Home > Farmers State Bank of Hoffman > Performance and Condition Ratios
Farmers State Bank of Hoffman, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8133% | 4,167 |
| Cost of funding earning assets | 0.7962% | 3,743 |
| Net interest margin | 3.0172% | 3,242 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 2.2483% | 2,986 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7591% | 3,016 |
| Return on assets (ROA) | 0.8220% | 2,779 |
| Pretax return on assets | 0.8280% | 3,144 |
| Return on Equity (ROE) | 11.1000% | 2,197 |
| Retained earnings to average equity (ytd only) | 11.1011% | 771 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 74.6239% | 1,392 |
| Assets per employee ($millions) | 4.7309% | 3,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2950% | 1,789 |
| Loan loss allowance to noncurrent loans | 6,633.3333% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 3,719 |
| Noncurrent loans to loans | 0.0195% | 3,597 |
| Net loans and leases to total assets | 45.8000% | 3,819 |
| Net loans and leases to deposits | 50.4440% | 3,937 |
| Net loans and leases to core deposits | 51.5725% | 4,042 |
| Total domestic deposits to total assets | 90.8000% | 556 |
| Equity capital to assets | 8.7903% | 2,836 |
| Core capital (leverage) ratio | 13.4133% | 933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $33,091,600 | 4,446 |
| Average earning assets | $31,652,000 | 4,405 |
| Average equity | $2,450,200 | 4,461 |
| Average total loans | $14,162,400 | 4,365 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7251% | 4,187 |
| Cost of funding earning assets | 0.6693% | 3,832 |
| Net interest margin | 3.0559% | 3,222 |
| Noninterest income to average assets | 0.1200% | 4,221 |
| Noninterest expense to average assets | 2.1963% | 3,086 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8387% | 2,902 |
| Return on assets (ROA) | 0.8866% | 2,718 |
| Pretax return on assets | 0.8946% | 3,114 |
| Return on Equity (ROE) | 12.5600% | 1,990 |
| Retained earnings to average equity (ytd only) | 12.5621% | 878 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.1854% | 1,545 |
| Assets per employee ($millions) | 4.7591% | 3,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4799% | 1,165 |
| Loan loss allowance to noncurrent loans | 4,975.0000% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.0120% | 3,731 |
| Noncurrent loans to loans | 0.0297% | 3,561 |
| Net loans and leases to total assets | 39.7700% | 4,064 |
| Net loans and leases to deposits | 42.5420% | 4,150 |
| Net loans and leases to core deposits | 43.4560% | 4,187 |
| Total domestic deposits to total assets | 93.4800% | 245 |
| Equity capital to assets | 6.2076% | 3,920 |
| Core capital (leverage) ratio | 13.5614% | 920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $33,085,500 | 4,468 |
| Average earning assets | $31,676,000 | 4,427 |
| Average equity | $2,335,000 | 4,488 |
| Average total loans | $13,861,250 | 4,390 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6825% | 4,160 |
| Cost of funding earning assets | 0.5675% | 3,838 |
| Net interest margin | 3.1150% | 3,185 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 2.2903% | 2,838 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8124% | 3,043 |
| Return on assets (ROA) | 0.8664% | 2,865 |
| Pretax return on assets | 0.8785% | 3,220 |
| Return on Equity (ROE) | 11.8000% | 2,214 |
| Retained earnings to average equity (ytd only) | 11.7987% | 1,025 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.5409% | 1,400 |
| Assets per employee ($millions) | 4.5490% | 3,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4557% | 1,328 |
| Loan loss allowance to noncurrent loans | 4,975.0000% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.0126% | 3,722 |
| Noncurrent loans to loans | 0.0293% | 3,545 |
| Net loans and leases to total assets | 42.3000% | 3,952 |
| Net loans and leases to deposits | 46.0264% | 4,046 |
| Net loans and leases to core deposits | 46.4293% | 4,116 |
| Total domestic deposits to total assets | 91.9100% | 433 |
| Equity capital to assets | 7.8196% | 3,339 |
| Core capital (leverage) ratio | 13.1431% | 983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $33,009,333 | 4,494 |
| Average earning assets | $31,717,333 | 4,456 |
| Average equity | $2,424,000 | 4,514 |
| Average total loans | $13,999,333 | 4,411 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5801% | 4,176 |
| Cost of funding earning assets | 0.4848% | 3,745 |
| Net interest margin | 3.0953% | 3,363 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 2.2267% | 3,025 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8454% | 3,036 |
| Return on assets (ROA) | 0.9050% | 2,798 |
| Pretax return on assets | 0.9050% | 3,224 |
| Return on Equity (ROE) | 12.7100% | 2,047 |
| Retained earnings to average equity (ytd only) | 12.7143% | 1,140 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.4806% | 1,497 |
| Assets per employee ($millions) | 4.8386% | 3,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4868% | 1,316 |
| Loan loss allowance to noncurrent loans | 3,980.0000% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 3,698 |
| Noncurrent loans to loans | 0.0374% | 3,481 |
| Net loans and leases to total assets | 38.9300% | 4,083 |
| Net loans and leases to deposits | 42.1610% | 4,158 |
| Net loans and leases to core deposits | 42.5048% | 4,214 |
| Total domestic deposits to total assets | 92.3300% | 436 |
| Equity capital to assets | 7.4875% | 3,571 |
| Core capital (leverage) ratio | 12.5374% | 1,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $33,592,500 | 4,553 |
| Average earning assets | $32,177,500 | 4,519 |
| Average equity | $2,391,000 | 4,581 |
| Average total loans | $14,164,000 | 4,469 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0839% | 4,020 |
| Cost of funding earning assets | 0.2572% | 3,268 |
| Net interest margin | 2.8266% | 3,836 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 2.2185% | 2,978 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6063% | 3,865 |
| Return on assets (ROA) | 0.5930% | 3,862 |
| Pretax return on assets | 0.6421% | 3,956 |
| Return on Equity (ROE) | 7.6000% | 3,486 |
| Retained earnings to average equity (ytd only) | 6.5965% | 2,411 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 77.1630% | 909 |
| Assets per employee ($millions) | 4.7593% | 3,847 |
| Cash dividends to net income (ytd only)* | 13.1707% | 3,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3383% | 1,729 |
| Loan loss allowance to noncurrent loans | 4,000.0000% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.0150% | 3,710 |
| Noncurrent loans to loans | 0.0335% | 3,539 |
| Net loans and leases to total assets | 44.2600% | 3,880 |
| Net loans and leases to deposits | 48.4872% | 3,958 |
| Net loans and leases to core deposits | 48.8908% | 4,022 |
| Total domestic deposits to total assets | 91.2700% | 851 |
| Equity capital to assets | 6.7417% | 3,795 |
| Core capital (leverage) ratio | 12.4754% | 1,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $34,572,800 | 4,580 |
| Average earning assets | $32,653,600 | 4,541 |
| Average equity | $2,698,400 | 4,635 |
| Average total loans | $13,986,200 | 4,503 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9780% | 3,922 |
| Cost of funding earning assets | 0.2272% | 2,957 |
| Net interest margin | 2.7508% | 3,834 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 2.2013% | 2,930 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5428% | 3,985 |
| Return on assets (ROA) | 0.5159% | 3,985 |
| Pretax return on assets | 0.5847% | 4,016 |
| Return on Equity (ROE) | 6.4000% | 3,711 |
| Retained earnings to average equity (ytd only) | 6.4021% | 2,594 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 78.1547% | 899 |
| Assets per employee ($millions) | 4.8116% | 3,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4219% | 1,540 |
| Loan loss allowance to noncurrent loans | 3,316.6667% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.0178% | 3,774 |
| Noncurrent loans to loans | 0.0429% | 3,580 |
| Net loans and leases to total assets | 40.9600% | 4,033 |
| Net loans and leases to deposits | 43.2829% | 4,137 |
| Net loans and leases to core deposits | 43.2829% | 4,193 |
| Total domestic deposits to total assets | 94.6300% | 270 |
| Equity capital to assets | 5.2255% | 4,223 |
| Core capital (leverage) ratio | 12.2230% | 1,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $34,887,250 | 4,613 |
| Average earning assets | $32,862,500 | 4,578 |
| Average equity | $2,811,500 | 4,664 |
| Average total loans | $13,746,750 | 4,537 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8484% | 3,896 |
| Cost of funding earning assets | 0.2264% | 2,564 |
| Net interest margin | 2.6220% | 3,869 |
| Noninterest income to average assets | 0.2607% | 3,615 |
| Noninterest expense to average assets | 2.2046% | 2,842 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4758% | 3,956 |
| Return on assets (ROA) | 0.4364% | 3,994 |
| Pretax return on assets | 0.5044% | 3,989 |
| Return on Equity (ROE) | 4.8703% | 3,840 |
| Retained earnings to average equity (ytd only) | 4.8703% | 2,750 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0412% | 944 |
| Assets per employee ($millions) | 4.8977% | 3,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5336% | 1,321 |
| Loan loss allowance to noncurrent loans | 2,000.0000% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.0292% | 3,689 |
| Noncurrent loans to loans | 0.0767% | 3,406 |
| Net loans and leases to total assets | 37.4548% | 4,195 |
| Net loans and leases to deposits | 40.3399% | 4,258 |
| Net loans and leases to core deposits | 40.3399% | 4,309 |
| Total domestic deposits to total assets | 92.8480% | 552 |
| Equity capital to assets | 7.0237% | 3,756 |
| Core capital (leverage) ratio | 11.5360% | 1,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,289,333 | 4,646 |
| Average earning assets | $33,562,667 | 4,629 |
| Average equity | $3,162,000 | 4,676 |
| Average total loans | $13,664,000 | 4,603 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8065% | 3,736 |
| Cost of funding earning assets | 0.2487% | 2,175 |
| Net interest margin | 2.5578% | 3,766 |
| Noninterest income to average assets | 0.4359% | 2,464 |
| Noninterest expense to average assets | 2.2463% | 2,701 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5324% | 3,619 |
| Return on assets (ROA) | 0.5029% | 3,673 |
| Pretax return on assets | 0.5700% | 3,707 |
| Return on Equity (ROE) | 5.0862% | 3,599 |
| Retained earnings to average equity (ytd only) | 5.0862% | 2,560 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8235% | 1,241 |
| Assets per employee ($millions) | 5.1869% | 3,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5253% | 1,477 |
| Loan loss allowance to noncurrent loans | 1,530.7692% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.0358% | 3,680 |
| Noncurrent loans to loans | 0.0996% | 3,343 |
| Net loans and leases to total assets | 35.3861% | 4,246 |
| Net loans and leases to deposits | 38.9960% | 4,287 |
| Net loans and leases to core deposits | 41.2033% | 4,267 |
| Total domestic deposits to total assets | 90.7431% | 1,160 |
| Equity capital to assets | 8.3177% | 3,310 |
| Core capital (leverage) ratio | 10.8713% | 1,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,792,000 | 4,667 |
| Average earning assets | $33,779,000 | 4,655 |
| Average equity | $3,539,000 | 4,684 |
| Average total loans | $13,975,500 | 4,621 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6605% | 2,222 |
| Cost of funding earning assets | 0.3094% | 2,306 |
| Net interest margin | 3.3511% | 2,162 |
| Noninterest income to average assets | 0.1013% | 4,597 |
| Noninterest expense to average assets | 2.4791% | 2,246 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6297% | 3,807 |
| Return on assets (ROA) | 0.6704% | 3,747 |
| Pretax return on assets | 0.7330% | 3,863 |
| Return on Equity (ROE) | 5.4350% | 3,899 |
| Retained earnings to average equity (ytd only) | -1.0387% | 4,582 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2690% | 927 |
| Assets per employee ($millions) | 5.0394% | 3,696 |
| Cash dividends to net income (ytd only)* | 119.1111% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3352% | 2,208 |
| 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 | 41.6856% | 3,994 |
| Net loans and leases to deposits | 48.6067% | 3,963 |
| Net loans and leases to core deposits | 51.6182% | 3,919 |
| Total domestic deposits to total assets | 85.7609% | 2,988 |
| Equity capital to assets | 11.5036% | 1,512 |
| Core capital (leverage) ratio | 11.5773% | 1,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $33,561,200 | 4,719 |
| Average earning assets | $30,706,400 | 4,711 |
| Average equity | $4,139,800 | 4,695 |
| Average total loans | $14,285,200 | 4,665 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8484% | 1,919 |
| Cost of funding earning assets | 0.3229% | 2,375 |
| Net interest margin | 3.5254% | 1,796 |
| Noninterest income to average assets | 0.1087% | 4,631 |
| Noninterest expense to average assets | 2.3622% | 2,556 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9497% | 3,081 |
| Return on assets (ROA) | 0.9940% | 3,008 |
| Pretax return on assets | 0.9980% | 3,463 |
| Return on Equity (ROE) | 7.9160% | 3,429 |
| Retained earnings to average equity (ytd only) | -0.6730% | 4,630 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2379% | 1,470 |
| Assets per employee ($millions) | 4.6981% | 3,970 |
| Cash dividends to net income (ytd only)* | 108.5020% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5454% | 1,477 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 38.5502% | 4,277 |
| Net loans and leases to deposits | 45.6257% | 4,247 |
| Net loans and leases to core deposits | 48.7203% | 4,204 |
| Total domestic deposits to total assets | 84.4924% | 3,300 |
| Equity capital to assets | 12.6555% | 1,106 |
| Core capital (leverage) ratio | 11.9867% | 1,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $33,132,500 | 4,792 |
| Average earning assets | $30,142,000 | 4,786 |
| Average equity | $4,160,250 | 4,761 |
| Average total loans | $14,130,500 | 4,737 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8876% | 1,848 |
| Cost of funding earning assets | 0.3383% | 2,422 |
| Net interest margin | 3.5492% | 1,716 |
| Noninterest income to average assets | 0.1325% | 4,540 |
| Noninterest expense to average assets | 2.3845% | 2,518 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9639% | 3,023 |
| Return on assets (ROA) | 1.0056% | 2,951 |
| Pretax return on assets | 1.0116% | 3,419 |
| Return on Equity (ROE) | 8.0295% | 3,404 |
| Retained earnings to average equity (ytd only) | -4.8562% | 4,788 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0952% | 1,519 |
| Assets per employee ($millions) | 4.6373% | 3,982 |
| Cash dividends to net income (ytd only)* | 160.4790% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4935% | 1,610 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 40.6365% | 4,265 |
| Net loans and leases to deposits | 48.2268% | 4,201 |
| Net loans and leases to core deposits | 51.5535% | 4,155 |
| Total domestic deposits to total assets | 84.2611% | 3,352 |
| Equity capital to assets | 12.6922% | 1,052 |
| Core capital (leverage) ratio | 11.6745% | 1,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $33,214,333 | 4,824 |
| Average earning assets | $30,147,333 | 4,816 |
| Average equity | $4,159,667 | 4,792 |
| Average total loans | $14,548,333 | 4,763 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4351% | 3,105 |
| Cost of funding earning assets | 0.3462% | 2,556 |
| Net interest margin | 3.0889% | 3,027 |
| Noninterest income to average assets | 0.1548% | 4,427 |
| Noninterest expense to average assets | 2.0482% | 3,568 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8693% | 3,208 |
| Return on assets (ROA) | 0.9526% | 3,056 |
| Pretax return on assets | 0.9526% | 3,490 |
| Return on Equity (ROE) | 7.6564% | 3,428 |
| Retained earnings to average equity (ytd only) | -17.9926% | 4,899 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2041% | 1,671 |
| Assets per employee ($millions) | 4.8477% | 3,803 |
| Cash dividends to net income (ytd only)* | 335.0000% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3881% | 2,014 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 41.6603% | 4,252 |
| Net loans and leases to deposits | 49.7694% | 4,171 |
| Net loans and leases to core deposits | 53.0589% | 4,142 |
| Total domestic deposits to total assets | 83.7066% | 3,518 |
| Equity capital to assets | 11.8053% | 1,387 |
| Core capital (leverage) ratio | 11.5732% | 1,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $33,591,000 | 4,842 |
| Average earning assets | $30,043,000 | 4,839 |
| Average equity | $4,179,500 | 4,813 |
| Average total loans | $15,127,000 | 4,782 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9301% | 2,936 |
| Cost of funding earning assets | 0.6007% | 2,300 |
| Net interest margin | 3.3294% | 2,988 |
| Noninterest income to average assets | 0.2534% | 3,967 |
| Noninterest expense to average assets | 2.3468% | 3,281 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.0103% | 2,256 |
| Return on assets (ROA) | 1.0008% | 2,433 |
| Pretax return on assets | 1.0040% | 3,034 |
| Return on Equity (ROE) | 7.5364% | 2,984 |
| Retained earnings to average equity (ytd only) | 1.5502% | 4,016 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8398% | 1,971 |
| Assets per employee ($millions) | 4.7497% | 3,661 |
| Cash dividends to net income (ytd only)* | 79.4304% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 2,685 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 47.2780% | 4,026 |
| Net loans and leases to deposits | 57.3205% | 3,926 |
| Net loans and leases to core deposits | 61.2540% | 3,873 |
| Total domestic deposits to total assets | 82.4801% | 3,543 |
| Equity capital to assets | 13.0925% | 1,058 |
| Core capital (leverage) ratio | 12.3860% | 1,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $31,575,200 | 4,859 |
| Average earning assets | $29,465,200 | 4,845 |
| Average equity | $4,193,000 | 4,828 |
| Average total loans | $15,502,400 | 4,799 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0411% | 2,857 |
| Cost of funding earning assets | 0.6287% | 2,437 |
| Net interest margin | 3.4124% | 2,883 |
| Noninterest income to average assets | 0.1412% | 4,600 |
| Noninterest expense to average assets | 2.2424% | 3,567 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.0998% | 1,979 |
| Return on assets (ROA) | 1.0784% | 2,184 |
| Pretax return on assets | 1.0827% | 2,802 |
| Return on Equity (ROE) | 8.0903% | 2,777 |
| Retained earnings to average equity (ytd only) | 1.3484% | 4,134 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0077% | 2,314 |
| Assets per employee ($millions) | 4.5299% | 3,810 |
| Cash dividends to net income (ytd only)* | 83.3333% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2716% | 2,285 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 48.7275% | 4,174 |
| Net loans and leases to deposits | 61.5749% | 3,954 |
| Net loans and leases to core deposits | 66.2224% | 3,883 |
| Total domestic deposits to total assets | 79.1353% | 4,041 |
| Equity capital to assets | 13.6397% | 960 |
| Core capital (leverage) ratio | 12.3838% | 1,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $31,157,000 | 4,892 |
| Average earning assets | $29,265,500 | 4,876 |
| Average equity | $4,153,000 | 4,857 |
| Average total loans | $15,398,500 | 4,831 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1150% | 3,011 |
| Cost of funding earning assets | 0.6939% | 2,427 |
| Net interest margin | 3.4212% | 3,034 |
| Noninterest income to average assets | 0.1550% | 4,522 |
| Noninterest expense to average assets | 2.2988% | 3,519 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.0651% | 2,095 |
| Return on assets (ROA) | 1.0267% | 2,358 |
| Pretax return on assets | 1.0332% | 2,918 |
| Return on Equity (ROE) | 7.7643% | 2,838 |
| Retained earnings to average equity (ytd only) | -2.4904% | 4,620 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1992% | 2,210 |
| Assets per employee ($millions) | 4.5314% | 3,745 |
| Cash dividends to net income (ytd only)* | 132.0755% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2786% | 2,107 |
| Loan loss allowance to noncurrent loans | 865.2174% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.0725% | 4,164 |
| Noncurrent loans to loans | 0.1478% | 3,862 |
| Net loans and leases to total assets | 48.4395% | 4,237 |
| Net loans and leases to deposits | 61.0303% | 4,064 |
| Net loans and leases to core deposits | 67.0580% | 3,919 |
| Total domestic deposits to total assets | 79.3695% | 3,959 |
| Equity capital to assets | 13.3260% | 1,034 |
| Core capital (leverage) ratio | 12.6036% | 1,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $30,973,000 | 4,921 |
| Average earning assets | $29,112,667 | 4,905 |
| Average equity | $4,095,667 | 4,887 |
| Average total loans | $15,314,667 | 4,860 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9851% | 3,835 |
| Cost of funding earning assets | 0.7334% | 2,767 |
| Net interest margin | 3.2517% | 3,721 |
| Noninterest income to average assets | 0.1699% | 4,514 |
| Noninterest expense to average assets | 2.3791% | 3,582 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8476% | 2,723 |
| Return on assets (ROA) | 0.7451% | 3,185 |
| Pretax return on assets | 0.7582% | 3,526 |
| Return on Equity (ROE) | 5.6576% | 3,435 |
| Retained earnings to average equity (ytd only) | -15.1861% | 4,901 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3871% | 1,894 |
| Assets per employee ($millions) | 4.3179% | 3,513 |
| Cash dividends to net income (ytd only)* | 368.4211% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3182% | 2,062 |
| Loan loss allowance to noncurrent loans | 710.7143% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.0926% | 4,151 |
| Noncurrent loans to loans | 0.1855% | 3,808 |
| Net loans and leases to total assets | 49.2870% | 4,273 |
| Net loans and leases to deposits | 61.7902% | 4,113 |
| Net loans and leases to core deposits | 68.1722% | 3,979 |
| Total domestic deposits to total assets | 79.7651% | 3,899 |
| Equity capital to assets | 13.1944% | 1,344 |
| Core capital (leverage) ratio | 12.7799% | 1,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $30,599,500 | 4,965 |
| Average earning assets | $28,908,000 | 4,948 |
| Average equity | $4,030,000 | 4,933 |
| Average total loans | $15,190,000 | 4,898 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0307% | 4,188 |
| Cost of funding earning assets | 0.8449% | 2,458 |
| Net interest margin | 3.1858% | 4,214 |
| Noninterest income to average assets | 0.2009% | 4,458 |
| Noninterest expense to average assets | 2.3503% | 3,824 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8772% | 3,293 |
| Return on assets (ROA) | 0.8772% | 3,379 |
| Pretax return on assets | 0.8805% | 3,792 |
| Return on Equity (ROE) | 6.5651% | 3,720 |
| Retained earnings to average equity (ytd only) | -2.2552% | 4,882 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7461% | 1,766 |
| Assets per employee ($millions) | 4.4249% | 3,341 |
| Cash dividends to net income (ytd only)* | 134.3511% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3020% | 1,913 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 48.7021% | 4,387 |
| Net loans and leases to deposits | 57.2073% | 4,409 |
| Net loans and leases to core deposits | 63.2840% | 4,313 |
| Total domestic deposits to total assets | 85.1327% | 2,442 |
| Equity capital to assets | 13.1465% | 1,437 |
| Core capital (leverage) ratio | 13.0820% | 1,203 |
| Tier 1 risk-based capital ratio | 22.2791% | 993 |
| Total risk-based capital ratio | 23.4119% | 980 |
| Memoranda: | ||
| Average total assets | $29,868,200 | 5,027 |
| Average earning assets | $28,407,000 | 5,003 |
| Average equity | $3,990,800 | 4,992 |
| Average total loans | $15,028,800 | 4,966 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0480% | 4,262 |
| Cost of funding earning assets | 0.8068% | 2,678 |
| Net interest margin | 3.2413% | 4,206 |
| Noninterest income to average assets | 0.2118% | 4,454 |
| Noninterest expense to average assets | 2.3430% | 3,835 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9597% | 3,126 |
| Return on assets (ROA) | 0.9597% | 3,206 |
| Pretax return on assets | 0.9642% | 3,701 |
| Return on Equity (ROE) | 7.1525% | 3,623 |
| Retained earnings to average equity (ytd only) | -4.6677% | 5,052 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8447% | 1,993 |
| Assets per employee ($millions) | 4.3483% | 3,419 |
| Cash dividends to net income (ytd only)* | 165.2593% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3455% | 1,785 |
| Loan loss allowance to noncurrent loans | 390.1961% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.1676% | 3,906 |
| Noncurrent loans to loans | 0.3448% | 3,300 |
| Net loans and leases to total assets | 47.9368% | 4,512 |
| Net loans and leases to deposits | 56.7302% | 4,525 |
| Net loans and leases to core deposits | 62.9248% | 4,427 |
| Total domestic deposits to total assets | 84.4996% | 2,630 |
| Equity capital to assets | 13.2203% | 1,502 |
| Core capital (leverage) ratio | 12.6602% | 1,499 |
| Tier 1 risk-based capital ratio | 22.5841% | 998 |
| Total risk-based capital ratio | 23.7538% | 977 |
| Memoranda: | ||
| Average total assets | $29,591,750 | 5,106 |
| Average earning assets | $28,260,000 | 5,082 |
| Average equity | $3,970,500 | 5,067 |
| Average total loans | $14,965,000 | 5,041 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0132% | 4,351 |
| Cost of funding earning assets | 0.7498% | 2,894 |
| Net interest margin | 3.2634% | 4,215 |
| Noninterest income to average assets | 0.2388% | 4,325 |
| Noninterest expense to average assets | 2.4019% | 3,729 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9485% | 3,099 |
| Return on assets (ROA) | 0.9485% | 3,166 |
| Pretax return on assets | 0.9553% | 3,695 |
| Return on Equity (ROE) | 7.0332% | 3,665 |
| Retained earnings to average equity (ytd only) | -10.1703% | 5,180 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5447% | 1,983 |
| Assets per employee ($millions) | 4.2046% | 3,567 |
| Cash dividends to net income (ytd only)* | 244.6043% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3441% | 1,834 |
| Loan loss allowance to noncurrent loans | 368.5185% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.1835% | 3,842 |
| Noncurrent loans to loans | 0.3647% | 3,218 |
| Net loans and leases to total assets | 49.6263% | 4,488 |
| Net loans and leases to deposits | 63.6233% | 4,245 |
| Net loans and leases to core deposits | 69.7983% | 4,117 |
| Total domestic deposits to total assets | 78.0001% | 4,397 |
| Equity capital to assets | 13.3460% | 1,408 |
| Core capital (leverage) ratio | 13.0334% | 1,284 |
| Tier 1 risk-based capital ratio | 22.4232% | 1,007 |
| Total risk-based capital ratio | 23.6034% | 996 |
| Memoranda: | ||
| Average total assets | $29,309,670 | 5,151 |
| Average earning assets | $28,007,330 | 5,128 |
| Average equity | $3,952,670 | 5,112 |
| Average total loans | $15,023,330 | 5,087 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9581% | 4,460 |
| Cost of funding earning assets | 0.7002% | 3,056 |
| Net interest margin | 3.2580% | 4,258 |
| Noninterest income to average assets | 0.2188% | 4,441 |
| Noninterest expense to average assets | 2.6258% | 3,138 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6975% | 3,943 |
| Return on assets (ROA) | 0.6975% | 3,983 |
| Pretax return on assets | 0.7111% | 4,275 |
| Return on Equity (ROE) | 5.1450% | 4,284 |
| Retained earnings to average equity (ytd only) | 5.1450% | 2,844 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6885% | 1,196 |
| Assets per employee ($millions) | 4.0857% | 3,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3667% | 1,799 |
| Loan loss allowance to noncurrent loans | 368.5185% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.1888% | 3,871 |
| Noncurrent loans to loans | 0.3709% | 3,258 |
| Net loans and leases to total assets | 50.2168% | 4,451 |
| Net loans and leases to deposits | 61.5444% | 4,330 |
| Net loans and leases to core deposits | 66.6110% | 4,252 |
| Total domestic deposits to total assets | 81.5944% | 3,836 |
| Equity capital to assets | 14.2063% | 969 |
| Core capital (leverage) ratio | 14.0837% | 927 |
| Tier 1 risk-based capital ratio | 24.7925% | 771 |
| Total risk-based capital ratio | 26.0159% | 766 |
| Memoranda: | ||
| Average total assets | $29,248,500 | 5,209 |
| Average earning assets | $27,993,000 | 5,184 |
| Average equity | $3,965,000 | 5,153 |
| Average total loans | $15,132,500 | 5,147 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9107% | 4,249 |
| Cost of funding earning assets | 0.5807% | 2,848 |
| Net interest margin | 3.3300% | 4,182 |
| Noninterest income to average assets | 0.4354% | 3,199 |
| Noninterest expense to average assets | 2.4220% | 3,826 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1702% | 2,311 |
| Return on assets (ROA) | 1.1804% | 2,263 |
| Pretax return on assets | 1.1838% | 2,945 |
| Return on Equity (ROE) | 8.9217% | 3,033 |
| Retained earnings to average equity (ytd only) | 1.7483% | 4,446 |
| Net charge-offs to loans | -0.0337% | 4,853 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3605% | 2,647 |
| Assets per employee ($millions) | 4.2710% | 3,508 |
| Cash dividends to net income (ytd only)* | 80.4035% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2672% | 2,212 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 51.8614% | 4,417 |
| Net loans and leases to deposits | 64.0782% | 4,253 |
| Net loans and leases to core deposits | 69.1354% | 4,164 |
| Total domestic deposits to total assets | 80.9345% | 3,905 |
| Equity capital to assets | 12.9344% | 1,380 |
| Core capital (leverage) ratio | 13.8508% | 968 |
| Tier 1 risk-based capital ratio | 23.3545% | 878 |
| Total risk-based capital ratio | 24.5219% | 861 |
| Memoranda: | ||
| Average total assets | $29,396,800 | 5,250 |
| Average earning assets | $27,898,000 | 5,225 |
| Average equity | $3,889,400 | 5,196 |
| Average total loans | $14,836,800 | 5,198 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9016% | 4,209 |
| Cost of funding earning assets | 0.5189% | 3,069 |
| Net interest margin | 3.3826% | 4,056 |
| Noninterest income to average assets | 0.3826% | 3,584 |
| Noninterest expense to average assets | 2.2683% | 4,170 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3164% | 1,793 |
| Return on assets (ROA) | 1.3300% | 1,752 |
| Pretax return on assets | 1.3346% | 2,483 |
| Return on Equity (ROE) | 9.9954% | 2,624 |
| Retained earnings to average equity (ytd only) | 7.2911% | 1,979 |
| Net charge-offs to loans | -0.0547% | 4,966 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1980% | 3,301 |
| Assets per employee ($millions) | 4.7378% | 2,796 |
| Cash dividends to net income (ytd only)* | 27.0549% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3556% | 1,859 |
| Loan loss allowance to noncurrent loans | 74.8120% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 0.9357% | 1,568 |
| Noncurrent loans to loans | 1.8120% | 848 |
| Net loans and leases to total assets | 50.9410% | 4,531 |
| Net loans and leases to deposits | 62.7617% | 4,408 |
| Net loans and leases to core deposits | 67.9763% | 4,297 |
| Total domestic deposits to total assets | 81.1658% | 3,822 |
| Equity capital to assets | 13.7862% | 1,028 |
| Core capital (leverage) ratio | 14.1506% | 898 |
| Tier 1 risk-based capital ratio | 25.3685% | 721 |
| Total risk-based capital ratio | 26.5959% | 708 |
| Memoranda: | ||
| Average total assets | $29,271,750 | 5,319 |
| Average earning assets | $27,748,750 | 5,296 |
| Average equity | $3,895,000 | 5,261 |
| Average total loans | $14,620,000 | 5,268 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8234% | 4,293 |
| Cost of funding earning assets | 0.4887% | 3,102 |
| Net interest margin | 3.3347% | 4,144 |
| Noninterest income to average assets | 0.3451% | 3,868 |
| Noninterest expense to average assets | 2.3009% | 4,138 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1775% | 2,289 |
| Return on assets (ROA) | 1.1775% | 2,291 |
| Pretax return on assets | 1.1843% | 2,997 |
| Return on Equity (ROE) | 8.9529% | 3,042 |
| Retained earnings to average equity (ytd only) | 6.4317% | 2,347 |
| Net charge-offs to loans | -0.0685% | 5,034 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0194% | 2,978 |
| Assets per employee ($millions) | 4.8877% | 2,577 |
| Cash dividends to net income (ytd only)* | 28.1609% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3363% | 2,006 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 49.8500% | 4,618 |
| Net loans and leases to deposits | 61.6497% | 4,442 |
| Net loans and leases to core deposits | 66.6226% | 4,340 |
| Total domestic deposits to total assets | 80.8600% | 4,035 |
| Equity capital to assets | 13.2851% | 1,191 |
| Core capital (leverage) ratio | 13.7756% | 969 |
| Tier 1 risk-based capital ratio | 24.6506% | 769 |
| Total risk-based capital ratio | 25.8590% | 751 |
| Memoranda: | ||
| Average total assets | $29,553,330 | 5,381 |
| Average earning assets | $27,828,330 | 5,360 |
| Average equity | $3,887,000 | 5,320 |
| Average total loans | $14,600,000 | 5,330 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8581% | 4,058 |
| Cost of funding earning assets | 0.4751% | 3,005 |
| Net interest margin | 3.3830% | 3,939 |
| Noninterest income to average assets | 0.5124% | 2,735 |
| Noninterest expense to average assets | 2.4809% | 3,710 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1865% | 2,068 |
| Return on assets (ROA) | 1.1865% | 2,080 |
| Pretax return on assets | 1.2000% | 2,746 |
| Return on Equity (ROE) | 9.0663% | 2,881 |
| Retained earnings to average equity (ytd only) | 9.0663% | 1,441 |
| Net charge-offs to loans | -0.1380% | 5,300 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3993% | 2,931 |
| Assets per employee ($millions) | 4.8633% | 2,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4104% | 1,796 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 47.4332% | 4,725 |
| Net loans and leases to deposits | 56.9354% | 4,649 |
| Net loans and leases to core deposits | 61.4064% | 4,591 |
| Total domestic deposits to total assets | 83.3105% | 3,578 |
| Equity capital to assets | 13.2454% | 1,139 |
| Core capital (leverage) ratio | 13.6223% | 972 |
| Tier 1 risk-based capital ratio | 25.1730% | 740 |
| Total risk-based capital ratio | 26.4188% | 726 |
| Memoranda: | ||
| Average total assets | $29,667,000 | 5,438 |
| Average earning assets | $27,786,000 | 5,419 |
| Average equity | $3,882,500 | 5,377 |
| Average total loans | $14,491,500 | 5,389 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8285% | 3,948 |
| Cost of funding earning assets | 0.4382% | 2,893 |
| Net interest margin | 3.3902% | 3,879 |
| Noninterest income to average assets | 0.2586% | 4,584 |
| Noninterest expense to average assets | 2.2811% | 4,384 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1422% | 1,705 |
| Return on assets (ROA) | 1.1455% | 1,731 |
| Pretax return on assets | 1.1455% | 2,997 |
| Return on Equity (ROE) | 8.6720% | 2,464 |
| Retained earnings to average equity (ytd only) | 1.3380% | 4,478 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6348% | 3,144 |
| Assets per employee ($millions) | 5.0257% | 2,448 |
| Cash dividends to net income (ytd only)* | 84.5714% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2915% | 2,259 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 48.9189% | 4,706 |
| Net loans and leases to deposits | 59.6579% | 4,590 |
| Net loans and leases to core deposits | 64.2521% | 4,517 |
| Total domestic deposits to total assets | 81.9991% | 3,873 |
| Equity capital to assets | 12.9336% | 1,297 |
| Core capital (leverage) ratio | 12.8758% | 1,188 |
| Tier 1 risk-based capital ratio | 23.1324% | 902 |
| Total risk-based capital ratio | 24.2730% | 892 |
| Memoranda: | ||
| Average total assets | $30,554,800 | 5,484 |
| Average earning assets | $28,523,200 | 5,463 |
| Average equity | $4,036,000 | 5,415 |
| Average total loans | $14,869,200 | 5,441 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8227% | 3,931 |
| Cost of funding earning assets | 0.4019% | 3,172 |
| Net interest margin | 3.4209% | 3,770 |
| Noninterest income to average assets | 0.2610% | 4,640 |
| Noninterest expense to average assets | 2.0833% | 4,767 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3570% | 1,188 |
| Return on assets (ROA) | 1.3874% | 1,135 |
| Pretax return on assets | 1.3918% | 2,139 |
| Return on Equity (ROE) | 10.4501% | 1,930 |
| Retained earnings to average equity (ytd only) | 10.4501% | 500 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4798% | 4,133 |
| Assets per employee ($millions) | 5.0297% | 2,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3315% | 2,200 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 47.3921% | 4,863 |
| Net loans and leases to deposits | 57.4424% | 4,792 |
| Net loans and leases to core deposits | 61.8331% | 4,721 |
| Total domestic deposits to total assets | 82.5038% | 3,626 |
| Equity capital to assets | 14.0897% | 965 |
| Core capital (leverage) ratio | 13.8226% | 937 |
| Tier 1 risk-based capital ratio | 24.9299% | 761 |
| Total risk-based capital ratio | 26.0813% | 756 |
| Memoranda: | ||
| Average total assets | $30,655,000 | 5,538 |
| Average earning assets | $28,530,250 | 5,521 |
| Average equity | $4,070,000 | 5,473 |
| Average total loans | $14,850,500 | 5,499 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8630% | 3,672 |
| Cost of funding earning assets | 0.4089% | 2,989 |
| Net interest margin | 3.4541% | 3,573 |
| Noninterest income to average assets | 0.2466% | 4,763 |
| Noninterest expense to average assets | 2.1029% | 4,765 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3176% | 1,263 |
| Return on assets (ROA) | 1.3306% | 1,239 |
| Pretax return on assets | 1.3371% | 2,248 |
| Return on Equity (ROE) | 10.2261% | 1,944 |
| Retained earnings to average equity (ytd only) | 10.2261% | 543 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3636% | 4,107 |
| Assets per employee ($millions) | 5.0400% | 2,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3170% | 2,327 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 47.8208% | 4,833 |
| Net loans and leases to deposits | 59.4491% | 4,669 |
| Net loans and leases to core deposits | 64.1087% | 4,597 |
| Total domestic deposits to total assets | 80.4398% | 4,314 |
| Equity capital to assets | 13.8294% | 1,021 |
| Core capital (leverage) ratio | 13.5327% | 987 |
| Tier 1 risk-based capital ratio | 23.3819% | 907 |
| Total risk-based capital ratio | 24.4923% | 909 |
| Memoranda: | ||
| Average total assets | $30,814,000 | 5,582 |
| Average earning assets | $28,372,000 | 5,569 |
| Average equity | $4,009,330 | 5,524 |
| Average total loans | $14,969,000 | 5,544 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9921% | 3,065 |
| Cost of funding earning assets | 0.4105% | 2,898 |
| Net interest margin | 3.5816% | 2,960 |
| Noninterest income to average assets | 0.2701% | 4,609 |
| Noninterest expense to average assets | 2.0450% | 4,949 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4662% | 867 |
| Return on assets (ROA) | 1.4662% | 891 |
| Pretax return on assets | 1.4791% | 1,607 |
| Return on Equity (ROE) | 11.6238% | 1,360 |
| Retained earnings to average equity (ytd only) | 11.6238% | 512 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0292% | 4,709 |
| Assets per employee ($millions) | 5.2650% | 2,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3597% | 2,263 |
| Loan loss allowance to noncurrent loans | 133.1034% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 0.4590% | 3,368 |
| Noncurrent loans to loans | 1.0216% | 2,009 |
| Net loans and leases to total assets | 44.3210% | 5,020 |
| Net loans and leases to deposits | 52.7265% | 4,996 |
| Net loans and leases to core deposits | 56.4875% | 4,955 |
| Total domestic deposits to total assets | 84.0582% | 3,459 |
| Equity capital to assets | 12.6781% | 1,421 |
| Core capital (leverage) ratio | 13.1594% | 1,079 |
| Tier 1 risk-based capital ratio | 23.1761% | 953 |
| Total risk-based capital ratio | 24.3016% | 953 |
| Memoranda: | ||
| Average total assets | $31,101,000 | 5,647 |
| Average earning assets | $28,255,500 | 5,634 |
| Average equity | $3,923,000 | 5,590 |
| Average total loans | $15,126,500 | 5,606 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8178% | 3,843 |
| Cost of funding earning assets | 0.3868% | 3,136 |
| Net interest margin | 3.4310% | 3,708 |
| Noninterest income to average assets | 0.2969% | 4,617 |
| Noninterest expense to average assets | 2.2302% | 4,700 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2956% | 1,222 |
| Return on assets (ROA) | 1.3091% | 1,257 |
| Pretax return on assets | 1.3125% | 2,239 |
| Return on Equity (ROE) | 9.8758% | 2,013 |
| Retained earnings to average equity (ytd only) | 3.8434% | 3,188 |
| Net charge-offs to loans | 0.1189% | 2,066 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 21.3889% | 1,787 |
| Efficiency ratio | 63.1931% | 4,074 |
| Assets per employee ($millions) | 5.1020% | 2,285 |
| Cash dividends to net income (ytd only)* | 61.0825% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2018% | 3,116 |
| Loan loss allowance to noncurrent loans | 129.5302% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 0.4867% | 3,311 |
| Noncurrent loans to loans | 0.9278% | 2,237 |
| Net loans and leases to total assets | 51.8293% | 4,624 |
| Net loans and leases to deposits | 63.1282% | 4,467 |
| Net loans and leases to core deposits | 67.8992% | 4,407 |
| Total domestic deposits to total assets | 82.1018% | 4,047 |
| Equity capital to assets | 12.5474% | 1,492 |
| Core capital (leverage) ratio | 12.7238% | 1,245 |
| Tier 1 risk-based capital ratio | 20.6629% | 1,265 |
| Total risk-based capital ratio | 21.6963% | 1,269 |
| Memoranda: | ||
| Average total assets | $29,638,800 | 5,719 |
| Average earning assets | $27,921,600 | 5,689 |
| Average equity | $3,928,800 | 5,652 |
| Average total loans | $15,144,000 | 5,664 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8298% | 3,834 |
| Cost of funding earning assets | 0.3460% | 3,577 |
| Net interest margin | 3.4838% | 3,532 |
| Noninterest income to average assets | 0.2585% | 4,911 |
| Noninterest expense to average assets | 2.1182% | 4,973 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.4242% | 1,018 |
| Return on assets (ROA) | 1.4424% | 1,034 |
| Pretax return on assets | 1.4469% | 1,892 |
| Return on Equity (ROE) | 10.7319% | 1,778 |
| Retained earnings to average equity (ytd only) | 2.7337% | 4,255 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7187% | 4,583 |
| Assets per employee ($millions) | 4.9307% | 2,452 |
| Cash dividends to net income (ytd only)* | 74.5277% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3813% | 2,284 |
| Loan loss allowance to noncurrent loans | 334.9206% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.2130% | 4,579 |
| Noncurrent loans to loans | 0.4124% | 3,798 |
| Net loans and leases to total assets | 50.9194% | 4,743 |
| Net loans and leases to deposits | 61.4581% | 4,664 |
| Net loans and leases to core deposits | 66.2299% | 4,590 |
| Total domestic deposits to total assets | 82.8522% | 3,646 |
| Equity capital to assets | 13.6222% | 1,190 |
| Core capital (leverage) ratio | 12.9132% | 1,222 |
| Tier 1 risk-based capital ratio | 21.3321% | 1,218 |
| Total risk-based capital ratio | 22.5200% | 1,203 |
| Memoranda: | ||
| Average total assets | $29,395,500 | 5,780 |
| Average earning assets | $27,746,500 | 5,755 |
| Average equity | $3,950,750 | 5,710 |
| Average total loans | $14,915,250 | 5,726 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8114% | 3,920 |
| Cost of funding earning assets | 0.3472% | 3,602 |
| Net interest margin | 3.4643% | 3,633 |
| Noninterest income to average assets | 0.2659% | 4,887 |
| Noninterest expense to average assets | 2.1614% | 4,927 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3637% | 1,129 |
| Return on assets (ROA) | 1.3909% | 1,137 |
| Pretax return on assets | 1.3978% | 2,036 |
| Return on Equity (ROE) | 10.3967% | 1,889 |
| Retained earnings to average equity (ytd only) | 0.8154% | 5,056 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1969% | 4,478 |
| Assets per employee ($millions) | 4.8608% | 2,463 |
| Cash dividends to net income (ytd only)* | 92.1569% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3867% | 2,352 |
| Loan loss allowance to noncurrent loans | 468.8889% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.1543% | 4,894 |
| Noncurrent loans to loans | 0.2957% | 4,312 |
| Net loans and leases to total assets | 51.4487% | 4,721 |
| Net loans and leases to deposits | 60.9563% | 4,733 |
| Net loans and leases to core deposits | 65.6674% | 4,634 |
| Total domestic deposits to total assets | 84.4025% | 3,120 |
| Equity capital to assets | 13.7562% | 1,119 |
| Core capital (leverage) ratio | 12.7177% | 1,263 |
| Tier 1 risk-based capital ratio | 21.3716% | 1,215 |
| Total risk-based capital ratio | 22.5825% | 1,201 |
| Memoranda: | ||
| Average total assets | $29,332,670 | 5,855 |
| Average earning assets | $27,653,670 | 5,825 |
| Average equity | $3,924,330 | 5,778 |
| Average total loans | $14,795,330 | 5,795 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8551% | 3,750 |
| Cost of funding earning assets | 0.3346% | 3,781 |
| Net interest margin | 3.5205% | 3,393 |
| Noninterest income to average assets | 0.2856% | 4,681 |
| Noninterest expense to average assets | 2.0805% | 5,152 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4822% | 887 |
| Return on assets (ROA) | 1.4822% | 931 |
| Pretax return on assets | 1.4958% | 1,609 |
| Return on Equity (ROE) | 11.2357% | 1,517 |
| Retained earnings to average equity (ytd only) | -0.3092% | 5,165 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1749% | 4,975 |
| Assets per employee ($millions) | 4.8198% | 2,550 |
| Cash dividends to net income (ytd only)* | 102.7523% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4624% | 2,150 |
| 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 | 49.1615% | 4,878 |
| Net loans and leases to deposits | 58.0878% | 4,848 |
| Net loans and leases to core deposits | 62.6051% | 4,776 |
| Total domestic deposits to total assets | 84.6329% | 3,264 |
| Equity capital to assets | 13.5309% | 1,174 |
| Core capital (leverage) ratio | 12.6667% | 1,279 |
| Tier 1 risk-based capital ratio | 21.4435% | 1,240 |
| Total risk-based capital ratio | 22.6647% | 1,224 |
| Memoranda: | ||
| Average total assets | $29,416,500 | 5,914 |
| Average earning assets | $27,496,000 | 5,887 |
| Average equity | $3,880,500 | 5,831 |
| Average total loans | $14,585,000 | 5,858 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8194% | 3,985 |
| Cost of funding earning assets | 0.3100% | 4,142 |
| Net interest margin | 3.5094% | 3,489 |
| Noninterest income to average assets | 0.1896% | 5,460 |
| Noninterest expense to average assets | 2.3614% | 4,612 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1031% | 1,912 |
| Return on assets (ROA) | 1.1031% | 1,979 |
| Pretax return on assets | 1.1066% | 3,018 |
| Return on Equity (ROE) | 8.3713% | 2,771 |
| Retained earnings to average equity (ytd only) | 1.5173% | 4,860 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0915% | 3,556 |
| Assets per employee ($millions) | 4.9857% | 2,384 |
| Cash dividends to net income (ytd only)* | 81.8750% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4313% | 2,288 |
| 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 | 48.5759% | 4,969 |
| Net loans and leases to deposits | 56.9508% | 4,985 |
| Net loans and leases to core deposits | 61.1806% | 4,920 |
| Total domestic deposits to total assets | 85.2945% | 2,953 |
| Equity capital to assets | 12.8635% | 1,425 |
| Core capital (leverage) ratio | 12.6991% | 1,264 |
| Tier 1 risk-based capital ratio | 21.2213% | 1,262 |
| Total risk-based capital ratio | 22.4289% | 1,246 |
| Memoranda: | ||
| Average total assets | $29,008,800 | 5,974 |
| Average earning assets | $27,098,600 | 5,947 |
| Average equity | $3,822,600 | 5,885 |
| Average total loans | $13,863,400 | 5,927 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7922% | 4,110 |
| Cost of funding earning assets | 0.3115% | 4,206 |
| Net interest margin | 3.4807% | 3,624 |
| Noninterest income to average assets | 0.3243% | 4,621 |
| Noninterest expense to average assets | 2.2004% | 5,051 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3804% | 1,157 |
| Return on assets (ROA) | 1.3804% | 1,209 |
| Pretax return on assets | 1.3850% | 2,078 |
| Return on Equity (ROE) | 10.4113% | 1,931 |
| Retained earnings to average equity (ytd only) | 1.2578% | 5,219 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3695% | 4,666 |
| Assets per employee ($millions) | 4.6865% | 2,728 |
| Cash dividends to net income (ytd only)* | 87.9191% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4996% | 2,165 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1423% | 5,192 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 49.2870% | 4,988 |
| Net loans and leases to deposits | 58.2286% | 4,984 |
| Net loans and leases to core deposits | 62.8897% | 4,873 |
| Total domestic deposits to total assets | 84.6438% | 3,158 |
| Equity capital to assets | 13.7914% | 1,107 |
| Core capital (leverage) ratio | 13.0407% | 1,191 |
| Tier 1 risk-based capital ratio | 21.7689% | 1,229 |
| Total risk-based capital ratio | 23.0147% | 1,203 |
| Memoranda: | ||
| Average total assets | $28,782,500 | 6,060 |
| Average earning assets | $26,966,750 | 6,035 |
| Average equity | $3,816,250 | 5,968 |
| Average total loans | $13,643,750 | 6,012 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7516% | 4,231 |
| Cost of funding earning assets | 0.2960% | 4,434 |
| Net interest margin | 3.4556% | 3,683 |
| Noninterest income to average assets | 0.3655% | 4,327 |
| Noninterest expense to average assets | 2.2894% | 4,868 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2895% | 1,355 |
| Return on assets (ROA) | 1.2895% | 1,420 |
| Pretax return on assets | 1.2964% | 2,378 |
| Return on Equity (ROE) | 9.8533% | 2,136 |
| Retained earnings to average equity (ytd only) | -1.2119% | 5,723 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8462% | 4,380 |
| Assets per employee ($millions) | 4.8008% | 2,540 |
| Cash dividends to net income (ytd only)* | 112.2995% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5367% | 2,130 |
| Loan loss allowance to noncurrent loans | 1,623.0769% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.1840% | 5,131 |
| Noncurrent loans to loans | 0.0947% | 5,362 |
| Net loans and leases to total assets | 46.9363% | 5,180 |
| Net loans and leases to deposits | 56.3193% | 5,103 |
| Net loans and leases to core deposits | 60.7859% | 5,025 |
| Total domestic deposits to total assets | 83.3397% | 3,817 |
| Equity capital to assets | 13.0741% | 1,364 |
| Core capital (leverage) ratio | 12.7851% | 1,262 |
| Tier 1 risk-based capital ratio | 21.3982% | 1,296 |
| Total risk-based capital ratio | 22.6313% | 1,279 |
| Memoranda: | ||
| Average total assets | $29,003,670 | 6,126 |
| Average earning assets | $27,028,330 | 6,098 |
| Average equity | $3,795,670 | 6,031 |
| Average total loans | $13,501,670 | 6,076 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6227% | 4,618 |
| Cost of funding earning assets | 0.2969% | 4,475 |
| Net interest margin | 3.3258% | 4,109 |
| Noninterest income to average assets | 0.4123% | 3,900 |
| Noninterest expense to average assets | 2.7076% | 3,561 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7697% | 3,432 |
| Return on assets (ROA) | 0.7697% | 3,567 |
| Pretax return on assets | 0.7834% | 4,300 |
| Return on Equity (ROE) | 5.8785% | 4,088 |
| Retained earnings to average equity (ytd only) | -10.2874% | 6,142 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5591% | 2,257 |
| Assets per employee ($millions) | 4.7357% | 2,712 |
| Cash dividends to net income (ytd only)* | 275.0000% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6541% | 1,869 |
| Loan loss allowance to noncurrent loans | 781.4815% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.2358% | 4,992 |
| Noncurrent loans to loans | 0.2117% | 5,022 |
| Net loans and leases to total assets | 44.1508% | 5,341 |
| Net loans and leases to deposits | 51.0229% | 5,388 |
| Net loans and leases to core deposits | 54.9665% | 5,318 |
| Total domestic deposits to total assets | 86.5313% | 2,648 |
| Equity capital to assets | 13.3596% | 1,235 |
| Core capital (leverage) ratio | 12.6212% | 1,309 |
| Tier 1 risk-based capital ratio | 22.2299% | 1,204 |
| Total risk-based capital ratio | 23.4749% | 1,192 |
| Memoranda: | ||
| Average total assets | $29,103,000 | 6,186 |
| Average earning assets | $26,941,000 | 6,162 |
| Average equity | $3,810,500 | 6,082 |
| Average total loans | $13,387,000 | 6,141 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8376% | 4,365 |
| Cost of funding earning assets | 0.3348% | 4,435 |
| Net interest margin | 3.5028% | 3,774 |
| Noninterest income to average assets | 0.2508% | 5,332 |
| Noninterest expense to average assets | 2.0844% | 5,612 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.3896% | 1,101 |
| Return on assets (ROA) | 1.3896% | 1,137 |
| Pretax return on assets | 1.3930% | 1,909 |
| Return on Equity (ROE) | 11.4794% | 1,566 |
| Retained earnings to average equity (ytd only) | 10.2195% | 481 |
| Net charge-offs to loans | -0.0075% | 5,516 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9415% | 5,236 |
| Assets per employee ($millions) | 4.2560% | 3,442 |
| Cash dividends to net income (ytd only)* | 10.9756% | 4,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5052% | 2,447 |
| Loan loss allowance to noncurrent loans | 781.4815% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.2249% | 5,123 |
| Noncurrent loans to loans | 0.1926% | 5,130 |
| Net loans and leases to total assets | 46.3447% | 5,300 |
| Net loans and leases to deposits | 55.3054% | 5,222 |
| Net loans and leases to core deposits | 59.5052% | 5,175 |
| Total domestic deposits to total assets | 83.7977% | 3,804 |
| Equity capital to assets | 12.8390% | 1,443 |
| Core capital (leverage) ratio | 12.7018% | 1,253 |
| Tier 1 risk-based capital ratio | 22.6180% | 1,131 |
| Total risk-based capital ratio | 23.8694% | 1,118 |
| Memoranda: | ||
| Average total assets | $29,504,200 | 6,257 |
| Average earning assets | $27,178,400 | 6,236 |
| Average equity | $3,571,600 | 6,168 |
| Average total loans | $13,246,800 | 6,220 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8016% | 4,538 |
| Cost of funding earning assets | 0.3045% | 4,847 |
| Net interest margin | 3.4971% | 3,843 |
| Noninterest income to average assets | 0.3579% | 4,574 |
| Noninterest expense to average assets | 1.9072% | 5,942 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.6716% | 649 |
| Return on assets (ROA) | 1.6716% | 675 |
| Pretax return on assets | 1.6761% | 1,123 |
| Return on Equity (ROE) | 14.0238% | 977 |
| Retained earnings to average equity (ytd only) | 12.3135% | 389 |
| Net charge-offs to loans | -0.0102% | 5,431 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2238% | 5,901 |
| Assets per employee ($millions) | 4.1160% | 3,629 |
| Cash dividends to net income (ytd only)* | 12.1954% | 3,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5380% | 2,557 |
| Loan loss allowance to noncurrent loans | 340.3226% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.4755% | 4,470 |
| Noncurrent loans to loans | 0.4519% | 4,544 |
| Net loans and leases to total assets | 46.8832% | 5,301 |
| Net loans and leases to deposits | 55.7100% | 5,262 |
| Net loans and leases to core deposits | 60.0756% | 5,181 |
| Total domestic deposits to total assets | 84.1559% | 3,700 |
| Equity capital to assets | 13.0987% | 1,380 |
| Core capital (leverage) ratio | 12.4612% | 1,424 |
| Tier 1 risk-based capital ratio | 22.8823% | 1,131 |
| Total risk-based capital ratio | 24.1377% | 1,112 |
| Memoranda: | ||
| Average total assets | $29,432,250 | 6,333 |
| Average earning assets | $27,145,500 | 6,311 |
| Average equity | $3,508,250 | 6,248 |
| Average total loans | $13,054,000 | 6,299 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7522% | 4,682 |
| Cost of funding earning assets | 0.3324% | 4,618 |
| Net interest margin | 3.4198% | 4,101 |
| Noninterest income to average assets | 0.3509% | 4,616 |
| Noninterest expense to average assets | 1.8962% | 6,001 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5723% | 755 |
| Return on assets (ROA) | 1.5723% | 787 |
| Pretax return on assets | 1.5790% | 1,311 |
| Return on Equity (ROE) | 13.6270% | 1,025 |
| Retained earnings to average equity (ytd only) | 10.9952% | 542 |
| Net charge-offs to loans | -0.0156% | 5,447 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5631% | 5,867 |
| Assets per employee ($millions) | 4.7887% | 2,490 |
| Cash dividends to net income (ytd only)* | 19.3133% | 3,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5546% | 2,647 |
| Loan loss allowance to noncurrent loans | 175.8333% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.6787% | 3,960 |
| Noncurrent loans to loans | 0.8841% | 3,492 |
| Net loans and leases to total assets | 46.5056% | 5,314 |
| Net loans and leases to deposits | 57.6843% | 5,070 |
| Net loans and leases to core deposits | 61.0081% | 5,049 |
| Total domestic deposits to total assets | 80.6209% | 5,092 |
| Equity capital to assets | 12.6514% | 1,568 |
| Core capital (leverage) ratio | 12.2946% | 1,504 |
| Tier 1 risk-based capital ratio | 22.3237% | 1,214 |
| Total risk-based capital ratio | 23.5774% | 1,196 |
| Memoranda: | ||
| Average total assets | $29,639,000 | 6,390 |
| Average earning assets | $27,077,670 | 6,373 |
| Average equity | $3,419,670 | 6,310 |
| Average total loans | $12,832,330 | 6,360 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6985% | 4,856 |
| Cost of funding earning assets | 0.3430% | 4,609 |
| Net interest margin | 3.3555% | 4,314 |
| Noninterest income to average assets | 0.3589% | 4,517 |
| Noninterest expense to average assets | 1.9806% | 5,920 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3558% | 1,083 |
| Return on assets (ROA) | 1.3558% | 1,128 |
| Pretax return on assets | 1.3691% | 1,852 |
| Return on Equity (ROE) | 12.3188% | 1,336 |
| Retained earnings to average equity (ytd only) | 6.8841% | 2,097 |
| Net charge-offs to loans | -0.0321% | 5,596 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1270% | 5,520 |
| Assets per employee ($millions) | 4.6043% | 2,809 |
| Cash dividends to net income (ytd only)* | 44.1176% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7323% | 2,241 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2715% | 5,357 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 43.3251% | 5,568 |
| Net loans and leases to deposits | 50.6689% | 5,543 |
| Net loans and leases to core deposits | 54.2615% | 5,479 |
| Total domestic deposits to total assets | 85.5064% | 3,608 |
| Equity capital to assets | 12.3181% | 1,678 |
| Core capital (leverage) ratio | 12.0212% | 1,643 |
| Tier 1 risk-based capital ratio | 23.4001% | 1,089 |
| Total risk-based capital ratio | 24.6534% | 1,071 |
| Memoranda: | ||
| Average total assets | $30,092,500 | 6,446 |
| Average earning assets | $26,821,500 | 6,446 |
| Average equity | $3,312,000 | 6,388 |
| Average total loans | $12,462,000 | 6,437 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9286% | 4,359 |
| Cost of funding earning assets | 0.4387% | 4,234 |
| Net interest margin | 3.4900% | 3,947 |
| Noninterest income to average assets | 0.1922% | 5,941 |
| Noninterest expense to average assets | 1.9949% | 6,034 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.2029% | 1,555 |
| Return on assets (ROA) | 1.2361% | 1,495 |
| Pretax return on assets | 1.2361% | 2,435 |
| Return on Equity (ROE) | 10.9803% | 1,775 |
| Retained earnings to average equity (ytd only) | 0.7065% | 5,517 |
| Net charge-offs to loans | -0.0167% | 6,107 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3834% | 5,143 |
| Assets per employee ($millions) | 5.4265% | 1,729 |
| Cash dividends to net income (ytd only)* | 93.5657% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6478% | 2,577 |
| Loan loss allowance to noncurrent loans | 10,500.0000% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.2365% | 5,569 |
| Noncurrent loans to loans | 0.0157% | 6,225 |
| Net loans and leases to total assets | 38.4963% | 6,055 |
| Net loans and leases to deposits | 42.8045% | 6,181 |
| Net loans and leases to core deposits | 45.2165% | 6,176 |
| Total domestic deposits to total assets | 89.9352% | 1,107 |
| Equity capital to assets | 9.8928% | 3,910 |
| Core capital (leverage) ratio | 11.4701% | 1,987 |
| Tier 1 risk-based capital ratio | 20.7664% | 1,471 |
| Total risk-based capital ratio | 22.0185% | 1,450 |
| Memoranda: | ||
| Average total assets | $30,176,600 | 6,510 |
| Average earning assets | $25,988,600 | 6,530 |
| Average equity | $3,397,000 | 6,453 |
| Average total loans | $11,949,400 | 6,521 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9449% | 4,333 |
| Cost of funding earning assets | 0.4568% | 4,192 |
| Net interest margin | 3.4881% | 3,929 |
| Noninterest income to average assets | 0.3561% | 4,847 |
| Noninterest expense to average assets | 1.8705% | 6,225 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.5145% | 873 |
| Return on assets (ROA) | 1.5595% | 858 |
| Pretax return on assets | 1.5595% | 1,446 |
| Return on Equity (ROE) | 13.4066% | 1,138 |
| Retained earnings to average equity (ytd only) | -0.1162% | 5,960 |
| Net charge-offs to loans | -0.0227% | 6,084 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2597% | 5,998 |
| Assets per employee ($millions) | 4.8165% | 2,417 |
| Cash dividends to net income (ytd only)* | 100.8671% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7474% | 2,462 |
| Loan loss allowance to noncurrent loans | 840.0000% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.5190% | 4,883 |
| Noncurrent loans to loans | 0.2080% | 5,724 |
| Net loans and leases to total assets | 40.8595% | 5,974 |
| Net loans and leases to deposits | 46.1900% | 6,081 |
| Net loans and leases to core deposits | 49.1918% | 6,059 |
| Total domestic deposits to total assets | 88.4598% | 1,858 |
| Equity capital to assets | 11.3706% | 2,408 |
| Core capital (leverage) ratio | 11.1579% | 2,334 |
| Tier 1 risk-based capital ratio | 22.3426% | 1,253 |
| Total risk-based capital ratio | 23.6593% | 1,222 |
| Memoranda: | ||
| Average total assets | $29,581,000 | 6,595 |
| Average earning assets | $25,686,500 | 6,615 |
| Average equity | $3,441,000 | 6,523 |
| Average total loans | $11,750,750 | 6,599 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9711% | 4,218 |
| Cost of funding earning assets | 0.4914% | 3,977 |
| Net interest margin | 3.4797% | 3,872 |
| Noninterest income to average assets | 0.3355% | 5,002 |
| Noninterest expense to average assets | 1.9323% | 6,169 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3486% | 1,200 |
| Return on assets (ROA) | 1.4157% | 1,132 |
| Pretax return on assets | 1.4157% | 1,876 |
| Return on Equity (ROE) | 12.0824% | 1,466 |
| Retained earnings to average equity (ytd only) | -5.3827% | 6,479 |
| Net charge-offs to loans | -0.0343% | 6,135 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8957% | 5,612 |
| Assets per employee ($millions) | 4.9157% | 2,205 |
| Cash dividends to net income (ytd only)* | 144.5498% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8215% | 2,361 |
| Loan loss allowance to noncurrent loans | 338.7097% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.6340% | 4,647 |
| Noncurrent loans to loans | 0.5378% | 4,915 |
| Net loans and leases to total assets | 38.3773% | 6,153 |
| Net loans and leases to deposits | 43.0806% | 6,278 |
| Net loans and leases to core deposits | 46.3039% | 6,223 |
| Total domestic deposits to total assets | 89.0825% | 1,582 |
| Equity capital to assets | 10.7717% | 2,973 |
| Core capital (leverage) ratio | 10.5858% | 2,784 |
| Tier 1 risk-based capital ratio | 22.2472% | 1,243 |
| Total risk-based capital ratio | 23.5674% | 1,211 |
| Memoranda: | ||
| Average total assets | $29,808,330 | 6,640 |
| Average earning assets | $25,232,330 | 6,673 |
| Average equity | $3,492,670 | 6,563 |
| Average total loans | $11,661,670 | 6,644 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0694% | 3,846 |
| Cost of funding earning assets | 0.5209% | 3,879 |
| Net interest margin | 3.5485% | 3,483 |
| Noninterest income to average assets | 0.3070% | 5,236 |
| Noninterest expense to average assets | 2.1224% | 5,860 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0946% | 1,879 |
| Return on assets (ROA) | 1.2281% | 1,554 |
| Pretax return on assets | 1.2281% | 2,479 |
| Return on Equity (ROE) | 10.0808% | 2,030 |
| Retained earnings to average equity (ytd only) | -15.0116% | 6,743 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9751% | 4,665 |
| Assets per employee ($millions) | 5.2653% | 1,906 |
| Cash dividends to net income (ytd only)* | 248.9130% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8603% | 2,420 |
| Loan loss allowance to noncurrent loans | 301.4493% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.6141% | 4,851 |
| Noncurrent loans to loans | 0.6171% | 4,901 |
| Net loans and leases to total assets | 34.7335% | 6,379 |
| Net loans and leases to deposits | 39.7443% | 6,431 |
| Net loans and leases to core deposits | 42.5640% | 6,381 |
| Total domestic deposits to total assets | 87.3924% | 2,698 |
| Equity capital to assets | 11.2244% | 2,713 |
| Core capital (leverage) ratio | 10.3326% | 2,993 |
| Tier 1 risk-based capital ratio | 21.5740% | 1,409 |
| Total risk-based capital ratio | 22.8926% | 1,372 |
| Memoranda: | ||
| Average total assets | $29,965,500 | 6,706 |
| Average earning assets | $24,573,500 | 6,757 |
| Average equity | $3,650,500 | 6,600 |
| Average total loans | $11,728,000 | 6,710 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7130% | 2,544 |
| Cost of funding earning assets | 0.6625% | 3,807 |
| Net interest margin | 4.0505% | 2,197 |
| Noninterest income to average assets | 0.1999% | 5,989 |
| Noninterest expense to average assets | 2.2164% | 5,891 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.6061% | 748 |
| Return on assets (ROA) | 1.6061% | 827 |
| Pretax return on assets | 1.6061% | 1,364 |
| Return on Equity (ROE) | 12.4695% | 1,369 |
| Retained earnings to average equity (ytd only) | 4.2396% | 3,245 |
| Net charge-offs to loans | -0.0076% | 6,427 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9832% | 5,830 |
| Assets per employee ($millions) | 4.7232% | 2,614 |
| Cash dividends to net income (ytd only)* | 66.0000% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6945% | 2,958 |
| Loan loss allowance to noncurrent loans | 2,080.0000% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.4764% | 5,281 |
| Noncurrent loans to loans | 0.0815% | 6,279 |
| Net loans and leases to total assets | 42.5809% | 5,941 |
| Net loans and leases to deposits | 50.0415% | 5,952 |
| Net loans and leases to core deposits | 54.1364% | 5,861 |
| Total domestic deposits to total assets | 85.0912% | 3,821 |
| Equity capital to assets | 13.2503% | 1,329 |
| Core capital (leverage) ratio | 11.3793% | 1,952 |
| Tier 1 risk-based capital ratio | 21.7859% | 1,304 |
| Total risk-based capital ratio | 23.1016% | 1,259 |
| Memoranda: | ||
| Average total assets | $28,018,200 | 6,804 |
| Average earning assets | $25,058,400 | 6,784 |
| Average equity | $3,608,800 | 6,664 |
| Average total loans | $13,243,800 | 6,725 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6296% | 3,100 |
| Cost of funding earning assets | 0.6894% | 3,859 |
| Net interest margin | 3.9402% | 2,755 |
| Noninterest income to average assets | 0.3150% | 5,260 |
| Noninterest expense to average assets | 2.0569% | 6,252 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.8040% | 560 |
| Return on assets (ROA) | 1.8040% | 634 |
| Pretax return on assets | 1.8040% | 1,042 |
| Return on Equity (ROE) | 14.1085% | 1,087 |
| Retained earnings to average equity (ytd only) | 3.0233% | 4,738 |
| Net charge-offs to loans | -0.0198% | 6,494 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2756% | 6,322 |
| Assets per employee ($millions) | 4.7868% | 2,471 |
| Cash dividends to net income (ytd only)* | 78.5710% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5192% | 3,872 |
| Loan loss allowance to noncurrent loans | 1,094.7368% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.8147% | 4,667 |
| Noncurrent loans to loans | 0.1388% | 6,252 |
| Net loans and leases to total assets | 46.9447% | 5,664 |
| Net loans and leases to deposits | 54.9183% | 5,723 |
| Net loans and leases to core deposits | 58.5530% | 5,699 |
| Total domestic deposits to total assets | 85.4810% | 3,519 |
| Equity capital to assets | 12.9383% | 1,623 |
| Core capital (leverage) ratio | 11.5690% | 1,936 |
| Tier 1 risk-based capital ratio | 19.3355% | 1,914 |
| Total risk-based capital ratio | 20.5966% | 1,885 |
| Memoranda: | ||
| Average total assets | $27,938,000 | 6,893 |
| Average earning assets | $25,141,750 | 6,873 |
| Average equity | $3,572,250 | 6,751 |
| Average total loans | $13,486,000 | 6,805 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6831% | 2,993 |
| Cost of funding earning assets | 0.7113% | 3,928 |
| Net interest margin | 3.9718% | 2,626 |
| Noninterest income to average assets | 0.2963% | 5,437 |
| Noninterest expense to average assets | 2.0739% | 6,282 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.8138% | 546 |
| Return on assets (ROA) | 1.8138% | 617 |
| Pretax return on assets | 1.8138% | 1,014 |
| Return on Equity (ROE) | 14.2438% | 1,062 |
| Retained earnings to average equity (ytd only) | 0.6810% | 5,789 |
| Net charge-offs to loans | 0.0149% | 5,217 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 251.0000% | 171 |
| Efficiency ratio | 53.3457% | 6,381 |
| Assets per employee ($millions) | 4.7167% | 2,547 |
| Cash dividends to net income (ytd only)* | 95.2191% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5104% | 3,968 |
| Loan loss allowance to noncurrent loans | 2,060.0000% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.7951% | 4,811 |
| Noncurrent loans to loans | 0.0733% | 6,480 |
| Net loans and leases to total assets | 47.4664% | 5,667 |
| Net loans and leases to deposits | 59.2885% | 5,305 |
| Net loans and leases to core deposits | 63.5641% | 5,249 |
| Total domestic deposits to total assets | 80.0601% | 5,724 |
| Equity capital to assets | 12.7138% | 1,674 |
| Core capital (leverage) ratio | 11.4181% | 1,957 |
| Tier 1 risk-based capital ratio | 18.6648% | 2,083 |
| Total risk-based capital ratio | 19.8971% | 2,043 |
| Memoranda: | ||
| Average total assets | $27,677,000 | 6,955 |
| Average earning assets | $25,026,330 | 6,928 |
| Average equity | $3,524,330 | 6,802 |
| Average total loans | $13,417,670 | 6,861 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8368% | 2,497 |
| Cost of funding earning assets | 0.7255% | 4,072 |
| Net interest margin | 4.1112% | 2,054 |
| Noninterest income to average assets | 0.2777% | 5,644 |
| Noninterest expense to average assets | 2.3826% | 5,534 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.6225% | 827 |
| Return on assets (ROA) | 1.6225% | 926 |
| Pretax return on assets | 1.6225% | 1,495 |
| Return on Equity (ROE) | 12.7312% | 1,481 |
| Retained earnings to average equity (ytd only) | -4.9319% | 6,576 |
| Net charge-offs to loans | 0.0601% | 3,896 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 55.5000% | 583 |
| Efficiency ratio | 59.4891% | 5,697 |
| Assets per employee ($millions) | 4.5432% | 2,912 |
| Cash dividends to net income (ytd only)* | 138.7387% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6380% | 3,584 |
| Loan loss allowance to noncurrent loans | 2,562.5000% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.8181% | 4,899 |
| Noncurrent loans to loans | 0.0639% | 6,593 |
| Net loans and leases to total assets | 45.1594% | 5,878 |
| Net loans and leases to deposits | 55.8936% | 5,615 |
| Net loans and leases to core deposits | 60.0488% | 5,523 |
| Total domestic deposits to total assets | 80.7953% | 5,653 |
| Equity capital to assets | 12.7994% | 1,544 |
| Core capital (leverage) ratio | 11.3901% | 1,972 |
| Tier 1 risk-based capital ratio | 19.8062% | 1,757 |
| Total risk-based capital ratio | 21.1176% | 1,715 |
| Memoranda: | ||
| Average total assets | $27,365,500 | 7,020 |
| Average earning assets | $24,810,000 | 6,987 |
| Average equity | $3,487,500 | 6,855 |
| Average total loans | $13,307,000 | 6,924 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1036% | 2,441 |
| Cost of funding earning assets | 1.0207% | 3,231 |
| Net interest margin | 4.0829% | 2,511 |
| Noninterest income to average assets | 0.0901% | 6,682 |
| Noninterest expense to average assets | 2.2889% | 6,069 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.5212% | 787 |
| Return on assets (ROA) | 1.6834% | 604 |
| Pretax return on assets | 1.6834% | 1,026 |
| Return on Equity (ROE) | 14.3728% | 849 |
| Retained earnings to average equity (ytd only) | 4.5857% | 2,914 |
| Net charge-offs to loans | 0.1284% | 5,113 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 23.4444% | 1,025 |
| Efficiency ratio | 60.0757% | 5,745 |
| Assets per employee ($millions) | 4.5787% | 2,786 |
| Cash dividends to net income (ytd only)* | 68.0942% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4682% | 4,156 |
| Loan loss allowance to noncurrent loans | 10,350.0000% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.7899% | 5,055 |
| Noncurrent loans to loans | 0.0142% | 6,803 |
| Net loans and leases to total assets | 50.5679% | 5,517 |
| Net loans and leases to deposits | 64.6500% | 4,915 |
| Net loans and leases to core deposits | 68.7043% | 4,945 |
| Total domestic deposits to total assets | 78.2178% | 6,152 |
| Equity capital to assets | 12.6893% | 1,662 |
| Core capital (leverage) ratio | 11.5026% | 1,886 |
| Tier 1 risk-based capital ratio | 18.2877% | 2,109 |
| Total risk-based capital ratio | 19.5057% | 2,084 |
| Memoranda: | ||
| Average total assets | $27,742,000 | 7,034 |
| Average earning assets | $25,276,400 | 7,005 |
| Average equity | $3,249,200 | 6,949 |
| Average total loans | $14,020,800 | 6,949 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1808% | 2,278 |
| Cost of funding earning assets | 1.1018% | 2,969 |
| Net interest margin | 4.0789% | 2,560 |
| Noninterest income to average assets | 0.0863% | 6,804 |
| Noninterest expense to average assets | 2.1047% | 6,499 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.6732% | 673 |
| Return on assets (ROA) | 1.8890% | 473 |
| Pretax return on assets | 1.8890% | 804 |
| Return on Equity (ROE) | 16.4677% | 615 |
| Retained earnings to average equity (ytd only) | 3.1765% | 4,441 |
| Net charge-offs to loans | -0.0666% | 7,103 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7107% | 6,320 |
| Assets per employee ($millions) | 5.3914% | 1,706 |
| Cash dividends to net income (ytd only)* | 80.7108% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6581% | 3,423 |
| Loan loss allowance to noncurrent loans | 23,200.0000% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.8718% | 4,998 |
| Noncurrent loans to loans | 0.0071% | 6,948 |
| Net loans and leases to total assets | 51.0443% | 5,572 |
| Net loans and leases to deposits | 63.1946% | 5,268 |
| Net loans and leases to core deposits | 67.1023% | 5,295 |
| Total domestic deposits to total assets | 80.7731% | 5,508 |
| Equity capital to assets | 12.6461% | 1,823 |
| Core capital (leverage) ratio | 11.1026% | 2,314 |
| Tier 1 risk-based capital ratio | 17.8397% | 2,316 |
| Total risk-based capital ratio | 19.1451% | 2,256 |
| Memoranda: | ||
| Average total assets | $27,809,500 | 7,097 |
| Average earning assets | $25,169,500 | 7,078 |
| Average equity | $3,190,000 | 7,022 |
| Average total loans | $14,001,250 | 7,020 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1844% | 2,327 |
| Cost of funding earning assets | 1.1732% | 2,759 |
| Net interest margin | 4.0112% | 2,786 |
| Noninterest income to average assets | 0.2634% | 5,768 |
| Noninterest expense to average assets | 2.1784% | 6,433 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.6872% | 619 |
| Return on assets (ROA) | 1.9293% | 407 |
| Pretax return on assets | 1.9293% | 664 |
| Return on Equity (ROE) | 17.3885% | 515 |
| Retained earnings to average equity (ytd only) | 3.4007% | 4,098 |
| Net charge-offs to loans | -0.0857% | 7,129 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3536% | 6,385 |
| Assets per employee ($millions) | 4.8378% | 2,364 |
| Cash dividends to net income (ytd only)* | 80.4428% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6359% | 3,555 |
| Loan loss allowance to noncurrent loans | 23,100.0000% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.9508% | 4,961 |
| Noncurrent loans to loans | 0.0071% | 6,994 |
| Net loans and leases to total assets | 47.8520% | 6,067 |
| Net loans and leases to deposits | 60.6895% | 5,653 |
| Net loans and leases to core deposits | 64.2490% | 5,701 |
| Total domestic deposits to total assets | 78.8473% | 6,124 |
| Equity capital to assets | 11.2654% | 2,712 |
| Core capital (leverage) ratio | 10.8096% | 2,414 |
| Tier 1 risk-based capital ratio | 17.4811% | 2,346 |
| Total risk-based capital ratio | 18.7348% | 2,315 |
| Memoranda: | ||
| Average total assets | $28,093,670 | 7,158 |
| Average earning assets | $25,229,670 | 7,143 |
| Average equity | $3,117,000 | 7,098 |
| Average total loans | $14,004,330 | 7,086 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2134% | 2,175 |
| Cost of funding earning assets | 1.2202% | 2,683 |
| Net interest margin | 3.9933% | 2,712 |
| Noninterest income to average assets | 0.2461% | 5,930 |
| Noninterest expense to average assets | 2.2876% | 6,220 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.6071% | 680 |
| Return on assets (ROA) | 1.6071% | 724 |
| Pretax return on assets | 1.6071% | 1,174 |
| Return on Equity (ROE) | 14.6029% | 882 |
| Retained earnings to average equity (ytd only) | -6.7094% | 6,650 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7361% | 6,168 |
| Assets per employee ($millions) | 4.6917% | 2,592 |
| Cash dividends to net income (ytd only)* | 145.9459% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6387% | 3,577 |
| Loan loss allowance to noncurrent loans | 2,045.4545% | 212 |
| Noncurrent assets plus other real estate owned to assets | 1.0160% | 4,875 |
| Noncurrent loans to loans | 0.0801% | 6,841 |
| Net loans and leases to total assets | 47.9751% | 6,080 |
| Net loans and leases to deposits | 60.7212% | 5,652 |
| Net loans and leases to core deposits | 64.3923% | 5,687 |
| Total domestic deposits to total assets | 79.0089% | 6,186 |
| Equity capital to assets | 10.7567% | 2,920 |
| Core capital (leverage) ratio | 10.4942% | 2,617 |
| Tier 1 risk-based capital ratio | 16.9473% | 2,500 |
| Total risk-based capital ratio | 18.1998% | 2,472 |
| Memoranda: | ||
| Average total assets | $27,627,000 | 7,218 |
| Average earning assets | $25,242,500 | 7,191 |
| Average equity | $3,040,500 | 7,157 |
| Average total loans | $13,946,000 | 7,143 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6820% | 1,636 |
| Cost of funding earning assets | 1.5310% | 2,478 |
| Net interest margin | 4.1510% | 2,362 |
| Noninterest income to average assets | 0.2586% | 5,950 |
| Noninterest expense to average assets | 2.5099% | 5,755 |
| Loan and lease loss provision to assets | 0.2186% | 5,078 |
| Net operating income to assets | 1.2932% | 1,192 |
| Return on assets (ROA) | 1.4717% | 877 |
| Pretax return on assets | 1.4717% | 1,447 |
| Return on Equity (ROE) | 12.9887% | 1,088 |
| Retained earnings to average equity (ytd only) | 7.7803% | 1,046 |
| Net charge-offs to loans | 0.0423% | 6,384 |
| Credit loss provision to net charge-offs | 1,000.0000% | 219 |
| Earnings coverage of net charge-offs (x) | 69.1667% | 352 |
| Efficiency ratio | 62.4094% | 5,658 |
| Assets per employee ($millions) | 4.5173% | 2,834 |
| Cash dividends to net income (ytd only)* | 40.0990% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5888% | 3,620 |
| Loan loss allowance to noncurrent loans | 4,500.0000% | 115 |
| Noncurrent assets plus other real estate owned to assets | 1.0331% | 4,931 |
| Noncurrent loans to loans | 0.0353% | 7,042 |
| Net loans and leases to total assets | 51.4205% | 5,999 |
| Net loans and leases to deposits | 66.0271% | 5,396 |
| Net loans and leases to core deposits | 69.3349% | 5,507 |
| Total domestic deposits to total assets | 77.8778% | 6,342 |
| Equity capital to assets | 11.2640% | 2,443 |
| Core capital (leverage) ratio | 10.6723% | 2,399 |
| Tier 1 risk-based capital ratio | 17.0528% | 2,331 |
| Total risk-based capital ratio | 18.3495% | 2,284 |
| Memoranda: | ||
| Average total assets | $27,451,600 | 7,280 |
| Average earning assets | $24,885,800 | 7,261 |
| Average equity | $3,110,400 | 7,248 |
| Average total loans | $14,175,800 | 7,199 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7272% | 1,620 |
| Cost of funding earning assets | 1.5620% | 2,597 |
| Net interest margin | 4.1653% | 2,350 |
| Noninterest income to average assets | 0.2372% | 6,192 |
| Noninterest expense to average assets | 2.3046% | 6,312 |
| Loan and lease loss provision to assets | 0.1695% | 5,345 |
| Net operating income to assets | 1.5203% | 882 |
| Return on assets (ROA) | 1.7575% | 606 |
| Pretax return on assets | 1.7575% | 1,000 |
| Return on Equity (ROE) | 15.4889% | 779 |
| Retained earnings to average equity (ytd only) | 8.5764% | 1,214 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6970% | 6,309 |
| Assets per employee ($millions) | 4.6608% | 2,665 |
| Cash dividends to net income (ytd only)* | 44.6270% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4102% | 4,402 |
| Loan loss allowance to noncurrent loans | 52.2843% | 4,801 |
| Noncurrent assets plus other real estate owned to assets | 2.3923% | 2,989 |
| Noncurrent loans to loans | 2.6972% | 2,935 |
| Net loans and leases to total assets | 51.5001% | 6,157 |
| Net loans and leases to deposits | 66.0854% | 5,661 |
| Net loans and leases to core deposits | 69.2870% | 5,825 |
| Total domestic deposits to total assets | 77.9296% | 6,273 |
| Equity capital to assets | 11.6646% | 2,393 |
| Core capital (leverage) ratio | 10.6235% | 2,573 |
| Tier 1 risk-based capital ratio | 16.3500% | 2,613 |
| Total risk-based capital ratio | 17.5046% | 2,606 |
| Memoranda: | ||
| Average total assets | $27,538,500 | 7,372 |
| Average earning assets | $24,839,750 | 7,354 |
| Average equity | $3,124,750 | 7,325 |
| Average total loans | $14,179,250 | 7,293 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7245% | 1,674 |
| Cost of funding earning assets | 1.5852% | 2,744 |
| Net interest margin | 4.1393% | 2,382 |
| Noninterest income to average assets | 0.1825% | 6,605 |
| Noninterest expense to average assets | 2.2558% | 6,493 |
| Loan and lease loss provision to assets | 0.0365% | 6,592 |
| Net operating income to assets | 1.6645% | 627 |
| Return on assets (ROA) | 1.7667% | 563 |
| Pretax return on assets | 1.7667% | 934 |
| Return on Equity (ROE) | 15.7194% | 733 |
| Retained earnings to average equity (ytd only) | 9.0289% | 1,097 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0111% | 6,507 |
| Assets per employee ($millions) | 4.4768% | 2,916 |
| Cash dividends to net income (ytd only)* | 42.5620% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2247% | 5,328 |
| Loan loss allowance to noncurrent loans | 1,600.0000% | 236 |
| Noncurrent assets plus other real estate owned to assets | 1.0647% | 5,008 |
| Noncurrent loans to loans | 0.0765% | 7,117 |
| Net loans and leases to total assets | 52.8461% | 6,124 |
| Net loans and leases to deposits | 68.4096% | 5,508 |
| Net loans and leases to core deposits | 71.8989% | 5,682 |
| Total domestic deposits to total assets | 77.2495% | 6,440 |
| Equity capital to assets | 11.9430% | 2,130 |
| Core capital (leverage) ratio | 10.5188% | 2,619 |
| Tier 1 risk-based capital ratio | 16.4120% | 2,510 |
| Total risk-based capital ratio | 17.4230% | 2,559 |
| Memoranda: | ||
| Average total assets | $27,396,330 | 7,432 |
| Average earning assets | $24,980,330 | 7,402 |
| Average equity | $3,079,000 | 7,393 |
| Average total loans | $14,036,330 | 7,356 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7388% | 1,643 |
| Cost of funding earning assets | 1.6145% | 2,872 |
| Net interest margin | 4.1243% | 2,340 |
| Noninterest income to average assets | 0.2169% | 6,412 |
| Noninterest expense to average assets | 2.4291% | 5,985 |
| Loan and lease loss provision to assets | 0.0723% | 5,913 |
| Net operating income to assets | 1.4459% | 991 |
| Return on assets (ROA) | 1.4459% | 1,064 |
| Pretax return on assets | 1.4459% | 1,650 |
| Return on Equity (ROE) | 13.2692% | 1,200 |
| Retained earnings to average equity (ytd only) | 13.2692% | 589 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5385% | 5,906 |
| Assets per employee ($millions) | 4.4488% | 3,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2832% | 5,032 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0302% | 5,091 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 50.7249% | 6,401 |
| Net loans and leases to deposits | 65.3633% | 5,892 |
| Net loans and leases to core deposits | 68.7031% | 6,032 |
| Total domestic deposits to total assets | 77.6046% | 6,429 |
| Equity capital to assets | 11.4937% | 2,368 |
| Core capital (leverage) ratio | 10.4513% | 2,668 |
| Tier 1 risk-based capital ratio | 16.5006% | 2,450 |
| Total risk-based capital ratio | 17.5319% | 2,496 |
| Memoranda: | ||
| Average total assets | $27,664,000 | 7,518 |
| Average earning assets | $25,022,500 | 7,494 |
| Average equity | $3,014,500 | 7,491 |
| Average total loans | $13,869,000 | 7,453 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0542% | 1,660 |
| Cost of funding earning assets | 2.0261% | 2,839 |
| Net interest margin | 4.0282% | 2,752 |
| Noninterest income to average assets | 0.3629% | 5,498 |
| Noninterest expense to average assets | 2.3681% | 6,557 |
| Loan and lease loss provision to assets | 0.2199% | 5,605 |
| Net operating income to assets | 1.4737% | 707 |
| Return on assets (ROA) | 1.4737% | 773 |
| Pretax return on assets | 1.4773% | 1,242 |
| Return on Equity (ROE) | 13.8306% | 814 |
| Retained earnings to average equity (ytd only) | -6.1240% | 6,160 |
| Net charge-offs to loans | 0.0074% | 7,130 |
| Credit loss provision to net charge-offs | 6,000.0000% | 58 |
| Earnings coverage of net charge-offs (x) | 463.0000% | 58 |
| Efficiency ratio | 58.2507% | 6,726 |
| Assets per employee ($millions) | 4.7725% | 2,514 |
| Cash dividends to net income (ytd only)* | 144.2786% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2195% | 5,241 |
| Loan loss allowance to noncurrent loans | 112.5000% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 1.5331% | 4,080 |
| Noncurrent loans to loans | 1.0840% | 5,154 |
| Net loans and leases to total assets | 48.3709% | 6,782 |
| Net loans and leases to deposits | 63.2091% | 6,343 |
| Net loans and leases to core deposits | 77.1171% | 6,329 |
| Total domestic deposits to total assets | 76.5252% | 6,582 |
| Equity capital to assets | 10.3405% | 3,354 |
| Core capital (leverage) ratio | 9.7797% | 3,352 |
| Tier 1 risk-based capital ratio | 15.4938% | 2,717 |
| Total risk-based capital ratio | 16.4690% | 2,798 |
| Memoranda: | ||
| Average total assets | $27,279,200 | 7,572 |
| Average earning assets | $25,073,400 | 7,539 |
| Average equity | $2,906,600 | 7,613 |
| Average total loans | $13,535,800 | 7,521 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0436% | 1,863 |
| Cost of funding earning assets | 2.0998% | 2,893 |
| Net interest margin | 3.9438% | 3,070 |
| Noninterest income to average assets | 0.3761% | 5,500 |
| Noninterest expense to average assets | 2.2914% | 6,730 |
| Loan and lease loss provision to assets | 0.2227% | 5,191 |
| Net operating income to assets | 1.5194% | 782 |
| Return on assets (ROA) | 1.5194% | 833 |
| Pretax return on assets | 1.5243% | 1,343 |
| Return on Equity (ROE) | 14.1486% | 901 |
| Retained earnings to average equity (ytd only) | -12.5817% | 6,981 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7402% | 6,898 |
| Assets per employee ($millions) | 4.6745% | 2,598 |
| Cash dividends to net income (ytd only)* | 188.9255% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1079% | 5,676 |
| Loan loss allowance to noncurrent loans | 101.9608% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 1.5688% | 4,010 |
| Noncurrent loans to loans | 1.0866% | 5,134 |
| Net loans and leases to total assets | 49.6488% | 6,803 |
| Net loans and leases to deposits | 67.7088% | 6,156 |
| Net loans and leases to core deposits | 83.6839% | 6,066 |
| Total domestic deposits to total assets | 73.3269% | 7,043 |
| Equity capital to assets | 10.4610% | 3,556 |
| Core capital (leverage) ratio | 9.5318% | 3,869 |
| Tier 1 risk-based capital ratio | 14.9240% | 3,074 |
| Total risk-based capital ratio | 15.8119% | 3,190 |
| Memoranda: | ||
| Average total assets | $26,940,250 | 7,652 |
| Average earning assets | $25,017,500 | 7,612 |
| Average equity | $2,893,000 | 7,693 |
| Average total loans | $13,414,250 | 7,600 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0769% | 1,869 |
| Cost of funding earning assets | 2.1281% | 3,146 |
| Net interest margin | 3.9488% | 2,890 |
| Noninterest income to average assets | 0.3989% | 5,299 |
| Noninterest expense to average assets | 2.3634% | 6,576 |
| Loan and lease loss provision to assets | 0.2258% | 4,769 |
| Net operating income to assets | 1.4753% | 886 |
| Return on assets (ROA) | 1.4753% | 948 |
| Pretax return on assets | 1.4828% | 1,493 |
| Return on Equity (ROE) | 13.6143% | 1,056 |
| Retained earnings to average equity (ytd only) | -23.0609% | 7,549 |
| Net charge-offs to loans | 0.0303% | 6,037 |
| Credit loss provision to net charge-offs | 1,500.0000% | 332 |
| Earnings coverage of net charge-offs (x) | 113.5000% | 338 |
| Efficiency ratio | 58.0407% | 6,860 |
| Assets per employee ($millions) | 4.4822% | 2,800 |
| Cash dividends to net income (ytd only)* | 269.3878% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0379% | 5,977 |
| Loan loss allowance to noncurrent loans | 83.8323% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 1.6882% | 3,654 |
| Noncurrent loans to loans | 1.2380% | 4,736 |
| Net loans and leases to total assets | 49.6375% | 6,907 |
| Net loans and leases to deposits | 67.9581% | 6,192 |
| Net loans and leases to core deposits | 81.9510% | 6,246 |
| Total domestic deposits to total assets | 73.0413% | 7,107 |
| Equity capital to assets | 10.1811% | 3,742 |
| Core capital (leverage) ratio | 9.6063% | 3,757 |
| Tier 1 risk-based capital ratio | 15.4226% | 2,849 |
| Total risk-based capital ratio | 16.2654% | 2,950 |
| Memoranda: | ||
| Average total assets | $26,571,330 | 7,738 |
| Average earning assets | $24,716,670 | 7,692 |
| Average equity | $2,879,330 | 7,764 |
| Average total loans | $13,192,000 | 7,692 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2501% | 1,445 |
| Cost of funding earning assets | 2.1711% | 3,315 |
| Net interest margin | 4.0790% | 2,363 |
| Noninterest income to average assets | 0.4695% | 4,593 |
| Noninterest expense to average assets | 2.4081% | 6,164 |
| Loan and lease loss provision to assets | 0.2272% | 4,172 |
| Net operating income to assets | 1.5903% | 797 |
| Return on assets (ROA) | 1.5903% | 876 |
| Pretax return on assets | 1.5903% | 1,435 |
| Return on Equity (ROE) | 14.2373% | 1,122 |
| Retained earnings to average equity (ytd only) | -26.4407% | 7,806 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9892% | 6,834 |
| Assets per employee ($millions) | 4.4015% | 2,882 |
| Cash dividends to net income (ytd only)* | 285.7143% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9646% | 6,403 |
| Loan loss allowance to noncurrent loans | 47.0149% | 5,383 |
| Noncurrent assets plus other real estate owned to assets | 2.1016% | 2,747 |
| Noncurrent loans to loans | 2.0516% | 3,195 |
| Net loans and leases to total assets | 48.9871% | 6,947 |
| Net loans and leases to deposits | 67.5103% | 6,226 |
| Net loans and leases to core deposits | 81.2983% | 6,285 |
| Total domestic deposits to total assets | 72.5624% | 7,121 |
| Equity capital to assets | 10.7766% | 3,209 |
| Core capital (leverage) ratio | 10.2952% | 3,111 |
| Tier 1 risk-based capital ratio | 14.6113% | 3,252 |
| Total risk-based capital ratio | 15.2934% | 3,486 |
| Memoranda: | ||
| Average total assets | $26,410,500 | 7,784 |
| Average earning assets | $24,319,500 | 7,755 |
| Average equity | $2,950,000 | 7,801 |
| Average total loans | $13,043,500 | 7,746 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4728% | 3,103 |
| Cost of funding earning assets | 2.4459% | 4,501 |
| Net interest margin | 4.0269% | 2,995 |
| Noninterest income to average assets | 2.2017% | 297 |
| Noninterest expense to average assets | 2.4743% | 6,112 |
| Loan and lease loss provision to assets | 0.1384% | 5,590 |
| Net operating income to assets | 3.3383% | 54 |
| Return on assets (ROA) | 3.0321% | 65 |
| Pretax return on assets | 3.0321% | 97 |
| Return on Equity (ROE) | 27.6715% | 85 |
| Retained earnings to average equity (ytd only) | 8.7645% | 640 |
| Net charge-offs to loans | 0.0257% | 6,481 |
| Credit loss provision to net charge-offs | 1,100.0000% | 401 |
| Earnings coverage of net charge-offs (x) | 276.3333% | 179 |
| Efficiency ratio | 41.5786% | 8,083 |
| Assets per employee ($millions) | 4.4020% | 2,788 |
| Cash dividends to net income (ytd only)* | 68.3264% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8523% | 6,893 |
| Loan loss allowance to noncurrent loans | 72.0779% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 1.6659% | 2,917 |
| Noncurrent loans to loans | 1.1824% | 4,153 |
| Net loans and leases to total assets | 48.8907% | 7,113 |
| Net loans and leases to deposits | 69.2981% | 6,340 |
| Net loans and leases to core deposits | 78.9786% | 6,690 |
| Total domestic deposits to total assets | 70.5513% | 7,219 |
| Equity capital to assets | 11.5629% | 2,593 |
| Core capital (leverage) ratio | 11.4685% | 2,273 |
| Tier 1 risk-based capital ratio | 16.0655% | 2,641 |
| Total risk-based capital ratio | 16.6815% | 2,804 |
| Memoranda: | ||
| Average total assets | $23,844,800 | 7,877 |
| Average earning assets | $22,200,600 | 7,855 |
| Average equity | $2,612,800 | 7,947 |
| Average total loans | $11,689,200 | 7,850 |