Home > First State Bank of Van Orin > Performance and Condition Ratios
First State Bank of Van Orin, 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 | 3.3730% | 4,438 |
| Cost of funding earning assets | 0.9709% | 3,368 |
| Net interest margin | 2.4021% | 4,184 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 1.6262% | 4,221 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.6194% | 3,388 |
| Return on assets (ROA) | 0.6194% | 3,376 |
| Pretax return on assets | 0.6194% | 3,602 |
| Return on Equity (ROE) | 10.6800% | 2,312 |
| Retained earnings to average equity (ytd only) | 8.6595% | 1,347 |
| Net charge-offs to loans | -0.0205% | 4,161 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 69.6203% | 1,926 |
| Assets per employee ($millions) | 7.4820% | 1,739 |
| Cash dividends to net income (ytd only)* | 18.9091% | 2,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3201% | 1,681 |
| Loan loss allowance to noncurrent loans | 188.4058% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 0.1537% | 2,497 |
| Noncurrent loans to loans | 0.7006% | 1,117 |
| Net loans and leases to total assets | 21.6500% | 4,391 |
| Net loans and leases to deposits | 23.3482% | 4,408 |
| Net loans and leases to core deposits | 24.5020% | 4,436 |
| Total domestic deposits to total assets | 92.7200% | 206 |
| Equity capital to assets | 6.3085% | 4,164 |
| Core capital (leverage) ratio | 10.0491% | 2,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7247% | 311 |
| Memoranda: | ||
| Average total assets | $44,397,000 | 4,360 |
| Average earning assets | $39,549,200 | 4,348 |
| Average equity | $2,575,200 | 4,455 |
| Average total loans | $9,772,200 | 4,414 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3501% | 4,436 |
| Cost of funding earning assets | 0.9161% | 3,232 |
| Net interest margin | 2.4340% | 4,198 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 1.5750% | 4,259 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.6987% | 3,330 |
| Return on assets (ROA) | 0.6987% | 3,309 |
| Pretax return on assets | 0.6987% | 3,555 |
| Return on Equity (ROE) | 12.3200% | 2,046 |
| Retained earnings to average equity (ytd only) | 12.3188% | 921 |
| Net charge-offs to loans | -0.0273% | 4,219 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.7526% | 2,185 |
| Assets per employee ($millions) | 7.2915% | 1,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2450% | 2,136 |
| Loan loss allowance to noncurrent loans | 268.8889% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.1029% | 2,888 |
| Noncurrent loans to loans | 0.4630% | 1,662 |
| Net loans and leases to total assets | 21.9400% | 4,420 |
| Net loans and leases to deposits | 23.3801% | 4,434 |
| Net loans and leases to core deposits | 24.0757% | 4,429 |
| Total domestic deposits to total assets | 93.8400% | 198 |
| Equity capital to assets | 5.2504% | 4,200 |
| Core capital (leverage) ratio | 10.3814% | 2,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1470% | 315 |
| Memoranda: | ||
| Average total assets | $44,273,250 | 4,377 |
| Average earning assets | $39,441,000 | 4,368 |
| Average equity | $2,511,000 | 4,480 |
| Average total loans | $9,753,250 | 4,439 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3002% | 4,461 |
| Cost of funding earning assets | 0.8376% | 3,106 |
| Net interest margin | 2.4626% | 4,248 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 1.5704% | 4,280 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.7469% | 3,223 |
| Return on assets (ROA) | 0.7469% | 3,244 |
| Pretax return on assets | 0.7469% | 3,506 |
| Return on Equity (ROE) | 12.8600% | 1,932 |
| Retained earnings to average equity (ytd only) | 12.8566% | 828 |
| Net charge-offs to loans | -0.0410% | 4,320 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.6546% | 2,292 |
| Assets per employee ($millions) | 7.1860% | 1,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2200% | 2,352 |
| Loan loss allowance to noncurrent loans | 243.4783% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.1067% | 2,793 |
| Noncurrent loans to loans | 0.5011% | 1,457 |
| Net loans and leases to total assets | 21.0300% | 4,450 |
| Net loans and leases to deposits | 22.5943% | 4,463 |
| Net loans and leases to core deposits | 23.2763% | 4,456 |
| Total domestic deposits to total assets | 93.0800% | 243 |
| Equity capital to assets | 6.0256% | 4,143 |
| Core capital (leverage) ratio | 10.2411% | 2,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7396% | 300 |
| Memoranda: | ||
| Average total assets | $44,448,000 | 4,398 |
| Average earning assets | $39,876,333 | 4,390 |
| Average equity | $2,582,333 | 4,502 |
| Average total loans | $9,764,667 | 4,469 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1094% | 4,525 |
| Cost of funding earning assets | 0.7749% | 2,825 |
| Net interest margin | 2.3345% | 4,427 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 1.5605% | 4,344 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.6650% | 3,542 |
| Return on assets (ROA) | 0.6650% | 3,496 |
| Pretax return on assets | 0.6650% | 3,731 |
| Return on Equity (ROE) | 11.6500% | 2,310 |
| Retained earnings to average equity (ytd only) | 11.6527% | 1,330 |
| Net charge-offs to loans | -0.0398% | 4,307 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.7043% | 2,008 |
| Assets per employee ($millions) | 9.1154% | 896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0974% | 3,074 |
| Loan loss allowance to noncurrent loans | 218.7500% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 0.1053% | 2,788 |
| Noncurrent loans to loans | 0.5017% | 1,465 |
| Net loans and leases to total assets | 20.7600% | 4,510 |
| Net loans and leases to deposits | 22.2032% | 4,523 |
| Net loans and leases to core deposits | 22.8305% | 4,519 |
| Total domestic deposits to total assets | 93.5100% | 230 |
| Equity capital to assets | 5.7375% | 4,279 |
| Core capital (leverage) ratio | 9.2654% | 3,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9831% | 356 |
| Memoranda: | ||
| Average total assets | $45,114,000 | 4,461 |
| Average earning assets | $40,779,500 | 4,448 |
| Average equity | $2,574,500 | 4,564 |
| Average total loans | $10,057,000 | 4,532 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5063% | 4,506 |
| Cost of funding earning assets | 0.3509% | 2,466 |
| Net interest margin | 2.1554% | 4,495 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 1.5695% | 4,345 |
| Loan and lease loss provision to assets | -0.2500% | 4,648 |
| Net operating income to assets | 0.6673% | 3,713 |
| Return on assets (ROA) | 0.6673% | 3,665 |
| Pretax return on assets | 0.6673% | 3,915 |
| Return on Equity (ROE) | 9.9900% | 2,810 |
| Retained earnings to average equity (ytd only) | 9.5009% | 1,313 |
| Net charge-offs to loans | 0.1684% | 496 |
| Credit loss provision to net charge-offs | -731.2500% | 4,651 |
| Earnings coverage of net charge-offs (x) | 11.8750% | 2,136 |
| Efficiency ratio | 78.5088% | 821 |
| Assets per employee ($millions) | 7.4418% | 1,660 |
| Cash dividends to net income (ytd only)* | 4.8860% | 3,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9293% | 3,675 |
| Loan loss allowance to noncurrent loans | 196.0000% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 0.1120% | 2,744 |
| Noncurrent loans to loans | 0.4741% | 1,514 |
| Net loans and leases to total assets | 23.4000% | 4,519 |
| Net loans and leases to deposits | 25.0582% | 4,533 |
| Net loans and leases to core deposits | 25.7816% | 4,529 |
| Total domestic deposits to total assets | 93.3800% | 330 |
| Equity capital to assets | 5.6751% | 4,188 |
| Core capital (leverage) ratio | 9.4558% | 3,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2846% | 403 |
| Memoranda: | ||
| Average total assets | $46,003,200 | 4,477 |
| Average earning assets | $37,904,800 | 4,499 |
| Average equity | $3,073,400 | 4,602 |
| Average total loans | $9,500,600 | 4,571 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3584% | 4,515 |
| Cost of funding earning assets | 0.2668% | 2,522 |
| Net interest margin | 2.0916% | 4,522 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 1.5149% | 4,407 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 0.2760% | 4,407 |
| Return on assets (ROA) | 0.2760% | 4,365 |
| Pretax return on assets | 0.2760% | 4,402 |
| Return on Equity (ROE) | 3.9400% | 4,156 |
| Retained earnings to average equity (ytd only) | 3.9372% | 3,463 |
| Net charge-offs to loans | 0.2165% | 315 |
| Credit loss provision to net charge-offs | 266.6667% | 868 |
| Earnings coverage of net charge-offs (x) | 9.0667% | 2,034 |
| Efficiency ratio | 78.7330% | 857 |
| Assets per employee ($millions) | 7.4783% | 1,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8566% | 3,972 |
| Loan loss allowance to noncurrent loans | 111.8421% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 0.1694% | 2,439 |
| Noncurrent loans to loans | 0.7659% | 1,060 |
| Net loans and leases to total assets | 21.9300% | 4,569 |
| Net loans and leases to deposits | 23.3321% | 4,589 |
| Net loans and leases to core deposits | 23.9975% | 4,579 |
| Total domestic deposits to total assets | 93.9700% | 367 |
| Equity capital to assets | 5.1527% | 4,250 |
| Core capital (leverage) ratio | 9.3854% | 3,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9598% | 380 |
| Memoranda: | ||
| Average total assets | $46,384,000 | 4,508 |
| Average earning assets | $37,482,500 | 4,536 |
| Average equity | $3,251,000 | 4,637 |
| Average total loans | $9,239,250 | 4,610 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3035% | 4,519 |
| Cost of funding earning assets | 0.2710% | 2,016 |
| Net interest margin | 2.0325% | 4,541 |
| Noninterest income to average assets | 0.2474% | 3,689 |
| Noninterest expense to average assets | 1.5057% | 4,411 |
| Loan and lease loss provision to assets | 0.1280% | 760 |
| Net operating income to assets | 0.2133% | 4,403 |
| Return on assets (ROA) | 0.2133% | 4,363 |
| Pretax return on assets | 0.2133% | 4,395 |
| Return on Equity (ROE) | 2.8058% | 4,243 |
| Retained earnings to average equity (ytd only) | 2.8058% | 3,509 |
| Net charge-offs to loans | 0.0222% | 1,283 |
| Credit loss provision to net charge-offs | 3,000.0000% | 173 |
| Earnings coverage of net charge-offs (x) | 80.0000% | 933 |
| Efficiency ratio | 80.8314% | 885 |
| Assets per employee ($millions) | 7.5348% | 1,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0375% | 3,432 |
| Loan loss allowance to noncurrent loans | 134.8485% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 0.1460% | 2,700 |
| Noncurrent loans to loans | 0.7694% | 1,117 |
| Net loans and leases to total assets | 18.7772% | 4,663 |
| Net loans and leases to deposits | 20.1109% | 4,673 |
| Net loans and leases to core deposits | 20.6832% | 4,670 |
| Total domestic deposits to total assets | 93.3686% | 419 |
| Equity capital to assets | 5.7887% | 4,276 |
| Core capital (leverage) ratio | 9.0088% | 3,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3791% | 310 |
| Memoranda: | ||
| Average total assets | $46,888,667 | 4,549 |
| Average earning assets | $36,899,667 | 4,600 |
| Average equity | $3,564,000 | 4,648 |
| Average total loans | $9,011,333 | 4,678 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2433% | 4,508 |
| Cost of funding earning assets | 0.2777% | 1,847 |
| Net interest margin | 1.9655% | 4,537 |
| Noninterest income to average assets | 0.3604% | 2,931 |
| Noninterest expense to average assets | 1.4582% | 4,471 |
| Loan and lease loss provision to assets | 0.1257% | 659 |
| Net operating income to assets | 0.3185% | 4,108 |
| Return on assets (ROA) | 0.3185% | 4,075 |
| Pretax return on assets | 0.3185% | 4,160 |
| Return on Equity (ROE) | 3.7647% | 3,933 |
| Retained earnings to average equity (ytd only) | 3.7647% | 3,025 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7709% | 1,556 |
| Assets per employee ($millions) | 8.0835% | 1,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8895% | 4,071 |
| Loan loss allowance to noncurrent loans | 127.1186% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 0.1216% | 2,966 |
| Noncurrent loans to loans | 0.6997% | 1,360 |
| Net loans and leases to total assets | 17.2306% | 4,695 |
| Net loans and leases to deposits | 18.7444% | 4,701 |
| Net loans and leases to core deposits | 19.4272% | 4,699 |
| Total domestic deposits to total assets | 91.9239% | 604 |
| Equity capital to assets | 7.3339% | 4,030 |
| Core capital (leverage) ratio | 8.5382% | 3,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3970% | 468 |
| Memoranda: | ||
| Average total assets | $47,728,500 | 4,565 |
| Average earning assets | $37,445,000 | 4,619 |
| Average equity | $4,037,500 | 4,650 |
| Average total loans | $9,228,000 | 4,695 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3937% | 4,542 |
| Cost of funding earning assets | 0.2955% | 2,447 |
| Net interest margin | 2.0983% | 4,544 |
| Noninterest income to average assets | 0.1392% | 4,454 |
| Noninterest expense to average assets | 1.5466% | 4,488 |
| Loan and lease loss provision to assets | 0.1281% | 953 |
| Net operating income to assets | 0.1591% | 4,569 |
| Return on assets (ROA) | 0.1591% | 4,584 |
| Pretax return on assets | 0.1591% | 4,600 |
| Return on Equity (ROE) | 1.5622% | 4,549 |
| Retained earnings to average equity (ytd only) | 1.5622% | 4,101 |
| Net charge-offs to loans | 1.5347% | 34 |
| Credit loss provision to net charge-offs | 38.9262% | 2,200 |
| Earnings coverage of net charge-offs (x) | 0.8725% | 2,632 |
| Efficiency ratio | 83.4940% | 601 |
| Assets per employee ($millions) | 7.8260% | 1,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5986% | 4,541 |
| Loan loss allowance to noncurrent loans | 113.2075% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 0.3471% | 1,836 |
| Noncurrent loans to loans | 0.5287% | 1,808 |
| Net loans and leases to total assets | 21.2199% | 4,708 |
| Net loans and leases to deposits | 23.7170% | 4,714 |
| Net loans and leases to core deposits | 24.6256% | 4,711 |
| Total domestic deposits to total assets | 89.4710% | 1,253 |
| Equity capital to assets | 9.6218% | 3,027 |
| Core capital (leverage) ratio | 8.6989% | 3,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7065% | 454 |
| Memoranda: | ||
| Average total assets | $45,259,600 | 4,609 |
| Average earning assets | $36,554,200 | 4,653 |
| Average equity | $4,609,000 | 4,661 |
| Average total loans | $9,709,000 | 4,732 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4193% | 4,616 |
| Cost of funding earning assets | 0.3061% | 2,535 |
| Net interest margin | 2.1132% | 4,619 |
| Noninterest income to average assets | 0.1338% | 4,528 |
| Noninterest expense to average assets | 1.5701% | 4,507 |
| Loan and lease loss provision to assets | 0.1338% | 856 |
| Net operating income to assets | 0.1338% | 4,671 |
| Return on assets (ROA) | 0.1338% | 4,692 |
| Pretax return on assets | 0.1338% | 4,698 |
| Return on Equity (ROE) | 1.2954% | 4,668 |
| Retained earnings to average equity (ytd only) | 1.2954% | 4,351 |
| Net charge-offs to loans | 2.0629% | 23 |
| Credit loss provision to net charge-offs | 30.2013% | 1,952 |
| Earnings coverage of net charge-offs (x) | 0.6040% | 2,400 |
| Efficiency ratio | 84.6278% | 491 |
| Assets per employee ($millions) | 6.5957% | 2,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5020% | 4,704 |
| Loan loss allowance to noncurrent loans | 82.4561% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 0.3617% | 1,993 |
| Noncurrent loans to loans | 0.6088% | 1,784 |
| Net loans and leases to total assets | 20.1776% | 4,795 |
| Net loans and leases to deposits | 22.6661% | 4,804 |
| Net loans and leases to core deposits | 24.0283% | 4,798 |
| Total domestic deposits to total assets | 89.0210% | 1,263 |
| Equity capital to assets | 10.0910% | 2,813 |
| Core capital (leverage) ratio | 9.1319% | 3,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6637% | 445 |
| Memoranda: | ||
| Average total assets | $44,835,500 | 4,682 |
| Average earning assets | $36,152,500 | 4,728 |
| Average equity | $4,631,750 | 4,727 |
| Average total loans | $9,630,250 | 4,805 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4468% | 4,653 |
| Cost of funding earning assets | 0.3121% | 2,660 |
| Net interest margin | 2.1346% | 4,638 |
| Noninterest income to average assets | 0.1307% | 4,549 |
| Noninterest expense to average assets | 1.6310% | 4,470 |
| Loan and lease loss provision to assets | 0.1352% | 909 |
| Net operating income to assets | 0.0901% | 4,723 |
| Return on assets (ROA) | 0.0901% | 4,739 |
| Pretax return on assets | 0.0901% | 4,744 |
| Return on Equity (ROE) | 0.8653% | 4,721 |
| Retained earnings to average equity (ytd only) | 0.8653% | 4,372 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1359% | 429 |
| Assets per employee ($millions) | 6.3760% | 2,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9875% | 616 |
| Loan loss allowance to noncurrent loans | 291.9355% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.7192% | 1,143 |
| Noncurrent loans to loans | 0.6808% | 1,720 |
| Net loans and leases to total assets | 19.9991% | 4,835 |
| Net loans and leases to deposits | 22.5052% | 4,842 |
| Net loans and leases to core deposits | 23.9085% | 4,840 |
| Total domestic deposits to total assets | 88.8645% | 1,345 |
| Equity capital to assets | 10.2236% | 2,646 |
| Core capital (leverage) ratio | 9.1062% | 3,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7335% | 389 |
| Memoranda: | ||
| Average total assets | $44,390,667 | 4,715 |
| Average earning assets | $35,884,333 | 4,756 |
| Average equity | $4,622,667 | 4,758 |
| Average total loans | $9,719,333 | 4,841 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4985% | 4,643 |
| Cost of funding earning assets | 0.3294% | 2,714 |
| Net interest margin | 2.1692% | 4,638 |
| Noninterest income to average assets | 0.1355% | 4,527 |
| Noninterest expense to average assets | 1.6806% | 4,412 |
| Loan and lease loss provision to assets | 0.1355% | 996 |
| Net operating income to assets | 0.0452% | 4,757 |
| Return on assets (ROA) | 0.0452% | 4,763 |
| Pretax return on assets | 0.0452% | 4,762 |
| Return on Equity (ROE) | 0.4299% | 4,760 |
| Retained earnings to average equity (ytd only) | 0.4299% | 4,315 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3204% | 393 |
| Assets per employee ($millions) | 5.6489% | 2,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7936% | 881 |
| Loan loss allowance to noncurrent loans | 251.5152% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.7192% | 1,291 |
| Noncurrent loans to loans | 0.7131% | 1,815 |
| Net loans and leases to total assets | 20.1124% | 4,857 |
| Net loans and leases to deposits | 22.5673% | 4,865 |
| Net loans and leases to core deposits | 23.9588% | 4,865 |
| Total domestic deposits to total assets | 89.1217% | 1,281 |
| Equity capital to assets | 10.0330% | 2,675 |
| Core capital (leverage) ratio | 9.0256% | 3,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5903% | 372 |
| Memoranda: | ||
| Average total assets | $44,270,000 | 4,735 |
| Average earning assets | $35,220,500 | 4,783 |
| Average equity | $4,652,500 | 4,778 |
| Average total loans | $10,025,500 | 4,861 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9966% | 4,637 |
| Cost of funding earning assets | 0.4220% | 3,446 |
| Net interest margin | 2.5746% | 4,525 |
| Noninterest income to average assets | 0.1516% | 4,536 |
| Noninterest expense to average assets | 1.9441% | 4,242 |
| Loan and lease loss provision to assets | 0.1684% | 2,279 |
| Net operating income to assets | 0.2117% | 4,558 |
| Return on assets (ROA) | 0.3802% | 4,363 |
| Pretax return on assets | 0.3802% | 4,445 |
| Return on Equity (ROE) | 3.4591% | 4,275 |
| Retained earnings to average equity (ytd only) | 3.1307% | 3,272 |
| Net charge-offs to loans | 1.3231% | 84 |
| Credit loss provision to net charge-offs | 47.6190% | 3,156 |
| Earnings coverage of net charge-offs (x) | 1.0748% | 3,283 |
| Efficiency ratio | 82.9193% | 698 |
| Assets per employee ($millions) | 5.4186% | 2,934 |
| Cash dividends to net income (ytd only)* | 9.4937% | 3,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3987% | 1,975 |
| Loan loss allowance to noncurrent loans | 215.7143% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.7590% | 1,352 |
| Noncurrent loans to loans | 0.6484% | 2,057 |
| Net loans and leases to total assets | 24.5565% | 4,847 |
| Net loans and leases to deposits | 27.9301% | 4,860 |
| Net loans and leases to core deposits | 29.7396% | 4,857 |
| Total domestic deposits to total assets | 87.9213% | 1,515 |
| Equity capital to assets | 11.0060% | 2,249 |
| Core capital (leverage) ratio | 9.4022% | 3,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5967% | 406 |
| Memoranda: | ||
| Average total assets | $41,561,800 | 4,751 |
| Average earning assets | $35,073,200 | 4,778 |
| Average equity | $4,567,600 | 4,796 |
| Average total loans | $11,110,400 | 4,875 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0814% | 4,676 |
| Cost of funding earning assets | 0.4402% | 3,584 |
| Net interest margin | 2.6412% | 4,537 |
| Noninterest income to average assets | 0.1557% | 4,512 |
| Noninterest expense to average assets | 2.0008% | 4,140 |
| Loan and lease loss provision to assets | 0.1581% | 2,431 |
| Net operating income to assets | 0.2529% | 4,519 |
| Return on assets (ROA) | 0.4799% | 4,162 |
| Pretax return on assets | 0.4799% | 4,317 |
| Return on Equity (ROE) | 4.3688% | 4,075 |
| Retained earnings to average equity (ytd only) | 4.3688% | 2,865 |
| Net charge-offs to loans | -0.0357% | 4,586 |
| Credit loss provision to net charge-offs | -1,633.3333% | 4,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2581% | 721 |
| Assets per employee ($millions) | 5.3228% | 2,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6001% | 202 |
| Loan loss allowance to noncurrent loans | 341.4634% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 1.1531% | 889 |
| Noncurrent loans to loans | 0.7614% | 1,904 |
| Net loans and leases to total assets | 24.6325% | 4,890 |
| Net loans and leases to deposits | 28.0612% | 4,901 |
| Net loans and leases to core deposits | 29.8313% | 4,902 |
| Total domestic deposits to total assets | 87.7812% | 1,308 |
| Equity capital to assets | 11.1996% | 2,229 |
| Core capital (leverage) ratio | 9.7811% | 2,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9335% | 412 |
| Memoranda: | ||
| Average total assets | $41,115,000 | 4,780 |
| Average earning assets | $35,135,000 | 4,804 |
| Average equity | $4,516,750 | 4,826 |
| Average total loans | $11,189,000 | 4,906 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1715% | 4,735 |
| Cost of funding earning assets | 0.4619% | 3,733 |
| Net interest margin | 2.7096% | 4,546 |
| Noninterest income to average assets | 0.1625% | 4,478 |
| Noninterest expense to average assets | 2.0824% | 4,073 |
| Loan and lease loss provision to assets | 0.1477% | 2,533 |
| Net operating income to assets | 0.3003% | 4,420 |
| Return on assets (ROA) | 0.6449% | 3,686 |
| Pretax return on assets | 0.6449% | 3,979 |
| Return on Equity (ROE) | 5.9107% | 3,546 |
| Retained earnings to average equity (ytd only) | 5.9107% | 2,119 |
| Net charge-offs to loans | -0.0530% | 4,694 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7121% | 776 |
| Assets per employee ($millions) | 5.1400% | 3,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3628% | 264 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 1.2062% | 906 |
| Noncurrent loans to loans | 0.7876% | 1,920 |
| Net loans and leases to total assets | 26.2281% | 4,907 |
| Net loans and leases to deposits | 29.9617% | 4,927 |
| Net loans and leases to core deposits | 32.3069% | 4,917 |
| Total domestic deposits to total assets | 87.5389% | 1,404 |
| Equity capital to assets | 11.4056% | 2,038 |
| Core capital (leverage) ratio | 10.0283% | 2,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1171% | 395 |
| Memoranda: | ||
| Average total assets | $40,626,000 | 4,809 |
| Average earning assets | $35,503,333 | 4,825 |
| Average equity | $4,432,667 | 4,860 |
| Average total loans | $11,329,000 | 4,936 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2023% | 4,866 |
| Cost of funding earning assets | 0.4892% | 3,989 |
| Net interest margin | 2.7131% | 4,658 |
| Noninterest income to average assets | 0.1882% | 4,424 |
| Noninterest expense to average assets | 2.0506% | 4,310 |
| Loan and lease loss provision to assets | 0.1486% | 1,904 |
| Net operating income to assets | 0.4062% | 4,122 |
| Return on assets (ROA) | 0.7331% | 3,243 |
| Pretax return on assets | 0.7331% | 3,585 |
| Return on Equity (ROE) | 6.8773% | 3,003 |
| Retained earnings to average equity (ytd only) | 6.8773% | 1,585 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9468% | 1,344 |
| Assets per employee ($millions) | 5.7669% | 1,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1094% | 427 |
| Loan loss allowance to noncurrent loans | 155.7692% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 1.3996% | 801 |
| Noncurrent loans to loans | 1.3542% | 1,188 |
| Net loans and leases to total assets | 27.9355% | 4,936 |
| Net loans and leases to deposits | 31.5944% | 4,957 |
| Net loans and leases to core deposits | 34.0808% | 4,947 |
| Total domestic deposits to total assets | 88.4190% | 919 |
| Equity capital to assets | 10.5901% | 3,242 |
| Core capital (leverage) ratio | 9.7329% | 3,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2615% | 484 |
| Memoranda: | ||
| Average total assets | $40,379,000 | 4,848 |
| Average earning assets | $35,974,000 | 4,852 |
| Average equity | $4,304,000 | 4,909 |
| Average total loans | $11,470,500 | 4,973 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1351% | 5,019 |
| Cost of funding earning assets | 0.3932% | 4,460 |
| Net interest margin | 2.7419% | 4,800 |
| Noninterest income to average assets | 0.1922% | 4,512 |
| Noninterest expense to average assets | 2.1730% | 4,219 |
| Loan and lease loss provision to assets | 0.1183% | 1,787 |
| Net operating income to assets | 0.4090% | 4,578 |
| Return on assets (ROA) | 0.4114% | 4,609 |
| Pretax return on assets | 0.4114% | 4,691 |
| Return on Equity (ROE) | 3.9903% | 4,462 |
| Retained earnings to average equity (ytd only) | 2.8672% | 3,603 |
| Net charge-offs to loans | 0.0535% | 2,339 |
| Credit loss provision to net charge-offs | 800.0000% | 411 |
| Earnings coverage of net charge-offs (x) | 35.6667% | 1,407 |
| Efficiency ratio | 79.8358% | 959 |
| Assets per employee ($millions) | 5.7700% | 1,815 |
| Cash dividends to net income (ytd only)* | 28.1437% | 3,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9963% | 463 |
| Loan loss allowance to noncurrent loans | 139.8773% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 1.4162% | 737 |
| Noncurrent loans to loans | 1.4272% | 1,027 |
| Net loans and leases to total assets | 27.7123% | 5,000 |
| Net loans and leases to deposits | 31.4640% | 5,024 |
| Net loans and leases to core deposits | 33.0499% | 5,024 |
| Total domestic deposits to total assets | 88.0763% | 1,099 |
| Equity capital to assets | 10.7279% | 3,236 |
| Core capital (leverage) ratio | 9.6895% | 3,860 |
| Tier 1 risk-based capital ratio | 22.7872% | 934 |
| Total risk-based capital ratio | 24.0351% | 917 |
| Memoranda: | ||
| Average total assets | $40,589,200 | 4,883 |
| Average earning assets | $37,127,800 | 4,879 |
| Average equity | $4,185,200 | 4,970 |
| Average total loans | $11,214,000 | 5,039 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1171% | 5,120 |
| Cost of funding earning assets | 0.3682% | 4,606 |
| Net interest margin | 2.7489% | 4,894 |
| Noninterest income to average assets | 0.1969% | 4,540 |
| Noninterest expense to average assets | 2.1293% | 4,309 |
| Loan and lease loss provision to assets | 0.1181% | 1,652 |
| Net operating income to assets | 0.4725% | 4,580 |
| Return on assets (ROA) | 0.4757% | 4,616 |
| Pretax return on assets | 0.4757% | 4,730 |
| Return on Equity (ROE) | 4.6605% | 4,438 |
| Retained earnings to average equity (ytd only) | 3.6319% | 3,590 |
| Net charge-offs to loans | 0.0717% | 1,807 |
| Credit loss provision to net charge-offs | 600.0000% | 537 |
| Earnings coverage of net charge-offs (x) | 29.9988% | 1,623 |
| Efficiency ratio | 77.6840% | 1,133 |
| Assets per employee ($millions) | 5.7801% | 1,782 |
| Cash dividends to net income (ytd only)* | 22.0711% | 2,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9873% | 478 |
| Loan loss allowance to noncurrent loans | 92.7039% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 1.5867% | 661 |
| Noncurrent loans to loans | 2.1437% | 613 |
| Net loans and leases to total assets | 26.3291% | 5,107 |
| Net loans and leases to deposits | 29.8587% | 5,127 |
| Net loans and leases to core deposits | 31.3536% | 5,125 |
| Total domestic deposits to total assets | 88.1787% | 959 |
| Equity capital to assets | 10.7387% | 3,347 |
| Core capital (leverage) ratio | 9.8450% | 3,792 |
| Tier 1 risk-based capital ratio | 23.5650% | 892 |
| Total risk-based capital ratio | 24.8159% | 870 |
| Memoranda: | ||
| Average total assets | $40,639,000 | 4,953 |
| Average earning assets | $37,298,250 | 4,949 |
| Average equity | $4,148,250 | 5,043 |
| Average total loans | $11,162,250 | 5,120 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1267% | 5,178 |
| Cost of funding earning assets | 0.3480% | 4,686 |
| Net interest margin | 2.7787% | 4,947 |
| Noninterest income to average assets | 0.2064% | 4,511 |
| Noninterest expense to average assets | 2.1033% | 4,411 |
| Loan and lease loss provision to assets | 0.1179% | 1,589 |
| Net operating income to assets | 0.5356% | 4,451 |
| Return on assets (ROA) | 0.5356% | 4,481 |
| Pretax return on assets | 0.5356% | 4,644 |
| Return on Equity (ROE) | 5.3396% | 4,249 |
| Retained earnings to average equity (ytd only) | 5.2417% | 2,645 |
| Net charge-offs to loans | 0.1066% | 1,332 |
| Credit loss provision to net charge-offs | 400.0000% | 710 |
| Earnings coverage of net charge-offs (x) | 22.1667% | 1,703 |
| Efficiency ratio | 75.7576% | 1,425 |
| Assets per employee ($millions) | 5.7163% | 1,769 |
| Cash dividends to net income (ytd only)* | 1.8349% | 3,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8926% | 568 |
| Loan loss allowance to noncurrent loans | 152.2388% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 1.3570% | 902 |
| Noncurrent loans to loans | 1.2432% | 1,281 |
| Net loans and leases to total assets | 26.4283% | 5,147 |
| Net loans and leases to deposits | 30.0000% | 5,168 |
| Net loans and leases to core deposits | 31.1432% | 5,168 |
| Total domestic deposits to total assets | 88.0942% | 1,060 |
| Equity capital to assets | 10.8862% | 3,190 |
| Core capital (leverage) ratio | 9.8507% | 3,757 |
| Tier 1 risk-based capital ratio | 23.6043% | 886 |
| Total risk-based capital ratio | 24.8289% | 866 |
| Memoranda: | ||
| Average total assets | $40,698,330 | 4,993 |
| Average earning assets | $37,355,330 | 4,986 |
| Average equity | $4,082,670 | 5,091 |
| Average total loans | $11,260,000 | 5,162 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0519% | 5,258 |
| Cost of funding earning assets | 0.3157% | 4,794 |
| Net interest margin | 2.7362% | 5,041 |
| Noninterest income to average assets | 0.2047% | 4,525 |
| Noninterest expense to average assets | 2.0955% | 4,467 |
| Loan and lease loss provision to assets | 0.1170% | 1,505 |
| Net operating income to assets | 0.5263% | 4,445 |
| Return on assets (ROA) | 0.5263% | 4,465 |
| Pretax return on assets | 0.5263% | 4,627 |
| Return on Equity (ROE) | 5.4739% | 4,197 |
| Retained earnings to average equity (ytd only) | 5.2712% | 2,786 |
| Net charge-offs to loans | 0.2087% | 670 |
| Credit loss provision to net charge-offs | 200.0000% | 1,050 |
| Earnings coverage of net charge-offs (x) | 11.0000% | 1,929 |
| Efficiency ratio | 75.8007% | 1,518 |
| Assets per employee ($millions) | 5.8771% | 1,642 |
| Cash dividends to net income (ytd only)* | 3.7037% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6949% | 869 |
| Loan loss allowance to noncurrent loans | 44.1379% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 1.3247% | 972 |
| Noncurrent loans to loans | 3.8400% | 210 |
| Net loans and leases to total assets | 27.0685% | 5,190 |
| Net loans and leases to deposits | 30.3202% | 5,218 |
| Net loans and leases to core deposits | 31.5003% | 5,220 |
| Total domestic deposits to total assets | 89.2756% | 737 |
| Equity capital to assets | 9.8347% | 3,982 |
| Core capital (leverage) ratio | 9.3927% | 4,262 |
| Tier 1 risk-based capital ratio | 22.5427% | 984 |
| Total risk-based capital ratio | 23.6594% | 980 |
| Memoranda: | ||
| Average total assets | $41,040,500 | 5,044 |
| Average earning assets | $38,009,000 | 5,033 |
| Average equity | $3,946,000 | 5,157 |
| Average total loans | $11,500,500 | 5,216 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8756% | 5,271 |
| Cost of funding earning assets | 0.2798% | 4,660 |
| Net interest margin | 2.5958% | 5,156 |
| Noninterest income to average assets | 0.1844% | 4,804 |
| Noninterest expense to average assets | 2.0604% | 4,632 |
| Loan and lease loss provision to assets | 0.1165% | 1,889 |
| Net operating income to assets | 0.3713% | 4,904 |
| Return on assets (ROA) | 0.3713% | 4,900 |
| Pretax return on assets | 0.3713% | 4,965 |
| Return on Equity (ROE) | 4.0308% | 4,703 |
| Retained earnings to average equity (ytd only) | 2.3447% | 4,214 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1905% | 945 |
| Assets per employee ($millions) | 5.8487% | 1,627 |
| Cash dividends to net income (ytd only)* | 41.8301% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5934% | 1,046 |
| Loan loss allowance to noncurrent loans | 42.1769% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 1.3458% | 935 |
| Noncurrent loans to loans | 3.7779% | 209 |
| Net loans and leases to total assets | 28.0574% | 5,233 |
| Net loans and leases to deposits | 31.3356% | 5,256 |
| Net loans and leases to core deposits | 32.3095% | 5,256 |
| Total domestic deposits to total assets | 89.5386% | 643 |
| Equity capital to assets | 9.3940% | 4,222 |
| Core capital (leverage) ratio | 9.3121% | 4,348 |
| Tier 1 risk-based capital ratio | 21.7743% | 1,059 |
| Total risk-based capital ratio | 22.8334% | 1,062 |
| Memoranda: | ||
| Average total assets | $41,206,400 | 5,078 |
| Average earning assets | $37,522,400 | 5,081 |
| Average equity | $3,795,800 | 5,204 |
| Average total loans | $11,531,800 | 5,259 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8243% | 5,351 |
| Cost of funding earning assets | 0.2742% | 4,660 |
| Net interest margin | 2.5501% | 5,253 |
| Noninterest income to average assets | 0.1841% | 4,869 |
| Noninterest expense to average assets | 1.9867% | 4,766 |
| Loan and lease loss provision to assets | 0.1163% | 1,748 |
| Net operating income to assets | 0.3941% | 4,971 |
| Return on assets (ROA) | 0.3941% | 4,970 |
| Pretax return on assets | 0.3941% | 5,038 |
| Return on Equity (ROE) | 4.2995% | 4,749 |
| Retained earnings to average equity (ytd only) | 3.4185% | 4,053 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9133% | 1,034 |
| Assets per employee ($millions) | 5.8533% | 1,605 |
| Cash dividends to net income (ytd only)* | 20.4906% | 2,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5357% | 1,240 |
| Loan loss allowance to noncurrent loans | 39.1892% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 1.3521% | 995 |
| Noncurrent loans to loans | 3.9188% | 218 |
| Net loans and leases to total assets | 27.2277% | 5,310 |
| Net loans and leases to deposits | 30.2881% | 5,336 |
| Net loans and leases to core deposits | 31.2213% | 5,338 |
| Total domestic deposits to total assets | 89.8958% | 543 |
| Equity capital to assets | 9.1206% | 4,442 |
| Core capital (leverage) ratio | 9.4085% | 4,267 |
| Tier 1 risk-based capital ratio | 22.3154% | 1,007 |
| Total risk-based capital ratio | 23.3216% | 1,025 |
| Memoranda: | ||
| Average total assets | $41,272,750 | 5,141 |
| Average earning assets | $37,436,000 | 5,148 |
| Average equity | $3,783,250 | 5,270 |
| Average total loans | $11,496,500 | 5,323 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7451% | 5,422 |
| Cost of funding earning assets | 0.2670% | 4,655 |
| Net interest margin | 2.4781% | 5,355 |
| Noninterest income to average assets | 0.1837% | 4,910 |
| Noninterest expense to average assets | 1.9917% | 4,813 |
| Loan and lease loss provision to assets | 0.1160% | 1,712 |
| Net operating income to assets | 0.3191% | 5,092 |
| Return on assets (ROA) | 0.3191% | 5,087 |
| Pretax return on assets | 0.3191% | 5,143 |
| Return on Equity (ROE) | 3.4749% | 4,932 |
| Retained earnings to average equity (ytd only) | 3.3696% | 3,895 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4741% | 876 |
| Assets per employee ($millions) | 5.8653% | 1,578 |
| Cash dividends to net income (ytd only)* | 3.0303% | 3,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4559% | 1,532 |
| Loan loss allowance to noncurrent loans | 33.1288% | 4,708 |
| Noncurrent assets plus other real estate owned to assets | 1.4589% | 918 |
| Noncurrent loans to loans | 4.3947% | 184 |
| Net loans and leases to total assets | 26.7068% | 5,376 |
| Net loans and leases to deposits | 29.7010% | 5,399 |
| Net loans and leases to core deposits | 30.6097% | 5,400 |
| Total domestic deposits to total assets | 89.9189% | 596 |
| Equity capital to assets | 9.1556% | 4,427 |
| Core capital (leverage) ratio | 9.3398% | 4,316 |
| Tier 1 risk-based capital ratio | 22.2526% | 1,008 |
| Total risk-based capital ratio | 23.1946% | 1,024 |
| Memoranda: | ||
| Average total assets | $41,372,670 | 5,199 |
| Average earning assets | $37,448,000 | 5,206 |
| Average equity | $3,798,670 | 5,330 |
| Average total loans | $11,552,000 | 5,382 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6812% | 5,488 |
| Cost of funding earning assets | 0.2574% | 4,664 |
| Net interest margin | 2.4238% | 5,432 |
| Noninterest income to average assets | 0.1926% | 4,867 |
| Noninterest expense to average assets | 1.9937% | 4,860 |
| Loan and lease loss provision to assets | 0.1156% | 1,637 |
| Net operating income to assets | 0.2600% | 5,153 |
| Return on assets (ROA) | 0.2600% | 5,156 |
| Pretax return on assets | 0.2600% | 5,199 |
| Return on Equity (ROE) | 2.8283% | 5,054 |
| Retained earnings to average equity (ytd only) | 2.6188% | 4,129 |
| Net charge-offs to loans | 0.0340% | 1,832 |
| Credit loss provision to net charge-offs | 1,200.0000% | 294 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 1,079 |
| Efficiency ratio | 83.3333% | 840 |
| Assets per employee ($millions) | 5.1483% | 2,303 |
| Cash dividends to net income (ytd only)* | 7.4074% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3280% | 2,110 |
| Loan loss allowance to noncurrent loans | 30.1619% | 4,809 |
| Noncurrent assets plus other real estate owned to assets | 1.4665% | 967 |
| Noncurrent loans to loans | 4.4029% | 205 |
| Net loans and leases to total assets | 26.8805% | 5,426 |
| Net loans and leases to deposits | 29.8466% | 5,452 |
| Net loans and leases to core deposits | 30.7536% | 5,451 |
| Total domestic deposits to total assets | 90.0622% | 638 |
| Equity capital to assets | 9.1099% | 4,449 |
| Core capital (leverage) ratio | 9.1666% | 4,480 |
| Tier 1 risk-based capital ratio | 21.8978% | 1,065 |
| Total risk-based capital ratio | 22.7593% | 1,100 |
| Memoranda: | ||
| Average total assets | $41,530,500 | 5,257 |
| Average earning assets | $37,297,000 | 5,266 |
| Average equity | $3,818,500 | 5,383 |
| Average total loans | $11,764,500 | 5,442 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7367% | 5,481 |
| Cost of funding earning assets | 0.2512% | 4,549 |
| Net interest margin | 2.4854% | 5,419 |
| Noninterest income to average assets | 0.1986% | 4,952 |
| Noninterest expense to average assets | 2.0006% | 4,958 |
| Loan and lease loss provision to assets | 0.1017% | 2,192 |
| Net operating income to assets | 0.3245% | 4,884 |
| Return on assets (ROA) | 0.3245% | 4,904 |
| Pretax return on assets | 0.3245% | 5,183 |
| Return on Equity (ROE) | 3.4079% | 4,716 |
| Retained earnings to average equity (ytd only) | 1.7294% | 4,274 |
| Net charge-offs to loans | 0.9956% | 179 |
| Credit loss provision to net charge-offs | 33.6000% | 3,505 |
| Earnings coverage of net charge-offs (x) | 1.4080% | 3,888 |
| Efficiency ratio | 81.7365% | 949 |
| Assets per employee ($millions) | 5.2344% | 2,215 |
| Cash dividends to net income (ytd only)* | 49.2537% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1211% | 3,239 |
| Loan loss allowance to noncurrent loans | 22.1154% | 4,953 |
| Noncurrent assets plus other real estate owned to assets | 1.4901% | 922 |
| Noncurrent loans to loans | 5.0695% | 135 |
| Net loans and leases to total assets | 29.0651% | 5,447 |
| Net loans and leases to deposits | 32.3878% | 5,488 |
| Net loans and leases to core deposits | 33.3571% | 5,493 |
| Total domestic deposits to total assets | 89.7409% | 658 |
| Equity capital to assets | 9.2776% | 4,451 |
| Core capital (leverage) ratio | 8.7984% | 4,864 |
| Tier 1 risk-based capital ratio | 20.6114% | 1,209 |
| Total risk-based capital ratio | 21.3675% | 1,252 |
| Memoranda: | ||
| Average total assets | $41,288,400 | 5,313 |
| Average earning assets | $37,016,000 | 5,320 |
| Average equity | $3,932,000 | 5,431 |
| Average total loans | $12,554,800 | 5,494 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7346% | 5,549 |
| Cost of funding earning assets | 0.2453% | 4,605 |
| Net interest margin | 2.4893% | 5,478 |
| Noninterest income to average assets | 0.2042% | 4,989 |
| Noninterest expense to average assets | 1.9768% | 5,005 |
| Loan and lease loss provision to assets | 0.1037% | 2,037 |
| Net operating income to assets | 0.3597% | 5,083 |
| Return on assets (ROA) | 0.3597% | 5,103 |
| Pretax return on assets | 0.3597% | 5,245 |
| Return on Equity (ROE) | 3.7528% | 4,931 |
| Retained earnings to average equity (ytd only) | 3.7528% | 3,689 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3453% | 1,063 |
| Assets per employee ($millions) | 5.2516% | 2,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0425% | 529 |
| Loan loss allowance to noncurrent loans | 23.5130% | 5,027 |
| Noncurrent assets plus other real estate owned to assets | 2.5611% | 411 |
| Noncurrent loans to loans | 8.6865% | 36 |
| Net loans and leases to total assets | 28.8815% | 5,523 |
| Net loans and leases to deposits | 32.2756% | 5,557 |
| Net loans and leases to core deposits | 33.2393% | 5,561 |
| Total domestic deposits to total assets | 89.4842% | 661 |
| Equity capital to assets | 9.6161% | 4,328 |
| Core capital (leverage) ratio | 9.1556% | 4,559 |
| Tier 1 risk-based capital ratio | 20.4196% | 1,291 |
| Total risk-based capital ratio | 21.6696% | 1,262 |
| Memoranda: | ||
| Average total assets | $41,141,750 | 5,372 |
| Average earning assets | $36,957,750 | 5,375 |
| Average equity | $3,943,750 | 5,489 |
| Average total loans | $12,616,250 | 5,555 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7383% | 5,582 |
| Cost of funding earning assets | 0.2391% | 4,649 |
| Net interest margin | 2.4992% | 5,506 |
| Noninterest income to average assets | 0.2056% | 5,019 |
| Noninterest expense to average assets | 1.9730% | 5,028 |
| Loan and lease loss provision to assets | 0.1028% | 1,970 |
| Net operating income to assets | 0.3819% | 5,017 |
| Return on assets (ROA) | 0.3819% | 5,046 |
| Pretax return on assets | 0.3819% | 5,207 |
| Return on Equity (ROE) | 3.9881% | 4,832 |
| Retained earnings to average equity (ytd only) | 3.9881% | 3,334 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6813% | 1,251 |
| Assets per employee ($millions) | 5.0579% | 2,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9742% | 633 |
| Loan loss allowance to noncurrent loans | 28.1395% | 4,998 |
| Noncurrent assets plus other real estate owned to assets | 2.1254% | 579 |
| Noncurrent loans to loans | 7.0158% | 70 |
| Net loans and leases to total assets | 29.6963% | 5,550 |
| Net loans and leases to deposits | 33.3038% | 5,586 |
| Net loans and leases to core deposits | 34.3383% | 5,594 |
| Total domestic deposits to total assets | 89.1679% | 875 |
| Equity capital to assets | 9.9375% | 3,987 |
| Core capital (leverage) ratio | 9.3562% | 4,281 |
| Tier 1 risk-based capital ratio | 20.9030% | 1,206 |
| Total risk-based capital ratio | 22.1551% | 1,175 |
| Memoranda: | ||
| Average total assets | $40,851,330 | 5,425 |
| Average earning assets | $36,811,670 | 5,422 |
| Average equity | $3,911,670 | 5,535 |
| Average total loans | $12,692,670 | 5,599 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7033% | 5,644 |
| Cost of funding earning assets | 0.2351% | 4,678 |
| Net interest margin | 2.4682% | 5,571 |
| Noninterest income to average assets | 0.2144% | 4,984 |
| Noninterest expense to average assets | 1.9491% | 5,153 |
| Loan and lease loss provision to assets | 0.0975% | 1,934 |
| Net operating income to assets | 0.4190% | 4,895 |
| Return on assets (ROA) | 0.4190% | 4,918 |
| Pretax return on assets | 0.4190% | 5,125 |
| Return on Equity (ROE) | 4.4594% | 4,614 |
| Retained earnings to average equity (ytd only) | 4.4594% | 3,192 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2609% | 1,594 |
| Assets per employee ($millions) | 5.1103% | 2,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8449% | 879 |
| Loan loss allowance to noncurrent loans | 41.4722% | 4,826 |
| Noncurrent assets plus other real estate owned to assets | 1.3625% | 1,232 |
| Noncurrent loans to loans | 4.4485% | 210 |
| Net loans and leases to total assets | 30.0621% | 5,586 |
| Net loans and leases to deposits | 33.5362% | 5,622 |
| Net loans and leases to core deposits | 33.8465% | 5,650 |
| Total domestic deposits to total assets | 89.6409% | 832 |
| Equity capital to assets | 9.5421% | 4,236 |
| Core capital (leverage) ratio | 8.9813% | 4,760 |
| Tier 1 risk-based capital ratio | 20.4385% | 1,310 |
| Total risk-based capital ratio | 21.6906% | 1,283 |
| Memoranda: | ||
| Average total assets | $41,045,500 | 5,484 |
| Average earning assets | $37,435,500 | 5,474 |
| Average equity | $3,857,000 | 5,602 |
| Average total loans | $12,910,000 | 5,659 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7133% | 5,682 |
| Cost of funding earning assets | 0.2437% | 4,620 |
| Net interest margin | 2.4696% | 5,602 |
| Noninterest income to average assets | 0.2037% | 5,191 |
| Noninterest expense to average assets | 1.9423% | 5,301 |
| Loan and lease loss provision to assets | 0.0533% | 3,318 |
| Net operating income to assets | 0.4195% | 4,878 |
| Return on assets (ROA) | 0.4437% | 4,899 |
| Pretax return on assets | 0.4437% | 5,134 |
| Return on Equity (ROE) | 4.5713% | 4,630 |
| Retained earnings to average equity (ytd only) | 2.3481% | 4,190 |
| Net charge-offs to loans | 0.0151% | 3,791 |
| Credit loss provision to net charge-offs | 1,100.0000% | 355 |
| Earnings coverage of net charge-offs (x) | 97.5000% | 613 |
| Efficiency ratio | 79.7189% | 1,450 |
| Assets per employee ($millions) | 5.1511% | 2,232 |
| Cash dividends to net income (ytd only)* | 48.6339% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6618% | 1,228 |
| Loan loss allowance to noncurrent loans | 39.6768% | 4,895 |
| Noncurrent assets plus other real estate owned to assets | 1.3516% | 1,281 |
| Noncurrent loans to loans | 4.1883% | 235 |
| Net loans and leases to total assets | 31.7358% | 5,605 |
| Net loans and leases to deposits | 35.3641% | 5,655 |
| Net loans and leases to core deposits | 35.6874% | 5,680 |
| Total domestic deposits to total assets | 89.7401% | 758 |
| Equity capital to assets | 9.2528% | 4,516 |
| Core capital (leverage) ratio | 8.7320% | 5,039 |
| Tier 1 risk-based capital ratio | 19.9202% | 1,391 |
| Total risk-based capital ratio | 21.1119% | 1,369 |
| Memoranda: | ||
| Average total assets | $41,239,600 | 5,519 |
| Average earning assets | $36,929,000 | 5,526 |
| Average equity | $4,003,200 | 5,643 |
| Average total loans | $13,285,200 | 5,706 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7341% | 5,748 |
| Cost of funding earning assets | 0.2433% | 4,666 |
| Net interest margin | 2.4908% | 5,661 |
| Noninterest income to average assets | 0.2069% | 5,230 |
| Noninterest expense to average assets | 1.9104% | 5,357 |
| Loan and lease loss provision to assets | 0.0388% | 3,464 |
| Net operating income to assets | 0.4752% | 4,782 |
| Return on assets (ROA) | 0.5075% | 4,768 |
| Pretax return on assets | 0.5075% | 5,107 |
| Return on Equity (ROE) | 5.1677% | 4,446 |
| Retained earnings to average equity (ytd only) | 4.1143% | 3,380 |
| Net charge-offs to loans | 0.0301% | 3,051 |
| Credit loss provision to net charge-offs | 400.0000% | 840 |
| Earnings coverage of net charge-offs (x) | 52.9975% | 1,032 |
| Efficiency ratio | 78.1333% | 1,677 |
| Assets per employee ($millions) | 5.2074% | 2,137 |
| Cash dividends to net income (ytd only)* | 20.3841% | 3,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6413% | 1,345 |
| Loan loss allowance to noncurrent loans | 34.4828% | 5,091 |
| Noncurrent assets plus other real estate owned to assets | 1.4619% | 1,237 |
| Noncurrent loans to loans | 4.7597% | 191 |
| Net loans and leases to total assets | 30.2096% | 5,709 |
| Net loans and leases to deposits | 33.8689% | 5,756 |
| Net loans and leases to core deposits | 34.1770% | 5,778 |
| Total domestic deposits to total assets | 89.1956% | 802 |
| Equity capital to assets | 9.8826% | 4,265 |
| Core capital (leverage) ratio | 8.8644% | 4,989 |
| Tier 1 risk-based capital ratio | 20.4334% | 1,364 |
| Total risk-based capital ratio | 21.5853% | 1,352 |
| Memoranda: | ||
| Average total assets | $41,247,250 | 5,572 |
| Average earning assets | $36,720,000 | 5,583 |
| Average equity | $4,050,750 | 5,696 |
| Average total loans | $13,281,750 | 5,766 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7669% | 5,816 |
| Cost of funding earning assets | 0.2411% | 4,746 |
| Net interest margin | 2.5258% | 5,726 |
| Noninterest income to average assets | 0.2141% | 5,211 |
| Noninterest expense to average assets | 1.9071% | 5,439 |
| Loan and lease loss provision to assets | 0.0146% | 3,815 |
| Net operating income to assets | 0.5351% | 4,543 |
| Return on assets (ROA) | 0.5838% | 4,462 |
| Pretax return on assets | 0.5838% | 4,930 |
| Return on Equity (ROE) | 5.9573% | 4,070 |
| Retained earnings to average equity (ytd only) | 5.8580% | 2,205 |
| Net charge-offs to loans | 0.0446% | 2,578 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 37.6667% | 1,198 |
| Efficiency ratio | 77.0297% | 1,926 |
| Assets per employee ($millions) | 5.9309% | 1,450 |
| Cash dividends to net income (ytd only)* | 1.6667% | 3,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5699% | 1,616 |
| Loan loss allowance to noncurrent loans | 32.5243% | 5,234 |
| Noncurrent assets plus other real estate owned to assets | 1.4886% | 1,283 |
| Noncurrent loans to loans | 4.8270% | 189 |
| Net loans and leases to total assets | 30.3546% | 5,773 |
| Net loans and leases to deposits | 34.0355% | 5,822 |
| Net loans and leases to core deposits | 34.3463% | 5,842 |
| Total domestic deposits to total assets | 89.1849% | 822 |
| Equity capital to assets | 9.9191% | 4,325 |
| Core capital (leverage) ratio | 9.0042% | 4,823 |
| Tier 1 risk-based capital ratio | 20.2771% | 1,393 |
| Total risk-based capital ratio | 21.3733% | 1,401 |
| Memoranda: | ||
| Average total assets | $41,110,000 | 5,635 |
| Average earning assets | $36,503,330 | 5,653 |
| Average equity | $4,028,670 | 5,759 |
| Average total loans | $13,444,000 | 5,830 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8398% | 5,832 |
| Cost of funding earning assets | 0.2512% | 4,692 |
| Net interest margin | 2.5886% | 5,732 |
| Noninterest income to average assets | 0.2053% | 5,266 |
| Noninterest expense to average assets | 1.9654% | 5,406 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5574% | 4,383 |
| Return on assets (ROA) | 0.5867% | 4,355 |
| Pretax return on assets | 0.5867% | 4,856 |
| Return on Equity (ROE) | 6.0241% | 3,973 |
| Retained earnings to average equity (ytd only) | 5.8233% | 2,456 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1318% | 2,021 |
| Assets per employee ($millions) | 5.8656% | 1,519 |
| Cash dividends to net income (ytd only)* | 3.3333% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5111% | 1,935 |
| Loan loss allowance to noncurrent loans | 35.7651% | 5,171 |
| Noncurrent assets plus other real estate owned to assets | 1.3688% | 1,543 |
| Noncurrent loans to loans | 4.2249% | 275 |
| Net loans and leases to total assets | 31.9077% | 5,782 |
| Net loans and leases to deposits | 35.7092% | 5,835 |
| Net loans and leases to core deposits | 36.0373% | 5,858 |
| Total domestic deposits to total assets | 89.3543% | 920 |
| Equity capital to assets | 9.8127% | 4,324 |
| Core capital (leverage) ratio | 8.8259% | 5,057 |
| Tier 1 risk-based capital ratio | 19.5416% | 1,605 |
| Total risk-based capital ratio | 20.6154% | 1,606 |
| Memoranda: | ||
| Average total assets | $40,907,000 | 5,697 |
| Average earning assets | $36,622,000 | 5,710 |
| Average equity | $3,984,000 | 5,819 |
| Average total loans | $13,764,500 | 5,879 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9047% | 5,807 |
| Cost of funding earning assets | 0.2409% | 4,881 |
| Net interest margin | 2.6638% | 5,687 |
| Noninterest income to average assets | 0.2088% | 5,347 |
| Noninterest expense to average assets | 1.9654% | 5,520 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6338% | 4,117 |
| Return on assets (ROA) | 0.6338% | 4,209 |
| Pretax return on assets | 0.6338% | 4,730 |
| Return on Equity (ROE) | 6.5649% | 3,745 |
| Retained earnings to average equity (ytd only) | 4.8092% | 2,560 |
| Net charge-offs to loans | 0.0520% | 3,158 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 36.8571% | 1,252 |
| Efficiency ratio | 74.9527% | 2,430 |
| Assets per employee ($millions) | 5.0944% | 2,255 |
| Cash dividends to net income (ytd only)* | 26.7442% | 3,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4128% | 2,364 |
| Loan loss allowance to noncurrent loans | 35.8289% | 5,212 |
| Noncurrent assets plus other real estate owned to assets | 1.3765% | 1,524 |
| Noncurrent loans to loans | 3.9432% | 312 |
| Net loans and leases to total assets | 34.4154% | 5,762 |
| Net loans and leases to deposits | 38.5372% | 5,820 |
| Net loans and leases to core deposits | 38.8941% | 5,855 |
| Total domestic deposits to total assets | 89.3044% | 963 |
| Equity capital to assets | 9.6651% | 4,349 |
| Core capital (leverage) ratio | 8.5870% | 5,343 |
| Tier 1 risk-based capital ratio | 18.6114% | 1,802 |
| Total risk-based capital ratio | 19.6505% | 1,804 |
| Memoranda: | ||
| Average total assets | $40,704,600 | 5,747 |
| Average earning assets | $36,526,800 | 5,756 |
| Average equity | $3,930,000 | 5,863 |
| Average total loans | $13,459,000 | 5,938 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8905% | 5,899 |
| Cost of funding earning assets | 0.2403% | 4,992 |
| Net interest margin | 2.6502% | 5,787 |
| Noninterest income to average assets | 0.2064% | 5,413 |
| Noninterest expense to average assets | 1.9397% | 5,583 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6520% | 4,122 |
| Return on assets (ROA) | 0.6520% | 4,232 |
| Pretax return on assets | 0.6520% | 4,822 |
| Return on Equity (ROE) | 6.7553% | 3,754 |
| Retained earnings to average equity (ytd only) | 6.7212% | 1,825 |
| Net charge-offs to loans | 0.0703% | 2,559 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 28.4384% | 1,545 |
| Efficiency ratio | 74.2099% | 2,518 |
| Assets per employee ($millions) | 5.1190% | 2,149 |
| Cash dividends to net income (ytd only)* | 0.5013% | 3,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5121% | 2,108 |
| Loan loss allowance to noncurrent loans | 35.8289% | 5,302 |
| Noncurrent assets plus other real estate owned to assets | 1.3699% | 1,683 |
| Noncurrent loans to loans | 4.2203% | 284 |
| Net loans and leases to total assets | 31.9691% | 5,924 |
| Net loans and leases to deposits | 35.8263% | 5,984 |
| Net loans and leases to core deposits | 36.1568% | 6,011 |
| Total domestic deposits to total assets | 89.2337% | 906 |
| Equity capital to assets | 9.8139% | 4,373 |
| Core capital (leverage) ratio | 8.7847% | 5,249 |
| Tier 1 risk-based capital ratio | 19.4034% | 1,684 |
| Total risk-based capital ratio | 20.4837% | 1,685 |
| Memoranda: | ||
| Average total assets | $40,692,000 | 5,828 |
| Average earning assets | $36,625,250 | 5,832 |
| Average equity | $3,927,750 | 5,945 |
| Average total loans | $13,267,000 | 6,022 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9257% | 5,918 |
| Cost of funding earning assets | 0.2411% | 5,041 |
| Net interest margin | 2.6847% | 5,784 |
| Noninterest income to average assets | 0.1921% | 5,527 |
| Noninterest expense to average assets | 1.9259% | 5,669 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6797% | 3,979 |
| Return on assets (ROA) | 0.6797% | 4,097 |
| Pretax return on assets | 0.6797% | 4,723 |
| Return on Equity (ROE) | 7.0818% | 3,563 |
| Retained earnings to average equity (ytd only) | 7.0305% | 1,695 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3459% | 2,774 |
| Assets per employee ($millions) | 5.0649% | 2,186 |
| Cash dividends to net income (ytd only)* | 0.7246% | 3,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6093% | 1,876 |
| Loan loss allowance to noncurrent loans | 36.2369% | 5,350 |
| Noncurrent assets plus other real estate owned to assets | 1.4166% | 1,768 |
| Noncurrent loans to loans | 4.4410% | 310 |
| Net loans and leases to total assets | 31.3853% | 5,997 |
| Net loans and leases to deposits | 35.1483% | 6,059 |
| Net loans and leases to core deposits | 35.4758% | 6,074 |
| Total domestic deposits to total assets | 89.2939% | 1,010 |
| Equity capital to assets | 9.7781% | 4,303 |
| Core capital (leverage) ratio | 8.7588% | 5,270 |
| Tier 1 risk-based capital ratio | 19.2074% | 1,751 |
| Total risk-based capital ratio | 20.3335% | 1,745 |
| Memoranda: | ||
| Average total assets | $40,605,330 | 5,893 |
| Average earning assets | $36,503,670 | 5,896 |
| Average equity | $3,897,330 | 6,010 |
| Average total loans | $13,258,330 | 6,088 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9295% | 5,968 |
| Cost of funding earning assets | 0.2378% | 5,146 |
| Net interest margin | 2.6917% | 5,817 |
| Noninterest income to average assets | 0.1870% | 5,588 |
| Noninterest expense to average assets | 1.9386% | 5,691 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6987% | 3,807 |
| Return on assets (ROA) | 0.6987% | 3,934 |
| Pretax return on assets | 0.6987% | 4,595 |
| Return on Equity (ROE) | 7.3480% | 3,301 |
| Retained earnings to average equity (ytd only) | 7.2445% | 1,889 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7612% | 3,034 |
| Assets per employee ($millions) | 5.0784% | 2,258 |
| Cash dividends to net income (ytd only)* | 1.4085% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5746% | 2,143 |
| Loan loss allowance to noncurrent loans | 113.6612% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 0.4504% | 4,234 |
| Noncurrent loans to loans | 1.3853% | 2,072 |
| Net loans and leases to total assets | 32.0033% | 5,999 |
| Net loans and leases to deposits | 35.7620% | 6,065 |
| Net loans and leases to core deposits | 36.0926% | 6,097 |
| Total domestic deposits to total assets | 89.4897% | 998 |
| Equity capital to assets | 9.6586% | 4,568 |
| Core capital (leverage) ratio | 8.4502% | 5,575 |
| Tier 1 risk-based capital ratio | 18.6502% | 1,959 |
| Total risk-based capital ratio | 19.7643% | 1,951 |
| Memoranda: | ||
| Average total assets | $40,648,500 | 5,948 |
| Average earning assets | $37,003,000 | 5,939 |
| Average equity | $3,865,000 | 6,070 |
| Average total loans | $13,425,000 | 6,138 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7570% | 6,229 |
| Cost of funding earning assets | 0.2779% | 5,022 |
| Net interest margin | 2.4791% | 6,173 |
| Noninterest income to average assets | 0.1985% | 5,666 |
| Noninterest expense to average assets | 1.8458% | 6,010 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4609% | 4,961 |
| Return on assets (ROA) | 0.4609% | 5,056 |
| Pretax return on assets | 0.4609% | 5,354 |
| Return on Equity (ROE) | 5.3024% | 4,513 |
| Retained earnings to average equity (ytd only) | 3.9700% | 3,391 |
| Net charge-offs to loans | 0.0256% | 4,315 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 65.0000% | 746 |
| Efficiency ratio | 78.8934% | 2,079 |
| Assets per employee ($millions) | 5.0838% | 2,224 |
| Cash dividends to net income (ytd only)* | 25.1282% | 3,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5249% | 2,363 |
| Loan loss allowance to noncurrent loans | 113.0435% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 0.4524% | 4,304 |
| Noncurrent loans to loans | 1.3490% | 2,183 |
| Net loans and leases to total assets | 33.0268% | 6,082 |
| Net loans and leases to deposits | 36.8576% | 6,142 |
| Net loans and leases to core deposits | 37.1975% | 6,177 |
| Total domestic deposits to total assets | 89.6066% | 921 |
| Equity capital to assets | 9.3582% | 4,899 |
| Core capital (leverage) ratio | 8.0914% | 5,940 |
| Tier 1 risk-based capital ratio | 17.2419% | 2,403 |
| Total risk-based capital ratio | 18.2930% | 2,447 |
| Memoranda: | ||
| Average total assets | $42,311,600 | 5,976 |
| Average earning assets | $35,981,200 | 6,034 |
| Average equity | $3,677,600 | 6,150 |
| Average total loans | $11,724,800 | 6,261 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7447% | 6,311 |
| Cost of funding earning assets | 0.2854% | 5,043 |
| Net interest margin | 2.4593% | 6,259 |
| Noninterest income to average assets | 0.1873% | 5,798 |
| Noninterest expense to average assets | 1.7976% | 6,094 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4338% | 5,132 |
| Return on assets (ROA) | 0.4338% | 5,209 |
| Pretax return on assets | 0.4338% | 5,516 |
| Return on Equity (ROE) | 5.0838% | 4,681 |
| Retained earnings to average equity (ytd only) | 3.2917% | 4,279 |
| Net charge-offs to loans | 0.0356% | 3,775 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 46.3325% | 1,026 |
| Efficiency ratio | 79.3007% | 2,010 |
| Assets per employee ($millions) | 5.4084% | 1,810 |
| Cash dividends to net income (ytd only)* | 35.2506% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8570% | 1,558 |
| Loan loss allowance to noncurrent loans | 107.7720% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 0.4461% | 4,569 |
| Noncurrent loans to loans | 1.7231% | 1,883 |
| Net loans and leases to total assets | 25.4074% | 6,366 |
| Net loans and leases to deposits | 28.0455% | 6,393 |
| Net loans and leases to core deposits | 28.2858% | 6,407 |
| Total domestic deposits to total assets | 90.5933% | 492 |
| Equity capital to assets | 8.4891% | 5,807 |
| Core capital (leverage) ratio | 7.7432% | 6,198 |
| Tier 1 risk-based capital ratio | 18.2510% | 2,136 |
| Total risk-based capital ratio | 19.3822% | 2,127 |
| Memoranda: | ||
| Average total assets | $42,722,000 | 6,030 |
| Average earning assets | $35,510,500 | 6,123 |
| Average equity | $3,645,500 | 6,227 |
| Average total loans | $11,246,000 | 6,343 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7899% | 6,345 |
| Cost of funding earning assets | 0.2991% | 4,977 |
| Net interest margin | 2.4907% | 6,290 |
| Noninterest income to average assets | 0.1881% | 5,832 |
| Noninterest expense to average assets | 1.8100% | 6,131 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4137% | 5,158 |
| Return on assets (ROA) | 0.4137% | 5,241 |
| Pretax return on assets | 0.4137% | 5,516 |
| Return on Equity (ROE) | 4.8400% | 4,752 |
| Retained earnings to average equity (ytd only) | 4.7850% | 3,096 |
| Net charge-offs to loans | 0.0533% | 3,205 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 29.3333% | 1,270 |
| Efficiency ratio | 79.9154% | 2,038 |
| Assets per employee ($millions) | 5.4546% | 1,735 |
| Cash dividends to net income (ytd only)* | 1.1364% | 3,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9545% | 1,447 |
| Loan loss allowance to noncurrent loans | 106.6667% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 0.4469% | 4,662 |
| Noncurrent loans to loans | 1.8324% | 1,869 |
| Net loans and leases to total assets | 23.9109% | 6,454 |
| Net loans and leases to deposits | 26.4125% | 6,486 |
| Net loans and leases to core deposits | 26.6371% | 6,487 |
| Total domestic deposits to total assets | 90.5287% | 578 |
| Equity capital to assets | 8.5867% | 5,725 |
| Core capital (leverage) ratio | 7.8846% | 6,164 |
| Tier 1 risk-based capital ratio | 18.6828% | 2,009 |
| Total risk-based capital ratio | 19.8418% | 1,993 |
| Memoranda: | ||
| Average total assets | $42,540,330 | 6,089 |
| Average earning assets | $34,768,670 | 6,201 |
| Average equity | $3,636,330 | 6,273 |
| Average total loans | $11,261,000 | 6,402 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8594% | 6,352 |
| Cost of funding earning assets | 0.3164% | 4,904 |
| Net interest margin | 2.5430% | 6,297 |
| Noninterest income to average assets | 0.2000% | 5,757 |
| Noninterest expense to average assets | 1.8861% | 6,090 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3810% | 5,186 |
| Return on assets (ROA) | 0.3810% | 5,260 |
| Pretax return on assets | 0.3810% | 5,512 |
| Return on Equity (ROE) | 4.4680% | 4,808 |
| Retained earnings to average equity (ytd only) | 4.3563% | 3,513 |
| Net charge-offs to loans | 0.1037% | 2,140 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 13.3333% | 1,669 |
| Efficiency ratio | 80.6723% | 2,096 |
| Assets per employee ($millions) | 6.0639% | 1,262 |
| Cash dividends to net income (ytd only)* | 2.5000% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9079% | 1,727 |
| Loan loss allowance to noncurrent loans | 106.1224% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 0.4618% | 4,756 |
| Noncurrent loans to loans | 1.7978% | 2,143 |
| Net loans and leases to total assets | 25.1938% | 6,484 |
| Net loans and leases to deposits | 27.7911% | 6,514 |
| Net loans and leases to core deposits | 28.3901% | 6,522 |
| Total domestic deposits to total assets | 90.6542% | 708 |
| Equity capital to assets | 8.5047% | 5,652 |
| Core capital (leverage) ratio | 7.7290% | 6,259 |
| Tier 1 risk-based capital ratio | 18.5071% | 2,122 |
| Total risk-based capital ratio | 19.6719% | 2,107 |
| Memoranda: | ||
| Average total assets | $41,992,000 | 6,167 |
| Average earning assets | $34,133,500 | 6,284 |
| Average equity | $3,581,000 | 6,330 |
| Average total loans | $11,570,500 | 6,460 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7342% | 6,526 |
| Cost of funding earning assets | 0.3432% | 5,211 |
| Net interest margin | 2.3910% | 6,456 |
| Noninterest income to average assets | 0.1965% | 5,910 |
| Noninterest expense to average assets | 1.7545% | 6,384 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3583% | 5,303 |
| Return on assets (ROA) | 0.4877% | 4,929 |
| Pretax return on assets | 0.4877% | 5,235 |
| Return on Equity (ROE) | 5.7808% | 4,222 |
| Retained earnings to average equity (ytd only) | 0.5753% | 5,584 |
| Net charge-offs to loans | 0.2394% | 2,539 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 5.7407% | 3,226 |
| Efficiency ratio | 79.6499% | 2,213 |
| Assets per employee ($millions) | 5.1921% | 1,970 |
| Cash dividends to net income (ytd only)* | 90.0474% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7240% | 2,325 |
| Loan loss allowance to noncurrent loans | 106.0302% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 0.4791% | 4,803 |
| Noncurrent loans to loans | 1.6259% | 2,462 |
| Net loans and leases to total assets | 28.9573% | 6,495 |
| Net loans and leases to deposits | 32.0277% | 6,537 |
| Net loans and leases to core deposits | 32.3134% | 6,556 |
| Total domestic deposits to total assets | 90.4134% | 863 |
| Equity capital to assets | 8.5514% | 5,527 |
| Core capital (leverage) ratio | 7.6146% | 6,336 |
| Tier 1 risk-based capital ratio | 17.3732% | 2,465 |
| Total risk-based capital ratio | 18.4970% | 2,485 |
| Memoranda: | ||
| Average total assets | $43,260,400 | 6,193 |
| Average earning assets | $34,671,800 | 6,330 |
| Average equity | $3,650,000 | 6,402 |
| Average total loans | $11,278,800 | 6,545 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6829% | 6,628 |
| Cost of funding earning assets | 0.3488% | 5,305 |
| Net interest margin | 2.3341% | 6,565 |
| Noninterest income to average assets | 0.1953% | 6,003 |
| Noninterest expense to average assets | 1.6906% | 6,478 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3631% | 5,396 |
| Return on assets (ROA) | 0.5340% | 4,805 |
| Pretax return on assets | 0.5340% | 5,259 |
| Return on Equity (ROE) | 6.3500% | 4,008 |
| Retained earnings to average equity (ytd only) | 1.9595% | 5,152 |
| Net charge-offs to loans | 0.3382% | 1,859 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 4.2502% | 3,488 |
| Efficiency ratio | 78.9004% | 2,276 |
| Assets per employee ($millions) | 5.4860% | 1,637 |
| Cash dividends to net income (ytd only)* | 69.1424% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9475% | 1,860 |
| Loan loss allowance to noncurrent loans | 105.5276% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 0.4534% | 5,066 |
| Noncurrent loans to loans | 1.8455% | 2,439 |
| Net loans and leases to total assets | 24.0909% | 6,689 |
| Net loans and leases to deposits | 26.5213% | 6,717 |
| Net loans and leases to core deposits | 26.7441% | 6,732 |
| Total domestic deposits to total assets | 90.8358% | 598 |
| Equity capital to assets | 8.2551% | 5,951 |
| Core capital (leverage) ratio | 7.5843% | 6,417 |
| Tier 1 risk-based capital ratio | 18.2651% | 2,224 |
| Total risk-based capital ratio | 19.4313% | 2,220 |
| Memoranda: | ||
| Average total assets | $43,691,250 | 6,254 |
| Average earning assets | $34,787,000 | 6,395 |
| Average equity | $3,674,500 | 6,473 |
| Average total loans | $11,038,750 | 6,624 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6569% | 6,678 |
| Cost of funding earning assets | 0.3592% | 5,324 |
| Net interest margin | 2.2977% | 6,620 |
| Noninterest income to average assets | 0.1925% | 6,058 |
| Noninterest expense to average assets | 1.7238% | 6,478 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3163% | 5,539 |
| Return on assets (ROA) | 0.3163% | 5,693 |
| Pretax return on assets | 0.3163% | 5,829 |
| Return on Equity (ROE) | 3.7381% | 5,319 |
| Retained earnings to average equity (ytd only) | -2.8172% | 6,286 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8989% | 2,036 |
| Assets per employee ($millions) | 5.4155% | 1,677 |
| Cash dividends to net income (ytd only)* | 175.3623% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3618% | 1,153 |
| Loan loss allowance to noncurrent loans | 517.3913% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.1062% | 6,177 |
| Noncurrent loans to loans | 0.4565% | 5,119 |
| Net loans and leases to total assets | 22.7103% | 6,750 |
| Net loans and leases to deposits | 24.9949% | 6,784 |
| Net loans and leases to core deposits | 25.2075% | 6,794 |
| Total domestic deposits to total assets | 90.8596% | 598 |
| Equity capital to assets | 8.2449% | 6,024 |
| Core capital (leverage) ratio | 7.2966% | 6,531 |
| Tier 1 risk-based capital ratio | 18.4291% | 2,164 |
| Total risk-based capital ratio | 19.6821% | 2,127 |
| Memoranda: | ||
| Average total assets | $43,625,670 | 6,297 |
| Average earning assets | $35,078,670 | 6,431 |
| Average equity | $3,691,670 | 6,520 |
| Average total loans | $11,124,000 | 6,666 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6732% | 6,743 |
| Cost of funding earning assets | 0.3754% | 5,323 |
| Net interest margin | 2.2978% | 6,685 |
| Noninterest income to average assets | 0.1827% | 6,171 |
| Noninterest expense to average assets | 1.7635% | 6,480 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2650% | 5,681 |
| Return on assets (ROA) | 0.2650% | 5,802 |
| Pretax return on assets | 0.2650% | 5,920 |
| Return on Equity (ROE) | 3.0921% | 5,551 |
| Retained earnings to average equity (ytd only) | -9.8094% | 6,607 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3333% | 1,849 |
| Assets per employee ($millions) | 6.5543% | 965 |
| Cash dividends to net income (ytd only)* | 417.2414% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3779% | 1,281 |
| Loan loss allowance to noncurrent loans | 626.3158% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.0828% | 6,345 |
| Noncurrent loans to loans | 0.3797% | 5,458 |
| Net loans and leases to total assets | 21.2969% | 6,833 |
| Net loans and leases to deposits | 23.3812% | 6,872 |
| Net loans and leases to core deposits | 23.5679% | 6,874 |
| Total domestic deposits to total assets | 91.0854% | 494 |
| Equity capital to assets | 8.1299% | 6,312 |
| Core capital (leverage) ratio | 6.7891% | 6,696 |
| Tier 1 risk-based capital ratio | 17.3857% | 2,609 |
| Total risk-based capital ratio | 18.6360% | 2,572 |
| Memoranda: | ||
| Average total assets | $43,776,500 | 6,354 |
| Average earning assets | $35,163,500 | 6,484 |
| Average equity | $3,751,500 | 6,572 |
| Average total loans | $11,647,500 | 6,717 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4273% | 6,453 |
| Cost of funding earning assets | 0.5665% | 4,676 |
| Net interest margin | 2.8609% | 6,295 |
| Noninterest income to average assets | 0.2030% | 5,965 |
| Noninterest expense to average assets | 2.0761% | 6,173 |
| Loan and lease loss provision to assets | 0.0073% | 5,832 |
| Net operating income to assets | 0.3301% | 5,364 |
| Return on assets (ROA) | 0.3301% | 5,575 |
| Pretax return on assets | 0.3301% | 5,767 |
| Return on Equity (ROE) | 3.5824% | 5,313 |
| Retained earnings to average equity (ytd only) | 1.3799% | 5,189 |
| Net charge-offs to loans | 0.0247% | 5,554 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 46.0000% | 714 |
| Efficiency ratio | 82.8774% | 1,764 |
| Assets per employee ($millions) | 5.2091% | 1,974 |
| Cash dividends to net income (ytd only)* | 61.4815% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7914% | 2,613 |
| Loan loss allowance to noncurrent loans | 721.2121% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.0792% | 6,406 |
| Noncurrent loans to loans | 0.2484% | 5,858 |
| Net loans and leases to total assets | 31.3104% | 6,651 |
| Net loans and leases to deposits | 34.8207% | 6,713 |
| Net loans and leases to core deposits | 35.1310% | 6,743 |
| Total domestic deposits to total assets | 89.9191% | 993 |
| Equity capital to assets | 9.0538% | 5,461 |
| Core capital (leverage) ratio | 7.1964% | 6,635 |
| Tier 1 risk-based capital ratio | 15.9210% | 3,203 |
| Total risk-based capital ratio | 17.1421% | 3,181 |
| Memoranda: | ||
| Average total assets | $40,893,600 | 6,474 |
| Average earning assets | $31,598,800 | 6,624 |
| Average equity | $3,768,400 | 6,616 |
| Average total loans | $12,145,000 | 6,774 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3800% | 6,652 |
| Cost of funding earning assets | 0.6045% | 4,599 |
| Net interest margin | 2.7755% | 6,535 |
| Noninterest income to average assets | 0.1966% | 6,122 |
| Noninterest expense to average assets | 2.0803% | 6,208 |
| Loan and lease loss provision to assets | 0.0098% | 5,685 |
| Net operating income to assets | 0.2424% | 5,803 |
| Return on assets (ROA) | 0.2424% | 5,990 |
| Pretax return on assets | 0.2424% | 6,059 |
| Return on Equity (ROE) | 2.6189% | 5,838 |
| Retained earnings to average equity (ytd only) | -0.1062% | 6,100 |
| Net charge-offs to loans | 0.0337% | 5,174 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 25.6650% | 1,238 |
| Efficiency ratio | 85.9551% | 1,382 |
| Assets per employee ($millions) | 6.0496% | 1,223 |
| Cash dividends to net income (ytd only)* | 104.0543% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0375% | 2,065 |
| Loan loss allowance to noncurrent loans | 112.2642% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 0.5006% | 5,418 |
| Noncurrent loans to loans | 1.8149% | 3,056 |
| Net loans and leases to total assets | 27.0220% | 6,898 |
| Net loans and leases to deposits | 29.9838% | 6,951 |
| Net loans and leases to core deposits | 30.6512% | 6,959 |
| Total domestic deposits to total assets | 90.1221% | 782 |
| Equity capital to assets | 8.9333% | 5,888 |
| Core capital (leverage) ratio | 7.1835% | 6,757 |
| Tier 1 risk-based capital ratio | 16.4610% | 3,024 |
| Total risk-based capital ratio | 17.7114% | 2,988 |
| Memoranda: | ||
| Average total assets | $40,698,750 | 6,561 |
| Average earning assets | $31,320,500 | 6,714 |
| Average equity | $3,767,250 | 6,702 |
| Average total loans | $11,859,750 | 6,878 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4627% | 6,652 |
| Cost of funding earning assets | 0.6521% | 4,426 |
| Net interest margin | 2.8106% | 6,558 |
| Noninterest income to average assets | 0.1843% | 6,248 |
| Noninterest expense to average assets | 2.1918% | 6,033 |
| Loan and lease loss provision to assets | 0.0149% | 5,473 |
| Net operating income to assets | 0.1245% | 6,105 |
| Return on assets (ROA) | 0.1245% | 6,269 |
| Pretax return on assets | 0.1245% | 6,273 |
| Return on Equity (ROE) | 1.3291% | 6,228 |
| Retained earnings to average equity (ytd only) | -1.9670% | 6,356 |
| Net charge-offs to loans | 0.0503% | 4,699 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 9.3333% | 2,182 |
| Efficiency ratio | 90.8120% | 1,016 |
| Assets per employee ($millions) | 5.8799% | 1,308 |
| Cash dividends to net income (ytd only)* | 248.0000% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1694% | 1,844 |
| Loan loss allowance to noncurrent loans | 110.1852% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 0.5248% | 5,452 |
| Noncurrent loans to loans | 1.9688% | 2,979 |
| Net loans and leases to total assets | 26.0769% | 6,975 |
| Net loans and leases to deposits | 28.9807% | 7,023 |
| Net loans and leases to core deposits | 29.2412% | 7,037 |
| Total domestic deposits to total assets | 89.9803% | 931 |
| Equity capital to assets | 9.0648% | 5,631 |
| Core capital (leverage) ratio | 7.3542% | 6,683 |
| Tier 1 risk-based capital ratio | 16.9251% | 2,702 |
| Total risk-based capital ratio | 18.1767% | 2,661 |
| Memoranda: | ||
| Average total assets | $40,149,330 | 6,627 |
| Average earning assets | $30,669,670 | 6,778 |
| Average equity | $3,762,000 | 6,739 |
| Average total loans | $11,919,330 | 6,929 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6029% | 6,568 |
| Cost of funding earning assets | 0.7125% | 4,177 |
| Net interest margin | 2.8904% | 6,501 |
| Noninterest income to average assets | 0.1816% | 6,294 |
| Noninterest expense to average assets | 2.1995% | 6,045 |
| Loan and lease loss provision to assets | 0.0303% | 4,988 |
| Net operating income to assets | 0.1211% | 6,190 |
| Return on assets (ROA) | 0.1211% | 6,319 |
| Pretax return on assets | 0.1211% | 6,348 |
| Return on Equity (ROE) | 1.2707% | 6,292 |
| Retained earnings to average equity (ytd only) | -5.2945% | 6,600 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1288% | 1,083 |
| Assets per employee ($millions) | 5.1911% | 2,000 |
| Cash dividends to net income (ytd only)* | 516.6667% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1263% | 2,033 |
| Loan loss allowance to noncurrent loans | 168.5315% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.3443% | 6,023 |
| Noncurrent loans to loans | 1.2617% | 4,223 |
| Net loans and leases to total assets | 26.7115% | 7,011 |
| Net loans and leases to deposits | 29.6121% | 7,060 |
| Net loans and leases to core deposits | 29.8745% | 7,076 |
| Total domestic deposits to total assets | 90.2044% | 969 |
| Equity capital to assets | 8.9239% | 5,605 |
| Core capital (leverage) ratio | 7.1854% | 6,769 |
| Tier 1 risk-based capital ratio | 16.4770% | 2,920 |
| Total risk-based capital ratio | 17.7257% | 2,889 |
| Memoranda: | ||
| Average total assets | $39,644,500 | 6,696 |
| Average earning assets | $29,753,500 | 6,858 |
| Average equity | $3,777,500 | 6,782 |
| Average total loans | $12,393,500 | 6,961 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2457% | 5,928 |
| Cost of funding earning assets | 0.9155% | 4,002 |
| Net interest margin | 3.3302% | 5,722 |
| Noninterest income to average assets | 0.1968% | 6,098 |
| Noninterest expense to average assets | 2.3727% | 5,845 |
| Loan and lease loss provision to assets | 0.0383% | 6,093 |
| Net operating income to assets | 0.3909% | 4,909 |
| Return on assets (ROA) | 0.3909% | 5,074 |
| Pretax return on assets | 0.3909% | 5,322 |
| Return on Equity (ROE) | 3.7987% | 4,949 |
| Retained earnings to average equity (ytd only) | 0.9298% | 5,427 |
| Net charge-offs to loans | 0.0152% | 6,227 |
| Credit loss provision to net charge-offs | 700.0000% | 313 |
| Earnings coverage of net charge-offs (x) | 78.5000% | 378 |
| Efficiency ratio | 81.3659% | 2,105 |
| Assets per employee ($millions) | 4.7200% | 2,561 |
| Cash dividends to net income (ytd only)* | 75.5245% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7691% | 2,968 |
| Loan loss allowance to noncurrent loans | 147.8261% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.4264% | 5,903 |
| Noncurrent loans to loans | 1.1968% | 4,375 |
| Net loans and leases to total assets | 34.9974% | 6,816 |
| Net loans and leases to deposits | 39.4701% | 6,909 |
| Net loans and leases to core deposits | 39.8618% | 6,952 |
| Total domestic deposits to total assets | 88.6679% | 1,738 |
| Equity capital to assets | 10.1933% | 3,914 |
| Core capital (leverage) ratio | 8.1117% | 6,125 |
| Tier 1 risk-based capital ratio | 16.1908% | 2,959 |
| Total risk-based capital ratio | 17.4354% | 2,926 |
| Memoranda: | ||
| Average total assets | $36,582,400 | 6,778 |
| Average earning assets | $28,617,200 | 6,908 |
| Average equity | $3,764,400 | 6,813 |
| Average total loans | $13,137,800 | 6,988 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1942% | 6,218 |
| Cost of funding earning assets | 0.9295% | 4,199 |
| Net interest margin | 3.2647% | 5,968 |
| Noninterest income to average assets | 0.1984% | 6,174 |
| Noninterest expense to average assets | 2.3442% | 5,924 |
| Loan and lease loss provision to assets | 0.0441% | 5,888 |
| Net operating income to assets | 0.4299% | 4,857 |
| Return on assets (ROA) | 0.4299% | 5,052 |
| Pretax return on assets | 0.4299% | 5,376 |
| Return on Equity (ROE) | 4.1675% | 4,929 |
| Retained earnings to average equity (ytd only) | 0.6056% | 5,776 |
| Net charge-offs to loans | 0.0204% | 5,868 |
| Credit loss provision to net charge-offs | 600.0000% | 448 |
| Earnings coverage of net charge-offs (x) | 64.4195% | 512 |
| Efficiency ratio | 79.7914% | 2,283 |
| Assets per employee ($millions) | 4.6369% | 2,708 |
| Cash dividends to net income (ytd only)* | 85.4679% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7956% | 2,963 |
| Loan loss allowance to noncurrent loans | 97.1193% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 0.6551% | 5,500 |
| Noncurrent loans to loans | 1.8489% | 3,568 |
| Net loans and leases to total assets | 34.7944% | 6,920 |
| Net loans and leases to deposits | 39.3554% | 6,997 |
| Net loans and leases to core deposits | 39.7530% | 7,047 |
| Total domestic deposits to total assets | 88.4108% | 1,805 |
| Equity capital to assets | 10.4947% | 3,712 |
| Core capital (leverage) ratio | 8.3128% | 5,957 |
| Tier 1 risk-based capital ratio | 16.5126% | 2,859 |
| Total risk-based capital ratio | 17.7650% | 2,821 |
| Memoranda: | ||
| Average total assets | $36,288,000 | 6,848 |
| Average earning assets | $29,118,500 | 6,961 |
| Average equity | $3,743,250 | 6,873 |
| Average total loans | $13,059,000 | 7,057 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2474% | 6,169 |
| Cost of funding earning assets | 0.9562% | 4,275 |
| Net interest margin | 3.2912% | 5,883 |
| Noninterest income to average assets | 0.2110% | 6,156 |
| Noninterest expense to average assets | 2.3654% | 5,942 |
| Loan and lease loss provision to assets | 0.0444% | 5,760 |
| Net operating income to assets | 0.4387% | 4,776 |
| Return on assets (ROA) | 0.4387% | 4,910 |
| Pretax return on assets | 0.4387% | 5,267 |
| Return on Equity (ROE) | 4.2780% | 4,801 |
| Retained earnings to average equity (ytd only) | -1.0830% | 6,066 |
| Net charge-offs to loans | 0.0153% | 5,631 |
| Credit loss provision to net charge-offs | 800.0000% | 414 |
| Earnings coverage of net charge-offs (x) | 87.0000% | 401 |
| Efficiency ratio | 79.5322% | 2,460 |
| Assets per employee ($millions) | 4.5560% | 2,748 |
| Cash dividends to net income (ytd only)* | 125.3165% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8535% | 2,820 |
| Loan loss allowance to noncurrent loans | 94.3320% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 0.6777% | 5,545 |
| Noncurrent loans to loans | 1.9648% | 3,526 |
| Net loans and leases to total assets | 33.8510% | 7,050 |
| Net loans and leases to deposits | 38.2289% | 7,114 |
| Net loans and leases to core deposits | 38.9863% | 7,144 |
| Total domestic deposits to total assets | 88.5481% | 1,822 |
| Equity capital to assets | 10.3545% | 3,686 |
| Core capital (leverage) ratio | 8.3450% | 5,798 |
| Tier 1 risk-based capital ratio | 16.6118% | 2,691 |
| Total risk-based capital ratio | 17.8622% | 2,646 |
| Memoranda: | ||
| Average total assets | $36,019,000 | 6,916 |
| Average earning assets | $28,864,670 | 7,036 |
| Average equity | $3,693,330 | 6,931 |
| Average total loans | $13,031,000 | 7,128 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3588% | 5,825 |
| Cost of funding earning assets | 1.0124% | 4,109 |
| Net interest margin | 3.3465% | 5,620 |
| Noninterest income to average assets | 0.2234% | 6,131 |
| Noninterest expense to average assets | 2.3908% | 5,908 |
| Loan and lease loss provision to assets | 0.0447% | 5,443 |
| Net operating income to assets | 0.4469% | 4,737 |
| Return on assets (ROA) | 0.4469% | 4,818 |
| Pretax return on assets | 0.4469% | 5,199 |
| Return on Equity (ROE) | 4.3800% | 4,711 |
| Retained earnings to average equity (ytd only) | -2.4090% | 6,209 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0698% | 2,684 |
| Assets per employee ($millions) | 4.5896% | 2,749 |
| Cash dividends to net income (ytd only)* | 155.0000% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8328% | 2,914 |
| Loan loss allowance to noncurrent loans | 93.1174% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 0.6727% | 5,609 |
| Noncurrent loans to loans | 1.9683% | 3,616 |
| Net loans and leases to total assets | 33.5512% | 7,106 |
| Net loans and leases to deposits | 37.6843% | 7,175 |
| Net loans and leases to core deposits | 38.4200% | 7,212 |
| Total domestic deposits to total assets | 89.0323% | 1,754 |
| Equity capital to assets | 9.9491% | 3,842 |
| Core capital (leverage) ratio | 8.1766% | 6,000 |
| Tier 1 risk-based capital ratio | 16.5598% | 2,637 |
| Total risk-based capital ratio | 17.8096% | 2,612 |
| Memoranda: | ||
| Average total assets | $35,804,500 | 6,970 |
| Average earning assets | $28,448,000 | 7,093 |
| Average equity | $3,653,000 | 6,971 |
| Average total loans | $13,261,000 | 7,175 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0612% | 4,279 |
| Cost of funding earning assets | 1.3494% | 3,578 |
| Net interest margin | 3.7118% | 4,300 |
| Noninterest income to average assets | 0.2407% | 6,080 |
| Noninterest expense to average assets | 2.6305% | 5,296 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.5255% | 3,981 |
| Return on assets (ROA) | 0.6694% | 3,491 |
| Pretax return on assets | 0.6694% | 4,096 |
| Return on Equity (ROE) | 6.2545% | 3,478 |
| Retained earnings to average equity (ytd only) | 2.7706% | 3,915 |
| Net charge-offs to loans | 0.0683% | 6,117 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 19.8889% | 1,039 |
| Efficiency ratio | 79.5349% | 2,474 |
| Assets per employee ($millions) | 4.3615% | 3,096 |
| Cash dividends to net income (ytd only)* | 55.7018% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6174% | 3,515 |
| Loan loss allowance to noncurrent loans | 92.2449% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 0.7022% | 5,597 |
| Noncurrent loans to loans | 1.7534% | 3,877 |
| Net loans and leases to total assets | 39.3987% | 6,999 |
| Net loans and leases to deposits | 44.5261% | 7,101 |
| Net loans and leases to core deposits | 45.4461% | 7,159 |
| Total domestic deposits to total assets | 88.4845% | 1,955 |
| Equity capital to assets | 10.4694% | 3,189 |
| Core capital (leverage) ratio | 8.5523% | 5,270 |
| Tier 1 risk-based capital ratio | 15.9783% | 2,763 |
| Total risk-based capital ratio | 17.1674% | 2,744 |
| Memoranda: | ||
| Average total assets | $34,062,000 | 7,075 |
| Average earning assets | $26,752,800 | 7,201 |
| Average equity | $3,645,400 | 7,095 |
| Average total loans | $13,169,200 | 7,245 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1032% | 4,296 |
| Cost of funding earning assets | 1.3872% | 3,653 |
| Net interest margin | 3.7160% | 4,323 |
| Noninterest income to average assets | 0.2481% | 6,117 |
| Noninterest expense to average assets | 2.5639% | 5,453 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.6065% | 3,857 |
| Return on assets (ROA) | 0.7995% | 3,157 |
| Pretax return on assets | 0.7995% | 3,906 |
| Return on Equity (ROE) | 7.4286% | 3,135 |
| Retained earnings to average equity (ytd only) | 2.8176% | 4,453 |
| Net charge-offs to loans | 0.1028% | 5,504 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 15.4036% | 1,444 |
| Efficiency ratio | 77.0186% | 2,759 |
| Assets per employee ($millions) | 4.3324% | 3,198 |
| Cash dividends to net income (ytd only)* | 62.0705% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7373% | 3,031 |
| Loan loss allowance to noncurrent loans | 103.6866% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 0.6261% | 5,880 |
| Noncurrent loans to loans | 1.6755% | 4,129 |
| Net loans and leases to total assets | 36.7177% | 7,233 |
| Net loans and leases to deposits | 41.7670% | 7,313 |
| Net loans and leases to core deposits | 43.6525% | 7,332 |
| Total domestic deposits to total assets | 87.9108% | 2,010 |
| Equity capital to assets | 10.8774% | 3,077 |
| Core capital (leverage) ratio | 8.8371% | 4,945 |
| Tier 1 risk-based capital ratio | 16.8933% | 2,378 |
| Total risk-based capital ratio | 18.1461% | 2,340 |
| Memoranda: | ||
| Average total assets | $33,854,500 | 7,167 |
| Average earning assets | $26,623,000 | 7,293 |
| Average equity | $3,643,500 | 7,188 |
| Average total loans | $12,968,250 | 7,348 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2291% | 3,807 |
| Cost of funding earning assets | 1.4035% | 3,855 |
| Net interest margin | 3.8256% | 3,784 |
| Noninterest income to average assets | 0.2322% | 6,251 |
| Noninterest expense to average assets | 2.5844% | 5,383 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6669% | 3,547 |
| Return on assets (ROA) | 0.9587% | 2,420 |
| Pretax return on assets | 0.9587% | 3,279 |
| Return on Equity (ROE) | 8.9411% | 2,494 |
| Retained earnings to average equity (ytd only) | 2.0548% | 4,833 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8242% | 3,101 |
| Assets per employee ($millions) | 4.1089% | 3,567 |
| Cash dividends to net income (ytd only)* | 77.0186% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8637% | 2,528 |
| Loan loss allowance to noncurrent loans | 112.4402% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.6358% | 5,900 |
| Noncurrent loans to loans | 1.6575% | 4,216 |
| Net loans and leases to total assets | 37.6441% | 7,285 |
| Net loans and leases to deposits | 42.9370% | 7,358 |
| Net loans and leases to core deposits | 44.9865% | 7,382 |
| Total domestic deposits to total assets | 87.6730% | 2,173 |
| Equity capital to assets | 11.1192% | 2,757 |
| Core capital (leverage) ratio | 9.1175% | 4,435 |
| Tier 1 risk-based capital ratio | 16.9861% | 2,284 |
| Total risk-based capital ratio | 18.2371% | 2,236 |
| Memoranda: | ||
| Average total assets | $33,586,330 | 7,229 |
| Average earning assets | $26,505,670 | 7,353 |
| Average equity | $3,601,330 | 7,236 |
| Average total loans | $12,974,000 | 7,398 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3491% | 3,303 |
| Cost of funding earning assets | 1.4589% | 3,815 |
| Net interest margin | 3.8903% | 3,373 |
| Noninterest income to average assets | 0.2239% | 6,363 |
| Noninterest expense to average assets | 2.5218% | 5,648 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7188% | 3,352 |
| Return on assets (ROA) | 1.2963% | 1,378 |
| Pretax return on assets | 1.2963% | 2,061 |
| Return on Equity (ROE) | 12.3094% | 1,418 |
| Retained earnings to average equity (ytd only) | 5.3714% | 2,948 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1818% | 3,550 |
| Assets per employee ($millions) | 4.1480% | 3,567 |
| Cash dividends to net income (ytd only)* | 56.3636% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8589% | 2,552 |
| Loan loss allowance to noncurrent loans | 232.6733% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.3044% | 6,716 |
| Noncurrent loans to loans | 0.7989% | 5,717 |
| Net loans and leases to total assets | 37.3885% | 7,370 |
| Net loans and leases to deposits | 42.4345% | 7,448 |
| Net loans and leases to core deposits | 44.8554% | 7,457 |
| Total domestic deposits to total assets | 88.1087% | 2,000 |
| Equity capital to assets | 10.7612% | 2,990 |
| Core capital (leverage) ratio | 8.7161% | 4,995 |
| Tier 1 risk-based capital ratio | 17.0040% | 2,270 |
| Total risk-based capital ratio | 18.2537% | 2,219 |
| Memoranda: | ||
| Average total assets | $33,944,000 | 7,308 |
| Average earning assets | $26,322,000 | 7,452 |
| Average equity | $3,574,500 | 7,321 |
| Average total loans | $13,156,500 | 7,484 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3254% | 5,057 |
| Cost of funding earning assets | 1.7133% | 4,439 |
| Net interest margin | 3.6121% | 4,511 |
| Noninterest income to average assets | 0.3149% | 5,827 |
| Noninterest expense to average assets | 2.6503% | 5,595 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.4616% | 3,885 |
| Return on assets (ROA) | 0.6542% | 3,170 |
| Pretax return on assets | 0.6542% | 3,728 |
| Return on Equity (ROE) | 6.1533% | 3,151 |
| Retained earnings to average equity (ytd only) | 2.3291% | 3,488 |
| Net charge-offs to loans | 0.0708% | 6,409 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 16.7778% | 1,231 |
| Efficiency ratio | 81.1395% | 2,724 |
| Assets per employee ($millions) | 4.3380% | 3,212 |
| Cash dividends to net income (ytd only)* | 62.1495% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7190% | 2,836 |
| Loan loss allowance to noncurrent loans | 89.3536% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 0.7578% | 5,592 |
| Noncurrent loans to loans | 1.9238% | 3,766 |
| Net loans and leases to total assets | 38.7160% | 7,420 |
| Net loans and leases to deposits | 43.6673% | 7,526 |
| Net loans and leases to core deposits | 50.7287% | 7,569 |
| Total domestic deposits to total assets | 88.6612% | 1,651 |
| Equity capital to assets | 10.3101% | 3,392 |
| Core capital (leverage) ratio | 8.5116% | 5,265 |
| Tier 1 risk-based capital ratio | 15.7491% | 2,621 |
| Total risk-based capital ratio | 16.9984% | 2,558 |
| Memoranda: | ||
| Average total assets | $32,713,800 | 7,373 |
| Average earning assets | $25,331,200 | 7,532 |
| Average equity | $3,477,800 | 7,448 |
| Average total loans | $12,715,400 | 7,567 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2907% | 5,479 |
| Cost of funding earning assets | 1.7145% | 4,826 |
| Net interest margin | 3.5762% | 4,566 |
| Noninterest income to average assets | 0.3352% | 5,805 |
| Noninterest expense to average assets | 2.5908% | 5,746 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.5587% | 3,758 |
| Return on assets (ROA) | 0.8194% | 2,792 |
| Pretax return on assets | 0.8194% | 3,477 |
| Return on Equity (ROE) | 7.6458% | 2,798 |
| Retained earnings to average equity (ytd only) | 3.5525% | 3,302 |
| Net charge-offs to loans | 0.0427% | 6,307 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 33.7711% | 854 |
| Efficiency ratio | 78.1866% | 3,138 |
| Assets per employee ($millions) | 4.2214% | 3,342 |
| Cash dividends to net income (ytd only)* | 53.5361% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8711% | 2,098 |
| Loan loss allowance to noncurrent loans | 97.1660% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 0.7314% | 5,668 |
| Noncurrent loans to loans | 1.9256% | 3,736 |
| Net loans and leases to total assets | 37.2716% | 7,578 |
| Net loans and leases to deposits | 42.2425% | 7,666 |
| Net loans and leases to core deposits | 47.9486% | 7,730 |
| Total domestic deposits to total assets | 88.2325% | 1,542 |
| Equity capital to assets | 10.5653% | 3,436 |
| Core capital (leverage) ratio | 9.1634% | 4,393 |
| Tier 1 risk-based capital ratio | 16.4617% | 2,447 |
| Total risk-based capital ratio | 17.7141% | 2,390 |
| Memoranda: | ||
| Average total assets | $32,216,250 | 7,458 |
| Average earning assets | $25,352,000 | 7,597 |
| Average equity | $3,452,750 | 7,522 |
| Average total loans | $12,476,500 | 7,651 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2082% | 6,049 |
| Cost of funding earning assets | 1.7283% | 5,133 |
| Net interest margin | 3.4799% | 4,895 |
| Noninterest income to average assets | 0.3723% | 5,530 |
| Noninterest expense to average assets | 2.6626% | 5,507 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.5300% | 3,983 |
| Return on assets (ROA) | 0.9275% | 2,445 |
| Pretax return on assets | 0.9275% | 3,249 |
| Return on Equity (ROE) | 8.6108% | 2,511 |
| Retained earnings to average equity (ytd only) | 5.4476% | 2,271 |
| Net charge-offs to loans | 0.0647% | 5,594 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,283 |
| Efficiency ratio | 79.4466% | 3,133 |
| Assets per employee ($millions) | 3.8925% | 3,890 |
| Cash dividends to net income (ytd only)* | 36.7347% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0114% | 1,545 |
| Loan loss allowance to noncurrent loans | 103.4483% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 0.7450% | 5,542 |
| Noncurrent loans to loans | 1.9444% | 3,606 |
| Net loans and leases to total assets | 37.5466% | 7,655 |
| Net loans and leases to deposits | 42.7934% | 7,735 |
| Net loans and leases to core deposits | 48.3720% | 7,792 |
| Total domestic deposits to total assets | 87.7392% | 1,909 |
| Equity capital to assets | 10.9570% | 2,958 |
| Core capital (leverage) ratio | 9.4253% | 3,994 |
| Tier 1 risk-based capital ratio | 17.5615% | 2,126 |
| Total risk-based capital ratio | 18.8164% | 2,086 |
| Memoranda: | ||
| Average total assets | $31,698,000 | 7,542 |
| Average earning assets | $25,690,330 | 7,651 |
| Average equity | $3,414,330 | 7,600 |
| Average total loans | $12,359,670 | 7,734 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0341% | 6,848 |
| Cost of funding earning assets | 1.7679% | 5,275 |
| Net interest margin | 3.2662% | 5,633 |
| Noninterest income to average assets | 0.3252% | 5,852 |
| Noninterest expense to average assets | 2.5268% | 5,736 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5254% | 4,314 |
| Return on assets (ROA) | 1.2134% | 1,727 |
| Pretax return on assets | 1.2134% | 2,578 |
| Return on Equity (ROE) | 11.3600% | 1,857 |
| Retained earnings to average equity (ytd only) | 7.2610% | 2,109 |
| Net charge-offs to loans | 0.1273% | 3,947 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 10.5000% | 1,947 |
| Efficiency ratio | 78.6885% | 3,050 |
| Assets per employee ($millions) | 3.9745% | 3,713 |
| Cash dividends to net income (ytd only)* | 36.0825% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9853% | 1,450 |
| Loan loss allowance to noncurrent loans | 99.5851% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 0.7580% | 5,263 |
| Noncurrent loans to loans | 1.9935% | 3,267 |
| Net loans and leases to total assets | 37.2657% | 7,686 |
| Net loans and leases to deposits | 42.3890% | 7,772 |
| Net loans and leases to core deposits | 48.1275% | 7,832 |
| Total domestic deposits to total assets | 87.9136% | 1,781 |
| Equity capital to assets | 10.9353% | 3,026 |
| Core capital (leverage) ratio | 9.0204% | 4,673 |
| Tier 1 risk-based capital ratio | 17.1286% | 2,300 |
| Total risk-based capital ratio | 18.3801% | 2,240 |
| Memoranda: | ||
| Average total assets | $31,977,000 | 7,567 |
| Average earning assets | $26,698,000 | 7,652 |
| Average equity | $3,415,500 | 7,650 |
| Average total loans | $12,573,500 | 7,769 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7476% | 6,611 |
| Cost of funding earning assets | 2.3422% | 4,956 |
| Net interest margin | 3.4054% | 5,641 |
| Noninterest income to average assets | 0.3188% | 6,176 |
| Noninterest expense to average assets | 2.6559% | 5,422 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5687% | 4,444 |
| Return on assets (ROA) | 0.6903% | 3,769 |
| Pretax return on assets | 0.6903% | 4,430 |
| Return on Equity (ROE) | 6.6540% | 3,688 |
| Retained earnings to average equity (ytd only) | 0.8238% | 4,732 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1855% | 2,892 |
| Assets per employee ($millions) | 4.0198% | 3,471 |
| Cash dividends to net income (ytd only)* | 87.6190% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8686% | 1,490 |
| Loan loss allowance to noncurrent loans | 146.9880% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 0.5162% | 5,633 |
| Noncurrent loans to loans | 1.2713% | 3,968 |
| Net loans and leases to total assets | 39.8470% | 7,676 |
| Net loans and leases to deposits | 45.2552% | 7,812 |
| Net loans and leases to core deposits | 51.5198% | 7,854 |
| Total domestic deposits to total assets | 88.0496% | 1,454 |
| Equity capital to assets | 10.4298% | 3,582 |
| Core capital (leverage) ratio | 9.0089% | 4,726 |
| Tier 1 risk-based capital ratio | 15.6737% | 2,792 |
| Total risk-based capital ratio | 16.9245% | 2,716 |
| Memoranda: | ||
| Average total assets | $30,422,400 | 7,627 |
| Average earning assets | $25,958,800 | 7,694 |
| Average equity | $3,156,000 | 7,787 |
| Average total loans | $12,917,400 | 7,776 |