Home > Highland State Bank > Performance and Condition Ratios
Highland State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6661% | 4,302 |
| Cost of funding earning assets | 0.6571% | 3,987 |
| Net interest margin | 3.0090% | 3,262 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 2.3894% | 2,625 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7086% | 3,172 |
| Return on assets (ROA) | 0.7800% | 2,918 |
| Pretax return on assets | 0.7941% | 3,225 |
| Return on Equity (ROE) | 7.2000% | 3,228 |
| Retained earnings to average equity (ytd only) | 5.2449% | 2,510 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 76.8127% | 1,183 |
| Assets per employee ($millions) | 5.3721% | 3,341 |
| Cash dividends to net income (ytd only)* | 27.1084% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0140% | 367 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 40.4100% | 4,028 |
| Net loans and leases to deposits | 46.2224% | 4,042 |
| Net loans and leases to core deposits | 52.5585% | 4,017 |
| Total domestic deposits to total assets | 87.4400% | 1,541 |
| Equity capital to assets | 10.9896% | 1,486 |
| Core capital (leverage) ratio | 11.2753% | 1,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $42,563,000 | 4,374 |
| Average earning assets | $39,414,800 | 4,350 |
| Average equity | $4,614,000 | 4,294 |
| Average total loans | $16,833,000 | 4,330 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5600% | 4,337 |
| Cost of funding earning assets | 0.5827% | 4,000 |
| Net interest margin | 2.9773% | 3,381 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.3331% | 2,696 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7399% | 3,203 |
| Return on assets (ROA) | 0.8353% | 2,898 |
| Pretax return on assets | 0.8510% | 3,212 |
| Return on Equity (ROE) | 7.7300% | 3,257 |
| Retained earnings to average equity (ytd only) | 5.1161% | 2,898 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 75.5849% | 1,213 |
| Assets per employee ($millions) | 5.2361% | 3,399 |
| Cash dividends to net income (ytd only)* | 33.8346% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1627% | 314 |
| 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 | 38.5500% | 4,108 |
| Net loans and leases to deposits | 44.1715% | 4,100 |
| Net loans and leases to core deposits | 49.7551% | 4,047 |
| Total domestic deposits to total assets | 87.2800% | 1,809 |
| Equity capital to assets | 11.1175% | 1,300 |
| Core capital (leverage) ratio | 11.1853% | 1,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $42,459,500 | 4,390 |
| Average earning assets | $39,587,000 | 4,367 |
| Average equity | $4,586,750 | 4,310 |
| Average total loans | $16,609,750 | 4,354 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4670% | 4,376 |
| Cost of funding earning assets | 0.4680% | 4,043 |
| Net interest margin | 2.9990% | 3,433 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 2.2931% | 2,831 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7673% | 3,170 |
| Return on assets (ROA) | 0.9097% | 2,708 |
| Pretax return on assets | 0.9238% | 3,115 |
| Return on Equity (ROE) | 8.5000% | 3,111 |
| Retained earnings to average equity (ytd only) | 6.0920% | 2,588 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 74.6565% | 1,286 |
| Assets per employee ($millions) | 5.3436% | 3,285 |
| Cash dividends to net income (ytd only)* | 28.3505% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1259% | 346 |
| 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 | 38.4500% | 4,095 |
| Net loans and leases to deposits | 43.8375% | 4,108 |
| Net loans and leases to core deposits | 48.1133% | 4,068 |
| Total domestic deposits to total assets | 87.7000% | 1,707 |
| Equity capital to assets | 10.8073% | 1,460 |
| Core capital (leverage) ratio | 11.2420% | 1,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $42,649,667 | 4,413 |
| Average earning assets | $39,746,333 | 4,391 |
| Average equity | $4,563,333 | 4,338 |
| Average total loans | $16,644,000 | 4,377 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4032% | 4,372 |
| Cost of funding earning assets | 0.3524% | 4,067 |
| Net interest margin | 3.0508% | 3,463 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.2160% | 3,058 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8949% | 2,874 |
| Return on assets (ROA) | 1.1831% | 1,941 |
| Pretax return on assets | 1.1925% | 2,444 |
| Return on Equity (ROE) | 11.1100% | 2,463 |
| Retained earnings to average equity (ytd only) | 9.5259% | 1,812 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.0843% | 1,633 |
| Assets per employee ($millions) | 5.9419% | 2,812 |
| Cash dividends to net income (ytd only)* | 14.2857% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1379% | 352 |
| 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 | 39.2900% | 4,066 |
| Net loans and leases to deposits | 44.9018% | 4,077 |
| Net loans and leases to core deposits | 47.9505% | 4,050 |
| Total domestic deposits to total assets | 87.5000% | 2,090 |
| Equity capital to assets | 11.0331% | 1,328 |
| Core capital (leverage) ratio | 10.8940% | 1,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $42,600,000 | 4,481 |
| Average earning assets | $39,727,500 | 4,458 |
| Average equity | $4,535,000 | 4,398 |
| Average total loans | $16,569,500 | 4,437 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8320% | 4,296 |
| Cost of funding earning assets | 0.1407% | 4,172 |
| Net interest margin | 2.6913% | 4,065 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 2.2855% | 2,787 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5976% | 3,887 |
| Return on assets (ROA) | 0.6953% | 3,579 |
| Pretax return on assets | 0.7047% | 3,837 |
| Return on Equity (ROE) | 6.8100% | 3,672 |
| Retained earnings to average equity (ytd only) | 5.1760% | 2,974 |
| Net charge-offs to loans | 0.1228% | 631 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 12.9000% | 2,092 |
| Efficiency ratio | 79.0414% | 786 |
| Assets per employee ($millions) | 6.2296% | 2,568 |
| Cash dividends to net income (ytd only)* | 23.9865% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1715% | 321 |
| 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 | 36.8800% | 4,182 |
| Net loans and leases to deposits | 41.7653% | 4,186 |
| Net loans and leases to core deposits | 43.6173% | 4,190 |
| Total domestic deposits to total assets | 88.3100% | 1,965 |
| Equity capital to assets | 10.2759% | 1,568 |
| Core capital (leverage) ratio | 10.3475% | 2,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $42,572,200 | 4,504 |
| Average earning assets | $39,795,600 | 4,481 |
| Average equity | $4,347,000 | 4,497 |
| Average total loans | $16,287,000 | 4,466 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6607% | 4,328 |
| Cost of funding earning assets | 0.1212% | 4,115 |
| Net interest margin | 2.5395% | 4,179 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 2.2845% | 2,675 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4879% | 4,102 |
| Return on assets (ROA) | 0.6176% | 3,748 |
| Pretax return on assets | 0.6270% | 3,939 |
| Return on Equity (ROE) | 6.0600% | 3,789 |
| Retained earnings to average equity (ytd only) | 3.8637% | 3,489 |
| Net charge-offs to loans | 0.1641% | 398 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 7.8500% | 2,063 |
| Efficiency ratio | 82.1995% | 643 |
| Assets per employee ($millions) | 6.1124% | 2,665 |
| Cash dividends to net income (ytd only)* | 36.2245% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1242% | 390 |
| 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 | 38.4400% | 4,130 |
| Net loans and leases to deposits | 43.5401% | 4,128 |
| Net loans and leases to core deposits | 44.7714% | 4,150 |
| Total domestic deposits to total assets | 88.3000% | 2,328 |
| Equity capital to assets | 10.2391% | 1,500 |
| Core capital (leverage) ratio | 10.3968% | 2,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $42,313,500 | 4,538 |
| Average earning assets | $39,587,000 | 4,516 |
| Average equity | $4,313,500 | 4,540 |
| Average total loans | $16,248,750 | 4,500 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5481% | 4,332 |
| Cost of funding earning assets | 0.1269% | 3,879 |
| Net interest margin | 2.4212% | 4,198 |
| Noninterest income to average assets | 0.4412% | 2,500 |
| Noninterest expense to average assets | 2.3769% | 2,311 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3219% | 4,249 |
| Return on assets (ROA) | 0.5171% | 3,805 |
| Pretax return on assets | 0.5266% | 3,955 |
| Return on Equity (ROE) | 5.0804% | 3,798 |
| Retained earnings to average equity (ytd only) | 2.9830% | 3,453 |
| Net charge-offs to loans | 0.2490% | 260 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 3.4500% | 1,995 |
| Efficiency ratio | 87.8947% | 492 |
| Assets per employee ($millions) | 6.0127% | 2,729 |
| Cash dividends to net income (ytd only)* | 41.2844% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1149% | 438 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0808% | 3,173 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 39.2573% | 4,113 |
| Net loans and leases to deposits | 44.4657% | 4,093 |
| Net loans and leases to core deposits | 45.7397% | 4,133 |
| Total domestic deposits to total assets | 88.2867% | 2,468 |
| Equity capital to assets | 10.2640% | 1,556 |
| Core capital (leverage) ratio | 10.3347% | 2,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $42,155,667 | 4,587 |
| Average earning assets | $39,402,000 | 4,573 |
| Average equity | $4,291,000 | 4,594 |
| Average total loans | $16,063,000 | 4,564 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4107% | 4,366 |
| Cost of funding earning assets | 0.1322% | 3,739 |
| Net interest margin | 2.2785% | 4,266 |
| Noninterest income to average assets | 0.4267% | 2,520 |
| Noninterest expense to average assets | 2.2944% | 2,520 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2533% | 4,233 |
| Return on assets (ROA) | 0.5878% | 3,414 |
| Pretax return on assets | 0.5973% | 3,641 |
| Return on Equity (ROE) | 5.7991% | 3,401 |
| Retained earnings to average equity (ytd only) | 3.9284% | 2,956 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9628% | 547 |
| Assets per employee ($millions) | 5.2334% | 3,558 |
| Cash dividends to net income (ytd only)* | 32.2581% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4126% | 313 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0812% | 3,267 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 36.4225% | 4,184 |
| Net loans and leases to deposits | 41.2369% | 4,193 |
| Net loans and leases to core deposits | 42.4231% | 4,224 |
| Total domestic deposits to total assets | 88.3249% | 2,376 |
| Equity capital to assets | 10.2658% | 1,710 |
| Core capital (leverage) ratio | 10.2998% | 2,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $42,189,000 | 4,610 |
| Average earning assets | $39,324,500 | 4,598 |
| Average equity | $4,276,500 | 4,632 |
| Average total loans | $15,654,500 | 4,588 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6935% | 4,315 |
| Cost of funding earning assets | 0.1683% | 3,789 |
| Net interest margin | 2.5252% | 4,157 |
| Noninterest income to average assets | 0.4185% | 2,955 |
| Noninterest expense to average assets | 2.3572% | 2,631 |
| Loan and lease loss provision to assets | 0.0050% | 2,978 |
| Net operating income to assets | 0.3973% | 4,281 |
| Return on assets (ROA) | 0.5471% | 4,038 |
| Pretax return on assets | 0.5521% | 4,172 |
| Return on Equity (ROE) | 5.1674% | 3,959 |
| Retained earnings to average equity (ytd only) | 3.5719% | 3,397 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3102% | 500 |
| Assets per employee ($millions) | 6.0730% | 2,691 |
| Cash dividends to net income (ytd only)* | 30.8756% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4039% | 323 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0800% | 3,384 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 36.0048% | 4,286 |
| Net loans and leases to deposits | 40.6609% | 4,322 |
| Net loans and leases to core deposits | 41.8048% | 4,343 |
| Total domestic deposits to total assets | 88.5488% | 1,764 |
| Equity capital to assets | 10.0092% | 2,648 |
| Core capital (leverage) ratio | 10.5830% | 1,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,665,400 | 4,667 |
| Average earning assets | $36,828,800 | 4,650 |
| Average equity | $4,199,400 | 4,690 |
| Average total loans | $15,878,000 | 4,636 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7337% | 4,373 |
| Cost of funding earning assets | 0.1805% | 3,818 |
| Net interest margin | 2.5531% | 4,201 |
| Noninterest income to average assets | 0.4586% | 2,804 |
| Noninterest expense to average assets | 2.3994% | 2,445 |
| Loan and lease loss provision to assets | 0.0077% | 2,826 |
| Net operating income to assets | 0.4196% | 4,345 |
| Return on assets (ROA) | 0.6229% | 4,015 |
| Pretax return on assets | 0.6298% | 4,191 |
| Return on Equity (ROE) | 5.7976% | 3,959 |
| Retained earnings to average equity (ytd only) | 3.6633% | 3,695 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7642% | 486 |
| Assets per employee ($millions) | 5.6029% | 3,097 |
| Cash dividends to net income (ytd only)* | 36.8132% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3944% | 338 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0867% | 3,520 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 39.1841% | 4,245 |
| Net loans and leases to deposits | 44.7108% | 4,286 |
| Net loans and leases to core deposits | 46.0906% | 4,318 |
| Total domestic deposits to total assets | 87.6390% | 2,040 |
| Equity capital to assets | 10.7624% | 2,207 |
| Core capital (leverage) ratio | 11.1901% | 1,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $38,954,000 | 4,742 |
| Average earning assets | $36,190,000 | 4,727 |
| Average equity | $4,185,500 | 4,758 |
| Average total loans | $15,926,750 | 4,704 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7584% | 4,400 |
| Cost of funding earning assets | 0.1887% | 3,863 |
| Net interest margin | 2.5697% | 4,215 |
| Noninterest income to average assets | 0.4323% | 2,944 |
| Noninterest expense to average assets | 2.4032% | 2,454 |
| Loan and lease loss provision to assets | 0.0103% | 2,731 |
| Net operating income to assets | 0.3993% | 4,381 |
| Return on assets (ROA) | 0.7050% | 3,819 |
| Pretax return on assets | 0.7101% | 4,046 |
| Return on Equity (ROE) | 6.5650% | 3,767 |
| Retained earnings to average equity (ytd only) | 4.7919% | 3,261 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3748% | 501 |
| Assets per employee ($millions) | 5.3527% | 3,286 |
| Cash dividends to net income (ytd only)* | 27.0073% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3838% | 319 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0907% | 3,599 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 41.2021% | 4,228 |
| Net loans and leases to deposits | 47.2819% | 4,258 |
| Net loans and leases to core deposits | 48.8143% | 4,289 |
| Total domestic deposits to total assets | 87.1414% | 2,241 |
| Equity capital to assets | 11.2253% | 1,817 |
| Core capital (leverage) ratio | 10.8587% | 1,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $38,865,333 | 4,775 |
| Average earning assets | $36,036,000 | 4,755 |
| Average equity | $4,173,667 | 4,790 |
| Average total loans | $15,987,333 | 4,737 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7279% | 4,451 |
| Cost of funding earning assets | 0.1855% | 4,039 |
| Net interest margin | 2.5424% | 4,241 |
| Noninterest income to average assets | 0.3640% | 3,268 |
| Noninterest expense to average assets | 2.2647% | 2,894 |
| Loan and lease loss provision to assets | 0.0101% | 2,643 |
| Net operating income to assets | 0.4408% | 4,288 |
| Return on assets (ROA) | 1.0414% | 2,747 |
| Pretax return on assets | 1.0515% | 3,230 |
| Return on Equity (ROE) | 9.9098% | 2,720 |
| Retained earnings to average equity (ytd only) | 9.9098% | 1,671 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2714% | 634 |
| Assets per employee ($millions) | 5.7047% | 2,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3763% | 319 |
| Loan loss allowance to noncurrent loans | 37,600.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.0876% | 3,754 |
| Noncurrent loans to loans | 0.0063% | 4,298 |
| Net loans and leases to total assets | 38.6823% | 4,397 |
| Net loans and leases to deposits | 43.9597% | 4,421 |
| Net loans and leases to core deposits | 45.2792% | 4,462 |
| Total domestic deposits to total assets | 87.9949% | 1,847 |
| Equity capital to assets | 10.5402% | 2,229 |
| Core capital (leverage) ratio | 10.8003% | 1,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,563,500 | 4,791 |
| Average earning assets | $36,658,500 | 4,773 |
| Average equity | $4,157,500 | 4,815 |
| Average total loans | $16,073,500 | 4,758 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3717% | 4,235 |
| Cost of funding earning assets | 0.2575% | 4,349 |
| Net interest margin | 3.1142% | 3,597 |
| Noninterest income to average assets | 0.4467% | 2,876 |
| Noninterest expense to average assets | 2.6411% | 2,413 |
| Loan and lease loss provision to assets | 0.0169% | 4,166 |
| Net operating income to assets | 0.6771% | 3,502 |
| Return on assets (ROA) | 1.5060% | 868 |
| Pretax return on assets | 1.5144% | 1,287 |
| Return on Equity (ROE) | 13.5779% | 904 |
| Retained earnings to average equity (ytd only) | 9.5754% | 664 |
| Net charge-offs to loans | 0.0598% | 1,922 |
| Credit loss provision to net charge-offs | 60.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 24.7000% | 1,768 |
| Efficiency ratio | 79.1912% | 941 |
| Assets per employee ($millions) | 5.5991% | 2,744 |
| Cash dividends to net income (ytd only)* | 29.4776% | 2,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2972% | 355 |
| Loan loss allowance to noncurrent loans | 18,750.0000% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0919% | 3,857 |
| Noncurrent loans to loans | 0.0123% | 4,325 |
| Net loans and leases to total assets | 40.6925% | 4,414 |
| Net loans and leases to deposits | 46.2773% | 4,453 |
| Net loans and leases to core deposits | 47.6887% | 4,494 |
| Total domestic deposits to total assets | 87.9318% | 1,507 |
| Equity capital to assets | 10.4761% | 2,695 |
| Core capital (leverage) ratio | 10.8481% | 1,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,591,000 | 4,822 |
| Average earning assets | $33,010,000 | 4,813 |
| Average equity | $3,947,600 | 4,844 |
| Average total loans | $16,713,400 | 4,777 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4856% | 4,229 |
| Cost of funding earning assets | 0.2729% | 4,422 |
| Net interest margin | 3.2127% | 3,457 |
| Noninterest income to average assets | 0.4574% | 2,807 |
| Noninterest expense to average assets | 2.6981% | 2,262 |
| Loan and lease loss provision to assets | 0.0144% | 4,140 |
| Net operating income to assets | 0.7226% | 3,383 |
| Return on assets (ROA) | 1.8679% | 437 |
| Pretax return on assets | 1.8756% | 671 |
| Return on Equity (ROE) | 16.5810% | 485 |
| Retained earnings to average equity (ytd only) | 12.2822% | 394 |
| Net charge-offs to loans | 0.0793% | 1,514 |
| Credit loss provision to net charge-offs | 40.0000% | 2,925 |
| Earnings coverage of net charge-offs (x) | 19.4000% | 1,935 |
| Efficiency ratio | 78.3482% | 999 |
| Assets per employee ($millions) | 5.1451% | 3,070 |
| Cash dividends to net income (ytd only)* | 25.9259% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2319% | 333 |
| Loan loss allowance to noncurrent loans | 12,433.3333% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.1027% | 3,918 |
| Noncurrent loans to loans | 0.0180% | 4,351 |
| Net loans and leases to total assets | 45.3659% | 4,346 |
| Net loans and leases to deposits | 52.2447% | 4,401 |
| Net loans and leases to core deposits | 54.0043% | 4,447 |
| Total domestic deposits to total assets | 86.8336% | 1,729 |
| Equity capital to assets | 11.3505% | 2,114 |
| Core capital (leverage) ratio | 11.5480% | 1,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $34,690,250 | 4,860 |
| Average earning assets | $32,246,000 | 4,847 |
| Average equity | $3,908,000 | 4,874 |
| Average total loans | $16,810,750 | 4,802 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5782% | 4,297 |
| Cost of funding earning assets | 0.2956% | 4,495 |
| Net interest margin | 3.2826% | 3,427 |
| Noninterest income to average assets | 0.4438% | 2,833 |
| Noninterest expense to average assets | 2.7388% | 2,259 |
| Loan and lease loss provision to assets | 0.0175% | 4,016 |
| Net operating income to assets | 0.7300% | 3,282 |
| Return on assets (ROA) | 2.4644% | 163 |
| Pretax return on assets | 2.4702% | 230 |
| Return on Equity (ROE) | 21.9335% | 169 |
| Retained earnings to average equity (ytd only) | 17.1518% | 134 |
| Net charge-offs to loans | 0.1187% | 1,135 |
| Credit loss provision to net charge-offs | 30.0000% | 2,701 |
| Earnings coverage of net charge-offs (x) | 12.9000% | 2,026 |
| Efficiency ratio | 78.4281% | 1,013 |
| Assets per employee ($millions) | 4.9801% | 3,193 |
| Cash dividends to net income (ytd only)* | 21.8009% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2524% | 305 |
| Loan loss allowance to noncurrent loans | 1,094.1176% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.1951% | 3,554 |
| Noncurrent loans to loans | 0.2059% | 3,647 |
| Net loans and leases to total assets | 46.3096% | 4,350 |
| Net loans and leases to deposits | 53.5225% | 4,396 |
| Net loans and leases to core deposits | 55.3882% | 4,452 |
| Total domestic deposits to total assets | 86.5236% | 1,797 |
| Equity capital to assets | 11.6405% | 1,879 |
| Core capital (leverage) ratio | 11.9829% | 1,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $34,248,333 | 4,891 |
| Average earning assets | $31,803,667 | 4,876 |
| Average equity | $3,848,000 | 4,910 |
| Average total loans | $16,843,667 | 4,831 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7287% | 4,333 |
| Cost of funding earning assets | 0.3192% | 4,600 |
| Net interest margin | 3.4095% | 3,267 |
| Noninterest income to average assets | 0.4007% | 3,096 |
| Noninterest expense to average assets | 2.8166% | 2,387 |
| Loan and lease loss provision to assets | 0.0236% | 3,511 |
| Net operating income to assets | 0.6953% | 3,291 |
| Return on assets (ROA) | 0.6953% | 3,357 |
| Pretax return on assets | 0.7071% | 3,663 |
| Return on Equity (ROE) | 6.3051% | 3,201 |
| Retained earnings to average equity (ytd only) | 3.0991% | 3,039 |
| Net charge-offs to loans | 0.2117% | 661 |
| Credit loss provision to net charge-offs | 22.2222% | 2,191 |
| Earnings coverage of net charge-offs (x) | 6.8889% | 1,961 |
| Efficiency ratio | 79.4020% | 1,200 |
| Assets per employee ($millions) | 4.2140% | 3,640 |
| Cash dividends to net income (ytd only)* | 50.8475% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2085% | 368 |
| Loan loss allowance to noncurrent loans | 1,033.3333% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.2076% | 3,646 |
| Noncurrent loans to loans | 0.2137% | 3,711 |
| Net loans and leases to total assets | 48.8609% | 4,295 |
| Net loans and leases to deposits | 56.1399% | 4,361 |
| Net loans and leases to core deposits | 58.1454% | 4,428 |
| Total domestic deposits to total assets | 87.0343% | 1,539 |
| Equity capital to assets | 11.1474% | 2,729 |
| Core capital (leverage) ratio | 11.1586% | 2,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $33,942,000 | 4,930 |
| Average earning assets | $31,324,500 | 4,918 |
| Average equity | $3,743,000 | 4,961 |
| Average total loans | $17,007,500 | 4,867 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0308% | 4,186 |
| Cost of funding earning assets | 0.3288% | 4,656 |
| Net interest margin | 3.7019% | 2,812 |
| Noninterest income to average assets | 0.5078% | 2,685 |
| Noninterest expense to average assets | 2.7781% | 2,674 |
| Loan and lease loss provision to assets | 0.0478% | 3,071 |
| Net operating income to assets | 1.0694% | 2,580 |
| Return on assets (ROA) | 1.0694% | 2,680 |
| Pretax return on assets | 1.0784% | 3,237 |
| Return on Equity (ROE) | 9.9516% | 2,315 |
| Retained earnings to average equity (ytd only) | 6.0599% | 1,836 |
| Net charge-offs to loans | -0.0341% | 4,740 |
| Credit loss provision to net charge-offs | -266.6667% | 4,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1553% | 1,997 |
| Assets per employee ($millions) | 4.8817% | 2,729 |
| Cash dividends to net income (ytd only)* | 39.1061% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2072% | 327 |
| Loan loss allowance to noncurrent loans | 1,024.3243% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.2078% | 3,634 |
| Noncurrent loans to loans | 0.2155% | 3,684 |
| Net loans and leases to total assets | 49.1396% | 4,366 |
| Net loans and leases to deposits | 56.3263% | 4,444 |
| Net loans and leases to core deposits | 58.2975% | 4,507 |
| Total domestic deposits to total assets | 87.2410% | 1,491 |
| Equity capital to assets | 10.9095% | 3,084 |
| Core capital (leverage) ratio | 11.4079% | 2,183 |
| Tier 1 risk-based capital ratio | 25.6520% | 705 |
| Total risk-based capital ratio | 26.9180% | 687 |
| Memoranda: | ||
| Average total assets | $33,476,000 | 4,984 |
| Average earning assets | $30,713,800 | 4,976 |
| Average equity | $3,597,400 | 5,026 |
| Average total loans | $17,571,800 | 4,919 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0618% | 4,234 |
| Cost of funding earning assets | 0.3312% | 4,718 |
| Net interest margin | 3.7306% | 2,820 |
| Noninterest income to average assets | 0.4524% | 3,006 |
| Noninterest expense to average assets | 2.7825% | 2,615 |
| Loan and lease loss provision to assets | 0.0641% | 2,609 |
| Net operating income to assets | 1.0249% | 2,888 |
| Return on assets (ROA) | 1.0249% | 2,964 |
| Pretax return on assets | 1.0329% | 3,493 |
| Return on Equity (ROE) | 9.5749% | 2,634 |
| Retained earnings to average equity (ytd only) | 4.3386% | 3,225 |
| Net charge-offs to loans | -0.1660% | 5,086 |
| Credit loss provision to net charge-offs | -72.7273% | 4,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7234% | 1,882 |
| Assets per employee ($millions) | 4.0991% | 3,759 |
| Cash dividends to net income (ytd only)* | 54.6877% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2216% | 324 |
| Loan loss allowance to noncurrent loans | 745.2830% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.2653% | 3,493 |
| Noncurrent loans to loans | 0.2981% | 3,471 |
| Net loans and leases to total assets | 53.0144% | 4,254 |
| Net loans and leases to deposits | 60.9508% | 4,344 |
| Net loans and leases to core deposits | 63.1745% | 4,421 |
| Total domestic deposits to total assets | 86.9789% | 1,532 |
| Equity capital to assets | 11.0572% | 3,048 |
| Core capital (leverage) ratio | 11.3019% | 2,376 |
| Tier 1 risk-based capital ratio | 24.0053% | 838 |
| Total risk-based capital ratio | 25.2698% | 825 |
| Memoranda: | ||
| Average total assets | $33,302,000 | 5,063 |
| Average earning assets | $30,593,000 | 5,052 |
| Average equity | $3,564,750 | 5,103 |
| Average total loans | $17,672,000 | 4,988 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9641% | 4,449 |
| Cost of funding earning assets | 0.3174% | 4,777 |
| Net interest margin | 3.6467% | 3,111 |
| Noninterest income to average assets | 0.4422% | 3,001 |
| Noninterest expense to average assets | 2.7486% | 2,756 |
| Loan and lease loss provision to assets | 0.0717% | 2,380 |
| Net operating income to assets | 0.9799% | 2,993 |
| Return on assets (ROA) | 0.9799% | 3,061 |
| Pretax return on assets | 0.9859% | 3,597 |
| Return on Equity (ROE) | 9.2542% | 2,754 |
| Retained earnings to average equity (ytd only) | 3.6114% | 3,443 |
| Net charge-offs to loans | -0.0113% | 4,364 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2135% | 1,886 |
| Assets per employee ($millions) | 4.7013% | 2,878 |
| Cash dividends to net income (ytd only)* | 60.9756% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1008% | 395 |
| Loan loss allowance to noncurrent loans | 238.0645% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.5591% | 2,344 |
| Noncurrent loans to loans | 0.8824% | 1,842 |
| Net loans and leases to total assets | 52.2532% | 4,337 |
| Net loans and leases to deposits | 59.8892% | 4,434 |
| Net loans and leases to core deposits | 62.0503% | 4,501 |
| Total domestic deposits to total assets | 87.2497% | 1,464 |
| Equity capital to assets | 10.8633% | 3,212 |
| Core capital (leverage) ratio | 10.9818% | 2,617 |
| Tier 1 risk-based capital ratio | 23.8572% | 860 |
| Total risk-based capital ratio | 25.1251% | 841 |
| Memoranda: | ||
| Average total assets | $33,471,670 | 5,101 |
| Average earning assets | $30,877,330 | 5,089 |
| Average equity | $3,544,330 | 5,146 |
| Average total loans | $17,636,000 | 5,033 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8946% | 4,558 |
| Cost of funding earning assets | 0.3095% | 4,819 |
| Net interest margin | 3.5851% | 3,303 |
| Noninterest income to average assets | 0.5096% | 2,496 |
| Noninterest expense to average assets | 2.8679% | 2,364 |
| Loan and lease loss provision to assets | 0.0711% | 2,241 |
| Net operating income to assets | 0.8533% | 3,437 |
| Return on assets (ROA) | 0.8533% | 3,480 |
| Pretax return on assets | 0.8651% | 3,880 |
| Return on Equity (ROE) | 8.1610% | 3,186 |
| Retained earnings to average equity (ytd only) | 4.1938% | 3,242 |
| Net charge-offs to loans | -0.0226% | 4,534 |
| Credit loss provision to net charge-offs | -600.0000% | 3,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3894% | 1,568 |
| Assets per employee ($millions) | 4.1335% | 3,720 |
| Cash dividends to net income (ytd only)* | 48.6111% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0531% | 452 |
| Loan loss allowance to noncurrent loans | 224.6914% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.5776% | 2,342 |
| Noncurrent loans to loans | 0.9138% | 1,830 |
| Net loans and leases to total assets | 52.5130% | 4,305 |
| Net loans and leases to deposits | 60.0325% | 4,411 |
| Net loans and leases to core deposits | 60.8743% | 4,537 |
| Total domestic deposits to total assets | 87.4743% | 1,577 |
| Equity capital to assets | 10.7264% | 3,136 |
| Core capital (leverage) ratio | 10.7684% | 2,788 |
| Tier 1 risk-based capital ratio | 23.6168% | 872 |
| Total risk-based capital ratio | 24.8818% | 850 |
| Memoranda: | ||
| Average total assets | $33,753,000 | 5,150 |
| Average earning assets | $31,017,000 | 5,137 |
| Average equity | $3,529,000 | 5,199 |
| Average total loans | $17,671,500 | 5,088 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7450% | 4,598 |
| Cost of funding earning assets | 0.2691% | 4,714 |
| Net interest margin | 3.4759% | 3,784 |
| Noninterest income to average assets | 0.4262% | 3,267 |
| Noninterest expense to average assets | 2.5836% | 3,385 |
| Loan and lease loss provision to assets | 0.1065% | 2,071 |
| Net operating income to assets | 0.9411% | 3,283 |
| Return on assets (ROA) | 0.9411% | 3,270 |
| Pretax return on assets | 0.9470% | 3,769 |
| Return on Equity (ROE) | 9.3222% | 2,826 |
| Retained earnings to average equity (ytd only) | 5.2181% | 2,654 |
| Net charge-offs to loans | 0.0787% | 2,002 |
| Credit loss provision to net charge-offs | 257.1429% | 1,161 |
| Earnings coverage of net charge-offs (x) | 25.4286% | 1,772 |
| Efficiency ratio | 71.0334% | 2,039 |
| Assets per employee ($millions) | 4.3048% | 3,454 |
| Cash dividends to net income (ytd only)* | 44.0252% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0268% | 451 |
| Loan loss allowance to noncurrent loans | 212.5000% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.5720% | 2,328 |
| Noncurrent loans to loans | 0.9538% | 1,692 |
| Net loans and leases to total assets | 50.1103% | 4,511 |
| Net loans and leases to deposits | 56.9237% | 4,622 |
| Net loans and leases to core deposits | 56.9237% | 4,747 |
| Total domestic deposits to total assets | 88.0307% | 1,284 |
| Equity capital to assets | 10.1951% | 3,474 |
| Core capital (leverage) ratio | 10.7597% | 2,777 |
| Tier 1 risk-based capital ratio | 22.6516% | 948 |
| Total risk-based capital ratio | 23.9161% | 923 |
| Memoranda: | ||
| Average total assets | $33,790,200 | 5,194 |
| Average earning assets | $31,215,000 | 5,181 |
| Average equity | $3,411,200 | 5,245 |
| Average total loans | $17,795,800 | 5,125 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6882% | 4,673 |
| Cost of funding earning assets | 0.2650% | 4,704 |
| Net interest margin | 3.4232% | 3,936 |
| Noninterest income to average assets | 0.4282% | 3,294 |
| Noninterest expense to average assets | 2.5296% | 3,502 |
| Loan and lease loss provision to assets | 0.1071% | 1,870 |
| Net operating income to assets | 0.9595% | 3,269 |
| Return on assets (ROA) | 0.9595% | 3,282 |
| Pretax return on assets | 0.9674% | 3,828 |
| Return on Equity (ROE) | 9.5285% | 2,832 |
| Retained earnings to average equity (ytd only) | 4.4099% | 3,551 |
| Net charge-offs to loans | 0.1046% | 1,438 |
| Credit loss provision to net charge-offs | 192.8571% | 1,424 |
| Earnings coverage of net charge-offs (x) | 19.3530% | 2,010 |
| Efficiency ratio | 70.1870% | 2,161 |
| Assets per employee ($millions) | 4.0876% | 3,750 |
| Cash dividends to net income (ytd only)* | 53.7191% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9513% | 532 |
| Loan loss allowance to noncurrent loans | 204.7059% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.6085% | 2,357 |
| Noncurrent loans to loans | 0.9532% | 1,786 |
| Net loans and leases to total assets | 53.4724% | 4,395 |
| Net loans and leases to deposits | 61.0651% | 4,490 |
| Net loans and leases to core deposits | 61.0651% | 4,659 |
| Total domestic deposits to total assets | 87.5661% | 1,455 |
| Equity capital to assets | 10.5348% | 3,109 |
| Core capital (leverage) ratio | 10.5274% | 3,053 |
| Tier 1 risk-based capital ratio | 22.2072% | 1,026 |
| Total risk-based capital ratio | 23.4706% | 1,003 |
| Memoranda: | ||
| Average total assets | $33,628,250 | 5,267 |
| Average earning assets | $31,198,250 | 5,250 |
| Average equity | $3,386,250 | 5,315 |
| Average total loans | $17,841,250 | 5,184 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6308% | 4,716 |
| Cost of funding earning assets | 0.2543% | 4,730 |
| Net interest margin | 3.3764% | 4,034 |
| Noninterest income to average assets | 0.4066% | 3,438 |
| Noninterest expense to average assets | 2.5282% | 3,554 |
| Loan and lease loss provision to assets | 0.1061% | 1,841 |
| Net operating income to assets | 0.8958% | 3,471 |
| Return on assets (ROA) | 0.8958% | 3,480 |
| Pretax return on assets | 0.9017% | 3,959 |
| Return on Equity (ROE) | 9.0297% | 3,004 |
| Retained earnings to average equity (ytd only) | 3.3861% | 3,887 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5000% | 2,088 |
| Assets per employee ($millions) | 4.0798% | 3,762 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9843% | 532 |
| Loan loss allowance to noncurrent loans | 190.8108% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.6465% | 2,292 |
| Noncurrent loans to loans | 1.0399% | 1,687 |
| Net loans and leases to total assets | 53.4255% | 4,382 |
| Net loans and leases to deposits | 60.8749% | 4,485 |
| Net loans and leases to core deposits | 61.4130% | 4,636 |
| Total domestic deposits to total assets | 87.7627% | 1,498 |
| Equity capital to assets | 10.3836% | 3,233 |
| Core capital (leverage) ratio | 10.2691% | 3,266 |
| Tier 1 risk-based capital ratio | 21.8012% | 1,065 |
| Total risk-based capital ratio | 23.0621% | 1,039 |
| Memoranda: | ||
| Average total assets | $33,937,330 | 5,325 |
| Average earning assets | $31,453,330 | 5,314 |
| Average equity | $3,366,670 | 5,377 |
| Average total loans | $17,843,670 | 5,243 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5252% | 4,834 |
| Cost of funding earning assets | 0.2500% | 4,708 |
| Net interest margin | 3.2752% | 4,252 |
| Noninterest income to average assets | 0.3932% | 3,518 |
| Noninterest expense to average assets | 2.3708% | 4,017 |
| Loan and lease loss provision to assets | 0.1041% | 1,782 |
| Net operating income to assets | 0.9368% | 3,125 |
| Return on assets (ROA) | 0.9368% | 3,142 |
| Pretax return on assets | 0.9483% | 3,709 |
| Return on Equity (ROE) | 9.6558% | 2,606 |
| Retained earnings to average equity (ytd only) | 5.4835% | 2,960 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2568% | 2,623 |
| Assets per employee ($millions) | 4.4221% | 3,288 |
| Cash dividends to net income (ytd only)* | 43.2099% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9601% | 588 |
| Loan loss allowance to noncurrent loans | 201.1696% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 0.5569% | 2,664 |
| Noncurrent loans to loans | 0.9744% | 1,870 |
| Net loans and leases to total assets | 48.6361% | 4,653 |
| Net loans and leases to deposits | 54.7718% | 4,760 |
| Net loans and leases to core deposits | 55.2129% | 4,864 |
| Total domestic deposits to total assets | 88.7978% | 1,208 |
| Equity capital to assets | 9.5514% | 4,042 |
| Core capital (leverage) ratio | 9.7070% | 3,838 |
| Tier 1 risk-based capital ratio | 22.3110% | 1,014 |
| Total risk-based capital ratio | 23.5721% | 993 |
| Memoranda: | ||
| Average total assets | $34,587,000 | 5,370 |
| Average earning assets | $31,998,500 | 5,351 |
| Average equity | $3,355,500 | 5,432 |
| Average total loans | $17,870,500 | 5,301 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6106% | 4,553 |
| Cost of funding earning assets | 0.2677% | 4,418 |
| Net interest margin | 3.3429% | 4,032 |
| Noninterest income to average assets | 0.4957% | 3,029 |
| Noninterest expense to average assets | 2.5570% | 3,586 |
| Loan and lease loss provision to assets | 0.1239% | 1,846 |
| Net operating income to assets | 0.9037% | 2,692 |
| Return on assets (ROA) | 0.9037% | 2,718 |
| Pretax return on assets | 0.9098% | 3,889 |
| Return on Equity (ROE) | 9.2696% | 2,186 |
| Retained earnings to average equity (ytd only) | 5.3633% | 1,892 |
| Net charge-offs to loans | 0.1104% | 1,965 |
| Credit loss provision to net charge-offs | 205.0000% | 1,333 |
| Earnings coverage of net charge-offs (x) | 17.1000% | 2,148 |
| Efficiency ratio | 71.2121% | 2,355 |
| Assets per employee ($millions) | 4.2246% | 3,619 |
| Cash dividends to net income (ytd only)* | 42.1405% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8416% | 720 |
| Loan loss allowance to noncurrent loans | 193.6416% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.5888% | 2,587 |
| Noncurrent loans to loans | 0.9510% | 1,867 |
| Net loans and leases to total assets | 52.8331% | 4,456 |
| Net loans and leases to deposits | 59.8411% | 4,574 |
| Net loans and leases to core deposits | 59.8411% | 4,764 |
| Total domestic deposits to total assets | 88.2889% | 1,352 |
| Equity capital to assets | 9.8589% | 3,863 |
| Core capital (leverage) ratio | 10.2127% | 3,174 |
| Tier 1 risk-based capital ratio | 21.0939% | 1,133 |
| Total risk-based capital ratio | 22.3538% | 1,105 |
| Memoranda: | ||
| Average total assets | $33,086,000 | 5,451 |
| Average earning assets | $30,632,000 | 5,431 |
| Average equity | $3,225,600 | 5,507 |
| Average total loans | $18,114,800 | 5,357 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5780% | 4,613 |
| Cost of funding earning assets | 0.2705% | 4,403 |
| Net interest margin | 3.3075% | 4,149 |
| Noninterest income to average assets | 0.5186% | 2,907 |
| Noninterest expense to average assets | 2.5079% | 3,705 |
| Loan and lease loss provision to assets | 0.1297% | 1,671 |
| Net operating income to assets | 0.9440% | 2,812 |
| Return on assets (ROA) | 0.9440% | 2,872 |
| Pretax return on assets | 0.9521% | 3,859 |
| Return on Equity (ROE) | 9.7112% | 2,250 |
| Retained earnings to average equity (ytd only) | 4.4595% | 3,245 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8646% | 2,557 |
| Assets per employee ($millions) | 4.1290% | 3,773 |
| Cash dividends to net income (ytd only)* | 54.0784% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8654% | 755 |
| Loan loss allowance to noncurrent loans | 86.9347% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 1.2049% | 1,366 |
| Noncurrent loans to loans | 2.1458% | 765 |
| Net loans and leases to total assets | 55.1041% | 4,312 |
| Net loans and leases to deposits | 62.4747% | 4,480 |
| Net loans and leases to core deposits | 62.4747% | 4,683 |
| Total domestic deposits to total assets | 88.2023% | 1,258 |
| Equity capital to assets | 9.8874% | 4,039 |
| Core capital (leverage) ratio | 10.1621% | 3,361 |
| Tier 1 risk-based capital ratio | 20.0135% | 1,359 |
| Total risk-based capital ratio | 21.2758% | 1,323 |
| Memoranda: | ||
| Average total assets | $32,908,250 | 5,512 |
| Average earning assets | $30,556,250 | 5,493 |
| Average equity | $3,199,000 | 5,574 |
| Average total loans | $18,095,750 | 5,413 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5385% | 4,660 |
| Cost of funding earning assets | 0.2752% | 4,334 |
| Net interest margin | 3.2633% | 4,228 |
| Noninterest income to average assets | 0.5537% | 2,691 |
| Noninterest expense to average assets | 2.5618% | 3,545 |
| Loan and lease loss provision to assets | 0.1400% | 1,469 |
| Net operating income to assets | 0.8763% | 3,038 |
| Return on assets (ROA) | 0.8763% | 3,095 |
| Pretax return on assets | 0.8823% | 3,986 |
| Return on Equity (ROE) | 9.0661% | 2,479 |
| Retained earnings to average equity (ytd only) | 2.7702% | 4,049 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4771% | 2,442 |
| Assets per employee ($millions) | 4.0014% | 3,954 |
| Cash dividends to net income (ytd only)* | 69.4444% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8771% | 755 |
| Loan loss allowance to noncurrent loans | 97.3988% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 1.0809% | 1,618 |
| Noncurrent loans to loans | 1.9273% | 895 |
| Net loans and leases to total assets | 55.0311% | 4,308 |
| Net loans and leases to deposits | 62.4880% | 4,470 |
| Net loans and leases to core deposits | 62.4880% | 4,694 |
| Total domestic deposits to total assets | 88.0666% | 1,423 |
| Equity capital to assets | 10.0059% | 3,903 |
| Core capital (leverage) ratio | 10.0726% | 3,441 |
| Tier 1 risk-based capital ratio | 19.8956% | 1,385 |
| Total risk-based capital ratio | 21.1566% | 1,349 |
| Memoranda: | ||
| Average total assets | $32,867,000 | 5,560 |
| Average earning assets | $30,521,000 | 5,539 |
| Average equity | $3,176,670 | 5,621 |
| Average total loans | $17,945,000 | 5,464 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4765% | 4,758 |
| Cost of funding earning assets | 0.2724% | 4,332 |
| Net interest margin | 3.2041% | 4,332 |
| Noninterest income to average assets | 0.5286% | 2,775 |
| Noninterest expense to average assets | 2.6310% | 3,376 |
| Loan and lease loss provision to assets | 0.1442% | 1,300 |
| Net operating income to assets | 0.7088% | 3,669 |
| Return on assets (ROA) | 0.7088% | 3,708 |
| Pretax return on assets | 0.7208% | 4,383 |
| Return on Equity (ROE) | 7.4601% | 3,179 |
| Retained earnings to average equity (ytd only) | 1.1380% | 4,606 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2577% | 2,026 |
| Assets per employee ($millions) | 4.0841% | 3,869 |
| Cash dividends to net income (ytd only)* | 84.7458% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8258% | 912 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.4989% | 3,226 |
| Noncurrent loans to loans | 0.9129% | 2,209 |
| Net loans and leases to total assets | 53.6498% | 4,366 |
| Net loans and leases to deposits | 60.6435% | 4,522 |
| Net loans and leases to core deposits | 61.5161% | 4,688 |
| Total domestic deposits to total assets | 88.4675% | 1,445 |
| Equity capital to assets | 9.6961% | 4,069 |
| Core capital (leverage) ratio | 9.5313% | 4,082 |
| Tier 1 risk-based capital ratio | 20.1156% | 1,367 |
| Total risk-based capital ratio | 21.3728% | 1,335 |
| Memoranda: | ||
| Average total assets | $33,295,000 | 5,617 |
| Average earning assets | $30,835,500 | 5,599 |
| Average equity | $3,163,500 | 5,682 |
| Average total loans | $17,941,000 | 5,525 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5868% | 4,544 |
| Cost of funding earning assets | 0.2978% | 4,088 |
| Net interest margin | 3.2890% | 4,175 |
| Noninterest income to average assets | 0.4269% | 3,700 |
| Noninterest expense to average assets | 2.5252% | 3,936 |
| Loan and lease loss provision to assets | 0.1817% | 1,309 |
| Net operating income to assets | 0.7570% | 3,504 |
| Return on assets (ROA) | 0.7570% | 3,620 |
| Pretax return on assets | 0.7630% | 4,292 |
| Return on Equity (ROE) | 8.1407% | 2,867 |
| Retained earnings to average equity (ytd only) | 4.6239% | 2,613 |
| Net charge-offs to loans | 0.0163% | 3,755 |
| Credit loss provision to net charge-offs | 2,000.0000% | 214 |
| Earnings coverage of net charge-offs (x) | 104.0000% | 581 |
| Efficiency ratio | 72.7749% | 2,464 |
| Assets per employee ($millions) | 4.2396% | 3,546 |
| Cash dividends to net income (ytd only)* | 43.2000% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7418% | 1,055 |
| Loan loss allowance to noncurrent loans | 191.4634% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 0.4835% | 3,329 |
| Noncurrent loans to loans | 0.9097% | 2,278 |
| Net loans and leases to total assets | 52.2245% | 4,587 |
| Net loans and leases to deposits | 58.7847% | 4,748 |
| Net loans and leases to core deposits | 59.5795% | 4,880 |
| Total domestic deposits to total assets | 88.8404% | 1,186 |
| Equity capital to assets | 9.3139% | 4,460 |
| Core capital (leverage) ratio | 9.4942% | 4,090 |
| Tier 1 risk-based capital ratio | 19.6138% | 1,448 |
| Total risk-based capital ratio | 20.8742% | 1,410 |
| Memoranda: | ||
| Average total assets | $33,027,000 | 5,673 |
| Average earning assets | $30,556,400 | 5,653 |
| Average equity | $3,071,000 | 5,752 |
| Average total loans | $18,430,200 | 5,560 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5824% | 4,599 |
| Cost of funding earning assets | 0.3026% | 4,066 |
| Net interest margin | 3.2799% | 4,257 |
| Noninterest income to average assets | 0.4227% | 3,747 |
| Noninterest expense to average assets | 2.5850% | 3,716 |
| Loan and lease loss provision to assets | 0.1829% | 1,204 |
| Net operating income to assets | 0.6869% | 3,924 |
| Return on assets (ROA) | 0.6869% | 4,053 |
| Pretax return on assets | 0.6950% | 4,624 |
| Return on Equity (ROE) | 7.3903% | 3,358 |
| Retained earnings to average equity (ytd only) | 2.6674% | 4,310 |
| Net charge-offs to loans | 0.0216% | 3,255 |
| Credit loss provision to net charge-offs | 1,500.0000% | 305 |
| Earnings coverage of net charge-offs (x) | 71.9975% | 843 |
| Efficiency ratio | 74.6479% | 2,164 |
| Assets per employee ($millions) | 4.0593% | 3,856 |
| Cash dividends to net income (ytd only)* | 63.9063% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5990% | 1,476 |
| Loan loss allowance to noncurrent loans | 119.6000% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 0.7698% | 2,624 |
| Noncurrent loans to loans | 1.3370% | 1,651 |
| Net loans and leases to total assets | 56.6607% | 4,234 |
| Net loans and leases to deposits | 63.9844% | 4,492 |
| Net loans and leases to core deposits | 64.8916% | 4,679 |
| Total domestic deposits to total assets | 88.5539% | 1,129 |
| Equity capital to assets | 9.4784% | 4,680 |
| Core capital (leverage) ratio | 9.3816% | 4,351 |
| Tier 1 risk-based capital ratio | 18.6128% | 1,758 |
| Total risk-based capital ratio | 19.8706% | 1,721 |
| Memoranda: | ||
| Average total assets | $32,804,500 | 5,740 |
| Average earning assets | $30,407,000 | 5,713 |
| Average equity | $3,049,000 | 5,815 |
| Average total loans | $18,531,000 | 5,612 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5546% | 4,724 |
| Cost of funding earning assets | 0.3028% | 4,097 |
| Net interest margin | 3.2518% | 4,370 |
| Noninterest income to average assets | 0.3828% | 4,004 |
| Noninterest expense to average assets | 2.5338% | 3,935 |
| Loan and lease loss provision to assets | 0.1823% | 1,196 |
| Net operating income to assets | 0.6623% | 3,988 |
| Return on assets (ROA) | 0.6623% | 4,132 |
| Pretax return on assets | 0.6684% | 4,718 |
| Return on Equity (ROE) | 7.1726% | 3,445 |
| Retained earnings to average equity (ytd only) | 2.2373% | 4,453 |
| Net charge-offs to loans | 0.0325% | 2,805 |
| Credit loss provision to net charge-offs | 1,000.0000% | 373 |
| Earnings coverage of net charge-offs (x) | 46.6667% | 1,037 |
| Efficiency ratio | 74.8654% | 2,236 |
| Assets per employee ($millions) | 4.0923% | 3,749 |
| Cash dividends to net income (ytd only)* | 68.8073% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4940% | 1,883 |
| Loan loss allowance to noncurrent loans | 170.0599% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 0.5101% | 3,511 |
| Noncurrent loans to loans | 0.8785% | 2,538 |
| Net loans and leases to total assets | 57.1996% | 4,198 |
| Net loans and leases to deposits | 64.4280% | 4,462 |
| Net loans and leases to core deposits | 65.3271% | 4,658 |
| Total domestic deposits to total assets | 88.7806% | 1,023 |
| Equity capital to assets | 9.3194% | 4,956 |
| Core capital (leverage) ratio | 9.2612% | 4,505 |
| Tier 1 risk-based capital ratio | 18.5145% | 1,797 |
| Total risk-based capital ratio | 19.7706% | 1,760 |
| Memoranda: | ||
| Average total assets | $32,914,670 | 5,800 |
| Average earning assets | $30,383,330 | 5,781 |
| Average equity | $3,039,330 | 5,889 |
| Average total loans | $18,475,000 | 5,682 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4980% | 4,899 |
| Cost of funding earning assets | 0.3036% | 4,119 |
| Net interest margin | 3.1944% | 4,600 |
| Noninterest income to average assets | 0.3757% | 4,032 |
| Noninterest expense to average assets | 2.4240% | 4,302 |
| Loan and lease loss provision to assets | 0.1818% | 1,108 |
| Net operating income to assets | 0.7030% | 3,694 |
| Return on assets (ROA) | 0.7030% | 3,812 |
| Pretax return on assets | 0.7030% | 4,518 |
| Return on Equity (ROE) | 7.6479% | 3,110 |
| Retained earnings to average equity (ytd only) | 4.3514% | 3,302 |
| Net charge-offs to loans | 0.0659% | 1,835 |
| Credit loss provision to net charge-offs | 500.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 24.3333% | 1,334 |
| Efficiency ratio | 73.2601% | 2,598 |
| Assets per employee ($millions) | 3.7330% | 4,419 |
| Cash dividends to net income (ytd only)* | 43.1034% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4838% | 2,058 |
| Loan loss allowance to noncurrent loans | 161.0778% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 0.4971% | 3,617 |
| Noncurrent loans to loans | 0.9212% | 2,547 |
| Net loans and leases to total assets | 53.1595% | 4,523 |
| Net loans and leases to deposits | 59.6407% | 4,740 |
| Net loans and leases to core deposits | 60.4481% | 4,908 |
| Total domestic deposits to total assets | 89.1330% | 1,031 |
| Equity capital to assets | 9.0782% | 5,102 |
| Core capital (leverage) ratio | 9.2928% | 4,498 |
| Tier 1 risk-based capital ratio | 17.3601% | 2,168 |
| Total risk-based capital ratio | 18.6123% | 2,137 |
| Memoranda: | ||
| Average total assets | $33,003,000 | 5,863 |
| Average earning assets | $30,303,000 | 5,842 |
| Average equity | $3,033,500 | 5,943 |
| Average total loans | $18,207,500 | 5,741 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6326% | 4,581 |
| Cost of funding earning assets | 0.3090% | 4,154 |
| Net interest margin | 3.3236% | 4,203 |
| Noninterest income to average assets | 0.4618% | 3,583 |
| Noninterest expense to average assets | 2.5917% | 3,955 |
| Loan and lease loss provision to assets | 0.1728% | 1,321 |
| Net operating income to assets | 0.7351% | 3,647 |
| Return on assets (ROA) | 0.7351% | 3,740 |
| Pretax return on assets | 0.7382% | 4,408 |
| Return on Equity (ROE) | 7.9231% | 2,993 |
| Retained earnings to average equity (ytd only) | 3.3859% | 3,641 |
| Net charge-offs to loans | 0.0953% | 2,471 |
| Credit loss provision to net charge-offs | 305.5556% | 970 |
| Earnings coverage of net charge-offs (x) | 16.1111% | 2,154 |
| Efficiency ratio | 73.9910% | 2,579 |
| Assets per employee ($millions) | 4.0511% | 3,844 |
| Cash dividends to net income (ytd only)* | 57.2650% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4054% | 2,393 |
| Loan loss allowance to noncurrent loans | 152.9762% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 0.5184% | 3,565 |
| Noncurrent loans to loans | 0.9187% | 2,502 |
| Net loans and leases to total assets | 55.6296% | 4,325 |
| Net loans and leases to deposits | 62.6747% | 4,582 |
| Net loans and leases to core deposits | 62.6747% | 4,831 |
| Total domestic deposits to total assets | 88.7593% | 1,254 |
| Equity capital to assets | 9.3091% | 4,777 |
| Core capital (leverage) ratio | 9.6120% | 4,034 |
| Tier 1 risk-based capital ratio | 17.4888% | 2,129 |
| Total risk-based capital ratio | 18.7467% | 2,075 |
| Memoranda: | ||
| Average total assets | $31,832,600 | 5,931 |
| Average earning assets | $29,125,400 | 5,918 |
| Average equity | $2,953,400 | 6,010 |
| Average total loans | $18,882,200 | 5,767 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6395% | 4,609 |
| Cost of funding earning assets | 0.3121% | 4,198 |
| Net interest margin | 3.3274% | 4,229 |
| Noninterest income to average assets | 0.4670% | 3,588 |
| Noninterest expense to average assets | 2.5792% | 3,948 |
| Loan and lease loss provision to assets | 0.1683% | 1,250 |
| Net operating income to assets | 0.7658% | 3,608 |
| Return on assets (ROA) | 0.7658% | 3,703 |
| Pretax return on assets | 0.7700% | 4,427 |
| Return on Equity (ROE) | 8.2608% | 2,940 |
| Retained earnings to average equity (ytd only) | 2.1787% | 4,800 |
| Net charge-offs to loans | 0.0420% | 3,043 |
| Credit loss provision to net charge-offs | 666.6667% | 511 |
| Earnings coverage of net charge-offs (x) | 37.1663% | 1,312 |
| Efficiency ratio | 73.3254% | 2,662 |
| Assets per employee ($millions) | 3.8714% | 4,134 |
| Cash dividends to net income (ytd only)* | 73.6256% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3695% | 2,742 |
| Loan loss allowance to noncurrent loans | 103.2520% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 0.7943% | 2,898 |
| Noncurrent loans to loans | 1.3264% | 1,926 |
| Net loans and leases to total assets | 59.0649% | 4,005 |
| Net loans and leases to deposits | 66.8457% | 4,293 |
| Net loans and leases to core deposits | 66.8457% | 4,634 |
| Total domestic deposits to total assets | 88.3601% | 1,370 |
| Equity capital to assets | 9.5702% | 4,668 |
| Core capital (leverage) ratio | 9.6093% | 4,153 |
| Tier 1 risk-based capital ratio | 16.9449% | 2,399 |
| Total risk-based capital ratio | 18.1969% | 2,343 |
| Memoranda: | ||
| Average total assets | $31,688,500 | 6,012 |
| Average earning assets | $29,051,250 | 5,996 |
| Average equity | $2,937,500 | 6,092 |
| Average total loans | $19,031,250 | 5,828 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5950% | 4,727 |
| Cost of funding earning assets | 0.3076% | 4,318 |
| Net interest margin | 3.2874% | 4,346 |
| Noninterest income to average assets | 0.4573% | 3,651 |
| Noninterest expense to average assets | 2.6184% | 3,857 |
| Loan and lease loss provision to assets | 0.1566% | 1,363 |
| Net operating income to assets | 0.6891% | 3,942 |
| Return on assets (ROA) | 0.6891% | 4,055 |
| Pretax return on assets | 0.6953% | 4,669 |
| Return on Equity (ROE) | 7.5119% | 3,315 |
| Retained earnings to average equity (ytd only) | 0.4097% | 5,384 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4513% | 2,459 |
| Assets per employee ($millions) | 3.9889% | 3,905 |
| Cash dividends to net income (ytd only)* | 94.5455% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2902% | 3,297 |
| Loan loss allowance to noncurrent loans | 105.1502% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 0.7302% | 3,190 |
| Noncurrent loans to loans | 1.2270% | 2,201 |
| Net loans and leases to total assets | 58.7384% | 4,014 |
| Net loans and leases to deposits | 66.0838% | 4,332 |
| Net loans and leases to core deposits | 66.0838% | 4,646 |
| Total domestic deposits to total assets | 88.8847% | 1,197 |
| Equity capital to assets | 9.1536% | 5,081 |
| Core capital (leverage) ratio | 9.3238% | 4,521 |
| Tier 1 risk-based capital ratio | 16.8668% | 2,457 |
| Total risk-based capital ratio | 18.1194% | 2,411 |
| Memoranda: | ||
| Average total assets | $31,927,670 | 6,076 |
| Average earning assets | $29,263,000 | 6,056 |
| Average equity | $2,928,670 | 6,156 |
| Average total loans | $19,192,670 | 5,884 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5852% | 4,735 |
| Cost of funding earning assets | 0.3159% | 4,265 |
| Net interest margin | 3.2693% | 4,347 |
| Noninterest income to average assets | 0.4133% | 3,893 |
| Noninterest expense to average assets | 2.5676% | 4,040 |
| Loan and lease loss provision to assets | 0.1253% | 1,658 |
| Net operating income to assets | 0.7014% | 3,788 |
| Return on assets (ROA) | 0.7014% | 3,918 |
| Pretax return on assets | 0.7014% | 4,585 |
| Return on Equity (ROE) | 7.6385% | 3,142 |
| Retained earnings to average equity (ytd only) | 4.9105% | 3,105 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6458% | 2,560 |
| Assets per employee ($millions) | 4.0120% | 3,935 |
| Cash dividends to net income (ytd only)* | 35.7143% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2015% | 3,971 |
| Loan loss allowance to noncurrent loans | 92.7419% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 0.9409% | 2,744 |
| Noncurrent loans to loans | 1.2955% | 2,220 |
| Net loans and leases to total assets | 58.9263% | 3,808 |
| Net loans and leases to deposits | 66.2754% | 4,123 |
| Net loans and leases to core deposits | 66.2754% | 4,493 |
| Total domestic deposits to total assets | 88.9114% | 1,330 |
| Equity capital to assets | 9.1943% | 5,091 |
| Core capital (leverage) ratio | 9.3291% | 4,525 |
| Tier 1 risk-based capital ratio | 16.8869% | 2,526 |
| Total risk-based capital ratio | 18.1340% | 2,477 |
| Memoranda: | ||
| Average total assets | $31,936,000 | 6,141 |
| Average earning assets | $29,119,500 | 6,123 |
| Average equity | $2,932,500 | 6,220 |
| Average total loans | $19,294,500 | 5,926 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7927% | 4,518 |
| Cost of funding earning assets | 0.3561% | 4,188 |
| Net interest margin | 3.4365% | 4,037 |
| Noninterest income to average assets | 0.4631% | 3,758 |
| Noninterest expense to average assets | 2.6745% | 3,962 |
| Loan and lease loss provision to assets | 0.1892% | 1,353 |
| Net operating income to assets | 0.7436% | 3,657 |
| Return on assets (ROA) | 0.7436% | 3,760 |
| Pretax return on assets | 0.7469% | 4,455 |
| Return on Equity (ROE) | 8.0777% | 3,087 |
| Retained earnings to average equity (ytd only) | 5.0663% | 2,553 |
| Net charge-offs to loans | 0.4900% | 845 |
| Credit loss provision to net charge-offs | 59.7938% | 3,291 |
| Earnings coverage of net charge-offs (x) | 2.9588% | 4,019 |
| Efficiency ratio | 74.0741% | 2,823 |
| Assets per employee ($millions) | 3.9720% | 4,018 |
| Cash dividends to net income (ytd only)* | 37.2807% | 2,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1313% | 4,387 |
| Loan loss allowance to noncurrent loans | 611.1111% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.2329% | 5,093 |
| Noncurrent loans to loans | 0.1851% | 5,169 |
| Net loans and leases to total assets | 60.5048% | 3,715 |
| Net loans and leases to deposits | 68.1362% | 4,114 |
| Net loans and leases to core deposits | 68.1362% | 4,493 |
| Total domestic deposits to total assets | 88.7997% | 1,356 |
| Equity capital to assets | 9.1704% | 5,108 |
| Core capital (leverage) ratio | 9.4307% | 4,339 |
| Tier 1 risk-based capital ratio | 16.5833% | 2,681 |
| Total risk-based capital ratio | 17.8340% | 2,627 |
| Memoranda: | ||
| Average total assets | $30,660,000 | 6,239 |
| Average earning assets | $28,080,600 | 6,218 |
| Average equity | $2,822,600 | 6,300 |
| Average total loans | $19,794,800 | 5,968 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7800% | 4,620 |
| Cost of funding earning assets | 0.3675% | 4,150 |
| Net interest margin | 3.4125% | 4,183 |
| Noninterest income to average assets | 0.4871% | 3,636 |
| Noninterest expense to average assets | 2.6814% | 3,893 |
| Loan and lease loss provision to assets | 0.1975% | 1,213 |
| Net operating income to assets | 0.7417% | 3,717 |
| Return on assets (ROA) | 0.7417% | 3,826 |
| Pretax return on assets | 0.7461% | 4,536 |
| Return on Equity (ROE) | 8.0482% | 3,177 |
| Retained earnings to average equity (ytd only) | 4.0004% | 3,805 |
| Net charge-offs to loans | 0.3889% | 1,025 |
| Credit loss provision to net charge-offs | 77.5862% | 2,645 |
| Earnings coverage of net charge-offs (x) | 3.7070% | 3,613 |
| Efficiency ratio | 73.9709% | 2,825 |
| Assets per employee ($millions) | 3.8530% | 4,184 |
| Cash dividends to net income (ytd only)* | 50.2951% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2346% | 4,050 |
| Loan loss allowance to noncurrent loans | 431.5789% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.3147% | 5,015 |
| Noncurrent loans to loans | 0.2861% | 5,053 |
| Net loans and leases to total assets | 63.8431% | 3,197 |
| Net loans and leases to deposits | 72.0526% | 3,679 |
| Net loans and leases to core deposits | 72.0526% | 4,148 |
| Total domestic deposits to total assets | 88.6063% | 1,447 |
| Equity capital to assets | 9.2525% | 5,081 |
| Core capital (leverage) ratio | 9.4950% | 4,382 |
| Tier 1 risk-based capital ratio | 16.0427% | 3,040 |
| Total risk-based capital ratio | 17.2944% | 2,993 |
| Memoranda: | ||
| Average total assets | $30,381,000 | 6,316 |
| Average earning assets | $27,936,000 | 6,295 |
| Average equity | $2,799,750 | 6,377 |
| Average total loans | $19,882,000 | 6,032 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7569% | 4,666 |
| Cost of funding earning assets | 0.3822% | 4,075 |
| Net interest margin | 3.3748% | 4,287 |
| Noninterest income to average assets | 0.4697% | 3,719 |
| Noninterest expense to average assets | 2.7387% | 3,734 |
| Loan and lease loss provision to assets | 0.1985% | 1,221 |
| Net operating income to assets | 0.6218% | 4,238 |
| Return on assets (ROA) | 0.6218% | 4,335 |
| Pretax return on assets | 0.6284% | 4,854 |
| Return on Equity (ROE) | 6.7569% | 3,748 |
| Retained earnings to average equity (ytd only) | 2.8034% | 4,418 |
| Net charge-offs to loans | 0.5839% | 691 |
| Credit loss provision to net charge-offs | 51.7241% | 2,771 |
| Earnings coverage of net charge-offs (x) | 2.1552% | 3,619 |
| Efficiency ratio | 76.8089% | 2,485 |
| Assets per employee ($millions) | 3.7266% | 4,399 |
| Cash dividends to net income (ytd only)* | 58.5106% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1606% | 4,615 |
| Loan loss allowance to noncurrent loans | 334.7826% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.3656% | 4,928 |
| Noncurrent loans to loans | 0.3467% | 4,964 |
| Net loans and leases to total assets | 65.9880% | 2,749 |
| Net loans and leases to deposits | 74.6320% | 3,250 |
| Net loans and leases to core deposits | 74.6320% | 3,765 |
| Total domestic deposits to total assets | 88.4178% | 1,673 |
| Equity capital to assets | 9.4154% | 4,826 |
| Core capital (leverage) ratio | 9.3685% | 4,505 |
| Tier 1 risk-based capital ratio | 15.9648% | 3,110 |
| Total risk-based capital ratio | 17.2134% | 3,047 |
| Memoranda: | ||
| Average total assets | $30,233,330 | 6,378 |
| Average earning assets | $27,735,330 | 6,359 |
| Average equity | $2,782,330 | 6,433 |
| Average total loans | $19,867,670 | 6,082 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6574% | 4,986 |
| Cost of funding earning assets | 0.4016% | 3,949 |
| Net interest margin | 3.2558% | 4,721 |
| Noninterest income to average assets | 0.4336% | 3,921 |
| Noninterest expense to average assets | 2.5621% | 4,406 |
| Loan and lease loss provision to assets | 0.1971% | 1,186 |
| Net operating income to assets | 0.6570% | 3,910 |
| Return on assets (ROA) | 0.6570% | 4,010 |
| Pretax return on assets | 0.6570% | 4,642 |
| Return on Equity (ROE) | 7.2202% | 3,342 |
| Retained earnings to average equity (ytd only) | 5.0542% | 3,089 |
| Net charge-offs to loans | 0.0202% | 3,181 |
| Credit loss provision to net charge-offs | 1,500.0000% | 212 |
| Earnings coverage of net charge-offs (x) | 65.0000% | 622 |
| Efficiency ratio | 75.0000% | 2,971 |
| Assets per employee ($millions) | 3.7931% | 4,342 |
| Cash dividends to net income (ytd only)* | 30.0000% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3672% | 3,755 |
| Loan loss allowance to noncurrent loans | 96.4664% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 0.9326% | 3,392 |
| Noncurrent loans to loans | 1.4173% | 2,657 |
| Net loans and leases to total assets | 64.9036% | 2,743 |
| Net loans and leases to deposits | 73.1503% | 3,179 |
| Net loans and leases to core deposits | 73.1503% | 3,748 |
| Total domestic deposits to total assets | 88.7263% | 1,816 |
| Equity capital to assets | 9.2107% | 4,864 |
| Core capital (leverage) ratio | 9.5029% | 4,272 |
| Tier 1 risk-based capital ratio | 15.9355% | 3,196 |
| Total risk-based capital ratio | 17.1897% | 3,151 |
| Memoranda: | ||
| Average total assets | $30,443,500 | 6,443 |
| Average earning assets | $27,889,000 | 6,422 |
| Average equity | $2,770,000 | 6,495 |
| Average total loans | $19,849,500 | 6,140 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8988% | 4,468 |
| Cost of funding earning assets | 0.4570% | 4,047 |
| Net interest margin | 3.4419% | 4,123 |
| Noninterest income to average assets | 0.5033% | 3,732 |
| Noninterest expense to average assets | 2.8085% | 3,693 |
| Loan and lease loss provision to assets | 0.2013% | 1,851 |
| Net operating income to assets | 0.6275% | 4,122 |
| Return on assets (ROA) | 0.6275% | 4,237 |
| Pretax return on assets | 0.6275% | 4,781 |
| Return on Equity (ROE) | 6.9080% | 3,612 |
| Retained earnings to average equity (ytd only) | 3.5464% | 3,696 |
| Net charge-offs to loans | 0.3688% | 1,835 |
| Credit loss provision to net charge-offs | 81.0811% | 3,020 |
| Earnings coverage of net charge-offs (x) | 3.3378% | 3,884 |
| Efficiency ratio | 77.2140% | 2,589 |
| Assets per employee ($millions) | 3.8178% | 4,227 |
| Cash dividends to net income (ytd only)* | 48.6631% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3127% | 4,080 |
| Loan loss allowance to noncurrent loans | 85.1974% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 0.9954% | 3,426 |
| Noncurrent loans to loans | 1.5407% | 2,584 |
| Net loans and leases to total assets | 63.7548% | 3,080 |
| Net loans and leases to deposits | 71.7465% | 3,559 |
| Net loans and leases to core deposits | 71.7465% | 4,104 |
| Total domestic deposits to total assets | 88.8612% | 1,719 |
| Equity capital to assets | 8.9876% | 5,049 |
| Core capital (leverage) ratio | 9.4104% | 4,396 |
| Tier 1 risk-based capital ratio | 16.1655% | 3,020 |
| Total risk-based capital ratio | 17.4184% | 2,976 |
| Memoranda: | ||
| Average total assets | $29,802,200 | 6,518 |
| Average earning assets | $27,136,400 | 6,505 |
| Average equity | $2,707,000 | 6,588 |
| Average total loans | $20,065,000 | 6,199 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9164% | 4,445 |
| Cost of funding earning assets | 0.4648% | 4,118 |
| Net interest margin | 3.4516% | 4,082 |
| Noninterest income to average assets | 0.5177% | 3,690 |
| Noninterest expense to average assets | 2.7686% | 3,767 |
| Loan and lease loss provision to assets | 0.2026% | 1,792 |
| Net operating income to assets | 0.6888% | 3,915 |
| Return on assets (ROA) | 0.6888% | 4,052 |
| Pretax return on assets | 0.6888% | 4,723 |
| Return on Equity (ROE) | 7.5622% | 3,345 |
| Retained earnings to average equity (ytd only) | 3.0643% | 4,485 |
| Net charge-offs to loans | 0.1588% | 2,963 |
| Credit loss provision to net charge-offs | 187.5000% | 1,285 |
| Earnings coverage of net charge-offs (x) | 8.2497% | 2,652 |
| Efficiency ratio | 75.6458% | 2,784 |
| Assets per employee ($millions) | 3.7554% | 4,337 |
| Cash dividends to net income (ytd only)* | 59.4784% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4433% | 3,718 |
| Loan loss allowance to noncurrent loans | 105.3763% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 0.9287% | 3,811 |
| Noncurrent loans to loans | 1.3697% | 3,128 |
| Net loans and leases to total assets | 66.8242% | 2,497 |
| Net loans and leases to deposits | 75.3095% | 3,047 |
| Net loans and leases to core deposits | 75.3095% | 3,699 |
| Total domestic deposits to total assets | 88.7328% | 1,706 |
| Equity capital to assets | 9.0437% | 5,139 |
| Core capital (leverage) ratio | 9.5592% | 4,316 |
| Tier 1 risk-based capital ratio | 15.4597% | 3,491 |
| Total risk-based capital ratio | 16.7241% | 3,438 |
| Memoranda: | ||
| Average total assets | $29,617,250 | 6,594 |
| Average earning assets | $26,962,500 | 6,580 |
| Average equity | $2,697,500 | 6,664 |
| Average total loans | $20,148,500 | 6,260 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9382% | 4,326 |
| Cost of funding earning assets | 0.4857% | 4,031 |
| Net interest margin | 3.4524% | 3,995 |
| Noninterest income to average assets | 0.5021% | 3,816 |
| Noninterest expense to average assets | 2.7888% | 3,710 |
| Loan and lease loss provision to assets | 0.2036% | 1,866 |
| Net operating income to assets | 0.6446% | 4,083 |
| Return on assets (ROA) | 0.6446% | 4,236 |
| Pretax return on assets | 0.6446% | 4,860 |
| Return on Equity (ROE) | 7.0606% | 3,563 |
| Retained earnings to average equity (ytd only) | 2.7499% | 4,564 |
| Net charge-offs to loans | 0.2391% | 2,289 |
| Credit loss provision to net charge-offs | 125.0000% | 1,800 |
| Earnings coverage of net charge-offs (x) | 5.2083% | 2,944 |
| Efficiency ratio | 76.6791% | 2,686 |
| Assets per employee ($millions) | 3.5840% | 4,659 |
| Cash dividends to net income (ytd only)* | 61.0526% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3603% | 4,208 |
| Loan loss allowance to noncurrent loans | 98.2394% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 0.9905% | 3,781 |
| Noncurrent loans to loans | 1.3847% | 3,228 |
| Net loans and leases to total assets | 70.5601% | 1,792 |
| Net loans and leases to deposits | 79.8792% | 2,338 |
| Net loans and leases to core deposits | 79.8792% | 3,038 |
| Total domestic deposits to total assets | 88.3336% | 2,021 |
| Equity capital to assets | 9.3890% | 4,735 |
| Core capital (leverage) ratio | 9.4321% | 4,344 |
| Tier 1 risk-based capital ratio | 14.9351% | 3,818 |
| Total risk-based capital ratio | 16.1897% | 3,779 |
| Memoranda: | ||
| Average total assets | $29,475,330 | 6,655 |
| Average earning assets | $26,763,670 | 6,635 |
| Average equity | $2,691,000 | 6,718 |
| Average total loans | $20,074,670 | 6,299 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8375% | 4,687 |
| Cost of funding earning assets | 0.4871% | 4,209 |
| Net interest margin | 3.3504% | 4,316 |
| Noninterest income to average assets | 0.4552% | 4,087 |
| Noninterest expense to average assets | 2.6241% | 4,321 |
| Loan and lease loss provision to assets | 0.2008% | 1,851 |
| Net operating income to assets | 0.6694% | 3,850 |
| Return on assets (ROA) | 0.6694% | 4,006 |
| Pretax return on assets | 0.6694% | 4,707 |
| Return on Equity (ROE) | 7.4336% | 3,249 |
| Retained earnings to average equity (ytd only) | 3.7168% | 4,003 |
| Net charge-offs to loans | 0.5036% | 1,198 |
| Credit loss provision to net charge-offs | 60.0000% | 2,443 |
| Earnings coverage of net charge-offs (x) | 2.6000% | 2,991 |
| Efficiency ratio | 75.0958% | 3,082 |
| Assets per employee ($millions) | 3.7024% | 4,553 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3017% | 4,687 |
| Loan loss allowance to noncurrent loans | 91.3194% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 0.9723% | 3,983 |
| Noncurrent loans to loans | 1.4254% | 3,433 |
| Net loans and leases to total assets | 67.3284% | 2,135 |
| Net loans and leases to deposits | 75.8770% | 2,657 |
| Net loans and leases to core deposits | 75.8770% | 3,338 |
| Total domestic deposits to total assets | 88.7336% | 1,847 |
| Equity capital to assets | 9.1225% | 5,343 |
| Core capital (leverage) ratio | 9.2439% | 4,487 |
| Tier 1 risk-based capital ratio | 15.5753% | 3,486 |
| Total risk-based capital ratio | 16.8261% | 3,450 |
| Memoranda: | ||
| Average total assets | $29,877,000 | 6,710 |
| Average earning assets | $27,101,000 | 6,690 |
| Average equity | $2,690,500 | 6,786 |
| Average total loans | $19,857,000 | 6,365 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2385% | 4,441 |
| Cost of funding earning assets | 0.6443% | 3,966 |
| Net interest margin | 3.5942% | 4,109 |
| Noninterest income to average assets | 0.4877% | 3,979 |
| Noninterest expense to average assets | 2.8702% | 3,764 |
| Loan and lease loss provision to assets | 0.1895% | 3,267 |
| Net operating income to assets | 0.6772% | 3,845 |
| Return on assets (ROA) | 0.6772% | 4,114 |
| Pretax return on assets | 0.6772% | 4,740 |
| Return on Equity (ROE) | 7.3356% | 3,445 |
| Retained earnings to average equity (ytd only) | 3.2307% | 3,948 |
| Net charge-offs to loans | 0.5307% | 2,136 |
| Credit loss provision to net charge-offs | 50.4673% | 4,689 |
| Earnings coverage of net charge-offs (x) | 2.3084% | 4,258 |
| Efficiency ratio | 76.8075% | 2,627 |
| Assets per employee ($millions) | 3.7669% | 4,432 |
| Cash dividends to net income (ytd only)* | 55.9585% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3994% | 4,177 |
| Loan loss allowance to noncurrent loans | 94.4637% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 1.4900% | 3,151 |
| Noncurrent loans to loans | 1.4814% | 3,377 |
| Net loans and leases to total assets | 63.8328% | 2,925 |
| Net loans and leases to deposits | 71.7868% | 3,446 |
| Net loans and leases to core deposits | 71.7868% | 4,066 |
| Total domestic deposits to total assets | 88.9199% | 1,618 |
| Equity capital to assets | 8.8900% | 5,645 |
| Core capital (leverage) ratio | 9.3917% | 4,264 |
| Tier 1 risk-based capital ratio | 15.9307% | 3,198 |
| Total risk-based capital ratio | 17.1804% | 3,163 |
| Memoranda: | ||
| Average total assets | $28,500,200 | 6,790 |
| Average earning assets | $25,764,000 | 6,764 |
| Average equity | $2,631,000 | 6,856 |
| Average total loans | $20,163,800 | 6,418 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3178% | 4,382 |
| Cost of funding earning assets | 0.6752% | 3,974 |
| Net interest margin | 3.6427% | 4,042 |
| Noninterest income to average assets | 0.4984% | 3,939 |
| Noninterest expense to average assets | 2.8762% | 3,682 |
| Loan and lease loss provision to assets | 0.2041% | 3,031 |
| Net operating income to assets | 0.7214% | 3,822 |
| Return on assets (ROA) | 0.7214% | 4,066 |
| Pretax return on assets | 0.7214% | 4,789 |
| Return on Equity (ROE) | 7.7381% | 3,402 |
| Retained earnings to average equity (ytd only) | 2.2402% | 5,220 |
| Net charge-offs to loans | 0.3017% | 2,931 |
| Credit loss provision to net charge-offs | 93.4783% | 3,191 |
| Earnings coverage of net charge-offs (x) | 4.2392% | 3,366 |
| Efficiency ratio | 75.6554% | 2,727 |
| Assets per employee ($millions) | 3.4396% | 5,118 |
| Cash dividends to net income (ytd only)* | 71.0550% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6075% | 3,489 |
| Loan loss allowance to noncurrent loans | 63.4578% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 1.8498% | 2,864 |
| Noncurrent loans to loans | 2.5332% | 2,253 |
| Net loans and leases to total assets | 71.8465% | 1,578 |
| Net loans and leases to deposits | 81.6875% | 2,168 |
| Net loans and leases to core deposits | 81.6875% | 3,004 |
| Total domestic deposits to total assets | 87.9529% | 2,070 |
| Equity capital to assets | 9.5868% | 5,088 |
| Core capital (leverage) ratio | 9.6384% | 4,060 |
| Tier 1 risk-based capital ratio | 15.4940% | 3,535 |
| Total risk-based capital ratio | 16.7519% | 3,497 |
| Memoranda: | ||
| Average total assets | $28,091,500 | 6,888 |
| Average earning assets | $25,475,000 | 6,858 |
| Average equity | $2,619,000 | 6,947 |
| Average total loans | $20,327,500 | 6,498 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3529% | 4,370 |
| Cost of funding earning assets | 0.7046% | 3,976 |
| Net interest margin | 3.6483% | 4,049 |
| Noninterest income to average assets | 0.4738% | 4,104 |
| Noninterest expense to average assets | 2.8568% | 3,793 |
| Loan and lease loss provision to assets | 0.1980% | 3,102 |
| Net operating income to assets | 0.7142% | 3,787 |
| Return on assets (ROA) | 0.7142% | 4,056 |
| Pretax return on assets | 0.7142% | 4,786 |
| Return on Equity (ROE) | 7.7316% | 3,384 |
| Retained earnings to average equity (ytd only) | 1.7607% | 5,314 |
| Net charge-offs to loans | 0.4509% | 2,252 |
| Credit loss provision to net charge-offs | 60.8696% | 3,775 |
| Earnings coverage of net charge-offs (x) | 2.8043% | 3,625 |
| Efficiency ratio | 75.7974% | 2,771 |
| Assets per employee ($millions) | 3.5320% | 4,913 |
| Cash dividends to net income (ytd only)* | 77.2277% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5211% | 3,920 |
| Loan loss allowance to noncurrent loans | 60.1563% | 4,632 |
| Noncurrent assets plus other real estate owned to assets | 1.8120% | 3,023 |
| Noncurrent loans to loans | 2.5285% | 2,383 |
| Net loans and leases to total assets | 70.5726% | 1,810 |
| Net loans and leases to deposits | 79.8470% | 2,405 |
| Net loans and leases to core deposits | 80.8179% | 3,111 |
| Total domestic deposits to total assets | 88.3848% | 1,900 |
| Equity capital to assets | 9.2617% | 5,375 |
| Core capital (leverage) ratio | 9.5041% | 4,137 |
| Tier 1 risk-based capital ratio | 15.1908% | 3,639 |
| Total risk-based capital ratio | 16.4450% | 3,598 |
| Memoranda: | ||
| Average total assets | $28,283,000 | 6,943 |
| Average earning assets | $25,546,000 | 6,913 |
| Average equity | $2,612,670 | 6,988 |
| Average total loans | $20,405,670 | 6,548 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4011% | 4,328 |
| Cost of funding earning assets | 0.7205% | 4,104 |
| Net interest margin | 3.6806% | 3,920 |
| Noninterest income to average assets | 0.4382% | 4,394 |
| Noninterest expense to average assets | 2.7424% | 4,278 |
| Loan and lease loss provision to assets | 0.1838% | 3,137 |
| Net operating income to assets | 0.8340% | 3,223 |
| Return on assets (ROA) | 0.8340% | 3,461 |
| Pretax return on assets | 0.8340% | 4,284 |
| Return on Equity (ROE) | 9.0404% | 2,807 |
| Retained earnings to average equity (ytd only) | 5.0565% | 3,521 |
| Net charge-offs to loans | 0.0586% | 3,919 |
| Credit loss provision to net charge-offs | 433.3333% | 742 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,072 |
| Efficiency ratio | 72.9323% | 3,266 |
| Assets per employee ($millions) | 3.4499% | 5,234 |
| Cash dividends to net income (ytd only)* | 44.0678% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6457% | 3,559 |
| Loan loss allowance to noncurrent loans | 80.3828% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 1.5145% | 3,581 |
| Noncurrent loans to loans | 2.0473% | 3,092 |
| Net loans and leases to total assets | 72.7599% | 1,266 |
| Net loans and leases to deposits | 82.5495% | 1,858 |
| Net loans and leases to core deposits | 83.5803% | 2,596 |
| Total domestic deposits to total assets | 88.1409% | 2,219 |
| Equity capital to assets | 9.5148% | 4,783 |
| Core capital (leverage) ratio | 9.4268% | 4,162 |
| Tier 1 risk-based capital ratio | 15.2386% | 3,598 |
| Total risk-based capital ratio | 16.4983% | 3,557 |
| Memoranda: | ||
| Average total assets | $28,296,500 | 6,998 |
| Average earning assets | $25,539,000 | 6,967 |
| Average equity | $2,610,500 | 7,039 |
| Average total loans | $20,484,000 | 6,591 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7773% | 3,912 |
| Cost of funding earning assets | 0.8982% | 4,128 |
| Net interest margin | 3.8791% | 3,431 |
| Noninterest income to average assets | 0.5252% | 3,678 |
| Noninterest expense to average assets | 3.0612% | 3,349 |
| Loan and lease loss provision to assets | 0.1906% | 4,276 |
| Net operating income to assets | 0.7842% | 3,115 |
| Return on assets (ROA) | 0.7842% | 3,278 |
| Pretax return on assets | 0.7842% | 4,036 |
| Return on Equity (ROE) | 8.6139% | 2,627 |
| Retained earnings to average equity (ytd only) | 3.6352% | 3,619 |
| Net charge-offs to loans | -0.0141% | 6,922 |
| Credit loss provision to net charge-offs | -1,766.6667% | 6,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8467% | 2,908 |
| Assets per employee ($millions) | 3.6243% | 4,718 |
| Cash dividends to net income (ytd only)* | 57.7982% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5863% | 3,638 |
| Loan loss allowance to noncurrent loans | 77.0686% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 1.4589% | 3,793 |
| Noncurrent loans to loans | 2.0583% | 3,129 |
| Net loans and leases to total assets | 69.7558% | 2,081 |
| Net loans and leases to deposits | 78.6475% | 2,737 |
| Net loans and leases to core deposits | 79.4196% | 3,523 |
| Total domestic deposits to total assets | 88.6942% | 1,723 |
| Equity capital to assets | 8.9501% | 5,605 |
| Core capital (leverage) ratio | 9.2760% | 4,364 |
| Tier 1 risk-based capital ratio | 14.9289% | 3,681 |
| Total risk-based capital ratio | 16.1840% | 3,644 |
| Memoranda: | ||
| Average total assets | $27,799,800 | 7,030 |
| Average earning assets | $25,160,600 | 7,008 |
| Average equity | $2,530,800 | 7,112 |
| Average total loans | $21,202,800 | 6,596 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8382% | 3,841 |
| Cost of funding earning assets | 0.9345% | 4,165 |
| Net interest margin | 3.9037% | 3,369 |
| Noninterest income to average assets | 0.5527% | 3,502 |
| Noninterest expense to average assets | 3.0689% | 3,286 |
| Loan and lease loss provision to assets | 0.1891% | 4,139 |
| Net operating income to assets | 0.8387% | 2,992 |
| Return on assets (ROA) | 0.8387% | 3,145 |
| Pretax return on assets | 0.8387% | 3,987 |
| Return on Equity (ROE) | 9.1723% | 2,519 |
| Retained earnings to average equity (ytd only) | 2.4921% | 4,875 |
| Net charge-offs to loans | -0.0187% | 6,894 |
| Credit loss provision to net charge-offs | -1,300.0000% | 6,786 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9112% | 3,020 |
| Assets per employee ($millions) | 3.4275% | 5,171 |
| Cash dividends to net income (ytd only)* | 72.8345% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4849% | 4,178 |
| Loan loss allowance to noncurrent loans | 102.2951% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 1.1123% | 4,555 |
| Noncurrent loans to loans | 1.4516% | 4,120 |
| Net loans and leases to total assets | 75.4887% | 1,062 |
| Net loans and leases to deposits | 85.6534% | 1,729 |
| Net loans and leases to core deposits | 86.9122% | 2,655 |
| Total domestic deposits to total assets | 88.1327% | 1,968 |
| Equity capital to assets | 9.2961% | 5,388 |
| Core capital (leverage) ratio | 9.3439% | 4,386 |
| Tier 1 risk-based capital ratio | 14.5717% | 3,929 |
| Total risk-based capital ratio | 15.8298% | 3,894 |
| Memoranda: | ||
| Average total assets | $27,501,250 | 7,108 |
| Average earning assets | $24,967,250 | 7,085 |
| Average equity | $2,514,750 | 7,184 |
| Average total loans | $21,365,750 | 6,654 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9020% | 3,611 |
| Cost of funding earning assets | 0.9452% | 4,357 |
| Net interest margin | 3.9569% | 3,060 |
| Noninterest income to average assets | 0.5449% | 3,510 |
| Noninterest expense to average assets | 3.1168% | 3,187 |
| Loan and lease loss provision to assets | 0.2180% | 3,741 |
| Net operating income to assets | 0.7992% | 3,082 |
| Return on assets (ROA) | 0.7992% | 3,206 |
| Pretax return on assets | 0.7992% | 4,032 |
| Return on Equity (ROE) | 8.7883% | 2,602 |
| Retained earnings to average equity (ytd only) | 0.7190% | 5,569 |
| Net charge-offs to loans | -0.0279% | 6,902 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3954% | 3,121 |
| Assets per employee ($millions) | 3.4129% | 5,169 |
| Cash dividends to net income (ytd only)* | 91.8182% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4104% | 4,518 |
| Loan loss allowance to noncurrent loans | 108.9928% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 1.0182% | 4,841 |
| Noncurrent loans to loans | 1.2940% | 4,496 |
| Net loans and leases to total assets | 77.5739% | 831 |
| Net loans and leases to deposits | 87.8619% | 1,522 |
| Net loans and leases to core deposits | 89.7230% | 2,411 |
| Total domestic deposits to total assets | 88.2907% | 1,968 |
| Equity capital to assets | 9.1968% | 5,283 |
| Core capital (leverage) ratio | 9.3271% | 4,211 |
| Tier 1 risk-based capital ratio | 13.9466% | 4,204 |
| Total risk-based capital ratio | 15.2029% | 4,173 |
| Memoranda: | ||
| Average total assets | $27,528,330 | 7,173 |
| Average earning assets | $24,969,330 | 7,149 |
| Average equity | $2,503,330 | 7,245 |
| Average total loans | $21,484,000 | 6,724 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9223% | 3,467 |
| Cost of funding earning assets | 0.9620% | 4,482 |
| Net interest margin | 3.9603% | 2,868 |
| Noninterest income to average assets | 0.5933% | 3,223 |
| Noninterest expense to average assets | 3.2126% | 2,855 |
| Loan and lease loss provision to assets | 0.2171% | 3,481 |
| Net operating income to assets | 0.7380% | 3,332 |
| Return on assets (ROA) | 0.7380% | 3,398 |
| Pretax return on assets | 0.7380% | 4,155 |
| Return on Equity (ROE) | 8.1616% | 2,846 |
| Retained earnings to average equity (ytd only) | 1.6003% | 5,152 |
| Net charge-offs to loans | -0.0372% | 6,788 |
| Credit loss provision to net charge-offs | -750.0000% | 6,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0833% | 2,972 |
| Assets per employee ($millions) | 3.3840% | 5,291 |
| Cash dividends to net income (ytd only)* | 80.3922% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3409% | 4,936 |
| Loan loss allowance to noncurrent loans | 146.4286% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 0.7240% | 5,482 |
| Noncurrent loans to loans | 0.9157% | 5,206 |
| Net loans and leases to total assets | 78.0031% | 728 |
| Net loans and leases to deposits | 88.3704% | 1,417 |
| Net loans and leases to core deposits | 90.0665% | 2,338 |
| Total domestic deposits to total assets | 88.2683% | 2,213 |
| Equity capital to assets | 9.2531% | 4,809 |
| Core capital (leverage) ratio | 9.3110% | 4,111 |
| Tier 1 risk-based capital ratio | 13.9299% | 4,121 |
| Total risk-based capital ratio | 15.1836% | 4,091 |
| Memoranda: | ||
| Average total assets | $27,641,000 | 7,217 |
| Average earning assets | $24,947,500 | 7,199 |
| Average equity | $2,499,500 | 7,293 |
| Average total loans | $21,484,500 | 6,773 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3760% | 2,783 |
| Cost of funding earning assets | 1.1729% | 4,714 |
| Net interest margin | 4.2031% | 2,171 |
| Noninterest income to average assets | 0.4503% | 4,509 |
| Noninterest expense to average assets | 2.9907% | 3,883 |
| Loan and lease loss provision to assets | 0.3478% | 4,045 |
| Net operating income to assets | 0.9554% | 2,188 |
| Return on assets (ROA) | 0.9554% | 2,310 |
| Pretax return on assets | 0.9554% | 3,084 |
| Return on Equity (ROE) | 10.6714% | 1,702 |
| Retained earnings to average equity (ytd only) | 4.3748% | 2,784 |
| Net charge-offs to loans | 0.2208% | 4,965 |
| Credit loss provision to net charge-offs | 197.9167% | 1,597 |
| Earnings coverage of net charge-offs (x) | 7.4167% | 2,136 |
| Efficiency ratio | 69.6505% | 4,253 |
| Assets per employee ($millions) | 3.5263% | 4,875 |
| Cash dividends to net income (ytd only)* | 59.0038% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2520% | 5,245 |
| Loan loss allowance to noncurrent loans | 2,250.0000% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0425% | 7,132 |
| Noncurrent loans to loans | 0.0556% | 6,988 |
| Net loans and leases to total assets | 75.4874% | 1,379 |
| Net loans and leases to deposits | 85.1085% | 2,261 |
| Net loans and leases to core deposits | 86.3159% | 3,279 |
| Total domestic deposits to total assets | 88.6955% | 1,824 |
| Equity capital to assets | 8.8408% | 5,373 |
| Core capital (leverage) ratio | 9.0833% | 4,386 |
| Tier 1 risk-based capital ratio | 13.7425% | 4,024 |
| Total risk-based capital ratio | 14.9953% | 4,004 |
| Memoranda: | ||
| Average total assets | $27,317,800 | 7,285 |
| Average earning assets | $24,981,400 | 7,258 |
| Average equity | $2,445,800 | 7,410 |
| Average total loans | $21,736,000 | 6,839 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4618% | 2,592 |
| Cost of funding earning assets | 1.2233% | 4,724 |
| Net interest margin | 4.2385% | 2,071 |
| Noninterest income to average assets | 0.5758% | 3,610 |
| Noninterest expense to average assets | 3.0657% | 3,508 |
| Loan and lease loss provision to assets | 0.2706% | 4,419 |
| Net operating income to assets | 1.1220% | 1,819 |
| Return on assets (ROA) | 1.1220% | 1,930 |
| Pretax return on assets | 1.1269% | 2,744 |
| Return on Equity (ROE) | 12.4906% | 1,386 |
| Retained earnings to average equity (ytd only) | 4.0538% | 3,622 |
| Net charge-offs to loans | 0.2939% | 4,193 |
| Credit loss provision to net charge-offs | 114.5833% | 3,651 |
| Earnings coverage of net charge-offs (x) | 5.9166% | 2,642 |
| Efficiency ratio | 68.6880% | 4,336 |
| Assets per employee ($millions) | 3.3506% | 5,327 |
| Cash dividends to net income (ytd only)* | 67.5450% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0612% | 6,111 |
| Loan loss allowance to noncurrent loans | 1,769.2308% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.9252% | 5,251 |
| Noncurrent loans to loans | 0.0600% | 7,090 |
| Net loans and leases to total assets | 79.9963% | 751 |
| Net loans and leases to deposits | 90.8063% | 1,606 |
| Net loans and leases to core deposits | 91.9748% | 2,802 |
| Total domestic deposits to total assets | 88.0955% | 1,905 |
| Equity capital to assets | 9.2259% | 5,267 |
| Core capital (leverage) ratio | 9.2076% | 4,353 |
| Tier 1 risk-based capital ratio | 13.4335% | 4,240 |
| Total risk-based capital ratio | 14.6854% | 4,200 |
| Memoranda: | ||
| Average total assets | $27,094,750 | 7,381 |
| Average earning assets | $24,851,000 | 7,353 |
| Average equity | $2,433,750 | 7,508 |
| Average total loans | $21,778,750 | 6,925 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4574% | 2,716 |
| Cost of funding earning assets | 1.2545% | 4,797 |
| Net interest margin | 4.2029% | 2,148 |
| Noninterest income to average assets | 0.5811% | 3,473 |
| Noninterest expense to average assets | 3.0230% | 3,626 |
| Loan and lease loss provision to assets | 0.2207% | 4,688 |
| Net operating income to assets | 1.1989% | 1,564 |
| Return on assets (ROA) | 1.1989% | 1,635 |
| Pretax return on assets | 1.2063% | 2,393 |
| Return on Equity (ROE) | 13.4673% | 1,148 |
| Retained earnings to average equity (ytd only) | 4.3790% | 3,289 |
| Net charge-offs to loans | 0.0550% | 5,613 |
| Credit loss provision to net charge-offs | 500.0000% | 733 |
| Earnings coverage of net charge-offs (x) | 32.3333% | 870 |
| Efficiency ratio | 67.9339% | 4,594 |
| Assets per employee ($millions) | 3.3563% | 5,299 |
| Cash dividends to net income (ytd only)* | 67.4847% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1284% | 5,805 |
| Loan loss allowance to noncurrent loans | 85.1724% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 1.0801% | 4,971 |
| Noncurrent loans to loans | 1.3249% | 4,738 |
| Net loans and leases to total assets | 80.6034% | 714 |
| Net loans and leases to deposits | 91.3550% | 1,642 |
| Net loans and leases to core deposits | 93.7289% | 2,761 |
| Total domestic deposits to total assets | 88.2309% | 1,863 |
| Equity capital to assets | 9.1322% | 5,246 |
| Core capital (leverage) ratio | 9.1696% | 4,345 |
| Tier 1 risk-based capital ratio | 13.2550% | 4,247 |
| Total risk-based capital ratio | 14.5063% | 4,202 |
| Memoranda: | ||
| Average total assets | $27,191,330 | 7,440 |
| Average earning assets | $25,030,330 | 7,398 |
| Average equity | $2,420,670 | 7,566 |
| Average total loans | $21,814,000 | 6,974 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3849% | 3,110 |
| Cost of funding earning assets | 1.3265% | 4,645 |
| Net interest margin | 4.0584% | 2,618 |
| Noninterest income to average assets | 0.5409% | 3,718 |
| Noninterest expense to average assets | 3.2015% | 2,857 |
| Loan and lease loss provision to assets | 0.2193% | 4,307 |
| Net operating income to assets | 0.8771% | 2,646 |
| Return on assets (ROA) | 0.8771% | 2,723 |
| Pretax return on assets | 0.8771% | 3,553 |
| Return on Equity (ROE) | 9.9792% | 2,108 |
| Retained earnings to average equity (ytd only) | 3.3264% | 4,156 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4898% | 3,490 |
| Assets per employee ($millions) | 3.3576% | 5,408 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0985% | 6,009 |
| Loan loss allowance to noncurrent loans | 1,400.0000% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.0633% | 7,325 |
| Noncurrent loans to loans | 0.0785% | 7,198 |
| Net loans and leases to total assets | 79.7736% | 868 |
| Net loans and leases to deposits | 90.2346% | 1,871 |
| Net loans and leases to core deposits | 91.7805% | 3,132 |
| Total domestic deposits to total assets | 88.4070% | 1,846 |
| Equity capital to assets | 9.0019% | 5,277 |
| Core capital (leverage) ratio | 8.8534% | 4,789 |
| Tier 1 risk-based capital ratio | 13.3138% | 4,114 |
| Total risk-based capital ratio | 14.5663% | 4,065 |
| Memoranda: | ||
| Average total assets | $27,362,000 | 7,526 |
| Average earning assets | $25,330,000 | 7,480 |
| Average equity | $2,405,000 | 7,662 |
| Average total loans | $21,776,500 | 7,061 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6577% | 3,310 |
| Cost of funding earning assets | 1.6074% | 4,996 |
| Net interest margin | 4.0503% | 2,650 |
| Noninterest income to average assets | 0.5650% | 3,906 |
| Noninterest expense to average assets | 2.9532% | 4,328 |
| Loan and lease loss provision to assets | 0.2201% | 5,604 |
| Net operating income to assets | 1.1409% | 1,410 |
| Return on assets (ROA) | 1.1409% | 1,436 |
| Pretax return on assets | 1.1446% | 2,114 |
| Return on Equity (ROE) | 13.5264% | 866 |
| Retained earnings to average equity (ytd only) | 6.7850% | 1,042 |
| Net charge-offs to loans | 0.0091% | 7,103 |
| Credit loss provision to net charge-offs | 3,000.0000% | 114 |
| Earnings coverage of net charge-offs (x) | 186.0000% | 149 |
| Efficiency ratio | 68.3942% | 4,947 |
| Assets per employee ($millions) | 3.4829% | 5,048 |
| Cash dividends to net income (ytd only)* | 49.8392% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0189% | 6,276 |
| Loan loss allowance to noncurrent loans | 81.9853% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 0.9762% | 5,158 |
| Noncurrent loans to loans | 1.2427% | 4,871 |
| Net loans and leases to total assets | 77.7519% | 1,439 |
| Net loans and leases to deposits | 87.5313% | 2,643 |
| Net loans and leases to core deposits | 92.3602% | 4,840 |
| Total domestic deposits to total assets | 88.8275% | 1,552 |
| Equity capital to assets | 8.5849% | 5,747 |
| Core capital (leverage) ratio | 8.7850% | 4,785 |
| Tier 1 risk-based capital ratio | 13.1719% | 4,030 |
| Total risk-based capital ratio | 14.3989% | 3,995 |
| Memoranda: | ||
| Average total assets | $27,258,800 | 7,575 |
| Average earning assets | $25,257,600 | 7,535 |
| Average equity | $2,299,200 | 7,771 |
| Average total loans | $22,002,000 | 7,089 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6911% | 3,386 |
| Cost of funding earning assets | 1.6601% | 5,108 |
| Net interest margin | 4.0310% | 2,678 |
| Noninterest income to average assets | 0.5607% | 4,007 |
| Noninterest expense to average assets | 2.9659% | 4,184 |
| Loan and lease loss provision to assets | 0.2213% | 5,201 |
| Net operating income to assets | 1.1018% | 1,728 |
| Return on assets (ROA) | 1.1018% | 1,782 |
| Pretax return on assets | 1.1116% | 2,528 |
| Return on Equity (ROE) | 13.1221% | 1,094 |
| Retained earnings to average equity (ytd only) | 4.0422% | 3,019 |
| Net charge-offs to loans | 0.0121% | 6,758 |
| Credit loss provision to net charge-offs | 2,250.0000% | 174 |
| Earnings coverage of net charge-offs (x) | 135.3258% | 285 |
| Efficiency ratio | 68.9931% | 4,786 |
| Assets per employee ($millions) | 3.3330% | 5,296 |
| Cash dividends to net income (ytd only)* | 69.1957% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9519% | 6,532 |
| Loan loss allowance to noncurrent loans | 904.3478% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.0863% | 7,333 |
| Noncurrent loans to loans | 0.1053% | 7,212 |
| Net loans and leases to total assets | 81.1656% | 952 |
| Net loans and leases to deposits | 91.6723% | 2,294 |
| Net loans and leases to core deposits | 98.3236% | 4,569 |
| Total domestic deposits to total assets | 88.5389% | 1,414 |
| Equity capital to assets | 8.6784% | 5,994 |
| Core capital (leverage) ratio | 8.5360% | 5,427 |
| Tier 1 risk-based capital ratio | 12.8583% | 4,289 |
| Total risk-based capital ratio | 14.0181% | 4,284 |
| Memoranda: | ||
| Average total assets | $27,107,750 | 7,645 |
| Average earning assets | $25,138,000 | 7,603 |
| Average equity | $2,276,000 | 7,856 |
| Average total loans | $22,030,750 | 7,146 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6773% | 3,680 |
| Cost of funding earning assets | 1.7024% | 5,261 |
| Net interest margin | 3.9749% | 2,810 |
| Noninterest income to average assets | 0.5357% | 4,145 |
| Noninterest expense to average assets | 2.9132% | 4,456 |
| Loan and lease loss provision to assets | 0.2201% | 4,837 |
| Net operating income to assets | 1.0787% | 1,842 |
| Return on assets (ROA) | 1.0787% | 1,918 |
| Pretax return on assets | 1.0860% | 2,684 |
| Return on Equity (ROE) | 12.9897% | 1,183 |
| Retained earnings to average equity (ytd only) | 3.3579% | 3,456 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0435% | 4,975 |
| Assets per employee ($millions) | 3.4149% | 5,035 |
| Cash dividends to net income (ytd only)* | 74.1497% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8789% | 6,856 |
| 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 | 80.5044% | 1,226 |
| Net loans and leases to deposits | 90.5062% | 2,748 |
| Net loans and leases to core deposits | 96.3000% | 4,870 |
| Total domestic deposits to total assets | 88.9491% | 1,291 |
| Equity capital to assets | 8.3385% | 6,277 |
| Core capital (leverage) ratio | 8.4156% | 5,591 |
| Tier 1 risk-based capital ratio | 12.7166% | 4,349 |
| Total risk-based capital ratio | 13.8066% | 4,399 |
| Memoranda: | ||
| Average total assets | $27,255,670 | 7,714 |
| Average earning assets | $25,258,330 | 7,666 |
| Average equity | $2,263,330 | 7,938 |
| Average total loans | $22,091,000 | 7,208 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7016% | 3,798 |
| Cost of funding earning assets | 1.7629% | 5,301 |
| Net interest margin | 3.9387% | 2,890 |
| Noninterest income to average assets | 0.5583% | 3,853 |
| Noninterest expense to average assets | 2.8945% | 4,174 |
| Loan and lease loss provision to assets | 0.2204% | 4,246 |
| Net operating income to assets | 1.0726% | 2,054 |
| Return on assets (ROA) | 1.0726% | 2,189 |
| Pretax return on assets | 1.0873% | 3,034 |
| Return on Equity (ROE) | 12.9433% | 1,406 |
| Retained earnings to average equity (ytd only) | 4.9645% | 3,149 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8811% | 4,800 |
| Assets per employee ($millions) | 3.3669% | 5,167 |
| Cash dividends to net income (ytd only)* | 61.6438% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8179% | 7,091 |
| 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% | 7,590 |
| Net loans and leases to total assets | 81.0358% | 1,194 |
| Net loans and leases to deposits | 91.1738% | 2,746 |
| Net loans and leases to core deposits | 96.6438% | 4,883 |
| Total domestic deposits to total assets | 88.8806% | 1,285 |
| Equity capital to assets | 8.4240% | 6,196 |
| Core capital (leverage) ratio | 8.4825% | 5,576 |
| Tier 1 risk-based capital ratio | 13.0487% | 4,161 |
| Total risk-based capital ratio | 14.0857% | 4,220 |
| Memoranda: | ||
| Average total assets | $27,224,000 | 7,758 |
| Average earning assets | $25,186,000 | 7,718 |
| Average equity | $2,256,000 | 7,988 |
| Average total loans | $22,042,500 | 7,248 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4089% | 3,369 |
| Cost of funding earning assets | 2.2419% | 5,410 |
| Net interest margin | 4.1670% | 2,446 |
| Noninterest income to average assets | 0.6227% | 3,693 |
| Noninterest expense to average assets | 2.8684% | 4,544 |
| Loan and lease loss provision to assets | 0.2453% | 4,459 |
| Net operating income to assets | 1.3210% | 1,426 |
| Return on assets (ROA) | 1.3210% | 1,376 |
| Pretax return on assets | 1.3323% | 2,201 |
| Return on Equity (ROE) | 16.4288% | 709 |
| Retained earnings to average equity (ytd only) | 8.4961% | 705 |
| Net charge-offs to loans | 0.3548% | 3,054 |
| Credit loss provision to net charge-offs | 85.5263% | 5,774 |
| Earnings coverage of net charge-offs (x) | 5.5000% | 3,625 |
| Efficiency ratio | 64.5161% | 5,450 |
| Assets per employee ($millions) | 3.4391% | 4,830 |
| Cash dividends to net income (ytd only)* | 48.2857% | 3,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7474% | 7,299 |
| Loan loss allowance to noncurrent loans | 16,500.0000% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 7,641 |
| Noncurrent loans to loans | 0.0045% | 7,546 |
| Net loans and leases to total assets | 79.6460% | 1,738 |
| Net loans and leases to deposits | 89.3679% | 3,558 |
| Net loans and leases to core deposits | 93.5733% | 5,482 |
| Total domestic deposits to total assets | 89.1215% | 996 |
| Equity capital to assets | 8.1525% | 6,629 |
| Core capital (leverage) ratio | 8.3811% | 5,800 |
| Tier 1 risk-based capital ratio | 12.7632% | 4,251 |
| Total risk-based capital ratio | 13.7046% | 4,370 |
| Memoranda: | ||
| Average total assets | $26,496,000 | 7,787 |
| Average earning assets | $24,309,800 | 7,772 |
| Average equity | $2,130,400 | 8,093 |
| Average total loans | $21,422,400 | 7,236 |