Home > Grant County State Bank > Performance and Condition Ratios
Grant County State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0633% | 1,100 |
| Cost of funding earning assets | 1.3590% | 3,482 |
| Net interest margin | 4.7043% | 459 |
| Noninterest income to average assets | 0.0700% | 4,241 |
| Noninterest expense to average assets | 2.4046% | 2,573 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.9936% | 464 |
| Return on assets (ROA) | 1.9936% | 463 |
| Pretax return on assets | 1.9936% | 707 |
| Return on Equity (ROE) | 14.2800% | 1,206 |
| Retained earnings to average equity (ytd only) | 14.2790% | 502 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 54.6720% | 3,535 |
| Assets per employee ($millions) | 6.6636% | 2,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0311% | 3,067 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 46.5100% | 3,740 |
| Net loans and leases to deposits | 54.0892% | 3,731 |
| Net loans and leases to core deposits | 56.1079% | 3,824 |
| Total domestic deposits to total assets | 85.9800% | 2,310 |
| Equity capital to assets | 13.9372% | 710 |
| Core capital (leverage) ratio | 14.5518% | 672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $45,746,000 | 4,244 |
| Average earning assets | $42,089,500 | 4,221 |
| Average equity | $6,387,000 | 4,130 |
| Average total loans | $24,865,500 | 4,150 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5347% | 233 |
| Cost of funding earning assets | 1.6214% | 3,133 |
| Net interest margin | 5.9133% | 122 |
| Noninterest income to average assets | 0.1600% | 3,940 |
| Noninterest expense to average assets | 2.5717% | 2,100 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 3.1618% | 126 |
| Return on assets (ROA) | 3.1618% | 128 |
| Pretax return on assets | 3.1618% | 166 |
| Return on Equity (ROE) | 21.4000% | 323 |
| Retained earnings to average equity (ytd only) | 0.8082% | 3,725 |
| Net charge-offs to loans | -0.0176% | 4,145 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 44.8538% | 4,206 |
| Assets per employee ($millions) | 6.4067% | 2,572 |
| Cash dividends to net income (ytd only)* | 96.2237% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8126% | 3,843 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 61.5100% | 2,801 |
| Net loans and leases to deposits | 71.5943% | 2,819 |
| Net loans and leases to core deposits | 74.3558% | 3,133 |
| Total domestic deposits to total assets | 85.9200% | 2,242 |
| Equity capital to assets | 13.9876% | 681 |
| Core capital (leverage) ratio | 14.4443% | 681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $43,551,400 | 4,277 |
| Average earning assets | $41,076,800 | 4,246 |
| Average equity | $6,434,400 | 4,111 |
| Average total loans | $28,481,600 | 4,123 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6282% | 215 |
| Cost of funding earning assets | 1.6620% | 3,030 |
| Net interest margin | 5.9662% | 114 |
| Noninterest income to average assets | 0.1000% | 4,224 |
| Noninterest expense to average assets | 2.3318% | 2,704 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 3.4391% | 112 |
| Return on assets (ROA) | 3.4391% | 115 |
| Pretax return on assets | 3.4391% | 149 |
| Return on Equity (ROE) | 22.9600% | 269 |
| Retained earnings to average equity (ytd only) | 8.0310% | 1,380 |
| Net charge-offs to loans | -0.0233% | 4,190 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 40.4062% | 4,328 |
| Assets per employee ($millions) | 6.0337% | 2,843 |
| Cash dividends to net income (ytd only)* | 65.0224% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7311% | 4,042 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 72.6500% | 1,523 |
| Net loans and leases to deposits | 86.2451% | 1,611 |
| Net loans and leases to core deposits | 89.8276% | 2,158 |
| Total domestic deposits to total assets | 84.2400% | 2,532 |
| Equity capital to assets | 15.6525% | 519 |
| Core capital (leverage) ratio | 16.1670% | 485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $43,227,500 | 4,305 |
| Average earning assets | $41,074,500 | 4,275 |
| Average equity | $6,474,750 | 4,127 |
| Average total loans | $28,649,000 | 4,136 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5712% | 221 |
| Cost of funding earning assets | 1.6388% | 2,995 |
| Net interest margin | 5.9323% | 121 |
| Noninterest income to average assets | 0.1000% | 4,231 |
| Noninterest expense to average assets | 2.2361% | 2,983 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 3.5493% | 111 |
| Return on assets (ROA) | 3.5493% | 113 |
| Pretax return on assets | 3.5493% | 141 |
| Return on Equity (ROE) | 24.0500% | 254 |
| Retained earnings to average equity (ytd only) | 13.9361% | 362 |
| Net charge-offs to loans | -0.0358% | 4,271 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 38.6508% | 4,377 |
| Assets per employee ($millions) | 6.0527% | 2,756 |
| Cash dividends to net income (ytd only)* | 42.0440% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7607% | 4,019 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 69.5900% | 1,947 |
| Net loans and leases to deposits | 82.6860% | 1,955 |
| Net loans and leases to core deposits | 85.3426% | 2,440 |
| Total domestic deposits to total assets | 84.1600% | 2,574 |
| Equity capital to assets | 15.7403% | 500 |
| Core capital (leverage) ratio | 15.2035% | 595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $43,558,000 | 4,325 |
| Average earning assets | $41,737,333 | 4,290 |
| Average equity | $6,429,333 | 4,132 |
| Average total loans | $27,894,667 | 4,164 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3349% | 249 |
| Cost of funding earning assets | 1.5900% | 3,005 |
| Net interest margin | 5.7449% | 149 |
| Noninterest income to average assets | 0.0700% | 4,325 |
| Noninterest expense to average assets | 2.1562% | 3,180 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 3.4154% | 125 |
| Return on assets (ROA) | 3.4154% | 125 |
| Pretax return on assets | 3.4154% | 157 |
| Return on Equity (ROE) | 23.9000% | 271 |
| Retained earnings to average equity (ytd only) | 11.2212% | 879 |
| Net charge-offs to loans | -0.0741% | 4,407 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 38.6992% | 4,374 |
| Assets per employee ($millions) | 6.3860% | 2,541 |
| Cash dividends to net income (ytd only)* | 53.0504% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8514% | 3,831 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 58.8700% | 2,976 |
| Net loans and leases to deposits | 68.7783% | 2,989 |
| Net loans and leases to core deposits | 70.8177% | 3,284 |
| Total domestic deposits to total assets | 85.6000% | 2,225 |
| Equity capital to assets | 14.3126% | 629 |
| Core capital (leverage) ratio | 14.5010% | 685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $44,152,500 | 4,348 |
| Average earning assets | $42,263,500 | 4,312 |
| Average equity | $6,309,500 | 4,170 |
| Average total loans | $26,986,500 | 4,196 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1334% | 180 |
| Cost of funding earning assets | 1.1037% | 2,729 |
| Net interest margin | 6.0297% | 106 |
| Noninterest income to average assets | 0.1100% | 4,262 |
| Noninterest expense to average assets | 2.3448% | 2,665 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 3.4727% | 135 |
| Return on assets (ROA) | 3.4727% | 134 |
| Pretax return on assets | 3.4727% | 163 |
| Return on Equity (ROE) | 25.8900% | 357 |
| Retained earnings to average equity (ytd only) | 15.6086% | 499 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 40.3056% | 4,350 |
| Assets per employee ($millions) | 5.8240% | 2,904 |
| Cash dividends to net income (ytd only)* | 39.7176% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7443% | 4,079 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 71.9600% | 1,578 |
| Net loans and leases to deposits | 84.7445% | 1,670 |
| Net loans and leases to core deposits | 88.1437% | 2,042 |
| Total domestic deposits to total assets | 84.9100% | 2,525 |
| Equity capital to assets | 15.0265% | 537 |
| Core capital (leverage) ratio | 15.0342% | 616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $43,499,750 | 4,384 |
| Average earning assets | $41,194,750 | 4,354 |
| Average equity | $5,834,250 | 4,184 |
| Average total loans | $27,997,250 | 4,186 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9065% | 185 |
| Cost of funding earning assets | 1.0166% | 2,543 |
| Net interest margin | 5.8898% | 116 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 2.3103% | 2,771 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 3.3686% | 126 |
| Return on assets (ROA) | 3.3686% | 126 |
| Pretax return on assets | 3.3686% | 160 |
| Return on Equity (ROE) | 26.0800% | 329 |
| Retained earnings to average equity (ytd only) | 20.8471% | 220 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 40.6820% | 4,373 |
| Assets per employee ($millions) | 7.0762% | 1,870 |
| Cash dividends to net income (ytd only)* | 20.0535% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7598% | 4,085 |
| 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 | 67.6800% | 1,989 |
| Net loans and leases to deposits | 78.9504% | 2,050 |
| Net loans and leases to core deposits | 81.3603% | 2,382 |
| Total domestic deposits to total assets | 85.7200% | 2,325 |
| Equity capital to assets | 14.2285% | 617 |
| Core capital (leverage) ratio | 13.8957% | 794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $44,410,333 | 4,399 |
| Average earning assets | $41,902,667 | 4,372 |
| Average equity | $5,737,000 | 4,226 |
| Average total loans | $27,477,667 | 4,205 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5382% | 173 |
| Cost of funding earning assets | 0.9219% | 2,304 |
| Net interest margin | 5.6162% | 130 |
| Noninterest income to average assets | 0.0900% | 4,407 |
| Noninterest expense to average assets | 2.4060% | 2,513 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.9436% | 161 |
| Return on assets (ROA) | 2.9436% | 160 |
| Pretax return on assets | 2.9436% | 210 |
| Return on Equity (ROE) | 23.9200% | 458 |
| Retained earnings to average equity (ytd only) | 20.3402% | 355 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 44.9753% | 4,271 |
| Assets per employee ($millions) | 7.6032% | 1,557 |
| Cash dividends to net income (ytd only)* | 14.9701% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8687% | 3,934 |
| 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 | 55.0300% | 3,117 |
| Net loans and leases to deposits | 62.9599% | 3,170 |
| Net loans and leases to core deposits | 64.8984% | 3,289 |
| Total domestic deposits to total assets | 87.4000% | 2,133 |
| Equity capital to assets | 12.5540% | 856 |
| Core capital (leverage) ratio | 12.9427% | 1,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $45,387,000 | 4,455 |
| Average earning assets | $42,519,500 | 4,431 |
| Average equity | $5,585,000 | 4,292 |
| Average total loans | $26,739,500 | 4,273 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2419% | 1,172 |
| Cost of funding earning assets | 0.3140% | 2,764 |
| Net interest margin | 3.9279% | 895 |
| Noninterest income to average assets | 0.1000% | 4,426 |
| Noninterest expense to average assets | 2.1044% | 3,281 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.6808% | 556 |
| Return on assets (ROA) | 1.6808% | 531 |
| Pretax return on assets | 1.6808% | 968 |
| Return on Equity (ROE) | 14.5700% | 1,374 |
| Retained earnings to average equity (ytd only) | 12.6095% | 568 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 55.5955% | 3,619 |
| Assets per employee ($millions) | 7.5258% | 1,601 |
| Cash dividends to net income (ytd only)* | 13.4771% | 3,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7814% | 4,073 |
| 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 | 61.8600% | 2,454 |
| Net loans and leases to deposits | 70.3635% | 2,552 |
| Net loans and leases to core deposits | 72.5377% | 2,682 |
| Total domestic deposits to total assets | 87.9200% | 2,094 |
| Equity capital to assets | 12.0540% | 914 |
| Core capital (leverage) ratio | 12.6570% | 1,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $44,144,600 | 4,493 |
| Average earning assets | $41,396,200 | 4,466 |
| Average equity | $5,091,400 | 4,419 |
| Average total loans | $25,736,200 | 4,311 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6353% | 2,243 |
| Cost of funding earning assets | 0.1842% | 3,464 |
| Net interest margin | 3.4511% | 1,804 |
| Noninterest income to average assets | 0.1000% | 4,457 |
| Noninterest expense to average assets | 1.8287% | 3,925 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5128% | 827 |
| Return on assets (ROA) | 1.5128% | 806 |
| Pretax return on assets | 1.5128% | 1,382 |
| Return on Equity (ROE) | 13.2700% | 1,623 |
| Retained earnings to average equity (ytd only) | 13.2704% | 573 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 54.7273% | 3,752 |
| Assets per employee ($millions) | 6.9900% | 1,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7672% | 4,148 |
| 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 | 67.8400% | 1,694 |
| Net loans and leases to deposits | 77.6668% | 1,747 |
| Net loans and leases to core deposits | 80.2697% | 1,879 |
| Total domestic deposits to total assets | 87.3500% | 2,644 |
| Equity capital to assets | 12.6323% | 744 |
| Core capital (leverage) ratio | 12.3241% | 1,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $43,892,000 | 4,531 |
| Average earning assets | $41,261,500 | 4,500 |
| Average equity | $5,003,500 | 4,470 |
| Average total loans | $25,131,500 | 4,354 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9360% | 3,705 |
| Cost of funding earning assets | 0.1665% | 3,362 |
| Net interest margin | 2.7694% | 3,528 |
| Noninterest income to average assets | 0.0943% | 4,514 |
| Noninterest expense to average assets | 1.7377% | 4,078 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9699% | 2,265 |
| Return on assets (ROA) | 0.9699% | 2,241 |
| Pretax return on assets | 0.9699% | 2,828 |
| Return on Equity (ROE) | 8.8067% | 2,754 |
| Retained earnings to average equity (ytd only) | 8.8067% | 1,344 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1791% | 2,747 |
| Assets per employee ($millions) | 7.6000% | 1,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8576% | 4,072 |
| 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 | 55.7719% | 2,781 |
| Net loans and leases to deposits | 62.6759% | 2,837 |
| Net loans and leases to core deposits | 64.5646% | 2,923 |
| Total domestic deposits to total assets | 88.9846% | 2,192 |
| Equity capital to assets | 11.0022% | 1,210 |
| Core capital (leverage) ratio | 11.0560% | 1,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,542,667 | 4,572 |
| Average earning assets | $42,030,667 | 4,551 |
| Average equity | $4,905,333 | 4,527 |
| Average total loans | $23,950,667 | 4,432 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5423% | 4,212 |
| Cost of funding earning assets | 0.1740% | 3,171 |
| Net interest margin | 2.3683% | 4,129 |
| Noninterest income to average assets | 0.0818% | 4,569 |
| Noninterest expense to average assets | 1.4268% | 4,506 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8815% | 2,356 |
| Return on assets (ROA) | 0.8815% | 2,355 |
| Pretax return on assets | 0.8815% | 2,849 |
| Return on Equity (ROE) | 8.0008% | 2,691 |
| Retained earnings to average equity (ytd only) | 8.0008% | 1,583 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8110% | 3,287 |
| Assets per employee ($millions) | 7.4513% | 1,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9786% | 3,805 |
| 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 | 49.7897% | 3,197 |
| Net loans and leases to deposits | 55.9240% | 3,273 |
| Net loans and leases to core deposits | 57.6415% | 3,328 |
| Total domestic deposits to total assets | 89.0310% | 2,071 |
| Equity capital to assets | 10.9555% | 1,346 |
| Core capital (leverage) ratio | 10.9413% | 1,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,014,000 | 4,596 |
| Average earning assets | $41,380,000 | 4,578 |
| Average equity | $4,849,500 | 4,575 |
| Average total loans | $23,100,000 | 4,463 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5275% | 2,582 |
| Cost of funding earning assets | 0.2678% | 2,725 |
| Net interest margin | 3.2597% | 2,435 |
| Noninterest income to average assets | 0.0913% | 4,638 |
| Noninterest expense to average assets | 2.3422% | 2,680 |
| Loan and lease loss provision to assets | 0.0577% | 1,905 |
| Net operating income to assets | 0.7615% | 3,452 |
| Return on assets (ROA) | 0.7615% | 3,520 |
| Pretax return on assets | 0.7615% | 3,812 |
| Return on Equity (ROE) | 6.7484% | 3,589 |
| Retained earnings to average equity (ytd only) | 6.7484% | 2,022 |
| Net charge-offs to loans | 0.1079% | 816 |
| Credit loss provision to net charge-offs | 88.8889% | 1,888 |
| Earnings coverage of net charge-offs (x) | 12.6296% | 2,109 |
| Efficiency ratio | 74.0881% | 1,291 |
| Assets per employee ($millions) | 7.2200% | 1,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9275% | 3,997 |
| 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 | 54.2475% | 2,816 |
| Net loans and leases to deposits | 61.0215% | 2,986 |
| Net loans and leases to core deposits | 62.9571% | 3,077 |
| Total domestic deposits to total assets | 88.8989% | 1,570 |
| Equity capital to assets | 11.0826% | 1,747 |
| Core capital (leverage) ratio | 11.3738% | 1,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,627,800 | 4,644 |
| Average earning assets | $39,206,200 | 4,627 |
| Average equity | $4,697,400 | 4,654 |
| Average total loans | $25,019,800 | 4,474 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6553% | 2,397 |
| Cost of funding earning assets | 0.2778% | 2,825 |
| Net interest margin | 3.3776% | 2,215 |
| Noninterest income to average assets | 0.0971% | 4,680 |
| Noninterest expense to average assets | 2.0968% | 3,375 |
| Loan and lease loss provision to assets | 0.0582% | 1,823 |
| Net operating income to assets | 1.1293% | 2,438 |
| Return on assets (ROA) | 1.1293% | 2,500 |
| Pretax return on assets | 1.1293% | 3,136 |
| Return on Equity (ROE) | 9.9609% | 2,746 |
| Retained earnings to average equity (ytd only) | 9.9609% | 1,325 |
| Net charge-offs to loans | 0.1420% | 579 |
| Credit loss provision to net charge-offs | 66.6667% | 1,776 |
| Earnings coverage of net charge-offs (x) | 13.5926% | 1,917 |
| Efficiency ratio | 63.8424% | 2,409 |
| Assets per employee ($millions) | 6.7802% | 2,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8014% | 4,347 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 65.1115% | 1,642 |
| Net loans and leases to deposits | 73.9104% | 1,864 |
| Net loans and leases to core deposits | 75.8860% | 2,063 |
| Total domestic deposits to total assets | 88.0952% | 1,784 |
| Equity capital to assets | 11.8802% | 1,455 |
| Core capital (leverage) ratio | 11.5039% | 1,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,204,750 | 4,716 |
| Average earning assets | $38,882,750 | 4,695 |
| Average equity | $4,671,500 | 4,724 |
| Average total loans | $25,344,750 | 4,526 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8396% | 1,970 |
| Cost of funding earning assets | 0.2871% | 2,898 |
| Net interest margin | 3.5525% | 1,703 |
| Noninterest income to average assets | 0.0822% | 4,751 |
| Noninterest expense to average assets | 2.0735% | 3,471 |
| Loan and lease loss provision to assets | 0.0580% | 1,871 |
| Net operating income to assets | 1.3002% | 1,870 |
| Return on assets (ROA) | 1.3002% | 1,939 |
| Pretax return on assets | 1.3002% | 2,627 |
| Return on Equity (ROE) | 11.6509% | 2,182 |
| Retained earnings to average equity (ytd only) | 11.6509% | 989 |
| Net charge-offs to loans | 0.2169% | 401 |
| Credit loss provision to net charge-offs | 44.4444% | 1,633 |
| Earnings coverage of net charge-offs (x) | 10.4074% | 1,799 |
| Efficiency ratio | 60.4225% | 2,955 |
| Assets per employee ($millions) | 6.9048% | 1,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8080% | 4,354 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 61.6332% | 2,219 |
| Net loans and leases to deposits | 69.6375% | 2,450 |
| Net loans and leases to core deposits | 70.9573% | 2,692 |
| Total domestic deposits to total assets | 88.5056% | 1,559 |
| Equity capital to assets | 11.4726% | 1,650 |
| Core capital (leverage) ratio | 11.1168% | 1,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,379,333 | 4,750 |
| Average earning assets | $39,014,333 | 4,722 |
| Average equity | $4,617,667 | 4,759 |
| Average total loans | $24,892,333 | 4,571 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9118% | 1,802 |
| Cost of funding earning assets | 0.3096% | 2,890 |
| Net interest margin | 3.6022% | 1,577 |
| Noninterest income to average assets | 0.0774% | 4,775 |
| Noninterest expense to average assets | 2.1183% | 3,366 |
| Loan and lease loss provision to assets | 0.0580% | 1,960 |
| Net operating income to assets | 1.2768% | 1,899 |
| Return on assets (ROA) | 1.2768% | 1,976 |
| Pretax return on assets | 1.2768% | 2,635 |
| Return on Equity (ROE) | 11.6044% | 2,155 |
| Retained earnings to average equity (ytd only) | 11.6044% | 1,247 |
| Net charge-offs to loans | 0.4251% | 193 |
| Credit loss provision to net charge-offs | 23.0769% | 1,410 |
| Earnings coverage of net charge-offs (x) | 5.3077% | 1,686 |
| Efficiency ratio | 61.3445% | 2,857 |
| Assets per employee ($millions) | 7.2513% | 1,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8508% | 4,292 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 54.3739% | 3,202 |
| Net loans and leases to deposits | 60.8431% | 3,425 |
| Net loans and leases to core deposits | 61.9277% | 3,574 |
| Total domestic deposits to total assets | 89.3675% | 1,141 |
| Equity capital to assets | 10.6095% | 2,159 |
| Core capital (leverage) ratio | 11.2058% | 1,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,354,500 | 4,770 |
| Average earning assets | $38,754,500 | 4,744 |
| Average equity | $4,550,000 | 4,788 |
| Average total loans | $24,467,500 | 4,605 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1792% | 2,202 |
| Cost of funding earning assets | 0.4947% | 2,982 |
| Net interest margin | 3.6844% | 1,856 |
| Noninterest income to average assets | 0.1129% | 4,702 |
| Noninterest expense to average assets | 2.9456% | 1,556 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.6101% | 3,718 |
| Return on assets (ROA) | 0.6101% | 3,837 |
| Pretax return on assets | 0.6101% | 4,055 |
| Return on Equity (ROE) | 5.0988% | 3,878 |
| Retained earnings to average equity (ytd only) | 2.8527% | 3,448 |
| Net charge-offs to loans | 0.2430% | 711 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 3.5469% | 3,077 |
| Efficiency ratio | 82.8420% | 702 |
| Assets per employee ($millions) | 5.6001% | 2,742 |
| Cash dividends to net income (ytd only)* | 44.0529% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8893% | 4,213 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 63.3963% | 2,442 |
| Net loans and leases to deposits | 71.6113% | 2,723 |
| Net loans and leases to core deposits | 73.0447% | 2,997 |
| Total domestic deposits to total assets | 88.5284% | 1,207 |
| Equity capital to assets | 11.4385% | 1,929 |
| Core capital (leverage) ratio | 11.3030% | 1,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $37,208,000 | 4,804 |
| Average earning assets | $34,767,800 | 4,782 |
| Average equity | $4,452,000 | 4,806 |
| Average total loans | $26,342,000 | 4,595 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3370% | 2,001 |
| Cost of funding earning assets | 0.5256% | 3,076 |
| Net interest margin | 3.8115% | 1,589 |
| Noninterest income to average assets | 0.1162% | 4,695 |
| Noninterest expense to average assets | 2.5497% | 2,693 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.1223% | 1,910 |
| Return on assets (ROA) | 1.1223% | 2,027 |
| Pretax return on assets | 1.1223% | 2,674 |
| Return on Equity (ROE) | 9.2707% | 2,297 |
| Retained earnings to average equity (ytd only) | 6.2705% | 1,987 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4362% | 1,972 |
| Assets per employee ($millions) | 5.2120% | 3,004 |
| Cash dividends to net income (ytd only)* | 32.3625% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0279% | 3,575 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 75.7455% | 1,131 |
| Net loans and leases to deposits | 86.6219% | 1,631 |
| Net loans and leases to core deposits | 88.5085% | 2,103 |
| Total domestic deposits to total assets | 87.4438% | 1,476 |
| Equity capital to assets | 12.5151% | 1,419 |
| Core capital (leverage) ratio | 12.2739% | 1,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $36,709,750 | 4,836 |
| Average earning assets | $34,246,750 | 4,819 |
| Average equity | $4,444,000 | 4,833 |
| Average total loans | $26,658,750 | 4,612 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4200% | 2,158 |
| Cost of funding earning assets | 0.5569% | 3,197 |
| Net interest margin | 3.8631% | 1,659 |
| Noninterest income to average assets | 0.1196% | 4,701 |
| Noninterest expense to average assets | 2.5500% | 2,826 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1526% | 1,786 |
| Return on assets (ROA) | 1.1526% | 1,921 |
| Pretax return on assets | 1.1526% | 2,536 |
| Return on Equity (ROE) | 9.6291% | 2,102 |
| Retained earnings to average equity (ytd only) | 5.0871% | 2,433 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8693% | 2,110 |
| Assets per employee ($millions) | 5.3077% | 2,827 |
| Cash dividends to net income (ytd only)* | 47.1698% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0541% | 3,304 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 72.5090% | 1,625 |
| Net loans and leases to deposits | 82.4635% | 2,155 |
| Net loans and leases to core deposits | 84.2138% | 2,591 |
| Total domestic deposits to total assets | 87.9286% | 1,218 |
| Equity capital to assets | 12.0283% | 1,637 |
| Core capital (leverage) ratio | 12.2301% | 1,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $36,785,000 | 4,855 |
| Average earning assets | $34,117,333 | 4,837 |
| Average equity | $4,403,333 | 4,862 |
| Average total loans | $26,237,667 | 4,641 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7477% | 1,562 |
| Cost of funding earning assets | 0.6198% | 3,332 |
| Net interest margin | 4.1279% | 1,080 |
| Noninterest income to average assets | 0.1202% | 4,754 |
| Noninterest expense to average assets | 2.5901% | 3,006 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3880% | 1,018 |
| Return on assets (ROA) | 1.3880% | 1,093 |
| Pretax return on assets | 1.3880% | 1,600 |
| Return on Equity (ROE) | 11.6234% | 1,222 |
| Retained earnings to average equity (ytd only) | 2.4711% | 3,279 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1099% | 3,073 |
| Assets per employee ($millions) | 5.1836% | 2,447 |
| Cash dividends to net income (ytd only)* | 78.7402% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1181% | 3,095 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 69.9490% | 2,259 |
| Net loans and leases to deposits | 79.6067% | 2,720 |
| Net loans and leases to core deposits | 81.3337% | 3,082 |
| Total domestic deposits to total assets | 87.8683% | 1,160 |
| Equity capital to assets | 12.0821% | 2,007 |
| Core capital (leverage) ratio | 12.1842% | 1,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $36,600,500 | 4,898 |
| Average earning assets | $34,206,000 | 4,875 |
| Average equity | $4,370,500 | 4,905 |
| Average total loans | $25,743,000 | 4,676 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5166% | 548 |
| Cost of funding earning assets | 0.6523% | 3,403 |
| Net interest margin | 4.8643% | 354 |
| Noninterest income to average assets | 0.1392% | 4,778 |
| Noninterest expense to average assets | 2.8394% | 2,478 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.8456% | 484 |
| Return on assets (ROA) | 1.8456% | 507 |
| Pretax return on assets | 1.8456% | 844 |
| Return on Equity (ROE) | 15.1654% | 659 |
| Retained earnings to average equity (ytd only) | 3.7284% | 3,123 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6061% | 3,604 |
| Assets per employee ($millions) | 5.2737% | 2,268 |
| Cash dividends to net income (ytd only)* | 75.4148% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1116% | 2,882 |
| 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 | 69.1597% | 2,521 |
| Net loans and leases to deposits | 78.4579% | 2,959 |
| Net loans and leases to core deposits | 80.1199% | 3,284 |
| Total domestic deposits to total assets | 88.1488% | 1,063 |
| Equity capital to assets | 11.8025% | 2,279 |
| Core capital (leverage) ratio | 12.3926% | 1,542 |
| Tier 1 risk-based capital ratio | 17.7569% | 1,822 |
| Total risk-based capital ratio | 18.9265% | 1,799 |
| Memoranda: | ||
| Average total assets | $35,923,400 | 4,957 |
| Average earning assets | $33,571,400 | 4,938 |
| Average equity | $4,371,800 | 4,955 |
| Average total loans | $26,258,400 | 4,725 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6032% | 492 |
| Cost of funding earning assets | 0.6615% | 3,391 |
| Net interest margin | 4.9416% | 322 |
| Noninterest income to average assets | 0.1420% | 4,827 |
| Noninterest expense to average assets | 2.4704% | 3,513 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.3059% | 221 |
| Return on assets (ROA) | 2.3059% | 229 |
| Pretax return on assets | 2.3059% | 366 |
| Return on Equity (ROE) | 18.8013% | 330 |
| Retained earnings to average equity (ytd only) | 8.1360% | 1,336 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7214% | 4,622 |
| Assets per employee ($millions) | 4.7529% | 2,846 |
| Cash dividends to net income (ytd only)* | 56.7264% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0422% | 3,338 |
| 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 | 81.9116% | 577 |
| Net loans and leases to deposits | 94.6546% | 1,160 |
| Net loans and leases to core deposits | 96.9201% | 1,912 |
| Total domestic deposits to total assets | 86.5374% | 1,749 |
| Equity capital to assets | 13.4085% | 1,398 |
| Core capital (leverage) ratio | 13.3912% | 1,172 |
| Tier 1 risk-based capital ratio | 18.1844% | 1,766 |
| Total risk-based capital ratio | 19.3543% | 1,745 |
| Memoranda: | ||
| Average total assets | $35,675,250 | 5,035 |
| Average earning assets | $33,456,500 | 5,013 |
| Average equity | $4,375,500 | 5,023 |
| Average total loans | $26,368,500 | 4,790 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4341% | 635 |
| Cost of funding earning assets | 0.6317% | 3,502 |
| Net interest margin | 4.8024% | 402 |
| Noninterest income to average assets | 0.1316% | 4,917 |
| Noninterest expense to average assets | 2.3851% | 3,773 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.2480% | 235 |
| Return on assets (ROA) | 2.2480% | 245 |
| Pretax return on assets | 2.2480% | 396 |
| Return on Equity (ROE) | 18.8636% | 324 |
| Retained earnings to average equity (ytd only) | 11.9623% | 410 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4793% | 4,688 |
| Assets per employee ($millions) | 5.5303% | 1,932 |
| Cash dividends to net income (ytd only)* | 36.5854% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0387% | 3,398 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5425% | 2,383 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 82.4091% | 547 |
| Net loans and leases to deposits | 95.2422% | 1,123 |
| Net loans and leases to core deposits | 97.5214% | 1,927 |
| Total domestic deposits to total assets | 86.5258% | 1,809 |
| Equity capital to assets | 13.4229% | 1,365 |
| Core capital (leverage) ratio | 13.0623% | 1,265 |
| Tier 1 risk-based capital ratio | 17.5465% | 1,926 |
| Total risk-based capital ratio | 18.6771% | 1,918 |
| Memoranda: | ||
| Average total assets | $36,477,000 | 5,061 |
| Average earning assets | $34,191,330 | 5,044 |
| Average equity | $4,347,000 | 5,064 |
| Average total loans | $25,978,330 | 4,829 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0878% | 1,123 |
| Cost of funding earning assets | 0.5840% | 3,659 |
| Net interest margin | 4.5038% | 738 |
| Noninterest income to average assets | 0.1049% | 5,059 |
| Noninterest expense to average assets | 2.2243% | 4,200 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.0879% | 336 |
| Return on assets (ROA) | 2.0879% | 351 |
| Pretax return on assets | 2.0879% | 539 |
| Return on Equity (ROE) | 18.5397% | 357 |
| Retained earnings to average equity (ytd only) | 18.5397% | 129 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5815% | 4,723 |
| Assets per employee ($millions) | 6.1288% | 1,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1516% | 2,838 |
| 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 | 66.9921% | 2,900 |
| Net loans and leases to deposits | 76.1138% | 3,250 |
| Net loans and leases to core deposits | 76.7565% | 3,613 |
| Total domestic deposits to total assets | 88.0157% | 1,330 |
| Equity capital to assets | 11.9463% | 2,051 |
| Core capital (leverage) ratio | 12.2658% | 1,622 |
| Tier 1 risk-based capital ratio | 17.6284% | 1,904 |
| Total risk-based capital ratio | 18.7801% | 1,882 |
| Memoranda: | ||
| Average total assets | $38,124,500 | 5,087 |
| Average earning assets | $35,614,500 | 5,068 |
| Average equity | $4,293,500 | 5,113 |
| Average total loans | $25,151,500 | 4,899 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1868% | 717 |
| Cost of funding earning assets | 0.3593% | 4,223 |
| Net interest margin | 4.8275% | 374 |
| Noninterest income to average assets | 0.1371% | 5,023 |
| Noninterest expense to average assets | 2.6957% | 3,035 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.0101% | 355 |
| Return on assets (ROA) | 2.0101% | 352 |
| Pretax return on assets | 2.0101% | 554 |
| Return on Equity (ROE) | 17.2877% | 469 |
| Retained earnings to average equity (ytd only) | 1.7217% | 4,457 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2844% | 4,249 |
| Assets per employee ($millions) | 6.5793% | 1,180 |
| Cash dividends to net income (ytd only)* | 90.0409% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1308% | 2,923 |
| 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 | 63.5677% | 3,399 |
| Net loans and leases to deposits | 71.1443% | 3,738 |
| Net loans and leases to core deposits | 71.6951% | 4,012 |
| Total domestic deposits to total assets | 89.3505% | 712 |
| Equity capital to assets | 10.6242% | 3,052 |
| Core capital (leverage) ratio | 10.5770% | 2,952 |
| Tier 1 risk-based capital ratio | 17.1899% | 1,997 |
| Total risk-based capital ratio | 18.3663% | 1,973 |
| Memoranda: | ||
| Average total assets | $36,465,000 | 5,153 |
| Average earning assets | $34,510,600 | 5,122 |
| Average equity | $4,240,000 | 5,148 |
| Average total loans | $25,897,600 | 4,911 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1104% | 743 |
| Cost of funding earning assets | 0.3386% | 4,255 |
| Net interest margin | 4.7718% | 392 |
| Noninterest income to average assets | 0.1381% | 5,081 |
| Noninterest expense to average assets | 2.3484% | 3,980 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.3148% | 218 |
| Return on assets (ROA) | 2.3148% | 217 |
| Pretax return on assets | 2.3148% | 332 |
| Return on Equity (ROE) | 19.4437% | 303 |
| Retained earnings to average equity (ytd only) | 10.0355% | 911 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3603% | 4,923 |
| Assets per employee ($millions) | 5.6670% | 1,759 |
| Cash dividends to net income (ytd only)* | 48.3869% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0091% | 3,699 |
| 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 | 82.8010% | 589 |
| Net loans and leases to deposits | 95.2758% | 1,234 |
| Net loans and leases to core deposits | 96.1577% | 2,102 |
| Total domestic deposits to total assets | 86.9067% | 1,774 |
| Equity capital to assets | 13.0610% | 1,308 |
| Core capital (leverage) ratio | 13.1332% | 1,229 |
| Tier 1 risk-based capital ratio | 17.4574% | 1,948 |
| Total risk-based capital ratio | 18.5856% | 1,938 |
| Memoranda: | ||
| Average total assets | $35,712,250 | 5,228 |
| Average earning assets | $33,864,750 | 5,198 |
| Average equity | $4,251,500 | 5,210 |
| Average total loans | $26,026,750 | 4,965 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8441% | 1,141 |
| Cost of funding earning assets | 0.3152% | 4,310 |
| Net interest margin | 4.5290% | 654 |
| Noninterest income to average assets | 0.1268% | 5,172 |
| Noninterest expense to average assets | 2.3317% | 4,069 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.0726% | 322 |
| Return on assets (ROA) | 2.0726% | 319 |
| Pretax return on assets | 2.0726% | 511 |
| Return on Equity (ROE) | 17.9547% | 420 |
| Retained earnings to average equity (ytd only) | 6.0167% | 2,550 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9412% | 4,793 |
| Assets per employee ($millions) | 5.6833% | 1,732 |
| Cash dividends to net income (ytd only)* | 66.4894% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0703% | 3,432 |
| 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 | 77.7947% | 1,348 |
| Net loans and leases to deposits | 88.8889% | 1,999 |
| Net loans and leases to core deposits | 89.7034% | 2,598 |
| Total domestic deposits to total assets | 87.5191% | 1,637 |
| Equity capital to assets | 12.4545% | 1,565 |
| Core capital (leverage) ratio | 11.9698% | 1,733 |
| Tier 1 risk-based capital ratio | 17.2041% | 2,029 |
| Total risk-based capital ratio | 18.3667% | 2,008 |
| Memoranda: | ||
| Average total assets | $36,282,330 | 5,279 |
| Average earning assets | $34,268,330 | 5,250 |
| Average equity | $4,188,330 | 5,280 |
| Average total loans | $25,222,000 | 5,047 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5099% | 1,838 |
| Cost of funding earning assets | 0.2826% | 4,484 |
| Net interest margin | 4.2274% | 1,106 |
| Noninterest income to average assets | 0.1177% | 5,263 |
| Noninterest expense to average assets | 2.2369% | 4,335 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.8837% | 470 |
| Return on assets (ROA) | 1.8837% | 476 |
| Pretax return on assets | 1.8837% | 757 |
| Return on Equity (ROE) | 16.9271% | 519 |
| Retained earnings to average equity (ytd only) | 7.3094% | 2,144 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2857% | 4,768 |
| Assets per employee ($millions) | 6.0797% | 1,445 |
| Cash dividends to net income (ytd only)* | 56.8182% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2027% | 2,789 |
| 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 | 64.6280% | 3,223 |
| Net loans and leases to deposits | 73.0487% | 3,512 |
| Net loans and leases to core deposits | 74.2543% | 3,802 |
| Total domestic deposits to total assets | 88.4725% | 1,368 |
| Equity capital to assets | 11.5056% | 2,129 |
| Core capital (leverage) ratio | 11.2087% | 2,240 |
| Tier 1 risk-based capital ratio | 17.7553% | 1,905 |
| Total risk-based capital ratio | 18.9695% | 1,860 |
| Memoranda: | ||
| Average total assets | $37,373,500 | 5,323 |
| Average earning assets | $35,388,500 | 5,286 |
| Average equity | $4,159,000 | 5,337 |
| Average total loans | $24,425,500 | 5,130 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8997% | 798 |
| Cost of funding earning assets | 0.2629% | 4,457 |
| Net interest margin | 4.6369% | 459 |
| Noninterest income to average assets | 0.1533% | 5,191 |
| Noninterest expense to average assets | 2.6444% | 3,301 |
| Loan and lease loss provision to assets | 0.0739% | 2,726 |
| Net operating income to assets | 1.7329% | 491 |
| Return on assets (ROA) | 1.7329% | 502 |
| Pretax return on assets | 1.7329% | 930 |
| Return on Equity (ROE) | 14.9363% | 616 |
| Retained earnings to average equity (ytd only) | 1.9585% | 4,149 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4096% | 4,352 |
| Assets per employee ($millions) | 6.3782% | 1,276 |
| Cash dividends to net income (ytd only)* | 86.8878% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1485% | 3,068 |
| 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 | 64.5483% | 3,292 |
| Net loans and leases to deposits | 72.3550% | 3,668 |
| Net loans and leases to core deposits | 74.6284% | 3,836 |
| Total domestic deposits to total assets | 89.2106% | 902 |
| Equity capital to assets | 10.7685% | 2,877 |
| Core capital (leverage) ratio | 10.7905% | 2,547 |
| Tier 1 risk-based capital ratio | 16.9896% | 2,101 |
| Total risk-based capital ratio | 18.1728% | 2,057 |
| Memoranda: | ||
| Average total assets | $36,529,400 | 5,387 |
| Average earning assets | $33,859,000 | 5,366 |
| Average equity | $4,238,000 | 5,387 |
| Average total loans | $27,235,200 | 5,086 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9248% | 720 |
| Cost of funding earning assets | 0.2604% | 4,475 |
| Net interest margin | 4.6643% | 440 |
| Noninterest income to average assets | 0.1625% | 5,204 |
| Noninterest expense to average assets | 2.2422% | 4,438 |
| Loan and lease loss provision to assets | 0.0997% | 2,114 |
| Net operating income to assets | 2.1203% | 255 |
| Return on assets (ROA) | 2.1203% | 259 |
| Pretax return on assets | 2.1203% | 431 |
| Return on Equity (ROE) | 17.9345% | 337 |
| Retained earnings to average equity (ytd only) | 13.2479% | 206 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2483% | 5,235 |
| Assets per employee ($millions) | 6.1223% | 1,418 |
| Cash dividends to net income (ytd only)* | 26.1332% | 2,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9438% | 4,349 |
| 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 | 81.9976% | 687 |
| Net loans and leases to deposits | 93.3550% | 1,372 |
| Net loans and leases to core deposits | 96.4582% | 2,027 |
| Total domestic deposits to total assets | 87.8342% | 1,454 |
| Equity capital to assets | 12.1468% | 1,874 |
| Core capital (leverage) ratio | 12.3416% | 1,490 |
| Tier 1 risk-based capital ratio | 16.2639% | 2,395 |
| Total risk-based capital ratio | 17.3100% | 2,417 |
| Memoranda: | ||
| Average total assets | $36,094,500 | 5,455 |
| Average earning assets | $33,273,250 | 5,442 |
| Average equity | $4,267,250 | 5,442 |
| Average total loans | $27,796,750 | 5,128 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7286% | 1,004 |
| Cost of funding earning assets | 0.2425% | 4,618 |
| Net interest margin | 4.4861% | 586 |
| Noninterest income to average assets | 0.1616% | 5,246 |
| Noninterest expense to average assets | 2.2742% | 4,420 |
| Loan and lease loss provision to assets | 0.1003% | 2,008 |
| Net operating income to assets | 1.9119% | 361 |
| Return on assets (ROA) | 1.9119% | 371 |
| Pretax return on assets | 1.9119% | 629 |
| Return on Equity (ROE) | 16.3243% | 489 |
| Retained earnings to average equity (ytd only) | 16.3243% | 98 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0559% | 5,091 |
| Assets per employee ($millions) | 5.9983% | 1,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9696% | 4,328 |
| 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 | 78.8969% | 1,108 |
| Net loans and leases to deposits | 89.8491% | 1,749 |
| Net loans and leases to core deposits | 92.8943% | 2,257 |
| Total domestic deposits to total assets | 87.8105% | 1,557 |
| Equity capital to assets | 12.1728% | 1,812 |
| Core capital (leverage) ratio | 12.0812% | 1,586 |
| Tier 1 risk-based capital ratio | 16.2500% | 2,409 |
| Total risk-based capital ratio | 17.2812% | 2,429 |
| Memoranda: | ||
| Average total assets | $35,881,330 | 5,506 |
| Average earning assets | $32,990,670 | 5,491 |
| Average equity | $4,202,330 | 5,493 |
| Average total loans | $26,926,330 | 5,192 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5260% | 1,312 |
| Cost of funding earning assets | 0.2196% | 4,810 |
| Net interest margin | 4.3064% | 775 |
| Noninterest income to average assets | 0.1451% | 5,388 |
| Noninterest expense to average assets | 2.3111% | 4,376 |
| Loan and lease loss provision to assets | 0.1005% | 1,884 |
| Net operating income to assets | 1.6747% | 582 |
| Return on assets (ROA) | 1.6747% | 595 |
| Pretax return on assets | 1.6747% | 1,060 |
| Return on Equity (ROE) | 14.5879% | 707 |
| Retained earnings to average equity (ytd only) | 14.5879% | 260 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5574% | 4,881 |
| Assets per employee ($millions) | 6.1317% | 1,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0432% | 4,012 |
| 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 | 69.3585% | 2,484 |
| Net loans and leases to deposits | 78.2850% | 2,942 |
| Net loans and leases to core deposits | 80.8523% | 3,217 |
| Total domestic deposits to total assets | 88.5974% | 1,375 |
| Equity capital to assets | 11.3835% | 2,276 |
| Core capital (leverage) ratio | 11.7337% | 1,802 |
| Tier 1 risk-based capital ratio | 16.4371% | 2,386 |
| Total risk-based capital ratio | 17.4928% | 2,399 |
| Memoranda: | ||
| Average total assets | $35,827,000 | 5,571 |
| Average earning assets | $32,788,500 | 5,557 |
| Average equity | $4,113,000 | 5,562 |
| Average total loans | $26,053,000 | 5,272 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8345% | 830 |
| Cost of funding earning assets | 0.2242% | 4,792 |
| Net interest margin | 4.6104% | 500 |
| Noninterest income to average assets | 0.2058% | 5,180 |
| Noninterest expense to average assets | 2.4727% | 4,098 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.0244% | 301 |
| Return on assets (ROA) | 2.0244% | 313 |
| Pretax return on assets | 2.0244% | 470 |
| Return on Equity (ROE) | 17.5756% | 358 |
| Retained earnings to average equity (ytd only) | 0.4406% | 5,147 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9843% | 5,154 |
| Assets per employee ($millions) | 5.8107% | 1,613 |
| Cash dividends to net income (ytd only)* | 97.4930% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9878% | 4,402 |
| 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 | 74.7476% | 1,737 |
| Net loans and leases to deposits | 84.5555% | 2,353 |
| Net loans and leases to core deposits | 87.4878% | 2,726 |
| Total domestic deposits to total assets | 88.4006% | 1,433 |
| Equity capital to assets | 11.5821% | 2,096 |
| Core capital (leverage) ratio | 11.4912% | 1,932 |
| Tier 1 risk-based capital ratio | 16.1417% | 2,492 |
| Total risk-based capital ratio | 17.1810% | 2,510 |
| Memoranda: | ||
| Average total assets | $35,466,600 | 5,627 |
| Average earning assets | $33,012,600 | 5,607 |
| Average equity | $4,085,200 | 5,628 |
| Average total loans | $28,672,600 | 5,239 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7778% | 941 |
| Cost of funding earning assets | 0.2277% | 4,808 |
| Net interest margin | 4.5501% | 558 |
| Noninterest income to average assets | 0.2096% | 5,213 |
| Noninterest expense to average assets | 2.1075% | 4,997 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.3658% | 196 |
| Return on assets (ROA) | 2.3658% | 202 |
| Pretax return on assets | 2.3658% | 273 |
| Return on Equity (ROE) | 20.5675% | 215 |
| Retained earnings to average equity (ytd only) | 5.9229% | 2,224 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1130% | 5,624 |
| Assets per employee ($millions) | 5.7533% | 1,618 |
| Cash dividends to net income (ytd only)* | 71.2028% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8449% | 5,059 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 88.3893% | 115 |
| Net loans and leases to deposits | 100.6598% | 666 |
| Net loans and leases to core deposits | 105.7169% | 1,211 |
| Total domestic deposits to total assets | 87.8100% | 1,499 |
| Equity capital to assets | 12.1727% | 1,995 |
| Core capital (leverage) ratio | 12.2315% | 1,524 |
| Tier 1 risk-based capital ratio | 15.7078% | 2,749 |
| Total risk-based capital ratio | 16.6798% | 2,792 |
| Memoranda: | ||
| Average total assets | $35,617,250 | 5,683 |
| Average earning assets | $33,375,750 | 5,658 |
| Average equity | $4,097,000 | 5,687 |
| Average total loans | $29,260,750 | 5,267 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5344% | 1,419 |
| Cost of funding earning assets | 0.2247% | 4,888 |
| Net interest margin | 4.3097% | 905 |
| Noninterest income to average assets | 0.1945% | 5,333 |
| Noninterest expense to average assets | 2.0676% | 5,126 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.1788% | 233 |
| Return on assets (ROA) | 2.1788% | 249 |
| Pretax return on assets | 2.1788% | 393 |
| Return on Equity (ROE) | 19.3008% | 277 |
| Retained earnings to average equity (ytd only) | 4.5298% | 3,028 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6911% | 5,640 |
| Assets per employee ($millions) | 5.8480% | 1,513 |
| Cash dividends to net income (ytd only)* | 76.5306% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8645% | 5,079 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 84.9721% | 332 |
| Net loans and leases to deposits | 96.2737% | 1,052 |
| Net loans and leases to core deposits | 100.9959% | 1,561 |
| Total domestic deposits to total assets | 88.2609% | 1,292 |
| Equity capital to assets | 11.7191% | 2,339 |
| Core capital (leverage) ratio | 11.4857% | 2,002 |
| Tier 1 risk-based capital ratio | 15.2229% | 2,975 |
| Total risk-based capital ratio | 16.1854% | 3,048 |
| Memoranda: | ||
| Average total assets | $35,983,000 | 5,740 |
| Average earning assets | $33,830,330 | 5,715 |
| Average equity | $4,062,000 | 5,754 |
| Average total loans | $28,757,000 | 5,344 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3101% | 2,095 |
| Cost of funding earning assets | 0.2330% | 4,871 |
| Net interest margin | 4.0771% | 1,406 |
| Noninterest income to average assets | 0.2086% | 5,239 |
| Noninterest expense to average assets | 2.0313% | 5,261 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.0203% | 320 |
| Return on assets (ROA) | 2.0203% | 334 |
| Pretax return on assets | 2.0203% | 541 |
| Return on Equity (ROE) | 18.2314% | 337 |
| Retained earnings to average equity (ytd only) | 3.3688% | 3,815 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1355% | 5,617 |
| Assets per employee ($millions) | 6.1020% | 1,341 |
| Cash dividends to net income (ytd only)* | 81.5217% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9715% | 4,756 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 72.3861% | 1,970 |
| Net loans and leases to deposits | 81.4144% | 2,612 |
| Net loans and leases to core deposits | 85.1990% | 2,826 |
| Total domestic deposits to total assets | 88.9107% | 1,150 |
| Equity capital to assets | 11.0729% | 2,859 |
| Core capital (leverage) ratio | 11.0962% | 2,319 |
| Tier 1 risk-based capital ratio | 16.0111% | 2,678 |
| Total risk-based capital ratio | 17.0379% | 2,721 |
| Memoranda: | ||
| Average total assets | $36,430,500 | 5,791 |
| Average earning assets | $34,338,000 | 5,753 |
| Average equity | $4,037,000 | 5,806 |
| Average total loans | $28,098,000 | 5,410 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8648% | 834 |
| Cost of funding earning assets | 0.2220% | 5,078 |
| Net interest margin | 4.6428% | 502 |
| Noninterest income to average assets | 0.7302% | 2,063 |
| Noninterest expense to average assets | 2.5773% | 3,998 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 2.4994% | 152 |
| Return on assets (ROA) | 2.4994% | 156 |
| Pretax return on assets | 2.4994% | 206 |
| Return on Equity (ROE) | 21.5444% | 192 |
| Retained earnings to average equity (ytd only) | 5.3737% | 2,153 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7675% | 5,718 |
| Assets per employee ($millions) | 6.0415% | 1,358 |
| Cash dividends to net income (ytd only)* | 75.0577% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8833% | 5,140 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 80.4822% | 773 |
| Net loans and leases to deposits | 90.5406% | 1,549 |
| Net loans and leases to core deposits | 94.7885% | 1,968 |
| Total domestic deposits to total assets | 88.8907% | 1,180 |
| Equity capital to assets | 11.0900% | 2,731 |
| Core capital (leverage) ratio | 11.0793% | 2,324 |
| Tier 1 risk-based capital ratio | 14.8214% | 3,261 |
| Total risk-based capital ratio | 15.7800% | 3,340 |
| Memoranda: | ||
| Average total assets | $34,648,000 | 5,876 |
| Average earning assets | $32,437,200 | 5,847 |
| Average equity | $4,019,600 | 5,846 |
| Average total loans | $29,597,200 | 5,372 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8453% | 861 |
| Cost of funding earning assets | 0.2125% | 5,263 |
| Net interest margin | 4.6328% | 514 |
| Noninterest income to average assets | 0.9227% | 1,391 |
| Noninterest expense to average assets | 2.2658% | 4,872 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.9860% | 88 |
| Return on assets (ROA) | 2.9860% | 88 |
| Pretax return on assets | 2.9860% | 120 |
| Return on Equity (ROE) | 25.4420% | 109 |
| Retained earnings to average equity (ytd only) | 12.1737% | 348 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1431% | 6,057 |
| Assets per employee ($millions) | 4.9849% | 2,316 |
| Cash dividends to net income (ytd only)* | 52.1513% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7776% | 5,566 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 95.0765% | 7 |
| Net loans and leases to deposits | 119.2652% | 110 |
| Net loans and leases to core deposits | 125.7858% | 340 |
| Total domestic deposits to total assets | 79.7186% | 4,800 |
| Equity capital to assets | 11.9533% | 2,138 |
| Core capital (leverage) ratio | 12.2016% | 1,565 |
| Tier 1 risk-based capital ratio | 13.8668% | 3,920 |
| Total risk-based capital ratio | 14.7312% | 4,078 |
| Memoranda: | ||
| Average total assets | $34,247,750 | 5,965 |
| Average earning assets | $32,003,000 | 5,933 |
| Average equity | $4,019,500 | 5,928 |
| Average total loans | $29,638,000 | 5,435 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5742% | 1,338 |
| Cost of funding earning assets | 0.1961% | 5,473 |
| Net interest margin | 4.3781% | 790 |
| Noninterest income to average assets | 1.2518% | 776 |
| Noninterest expense to average assets | 2.2508% | 4,972 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 3.0677% | 88 |
| Return on assets (ROA) | 3.0677% | 89 |
| Pretax return on assets | 3.0677% | 128 |
| Return on Equity (ROE) | 26.3039% | 96 |
| Retained earnings to average equity (ytd only) | 13.7062% | 253 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3204% | 6,164 |
| Assets per employee ($millions) | 4.6950% | 2,687 |
| Cash dividends to net income (ytd only)* | 47.8927% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8190% | 5,549 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 95.8071% | 3 |
| Net loans and leases to deposits | 110.5505% | 250 |
| Net loans and leases to core deposits | 114.6858% | 640 |
| Total domestic deposits to total assets | 86.6636% | 2,337 |
| Equity capital to assets | 12.4023% | 1,718 |
| Core capital (leverage) ratio | 12.0785% | 1,608 |
| Tier 1 risk-based capital ratio | 13.9790% | 3,945 |
| Total risk-based capital ratio | 14.8707% | 4,076 |
| Memoranda: | ||
| Average total assets | $34,032,330 | 6,032 |
| Average earning assets | $31,612,000 | 6,009 |
| Average equity | $3,969,000 | 5,996 |
| Average total loans | $28,372,000 | 5,539 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2432% | 2,302 |
| Cost of funding earning assets | 0.1768% | 5,703 |
| Net interest margin | 4.0664% | 1,366 |
| Noninterest income to average assets | 2.2417% | 312 |
| Noninterest expense to average assets | 2.2302% | 5,073 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 3.7324% | 65 |
| Return on assets (ROA) | 3.7324% | 68 |
| Pretax return on assets | 3.7324% | 94 |
| Return on Equity (ROE) | 32.9971% | 47 |
| Retained earnings to average equity (ytd only) | 22.7813% | 64 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.4031% | 6,314 |
| Assets per employee ($millions) | 5.0537% | 2,283 |
| Cash dividends to net income (ytd only)* | 30.9598% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9769% | 5,141 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 74.4997% | 1,426 |
| Net loans and leases to deposits | 84.0858% | 2,059 |
| Net loans and leases to core deposits | 86.9314% | 2,442 |
| Total domestic deposits to total assets | 88.5996% | 1,500 |
| Equity capital to assets | 11.3834% | 2,573 |
| Core capital (leverage) ratio | 11.9563% | 1,665 |
| Tier 1 risk-based capital ratio | 15.2909% | 3,269 |
| Total risk-based capital ratio | 16.2781% | 3,347 |
| Memoranda: | ||
| Average total assets | $34,616,000 | 6,088 |
| Average earning assets | $31,674,500 | 6,071 |
| Average equity | $3,915,500 | 6,066 |
| Average total loans | $26,684,500 | 5,652 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1558% | 566 |
| Cost of funding earning assets | 0.2669% | 5,134 |
| Net interest margin | 4.8889% | 366 |
| Noninterest income to average assets | 0.3153% | 4,864 |
| Noninterest expense to average assets | 2.6246% | 4,128 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 2.2363% | 206 |
| Return on assets (ROA) | 2.2363% | 207 |
| Pretax return on assets | 2.2363% | 295 |
| Return on Equity (ROE) | 20.7027% | 215 |
| Retained earnings to average equity (ytd only) | 8.4054% | 868 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9940% | 5,843 |
| Assets per employee ($millions) | 4.8366% | 2,548 |
| Cash dividends to net income (ytd only)* | 59.3995% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9718% | 5,194 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 78.2550% | 969 |
| Net loans and leases to deposits | 88.1811% | 1,717 |
| Net loans and leases to core deposits | 94.1105% | 1,910 |
| Total domestic deposits to total assets | 88.7435% | 1,393 |
| Equity capital to assets | 11.2358% | 2,659 |
| Core capital (leverage) ratio | 10.5383% | 2,905 |
| Tier 1 risk-based capital ratio | 14.8460% | 3,572 |
| Total risk-based capital ratio | 15.8608% | 3,646 |
| Memoranda: | ||
| Average total assets | $34,253,200 | 6,171 |
| Average earning assets | $31,847,400 | 6,147 |
| Average equity | $3,700,000 | 6,148 |
| Average total loans | $29,767,800 | 5,572 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0445% | 713 |
| Cost of funding earning assets | 0.2453% | 5,451 |
| Net interest margin | 4.7991% | 428 |
| Noninterest income to average assets | 0.2290% | 5,557 |
| Noninterest expense to average assets | 2.2278% | 5,289 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.4801% | 150 |
| Return on assets (ROA) | 2.4801% | 152 |
| Pretax return on assets | 2.4801% | 219 |
| Return on Equity (ROE) | 23.1894% | 148 |
| Retained earnings to average equity (ytd only) | 12.1208% | 407 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3207% | 6,232 |
| Assets per employee ($millions) | 5.2016% | 2,015 |
| Cash dividends to net income (ytd only)* | 47.7312% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7524% | 5,988 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 94.1941% | 6 |
| Net loans and leases to deposits | 124.3772% | 68 |
| Net loans and leases to core deposits | 133.5345% | 199 |
| Total domestic deposits to total assets | 75.7326% | 5,853 |
| Equity capital to assets | 10.5106% | 3,540 |
| Core capital (leverage) ratio | 10.7232% | 2,792 |
| Tier 1 risk-based capital ratio | 13.0396% | 4,842 |
| Total risk-based capital ratio | 13.9255% | 4,964 |
| Memoranda: | ||
| Average total assets | $34,352,500 | 6,245 |
| Average earning assets | $32,060,750 | 6,218 |
| Average equity | $3,674,000 | 6,220 |
| Average total loans | $30,521,250 | 5,600 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8794% | 944 |
| Cost of funding earning assets | 0.2555% | 5,429 |
| Net interest margin | 4.6239% | 563 |
| Noninterest income to average assets | 0.2317% | 5,538 |
| Noninterest expense to average assets | 2.1980% | 5,416 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.3347% | 181 |
| Return on assets (ROA) | 2.3347% | 188 |
| Pretax return on assets | 2.3347% | 283 |
| Return on Equity (ROE) | 21.6947% | 212 |
| Retained earnings to average equity (ytd only) | 13.1383% | 328 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4928% | 6,263 |
| Assets per employee ($millions) | 4.7627% | 2,526 |
| Cash dividends to net income (ytd only)* | 39.4402% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8550% | 5,863 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 90.4316% | 42 |
| Net loans and leases to deposits | 101.8582% | 459 |
| Net loans and leases to core deposits | 108.7980% | 737 |
| Total domestic deposits to total assets | 88.7819% | 1,485 |
| Equity capital to assets | 11.1911% | 2,702 |
| Core capital (leverage) ratio | 10.9404% | 2,475 |
| Tier 1 risk-based capital ratio | 14.1272% | 4,175 |
| Total risk-based capital ratio | 15.1117% | 4,297 |
| Memoranda: | ||
| Average total assets | $33,666,330 | 6,315 |
| Average earning assets | $31,315,330 | 6,289 |
| Average equity | $3,623,000 | 6,277 |
| Average total loans | $29,176,000 | 5,688 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7391% | 1,168 |
| Cost of funding earning assets | 0.2675% | 5,412 |
| Net interest margin | 4.4716% | 695 |
| Noninterest income to average assets | 0.2365% | 5,469 |
| Noninterest expense to average assets | 2.2347% | 5,370 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.1519% | 261 |
| Return on assets (ROA) | 2.1519% | 273 |
| Pretax return on assets | 2.1519% | 389 |
| Return on Equity (ROE) | 20.3979% | 266 |
| Retained earnings to average equity (ytd only) | 17.0356% | 221 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9434% | 6,198 |
| Assets per employee ($millions) | 4.8581% | 2,434 |
| Cash dividends to net income (ytd only)* | 16.4835% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9166% | 5,818 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 82.6447% | 319 |
| Net loans and leases to deposits | 92.5938% | 908 |
| Net loans and leases to core deposits | 97.8655% | 1,250 |
| Total domestic deposits to total assets | 89.2552% | 1,504 |
| Equity capital to assets | 10.7184% | 3,017 |
| Core capital (leverage) ratio | 10.7509% | 2,652 |
| Tier 1 risk-based capital ratio | 13.7719% | 4,488 |
| Total risk-based capital ratio | 14.7542% | 4,617 |
| Memoranda: | ||
| Average total assets | $33,830,000 | 6,378 |
| Average earning assets | $31,398,500 | 6,354 |
| Average equity | $3,569,000 | 6,334 |
| Average total loans | $28,559,500 | 5,773 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9645% | 985 |
| Cost of funding earning assets | 0.2731% | 5,805 |
| Net interest margin | 4.6915% | 514 |
| Noninterest income to average assets | 0.3336% | 4,952 |
| Noninterest expense to average assets | 2.5112% | 4,731 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 2.1807% | 250 |
| Return on assets (ROA) | 2.1807% | 252 |
| Pretax return on assets | 2.1473% | 343 |
| Return on Equity (ROE) | 21.1235% | 225 |
| Retained earnings to average equity (ytd only) | 7.1978% | 1,359 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9063% | 6,143 |
| Assets per employee ($millions) | 4.8076% | 2,434 |
| Cash dividends to net income (ytd only)* | 65.9249% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9042% | 5,913 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 84.6700% | 213 |
| Net loans and leases to deposits | 94.5012% | 835 |
| Net loans and leases to core deposits | 96.7702% | 1,400 |
| Total domestic deposits to total assets | 89.5968% | 1,277 |
| Equity capital to assets | 10.3795% | 3,314 |
| Core capital (leverage) ratio | 10.4247% | 2,993 |
| Tier 1 risk-based capital ratio | 13.8172% | 4,423 |
| Total risk-based capital ratio | 14.8457% | 4,531 |
| Memoranda: | ||
| Average total assets | $32,971,800 | 6,462 |
| Average earning assets | $30,395,600 | 6,442 |
| Average equity | $3,403,800 | 6,451 |
| Average total loans | $27,157,000 | 5,884 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8901% | 1,143 |
| Cost of funding earning assets | 0.2812% | 5,878 |
| Net interest margin | 4.6089% | 610 |
| Noninterest income to average assets | 0.2398% | 5,720 |
| Noninterest expense to average assets | 2.1340% | 5,763 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.4145% | 188 |
| Return on assets (ROA) | 2.4145% | 199 |
| Pretax return on assets | 2.3697% | 285 |
| Return on Equity (ROE) | 23.4210% | 157 |
| Retained earnings to average equity (ytd only) | 10.2517% | 737 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3827% | 6,531 |
| Assets per employee ($millions) | 4.7729% | 2,472 |
| Cash dividends to net income (ytd only)* | 56.2287% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8258% | 6,225 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 93.0979% | 8 |
| Net loans and leases to deposits | 107.7605% | 198 |
| Net loans and leases to core deposits | 110.4624% | 566 |
| Total domestic deposits to total assets | 86.3933% | 3,031 |
| Equity capital to assets | 10.4999% | 3,277 |
| Core capital (leverage) ratio | 10.5143% | 2,990 |
| Tier 1 risk-based capital ratio | 13.3091% | 4,898 |
| Total risk-based capital ratio | 14.2955% | 5,044 |
| Memoranda: | ||
| Average total assets | $32,801,500 | 6,535 |
| Average earning assets | $30,346,250 | 6,511 |
| Average equity | $3,381,500 | 6,531 |
| Average total loans | $26,757,750 | 5,954 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5708% | 1,947 |
| Cost of funding earning assets | 0.2861% | 5,936 |
| Net interest margin | 4.2847% | 1,060 |
| Noninterest income to average assets | 0.2147% | 5,904 |
| Noninterest expense to average assets | 2.1964% | 5,637 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.0369% | 339 |
| Return on assets (ROA) | 2.0369% | 357 |
| Pretax return on assets | 1.9694% | 639 |
| Return on Equity (ROE) | 19.8842% | 309 |
| Retained earnings to average equity (ytd only) | 10.3015% | 781 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7246% | 6,241 |
| Assets per employee ($millions) | 4.6734% | 2,550 |
| Cash dividends to net income (ytd only)* | 48.1928% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9040% | 6,122 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 86.7855% | 123 |
| Net loans and leases to deposits | 97.0400% | 602 |
| Net loans and leases to core deposits | 99.4361% | 1,120 |
| Total domestic deposits to total assets | 89.4327% | 1,359 |
| Equity capital to assets | 10.4542% | 3,366 |
| Core capital (leverage) ratio | 10.3133% | 3,086 |
| Tier 1 risk-based capital ratio | 13.6800% | 4,657 |
| Total risk-based capital ratio | 14.7160% | 4,749 |
| Memoranda: | ||
| Average total assets | $32,598,670 | 6,588 |
| Average earning assets | $30,060,670 | 6,559 |
| Average equity | $3,339,330 | 6,592 |
| Average total loans | $25,222,670 | 6,058 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3155% | 2,826 |
| Cost of funding earning assets | 0.2948% | 6,008 |
| Net interest margin | 4.0206% | 1,708 |
| Noninterest income to average assets | 0.1967% | 6,069 |
| Noninterest expense to average assets | 2.2126% | 5,651 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.6717% | 624 |
| Return on assets (ROA) | 1.6717% | 689 |
| Pretax return on assets | 1.6717% | 1,151 |
| Return on Equity (ROE) | 16.4898% | 551 |
| Retained earnings to average equity (ytd only) | 12.2461% | 664 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9620% | 5,970 |
| Assets per employee ($millions) | 4.8609% | 2,403 |
| Cash dividends to net income (ytd only)* | 25.7353% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0971% | 5,623 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 68.8856% | 1,861 |
| Net loans and leases to deposits | 76.5255% | 2,549 |
| Net loans and leases to core deposits | 78.3258% | 3,013 |
| Total domestic deposits to total assets | 90.0165% | 1,038 |
| Equity capital to assets | 9.8425% | 4,364 |
| Core capital (leverage) ratio | 10.1846% | 3,163 |
| Tier 1 risk-based capital ratio | 14.6334% | 4,080 |
| Total risk-based capital ratio | 15.7695% | 4,126 |
| Memoranda: | ||
| Average total assets | $32,541,000 | 6,653 |
| Average earning assets | $29,846,000 | 6,623 |
| Average equity | $3,299,000 | 6,662 |
| Average total loans | $23,509,000 | 6,200 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8324% | 2,082 |
| Cost of funding earning assets | 0.4052% | 5,880 |
| Net interest margin | 4.4272% | 1,101 |
| Noninterest income to average assets | 0.3604% | 4,905 |
| Noninterest expense to average assets | 2.3832% | 5,457 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.8985% | 434 |
| Return on assets (ROA) | 1.8985% | 482 |
| Pretax return on assets | 2.0508% | 548 |
| Return on Equity (ROE) | 19.1500% | 350 |
| Retained earnings to average equity (ytd only) | 6.6132% | 1,760 |
| Net charge-offs to loans | -0.0843% | 6,794 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7491% | 6,288 |
| Assets per employee ($millions) | 4.4366% | 3,077 |
| Cash dividends to net income (ytd only)* | 65.4664% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1150% | 5,488 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 74.2497% | 1,161 |
| Net loans and leases to deposits | 83.0955% | 1,872 |
| Net loans and leases to core deposits | 85.2553% | 2,400 |
| Total domestic deposits to total assets | 89.3547% | 1,327 |
| Equity capital to assets | 10.4617% | 3,570 |
| Core capital (leverage) ratio | 9.7459% | 3,736 |
| Tier 1 risk-based capital ratio | 14.5630% | 3,983 |
| Total risk-based capital ratio | 15.7284% | 3,996 |
| Memoranda: | ||
| Average total assets | $32,183,200 | 6,704 |
| Average earning assets | $29,612,600 | 6,675 |
| Average equity | $3,190,600 | 6,746 |
| Average total loans | $23,713,800 | 6,255 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6249% | 3,112 |
| Cost of funding earning assets | 0.4128% | 6,044 |
| Net interest margin | 4.2121% | 1,701 |
| Noninterest income to average assets | 0.2752% | 5,579 |
| Noninterest expense to average assets | 2.0740% | 6,215 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.0986% | 330 |
| Return on assets (ROA) | 2.0986% | 370 |
| Pretax return on assets | 2.0986% | 575 |
| Return on Equity (ROE) | 21.4521% | 265 |
| Retained earnings to average equity (ytd only) | 15.1549% | 227 |
| Net charge-offs to loans | -0.1120% | 6,877 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7047% | 6,611 |
| Assets per employee ($millions) | 4.8647% | 2,362 |
| Cash dividends to net income (ytd only)* | 29.3548% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8748% | 6,445 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 86.5151% | 130 |
| Net loans and leases to deposits | 109.4106% | 166 |
| Net loans and leases to core deposits | 113.6437% | 442 |
| Total domestic deposits to total assets | 79.0738% | 5,855 |
| Equity capital to assets | 9.9786% | 4,523 |
| Core capital (leverage) ratio | 10.2331% | 3,250 |
| Tier 1 risk-based capital ratio | 11.7035% | 6,112 |
| Total risk-based capital ratio | 12.5990% | 6,291 |
| Memoranda: | ||
| Average total assets | $32,465,000 | 6,781 |
| Average earning assets | $30,039,500 | 6,748 |
| Average equity | $3,176,000 | 6,835 |
| Average total loans | $23,812,500 | 6,337 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1859% | 5,000 |
| Cost of funding earning assets | 0.4295% | 6,100 |
| Net interest margin | 3.7564% | 3,558 |
| Noninterest income to average assets | 0.2505% | 5,786 |
| Noninterest expense to average assets | 2.0980% | 6,233 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.6032% | 829 |
| Return on assets (ROA) | 1.6032% | 927 |
| Pretax return on assets | 1.6032% | 1,540 |
| Return on Equity (ROE) | 16.5055% | 696 |
| Retained earnings to average equity (ytd only) | 6.8343% | 2,197 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6836% | 6,042 |
| Assets per employee ($millions) | 4.5634% | 2,782 |
| Cash dividends to net income (ytd only)* | 58.5938% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8780% | 6,512 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 84.4697% | 193 |
| Net loans and leases to deposits | 95.4407% | 663 |
| Net loans and leases to core deposits | 105.2379% | 781 |
| Total domestic deposits to total assets | 88.5049% | 1,811 |
| Equity capital to assets | 9.8391% | 4,559 |
| Core capital (leverage) ratio | 9.6845% | 3,856 |
| Tier 1 risk-based capital ratio | 11.6701% | 6,124 |
| Total risk-based capital ratio | 12.5576% | 6,308 |
| Memoranda: | ||
| Average total assets | $31,935,670 | 6,848 |
| Average earning assets | $29,336,330 | 6,819 |
| Average equity | $3,102,000 | 6,882 |
| Average total loans | $21,843,000 | 6,479 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7184% | 6,409 |
| Cost of funding earning assets | 0.4407% | 6,204 |
| Net interest margin | 3.2777% | 5,545 |
| Noninterest income to average assets | 0.2505% | 5,852 |
| Noninterest expense to average assets | 2.1170% | 6,240 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1149% | 2,010 |
| Return on assets (ROA) | 1.1149% | 2,193 |
| Pretax return on assets | 1.1149% | 3,268 |
| Return on Equity (ROE) | 11.5528% | 1,821 |
| Retained earnings to average equity (ytd only) | 11.5528% | 912 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5039% | 4,654 |
| Assets per employee ($millions) | 4.7880% | 2,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2006% | 5,485 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 58.6824% | 3,924 |
| Net loans and leases to deposits | 64.7847% | 4,515 |
| Net loans and leases to core deposits | 70.9217% | 4,301 |
| Total domestic deposits to total assets | 90.5806% | 760 |
| Equity capital to assets | 9.3269% | 5,056 |
| Core capital (leverage) ratio | 9.8715% | 3,538 |
| Tier 1 risk-based capital ratio | 13.1295% | 5,111 |
| Total risk-based capital ratio | 14.1333% | 5,277 |
| Memoranda: | ||
| Average total assets | $31,931,500 | 6,900 |
| Average earning assets | $29,044,500 | 6,881 |
| Average equity | $3,081,500 | 6,940 |
| Average total loans | $19,153,500 | 6,649 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3758% | 5,514 |
| Cost of funding earning assets | 0.6037% | 6,075 |
| Net interest margin | 3.7721% | 3,968 |
| Noninterest income to average assets | 0.3777% | 4,805 |
| Noninterest expense to average assets | 2.7382% | 4,595 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.0386% | 2,050 |
| Return on assets (ROA) | 1.0386% | 2,202 |
| Pretax return on assets | 1.1162% | 2,775 |
| Return on Equity (ROE) | 10.1987% | 1,992 |
| Retained earnings to average equity (ytd only) | 2.7483% | 4,280 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0411% | 3,775 |
| Assets per employee ($millions) | 4.3353% | 3,192 |
| Cash dividends to net income (ytd only)* | 73.0519% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2989% | 4,908 |
| Loan loss allowance to noncurrent loans | 2,987.5000% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 6,907 |
| Noncurrent loans to loans | 0.0435% | 6,714 |
| Net loans and leases to total assets | 59.8445% | 4,021 |
| Net loans and leases to deposits | 66.5921% | 4,652 |
| Net loans and leases to core deposits | 72.8392% | 4,399 |
| Total domestic deposits to total assets | 89.8672% | 1,064 |
| Equity capital to assets | 10.0076% | 4,162 |
| Core capital (leverage) ratio | 10.0330% | 3,296 |
| Tier 1 risk-based capital ratio | 15.1934% | 3,517 |
| Total risk-based capital ratio | 16.3890% | 3,517 |
| Memoranda: | ||
| Average total assets | $29,655,000 | 6,979 |
| Average earning assets | $27,332,400 | 6,945 |
| Average equity | $3,020,000 | 7,006 |
| Average total loans | $19,019,000 | 6,706 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3597% | 5,741 |
| Cost of funding earning assets | 0.6221% | 6,174 |
| Net interest margin | 3.7376% | 4,174 |
| Noninterest income to average assets | 0.2759% | 5,646 |
| Noninterest expense to average assets | 2.4331% | 5,680 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.2934% | 1,395 |
| Return on assets (ROA) | 1.2934% | 1,491 |
| Pretax return on assets | 1.2934% | 2,308 |
| Return on Equity (ROE) | 12.6443% | 1,376 |
| Retained earnings to average equity (ytd only) | 7.7811% | 1,598 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2913% | 4,847 |
| Assets per employee ($millions) | 4.1831% | 3,482 |
| Cash dividends to net income (ytd only)* | 38.4611% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0927% | 5,918 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 73.8782% | 1,340 |
| Net loans and leases to deposits | 82.8089% | 2,203 |
| Net loans and leases to core deposits | 90.9370% | 2,132 |
| Total domestic deposits to total assets | 89.2152% | 1,296 |
| Equity capital to assets | 10.6892% | 3,477 |
| Core capital (leverage) ratio | 10.6202% | 2,737 |
| Tier 1 risk-based capital ratio | 14.2812% | 4,140 |
| Total risk-based capital ratio | 15.3716% | 4,235 |
| Memoranda: | ||
| Average total assets | $29,482,000 | 7,051 |
| Average earning assets | $27,218,250 | 7,015 |
| Average equity | $3,015,750 | 7,068 |
| Average total loans | $19,173,750 | 6,770 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0359% | 6,605 |
| Cost of funding earning assets | 0.6349% | 6,298 |
| Net interest margin | 3.4010% | 5,552 |
| Noninterest income to average assets | 0.2504% | 5,859 |
| Noninterest expense to average assets | 2.4231% | 5,772 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9814% | 2,303 |
| Return on assets (ROA) | 0.9814% | 2,404 |
| Pretax return on assets | 0.9814% | 3,305 |
| Return on Equity (ROE) | 9.7392% | 2,217 |
| Retained earnings to average equity (ytd only) | 5.7092% | 2,586 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1730% | 3,905 |
| Assets per employee ($millions) | 4.2360% | 3,284 |
| Cash dividends to net income (ytd only)* | 41.3793% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1735% | 5,658 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 67.8808% | 2,643 |
| Net loans and leases to deposits | 75.7176% | 3,526 |
| Net loans and leases to core deposits | 82.9918% | 3,368 |
| Total domestic deposits to total assets | 89.6499% | 1,154 |
| Equity capital to assets | 10.2489% | 3,818 |
| Core capital (leverage) ratio | 10.0806% | 3,165 |
| Tier 1 risk-based capital ratio | 14.3539% | 3,899 |
| Total risk-based capital ratio | 15.4827% | 3,965 |
| Memoranda: | ||
| Average total assets | $29,548,670 | 7,116 |
| Average earning assets | $27,404,000 | 7,073 |
| Average equity | $2,977,670 | 7,136 |
| Average total loans | $18,274,330 | 6,876 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7399% | 7,024 |
| Cost of funding earning assets | 0.6428% | 6,413 |
| Net interest margin | 3.0971% | 6,358 |
| Noninterest income to average assets | 0.2305% | 6,069 |
| Noninterest expense to average assets | 2.4816% | 5,618 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6238% | 3,900 |
| Return on assets (ROA) | 0.6238% | 3,967 |
| Pretax return on assets | 0.6238% | 4,589 |
| Return on Equity (ROE) | 6.2436% | 3,757 |
| Retained earnings to average equity (ytd only) | -1.9002% | 6,129 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9127% | 2,549 |
| Assets per employee ($millions) | 4.3031% | 3,238 |
| Cash dividends to net income (ytd only)* | 130.4348% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3837% | 4,745 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 56.5500% | 4,902 |
| Net loans and leases to deposits | 62.7380% | 5,418 |
| Net loans and leases to core deposits | 67.9268% | 5,297 |
| Total domestic deposits to total assets | 90.1368% | 1,073 |
| Equity capital to assets | 9.7603% | 4,092 |
| Core capital (leverage) ratio | 9.8800% | 3,300 |
| Tier 1 risk-based capital ratio | 15.4169% | 3,199 |
| Total risk-based capital ratio | 16.6649% | 3,161 |
| Memoranda: | ||
| Average total assets | $29,497,000 | 7,165 |
| Average earning assets | $27,380,500 | 7,124 |
| Average equity | $2,947,000 | 7,185 |
| Average total loans | $17,228,000 | 6,984 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4734% | 6,460 |
| Cost of funding earning assets | 0.8620% | 6,334 |
| Net interest margin | 3.6114% | 4,761 |
| Noninterest income to average assets | 0.3999% | 4,911 |
| Noninterest expense to average assets | 2.6961% | 5,005 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.9861% | 2,083 |
| Return on assets (ROA) | 0.9861% | 2,195 |
| Pretax return on assets | 1.0550% | 2,755 |
| Return on Equity (ROE) | 9.5999% | 2,074 |
| Retained earnings to average equity (ytd only) | 1.2084% | 4,946 |
| Net charge-offs to loans | 0.0275% | 6,530 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 61.2000% | 387 |
| Efficiency ratio | 71.8750% | 3,815 |
| Assets per employee ($millions) | 4.1246% | 3,523 |
| Cash dividends to net income (ytd only)* | 87.4126% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3909% | 4,562 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 58.6866% | 4,922 |
| Net loans and leases to deposits | 65.4765% | 5,457 |
| Net loans and leases to core deposits | 71.1664% | 5,311 |
| Total domestic deposits to total assets | 89.6301% | 1,303 |
| Equity capital to assets | 10.2314% | 3,462 |
| Core capital (leverage) ratio | 9.9287% | 3,165 |
| Tier 1 risk-based capital ratio | 16.3756% | 2,578 |
| Total risk-based capital ratio | 17.6285% | 2,538 |
| Memoranda: | ||
| Average total assets | $29,004,400 | 7,240 |
| Average earning assets | $26,914,400 | 7,199 |
| Average equity | $2,979,200 | 7,285 |
| Average total loans | $18,209,400 | 7,017 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5135% | 6,575 |
| Cost of funding earning assets | 0.8760% | 6,486 |
| Net interest margin | 3.6375% | 4,689 |
| Noninterest income to average assets | 0.3260% | 5,548 |
| Noninterest expense to average assets | 2.4060% | 6,016 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.2948% | 1,348 |
| Return on assets (ROA) | 1.2948% | 1,424 |
| Pretax return on assets | 1.2948% | 2,188 |
| Return on Equity (ROE) | 12.5939% | 1,364 |
| Retained earnings to average equity (ytd only) | 5.8952% | 2,418 |
| Net charge-offs to loans | 0.0361% | 6,200 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 56.3703% | 514 |
| Efficiency ratio | 65.0124% | 5,048 |
| Assets per employee ($millions) | 4.0014% | 3,832 |
| Cash dividends to net income (ytd only)* | 53.1929% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2079% | 5,460 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 69.7894% | 2,778 |
| Net loans and leases to deposits | 78.4462% | 3,746 |
| Net loans and leases to core deposits | 85.5006% | 3,727 |
| Total domestic deposits to total assets | 88.9647% | 1,407 |
| Equity capital to assets | 10.8890% | 3,070 |
| Core capital (leverage) ratio | 10.2280% | 3,006 |
| Tier 1 risk-based capital ratio | 15.5795% | 2,953 |
| Total risk-based capital ratio | 16.8003% | 2,936 |
| Memoranda: | ||
| Average total assets | $29,037,500 | 7,328 |
| Average earning assets | $26,940,750 | 7,277 |
| Average equity | $2,985,500 | 7,373 |
| Average total loans | $18,466,000 | 7,098 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3019% | 7,049 |
| Cost of funding earning assets | 0.9061% | 6,555 |
| Net interest margin | 3.3959% | 5,658 |
| Noninterest income to average assets | 0.2859% | 5,858 |
| Noninterest expense to average assets | 2.3553% | 6,199 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0688% | 1,952 |
| Return on assets (ROA) | 1.0688% | 2,027 |
| Pretax return on assets | 1.0688% | 2,876 |
| Return on Equity (ROE) | 10.5938% | 1,896 |
| Retained earnings to average equity (ytd only) | 5.5331% | 2,593 |
| Net charge-offs to loans | 0.0555% | 5,609 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 31.4000% | 890 |
| Efficiency ratio | 68.7873% | 4,429 |
| Assets per employee ($millions) | 4.2050% | 3,377 |
| Cash dividends to net income (ytd only)* | 47.7707% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2528% | 5,166 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 63.9986% | 4,265 |
| Net loans and leases to deposits | 71.3669% | 5,097 |
| Net loans and leases to core deposits | 72.6046% | 5,611 |
| Total domestic deposits to total assets | 89.6756% | 1,083 |
| Equity capital to assets | 10.1919% | 3,778 |
| Core capital (leverage) ratio | 9.9164% | 3,263 |
| Tier 1 risk-based capital ratio | 16.9262% | 2,308 |
| Total risk-based capital ratio | 18.1787% | 2,262 |
| Memoranda: | ||
| Average total assets | $29,380,000 | 7,368 |
| Average earning assets | $27,150,670 | 7,330 |
| Average equity | $2,964,000 | 7,422 |
| Average total loans | $18,025,670 | 7,174 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2180% | 7,239 |
| Cost of funding earning assets | 0.9986% | 6,383 |
| Net interest margin | 3.2194% | 6,230 |
| Noninterest income to average assets | 0.2317% | 6,301 |
| Noninterest expense to average assets | 2.4393% | 5,950 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7359% | 3,280 |
| Return on assets (ROA) | 0.7359% | 3,384 |
| Pretax return on assets | 0.7359% | 4,108 |
| Return on Equity (ROE) | 7.3320% | 3,188 |
| Retained earnings to average equity (ytd only) | 7.3320% | 2,001 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8240% | 3,092 |
| Assets per employee ($millions) | 4.2994% | 3,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3883% | 4,478 |
| Loan loss allowance to noncurrent loans | 2,450.0000% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0332% | 7,413 |
| Noncurrent loans to loans | 0.0567% | 7,262 |
| Net loans and leases to total assets | 57.8250% | 5,470 |
| Net loans and leases to deposits | 64.2628% | 6,033 |
| Net loans and leases to core deposits | 65.3364% | 6,337 |
| Total domestic deposits to total assets | 89.9821% | 994 |
| Equity capital to assets | 9.8784% | 4,023 |
| Core capital (leverage) ratio | 10.0304% | 3,131 |
| Tier 1 risk-based capital ratio | 15.3121% | 2,963 |
| Total risk-based capital ratio | 16.5637% | 2,912 |
| Memoranda: | ||
| Average total assets | $29,352,500 | 7,458 |
| Average earning assets | $26,837,500 | 7,432 |
| Average equity | $2,946,000 | 7,509 |
| Average total loans | $17,500,000 | 7,286 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6514% | 7,209 |
| Cost of funding earning assets | 1.3374% | 6,184 |
| Net interest margin | 3.3139% | 5,684 |
| Noninterest income to average assets | 0.4402% | 4,884 |
| Noninterest expense to average assets | 2.5384% | 5,993 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.8474% | 2,359 |
| Return on assets (ROA) | 0.8474% | 2,444 |
| Pretax return on assets | 0.9831% | 2,647 |
| Return on Equity (ROE) | 8.1047% | 2,326 |
| Retained earnings to average equity (ytd only) | 5.4733% | 1,588 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0833% | 4,248 |
| Assets per employee ($millions) | 4.0870% | 3,645 |
| Cash dividends to net income (ytd only)* | 32.4675% | 3,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4119% | 4,166 |
| Loan loss allowance to noncurrent loans | 1,750.0000% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0489% | 7,383 |
| Noncurrent loans to loans | 0.0807% | 7,210 |
| Net loans and leases to total assets | 59.7959% | 5,369 |
| Net loans and leases to deposits | 66.7668% | 5,968 |
| Net loans and leases to core deposits | 74.9223% | 6,474 |
| Total domestic deposits to total assets | 89.5592% | 1,182 |
| Equity capital to assets | 10.2031% | 3,509 |
| Core capital (leverage) ratio | 10.2847% | 2,795 |
| Tier 1 risk-based capital ratio | 15.0224% | 2,925 |
| Total risk-based capital ratio | 16.2730% | 2,881 |
| Memoranda: | ||
| Average total assets | $27,261,400 | 7,574 |
| Average earning assets | $25,347,400 | 7,531 |
| Average equity | $2,850,200 | 7,628 |
| Average total loans | $17,253,800 | 7,340 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6355% | 7,370 |
| Cost of funding earning assets | 1.3901% | 6,270 |
| Net interest margin | 3.2454% | 5,861 |
| Noninterest income to average assets | 0.3417% | 5,760 |
| Noninterest expense to average assets | 2.4463% | 6,263 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.8220% | 2,716 |
| Return on assets (ROA) | 0.8220% | 2,779 |
| Pretax return on assets | 0.9360% | 3,110 |
| Return on Equity (ROE) | 7.8126% | 2,719 |
| Retained earnings to average equity (ytd only) | 7.8126% | 1,194 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3280% | 4,186 |
| Assets per employee ($millions) | 4.0734% | 3,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2762% | 4,644 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 66.4691% | 4,314 |
| Net loans and leases to deposits | 75.7393% | 5,091 |
| Net loans and leases to core deposits | 88.7396% | 5,556 |
| Total domestic deposits to total assets | 87.7604% | 1,770 |
| Equity capital to assets | 10.2686% | 3,765 |
| Core capital (leverage) ratio | 10.2199% | 3,048 |
| Tier 1 risk-based capital ratio | 14.6715% | 3,190 |
| Total risk-based capital ratio | 15.8992% | 3,149 |
| Memoranda: | ||
| Average total assets | $26,924,500 | 7,653 |
| Average earning assets | $25,224,750 | 7,601 |
| Average equity | $2,833,000 | 7,707 |
| Average total loans | $17,229,250 | 7,405 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5556% | 7,579 |
| Cost of funding earning assets | 1.4186% | 6,421 |
| Net interest margin | 3.1371% | 6,136 |
| Noninterest income to average assets | 0.3182% | 5,958 |
| Noninterest expense to average assets | 2.3868% | 6,504 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6971% | 3,268 |
| Return on assets (ROA) | 0.6971% | 3,377 |
| Pretax return on assets | 0.8638% | 3,461 |
| Return on Equity (ROE) | 6.5683% | 3,403 |
| Retained earnings to average equity (ytd only) | 6.5683% | 1,760 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4266% | 4,120 |
| Assets per employee ($millions) | 3.9813% | 3,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3875% | 3,796 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 62.4816% | 5,271 |
| Net loans and leases to deposits | 71.4995% | 5,810 |
| Net loans and leases to core deposits | 81.0284% | 6,318 |
| Total domestic deposits to total assets | 87.3874% | 2,059 |
| Equity capital to assets | 10.2408% | 3,680 |
| Core capital (leverage) ratio | 10.3854% | 2,915 |
| Tier 1 risk-based capital ratio | 15.0678% | 2,993 |
| Total risk-based capital ratio | 16.3191% | 2,927 |
| Memoranda: | ||
| Average total assets | $26,394,670 | 7,743 |
| Average earning assets | $24,672,670 | 7,694 |
| Average equity | $2,801,330 | 7,787 |
| Average total loans | $16,573,000 | 7,509 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5921% | 7,625 |
| Cost of funding earning assets | 1.5084% | 6,379 |
| Net interest margin | 3.0838% | 6,243 |
| Noninterest income to average assets | 0.2806% | 6,184 |
| Noninterest expense to average assets | 2.4009% | 6,188 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4053% | 4,835 |
| Return on assets (ROA) | 0.4053% | 5,017 |
| Pretax return on assets | 0.7483% | 4,259 |
| Return on Equity (ROE) | 3.7477% | 5,060 |
| Retained earnings to average equity (ytd only) | 3.7477% | 3,819 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2376% | 3,448 |
| Assets per employee ($millions) | 3.7647% | 4,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5615% | 2,680 |
| Loan loss allowance to noncurrent loans | 137.0787% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.6754% | 5,475 |
| Noncurrent loans to loans | 1.1391% | 4,714 |
| Net loans and leases to total assets | 58.3691% | 5,884 |
| Net loans and leases to deposits | 65.4470% | 6,423 |
| Net loans and leases to core deposits | 74.4350% | 6,783 |
| Total domestic deposits to total assets | 89.1853% | 1,152 |
| Equity capital to assets | 10.5794% | 3,385 |
| Core capital (leverage) ratio | 10.9051% | 2,579 |
| Tier 1 risk-based capital ratio | 16.5696% | 2,491 |
| Total risk-based capital ratio | 17.8236% | 2,417 |
| Memoranda: | ||
| Average total assets | $25,657,500 | 7,814 |
| Average earning assets | $23,867,000 | 7,773 |
| Average equity | $2,775,000 | 7,845 |
| Average total loans | $16,030,500 | 7,575 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9607% | 5,752 |
| Cost of funding earning assets | 2.1368% | 5,897 |
| Net interest margin | 3.8239% | 3,922 |
| Noninterest income to average assets | 0.4813% | 4,787 |
| Noninterest expense to average assets | 2.7364% | 5,101 |
| Loan and lease loss provision to assets | 0.0477% | 6,822 |
| Net operating income to assets | 1.2489% | 1,634 |
| Return on assets (ROA) | 1.2489% | 1,575 |
| Pretax return on assets | 1.2489% | 2,484 |
| Return on Equity (ROE) | 11.2360% | 1,834 |
| Retained earnings to average equity (ytd only) | 0.1431% | 5,142 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8501% | 4,749 |
| Assets per employee ($millions) | 3.5660% | 4,511 |
| Cash dividends to net income (ytd only)* | 98.7261% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4846% | 2,774 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 64.8626% | 5,093 |
| Net loans and leases to deposits | 73.7597% | 5,871 |
| Net loans and leases to core deposits | 83.6658% | 6,323 |
| Total domestic deposits to total assets | 87.9377% | 1,496 |
| Equity capital to assets | 11.0648% | 2,983 |
| Core capital (leverage) ratio | 10.9503% | 2,625 |
| Tier 1 risk-based capital ratio | 15.8000% | 2,741 |
| Total risk-based capital ratio | 17.0528% | 2,683 |
| Memoranda: | ||
| Average total assets | $25,142,600 | 7,836 |
| Average earning assets | $23,353,000 | 7,809 |
| Average equity | $2,794,600 | 7,895 |
| Average total loans | $16,285,400 | 7,568 |