Home > Nebraska State Bank > Performance and Condition Ratios
Nebraska 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 | 5.6599% | 974 |
| Cost of funding earning assets | 1.1540% | 2,925 |
| Net interest margin | 4.5059% | 612 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 3.2065% | 826 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9240% | 2,475 |
| Return on assets (ROA) | 0.9240% | 2,443 |
| Pretax return on assets | 1.2137% | 2,103 |
| Return on Equity (ROE) | 6.2700% | 3,468 |
| Retained earnings to average equity (ytd only) | 6.1724% | 2,182 |
| Net charge-offs to loans | 0.0492% | 1,376 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 40.5000% | 1,438 |
| Efficiency ratio | 72.5424% | 1,609 |
| Assets per employee ($millions) | 5.2285% | 3,449 |
| Cash dividends to net income (ytd only)* | 1.6216% | 3,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4009% | 1,394 |
| Loan loss allowance to noncurrent loans | 940.0000% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.0956% | 2,878 |
| Noncurrent loans to loans | 0.1490% | 2,770 |
| Net loans and leases to total assets | 63.2700% | 2,542 |
| Net loans and leases to deposits | 75.8585% | 2,467 |
| Net loans and leases to core deposits | 95.6415% | 1,673 |
| Total domestic deposits to total assets | 83.4000% | 2,781 |
| Equity capital to assets | 14.4783% | 604 |
| Core capital (leverage) ratio | 14.8242% | 647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $20,021,600 | 4,520 |
| Average earning assets | $19,063,800 | 4,484 |
| Average equity | $2,948,600 | 4,433 |
| Average total loans | $12,184,000 | 4,384 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4918% | 1,022 |
| Cost of funding earning assets | 1.0196% | 2,981 |
| Net interest margin | 4.4722% | 645 |
| Noninterest income to average assets | 0.1200% | 4,221 |
| Noninterest expense to average assets | 2.9294% | 1,177 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1044% | 2,042 |
| Return on assets (ROA) | 1.1044% | 2,022 |
| Pretax return on assets | 1.4748% | 1,621 |
| Return on Equity (ROE) | 7.4700% | 3,318 |
| Retained earnings to average equity (ytd only) | 7.4660% | 2,151 |
| Net charge-offs to loans | 0.0674% | 997 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 36.5000% | 1,496 |
| Efficiency ratio | 66.5138% | 2,218 |
| Assets per employee ($millions) | 5.1350% | 3,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4789% | 1,168 |
| Loan loss allowance to noncurrent loans | 272.4638% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.3359% | 1,683 |
| Noncurrent loans to loans | 0.5428% | 1,467 |
| Net loans and leases to total assets | 60.9700% | 2,750 |
| Net loans and leases to deposits | 72.5566% | 2,674 |
| Net loans and leases to core deposits | 93.2747% | 1,714 |
| Total domestic deposits to total assets | 84.0400% | 2,761 |
| Equity capital to assets | 14.6543% | 568 |
| Core capital (leverage) ratio | 14.9878% | 626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $19,798,500 | 4,547 |
| Average earning assets | $18,961,250 | 4,512 |
| Average equity | $2,928,750 | 4,451 |
| Average total loans | $11,875,000 | 4,414 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3173% | 1,059 |
| Cost of funding earning assets | 0.8328% | 3,121 |
| Net interest margin | 4.4845% | 622 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 2.9154% | 1,184 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1764% | 1,890 |
| Return on assets (ROA) | 1.1764% | 1,886 |
| Pretax return on assets | 1.5242% | 1,549 |
| Return on Equity (ROE) | 7.9300% | 3,249 |
| Retained earnings to average equity (ytd only) | 7.9265% | 1,984 |
| Net charge-offs to loans | 0.1207% | 601 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 21.2857% | 1,725 |
| Efficiency ratio | 65.6682% | 2,288 |
| Assets per employee ($millions) | 5.0215% | 3,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5308% | 1,086 |
| Loan loss allowance to noncurrent loans | 159.3220% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 0.5875% | 922 |
| Noncurrent loans to loans | 0.9608% | 788 |
| Net loans and leases to total assets | 60.2100% | 2,750 |
| Net loans and leases to deposits | 73.2554% | 2,564 |
| Net loans and leases to core deposits | 86.7317% | 2,019 |
| Total domestic deposits to total assets | 82.1900% | 3,194 |
| Equity capital to assets | 14.7416% | 549 |
| Core capital (leverage) ratio | 14.6795% | 633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $19,551,333 | 4,577 |
| Average earning assets | $18,731,333 | 4,538 |
| Average equity | $2,901,667 | 4,483 |
| Average total loans | $11,596,000 | 4,445 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0788% | 1,107 |
| Cost of funding earning assets | 0.7162% | 3,002 |
| Net interest margin | 4.3626% | 727 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 3.0077% | 1,051 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0786% | 2,293 |
| Return on assets (ROA) | 1.0786% | 2,260 |
| Pretax return on assets | 1.3275% | 2,094 |
| Return on Equity (ROE) | 7.2400% | 3,474 |
| Retained earnings to average equity (ytd only) | 7.2423% | 2,437 |
| Net charge-offs to loans | -0.0355% | 4,268 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.3780% | 1,816 |
| Assets per employee ($millions) | 4.9610% | 3,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7617% | 705 |
| Loan loss allowance to noncurrent loans | 172.5664% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 0.5694% | 906 |
| Noncurrent loans to loans | 1.0209% | 710 |
| Net loans and leases to total assets | 54.8000% | 3,137 |
| Net loans and leases to deposits | 64.6915% | 3,033 |
| Net loans and leases to core deposits | 70.7068% | 2,899 |
| Total domestic deposits to total assets | 84.7100% | 2,927 |
| Equity capital to assets | 14.6039% | 517 |
| Core capital (leverage) ratio | 14.6312% | 636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $19,284,000 | 4,637 |
| Average earning assets | $18,429,500 | 4,608 |
| Average equity | $2,872,000 | 4,548 |
| Average total loans | $11,253,500 | 4,515 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3404% | 984 |
| Cost of funding earning assets | 0.5573% | 1,080 |
| Net interest margin | 3.7832% | 1,191 |
| Noninterest income to average assets | 0.1100% | 4,393 |
| Noninterest expense to average assets | 3.0812% | 855 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4619% | 4,152 |
| Return on assets (ROA) | 0.4619% | 4,109 |
| Pretax return on assets | 0.6683% | 3,913 |
| Return on Equity (ROE) | 3.3500% | 4,255 |
| Retained earnings to average equity (ytd only) | 3.2468% | 3,643 |
| Net charge-offs to loans | -0.0439% | 4,314 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 82.1756% | 586 |
| Assets per employee ($millions) | 4.6810% | 3,914 |
| Cash dividends to net income (ytd only)* | 3.1915% | 3,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6961% | 808 |
| Loan loss allowance to noncurrent loans | 281.1594% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.3685% | 1,392 |
| Noncurrent loans to loans | 0.6033% | 1,241 |
| Net loans and leases to total assets | 60.0500% | 2,625 |
| Net loans and leases to deposits | 72.6028% | 2,362 |
| Net loans and leases to core deposits | 79.9374% | 2,140 |
| Total domestic deposits to total assets | 82.7100% | 3,487 |
| Equity capital to assets | 15.1997% | 455 |
| Core capital (leverage) ratio | 14.8237% | 597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $20,349,000 | 4,666 |
| Average earning assets | $19,560,200 | 4,637 |
| Average equity | $2,802,800 | 4,627 |
| Average total loans | $11,392,800 | 4,540 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1567% | 963 |
| Cost of funding earning assets | 0.5329% | 627 |
| Net interest margin | 3.6238% | 1,341 |
| Noninterest income to average assets | 0.0900% | 4,493 |
| Noninterest expense to average assets | 2.8265% | 1,195 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5332% | 4,005 |
| Return on assets (ROA) | 0.5332% | 3,947 |
| Pretax return on assets | 0.7580% | 3,674 |
| Return on Equity (ROE) | 3.9600% | 4,153 |
| Retained earnings to average equity (ytd only) | 3.9636% | 3,456 |
| Net charge-offs to loans | -0.0469% | 4,293 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 78.8530% | 848 |
| Assets per employee ($millions) | 4.8875% | 3,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6364% | 1,003 |
| Loan loss allowance to noncurrent loans | 2,425.0000% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.0409% | 3,497 |
| Noncurrent loans to loans | 0.0675% | 3,393 |
| Net loans and leases to total assets | 59.6500% | 2,540 |
| Net loans and leases to deposits | 71.8661% | 2,218 |
| Net loans and leases to core deposits | 76.6767% | 2,146 |
| Total domestic deposits to total assets | 83.0000% | 3,690 |
| Equity capital to assets | 14.5217% | 501 |
| Core capital (leverage) ratio | 13.8414% | 715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $20,755,250 | 4,702 |
| Average earning assets | $20,015,250 | 4,673 |
| Average equity | $2,792,000 | 4,668 |
| Average total loans | $11,381,500 | 4,573 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9318% | 1,054 |
| Cost of funding earning assets | 0.5282% | 442 |
| Net interest margin | 3.4036% | 1,597 |
| Noninterest income to average assets | 0.0851% | 4,541 |
| Noninterest expense to average assets | 2.7698% | 1,229 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3592% | 4,190 |
| Return on assets (ROA) | 0.3592% | 4,146 |
| Pretax return on assets | 0.6050% | 3,807 |
| Return on Equity (ROE) | 2.7374% | 4,257 |
| Retained earnings to average equity (ytd only) | 2.7374% | 3,534 |
| Net charge-offs to loans | -0.0535% | 4,263 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0728% | 793 |
| Assets per employee ($millions) | 5.2443% | 3,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7167% | 936 |
| Loan loss allowance to noncurrent loans | 2,400.0000% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.0381% | 3,599 |
| Noncurrent loans to loans | 0.0715% | 3,442 |
| Net loans and leases to total assets | 52.4002% | 3,115 |
| Net loans and leases to deposits | 61.5764% | 2,921 |
| Net loans and leases to core deposits | 68.3242% | 2,621 |
| Total domestic deposits to total assets | 85.0980% | 3,464 |
| Equity capital to assets | 13.3146% | 610 |
| Core capital (leverage) ratio | 12.8408% | 862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $21,157,000 | 4,737 |
| Average earning assets | $20,448,667 | 4,717 |
| Average equity | $2,776,333 | 4,703 |
| Average total loans | $11,223,667 | 4,641 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7892% | 1,105 |
| Cost of funding earning assets | 0.5469% | 384 |
| Net interest margin | 3.2423% | 1,747 |
| Noninterest income to average assets | 0.0753% | 4,590 |
| Noninterest expense to average assets | 2.3721% | 2,261 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4895% | 3,740 |
| Return on assets (ROA) | 0.4895% | 3,706 |
| Pretax return on assets | 0.8284% | 3,016 |
| Return on Equity (ROE) | 3.7572% | 3,936 |
| Retained earnings to average equity (ytd only) | 3.7572% | 3,027 |
| Net charge-offs to loans | -0.0712% | 4,376 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1176% | 1,730 |
| Assets per employee ($millions) | 5.3698% | 3,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7877% | 899 |
| Loan loss allowance to noncurrent loans | 329.3103% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.2700% | 2,057 |
| Noncurrent loans to loans | 0.5429% | 1,686 |
| Net loans and leases to total assets | 48.8524% | 3,298 |
| Net loans and leases to deposits | 56.4990% | 3,219 |
| Net loans and leases to core deposits | 65.3078% | 2,689 |
| Total domestic deposits to total assets | 86.4659% | 3,115 |
| Equity capital to assets | 12.9475% | 699 |
| Core capital (leverage) ratio | 12.6645% | 851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $21,247,000 | 4,760 |
| Average earning assets | $20,479,500 | 4,742 |
| Average equity | $2,768,000 | 4,730 |
| Average total loans | $11,243,500 | 4,666 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1104% | 1,143 |
| Cost of funding earning assets | 0.6093% | 521 |
| Net interest margin | 3.5011% | 1,731 |
| Noninterest income to average assets | 0.1298% | 4,498 |
| Noninterest expense to average assets | 2.5912% | 1,893 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7163% | 3,586 |
| Return on assets (ROA) | 0.7163% | 3,642 |
| Pretax return on assets | 0.9086% | 3,490 |
| Return on Equity (ROE) | 5.5374% | 3,876 |
| Retained earnings to average equity (ytd only) | 5.4259% | 2,604 |
| Net charge-offs to loans | -0.0788% | 4,506 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0385% | 1,297 |
| Assets per employee ($millions) | 5.2538% | 3,512 |
| Cash dividends to net income (ytd only)* | 2.0134% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6013% | 1,253 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 55.2653% | 2,707 |
| Net loans and leases to deposits | 65.2765% | 2,569 |
| Net loans and leases to core deposits | 75.9631% | 1,923 |
| Total domestic deposits to total assets | 84.6633% | 3,372 |
| Equity capital to assets | 13.1097% | 868 |
| Core capital (leverage) ratio | 12.7570% | 858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $20,801,400 | 4,801 |
| Average earning assets | $20,022,200 | 4,780 |
| Average equity | $2,690,800 | 4,775 |
| Average total loans | $11,417,200 | 4,706 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1070% | 1,294 |
| Cost of funding earning assets | 0.6211% | 573 |
| Net interest margin | 3.4860% | 1,907 |
| Noninterest income to average assets | 0.1092% | 4,629 |
| Noninterest expense to average assets | 2.3841% | 2,485 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9061% | 3,222 |
| Return on assets (ROA) | 0.9061% | 3,303 |
| Pretax return on assets | 1.0796% | 3,246 |
| Return on Equity (ROE) | 7.0285% | 3,660 |
| Retained earnings to average equity (ytd only) | 7.0285% | 2,405 |
| Net charge-offs to loans | -0.0824% | 4,542 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8312% | 1,723 |
| Assets per employee ($millions) | 5.2030% | 3,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5292% | 1,527 |
| Loan loss allowance to noncurrent loans | 311.6667% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.2883% | 2,329 |
| Noncurrent loans to loans | 0.4906% | 2,081 |
| Net loans and leases to total assets | 57.8608% | 2,511 |
| Net loans and leases to deposits | 67.3829% | 2,499 |
| Net loans and leases to core deposits | 78.3474% | 1,868 |
| Total domestic deposits to total assets | 85.8687% | 2,797 |
| Equity capital to assets | 13.2135% | 926 |
| Core capital (leverage) ratio | 13.1033% | 819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $20,748,000 | 4,875 |
| Average earning assets | $19,965,250 | 4,852 |
| Average equity | $2,674,750 | 4,850 |
| Average total loans | $11,320,750 | 4,781 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0207% | 1,524 |
| Cost of funding earning assets | 0.6217% | 667 |
| Net interest margin | 3.3991% | 2,143 |
| Noninterest income to average assets | 0.1061% | 4,670 |
| Noninterest expense to average assets | 2.3738% | 2,545 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8298% | 3,424 |
| Return on assets (ROA) | 0.8298% | 3,497 |
| Pretax return on assets | 1.0035% | 3,442 |
| Return on Equity (ROE) | 6.4914% | 3,788 |
| Retained earnings to average equity (ytd only) | 6.4914% | 2,629 |
| Net charge-offs to loans | -0.0545% | 4,411 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2857% | 1,597 |
| Assets per employee ($millions) | 5.3058% | 3,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5693% | 1,358 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 54.0828% | 3,122 |
| Net loans and leases to deposits | 62.4619% | 3,156 |
| Net loans and leases to core deposits | 72.2933% | 2,579 |
| Total domestic deposits to total assets | 86.5853% | 2,509 |
| Equity capital to assets | 12.6985% | 1,049 |
| Core capital (leverage) ratio | 12.5659% | 902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $20,726,667 | 4,911 |
| Average earning assets | $19,946,667 | 4,886 |
| Average equity | $2,649,667 | 4,884 |
| Average total loans | $11,018,000 | 4,823 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0584% | 1,493 |
| Cost of funding earning assets | 0.6730% | 605 |
| Net interest margin | 3.3854% | 2,151 |
| Noninterest income to average assets | 0.1563% | 4,422 |
| Noninterest expense to average assets | 2.5197% | 2,122 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7032% | 3,697 |
| Return on assets (ROA) | 0.7032% | 3,761 |
| Pretax return on assets | 0.8790% | 3,647 |
| Return on Equity (ROE) | 5.4815% | 3,996 |
| Retained earnings to average equity (ytd only) | 5.4815% | 3,070 |
| Net charge-offs to loans | -0.0374% | 4,277 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1379% | 1,296 |
| Assets per employee ($millions) | 4.1954% | 4,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6983% | 1,052 |
| Loan loss allowance to noncurrent loans | 98.3696% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 0.8772% | 1,003 |
| Noncurrent loans to loans | 1.7264% | 694 |
| Net loans and leases to total assets | 49.9452% | 3,628 |
| Net loans and leases to deposits | 57.5912% | 3,670 |
| Net loans and leases to core deposits | 66.7537% | 3,174 |
| Total domestic deposits to total assets | 86.7236% | 2,433 |
| Equity capital to assets | 12.6090% | 1,036 |
| Core capital (leverage) ratio | 12.5065% | 989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $20,478,500 | 4,938 |
| Average earning assets | $19,613,500 | 4,915 |
| Average equity | $2,627,000 | 4,910 |
| Average total loans | $10,696,500 | 4,852 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6268% | 1,051 |
| Cost of funding earning assets | 0.8560% | 997 |
| Net interest margin | 3.7708% | 1,585 |
| Noninterest income to average assets | 0.3032% | 3,660 |
| Noninterest expense to average assets | 2.9522% | 1,540 |
| Loan and lease loss provision to assets | 0.3085% | 1,211 |
| Net operating income to assets | 0.4894% | 4,048 |
| Return on assets (ROA) | 0.4894% | 4,133 |
| Pretax return on assets | 0.6277% | 4,022 |
| Return on Equity (ROE) | 3.5865% | 4,252 |
| Retained earnings to average equity (ytd only) | 3.4695% | 3,097 |
| Net charge-offs to loans | -0.0769% | 4,754 |
| Credit loss provision to net charge-offs | -725.0000% | 3,993 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9234% | 1,239 |
| Assets per employee ($millions) | 4.9950% | 3,396 |
| Cash dividends to net income (ytd only)* | 3.2609% | 3,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6674% | 1,118 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 52.8328% | 3,596 |
| Net loans and leases to deposits | 61.1269% | 3,671 |
| Net loans and leases to core deposits | 72.6797% | 3,021 |
| Total domestic deposits to total assets | 86.4314% | 2,175 |
| Equity capital to assets | 13.0581% | 1,065 |
| Core capital (leverage) ratio | 12.9037% | 922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $18,799,800 | 4,962 |
| Average earning assets | $17,874,200 | 4,946 |
| Average equity | $2,565,200 | 4,933 |
| Average total loans | $10,408,800 | 4,888 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7258% | 1,007 |
| Cost of funding earning assets | 0.8861% | 1,113 |
| Net interest margin | 3.8397% | 1,503 |
| Noninterest income to average assets | 0.3603% | 3,311 |
| Noninterest expense to average assets | 2.7380% | 2,151 |
| Loan and lease loss provision to assets | 0.4161% | 818 |
| Net operating income to assets | 0.6917% | 3,487 |
| Return on assets (ROA) | 0.6917% | 3,586 |
| Pretax return on assets | 0.8574% | 3,499 |
| Return on Equity (ROE) | 5.0111% | 3,896 |
| Retained earnings to average equity (ytd only) | 5.0111% | 2,554 |
| Net charge-offs to loans | -0.0646% | 4,744 |
| Credit loss provision to net charge-offs | -1,160.0000% | 3,950 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2226% | 2,156 |
| Assets per employee ($millions) | 4.8255% | 3,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6897% | 911 |
| Loan loss allowance to noncurrent loans | 5,866.6667% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0155% | 4,408 |
| Noncurrent loans to loans | 0.0288% | 4,289 |
| Net loans and leases to total assets | 53.0515% | 3,885 |
| Net loans and leases to deposits | 62.1963% | 3,919 |
| Net loans and leases to core deposits | 73.2999% | 3,375 |
| Total domestic deposits to total assets | 85.2969% | 2,320 |
| Equity capital to assets | 13.5530% | 985 |
| Core capital (leverage) ratio | 13.5110% | 839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3267% | 390 |
| Memoranda: | ||
| Average total assets | $18,504,750 | 4,993 |
| Average earning assets | $17,605,000 | 4,975 |
| Average equity | $2,554,250 | 4,962 |
| Average total loans | $10,327,250 | 4,920 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8111% | 1,144 |
| Cost of funding earning assets | 0.9115% | 1,322 |
| Net interest margin | 3.8996% | 1,571 |
| Noninterest income to average assets | 0.4825% | 2,640 |
| Noninterest expense to average assets | 2.7633% | 2,177 |
| Loan and lease loss provision to assets | 0.6360% | 476 |
| Net operating income to assets | 0.6250% | 3,654 |
| Return on assets (ROA) | 0.6250% | 3,732 |
| Pretax return on assets | 0.7895% | 3,621 |
| Return on Equity (ROE) | 4.4994% | 3,974 |
| Retained earnings to average equity (ytd only) | 4.4994% | 2,706 |
| Net charge-offs to loans | -0.0583% | 4,720 |
| Credit loss provision to net charge-offs | -1,933.3333% | 3,883 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9686% | 2,520 |
| Assets per employee ($millions) | 4.8488% | 3,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6990% | 814 |
| Loan loss allowance to noncurrent loans | 246.4789% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.3661% | 2,832 |
| Noncurrent loans to loans | 0.6893% | 2,149 |
| Net loans and leases to total assets | 52.2042% | 4,015 |
| Net loans and leases to deposits | 60.8510% | 4,073 |
| Net loans and leases to core deposits | 69.1551% | 3,766 |
| Total domestic deposits to total assets | 85.7902% | 2,097 |
| Equity capital to assets | 13.2869% | 1,045 |
| Core capital (leverage) ratio | 13.5219% | 868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $18,239,000 | 5,027 |
| Average earning assets | $17,335,000 | 5,010 |
| Average equity | $2,533,667 | 4,995 |
| Average total loans | $10,297,667 | 4,954 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9970% | 977 |
| Cost of funding earning assets | 0.9610% | 1,598 |
| Net interest margin | 4.0360% | 1,299 |
| Noninterest income to average assets | 0.2265% | 4,191 |
| Noninterest expense to average assets | 2.8990% | 2,127 |
| Loan and lease loss provision to assets | 1.3136% | 132 |
| Net operating income to assets | -0.3624% | 4,901 |
| Return on assets (ROA) | -0.3624% | 4,872 |
| Pretax return on assets | -0.1812% | 4,802 |
| Return on Equity (ROE) | -2.5478% | 4,856 |
| Retained earnings to average equity (ytd only) | -2.5478% | 4,303 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9101% | 2,088 |
| Assets per employee ($millions) | 4.4680% | 3,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7109% | 861 |
| Loan loss allowance to noncurrent loans | 255.2239% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 1.1415% | 1,119 |
| Noncurrent loans to loans | 0.6703% | 2,317 |
| Net loans and leases to total assets | 54.9687% | 3,913 |
| Net loans and leases to deposits | 64.5721% | 3,947 |
| Net loans and leases to core deposits | 75.7265% | 3,513 |
| Total domestic deposits to total assets | 85.1276% | 2,365 |
| Equity capital to assets | 14.0107% | 1,053 |
| Core capital (leverage) ratio | 13.5917% | 1,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $17,661,000 | 5,078 |
| Average earning assets | $16,650,000 | 5,064 |
| Average equity | $2,512,000 | 5,043 |
| Average total loans | $10,296,500 | 4,993 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9821% | 1,526 |
| Cost of funding earning assets | 0.7919% | 2,720 |
| Net interest margin | 4.1902% | 1,337 |
| Noninterest income to average assets | 0.2425% | 4,226 |
| Noninterest expense to average assets | 3.2657% | 1,371 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7389% | 3,736 |
| Return on assets (ROA) | 0.7389% | 3,809 |
| Pretax return on assets | 0.9758% | 3,523 |
| Return on Equity (ROE) | 4.7807% | 4,274 |
| Retained earnings to average equity (ytd only) | 4.6712% | 2,605 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9947% | 1,264 |
| Assets per employee ($millions) | 3.5444% | 4,440 |
| Cash dividends to net income (ytd only)* | 2.2901% | 3,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3589% | 1,682 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7787% | 1,659 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 60.6196% | 3,536 |
| Net loans and leases to deposits | 72.4899% | 3,477 |
| Net loans and leases to core deposits | 83.7269% | 2,977 |
| Total domestic deposits to total assets | 83.6249% | 2,988 |
| Equity capital to assets | 15.7544% | 648 |
| Core capital (leverage) ratio | 15.1805% | 651 |
| Tier 1 risk-based capital ratio | 24.3248% | 805 |
| Total risk-based capital ratio | 25.5707% | 783 |
| Memoranda: | ||
| Average total assets | $17,729,800 | 5,137 |
| Average earning assets | $16,920,600 | 5,119 |
| Average equity | $2,740,200 | 5,085 |
| Average total loans | $10,708,400 | 5,048 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8936% | 1,838 |
| Cost of funding earning assets | 0.7673% | 2,881 |
| Net interest margin | 4.1263% | 1,559 |
| Noninterest income to average assets | 0.2632% | 4,165 |
| Noninterest expense to average assets | 3.1205% | 1,669 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0001% | 2,984 |
| Return on assets (ROA) | 1.0001% | 3,060 |
| Pretax return on assets | 1.1054% | 3,282 |
| Return on Equity (ROE) | 6.5022% | 3,882 |
| Retained earnings to average equity (ytd only) | 6.5022% | 2,118 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8434% | 1,592 |
| Assets per employee ($millions) | 3.6358% | 4,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3566% | 1,734 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7536% | 1,821 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 59.2002% | 3,748 |
| Net loans and leases to deposits | 71.0316% | 3,689 |
| Net loans and leases to core deposits | 80.2296% | 3,373 |
| Total domestic deposits to total assets | 83.3434% | 3,045 |
| Equity capital to assets | 15.3859% | 754 |
| Core capital (leverage) ratio | 15.5978% | 623 |
| Tier 1 risk-based capital ratio | 24.3514% | 815 |
| Total risk-based capital ratio | 25.5964% | 801 |
| Memoranda: | ||
| Average total assets | $17,731,750 | 5,215 |
| Average earning assets | $17,028,500 | 5,199 |
| Average equity | $2,727,250 | 5,163 |
| Average total loans | $10,662,750 | 5,129 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8296% | 1,970 |
| Cost of funding earning assets | 0.7085% | 3,119 |
| Net interest margin | 4.1211% | 1,549 |
| Noninterest income to average assets | 0.3071% | 3,874 |
| Noninterest expense to average assets | 3.2077% | 1,487 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9555% | 3,078 |
| Return on assets (ROA) | 0.9555% | 3,150 |
| Pretax return on assets | 1.0692% | 3,325 |
| Return on Equity (ROE) | 6.2130% | 3,976 |
| Retained earnings to average equity (ytd only) | 6.2130% | 2,183 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0000% | 1,517 |
| Assets per employee ($millions) | 3.4402% | 4,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3715% | 1,730 |
| Loan loss allowance to noncurrent loans | 37.8517% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 2.2731% | 355 |
| Noncurrent loans to loans | 3.6234% | 221 |
| Net loans and leases to total assets | 61.8743% | 3,553 |
| Net loans and leases to deposits | 75.6002% | 3,371 |
| Net loans and leases to core deposits | 82.9088% | 3,203 |
| Total domestic deposits to total assets | 81.8441% | 3,562 |
| Equity capital to assets | 15.9758% | 620 |
| Core capital (leverage) ratio | 15.3340% | 642 |
| Tier 1 risk-based capital ratio | 22.4896% | 997 |
| Total risk-based capital ratio | 23.7008% | 983 |
| Memoranda: | ||
| Average total assets | $17,582,670 | 5,263 |
| Average earning assets | $16,937,330 | 5,245 |
| Average equity | $2,704,000 | 5,205 |
| Average total loans | $10,580,330 | 5,172 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6585% | 2,354 |
| Cost of funding earning assets | 0.6555% | 3,294 |
| Net interest margin | 4.0030% | 1,847 |
| Noninterest income to average assets | 0.3826% | 3,308 |
| Noninterest expense to average assets | 3.3083% | 1,271 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8102% | 3,579 |
| Return on assets (ROA) | 0.8102% | 3,618 |
| Pretax return on assets | 0.9227% | 3,687 |
| Return on Equity (ROE) | 5.3691% | 4,231 |
| Retained earnings to average equity (ytd only) | 5.3691% | 2,749 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1915% | 1,245 |
| Assets per employee ($millions) | 3.4814% | 4,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4022% | 1,670 |
| Loan loss allowance to noncurrent loans | 28.4615% | 4,644 |
| Noncurrent assets plus other real estate owned to assets | 2.9873% | 210 |
| Noncurrent loans to loans | 4.9266% | 118 |
| Net loans and leases to total assets | 59.7863% | 3,730 |
| Net loans and leases to deposits | 71.9809% | 3,604 |
| Net loans and leases to core deposits | 79.0745% | 3,442 |
| Total domestic deposits to total assets | 83.0585% | 3,362 |
| Equity capital to assets | 15.5110% | 649 |
| Core capital (leverage) ratio | 14.8875% | 724 |
| Tier 1 risk-based capital ratio | 22.2901% | 1,018 |
| Total risk-based capital ratio | 23.5119% | 1,001 |
| Memoranda: | ||
| Average total assets | $17,773,500 | 5,317 |
| Average earning assets | $17,087,000 | 5,298 |
| Average equity | $2,682,000 | 5,261 |
| Average total loans | $10,475,000 | 5,237 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4587% | 2,585 |
| Cost of funding earning assets | 0.5176% | 3,240 |
| Net interest margin | 3.9410% | 2,190 |
| Noninterest income to average assets | 0.3430% | 3,820 |
| Noninterest expense to average assets | 3.3845% | 1,178 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6465% | 4,295 |
| Return on assets (ROA) | 0.6465% | 4,301 |
| Pretax return on assets | 0.7253% | 4,351 |
| Return on Equity (ROE) | 4.3917% | 4,610 |
| Retained earnings to average equity (ytd only) | 4.2771% | 3,195 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3529% | 766 |
| Assets per employee ($millions) | 3.6280% | 4,415 |
| Cash dividends to net income (ytd only)* | 2.6087% | 3,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4238% | 1,548 |
| Loan loss allowance to noncurrent loans | 104.9645% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 0.7773% | 1,800 |
| Noncurrent loans to loans | 1.3564% | 1,153 |
| Net loans and leases to total assets | 56.4884% | 4,096 |
| Net loans and leases to deposits | 66.5087% | 4,080 |
| Net loans and leases to core deposits | 72.6223% | 3,949 |
| Total domestic deposits to total assets | 84.9338% | 2,669 |
| Equity capital to assets | 14.6858% | 789 |
| Core capital (leverage) ratio | 14.7885% | 734 |
| Tier 1 risk-based capital ratio | 21.9711% | 1,036 |
| Total risk-based capital ratio | 23.1918% | 1,022 |
| Memoranda: | ||
| Average total assets | $17,786,800 | 5,360 |
| Average earning assets | $17,000,600 | 5,346 |
| Average equity | $2,618,600 | 5,313 |
| Average total loans | $10,039,000 | 5,287 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4962% | 2,319 |
| Cost of funding earning assets | 0.4882% | 3,271 |
| Net interest margin | 4.0080% | 1,929 |
| Noninterest income to average assets | 0.3616% | 3,715 |
| Noninterest expense to average assets | 3.1415% | 1,667 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8889% | 3,588 |
| Return on assets (ROA) | 0.8889% | 3,589 |
| Pretax return on assets | 1.0547% | 3,558 |
| Return on Equity (ROE) | 6.0343% | 4,259 |
| Retained earnings to average equity (ytd only) | 6.0343% | 2,643 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8654% | 1,472 |
| Assets per employee ($millions) | 3.5108% | 4,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5142% | 1,302 |
| Loan loss allowance to noncurrent loans | 108.0292% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 0.7804% | 1,912 |
| Noncurrent loans to loans | 1.4017% | 1,182 |
| Net loans and leases to total assets | 54.8365% | 4,306 |
| Net loans and leases to deposits | 65.6661% | 4,226 |
| Net loans and leases to core deposits | 72.0401% | 4,081 |
| Total domestic deposits to total assets | 83.5080% | 3,117 |
| Equity capital to assets | 15.2102% | 674 |
| Core capital (leverage) ratio | 15.1061% | 679 |
| Tier 1 risk-based capital ratio | 23.4746% | 894 |
| Total risk-based capital ratio | 24.7231% | 873 |
| Memoranda: | ||
| Average total assets | $17,698,500 | 5,430 |
| Average earning assets | $16,932,250 | 5,416 |
| Average equity | $2,607,250 | 5,383 |
| Average total loans | $9,950,000 | 5,356 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4344% | 2,304 |
| Cost of funding earning assets | 0.4717% | 3,214 |
| Net interest margin | 3.9627% | 1,991 |
| Noninterest income to average assets | 0.3944% | 3,529 |
| Noninterest expense to average assets | 3.1893% | 1,558 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8227% | 3,780 |
| Return on assets (ROA) | 0.8227% | 3,785 |
| Pretax return on assets | 0.9917% | 3,688 |
| Return on Equity (ROE) | 5.6451% | 4,364 |
| Retained earnings to average equity (ytd only) | 5.6451% | 2,751 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2803% | 1,391 |
| Assets per employee ($millions) | 3.5748% | 4,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5750% | 1,169 |
| Loan loss allowance to noncurrent loans | 108.0292% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 0.7665% | 1,948 |
| Noncurrent loans to loans | 1.4579% | 1,158 |
| Net loans and leases to total assets | 51.7456% | 4,493 |
| Net loans and leases to deposits | 61.3614% | 4,460 |
| Net loans and leases to core deposits | 68.1276% | 4,245 |
| Total domestic deposits to total assets | 84.3292% | 2,947 |
| Equity capital to assets | 14.6861% | 765 |
| Core capital (leverage) ratio | 14.8339% | 709 |
| Tier 1 risk-based capital ratio | 23.8182% | 851 |
| Total risk-based capital ratio | 25.0703% | 821 |
| Memoranda: | ||
| Average total assets | $17,746,670 | 5,496 |
| Average earning assets | $16,958,330 | 5,481 |
| Average equity | $2,586,330 | 5,444 |
| Average total loans | $10,008,670 | 5,414 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4343% | 2,076 |
| Cost of funding earning assets | 0.4505% | 3,198 |
| Net interest margin | 3.9838% | 1,777 |
| Noninterest income to average assets | 0.3167% | 4,036 |
| Noninterest expense to average assets | 3.2574% | 1,437 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6786% | 4,178 |
| Return on assets (ROA) | 0.6786% | 4,181 |
| Pretax return on assets | 0.8596% | 3,984 |
| Return on Equity (ROE) | 4.6747% | 4,584 |
| Retained earnings to average equity (ytd only) | 4.6747% | 3,321 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1209% | 1,243 |
| Assets per employee ($millions) | 3.5440% | 4,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4894% | 1,500 |
| Loan loss allowance to noncurrent loans | 569.2308% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.1467% | 4,348 |
| Noncurrent loans to loans | 0.2616% | 3,827 |
| Net loans and leases to total assets | 55.2427% | 4,185 |
| Net loans and leases to deposits | 65.2644% | 4,137 |
| Net loans and leases to core deposits | 72.5004% | 3,919 |
| Total domestic deposits to total assets | 84.6445% | 3,051 |
| Equity capital to assets | 14.5711% | 759 |
| Core capital (leverage) ratio | 14.7223% | 703 |
| Tier 1 risk-based capital ratio | 23.0125% | 942 |
| Total risk-based capital ratio | 24.2602% | 919 |
| Memoranda: | ||
| Average total assets | $17,683,000 | 5,562 |
| Average earning assets | $16,868,500 | 5,544 |
| Average equity | $2,567,000 | 5,506 |
| Average total loans | $10,314,500 | 5,470 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4714% | 1,811 |
| Cost of funding earning assets | 0.3506% | 3,714 |
| Net interest margin | 4.1208% | 1,371 |
| Noninterest income to average assets | 0.3551% | 3,927 |
| Noninterest expense to average assets | 3.4330% | 1,149 |
| Loan and lease loss provision to assets | 0.0296% | 3,682 |
| Net operating income to assets | 0.6097% | 3,966 |
| Return on assets (ROA) | 0.6097% | 4,003 |
| Pretax return on assets | 0.8583% | 4,055 |
| Return on Equity (ROE) | 4.0948% | 4,474 |
| Retained earnings to average equity (ytd only) | 3.9755% | 2,812 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4521% | 1,163 |
| Assets per employee ($millions) | 3.5292% | 4,664 |
| Cash dividends to net income (ytd only)* | 2.9126% | 4,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3842% | 1,825 |
| Loan loss allowance to noncurrent loans | 548.1481% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.1530% | 4,370 |
| Noncurrent loans to loans | 0.2525% | 3,879 |
| Net loans and leases to total assets | 59.7529% | 3,853 |
| Net loans and leases to deposits | 70.2699% | 3,844 |
| Net loans and leases to core deposits | 78.0574% | 3,579 |
| Total domestic deposits to total assets | 85.0334% | 2,827 |
| Equity capital to assets | 14.4622% | 790 |
| Core capital (leverage) ratio | 14.9739% | 626 |
| Tier 1 risk-based capital ratio | 20.9730% | 1,150 |
| Total risk-based capital ratio | 22.1893% | 1,135 |
| Memoranda: | ||
| Average total assets | $16,894,800 | 5,629 |
| Average earning assets | $16,258,800 | 5,613 |
| Average equity | $2,515,400 | 5,570 |
| Average total loans | $9,548,800 | 5,547 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4741% | 1,714 |
| Cost of funding earning assets | 0.3302% | 3,842 |
| Net interest margin | 4.1439% | 1,291 |
| Noninterest income to average assets | 0.3352% | 4,135 |
| Noninterest expense to average assets | 3.2880% | 1,380 |
| Loan and lease loss provision to assets | 0.0399% | 3,313 |
| Net operating income to assets | 0.8699% | 3,177 |
| Return on assets (ROA) | 0.8699% | 3,222 |
| Pretax return on assets | 1.0135% | 3,630 |
| Return on Equity (ROE) | 5.7987% | 4,211 |
| Retained earnings to average equity (ytd only) | 5.7987% | 2,380 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7353% | 1,629 |
| Assets per employee ($millions) | 3.2974% | 4,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5071% | 1,511 |
| Loan loss allowance to noncurrent loans | 129.8246% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 0.6915% | 2,435 |
| Noncurrent loans to loans | 1.1609% | 1,653 |
| Net loans and leases to total assets | 58.6644% | 3,999 |
| Net loans and leases to deposits | 70.4494% | 3,925 |
| Net loans and leases to core deposits | 79.0713% | 3,530 |
| Total domestic deposits to total assets | 83.2717% | 3,368 |
| Equity capital to assets | 15.5395% | 622 |
| Core capital (leverage) ratio | 15.8982% | 507 |
| Tier 1 risk-based capital ratio | 23.0499% | 941 |
| Total risk-based capital ratio | 24.3005% | 927 |
| Memoranda: | ||
| Average total assets | $16,707,000 | 5,696 |
| Average earning assets | $16,152,000 | 5,679 |
| Average equity | $2,506,250 | 5,634 |
| Average total loans | $9,263,000 | 5,616 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3427% | 1,991 |
| Cost of funding earning assets | 0.3199% | 3,878 |
| Net interest margin | 4.0228% | 1,541 |
| Noninterest income to average assets | 0.3218% | 4,253 |
| Noninterest expense to average assets | 3.1942% | 1,595 |
| Loan and lease loss provision to assets | 0.0596% | 2,777 |
| Net operating income to assets | 0.8224% | 3,284 |
| Return on assets (ROA) | 0.8224% | 3,342 |
| Pretax return on assets | 0.9654% | 3,704 |
| Return on Equity (ROE) | 5.5474% | 4,246 |
| Retained earnings to average equity (ytd only) | 5.5474% | 2,381 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7062% | 1,770 |
| Assets per employee ($millions) | 3.3350% | 4,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5519% | 1,391 |
| Loan loss allowance to noncurrent loans | 1,345.4545% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.0660% | 4,939 |
| Noncurrent loans to loans | 0.1153% | 4,658 |
| Net loans and leases to total assets | 56.3058% | 4,195 |
| Net loans and leases to deposits | 67.0595% | 4,136 |
| Net loans and leases to core deposits | 76.6199% | 3,717 |
| Total domestic deposits to total assets | 83.9640% | 3,211 |
| Equity capital to assets | 15.1184% | 687 |
| Core capital (leverage) ratio | 15.7720% | 506 |
| Tier 1 risk-based capital ratio | 23.0776% | 942 |
| Total risk-based capital ratio | 24.3317% | 933 |
| Memoranda: | ||
| Average total assets | $16,780,330 | 5,743 |
| Average earning assets | $16,257,330 | 5,727 |
| Average equity | $2,487,670 | 5,683 |
| Average total loans | $9,077,330 | 5,670 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3569% | 1,797 |
| Cost of funding earning assets | 0.3182% | 3,869 |
| Net interest margin | 4.0387% | 1,374 |
| Noninterest income to average assets | 0.2614% | 4,665 |
| Noninterest expense to average assets | 3.0179% | 2,119 |
| Loan and lease loss provision to assets | 0.1188% | 1,608 |
| Net operating income to assets | 0.9030% | 2,746 |
| Return on assets (ROA) | 0.9030% | 2,804 |
| Pretax return on assets | 1.0456% | 3,179 |
| Return on Equity (ROE) | 6.1514% | 3,829 |
| Retained earnings to average equity (ytd only) | 6.1514% | 2,252 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1591% | 2,543 |
| Assets per employee ($millions) | 3.3848% | 4,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6972% | 1,145 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 50.6500% | 4,618 |
| Net loans and leases to deposits | 59.8771% | 4,573 |
| Net loans and leases to core deposits | 68.1995% | 4,277 |
| Total domestic deposits to total assets | 84.5899% | 3,268 |
| Equity capital to assets | 14.7128% | 710 |
| Core capital (leverage) ratio | 15.0426% | 598 |
| Tier 1 risk-based capital ratio | 23.9009% | 881 |
| Total risk-based capital ratio | 25.1488% | 862 |
| Memoranda: | ||
| Average total assets | $16,833,000 | 5,813 |
| Average earning assets | $16,342,000 | 5,794 |
| Average equity | $2,471,000 | 5,746 |
| Average total loans | $8,847,500 | 5,734 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1658% | 2,602 |
| Cost of funding earning assets | 0.3147% | 3,902 |
| Net interest margin | 3.8510% | 2,132 |
| Noninterest income to average assets | 0.3052% | 4,555 |
| Noninterest expense to average assets | 3.6146% | 994 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3351% | 5,128 |
| Return on assets (ROA) | 0.3351% | 5,201 |
| Pretax return on assets | 0.4249% | 5,169 |
| Return on Equity (ROE) | 2.2781% | 5,334 |
| Retained earnings to average equity (ytd only) | 2.1560% | 4,305 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4815% | 590 |
| Assets per employee ($millions) | 3.3484% | 4,980 |
| Cash dividends to net income (ytd only)* | 5.3571% | 4,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5933% | 1,391 |
| Loan loss allowance to noncurrent loans | 136.1905% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 0.6272% | 2,844 |
| Noncurrent loans to loans | 1.1699% | 1,757 |
| Net loans and leases to total assets | 52.7536% | 4,549 |
| Net loans and leases to deposits | 62.6161% | 4,498 |
| Net loans and leases to core deposits | 71.4679% | 4,116 |
| Total domestic deposits to total assets | 84.2492% | 3,335 |
| Equity capital to assets | 14.6458% | 698 |
| Core capital (leverage) ratio | 15.2696% | 569 |
| Tier 1 risk-based capital ratio | 23.0451% | 962 |
| Total risk-based capital ratio | 24.2951% | 947 |
| Memoranda: | ||
| Average total assets | $16,709,800 | 5,871 |
| Average earning assets | $16,203,400 | 5,848 |
| Average equity | $2,458,200 | 5,805 |
| Average total loans | $8,611,400 | 5,795 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2457% | 2,357 |
| Cost of funding earning assets | 0.3215% | 3,850 |
| Net interest margin | 3.9241% | 1,899 |
| Noninterest income to average assets | 0.2954% | 4,653 |
| Noninterest expense to average assets | 3.0256% | 2,242 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9580% | 2,619 |
| Return on assets (ROA) | 0.9580% | 2,759 |
| Pretax return on assets | 1.0698% | 3,354 |
| Return on Equity (ROE) | 6.5047% | 3,839 |
| Retained earnings to average equity (ytd only) | 6.5047% | 1,912 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8791% | 2,306 |
| Assets per employee ($millions) | 3.3230% | 5,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6538% | 1,319 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 51.1827% | 4,719 |
| Net loans and leases to deposits | 61.2151% | 4,674 |
| Net loans and leases to core deposits | 71.4802% | 4,205 |
| Total domestic deposits to total assets | 83.6112% | 3,353 |
| Equity capital to assets | 15.1610% | 698 |
| Core capital (leverage) ratio | 15.8129% | 510 |
| Tier 1 risk-based capital ratio | 24.7689% | 837 |
| Total risk-based capital ratio | 26.0177% | 823 |
| Memoranda: | ||
| Average total assets | $16,701,750 | 5,936 |
| Average earning assets | $16,173,000 | 5,912 |
| Average equity | $2,459,750 | 5,867 |
| Average total loans | $8,520,500 | 5,860 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2432% | 2,355 |
| Cost of funding earning assets | 0.3207% | 3,893 |
| Net interest margin | 3.9225% | 1,908 |
| Noninterest income to average assets | 0.2869% | 4,732 |
| Noninterest expense to average assets | 3.0005% | 2,344 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9683% | 2,534 |
| Return on assets (ROA) | 0.9683% | 2,678 |
| Pretax return on assets | 1.0878% | 3,249 |
| Return on Equity (ROE) | 6.6393% | 3,730 |
| Retained earnings to average equity (ytd only) | 6.6393% | 1,787 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3918% | 2,454 |
| Assets per employee ($millions) | 3.3558% | 4,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6708% | 1,341 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 50.1579% | 4,831 |
| Net loans and leases to deposits | 59.5275% | 4,823 |
| Net loans and leases to core deposits | 67.9093% | 4,482 |
| Total domestic deposits to total assets | 84.2601% | 3,172 |
| Equity capital to assets | 14.7804% | 792 |
| Core capital (leverage) ratio | 15.7801% | 490 |
| Tier 1 risk-based capital ratio | 24.5642% | 847 |
| Total risk-based capital ratio | 25.8122% | 837 |
| Memoranda: | ||
| Average total assets | $16,730,670 | 6,011 |
| Average earning assets | $16,214,330 | 5,987 |
| Average equity | $2,440,000 | 5,943 |
| Average total loans | $8,478,330 | 5,934 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4234% | 1,735 |
| Cost of funding earning assets | 0.3213% | 3,933 |
| Net interest margin | 4.1022% | 1,339 |
| Noninterest income to average assets | 0.2394% | 5,031 |
| Noninterest expense to average assets | 3.0886% | 2,128 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0056% | 2,252 |
| Return on assets (ROA) | 1.0056% | 2,366 |
| Pretax return on assets | 1.1253% | 2,990 |
| Return on Equity (ROE) | 6.9421% | 3,486 |
| Retained earnings to average equity (ytd only) | 6.9421% | 1,910 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2955% | 2,592 |
| Assets per employee ($millions) | 3.2982% | 5,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7384% | 1,270 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 49.0146% | 4,887 |
| Net loans and leases to deposits | 58.0342% | 4,853 |
| Net loans and leases to core deposits | 66.3465% | 4,515 |
| Total domestic deposits to total assets | 84.4582% | 3,330 |
| Equity capital to assets | 14.8020% | 741 |
| Core capital (leverage) ratio | 15.3454% | 552 |
| Tier 1 risk-based capital ratio | 24.9438% | 821 |
| Total risk-based capital ratio | 26.1905% | 807 |
| Memoranda: | ||
| Average total assets | $16,706,500 | 6,073 |
| Average earning assets | $16,186,500 | 6,051 |
| Average equity | $2,420,000 | 6,002 |
| Average total loans | $8,438,000 | 5,995 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0787% | 3,008 |
| Cost of funding earning assets | 0.3137% | 4,093 |
| Net interest margin | 3.7650% | 2,503 |
| Noninterest income to average assets | 0.3228% | 4,590 |
| Noninterest expense to average assets | 3.4009% | 1,485 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4722% | 4,804 |
| Return on assets (ROA) | 0.4722% | 4,885 |
| Pretax return on assets | 0.5798% | 4,902 |
| Return on Equity (ROE) | 3.3249% | 5,194 |
| Retained earnings to average equity (ytd only) | 3.1987% | 3,783 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4354% | 1,050 |
| Assets per employee ($millions) | 3.3844% | 5,009 |
| Cash dividends to net income (ytd only)* | 3.7975% | 4,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6532% | 1,463 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 50.2718% | 4,843 |
| Net loans and leases to deposits | 60.7252% | 4,720 |
| Net loans and leases to core deposits | 72.3077% | 4,105 |
| Total domestic deposits to total assets | 82.7857% | 3,912 |
| Equity capital to assets | 14.1768% | 873 |
| Core capital (leverage) ratio | 14.2349% | 769 |
| Tier 1 risk-based capital ratio | 23.0010% | 1,011 |
| Total risk-based capital ratio | 24.2570% | 1,000 |
| Memoranda: | ||
| Average total assets | $16,731,000 | 6,131 |
| Average earning assets | $16,255,000 | 6,106 |
| Average equity | $2,376,000 | 6,062 |
| Average total loans | $8,439,600 | 6,048 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0962% | 2,959 |
| Cost of funding earning assets | 0.3126% | 4,192 |
| Net interest margin | 3.7837% | 2,448 |
| Noninterest income to average assets | 0.3436% | 4,474 |
| Noninterest expense to average assets | 3.1568% | 2,068 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7832% | 3,506 |
| Return on assets (ROA) | 0.7832% | 3,594 |
| Pretax return on assets | 0.8631% | 4,123 |
| Return on Equity (ROE) | 5.5125% | 4,401 |
| Retained earnings to average equity (ytd only) | 5.5125% | 2,568 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5288% | 1,886 |
| Assets per employee ($millions) | 3.3984% | 4,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7300% | 1,405 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 47.8048% | 5,096 |
| Net loans and leases to deposits | 56.5472% | 5,096 |
| Net loans and leases to core deposits | 68.3985% | 4,510 |
| Total domestic deposits to total assets | 84.5398% | 3,202 |
| Equity capital to assets | 14.2420% | 932 |
| Core capital (leverage) ratio | 14.6596% | 704 |
| Tier 1 risk-based capital ratio | 24.1927% | 930 |
| Total risk-based capital ratio | 25.4424% | 915 |
| Memoranda: | ||
| Average total assets | $16,683,250 | 6,217 |
| Average earning assets | $16,209,500 | 6,191 |
| Average equity | $2,370,250 | 6,148 |
| Average total loans | $8,387,000 | 6,133 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0882% | 2,939 |
| Cost of funding earning assets | 0.3231% | 4,118 |
| Net interest margin | 3.7651% | 2,458 |
| Noninterest income to average assets | 0.3860% | 4,183 |
| Noninterest expense to average assets | 3.1966% | 1,993 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7599% | 3,592 |
| Return on assets (ROA) | 0.7599% | 3,693 |
| Pretax return on assets | 0.8444% | 4,144 |
| Return on Equity (ROE) | 5.3533% | 4,453 |
| Retained earnings to average equity (ytd only) | 5.3533% | 2,638 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1045% | 1,898 |
| Assets per employee ($millions) | 2.8545% | 5,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7291% | 1,542 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 47.4514% | 5,148 |
| Net loans and leases to deposits | 55.7522% | 5,134 |
| Net loans and leases to core deposits | 62.3427% | 4,920 |
| Total domestic deposits to total assets | 85.1112% | 3,079 |
| Equity capital to assets | 13.9312% | 1,000 |
| Core capital (leverage) ratio | 15.0101% | 611 |
| Tier 1 risk-based capital ratio | 23.7958% | 980 |
| Total risk-based capital ratio | 25.0524% | 963 |
| Memoranda: | ||
| Average total assets | $16,580,330 | 6,294 |
| Average earning assets | $16,095,000 | 6,267 |
| Average equity | $2,353,670 | 6,220 |
| Average total loans | $8,427,330 | 6,204 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1652% | 2,581 |
| Cost of funding earning assets | 0.3534% | 3,821 |
| Net interest margin | 3.8118% | 2,195 |
| Noninterest income to average assets | 0.3679% | 4,270 |
| Noninterest expense to average assets | 3.2869% | 1,751 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7114% | 3,742 |
| Return on assets (ROA) | 0.7114% | 3,869 |
| Pretax return on assets | 0.7849% | 4,296 |
| Return on Equity (ROE) | 4.9626% | 4,547 |
| Retained earnings to average equity (ytd only) | 4.9626% | 3,074 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7229% | 1,795 |
| Assets per employee ($millions) | 2.8245% | 5,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7718% | 1,557 |
| 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 | 46.7811% | 5,136 |
| Net loans and leases to deposits | 54.7854% | 5,143 |
| Net loans and leases to core deposits | 63.7658% | 4,717 |
| Total domestic deposits to total assets | 85.3897% | 3,226 |
| Equity capital to assets | 13.8786% | 1,021 |
| Core capital (leverage) ratio | 15.0644% | 599 |
| Tier 1 risk-based capital ratio | 24.4643% | 943 |
| Total risk-based capital ratio | 25.7125% | 924 |
| Memoranda: | ||
| Average total assets | $16,307,000 | 6,365 |
| Average earning assets | $15,845,500 | 6,339 |
| Average equity | $2,337,500 | 6,289 |
| Average total loans | $8,506,000 | 6,268 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3969% | 2,235 |
| Cost of funding earning assets | 0.3917% | 3,771 |
| Net interest margin | 4.0052% | 1,882 |
| Noninterest income to average assets | 0.3307% | 4,749 |
| Noninterest expense to average assets | 3.7541% | 1,057 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3372% | 5,418 |
| Return on assets (ROA) | 0.3372% | 5,486 |
| Pretax return on assets | 0.4214% | 5,436 |
| Return on Equity (ROE) | 2.2398% | 5,708 |
| Retained earnings to average equity (ytd only) | 2.1106% | 4,725 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9068% | 845 |
| Assets per employee ($millions) | 2.6112% | 6,096 |
| Cash dividends to net income (ytd only)* | 5.7692% | 4,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5994% | 2,091 |
| 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 | 56.1563% | 4,314 |
| Net loans and leases to deposits | 66.5004% | 4,271 |
| Net loans and leases to core deposits | 79.3113% | 3,374 |
| Total domestic deposits to total assets | 84.4450% | 3,536 |
| Equity capital to assets | 14.8273% | 731 |
| Core capital (leverage) ratio | 15.3882% | 549 |
| Tier 1 risk-based capital ratio | 22.4141% | 1,162 |
| Total risk-based capital ratio | 23.6685% | 1,147 |
| Memoranda: | ||
| Average total assets | $15,423,200 | 6,463 |
| Average earning assets | $14,805,800 | 6,438 |
| Average equity | $2,321,600 | 6,372 |
| Average total loans | $8,285,000 | 6,359 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3810% | 2,287 |
| Cost of funding earning assets | 0.3991% | 3,792 |
| Net interest margin | 3.9820% | 1,931 |
| Noninterest income to average assets | 0.3211% | 4,865 |
| Noninterest expense to average assets | 3.2459% | 2,038 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8072% | 3,403 |
| Return on assets (ROA) | 0.8072% | 3,495 |
| Pretax return on assets | 0.8853% | 4,058 |
| Return on Equity (ROE) | 5.3419% | 4,555 |
| Retained earnings to average equity (ytd only) | 5.3419% | 2,856 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5714% | 2,101 |
| Assets per employee ($millions) | 2.5460% | 6,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7210% | 1,908 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 53.4564% | 4,641 |
| Net loans and leases to deposits | 64.3397% | 4,501 |
| Net loans and leases to core deposits | 73.8737% | 3,954 |
| Total domestic deposits to total assets | 83.0846% | 4,112 |
| Equity capital to assets | 15.5014% | 638 |
| Core capital (leverage) ratio | 16.0119% | 480 |
| Tier 1 risk-based capital ratio | 24.5033% | 934 |
| Total risk-based capital ratio | 25.7554% | 919 |
| Memoranda: | ||
| Average total assets | $15,362,250 | 6,543 |
| Average earning assets | $14,699,250 | 6,518 |
| Average equity | $2,321,250 | 6,443 |
| Average total loans | $8,121,000 | 6,437 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3480% | 2,391 |
| Cost of funding earning assets | 0.3940% | 3,930 |
| Net interest margin | 3.9540% | 1,949 |
| Noninterest income to average assets | 0.2989% | 5,017 |
| Noninterest expense to average assets | 3.2097% | 2,159 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7927% | 3,368 |
| Return on assets (ROA) | 0.7927% | 3,466 |
| Pretax return on assets | 0.8706% | 3,995 |
| Return on Equity (ROE) | 5.2913% | 4,534 |
| Retained earnings to average equity (ytd only) | 5.2913% | 2,768 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6624% | 2,208 |
| Assets per employee ($millions) | 3.1084% | 5,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8242% | 1,780 |
| 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 | 49.5174% | 5,013 |
| Net loans and leases to deposits | 59.0365% | 4,948 |
| Net loans and leases to core deposits | 67.5265% | 4,506 |
| Total domestic deposits to total assets | 83.8759% | 3,967 |
| Equity capital to assets | 15.0238% | 693 |
| Core capital (leverage) ratio | 15.8790% | 494 |
| Tier 1 risk-based capital ratio | 25.1535% | 854 |
| Total risk-based capital ratio | 26.3923% | 844 |
| Memoranda: | ||
| Average total assets | $15,391,000 | 6,608 |
| Average earning assets | $14,719,330 | 6,588 |
| Average equity | $2,305,670 | 6,505 |
| Average total loans | $8,058,330 | 6,504 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5264% | 1,714 |
| Cost of funding earning assets | 0.4115% | 3,839 |
| Net interest margin | 4.1149% | 1,420 |
| Noninterest income to average assets | 0.3656% | 4,462 |
| Noninterest expense to average assets | 3.3169% | 1,907 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8880% | 2,714 |
| Return on assets (ROA) | 0.8880% | 2,778 |
| Pretax return on assets | 0.9663% | 3,458 |
| Return on Equity (ROE) | 5.9363% | 4,056 |
| Retained earnings to average equity (ytd only) | 5.9363% | 2,577 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4390% | 2,565 |
| Assets per employee ($millions) | 2.5775% | 6,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8129% | 1,997 |
| Loan loss allowance to noncurrent loans | 47.8261% | 5,277 |
| Noncurrent assets plus other real estate owned to assets | 1.9334% | 1,780 |
| Noncurrent loans to loans | 3.7906% | 739 |
| Net loans and leases to total assets | 50.0808% | 4,899 |
| Net loans and leases to deposits | 59.4352% | 4,812 |
| Net loans and leases to core deposits | 67.9863% | 4,311 |
| Total domestic deposits to total assets | 84.2612% | 4,180 |
| Equity capital to assets | 14.9240% | 693 |
| Core capital (leverage) ratio | 15.7360% | 510 |
| Tier 1 risk-based capital ratio | 24.9298% | 896 |
| Total risk-based capital ratio | 26.1828% | 881 |
| Memoranda: | ||
| Average total assets | $15,315,500 | 6,681 |
| Average earning assets | $14,581,000 | 6,663 |
| Average equity | $2,291,000 | 6,568 |
| Average total loans | $8,168,000 | 6,570 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3644% | 2,715 |
| Cost of funding earning assets | 0.4782% | 3,836 |
| Net interest margin | 3.8862% | 2,344 |
| Noninterest income to average assets | 0.3801% | 4,594 |
| Noninterest expense to average assets | 3.6080% | 1,429 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4059% | 5,126 |
| Return on assets (ROA) | 0.4059% | 5,237 |
| Pretax return on assets | 0.4897% | 5,231 |
| Return on Equity (ROE) | 2.7935% | 5,584 |
| Retained earnings to average equity (ytd only) | 2.6605% | 4,352 |
| Net charge-offs to loans | -0.1658% | 6,590 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0503% | 1,213 |
| Assets per employee ($millions) | 2.5277% | 6,381 |
| Cash dividends to net income (ytd only)* | 4.7619% | 4,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6927% | 2,424 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 54.7606% | 4,492 |
| Net loans and leases to deposits | 64.8170% | 4,433 |
| Net loans and leases to core deposits | 74.3177% | 3,809 |
| Total domestic deposits to total assets | 84.4850% | 3,971 |
| Equity capital to assets | 14.9941% | 671 |
| Core capital (leverage) ratio | 15.4305% | 552 |
| Tier 1 risk-based capital ratio | 23.1615% | 1,070 |
| Total risk-based capital ratio | 24.4143% | 1,051 |
| Memoranda: | ||
| Average total assets | $15,521,000 | 6,757 |
| Average earning assets | $14,847,400 | 6,742 |
| Average equity | $2,255,200 | 6,656 |
| Average total loans | $7,838,600 | 6,658 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2896% | 3,040 |
| Cost of funding earning assets | 0.4994% | 3,770 |
| Net interest margin | 3.7901% | 2,678 |
| Noninterest income to average assets | 0.3759% | 4,701 |
| Noninterest expense to average assets | 3.2372% | 2,239 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7004% | 3,860 |
| Return on assets (ROA) | 0.7004% | 3,996 |
| Pretax return on assets | 0.7688% | 4,425 |
| Return on Equity (ROE) | 4.8580% | 4,793 |
| Retained earnings to average equity (ytd only) | 4.8580% | 3,185 |
| Net charge-offs to loans | -0.2255% | 6,673 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8102% | 1,996 |
| Assets per employee ($millions) | 2.6227% | 6,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8189% | 2,241 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 49.0531% | 5,244 |
| Net loans and leases to deposits | 58.2874% | 5,158 |
| Net loans and leases to core deposits | 65.1337% | 4,789 |
| Total domestic deposits to total assets | 84.1573% | 4,130 |
| Equity capital to assets | 14.5844% | 795 |
| Core capital (leverage) ratio | 15.4827% | 565 |
| Tier 1 risk-based capital ratio | 24.8028% | 895 |
| Total risk-based capital ratio | 26.0564% | 879 |
| Memoranda: | ||
| Average total assets | $15,609,750 | 6,835 |
| Average earning assets | $14,950,750 | 6,815 |
| Average equity | $2,250,500 | 6,736 |
| Average total loans | $7,686,250 | 6,738 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2393% | 3,189 |
| Cost of funding earning assets | 0.5232% | 3,674 |
| Net interest margin | 3.7161% | 2,893 |
| Noninterest income to average assets | 0.4111% | 4,439 |
| Noninterest expense to average assets | 3.3017% | 2,065 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5910% | 4,335 |
| Return on assets (ROA) | 0.5910% | 4,522 |
| Pretax return on assets | 0.6681% | 4,786 |
| Return on Equity (ROE) | 4.1151% | 5,173 |
| Retained earnings to average equity (ytd only) | 4.1151% | 3,674 |
| Net charge-offs to loans | -0.3409% | 6,777 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1715% | 1,736 |
| Assets per employee ($millions) | 2.5452% | 6,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0388% | 1,770 |
| Loan loss allowance to noncurrent loans | 100.7042% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 0.9299% | 3,924 |
| Noncurrent loans to loans | 2.0245% | 2,374 |
| Net loans and leases to total assets | 44.9938% | 5,640 |
| Net loans and leases to deposits | 53.4583% | 5,561 |
| Net loans and leases to core deposits | 61.2771% | 5,157 |
| Total domestic deposits to total assets | 84.1661% | 4,256 |
| Equity capital to assets | 14.7993% | 755 |
| Core capital (leverage) ratio | 15.5166% | 520 |
| Tier 1 risk-based capital ratio | 26.8027% | 710 |
| Total risk-based capital ratio | 28.0598% | 697 |
| Memoranda: | ||
| Average total assets | $15,567,670 | 6,884 |
| Average earning assets | $14,908,000 | 6,868 |
| Average equity | $2,235,670 | 6,787 |
| Average total loans | $7,627,670 | 6,787 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2315% | 3,180 |
| Cost of funding earning assets | 0.5323% | 3,751 |
| Net interest margin | 3.6993% | 2,853 |
| Noninterest income to average assets | 0.3563% | 4,819 |
| Noninterest expense to average assets | 3.2833% | 2,122 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5345% | 4,520 |
| Return on assets (ROA) | 0.5345% | 4,664 |
| Pretax return on assets | 0.6108% | 4,909 |
| Return on Equity (ROE) | 3.7778% | 5,205 |
| Retained earnings to average equity (ytd only) | 3.7778% | 3,970 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3137% | 1,721 |
| Assets per employee ($millions) | 2.5923% | 6,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6766% | 3,107 |
| Loan loss allowance to noncurrent loans | 200.0000% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.4179% | 5,351 |
| Noncurrent loans to loans | 0.8383% | 4,445 |
| Net loans and leases to total assets | 49.0163% | 5,110 |
| Net loans and leases to deposits | 57.7401% | 5,070 |
| Net loans and leases to core deposits | 66.4980% | 4,467 |
| Total domestic deposits to total assets | 84.8913% | 4,092 |
| Equity capital to assets | 14.3629% | 914 |
| Core capital (leverage) ratio | 14.8261% | 616 |
| Tier 1 risk-based capital ratio | 24.2879% | 983 |
| Total risk-based capital ratio | 25.5382% | 963 |
| Memoranda: | ||
| Average total assets | $15,716,000 | 6,957 |
| Average earning assets | $15,030,000 | 6,938 |
| Average equity | $2,223,500 | 6,854 |
| Average total loans | $7,934,500 | 6,849 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6008% | 3,002 |
| Cost of funding earning assets | 0.6801% | 3,651 |
| Net interest margin | 3.9207% | 2,740 |
| Noninterest income to average assets | 0.3257% | 5,127 |
| Noninterest expense to average assets | 3.7359% | 1,347 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3065% | 5,447 |
| Return on assets (ROA) | 0.3065% | 5,650 |
| Pretax return on assets | 0.3448% | 5,729 |
| Return on Equity (ROE) | 2.1686% | 5,853 |
| Retained earnings to average equity (ytd only) | 2.0331% | 4,797 |
| Net charge-offs to loans | -0.0884% | 6,803 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5493% | 953 |
| Assets per employee ($millions) | 2.6463% | 6,486 |
| Cash dividends to net income (ytd only)* | 6.2500% | 4,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6020% | 3,304 |
| Loan loss allowance to noncurrent loans | 619.0476% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.1323% | 6,237 |
| Noncurrent loans to loans | 0.2588% | 5,837 |
| Net loans and leases to total assets | 50.2897% | 5,128 |
| Net loans and leases to deposits | 58.7478% | 5,158 |
| Net loans and leases to core deposits | 67.3669% | 4,605 |
| Total domestic deposits to total assets | 85.6027% | 3,556 |
| Equity capital to assets | 13.9375% | 1,075 |
| Core capital (leverage) ratio | 14.4925% | 673 |
| Tier 1 risk-based capital ratio | 22.9994% | 1,117 |
| Total risk-based capital ratio | 24.2465% | 1,096 |
| Memoranda: | ||
| Average total assets | $15,659,000 | 7,015 |
| Average earning assets | $14,997,400 | 6,990 |
| Average equity | $2,213,400 | 6,925 |
| Average total loans | $7,922,600 | 6,916 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6258% | 3,111 |
| Cost of funding earning assets | 0.7041% | 3,728 |
| Net interest margin | 3.9217% | 2,834 |
| Noninterest income to average assets | 0.3332% | 5,137 |
| Noninterest expense to average assets | 3.2555% | 2,405 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7775% | 3,559 |
| Return on assets (ROA) | 0.7775% | 3,811 |
| Pretax return on assets | 0.8373% | 4,348 |
| Return on Equity (ROE) | 5.4814% | 4,608 |
| Retained earnings to average equity (ytd only) | 5.4814% | 3,050 |
| Net charge-offs to loans | -0.1185% | 6,890 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5407% | 2,164 |
| Assets per employee ($millions) | 2.6528% | 6,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7306% | 3,041 |
| Loan loss allowance to noncurrent loans | 64.3564% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 1.2691% | 3,756 |
| Noncurrent loans to loans | 2.6890% | 2,109 |
| Net loans and leases to total assets | 46.3781% | 5,726 |
| Net loans and leases to deposits | 54.7911% | 5,736 |
| Net loans and leases to core deposits | 65.4433% | 5,006 |
| Total domestic deposits to total assets | 84.6453% | 3,916 |
| Equity capital to assets | 14.1987% | 1,077 |
| Core capital (leverage) ratio | 14.6430% | 678 |
| Tier 1 risk-based capital ratio | 25.3705% | 879 |
| Total risk-based capital ratio | 26.6165% | 867 |
| Memoranda: | ||
| Average total assets | $15,604,250 | 7,109 |
| Average earning assets | $14,959,250 | 7,087 |
| Average equity | $2,213,500 | 7,017 |
| Average total loans | $7,874,500 | 7,013 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7058% | 2,888 |
| Cost of funding earning assets | 0.7281% | 3,785 |
| Net interest margin | 3.9777% | 2,602 |
| Noninterest income to average assets | 0.3484% | 5,051 |
| Noninterest expense to average assets | 3.3290% | 2,222 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7742% | 3,495 |
| Return on assets (ROA) | 0.7742% | 3,768 |
| Pretax return on assets | 0.8258% | 4,380 |
| Return on Equity (ROE) | 5.4595% | 4,602 |
| Retained earnings to average equity (ytd only) | 5.4595% | 3,013 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1242% | 2,151 |
| Assets per employee ($millions) | 2.6807% | 6,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6057% | 3,584 |
| Loan loss allowance to noncurrent loans | 52.7897% | 4,963 |
| Noncurrent assets plus other real estate owned to assets | 1.4486% | 3,538 |
| Noncurrent loans to loans | 3.0418% | 1,937 |
| Net loans and leases to total assets | 46.8602% | 5,738 |
| Net loans and leases to deposits | 54.9865% | 5,772 |
| Net loans and leases to core deposits | 65.4594% | 5,058 |
| Total domestic deposits to total assets | 85.2213% | 3,759 |
| Equity capital to assets | 13.8523% | 1,163 |
| Core capital (leverage) ratio | 14.3547% | 724 |
| Tier 1 risk-based capital ratio | 24.4459% | 963 |
| Total risk-based capital ratio | 25.6967% | 946 |
| Memoranda: | ||
| Average total assets | $15,500,000 | 7,172 |
| Average earning assets | $14,832,670 | 7,149 |
| Average equity | $2,198,000 | 7,064 |
| Average total loans | $7,995,330 | 7,070 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9468% | 2,070 |
| Cost of funding earning assets | 0.7695% | 3,701 |
| Net interest margin | 4.1773% | 1,825 |
| Noninterest income to average assets | 0.2893% | 5,556 |
| Noninterest expense to average assets | 3.4982% | 1,767 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7365% | 3,704 |
| Return on assets (ROA) | 0.7365% | 3,938 |
| Pretax return on assets | 0.7891% | 4,458 |
| Return on Equity (ROE) | 5.1306% | 4,724 |
| Retained earnings to average equity (ytd only) | 5.1306% | 3,481 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5951% | 1,988 |
| Assets per employee ($millions) | 2.6358% | 6,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5574% | 3,904 |
| Loan loss allowance to noncurrent loans | 47.6744% | 5,203 |
| Noncurrent assets plus other real estate owned to assets | 1.6314% | 3,406 |
| Noncurrent loans to loans | 3.2666% | 1,959 |
| Net loans and leases to total assets | 49.1622% | 5,411 |
| Net loans and leases to deposits | 57.5713% | 5,429 |
| Net loans and leases to core deposits | 67.2462% | 4,769 |
| Total domestic deposits to total assets | 85.3936% | 3,838 |
| Equity capital to assets | 13.8919% | 1,056 |
| Core capital (leverage) ratio | 14.6447% | 665 |
| Tier 1 risk-based capital ratio | 23.6338% | 1,052 |
| Total risk-based capital ratio | 24.8817% | 1,034 |
| Memoranda: | ||
| Average total assets | $15,208,000 | 7,240 |
| Average earning assets | $14,555,000 | 7,215 |
| Average equity | $2,183,000 | 7,120 |
| Average total loans | $8,163,000 | 7,129 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2732% | 1,796 |
| Cost of funding earning assets | 0.9905% | 3,446 |
| Net interest margin | 4.2827% | 1,760 |
| Noninterest income to average assets | 0.3696% | 4,861 |
| Noninterest expense to average assets | 3.6334% | 1,679 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6416% | 3,779 |
| Return on assets (ROA) | 0.6416% | 3,969 |
| Pretax return on assets | 0.8369% | 3,839 |
| Return on Equity (ROE) | 4.2815% | 4,727 |
| Retained earnings to average equity (ytd only) | 4.1418% | 3,233 |
| Net charge-offs to loans | 0.1504% | 4,937 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,898 |
| Efficiency ratio | 81.2793% | 2,121 |
| Assets per employee ($millions) | 2.9202% | 6,252 |
| Cash dividends to net income (ytd only)* | 3.2609% | 4,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4594% | 4,198 |
| 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 | 56.8797% | 4,563 |
| Net loans and leases to deposits | 67.2306% | 4,550 |
| Net loans and leases to core deposits | 79.7791% | 3,471 |
| Total domestic deposits to total assets | 84.6038% | 4,042 |
| Equity capital to assets | 14.8551% | 814 |
| Core capital (leverage) ratio | 15.0562% | 594 |
| Tier 1 risk-based capital ratio | 22.5961% | 1,147 |
| Total risk-based capital ratio | 23.8462% | 1,127 |
| Memoranda: | ||
| Average total assets | $14,339,000 | 7,294 |
| Average earning assets | $13,729,800 | 7,268 |
| Average equity | $2,148,800 | 7,190 |
| Average total loans | $7,977,600 | 7,184 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2967% | 1,870 |
| Cost of funding earning assets | 1.0126% | 3,592 |
| Net interest margin | 4.2841% | 1,779 |
| Noninterest income to average assets | 0.3550% | 5,017 |
| Noninterest expense to average assets | 3.1106% | 3,116 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.2891% | 1,405 |
| Return on assets (ROA) | 1.2891% | 1,505 |
| Pretax return on assets | 1.3545% | 2,102 |
| Return on Equity (ROE) | 8.5831% | 2,788 |
| Retained earnings to average equity (ytd only) | 8.5831% | 1,287 |
| Net charge-offs to loans | 0.2203% | 4,057 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 11.1558% | 1,836 |
| Efficiency ratio | 69.6653% | 4,009 |
| Assets per employee ($millions) | 2.9152% | 6,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5532% | 3,873 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 53.0530% | 5,312 |
| Net loans and leases to deposits | 63.3956% | 5,248 |
| Net loans and leases to core deposits | 75.4071% | 4,263 |
| Total domestic deposits to total assets | 83.6855% | 4,382 |
| Equity capital to assets | 15.2099% | 792 |
| Core capital (leverage) ratio | 15.5067% | 575 |
| Tier 1 risk-based capital ratio | 24.5406% | 955 |
| Total risk-based capital ratio | 25.7915% | 938 |
| Memoranda: | ||
| Average total assets | $14,273,500 | 7,372 |
| Average earning assets | $13,693,750 | 7,344 |
| Average equity | $2,143,750 | 7,263 |
| Average total loans | $7,865,000 | 7,262 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3142% | 1,841 |
| Cost of funding earning assets | 1.0423% | 3,654 |
| Net interest margin | 4.2719% | 1,758 |
| Noninterest income to average assets | 0.3246% | 5,297 |
| Noninterest expense to average assets | 3.2316% | 2,800 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1289% | 1,790 |
| Return on assets (ROA) | 1.1289% | 1,868 |
| Pretax return on assets | 1.1995% | 2,482 |
| Return on Equity (ROE) | 7.5496% | 3,169 |
| Retained earnings to average equity (ytd only) | 7.5496% | 1,640 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9299% | 3,552 |
| Assets per employee ($millions) | 2.9460% | 6,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7413% | 3,184 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 51.7176% | 5,607 |
| Net loans and leases to deposits | 61.2232% | 5,592 |
| Net loans and leases to core deposits | 74.3147% | 4,538 |
| Total domestic deposits to total assets | 84.4739% | 4,133 |
| Equity capital to assets | 14.6572% | 903 |
| Core capital (leverage) ratio | 15.3961% | 606 |
| Tier 1 risk-based capital ratio | 24.1202% | 992 |
| Total risk-based capital ratio | 25.3715% | 973 |
| Memoranda: | ||
| Average total assets | $14,172,670 | 7,448 |
| Average earning assets | $13,624,000 | 7,417 |
| Average equity | $2,119,330 | 7,328 |
| Average total loans | $7,868,330 | 7,332 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3898% | 1,595 |
| Cost of funding earning assets | 1.1079% | 3,475 |
| Net interest margin | 4.2819% | 1,616 |
| Noninterest income to average assets | 0.3167% | 5,393 |
| Noninterest expense to average assets | 3.2532% | 2,697 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1228% | 1,759 |
| Return on assets (ROA) | 1.1228% | 1,806 |
| Pretax return on assets | 1.1804% | 2,449 |
| Return on Equity (ROE) | 7.4303% | 3,184 |
| Retained earnings to average equity (ytd only) | 7.4303% | 1,971 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3766% | 3,626 |
| Assets per employee ($millions) | 2.8470% | 6,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7288% | 3,247 |
| 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 | 53.9094% | 5,316 |
| Net loans and leases to deposits | 63.8117% | 5,276 |
| Net loans and leases to core deposits | 75.3683% | 4,373 |
| Total domestic deposits to total assets | 84.4819% | 4,279 |
| Equity capital to assets | 14.8858% | 789 |
| Core capital (leverage) ratio | 15.3595% | 595 |
| Tier 1 risk-based capital ratio | 23.8465% | 988 |
| Total risk-based capital ratio | 25.0957% | 969 |
| Memoranda: | ||
| Average total assets | $13,894,000 | 7,508 |
| Average earning assets | $13,358,500 | 7,481 |
| Average equity | $2,099,500 | 7,381 |
| Average total loans | $7,926,000 | 7,387 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8261% | 1,208 |
| Cost of funding earning assets | 1.3511% | 3,568 |
| Net interest margin | 4.4750% | 1,286 |
| Noninterest income to average assets | 0.3802% | 5,059 |
| Noninterest expense to average assets | 4.2270% | 877 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.3802% | 4,636 |
| Return on assets (ROA) | 0.3802% | 4,782 |
| Pretax return on assets | 0.4249% | 4,867 |
| Return on Equity (ROE) | 2.4442% | 5,209 |
| Retained earnings to average equity (ytd only) | 2.3004% | 4,270 |
| Net charge-offs to loans | -0.1880% | 7,540 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8654% | 1,250 |
| Assets per employee ($millions) | 2.7106% | 6,667 |
| Cash dividends to net income (ytd only)* | 5.8824% | 3,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6785% | 3,298 |
| Loan loss allowance to noncurrent loans | 13,500.0000% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0074% | 7,240 |
| Noncurrent loans to loans | 0.0124% | 7,126 |
| Net loans and leases to total assets | 58.3487% | 4,975 |
| Net loans and leases to deposits | 69.2651% | 4,916 |
| Net loans and leases to core deposits | 82.6678% | 3,796 |
| Total domestic deposits to total assets | 84.2397% | 4,254 |
| Equity capital to assets | 15.3472% | 711 |
| Core capital (leverage) ratio | 15.2448% | 625 |
| Tier 1 risk-based capital ratio | 23.2013% | 1,013 |
| Total risk-based capital ratio | 24.4506% | 993 |
| Memoranda: | ||
| Average total assets | $13,413,800 | 7,592 |
| Average earning assets | $12,804,400 | 7,567 |
| Average equity | $2,086,600 | 7,491 |
| Average total loans | $7,977,000 | 7,467 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8953% | 1,144 |
| Cost of funding earning assets | 1.4031% | 3,565 |
| Net interest margin | 4.4922% | 1,274 |
| Noninterest income to average assets | 0.3787% | 5,127 |
| Noninterest expense to average assets | 3.3086% | 2,545 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.2158% | 1,548 |
| Return on assets (ROA) | 1.2158% | 1,628 |
| Pretax return on assets | 1.3453% | 2,047 |
| Return on Equity (ROE) | 7.7893% | 2,990 |
| Retained earnings to average equity (ytd only) | 7.7893% | 1,489 |
| Net charge-offs to loans | -0.2512% | 7,639 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0921% | 3,870 |
| Assets per employee ($millions) | 2.7444% | 6,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7507% | 2,987 |
| 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 | 55.2106% | 5,667 |
| Net loans and leases to deposits | 66.4853% | 5,609 |
| Net loans and leases to core deposits | 79.3797% | 4,606 |
| Total domestic deposits to total assets | 83.0418% | 4,578 |
| Equity capital to assets | 15.6974% | 731 |
| Core capital (leverage) ratio | 16.1675% | 532 |
| Tier 1 risk-based capital ratio | 24.6735% | 879 |
| Total risk-based capital ratio | 25.9221% | 866 |
| Memoranda: | ||
| Average total assets | $13,379,000 | 7,694 |
| Average earning assets | $12,733,000 | 7,667 |
| Average equity | $2,088,250 | 7,585 |
| Average total loans | $7,960,500 | 7,566 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9667% | 1,024 |
| Cost of funding earning assets | 1.4282% | 3,686 |
| Net interest margin | 4.5385% | 1,128 |
| Noninterest income to average assets | 0.3468% | 5,376 |
| Noninterest expense to average assets | 3.4829% | 2,067 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0404% | 2,045 |
| Return on assets (ROA) | 1.0404% | 2,125 |
| Pretax return on assets | 1.1761% | 2,491 |
| Return on Equity (ROE) | 6.6785% | 3,448 |
| Retained earnings to average equity (ytd only) | 6.6785% | 1,984 |
| Net charge-offs to loans | -0.2486% | 7,668 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7573% | 3,313 |
| Assets per employee ($millions) | 2.7400% | 6,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6575% | 3,230 |
| Loan loss allowance to noncurrent loans | 393.9394% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.2409% | 6,795 |
| Noncurrent loans to loans | 0.4208% | 6,402 |
| Net loans and leases to total assets | 56.2993% | 5,657 |
| Net loans and leases to deposits | 67.3037% | 5,647 |
| Net loans and leases to core deposits | 80.2434% | 4,670 |
| Total domestic deposits to total assets | 83.6496% | 4,265 |
| Equity capital to assets | 15.3358% | 814 |
| Core capital (leverage) ratio | 15.8363% | 587 |
| Tier 1 risk-based capital ratio | 23.7777% | 965 |
| Total risk-based capital ratio | 25.0340% | 947 |
| Memoranda: | ||
| Average total assets | $13,264,670 | 7,763 |
| Average earning assets | $12,603,330 | 7,739 |
| Average equity | $2,066,330 | 7,650 |
| Average total loans | $8,043,670 | 7,628 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1429% | 717 |
| Cost of funding earning assets | 1.4872% | 3,639 |
| Net interest margin | 4.6557% | 857 |
| Noninterest income to average assets | 0.3372% | 5,446 |
| Noninterest expense to average assets | 3.5564% | 1,825 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0424% | 2,027 |
| Return on assets (ROA) | 1.0424% | 2,086 |
| Pretax return on assets | 1.1957% | 2,373 |
| Return on Equity (ROE) | 6.6374% | 3,548 |
| Retained earnings to average equity (ytd only) | 6.6374% | 2,305 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8387% | 3,434 |
| Assets per employee ($millions) | 2.6456% | 6,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4650% | 4,101 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 61.0145% | 4,937 |
| Net loans and leases to deposits | 73.0672% | 4,894 |
| Net loans and leases to core deposits | 85.3893% | 3,982 |
| Total domestic deposits to total assets | 83.5047% | 4,383 |
| Equity capital to assets | 15.6184% | 741 |
| Core capital (leverage) ratio | 16.2281% | 547 |
| Tier 1 risk-based capital ratio | 22.9811% | 1,084 |
| Total risk-based capital ratio | 24.2269% | 1,057 |
| Memoranda: | ||
| Average total assets | $13,047,000 | 7,866 |
| Average earning assets | $12,372,000 | 7,842 |
| Average equity | $2,049,000 | 7,742 |
| Average total loans | $8,144,000 | 7,722 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5552% | 599 |
| Cost of funding earning assets | 1.9156% | 3,379 |
| Net interest margin | 4.6396% | 918 |
| Noninterest income to average assets | 0.3924% | 5,274 |
| Noninterest expense to average assets | 4.1072% | 1,217 |
| Loan and lease loss provision to assets | 0.1252% | 6,389 |
| Net operating income to assets | 0.4925% | 3,759 |
| Return on assets (ROA) | 0.4925% | 3,858 |
| Pretax return on assets | 0.5677% | 3,993 |
| Return on Equity (ROE) | 2.9231% | 4,539 |
| Retained earnings to average equity (ytd only) | 2.7745% | 3,219 |
| Net charge-offs to loans | 0.3939% | 4,241 |
| Credit loss provision to net charge-offs | 48.3871% | 6,766 |
| Earnings coverage of net charge-offs (x) | 2.6774% | 3,764 |
| Efficiency ratio | 85.5652% | 2,167 |
| Assets per employee ($millions) | 2.5732% | 7,083 |
| Cash dividends to net income (ytd only)* | 5.0847% | 3,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4820% | 3,822 |
| 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 | 62.0006% | 4,990 |
| Net loans and leases to deposits | 74.1839% | 5,012 |
| Net loans and leases to core deposits | 107.1457% | 3,196 |
| Total domestic deposits to total assets | 83.5769% | 4,246 |
| Equity capital to assets | 15.7936% | 729 |
| Core capital (leverage) ratio | 16.2274% | 582 |
| Tier 1 risk-based capital ratio | 22.9061% | 1,051 |
| Total risk-based capital ratio | 24.1574% | 1,028 |
| Memoranda: | ||
| Average total assets | $11,979,000 | 7,947 |
| Average earning assets | $11,380,200 | 7,924 |
| Average equity | $2,018,400 | 7,840 |
| Average total loans | $7,871,000 | 7,787 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5949% | 619 |
| Cost of funding earning assets | 1.9761% | 3,481 |
| Net interest margin | 4.6188% | 959 |
| Noninterest income to average assets | 0.3969% | 5,309 |
| Noninterest expense to average assets | 3.5835% | 2,064 |
| Loan and lease loss provision to assets | 0.1701% | 5,661 |
| Net operating income to assets | 0.9299% | 2,307 |
| Return on assets (ROA) | 0.9299% | 2,374 |
| Pretax return on assets | 1.0433% | 2,762 |
| Return on Equity (ROE) | 5.4258% | 3,770 |
| Retained earnings to average equity (ytd only) | 5.4258% | 2,239 |
| Net charge-offs to loans | -0.0170% | 7,747 |
| Credit loss provision to net charge-offs | -1,500.0000% | 7,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7045% | 3,738 |
| Assets per employee ($millions) | 2.5208% | 7,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8948% | 2,051 |
| Loan loss allowance to noncurrent loans | 65.8009% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 1.8328% | 3,607 |
| Noncurrent loans to loans | 2.8796% | 2,644 |
| Net loans and leases to total assets | 62.4405% | 5,166 |
| Net loans and leases to deposits | 75.9653% | 5,050 |
| Net loans and leases to core deposits | 104.9193% | 3,833 |
| Total domestic deposits to total assets | 82.1961% | 4,587 |
| Equity capital to assets | 16.3281% | 740 |
| Core capital (leverage) ratio | 17.2088% | 524 |
| Tier 1 risk-based capital ratio | 23.8719% | 1,011 |
| Total risk-based capital ratio | 25.1247% | 989 |
| Memoranda: | ||
| Average total assets | $11,757,250 | 8,033 |
| Average earning assets | $11,200,250 | 8,005 |
| Average equity | $2,015,000 | 7,919 |
| Average total loans | $7,814,500 | 7,868 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7185% | 524 |
| Cost of funding earning assets | 2.0503% | 3,516 |
| Net interest margin | 4.6682% | 846 |
| Noninterest income to average assets | 0.4183% | 5,132 |
| Noninterest expense to average assets | 3.6776% | 1,880 |
| Loan and lease loss provision to assets | 0.2614% | 4,485 |
| Net operating income to assets | 0.8017% | 2,848 |
| Return on assets (ROA) | 0.8017% | 2,943 |
| Pretax return on assets | 0.9237% | 3,262 |
| Return on Equity (ROE) | 4.5985% | 4,258 |
| Retained earnings to average equity (ytd only) | 4.5985% | 2,734 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6272% | 3,757 |
| Assets per employee ($millions) | 2.4102% | 7,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9419% | 1,690 |
| Loan loss allowance to noncurrent loans | 57.4144% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 2.1824% | 2,957 |
| Noncurrent loans to loans | 3.3822% | 2,081 |
| Net loans and leases to total assets | 63.2728% | 5,126 |
| Net loans and leases to deposits | 77.2387% | 4,988 |
| Net loans and leases to core deposits | 103.3758% | 4,138 |
| Total domestic deposits to total assets | 81.9185% | 4,721 |
| Equity capital to assets | 16.7870% | 694 |
| Core capital (leverage) ratio | 17.4412% | 563 |
| Tier 1 risk-based capital ratio | 24.1379% | 1,021 |
| Total risk-based capital ratio | 25.3908% | 1,001 |
| Memoranda: | ||
| Average total assets | $11,475,000 | 8,127 |
| Average earning assets | $10,925,000 | 8,098 |
| Average equity | $2,000,670 | 8,004 |
| Average total loans | $7,745,330 | 7,957 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7873% | 493 |
| Cost of funding earning assets | 2.1374% | 3,480 |
| Net interest margin | 4.6499% | 868 |
| Noninterest income to average assets | 0.3933% | 5,263 |
| Noninterest expense to average assets | 3.7544% | 1,554 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9654% | 2,461 |
| Return on assets (ROA) | 0.9654% | 2,585 |
| Pretax return on assets | 1.0727% | 3,090 |
| Return on Equity (ROE) | 5.4285% | 4,274 |
| Retained earnings to average equity (ytd only) | 5.4285% | 2,887 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7778% | 3,202 |
| Assets per employee ($millions) | 2.2954% | 7,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7548% | 1,969 |
| Loan loss allowance to noncurrent loans | 55.2846% | 4,883 |
| Noncurrent assets plus other real estate owned to assets | 2.1434% | 2,687 |
| Noncurrent loans to loans | 3.1742% | 2,040 |
| Net loans and leases to total assets | 66.3414% | 4,502 |
| Net loans and leases to deposits | 81.4157% | 4,385 |
| Net loans and leases to core deposits | 110.1563% | 3,413 |
| Total domestic deposits to total assets | 81.4847% | 4,751 |
| Equity capital to assets | 17.4610% | 675 |
| Core capital (leverage) ratio | 18.1161% | 544 |
| Tier 1 risk-based capital ratio | 24.3559% | 1,039 |
| Total risk-based capital ratio | 25.5955% | 1,020 |
| Memoranda: | ||
| Average total assets | $11,187,000 | 8,179 |
| Average earning assets | $10,667,000 | 8,152 |
| Average equity | $1,989,500 | 8,057 |
| Average total loans | $7,730,000 | 8,001 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3928% | 501 |
| Cost of funding earning assets | 2.4643% | 4,398 |
| Net interest margin | 4.9286% | 601 |
| Noninterest income to average assets | 0.4104% | 5,389 |
| Noninterest expense to average assets | 4.1521% | 1,198 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7827% | 3,512 |
| Return on assets (ROA) | 0.7827% | 3,355 |
| Pretax return on assets | 0.9736% | 3,476 |
| Return on Equity (ROE) | 4.2013% | 4,739 |
| Retained earnings to average equity (ytd only) | 4.0475% | 2,614 |
| Net charge-offs to loans | -0.0276% | 7,960 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0056% | 2,446 |
| Assets per employee ($millions) | 2.1794% | 7,742 |
| Cash dividends to net income (ytd only)* | 3.6585% | 4,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7639% | 1,724 |
| Loan loss allowance to noncurrent loans | 132.0388% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.9452% | 4,462 |
| Noncurrent loans to loans | 1.3359% | 3,844 |
| Net loans and leases to total assets | 69.5054% | 4,141 |
| Net loans and leases to deposits | 87.2983% | 3,893 |
| Net loans and leases to core deposits | 116.3977% | 3,078 |
| Total domestic deposits to total assets | 79.6182% | 5,158 |
| Equity capital to assets | 18.1243% | 632 |
| Core capital (leverage) ratio | 18.6827% | 538 |
| Tier 1 risk-based capital ratio | 24.1186% | 1,076 |
| Total risk-based capital ratio | 25.3751% | 1,053 |
| Memoranda: | ||
| Average total assets | $10,476,600 | 8,239 |
| Average earning assets | $10,023,200 | 8,217 |
| Average equity | $1,951,800 | 8,128 |
| Average total loans | $7,255,800 | 8,069 |