
| Tier 1 risk-based capital ratio | 23.4004% | 1,081 |
| Total risk-based capital ratio | 24.3174% | 1,109 |
| Memoranda: | ||
| Average total assets | $28,511,000 | 6,991 |
| Average earning assets | $27,266,000 | 6,928 |
| Average equity | $3,394,000 | 6,875 |
| Average total loans | $10,079,500 | 7,056 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1946% | 6,069 |
| Cost of funding earning assets | 1.1332% | 2,445 |
| Net interest margin | 3.0614% | 6,424 |
| Noninterest income to average assets | 0.4475% | 4,237 |
| Noninterest expense to average assets | 2.0374% | 6,611 |
| Loan and lease loss provision to assets | 0.1310% | 4,978 |
| Net operating income to assets | 1.1169% | 1,770 |
| Return on assets (ROA) | 1.1169% | 1,892 |
| Pretax return on assets | 1.1788% | 2,533 |
| Return on Equity (ROE) | 9.2867% | 2,330 |
| Retained earnings to average equity (ytd only) | 0.9680% | 5,407 |
| Net charge-offs to loans | 0.0591% | 5,715 |
| Credit loss provision to net charge-offs | 514.2857% | 442 |
| Earnings coverage of net charge-offs (x) | 51.4286% | 544 |
| Efficiency ratio | 60.8696% | 5,624 |
| Assets per employee ($millions) | 4.7063% | 2,590 |
| Cash dividends to net income (ytd only)* | 89.5765% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4413% | 4,280 |
| Loan loss allowance to noncurrent loans | 112.0567% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 0.4993% | 5,725 |
| Noncurrent loans to loans | 1.2863% | 4,223 |
| Net loans and leases to total assets | 38.2605% | 6,641 |
| Net loans and leases to deposits | 49.0378% | 6,430 |
| Net loans and leases to core deposits | 49.0378% | 6,591 |
| Total domestic deposits to total assets | 78.0225% | 6,189 |
| Equity capital to assets | 11.9803% | 2,142 |
| Core capital (leverage) ratio | 12.7389% | 1,244 |
| Tier 1 risk-based capital ratio | 21.2219% | 1,374 |
| Total risk-based capital ratio | 22.2180% | 1,398 |
| Memoranda: | ||
| Average total assets | $27,486,600 | 7,041 |
| Average earning assets | $26,033,600 | 6,988 |
| Average equity | $3,305,800 | 6,931 |
| Average total loans | $11,846,400 | 7,039 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3155% | 5,896 |
| Cost of funding earning assets | 1.1563% | 2,593 |
| Net interest margin | 3.1592% | 6,262 |
| Noninterest income to average assets | 0.4591% | 4,225 |
| Noninterest expense to average assets | 1.9878% | 6,715 |
| Loan and lease loss provision to assets | 0.1319% | 4,780 |
| Net operating income to assets | 1.2650% | 1,468 |
| Return on assets (ROA) | 1.2650% | 1,578 |
| Pretax return on assets | 1.3284% | 2,188 |
| Return on Equity (ROE) | 10.5072% | 2,030 |
| Retained earnings to average equity (ytd only) | 2.3934% | 4,926 |
| Net charge-offs to loans | -0.0553% | 7,062 |
| Credit loss provision to net charge-offs | -540.0000% | 6,680 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6487% | 6,066 |
| Assets per employee ($millions) | 4.6392% | 2,704 |
| Cash dividends to net income (ytd only)* | 77.2211% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3497% | 4,775 |
| Loan loss allowance to noncurrent loans | 73.5160% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 0.7868% | 5,201 |
| Noncurrent loans to loans | 1.8359% | 3,588 |
| Net loans and leases to total assets | 42.2777% | 6,484 |
| Net loans and leases to deposits | 55.3059% | 6,097 |
| Net loans and leases to core deposits | 55.3059% | 6,366 |
| Total domestic deposits to total assets | 76.4433% | 6,468 |
| Equity capital to assets | 12.2759% | 2,036 |
| Core capital (leverage) ratio | 12.9583% | 1,241 |
| Tier 1 risk-based capital ratio | 20.7904% | 1,499 |
| Total risk-based capital ratio | 21.7770% | 1,529 |
| Memoranda: | ||
| Average total assets | $27,298,750 | 7,112 |
| Average earning assets | $25,828,500 | 7,061 |
| Average equity | $3,286,500 | 6,994 |
| Average total loans | $12,067,500 | 7,101 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4364% | 5,565 |
| Cost of funding earning assets | 1.1614% | 2,840 |
| Net interest margin | 3.2750% | 5,929 |
| Noninterest income to average assets | 0.4351% | 4,385 |
| Noninterest expense to average assets | 2.0501% | 6,692 |
| Loan and lease loss provision to assets | 0.1327% | 4,638 |
| Net operating income to assets | 1.2979% | 1,324 |
| Return on assets (ROA) | 1.2979% | 1,398 |
| Pretax return on assets | 1.3717% | 1,888 |
| Return on Equity (ROE) | 10.8541% | 1,845 |
| Retained earnings to average equity (ytd only) | 1.6035% | 5,187 |
| Net charge-offs to loans | -0.0330% | 6,944 |
| Credit loss provision to net charge-offs | -900.0000% | 6,570 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6763% | 6,206 |
| Assets per employee ($millions) | 4.4602% | 2,910 |
| Cash dividends to net income (ytd only)* | 85.2273% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2700% | 5,197 |
| Loan loss allowance to noncurrent loans | 71.9807% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 0.7735% | 5,350 |
| Noncurrent loans to loans | 1.7644% | 3,804 |
| Net loans and leases to total assets | 43.2831% | 6,496 |
| Net loans and leases to deposits | 56.5245% | 6,091 |
| Net loans and leases to core deposits | 56.5245% | 6,375 |
| Total domestic deposits to total assets | 76.5741% | 6,511 |
| Equity capital to assets | 12.4771% | 1,791 |
| Core capital (leverage) ratio | 12.8352% | 1,228 |
| Tier 1 risk-based capital ratio | 22.0704% | 1,244 |
| Total risk-based capital ratio | 23.0491% | 1,259 |
| Memoranda: | ||
| Average total assets | $27,120,000 | 7,184 |
| Average earning assets | $25,832,000 | 7,129 |
| Average equity | $3,243,000 | 7,057 |
| Average total loans | $12,113,670 | 7,165 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5401% | 5,201 |
| Cost of funding earning assets | 1.0890% | 3,592 |
| Net interest margin | 3.4511% | 5,219 |
| Noninterest income to average assets | 0.4103% | 4,625 |
| Noninterest expense to average assets | 1.8169% | 7,117 |
| Loan and lease loss provision to assets | 0.1319% | 4,348 |
| Net operating income to assets | 1.6850% | 586 |
| Return on assets (ROA) | 1.6850% | 621 |
| Pretax return on assets | 1.7583% | 884 |
| Return on Equity (ROE) | 14.3975% | 920 |
| Retained earnings to average equity (ytd only) | 5.0078% | 3,189 |
| Net charge-offs to loans | -0.0325% | 6,740 |
| Credit loss provision to net charge-offs | -900.0000% | 6,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0119% | 7,062 |
| Assets per employee ($millions) | 4.5327% | 2,831 |
| Cash dividends to net income (ytd only)* | 65.2174% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1274% | 5,943 |
| Loan loss allowance to noncurrent loans | 157.3034% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.3273% | 6,379 |
| Noncurrent loans to loans | 0.7167% | 5,577 |
| Net loans and leases to total assets | 45.1463% | 6,366 |
| Net loans and leases to deposits | 61.0421% | 5,610 |
| Net loans and leases to core deposits | 61.0421% | 6,010 |
| Total domestic deposits to total assets | 73.9594% | 6,909 |
| Equity capital to assets | 11.8253% | 2,025 |
| Core capital (leverage) ratio | 12.6566% | 1,265 |
| Tier 1 risk-based capital ratio | 21.2777% | 1,350 |
| Total risk-based capital ratio | 22.1606% | 1,390 |
| Memoranda: | ||
| Average total assets | $27,299,500 | 7,226 |
| Average earning assets | $26,078,500 | 7,168 |
| Average equity | $3,195,000 | 7,107 |
| Average total loans | $12,304,500 | 7,210 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7883% | 5,457 |
| Cost of funding earning assets | 1.3716% | 3,448 |
| Net interest margin | 3.4167% | 5,567 |
| Noninterest income to average assets | 0.5187% | 4,036 |
| Noninterest expense to average assets | 2.3440% | 6,228 |
| Loan and lease loss provision to assets | 0.1794% | 5,425 |
| Net operating income to assets | 1.1701% | 1,485 |
| Return on assets (ROA) | 1.1701% | 1,562 |
| Pretax return on assets | 1.2403% | 2,102 |
| Return on Equity (ROE) | 8.8318% | 2,369 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,576 |
| Net charge-offs to loans | 0.0340% | 6,462 |
| Credit loss provision to net charge-offs | 1,150.0000% | 201 |
| Earnings coverage of net charge-offs (x) | 91.0000% | 267 |
| Efficiency ratio | 62.2798% | 5,683 |
| Assets per employee ($millions) | 4.5672% | 2,763 |
| Cash dividends to net income (ytd only)* | 100.0000% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0582% | 6,119 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 44.0171% | 6,709 |
| Net loans and leases to deposits | 61.7140% | 5,870 |
| Net loans and leases to core deposits | 61.7140% | 6,255 |
| Total domestic deposits to total assets | 71.3243% | 7,141 |
| Equity capital to assets | 11.5827% | 2,196 |
| Core capital (leverage) ratio | 12.9454% | 1,147 |
| Tier 1 risk-based capital ratio | 21.3181% | 1,275 |
| Total risk-based capital ratio | 22.1427% | 1,308 |
| Memoranda: | ||
| Average total assets | $25,639,600 | 7,326 |
| Average earning assets | $24,351,200 | 7,275 |
| Average equity | $3,396,800 | 7,162 |
| Average total loans | $11,757,400 | 7,318 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8617% | 5,431 |
| Cost of funding earning assets | 1.4256% | 3,424 |
| Net interest margin | 3.4360% | 5,548 |
| Noninterest income to average assets | 0.5450% | 3,829 |
| Noninterest expense to average assets | 2.3017% | 6,325 |
| Loan and lease loss provision to assets | 0.1640% | 5,398 |
| Net operating income to assets | 1.2699% | 1,411 |
| Return on assets (ROA) | 1.2699% | 1,495 |
| Pretax return on assets | 1.3440% | 2,054 |
| Return on Equity (ROE) | 9.2684% | 2,396 |
| Retained earnings to average equity (ytd only) | 0.5793% | 5,568 |
| Net charge-offs to loans | -0.0573% | 7,485 |
| Credit loss provision to net charge-offs | -620.0000% | 7,042 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4167% | 5,887 |
| Assets per employee ($millions) | 4.2883% | 3,285 |
| Cash dividends to net income (ytd only)* | 93.7498% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9864% | 6,457 |
| Loan loss allowance to noncurrent loans | 2,460.0000% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.0194% | 7,314 |
| Noncurrent loans to loans | 0.0401% | 7,146 |
| Net loans and leases to total assets | 47.9829% | 6,520 |
| Net loans and leases to deposits | 65.7366% | 5,698 |
| Net loans and leases to core deposits | 65.7366% | 6,146 |
| Total domestic deposits to total assets | 72.9926% | 7,032 |
| Equity capital to assets | 13.4745% | 1,361 |
| Core capital (leverage) ratio | 13.8126% | 962 |
| Tier 1 risk-based capital ratio | 21.6190% | 1,265 |
| Total risk-based capital ratio | 22.4130% | 1,313 |
| Memoranda: | ||
| Average total assets | $25,198,750 | 7,432 |
| Average earning assets | $23,941,750 | 7,379 |
| Average equity | $3,452,500 | 7,240 |
| Average total loans | $11,649,000 | 7,424 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9158% | 5,321 |
| Cost of funding earning assets | 1.4840% | 3,345 |
| Net interest margin | 3.4318% | 5,512 |
| Noninterest income to average assets | 0.5195% | 3,958 |
| Noninterest expense to average assets | 2.3500% | 6,220 |
| Loan and lease loss provision to assets | 0.1439% | 5,460 |
| Net operating income to assets | 1.1910% | 1,580 |
| Return on assets (ROA) | 1.1910% | 1,649 |
| Pretax return on assets | 1.2789% | 2,156 |
| Return on Equity (ROE) | 8.6435% | 2,604 |
| Retained earnings to average equity (ytd only) | -0.0580% | 5,746 |
| Net charge-offs to loans | -0.0352% | 7,389 |
| Credit loss provision to net charge-offs | -900.0000% | 6,893 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2881% | 5,641 |
| Assets per employee ($millions) | 4.1390% | 3,515 |
| Cash dividends to net income (ytd only)* | 100.6711% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9560% | 6,578 |
| Loan loss allowance to noncurrent loans | 55.7292% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 0.7731% | 5,579 |
| Noncurrent loans to loans | 1.7154% | 4,116 |
| Net loans and leases to total assets | 44.6404% | 6,874 |
| Net loans and leases to deposits | 59.7017% | 6,438 |
| Net loans and leases to core deposits | 59.7017% | 6,731 |
| Total domestic deposits to total assets | 74.7725% | 6,879 |
| Equity capital to assets | 13.9365% | 1,180 |
| Core capital (leverage) ratio | 13.2810% | 1,119 |
| Tier 1 risk-based capital ratio | 23.2784% | 1,031 |
| Total risk-based capital ratio | 24.0257% | 1,075 |
| Memoranda: | ||
| Average total assets | $25,021,670 | 7,498 |
| Average earning assets | $23,719,330 | 7,448 |
| Average equity | $3,447,670 | 7,278 |
| Average total loans | $11,375,670 | 7,485 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9429% | 5,261 |
| Cost of funding earning assets | 1.5352% | 3,351 |
| Net interest margin | 3.4077% | 5,551 |
| Noninterest income to average assets | 0.4619% | 4,370 |
| Noninterest expense to average assets | 2.1023% | 6,937 |
| Loan and lease loss provision to assets | 0.1433% | 5,115 |
| Net operating income to assets | 1.3219% | 1,249 |
| Return on assets (ROA) | 1.3219% | 1,321 |
| Pretax return on assets | 1.4334% | 1,681 |
| Return on Equity (ROE) | 9.6484% | 2,225 |
| Retained earnings to average equity (ytd only) | 0.9300% | 5,443 |
| Net charge-offs to loans | -0.0698% | 7,442 |
| Credit loss provision to net charge-offs | -450.0000% | 6,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1429% | 6,611 |
| Assets per employee ($millions) | 4.1555% | 3,549 |
| Cash dividends to net income (ytd only)* | 90.3614% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8927% | 6,860 |
| Loan loss allowance to noncurrent loans | 79.6748% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 0.4933% | 6,253 |
| Noncurrent loans to loans | 1.1204% | 5,120 |
| Net loans and leases to total assets | 43.6369% | 7,023 |
| Net loans and leases to deposits | 56.1317% | 6,766 |
| Net loans and leases to core deposits | 56.1317% | 6,990 |
| Total domestic deposits to total assets | 77.7403% | 6,383 |
| Equity capital to assets | 13.8251% | 1,200 |
| Core capital (leverage) ratio | 13.6516% | 1,043 |
| Tier 1 risk-based capital ratio | 23.7311% | 989 |
| Total risk-based capital ratio | 24.4268% | 1,032 |
| Memoranda: | ||
| Average total assets | $25,115,500 | 7,585 |
| Average earning assets | $23,711,000 | 7,542 |
| Average equity | $3,441,000 | 7,362 |
| Average total loans | $11,467,000 | 7,570 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5524% | 3,857 |
| Cost of funding earning assets | 1.8594% | 3,680 |
| Net interest margin | 3.6931% | 4,176 |
| Noninterest income to average assets | 0.5858% | 3,745 |
| Noninterest expense to average assets | 2.4205% | 6,405 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.6028% | 547 |
| Return on assets (ROA) | 1.6028% | 580 |
| Pretax return on assets | 1.6801% | 818 |
| Return on Equity (ROE) | 11.4615% | 1,304 |
| Retained earnings to average equity (ytd only) | 0.5527% | 4,596 |
| Net charge-offs to loans | 0.1350% | 5,855 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 25.8125% | 866 |
| Efficiency ratio | 59.0278% | 6,615 |
| Assets per employee ($millions) | 4.2163% | 3,406 |
| Cash dividends to net income (ytd only)* | 95.1777% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7277% | 7,315 |
| Loan loss allowance to noncurrent loans | 33.4615% | 6,213 |
| Noncurrent assets plus other real estate owned to assets | 1.0277% | 5,051 |
| Noncurrent loans to loans | 2.1746% | 3,412 |
| Net loans and leases to total assets | 46.9168% | 6,903 |
| Net loans and leases to deposits | 60.0354% | 6,632 |
| Net loans and leases to core deposits | 64.5546% | 7,056 |
| Total domestic deposits to total assets | 78.1485% | 6,185 |
| Equity capital to assets | 13.5781% | 1,289 |
| Core capital (leverage) ratio | 13.5876% | 1,070 |
| Tier 1 risk-based capital ratio | 22.1897% | 1,125 |
| Total risk-based capital ratio | 22.7687% | 1,187 |
| Memoranda: | ||
| Average total assets | $24,582,200 | 7,650 |
| Average earning assets | $23,395,200 | 7,605 |
| Average equity | $3,437,600 | 7,461 |
| Average total loans | $11,856,000 | 7,610 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5682% | 4,048 |
| Cost of funding earning assets | 1.9132% | 3,808 |
| Net interest margin | 3.6550% | 4,255 |
| Noninterest income to average assets | 0.5464% | 4,108 |
| Noninterest expense to average assets | 2.4259% | 6,332 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.5462% | 734 |
| Return on assets (ROA) | 1.5462% | 793 |
| Pretax return on assets | 1.6172% | 1,143 |
| Return on Equity (ROE) | 10.9742% | 1,627 |
| Retained earnings to average equity (ytd only) | -0.6593% | 5,397 |
| Net charge-offs to loans | -0.0226% | 7,773 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0000% | 6,413 |
| Assets per employee ($millions) | 4.0157% | 3,699 |
| Cash dividends to net income (ytd only)* | 106.0082% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8794% | 6,848 |
| Loan loss allowance to noncurrent loans | 36.3322% | 5,983 |
| Noncurrent assets plus other real estate owned to assets | 1.1995% | 4,673 |
| Noncurrent loans to loans | 2.4204% | 3,112 |
| Net loans and leases to total assets | 49.1201% | 6,856 |
| Net loans and leases to deposits | 63.9246% | 6,491 |
| Net loans and leases to core deposits | 69.0450% | 7,012 |
| Total domestic deposits to total assets | 76.8407% | 6,382 |
| Equity capital to assets | 14.2525% | 1,222 |
| Core capital (leverage) ratio | 13.2957% | 1,293 |
| Tier 1 risk-based capital ratio | 22.2883% | 1,189 |
| Total risk-based capital ratio | 22.9979% | 1,237 |
| Memoranda: | ||
| Average total assets | $24,403,250 | 7,731 |
| Average earning assets | $23,346,500 | 7,678 |
| Average equity | $3,438,250 | 7,532 |
| Average total loans | $11,831,000 | 7,684 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4174% | 5,048 |
| Cost of funding earning assets | 1.9281% | 4,119 |
| Net interest margin | 3.4893% | 4,846 |
| Noninterest income to average assets | 0.4978% | 4,461 |
| Noninterest expense to average assets | 2.4647% | 6,243 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.3221% | 1,183 |
| Return on assets (ROA) | 1.3221% | 1,252 |
| Pretax return on assets | 1.3711% | 1,806 |
| Return on Equity (ROE) | 9.4195% | 2,216 |
| Retained earnings to average equity (ytd only) | -2.2095% | 5,792 |
| Net charge-offs to loans | -0.0339% | 7,792 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2553% | 5,862 |
| Assets per employee ($millions) | 4.1788% | 3,333 |
| Cash dividends to net income (ytd only)* | 123.4568% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8532% | 6,968 |
| Loan loss allowance to noncurrent loans | 1,166.6667% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.0359% | 7,519 |
| Noncurrent loans to loans | 0.0731% | 7,342 |
| Net loans and leases to total assets | 48.6619% | 6,979 |
| Net loans and leases to deposits | 64.0170% | 6,562 |
| Net loans and leases to core deposits | 72.0333% | 6,894 |
| Total domestic deposits to total assets | 76.0140% | 6,547 |
| Equity capital to assets | 13.4527% | 1,510 |
| Core capital (leverage) ratio | 13.3298% | 1,319 |
| Tier 1 risk-based capital ratio | 21.6704% | 1,305 |
| Total risk-based capital ratio | 22.3648% | 1,346 |
| Memoranda: | ||
| Average total assets | $24,506,330 | 7,802 |
| Average earning assets | $23,443,000 | 7,749 |
| Average equity | $3,439,670 | 7,594 |
| Average total loans | $11,794,670 | 7,759 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4207% | 5,314 |
| Cost of funding earning assets | 1.9633% | 4,316 |
| Net interest margin | 3.4574% | 4,905 |
| Noninterest income to average assets | 0.4459% | 4,821 |
| Noninterest expense to average assets | 2.2128% | 6,830 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4532% | 1,037 |
| Return on assets (ROA) | 1.4532% | 1,111 |
| Pretax return on assets | 1.5192% | 1,614 |
| Return on Equity (ROE) | 10.1353% | 2,270 |
| Retained earnings to average equity (ytd only) | -1.3821% | 5,977 |
| Net charge-offs to loans | -0.0347% | 7,594 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2920% | 6,510 |
| Assets per employee ($millions) | 4.0532% | 3,550 |
| Cash dividends to net income (ytd only)* | 113.6364% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9260% | 6,625 |
| Loan loss allowance to noncurrent loans | 1,040.0000% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.0411% | 7,488 |
| Noncurrent loans to loans | 0.0890% | 7,268 |
| Net loans and leases to total assets | 45.7543% | 7,207 |
| Net loans and leases to deposits | 59.3662% | 6,943 |
| Net loans and leases to core deposits | 64.6392% | 7,294 |
| Total domestic deposits to total assets | 77.0714% | 6,260 |
| Equity capital to assets | 14.1906% | 1,313 |
| Core capital (leverage) ratio | 14.0487% | 1,182 |
| Tier 1 risk-based capital ratio | 23.7267% | 1,113 |
| Total risk-based capital ratio | 24.4738% | 1,143 |
| Memoranda: | ||
| Average total assets | $24,223,000 | 7,861 |
| Average earning assets | $23,023,000 | 7,807 |
| Average equity | $3,473,000 | 7,632 |
| Average total loans | $11,539,000 | 7,827 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1851% | 4,589 |
| Cost of funding earning assets | 2.4767% | 4,328 |
| Net interest margin | 3.7085% | 4,437 |
| Noninterest income to average assets | 0.5757% | 4,042 |
| Noninterest expense to average assets | 2.1702% | 7,055 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.8472% | 496 |
| Return on assets (ROA) | 1.8472% | 481 |
| Pretax return on assets | 1.9217% | 732 |
| Return on Equity (ROE) | 13.0348% | 1,318 |
| Retained earnings to average equity (ytd only) | 3.5364% | 2,939 |
| Net charge-offs to loans | 0.1496% | 4,714 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 25.7778% | 1,317 |
| Efficiency ratio | 53.0364% | 7,377 |
| Assets per employee ($millions) | 4.8254% | 2,148 |
| Cash dividends to net income (ytd only)* | 72.8700% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8694% | 6,812 |
| Loan loss allowance to noncurrent loans | 572.2222% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.0746% | 7,275 |
| Noncurrent loans to loans | 0.1519% | 6,957 |
| Net loans and leases to total assets | 48.6758% | 7,134 |
| Net loans and leases to deposits | 63.4194% | 6,848 |
| Net loans and leases to core deposits | 68.4901% | 7,266 |
| Total domestic deposits to total assets | 76.7522% | 6,052 |
| Equity capital to assets | 14.4858% | 1,301 |
| Core capital (leverage) ratio | 13.9116% | 1,274 |
| Tier 1 risk-based capital ratio | 22.9937% | 1,194 |
| Total risk-based capital ratio | 23.7081% | 1,227 |
| Memoranda: | ||
| Average total assets | $24,145,200 | 7,866 |
| Average earning assets | $22,893,600 | 7,826 |
| Average equity | $3,421,600 | 7,712 |
| Average total loans | $12,034,600 | 7,831 |