Home > Farmers Security Bank > Performance and Condition Ratios
Farmers Security Bank, Performance and Condition Ratios
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5255% | 2,589 |
| Cost of funding earning assets | 0.3300% | 2,120 |
| Net interest margin | 3.1955% | 2,607 |
| Noninterest income to average assets | 0.2757% | 3,741 |
| Noninterest expense to average assets | 2.3537% | 2,645 |
| Loan and lease loss provision to assets | 0.1066% | 1,186 |
| Net operating income to assets | 0.7093% | 3,603 |
| Return on assets (ROA) | 0.7093% | 3,656 |
| Pretax return on assets | 0.8571% | 3,602 |
| Return on Equity (ROE) | 7.2422% | 3,447 |
| Retained earnings to average equity (ytd only) | 1.4368% | 4,140 |
| Net charge-offs to loans | 0.2308% | 400 |
| Credit loss provision to net charge-offs | 90.3614% | 1,877 |
| Earnings coverage of net charge-offs (x) | 8.1687% | 2,315 |
| Efficiency ratio | 70.9512% | 1,623 |
| Assets per employee ($millions) | 6.0583% | 2,710 |
| Cash dividends to net income (ytd only)* | 80.1603% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5754% | 1,318 |
| 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 | 49.6706% | 3,325 |
| Net loans and leases to deposits | 54.7910% | 3,535 |
| Net loans and leases to core deposits | 55.7468% | 3,636 |
| Total domestic deposits to total assets | 90.6546% | 640 |
| Equity capital to assets | 9.2298% | 3,390 |
| Core capital (leverage) ratio | 9.2151% | 3,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,356,000 | 4,337 |
| Average earning assets | $66,969,800 | 4,302 |
| Average equity | $6,890,200 | 4,435 |
| Average total loans | $35,963,800 | 4,273 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6993% | 2,279 |
| Cost of funding earning assets | 0.3430% | 2,182 |
| Net interest margin | 3.3562% | 2,279 |
| Noninterest income to average assets | 0.2962% | 3,674 |
| Noninterest expense to average assets | 2.2703% | 2,833 |
| Loan and lease loss provision to assets | 0.1433% | 788 |
| Net operating income to assets | 0.8848% | 3,293 |
| Return on assets (ROA) | 0.8848% | 3,366 |
| Pretax return on assets | 1.0797% | 3,245 |
| Return on Equity (ROE) | 8.9012% | 3,139 |
| Retained earnings to average equity (ytd only) | 6.0174% | 2,812 |
| Net charge-offs to loans | 0.1528% | 542 |
| Credit loss provision to net charge-offs | 182.9268% | 1,250 |
| Earnings coverage of net charge-offs (x) | 15.6098% | 1,860 |
| Efficiency ratio | 64.9891% | 2,248 |
| Assets per employee ($millions) | 5.3258% | 3,381 |
| Cash dividends to net income (ytd only)* | 32.3974% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5985% | 1,343 |
| Loan loss allowance to noncurrent loans | 688.8889% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.1300% | 3,246 |
| Noncurrent loans to loans | 0.2320% | 3,010 |
| Net loans and leases to total assets | 55.1245% | 2,838 |
| Net loans and leases to deposits | 61.5214% | 3,093 |
| Net loans and leases to core deposits | 62.6627% | 3,251 |
| Total domestic deposits to total assets | 89.6022% | 966 |
| Equity capital to assets | 10.1031% | 2,801 |
| Core capital (leverage) ratio | 9.8958% | 2,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,770,250 | 4,399 |
| Average earning assets | $66,461,750 | 4,362 |
| Average equity | $6,935,250 | 4,492 |
| Average total loans | $35,782,750 | 4,330 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9012% | 1,813 |
| Cost of funding earning assets | 0.3541% | 2,277 |
| Net interest margin | 3.5470% | 1,727 |
| Noninterest income to average assets | 0.3231% | 3,494 |
| Noninterest expense to average assets | 2.2674% | 2,856 |
| Loan and lease loss provision to assets | 0.0858% | 1,433 |
| Net operating income to assets | 1.1008% | 2,546 |
| Return on assets (ROA) | 1.1008% | 2,610 |
| Pretax return on assets | 1.3496% | 2,479 |
| Return on Equity (ROE) | 11.1347% | 2,383 |
| Retained earnings to average equity (ytd only) | 10.4116% | 1,283 |
| Net charge-offs to loans | 0.1955% | 440 |
| Credit loss provision to net charge-offs | 88.2353% | 1,444 |
| Earnings coverage of net charge-offs (x) | 14.7647% | 1,651 |
| Efficiency ratio | 61.2355% | 2,841 |
| Assets per employee ($millions) | 5.4315% | 3,207 |
| Cash dividends to net income (ytd only)* | 6.4935% | 2,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5727% | 1,348 |
| Loan loss allowance to noncurrent loans | 646.6667% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.1275% | 3,387 |
| Noncurrent loans to loans | 0.2432% | 3,078 |
| Net loans and leases to total assets | 51.5869% | 3,385 |
| Net loans and leases to deposits | 57.5162% | 3,592 |
| Net loans and leases to core deposits | 58.5526% | 3,723 |
| Total domestic deposits to total assets | 89.6911% | 930 |
| Equity capital to assets | 10.0016% | 2,848 |
| Core capital (leverage) ratio | 9.6605% | 2,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,948,333 | 4,426 |
| Average earning assets | $66,647,000 | 4,389 |
| Average equity | $6,915,333 | 4,515 |
| Average total loans | $34,781,667 | 4,378 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8007% | 2,096 |
| Cost of funding earning assets | 0.3734% | 2,324 |
| Net interest margin | 3.4273% | 2,034 |
| Noninterest income to average assets | 0.2873% | 3,687 |
| Noninterest expense to average assets | 2.3385% | 2,680 |
| Loan and lease loss provision to assets | 0.0862% | 1,524 |
| Net operating income to assets | 0.9021% | 3,118 |
| Return on assets (ROA) | 0.9021% | 3,199 |
| Pretax return on assets | 1.1319% | 3,034 |
| Return on Equity (ROE) | 9.1786% | 2,972 |
| Retained earnings to average equity (ytd only) | 8.8863% | 1,983 |
| Net charge-offs to loans | 0.4277% | 190 |
| Credit loss provision to net charge-offs | 41.6667% | 1,346 |
| Earnings coverage of net charge-offs (x) | 5.8889% | 1,667 |
| Efficiency ratio | 65.7512% | 2,261 |
| Assets per employee ($millions) | 5.9905% | 2,610 |
| Cash dividends to net income (ytd only)* | 3.1847% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6247% | 1,230 |
| Loan loss allowance to noncurrent loans | 614.1304% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.1280% | 3,533 |
| Noncurrent loans to loans | 0.2646% | 3,161 |
| Net loans and leases to total assets | 47.5906% | 3,850 |
| Net loans and leases to deposits | 52.7353% | 4,014 |
| Net loans and leases to core deposits | 53.6626% | 4,108 |
| Total domestic deposits to total assets | 90.2443% | 699 |
| Equity capital to assets | 9.5276% | 3,168 |
| Core capital (leverage) ratio | 9.4580% | 3,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,618,000 | 4,442 |
| Average earning assets | $66,408,500 | 4,406 |
| Average equity | $6,842,000 | 4,539 |
| Average total loans | $33,669,000 | 4,418 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0537% | 2,570 |
| Cost of funding earning assets | 0.4910% | 3,003 |
| Net interest margin | 3.5627% | 2,270 |
| Noninterest income to average assets | 0.3888% | 3,161 |
| Noninterest expense to average assets | 2.6441% | 2,405 |
| Loan and lease loss provision to assets | 0.0972% | 3,127 |
| Net operating income to assets | 0.8117% | 3,046 |
| Return on assets (ROA) | 0.8117% | 3,168 |
| Pretax return on assets | 1.0450% | 2,900 |
| Return on Equity (ROE) | 7.4857% | 3,004 |
| Retained earnings to average equity (ytd only) | 2.6745% | 3,518 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8331% | 1,972 |
| Assets per employee ($millions) | 5.6125% | 2,729 |
| Cash dividends to net income (ytd only)* | 64.2715% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7996% | 857 |
| Loan loss allowance to noncurrent loans | 305.2083% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.2851% | 2,871 |
| Noncurrent loans to loans | 0.5896% | 2,227 |
| Net loans and leases to total assets | 47.4774% | 4,009 |
| Net loans and leases to deposits | 52.9755% | 4,166 |
| Net loans and leases to core deposits | 53.7448% | 4,267 |
| Total domestic deposits to total assets | 89.6214% | 716 |
| Equity capital to assets | 10.1485% | 2,984 |
| Core capital (leverage) ratio | 9.7317% | 2,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $61,722,600 | 4,489 |
| Average earning assets | $58,860,200 | 4,453 |
| Average equity | $6,692,800 | 4,562 |
| Average total loans | $34,708,400 | 4,413 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2120% | 2,368 |
| Cost of funding earning assets | 0.5077% | 3,172 |
| Net interest margin | 3.7043% | 1,929 |
| Noninterest income to average assets | 0.3714% | 3,231 |
| Noninterest expense to average assets | 2.4449% | 3,008 |
| Loan and lease loss provision to assets | 0.0995% | 3,077 |
| Net operating income to assets | 1.0655% | 2,090 |
| Return on assets (ROA) | 1.0655% | 2,224 |
| Pretax return on assets | 1.3595% | 1,857 |
| Return on Equity (ROE) | 9.6534% | 2,151 |
| Retained earnings to average equity (ytd only) | 4.2058% | 2,944 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6274% | 2,967 |
| Assets per employee ($millions) | 5.1030% | 3,109 |
| Cash dividends to net income (ytd only)* | 56.4315% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5577% | 1,209 |
| Loan loss allowance to noncurrent loans | 740.2597% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.1257% | 3,797 |
| Noncurrent loans to loans | 0.2104% | 3,541 |
| Net loans and leases to total assets | 58.8265% | 3,338 |
| Net loans and leases to deposits | 66.5306% | 3,569 |
| Net loans and leases to core deposits | 67.6095% | 3,781 |
| Total domestic deposits to total assets | 88.4202% | 1,003 |
| Equity capital to assets | 11.1683% | 2,267 |
| Core capital (leverage) ratio | 10.6840% | 2,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $60,315,750 | 4,528 |
| Average earning assets | $57,516,750 | 4,491 |
| Average equity | $6,657,250 | 4,586 |
| Average total loans | $35,245,000 | 4,431 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2933% | 2,490 |
| Cost of funding earning assets | 0.5069% | 3,488 |
| Net interest margin | 3.7864% | 1,872 |
| Noninterest income to average assets | 0.3499% | 3,382 |
| Noninterest expense to average assets | 2.4230% | 3,192 |
| Loan and lease loss provision to assets | 0.1000% | 3,023 |
| Net operating income to assets | 1.1232% | 1,892 |
| Return on assets (ROA) | 1.1232% | 2,011 |
| Pretax return on assets | 1.4365% | 1,623 |
| Return on Equity (ROE) | 10.2173% | 1,918 |
| Retained earnings to average equity (ytd only) | 6.7913% | 1,745 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1953% | 3,250 |
| Assets per employee ($millions) | 5.1116% | 3,049 |
| Cash dividends to net income (ytd only)* | 33.5312% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5263% | 1,191 |
| Loan loss allowance to noncurrent loans | 669.8795% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.1353% | 3,844 |
| Noncurrent loans to loans | 0.2279% | 3,558 |
| Net loans and leases to total assets | 58.4799% | 3,471 |
| Net loans and leases to deposits | 66.0121% | 3,722 |
| Net loans and leases to core deposits | 67.0674% | 3,918 |
| Total domestic deposits to total assets | 88.5896% | 911 |
| Equity capital to assets | 11.1055% | 2,244 |
| Core capital (leverage) ratio | 10.7993% | 2,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $60,009,000 | 4,541 |
| Average earning assets | $57,205,333 | 4,509 |
| Average equity | $6,596,667 | 4,619 |
| Average total loans | $34,795,667 | 4,460 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1017% | 3,522 |
| Cost of funding earning assets | 0.4967% | 3,962 |
| Net interest margin | 3.6050% | 2,651 |
| Noninterest income to average assets | 0.2696% | 3,922 |
| Noninterest expense to average assets | 2.3389% | 3,685 |
| Loan and lease loss provision to assets | 0.1011% | 2,423 |
| Net operating income to assets | 0.9908% | 2,207 |
| Return on assets (ROA) | 0.9908% | 2,307 |
| Pretax return on assets | 1.2537% | 2,023 |
| Return on Equity (ROE) | 9.0615% | 2,087 |
| Retained earnings to average equity (ytd only) | 5.6095% | 2,029 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3212% | 3,324 |
| Assets per employee ($millions) | 5.5415% | 2,070 |
| Cash dividends to net income (ytd only)* | 38.0952% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6513% | 950 |
| Loan loss allowance to noncurrent loans | 621.8391% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.1427% | 3,934 |
| Noncurrent loans to loans | 0.2655% | 3,544 |
| Net loans and leases to total assets | 52.8602% | 4,067 |
| Net loans and leases to deposits | 59.3527% | 4,225 |
| Net loans and leases to core deposits | 60.3024% | 4,344 |
| Total domestic deposits to total assets | 89.0611% | 632 |
| Equity capital to assets | 10.7190% | 3,118 |
| Core capital (leverage) ratio | 10.6223% | 2,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,344,000 | 4,565 |
| Average earning assets | $56,366,500 | 4,538 |
| Average equity | $6,489,000 | 4,668 |
| Average total loans | $33,980,000 | 4,500 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4992% | 2,947 |
| Cost of funding earning assets | 0.5221% | 3,996 |
| Net interest margin | 3.9771% | 1,919 |
| Noninterest income to average assets | 0.2257% | 4,314 |
| Noninterest expense to average assets | 2.7343% | 2,789 |
| Loan and lease loss provision to assets | 0.3499% | 437 |
| Net operating income to assets | 0.7102% | 3,839 |
| Return on assets (ROA) | 0.7102% | 3,900 |
| Pretax return on assets | 0.8992% | 3,743 |
| Return on Equity (ROE) | 6.3559% | 3,797 |
| Retained earnings to average equity (ytd only) | 1.5029% | 4,203 |
| Net charge-offs to loans | 0.3740% | 535 |
| Credit loss provision to net charge-offs | 145.9854% | 1,756 |
| Earnings coverage of net charge-offs (x) | 5.2117% | 3,119 |
| Efficiency ratio | 68.6430% | 2,363 |
| Assets per employee ($millions) | 5.2483% | 2,287 |
| Cash dividends to net income (ytd only)* | 76.3547% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4944% | 1,248 |
| Loan loss allowance to noncurrent loans | 584.4444% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.1559% | 3,854 |
| Noncurrent loans to loans | 0.2557% | 3,532 |
| Net loans and leases to total assets | 60.0561% | 3,578 |
| Net loans and leases to deposits | 67.7234% | 3,839 |
| Net loans and leases to core deposits | 68.8668% | 4,032 |
| Total domestic deposits to total assets | 88.6785% | 805 |
| Equity capital to assets | 11.1621% | 2,848 |
| Core capital (leverage) ratio | 11.5794% | 2,052 |
| Tier 1 risk-based capital ratio | 15.8331% | 2,466 |
| Total risk-based capital ratio | 17.0828% | 2,408 |
| Memoranda: | ||
| Average total assets | $57,163,200 | 4,629 |
| Average earning assets | $54,009,200 | 4,611 |
| Average equity | $6,387,800 | 4,710 |
| Average total loans | $36,635,600 | 4,485 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5143% | 3,017 |
| Cost of funding earning assets | 0.5120% | 4,090 |
| Net interest margin | 4.0022% | 1,930 |
| Noninterest income to average assets | 0.2619% | 4,175 |
| Noninterest expense to average assets | 2.5463% | 3,307 |
| Loan and lease loss provision to assets | 0.3507% | 389 |
| Net operating income to assets | 0.9026% | 3,335 |
| Return on assets (ROA) | 0.9026% | 3,410 |
| Pretax return on assets | 1.1481% | 3,142 |
| Return on Equity (ROE) | 8.0745% | 3,268 |
| Retained earnings to average equity (ytd only) | 3.6817% | 3,558 |
| Net charge-offs to loans | 0.3424% | 494 |
| Credit loss provision to net charge-offs | 157.8947% | 1,569 |
| Earnings coverage of net charge-offs (x) | 6.7476% | 2,807 |
| Efficiency ratio | 62.9480% | 3,172 |
| Assets per employee ($millions) | 5.0746% | 2,470 |
| Cash dividends to net income (ytd only)* | 54.4040% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3498% | 1,770 |
| Loan loss allowance to noncurrent loans | 98.2922% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 1.3203% | 906 |
| Noncurrent loans to loans | 1.3732% | 1,122 |
| Net loans and leases to total assets | 67.8221% | 2,812 |
| Net loans and leases to deposits | 82.4438% | 2,627 |
| Net loans and leases to core deposits | 83.9986% | 3,091 |
| Total domestic deposits to total assets | 82.2647% | 3,395 |
| Equity capital to assets | 11.6981% | 2,504 |
| Core capital (leverage) ratio | 11.5101% | 2,208 |
| Tier 1 risk-based capital ratio | 14.7098% | 2,987 |
| Total risk-based capital ratio | 15.8954% | 2,935 |
| Memoranda: | ||
| Average total assets | $57,021,250 | 4,702 |
| Average earning assets | $53,901,750 | 4,680 |
| Average equity | $6,373,750 | 4,774 |
| Average total loans | $36,995,250 | 4,534 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4073% | 3,311 |
| Cost of funding earning assets | 0.4979% | 4,123 |
| Net interest margin | 3.9094% | 2,217 |
| Noninterest income to average assets | 0.2368% | 4,340 |
| Noninterest expense to average assets | 2.5531% | 3,322 |
| Loan and lease loss provision to assets | 0.3483% | 372 |
| Net operating income to assets | 0.8255% | 3,561 |
| Return on assets (ROA) | 0.8255% | 3,619 |
| Pretax return on assets | 1.0275% | 3,455 |
| Return on Equity (ROE) | 7.4980% | 3,498 |
| Retained earnings to average equity (ytd only) | 5.9162% | 2,323 |
| Net charge-offs to loans | 0.4598% | 352 |
| Credit loss provision to net charge-offs | 119.0476% | 1,748 |
| Earnings coverage of net charge-offs (x) | 4.7024% | 2,718 |
| Efficiency ratio | 64.9823% | 2,981 |
| Assets per employee ($millions) | 5.0946% | 2,369 |
| Cash dividends to net income (ytd only)* | 21.0970% | 2,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2414% | 2,294 |
| Loan loss allowance to noncurrent loans | 125.3927% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 1.0564% | 1,297 |
| Noncurrent loans to loans | 0.9900% | 1,650 |
| Net loans and leases to total assets | 67.9949% | 2,815 |
| Net loans and leases to deposits | 77.9482% | 3,154 |
| Net loans and leases to core deposits | 79.3127% | 3,479 |
| Total domestic deposits to total assets | 87.2308% | 1,479 |
| Equity capital to assets | 11.6022% | 2,522 |
| Core capital (leverage) ratio | 11.2955% | 2,336 |
| Tier 1 risk-based capital ratio | 15.1818% | 2,759 |
| Total risk-based capital ratio | 16.3114% | 2,735 |
| Memoranda: | ||
| Average total assets | $57,421,330 | 4,733 |
| Average earning assets | $54,228,000 | 4,709 |
| Average equity | $6,321,670 | 4,810 |
| Average total loans | $36,534,670 | 4,579 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2766% | 3,627 |
| Cost of funding earning assets | 0.4906% | 4,102 |
| Net interest margin | 3.7860% | 2,583 |
| Noninterest income to average assets | 0.1996% | 4,564 |
| Noninterest expense to average assets | 2.5055% | 3,492 |
| Loan and lease loss provision to assets | 0.3442% | 350 |
| Net operating income to assets | 0.7365% | 3,816 |
| Return on assets (ROA) | 0.7365% | 3,868 |
| Pretax return on assets | 0.9086% | 3,740 |
| Return on Equity (ROE) | 6.8683% | 3,726 |
| Retained earnings to average equity (ytd only) | 5.2636% | 2,794 |
| Net charge-offs to loans | 0.9462% | 152 |
| Credit loss provision to net charge-offs | 59.5238% | 1,915 |
| Earnings coverage of net charge-offs (x) | 2.1667% | 2,521 |
| Efficiency ratio | 66.6667% | 2,838 |
| Assets per employee ($millions) | 5.4427% | 2,042 |
| Cash dividends to net income (ytd only)* | 23.3645% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2210% | 2,468 |
| Loan loss allowance to noncurrent loans | 66.2037% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 1.4331% | 857 |
| Noncurrent loans to loans | 1.8443% | 830 |
| Net loans and leases to total assets | 57.9706% | 3,896 |
| Net loans and leases to deposits | 64.9469% | 4,129 |
| Net loans and leases to core deposits | 65.9854% | 4,280 |
| Total domestic deposits to total assets | 89.2584% | 739 |
| Equity capital to assets | 10.5579% | 3,298 |
| Core capital (leverage) ratio | 10.6535% | 2,892 |
| Tier 1 risk-based capital ratio | 15.3375% | 2,732 |
| Total risk-based capital ratio | 16.3765% | 2,740 |
| Memoranda: | ||
| Average total assets | $58,111,500 | 4,773 |
| Average earning assets | $54,623,000 | 4,756 |
| Average equity | $6,231,500 | 4,857 |
| Average total loans | $35,510,000 | 4,651 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2935% | 3,139 |
| Cost of funding earning assets | 0.4929% | 3,402 |
| Net interest margin | 3.8005% | 2,652 |
| Noninterest income to average assets | 0.3009% | 4,096 |
| Noninterest expense to average assets | 2.7238% | 2,949 |
| Loan and lease loss provision to assets | 0.4513% | 283 |
| Net operating income to assets | 0.5748% | 4,489 |
| Return on assets (ROA) | 0.5748% | 4,492 |
| Pretax return on assets | 0.7432% | 4,304 |
| Return on Equity (ROE) | 5.2699% | 4,394 |
| Retained earnings to average equity (ytd only) | 3.3819% | 3,726 |
| Net charge-offs to loans | 0.8197% | 183 |
| Credit loss provision to net charge-offs | 86.0068% | 2,770 |
| Earnings coverage of net charge-offs (x) | 2.2765% | 3,539 |
| Efficiency ratio | 69.5155% | 2,281 |
| Assets per employee ($millions) | 5.1230% | 2,357 |
| Cash dividends to net income (ytd only)* | 35.8255% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2903% | 2,096 |
| Loan loss allowance to noncurrent loans | 49.1507% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 1.6716% | 649 |
| Noncurrent loans to loans | 2.6251% | 447 |
| Net loans and leases to total assets | 62.8556% | 3,480 |
| Net loans and leases to deposits | 70.6611% | 3,774 |
| Net loans and leases to core deposits | 71.8595% | 3,996 |
| Total domestic deposits to total assets | 88.9536% | 881 |
| Equity capital to assets | 10.8992% | 2,792 |
| Core capital (leverage) ratio | 11.5719% | 2,044 |
| Tier 1 risk-based capital ratio | 15.2679% | 2,715 |
| Total risk-based capital ratio | 16.3988% | 2,691 |
| Memoranda: | ||
| Average total assets | $55,841,600 | 4,837 |
| Average earning assets | $53,150,600 | 4,800 |
| Average equity | $6,091,200 | 4,881 |
| Average total loans | $35,744,000 | 4,668 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2679% | 3,079 |
| Cost of funding earning assets | 0.4984% | 3,212 |
| Net interest margin | 3.7695% | 2,754 |
| Noninterest income to average assets | 0.3135% | 4,054 |
| Noninterest expense to average assets | 2.5008% | 3,598 |
| Loan and lease loss provision to assets | 0.3877% | 328 |
| Net operating income to assets | 0.7945% | 3,924 |
| Return on assets (ROA) | 0.7945% | 3,933 |
| Pretax return on assets | 1.0267% | 3,643 |
| Return on Equity (ROE) | 7.2824% | 3,826 |
| Retained earnings to average equity (ytd only) | 6.9534% | 2,149 |
| Net charge-offs to loans | 0.9297% | 151 |
| Credit loss provision to net charge-offs | 65.0602% | 2,685 |
| Earnings coverage of net charge-offs (x) | 2.3735% | 3,246 |
| Efficiency ratio | 63.8753% | 3,206 |
| Assets per employee ($millions) | 4.8797% | 2,618 |
| Cash dividends to net income (ytd only)* | 4.5181% | 3,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1067% | 3,150 |
| Loan loss allowance to noncurrent loans | 35.0126% | 4,666 |
| Noncurrent assets plus other real estate owned to assets | 2.2188% | 439 |
| Noncurrent loans to loans | 3.1608% | 332 |
| Net loans and leases to total assets | 69.4208% | 2,736 |
| Net loans and leases to deposits | 80.7432% | 2,954 |
| Net loans and leases to core deposits | 82.2329% | 3,309 |
| Total domestic deposits to total assets | 85.9772% | 2,207 |
| Equity capital to assets | 11.5021% | 2,260 |
| Core capital (leverage) ratio | 11.6713% | 2,025 |
| Tier 1 risk-based capital ratio | 15.3534% | 2,719 |
| Total risk-based capital ratio | 16.3598% | 2,758 |
| Memoranda: | ||
| Average total assets | $55,713,750 | 4,895 |
| Average earning assets | $53,233,500 | 4,853 |
| Average equity | $6,078,500 | 4,935 |
| Average total loans | $35,709,000 | 4,717 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1609% | 3,237 |
| Cost of funding earning assets | 0.4755% | 3,192 |
| Net interest margin | 3.6854% | 2,989 |
| Noninterest income to average assets | 0.3156% | 4,064 |
| Noninterest expense to average assets | 2.4294% | 3,826 |
| Loan and lease loss provision to assets | 0.4327% | 270 |
| Net operating income to assets | 0.7448% | 4,051 |
| Return on assets (ROA) | 0.7448% | 4,054 |
| Pretax return on assets | 0.9718% | 3,745 |
| Return on Equity (ROE) | 6.9460% | 3,922 |
| Retained earnings to average equity (ytd only) | 6.6152% | 2,254 |
| Net charge-offs to loans | 0.6847% | 212 |
| Credit loss provision to net charge-offs | 101.6667% | 1,994 |
| Earnings coverage of net charge-offs (x) | 3.3000% | 2,888 |
| Efficiency ratio | 63.3673% | 3,404 |
| Assets per employee ($millions) | 4.6085% | 2,952 |
| Cash dividends to net income (ytd only)* | 4.7619% | 3,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3965% | 1,761 |
| Loan loss allowance to noncurrent loans | 37.0425% | 4,641 |
| Noncurrent assets plus other real estate owned to assets | 2.4701% | 357 |
| Noncurrent loans to loans | 3.7700% | 246 |
| Net loans and leases to total assets | 64.6035% | 3,330 |
| Net loans and leases to deposits | 72.7786% | 3,650 |
| Net loans and leases to core deposits | 73.2801% | 3,925 |
| Total domestic deposits to total assets | 88.7671% | 1,031 |
| Equity capital to assets | 11.0141% | 2,629 |
| Core capital (leverage) ratio | 11.1693% | 2,369 |
| Tier 1 risk-based capital ratio | 15.6092% | 2,581 |
| Total risk-based capital ratio | 16.8592% | 2,532 |
| Memoranda: | ||
| Average total assets | $56,392,670 | 4,935 |
| Average earning assets | $53,834,670 | 4,899 |
| Average equity | $6,046,670 | 4,996 |
| Average total loans | $35,052,000 | 4,781 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1777% | 2,956 |
| Cost of funding earning assets | 0.4699% | 3,043 |
| Net interest margin | 3.7078% | 2,767 |
| Noninterest income to average assets | 0.3442% | 3,849 |
| Noninterest expense to average assets | 2.3253% | 4,129 |
| Loan and lease loss provision to assets | 0.2810% | 481 |
| Net operating income to assets | 0.9765% | 2,954 |
| Return on assets (ROA) | 0.9765% | 2,982 |
| Pretax return on assets | 1.2856% | 2,424 |
| Return on Equity (ROE) | 9.2290% | 2,797 |
| Retained earnings to average equity (ytd only) | 8.8970% | 1,497 |
| Net charge-offs to loans | 0.0813% | 1,322 |
| Credit loss provision to net charge-offs | 571.4286% | 536 |
| Earnings coverage of net charge-offs (x) | 31.8571% | 1,205 |
| Efficiency ratio | 59.7473% | 4,095 |
| Assets per employee ($millions) | 5.2329% | 2,217 |
| Cash dividends to net income (ytd only)* | 3.5971% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6135% | 1,126 |
| Loan loss allowance to noncurrent loans | 44.8997% | 4,537 |
| Noncurrent assets plus other real estate owned to assets | 2.0778% | 532 |
| Noncurrent loans to loans | 3.5935% | 287 |
| Net loans and leases to total assets | 56.8865% | 4,035 |
| Net loans and leases to deposits | 63.7310% | 4,224 |
| Net loans and leases to core deposits | 64.1505% | 4,416 |
| Total domestic deposits to total assets | 89.2603% | 980 |
| Equity capital to assets | 10.5121% | 3,065 |
| Core capital (leverage) ratio | 10.6454% | 2,800 |
| Tier 1 risk-based capital ratio | 15.9442% | 2,504 |
| Total risk-based capital ratio | 17.1956% | 2,440 |
| Memoranda: | ||
| Average total assets | $56,938,000 | 4,980 |
| Average earning assets | $54,480,000 | 4,947 |
| Average equity | $6,024,500 | 5,053 |
| Average total loans | $34,461,500 | 4,844 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3142% | 2,275 |
| Cost of funding earning assets | 0.4779% | 2,521 |
| Net interest margin | 3.8364% | 2,301 |
| Noninterest income to average assets | 0.3368% | 4,060 |
| Noninterest expense to average assets | 2.5800% | 3,509 |
| Loan and lease loss provision to assets | 0.0537% | 3,160 |
| Net operating income to assets | 0.8295% | 3,038 |
| Return on assets (ROA) | 0.8295% | 3,073 |
| Pretax return on assets | 1.3276% | 2,259 |
| Return on Equity (ROE) | 7.8825% | 2,851 |
| Retained earnings to average equity (ytd only) | 6.9461% | 1,101 |
| Net charge-offs to loans | 0.1559% | 1,558 |
| Credit loss provision to net charge-offs | 51.7241% | 3,308 |
| Earnings coverage of net charge-offs (x) | 13.2931% | 2,408 |
| Efficiency ratio | 65.1289% | 3,419 |
| Assets per employee ($millions) | 5.1195% | 2,338 |
| Cash dividends to net income (ytd only)* | 11.8790% | 3,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4141% | 1,708 |
| Loan loss allowance to noncurrent loans | 136.9565% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 0.6535% | 2,365 |
| Noncurrent loans to loans | 1.0325% | 1,722 |
| Net loans and leases to total assets | 62.3948% | 3,568 |
| Net loans and leases to deposits | 69.9480% | 3,880 |
| Net loans and leases to core deposits | 70.4120% | 4,145 |
| Total domestic deposits to total assets | 89.2016% | 906 |
| Equity capital to assets | 10.6510% | 2,991 |
| Core capital (leverage) ratio | 11.1762% | 2,173 |
| Tier 1 risk-based capital ratio | 14.6987% | 2,991 |
| Total risk-based capital ratio | 15.9242% | 2,933 |
| Memoranda: | ||
| Average total assets | $55,815,000 | 5,048 |
| Average earning assets | $52,732,400 | 5,019 |
| Average equity | $5,873,800 | 5,119 |
| Average total loans | $37,199,800 | 4,814 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2737% | 2,341 |
| Cost of funding earning assets | 0.4664% | 2,556 |
| Net interest margin | 3.8073% | 2,371 |
| Noninterest income to average assets | 0.3472% | 4,054 |
| Noninterest expense to average assets | 2.2960% | 4,309 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0678% | 2,244 |
| Return on assets (ROA) | 1.0678% | 2,288 |
| Pretax return on assets | 1.6280% | 1,320 |
| Return on Equity (ROE) | 10.1776% | 2,049 |
| Retained earnings to average equity (ytd only) | 9.8353% | 621 |
| Net charge-offs to loans | -0.0071% | 4,540 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5113% | 4,429 |
| Assets per employee ($millions) | 5.4313% | 1,990 |
| Cash dividends to net income (ytd only)* | 3.3633% | 3,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3272% | 2,222 |
| Loan loss allowance to noncurrent loans | 108.3164% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 0.9077% | 1,879 |
| Noncurrent loans to loans | 1.2253% | 1,552 |
| Net loans and leases to total assets | 73.0948% | 2,079 |
| Net loans and leases to deposits | 88.1184% | 2,041 |
| Net loans and leases to core deposits | 89.3199% | 2,670 |
| Total domestic deposits to total assets | 82.9507% | 3,469 |
| Equity capital to assets | 11.2073% | 2,662 |
| Core capital (leverage) ratio | 11.0091% | 2,450 |
| Tier 1 risk-based capital ratio | 13.8381% | 3,515 |
| Total risk-based capital ratio | 15.0559% | 3,459 |
| Memoranda: | ||
| Average total assets | $55,690,250 | 5,109 |
| Average earning assets | $52,318,750 | 5,081 |
| Average equity | $5,842,750 | 5,181 |
| Average total loans | $37,589,500 | 4,853 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2832% | 2,188 |
| Cost of funding earning assets | 0.4497% | 2,607 |
| Net interest margin | 3.8335% | 2,161 |
| Noninterest income to average assets | 0.2600% | 4,673 |
| Noninterest expense to average assets | 2.2832% | 4,390 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0258% | 2,309 |
| Return on assets (ROA) | 1.0258% | 2,351 |
| Pretax return on assets | 1.5601% | 1,460 |
| Return on Equity (ROE) | 9.9977% | 2,037 |
| Retained earnings to average equity (ytd only) | 9.6505% | 659 |
| Net charge-offs to loans | 0.1362% | 1,342 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 17.5200% | 1,919 |
| Efficiency ratio | 59.4069% | 4,407 |
| Assets per employee ($millions) | 5.5871% | 1,797 |
| Cash dividends to net income (ytd only)* | 3.4722% | 3,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3012% | 2,407 |
| Loan loss allowance to noncurrent loans | 41.5574% | 4,764 |
| Noncurrent assets plus other real estate owned to assets | 2.1836% | 549 |
| Noncurrent loans to loans | 3.1310% | 400 |
| Net loans and leases to total assets | 68.8336% | 2,688 |
| Net loans and leases to deposits | 77.2823% | 3,189 |
| Net loans and leases to core deposits | 78.2350% | 3,576 |
| Total domestic deposits to total assets | 89.0677% | 923 |
| Equity capital to assets | 10.6245% | 3,201 |
| Core capital (leverage) ratio | 10.6628% | 2,749 |
| Tier 1 risk-based capital ratio | 13.5755% | 3,658 |
| Total risk-based capital ratio | 14.7392% | 3,619 |
| Memoranda: | ||
| Average total assets | $56,149,330 | 5,132 |
| Average earning assets | $52,484,330 | 5,112 |
| Average equity | $5,761,330 | 5,227 |
| Average total loans | $36,708,000 | 4,910 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0812% | 2,720 |
| Cost of funding earning assets | 0.4501% | 2,524 |
| Net interest margin | 3.6312% | 2,773 |
| Noninterest income to average assets | 0.2274% | 4,912 |
| Noninterest expense to average assets | 2.3308% | 4,318 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8527% | 2,980 |
| Return on assets (ROA) | 0.8527% | 3,023 |
| Pretax return on assets | 1.2791% | 2,312 |
| Return on Equity (ROE) | 8.4596% | 2,692 |
| Retained earnings to average equity (ytd only) | 8.1072% | 1,412 |
| Net charge-offs to loans | 0.2811% | 642 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 7.2000% | 2,157 |
| Efficiency ratio | 64.5669% | 3,734 |
| Assets per employee ($millions) | 5.6874% | 1,737 |
| Cash dividends to net income (ytd only)* | 4.1667% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3917% | 2,108 |
| Loan loss allowance to noncurrent loans | 66.4482% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 1.3416% | 1,257 |
| Noncurrent loans to loans | 2.0944% | 836 |
| Net loans and leases to total assets | 63.1642% | 3,380 |
| Net loans and leases to deposits | 70.4641% | 3,749 |
| Net loans and leases to core deposits | 71.3117% | 4,048 |
| Total domestic deposits to total assets | 89.6403% | 833 |
| Equity capital to assets | 10.0960% | 3,633 |
| Core capital (leverage) ratio | 10.2004% | 3,240 |
| Tier 1 risk-based capital ratio | 13.6832% | 3,669 |
| Total risk-based capital ratio | 14.8893% | 3,599 |
| Memoranda: | ||
| Average total assets | $56,288,500 | 5,186 |
| Average earning assets | $52,435,000 | 5,171 |
| Average equity | $5,674,000 | 5,291 |
| Average total loans | $35,579,500 | 4,980 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6057% | 1,272 |
| Cost of funding earning assets | 0.4502% | 2,533 |
| Net interest margin | 4.1555% | 1,225 |
| Noninterest income to average assets | 0.3590% | 4,170 |
| Noninterest expense to average assets | 2.7527% | 3,182 |
| Loan and lease loss provision to assets | 0.1075% | 2,253 |
| Net operating income to assets | 0.9310% | 2,675 |
| Return on assets (ROA) | 0.9310% | 2,786 |
| Pretax return on assets | 1.4148% | 1,881 |
| Return on Equity (ROE) | 8.8009% | 2,515 |
| Retained earnings to average equity (ytd only) | 8.0751% | 835 |
| Net charge-offs to loans | 0.0867% | 2,458 |
| Credit loss provision to net charge-offs | 175.0000% | 1,589 |
| Earnings coverage of net charge-offs (x) | 24.7813% | 1,618 |
| Efficiency ratio | 64.3916% | 3,869 |
| Assets per employee ($millions) | 5.0639% | 2,321 |
| Cash dividends to net income (ytd only)* | 8.2474% | 4,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5319% | 1,561 |
| Loan loss allowance to noncurrent loans | 125.4717% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 0.7612% | 2,451 |
| Noncurrent loans to loans | 1.2209% | 1,683 |
| Net loans and leases to total assets | 61.3899% | 3,671 |
| Net loans and leases to deposits | 68.3606% | 4,058 |
| Net loans and leases to core deposits | 69.1905% | 4,309 |
| Total domestic deposits to total assets | 89.8031% | 722 |
| Equity capital to assets | 10.0641% | 3,656 |
| Core capital (leverage) ratio | 10.7320% | 2,619 |
| Tier 1 risk-based capital ratio | 14.1783% | 3,361 |
| Total risk-based capital ratio | 15.4283% | 3,289 |
| Memoranda: | ||
| Average total assets | $52,093,800 | 5,305 |
| Average earning assets | $49,091,200 | 5,267 |
| Average equity | $5,510,800 | 5,367 |
| Average total loans | $36,900,600 | 4,988 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7144% | 1,037 |
| Cost of funding earning assets | 0.4520% | 2,541 |
| Net interest margin | 4.2624% | 1,001 |
| Noninterest income to average assets | 0.3516% | 4,273 |
| Noninterest expense to average assets | 2.5160% | 3,937 |
| Loan and lease loss provision to assets | 0.0130% | 3,990 |
| Net operating income to assets | 1.2293% | 1,521 |
| Return on assets (ROA) | 1.2293% | 1,623 |
| Pretax return on assets | 1.8753% | 750 |
| Return on Equity (ROE) | 11.4693% | 1,500 |
| Retained earnings to average equity (ytd only) | 11.1048% | 414 |
| Net charge-offs to loans | 0.0320% | 3,008 |
| Credit loss provision to net charge-offs | 55.5556% | 2,965 |
| Earnings coverage of net charge-offs (x) | 80.5533% | 778 |
| Efficiency ratio | 57.1260% | 4,940 |
| Assets per employee ($millions) | 4.6735% | 2,795 |
| Cash dividends to net income (ytd only)* | 3.1780% | 3,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3225% | 2,565 |
| Loan loss allowance to noncurrent loans | 77.7778% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 1.2605% | 1,547 |
| Noncurrent loans to loans | 1.7003% | 1,233 |
| Net loans and leases to total assets | 73.1520% | 2,003 |
| Net loans and leases to deposits | 82.6360% | 2,648 |
| Net loans and leases to core deposits | 83.8446% | 3,138 |
| Total domestic deposits to total assets | 88.5232% | 1,146 |
| Equity capital to assets | 11.1422% | 2,872 |
| Core capital (leverage) ratio | 11.1161% | 2,342 |
| Tier 1 risk-based capital ratio | 13.7228% | 3,726 |
| Total risk-based capital ratio | 14.9472% | 3,663 |
| Memoranda: | ||
| Average total assets | $51,191,500 | 5,373 |
| Average earning assets | $48,672,500 | 5,326 |
| Average equity | $5,487,000 | 5,424 |
| Average total loans | $37,443,750 | 5,011 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6977% | 1,051 |
| Cost of funding earning assets | 0.4398% | 2,658 |
| Net interest margin | 4.2580% | 1,002 |
| Noninterest income to average assets | 0.3991% | 3,875 |
| Noninterest expense to average assets | 2.5313% | 3,941 |
| Loan and lease loss provision to assets | 0.0078% | 3,918 |
| Net operating income to assets | 1.2246% | 1,519 |
| Return on assets (ROA) | 1.2246% | 1,614 |
| Pretax return on assets | 1.9132% | 676 |
| Return on Equity (ROE) | 11.5783% | 1,455 |
| Retained earnings to average equity (ytd only) | 11.2084% | 413 |
| Net charge-offs to loans | 0.0054% | 3,512 |
| Credit loss provision to net charge-offs | 200.0000% | 1,298 |
| Earnings coverage of net charge-offs (x) | 491.0000% | 139 |
| Efficiency ratio | 56.8541% | 5,046 |
| Assets per employee ($millions) | 5.2156% | 2,075 |
| Cash dividends to net income (ytd only)* | 3.1949% | 3,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3670% | 2,458 |
| Loan loss allowance to noncurrent loans | 273.6559% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.3566% | 4,060 |
| Noncurrent loans to loans | 0.4995% | 3,583 |
| Net loans and leases to total assets | 70.4138% | 2,416 |
| Net loans and leases to deposits | 79.0993% | 3,041 |
| Net loans and leases to core deposits | 80.2311% | 3,439 |
| Total domestic deposits to total assets | 89.0195% | 912 |
| Equity capital to assets | 10.6929% | 3,409 |
| Core capital (leverage) ratio | 10.4595% | 3,015 |
| Tier 1 risk-based capital ratio | 13.5864% | 3,847 |
| Total risk-based capital ratio | 14.8374% | 3,767 |
| Memoranda: | ||
| Average total assets | $51,119,330 | 5,437 |
| Average earning assets | $48,661,670 | 5,388 |
| Average equity | $5,406,670 | 5,495 |
| Average total loans | $37,221,670 | 5,068 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6987% | 1,054 |
| Cost of funding earning assets | 0.4325% | 2,748 |
| Net interest margin | 4.2663% | 976 |
| Noninterest income to average assets | 0.3794% | 3,993 |
| Noninterest expense to average assets | 2.4822% | 4,124 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4229% | 1,000 |
| Return on assets (ROA) | 1.4229% | 1,047 |
| Pretax return on assets | 1.9525% | 621 |
| Return on Equity (ROE) | 13.5300% | 924 |
| Retained earnings to average equity (ytd only) | 13.1542% | 375 |
| Net charge-offs to loans | 0.0107% | 2,762 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 247.0000% | 249 |
| Efficiency ratio | 55.9715% | 5,192 |
| Assets per employee ($millions) | 5.6201% | 1,726 |
| Cash dividends to net income (ytd only)* | 2.7778% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3423% | 2,699 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 73.6739% | 1,782 |
| Net loans and leases to deposits | 83.3613% | 2,383 |
| Net loans and leases to core deposits | 84.6009% | 2,883 |
| Total domestic deposits to total assets | 88.3790% | 1,418 |
| Equity capital to assets | 10.7234% | 3,227 |
| Core capital (leverage) ratio | 10.5033% | 2,960 |
| Tier 1 risk-based capital ratio | 13.1393% | 4,171 |
| Total risk-based capital ratio | 14.3805% | 4,096 |
| Memoranda: | ||
| Average total assets | $50,601,000 | 5,495 |
| Average earning assets | $48,098,000 | 5,445 |
| Average equity | $5,321,500 | 5,551 |
| Average total loans | $37,215,500 | 5,106 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5194% | 1,535 |
| Cost of funding earning assets | 0.4432% | 2,701 |
| Net interest margin | 4.0762% | 1,471 |
| Noninterest income to average assets | 0.3743% | 4,229 |
| Noninterest expense to average assets | 2.7375% | 3,455 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9621% | 2,567 |
| Return on assets (ROA) | 0.9621% | 2,642 |
| Pretax return on assets | 1.4755% | 1,635 |
| Return on Equity (ROE) | 9.7844% | 2,089 |
| Retained earnings to average equity (ytd only) | 9.1866% | 612 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9767% | 4,090 |
| Assets per employee ($millions) | 5.0621% | 2,290 |
| Cash dividends to net income (ytd only)* | 6.1100% | 4,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3857% | 2,495 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 71.4150% | 2,145 |
| Net loans and leases to deposits | 79.7613% | 2,845 |
| Net loans and leases to core deposits | 80.9200% | 3,249 |
| Total domestic deposits to total assets | 89.5360% | 834 |
| Equity capital to assets | 10.3100% | 3,611 |
| Core capital (leverage) ratio | 10.1599% | 3,306 |
| Tier 1 risk-based capital ratio | 12.9315% | 4,370 |
| Total risk-based capital ratio | 14.1818% | 4,264 |
| Memoranda: | ||
| Average total assets | $51,032,200 | 5,523 |
| Average earning assets | $48,059,000 | 5,479 |
| Average equity | $5,018,200 | 5,650 |
| Average total loans | $34,590,200 | 5,203 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4388% | 1,785 |
| Cost of funding earning assets | 0.4408% | 2,788 |
| Net interest margin | 3.9979% | 1,712 |
| Noninterest income to average assets | 0.3781% | 4,226 |
| Noninterest expense to average assets | 2.4875% | 4,233 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0769% | 2,109 |
| Return on assets (ROA) | 1.0769% | 2,192 |
| Pretax return on assets | 1.6505% | 1,241 |
| Return on Equity (ROE) | 11.0839% | 1,678 |
| Retained earnings to average equity (ytd only) | 10.6814% | 526 |
| Net charge-offs to loans | 0.0039% | 4,047 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 634.5714% | 117 |
| Efficiency ratio | 60.1134% | 4,874 |
| Assets per employee ($millions) | 5.1510% | 2,111 |
| Cash dividends to net income (ytd only)* | 3.6321% | 3,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3677% | 2,748 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 70.9804% | 2,236 |
| Net loans and leases to deposits | 82.1452% | 2,633 |
| Net loans and leases to core deposits | 83.3683% | 3,116 |
| Total domestic deposits to total assets | 86.4085% | 2,324 |
| Equity capital to assets | 10.0738% | 4,073 |
| Core capital (leverage) ratio | 9.8443% | 3,842 |
| Tier 1 risk-based capital ratio | 12.6430% | 4,654 |
| Total risk-based capital ratio | 13.8927% | 4,561 |
| Memoranda: | ||
| Average total assets | $51,135,000 | 5,591 |
| Average earning assets | $48,090,250 | 5,547 |
| Average equity | $4,968,000 | 5,735 |
| Average total loans | $34,073,000 | 5,279 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2463% | 2,366 |
| Cost of funding earning assets | 0.4322% | 2,918 |
| Net interest margin | 3.8141% | 2,256 |
| Noninterest income to average assets | 0.3568% | 4,407 |
| Noninterest expense to average assets | 2.4936% | 4,260 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9371% | 2,705 |
| Return on assets (ROA) | 0.9371% | 2,821 |
| Pretax return on assets | 1.4272% | 1,878 |
| Return on Equity (ROE) | 9.7664% | 2,175 |
| Retained earnings to average equity (ytd only) | 9.3578% | 815 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6000% | 4,412 |
| Assets per employee ($millions) | 5.6592% | 1,609 |
| Cash dividends to net income (ytd only)* | 4.1841% | 3,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4246% | 2,642 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 69.0142% | 2,481 |
| Net loans and leases to deposits | 79.8959% | 2,803 |
| Net loans and leases to core deposits | 81.0996% | 3,272 |
| Total domestic deposits to total assets | 86.3801% | 2,496 |
| Equity capital to assets | 9.8070% | 4,270 |
| Core capital (leverage) ratio | 9.7607% | 3,925 |
| Tier 1 risk-based capital ratio | 12.6595% | 4,708 |
| Total risk-based capital ratio | 13.9102% | 4,633 |
| Memoranda: | ||
| Average total assets | $51,010,000 | 5,652 |
| Average earning assets | $47,664,670 | 5,615 |
| Average equity | $4,894,330 | 5,802 |
| Average total loans | $33,074,330 | 5,367 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1008% | 2,825 |
| Cost of funding earning assets | 0.4312% | 2,965 |
| Net interest margin | 3.6696% | 2,737 |
| Noninterest income to average assets | 0.3134% | 4,684 |
| Noninterest expense to average assets | 2.4996% | 4,266 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8149% | 3,186 |
| Return on assets (ROA) | 0.8149% | 3,313 |
| Pretax return on assets | 1.2145% | 2,611 |
| Return on Equity (ROE) | 8.5879% | 2,650 |
| Retained earnings to average equity (ytd only) | 8.1751% | 1,502 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2996% | 3,935 |
| Assets per employee ($millions) | 5.7144% | 1,615 |
| Cash dividends to net income (ytd only)* | 4.8077% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6122% | 2,008 |
| Loan loss allowance to noncurrent loans | 109.9567% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 0.8983% | 2,841 |
| Noncurrent loans to loans | 1.4662% | 1,935 |
| Net loans and leases to total assets | 60.2800% | 3,614 |
| Net loans and leases to deposits | 66.8579% | 4,066 |
| Net loans and leases to core deposits | 67.8143% | 4,344 |
| Total domestic deposits to total assets | 90.1614% | 671 |
| Equity capital to assets | 9.5353% | 4,707 |
| Core capital (leverage) ratio | 9.4881% | 4,295 |
| Tier 1 risk-based capital ratio | 13.4901% | 4,325 |
| Total risk-based capital ratio | 14.7414% | 4,246 |
| Memoranda: | ||
| Average total assets | $51,048,500 | 5,700 |
| Average earning assets | $47,307,500 | 5,674 |
| Average equity | $4,844,000 | 5,872 |
| Average total loans | $31,782,000 | 5,445 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4800% | 1,955 |
| Cost of funding earning assets | 0.4613% | 3,061 |
| Net interest margin | 4.0187% | 1,843 |
| Noninterest income to average assets | 0.2905% | 5,041 |
| Noninterest expense to average assets | 2.5439% | 4,412 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9677% | 2,539 |
| Return on assets (ROA) | 0.9677% | 2,627 |
| Pretax return on assets | 1.4918% | 1,575 |
| Return on Equity (ROE) | 10.7717% | 1,798 |
| Retained earnings to average equity (ytd only) | 10.1162% | 496 |
| Net charge-offs to loans | -0.0687% | 6,018 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0350% | 4,750 |
| Assets per employee ($millions) | 5.6297% | 1,668 |
| Cash dividends to net income (ytd only)* | 6.0852% | 4,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5848% | 2,145 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 62.2614% | 3,465 |
| Net loans and leases to deposits | 68.9304% | 4,037 |
| Net loans and leases to core deposits | 69.9189% | 4,335 |
| Total domestic deposits to total assets | 90.3251% | 604 |
| Equity capital to assets | 9.4420% | 4,787 |
| Core capital (leverage) ratio | 9.5400% | 4,189 |
| Tier 1 risk-based capital ratio | 13.0572% | 4,689 |
| Total risk-based capital ratio | 14.3102% | 4,604 |
| Memoranda: | ||
| Average total assets | $50,944,600 | 5,767 |
| Average earning assets | $47,478,000 | 5,736 |
| Average equity | $4,576,800 | 5,968 |
| Average total loans | $32,024,400 | 5,485 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3966% | 2,237 |
| Cost of funding earning assets | 0.4619% | 3,133 |
| Net interest margin | 3.9347% | 2,093 |
| Noninterest income to average assets | 0.2953% | 5,088 |
| Noninterest expense to average assets | 2.2216% | 5,310 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1735% | 1,778 |
| Return on assets (ROA) | 1.1735% | 1,854 |
| Pretax return on assets | 1.7694% | 943 |
| Return on Equity (ROE) | 13.2298% | 1,164 |
| Retained earnings to average equity (ytd only) | 12.7878% | 348 |
| Net charge-offs to loans | -0.0042% | 5,271 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6647% | 5,687 |
| Assets per employee ($millions) | 5.6693% | 1,582 |
| Cash dividends to net income (ytd only)* | 3.3409% | 3,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4042% | 3,151 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 67.0175% | 2,684 |
| Net loans and leases to deposits | 80.5479% | 2,609 |
| Net loans and leases to core deposits | 81.7261% | 3,124 |
| Total domestic deposits to total assets | 83.2020% | 4,064 |
| Equity capital to assets | 9.3191% | 5,018 |
| Core capital (leverage) ratio | 9.2059% | 4,782 |
| Tier 1 risk-based capital ratio | 12.2534% | 5,327 |
| Total risk-based capital ratio | 13.5043% | 5,248 |
| Memoranda: | ||
| Average total assets | $51,014,000 | 5,829 |
| Average earning assets | $47,914,500 | 5,790 |
| Average equity | $4,525,000 | 6,046 |
| Average total loans | $32,017,000 | 5,541 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3278% | 2,490 |
| Cost of funding earning assets | 0.4567% | 3,246 |
| Net interest margin | 3.8712% | 2,294 |
| Noninterest income to average assets | 0.2823% | 5,165 |
| Noninterest expense to average assets | 2.2113% | 5,386 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1057% | 1,922 |
| Return on assets (ROA) | 1.1057% | 1,989 |
| Pretax return on assets | 1.6938% | 1,032 |
| Return on Equity (ROE) | 12.6789% | 1,265 |
| Retained earnings to average equity (ytd only) | 12.2293% | 398 |
| Net charge-offs to loans | -0.0064% | 5,219 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6265% | 5,688 |
| Assets per employee ($millions) | 5.8221% | 1,403 |
| Cash dividends to net income (ytd only)* | 3.5461% | 3,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4902% | 2,952 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 61.4382% | 3,496 |
| Net loans and leases to deposits | 67.6252% | 4,092 |
| Net loans and leases to core deposits | 68.5059% | 4,413 |
| Total domestic deposits to total assets | 90.8510% | 453 |
| Equity capital to assets | 8.8017% | 5,520 |
| Core capital (leverage) ratio | 8.9374% | 5,106 |
| Tier 1 risk-based capital ratio | 12.3266% | 5,347 |
| Total risk-based capital ratio | 13.5782% | 5,265 |
| Memoranda: | ||
| Average total assets | $51,010,670 | 5,875 |
| Average earning assets | $47,737,330 | 5,842 |
| Average equity | $4,448,330 | 6,110 |
| Average total loans | $31,128,670 | 5,624 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3930% | 2,163 |
| Cost of funding earning assets | 0.4571% | 3,349 |
| Net interest margin | 3.9359% | 1,965 |
| Noninterest income to average assets | 0.2385% | 5,453 |
| Noninterest expense to average assets | 2.2657% | 5,290 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0971% | 1,827 |
| Return on assets (ROA) | 1.0971% | 1,892 |
| Pretax return on assets | 1.6694% | 1,032 |
| Return on Equity (ROE) | 12.6417% | 1,249 |
| Retained earnings to average equity (ytd only) | 12.1837% | 584 |
| Net charge-offs to loans | -0.0132% | 5,149 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5758% | 5,694 |
| Assets per employee ($millions) | 6.5046% | 1,019 |
| Cash dividends to net income (ytd only)* | 3.6232% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5937% | 2,731 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 57.7877% | 3,877 |
| Net loans and leases to deposits | 63.3914% | 4,389 |
| Net loans and leases to core deposits | 64.2200% | 4,674 |
| Total domestic deposits to total assets | 91.1601% | 506 |
| Equity capital to assets | 8.5305% | 5,622 |
| Core capital (leverage) ratio | 8.6360% | 5,483 |
| Tier 1 risk-based capital ratio | 12.3773% | 5,386 |
| Total risk-based capital ratio | 13.6288% | 5,327 |
| Memoranda: | ||
| Average total assets | $50,316,500 | 5,955 |
| Average earning assets | $47,257,500 | 5,910 |
| Average equity | $4,366,500 | 6,167 |
| Average total loans | $30,353,000 | 5,702 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1842% | 3,400 |
| Cost of funding earning assets | 0.4899% | 3,711 |
| Net interest margin | 3.6942% | 3,075 |
| Noninterest income to average assets | 0.2757% | 5,384 |
| Noninterest expense to average assets | 2.6187% | 4,394 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7735% | 3,428 |
| Return on assets (ROA) | 0.7735% | 3,522 |
| Pretax return on assets | 1.1314% | 2,846 |
| Return on Equity (ROE) | 8.9256% | 2,576 |
| Retained earnings to average equity (ytd only) | 8.2135% | 985 |
| Net charge-offs to loans | -0.0189% | 6,128 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8300% | 3,864 |
| Assets per employee ($millions) | 5.3996% | 1,753 |
| Cash dividends to net income (ytd only)* | 7.9787% | 4,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6120% | 2,710 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 61.0379% | 3,531 |
| Net loans and leases to deposits | 68.4971% | 3,974 |
| Net loans and leases to core deposits | 69.4693% | 4,348 |
| Total domestic deposits to total assets | 89.1102% | 1,546 |
| Equity capital to assets | 8.8361% | 5,216 |
| Core capital (leverage) ratio | 8.7090% | 5,406 |
| Tier 1 risk-based capital ratio | 12.5029% | 5,289 |
| Total risk-based capital ratio | 13.7535% | 5,242 |
| Memoranda: | ||
| Average total assets | $48,611,800 | 6,051 |
| Average earning assets | $45,719,800 | 6,001 |
| Average equity | $4,212,600 | 6,281 |
| Average total loans | $26,505,000 | 5,911 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0505% | 3,937 |
| Cost of funding earning assets | 0.4935% | 3,837 |
| Net interest margin | 3.5570% | 3,625 |
| Noninterest income to average assets | 0.2825% | 5,427 |
| Noninterest expense to average assets | 2.2269% | 5,541 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9133% | 2,765 |
| Return on assets (ROA) | 0.9133% | 2,873 |
| Pretax return on assets | 1.3959% | 1,940 |
| Return on Equity (ROE) | 10.5907% | 1,966 |
| Retained earnings to average equity (ytd only) | 10.1137% | 764 |
| Net charge-offs to loans | -0.0261% | 6,129 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4686% | 5,208 |
| Assets per employee ($millions) | 5.5217% | 1,603 |
| Cash dividends to net income (ytd only)* | 4.5046% | 3,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7208% | 2,560 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 55.8527% | 4,340 |
| Net loans and leases to deposits | 61.4560% | 4,819 |
| Net loans and leases to core deposits | 62.2918% | 5,085 |
| Total domestic deposits to total assets | 90.8824% | 583 |
| Equity capital to assets | 8.6830% | 5,539 |
| Core capital (leverage) ratio | 8.8407% | 5,345 |
| Tier 1 risk-based capital ratio | 12.9830% | 5,137 |
| Total risk-based capital ratio | 14.2568% | 5,072 |
| Memoranda: | ||
| Average total assets | $48,615,750 | 6,122 |
| Average earning assets | $45,655,750 | 6,068 |
| Average equity | $4,192,250 | 6,355 |
| Average total loans | $25,594,250 | 6,004 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9034% | 4,462 |
| Cost of funding earning assets | 0.4984% | 3,916 |
| Net interest margin | 3.4050% | 4,173 |
| Noninterest income to average assets | 0.2818% | 5,432 |
| Noninterest expense to average assets | 2.1883% | 5,659 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8704% | 2,951 |
| Return on assets (ROA) | 0.8704% | 3,103 |
| Pretax return on assets | 1.2931% | 2,324 |
| Return on Equity (ROE) | 10.1172% | 2,156 |
| Retained earnings to average equity (ytd only) | 9.6355% | 930 |
| Net charge-offs to loans | -0.0081% | 5,730 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8571% | 5,041 |
| Assets per employee ($millions) | 5.3086% | 1,779 |
| Cash dividends to net income (ytd only)* | 4.7619% | 3,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8371% | 2,305 |
| Loan loss allowance to noncurrent loans | 109.2971% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 0.9230% | 3,941 |
| Noncurrent loans to loans | 1.6808% | 2,796 |
| Net loans and leases to total assets | 53.9067% | 4,598 |
| Net loans and leases to deposits | 59.2791% | 5,043 |
| Net loans and leases to core deposits | 60.1176% | 5,255 |
| Total domestic deposits to total assets | 90.9371% | 568 |
| Equity capital to assets | 8.7071% | 5,538 |
| Core capital (leverage) ratio | 8.7396% | 5,369 |
| Tier 1 risk-based capital ratio | 13.1302% | 5,045 |
| Total risk-based capital ratio | 14.3594% | 5,005 |
| Memoranda: | ||
| Average total assets | $48,256,000 | 6,173 |
| Average earning assets | $45,345,330 | 6,124 |
| Average equity | $4,151,330 | 6,415 |
| Average total loans | $24,711,670 | 6,082 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8690% | 4,591 |
| Cost of funding earning assets | 0.5088% | 3,992 |
| Net interest margin | 3.3601% | 4,272 |
| Noninterest income to average assets | 0.2557% | 5,626 |
| Noninterest expense to average assets | 2.3920% | 5,149 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6928% | 3,727 |
| Return on assets (ROA) | 0.6928% | 3,872 |
| Pretax return on assets | 1.0228% | 3,255 |
| Return on Equity (ROE) | 8.1022% | 2,922 |
| Retained earnings to average equity (ytd only) | 7.6200% | 1,889 |
| Net charge-offs to loans | -0.0167% | 5,638 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0483% | 3,963 |
| Assets per employee ($millions) | 5.4136% | 1,744 |
| Cash dividends to net income (ytd only)* | 5.9524% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9577% | 2,148 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 49.5444% | 5,044 |
| Net loans and leases to deposits | 54.4260% | 5,403 |
| Net loans and leases to core deposits | 55.1799% | 5,587 |
| Total domestic deposits to total assets | 91.0307% | 516 |
| Equity capital to assets | 8.5670% | 5,946 |
| Core capital (leverage) ratio | 8.1882% | 5,941 |
| Tier 1 risk-based capital ratio | 12.9273% | 5,281 |
| Total risk-based capital ratio | 14.1809% | 5,229 |
| Memoranda: | ||
| Average total assets | $48,495,500 | 6,224 |
| Average earning assets | $45,593,500 | 6,173 |
| Average equity | $4,147,000 | 6,480 |
| Average total loans | $23,949,000 | 6,179 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8907% | 5,595 |
| Cost of funding earning assets | 0.5568% | 4,751 |
| Net interest margin | 3.3339% | 5,127 |
| Noninterest income to average assets | 0.3299% | 5,097 |
| Noninterest expense to average assets | 2.5178% | 5,041 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6193% | 4,148 |
| Return on assets (ROA) | 0.6193% | 4,411 |
| Pretax return on assets | 0.9471% | 3,757 |
| Return on Equity (ROE) | 7.2309% | 3,513 |
| Retained earnings to average equity (ytd only) | 6.4854% | 1,830 |
| Net charge-offs to loans | -0.0265% | 6,597 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6658% | 3,291 |
| Assets per employee ($millions) | 5.3632% | 1,825 |
| Cash dividends to net income (ytd only)* | 10.3093% | 4,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0664% | 1,840 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 47.2270% | 5,482 |
| Net loans and leases to deposits | 51.8315% | 5,820 |
| Net loans and leases to core deposits | 52.5484% | 5,975 |
| Total domestic deposits to total assets | 91.1165% | 453 |
| Equity capital to assets | 8.5355% | 6,021 |
| Core capital (leverage) ratio | 8.5852% | 5,482 |
| Tier 1 risk-based capital ratio | 13.9316% | 4,423 |
| Total risk-based capital ratio | 15.1887% | 4,392 |
| Memoranda: | ||
| Average total assets | $46,985,400 | 6,290 |
| Average earning assets | $44,182,200 | 6,230 |
| Average equity | $4,024,400 | 6,561 |
| Average total loans | $22,616,400 | 6,319 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8662% | 5,869 |
| Cost of funding earning assets | 0.5640% | 4,967 |
| Net interest margin | 3.3022% | 5,387 |
| Noninterest income to average assets | 0.3314% | 5,154 |
| Noninterest expense to average assets | 2.2258% | 5,891 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7943% | 3,479 |
| Return on assets (ROA) | 0.7943% | 3,721 |
| Pretax return on assets | 1.2172% | 2,926 |
| Return on Equity (ROE) | 9.2653% | 2,690 |
| Retained earnings to average equity (ytd only) | 8.7654% | 1,316 |
| Net charge-offs to loans | -0.0356% | 6,621 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6473% | 4,687 |
| Assets per employee ($millions) | 5.0332% | 2,146 |
| Cash dividends to net income (ytd only)* | 5.3958% | 3,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0577% | 2,015 |
| Loan loss allowance to noncurrent loans | 8,016.6667% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 6,746 |
| Noncurrent loans to loans | 0.0257% | 6,568 |
| Net loans and leases to total assets | 50.5420% | 5,249 |
| Net loans and leases to deposits | 56.0465% | 5,631 |
| Net loans and leases to core deposits | 57.1660% | 5,793 |
| Total domestic deposits to total assets | 90.1786% | 747 |
| Equity capital to assets | 9.1768% | 5,618 |
| Core capital (leverage) ratio | 8.6315% | 5,577 |
| Tier 1 risk-based capital ratio | 14.0319% | 4,494 |
| Total risk-based capital ratio | 15.2867% | 4,454 |
| Memoranda: | ||
| Average total assets | $46,664,500 | 6,376 |
| Average earning assets | $43,969,250 | 6,310 |
| Average equity | $4,000,500 | 6,643 |
| Average total loans | $22,451,250 | 6,398 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7514% | 6,249 |
| Cost of funding earning assets | 0.5674% | 5,167 |
| Net interest margin | 3.1840% | 5,787 |
| Noninterest income to average assets | 0.3311% | 5,181 |
| Noninterest expense to average assets | 2.1392% | 6,158 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7767% | 3,479 |
| Return on assets (ROA) | 0.7767% | 3,749 |
| Pretax return on assets | 1.1927% | 2,952 |
| Return on Equity (ROE) | 9.2697% | 2,680 |
| Retained earnings to average equity (ytd only) | 8.7632% | 1,354 |
| Net charge-offs to loans | -0.0361% | 6,578 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2038% | 4,864 |
| Assets per employee ($millions) | 5.0947% | 2,040 |
| Cash dividends to net income (ytd only)* | 5.4645% | 3,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1168% | 1,959 |
| Loan loss allowance to noncurrent loans | 2,817.6471% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0371% | 6,740 |
| Noncurrent loans to loans | 0.0751% | 6,475 |
| Net loans and leases to total assets | 48.3076% | 5,587 |
| Net loans and leases to deposits | 53.2721% | 5,930 |
| Net loans and leases to core deposits | 54.3172% | 6,070 |
| Total domestic deposits to total assets | 90.6809% | 573 |
| Equity capital to assets | 8.8197% | 5,893 |
| Core capital (leverage) ratio | 8.2060% | 6,040 |
| Tier 1 risk-based capital ratio | 14.0168% | 4,440 |
| Total risk-based capital ratio | 15.2741% | 4,393 |
| Memoranda: | ||
| Average total assets | $47,119,670 | 6,404 |
| Average earning assets | $44,409,670 | 6,336 |
| Average equity | $3,948,330 | 6,699 |
| Average total loans | $22,143,000 | 6,457 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6807% | 6,470 |
| Cost of funding earning assets | 0.5765% | 5,304 |
| Net interest margin | 3.1042% | 6,024 |
| Noninterest income to average assets | 0.3015% | 5,464 |
| Noninterest expense to average assets | 2.1611% | 6,131 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7120% | 3,825 |
| Return on assets (ROA) | 0.7120% | 4,039 |
| Pretax return on assets | 1.0722% | 3,420 |
| Return on Equity (ROE) | 8.7168% | 2,944 |
| Retained earnings to average equity (ytd only) | 8.2041% | 1,903 |
| Net charge-offs to loans | -0.0365% | 6,418 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8394% | 4,389 |
| Assets per employee ($millions) | 5.4000% | 1,791 |
| Cash dividends to net income (ytd only)* | 5.8824% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2360% | 1,809 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 42.9136% | 6,108 |
| Net loans and leases to deposits | 46.9212% | 6,365 |
| Net loans and leases to core deposits | 47.7812% | 6,469 |
| Total domestic deposits to total assets | 91.4588% | 384 |
| Equity capital to assets | 8.1008% | 6,448 |
| Core capital (leverage) ratio | 7.7476% | 6,450 |
| Tier 1 risk-based capital ratio | 13.8597% | 4,561 |
| Total risk-based capital ratio | 15.1156% | 4,537 |
| Memoranda: | ||
| Average total assets | $47,753,500 | 6,440 |
| Average earning assets | $45,100,000 | 6,360 |
| Average equity | $3,900,500 | 6,749 |
| Average total loans | $21,900,000 | 6,520 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5161% | 5,007 |
| Cost of funding earning assets | 0.7412% | 5,271 |
| Net interest margin | 3.7750% | 3,952 |
| Noninterest income to average assets | 0.3173% | 5,269 |
| Noninterest expense to average assets | 2.7816% | 4,415 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.7188% | 3,395 |
| Return on assets (ROA) | 0.7188% | 3,566 |
| Pretax return on assets | 1.0746% | 2,936 |
| Return on Equity (ROE) | 8.3412% | 2,744 |
| Retained earnings to average equity (ytd only) | 7.6438% | 1,209 |
| Net charge-offs to loans | -0.2332% | 7,224 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1322% | 3,550 |
| Assets per employee ($millions) | 5.2119% | 1,931 |
| Cash dividends to net income (ytd only)* | 8.3612% | 3,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1142% | 1,964 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 46.8843% | 5,930 |
| Net loans and leases to deposits | 51.3029% | 6,268 |
| Net loans and leases to core deposits | 51.9083% | 6,434 |
| Total domestic deposits to total assets | 91.3872% | 366 |
| Equity capital to assets | 8.2376% | 6,396 |
| Core capital (leverage) ratio | 8.4248% | 5,678 |
| Tier 1 risk-based capital ratio | 13.7416% | 4,527 |
| Total risk-based capital ratio | 14.9987% | 4,477 |
| Memoranda: | ||
| Average total assets | $41,595,200 | 6,611 |
| Average earning assets | $38,993,400 | 6,568 |
| Average equity | $3,584,600 | 6,857 |
| Average total loans | $21,871,200 | 6,565 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4264% | 5,517 |
| Cost of funding earning assets | 0.7891% | 5,221 |
| Net interest margin | 3.6374% | 4,632 |
| Noninterest income to average assets | 0.3808% | 4,805 |
| Noninterest expense to average assets | 2.5529% | 5,266 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.8278% | 3,034 |
| Return on assets (ROA) | 0.8278% | 3,195 |
| Pretax return on assets | 1.2317% | 2,516 |
| Return on Equity (ROE) | 9.4837% | 2,397 |
| Retained earnings to average equity (ytd only) | 8.9147% | 1,174 |
| Net charge-offs to loans | -0.0368% | 6,998 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4541% | 4,432 |
| Assets per employee ($millions) | 4.3203% | 3,236 |
| Cash dividends to net income (ytd only)* | 6.0001% | 3,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0282% | 2,259 |
| Loan loss allowance to noncurrent loans | 14,300.0000% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 7,053 |
| Noncurrent loans to loans | 0.0142% | 6,914 |
| Net loans and leases to total assets | 53.2958% | 5,278 |
| Net loans and leases to deposits | 59.6294% | 5,673 |
| Net loans and leases to core deposits | 60.4116% | 5,954 |
| Total domestic deposits to total assets | 89.3784% | 1,207 |
| Equity capital to assets | 9.9169% | 4,454 |
| Core capital (leverage) ratio | 8.9952% | 4,937 |
| Tier 1 risk-based capital ratio | 14.8671% | 3,746 |
| Total risk-based capital ratio | 16.1142% | 3,715 |
| Memoranda: | ||
| Average total assets | $40,267,250 | 6,719 |
| Average earning assets | $37,681,750 | 6,670 |
| Average equity | $3,514,750 | 6,931 |
| Average total loans | $21,722,250 | 6,633 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3469% | 5,855 |
| Cost of funding earning assets | 0.8147% | 5,276 |
| Net interest margin | 3.5322% | 5,005 |
| Noninterest income to average assets | 0.3339% | 5,219 |
| Noninterest expense to average assets | 2.5584% | 5,332 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7169% | 3,459 |
| Return on assets (ROA) | 0.7169% | 3,571 |
| Pretax return on assets | 1.0754% | 2,953 |
| Return on Equity (ROE) | 8.5857% | 2,684 |
| Retained earnings to average equity (ytd only) | 7.9976% | 1,467 |
| Net charge-offs to loans | -0.0183% | 6,801 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4054% | 4,031 |
| Assets per employee ($millions) | 4.6093% | 2,674 |
| Cash dividends to net income (ytd only)* | 6.8493% | 3,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9201% | 2,611 |
| Loan loss allowance to noncurrent loans | 14,200.0000% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.0072% | 7,112 |
| Noncurrent loans to loans | 0.0135% | 6,970 |
| Net loans and leases to total assets | 52.4540% | 5,506 |
| Net loans and leases to deposits | 57.6989% | 5,969 |
| Net loans and leases to core deposits | 59.2270% | 6,166 |
| Total domestic deposits to total assets | 90.9097% | 532 |
| Equity capital to assets | 8.5238% | 6,157 |
| Core capital (leverage) ratio | 8.1407% | 6,110 |
| Tier 1 risk-based capital ratio | 13.2196% | 4,751 |
| Total risk-based capital ratio | 14.4760% | 4,722 |
| Memoranda: | ||
| Average total assets | $40,728,670 | 6,762 |
| Average earning assets | $38,050,000 | 6,716 |
| Average equity | $3,401,000 | 7,013 |
| Average total loans | $21,912,330 | 6,685 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2989% | 6,023 |
| Cost of funding earning assets | 0.8682% | 5,151 |
| Net interest margin | 3.4306% | 5,300 |
| Noninterest income to average assets | 0.3073% | 5,471 |
| Noninterest expense to average assets | 2.6269% | 5,124 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6146% | 3,969 |
| Return on assets (ROA) | 0.6146% | 4,032 |
| Pretax return on assets | 0.8922% | 3,526 |
| Return on Equity (ROE) | 7.4396% | 3,180 |
| Retained earnings to average equity (ytd only) | 6.8397% | 2,217 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6479% | 3,400 |
| Assets per employee ($millions) | 4.1345% | 3,571 |
| Cash dividends to net income (ytd only)* | 8.0645% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0404% | 2,309 |
| Loan loss allowance to noncurrent loans | 8,480.0000% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.0121% | 7,165 |
| Noncurrent loans to loans | 0.0241% | 7,007 |
| Net loans and leases to total assets | 49.2345% | 5,935 |
| Net loans and leases to deposits | 53.8405% | 6,299 |
| Net loans and leases to core deposits | 55.2627% | 6,467 |
| Total domestic deposits to total assets | 91.4452% | 428 |
| Equity capital to assets | 8.1122% | 6,379 |
| Core capital (leverage) ratio | 7.9128% | 6,350 |
| Tier 1 risk-based capital ratio | 13.3619% | 4,535 |
| Total risk-based capital ratio | 14.6174% | 4,507 |
| Memoranda: | ||
| Average total assets | $40,351,000 | 6,820 |
| Average earning assets | $37,777,500 | 6,772 |
| Average equity | $3,333,500 | 7,066 |
| Average total loans | $21,775,500 | 6,752 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8976% | 5,044 |
| Cost of funding earning assets | 1.2022% | 4,556 |
| Net interest margin | 3.6953% | 4,368 |
| Noninterest income to average assets | 0.4118% | 4,811 |
| Noninterest expense to average assets | 3.2063% | 3,066 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.4410% | 4,357 |
| Return on assets (ROA) | 0.4410% | 4,516 |
| Pretax return on assets | 0.6349% | 4,212 |
| Return on Equity (ROE) | 5.0699% | 4,040 |
| Retained earnings to average equity (ytd only) | 3.9094% | 3,123 |
| Net charge-offs to loans | 0.0720% | 6,078 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 14.9375% | 1,307 |
| Efficiency ratio | 83.4716% | 1,988 |
| Assets per employee ($millions) | 3.9357% | 3,925 |
| Cash dividends to net income (ytd only)* | 22.8916% | 3,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8620% | 2,657 |
| Loan loss allowance to noncurrent loans | 8,480.0000% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 7,218 |
| Noncurrent loans to loans | 0.0220% | 7,087 |
| Net loans and leases to total assets | 56.7802% | 5,219 |
| Net loans and leases to deposits | 62.3226% | 5,816 |
| Net loans and leases to core deposits | 63.5924% | 6,089 |
| Total domestic deposits to total assets | 91.1070% | 552 |
| Equity capital to assets | 8.4178% | 5,971 |
| Core capital (leverage) ratio | 8.5855% | 5,218 |
| Tier 1 risk-based capital ratio | 12.5339% | 4,995 |
| Total risk-based capital ratio | 13.7877% | 4,980 |
| Memoranda: | ||
| Average total assets | $37,644,200 | 6,951 |
| Average earning assets | $34,935,800 | 6,915 |
| Average equity | $3,274,200 | 7,201 |
| Average total loans | $22,211,800 | 6,811 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9304% | 5,129 |
| Cost of funding earning assets | 1.2607% | 4,491 |
| Net interest margin | 3.6697% | 4,540 |
| Noninterest income to average assets | 0.4084% | 4,893 |
| Noninterest expense to average assets | 2.9019% | 4,084 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.6090% | 3,845 |
| Return on assets (ROA) | 0.6090% | 4,008 |
| Pretax return on assets | 0.8956% | 3,573 |
| Return on Equity (ROE) | 6.9432% | 3,370 |
| Retained earnings to average equity (ytd only) | 5.7179% | 2,531 |
| Net charge-offs to loans | -0.0060% | 7,225 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4151% | 2,872 |
| Assets per employee ($millions) | 3.6664% | 4,573 |
| Cash dividends to net income (ytd only)* | 17.6476% | 3,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9438% | 2,366 |
| Loan loss allowance to noncurrent loans | 114.2487% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 1.1919% | 4,756 |
| Noncurrent loans to loans | 1.7014% | 4,086 |
| Net loans and leases to total assets | 60.6753% | 4,783 |
| Net loans and leases to deposits | 67.4857% | 5,491 |
| Net loans and leases to core deposits | 68.8773% | 5,854 |
| Total domestic deposits to total assets | 89.9084% | 924 |
| Equity capital to assets | 9.2461% | 5,227 |
| Core capital (leverage) ratio | 8.6475% | 5,274 |
| Tier 1 risk-based capital ratio | 12.9875% | 4,585 |
| Total risk-based capital ratio | 14.2416% | 4,558 |
| Memoranda: | ||
| Average total assets | $37,216,000 | 7,042 |
| Average earning assets | $34,370,500 | 7,017 |
| Average equity | $3,264,500 | 7,293 |
| Average total loans | $22,072,000 | 6,909 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8575% | 5,580 |
| Cost of funding earning assets | 1.2740% | 4,693 |
| Net interest margin | 3.5835% | 4,887 |
| Noninterest income to average assets | 0.3904% | 4,988 |
| Noninterest expense to average assets | 2.7807% | 4,573 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6150% | 3,811 |
| Return on assets (ROA) | 0.6150% | 3,951 |
| Pretax return on assets | 0.9037% | 3,478 |
| Return on Equity (ROE) | 7.1369% | 3,237 |
| Retained earnings to average equity (ytd only) | 5.7096% | 2,487 |
| Net charge-offs to loans | -0.0366% | 7,393 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4717% | 3,167 |
| Assets per employee ($millions) | 3.9064% | 3,960 |
| Cash dividends to net income (ytd only)* | 20.0000% | 2,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9172% | 2,375 |
| Loan loss allowance to noncurrent loans | 116.8421% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.9728% | 5,194 |
| Noncurrent loans to loans | 1.6408% | 4,247 |
| Net loans and leases to total assets | 58.1482% | 5,393 |
| Net loans and leases to deposits | 63.9679% | 6,043 |
| Net loans and leases to core deposits | 64.6967% | 6,345 |
| Total domestic deposits to total assets | 90.9021% | 529 |
| Equity capital to assets | 8.4758% | 6,190 |
| Core capital (leverage) ratio | 8.5640% | 5,306 |
| Tier 1 risk-based capital ratio | 12.6176% | 4,759 |
| Total risk-based capital ratio | 13.8741% | 4,721 |
| Memoranda: | ||
| Average total assets | $37,400,000 | 7,094 |
| Average earning assets | $34,379,670 | 7,068 |
| Average equity | $3,222,670 | 7,349 |
| Average total loans | $21,867,000 | 6,970 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8462% | 5,696 |
| Cost of funding earning assets | 1.2673% | 5,021 |
| Net interest margin | 3.5789% | 4,818 |
| Noninterest income to average assets | 0.3719% | 5,169 |
| Noninterest expense to average assets | 2.7784% | 4,570 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6454% | 3,689 |
| Return on assets (ROA) | 0.6454% | 3,805 |
| Pretax return on assets | 0.9298% | 3,348 |
| Return on Equity (ROE) | 7.4249% | 3,150 |
| Retained earnings to average equity (ytd only) | 5.5372% | 2,848 |
| Net charge-offs to loans | -0.0565% | 7,377 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9263% | 3,419 |
| Assets per employee ($millions) | 3.8006% | 4,308 |
| Cash dividends to net income (ytd only)* | 25.4237% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0949% | 1,970 |
| Loan loss allowance to noncurrent loans | 533.7349% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.2684% | 6,802 |
| Noncurrent loans to loans | 0.3925% | 6,494 |
| Net loans and leases to total assets | 54.4756% | 5,967 |
| Net loans and leases to deposits | 59.7553% | 6,492 |
| Net loans and leases to core deposits | 60.4532% | 6,707 |
| Total domestic deposits to total assets | 91.1646% | 481 |
| Equity capital to assets | 8.3934% | 6,163 |
| Core capital (leverage) ratio | 8.3985% | 5,564 |
| Tier 1 risk-based capital ratio | 13.1353% | 4,246 |
| Total risk-based capital ratio | 14.3921% | 4,200 |
| Memoranda: | ||
| Average total assets | $36,568,000 | 7,213 |
| Average earning assets | $34,088,500 | 7,160 |
| Average equity | $3,178,500 | 7,445 |
| Average total loans | $21,221,000 | 7,088 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2984% | 5,181 |
| Cost of funding earning assets | 1.3659% | 6,071 |
| Net interest margin | 3.9325% | 3,150 |
| Noninterest income to average assets | 0.5449% | 4,066 |
| Noninterest expense to average assets | 3.5658% | 2,231 |
| Loan and lease loss provision to assets | 0.0999% | 6,628 |
| Net operating income to assets | 0.3935% | 4,152 |
| Return on assets (ROA) | 0.3935% | 4,247 |
| Pretax return on assets | 0.5570% | 4,026 |
| Return on Equity (ROE) | 4.1228% | 4,035 |
| Retained earnings to average equity (ytd only) | 1.7443% | 3,865 |
| Net charge-offs to loans | 0.2058% | 5,345 |
| Credit loss provision to net charge-offs | 78.5714% | 6,323 |
| Earnings coverage of net charge-offs (x) | 5.1667% | 2,669 |
| Efficiency ratio | 84.4444% | 2,296 |
| Assets per employee ($millions) | 3.5130% | 4,977 |
| Cash dividends to net income (ytd only)* | 57.6923% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0662% | 1,875 |
| Loan loss allowance to noncurrent loans | 427.1845% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.2932% | 6,713 |
| Noncurrent loans to loans | 0.4837% | 6,289 |
| Net loans and leases to total assets | 59.3652% | 5,441 |
| Net loans and leases to deposits | 65.6045% | 6,099 |
| Net loans and leases to core deposits | 70.2922% | 6,756 |
| Total domestic deposits to total assets | 90.4896% | 745 |
| Equity capital to assets | 9.0151% | 5,124 |
| Core capital (leverage) ratio | 9.4127% | 3,819 |
| Tier 1 risk-based capital ratio | 13.1974% | 4,016 |
| Total risk-based capital ratio | 14.4563% | 3,958 |
| Memoranda: | ||
| Average total assets | $33,036,400 | 7,363 |
| Average earning assets | $30,896,000 | 7,318 |
| Average equity | $3,153,200 | 7,544 |
| Average total loans | $20,403,400 | 7,169 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2786% | 5,531 |
| Cost of funding earning assets | 1.3983% | 6,242 |
| Net interest margin | 3.8803% | 3,306 |
| Noninterest income to average assets | 0.5618% | 4,000 |
| Noninterest expense to average assets | 3.1617% | 3,429 |
| Loan and lease loss provision to assets | 0.1025% | 6,347 |
| Net operating income to assets | 0.6356% | 3,473 |
| Return on assets (ROA) | 0.6356% | 3,541 |
| Pretax return on assets | 0.9391% | 3,101 |
| Return on Equity (ROE) | 6.5612% | 3,277 |
| Retained earnings to average equity (ytd only) | 4.4448% | 2,790 |
| Net charge-offs to loans | 0.3039% | 4,129 |
| Credit loss provision to net charge-offs | 54.3478% | 6,253 |
| Earnings coverage of net charge-offs (x) | 5.5219% | 2,798 |
| Efficiency ratio | 75.2195% | 3,656 |
| Assets per employee ($millions) | 3.0166% | 6,120 |
| Cash dividends to net income (ytd only)* | 32.2607% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9003% | 2,031 |
| Loan loss allowance to noncurrent loans | 436.7347% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.2953% | 6,749 |
| Noncurrent loans to loans | 0.4351% | 6,464 |
| Net loans and leases to total assets | 66.5853% | 4,285 |
| Net loans and leases to deposits | 74.5345% | 5,289 |
| Net loans and leases to core deposits | 80.5006% | 6,306 |
| Total domestic deposits to total assets | 89.3349% | 1,046 |
| Equity capital to assets | 9.8032% | 4,348 |
| Core capital (leverage) ratio | 9.6725% | 3,688 |
| Tier 1 risk-based capital ratio | 13.0574% | 4,148 |
| Total risk-based capital ratio | 14.3127% | 4,083 |
| Memoranda: | ||
| Average total assets | $32,513,000 | 7,443 |
| Average earning assets | $30,512,500 | 7,396 |
| Average equity | $3,149,750 | 7,617 |
| Average total loans | $20,180,500 | 7,245 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2345% | 5,940 |
| Cost of funding earning assets | 1.4426% | 6,341 |
| Net interest margin | 3.7919% | 3,586 |
| Noninterest income to average assets | 0.5451% | 4,070 |
| Noninterest expense to average assets | 3.2147% | 3,297 |
| Loan and lease loss provision to assets | 0.8486% | 1,974 |
| Net operating income to assets | 0.0310% | 5,754 |
| Return on assets (ROA) | 0.0310% | 5,840 |
| Pretax return on assets | 0.0310% | 5,813 |
| Return on Equity (ROE) | 0.3210% | 5,835 |
| Retained earnings to average equity (ytd only) | -1.2840% | 5,563 |
| Net charge-offs to loans | 3.1031% | 529 |
| Credit loss provision to net charge-offs | 45.5150% | 5,821 |
| Earnings coverage of net charge-offs (x) | 0.4718% | 5,231 |
| Efficiency ratio | 78.5174% | 3,270 |
| Assets per employee ($millions) | 2.9864% | 6,167 |
| Cash dividends to net income (ytd only)* | 500.0000% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3848% | 3,813 |
| Loan loss allowance to noncurrent loans | 343.3735% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.2527% | 6,842 |
| Noncurrent loans to loans | 0.4033% | 6,497 |
| Net loans and leases to total assets | 61.7808% | 5,393 |
| Net loans and leases to deposits | 68.7407% | 6,121 |
| Net loans and leases to core deposits | 74.5099% | 6,760 |
| Total domestic deposits to total assets | 89.8752% | 880 |
| Equity capital to assets | 9.4429% | 4,685 |
| Core capital (leverage) ratio | 9.2563% | 4,226 |
| Tier 1 risk-based capital ratio | 13.4930% | 3,817 |
| Total risk-based capital ratio | 14.7447% | 3,751 |
| Memoranda: | ||
| Average total assets | $32,289,670 | 7,521 |
| Average earning assets | $30,222,330 | 7,474 |
| Average equity | $3,115,330 | 7,694 |
| Average total loans | $19,399,670 | 7,368 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1590% | 6,450 |
| Cost of funding earning assets | 1.4969% | 6,408 |
| Net interest margin | 3.6621% | 4,051 |
| Noninterest income to average assets | 0.5123% | 4,206 |
| Noninterest expense to average assets | 2.9866% | 3,827 |
| Loan and lease loss provision to assets | 1.5995% | 782 |
| Net operating income to assets | -0.6498% | 7,007 |
| Return on assets (ROA) | -0.6498% | 7,045 |
| Pretax return on assets | -0.6498% | 6,934 |
| Return on Equity (ROE) | -6.6624% | 7,118 |
| Retained earnings to average equity (ytd only) | -9.8655% | 7,097 |
| Net charge-offs to loans | 6.5074% | 137 |
| Credit loss provision to net charge-offs | 41.8301% | 4,800 |
| Earnings coverage of net charge-offs (x) | 0.2484% | 4,777 |
| Efficiency ratio | 75.8730% | 3,515 |
| Assets per employee ($millions) | 2.8971% | 6,417 |
| Cash dividends to net income (ytd only)* | -48.0769% | 8,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4730% | 3,125 |
| Loan loss allowance to noncurrent loans | 282.2917% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.3012% | 6,617 |
| Noncurrent loans to loans | 0.5218% | 6,121 |
| Net loans and leases to total assets | 56.8815% | 6,112 |
| Net loans and leases to deposits | 63.3811% | 6,613 |
| Net loans and leases to core deposits | 68.8742% | 7,087 |
| Total domestic deposits to total assets | 89.7452% | 913 |
| Equity capital to assets | 9.6398% | 4,466 |
| Core capital (leverage) ratio | 8.8621% | 4,903 |
| Tier 1 risk-based capital ratio | 14.4371% | 3,343 |
| Total risk-based capital ratio | 15.6841% | 3,269 |
| Memoranda: | ||
| Average total assets | $32,009,500 | 7,566 |
| Average earning assets | $29,928,500 | 7,521 |
| Average equity | $3,122,000 | 7,747 |
| Average total loans | $18,809,500 | 7,449 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8689% | 6,187 |
| Cost of funding earning assets | 1.9101% | 6,703 |
| Net interest margin | 3.9587% | 3,314 |
| Noninterest income to average assets | 0.6157% | 3,739 |
| Noninterest expense to average assets | 3.3025% | 2,953 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.6882% | 3,943 |
| Return on assets (ROA) | 0.6882% | 3,782 |
| Pretax return on assets | 0.9845% | 3,433 |
| Return on Equity (ROE) | 6.9611% | 3,551 |
| Retained earnings to average equity (ytd only) | 4.9627% | 2,052 |
| Net charge-offs to loans | 0.1020% | 5,292 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 15.7368% | 1,911 |
| Efficiency ratio | 77.0353% | 3,072 |
| Assets per employee ($millions) | 2.9228% | 6,242 |
| Cash dividends to net income (ytd only)* | 28.7081% | 4,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3308% | 817 |
| Loan loss allowance to noncurrent loans | 108.7379% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 1.2815% | 3,665 |
| Noncurrent loans to loans | 2.1435% | 2,577 |
| Net loans and leases to total assets | 58.3901% | 6,146 |
| Net loans and leases to deposits | 65.3474% | 6,686 |
| Net loans and leases to core deposits | 72.3430% | 7,058 |
| Total domestic deposits to total assets | 89.3534% | 895 |
| Equity capital to assets | 9.8659% | 4,198 |
| Core capital (leverage) ratio | 9.6752% | 3,801 |
| Tier 1 risk-based capital ratio | 14.4380% | 3,328 |
| Total risk-based capital ratio | 15.6532% | 3,257 |
| Memoranda: | ||
| Average total assets | $30,371,200 | 7,630 |
| Average earning assets | $28,165,600 | 7,611 |
| Average equity | $3,002,400 | 7,839 |
| Average total loans | $18,623,800 | 7,422 |