Home > Gates Banking and Trust Company > Performance and Condition Ratios
Gates Banking and Trust Company, Performance and Condition Ratios
| 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 | 3.2628% | 4,474 |
| Cost of funding earning assets | 1.1979% | 2,002 |
| Net interest margin | 2.0649% | 4,473 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 1.8866% | 3,845 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.1803% | 4,304 |
| Return on assets (ROA) | 0.2264% | 4,272 |
| Pretax return on assets | 0.1593% | 4,357 |
| Return on Equity (ROE) | 2.5100% | 4,216 |
| Retained earnings to average equity (ytd only) | 2.5142% | 3,598 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 94.3396% | 256 |
| Assets per employee ($millions) | 5.8854% | 2,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2899% | 268 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 31.6900% | 4,292 |
| Net loans and leases to deposits | 35.9143% | 4,298 |
| Net loans and leases to core deposits | 39.8675% | 4,262 |
| Total domestic deposits to total assets | 88.2500% | 1,514 |
| Equity capital to assets | 10.5563% | 1,571 |
| Core capital (leverage) ratio | 11.6829% | 1,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2987% | 538 |
| Memoranda: | ||
| Average total assets | $47,704,333 | 4,369 |
| Average earning assets | $42,908,000 | 4,362 |
| Average equity | $4,295,667 | 4,363 |
| Average total loans | $14,071,667 | 4,407 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0383% | 4,554 |
| Cost of funding earning assets | 0.9924% | 2,074 |
| Net interest margin | 2.0458% | 4,550 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 1.7819% | 4,062 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.1673% | 4,387 |
| Return on assets (ROA) | 0.3140% | 4,193 |
| Pretax return on assets | 0.3532% | 4,200 |
| Return on Equity (ROE) | 3.7500% | 4,080 |
| Retained earnings to average equity (ytd only) | 3.7480% | 3,337 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 90.4382% | 347 |
| Assets per employee ($millions) | 6.9546% | 2,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0989% | 379 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 29.3200% | 4,378 |
| Net loans and leases to deposits | 32.6203% | 4,399 |
| Net loans and leases to core deposits | 40.6673% | 4,255 |
| Total domestic deposits to total assets | 89.8800% | 1,200 |
| Equity capital to assets | 8.9910% | 2,527 |
| Core capital (leverage) ratio | 10.9194% | 1,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2113% | 721 |
| Memoranda: | ||
| Average total assets | $50,957,500 | 4,409 |
| Average earning assets | $45,947,500 | 4,390 |
| Average equity | $4,269,000 | 4,426 |
| Average total loans | $14,426,000 | 4,462 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8865% | 4,250 |
| Cost of funding earning assets | 0.6350% | 768 |
| Net interest margin | 2.2515% | 4,454 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 1.6817% | 4,210 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5211% | 4,053 |
| Return on assets (ROA) | 0.5047% | 4,040 |
| Pretax return on assets | 0.4719% | 4,206 |
| Return on Equity (ROE) | 5.9100% | 3,842 |
| Retained earnings to average equity (ytd only) | 3.7764% | 3,471 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 77.4979% | 888 |
| Assets per employee ($millions) | 6.6541% | 2,214 |
| Cash dividends to net income (ytd only)* | 36.1011% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1439% | 333 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 26.2400% | 4,473 |
| Net loans and leases to deposits | 28.7363% | 4,496 |
| Net loans and leases to core deposits | 35.2293% | 4,393 |
| Total domestic deposits to total assets | 91.3000% | 839 |
| Equity capital to assets | 7.8166% | 3,175 |
| Core capital (leverage) ratio | 9.2591% | 3,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4322% | 678 |
| Memoranda: | ||
| Average total assets | $54,883,400 | 4,388 |
| Average earning assets | $49,922,400 | 4,376 |
| Average equity | $4,687,000 | 4,461 |
| Average total loans | $15,221,200 | 4,478 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7096% | 4,288 |
| Cost of funding earning assets | 0.3984% | 1,299 |
| Net interest margin | 2.3112% | 4,396 |
| Noninterest income to average assets | 0.1400% | 4,301 |
| Noninterest expense to average assets | 1.6637% | 4,214 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6390% | 3,727 |
| Return on assets (ROA) | 0.6390% | 3,680 |
| Pretax return on assets | 0.5907% | 4,005 |
| Return on Equity (ROE) | 7.3300% | 3,513 |
| Retained earnings to average equity (ytd only) | 7.3327% | 2,255 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.7968% | 1,299 |
| Assets per employee ($millions) | 7.0135% | 1,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7756% | 762 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 30.1700% | 4,422 |
| Net loans and leases to deposits | 32.6329% | 4,450 |
| Net loans and leases to core deposits | 49.1108% | 3,993 |
| Total domestic deposits to total assets | 92.4500% | 731 |
| Equity capital to assets | 6.8671% | 3,583 |
| Core capital (leverage) ratio | 9.8762% | 2,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8990% | 1,011 |
| Memoranda: | ||
| Average total assets | $55,296,000 | 4,420 |
| Average earning assets | $50,535,750 | 4,399 |
| Average equity | $4,818,500 | 4,492 |
| Average total loans | $15,458,250 | 4,509 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6300% | 4,243 |
| Cost of funding earning assets | 0.2949% | 1,765 |
| Net interest margin | 2.3351% | 4,298 |
| Noninterest income to average assets | 0.1308% | 4,350 |
| Noninterest expense to average assets | 1.6865% | 4,160 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6252% | 3,558 |
| Return on assets (ROA) | 0.6252% | 3,505 |
| Pretax return on assets | 0.5743% | 3,866 |
| Return on Equity (ROE) | 6.6922% | 3,396 |
| Retained earnings to average equity (ytd only) | 6.6922% | 2,095 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5981% | 1,442 |
| Assets per employee ($millions) | 7.4853% | 1,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7624% | 857 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 28.4844% | 4,506 |
| Net loans and leases to deposits | 30.8133% | 4,532 |
| Net loans and leases to core deposits | 46.4756% | 4,102 |
| Total domestic deposits to total assets | 92.4418% | 674 |
| Equity capital to assets | 7.0121% | 3,762 |
| Core capital (leverage) ratio | 9.7668% | 2,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2139% | 1,145 |
| Memoranda: | ||
| Average total assets | $55,025,333 | 4,465 |
| Average earning assets | $50,191,000 | 4,456 |
| Average equity | $5,140,333 | 4,510 |
| Average total loans | $14,866,333 | 4,580 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6276% | 4,073 |
| Cost of funding earning assets | 0.2015% | 2,777 |
| Net interest margin | 2.4261% | 4,023 |
| Noninterest income to average assets | 0.1369% | 4,332 |
| Noninterest expense to average assets | 1.7644% | 4,024 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6540% | 3,218 |
| Return on assets (ROA) | 0.6540% | 3,199 |
| Pretax return on assets | 0.5704% | 3,705 |
| Return on Equity (ROE) | 6.1308% | 3,314 |
| Retained earnings to average equity (ytd only) | 6.1308% | 2,208 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5700% | 1,578 |
| Assets per employee ($millions) | 6.5740% | 2,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9788% | 640 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 28.8219% | 4,482 |
| Net loans and leases to deposits | 32.0418% | 4,493 |
| Net loans and leases to core deposits | 41.3565% | 4,263 |
| Total domestic deposits to total assets | 89.9509% | 1,590 |
| Equity capital to assets | 9.5091% | 2,274 |
| Core capital (leverage) ratio | 10.6022% | 1,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0603% | 896 |
| Memoranda: | ||
| Average total assets | $52,597,000 | 4,514 |
| Average earning assets | $47,648,000 | 4,506 |
| Average equity | $5,611,000 | 4,509 |
| Average total loans | $13,618,000 | 4,627 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5845% | 4,421 |
| Cost of funding earning assets | 0.2282% | 3,156 |
| Net interest margin | 2.3563% | 4,362 |
| Noninterest income to average assets | 0.0778% | 4,663 |
| Noninterest expense to average assets | 1.6626% | 4,349 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6098% | 3,849 |
| Return on assets (ROA) | 0.7674% | 3,496 |
| Pretax return on assets | 0.7544% | 3,829 |
| Return on Equity (ROE) | 6.6200% | 3,617 |
| Retained earnings to average equity (ytd only) | 2.6224% | 3,792 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5849% | 1,357 |
| Assets per employee ($millions) | 6.5753% | 2,267 |
| Cash dividends to net income (ytd only)* | 60.3865% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5994% | 244 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 21.7977% | 4,699 |
| Net loans and leases to deposits | 24.9946% | 4,703 |
| Net loans and leases to core deposits | 32.0988% | 4,603 |
| Total domestic deposits to total assets | 87.2096% | 2,430 |
| Equity capital to assets | 11.8265% | 1,333 |
| Core capital (leverage) ratio | 9.8228% | 2,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9150% | 1,062 |
| Memoranda: | ||
| Average total assets | $53,951,800 | 4,520 |
| Average earning assets | $49,951,200 | 4,509 |
| Average equity | $6,253,800 | 4,506 |
| Average total loans | $13,502,000 | 4,674 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6078% | 4,494 |
| Cost of funding earning assets | 0.2388% | 3,226 |
| Net interest margin | 2.3690% | 4,428 |
| Noninterest income to average assets | 0.0909% | 4,702 |
| Noninterest expense to average assets | 1.6381% | 4,417 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6508% | 3,897 |
| Return on assets (ROA) | 0.7933% | 3,607 |
| Pretax return on assets | 0.7883% | 3,911 |
| Return on Equity (ROE) | 6.8773% | 3,697 |
| Retained earnings to average equity (ytd only) | 6.8773% | 2,463 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7204% | 1,430 |
| Assets per employee ($millions) | 6.6324% | 2,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2892% | 400 |
| Loan loss allowance to noncurrent loans | 2,353.8462% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.0245% | 4,010 |
| Noncurrent loans to loans | 0.0973% | 3,597 |
| Net loans and leases to total assets | 24.6160% | 4,734 |
| Net loans and leases to deposits | 28.1955% | 4,736 |
| Net loans and leases to core deposits | 40.6012% | 4,494 |
| Total domestic deposits to total assets | 87.3047% | 2,211 |
| Equity capital to assets | 11.8246% | 1,480 |
| Core capital (leverage) ratio | 10.5622% | 2,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5585% | 638 |
| Memoranda: | ||
| Average total assets | $54,289,250 | 4,578 |
| Average earning assets | $50,258,750 | 4,567 |
| Average equity | $6,262,000 | 4,570 |
| Average total loans | $13,934,500 | 4,741 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6116% | 4,538 |
| Cost of funding earning assets | 0.2442% | 3,330 |
| Net interest margin | 2.3674% | 4,455 |
| Noninterest income to average assets | 0.0768% | 4,768 |
| Noninterest expense to average assets | 1.6454% | 4,454 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6237% | 3,932 |
| Return on assets (ROA) | 0.8336% | 3,483 |
| Pretax return on assets | 0.8410% | 3,790 |
| Return on Equity (ROE) | 7.2867% | 3,579 |
| Retained earnings to average equity (ytd only) | 7.2867% | 2,325 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3473% | 1,397 |
| Assets per employee ($millions) | 6.7943% | 1,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1730% | 449 |
| Loan loss allowance to noncurrent loans | 2,185.7143% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.0258% | 4,092 |
| Noncurrent loans to loans | 0.0994% | 3,690 |
| Net loans and leases to total assets | 25.3450% | 4,764 |
| Net loans and leases to deposits | 29.0186% | 4,774 |
| Net loans and leases to core deposits | 41.3445% | 4,543 |
| Total domestic deposits to total assets | 87.3404% | 2,151 |
| Equity capital to assets | 11.7158% | 1,509 |
| Core capital (leverage) ratio | 10.2152% | 2,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4772% | 759 |
| Memoranda: | ||
| Average total assets | $54,699,333 | 4,601 |
| Average earning assets | $50,772,667 | 4,590 |
| Average equity | $6,258,000 | 4,598 |
| Average total loans | $14,123,667 | 4,771 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6668% | 4,511 |
| Cost of funding earning assets | 0.2675% | 3,302 |
| Net interest margin | 2.3994% | 4,411 |
| Noninterest income to average assets | 0.0729% | 4,790 |
| Noninterest expense to average assets | 1.6475% | 4,469 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6852% | 3,745 |
| Return on assets (ROA) | 0.6852% | 3,811 |
| Pretax return on assets | 0.6488% | 4,110 |
| Return on Equity (ROE) | 6.0616% | 3,840 |
| Retained earnings to average equity (ytd only) | 6.0616% | 2,869 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7460% | 1,523 |
| Assets per employee ($millions) | 6.0427% | 2,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1385% | 466 |
| Loan loss allowance to noncurrent loans | 1,700.0000% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.0331% | 4,128 |
| Noncurrent loans to loans | 0.1258% | 3,680 |
| Net loans and leases to total assets | 25.7484% | 4,789 |
| Net loans and leases to deposits | 29.2589% | 4,803 |
| Net loans and leases to core deposits | 41.5445% | 4,576 |
| Total domestic deposits to total assets | 88.0020% | 1,841 |
| Equity capital to assets | 11.1614% | 1,749 |
| Core capital (leverage) ratio | 10.0598% | 2,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6927% | 825 |
| Memoranda: | ||
| Average total assets | $54,872,000 | 4,618 |
| Average earning assets | $50,847,000 | 4,603 |
| Average equity | $6,203,000 | 4,624 |
| Average total loans | $14,144,500 | 4,795 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0979% | 4,565 |
| Cost of funding earning assets | 0.5994% | 2,316 |
| Net interest margin | 2.4985% | 4,594 |
| Noninterest income to average assets | 0.1191% | 4,673 |
| Noninterest expense to average assets | 1.7130% | 4,604 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.7188% | 3,368 |
| Return on assets (ROA) | 0.7188% | 3,500 |
| Pretax return on assets | 0.7266% | 3,821 |
| Return on Equity (ROE) | 6.1111% | 3,544 |
| Retained earnings to average equity (ytd only) | 1.9595% | 3,843 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2162% | 1,922 |
| Assets per employee ($millions) | 6.1511% | 2,209 |
| Cash dividends to net income (ytd only)* | 67.9348% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1888% | 420 |
| Loan loss allowance to noncurrent loans | 1,390.9091% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.0397% | 4,154 |
| Noncurrent loans to loans | 0.1574% | 3,654 |
| Net loans and leases to total assets | 24.7001% | 4,843 |
| Net loans and leases to deposits | 28.8201% | 4,849 |
| Net loans and leases to core deposits | 40.7619% | 4,681 |
| Total domestic deposits to total assets | 85.7045% | 2,484 |
| Equity capital to assets | 11.4451% | 1,925 |
| Core capital (leverage) ratio | 10.2167% | 2,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,197,000 | 4,634 |
| Average earning assets | $47,547,800 | 4,623 |
| Average equity | $6,021,800 | 4,643 |
| Average total loans | $15,513,400 | 4,798 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1884% | 4,603 |
| Cost of funding earning assets | 0.7098% | 1,967 |
| Net interest margin | 2.4786% | 4,673 |
| Noninterest income to average assets | 0.1116% | 4,719 |
| Noninterest expense to average assets | 1.6827% | 4,648 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7257% | 3,369 |
| Return on assets (ROA) | 0.7257% | 3,468 |
| Pretax return on assets | 0.7310% | 3,823 |
| Return on Equity (ROE) | 6.1244% | 3,515 |
| Retained earnings to average equity (ytd only) | 6.1244% | 2,055 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7137% | 1,920 |
| Assets per employee ($millions) | 6.3538% | 1,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9736% | 518 |
| Loan loss allowance to noncurrent loans | 874.2857% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.0689% | 4,094 |
| Noncurrent loans to loans | 0.2257% | 3,494 |
| Net loans and leases to total assets | 29.9016% | 4,826 |
| Net loans and leases to deposits | 35.3761% | 4,836 |
| Net loans and leases to core deposits | 52.2949% | 4,517 |
| Total domestic deposits to total assets | 84.5249% | 2,618 |
| Equity capital to assets | 12.4198% | 1,459 |
| Core capital (leverage) ratio | 10.7041% | 2,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3450% | 751 |
| Memoranda: | ||
| Average total assets | $50,156,250 | 4,670 |
| Average earning assets | $46,584,250 | 4,657 |
| Average equity | $5,943,250 | 4,672 |
| Average total loans | $15,896,750 | 4,819 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2448% | 4,687 |
| Cost of funding earning assets | 0.7972% | 1,840 |
| Net interest margin | 2.4476% | 4,766 |
| Noninterest income to average assets | 0.1081% | 4,748 |
| Noninterest expense to average assets | 1.6743% | 4,706 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7050% | 3,380 |
| Return on assets (ROA) | 0.7050% | 3,484 |
| Pretax return on assets | 0.7090% | 3,853 |
| Return on Equity (ROE) | 6.0481% | 3,491 |
| Retained earnings to average equity (ytd only) | 6.0481% | 2,059 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2521% | 1,924 |
| Assets per employee ($millions) | 6.4579% | 1,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9733% | 458 |
| Loan loss allowance to noncurrent loans | 711.6279% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.0832% | 4,107 |
| Noncurrent loans to loans | 0.2773% | 3,389 |
| Net loans and leases to total assets | 29.4234% | 4,870 |
| Net loans and leases to deposits | 34.5650% | 4,878 |
| Net loans and leases to core deposits | 52.2766% | 4,552 |
| Total domestic deposits to total assets | 85.1248% | 2,340 |
| Equity capital to assets | 11.8983% | 1,729 |
| Core capital (leverage) ratio | 10.4404% | 2,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0805% | 767 |
| Memoranda: | ||
| Average total assets | $49,931,667 | 4,690 |
| Average earning assets | $46,412,667 | 4,683 |
| Average equity | $5,820,000 | 4,706 |
| Average total loans | $16,027,333 | 4,845 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4592% | 4,675 |
| Cost of funding earning assets | 0.9242% | 1,756 |
| Net interest margin | 2.5350% | 4,803 |
| Noninterest income to average assets | 0.1223% | 4,746 |
| Noninterest expense to average assets | 1.7283% | 4,743 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7256% | 3,183 |
| Return on assets (ROA) | 0.7256% | 3,271 |
| Pretax return on assets | 0.7419% | 3,561 |
| Return on Equity (ROE) | 6.2936% | 3,208 |
| Retained earnings to average equity (ytd only) | 6.2936% | 1,775 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9670% | 2,357 |
| Assets per employee ($millions) | 6.3564% | 1,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8873% | 623 |
| Loan loss allowance to noncurrent loans | 1,275.0000% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.0472% | 4,373 |
| Noncurrent loans to loans | 0.1480% | 3,927 |
| Net loans and leases to total assets | 31.2836% | 4,882 |
| Net loans and leases to deposits | 36.4378% | 4,901 |
| Net loans and leases to core deposits | 55.3168% | 4,520 |
| Total domestic deposits to total assets | 85.8548% | 2,054 |
| Equity capital to assets | 11.2584% | 2,631 |
| Core capital (leverage) ratio | 10.9822% | 2,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,066,000 | 4,726 |
| Average earning assets | $45,444,500 | 4,713 |
| Average equity | $5,656,500 | 4,767 |
| Average total loans | $16,287,500 | 4,875 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9691% | 4,327 |
| Cost of funding earning assets | 1.2424% | 920 |
| Net interest margin | 2.7267% | 4,819 |
| Noninterest income to average assets | 0.1248% | 4,839 |
| Noninterest expense to average assets | 1.8338% | 4,733 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7696% | 3,646 |
| Return on assets (ROA) | 0.7696% | 3,724 |
| Pretax return on assets | 0.8064% | 3,959 |
| Return on Equity (ROE) | 6.9855% | 3,551 |
| Retained earnings to average equity (ytd only) | 3.2698% | 3,376 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4574% | 2,254 |
| Assets per employee ($millions) | 5.9101% | 1,702 |
| Cash dividends to net income (ytd only)* | 53.1915% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8703% | 587 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 33.9566% | 4,899 |
| Net loans and leases to deposits | 38.8863% | 4,924 |
| Net loans and leases to core deposits | 55.5825% | 4,602 |
| Total domestic deposits to total assets | 87.3226% | 1,443 |
| Equity capital to assets | 11.8187% | 2,264 |
| Core capital (leverage) ratio | 10.2011% | 3,296 |
| Tier 1 risk-based capital ratio | 18.9443% | 1,527 |
| Total risk-based capital ratio | 20.0794% | 1,527 |
| Memoranda: | ||
| Average total assets | $48,859,400 | 4,770 |
| Average earning assets | $45,073,200 | 4,765 |
| Average equity | $5,382,600 | 4,840 |
| Average total loans | $17,644,000 | 4,913 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9683% | 4,422 |
| Cost of funding earning assets | 1.2465% | 921 |
| Net interest margin | 2.7218% | 4,922 |
| Noninterest income to average assets | 0.1299% | 4,878 |
| Noninterest expense to average assets | 1.8516% | 4,759 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7607% | 3,810 |
| Return on assets (ROA) | 0.7607% | 3,877 |
| Pretax return on assets | 0.7905% | 4,138 |
| Return on Equity (ROE) | 7.0276% | 3,667 |
| Retained earnings to average equity (ytd only) | 7.0276% | 1,849 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0820% | 2,100 |
| Assets per employee ($millions) | 6.1299% | 1,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6758% | 858 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 36.6117% | 4,917 |
| Net loans and leases to deposits | 41.9085% | 4,958 |
| Net loans and leases to core deposits | 66.2999% | 4,256 |
| Total domestic deposits to total assets | 87.3611% | 1,339 |
| Equity capital to assets | 11.6581% | 2,553 |
| Core capital (leverage) ratio | 10.7340% | 2,906 |
| Tier 1 risk-based capital ratio | 18.6730% | 1,646 |
| Total risk-based capital ratio | 19.7693% | 1,652 |
| Memoranda: | ||
| Average total assets | $49,254,000 | 4,830 |
| Average earning assets | $45,458,750 | 4,823 |
| Average equity | $5,331,250 | 4,910 |
| Average total loans | $17,964,750 | 4,979 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9668% | 4,442 |
| Cost of funding earning assets | 1.2327% | 906 |
| Net interest margin | 2.7341% | 4,974 |
| Noninterest income to average assets | 0.1338% | 4,903 |
| Noninterest expense to average assets | 1.8814% | 4,773 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7501% | 3,828 |
| Return on assets (ROA) | 0.7501% | 3,893 |
| Pretax return on assets | 0.7704% | 4,164 |
| Return on Equity (ROE) | 7.1117% | 3,634 |
| Retained earnings to average equity (ytd only) | 7.1117% | 1,755 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9480% | 2,078 |
| Assets per employee ($millions) | 4.9873% | 2,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6644% | 884 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 36.2501% | 4,967 |
| Net loans and leases to deposits | 41.1270% | 5,026 |
| Net loans and leases to core deposits | 64.1145% | 4,408 |
| Total domestic deposits to total assets | 88.1419% | 1,035 |
| Equity capital to assets | 11.0741% | 2,969 |
| Core capital (leverage) ratio | 10.4117% | 3,182 |
| Tier 1 risk-based capital ratio | 18.4867% | 1,674 |
| Total risk-based capital ratio | 19.5924% | 1,671 |
| Memoranda: | ||
| Average total assets | $49,325,670 | 4,857 |
| Average earning assets | $45,427,000 | 4,863 |
| Average equity | $5,202,670 | 4,959 |
| Average total loans | $17,866,330 | 5,028 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9749% | 4,419 |
| Cost of funding earning assets | 1.1916% | 925 |
| Net interest margin | 2.7833% | 4,999 |
| Noninterest income to average assets | 0.1223% | 4,997 |
| Noninterest expense to average assets | 1.9000% | 4,799 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7584% | 3,752 |
| Return on assets (ROA) | 0.7584% | 3,799 |
| Pretax return on assets | 0.7747% | 4,109 |
| Return on Equity (ROE) | 7.3773% | 3,513 |
| Retained earnings to average equity (ytd only) | 7.3773% | 1,890 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0366% | 2,183 |
| Assets per employee ($millions) | 4.9876% | 2,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6439% | 977 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 36.7070% | 4,995 |
| Net loans and leases to deposits | 41.2510% | 5,058 |
| Net loans and leases to core deposits | 63.9670% | 4,380 |
| Total domestic deposits to total assets | 88.9847% | 864 |
| Equity capital to assets | 10.3858% | 3,436 |
| Core capital (leverage) ratio | 10.1812% | 3,410 |
| Tier 1 risk-based capital ratio | 18.0424% | 1,785 |
| Total risk-based capital ratio | 19.1415% | 1,783 |
| Memoranda: | ||
| Average total assets | $49,052,000 | 4,919 |
| Average earning assets | $44,982,000 | 4,921 |
| Average equity | $5,042,500 | 5,020 |
| Average total loans | $17,607,000 | 5,092 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7431% | 4,602 |
| Cost of funding earning assets | 0.8722% | 1,204 |
| Net interest margin | 2.8709% | 4,949 |
| Noninterest income to average assets | 0.1377% | 5,020 |
| Noninterest expense to average assets | 1.9316% | 4,847 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8174% | 3,736 |
| Return on assets (ROA) | 0.8174% | 3,740 |
| Pretax return on assets | 0.8540% | 4,028 |
| Return on Equity (ROE) | 7.7561% | 3,547 |
| Retained earnings to average equity (ytd only) | 3.6739% | 3,562 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3436% | 2,319 |
| Assets per employee ($millions) | 4.8228% | 2,710 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8434% | 632 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 33.7854% | 5,125 |
| Net loans and leases to deposits | 37.7429% | 5,160 |
| Net loans and leases to core deposits | 57.0019% | 4,743 |
| Total domestic deposits to total assets | 89.5144% | 654 |
| Equity capital to assets | 10.1704% | 3,504 |
| Core capital (leverage) ratio | 10.3612% | 3,187 |
| Tier 1 risk-based capital ratio | 18.4405% | 1,629 |
| Total risk-based capital ratio | 19.5849% | 1,610 |
| Memoranda: | ||
| Average total assets | $46,489,200 | 5,004 |
| Average earning assets | $42,878,800 | 4,996 |
| Average equity | $4,899,400 | 5,063 |
| Average total loans | $15,654,600 | 5,177 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7019% | 4,646 |
| Cost of funding earning assets | 0.7973% | 1,354 |
| Net interest margin | 2.9047% | 4,969 |
| Noninterest income to average assets | 0.1419% | 5,065 |
| Noninterest expense to average assets | 1.9599% | 4,811 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8367% | 3,791 |
| Return on assets (ROA) | 0.8367% | 3,797 |
| Pretax return on assets | 0.8714% | 4,117 |
| Return on Equity (ROE) | 7.8669% | 3,600 |
| Retained earnings to average equity (ytd only) | 7.8669% | 1,719 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2229% | 2,320 |
| Assets per employee ($millions) | 4.6593% | 2,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8002% | 726 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 35.8251% | 5,148 |
| Net loans and leases to deposits | 40.1946% | 5,200 |
| Net loans and leases to core deposits | 62.5473% | 4,591 |
| Total domestic deposits to total assets | 89.1293% | 801 |
| Equity capital to assets | 10.4844% | 3,162 |
| Core capital (leverage) ratio | 10.8166% | 2,774 |
| Tier 1 risk-based capital ratio | 19.7655% | 1,384 |
| Total risk-based capital ratio | 20.9655% | 1,363 |
| Memoranda: | ||
| Average total assets | $46,054,500 | 5,069 |
| Average earning assets | $42,643,250 | 5,057 |
| Average equity | $4,898,000 | 5,124 |
| Average total loans | $15,418,250 | 5,246 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6318% | 4,711 |
| Cost of funding earning assets | 0.6962% | 1,641 |
| Net interest margin | 2.9355% | 4,968 |
| Noninterest income to average assets | 0.1395% | 5,119 |
| Noninterest expense to average assets | 1.9793% | 4,836 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8458% | 3,695 |
| Return on assets (ROA) | 0.8458% | 3,695 |
| Pretax return on assets | 0.8807% | 4,023 |
| Return on Equity (ROE) | 7.9146% | 3,536 |
| Retained earnings to average equity (ytd only) | 7.9146% | 1,664 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2073% | 2,449 |
| Assets per employee ($millions) | 4.5804% | 2,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9667% | 545 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 33.3006% | 5,260 |
| Net loans and leases to deposits | 37.4242% | 5,292 |
| Net loans and leases to core deposits | 60.3768% | 4,685 |
| Total domestic deposits to total assets | 88.9813% | 942 |
| Equity capital to assets | 10.7174% | 2,913 |
| Core capital (leverage) ratio | 10.7195% | 2,786 |
| Tier 1 risk-based capital ratio | 20.4449% | 1,252 |
| Total risk-based capital ratio | 21.6935% | 1,232 |
| Memoranda: | ||
| Average total assets | $45,875,000 | 5,131 |
| Average earning assets | $42,513,670 | 5,117 |
| Average equity | $4,902,330 | 5,177 |
| Average total loans | $14,891,670 | 5,323 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5441% | 4,801 |
| Cost of funding earning assets | 0.6111% | 1,976 |
| Net interest margin | 2.9331% | 4,982 |
| Noninterest income to average assets | 0.1307% | 5,209 |
| Noninterest expense to average assets | 1.9778% | 4,888 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8364% | 3,570 |
| Return on assets (ROA) | 0.8364% | 3,584 |
| Pretax return on assets | 0.8713% | 3,942 |
| Return on Equity (ROE) | 7.8383% | 3,449 |
| Retained earnings to average equity (ytd only) | 4.6540% | 3,332 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4190% | 2,594 |
| Assets per employee ($millions) | 4.6374% | 2,949 |
| Cash dividends to net income (ytd only)* | 40.6250% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9723% | 573 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 32.7964% | 5,298 |
| Net loans and leases to deposits | 36.7216% | 5,347 |
| Net loans and leases to core deposits | 55.2693% | 4,860 |
| Total domestic deposits to total assets | 89.3108% | 957 |
| Equity capital to assets | 10.4347% | 3,137 |
| Core capital (leverage) ratio | 10.7874% | 2,640 |
| Tier 1 risk-based capital ratio | 19.7514% | 1,385 |
| Total risk-based capital ratio | 20.9984% | 1,359 |
| Memoranda: | ||
| Average total assets | $45,910,500 | 5,191 |
| Average earning assets | $42,549,000 | 5,174 |
| Average equity | $4,899,000 | 5,234 |
| Average total loans | $14,558,000 | 5,387 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5050% | 4,781 |
| Cost of funding earning assets | 0.5147% | 2,213 |
| Net interest margin | 2.9904% | 4,905 |
| Noninterest income to average assets | 0.1974% | 4,964 |
| Noninterest expense to average assets | 1.9535% | 5,038 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9352% | 2,520 |
| Return on assets (ROA) | 0.9689% | 2,409 |
| Pretax return on assets | 1.0295% | 3,459 |
| Return on Equity (ROE) | 8.5490% | 2,520 |
| Retained earnings to average equity (ytd only) | 2.6122% | 3,755 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2861% | 3,208 |
| Assets per employee ($millions) | 4.5447% | 3,122 |
| Cash dividends to net income (ytd only)* | 69.4444% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2498% | 338 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 29.2539% | 5,444 |
| Net loans and leases to deposits | 32.9704% | 5,477 |
| Net loans and leases to core deposits | 45.9637% | 5,236 |
| Total domestic deposits to total assets | 88.7275% | 1,129 |
| Equity capital to assets | 10.9116% | 2,721 |
| Core capital (leverage) ratio | 10.6081% | 2,735 |
| Tier 1 risk-based capital ratio | 20.6439% | 1,205 |
| Total risk-based capital ratio | 21.8937% | 1,180 |
| Memoranda: | ||
| Average total assets | $44,585,800 | 5,260 |
| Average earning assets | $40,998,400 | 5,251 |
| Average equity | $5,053,200 | 5,265 |
| Average total loans | $13,078,800 | 5,484 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4992% | 4,816 |
| Cost of funding earning assets | 0.4915% | 2,344 |
| Net interest margin | 3.0078% | 4,899 |
| Noninterest income to average assets | 0.2013% | 5,005 |
| Noninterest expense to average assets | 1.9442% | 5,054 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9195% | 2,929 |
| Return on assets (ROA) | 0.9195% | 2,992 |
| Pretax return on assets | 1.0157% | 3,624 |
| Return on Equity (ROE) | 8.0364% | 3,108 |
| Retained earnings to average equity (ytd only) | 8.0364% | 1,208 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6853% | 3,266 |
| Assets per employee ($millions) | 6.5070% | 1,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1970% | 407 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 29.9063% | 5,501 |
| Net loans and leases to deposits | 34.3175% | 5,521 |
| Net loans and leases to core deposits | 49.5562% | 5,210 |
| Total domestic deposits to total assets | 87.1457% | 1,800 |
| Equity capital to assets | 11.6270% | 2,254 |
| Core capital (leverage) ratio | 11.2675% | 2,210 |
| Tier 1 risk-based capital ratio | 22.5677% | 989 |
| Total risk-based capital ratio | 23.8180% | 974 |
| Memoranda: | ||
| Average total assets | $44,370,500 | 5,320 |
| Average earning assets | $40,693,750 | 5,317 |
| Average equity | $5,076,750 | 5,318 |
| Average total loans | $12,948,250 | 5,548 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4641% | 4,845 |
| Cost of funding earning assets | 0.4688% | 2,421 |
| Net interest margin | 2.9953% | 4,924 |
| Noninterest income to average assets | 0.2092% | 5,000 |
| Noninterest expense to average assets | 1.9510% | 5,080 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9186% | 2,811 |
| Return on assets (ROA) | 0.9186% | 2,865 |
| Pretax return on assets | 1.0187% | 3,489 |
| Return on Equity (ROE) | 8.0741% | 2,985 |
| Retained earnings to average equity (ytd only) | 8.0741% | 1,131 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6968% | 3,400 |
| Assets per employee ($millions) | 4.4151% | 3,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2235% | 417 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 30.4772% | 5,531 |
| Net loans and leases to deposits | 34.8457% | 5,555 |
| Net loans and leases to core deposits | 40.3490% | 5,488 |
| Total domestic deposits to total assets | 87.4635% | 1,741 |
| Equity capital to assets | 11.8344% | 2,057 |
| Core capital (leverage) ratio | 11.1935% | 2,228 |
| Tier 1 risk-based capital ratio | 22.5115% | 993 |
| Total risk-based capital ratio | 23.7621% | 977 |
| Memoranda: | ||
| Average total assets | $43,977,670 | 5,369 |
| Average earning assets | $40,530,000 | 5,360 |
| Average equity | $5,003,670 | 5,370 |
| Average total loans | $12,621,670 | 5,604 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3800% | 4,974 |
| Cost of funding earning assets | 0.4560% | 2,470 |
| Net interest margin | 2.9240% | 5,039 |
| Noninterest income to average assets | 0.1732% | 5,241 |
| Noninterest expense to average assets | 1.9594% | 5,133 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8476% | 3,001 |
| Return on assets (ROA) | 0.8476% | 3,045 |
| Pretax return on assets | 0.9022% | 3,762 |
| Return on Equity (ROE) | 7.6027% | 3,115 |
| Retained earnings to average equity (ytd only) | 7.6027% | 1,609 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4713% | 3,132 |
| Assets per employee ($millions) | 4.4056% | 3,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2814% | 424 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 29.7508% | 5,595 |
| Net loans and leases to deposits | 33.9929% | 5,617 |
| Net loans and leases to core deposits | 38.6740% | 5,552 |
| Total domestic deposits to total assets | 87.5204% | 1,977 |
| Equity capital to assets | 11.3151% | 2,338 |
| Core capital (leverage) ratio | 11.1236% | 2,256 |
| Tier 1 risk-based capital ratio | 22.1347% | 1,070 |
| Total risk-based capital ratio | 23.3833% | 1,053 |
| Memoranda: | ||
| Average total assets | $43,891,000 | 5,426 |
| Average earning assets | $40,355,000 | 5,423 |
| Average equity | $4,893,000 | 5,437 |
| Average total loans | $12,051,500 | 5,676 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4691% | 4,843 |
| Cost of funding earning assets | 0.3547% | 3,464 |
| Net interest margin | 3.1144% | 4,694 |
| Noninterest income to average assets | 0.2228% | 5,078 |
| Noninterest expense to average assets | 1.9728% | 5,248 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0096% | 2,313 |
| Return on assets (ROA) | 1.0096% | 2,410 |
| Pretax return on assets | 1.1233% | 3,002 |
| Return on Equity (ROE) | 8.3834% | 2,751 |
| Retained earnings to average equity (ytd only) | 1.6381% | 4,597 |
| Net charge-offs to loans | 0.0182% | 3,698 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 242.0000% | 295 |
| Efficiency ratio | 63.7181% | 3,992 |
| Assets per employee ($millions) | 4.3726% | 3,327 |
| Cash dividends to net income (ytd only)* | 80.4598% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8625% | 203 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 23.7479% | 5,759 |
| Net loans and leases to deposits | 26.8320% | 5,774 |
| Net loans and leases to core deposits | 30.7401% | 5,746 |
| Total domestic deposits to total assets | 88.5057% | 1,374 |
| Equity capital to assets | 10.9797% | 2,643 |
| Core capital (leverage) ratio | 10.8434% | 2,494 |
| Tier 1 risk-based capital ratio | 24.0413% | 864 |
| Total risk-based capital ratio | 25.2903% | 843 |
| Memoranda: | ||
| Average total assets | $43,086,000 | 5,481 |
| Average earning assets | $39,750,400 | 5,476 |
| Average equity | $5,188,800 | 5,439 |
| Average total loans | $11,010,400 | 5,745 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5044% | 4,790 |
| Cost of funding earning assets | 0.3568% | 3,468 |
| Net interest margin | 3.1476% | 4,652 |
| Noninterest income to average assets | 0.2298% | 5,096 |
| Noninterest expense to average assets | 1.9475% | 5,297 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0499% | 2,199 |
| Return on assets (ROA) | 1.0499% | 2,326 |
| Pretax return on assets | 1.1865% | 2,887 |
| Return on Equity (ROE) | 8.5259% | 2,750 |
| Retained earnings to average equity (ytd only) | 8.5259% | 974 |
| Net charge-offs to loans | 0.0241% | 3,188 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 190.7566% | 386 |
| Efficiency ratio | 62.1407% | 4,203 |
| Assets per employee ($millions) | 4.2746% | 3,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5745% | 305 |
| Loan loss allowance to noncurrent loans | 15,300.0000% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 5,526 |
| Noncurrent loans to loans | 0.0168% | 5,326 |
| Net loans and leases to total assets | 27.0903% | 5,774 |
| Net loans and leases to deposits | 31.4494% | 5,797 |
| Net loans and leases to core deposits | 36.3249% | 5,750 |
| Total domestic deposits to total assets | 86.1391% | 2,288 |
| Equity capital to assets | 12.8737% | 1,561 |
| Core capital (leverage) ratio | 11.9429% | 1,718 |
| Tier 1 risk-based capital ratio | 25.2402% | 787 |
| Total risk-based capital ratio | 26.4940% | 770 |
| Memoranda: | ||
| Average total assets | $42,926,000 | 5,547 |
| Average earning assets | $39,606,250 | 5,533 |
| Average equity | $5,285,750 | 5,472 |
| Average total loans | $11,090,500 | 5,808 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4772% | 4,931 |
| Cost of funding earning assets | 0.3533% | 3,527 |
| Net interest margin | 3.1239% | 4,767 |
| Noninterest income to average assets | 0.2280% | 5,126 |
| Noninterest expense to average assets | 1.9634% | 5,346 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0329% | 2,240 |
| Return on assets (ROA) | 1.0329% | 2,372 |
| Pretax return on assets | 1.1446% | 3,013 |
| Return on Equity (ROE) | 8.5166% | 2,740 |
| Retained earnings to average equity (ytd only) | 8.5166% | 1,005 |
| Net charge-offs to loans | 0.0370% | 2,717 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 123.0000% | 479 |
| Efficiency ratio | 63.1737% | 4,160 |
| Assets per employee ($millions) | 4.2368% | 3,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8117% | 249 |
| Loan loss allowance to noncurrent loans | 228.3582% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.3163% | 4,230 |
| Noncurrent loans to loans | 1.2313% | 1,865 |
| Net loans and leases to total assets | 24.9646% | 5,884 |
| Net loans and leases to deposits | 28.9813% | 5,893 |
| Net loans and leases to core deposits | 32.6350% | 5,863 |
| Total domestic deposits to total assets | 86.1405% | 2,353 |
| Equity capital to assets | 12.8281% | 1,598 |
| Core capital (leverage) ratio | 11.5696% | 1,935 |
| Tier 1 risk-based capital ratio | 25.2968% | 789 |
| Total risk-based capital ratio | 26.5471% | 771 |
| Memoranda: | ||
| Average total assets | $42,986,000 | 5,605 |
| Average earning assets | $39,629,670 | 5,598 |
| Average equity | $5,213,330 | 5,542 |
| Average total loans | $10,825,330 | 5,884 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4392% | 5,030 |
| Cost of funding earning assets | 0.3589% | 3,516 |
| Net interest margin | 3.0803% | 4,915 |
| Noninterest income to average assets | 0.2310% | 5,090 |
| Noninterest expense to average assets | 1.9494% | 5,434 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0348% | 2,142 |
| Return on assets (ROA) | 1.0348% | 2,263 |
| Pretax return on assets | 1.1364% | 2,951 |
| Return on Equity (ROE) | 8.7800% | 2,525 |
| Retained earnings to average equity (ytd only) | 8.7800% | 1,179 |
| Net charge-offs to loans | 0.0741% | 1,743 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 61.5000% | 764 |
| Efficiency ratio | 63.1737% | 4,279 |
| Assets per employee ($millions) | 4.2462% | 3,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7854% | 278 |
| Loan loss allowance to noncurrent loans | 194.9045% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.3697% | 4,091 |
| Noncurrent loans to loans | 1.4291% | 1,663 |
| Net loans and leases to total assets | 25.1519% | 5,933 |
| Net loans and leases to deposits | 28.9235% | 5,945 |
| Net loans and leases to core deposits | 32.5223% | 5,911 |
| Total domestic deposits to total assets | 86.9601% | 2,228 |
| Equity capital to assets | 12.2298% | 1,874 |
| Core capital (leverage) ratio | 11.0699% | 2,344 |
| Tier 1 risk-based capital ratio | 24.2697% | 891 |
| Total risk-based capital ratio | 25.5231% | 876 |
| Memoranda: | ||
| Average total assets | $43,295,000 | 5,651 |
| Average earning assets | $40,125,500 | 5,632 |
| Average equity | $5,102,500 | 5,608 |
| Average total loans | $10,796,500 | 5,945 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6561% | 4,501 |
| Cost of funding earning assets | 0.3319% | 3,887 |
| Net interest margin | 3.3241% | 4,201 |
| Noninterest income to average assets | 0.2203% | 5,277 |
| Noninterest expense to average assets | 1.8920% | 5,625 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.2242% | 1,472 |
| Return on assets (ROA) | 1.2242% | 1,531 |
| Pretax return on assets | 1.4218% | 1,817 |
| Return on Equity (ROE) | 10.4966% | 1,805 |
| Retained earnings to average equity (ytd only) | 1.7332% | 4,737 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0939% | 5,248 |
| Assets per employee ($millions) | 4.0116% | 3,919 |
| Cash dividends to net income (ytd only)* | 83.4879% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9037% | 252 |
| Loan loss allowance to noncurrent loans | 174.0113% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 0.4011% | 3,994 |
| Noncurrent loans to loans | 1.6687% | 1,362 |
| Net loans and leases to total assets | 23.3389% | 6,015 |
| Net loans and leases to deposits | 26.5233% | 6,029 |
| Net loans and leases to core deposits | 29.9424% | 6,006 |
| Total domestic deposits to total assets | 87.9940% | 1,638 |
| Equity capital to assets | 11.3579% | 2,490 |
| Core capital (leverage) ratio | 10.3785% | 3,076 |
| Tier 1 risk-based capital ratio | 24.2601% | 892 |
| Total risk-based capital ratio | 25.5118% | 874 |
| Memoranda: | ||
| Average total assets | $44,027,800 | 5,682 |
| Average earning assets | $40,973,000 | 5,648 |
| Average equity | $5,135,000 | 5,626 |
| Average total loans | $11,920,800 | 5,973 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6684% | 4,528 |
| Cost of funding earning assets | 0.3285% | 4,006 |
| Net interest margin | 3.3400% | 4,178 |
| Noninterest income to average assets | 0.2333% | 5,262 |
| Noninterest expense to average assets | 1.8635% | 5,691 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2635% | 1,441 |
| Return on assets (ROA) | 1.2635% | 1,502 |
| Pretax return on assets | 1.4817% | 1,730 |
| Return on Equity (ROE) | 10.7630% | 1,802 |
| Retained earnings to average equity (ytd only) | 10.7630% | 510 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7065% | 5,390 |
| Assets per employee ($millions) | 4.4716% | 3,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4458% | 470 |
| Loan loss allowance to noncurrent loans | 166.4865% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 0.4137% | 4,116 |
| Noncurrent loans to loans | 1.4691% | 1,703 |
| Net loans and leases to total assets | 27.4734% | 6,040 |
| Net loans and leases to deposits | 31.3905% | 6,059 |
| Net loans and leases to core deposits | 38.2937% | 5,965 |
| Total domestic deposits to total assets | 87.5212% | 1,798 |
| Equity capital to assets | 11.8660% | 2,202 |
| Core capital (leverage) ratio | 11.1280% | 2,372 |
| Tier 1 risk-based capital ratio | 23.5243% | 996 |
| Total risk-based capital ratio | 24.7768% | 983 |
| Memoranda: | ||
| Average total assets | $44,002,750 | 5,760 |
| Average earning assets | $40,997,250 | 5,722 |
| Average equity | $5,165,750 | 5,684 |
| Average total loans | $12,249,250 | 6,047 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6859% | 4,446 |
| Cost of funding earning assets | 0.3337% | 4,003 |
| Net interest margin | 3.3522% | 4,100 |
| Noninterest income to average assets | 0.2239% | 5,359 |
| Noninterest expense to average assets | 1.8874% | 5,733 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2521% | 1,458 |
| Return on assets (ROA) | 1.2521% | 1,517 |
| Pretax return on assets | 1.4578% | 1,776 |
| Return on Equity (ROE) | 10.7052% | 1,776 |
| Retained earnings to average equity (ytd only) | 10.7052% | 547 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4208% | 5,392 |
| Assets per employee ($millions) | 4.4521% | 3,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3273% | 614 |
| Loan loss allowance to noncurrent loans | 155.5556% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.4447% | 4,148 |
| Noncurrent loans to loans | 1.4961% | 1,778 |
| Net loans and leases to total assets | 29.0335% | 6,068 |
| Net loans and leases to deposits | 33.2177% | 6,098 |
| Net loans and leases to core deposits | 39.6406% | 5,968 |
| Total domestic deposits to total assets | 87.4037% | 1,960 |
| Equity capital to assets | 11.4935% | 2,420 |
| Core capital (leverage) ratio | 10.8760% | 2,538 |
| Tier 1 risk-based capital ratio | 23.6625% | 992 |
| Total risk-based capital ratio | 24.9155% | 975 |
| Memoranda: | ||
| Average total assets | $43,765,000 | 5,826 |
| Average earning assets | $40,749,670 | 5,793 |
| Average equity | $5,119,000 | 5,746 |
| Average total loans | $12,134,670 | 6,115 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7423% | 4,223 |
| Cost of funding earning assets | 0.3276% | 4,128 |
| Net interest margin | 3.4147% | 3,785 |
| Noninterest income to average assets | 0.2120% | 5,432 |
| Noninterest expense to average assets | 1.9176% | 5,727 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2723% | 1,353 |
| Return on assets (ROA) | 1.2723% | 1,435 |
| Pretax return on assets | 1.4659% | 1,673 |
| Return on Equity (ROE) | 10.7813% | 1,701 |
| Retained earnings to average equity (ytd only) | 10.7813% | 755 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6757% | 5,469 |
| Assets per employee ($millions) | 4.0445% | 3,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4412% | 578 |
| Loan loss allowance to noncurrent loans | 275.0000% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.2517% | 4,934 |
| Noncurrent loans to loans | 0.8877% | 3,025 |
| Net loans and leases to total assets | 27.6675% | 6,144 |
| Net loans and leases to deposits | 31.6907% | 6,167 |
| Net loans and leases to core deposits | 36.5947% | 6,084 |
| Total domestic deposits to total assets | 87.3047% | 2,214 |
| Equity capital to assets | 11.7400% | 2,250 |
| Core capital (leverage) ratio | 10.7058% | 2,744 |
| Tier 1 risk-based capital ratio | 22.7094% | 1,147 |
| Total risk-based capital ratio | 23.9628% | 1,129 |
| Memoranda: | ||
| Average total assets | $43,387,000 | 5,884 |
| Average earning assets | $40,296,500 | 5,855 |
| Average equity | $5,120,000 | 5,806 |
| Average total loans | $11,585,000 | 6,185 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7480% | 4,653 |
| Cost of funding earning assets | 0.4105% | 3,581 |
| Net interest margin | 3.3375% | 4,450 |
| Noninterest income to average assets | 0.1295% | 6,045 |
| Noninterest expense to average assets | 2.0279% | 5,716 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0952% | 1,990 |
| Return on assets (ROA) | 1.0952% | 2,046 |
| Pretax return on assets | 1.1847% | 2,717 |
| Return on Equity (ROE) | 9.6074% | 2,297 |
| Retained earnings to average equity (ytd only) | 2.3760% | 4,536 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1232% | 4,737 |
| Assets per employee ($millions) | 3.8441% | 4,260 |
| Cash dividends to net income (ytd only)* | 75.2688% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9186% | 329 |
| Loan loss allowance to noncurrent loans | 134.4978% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 0.5416% | 3,997 |
| Noncurrent loans to loans | 2.1700% | 1,239 |
| Net loans and leases to total assets | 24.2284% | 6,309 |
| Net loans and leases to deposits | 28.0102% | 6,320 |
| Net loans and leases to core deposits | 30.7058% | 6,302 |
| Total domestic deposits to total assets | 86.4988% | 2,569 |
| Equity capital to assets | 11.8647% | 2,115 |
| Core capital (leverage) ratio | 10.2636% | 3,224 |
| Tier 1 risk-based capital ratio | 25.2761% | 815 |
| Total risk-based capital ratio | 26.5329% | 801 |
| Memoranda: | ||
| Average total assets | $42,456,800 | 5,973 |
| Average earning assets | $39,221,000 | 5,946 |
| Average equity | $4,840,000 | 5,898 |
| Average total loans | $12,203,200 | 6,247 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7524% | 4,704 |
| Cost of funding earning assets | 0.4241% | 3,531 |
| Net interest margin | 3.3283% | 4,512 |
| Noninterest income to average assets | 0.0878% | 6,288 |
| Noninterest expense to average assets | 2.0141% | 5,749 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0729% | 2,145 |
| Return on assets (ROA) | 1.0729% | 2,211 |
| Pretax return on assets | 1.1513% | 2,980 |
| Return on Equity (ROE) | 9.5082% | 2,443 |
| Retained earnings to average equity (ytd only) | 2.5577% | 4,761 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6274% | 4,610 |
| Assets per employee ($millions) | 3.9884% | 3,920 |
| Cash dividends to net income (ytd only)* | 73.1003% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2842% | 840 |
| Loan loss allowance to noncurrent loans | 136.2832% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 0.5151% | 4,337 |
| Noncurrent loans to loans | 1.6761% | 1,949 |
| Net loans and leases to total assets | 30.0328% | 6,247 |
| Net loans and leases to deposits | 35.0743% | 6,269 |
| Net loans and leases to core deposits | 38.3536% | 6,227 |
| Total domestic deposits to total assets | 85.6264% | 3,058 |
| Equity capital to assets | 11.2395% | 2,713 |
| Core capital (leverage) ratio | 10.4688% | 3,078 |
| Tier 1 risk-based capital ratio | 22.0880% | 1,252 |
| Total risk-based capital ratio | 23.3404% | 1,232 |
| Memoranda: | ||
| Average total assets | $42,499,750 | 6,038 |
| Average earning assets | $39,298,500 | 6,009 |
| Average equity | $4,795,750 | 5,971 |
| Average total loans | $12,615,750 | 6,312 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7343% | 4,748 |
| Cost of funding earning assets | 0.4442% | 3,396 |
| Net interest margin | 3.2901% | 4,629 |
| Noninterest income to average assets | 0.0048% | 6,537 |
| Noninterest expense to average assets | 2.0123% | 5,822 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9942% | 2,344 |
| Return on assets (ROA) | 0.9942% | 2,414 |
| Pretax return on assets | 1.0228% | 3,385 |
| Return on Equity (ROE) | 8.7988% | 2,696 |
| Retained earnings to average equity (ytd only) | 8.7988% | 1,052 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3009% | 4,314 |
| Assets per employee ($millions) | 3.9378% | 3,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2524% | 952 |
| Loan loss allowance to noncurrent loans | 131.0638% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 0.5425% | 4,364 |
| Noncurrent loans to loans | 1.7186% | 2,011 |
| Net loans and leases to total assets | 30.8570% | 6,279 |
| Net loans and leases to deposits | 35.4010% | 6,312 |
| Net loans and leases to core deposits | 37.7891% | 6,285 |
| Total domestic deposits to total assets | 87.1641% | 2,363 |
| Equity capital to assets | 11.5223% | 2,405 |
| Core capital (leverage) ratio | 10.9737% | 2,452 |
| Tier 1 risk-based capital ratio | 22.7720% | 1,145 |
| Total risk-based capital ratio | 24.0253% | 1,129 |
| Memoranda: | ||
| Average total assets | $42,042,330 | 6,107 |
| Average earning assets | $38,722,330 | 6,079 |
| Average equity | $4,750,670 | 6,025 |
| Average total loans | $12,326,330 | 6,375 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6948% | 4,862 |
| Cost of funding earning assets | 0.4618% | 3,293 |
| Net interest margin | 3.2329% | 4,807 |
| Noninterest income to average assets | 0.0773% | 6,402 |
| Noninterest expense to average assets | 2.0674% | 5,747 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9757% | 2,299 |
| Return on assets (ROA) | 0.9757% | 2,363 |
| Pretax return on assets | 0.9854% | 3,386 |
| Return on Equity (ROE) | 8.7248% | 2,585 |
| Retained earnings to average equity (ytd only) | 8.7248% | 1,338 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7215% | 4,220 |
| Assets per employee ($millions) | 3.7970% | 4,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4915% | 815 |
| Loan loss allowance to noncurrent loans | 125.2033% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 1.2977% | 2,698 |
| Noncurrent loans to loans | 1.9900% | 1,878 |
| Net loans and leases to total assets | 28.8601% | 6,394 |
| Net loans and leases to deposits | 32.7741% | 6,409 |
| Net loans and leases to core deposits | 34.7618% | 6,390 |
| Total domestic deposits to total assets | 88.0576% | 2,207 |
| Equity capital to assets | 11.3559% | 2,371 |
| Core capital (leverage) ratio | 10.8278% | 2,563 |
| Tier 1 risk-based capital ratio | 23.0310% | 1,141 |
| Total risk-based capital ratio | 24.2827% | 1,133 |
| Memoranda: | ||
| Average total assets | $41,405,500 | 6,183 |
| Average earning assets | $38,108,000 | 6,170 |
| Average equity | $4,630,500 | 6,089 |
| Average total loans | $11,652,500 | 6,455 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7149% | 5,089 |
| Cost of funding earning assets | 0.5141% | 3,460 |
| Net interest margin | 3.2008% | 5,002 |
| Noninterest income to average assets | 0.2851% | 5,318 |
| Noninterest expense to average assets | 1.9908% | 6,046 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1282% | 1,839 |
| Return on assets (ROA) | 1.1282% | 1,903 |
| Pretax return on assets | 1.2525% | 2,350 |
| Return on Equity (ROE) | 9.9840% | 2,121 |
| Retained earnings to average equity (ytd only) | 5.6713% | 2,172 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3824% | 5,306 |
| Assets per employee ($millions) | 3.7313% | 4,406 |
| Cash dividends to net income (ytd only)* | 43.1965% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8146% | 584 |
| Loan loss allowance to noncurrent loans | 126.2295% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 1.3644% | 2,705 |
| Noncurrent loans to loans | 2.2297% | 1,739 |
| Net loans and leases to total assets | 25.9112% | 6,570 |
| Net loans and leases to deposits | 29.2403% | 6,596 |
| Net loans and leases to core deposits | 30.4109% | 6,594 |
| Total domestic deposits to total assets | 88.6147% | 1,850 |
| Equity capital to assets | 11.0077% | 2,607 |
| Core capital (leverage) ratio | 10.1663% | 3,342 |
| Tier 1 risk-based capital ratio | 24.2374% | 929 |
| Total risk-based capital ratio | 25.4908% | 917 |
| Memoranda: | ||
| Average total assets | $41,038,000 | 6,262 |
| Average earning assets | $37,928,200 | 6,224 |
| Average equity | $4,637,400 | 6,158 |
| Average total loans | $12,602,800 | 6,498 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6847% | 5,204 |
| Cost of funding earning assets | 0.5194% | 3,573 |
| Net interest margin | 3.1653% | 5,099 |
| Noninterest income to average assets | 0.2794% | 5,447 |
| Noninterest expense to average assets | 1.9689% | 6,070 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1112% | 1,966 |
| Return on assets (ROA) | 1.1112% | 2,033 |
| Pretax return on assets | 1.2411% | 2,545 |
| Return on Equity (ROE) | 9.7700% | 2,278 |
| Retained earnings to average equity (ytd only) | 4.0566% | 3,803 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3360% | 5,224 |
| Assets per employee ($millions) | 3.7852% | 4,279 |
| Cash dividends to net income (ytd only)* | 58.4794% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3298% | 1,135 |
| Loan loss allowance to noncurrent loans | 55.2962% | 4,997 |
| Noncurrent assets plus other real estate owned to assets | 1.3378% | 2,967 |
| Noncurrent loans to loans | 4.2133% | 817 |
| Net loans and leases to total assets | 31.0109% | 6,490 |
| Net loans and leases to deposits | 34.8192% | 6,543 |
| Net loans and leases to core deposits | 37.2286% | 6,519 |
| Total domestic deposits to total assets | 89.0626% | 1,524 |
| Equity capital to assets | 10.5435% | 3,227 |
| Core capital (leverage) ratio | 10.1897% | 3,418 |
| Tier 1 risk-based capital ratio | 22.4922% | 1,225 |
| Total risk-based capital ratio | 23.7468% | 1,206 |
| Memoranda: | ||
| Average total assets | $41,036,500 | 6,331 |
| Average earning assets | $37,994,500 | 6,299 |
| Average equity | $4,667,250 | 6,230 |
| Average total loans | $13,017,750 | 6,554 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6938% | 5,159 |
| Cost of funding earning assets | 0.5277% | 3,630 |
| Net interest margin | 3.1661% | 5,063 |
| Noninterest income to average assets | 0.2792% | 5,457 |
| Noninterest expense to average assets | 2.0227% | 6,007 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0775% | 2,003 |
| Return on assets (ROA) | 1.0775% | 2,117 |
| Pretax return on assets | 1.1950% | 2,695 |
| Return on Equity (ROE) | 9.2443% | 2,521 |
| Retained earnings to average equity (ytd only) | 9.2443% | 1,048 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8615% | 5,040 |
| Assets per employee ($millions) | 3.7521% | 4,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1869% | 1,451 |
| Loan loss allowance to noncurrent loans | 256.6667% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.2907% | 5,602 |
| Noncurrent loans to loans | 0.8520% | 4,215 |
| Net loans and leases to total assets | 33.3778% | 6,445 |
| Net loans and leases to deposits | 37.9024% | 6,491 |
| Net loans and leases to core deposits | 40.5821% | 6,446 |
| Total domestic deposits to total assets | 88.0624% | 2,202 |
| Equity capital to assets | 11.3900% | 2,390 |
| Core capital (leverage) ratio | 10.6911% | 2,676 |
| Tier 1 risk-based capital ratio | 22.5670% | 1,197 |
| Total risk-based capital ratio | 23.8239% | 1,184 |
| Memoranda: | ||
| Average total assets | $40,836,330 | 6,385 |
| Average earning assets | $37,901,670 | 6,347 |
| Average equity | $4,759,670 | 6,253 |
| Average total loans | $12,950,330 | 6,599 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6811% | 5,228 |
| Cost of funding earning assets | 0.5410% | 3,663 |
| Net interest margin | 3.1401% | 5,125 |
| Noninterest income to average assets | 0.2954% | 5,343 |
| Noninterest expense to average assets | 2.0188% | 6,067 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0833% | 1,924 |
| Return on assets (ROA) | 1.0833% | 2,032 |
| Pretax return on assets | 1.1916% | 2,610 |
| Return on Equity (ROE) | 9.1877% | 2,399 |
| Retained earnings to average equity (ytd only) | 9.1877% | 1,321 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8834% | 5,169 |
| Assets per employee ($millions) | 3.7080% | 4,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3687% | 1,300 |
| Loan loss allowance to noncurrent loans | 200.0000% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.3776% | 5,460 |
| Noncurrent loans to loans | 1.1843% | 3,790 |
| Net loans and leases to total assets | 31.1244% | 6,559 |
| Net loans and leases to deposits | 35.6601% | 6,586 |
| Net loans and leases to core deposits | 38.8309% | 6,530 |
| Total domestic deposits to total assets | 87.2806% | 2,772 |
| Equity capital to assets | 11.7731% | 2,200 |
| Core capital (leverage) ratio | 10.4495% | 2,848 |
| Tier 1 risk-based capital ratio | 22.7577% | 1,196 |
| Total risk-based capital ratio | 24.0151% | 1,175 |
| Memoranda: | ||
| Average total assets | $40,618,000 | 6,442 |
| Average earning assets | $37,706,000 | 6,413 |
| Average equity | $4,789,000 | 6,303 |
| Average total loans | $12,383,500 | 6,683 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8794% | 5,639 |
| Cost of funding earning assets | 0.6496% | 3,919 |
| Net interest margin | 3.2298% | 5,494 |
| Noninterest income to average assets | 0.3018% | 5,297 |
| Noninterest expense to average assets | 1.9919% | 6,340 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.1396% | 1,807 |
| Return on assets (ROA) | 1.1396% | 1,977 |
| Pretax return on assets | 1.2989% | 2,401 |
| Return on Equity (ROE) | 9.6666% | 2,329 |
| Retained earnings to average equity (ytd only) | 1.4746% | 5,130 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5282% | 5,463 |
| Assets per employee ($millions) | 3.6771% | 4,609 |
| Cash dividends to net income (ytd only)* | 84.7458% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6182% | 1,007 |
| Loan loss allowance to noncurrent loans | 80.6283% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 0.9444% | 4,138 |
| Noncurrent loans to loans | 3.2472% | 1,583 |
| Net loans and leases to total assets | 28.3228% | 6,755 |
| Net loans and leases to deposits | 33.0764% | 6,758 |
| Net loans and leases to core deposits | 36.1069% | 6,724 |
| Total domestic deposits to total assets | 85.6285% | 3,541 |
| Equity capital to assets | 11.8078% | 2,180 |
| Core capital (leverage) ratio | 10.1714% | 3,173 |
| Tier 1 risk-based capital ratio | 22.8560% | 1,132 |
| Total risk-based capital ratio | 24.1138% | 1,116 |
| Memoranda: | ||
| Average total assets | $41,418,400 | 6,451 |
| Average earning assets | $38,330,800 | 6,420 |
| Average equity | $4,882,800 | 6,330 |
| Average total loans | $12,576,000 | 6,755 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9239% | 5,725 |
| Cost of funding earning assets | 0.6678% | 4,035 |
| Net interest margin | 3.2561% | 5,522 |
| Noninterest income to average assets | 0.2912% | 5,448 |
| Noninterest expense to average assets | 1.9938% | 6,357 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1425% | 1,940 |
| Return on assets (ROA) | 1.1425% | 2,133 |
| Pretax return on assets | 1.3089% | 2,567 |
| Return on Equity (ROE) | 9.6953% | 2,501 |
| Retained earnings to average equity (ytd only) | 9.6953% | 1,001 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3682% | 5,435 |
| Assets per employee ($millions) | 3.8089% | 4,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4903% | 1,219 |
| Loan loss allowance to noncurrent loans | 84.6154% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 0.8688% | 4,553 |
| Noncurrent loans to loans | 2.9431% | 1,898 |
| Net loans and leases to total assets | 28.7842% | 6,853 |
| Net loans and leases to deposits | 33.8147% | 6,874 |
| Net loans and leases to core deposits | 40.8758% | 6,707 |
| Total domestic deposits to total assets | 85.1234% | 3,695 |
| Equity capital to assets | 12.2846% | 2,053 |
| Core capital (leverage) ratio | 10.5185% | 2,894 |
| Tier 1 risk-based capital ratio | 23.9882% | 1,023 |
| Total risk-based capital ratio | 25.2444% | 1,004 |
| Memoranda: | ||
| Average total assets | $41,661,000 | 6,522 |
| Average earning assets | $38,532,250 | 6,487 |
| Average equity | $4,909,500 | 6,385 |
| Average total loans | $12,779,000 | 6,838 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9300% | 5,836 |
| Cost of funding earning assets | 0.6819% | 4,170 |
| Net interest margin | 3.2481% | 5,600 |
| Noninterest income to average assets | 0.2693% | 5,651 |
| Noninterest expense to average assets | 2.0442% | 6,343 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0870% | 2,091 |
| Return on assets (ROA) | 1.0870% | 2,314 |
| Pretax return on assets | 1.2265% | 2,818 |
| Return on Equity (ROE) | 9.3575% | 2,645 |
| Retained earnings to average equity (ytd only) | 9.3575% | 1,155 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5000% | 5,167 |
| Assets per employee ($millions) | 3.4193% | 5,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2237% | 1,720 |
| Loan loss allowance to noncurrent loans | 242.5197% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.3095% | 5,990 |
| Noncurrent loans to loans | 0.9169% | 4,668 |
| Net loans and leases to total assets | 33.0068% | 6,771 |
| Net loans and leases to deposits | 39.4116% | 6,754 |
| Net loans and leases to core deposits | 48.0214% | 6,456 |
| Total domestic deposits to total assets | 83.7489% | 4,421 |
| Equity capital to assets | 12.1006% | 2,073 |
| Core capital (leverage) ratio | 10.3613% | 2,970 |
| Tier 1 risk-based capital ratio | 19.0973% | 1,938 |
| Total risk-based capital ratio | 20.3478% | 1,922 |
| Memoranda: | ||
| Average total assets | $41,582,000 | 6,569 |
| Average earning assets | $38,422,330 | 6,536 |
| Average equity | $4,830,330 | 6,440 |
| Average total loans | $12,916,000 | 6,888 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9258% | 5,958 |
| Cost of funding earning assets | 0.6836% | 4,421 |
| Net interest margin | 3.2421% | 5,655 |
| Noninterest income to average assets | 0.2293% | 5,982 |
| Noninterest expense to average assets | 2.0546% | 6,371 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0416% | 2,318 |
| Return on assets (ROA) | 1.0416% | 2,508 |
| Pretax return on assets | 1.1659% | 3,042 |
| Return on Equity (ROE) | 9.1539% | 2,759 |
| Retained earnings to average equity (ytd only) | 9.1539% | 1,531 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7982% | 4,956 |
| Assets per employee ($millions) | 3.4122% | 5,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4130% | 1,481 |
| Loan loss allowance to noncurrent loans | 185.5422% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.4054% | 5,846 |
| Noncurrent loans to loans | 1.3005% | 4,170 |
| Net loans and leases to total assets | 30.4206% | 6,891 |
| Net loans and leases to deposits | 35.9875% | 6,893 |
| Net loans and leases to core deposits | 43.3901% | 6,682 |
| Total domestic deposits to total assets | 84.5308% | 4,256 |
| Equity capital to assets | 11.7179% | 2,250 |
| Core capital (leverage) ratio | 10.0439% | 3,314 |
| Tier 1 risk-based capital ratio | 19.1621% | 1,943 |
| Total risk-based capital ratio | 20.4152% | 1,909 |
| Memoranda: | ||
| Average total assets | $41,857,500 | 6,610 |
| Average earning assets | $38,616,500 | 6,578 |
| Average equity | $4,763,000 | 6,493 |
| Average total loans | $12,448,500 | 6,959 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1115% | 6,263 |
| Cost of funding earning assets | 0.7785% | 5,010 |
| Net interest margin | 3.3330% | 5,717 |
| Noninterest income to average assets | 0.2514% | 5,732 |
| Noninterest expense to average assets | 1.9785% | 6,712 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.1567% | 1,652 |
| Return on assets (ROA) | 1.1608% | 1,741 |
| Pretax return on assets | 1.3558% | 1,926 |
| Return on Equity (ROE) | 10.9051% | 1,724 |
| Retained earnings to average equity (ytd only) | 4.2826% | 3,136 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4213% | 5,841 |
| Assets per employee ($millions) | 3.5641% | 4,857 |
| Cash dividends to net income (ytd only)* | 60.7287% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5385% | 1,265 |
| Loan loss allowance to noncurrent loans | 242.5197% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.6968% | 5,250 |
| Noncurrent loans to loans | 1.0467% | 4,615 |
| Net loans and leases to total assets | 27.6485% | 7,068 |
| Net loans and leases to deposits | 32.4124% | 7,084 |
| Net loans and leases to core deposits | 40.6665% | 6,925 |
| Total domestic deposits to total assets | 85.3024% | 3,689 |
| Equity capital to assets | 11.0547% | 2,934 |
| Core capital (leverage) ratio | 9.3765% | 4,217 |
| Tier 1 risk-based capital ratio | 18.3234% | 2,099 |
| Total risk-based capital ratio | 19.5768% | 2,064 |
| Memoranda: | ||
| Average total assets | $42,557,800 | 6,583 |
| Average earning assets | $39,304,400 | 6,559 |
| Average equity | $4,530,000 | 6,583 |
| Average total loans | $13,257,400 | 6,976 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2092% | 6,185 |
| Cost of funding earning assets | 0.7990% | 5,155 |
| Net interest margin | 3.4102% | 5,542 |
| Noninterest income to average assets | 0.2415% | 5,895 |
| Noninterest expense to average assets | 1.9793% | 6,733 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1929% | 1,669 |
| Return on assets (ROA) | 1.1983% | 1,771 |
| Pretax return on assets | 1.4147% | 1,900 |
| Return on Equity (ROE) | 11.3675% | 1,739 |
| Retained earnings to average equity (ytd only) | 11.3675% | 573 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4259% | 5,947 |
| Assets per employee ($millions) | 3.8789% | 4,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2449% | 1,791 |
| Loan loss allowance to noncurrent loans | 221.5827% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.7265% | 5,341 |
| Noncurrent loans to loans | 1.0131% | 4,864 |
| Net loans and leases to total assets | 31.4334% | 7,038 |
| Net loans and leases to deposits | 37.0958% | 7,058 |
| Net loans and leases to core deposits | 51.0195% | 6,620 |
| Total domestic deposits to total assets | 84.7356% | 3,894 |
| Equity capital to assets | 11.5098% | 2,669 |
| Core capital (leverage) ratio | 9.5724% | 4,036 |
| Tier 1 risk-based capital ratio | 18.3309% | 2,139 |
| Total risk-based capital ratio | 19.5808% | 2,102 |
| Memoranda: | ||
| Average total assets | $42,505,000 | 6,646 |
| Average earning assets | $39,215,000 | 6,621 |
| Average equity | $4,480,500 | 6,650 |
| Average total loans | $13,538,500 | 7,038 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1387% | 6,407 |
| Cost of funding earning assets | 0.8216% | 5,230 |
| Net interest margin | 3.3171% | 5,808 |
| Noninterest income to average assets | 0.2261% | 6,053 |
| Noninterest expense to average assets | 2.0023% | 6,785 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1166% | 1,825 |
| Return on assets (ROA) | 1.1166% | 1,909 |
| Pretax return on assets | 1.2862% | 2,179 |
| Return on Equity (ROE) | 10.9292% | 1,819 |
| Retained earnings to average equity (ytd only) | 10.9292% | 678 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8883% | 5,748 |
| Assets per employee ($millions) | 3.9366% | 3,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0272% | 2,294 |
| Loan loss allowance to noncurrent loans | 100.0000% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 1.1062% | 4,679 |
| Noncurrent loans to loans | 2.0272% | 3,442 |
| Net loans and leases to total assets | 34.3741% | 7,036 |
| Net loans and leases to deposits | 38.9558% | 7,097 |
| Net loans and leases to core deposits | 56.1847% | 6,402 |
| Total domestic deposits to total assets | 88.2387% | 1,997 |
| Equity capital to assets | 10.6321% | 3,348 |
| Core capital (leverage) ratio | 9.7306% | 3,624 |
| Tier 1 risk-based capital ratio | 16.3591% | 2,802 |
| Total risk-based capital ratio | 17.5947% | 2,777 |
| Memoranda: | ||
| Average total assets | $42,450,670 | 6,701 |
| Average earning assets | $39,190,670 | 6,677 |
| Average equity | $4,337,000 | 6,736 |
| Average total loans | $13,478,000 | 7,110 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0974% | 6,505 |
| Cost of funding earning assets | 0.8626% | 5,192 |
| Net interest margin | 3.2348% | 5,969 |
| Noninterest income to average assets | 0.2570% | 5,838 |
| Noninterest expense to average assets | 1.9798% | 6,859 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1136% | 1,793 |
| Return on assets (ROA) | 1.1136% | 1,845 |
| Pretax return on assets | 1.2754% | 2,117 |
| Return on Equity (ROE) | 11.1336% | 1,699 |
| Retained earnings to average equity (ytd only) | 11.1336% | 879 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8187% | 5,857 |
| Assets per employee ($millions) | 3.4743% | 5,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3054% | 1,751 |
| Loan loss allowance to noncurrent loans | 88.7608% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 0.8755% | 5,158 |
| Noncurrent loans to loans | 2.5973% | 2,900 |
| Net loans and leases to total assets | 31.3065% | 7,193 |
| Net loans and leases to deposits | 35.3081% | 7,239 |
| Net loans and leases to core deposits | 49.2417% | 6,819 |
| Total domestic deposits to total assets | 88.6666% | 1,978 |
| Equity capital to assets | 10.3739% | 3,321 |
| Core capital (leverage) ratio | 9.4513% | 3,882 |
| Tier 1 risk-based capital ratio | 17.2891% | 2,377 |
| Total risk-based capital ratio | 18.5384% | 2,349 |
| Memoranda: | ||
| Average total assets | $42,024,500 | 6,759 |
| Average earning assets | $38,951,500 | 6,721 |
| Average equity | $4,203,500 | 6,810 |
| Average total loans | $12,620,500 | 7,193 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5836% | 6,159 |
| Cost of funding earning assets | 1.0584% | 5,380 |
| Net interest margin | 3.5252% | 5,136 |
| Noninterest income to average assets | 0.2960% | 5,672 |
| Noninterest expense to average assets | 2.0155% | 6,998 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.2162% | 1,377 |
| Return on assets (ROA) | 1.2162% | 1,450 |
| Pretax return on assets | 1.5344% | 1,288 |
| Return on Equity (ROE) | 11.3537% | 1,491 |
| Retained earnings to average equity (ytd only) | 2.1418% | 4,387 |
| Net charge-offs to loans | 0.0149% | 6,679 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 311.0000% | 73 |
| Efficiency ratio | 56.7755% | 6,493 |
| Assets per employee ($millions) | 3.8507% | 4,132 |
| Cash dividends to net income (ytd only)* | 81.1359% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5924% | 1,298 |
| Loan loss allowance to noncurrent loans | 92.2156% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 0.8310% | 5,340 |
| Noncurrent loans to loans | 2.8112% | 2,713 |
| Net loans and leases to total assets | 27.3219% | 7,418 |
| Net loans and leases to deposits | 30.5155% | 7,451 |
| Net loans and leases to core deposits | 42.1373% | 7,255 |
| Total domestic deposits to total assets | 89.5344% | 1,366 |
| Equity capital to assets | 9.6369% | 4,227 |
| Core capital (leverage) ratio | 8.9423% | 4,630 |
| Tier 1 risk-based capital ratio | 17.7209% | 2,084 |
| Total risk-based capital ratio | 18.9712% | 2,056 |
| Memoranda: | ||
| Average total assets | $40,536,200 | 6,845 |
| Average earning assets | $37,415,800 | 6,824 |
| Average equity | $4,342,200 | 6,873 |
| Average total loans | $13,460,200 | 7,232 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7555% | 5,833 |
| Cost of funding earning assets | 1.0796% | 5,551 |
| Net interest margin | 3.6758% | 4,519 |
| Noninterest income to average assets | 0.2994% | 5,748 |
| Noninterest expense to average assets | 2.0425% | 6,975 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.2674% | 1,419 |
| Return on assets (ROA) | 1.2674% | 1,501 |
| Pretax return on assets | 1.6433% | 1,230 |
| Return on Equity (ROE) | 11.5262% | 1,641 |
| Retained earnings to average equity (ytd only) | 11.5262% | 521 |
| Net charge-offs to loans | 0.0193% | 6,401 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 246.6854% | 134 |
| Efficiency ratio | 55.4152% | 6,632 |
| Assets per employee ($millions) | 3.6850% | 4,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2447% | 1,709 |
| Loan loss allowance to noncurrent loans | 94.4785% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 0.8486% | 5,398 |
| Noncurrent loans to loans | 2.3759% | 3,262 |
| Net loans and leases to total assets | 33.0899% | 7,372 |
| Net loans and leases to deposits | 37.9864% | 7,423 |
| Net loans and leases to core deposits | 52.9426% | 7,009 |
| Total domestic deposits to total assets | 87.1099% | 2,466 |
| Equity capital to assets | 11.4617% | 2,560 |
| Core capital (leverage) ratio | 10.2072% | 3,037 |
| Tier 1 risk-based capital ratio | 18.7341% | 1,813 |
| Total risk-based capital ratio | 19.9864% | 1,781 |
| Memoranda: | ||
| Average total assets | $40,080,750 | 6,950 |
| Average earning assets | $36,925,000 | 6,921 |
| Average equity | $4,407,250 | 6,939 |
| Average total loans | $13,855,000 | 7,305 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7522% | 5,964 |
| Cost of funding earning assets | 1.0837% | 5,765 |
| Net interest margin | 3.6685% | 4,510 |
| Noninterest income to average assets | 0.2905% | 5,823 |
| Noninterest expense to average assets | 2.0536% | 7,014 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.2522% | 1,423 |
| Return on assets (ROA) | 1.2522% | 1,486 |
| Pretax return on assets | 1.6279% | 1,218 |
| Return on Equity (ROE) | 11.5536% | 1,578 |
| Retained earnings to average equity (ytd only) | 11.5536% | 557 |
| Net charge-offs to loans | 0.0288% | 5,934 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 162.5000% | 218 |
| Efficiency ratio | 55.7823% | 6,664 |
| Assets per employee ($millions) | 4.0124% | 3,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1092% | 1,949 |
| Loan loss allowance to noncurrent loans | 91.3947% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.8399% | 5,435 |
| Noncurrent loans to loans | 2.3077% | 3,363 |
| Net loans and leases to total assets | 35.6271% | 7,365 |
| Net loans and leases to deposits | 41.0446% | 7,417 |
| Net loans and leases to core deposits | 57.5182% | 6,858 |
| Total domestic deposits to total assets | 86.8009% | 2,646 |
| Equity capital to assets | 11.2177% | 2,674 |
| Core capital (leverage) ratio | 9.8921% | 3,290 |
| Tier 1 risk-based capital ratio | 18.5127% | 1,827 |
| Total risk-based capital ratio | 19.7629% | 1,797 |
| Memoranda: | ||
| Average total assets | $39,929,330 | 7,003 |
| Average earning assets | $36,909,000 | 6,971 |
| Average equity | $4,327,670 | 7,003 |
| Average total loans | $13,899,670 | 7,360 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7869% | 5,935 |
| Cost of funding earning assets | 1.0771% | 6,010 |
| Net interest margin | 3.7098% | 4,192 |
| Noninterest income to average assets | 0.2711% | 5,990 |
| Noninterest expense to average assets | 2.0386% | 7,088 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2653% | 1,373 |
| Return on assets (ROA) | 1.2653% | 1,446 |
| Pretax return on assets | 1.6570% | 1,146 |
| Return on Equity (ROE) | 11.8840% | 1,529 |
| Retained earnings to average equity (ytd only) | 11.8840% | 764 |
| Net charge-offs to loans | 0.0295% | 5,157 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 165.0000% | 202 |
| Efficiency ratio | 55.1630% | 6,867 |
| Assets per employee ($millions) | 4.0488% | 3,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1947% | 1,767 |
| Loan loss allowance to noncurrent loans | 163.8298% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.4643% | 6,308 |
| Noncurrent loans to loans | 1.3396% | 4,742 |
| Net loans and leases to total assets | 33.9014% | 7,497 |
| Net loans and leases to deposits | 38.5464% | 7,563 |
| Net loans and leases to core deposits | 53.5335% | 7,132 |
| Total domestic deposits to total assets | 87.9495% | 2,094 |
| Equity capital to assets | 10.6921% | 3,050 |
| Core capital (leverage) ratio | 9.5664% | 3,681 |
| Tier 1 risk-based capital ratio | 18.2194% | 1,895 |
| Total risk-based capital ratio | 19.4704% | 1,866 |
| Memoranda: | ||
| Average total assets | $39,832,000 | 7,092 |
| Average earning assets | $36,767,000 | 7,064 |
| Average equity | $4,241,000 | 7,102 |
| Average total loans | $13,548,000 | 7,465 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1140% | 6,030 |
| Cost of funding earning assets | 1.4310% | 5,802 |
| Net interest margin | 3.6830% | 4,207 |
| Noninterest income to average assets | 0.3510% | 5,585 |
| Noninterest expense to average assets | 2.1003% | 7,188 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.2214% | 1,193 |
| Return on assets (ROA) | 1.3093% | 1,059 |
| Pretax return on assets | 1.7602% | 690 |
| Return on Equity (ROE) | 12.0347% | 1,157 |
| Retained earnings to average equity (ytd only) | 4.5906% | 2,043 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1328% | 7,001 |
| Assets per employee ($millions) | 3.9176% | 3,981 |
| Cash dividends to net income (ytd only)* | 61.8557% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3733% | 1,381 |
| Loan loss allowance to noncurrent loans | 93.6556% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.8449% | 5,413 |
| Noncurrent loans to loans | 2.5341% | 3,019 |
| Net loans and leases to total assets | 32.5505% | 7,644 |
| Net loans and leases to deposits | 36.9580% | 7,705 |
| Net loans and leases to core deposits | 67.8587% | 6,884 |
| Total domestic deposits to total assets | 88.0743% | 1,940 |
| Equity capital to assets | 10.6009% | 3,065 |
| Core capital (leverage) ratio | 9.5040% | 3,713 |
| Tier 1 risk-based capital ratio | 18.2491% | 1,828 |
| Total risk-based capital ratio | 19.5004% | 1,779 |
| Memoranda: | ||
| Average total assets | $37,041,800 | 7,209 |
| Average earning assets | $34,102,200 | 7,180 |
| Average equity | $4,030,000 | 7,280 |
| Average total loans | $13,738,800 | 7,510 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1931% | 5,905 |
| Cost of funding earning assets | 1.5206% | 5,746 |
| Net interest margin | 3.6724% | 4,191 |
| Noninterest income to average assets | 0.3506% | 5,688 |
| Noninterest expense to average assets | 2.1036% | 7,188 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.1958% | 1,477 |
| Return on assets (ROA) | 1.3147% | 1,259 |
| Pretax return on assets | 1.7859% | 825 |
| Return on Equity (ROE) | 12.0020% | 1,348 |
| Retained earnings to average equity (ytd only) | 12.0020% | 344 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4153% | 6,944 |
| Assets per employee ($millions) | 3.8485% | 4,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1598% | 1,491 |
| Loan loss allowance to noncurrent loans | 107.6389% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.7483% | 5,632 |
| Noncurrent loans to loans | 2.0065% | 3,634 |
| Net loans and leases to total assets | 36.4895% | 7,603 |
| Net loans and leases to deposits | 41.8519% | 7,679 |
| Net loans and leases to core deposits | 78.8977% | 6,428 |
| Total domestic deposits to total assets | 87.1872% | 2,083 |
| Equity capital to assets | 11.3135% | 2,736 |
| Core capital (leverage) ratio | 10.3599% | 2,914 |
| Tier 1 risk-based capital ratio | 19.5232% | 1,642 |
| Total risk-based capital ratio | 20.7773% | 1,600 |
| Memoranda: | ||
| Average total assets | $36,508,250 | 7,291 |
| Average earning assets | $33,582,500 | 7,268 |
| Average equity | $3,999,250 | 7,357 |
| Average total loans | $13,908,000 | 7,572 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2844% | 5,728 |
| Cost of funding earning assets | 1.6400% | 5,559 |
| Net interest margin | 3.6444% | 4,197 |
| Noninterest income to average assets | 0.3403% | 5,784 |
| Noninterest expense to average assets | 2.1200% | 7,237 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1827% | 1,528 |
| Return on assets (ROA) | 1.1995% | 1,561 |
| Pretax return on assets | 1.5900% | 1,228 |
| Return on Equity (ROE) | 11.0796% | 1,683 |
| Retained earnings to average equity (ytd only) | 11.0796% | 552 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4887% | 6,945 |
| Assets per employee ($millions) | 3.7455% | 4,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1721% | 1,284 |
| Loan loss allowance to noncurrent loans | 208.0537% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.3978% | 6,468 |
| Noncurrent loans to loans | 1.0440% | 5,129 |
| Net loans and leases to total assets | 37.2767% | 7,667 |
| Net loans and leases to deposits | 42.2476% | 7,749 |
| Net loans and leases to core deposits | 79.2845% | 6,468 |
| Total domestic deposits to total assets | 88.2339% | 1,655 |
| Equity capital to assets | 10.6928% | 3,211 |
| Core capital (leverage) ratio | 10.3928% | 2,910 |
| Tier 1 risk-based capital ratio | 18.9763% | 1,788 |
| Total risk-based capital ratio | 20.2321% | 1,736 |
| Memoranda: | ||
| Average total assets | $35,849,330 | 7,378 |
| Average earning assets | $32,927,000 | 7,363 |
| Average equity | $3,881,000 | 7,455 |
| Average total loans | $13,759,670 | 7,665 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4295% | 5,273 |
| Cost of funding earning assets | 1.8555% | 4,850 |
| Net interest margin | 3.5740% | 4,435 |
| Noninterest income to average assets | 0.3538% | 5,612 |
| Noninterest expense to average assets | 2.0544% | 7,227 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1925% | 1,677 |
| Return on assets (ROA) | 1.2098% | 1,743 |
| Pretax return on assets | 1.5979% | 1,413 |
| Return on Equity (ROE) | 11.1024% | 1,938 |
| Retained earnings to average equity (ytd only) | 11.1024% | 948 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6038% | 6,880 |
| Assets per employee ($millions) | 3.5728% | 4,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2949% | 954 |
| Loan loss allowance to noncurrent loans | 229.6296% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.3779% | 6,371 |
| Noncurrent loans to loans | 0.9994% | 4,997 |
| Net loans and leases to total assets | 36.9402% | 7,696 |
| Net loans and leases to deposits | 42.0252% | 7,782 |
| Net loans and leases to core deposits | 74.4430% | 6,781 |
| Total domestic deposits to total assets | 87.9002% | 1,788 |
| Equity capital to assets | 10.9466% | 3,013 |
| Core capital (leverage) ratio | 10.1832% | 3,210 |
| Tier 1 risk-based capital ratio | 19.1104% | 1,789 |
| Total risk-based capital ratio | 20.3656% | 1,752 |
| Memoranda: | ||
| Average total assets | $35,046,500 | 7,445 |
| Average earning assets | $32,121,000 | 7,434 |
| Average equity | $3,819,000 | 7,513 |
| Average total loans | $13,503,500 | 7,724 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8273% | 6,344 |
| Cost of funding earning assets | 2.5790% | 3,802 |
| Net interest margin | 3.2483% | 6,218 |
| Noninterest income to average assets | 0.3553% | 5,888 |
| Noninterest expense to average assets | 2.1027% | 7,233 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.9739% | 2,673 |
| Return on assets (ROA) | 0.9994% | 2,441 |
| Pretax return on assets | 1.2420% | 2,507 |
| Return on Equity (ROE) | 9.3473% | 2,497 |
| Retained earnings to average equity (ytd only) | 1.2427% | 4,476 |
| Net charge-offs to loans | -0.0071% | 7,815 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4699% | 5,675 |
| Assets per employee ($millions) | 3.4365% | 4,837 |
| Cash dividends to net income (ytd only)* | 86.7052% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2965% | 856 |
| Loan loss allowance to noncurrent loans | 238.4615% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.3783% | 6,103 |
| Noncurrent loans to loans | 0.9630% | 4,677 |
| Net loans and leases to total assets | 38.3792% | 7,752 |
| Net loans and leases to deposits | 47.1912% | 7,748 |
| Net loans and leases to core deposits | 73.0328% | 7,020 |
| Total domestic deposits to total assets | 81.3269% | 4,494 |
| Equity capital to assets | 10.8453% | 3,166 |
| Core capital (leverage) ratio | 10.6705% | 2,846 |
| Tier 1 risk-based capital ratio | 18.6897% | 1,869 |
| Total risk-based capital ratio | 19.9433% | 1,822 |
| Memoranda: | ||
| Average total assets | $34,622,000 | 7,438 |
| Average earning assets | $31,524,000 | 7,435 |
| Average equity | $3,701,600 | 7,606 |
| Average total loans | $14,177,400 | 7,694 |