Home > Middletown State Bank > Performance and Condition Ratios
Middletown 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 | 4.4661% | 3,151 |
| Cost of funding earning assets | 0.9001% | 3,520 |
| Net interest margin | 3.5660% | 2,029 |
| Noninterest income to average assets | 0.1000% | 4,288 |
| Noninterest expense to average assets | 1.4623% | 4,354 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 2.0506% | 436 |
| Return on assets (ROA) | 2.0506% | 420 |
| Pretax return on assets | 2.0506% | 621 |
| Return on Equity (ROE) | 23.0700% | 399 |
| Retained earnings to average equity (ytd only) | 2.7645% | 3,353 |
| Net charge-offs to loans | 0.0657% | 1,193 |
| Credit loss provision to net charge-offs | 71.4286% | 2,076 |
| Earnings coverage of net charge-offs (x) | 42.0476% | 1,418 |
| Efficiency ratio | 41.2117% | 4,335 |
| Assets per employee ($millions) | 5.9366% | 2,872 |
| Cash dividends to net income (ytd only)* | 88.0184% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5918% | 4,257 |
| 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 | 73.9700% | 1,367 |
| Net loans and leases to deposits | 84.4993% | 1,736 |
| Net loans and leases to core deposits | 95.2145% | 1,699 |
| Total domestic deposits to total assets | 87.5400% | 1,504 |
| Equity capital to assets | 9.2069% | 2,535 |
| Core capital (leverage) ratio | 9.0206% | 3,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $42,329,600 | 4,375 |
| Average earning assets | $40,885,600 | 4,338 |
| Average equity | $3,762,000 | 4,370 |
| Average total loans | $31,955,600 | 4,115 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3409% | 3,210 |
| Cost of funding earning assets | 0.7884% | 3,558 |
| Net interest margin | 3.5526% | 2,104 |
| Noninterest income to average assets | 0.1000% | 4,299 |
| Noninterest expense to average assets | 1.4016% | 4,397 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 2.0820% | 445 |
| Return on assets (ROA) | 2.0820% | 438 |
| Pretax return on assets | 2.0820% | 679 |
| Return on Equity (ROE) | 23.6300% | 455 |
| Retained earnings to average equity (ytd only) | 1.3881% | 3,867 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 39.6980% | 4,367 |
| Assets per employee ($millions) | 6.1994% | 2,566 |
| Cash dividends to net income (ytd only)* | 94.1265% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6366% | 4,222 |
| Loan loss allowance to noncurrent loans | 126.7081% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 0.3710% | 1,550 |
| Noncurrent loans to loans | 0.5024% | 1,560 |
| Net loans and leases to total assets | 73.3700% | 1,424 |
| Net loans and leases to deposits | 83.1162% | 1,817 |
| Net loans and leases to core deposits | 93.0262% | 1,733 |
| Total domestic deposits to total assets | 88.2800% | 1,483 |
| Equity capital to assets | 8.6667% | 2,617 |
| Core capital (leverage) ratio | 8.7831% | 3,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $42,523,000 | 4,389 |
| Average earning assets | $41,096,000 | 4,356 |
| Average equity | $3,746,000 | 4,387 |
| Average total loans | $32,213,750 | 4,123 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2360% | 3,216 |
| Cost of funding earning assets | 0.6815% | 3,537 |
| Net interest margin | 3.5545% | 2,142 |
| Noninterest income to average assets | 0.1000% | 4,323 |
| Noninterest expense to average assets | 1.3923% | 4,420 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.1406% | 380 |
| Return on assets (ROA) | 2.1406% | 374 |
| Pretax return on assets | 2.1406% | 584 |
| Return on Equity (ROE) | 24.1600% | 416 |
| Retained earnings to average equity (ytd only) | 3.8492% | 3,241 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 39.4102% | 4,409 |
| Assets per employee ($millions) | 6.2024% | 2,540 |
| Cash dividends to net income (ytd only)* | 84.0708% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5967% | 4,304 |
| Loan loss allowance to noncurrent loans | 117.3913% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 0.3708% | 1,437 |
| Noncurrent loans to loans | 0.5083% | 1,443 |
| Net loans and leases to total assets | 72.5100% | 1,464 |
| Net loans and leases to deposits | 82.1474% | 1,815 |
| Net loans and leases to core deposits | 92.6216% | 1,647 |
| Total domestic deposits to total assets | 88.2700% | 1,505 |
| Equity capital to assets | 8.7385% | 2,700 |
| Core capital (leverage) ratio | 9.0514% | 3,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $42,232,000 | 4,414 |
| Average earning assets | $40,793,333 | 4,383 |
| Average equity | $3,741,000 | 4,412 |
| Average total loans | $32,270,000 | 4,134 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2767% | 2,856 |
| Cost of funding earning assets | 0.5782% | 3,450 |
| Net interest margin | 3.6985% | 1,902 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 1.3737% | 4,488 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.3055% | 315 |
| Return on assets (ROA) | 2.3055% | 315 |
| Pretax return on assets | 2.3055% | 479 |
| Return on Equity (ROE) | 25.8400% | 371 |
| Retained earnings to average equity (ytd only) | -1.6153% | 4,188 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 37.3368% | 4,503 |
| Assets per employee ($millions) | 6.0957% | 2,682 |
| Cash dividends to net income (ytd only)* | 106.2500% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6021% | 4,354 |
| Loan loss allowance to noncurrent loans | 115.2439% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 0.3843% | 1,342 |
| Noncurrent loans to loans | 0.5225% | 1,416 |
| Net loans and leases to total assets | 73.1200% | 1,308 |
| Net loans and leases to deposits | 83.3975% | 1,543 |
| Net loans and leases to core deposits | 93.5811% | 1,418 |
| Total domestic deposits to total assets | 87.6700% | 2,035 |
| Equity capital to assets | 8.6876% | 2,750 |
| Core capital (leverage) ratio | 8.4524% | 4,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8846% | 2,006 |
| Memoranda: | ||
| Average total assets | $41,639,500 | 4,488 |
| Average earning assets | $40,124,500 | 4,456 |
| Average equity | $3,714,500 | 4,481 |
| Average total loans | $32,569,000 | 4,190 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6850% | 2,566 |
| Cost of funding earning assets | 0.3207% | 2,721 |
| Net interest margin | 3.3643% | 2,368 |
| Noninterest income to average assets | 0.1100% | 4,393 |
| Noninterest expense to average assets | 1.3646% | 4,530 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.9853% | 306 |
| Return on assets (ROA) | 1.9853% | 292 |
| Pretax return on assets | 1.9853% | 490 |
| Return on Equity (ROE) | 22.4000% | 313 |
| Retained earnings to average equity (ytd only) | 1.5536% | 4,087 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 40.7354% | 4,523 |
| Assets per employee ($millions) | 5.8013% | 2,947 |
| Cash dividends to net income (ytd only)* | 93.0657% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5600% | 4,385 |
| 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 | 82.6400% | 358 |
| Net loans and leases to deposits | 94.9499% | 715 |
| Net loans and leases to core deposits | 101.0691% | 945 |
| Total domestic deposits to total assets | 87.0400% | 2,383 |
| Equity capital to assets | 9.1655% | 2,250 |
| Core capital (leverage) ratio | 8.9711% | 3,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $41,403,400 | 4,515 |
| Average earning assets | $39,918,600 | 4,478 |
| Average equity | $3,669,000 | 4,554 |
| Average total loans | $33,149,200 | 4,185 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5519% | 2,459 |
| Cost of funding earning assets | 0.2791% | 2,390 |
| Net interest margin | 3.2728% | 2,382 |
| Noninterest income to average assets | 0.1200% | 4,379 |
| Noninterest expense to average assets | 1.3364% | 4,556 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.9422% | 318 |
| Return on assets (ROA) | 1.9422% | 315 |
| Pretax return on assets | 1.9422% | 529 |
| Return on Equity (ROE) | 22.1000% | 286 |
| Retained earnings to average equity (ytd only) | -0.6565% | 4,401 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 40.7625% | 4,556 |
| Assets per employee ($millions) | 6.0693% | 2,702 |
| Cash dividends to net income (ytd only)* | 102.9703% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5527% | 4,427 |
| Loan loss allowance to noncurrent loans | 3,780.0000% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.0118% | 3,859 |
| Noncurrent loans to loans | 0.0146% | 3,824 |
| Net loans and leases to total assets | 80.0500% | 526 |
| Net loans and leases to deposits | 91.1669% | 816 |
| Net loans and leases to core deposits | 96.7043% | 967 |
| Total domestic deposits to total assets | 87.8000% | 2,483 |
| Equity capital to assets | 8.5842% | 2,489 |
| Core capital (leverage) ratio | 8.5121% | 4,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $41,602,000 | 4,545 |
| Average earning assets | $40,127,250 | 4,510 |
| Average equity | $3,655,750 | 4,601 |
| Average total loans | $32,999,000 | 4,214 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4404% | 2,324 |
| Cost of funding earning assets | 0.2411% | 2,383 |
| Net interest margin | 3.1993% | 2,190 |
| Noninterest income to average assets | 0.1307% | 4,351 |
| Noninterest expense to average assets | 1.2782% | 4,600 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.9367% | 255 |
| Return on assets (ROA) | 1.9367% | 253 |
| Pretax return on assets | 1.9367% | 435 |
| Return on Equity (ROE) | 21.8659% | 200 |
| Retained earnings to average equity (ytd only) | 1.6946% | 3,827 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.7590% | 4,617 |
| Assets per employee ($millions) | 5.7690% | 2,958 |
| Cash dividends to net income (ytd only)* | 92.2500% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5842% | 4,477 |
| Loan loss allowance to noncurrent loans | 3,780.0000% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.0693% | 3,280 |
| Noncurrent loans to loans | 0.0155% | 3,849 |
| Net loans and leases to total assets | 79.6424% | 433 |
| Net loans and leases to deposits | 91.4785% | 634 |
| Net loans and leases to core deposits | 98.8931% | 719 |
| Total domestic deposits to total assets | 87.0614% | 2,916 |
| Equity capital to assets | 9.1524% | 2,279 |
| Core capital (leverage) ratio | 9.0833% | 3,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,307,667 | 4,595 |
| Average earning assets | $39,821,333 | 4,568 |
| Average equity | $3,658,667 | 4,640 |
| Average total loans | $32,599,667 | 4,271 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3049% | 2,375 |
| Cost of funding earning assets | 0.2283% | 2,424 |
| Net interest margin | 3.0767% | 2,246 |
| Noninterest income to average assets | 0.1245% | 4,383 |
| Noninterest expense to average assets | 1.2832% | 4,628 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.8099% | 324 |
| Return on assets (ROA) | 1.8099% | 326 |
| Pretax return on assets | 1.8099% | 538 |
| Return on Equity (ROE) | 20.7692% | 207 |
| Retained earnings to average equity (ytd only) | -5.4945% | 4,434 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4861% | 4,614 |
| Assets per employee ($millions) | 5.8759% | 2,920 |
| Cash dividends to net income (ytd only)* | 126.4550% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5927% | 4,513 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0559% | 3,485 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 77.0733% | 444 |
| Net loans and leases to deposits | 87.4969% | 649 |
| Net loans and leases to core deposits | 94.3538% | 717 |
| Total domestic deposits to total assets | 88.0868% | 2,485 |
| Equity capital to assets | 8.7890% | 2,888 |
| Core capital (leverage) ratio | 8.3760% | 3,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,770,000 | 4,618 |
| Average earning assets | $40,303,500 | 4,589 |
| Average equity | $3,640,000 | 4,677 |
| Average total loans | $32,724,000 | 4,281 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4664% | 2,760 |
| Cost of funding earning assets | 0.3154% | 2,249 |
| Net interest margin | 3.1510% | 2,736 |
| Noninterest income to average assets | 0.1389% | 4,455 |
| Noninterest expense to average assets | 1.2310% | 4,701 |
| Loan and lease loss provision to assets | 0.0366% | 2,309 |
| Net operating income to assets | 1.9160% | 398 |
| Return on assets (ROA) | 1.9160% | 420 |
| Pretax return on assets | 1.9160% | 703 |
| Return on Equity (ROE) | 21.7982% | 227 |
| Retained earnings to average equity (ytd only) | 2.2464% | 3,907 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.6677% | 4,708 |
| Assets per employee ($millions) | 6.0584% | 2,709 |
| Cash dividends to net income (ytd only)* | 89.6947% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5632% | 4,569 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0542% | 3,604 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 78.6838% | 342 |
| Net loans and leases to deposits | 91.5197% | 501 |
| Net loans and leases to core deposits | 100.0060% | 537 |
| Total domestic deposits to total assets | 85.9747% | 2,921 |
| Equity capital to assets | 8.6420% | 3,946 |
| Core capital (leverage) ratio | 8.6421% | 3,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,023,000 | 4,652 |
| Average earning assets | $39,637,800 | 4,622 |
| Average equity | $3,605,800 | 4,733 |
| Average total loans | $31,415,400 | 4,352 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4083% | 3,078 |
| Cost of funding earning assets | 0.3391% | 2,209 |
| Net interest margin | 3.0692% | 3,131 |
| Noninterest income to average assets | 0.1803% | 4,296 |
| Noninterest expense to average assets | 1.1964% | 4,789 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.9503% | 502 |
| Return on assets (ROA) | 1.9503% | 530 |
| Pretax return on assets | 1.9503% | 864 |
| Return on Equity (ROE) | 22.0917% | 298 |
| Retained earnings to average equity (ytd only) | 0.3713% | 4,510 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.0208% | 4,766 |
| Assets per employee ($millions) | 6.0081% | 2,688 |
| Cash dividends to net income (ytd only)* | 98.3193% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5448% | 4,676 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0547% | 3,766 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 75.5213% | 581 |
| Net loans and leases to deposits | 87.7864% | 731 |
| Net loans and leases to core deposits | 95.9809% | 745 |
| Total domestic deposits to total assets | 86.0285% | 2,738 |
| Equity capital to assets | 8.5479% | 4,179 |
| Core capital (leverage) ratio | 8.6406% | 3,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,676,500 | 4,722 |
| Average earning assets | $39,314,250 | 4,692 |
| Average equity | $3,591,000 | 4,804 |
| Average total loans | $30,879,750 | 4,421 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4456% | 3,037 |
| Cost of funding earning assets | 0.3651% | 2,180 |
| Net interest margin | 3.0804% | 3,087 |
| Noninterest income to average assets | 0.1442% | 4,477 |
| Noninterest expense to average assets | 1.1587% | 4,836 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.9644% | 518 |
| Return on assets (ROA) | 1.9644% | 542 |
| Pretax return on assets | 1.9644% | 894 |
| Return on Equity (ROE) | 22.0076% | 316 |
| Retained earnings to average equity (ytd only) | 2.8415% | 3,890 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.1019% | 4,814 |
| Assets per employee ($millions) | 5.6771% | 2,934 |
| Cash dividends to net income (ytd only)* | 87.0886% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5655% | 4,689 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1208% | 3,427 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 76.9879% | 510 |
| Net loans and leases to deposits | 90.4375% | 625 |
| Net loans and leases to core deposits | 99.5218% | 676 |
| Total domestic deposits to total assets | 85.1283% | 3,044 |
| Equity capital to assets | 9.1470% | 3,659 |
| Core capital (leverage) ratio | 8.9826% | 3,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,216,333 | 4,758 |
| Average earning assets | $38,890,667 | 4,726 |
| Average equity | $3,589,667 | 4,839 |
| Average total loans | $30,527,667 | 4,457 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3754% | 3,270 |
| Cost of funding earning assets | 0.3977% | 2,115 |
| Net interest margin | 2.9777% | 3,317 |
| Noninterest income to average assets | 0.1187% | 4,595 |
| Noninterest expense to average assets | 1.1272% | 4,878 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.8787% | 689 |
| Return on assets (ROA) | 1.8787% | 739 |
| Pretax return on assets | 1.8787% | 1,148 |
| Return on Equity (ROE) | 21.3064% | 446 |
| Retained earnings to average equity (ytd only) | -3.8127% | 4,639 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.5000% | 4,818 |
| Assets per employee ($millions) | 5.8076% | 2,789 |
| Cash dividends to net income (ytd only)* | 117.8947% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5668% | 4,720 |
| Loan loss allowance to noncurrent loans | 236.9863% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.2976% | 2,659 |
| Noncurrent loans to loans | 0.2392% | 3,246 |
| Net loans and leases to total assets | 74.6587% | 755 |
| Net loans and leases to deposits | 87.8161% | 841 |
| Net loans and leases to core deposits | 96.3677% | 868 |
| Total domestic deposits to total assets | 85.0171% | 3,084 |
| Equity capital to assets | 8.7300% | 3,928 |
| Core capital (leverage) ratio | 8.5286% | 4,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,454,500 | 4,781 |
| Average earning assets | $39,224,500 | 4,740 |
| Average equity | $3,567,000 | 4,863 |
| Average total loans | $30,407,000 | 4,486 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5833% | 3,846 |
| Cost of funding earning assets | 0.6236% | 2,161 |
| Net interest margin | 2.9597% | 3,987 |
| Noninterest income to average assets | 0.1216% | 4,664 |
| Noninterest expense to average assets | 1.2435% | 4,887 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.7627% | 420 |
| Return on assets (ROA) | 1.7627% | 455 |
| Pretax return on assets | 1.7627% | 741 |
| Return on Equity (ROE) | 19.5177% | 253 |
| Retained earnings to average equity (ytd only) | -0.0841% | 4,528 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3648% | 4,847 |
| Assets per employee ($millions) | 5.7509% | 2,582 |
| Cash dividends to net income (ytd only)* | 100.4310% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5711% | 4,739 |
| Loan loss allowance to noncurrent loans | 182.1053% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 0.2956% | 2,814 |
| Noncurrent loans to loans | 0.3136% | 3,076 |
| Net loans and leases to total assets | 74.8137% | 925 |
| Net loans and leases to deposits | 88.2213% | 1,068 |
| Net loans and leases to core deposits | 97.3023% | 1,045 |
| Total domestic deposits to total assets | 84.8023% | 2,840 |
| Equity capital to assets | 8.9055% | 4,140 |
| Core capital (leverage) ratio | 8.8194% | 3,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,484,200 | 4,777 |
| Average earning assets | $38,483,600 | 4,734 |
| Average equity | $3,566,000 | 4,875 |
| Average total loans | $28,546,800 | 4,541 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5661% | 4,091 |
| Cost of funding earning assets | 0.6652% | 2,228 |
| Net interest margin | 2.9009% | 4,183 |
| Noninterest income to average assets | 0.1357% | 4,616 |
| Noninterest expense to average assets | 1.2386% | 4,928 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.7238% | 549 |
| Return on assets (ROA) | 1.7238% | 608 |
| Pretax return on assets | 1.7238% | 918 |
| Return on Equity (ROE) | 19.0191% | 296 |
| Retained earnings to average equity (ytd only) | -1.7596% | 4,685 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.8099% | 4,855 |
| Assets per employee ($millions) | 5.8339% | 2,413 |
| Cash dividends to net income (ytd only)* | 109.2520% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5939% | 4,735 |
| Loan loss allowance to noncurrent loans | 198.8506% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.2767% | 3,058 |
| Noncurrent loans to loans | 0.2987% | 3,205 |
| Net loans and leases to total assets | 70.9038% | 1,830 |
| Net loans and leases to deposits | 83.3070% | 1,980 |
| Net loans and leases to core deposits | 91.6762% | 1,823 |
| Total domestic deposits to total assets | 85.1115% | 2,390 |
| Equity capital to assets | 8.6686% | 4,357 |
| Core capital (leverage) ratio | 8.7557% | 4,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,291,250 | 4,805 |
| Average earning assets | $38,286,000 | 4,763 |
| Average equity | $3,561,250 | 4,900 |
| Average total loans | $28,111,000 | 4,577 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6472% | 4,176 |
| Cost of funding earning assets | 0.7040% | 2,357 |
| Net interest margin | 2.9432% | 4,234 |
| Noninterest income to average assets | 0.1289% | 4,657 |
| Noninterest expense to average assets | 1.2018% | 4,975 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.7949% | 507 |
| Return on assets (ROA) | 1.7949% | 557 |
| Pretax return on assets | 1.7949% | 824 |
| Return on Equity (ROE) | 19.5049% | 269 |
| Retained earnings to average equity (ytd only) | 0.1681% | 4,282 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.1033% | 4,915 |
| Assets per employee ($millions) | 6.6708% | 1,660 |
| Cash dividends to net income (ytd only)* | 99.1379% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6278% | 4,704 |
| Loan loss allowance to noncurrent loans | 262.1212% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.2324% | 3,396 |
| Noncurrent loans to loans | 0.2395% | 3,521 |
| Net loans and leases to total assets | 68.4197% | 2,280 |
| Net loans and leases to deposits | 80.7817% | 2,342 |
| Net loans and leases to core deposits | 89.1207% | 2,149 |
| Total domestic deposits to total assets | 84.6971% | 2,506 |
| Equity capital to assets | 8.9694% | 4,118 |
| Core capital (leverage) ratio | 9.2155% | 3,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $38,776,000 | 4,837 |
| Average earning assets | $37,782,000 | 4,792 |
| Average equity | $3,568,333 | 4,930 |
| Average total loans | $27,772,000 | 4,602 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8775% | 4,082 |
| Cost of funding earning assets | 0.7863% | 2,471 |
| Net interest margin | 3.0912% | 4,115 |
| Noninterest income to average assets | 0.1048% | 4,805 |
| Noninterest expense to average assets | 1.2791% | 5,009 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.8348% | 381 |
| Return on assets (ROA) | 1.8348% | 426 |
| Pretax return on assets | 1.8348% | 650 |
| Return on Equity (ROE) | 19.6767% | 176 |
| Retained earnings to average equity (ytd only) | -6.6339% | 4,621 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0774% | 4,965 |
| Assets per employee ($millions) | 5.5001% | 2,120 |
| Cash dividends to net income (ytd only)* | 133.7143% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6399% | 4,704 |
| Loan loss allowance to noncurrent loans | 163.2075% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.3454% | 3,056 |
| Noncurrent loans to loans | 0.3921% | 3,079 |
| Net loans and leases to total assets | 69.7696% | 2,284 |
| Net loans and leases to deposits | 79.1805% | 2,759 |
| Net loans and leases to core deposits | 87.3107% | 2,576 |
| Total domestic deposits to total assets | 88.1146% | 1,061 |
| Equity capital to assets | 9.1634% | 4,496 |
| Core capital (leverage) ratio | 9.0832% | 4,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $38,151,500 | 4,878 |
| Average earning assets | $37,137,500 | 4,828 |
| Average equity | $3,557,500 | 4,976 |
| Average total loans | $27,879,000 | 4,636 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1258% | 3,991 |
| Cost of funding earning assets | 0.8529% | 2,416 |
| Net interest margin | 3.2730% | 4,042 |
| Noninterest income to average assets | 0.0945% | 4,942 |
| Noninterest expense to average assets | 1.2630% | 5,079 |
| Loan and lease loss provision to assets | 0.0486% | 3,054 |
| Net operating income to assets | 1.9727% | 381 |
| Return on assets (ROA) | 1.9727% | 394 |
| Pretax return on assets | 1.9727% | 634 |
| Return on Equity (ROE) | 20.5533% | 185 |
| Retained earnings to average equity (ytd only) | 0.7310% | 4,483 |
| Net charge-offs to loans | 0.0275% | 2,844 |
| Credit loss provision to net charge-offs | 225.0000% | 1,187 |
| Earnings coverage of net charge-offs (x) | 93.6250% | 713 |
| Efficiency ratio | 38.4552% | 5,086 |
| Assets per employee ($millions) | 5.4003% | 2,148 |
| Cash dividends to net income (ytd only)* | 96.4432% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6023% | 4,738 |
| Loan loss allowance to noncurrent loans | 116.8919% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 0.4576% | 2,576 |
| Noncurrent loans to loans | 0.5153% | 2,637 |
| Net loans and leases to total assets | 75.5251% | 1,500 |
| Net loans and leases to deposits | 86.0484% | 2,080 |
| Net loans and leases to core deposits | 95.8987% | 1,911 |
| Total domestic deposits to total assets | 87.7705% | 1,241 |
| Equity capital to assets | 9.4889% | 4,361 |
| Core capital (leverage) ratio | 9.5374% | 4,019 |
| Tier 1 risk-based capital ratio | 14.1348% | 3,198 |
| Total risk-based capital ratio | 14.8166% | 3,388 |
| Memoranda: | ||
| Average total assets | $37,055,400 | 4,940 |
| Average earning assets | $36,114,200 | 4,892 |
| Average equity | $3,556,600 | 5,030 |
| Average total loans | $29,115,000 | 4,658 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1213% | 4,107 |
| Cost of funding earning assets | 0.8680% | 2,373 |
| Net interest margin | 3.2533% | 4,175 |
| Noninterest income to average assets | 0.0904% | 5,017 |
| Noninterest expense to average assets | 1.2802% | 5,154 |
| Loan and lease loss provision to assets | 0.0651% | 2,592 |
| Net operating income to assets | 1.9167% | 473 |
| Return on assets (ROA) | 1.9167% | 494 |
| Pretax return on assets | 1.9167% | 832 |
| Return on Equity (ROE) | 19.9112% | 251 |
| Retained earnings to average equity (ytd only) | -1.1271% | 4,871 |
| Net charge-offs to loans | 0.0365% | 2,356 |
| Credit loss provision to net charge-offs | 225.0000% | 1,193 |
| Earnings coverage of net charge-offs (x) | 68.4770% | 974 |
| Efficiency ratio | 39.2461% | 5,143 |
| Assets per employee ($millions) | 5.3474% | 2,176 |
| Cash dividends to net income (ytd only)* | 105.6605% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5846% | 4,850 |
| Loan loss allowance to noncurrent loans | 254.4118% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.2458% | 3,586 |
| Noncurrent loans to loans | 0.2298% | 3,721 |
| Net loans and leases to total assets | 78.6012% | 1,047 |
| Net loans and leases to deposits | 89.5483% | 1,754 |
| Net loans and leases to core deposits | 99.8642% | 1,665 |
| Total domestic deposits to total assets | 87.7752% | 1,137 |
| Equity capital to assets | 9.4358% | 4,504 |
| Core capital (leverage) ratio | 9.4844% | 4,180 |
| Tier 1 risk-based capital ratio | 9.5459% | 5,231 |
| Total risk-based capital ratio | 10.0135% | 5,241 |
| Memoranda: | ||
| Average total assets | $36,868,750 | 5,015 |
| Average earning assets | $35,942,250 | 4,970 |
| Average equity | $3,549,000 | 5,104 |
| Average total loans | $29,213,000 | 4,724 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0532% | 4,271 |
| Cost of funding earning assets | 0.8498% | 2,396 |
| Net interest margin | 3.2034% | 4,366 |
| Noninterest income to average assets | 0.1036% | 5,021 |
| Noninterest expense to average assets | 1.2595% | 5,213 |
| Loan and lease loss provision to assets | 0.0981% | 1,902 |
| Net operating income to assets | 1.8702% | 517 |
| Return on assets (ROA) | 1.8702% | 541 |
| Pretax return on assets | 1.8702% | 892 |
| Return on Equity (ROE) | 19.2986% | 296 |
| Retained earnings to average equity (ytd only) | 1.0128% | 4,431 |
| Net charge-offs to loans | 0.0344% | 2,175 |
| Credit loss provision to net charge-offs | 360.0000% | 787 |
| Earnings coverage of net charge-offs (x) | 72.2000% | 875 |
| Efficiency ratio | 39.0203% | 5,181 |
| Assets per employee ($millions) | 5.1810% | 2,274 |
| Cash dividends to net income (ytd only)* | 94.7522% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6051% | 4,867 |
| Loan loss allowance to noncurrent loans | 409.3023% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.1710% | 3,912 |
| Noncurrent loans to loans | 0.1478% | 4,021 |
| Net loans and leases to total assets | 79.7171% | 928 |
| Net loans and leases to deposits | 91.3662% | 1,575 |
| Net loans and leases to core deposits | 102.3398% | 1,526 |
| Total domestic deposits to total assets | 87.2501% | 1,463 |
| Equity capital to assets | 9.8712% | 4,083 |
| Core capital (leverage) ratio | 9.9583% | 3,631 |
| Tier 1 risk-based capital ratio | 14.9397% | 2,874 |
| Total risk-based capital ratio | 15.6742% | 3,019 |
| Memoranda: | ||
| Average total assets | $36,681,000 | 5,058 |
| Average earning assets | $35,774,330 | 5,011 |
| Average equity | $3,554,670 | 5,145 |
| Average total loans | $29,085,670 | 4,760 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0030% | 4,358 |
| Cost of funding earning assets | 0.8673% | 2,172 |
| Net interest margin | 3.1357% | 4,520 |
| Noninterest income to average assets | 0.1193% | 5,018 |
| Noninterest expense to average assets | 1.3121% | 5,254 |
| Loan and lease loss provision to assets | 0.0325% | 2,977 |
| Net operating income to assets | 1.8326% | 531 |
| Return on assets (ROA) | 1.8326% | 545 |
| Pretax return on assets | 1.8326% | 907 |
| Return on Equity (ROE) | 19.0853% | 325 |
| Retained earnings to average equity (ytd only) | -4.6302% | 4,908 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2969% | 5,182 |
| Assets per employee ($millions) | 5.0744% | 2,430 |
| Cash dividends to net income (ytd only)* | 124.2604% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5832% | 4,965 |
| Loan loss allowance to noncurrent loans | 313.2075% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.1492% | 4,055 |
| Noncurrent loans to loans | 0.1862% | 3,920 |
| Net loans and leases to total assets | 79.6599% | 881 |
| Net loans and leases to deposits | 91.4308% | 1,465 |
| Net loans and leases to core deposits | 100.8087% | 1,546 |
| Total domestic deposits to total assets | 87.1259% | 1,743 |
| Equity capital to assets | 9.9124% | 3,907 |
| Core capital (leverage) ratio | 9.5737% | 4,052 |
| Tier 1 risk-based capital ratio | 13.8225% | 3,439 |
| Total risk-based capital ratio | 15.1258% | 3,320 |
| Memoranda: | ||
| Average total assets | $36,888,000 | 5,110 |
| Average earning assets | $35,973,000 | 5,059 |
| Average equity | $3,542,000 | 5,198 |
| Average total loans | $29,085,000 | 4,811 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9071% | 4,261 |
| Cost of funding earning assets | 0.7152% | 1,994 |
| Net interest margin | 3.1919% | 4,503 |
| Noninterest income to average assets | 0.0972% | 5,160 |
| Noninterest expense to average assets | 1.2583% | 5,311 |
| Loan and lease loss provision to assets | 0.0432% | 3,318 |
| Net operating income to assets | 1.8929% | 454 |
| Return on assets (ROA) | 1.8929% | 451 |
| Pretax return on assets | 1.8929% | 732 |
| Return on Equity (ROE) | 19.8112% | 259 |
| Retained earnings to average equity (ytd only) | 0.4522% | 4,862 |
| Net charge-offs to loans | 0.0035% | 3,609 |
| Credit loss provision to net charge-offs | 1,600.0000% | 266 |
| Earnings coverage of net charge-offs (x) | 717.0000% | 156 |
| Efficiency ratio | 39.3914% | 5,289 |
| Assets per employee ($millions) | 5.4650% | 1,991 |
| Cash dividends to net income (ytd only)* | 97.7175% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5487% | 5,062 |
| 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 | 77.2317% | 1,402 |
| Net loans and leases to deposits | 90.6177% | 1,718 |
| Net loans and leases to core deposits | 93.6569% | 2,256 |
| Total domestic deposits to total assets | 85.2281% | 2,544 |
| Equity capital to assets | 9.3138% | 4,307 |
| Core capital (leverage) ratio | 9.4752% | 4,143 |
| Tier 1 risk-based capital ratio | 13.1897% | 3,730 |
| Total risk-based capital ratio | 14.3968% | 3,645 |
| Memoranda: | ||
| Average total assets | $37,033,200 | 5,143 |
| Average earning assets | $35,935,000 | 5,099 |
| Average equity | $3,538,400 | 5,233 |
| Average total loans | $28,616,000 | 4,854 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8453% | 4,330 |
| Cost of funding earning assets | 0.6665% | 2,055 |
| Net interest margin | 3.1788% | 4,554 |
| Noninterest income to average assets | 0.1162% | 5,151 |
| Noninterest expense to average assets | 1.2742% | 5,377 |
| Loan and lease loss provision to assets | 0.0327% | 3,366 |
| Net operating income to assets | 1.8913% | 495 |
| Return on assets (ROA) | 1.8913% | 497 |
| Pretax return on assets | 1.8913% | 831 |
| Return on Equity (ROE) | 19.6659% | 292 |
| Retained earnings to average equity (ytd only) | -1.4721% | 5,162 |
| Net charge-offs to loans | 0.0094% | 3,087 |
| Credit loss provision to net charge-offs | 450.0000% | 756 |
| Earnings coverage of net charge-offs (x) | 264.6629% | 354 |
| Efficiency ratio | 39.8411% | 5,339 |
| Assets per employee ($millions) | 5.2461% | 2,174 |
| Cash dividends to net income (ytd only)* | 107.4858% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5411% | 5,140 |
| 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 | 77.5863% | 1,401 |
| Net loans and leases to deposits | 91.5259% | 1,687 |
| Net loans and leases to core deposits | 94.7302% | 2,231 |
| Total domestic deposits to total assets | 84.7698% | 2,695 |
| Equity capital to assets | 9.5499% | 4,032 |
| Core capital (leverage) ratio | 9.6809% | 3,965 |
| Tier 1 risk-based capital ratio | 13.6981% | 3,515 |
| Total risk-based capital ratio | 14.9090% | 3,454 |
| Memoranda: | ||
| Average total assets | $36,727,750 | 5,212 |
| Average earning assets | $35,610,000 | 5,165 |
| Average equity | $3,532,250 | 5,302 |
| Average total loans | $28,343,000 | 4,912 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8625% | 4,183 |
| Cost of funding earning assets | 0.6447% | 1,962 |
| Net interest margin | 3.2178% | 4,464 |
| Noninterest income to average assets | 0.1089% | 5,238 |
| Noninterest expense to average assets | 1.2579% | 5,445 |
| Loan and lease loss provision to assets | 0.0490% | 2,936 |
| Net operating income to assets | 1.9276% | 436 |
| Return on assets (ROA) | 1.9276% | 435 |
| Pretax return on assets | 1.9276% | 721 |
| Return on Equity (ROE) | 19.9962% | 266 |
| Retained earnings to average equity (ytd only) | 1.6381% | 4,594 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.8889% | 5,418 |
| Assets per employee ($millions) | 5.1033% | 2,284 |
| Cash dividends to net income (ytd only)* | 91.8079% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5734% | 5,152 |
| Loan loss allowance to noncurrent loans | 7,850.0000% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 5,023 |
| Noncurrent loans to loans | 0.0073% | 4,923 |
| Net loans and leases to total assets | 76.2058% | 1,601 |
| Net loans and leases to deposits | 90.5471% | 1,774 |
| Net loans and leases to core deposits | 93.8304% | 2,230 |
| Total domestic deposits to total assets | 84.1615% | 3,003 |
| Equity capital to assets | 10.0076% | 3,608 |
| Core capital (leverage) ratio | 9.7825% | 3,807 |
| Tier 1 risk-based capital ratio | 14.4795% | 3,127 |
| Total risk-based capital ratio | 15.7513% | 3,032 |
| Memoranda: | ||
| Average total assets | $36,729,330 | 5,273 |
| Average earning assets | $35,676,000 | 5,224 |
| Average equity | $3,540,670 | 5,363 |
| Average total loans | $28,241,670 | 4,968 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8089% | 4,191 |
| Cost of funding earning assets | 0.6201% | 1,915 |
| Net interest margin | 3.1889% | 4,502 |
| Noninterest income to average assets | 0.0859% | 5,380 |
| Noninterest expense to average assets | 1.2570% | 5,510 |
| Loan and lease loss provision to assets | 0.0967% | 1,903 |
| Net operating income to assets | 1.8264% | 534 |
| Return on assets (ROA) | 1.8264% | 537 |
| Pretax return on assets | 1.8264% | 864 |
| Return on Equity (ROE) | 19.2990% | 297 |
| Retained earnings to average equity (ytd only) | -5.1086% | 5,211 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5270% | 5,468 |
| Assets per employee ($millions) | 5.2469% | 2,200 |
| Cash dividends to net income (ytd only)* | 126.4706% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5408% | 5,276 |
| 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 | 78.6130% | 1,142 |
| Net loans and leases to deposits | 92.7289% | 1,364 |
| Net loans and leases to core deposits | 94.3901% | 2,106 |
| Total domestic deposits to total assets | 84.7773% | 3,009 |
| Equity capital to assets | 9.5322% | 4,062 |
| Core capital (leverage) ratio | 9.2887% | 4,339 |
| Tier 1 risk-based capital ratio | 13.5561% | 3,628 |
| Total risk-based capital ratio | 14.1640% | 3,889 |
| Memoranda: | ||
| Average total assets | $37,232,500 | 5,324 |
| Average earning assets | $36,125,500 | 5,274 |
| Average equity | $3,523,500 | 5,420 |
| Average total loans | $28,672,500 | 4,999 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6566% | 4,434 |
| Cost of funding earning assets | 0.4992% | 2,338 |
| Net interest margin | 3.1574% | 4,553 |
| Noninterest income to average assets | 0.1249% | 5,319 |
| Noninterest expense to average assets | 1.3394% | 5,548 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.8362% | 385 |
| Return on assets (ROA) | 1.8362% | 392 |
| Pretax return on assets | 1.8362% | 720 |
| Return on Equity (ROE) | 18.0242% | 300 |
| Retained earnings to average equity (ytd only) | 0.7700% | 4,733 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1775% | 5,493 |
| Assets per employee ($millions) | 5.3910% | 2,061 |
| Cash dividends to net income (ytd only)* | 95.7278% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5227% | 5,363 |
| Loan loss allowance to noncurrent loans | 1,644.4444% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.0238% | 5,036 |
| Noncurrent loans to loans | 0.0318% | 4,866 |
| Net loans and leases to total assets | 74.6403% | 1,818 |
| Net loans and leases to deposits | 87.5812% | 2,068 |
| Net loans and leases to core deposits | 89.0966% | 2,646 |
| Total domestic deposits to total assets | 85.2241% | 2,746 |
| Equity capital to assets | 9.3966% | 4,332 |
| Core capital (leverage) ratio | 9.8371% | 3,653 |
| Tier 1 risk-based capital ratio | 13.6058% | 3,569 |
| Total risk-based capital ratio | 14.7419% | 3,544 |
| Memoranda: | ||
| Average total assets | $34,418,800 | 5,425 |
| Average earning assets | $33,255,000 | 5,380 |
| Average equity | $3,506,400 | 5,478 |
| Average total loans | $25,638,200 | 5,138 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6348% | 4,477 |
| Cost of funding earning assets | 0.4652% | 2,570 |
| Net interest margin | 3.1697% | 4,532 |
| Noninterest income to average assets | 0.1310% | 5,352 |
| Noninterest expense to average assets | 1.3695% | 5,586 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.8180% | 452 |
| Return on assets (ROA) | 1.8180% | 461 |
| Pretax return on assets | 1.8180% | 848 |
| Return on Equity (ROE) | 17.4646% | 378 |
| Retained earnings to average equity (ytd only) | -1.7924% | 5,414 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9639% | 5,513 |
| Assets per employee ($millions) | 4.9861% | 2,470 |
| Cash dividends to net income (ytd only)* | 110.2628% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5501% | 5,408 |
| 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 | 76.1425% | 1,570 |
| Net loans and leases to deposits | 90.4130% | 1,758 |
| Net loans and leases to core deposits | 92.1274% | 2,424 |
| Total domestic deposits to total assets | 84.2163% | 3,036 |
| Equity capital to assets | 9.9476% | 3,964 |
| Core capital (leverage) ratio | 10.0553% | 3,499 |
| Tier 1 risk-based capital ratio | 14.5687% | 3,145 |
| Total risk-based capital ratio | 15.8027% | 3,069 |
| Memoranda: | ||
| Average total assets | $33,589,250 | 5,502 |
| Average earning assets | $32,389,500 | 5,455 |
| Average equity | $3,496,500 | 5,545 |
| Average total loans | $24,969,000 | 5,212 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6173% | 4,470 |
| Cost of funding earning assets | 0.4208% | 2,882 |
| Net interest margin | 3.1966% | 4,430 |
| Noninterest income to average assets | 0.1207% | 5,448 |
| Noninterest expense to average assets | 1.3514% | 5,645 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.8400% | 420 |
| Return on assets (ROA) | 1.8400% | 434 |
| Pretax return on assets | 1.8400% | 766 |
| Return on Equity (ROE) | 17.4053% | 379 |
| Retained earnings to average equity (ytd only) | 0.5707% | 4,960 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3440% | 5,563 |
| Assets per employee ($millions) | 4.7883% | 2,669 |
| Cash dividends to net income (ytd only)* | 96.7213% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5987% | 5,382 |
| 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 | 72.8206% | 2,075 |
| Net loans and leases to deposits | 87.3399% | 2,061 |
| Net loans and leases to core deposits | 89.0835% | 2,606 |
| Total domestic deposits to total assets | 83.3761% | 3,440 |
| Equity capital to assets | 10.5287% | 3,303 |
| Core capital (leverage) ratio | 10.7355% | 2,671 |
| Tier 1 risk-based capital ratio | 15.3766% | 2,765 |
| Total risk-based capital ratio | 16.6579% | 2,684 |
| Memoranda: | ||
| Average total assets | $33,151,330 | 5,555 |
| Average earning assets | $31,846,670 | 5,509 |
| Average equity | $3,504,670 | 5,586 |
| Average total loans | $24,384,330 | 5,274 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6370% | 4,313 |
| Cost of funding earning assets | 0.4197% | 2,816 |
| Net interest margin | 3.2173% | 4,283 |
| Noninterest income to average assets | 0.0971% | 5,602 |
| Noninterest expense to average assets | 1.4438% | 5,666 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.7229% | 527 |
| Return on assets (ROA) | 1.7229% | 536 |
| Pretax return on assets | 1.7229% | 958 |
| Return on Equity (ROE) | 16.2634% | 493 |
| Retained earnings to average equity (ytd only) | -6.0702% | 5,448 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5939% | 5,545 |
| Assets per employee ($millions) | 4.6786% | 2,876 |
| Cash dividends to net income (ytd only)* | 137.3239% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6089% | 5,460 |
| Loan loss allowance to noncurrent loans | 588.0000% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.0763% | 4,971 |
| Noncurrent loans to loans | 0.1036% | 4,775 |
| Net loans and leases to total assets | 73.2611% | 1,861 |
| Net loans and leases to deposits | 85.6770% | 2,063 |
| Net loans and leases to core deposits | 87.3839% | 2,607 |
| Total domestic deposits to total assets | 85.5084% | 2,885 |
| Equity capital to assets | 10.5832% | 3,082 |
| Core capital (leverage) ratio | 10.4137% | 2,997 |
| Tier 1 risk-based capital ratio | 15.4333% | 2,779 |
| Total risk-based capital ratio | 16.7424% | 2,687 |
| Memoranda: | ||
| Average total assets | $32,968,000 | 5,621 |
| Average earning assets | $31,454,500 | 5,586 |
| Average equity | $3,492,500 | 5,646 |
| Average total loans | $24,299,000 | 5,325 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7040% | 4,196 |
| Cost of funding earning assets | 0.4084% | 2,922 |
| Net interest margin | 3.2956% | 4,158 |
| Noninterest income to average assets | 0.1141% | 5,604 |
| Noninterest expense to average assets | 1.3900% | 5,779 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.8733% | 391 |
| Return on assets (ROA) | 1.8733% | 403 |
| Pretax return on assets | 1.8733% | 660 |
| Return on Equity (ROE) | 17.8428% | 337 |
| Retained earnings to average equity (ytd only) | -0.0572% | 5,315 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5943% | 5,734 |
| Assets per employee ($millions) | 4.7409% | 2,732 |
| Cash dividends to net income (ytd only)* | 100.3205% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6010% | 5,526 |
| Loan loss allowance to noncurrent loans | 93.0380% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.8498% | 2,221 |
| Noncurrent loans to loans | 0.6460% | 2,916 |
| Net loans and leases to total assets | 73.2568% | 1,966 |
| Net loans and leases to deposits | 85.6323% | 2,228 |
| Net loans and leases to core deposits | 87.3114% | 2,747 |
| Total domestic deposits to total assets | 85.5481% | 2,811 |
| Equity capital to assets | 10.6039% | 3,035 |
| Core capital (leverage) ratio | 10.6429% | 2,726 |
| Tier 1 risk-based capital ratio | 15.6732% | 2,681 |
| Total risk-based capital ratio | 16.3281% | 2,865 |
| Memoranda: | ||
| Average total assets | $33,310,000 | 5,663 |
| Average earning assets | $31,830,600 | 5,631 |
| Average equity | $3,497,200 | 5,698 |
| Average total loans | $25,216,400 | 5,343 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7288% | 4,153 |
| Cost of funding earning assets | 0.4055% | 2,967 |
| Net interest margin | 3.3233% | 4,118 |
| Noninterest income to average assets | 0.1120% | 5,669 |
| Noninterest expense to average assets | 1.3877% | 5,824 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.9035% | 397 |
| Return on assets (ROA) | 1.9035% | 421 |
| Pretax return on assets | 1.9035% | 704 |
| Return on Equity (ROE) | 18.1757% | 346 |
| Retained earnings to average equity (ytd only) | -2.3292% | 5,616 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1628% | 5,781 |
| Assets per employee ($millions) | 4.7959% | 2,615 |
| Cash dividends to net income (ytd only)* | 112.8149% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6180% | 5,573 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3485% | 4,011 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 70.4120% | 2,433 |
| Net loans and leases to deposits | 81.9739% | 2,737 |
| Net loans and leases to core deposits | 83.5560% | 3,171 |
| Total domestic deposits to total assets | 85.8956% | 2,414 |
| Equity capital to assets | 10.3065% | 3,794 |
| Core capital (leverage) ratio | 10.4336% | 3,066 |
| Tier 1 risk-based capital ratio | 29.0585% | 520 |
| Total risk-based capital ratio | 30.2931% | 515 |
| Memoranda: | ||
| Average total assets | $33,341,000 | 5,720 |
| Average earning assets | $31,895,000 | 5,690 |
| Average equity | $3,491,750 | 5,761 |
| Average total loans | $25,406,000 | 5,389 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7718% | 4,049 |
| Cost of funding earning assets | 0.4017% | 3,025 |
| Net interest margin | 3.3702% | 3,999 |
| Noninterest income to average assets | 0.1263% | 5,683 |
| Noninterest expense to average assets | 1.3889% | 5,903 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.9661% | 355 |
| Return on assets (ROA) | 1.9661% | 372 |
| Pretax return on assets | 1.9661% | 610 |
| Return on Equity (ROE) | 18.6733% | 317 |
| Retained earnings to average equity (ytd only) | -0.2855% | 5,336 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3978% | 5,876 |
| Assets per employee ($millions) | 4.6763% | 2,755 |
| Cash dividends to net income (ytd only)* | 101.5291% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5813% | 5,706 |
| Loan loss allowance to noncurrent loans | 142.7184% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 0.3147% | 4,239 |
| Noncurrent loans to loans | 0.4073% | 3,898 |
| Net loans and leases to total assets | 76.8100% | 1,366 |
| Net loans and leases to deposits | 89.9989% | 1,757 |
| Net loans and leases to core deposits | 90.9594% | 2,440 |
| Total domestic deposits to total assets | 85.3455% | 2,715 |
| Equity capital to assets | 10.7442% | 3,350 |
| Core capital (leverage) ratio | 10.6744% | 2,759 |
| Tier 1 risk-based capital ratio | 16.4162% | 2,462 |
| Total risk-based capital ratio | 17.1023% | 2,648 |
| Memoranda: | ||
| Average total assets | $33,264,330 | 5,790 |
| Average earning assets | $31,868,000 | 5,755 |
| Average equity | $3,502,330 | 5,826 |
| Average total loans | $25,946,330 | 5,436 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7113% | 4,279 |
| Cost of funding earning assets | 0.3861% | 3,229 |
| Net interest margin | 3.3252% | 4,128 |
| Noninterest income to average assets | 0.1312% | 5,689 |
| Noninterest expense to average assets | 1.3123% | 6,000 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.0042% | 329 |
| Return on assets (ROA) | 2.0042% | 342 |
| Pretax return on assets | 2.0042% | 562 |
| Return on Equity (ROE) | 19.2275% | 276 |
| Retained earnings to average equity (ytd only) | -5.9514% | 5,659 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5683% | 5,975 |
| Assets per employee ($millions) | 4.7490% | 2,677 |
| Cash dividends to net income (ytd only)* | 130.9524% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5736% | 5,785 |
| Loan loss allowance to noncurrent loans | 181.4815% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 0.2437% | 4,582 |
| Noncurrent loans to loans | 0.3160% | 4,299 |
| Net loans and leases to total assets | 76.6537% | 1,301 |
| Net loans and leases to deposits | 89.4105% | 1,649 |
| Net loans and leases to core deposits | 90.3425% | 2,340 |
| Total domestic deposits to total assets | 85.7323% | 2,795 |
| Equity capital to assets | 10.4353% | 3,574 |
| Core capital (leverage) ratio | 10.3407% | 3,140 |
| Tier 1 risk-based capital ratio | 14.8750% | 3,214 |
| Total risk-based capital ratio | 15.5053% | 3,458 |
| Memoranda: | ||
| Average total assets | $33,529,500 | 5,845 |
| Average earning assets | $32,118,500 | 5,806 |
| Average equity | $3,495,000 | 5,880 |
| Average total loans | $26,274,500 | 5,472 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6985% | 4,372 |
| Cost of funding earning assets | 0.3711% | 3,475 |
| Net interest margin | 3.3274% | 4,189 |
| Noninterest income to average assets | 0.1156% | 5,823 |
| Noninterest expense to average assets | 1.3482% | 6,057 |
| Loan and lease loss provision to assets | 0.0356% | 3,636 |
| Net operating income to assets | 1.9201% | 395 |
| Return on assets (ROA) | 1.9201% | 405 |
| Pretax return on assets | 1.9201% | 640 |
| Return on Equity (ROE) | 18.5759% | 347 |
| Retained earnings to average equity (ytd only) | 0.3727% | 5,365 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.8072% | 6,049 |
| Assets per employee ($millions) | 4.8309% | 2,559 |
| Cash dividends to net income (ytd only)* | 97.9938% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5461% | 5,877 |
| Loan loss allowance to noncurrent loans | 186.0759% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.2336% | 4,666 |
| Noncurrent loans to loans | 0.2935% | 4,407 |
| Net loans and leases to total assets | 79.1726% | 966 |
| Net loans and leases to deposits | 92.2666% | 1,373 |
| Net loans and leases to core deposits | 93.2143% | 2,116 |
| Total domestic deposits to total assets | 85.8085% | 2,731 |
| Equity capital to assets | 10.4122% | 3,468 |
| Core capital (leverage) ratio | 10.2064% | 3,257 |
| Tier 1 risk-based capital ratio | 14.3955% | 3,497 |
| Total risk-based capital ratio | 14.9965% | 3,787 |
| Memoranda: | ||
| Average total assets | $33,748,000 | 5,897 |
| Average earning assets | $32,337,800 | 5,848 |
| Average equity | $3,488,400 | 5,928 |
| Average total loans | $26,419,000 | 5,508 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6378% | 4,619 |
| Cost of funding earning assets | 0.3630% | 3,624 |
| Net interest margin | 3.2748% | 4,446 |
| Noninterest income to average assets | 0.1225% | 5,860 |
| Noninterest expense to average assets | 1.3242% | 6,141 |
| Loan and lease loss provision to assets | 0.0237% | 3,800 |
| Net operating income to assets | 1.9131% | 415 |
| Return on assets (ROA) | 1.9131% | 435 |
| Pretax return on assets | 1.9131% | 701 |
| Return on Equity (ROE) | 18.5423% | 365 |
| Retained earnings to average equity (ytd only) | -1.9921% | 5,855 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6061% | 6,117 |
| Assets per employee ($millions) | 5.0371% | 2,261 |
| Cash dividends to net income (ytd only)* | 110.7435% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5186% | 6,002 |
| Loan loss allowance to noncurrent loans | 137.8641% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 0.2921% | 4,599 |
| Noncurrent loans to loans | 0.3762% | 4,267 |
| Net loans and leases to total assets | 77.2462% | 1,215 |
| Net loans and leases to deposits | 89.2080% | 1,746 |
| Net loans and leases to core deposits | 90.0784% | 2,460 |
| Total domestic deposits to total assets | 86.5910% | 2,238 |
| Equity capital to assets | 9.7986% | 4,396 |
| Core capital (leverage) ratio | 9.9222% | 3,741 |
| Tier 1 risk-based capital ratio | 13.5554% | 4,109 |
| Total risk-based capital ratio | 14.1125% | 4,432 |
| Memoranda: | ||
| Average total assets | $33,731,000 | 5,976 |
| Average earning assets | $32,326,500 | 5,929 |
| Average equity | $3,480,250 | 6,007 |
| Average total loans | $26,293,750 | 5,575 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5239% | 4,925 |
| Cost of funding earning assets | 0.3518% | 3,787 |
| Net interest margin | 3.1721% | 4,739 |
| Noninterest income to average assets | 0.1686% | 5,694 |
| Noninterest expense to average assets | 1.3485% | 6,197 |
| Loan and lease loss provision to assets | 0.0181% | 3,763 |
| Net operating income to assets | 1.8422% | 468 |
| Return on assets (ROA) | 1.8422% | 493 |
| Pretax return on assets | 1.8422% | 826 |
| Return on Equity (ROE) | 17.5425% | 443 |
| Retained earnings to average equity (ytd only) | -0.5160% | 5,611 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0263% | 6,168 |
| Assets per employee ($millions) | 4.9217% | 2,372 |
| Cash dividends to net income (ytd only)* | 102.9412% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5191% | 6,071 |
| Loan loss allowance to noncurrent loans | 141.8367% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 0.2845% | 4,741 |
| Noncurrent loans to loans | 0.3660% | 4,397 |
| Net loans and leases to total assets | 77.3192% | 1,162 |
| Net loans and leases to deposits | 89.7779% | 1,626 |
| Net loans and leases to core deposits | 90.6795% | 2,276 |
| Total domestic deposits to total assets | 86.1227% | 2,626 |
| Equity capital to assets | 10.1562% | 3,856 |
| Core capital (leverage) ratio | 10.7210% | 2,708 |
| Tier 1 risk-based capital ratio | 13.9865% | 3,936 |
| Total risk-based capital ratio | 14.5421% | 4,279 |
| Memoranda: | ||
| Average total assets | $33,221,330 | 6,056 |
| Average earning assets | $31,839,670 | 6,000 |
| Average equity | $3,488,670 | 6,068 |
| Average total loans | $25,932,000 | 5,637 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5968% | 4,703 |
| Cost of funding earning assets | 0.3584% | 3,768 |
| Net interest margin | 3.2384% | 4,460 |
| Noninterest income to average assets | 0.1227% | 5,988 |
| Noninterest expense to average assets | 1.3126% | 6,277 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.9138% | 396 |
| Return on assets (ROA) | 1.9138% | 422 |
| Pretax return on assets | 1.9138% | 698 |
| Return on Equity (ROE) | 17.9130% | 391 |
| Retained earnings to average equity (ytd only) | -5.6265% | 5,975 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6844% | 6,254 |
| Assets per employee ($millions) | 4.5199% | 3,025 |
| Cash dividends to net income (ytd only)* | 131.4103% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5289% | 6,149 |
| 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 | 80.8401% | 587 |
| Net loans and leases to deposits | 92.4960% | 1,134 |
| Net loans and leases to core deposits | 93.4900% | 1,810 |
| Total domestic deposits to total assets | 87.3985% | 2,168 |
| Equity capital to assets | 10.9327% | 3,050 |
| Core capital (leverage) ratio | 10.4419% | 3,042 |
| Tier 1 risk-based capital ratio | 10.7989% | 5,899 |
| Total risk-based capital ratio | 11.2235% | 6,130 |
| Memoranda: | ||
| Average total assets | $32,606,000 | 6,130 |
| Average earning assets | $31,250,000 | 6,081 |
| Average equity | $3,483,500 | 6,127 |
| Average total loans | $25,509,500 | 5,698 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5955% | 5,087 |
| Cost of funding earning assets | 0.3307% | 4,483 |
| Net interest margin | 3.2649% | 4,704 |
| Noninterest income to average assets | 0.1630% | 5,881 |
| Noninterest expense to average assets | 1.4501% | 6,325 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.8325% | 447 |
| Return on assets (ROA) | 1.8325% | 464 |
| Pretax return on assets | 1.8325% | 740 |
| Return on Equity (ROE) | 16.7824% | 515 |
| Retained earnings to average equity (ytd only) | 0.4873% | 5,558 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1743% | 6,315 |
| Assets per employee ($millions) | 4.7961% | 2,596 |
| Cash dividends to net income (ytd only)* | 97.0962% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5374% | 6,217 |
| 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 | 74.9710% | 1,423 |
| Net loans and leases to deposits | 86.3761% | 1,927 |
| Net loans and leases to core deposits | 87.2565% | 2,587 |
| Total domestic deposits to total assets | 86.7959% | 2,392 |
| Equity capital to assets | 10.4489% | 3,549 |
| Core capital (leverage) ratio | 11.2105% | 2,212 |
| Tier 1 risk-based capital ratio | 14.8048% | 3,600 |
| Total risk-based capital ratio | 15.3788% | 3,937 |
| Memoranda: | ||
| Average total assets | $30,067,400 | 6,250 |
| Average earning assets | $28,730,200 | 6,207 |
| Average equity | $3,283,200 | 6,218 |
| Average total loans | $22,801,800 | 5,862 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6083% | 5,119 |
| Cost of funding earning assets | 0.3302% | 4,564 |
| Net interest margin | 3.2781% | 4,687 |
| Noninterest income to average assets | 0.1644% | 5,931 |
| Noninterest expense to average assets | 1.4342% | 6,385 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.8590% | 455 |
| Return on assets (ROA) | 1.8590% | 471 |
| Pretax return on assets | 1.8590% | 782 |
| Return on Equity (ROE) | 16.8159% | 575 |
| Retained earnings to average equity (ytd only) | -0.9916% | 5,964 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5506% | 6,376 |
| Assets per employee ($millions) | 4.3063% | 3,287 |
| Cash dividends to net income (ytd only)* | 105.8970% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5594% | 6,276 |
| Loan loss allowance to noncurrent loans | 1,700.0000% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.0265% | 6,062 |
| Noncurrent loans to loans | 0.0329% | 5,902 |
| Net loans and leases to total assets | 80.2050% | 697 |
| Net loans and leases to deposits | 93.8767% | 1,056 |
| Net loans and leases to core deposits | 94.9607% | 1,765 |
| Total domestic deposits to total assets | 85.4366% | 3,139 |
| Equity capital to assets | 11.5048% | 2,480 |
| Core capital (leverage) ratio | 11.6212% | 1,963 |
| Tier 1 risk-based capital ratio | 15.5355% | 3,297 |
| Total risk-based capital ratio | 16.1448% | 3,584 |
| Memoranda: | ||
| Average total assets | $29,191,000 | 6,337 |
| Average earning assets | $27,861,000 | 6,297 |
| Average equity | $3,227,000 | 6,299 |
| Average total loans | $22,175,750 | 5,943 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5557% | 5,272 |
| Cost of funding earning assets | 0.3193% | 4,768 |
| Net interest margin | 3.2364% | 4,823 |
| Noninterest income to average assets | 0.1662% | 5,956 |
| Noninterest expense to average assets | 1.4823% | 6,433 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.7733% | 510 |
| Return on assets (ROA) | 1.7733% | 533 |
| Pretax return on assets | 1.7733% | 889 |
| Return on Equity (ROE) | 16.2712% | 631 |
| Retained earnings to average equity (ytd only) | 0.3178% | 5,598 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5319% | 6,377 |
| Assets per employee ($millions) | 4.2427% | 3,381 |
| Cash dividends to net income (ytd only)* | 98.0469% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5900% | 6,324 |
| 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 | 77.1608% | 1,026 |
| Net loans and leases to deposits | 91.0087% | 1,270 |
| Net loans and leases to core deposits | 92.0802% | 1,935 |
| Total domestic deposits to total assets | 84.7840% | 3,610 |
| Equity capital to assets | 11.7748% | 2,187 |
| Core capital (leverage) ratio | 12.0457% | 1,628 |
| Tier 1 risk-based capital ratio | 16.5218% | 2,817 |
| Total risk-based capital ratio | 17.1643% | 3,073 |
| Memoranda: | ||
| Average total assets | $28,873,330 | 6,408 |
| Average earning assets | $27,561,670 | 6,360 |
| Average equity | $3,146,670 | 6,358 |
| Average total loans | $21,463,330 | 6,015 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4275% | 5,588 |
| Cost of funding earning assets | 0.3089% | 4,979 |
| Net interest margin | 3.1186% | 5,181 |
| Noninterest income to average assets | 0.1827% | 5,867 |
| Noninterest expense to average assets | 1.4195% | 6,548 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.7428% | 529 |
| Return on assets (ROA) | 1.7428% | 546 |
| Pretax return on assets | 1.7428% | 891 |
| Return on Equity (ROE) | 16.6919% | 566 |
| Retained earnings to average equity (ytd only) | -5.6537% | 6,165 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8889% | 6,463 |
| Assets per employee ($millions) | 4.0383% | 3,858 |
| Cash dividends to net income (ytd only)* | 133.8710% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6383% | 6,360 |
| 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 | 74.8974% | 1,137 |
| Net loans and leases to deposits | 87.1634% | 1,450 |
| Net loans and leases to core deposits | 88.2277% | 2,068 |
| Total domestic deposits to total assets | 85.9276% | 3,402 |
| Equity capital to assets | 12.2082% | 1,741 |
| Core capital (leverage) ratio | 11.9090% | 1,707 |
| Tier 1 risk-based capital ratio | 17.5695% | 2,459 |
| Total risk-based capital ratio | 18.2619% | 2,639 |
| Memoranda: | ||
| Average total assets | $28,460,500 | 6,481 |
| Average earning assets | $27,192,000 | 6,432 |
| Average equity | $2,971,500 | 6,456 |
| Average total loans | $20,669,000 | 6,106 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7098% | 5,101 |
| Cost of funding earning assets | 0.3151% | 5,471 |
| Net interest margin | 3.3947% | 4,292 |
| Noninterest income to average assets | 0.2271% | 5,717 |
| Noninterest expense to average assets | 1.5443% | 6,547 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.9039% | 391 |
| Return on assets (ROA) | 1.9039% | 406 |
| Pretax return on assets | 1.9039% | 595 |
| Return on Equity (ROE) | 20.2855% | 268 |
| Retained earnings to average equity (ytd only) | 0.6049% | 5,563 |
| Net charge-offs to loans | -0.0101% | 6,019 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7859% | 6,595 |
| Assets per employee ($millions) | 4.0933% | 3,674 |
| Cash dividends to net income (ytd only)* | 97.0179% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6790% | 6,374 |
| Loan loss allowance to noncurrent loans | 272.0000% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.1745% | 5,788 |
| Noncurrent loans to loans | 0.2496% | 5,436 |
| Net loans and leases to total assets | 69.4308% | 2,105 |
| Net loans and leases to deposits | 78.3568% | 2,682 |
| Net loans and leases to core deposits | 79.2716% | 3,212 |
| Total domestic deposits to total assets | 88.6085% | 1,852 |
| Equity capital to assets | 8.6972% | 5,369 |
| Core capital (leverage) ratio | 9.1820% | 4,747 |
| Tier 1 risk-based capital ratio | 13.0226% | 4,953 |
| Total risk-based capital ratio | 13.7333% | 5,250 |
| Memoranda: | ||
| Average total assets | $26,419,800 | 6,599 |
| Average earning assets | $25,068,400 | 6,547 |
| Average equity | $2,479,600 | 6,635 |
| Average total loans | $19,731,400 | 6,216 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7832% | 4,919 |
| Cost of funding earning assets | 0.3103% | 5,640 |
| Net interest margin | 3.4729% | 3,999 |
| Noninterest income to average assets | 0.2269% | 5,806 |
| Noninterest expense to average assets | 1.5621% | 6,590 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.9539% | 398 |
| Return on assets (ROA) | 1.9539% | 410 |
| Pretax return on assets | 1.9539% | 643 |
| Return on Equity (ROE) | 20.4046% | 278 |
| Retained earnings to average equity (ytd only) | 1.4000% | 5,421 |
| Net charge-offs to loans | -0.0136% | 5,954 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4282% | 6,641 |
| Assets per employee ($millions) | 3.8351% | 4,156 |
| Cash dividends to net income (ytd only)* | 93.1390% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6514% | 6,497 |
| Loan loss allowance to noncurrent loans | 64.1509% | 4,637 |
| Noncurrent assets plus other real estate owned to assets | 0.7897% | 4,131 |
| Noncurrent loans to loans | 1.0154% | 3,775 |
| Net loans and leases to total assets | 77.2629% | 837 |
| Net loans and leases to deposits | 87.9942% | 1,364 |
| Net loans and leases to core deposits | 89.1018% | 2,065 |
| Total domestic deposits to total assets | 87.8045% | 2,244 |
| Equity capital to assets | 9.3235% | 4,771 |
| Core capital (leverage) ratio | 9.5182% | 4,372 |
| Tier 1 risk-based capital ratio | 12.5037% | 5,455 |
| Total risk-based capital ratio | 13.1831% | 5,759 |
| Memoranda: | ||
| Average total assets | $25,861,500 | 6,685 |
| Average earning assets | $24,493,750 | 6,641 |
| Average equity | $2,476,500 | 6,714 |
| Average total loans | $19,656,750 | 6,288 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7167% | 5,094 |
| Cost of funding earning assets | 0.3146% | 5,720 |
| Net interest margin | 3.4021% | 4,179 |
| Noninterest income to average assets | 0.2428% | 5,715 |
| Noninterest expense to average assets | 1.5509% | 6,637 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.9112% | 416 |
| Return on assets (ROA) | 1.9112% | 452 |
| Pretax return on assets | 1.9112% | 735 |
| Return on Equity (ROE) | 19.7757% | 320 |
| Retained earnings to average equity (ytd only) | -2.5125% | 6,254 |
| Net charge-offs to loans | -0.0208% | 5,983 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7964% | 6,683 |
| Assets per employee ($millions) | 3.6484% | 4,523 |
| Cash dividends to net income (ytd only)* | 112.7049% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6766% | 6,526 |
| Loan loss allowance to noncurrent loans | 266.6667% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.1997% | 5,896 |
| Noncurrent loans to loans | 0.2537% | 5,675 |
| Net loans and leases to total assets | 78.1706% | 732 |
| Net loans and leases to deposits | 86.5291% | 1,511 |
| Net loans and leases to core deposits | 87.6421% | 2,147 |
| Total domestic deposits to total assets | 90.3403% | 834 |
| Equity capital to assets | 9.5775% | 4,483 |
| Core capital (leverage) ratio | 9.6562% | 4,001 |
| Tier 1 risk-based capital ratio | 13.0991% | 5,070 |
| Total risk-based capital ratio | 13.8275% | 5,387 |
| Memoranda: | ||
| Average total assets | $25,533,330 | 6,739 |
| Average earning assets | $24,161,330 | 6,697 |
| Average equity | $2,467,670 | 6,760 |
| Average total loans | $19,249,670 | 6,344 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6992% | 5,169 |
| Cost of funding earning assets | 0.3152% | 5,840 |
| Net interest margin | 3.3840% | 4,181 |
| Noninterest income to average assets | 0.2663% | 5,551 |
| Noninterest expense to average assets | 1.5668% | 6,690 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.8958% | 414 |
| Return on assets (ROA) | 1.8958% | 448 |
| Pretax return on assets | 1.8958% | 744 |
| Return on Equity (ROE) | 19.5279% | 324 |
| Retained earnings to average equity (ytd only) | 0.4842% | 5,632 |
| Net charge-offs to loans | -0.0425% | 6,059 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2489% | 6,720 |
| Assets per employee ($millions) | 3.6624% | 4,639 |
| Cash dividends to net income (ytd only)* | 97.5207% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7203% | 6,562 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 73.1131% | 1,188 |
| Net loans and leases to deposits | 81.0306% | 1,950 |
| Net loans and leases to core deposits | 82.0701% | 2,561 |
| Total domestic deposits to total assets | 90.2290% | 920 |
| Equity capital to assets | 9.6735% | 4,602 |
| Core capital (leverage) ratio | 9.2572% | 4,469 |
| Tier 1 risk-based capital ratio | 13.4937% | 4,877 |
| Total risk-based capital ratio | 14.2336% | 5,181 |
| Memoranda: | ||
| Average total assets | $25,530,500 | 6,808 |
| Average earning assets | $24,113,500 | 6,762 |
| Average equity | $2,478,500 | 6,818 |
| Average total loans | $18,824,500 | 6,416 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8670% | 5,676 |
| Cost of funding earning assets | 0.4251% | 5,753 |
| Net interest margin | 3.4419% | 4,730 |
| Noninterest income to average assets | 0.2025% | 5,967 |
| Noninterest expense to average assets | 1.5965% | 6,810 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.8535% | 468 |
| Return on assets (ROA) | 1.8535% | 519 |
| Pretax return on assets | 1.8535% | 819 |
| Return on Equity (ROE) | 19.2448% | 342 |
| Retained earnings to average equity (ytd only) | 0.0809% | 5,794 |
| Net charge-offs to loans | -0.0106% | 6,469 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2754% | 6,775 |
| Assets per employee ($millions) | 3.6320% | 4,702 |
| Cash dividends to net income (ytd only)* | 99.5798% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7139% | 6,615 |
| Loan loss allowance to noncurrent loans | 252.8302% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.2085% | 6,042 |
| Noncurrent loans to loans | 0.2824% | 5,775 |
| Net loans and leases to total assets | 73.2969% | 1,288 |
| Net loans and leases to deposits | 81.2939% | 2,109 |
| Net loans and leases to core deposits | 82.3464% | 2,735 |
| Total domestic deposits to total assets | 90.1628% | 869 |
| Equity capital to assets | 9.7428% | 4,539 |
| Core capital (leverage) ratio | 9.6833% | 3,835 |
| Tier 1 risk-based capital ratio | 13.6677% | 4,630 |
| Total risk-based capital ratio | 14.4071% | 4,943 |
| Memoranda: | ||
| Average total assets | $25,680,600 | 6,852 |
| Average earning assets | $24,230,800 | 6,811 |
| Average equity | $2,473,400 | 6,885 |
| Average total loans | $18,895,200 | 6,470 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8196% | 5,975 |
| Cost of funding earning assets | 0.4445% | 5,832 |
| Net interest margin | 3.3750% | 5,118 |
| Noninterest income to average assets | 0.2175% | 5,986 |
| Noninterest expense to average assets | 1.5640% | 6,904 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.8385% | 528 |
| Return on assets (ROA) | 1.8385% | 595 |
| Pretax return on assets | 1.8385% | 969 |
| Return on Equity (ROE) | 19.1434% | 385 |
| Retained earnings to average equity (ytd only) | -0.3236% | 6,145 |
| Net charge-offs to loans | -0.0141% | 6,427 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9665% | 6,817 |
| Assets per employee ($millions) | 3.1518% | 5,731 |
| Cash dividends to net income (ytd only)* | 101.6902% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6971% | 6,752 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 75.7079% | 1,013 |
| Net loans and leases to deposits | 84.0111% | 1,871 |
| Net loans and leases to core deposits | 86.0951% | 2,450 |
| Total domestic deposits to total assets | 90.1166% | 786 |
| Equity capital to assets | 9.7922% | 4,795 |
| Core capital (leverage) ratio | 9.7385% | 3,889 |
| Tier 1 risk-based capital ratio | 13.4514% | 4,909 |
| Total risk-based capital ratio | 14.1814% | 5,275 |
| Memoranda: | ||
| Average total assets | $25,744,750 | 6,936 |
| Average earning assets | $24,295,500 | 6,895 |
| Average equity | $2,472,500 | 6,975 |
| Average total loans | $18,926,750 | 6,557 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8091% | 6,118 |
| Cost of funding earning assets | 0.4577% | 5,918 |
| Net interest margin | 3.3513% | 5,268 |
| Noninterest income to average assets | 0.1775% | 6,293 |
| Noninterest expense to average assets | 1.5431% | 6,978 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.7977% | 565 |
| Return on assets (ROA) | 1.7977% | 634 |
| Pretax return on assets | 1.7977% | 1,047 |
| Return on Equity (ROE) | 18.8384% | 425 |
| Retained earnings to average equity (ytd only) | -0.6468% | 6,154 |
| Net charge-offs to loans | -0.0212% | 6,441 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1894% | 6,878 |
| Assets per employee ($millions) | 3.1885% | 5,670 |
| Cash dividends to net income (ytd only)* | 103.4335% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7379% | 6,782 |
| Loan loss allowance to noncurrent loans | 50.7576% | 5,081 |
| Noncurrent assets plus other real estate owned to assets | 1.0350% | 4,310 |
| Noncurrent loans to loans | 1.4538% | 3,732 |
| Net loans and leases to total assets | 70.6641% | 1,793 |
| Net loans and leases to deposits | 78.3219% | 2,628 |
| Net loans and leases to core deposits | 80.2466% | 3,183 |
| Total domestic deposits to total assets | 90.2227% | 800 |
| Equity capital to assets | 9.6715% | 4,793 |
| Core capital (leverage) ratio | 9.6772% | 3,875 |
| Tier 1 risk-based capital ratio | 13.8939% | 4,530 |
| Total risk-based capital ratio | 14.6486% | 4,862 |
| Memoranda: | ||
| Average total assets | $25,921,670 | 6,987 |
| Average earning assets | $24,468,000 | 6,946 |
| Average equity | $2,473,670 | 7,019 |
| Average total loans | $18,828,000 | 6,607 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8845% | 6,050 |
| Cost of funding earning assets | 0.4694% | 6,017 |
| Net interest margin | 3.4151% | 5,054 |
| Noninterest income to average assets | 0.1684% | 6,375 |
| Noninterest expense to average assets | 1.4850% | 7,069 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.9136% | 486 |
| Return on assets (ROA) | 1.9136% | 558 |
| Pretax return on assets | 1.9136% | 857 |
| Return on Equity (ROE) | 20.1857% | 379 |
| Retained earnings to average equity (ytd only) | 0.6459% | 5,801 |
| Net charge-offs to loans | -0.0209% | 6,194 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6937% | 7,001 |
| Assets per employee ($millions) | 3.3026% | 5,561 |
| Cash dividends to net income (ytd only)* | 96.8000% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6962% | 6,880 |
| 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 | 71.8027% | 1,438 |
| Net loans and leases to deposits | 79.3334% | 2,293 |
| Net loans and leases to core deposits | 81.1871% | 2,930 |
| Total domestic deposits to total assets | 90.5076% | 800 |
| Equity capital to assets | 9.3827% | 4,986 |
| Core capital (leverage) ratio | 9.3035% | 4,360 |
| Tier 1 risk-based capital ratio | 13.3194% | 4,959 |
| Total risk-based capital ratio | 14.0340% | 5,358 |
| Memoranda: | ||
| Average total assets | $26,128,500 | 7,045 |
| Average earning assets | $24,713,500 | 6,992 |
| Average equity | $2,477,000 | 7,070 |
| Average total loans | $19,162,500 | 6,647 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4920% | 5,105 |
| Cost of funding earning assets | 0.6277% | 5,938 |
| Net interest margin | 3.8643% | 3,496 |
| Noninterest income to average assets | 0.1404% | 6,447 |
| Noninterest expense to average assets | 1.6484% | 7,084 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 2.1216% | 257 |
| Return on assets (ROA) | 2.1216% | 276 |
| Pretax return on assets | 2.1216% | 428 |
| Return on Equity (ROE) | 22.2662% | 175 |
| Retained earnings to average equity (ytd only) | 0.5893% | 5,567 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7234% | 7,131 |
| Assets per employee ($millions) | 3.2295% | 5,654 |
| Cash dividends to net income (ytd only)* | 97.3535% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6920% | 6,915 |
| 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 | 73.8814% | 1,292 |
| Net loans and leases to deposits | 83.6056% | 1,968 |
| Net loans and leases to core deposits | 85.6694% | 2,673 |
| Total domestic deposits to total assets | 88.3689% | 1,925 |
| Equity capital to assets | 9.5797% | 4,774 |
| Core capital (leverage) ratio | 10.0053% | 3,336 |
| Tier 1 risk-based capital ratio | 13.2502% | 4,875 |
| Total risk-based capital ratio | 13.9622% | 5,274 |
| Memoranda: | ||
| Average total assets | $24,933,600 | 7,106 |
| Average earning assets | $23,419,400 | 7,065 |
| Average equity | $2,375,800 | 7,147 |
| Average total loans | $19,321,600 | 6,690 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6216% | 4,781 |
| Cost of funding earning assets | 0.6619% | 5,972 |
| Net interest margin | 3.9597% | 3,106 |
| Noninterest income to average assets | 0.1457% | 6,526 |
| Noninterest expense to average assets | 1.6621% | 7,133 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 2.1963% | 259 |
| Return on assets (ROA) | 2.1963% | 275 |
| Pretax return on assets | 2.1963% | 427 |
| Return on Equity (ROE) | 23.0817% | 186 |
| Retained earnings to average equity (ytd only) | 2.0983% | 5,090 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0769% | 7,173 |
| Assets per employee ($millions) | 3.4274% | 5,172 |
| Cash dividends to net income (ytd only)* | 90.9094% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7134% | 6,943 |
| Loan loss allowance to noncurrent loans | 733.3333% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.0750% | 6,871 |
| Noncurrent loans to loans | 0.0973% | 6,688 |
| Net loans and leases to total assets | 76.5755% | 898 |
| Net loans and leases to deposits | 85.5785% | 1,739 |
| Net loans and leases to core deposits | 87.8203% | 2,518 |
| Total domestic deposits to total assets | 89.4798% | 1,152 |
| Equity capital to assets | 10.4118% | 3,816 |
| Core capital (leverage) ratio | 10.2596% | 3,124 |
| Tier 1 risk-based capital ratio | 14.0867% | 4,289 |
| Total risk-based capital ratio | 14.8311% | 4,643 |
| Memoranda: | ||
| Average total assets | $24,708,000 | 7,181 |
| Average earning assets | $23,166,000 | 7,145 |
| Average equity | $2,351,000 | 7,221 |
| Average total loans | $19,346,750 | 6,759 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5147% | 5,310 |
| Cost of funding earning assets | 0.6840% | 6,046 |
| Net interest margin | 3.8306% | 3,643 |
| Noninterest income to average assets | 0.1603% | 6,512 |
| Noninterest expense to average assets | 1.6355% | 7,232 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.1165% | 292 |
| Return on assets (ROA) | 2.1165% | 300 |
| Pretax return on assets | 2.1165% | 473 |
| Return on Equity (ROE) | 22.9366% | 201 |
| Retained earnings to average equity (ytd only) | 1.6507% | 5,169 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5897% | 7,252 |
| Assets per employee ($millions) | 3.5770% | 4,734 |
| Cash dividends to net income (ytd only)* | 92.8030% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6739% | 7,051 |
| Loan loss allowance to noncurrent loans | 185.9155% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.2836% | 6,423 |
| Noncurrent loans to loans | 0.3625% | 6,180 |
| Net loans and leases to total assets | 77.7028% | 816 |
| Net loans and leases to deposits | 86.3445% | 1,740 |
| Net loans and leases to core deposits | 88.4967% | 2,569 |
| Total domestic deposits to total assets | 89.9916% | 983 |
| Equity capital to assets | 9.9045% | 4,270 |
| Core capital (leverage) ratio | 9.8632% | 3,433 |
| Tier 1 risk-based capital ratio | 13.2962% | 4,695 |
| Total risk-based capital ratio | 14.0039% | 5,101 |
| Memoranda: | ||
| Average total assets | $24,946,670 | 7,240 |
| Average earning assets | $23,390,330 | 7,203 |
| Average equity | $2,302,000 | 7,293 |
| Average total loans | $19,627,670 | 6,812 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4184% | 5,629 |
| Cost of funding earning assets | 0.7364% | 5,941 |
| Net interest margin | 3.6820% | 4,192 |
| Noninterest income to average assets | 0.2088% | 6,240 |
| Noninterest expense to average assets | 1.6385% | 7,280 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.0241% | 339 |
| Return on assets (ROA) | 2.0241% | 356 |
| Pretax return on assets | 2.0241% | 538 |
| Return on Equity (ROE) | 22.7745% | 222 |
| Retained earnings to average equity (ytd only) | 0.9038% | 5,467 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7368% | 7,257 |
| Assets per employee ($millions) | 3.6453% | 4,664 |
| Cash dividends to net income (ytd only)* | 96.0317% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6765% | 7,104 |
| 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 | 75.9533% | 1,037 |
| Net loans and leases to deposits | 84.2030% | 1,997 |
| Net loans and leases to core deposits | 86.4413% | 2,815 |
| Total domestic deposits to total assets | 90.2026% | 1,022 |
| Equity capital to assets | 9.6641% | 4,230 |
| Core capital (leverage) ratio | 9.6437% | 3,602 |
| Tier 1 risk-based capital ratio | 12.7002% | 5,064 |
| Total risk-based capital ratio | 13.3800% | 5,566 |
| Memoranda: | ||
| Average total assets | $24,900,500 | 7,291 |
| Average earning assets | $23,357,000 | 7,255 |
| Average equity | $2,213,000 | 7,367 |
| Average total loans | $19,647,500 | 6,859 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7299% | 5,692 |
| Cost of funding earning assets | 1.0855% | 5,217 |
| Net interest margin | 3.6444% | 4,599 |
| Noninterest income to average assets | 0.1383% | 6,701 |
| Noninterest expense to average assets | 1.7163% | 7,341 |
| Loan and lease loss provision to assets | 0.0081% | 6,997 |
| Net operating income to assets | 1.8139% | 403 |
| Return on assets (ROA) | 1.8139% | 436 |
| Pretax return on assets | 1.8139% | 735 |
| Return on Equity (ROE) | 23.0562% | 139 |
| Retained earnings to average equity (ytd only) | 2.2746% | 4,285 |
| Net charge-offs to loans | -0.0103% | 7,314 |
| Credit loss provision to net charge-offs | -100.0000% | 7,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5057% | 7,237 |
| Assets per employee ($millions) | 3.4691% | 5,008 |
| Cash dividends to net income (ytd only)* | 90.1345% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6673% | 7,180 |
| 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 | 80.9175% | 549 |
| Net loans and leases to deposits | 90.2038% | 1,497 |
| Net loans and leases to core deposits | 92.7412% | 2,415 |
| Total domestic deposits to total assets | 89.7052% | 1,263 |
| Equity capital to assets | 8.0712% | 6,414 |
| Core capital (leverage) ratio | 7.9733% | 6,239 |
| Tier 1 risk-based capital ratio | 10.4774% | 6,715 |
| Total risk-based capital ratio | 11.1830% | 6,999 |
| Memoranda: | ||
| Average total assets | $24,588,200 | 7,359 |
| Average earning assets | $22,939,000 | 7,323 |
| Average equity | $1,934,400 | 7,511 |
| Average total loans | $19,388,800 | 6,955 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7445% | 5,874 |
| Cost of funding earning assets | 1.1355% | 5,223 |
| Net interest margin | 3.6091% | 4,830 |
| Noninterest income to average assets | 0.0540% | 7,253 |
| Noninterest expense to average assets | 1.7137% | 7,428 |
| Loan and lease loss provision to assets | 0.0108% | 6,918 |
| Net operating income to assets | 1.6974% | 625 |
| Return on assets (ROA) | 1.6974% | 679 |
| Pretax return on assets | 1.6974% | 1,119 |
| Return on Equity (ROE) | 21.7147% | 212 |
| Retained earnings to average equity (ytd only) | 2.1437% | 4,893 |
| Net charge-offs to loans | -0.0138% | 7,305 |
| Credit loss provision to net charge-offs | -100.0000% | 6,911 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0790% | 7,143 |
| Assets per employee ($millions) | 3.5434% | 4,875 |
| Cash dividends to net income (ytd only)* | 90.1256% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6482% | 7,285 |
| 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 | 81.5635% | 554 |
| Net loans and leases to deposits | 93.5841% | 1,250 |
| Net loans and leases to core deposits | 98.3902% | 2,007 |
| Total domestic deposits to total assets | 87.1553% | 2,443 |
| Equity capital to assets | 7.8536% | 6,902 |
| Core capital (leverage) ratio | 7.9591% | 6,404 |
| Tier 1 risk-based capital ratio | 10.0641% | 7,029 |
| Total risk-based capital ratio | 10.7460% | 7,253 |
| Memoranda: | ||
| Average total assets | $24,664,250 | 7,451 |
| Average earning assets | $23,015,500 | 7,414 |
| Average equity | $1,928,000 | 7,610 |
| Average total loans | $19,290,500 | 7,057 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7437% | 6,000 |
| Cost of funding earning assets | 1.1794% | 5,240 |
| Net interest margin | 3.5643% | 4,977 |
| Noninterest income to average assets | -0.0406% | 7,580 |
| Noninterest expense to average assets | 1.7061% | 7,500 |
| Loan and lease loss provision to assets | 0.0162% | 6,756 |
| Net operating income to assets | 1.5517% | 816 |
| Return on assets (ROA) | 1.5517% | 870 |
| Pretax return on assets | 1.5517% | 1,430 |
| Return on Equity (ROE) | 19.8821% | 325 |
| Retained earnings to average equity (ytd only) | 2.9146% | 4,280 |
| Net charge-offs to loans | -0.0106% | 7,198 |
| Credit loss provision to net charge-offs | -200.0000% | 6,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1092% | 7,053 |
| Assets per employee ($millions) | 3.5326% | 4,835 |
| Cash dividends to net income (ytd only)* | 85.3403% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6930% | 7,266 |
| Loan loss allowance to noncurrent loans | 148.8636% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.3559% | 6,541 |
| Noncurrent loans to loans | 0.4655% | 6,322 |
| Net loans and leases to total assets | 75.9180% | 1,505 |
| Net loans and leases to deposits | 87.1582% | 2,311 |
| Net loans and leases to core deposits | 90.9589% | 3,131 |
| Total domestic deposits to total assets | 87.1037% | 2,480 |
| Equity capital to assets | 7.8656% | 6,873 |
| Core capital (leverage) ratio | 8.0548% | 6,191 |
| Tier 1 risk-based capital ratio | 10.3905% | 6,772 |
| Total risk-based capital ratio | 11.0903% | 7,092 |
| Memoranda: | ||
| Average total assets | $24,617,670 | 7,509 |
| Average earning assets | $22,893,670 | 7,482 |
| Average equity | $1,921,330 | 7,673 |
| Average total loans | $18,933,000 | 7,131 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8123% | 5,851 |
| Cost of funding earning assets | 1.2515% | 5,101 |
| Net interest margin | 3.5607% | 4,899 |
| Noninterest income to average assets | 0.1791% | 6,675 |
| Noninterest expense to average assets | 1.8402% | 7,422 |
| Loan and lease loss provision to assets | 0.0326% | 6,350 |
| Net operating income to assets | 1.5959% | 760 |
| Return on assets (ROA) | 1.1074% | 1,891 |
| Pretax return on assets | 1.1074% | 2,707 |
| Return on Equity (ROE) | 14.2446% | 1,005 |
| Retained earnings to average equity (ytd only) | -3.1422% | 6,378 |
| Net charge-offs to loans | -0.0211% | 7,087 |
| Credit loss provision to net charge-offs | -200.0000% | 6,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0516% | 7,053 |
| Assets per employee ($millions) | 3.3934% | 5,308 |
| Cash dividends to net income (ytd only)* | 122.0588% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7195% | 7,300 |
| Loan loss allowance to noncurrent loans | 1,455.5556% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.0379% | 7,399 |
| Noncurrent loans to loans | 0.0494% | 7,283 |
| Net loans and leases to total assets | 76.0967% | 1,525 |
| Net loans and leases to deposits | 85.2360% | 2,720 |
| Net loans and leases to core deposits | 88.6861% | 3,537 |
| Total domestic deposits to total assets | 89.2776% | 1,380 |
| Equity capital to assets | 8.0071% | 6,645 |
| Core capital (leverage) ratio | 7.6976% | 6,630 |
| Tier 1 risk-based capital ratio | 10.6050% | 6,535 |
| Total risk-based capital ratio | 11.3354% | 6,968 |
| Memoranda: | ||
| Average total assets | $24,562,500 | 7,603 |
| Average earning assets | $22,692,000 | 7,574 |
| Average equity | $1,909,500 | 7,763 |
| Average total loans | $18,947,500 | 7,216 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1423% | 5,910 |
| Cost of funding earning assets | 1.5708% | 5,179 |
| Net interest margin | 3.5716% | 4,648 |
| Noninterest income to average assets | 0.1237% | 7,136 |
| Noninterest expense to average assets | 1.8348% | 7,578 |
| Loan and lease loss provision to assets | 0.0597% | 6,966 |
| Net operating income to assets | 1.4892% | 691 |
| Return on assets (ROA) | 1.4892% | 744 |
| Pretax return on assets | 1.4892% | 1,211 |
| Return on Equity (ROE) | 18.2972% | 344 |
| Retained earnings to average equity (ytd only) | 0.3670% | 4,701 |
| Net charge-offs to loans | -0.0112% | 7,756 |
| Credit loss provision to net charge-offs | -700.0000% | 7,437 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2245% | 7,208 |
| Assets per employee ($millions) | 3.6244% | 4,714 |
| Cash dividends to net income (ytd only)* | 97.9943% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6501% | 7,474 |
| 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 | 77.0959% | 1,565 |
| Net loans and leases to deposits | 86.9024% | 2,753 |
| Net loans and leases to core deposits | 103.4921% | 3,629 |
| Total domestic deposits to total assets | 88.7155% | 1,621 |
| Equity capital to assets | 7.5559% | 6,982 |
| Core capital (leverage) ratio | 7.9343% | 6,278 |
| Tier 1 risk-based capital ratio | 9.5240% | 7,207 |
| Total risk-based capital ratio | 10.1600% | 7,528 |
| Memoranda: | ||
| Average total assets | $23,435,600 | 7,686 |
| Average earning assets | $21,391,000 | 7,668 |
| Average equity | $1,907,400 | 7,857 |
| Average total loans | $17,794,200 | 7,323 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1790% | 5,963 |
| Cost of funding earning assets | 1.6586% | 5,118 |
| Net interest margin | 3.5205% | 4,782 |
| Noninterest income to average assets | 0.1975% | 6,806 |
| Noninterest expense to average assets | 1.8938% | 7,554 |
| Loan and lease loss provision to assets | 0.0174% | 7,170 |
| Net operating income to assets | 1.5045% | 802 |
| Return on assets (ROA) | 1.5045% | 863 |
| Pretax return on assets | 1.5045% | 1,403 |
| Return on Equity (ROE) | 18.1270% | 444 |
| Retained earnings to average equity (ytd only) | -0.5601% | 5,367 |
| Net charge-offs to loans | -0.0077% | 7,657 |
| Credit loss provision to net charge-offs | -300.0000% | 7,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4422% | 7,073 |
| Assets per employee ($millions) | 3.4251% | 5,107 |
| Cash dividends to net income (ytd only)* | 103.0899% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6323% | 7,518 |
| Loan loss allowance to noncurrent loans | 11,700.0000% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 7,439 |
| Noncurrent loans to loans | 0.0054% | 7,520 |
| Net loans and leases to total assets | 76.6850% | 1,850 |
| Net loans and leases to deposits | 88.0724% | 2,941 |
| Net loans and leases to core deposits | 107.8864% | 3,483 |
| Total domestic deposits to total assets | 87.0704% | 2,148 |
| Equity capital to assets | 7.9329% | 6,909 |
| Core capital (leverage) ratio | 8.0515% | 6,273 |
| Tier 1 risk-based capital ratio | 10.3252% | 6,652 |
| Total risk-based capital ratio | 10.9603% | 7,186 |
| Memoranda: | ||
| Average total assets | $22,951,750 | 7,772 |
| Average earning assets | $20,981,500 | 7,754 |
| Average equity | $1,905,000 | 7,939 |
| Average total loans | $17,320,750 | 7,399 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1904% | 6,113 |
| Cost of funding earning assets | 1.7624% | 4,943 |
| Net interest margin | 3.4280% | 5,070 |
| Noninterest income to average assets | 0.2477% | 6,510 |
| Noninterest expense to average assets | 1.9725% | 7,508 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.4064% | 1,019 |
| Return on assets (ROA) | 1.4064% | 1,086 |
| Pretax return on assets | 1.4064% | 1,706 |
| Return on Equity (ROE) | 16.6842% | 619 |
| Retained earnings to average equity (ytd only) | 0.2099% | 5,131 |
| Net charge-offs to loans | -0.0118% | 7,627 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3770% | 6,797 |
| Assets per employee ($millions) | 3.1969% | 5,595 |
| Cash dividends to net income (ytd only)* | 98.7421% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6638% | 7,507 |
| Loan loss allowance to noncurrent loans | 5,650.0000% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.2234% | 6,940 |
| Noncurrent loans to loans | 0.0117% | 7,533 |
| Net loans and leases to total assets | 75.5653% | 2,295 |
| Net loans and leases to deposits | 87.8715% | 3,193 |
| Net loans and leases to core deposits | 109.3861% | 3,446 |
| Total domestic deposits to total assets | 85.9952% | 2,798 |
| Equity capital to assets | 8.5441% | 5,984 |
| Core capital (leverage) ratio | 8.4887% | 5,472 |
| Tier 1 risk-based capital ratio | 10.8575% | 6,025 |
| Total risk-based capital ratio | 11.4991% | 6,578 |
| Memoranda: | ||
| Average total assets | $22,610,330 | 7,860 |
| Average earning assets | $20,653,330 | 7,838 |
| Average equity | $1,906,000 | 8,023 |
| Average total loans | $16,926,670 | 7,490 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3015% | 5,885 |
| Cost of funding earning assets | 1.8700% | 4,792 |
| Net interest margin | 3.4315% | 5,005 |
| Noninterest income to average assets | 0.2816% | 6,173 |
| Noninterest expense to average assets | 2.3057% | 6,521 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1088% | 1,927 |
| Return on assets (ROA) | 1.1088% | 2,056 |
| Pretax return on assets | 1.1088% | 2,951 |
| Return on Equity (ROE) | 13.2422% | 1,322 |
| Retained earnings to average equity (ytd only) | -2.9427% | 6,264 |
| Net charge-offs to loans | -0.0237% | 7,480 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5258% | 5,047 |
| Assets per employee ($millions) | 3.1654% | 5,690 |
| Cash dividends to net income (ytd only)* | 122.2222% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6861% | 7,481 |
| Loan loss allowance to noncurrent loans | 5,650.0000% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0090% | 7,615 |
| Noncurrent loans to loans | 0.0121% | 7,534 |
| Net loans and leases to total assets | 73.8198% | 2,800 |
| Net loans and leases to deposits | 86.9822% | 3,473 |
| Net loans and leases to core deposits | 100.7204% | 4,472 |
| Total domestic deposits to total assets | 84.8678% | 3,269 |
| Equity capital to assets | 8.5567% | 5,978 |
| Core capital (leverage) ratio | 8.4024% | 5,714 |
| Tier 1 risk-based capital ratio | 11.9051% | 5,038 |
| Total risk-based capital ratio | 12.6146% | 5,443 |
| Memoranda: | ||
| Average total assets | $22,726,500 | 7,904 |
| Average earning assets | $20,749,000 | 7,883 |
| Average equity | $1,903,000 | 8,071 |
| Average total loans | $16,878,500 | 7,538 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8123% | 6,385 |
| Cost of funding earning assets | 2.4924% | 4,245 |
| Net interest margin | 3.3199% | 5,970 |
| Noninterest income to average assets | 0.2952% | 6,351 |
| Noninterest expense to average assets | 2.0667% | 7,308 |
| Loan and lease loss provision to assets | 0.0461% | 6,839 |
| Net operating income to assets | 1.2363% | 1,662 |
| Return on assets (ROA) | 1.2363% | 1,608 |
| Pretax return on assets | 1.2363% | 2,524 |
| Return on Equity (ROE) | 14.0123% | 1,102 |
| Retained earnings to average equity (ytd only) | -0.4183% | 5,414 |
| Net charge-offs to loans | 0.0131% | 6,727 |
| Credit loss provision to net charge-offs | 500.0000% | 870 |
| Earnings coverage of net charge-offs (x) | 139.0000% | 326 |
| Efficiency ratio | 61.7080% | 6,008 |
| Assets per employee ($millions) | 3.3279% | 5,147 |
| Cash dividends to net income (ytd only)* | 102.9851% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6479% | 7,552 |
| Loan loss allowance to noncurrent loans | 5,600.0000% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.6439% | 5,288 |
| Noncurrent loans to loans | 0.0116% | 7,502 |
| Net loans and leases to total assets | 73.7283% | 3,178 |
| Net loans and leases to deposits | 86.2285% | 4,083 |
| Net loans and leases to core deposits | 102.4150% | 4,564 |
| Total domestic deposits to total assets | 85.5033% | 2,629 |
| Equity capital to assets | 8.1992% | 6,555 |
| Core capital (leverage) ratio | 8.5436% | 5,489 |
| Tier 1 risk-based capital ratio | 11.1247% | 5,621 |
| Total risk-based capital ratio | 11.7770% | 6,071 |
| Memoranda: | ||
| Average total assets | $21,677,000 | 7,966 |
| Average earning assets | $19,940,400 | 7,942 |
| Average equity | $1,912,600 | 8,137 |
| Average total loans | $15,229,400 | 7,629 |