Home > Maxwell State Bank > Performance and Condition Ratios
Maxwell 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 | 3.7842% | 4,194 |
| Cost of funding earning assets | 0.8395% | 3,632 |
| Net interest margin | 2.9447% | 3,403 |
| Noninterest income to average assets | 0.0800% | 4,348 |
| Noninterest expense to average assets | 4.0396% | 357 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -1.3552% | 4,550 |
| Return on assets (ROA) | -1.8463% | 4,562 |
| Pretax return on assets | -1.8463% | 4,554 |
| Return on Equity (ROE) | -14.5800% | 4,524 |
| Retained earnings to average equity (ytd only) | -14.5832% | 4,494 |
| 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 | 148.8308% | 42 |
| Assets per employee ($millions) | 6.4555% | 2,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0648% | 3,002 |
| 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 | 29.8700% | 4,293 |
| Net loans and leases to deposits | 34.9497% | 4,288 |
| Net loans and leases to core deposits | 37.6802% | 4,321 |
| Total domestic deposits to total assets | 85.4500% | 2,174 |
| Equity capital to assets | 13.7635% | 717 |
| Core capital (leverage) ratio | 9.7452% | 3,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9897% | 2,588 |
| Memoranda: | ||
| Average total assets | $27,081,600 | 4,482 |
| Average earning assets | $23,941,600 | 4,456 |
| Average equity | $3,428,600 | 4,396 |
| Average total loans | $7,444,400 | 4,438 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7361% | 4,171 |
| Cost of funding earning assets | 0.7384% | 3,683 |
| Net interest margin | 2.9977% | 3,349 |
| Noninterest income to average assets | 0.0900% | 4,338 |
| Noninterest expense to average assets | 4.0247% | 354 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -1.2848% | 4,580 |
| Return on assets (ROA) | -1.9272% | 4,588 |
| Pretax return on assets | -1.9272% | 4,587 |
| Return on Equity (ROE) | -15.5400% | 4,561 |
| Retained earnings to average equity (ytd only) | -15.5416% | 4,536 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 145.2931% | 45 |
| Assets per employee ($millions) | 5.3572% | 3,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1837% | 2,447 |
| 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 | 25.8700% | 4,383 |
| Net loans and leases to deposits | 29.6923% | 4,382 |
| Net loans and leases to core deposits | 30.4746% | 4,379 |
| Total domestic deposits to total assets | 87.1200% | 1,852 |
| Equity capital to assets | 12.2564% | 976 |
| Core capital (leverage) ratio | 10.0458% | 2,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8031% | 2,344 |
| Memoranda: | ||
| Average total assets | $27,396,500 | 4,507 |
| Average earning assets | $24,196,000 | 4,482 |
| Average equity | $3,397,250 | 4,413 |
| Average total loans | $7,356,750 | 4,463 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6419% | 4,208 |
| Cost of funding earning assets | 0.6644% | 3,594 |
| Net interest margin | 2.9775% | 3,487 |
| Noninterest income to average assets | 0.0900% | 4,358 |
| Noninterest expense to average assets | 3.9202% | 362 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -1.1956% | 4,607 |
| Return on assets (ROA) | -2.1521% | 4,626 |
| Pretax return on assets | -2.1521% | 4,624 |
| Return on Equity (ROE) | -17.2800% | 4,604 |
| Retained earnings to average equity (ytd only) | -17.2842% | 4,569 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 142.2872% | 44 |
| Assets per employee ($millions) | 5.6236% | 3,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1058% | 2,935 |
| 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 | 26.4000% | 4,387 |
| Net loans and leases to deposits | 30.2868% | 4,395 |
| Net loans and leases to core deposits | 31.2429% | 4,393 |
| Total domestic deposits to total assets | 87.1600% | 1,880 |
| Equity capital to assets | 12.0883% | 1,025 |
| Core capital (leverage) ratio | 10.0280% | 2,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1625% | 2,584 |
| Memoranda: | ||
| Average total assets | $27,600,667 | 4,532 |
| Average earning assets | $24,383,000 | 4,507 |
| Average equity | $3,436,667 | 4,445 |
| Average total loans | $7,471,667 | 4,493 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6106% | 4,144 |
| Cost of funding earning assets | 0.5824% | 3,433 |
| Net interest margin | 3.0283% | 3,531 |
| Noninterest income to average assets | 0.1000% | 4,366 |
| Noninterest expense to average assets | 8.4162% | 132 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -5.6925% | 4,672 |
| Return on assets (ROA) | -7.3209% | 4,675 |
| Pretax return on assets | -7.3209% | 4,675 |
| Return on Equity (ROE) | -52.6100% | 4,653 |
| Retained earnings to average equity (ytd only) | -52.6084% | 4,670 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 307.9365% | 12 |
| Assets per employee ($millions) | 5.5682% | 3,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9813% | 3,591 |
| 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 | 30.0800% | 4,366 |
| Net loans and leases to deposits | 35.2676% | 4,347 |
| Net loans and leases to core deposits | 36.8164% | 4,348 |
| Total domestic deposits to total assets | 85.3000% | 2,779 |
| Equity capital to assets | 13.3760% | 684 |
| Core capital (leverage) ratio | 9.9249% | 2,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0139% | 2,726 |
| Memoranda: | ||
| Average total assets | $27,756,000 | 4,590 |
| Average earning assets | $24,040,000 | 4,572 |
| Average equity | $3,862,500 | 4,465 |
| Average total loans | $7,453,500 | 4,562 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8205% | 4,306 |
| Cost of funding earning assets | 0.2727% | 3,127 |
| Net interest margin | 2.5478% | 4,236 |
| Noninterest income to average assets | -0.5800% | 4,706 |
| Noninterest expense to average assets | 3.1341% | 789 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | -1.1384% | 4,665 |
| Return on assets (ROA) | -1.2794% | 4,665 |
| Pretax return on assets | -1.7852% | 4,675 |
| Return on Equity (ROE) | -9.1800% | 4,654 |
| Retained earnings to average equity (ytd only) | -9.1784% | 4,624 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 195.0000% | 25 |
| Assets per employee ($millions) | 5.5128% | 3,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2870% | 1,963 |
| 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 | 23.1000% | 4,520 |
| Net loans and leases to deposits | 27.2401% | 4,510 |
| Net loans and leases to core deposits | 28.1420% | 4,505 |
| Total domestic deposits to total assets | 84.7800% | 3,046 |
| Equity capital to assets | 14.5153% | 523 |
| Core capital (leverage) ratio | 9.7076% | 2,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9450% | 1,999 |
| Memoranda: | ||
| Average total assets | $30,248,200 | 4,609 |
| Average earning assets | $25,669,400 | 4,592 |
| Average equity | $4,216,400 | 4,510 |
| Average total loans | $6,961,600 | 4,601 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6542% | 4,336 |
| Cost of funding earning assets | 0.2301% | 2,926 |
| Net interest margin | 2.4240% | 4,292 |
| Noninterest income to average assets | 0.0300% | 4,652 |
| Noninterest expense to average assets | 4.1538% | 298 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | -1.5102% | 4,717 |
| Return on assets (ROA) | -1.6233% | 4,718 |
| Pretax return on assets | -2.2831% | 4,727 |
| Return on Equity (ROE) | -11.6800% | 4,708 |
| Retained earnings to average equity (ytd only) | -11.6774% | 4,689 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 196.6805% | 25 |
| Assets per employee ($millions) | 6.0978% | 2,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1171% | 2,938 |
| 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 | 24.1000% | 4,542 |
| Net loans and leases to deposits | 27.8654% | 4,533 |
| Net loans and leases to core deposits | 28.9663% | 4,519 |
| Total domestic deposits to total assets | 86.4800% | 2,929 |
| Equity capital to assets | 12.6013% | 749 |
| Core capital (leverage) ratio | 7.4088% | 4,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.5270% | 3,115 |
| Memoranda: | ||
| Average total assets | $30,717,750 | 4,638 |
| Average earning assets | $26,071,500 | 4,624 |
| Average equity | $4,270,250 | 4,544 |
| Average total loans | $7,089,750 | 4,636 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4716% | 4,402 |
| Cost of funding earning assets | 0.1913% | 3,029 |
| Net interest margin | 2.2803% | 4,349 |
| Noninterest income to average assets | 0.0260% | 4,691 |
| Noninterest expense to average assets | 3.0850% | 748 |
| Loan and lease loss provision to assets | 0.1169% | 859 |
| Net operating income to assets | -0.8443% | 4,708 |
| Return on assets (ROA) | -0.8443% | 4,699 |
| Pretax return on assets | -1.2405% | 4,712 |
| Return on Equity (ROE) | -5.8917% | 4,690 |
| Retained earnings to average equity (ytd only) | -5.8917% | 4,568 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 155.2980% | 39 |
| Assets per employee ($millions) | 4.4889% | 4,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1348% | 3,013 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 23.0125% | 4,613 |
| Net loans and leases to deposits | 26.6699% | 4,606 |
| Net loans and leases to core deposits | 27.9610% | 4,600 |
| Total domestic deposits to total assets | 86.2867% | 3,172 |
| Equity capital to assets | 12.9113% | 678 |
| Core capital (leverage) ratio | 9.1881% | 3,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $30,794,000 | 4,671 |
| Average earning assets | $26,137,333 | 4,670 |
| Average equity | $4,413,000 | 4,580 |
| Average total loans | $6,976,333 | 4,703 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3299% | 4,436 |
| Cost of funding earning assets | 0.1720% | 3,194 |
| Net interest margin | 2.1579% | 4,392 |
| Noninterest income to average assets | 0.1050% | 4,483 |
| Noninterest expense to average assets | 2.9003% | 960 |
| Loan and lease loss provision to assets | 0.1706% | 455 |
| Net operating income to assets | -0.5774% | 4,711 |
| Return on assets (ROA) | -0.5774% | 4,701 |
| Pretax return on assets | -1.1549% | 4,736 |
| Return on Equity (ROE) | -3.8336% | 4,683 |
| Retained earnings to average equity (ytd only) | -3.8336% | 4,361 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 149.3151% | 41 |
| Assets per employee ($millions) | 4.4931% | 4,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1220% | 3,228 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 21.8555% | 4,647 |
| Net loans and leases to deposits | 25.9406% | 4,641 |
| Net loans and leases to core deposits | 26.8558% | 4,638 |
| Total domestic deposits to total assets | 84.2522% | 3,716 |
| Equity capital to assets | 14.3584% | 469 |
| Core capital (leverage) ratio | 10.2157% | 2,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $30,480,000 | 4,700 |
| Average earning assets | $25,580,500 | 4,700 |
| Average equity | $4,591,000 | 4,604 |
| Average total loans | $6,807,500 | 4,730 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6344% | 4,378 |
| Cost of funding earning assets | 0.1988% | 3,475 |
| Net interest margin | 2.4355% | 4,272 |
| Noninterest income to average assets | 0.0398% | 4,742 |
| Noninterest expense to average assets | 3.5635% | 444 |
| Loan and lease loss provision to assets | 0.2155% | 479 |
| Net operating income to assets | -1.2372% | 4,794 |
| Return on assets (ROA) | -1.1901% | 4,794 |
| Pretax return on assets | -1.7304% | 4,806 |
| Return on Equity (ROE) | -8.0077% | 4,795 |
| Retained earnings to average equity (ytd only) | -8.0077% | 4,744 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 177.0000% | 25 |
| Assets per employee ($millions) | 4.9180% | 3,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9755% | 3,847 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 22.3600% | 4,687 |
| Net loans and leases to deposits | 27.0587% | 4,671 |
| Net loans and leases to core deposits | 28.0969% | 4,673 |
| Total domestic deposits to total assets | 82.6352% | 3,875 |
| Equity capital to assets | 15.8127% | 401 |
| Core capital (leverage) ratio | 9.5588% | 2,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $30,166,600 | 4,744 |
| Average earning assets | $24,142,400 | 4,752 |
| Average equity | $4,483,200 | 4,672 |
| Average total loans | $6,386,200 | 4,779 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7672% | 4,336 |
| Cost of funding earning assets | 0.1823% | 3,786 |
| Net interest margin | 2.5850% | 4,156 |
| Noninterest income to average assets | 0.0352% | 4,824 |
| Noninterest expense to average assets | 3.2617% | 634 |
| Loan and lease loss provision to assets | 0.2868% | 286 |
| Net operating income to assets | -0.9856% | 4,861 |
| Return on assets (ROA) | -0.9231% | 4,861 |
| Pretax return on assets | -1.3759% | 4,873 |
| Return on Equity (ROE) | -6.3097% | 4,861 |
| Retained earnings to average equity (ytd only) | -6.3097% | 4,808 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 153.9916% | 34 |
| Assets per employee ($millions) | 5.0472% | 3,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9249% | 4,087 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 22.9931% | 4,758 |
| Net loans and leases to deposits | 27.7731% | 4,743 |
| Net loans and leases to core deposits | 28.8084% | 4,747 |
| Total domestic deposits to total assets | 82.7890% | 3,762 |
| Equity capital to assets | 16.1411% | 402 |
| Core capital (leverage) ratio | 9.4538% | 3,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $30,331,250 | 4,811 |
| Average earning assets | $24,139,000 | 4,824 |
| Average equity | $4,437,500 | 4,746 |
| Average total loans | $6,317,000 | 4,849 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9023% | 4,221 |
| Cost of funding earning assets | 0.1604% | 4,120 |
| Net interest margin | 2.7420% | 3,897 |
| Noninterest income to average assets | 0.0330% | 4,863 |
| Noninterest expense to average assets | 3.2359% | 679 |
| Loan and lease loss provision to assets | 0.2307% | 451 |
| Net operating income to assets | -0.7791% | 4,890 |
| Return on assets (ROA) | -0.6854% | 4,886 |
| Pretax return on assets | -1.0610% | 4,899 |
| Return on Equity (ROE) | -4.8515% | 4,879 |
| Retained earnings to average equity (ytd only) | -4.8515% | 4,787 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 139.7695% | 43 |
| Assets per employee ($millions) | 6.1690% | 2,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4856% | 4,747 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 23.2550% | 4,791 |
| Net loans and leases to deposits | 27.6469% | 4,785 |
| Net loans and leases to core deposits | 28.3574% | 4,797 |
| Total domestic deposits to total assets | 84.1141% | 3,393 |
| Equity capital to assets | 14.5404% | 610 |
| Core capital (leverage) ratio | 8.8152% | 3,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $30,347,333 | 4,845 |
| Average earning assets | $24,945,333 | 4,850 |
| Average equity | $4,287,333 | 4,785 |
| Average total loans | $6,080,000 | 4,889 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8000% | 4,378 |
| Cost of funding earning assets | 0.3237% | 2,765 |
| Net interest margin | 2.4763% | 4,335 |
| Noninterest income to average assets | 0.0399% | 4,871 |
| Noninterest expense to average assets | 2.7111% | 1,598 |
| Loan and lease loss provision to assets | 0.1329% | 1,026 |
| Net operating income to assets | -0.4784% | 4,889 |
| Return on assets (ROA) | -0.4784% | 4,891 |
| Pretax return on assets | -0.7708% | 4,913 |
| Return on Equity (ROE) | -3.4380% | 4,883 |
| Retained earnings to average equity (ytd only) | -3.4380% | 4,623 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.8462% | 59 |
| Assets per employee ($millions) | 4.9425% | 3,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1656% | 4,908 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 20.3338% | 4,854 |
| Net loans and leases to deposits | 24.0642% | 4,854 |
| Net loans and leases to core deposits | 24.7050% | 4,856 |
| Total domestic deposits to total assets | 84.4984% | 3,279 |
| Equity capital to assets | 14.2472% | 621 |
| Core capital (leverage) ratio | 9.0404% | 3,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $30,098,500 | 4,873 |
| Average earning assets | $24,714,000 | 4,878 |
| Average equity | $4,188,500 | 4,812 |
| Average total loans | $5,516,000 | 4,922 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 4,999 |
| Cost of funding earning assets | 0.0000% | 4,991 |
| Net interest margin | 0.0000% | 4,997 |
| Noninterest income to average assets | 0.0000% | 4,957 |
| Noninterest expense to average assets | 0.0000% | 4,998 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.0000% | 4,734 |
| Return on assets (ROA) | 0.0000% | 4,770 |
| Pretax return on assets | 0.0000% | 4,762 |
| Return on Equity (ROE) | 0.0000% | 4,770 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,513 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | NA | NA |
| Assets per employee ($millions) | 7.6355% | 1,199 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,951 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 16.3447% | 4,904 |
| Net loans and leases to deposits | 20.8078% | 4,901 |
| Net loans and leases to core deposits | 21.3873% | 4,902 |
| Total domestic deposits to total assets | 78.5508% | 4,257 |
| Equity capital to assets | 13.5944% | 901 |
| Core capital (leverage) ratio | 8.5319% | 4,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $29,562,600 | 4,879 |
| Average earning assets | $26,646,800 | 4,868 |
| Average equity | $5,131,400 | 4,734 |
| Average total loans | $5,473,800 | 4,947 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9369% | 4,774 |
| Cost of funding earning assets | 0.6199% | 2,484 |
| Net interest margin | 2.3171% | 4,774 |
| Noninterest income to average assets | 0.0455% | 4,899 |
| Noninterest expense to average assets | 1.3325% | 4,895 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.8413% | 2,945 |
| Return on assets (ROA) | 0.8413% | 3,072 |
| Pretax return on assets | 0.8550% | 3,504 |
| Return on Equity (ROE) | 4.5880% | 4,008 |
| Retained earnings to average equity (ytd only) | -29.1398% | 5,002 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9148% | 3,233 |
| Assets per employee ($millions) | 5.0467% | 3,189 |
| Cash dividends to net income (ytd only)* | 735.1351% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2725% | 2,281 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 19.2173% | 4,935 |
| Net loans and leases to deposits | 22.9122% | 4,935 |
| Net loans and leases to core deposits | 23.5140% | 4,934 |
| Total domestic deposits to total assets | 83.8738% | 2,858 |
| Equity capital to assets | 14.7721% | 685 |
| Core capital (leverage) ratio | 13.5685% | 823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $29,317,750 | 4,911 |
| Average earning assets | $27,102,500 | 4,896 |
| Average equity | $5,376,250 | 4,729 |
| Average total loans | $5,594,250 | 4,979 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8197% | 4,900 |
| Cost of funding earning assets | 0.6535% | 2,674 |
| Net interest margin | 2.1661% | 4,892 |
| Noninterest income to average assets | 0.0483% | 4,918 |
| Noninterest expense to average assets | 1.3519% | 4,924 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7173% | 3,333 |
| Return on assets (ROA) | 0.7173% | 3,443 |
| Pretax return on assets | 0.7311% | 3,796 |
| Return on Equity (ROE) | 3.6637% | 4,204 |
| Retained earnings to average equity (ytd only) | 3.6637% | 3,090 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9007% | 2,674 |
| Assets per employee ($millions) | 7.7318% | 1,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3345% | 1,856 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 17.9293% | 4,974 |
| Net loans and leases to deposits | 22.3724% | 4,972 |
| Net loans and leases to core deposits | 23.0696% | 4,972 |
| Total domestic deposits to total assets | 80.1403% | 3,805 |
| Equity capital to assets | 18.6213% | 258 |
| Core capital (leverage) ratio | 18.5822% | 264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.7600% | 92 |
| Memoranda: | ||
| Average total assets | $28,997,000 | 4,941 |
| Average earning assets | $27,237,333 | 4,925 |
| Average equity | $5,677,333 | 4,723 |
| Average total loans | $5,494,333 | 5,011 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7701% | 5,006 |
| Cost of funding earning assets | 0.6962% | 2,947 |
| Net interest margin | 2.0739% | 4,999 |
| Noninterest income to average assets | 0.0571% | 4,956 |
| Noninterest expense to average assets | 1.3699% | 4,977 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6421% | 3,468 |
| Return on assets (ROA) | 0.6421% | 3,532 |
| Pretax return on assets | 0.6849% | 3,732 |
| Return on Equity (ROE) | 3.1935% | 4,165 |
| Retained earnings to average equity (ytd only) | 3.1935% | 3,001 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 2,867 |
| Assets per employee ($millions) | 7.0903% | 1,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4063% | 1,672 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 18.5395% | 5,017 |
| Net loans and leases to deposits | 23.6272% | 5,016 |
| Net loans and leases to core deposits | 24.4501% | 5,010 |
| Total domestic deposits to total assets | 78.4669% | 4,140 |
| Equity capital to assets | 19.9252% | 252 |
| Core capital (leverage) ratio | 19.1269% | 272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.5358% | 90 |
| Memoranda: | ||
| Average total assets | $28,032,000 | 4,993 |
| Average earning assets | $27,002,500 | 4,967 |
| Average equity | $5,636,500 | 4,769 |
| Average total loans | $5,431,500 | 5,059 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3072% | 4,966 |
| Cost of funding earning assets | 0.6437% | 3,444 |
| Net interest margin | 2.6635% | 4,860 |
| Noninterest income to average assets | 0.0744% | 4,986 |
| Noninterest expense to average assets | 1.3498% | 5,059 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2046% | 2,039 |
| Return on assets (ROA) | 1.2046% | 2,130 |
| Pretax return on assets | 1.2754% | 2,596 |
| Return on Equity (ROE) | 6.2349% | 3,837 |
| Retained earnings to average equity (ytd only) | 6.2349% | 1,753 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4170% | 4,645 |
| Assets per employee ($millions) | 6.9258% | 1,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3562% | 1,687 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 19.6910% | 5,079 |
| Net loans and leases to deposits | 25.2687% | 5,068 |
| Net loans and leases to core deposits | 26.0531% | 5,066 |
| Total domestic deposits to total assets | 77.9266% | 4,371 |
| Equity capital to assets | 20.2938% | 243 |
| Core capital (leverage) ratio | 18.9182% | 283 |
| Tier 1 risk-based capital ratio | 48.5454% | 142 |
| Total risk-based capital ratio | 49.2294% | 145 |
| Memoranda: | ||
| Average total assets | $28,226,200 | 5,045 |
| Average earning assets | $27,031,800 | 5,025 |
| Average equity | $5,453,200 | 4,832 |
| Average total loans | $6,531,800 | 5,111 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3769% | 5,034 |
| Cost of funding earning assets | 0.6341% | 3,518 |
| Net interest margin | 2.7428% | 4,904 |
| Noninterest income to average assets | 0.0799% | 5,048 |
| Noninterest expense to average assets | 1.3071% | 5,141 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3165% | 1,788 |
| Return on assets (ROA) | 1.3165% | 1,865 |
| Pretax return on assets | 1.3964% | 2,325 |
| Return on Equity (ROE) | 6.8993% | 3,721 |
| Retained earnings to average equity (ytd only) | 6.8993% | 1,913 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3478% | 4,833 |
| Assets per employee ($millions) | 7.1345% | 977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2259% | 2,366 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 21.1753% | 5,150 |
| Net loans and leases to deposits | 26.8387% | 5,142 |
| Net loans and leases to core deposits | 27.6365% | 5,145 |
| Total domestic deposits to total assets | 78.8983% | 4,206 |
| Equity capital to assets | 19.4828% | 278 |
| Core capital (leverage) ratio | 19.0204% | 289 |
| Tier 1 risk-based capital ratio | 45.4876% | 173 |
| Total risk-based capital ratio | 46.1359% | 176 |
| Memoranda: | ||
| Average total assets | $28,357,000 | 5,121 |
| Average earning assets | $27,124,750 | 5,097 |
| Average equity | $5,411,000 | 4,903 |
| Average total loans | $6,782,250 | 5,189 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4257% | 5,064 |
| Cost of funding earning assets | 0.6229% | 3,536 |
| Net interest margin | 2.8029% | 4,926 |
| Noninterest income to average assets | 0.0848% | 5,088 |
| Noninterest expense to average assets | 1.3146% | 5,198 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3571% | 1,550 |
| Return on assets (ROA) | 1.3571% | 1,616 |
| Pretax return on assets | 1.4419% | 2,059 |
| Return on Equity (ROE) | 7.1624% | 3,615 |
| Retained earnings to average equity (ytd only) | 7.1624% | 1,737 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6923% | 4,915 |
| Assets per employee ($millions) | 7.0655% | 972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2025% | 2,513 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 21.8031% | 5,194 |
| Net loans and leases to deposits | 27.5853% | 5,188 |
| Net loans and leases to core deposits | 28.4120% | 5,190 |
| Total domestic deposits to total assets | 79.0390% | 4,213 |
| Equity capital to assets | 19.3263% | 277 |
| Core capital (leverage) ratio | 18.5818% | 303 |
| Tier 1 risk-based capital ratio | 43.3904% | 189 |
| Total risk-based capital ratio | 44.0195% | 194 |
| Memoranda: | ||
| Average total assets | $28,296,670 | 5,166 |
| Average earning assets | $26,972,330 | 5,144 |
| Average equity | $5,361,330 | 4,942 |
| Average total loans | $7,003,670 | 5,234 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4608% | 5,074 |
| Cost of funding earning assets | 0.6090% | 3,518 |
| Net interest margin | 2.8518% | 4,936 |
| Noninterest income to average assets | 0.0848% | 5,132 |
| Noninterest expense to average assets | 1.3703% | 5,235 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3421% | 1,551 |
| Return on assets (ROA) | 1.3421% | 1,591 |
| Pretax return on assets | 1.4269% | 1,996 |
| Return on Equity (ROE) | 7.1550% | 3,613 |
| Retained earnings to average equity (ytd only) | 7.1550% | 1,980 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9899% | 4,895 |
| Assets per employee ($millions) | 7.0148% | 996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9845% | 3,805 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 26.8826% | 5,197 |
| Net loans and leases to deposits | 34.3004% | 5,167 |
| Net loans and leases to core deposits | 35.3451% | 5,179 |
| Total domestic deposits to total assets | 78.3741% | 4,455 |
| Equity capital to assets | 19.1204% | 273 |
| Core capital (leverage) ratio | 17.9507% | 342 |
| Tier 1 risk-based capital ratio | 38.2247% | 256 |
| Total risk-based capital ratio | 38.7893% | 262 |
| Memoranda: | ||
| Average total assets | $28,314,000 | 5,221 |
| Average earning assets | $26,930,500 | 5,200 |
| Average equity | $5,311,000 | 4,991 |
| Average total loans | $7,387,000 | 5,287 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3470% | 5,050 |
| Cost of funding earning assets | 0.4964% | 3,385 |
| Net interest margin | 2.8506% | 4,970 |
| Noninterest income to average assets | 0.0966% | 5,162 |
| Noninterest expense to average assets | 1.3885% | 5,266 |
| Loan and lease loss provision to assets | -0.0716% | 5,232 |
| Net operating income to assets | 1.4172% | 1,374 |
| Return on assets (ROA) | 1.4172% | 1,365 |
| Pretax return on assets | 1.4923% | 1,803 |
| Return on Equity (ROE) | 7.8233% | 3,512 |
| Retained earnings to average equity (ytd only) | 7.8233% | 1,320 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4268% | 4,972 |
| Assets per employee ($millions) | 7.1423% | 921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0481% | 3,396 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 24.7856% | 5,270 |
| Net loans and leases to deposits | 31.1130% | 5,257 |
| Net loans and leases to core deposits | 32.0277% | 5,260 |
| Total domestic deposits to total assets | 79.6633% | 4,182 |
| Equity capital to assets | 18.4011% | 310 |
| Core capital (leverage) ratio | 18.0602% | 324 |
| Tier 1 risk-based capital ratio | 39.0667% | 244 |
| Total risk-based capital ratio | 39.6549% | 250 |
| Memoranda: | ||
| Average total assets | $27,943,400 | 5,267 |
| Average earning assets | $26,591,000 | 5,241 |
| Average equity | $5,061,800 | 5,043 |
| Average total loans | $7,672,400 | 5,329 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2833% | 5,137 |
| Cost of funding earning assets | 0.4777% | 3,344 |
| Net interest margin | 2.8056% | 5,078 |
| Noninterest income to average assets | 0.1008% | 5,209 |
| Noninterest expense to average assets | 1.3291% | 5,357 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3723% | 1,585 |
| Return on assets (ROA) | 1.3723% | 1,586 |
| Pretax return on assets | 1.4491% | 2,064 |
| Return on Equity (ROE) | 7.6066% | 3,705 |
| Retained earnings to average equity (ytd only) | 7.6066% | 1,845 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8411% | 5,057 |
| Assets per employee ($millions) | 6.9780% | 940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3176% | 2,014 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 25.4908% | 5,329 |
| Net loans and leases to deposits | 32.1451% | 5,324 |
| Net loans and leases to core deposits | 33.2710% | 5,326 |
| Total domestic deposits to total assets | 79.2992% | 4,255 |
| Equity capital to assets | 18.4186% | 301 |
| Core capital (leverage) ratio | 17.7671% | 349 |
| Tier 1 risk-based capital ratio | 38.9111% | 250 |
| Total risk-based capital ratio | 39.6717% | 251 |
| Memoranda: | ||
| Average total assets | $27,787,000 | 5,338 |
| Average earning assets | $26,517,250 | 5,310 |
| Average equity | $5,013,000 | 5,107 |
| Average total loans | $7,801,500 | 5,398 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3670% | 5,073 |
| Cost of funding earning assets | 0.4454% | 3,384 |
| Net interest margin | 2.9216% | 4,984 |
| Noninterest income to average assets | 0.0937% | 5,285 |
| Noninterest expense to average assets | 1.4056% | 5,388 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4056% | 1,420 |
| Return on assets (ROA) | 1.4056% | 1,420 |
| Pretax return on assets | 1.4777% | 1,900 |
| Return on Equity (ROE) | 7.8466% | 3,572 |
| Retained earnings to average equity (ytd only) | 7.8466% | 1,690 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7500% | 5,082 |
| Assets per employee ($millions) | 6.9633% | 938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1993% | 2,720 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 28.0975% | 5,361 |
| Net loans and leases to deposits | 35.1525% | 5,337 |
| Net loans and leases to core deposits | 36.6317% | 5,338 |
| Total domestic deposits to total assets | 79.9303% | 4,249 |
| Equity capital to assets | 18.1632% | 310 |
| Core capital (leverage) ratio | 17.4330% | 351 |
| Tier 1 risk-based capital ratio | 35.3886% | 324 |
| Total risk-based capital ratio | 36.0918% | 330 |
| Memoranda: | ||
| Average total assets | $27,745,330 | 5,401 |
| Average earning assets | $26,492,330 | 5,377 |
| Average equity | $4,970,330 | 5,169 |
| Average total loans | $7,998,670 | 5,456 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3436% | 5,077 |
| Cost of funding earning assets | 0.4407% | 3,278 |
| Net interest margin | 2.9028% | 5,022 |
| Noninterest income to average assets | 0.0867% | 5,374 |
| Noninterest expense to average assets | 1.2856% | 5,501 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4878% | 1,111 |
| Return on assets (ROA) | 1.4878% | 1,114 |
| Pretax return on assets | 1.5600% | 1,498 |
| Return on Equity (ROE) | 8.3638% | 3,210 |
| Retained earnings to average equity (ytd only) | 8.3638% | 1,701 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1777% | 5,311 |
| Assets per employee ($millions) | 6.8980% | 1,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1628% | 3,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 29.2657% | 5,380 |
| Net loans and leases to deposits | 36.9092% | 5,339 |
| Net loans and leases to core deposits | 38.3975% | 5,347 |
| Total domestic deposits to total assets | 79.2911% | 4,531 |
| Equity capital to assets | 17.9980% | 315 |
| Core capital (leverage) ratio | 17.1702% | 368 |
| Tier 1 risk-based capital ratio | 33.4642% | 360 |
| Total risk-based capital ratio | 34.1422% | 373 |
| Memoranda: | ||
| Average total assets | $27,691,500 | 5,461 |
| Average earning assets | $26,319,000 | 5,437 |
| Average equity | $4,926,000 | 5,232 |
| Average total loans | $8,037,500 | 5,515 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1020% | 5,288 |
| Cost of funding earning assets | 0.4501% | 2,775 |
| Net interest margin | 2.6520% | 5,316 |
| Noninterest income to average assets | 0.1276% | 5,307 |
| Noninterest expense to average assets | 1.2829% | 5,561 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.3006% | 1,220 |
| Return on assets (ROA) | 1.3006% | 1,234 |
| Pretax return on assets | 1.3715% | 2,087 |
| Return on Equity (ROE) | 7.8212% | 2,880 |
| Retained earnings to average equity (ytd only) | 7.8212% | 821 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3311% | 5,297 |
| Assets per employee ($millions) | 6.9478% | 992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2018% | 2,766 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 28.1026% | 5,465 |
| Net loans and leases to deposits | 35.2183% | 5,445 |
| Net loans and leases to core deposits | 36.6185% | 5,449 |
| Total domestic deposits to total assets | 79.7956% | 4,376 |
| Equity capital to assets | 17.5812% | 350 |
| Core capital (leverage) ratio | 16.7372% | 388 |
| Tier 1 risk-based capital ratio | 33.4013% | 358 |
| Total risk-based capital ratio | 34.0932% | 366 |
| Memoranda: | ||
| Average total assets | $28,216,800 | 5,514 |
| Average earning assets | $26,885,800 | 5,489 |
| Average equity | $4,692,400 | 5,319 |
| Average total loans | $6,864,200 | 5,596 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0734% | 5,360 |
| Cost of funding earning assets | 0.4489% | 2,725 |
| Net interest margin | 2.6245% | 5,387 |
| Noninterest income to average assets | 0.1224% | 5,389 |
| Noninterest expense to average assets | 1.2851% | 5,623 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2710% | 1,431 |
| Return on assets (ROA) | 1.2710% | 1,461 |
| Pretax return on assets | 1.3416% | 2,323 |
| Return on Equity (ROE) | 7.7517% | 3,262 |
| Retained earnings to average equity (ytd only) | 7.7517% | 1,322 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9247% | 5,295 |
| Assets per employee ($millions) | 6.9210% | 982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4363% | 1,753 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 23.5479% | 5,607 |
| Net loans and leases to deposits | 29.4897% | 5,596 |
| Net loans and leases to core deposits | 30.6661% | 5,591 |
| Total domestic deposits to total assets | 79.8512% | 4,345 |
| Equity capital to assets | 17.3855% | 387 |
| Core capital (leverage) ratio | 16.1563% | 473 |
| Tier 1 risk-based capital ratio | 35.5025% | 315 |
| Total risk-based capital ratio | 36.2537% | 320 |
| Memoranda: | ||
| Average total assets | $28,323,250 | 5,574 |
| Average earning assets | $27,027,000 | 5,542 |
| Average equity | $4,644,000 | 5,384 |
| Average total loans | $6,604,000 | 5,663 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0377% | 5,407 |
| Cost of funding earning assets | 0.4413% | 2,680 |
| Net interest margin | 2.5964% | 5,442 |
| Noninterest income to average assets | 0.1191% | 5,456 |
| Noninterest expense to average assets | 1.3246% | 5,659 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2125% | 1,557 |
| Return on assets (ROA) | 1.2125% | 1,593 |
| Pretax return on assets | 1.2686% | 2,504 |
| Return on Equity (ROE) | 7.5420% | 3,272 |
| Retained earnings to average equity (ytd only) | 7.5420% | 1,333 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0811% | 5,236 |
| Assets per employee ($millions) | 7.1928% | 850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2936% | 2,444 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 25.1955% | 5,626 |
| Net loans and leases to deposits | 31.1651% | 5,616 |
| Net loans and leases to core deposits | 33.0085% | 5,613 |
| Total domestic deposits to total assets | 80.8453% | 4,222 |
| Equity capital to assets | 16.3915% | 487 |
| Core capital (leverage) ratio | 15.4319% | 558 |
| Tier 1 risk-based capital ratio | 33.1422% | 358 |
| Total risk-based capital ratio | 33.8589% | 373 |
| Memoranda: | ||
| Average total assets | $28,536,330 | 5,615 |
| Average earning assets | $27,191,670 | 5,589 |
| Average equity | $4,587,670 | 5,430 |
| Average total loans | $6,600,670 | 5,712 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9806% | 5,479 |
| Cost of funding earning assets | 0.4300% | 2,721 |
| Net interest margin | 2.5506% | 5,507 |
| Noninterest income to average assets | 0.1267% | 5,487 |
| Noninterest expense to average assets | 1.4075% | 5,688 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0697% | 1,987 |
| Return on assets (ROA) | 1.0697% | 2,032 |
| Pretax return on assets | 1.1401% | 2,823 |
| Return on Equity (ROE) | 6.7205% | 3,534 |
| Retained earnings to average equity (ytd only) | 6.7205% | 1,963 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2486% | 5,016 |
| Assets per employee ($millions) | 7.1820% | 868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4425% | 1,894 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 22.5947% | 5,718 |
| Net loans and leases to deposits | 27.7904% | 5,707 |
| Net loans and leases to core deposits | 29.4270% | 5,699 |
| Total domestic deposits to total assets | 81.3040% | 4,344 |
| Equity capital to assets | 15.9392% | 510 |
| Core capital (leverage) ratio | 15.2100% | 566 |
| Tier 1 risk-based capital ratio | 33.3307% | 370 |
| Total risk-based capital ratio | 34.0680% | 374 |
| Memoranda: | ||
| Average total assets | $28,419,000 | 5,684 |
| Average earning assets | $26,974,000 | 5,656 |
| Average equity | $4,523,500 | 5,496 |
| Average total loans | $6,229,000 | 5,785 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0368% | 5,473 |
| Cost of funding earning assets | 0.4526% | 2,517 |
| Net interest margin | 2.5842% | 5,532 |
| Noninterest income to average assets | 0.1246% | 5,562 |
| Noninterest expense to average assets | 1.3330% | 5,800 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1772% | 1,578 |
| Return on assets (ROA) | 1.1772% | 1,677 |
| Pretax return on assets | 1.2430% | 2,499 |
| Return on Equity (ROE) | 7.7661% | 3,076 |
| Retained earnings to average equity (ytd only) | 7.7661% | 937 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7473% | 5,400 |
| Assets per employee ($millions) | 7.0275% | 912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6178% | 1,331 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 20.5514% | 5,794 |
| Net loans and leases to deposits | 25.1765% | 5,795 |
| Net loans and leases to core deposits | 26.6873% | 5,787 |
| Total domestic deposits to total assets | 81.6293% | 4,166 |
| Equity capital to assets | 15.8947% | 509 |
| Core capital (leverage) ratio | 14.7626% | 642 |
| Tier 1 risk-based capital ratio | 33.8658% | 351 |
| Total risk-based capital ratio | 34.6284% | 358 |
| Memoranda: | ||
| Average total assets | $28,881,400 | 5,728 |
| Average earning assets | $27,397,600 | 5,704 |
| Average equity | $4,378,000 | 5,577 |
| Average total loans | $6,904,200 | 5,831 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0239% | 5,547 |
| Cost of funding earning assets | 0.4541% | 2,519 |
| Net interest margin | 2.5698% | 5,608 |
| Noninterest income to average assets | 0.1422% | 5,550 |
| Noninterest expense to average assets | 1.3161% | 5,857 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2015% | 1,646 |
| Return on assets (ROA) | 1.2015% | 1,735 |
| Pretax return on assets | 1.2657% | 2,553 |
| Return on Equity (ROE) | 8.0202% | 2,989 |
| Retained earnings to average equity (ytd only) | 8.0202% | 1,161 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9769% | 5,442 |
| Assets per employee ($millions) | 7.1728% | 829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3005% | 2,687 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 25.1298% | 5,810 |
| Net loans and leases to deposits | 30.9137% | 5,804 |
| Net loans and leases to core deposits | 32.7370% | 5,796 |
| Total domestic deposits to total assets | 81.2903% | 4,169 |
| Equity capital to assets | 15.6809% | 598 |
| Core capital (leverage) ratio | 14.6392% | 693 |
| Tier 1 risk-based capital ratio | 29.9248% | 482 |
| Total risk-based capital ratio | 30.6114% | 500 |
| Memoranda: | ||
| Average total assets | $29,074,250 | 5,783 |
| Average earning assets | $27,602,000 | 5,758 |
| Average equity | $4,355,500 | 5,644 |
| Average total loans | $7,162,250 | 5,891 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9826% | 5,664 |
| Cost of funding earning assets | 0.4488% | 2,580 |
| Net interest margin | 2.5338% | 5,720 |
| Noninterest income to average assets | 0.1575% | 5,530 |
| Noninterest expense to average assets | 1.3629% | 5,912 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1301% | 1,856 |
| Return on assets (ROA) | 1.1301% | 1,968 |
| Pretax return on assets | 1.1917% | 2,812 |
| Return on Equity (ROE) | 7.6608% | 3,166 |
| Retained earnings to average equity (ytd only) | 7.6608% | 1,307 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3512% | 5,363 |
| Assets per employee ($millions) | 7.3603% | 744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3005% | 2,782 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 24.4897% | 5,890 |
| Net loans and leases to deposits | 29.7553% | 5,887 |
| Net loans and leases to core deposits | 31.4422% | 5,877 |
| Total domestic deposits to total assets | 82.3036% | 3,907 |
| Equity capital to assets | 15.0063% | 727 |
| Core capital (leverage) ratio | 14.3986% | 726 |
| Tier 1 risk-based capital ratio | 29.0777% | 539 |
| Total risk-based capital ratio | 29.7606% | 555 |
| Memoranda: | ||
| Average total assets | $29,202,000 | 5,859 |
| Average earning assets | $27,626,670 | 5,828 |
| Average equity | $4,307,670 | 5,716 |
| Average total loans | $7,114,670 | 5,970 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9907% | 5,696 |
| Cost of funding earning assets | 0.4668% | 2,408 |
| Net interest margin | 2.5239% | 5,785 |
| Noninterest income to average assets | 0.1926% | 5,353 |
| Noninterest expense to average assets | 1.4304% | 5,946 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0866% | 1,957 |
| Return on assets (ROA) | 1.0866% | 2,057 |
| Pretax return on assets | 1.1416% | 2,927 |
| Return on Equity (ROE) | 7.4309% | 3,225 |
| Retained earnings to average equity (ytd only) | 7.4309% | 1,695 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6150% | 5,226 |
| Assets per employee ($millions) | 5.7302% | 1,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3569% | 2,620 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 24.1039% | 5,941 |
| Net loans and leases to deposits | 29.3610% | 5,938 |
| Net loans and leases to core deposits | 31.0787% | 5,932 |
| Total domestic deposits to total assets | 82.0949% | 4,196 |
| Equity capital to assets | 14.9977% | 694 |
| Core capital (leverage) ratio | 14.1433% | 780 |
| Tier 1 risk-based capital ratio | 29.0219% | 550 |
| Total risk-based capital ratio | 29.7184% | 566 |
| Memoranda: | ||
| Average total assets | $29,082,500 | 5,918 |
| Average earning assets | $27,418,000 | 5,891 |
| Average equity | $4,252,500 | 5,769 |
| Average total loans | $7,019,500 | 6,031 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2114% | 5,507 |
| Cost of funding earning assets | 0.5340% | 1,885 |
| Net interest margin | 2.6774% | 5,676 |
| Noninterest income to average assets | 0.1275% | 5,772 |
| Noninterest expense to average assets | 1.3545% | 6,054 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.2132% | 1,509 |
| Return on assets (ROA) | 1.2132% | 1,575 |
| Pretax return on assets | 1.2787% | 2,365 |
| Return on Equity (ROE) | 8.3849% | 2,765 |
| Retained earnings to average equity (ytd only) | 3.6208% | 3,482 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4398% | 5,669 |
| Assets per employee ($millions) | 5.9028% | 1,456 |
| Cash dividends to net income (ytd only)* | 56.8182% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3498% | 2,667 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 23.5244% | 6,012 |
| Net loans and leases to deposits | 28.7769% | 6,007 |
| Net loans and leases to core deposits | 30.4144% | 6,000 |
| Total domestic deposits to total assets | 81.7476% | 4,240 |
| Equity capital to assets | 14.2576% | 849 |
| Core capital (leverage) ratio | 13.8610% | 856 |
| Tier 1 risk-based capital ratio | 28.6527% | 571 |
| Total risk-based capital ratio | 29.3544% | 586 |
| Memoranda: | ||
| Average total assets | $29,013,400 | 5,973 |
| Average earning assets | $27,153,000 | 5,946 |
| Average equity | $4,198,000 | 5,822 |
| Average total loans | $7,718,400 | 6,069 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2823% | 5,441 |
| Cost of funding earning assets | 0.5569% | 1,747 |
| Net interest margin | 2.7254% | 5,694 |
| Noninterest income to average assets | 0.1246% | 5,849 |
| Noninterest expense to average assets | 1.3200% | 6,143 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2877% | 1,373 |
| Return on assets (ROA) | 1.2877% | 1,428 |
| Pretax return on assets | 1.3569% | 2,189 |
| Return on Equity (ROE) | 8.8664% | 2,649 |
| Retained earnings to average equity (ytd only) | 8.8664% | 950 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3103% | 5,813 |
| Assets per employee ($millions) | 5.7088% | 1,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2697% | 3,259 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 25.8793% | 6,066 |
| Net loans and leases to deposits | 32.2915% | 6,046 |
| Net loans and leases to core deposits | 34.2355% | 6,041 |
| Total domestic deposits to total assets | 80.1429% | 4,712 |
| Equity capital to assets | 15.1205% | 711 |
| Core capital (leverage) ratio | 14.6311% | 708 |
| Tier 1 risk-based capital ratio | 28.9954% | 568 |
| Total risk-based capital ratio | 29.6830% | 587 |
| Memoranda: | ||
| Average total assets | $28,888,250 | 6,057 |
| Average earning assets | $27,053,250 | 6,029 |
| Average equity | $4,195,500 | 5,901 |
| Average total loans | $7,888,500 | 6,149 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2943% | 5,447 |
| Cost of funding earning assets | 0.5490% | 1,827 |
| Net interest margin | 2.7452% | 5,714 |
| Noninterest income to average assets | 0.1310% | 5,899 |
| Noninterest expense to average assets | 1.3240% | 6,210 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2895% | 1,354 |
| Return on assets (ROA) | 1.2895% | 1,418 |
| Pretax return on assets | 1.3585% | 2,152 |
| Return on Equity (ROE) | 9.0005% | 2,548 |
| Retained earnings to average equity (ytd only) | 9.0005% | 926 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3573% | 5,881 |
| Assets per employee ($millions) | 7.1440% | 787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2108% | 3,728 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 27.1242% | 6,113 |
| Net loans and leases to deposits | 33.6678% | 6,087 |
| Net loans and leases to core deposits | 35.4656% | 6,076 |
| Total domestic deposits to total assets | 80.5641% | 4,727 |
| Equity capital to assets | 14.7361% | 759 |
| Core capital (leverage) ratio | 14.0979% | 812 |
| Tier 1 risk-based capital ratio | 27.9771% | 640 |
| Total risk-based capital ratio | 28.6562% | 663 |
| Memoranda: | ||
| Average total assets | $29,003,000 | 6,127 |
| Average earning assets | $26,955,670 | 6,102 |
| Average equity | $4,155,330 | 5,967 |
| Average total loans | $8,024,000 | 6,219 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2640% | 5,529 |
| Cost of funding earning assets | 0.5813% | 1,572 |
| Net interest margin | 2.6827% | 5,827 |
| Noninterest income to average assets | 0.1369% | 5,923 |
| Noninterest expense to average assets | 1.2596% | 6,299 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2733% | 1,350 |
| Return on assets (ROA) | 1.2733% | 1,433 |
| Pretax return on assets | 1.3417% | 2,115 |
| Return on Equity (ROE) | 9.0127% | 2,437 |
| Retained earnings to average equity (ytd only) | 9.0127% | 1,184 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4211% | 5,995 |
| Assets per employee ($millions) | 7.4353% | 696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1642% | 4,177 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 27.1174% | 6,167 |
| Net loans and leases to deposits | 33.4398% | 6,129 |
| Net loans and leases to core deposits | 35.1401% | 6,121 |
| Total domestic deposits to total assets | 81.0934% | 4,802 |
| Equity capital to assets | 14.0816% | 961 |
| Core capital (leverage) ratio | 13.9574% | 835 |
| Tier 1 risk-based capital ratio | 26.3576% | 763 |
| Total risk-based capital ratio | 27.0130% | 793 |
| Memoranda: | ||
| Average total assets | $29,216,500 | 6,185 |
| Average earning assets | $26,838,500 | 6,166 |
| Average equity | $4,127,500 | 6,025 |
| Average total loans | $8,113,000 | 6,279 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5018% | 5,311 |
| Cost of funding earning assets | 0.5886% | 1,871 |
| Net interest margin | 2.9132% | 5,615 |
| Noninterest income to average assets | 0.1591% | 5,908 |
| Noninterest expense to average assets | 1.2488% | 6,407 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.5463% | 799 |
| Return on assets (ROA) | 1.5463% | 829 |
| Pretax return on assets | 1.6155% | 1,192 |
| Return on Equity (ROE) | 11.4194% | 1,585 |
| Retained earnings to average equity (ytd only) | 7.8428% | 1,078 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5990% | 6,332 |
| Assets per employee ($millions) | 7.1730% | 772 |
| Cash dividends to net income (ytd only)* | 31.3199% | 3,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1778% | 4,132 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 27.7813% | 6,243 |
| Net loans and leases to deposits | 34.8611% | 6,196 |
| Net loans and leases to core deposits | 36.7344% | 6,190 |
| Total domestic deposits to total assets | 79.6912% | 5,097 |
| Equity capital to assets | 14.1747% | 906 |
| Core capital (leverage) ratio | 13.6276% | 929 |
| Tier 1 risk-based capital ratio | 27.2601% | 662 |
| Total risk-based capital ratio | 27.9549% | 687 |
| Memoranda: | ||
| Average total assets | $28,907,200 | 6,266 |
| Average earning assets | $26,843,000 | 6,246 |
| Average equity | $3,914,400 | 6,105 |
| Average total loans | $8,756,000 | 6,347 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5511% | 5,267 |
| Cost of funding earning assets | 0.6264% | 1,627 |
| Net interest margin | 2.9247% | 5,650 |
| Noninterest income to average assets | 0.1703% | 5,904 |
| Noninterest expense to average assets | 1.2246% | 6,476 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.6113% | 734 |
| Return on assets (ROA) | 1.6113% | 764 |
| Pretax return on assets | 1.6758% | 1,124 |
| Return on Equity (ROE) | 12.0390% | 1,467 |
| Retained earnings to average equity (ytd only) | 12.0390% | 415 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2222% | 6,410 |
| Assets per employee ($millions) | 7.0910% | 780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1154% | 4,681 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 29.6926% | 6,263 |
| Net loans and leases to deposits | 37.5295% | 6,201 |
| Net loans and leases to core deposits | 40.0590% | 6,179 |
| Total domestic deposits to total assets | 79.1179% | 5,297 |
| Equity capital to assets | 14.4761% | 855 |
| Core capital (leverage) ratio | 13.7848% | 900 |
| Tier 1 risk-based capital ratio | 27.1399% | 698 |
| Total risk-based capital ratio | 27.8238% | 724 |
| Memoranda: | ||
| Average total assets | $28,961,000 | 6,341 |
| Average earning assets | $27,033,500 | 6,314 |
| Average equity | $3,876,250 | 6,181 |
| Average total loans | $8,928,500 | 6,415 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5656% | 5,248 |
| Cost of funding earning assets | 0.6114% | 1,801 |
| Net interest margin | 2.9541% | 5,628 |
| Noninterest income to average assets | 0.1646% | 5,967 |
| Noninterest expense to average assets | 1.1934% | 6,554 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.6598% | 627 |
| Return on assets (ROA) | 1.6598% | 663 |
| Pretax return on assets | 1.7215% | 975 |
| Return on Equity (ROE) | 12.7379% | 1,248 |
| Retained earnings to average equity (ytd only) | 12.7379% | 361 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9412% | 6,504 |
| Assets per employee ($millions) | 7.3788% | 670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0803% | 4,982 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 29.4731% | 6,325 |
| Net loans and leases to deposits | 36.3276% | 6,283 |
| Net loans and leases to core deposits | 39.0370% | 6,243 |
| Total domestic deposits to total assets | 81.1316% | 4,939 |
| Equity capital to assets | 13.4745% | 1,168 |
| Core capital (leverage) ratio | 12.8821% | 1,204 |
| Tier 1 risk-based capital ratio | 26.0882% | 765 |
| Total risk-based capital ratio | 26.7650% | 803 |
| Memoranda: | ||
| Average total assets | $29,160,000 | 6,399 |
| Average earning assets | $27,148,670 | 6,372 |
| Average equity | $3,799,670 | 6,243 |
| Average total loans | $9,065,670 | 6,473 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5099% | 5,395 |
| Cost of funding earning assets | 0.6341% | 1,697 |
| Net interest margin | 2.8757% | 5,801 |
| Noninterest income to average assets | 0.1518% | 6,064 |
| Noninterest expense to average assets | 1.2145% | 6,626 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5458% | 744 |
| Return on assets (ROA) | 1.5458% | 774 |
| Pretax return on assets | 1.6286% | 1,114 |
| Return on Equity (ROE) | 12.0722% | 1,389 |
| Retained earnings to average equity (ytd only) | 12.0722% | 598 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7184% | 6,528 |
| Assets per employee ($millions) | 7.4850% | 635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0147% | 5,461 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 30.9519% | 6,309 |
| Net loans and leases to deposits | 37.8368% | 6,257 |
| Net loans and leases to core deposits | 40.5913% | 6,216 |
| Total domestic deposits to total assets | 81.8036% | 4,994 |
| Equity capital to assets | 12.6587% | 1,483 |
| Core capital (leverage) ratio | 13.1121% | 1,118 |
| Tier 1 risk-based capital ratio | 24.1158% | 985 |
| Total risk-based capital ratio | 24.7644% | 1,052 |
| Memoranda: | ||
| Average total assets | $28,982,500 | 6,471 |
| Average earning assets | $27,123,500 | 6,434 |
| Average equity | $3,711,000 | 6,305 |
| Average total loans | $9,201,500 | 6,544 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8417% | 4,654 |
| Cost of funding earning assets | 0.5629% | 2,995 |
| Net interest margin | 3.2787% | 4,740 |
| Noninterest income to average assets | 0.1210% | 6,317 |
| Noninterest expense to average assets | 1.3234% | 6,676 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.7680% | 513 |
| Return on assets (ROA) | 1.7680% | 530 |
| Pretax return on assets | 1.8641% | 658 |
| Return on Equity (ROE) | 14.2333% | 899 |
| Retained earnings to average equity (ytd only) | 12.2286% | 294 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.5179% | 6,662 |
| Assets per employee ($millions) | 7.0063% | 766 |
| Cash dividends to net income (ytd only)* | 14.0845% | 3,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0508% | 5,343 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 31.9215% | 6,387 |
| Net loans and leases to deposits | 39.1270% | 6,333 |
| Net loans and leases to core deposits | 41.6966% | 6,317 |
| Total domestic deposits to total assets | 81.5843% | 5,010 |
| Equity capital to assets | 12.9599% | 1,291 |
| Core capital (leverage) ratio | 12.3417% | 1,427 |
| Tier 1 risk-based capital ratio | 26.7021% | 713 |
| Total risk-based capital ratio | 27.4438% | 735 |
| Memoranda: | ||
| Average total assets | $28,110,400 | 6,558 |
| Average earning assets | $26,290,600 | 6,523 |
| Average equity | $3,491,800 | 6,438 |
| Average total loans | $9,449,600 | 6,612 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8888% | 4,546 |
| Cost of funding earning assets | 0.5894% | 2,904 |
| Net interest margin | 3.2994% | 4,641 |
| Noninterest income to average assets | 0.1280% | 6,379 |
| Noninterest expense to average assets | 1.2749% | 6,755 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.8579% | 466 |
| Return on assets (ROA) | 1.8579% | 479 |
| Pretax return on assets | 1.9574% | 636 |
| Return on Equity (ROE) | 15.1197% | 781 |
| Retained earnings to average equity (ytd only) | 13.9625% | 254 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.4428% | 6,765 |
| Assets per employee ($millions) | 6.9633% | 765 |
| Cash dividends to net income (ytd only)* | 7.6533% | 3,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0304% | 5,593 |
| Loan loss allowance to noncurrent loans | 1,583.3333% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.0215% | 6,423 |
| Noncurrent loans to loans | 0.0651% | 6,145 |
| Net loans and leases to total assets | 32.7613% | 6,417 |
| Net loans and leases to deposits | 40.3833% | 6,374 |
| Net loans and leases to core deposits | 43.2711% | 6,335 |
| Total domestic deposits to total assets | 81.1259% | 5,185 |
| Equity capital to assets | 12.8568% | 1,393 |
| Core capital (leverage) ratio | 11.7148% | 1,882 |
| Tier 1 risk-based capital ratio | 25.7187% | 806 |
| Total risk-based capital ratio | 26.4469% | 847 |
| Memoranda: | ||
| Average total assets | $28,131,750 | 6,638 |
| Average earning assets | $26,468,750 | 6,594 |
| Average equity | $3,456,750 | 6,517 |
| Average total loans | $9,551,750 | 6,681 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8912% | 4,514 |
| Cost of funding earning assets | 0.5742% | 3,175 |
| Net interest margin | 3.3170% | 4,501 |
| Noninterest income to average assets | 0.1063% | 6,510 |
| Noninterest expense to average assets | 1.2897% | 6,796 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.8282% | 485 |
| Return on assets (ROA) | 1.8282% | 518 |
| Pretax return on assets | 1.9274% | 706 |
| Return on Equity (ROE) | 15.1083% | 791 |
| Retained earnings to average equity (ytd only) | 13.3516% | 344 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.0881% | 6,798 |
| Assets per employee ($millions) | 5.6842% | 1,432 |
| Cash dividends to net income (ytd only)* | 11.6279% | 3,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0037% | 5,803 |
| Loan loss allowance to noncurrent loans | 1,583.3333% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.0211% | 6,479 |
| Noncurrent loans to loans | 0.0634% | 6,200 |
| Net loans and leases to total assets | 32.9686% | 6,460 |
| Net loans and leases to deposits | 39.1739% | 6,446 |
| Net loans and leases to core deposits | 40.9904% | 6,434 |
| Total domestic deposits to total assets | 84.1596% | 4,257 |
| Equity capital to assets | 12.1424% | 1,817 |
| Core capital (leverage) ratio | 11.3595% | 2,047 |
| Tier 1 risk-based capital ratio | 24.0391% | 994 |
| Total risk-based capital ratio | 24.7481% | 1,043 |
| Memoranda: | ||
| Average total assets | $28,224,670 | 6,686 |
| Average earning assets | $26,470,000 | 6,642 |
| Average equity | $3,415,330 | 6,578 |
| Average total loans | $9,662,330 | 6,724 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8368% | 4,690 |
| Cost of funding earning assets | 0.5809% | 3,283 |
| Net interest margin | 3.2559% | 4,705 |
| Noninterest income to average assets | 0.0996% | 6,580 |
| Noninterest expense to average assets | 1.2799% | 6,887 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.7635% | 499 |
| Return on assets (ROA) | 1.7635% | 552 |
| Pretax return on assets | 1.8488% | 804 |
| Return on Equity (ROE) | 14.5990% | 842 |
| Retained earnings to average equity (ytd only) | 14.5990% | 385 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9091% | 6,854 |
| Assets per employee ($millions) | 5.9396% | 1,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9699% | 6,078 |
| Loan loss allowance to noncurrent loans | 1,900.0000% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.0168% | 6,568 |
| Noncurrent loans to loans | 0.0510% | 6,326 |
| Net loans and leases to total assets | 32.6621% | 6,482 |
| Net loans and leases to deposits | 38.4356% | 6,488 |
| Net loans and leases to core deposits | 40.1208% | 6,476 |
| Total domestic deposits to total assets | 84.9788% | 4,050 |
| Equity capital to assets | 11.4553% | 2,454 |
| Core capital (leverage) ratio | 11.7330% | 1,723 |
| Tier 1 risk-based capital ratio | 22.6263% | 1,216 |
| Total risk-based capital ratio | 23.3159% | 1,289 |
| Memoranda: | ||
| Average total assets | $28,126,500 | 6,755 |
| Average earning assets | $26,167,500 | 6,718 |
| Average equity | $3,397,500 | 6,643 |
| Average total loans | $9,761,000 | 6,783 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6318% | 2,873 |
| Cost of funding earning assets | 0.6392% | 4,013 |
| Net interest margin | 3.9926% | 2,417 |
| Noninterest income to average assets | 0.1185% | 6,443 |
| Noninterest expense to average assets | 1.4755% | 6,883 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 2.1101% | 298 |
| Return on assets (ROA) | 2.1101% | 327 |
| Pretax return on assets | 2.2248% | 389 |
| Return on Equity (ROE) | 17.0160% | 537 |
| Retained earnings to average equity (ytd only) | 10.6967% | 476 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.8760% | 6,927 |
| Assets per employee ($millions) | 6.6388% | 928 |
| Cash dividends to net income (ytd only)* | 37.1377% | 3,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9767% | 6,039 |
| Loan loss allowance to noncurrent loans | 1,900.0000% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0188% | 6,628 |
| Noncurrent loans to loans | 0.0514% | 6,370 |
| Net loans and leases to total assets | 36.2719% | 6,413 |
| Net loans and leases to deposits | 43.6054% | 6,390 |
| Net loans and leases to core deposits | 45.8012% | 6,384 |
| Total domestic deposits to total assets | 83.1821% | 4,642 |
| Equity capital to assets | 12.7773% | 1,548 |
| Core capital (leverage) ratio | 11.2663% | 2,040 |
| Tier 1 risk-based capital ratio | 22.7570% | 1,147 |
| Total risk-based capital ratio | 23.4793% | 1,197 |
| Memoranda: | ||
| Average total assets | $26,160,000 | 6,836 |
| Average earning assets | $23,468,400 | 6,827 |
| Average equity | $3,244,000 | 6,737 |
| Average total loans | $10,197,000 | 6,841 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7580% | 2,549 |
| Cost of funding earning assets | 0.7108% | 3,674 |
| Net interest margin | 4.0471% | 2,304 |
| Noninterest income to average assets | 0.1177% | 6,550 |
| Noninterest expense to average assets | 1.4376% | 6,973 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.1743% | 298 |
| Return on assets (ROA) | 2.1743% | 333 |
| Pretax return on assets | 2.2920% | 406 |
| Return on Equity (ROE) | 17.6705% | 536 |
| Retained earnings to average equity (ytd only) | 16.4232% | 177 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.5460% | 7,036 |
| Assets per employee ($millions) | 5.3942% | 1,737 |
| Cash dividends to net income (ytd only)* | 7.0590% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8994% | 6,383 |
| Loan loss allowance to noncurrent loans | 1,900.0000% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.0185% | 6,724 |
| Noncurrent loans to loans | 0.0473% | 6,501 |
| Net loans and leases to total assets | 38.8121% | 6,366 |
| Net loans and leases to deposits | 46.7134% | 6,337 |
| Net loans and leases to core deposits | 49.0327% | 6,348 |
| Total domestic deposits to total assets | 83.0855% | 4,610 |
| Equity capital to assets | 12.7915% | 1,712 |
| Core capital (leverage) ratio | 11.8794% | 1,725 |
| Tier 1 risk-based capital ratio | 21.4306% | 1,436 |
| Total risk-based capital ratio | 22.1001% | 1,530 |
| Memoranda: | ||
| Average total assets | $26,061,250 | 6,924 |
| Average earning assets | $23,258,750 | 6,921 |
| Average equity | $3,206,750 | 6,830 |
| Average total loans | $10,314,500 | 6,927 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8840% | 2,177 |
| Cost of funding earning assets | 0.7379% | 3,701 |
| Net interest margin | 4.1462% | 1,924 |
| Noninterest income to average assets | 0.1165% | 6,604 |
| Noninterest expense to average assets | 1.4753% | 7,020 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.1896% | 286 |
| Return on assets (ROA) | 2.1896% | 324 |
| Pretax return on assets | 2.3061% | 405 |
| Return on Equity (ROE) | 18.0441% | 504 |
| Retained earnings to average equity (ytd only) | 16.1245% | 219 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.0144% | 7,078 |
| Assets per employee ($millions) | 5.2218% | 1,902 |
| Cash dividends to net income (ytd only)* | 10.6383% | 3,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9176% | 6,416 |
| Loan loss allowance to noncurrent loans | 2,375.0000% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0153% | 6,799 |
| Noncurrent loans to loans | 0.0386% | 6,584 |
| Net loans and leases to total assets | 39.2891% | 6,387 |
| Net loans and leases to deposits | 47.2915% | 6,356 |
| Net loans and leases to core deposits | 48.6553% | 6,422 |
| Total domestic deposits to total assets | 83.0786% | 4,726 |
| Equity capital to assets | 12.5819% | 1,764 |
| Core capital (leverage) ratio | 11.7954% | 1,726 |
| Tier 1 risk-based capital ratio | 20.9046% | 1,500 |
| Total risk-based capital ratio | 21.5898% | 1,594 |
| Memoranda: | ||
| Average total assets | $25,758,000 | 6,994 |
| Average earning assets | $22,768,000 | 6,990 |
| Average equity | $3,125,670 | 6,879 |
| Average total loans | $10,231,670 | 6,989 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0251% | 1,801 |
| Cost of funding earning assets | 0.7204% | 4,105 |
| Net interest margin | 4.3047% | 1,456 |
| Noninterest income to average assets | 0.1094% | 6,699 |
| Noninterest expense to average assets | 1.4385% | 7,090 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.2672% | 251 |
| Return on assets (ROA) | 2.2672% | 303 |
| Pretax return on assets | 2.4079% | 383 |
| Return on Equity (ROE) | 19.0414% | 452 |
| Retained earnings to average equity (ytd only) | 19.0414% | 216 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.3984% | 7,163 |
| Assets per employee ($millions) | 5.2088% | 1,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9611% | 6,384 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 37.5864% | 6,523 |
| Net loans and leases to deposits | 44.9098% | 6,497 |
| Net loans and leases to core deposits | 46.2007% | 6,554 |
| Total domestic deposits to total assets | 83.6930% | 4,638 |
| Equity capital to assets | 11.9605% | 2,072 |
| Core capital (leverage) ratio | 11.7008% | 1,768 |
| Tier 1 risk-based capital ratio | 20.7063% | 1,543 |
| Total risk-based capital ratio | 21.4111% | 1,646 |
| Memoranda: | ||
| Average total assets | $25,582,500 | 7,061 |
| Average earning assets | $22,208,500 | 7,070 |
| Average equity | $3,046,000 | 6,952 |
| Average total loans | $10,171,000 | 7,054 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9245% | 3,238 |
| Cost of funding earning assets | 0.8688% | 4,332 |
| Net interest margin | 4.0557% | 2,613 |
| Noninterest income to average assets | 0.1336% | 6,487 |
| Noninterest expense to average assets | 1.5501% | 7,142 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 2.1693% | 239 |
| Return on assets (ROA) | 2.1693% | 253 |
| Pretax return on assets | 2.2867% | 311 |
| Return on Equity (ROE) | 18.3625% | 359 |
| Retained earnings to average equity (ytd only) | 5.5156% | 2,289 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.4008% | 7,205 |
| Assets per employee ($millions) | 5.0242% | 2,168 |
| Cash dividends to net income (ytd only)* | 69.9627% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9084% | 6,515 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 41.2523% | 6,446 |
| Net loans and leases to deposits | 50.3425% | 6,338 |
| Net loans and leases to core deposits | 51.8747% | 6,436 |
| Total domestic deposits to total assets | 81.9434% | 5,146 |
| Equity capital to assets | 11.8506% | 2,237 |
| Core capital (leverage) ratio | 11.0934% | 2,199 |
| Tier 1 risk-based capital ratio | 19.1489% | 1,855 |
| Total risk-based capital ratio | 19.8364% | 1,986 |
| Memoranda: | ||
| Average total assets | $24,708,000 | 7,112 |
| Average earning assets | $22,560,800 | 7,090 |
| Average equity | $2,919,000 | 7,026 |
| Average total loans | $10,382,800 | 7,102 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9678% | 3,257 |
| Cost of funding earning assets | 0.9075% | 4,346 |
| Net interest margin | 4.0602% | 2,644 |
| Noninterest income to average assets | 0.1301% | 6,602 |
| Noninterest expense to average assets | 1.5335% | 7,203 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 2.2109% | 252 |
| Return on assets (ROA) | 2.2109% | 268 |
| Pretax return on assets | 2.3301% | 347 |
| Return on Equity (ROE) | 18.7292% | 400 |
| Retained earnings to average equity (ytd only) | 6.1054% | 2,496 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.6914% | 7,268 |
| Assets per employee ($millions) | 4.7844% | 2,493 |
| Cash dividends to net income (ytd only)* | 67.4020% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9361% | 6,495 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 42.0241% | 6,502 |
| Net loans and leases to deposits | 51.8972% | 6,373 |
| Net loans and leases to core deposits | 53.5789% | 6,485 |
| Total domestic deposits to total assets | 80.9757% | 5,440 |
| Equity capital to assets | 12.4028% | 1,970 |
| Core capital (leverage) ratio | 10.7067% | 2,655 |
| Tier 1 risk-based capital ratio | 19.8063% | 1,731 |
| Total risk-based capital ratio | 20.5250% | 1,830 |
| Memoranda: | ||
| Average total assets | $24,604,750 | 7,184 |
| Average earning assets | $22,625,250 | 7,160 |
| Average equity | $2,904,500 | 7,094 |
| Average total loans | $10,364,000 | 7,177 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0146% | 3,085 |
| Cost of funding earning assets | 0.9556% | 4,277 |
| Net interest margin | 4.0590% | 2,576 |
| Noninterest income to average assets | 0.1128% | 6,767 |
| Noninterest expense to average assets | 1.5061% | 7,299 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.2149% | 258 |
| Return on assets (ROA) | 2.2149% | 271 |
| Pretax return on assets | 2.3357% | 325 |
| Return on Equity (ROE) | 19.0729% | 380 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,830 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.2034% | 7,346 |
| Assets per employee ($millions) | 4.8682% | 2,305 |
| Cash dividends to net income (ytd only)* | 100.0000% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9325% | 6,574 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 41.4650% | 6,633 |
| Net loans and leases to deposits | 50.7594% | 6,548 |
| Net loans and leases to core deposits | 53.0122% | 6,612 |
| Total domestic deposits to total assets | 81.6893% | 5,278 |
| Equity capital to assets | 11.6470% | 2,366 |
| Core capital (leverage) ratio | 10.1168% | 3,124 |
| Tier 1 risk-based capital ratio | 18.6366% | 1,953 |
| Total risk-based capital ratio | 19.3490% | 2,095 |
| Memoranda: | ||
| Average total assets | $24,832,330 | 7,244 |
| Average earning assets | $22,813,330 | 7,222 |
| Average equity | $2,883,670 | 7,157 |
| Average total loans | $10,436,000 | 7,245 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8694% | 3,727 |
| Cost of funding earning assets | 0.9397% | 4,651 |
| Net interest margin | 3.9297% | 3,000 |
| Noninterest income to average assets | 0.1117% | 6,856 |
| Noninterest expense to average assets | 1.4515% | 7,393 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.2171% | 254 |
| Return on assets (ROA) | 2.2171% | 267 |
| Pretax return on assets | 2.3287% | 321 |
| Return on Equity (ROE) | 19.1197% | 390 |
| Retained earnings to average equity (ytd only) | 19.1197% | 192 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.3966% | 7,415 |
| Assets per employee ($millions) | 5.0470% | 2,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9253% | 6,635 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 40.3091% | 6,755 |
| Net loans and leases to deposits | 49.3116% | 6,664 |
| Net loans and leases to core deposits | 51.6791% | 6,699 |
| Total domestic deposits to total assets | 81.7436% | 5,410 |
| Equity capital to assets | 11.8011% | 2,042 |
| Core capital (leverage) ratio | 11.0303% | 2,171 |
| Tier 1 risk-based capital ratio | 19.5253% | 1,687 |
| Total risk-based capital ratio | 20.2322% | 1,768 |
| Memoranda: | ||
| Average total assets | $25,078,000 | 7,288 |
| Average earning assets | $23,411,500 | 7,253 |
| Average equity | $2,908,000 | 7,194 |
| Average total loans | $10,560,000 | 7,298 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0680% | 4,245 |
| Cost of funding earning assets | 1.2748% | 4,056 |
| Net interest margin | 3.7933% | 3,982 |
| Noninterest income to average assets | 0.1317% | 6,733 |
| Noninterest expense to average assets | 1.4943% | 7,449 |
| Loan and lease loss provision to assets | 0.0823% | 6,328 |
| Net operating income to assets | 1.9780% | 293 |
| Return on assets (ROA) | 1.8607% | 397 |
| Pretax return on assets | 1.9595% | 531 |
| Return on Equity (ROE) | 14.9283% | 728 |
| Retained earnings to average equity (ytd only) | -9.8421% | 6,656 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.8324% | 7,494 |
| Assets per employee ($millions) | 4.9842% | 2,175 |
| Cash dividends to net income (ytd only)* | 165.9292% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8753% | 6,788 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 43.1684% | 6,773 |
| Net loans and leases to deposits | 54.3910% | 6,581 |
| Net loans and leases to core deposits | 57.4219% | 6,604 |
| Total domestic deposits to total assets | 79.3668% | 5,997 |
| Equity capital to assets | 11.3880% | 2,349 |
| Core capital (leverage) ratio | 10.4839% | 2,574 |
| Tier 1 risk-based capital ratio | 18.9060% | 1,741 |
| Total risk-based capital ratio | 19.6287% | 1,842 |
| Memoranda: | ||
| Average total assets | $24,292,400 | 7,366 |
| Average earning assets | $22,592,600 | 7,333 |
| Average equity | $3,027,800 | 7,273 |
| Average total loans | $9,930,600 | 7,399 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1156% | 4,238 |
| Cost of funding earning assets | 1.3487% | 3,908 |
| Net interest margin | 3.7669% | 4,109 |
| Noninterest income to average assets | 0.1381% | 6,865 |
| Noninterest expense to average assets | 1.4971% | 7,548 |
| Loan and lease loss provision to assets | 0.1105% | 5,927 |
| Net operating income to assets | 1.9252% | 386 |
| Return on assets (ROA) | 1.7678% | 597 |
| Pretax return on assets | 1.8672% | 816 |
| Return on Equity (ROE) | 13.8740% | 1,058 |
| Retained earnings to average equity (ytd only) | -7.8039% | 6,757 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.1229% | 7,553 |
| Assets per employee ($millions) | 4.7886% | 2,466 |
| Cash dividends to net income (ytd only)* | 156.2485% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9601% | 6,539 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 40.9305% | 7,031 |
| Net loans and leases to deposits | 50.4608% | 6,986 |
| Net loans and leases to core deposits | 54.0570% | 6,954 |
| Total domestic deposits to total assets | 81.1135% | 5,326 |
| Equity capital to assets | 12.4629% | 1,872 |
| Core capital (leverage) ratio | 11.0008% | 2,261 |
| Tier 1 risk-based capital ratio | 21.4151% | 1,301 |
| Total risk-based capital ratio | 22.1966% | 1,341 |
| Memoranda: | ||
| Average total assets | $24,135,250 | 7,468 |
| Average earning assets | $22,440,750 | 7,433 |
| Average equity | $3,075,250 | 7,344 |
| Average total loans | $9,700,000 | 7,504 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0704% | 4,604 |
| Cost of funding earning assets | 1.3515% | 4,185 |
| Net interest margin | 3.7189% | 4,272 |
| Noninterest income to average assets | 0.1240% | 6,976 |
| Noninterest expense to average assets | 1.4629% | 7,630 |
| Loan and lease loss provision to assets | 0.1653% | 5,237 |
| Net operating income to assets | 1.8720% | 425 |
| Return on assets (ROA) | 1.6364% | 716 |
| Pretax return on assets | 1.7273% | 1,007 |
| Return on Equity (ROE) | 12.7509% | 1,299 |
| Retained earnings to average equity (ytd only) | -19.4483% | 7,239 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.5963% | 7,632 |
| Assets per employee ($millions) | 4.8400% | 2,386 |
| Cash dividends to net income (ytd only)* | 252.5253% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9168% | 6,699 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 42.4256% | 7,012 |
| Net loans and leases to deposits | 51.9191% | 6,982 |
| Net loans and leases to core deposits | 54.3861% | 7,019 |
| Total domestic deposits to total assets | 81.7149% | 5,108 |
| Equity capital to assets | 11.8099% | 2,217 |
| Core capital (leverage) ratio | 10.2631% | 2,880 |
| Tier 1 risk-based capital ratio | 20.0113% | 1,519 |
| Total risk-based capital ratio | 20.7775% | 1,574 |
| Memoranda: | ||
| Average total assets | $24,199,330 | 7,529 |
| Average earning assets | $22,641,330 | 7,487 |
| Average equity | $3,105,670 | 7,381 |
| Average total loans | $9,635,000 | 7,567 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0278% | 4,895 |
| Cost of funding earning assets | 1.3632% | 4,401 |
| Net interest margin | 3.6646% | 4,415 |
| Noninterest income to average assets | 0.0992% | 7,208 |
| Noninterest expense to average assets | 1.4381% | 7,745 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.9753% | 359 |
| Return on assets (ROA) | 1.5042% | 955 |
| Pretax return on assets | 1.5868% | 1,297 |
| Return on Equity (ROE) | 11.2711% | 1,699 |
| Retained earnings to average equity (ytd only) | 11.2711% | 869 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.8451% | 7,709 |
| Assets per employee ($millions) | 4.8606% | 2,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7584% | 7,225 |
| Loan loss allowance to noncurrent loans | 3,750.0000% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 7,478 |
| Noncurrent loans to loans | 0.0202% | 7,363 |
| Net loans and leases to total assets | 40.3818% | 7,229 |
| Net loans and leases to deposits | 50.4809% | 7,108 |
| Net loans and leases to core deposits | 52.6417% | 7,170 |
| Total domestic deposits to total assets | 79.9942% | 5,790 |
| Equity capital to assets | 13.5539% | 1,302 |
| Core capital (leverage) ratio | 12.5223% | 1,395 |
| Tier 1 risk-based capital ratio | 24.0623% | 959 |
| Total risk-based capital ratio | 24.6902% | 995 |
| Memoranda: | ||
| Average total assets | $24,199,000 | 7,616 |
| Average earning assets | $22,594,500 | 7,578 |
| Average equity | $3,229,500 | 7,425 |
| Average total loans | $9,271,500 | 7,678 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2893% | 5,232 |
| Cost of funding earning assets | 1.6554% | 4,762 |
| Net interest margin | 3.6339% | 4,409 |
| Noninterest income to average assets | 0.1251% | 7,125 |
| Noninterest expense to average assets | 1.6578% | 7,736 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.6885% | 459 |
| Return on assets (ROA) | 1.5908% | 596 |
| Pretax return on assets | 1.6802% | 817 |
| Return on Equity (ROE) | 11.6523% | 1,253 |
| Retained earnings to average equity (ytd only) | 1.8329% | 3,815 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1818% | 7,626 |
| Assets per employee ($millions) | 4.8190% | 2,453 |
| Cash dividends to net income (ytd only)* | 84.2697% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8667% | 6,939 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 35.6049% | 7,539 |
| Net loans and leases to deposits | 44.3841% | 7,500 |
| Net loans and leases to core deposits | 49.1577% | 7,604 |
| Total domestic deposits to total assets | 80.2200% | 5,610 |
| Equity capital to assets | 13.1355% | 1,455 |
| Core capital (leverage) ratio | 12.1258% | 1,610 |
| Tier 1 risk-based capital ratio | 25.7066% | 784 |
| Total risk-based capital ratio | 26.3994% | 806 |
| Memoranda: | ||
| Average total assets | $22,378,400 | 7,718 |
| Average earning assets | $20,418,600 | 7,697 |
| Average equity | $3,055,200 | 7,573 |
| Average total loans | $8,017,800 | 7,784 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3954% | 4,972 |
| Cost of funding earning assets | 1.7182% | 4,812 |
| Net interest margin | 3.6772% | 4,178 |
| Noninterest income to average assets | 0.1336% | 7,209 |
| Noninterest expense to average assets | 1.6462% | 7,800 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.7228% | 534 |
| Return on assets (ROA) | 1.5915% | 725 |
| Pretax return on assets | 1.6887% | 995 |
| Return on Equity (ROE) | 11.5373% | 1,478 |
| Retained earnings to average equity (ytd only) | 0.5284% | 4,991 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3776% | 7,695 |
| Assets per employee ($millions) | 4.4824% | 2,888 |
| Cash dividends to net income (ytd only)* | 95.4225% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9709% | 6,437 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 34.1335% | 7,686 |
| Net loans and leases to deposits | 42.8068% | 7,654 |
| Net loans and leases to core deposits | 47.3890% | 7,746 |
| Total domestic deposits to total assets | 79.7385% | 5,549 |
| Equity capital to assets | 14.0371% | 1,294 |
| Core capital (leverage) ratio | 12.7312% | 1,485 |
| Tier 1 risk-based capital ratio | 28.0176% | 682 |
| Total risk-based capital ratio | 28.7848% | 691 |
| Memoranda: | ||
| Average total assets | $21,949,250 | 7,802 |
| Average earning assets | $19,942,500 | 7,787 |
| Average equity | $3,027,750 | 7,653 |
| Average total loans | $7,858,750 | 7,865 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5133% | 4,549 |
| Cost of funding earning assets | 1.8003% | 4,760 |
| Net interest margin | 3.7130% | 3,898 |
| Noninterest income to average assets | 0.1285% | 7,322 |
| Noninterest expense to average assets | 1.5692% | 7,931 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.7972% | 471 |
| Return on assets (ROA) | 1.5967% | 752 |
| Pretax return on assets | 1.6793% | 1,052 |
| Return on Equity (ROE) | 11.6453% | 1,520 |
| Retained earnings to average equity (ytd only) | -5.0865% | 6,311 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3581% | 7,873 |
| Assets per employee ($millions) | 4.3756% | 2,977 |
| Cash dividends to net income (ytd only)* | 143.6782% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0158% | 6,107 |
| Loan loss allowance to noncurrent loans | 7,500.0000% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 7,645 |
| Noncurrent loans to loans | 0.0135% | 7,523 |
| Net loans and leases to total assets | 33.4034% | 7,795 |
| Net loans and leases to deposits | 41.2067% | 7,783 |
| Net loans and leases to core deposits | 45.6123% | 7,843 |
| Total domestic deposits to total assets | 81.0632% | 5,062 |
| Equity capital to assets | 13.7901% | 1,388 |
| Core capital (leverage) ratio | 12.0901% | 1,796 |
| Tier 1 risk-based capital ratio | 27.9612% | 720 |
| Total risk-based capital ratio | 28.7522% | 726 |
| Memoranda: | ||
| Average total assets | $21,795,000 | 7,883 |
| Average earning assets | $19,552,670 | 7,873 |
| Average equity | $2,988,330 | 7,732 |
| Average total loans | $7,903,330 | 7,947 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5387% | 4,702 |
| Cost of funding earning assets | 1.9078% | 4,590 |
| Net interest margin | 3.6310% | 4,184 |
| Noninterest income to average assets | 0.1287% | 7,369 |
| Noninterest expense to average assets | 1.5446% | 7,950 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.7441% | 590 |
| Return on assets (ROA) | 1.3423% | 1,374 |
| Pretax return on assets | 1.4159% | 1,920 |
| Return on Equity (ROE) | 9.8184% | 2,389 |
| Retained earnings to average equity (ytd only) | -23.8063% | 7,739 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6522% | 7,859 |
| Assets per employee ($millions) | 4.4166% | 2,852 |
| Cash dividends to net income (ytd only)* | 342.4658% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9159% | 6,672 |
| 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 | 36.7432% | 7,705 |
| Net loans and leases to deposits | 44.9330% | 7,691 |
| Net loans and leases to core deposits | 49.6391% | 7,802 |
| Total domestic deposits to total assets | 81.7733% | 4,644 |
| Equity capital to assets | 13.1594% | 1,674 |
| Core capital (leverage) ratio | 11.7813% | 2,010 |
| Tier 1 risk-based capital ratio | 25.2649% | 959 |
| Total risk-based capital ratio | 26.0077% | 979 |
| Memoranda: | ||
| Average total assets | $21,753,500 | 7,932 |
| Average earning assets | $19,499,000 | 7,920 |
| Average equity | $2,974,000 | 7,792 |
| Average total loans | $8,163,500 | 7,988 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6375% | 6,970 |
| Cost of funding earning assets | 2.4901% | 4,257 |
| Net interest margin | 3.1473% | 6,530 |
| Noninterest income to average assets | 0.1994% | 7,024 |
| Noninterest expense to average assets | 1.5526% | 8,009 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.4814% | 1,061 |
| Return on assets (ROA) | 1.4814% | 1,019 |
| Pretax return on assets | 1.5574% | 1,519 |
| Return on Equity (ROE) | 10.6412% | 2,032 |
| Retained earnings to average equity (ytd only) | 7.2306% | 1,078 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9237% | 7,668 |
| Assets per employee ($millions) | 4.2848% | 2,981 |
| Cash dividends to net income (ytd only)* | 32.0513% | 4,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9216% | 6,555 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 37.6354% | 7,769 |
| Net loans and leases to deposits | 46.2301% | 7,775 |
| Net loans and leases to core deposits | 51.5702% | 7,851 |
| Total domestic deposits to total assets | 81.4087% | 4,457 |
| Equity capital to assets | 14.1990% | 1,375 |
| Core capital (leverage) ratio | 12.8390% | 1,601 |
| Tier 1 risk-based capital ratio | 27.5066% | 793 |
| Total risk-based capital ratio | 28.2631% | 808 |
| Memoranda: | ||
| Average total assets | $21,061,400 | 7,984 |
| Average earning assets | $19,476,800 | 7,958 |
| Average equity | $2,932,000 | 7,857 |
| Average total loans | $8,149,800 | 8,029 |