Home > Palo Savings Bank > Performance and Condition Ratios
Palo Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2968% | 3,446 |
| Cost of funding earning assets | 1.1208% | 3,010 |
| Net interest margin | 3.1760% | 2,930 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.1833% | 3,178 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8940% | 2,568 |
| Return on assets (ROA) | 0.8940% | 2,541 |
| Pretax return on assets | 0.9367% | 2,856 |
| Return on Equity (ROE) | 20.1700% | 602 |
| Retained earnings to average equity (ytd only) | 7.6525% | 1,657 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 69.9784% | 1,880 |
| Assets per employee ($millions) | 6.3804% | 2,493 |
| Cash dividends to net income (ytd only)* | 62.0603% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0209% | 3,203 |
| Loan loss allowance to noncurrent loans | 477.0833% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.1075% | 2,821 |
| Noncurrent loans to loans | 0.2140% | 2,454 |
| Net loans and leases to total assets | 49.7100% | 3,617 |
| Net loans and leases to deposits | 52.6549% | 3,851 |
| Net loans and leases to core deposits | 57.0889% | 3,871 |
| Total domestic deposits to total assets | 94.4100% | 84 |
| Equity capital to assets | 5.2639% | 4,373 |
| Core capital (leverage) ratio | 12.5173% | 1,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $44,519,800 | 4,358 |
| Average earning assets | $40,774,200 | 4,340 |
| Average equity | $1,973,200 | 4,492 |
| Average total loans | $21,912,600 | 4,271 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2493% | 3,376 |
| Cost of funding earning assets | 1.0008% | 3,039 |
| Net interest margin | 3.2485% | 2,806 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 2.1610% | 3,177 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9561% | 2,495 |
| Return on assets (ROA) | 0.9561% | 2,485 |
| Pretax return on assets | 1.0071% | 2,835 |
| Return on Equity (ROE) | 22.6400% | 512 |
| Retained earnings to average equity (ytd only) | 14.4064% | 625 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.2119% | 1,992 |
| Assets per employee ($millions) | 6.1633% | 2,605 |
| Cash dividends to net income (ytd only)* | 36.3636% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0588% | 3,076 |
| Loan loss allowance to noncurrent loans | 263.2184% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 0.2017% | 2,264 |
| Noncurrent loans to loans | 0.4022% | 1,821 |
| Net loans and leases to total assets | 49.6000% | 3,643 |
| Net loans and leases to deposits | 51.5427% | 3,887 |
| Net loans and leases to core deposits | 56.3469% | 3,843 |
| Total domestic deposits to total assets | 96.2400% | 71 |
| Equity capital to assets | 3.4791% | 4,457 |
| Core capital (leverage) ratio | 12.6003% | 1,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $44,484,000 | 4,374 |
| Average earning assets | $40,633,500 | 4,358 |
| Average equity | $1,878,750 | 4,516 |
| Average total loans | $21,782,750 | 4,291 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1713% | 3,352 |
| Cost of funding earning assets | 0.8960% | 2,940 |
| Net interest margin | 3.2754% | 2,810 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 2.1322% | 3,264 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0015% | 2,413 |
| Return on assets (ROA) | 1.0015% | 2,408 |
| Pretax return on assets | 1.0550% | 2,767 |
| Return on Equity (ROE) | 22.4500% | 516 |
| Retained earnings to average equity (ytd only) | 14.2667% | 649 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.8994% | 2,116 |
| Assets per employee ($millions) | 6.3867% | 2,399 |
| Cash dividends to net income (ytd only)* | 36.4444% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0806% | 3,034 |
| Loan loss allowance to noncurrent loans | 263.2184% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 0.1946% | 2,220 |
| Noncurrent loans to loans | 0.4106% | 1,699 |
| Net loans and leases to total assets | 46.8900% | 3,748 |
| Net loans and leases to deposits | 49.5181% | 3,940 |
| Net loans and leases to core deposits | 54.6626% | 3,861 |
| Total domestic deposits to total assets | 94.6900% | 113 |
| Equity capital to assets | 5.0261% | 4,378 |
| Core capital (leverage) ratio | 12.1514% | 1,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $44,931,000 | 4,393 |
| Average earning assets | $40,850,333 | 4,381 |
| Average equity | $2,004,667 | 4,544 |
| Average total loans | $21,834,000 | 4,305 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0433% | 3,370 |
| Cost of funding earning assets | 0.7477% | 2,900 |
| Net interest margin | 3.2957% | 2,888 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 2.1579% | 3,232 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9857% | 2,574 |
| Return on assets (ROA) | 0.9857% | 2,543 |
| Pretax return on assets | 1.0390% | 2,888 |
| Return on Equity (ROE) | 23.5700% | 473 |
| Retained earnings to average equity (ytd only) | 23.5731% | 219 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.5000% | 2,036 |
| Assets per employee ($millions) | 6.3244% | 2,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0771% | 3,164 |
| Loan loss allowance to noncurrent loans | 318.0556% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.1626% | 2,372 |
| Noncurrent loans to loans | 0.3386% | 1,934 |
| Net loans and leases to total assets | 47.5100% | 3,665 |
| Net loans and leases to deposits | 49.9122% | 3,894 |
| Net loans and leases to core deposits | 54.0279% | 3,831 |
| Total domestic deposits to total assets | 95.1800% | 80 |
| Equity capital to assets | 4.5583% | 4,483 |
| Core capital (leverage) ratio | 12.3569% | 1,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $45,043,000 | 4,462 |
| Average earning assets | $40,659,500 | 4,450 |
| Average equity | $1,883,500 | 4,615 |
| Average total loans | $22,155,500 | 4,360 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6086% | 2,780 |
| Cost of funding earning assets | 0.4380% | 1,803 |
| Net interest margin | 3.1705% | 2,959 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 2.0114% | 3,552 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.0465% | 2,392 |
| Return on assets (ROA) | 1.0465% | 2,334 |
| Pretax return on assets | 1.1024% | 2,761 |
| Return on Equity (ROE) | 16.7500% | 906 |
| Retained earnings to average equity (ytd only) | 6.9115% | 2,277 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.2860% | 2,594 |
| Assets per employee ($millions) | 6.5450% | 2,304 |
| Cash dividends to net income (ytd only)* | 58.7269% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9935% | 3,427 |
| Loan loss allowance to noncurrent loans | 497.8261% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.1004% | 2,839 |
| Noncurrent loans to loans | 0.1996% | 2,489 |
| Net loans and leases to total assets | 49.8100% | 3,517 |
| Net loans and leases to deposits | 51.9107% | 3,807 |
| Net loans and leases to core deposits | 56.1306% | 3,713 |
| Total domestic deposits to total assets | 95.9600% | 81 |
| Equity capital to assets | 3.8175% | 4,540 |
| Core capital (leverage) ratio | 11.8002% | 1,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $46,535,600 | 4,467 |
| Average earning assets | $43,147,200 | 4,446 |
| Average equity | $2,908,200 | 4,618 |
| Average total loans | $21,284,600 | 4,394 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5029% | 2,607 |
| Cost of funding earning assets | 0.3995% | 1,294 |
| Net interest margin | 3.1035% | 2,927 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 1.9950% | 3,498 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 0.9704% | 2,592 |
| Return on assets (ROA) | 0.9704% | 2,560 |
| Pretax return on assets | 1.0332% | 2,920 |
| Return on Equity (ROE) | 14.1800% | 1,377 |
| Retained earnings to average equity (ytd only) | 8.5468% | 1,809 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.0697% | 2,545 |
| Assets per employee ($millions) | 6.3771% | 2,425 |
| Cash dividends to net income (ytd only)* | 39.7059% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0240% | 3,369 |
| Loan loss allowance to noncurrent loans | 495.6522% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.1030% | 2,928 |
| Noncurrent loans to loans | 0.2066% | 2,567 |
| Net loans and leases to total assets | 49.3700% | 3,503 |
| Net loans and leases to deposits | 51.4679% | 3,764 |
| Net loans and leases to core deposits | 54.8089% | 3,698 |
| Total domestic deposits to total assets | 95.9200% | 140 |
| Equity capital to assets | 3.6694% | 4,523 |
| Core capital (leverage) ratio | 11.7162% | 1,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $46,715,750 | 4,504 |
| Average earning assets | $43,391,000 | 4,481 |
| Average equity | $3,198,000 | 4,642 |
| Average total loans | $20,843,250 | 4,435 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3515% | 2,567 |
| Cost of funding earning assets | 0.3865% | 1,012 |
| Net interest margin | 2.9650% | 2,989 |
| Noninterest income to average assets | 0.2278% | 3,829 |
| Noninterest expense to average assets | 1.8900% | 3,730 |
| Loan and lease loss provision to assets | 0.0759% | 1,272 |
| Net operating income to assets | 0.9577% | 2,324 |
| Return on assets (ROA) | 0.9577% | 2,299 |
| Pretax return on assets | 1.0125% | 2,682 |
| Return on Equity (ROE) | 12.2109% | 1,614 |
| Retained earnings to average equity (ytd only) | 7.5309% | 1,801 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4561% | 2,847 |
| Assets per employee ($millions) | 6.6276% | 2,225 |
| Cash dividends to net income (ytd only)* | 38.3260% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0134% | 3,545 |
| Loan loss allowance to noncurrent loans | 469.5652% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.0992% | 3,012 |
| Noncurrent loans to loans | 0.2158% | 2,640 |
| Net loans and leases to total assets | 45.4788% | 3,740 |
| Net loans and leases to deposits | 47.8002% | 3,925 |
| Net loans and leases to core deposits | 49.0549% | 3,975 |
| Total domestic deposits to total assets | 95.1437% | 132 |
| Equity capital to assets | 4.7055% | 4,533 |
| Core capital (leverage) ratio | 10.9725% | 1,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,407,667 | 4,546 |
| Average earning assets | $43,979,667 | 4,535 |
| Average equity | $3,718,000 | 4,637 |
| Average total loans | $20,369,333 | 4,501 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2043% | 2,677 |
| Cost of funding earning assets | 0.4308% | 721 |
| Net interest margin | 2.7735% | 3,215 |
| Noninterest income to average assets | 0.2254% | 3,807 |
| Noninterest expense to average assets | 1.7948% | 3,950 |
| Loan and lease loss provision to assets | 0.0668% | 1,221 |
| Net operating income to assets | 0.8932% | 2,300 |
| Return on assets (ROA) | 0.8932% | 2,302 |
| Pretax return on assets | 0.9433% | 2,619 |
| Return on Equity (ROE) | 9.5419% | 2,139 |
| Retained earnings to average equity (ytd only) | 9.5419% | 1,136 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9881% | 3,028 |
| Assets per employee ($millions) | 8.0323% | 1,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0153% | 3,650 |
| Loan loss allowance to noncurrent loans | 447.8261% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.0954% | 3,137 |
| Noncurrent loans to loans | 0.2267% | 2,689 |
| Net loans and leases to total assets | 41.6712% | 3,901 |
| Net loans and leases to deposits | 45.3014% | 4,008 |
| Net loans and leases to core deposits | 46.4529% | 4,050 |
| Total domestic deposits to total assets | 91.9866% | 583 |
| Equity capital to assets | 7.8537% | 3,685 |
| Core capital (leverage) ratio | 10.7920% | 1,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,915,000 | 4,563 |
| Average earning assets | $44,564,500 | 4,555 |
| Average equity | $4,485,500 | 4,613 |
| Average total loans | $19,896,500 | 4,523 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1549% | 3,573 |
| Cost of funding earning assets | 0.5532% | 699 |
| Net interest margin | 2.6017% | 4,046 |
| Noninterest income to average assets | 0.5647% | 2,302 |
| Noninterest expense to average assets | 1.8395% | 4,070 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0713% | 2,407 |
| Return on assets (ROA) | 1.0713% | 2,481 |
| Pretax return on assets | 1.1273% | 2,886 |
| Return on Equity (ROE) | 9.9506% | 2,542 |
| Retained earnings to average equity (ytd only) | 6.5180% | 2,116 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0014% | 2,867 |
| Assets per employee ($millions) | 9.5272% | 782 |
| Cash dividends to net income (ytd only)* | 34.4961% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0152% | 3,677 |
| Loan loss allowance to noncurrent loans | 388.2353% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.1071% | 3,181 |
| Noncurrent loans to loans | 0.2615% | 2,673 |
| Net loans and leases to total assets | 40.5282% | 4,066 |
| Net loans and leases to deposits | 45.5771% | 4,117 |
| Net loans and leases to core deposits | 46.7820% | 4,152 |
| Total domestic deposits to total assets | 88.9222% | 1,553 |
| Equity capital to assets | 10.8867% | 1,869 |
| Core capital (leverage) ratio | 10.8255% | 1,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,166,400 | 4,584 |
| Average earning assets | $44,470,800 | 4,567 |
| Average equity | $5,185,600 | 4,615 |
| Average total loans | $19,596,600 | 4,577 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1398% | 3,723 |
| Cost of funding earning assets | 0.5722% | 734 |
| Net interest margin | 2.5676% | 4,185 |
| Noninterest income to average assets | 0.5024% | 2,613 |
| Noninterest expense to average assets | 1.8275% | 4,114 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9800% | 2,986 |
| Return on assets (ROA) | 0.9800% | 3,067 |
| Pretax return on assets | 1.0407% | 3,347 |
| Return on Equity (ROE) | 9.1278% | 3,070 |
| Retained earnings to average equity (ytd only) | 6.0166% | 2,813 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7151% | 2,429 |
| Assets per employee ($millions) | 6.7211% | 2,078 |
| Cash dividends to net income (ytd only)* | 34.0845% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0090% | 3,810 |
| Loan loss allowance to noncurrent loans | 1,800.0000% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.0234% | 4,026 |
| Noncurrent loans to loans | 0.0561% | 3,826 |
| Net loans and leases to total assets | 41.2876% | 4,127 |
| Net loans and leases to deposits | 46.4657% | 4,212 |
| Net loans and leases to core deposits | 47.7015% | 4,252 |
| Total domestic deposits to total assets | 88.8561% | 1,368 |
| Equity capital to assets | 10.9803% | 2,030 |
| Core capital (leverage) ratio | 10.4479% | 2,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,299,000 | 4,649 |
| Average earning assets | $44,502,500 | 4,633 |
| Average equity | $5,185,500 | 4,680 |
| Average total loans | $19,619,750 | 4,644 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0652% | 3,931 |
| Cost of funding earning assets | 0.5800% | 820 |
| Net interest margin | 2.4852% | 4,327 |
| Noninterest income to average assets | 0.6569% | 1,979 |
| Noninterest expense to average assets | 1.7982% | 4,187 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0838% | 2,595 |
| Return on assets (ROA) | 1.0838% | 2,669 |
| Pretax return on assets | 1.1454% | 3,075 |
| Return on Equity (ROE) | 10.1695% | 2,688 |
| Retained earnings to average equity (ytd only) | 6.7026% | 2,539 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0879% | 2,859 |
| Assets per employee ($millions) | 8.3028% | 1,078 |
| Cash dividends to net income (ytd only)* | 34.0909% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0148% | 3,771 |
| Loan loss allowance to noncurrent loans | 373.5849% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.1064% | 3,514 |
| Noncurrent loans to loans | 0.2716% | 2,965 |
| Net loans and leases to total assets | 38.7699% | 4,352 |
| Net loans and leases to deposits | 43.4081% | 4,404 |
| Net loans and leases to core deposits | 44.4818% | 4,446 |
| Total domestic deposits to total assets | 89.3149% | 1,133 |
| Equity capital to assets | 10.5305% | 2,369 |
| Core capital (leverage) ratio | 9.9954% | 2,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,716,000 | 4,667 |
| Average earning assets | $44,825,667 | 4,651 |
| Average equity | $5,192,000 | 4,706 |
| Average total loans | $19,618,667 | 4,675 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0456% | 3,994 |
| Cost of funding earning assets | 0.6146% | 823 |
| Net interest margin | 2.4311% | 4,382 |
| Noninterest income to average assets | 1.1128% | 964 |
| Noninterest expense to average assets | 1.8519% | 4,104 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4201% | 1,523 |
| Return on assets (ROA) | 1.4201% | 1,596 |
| Pretax return on assets | 1.4948% | 2,007 |
| Return on Equity (ROE) | 13.2430% | 1,609 |
| Retained earnings to average equity (ytd only) | 13.2430% | 868 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3350% | 3,629 |
| Assets per employee ($millions) | 8.4148% | 1,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0205% | 3,766 |
| Loan loss allowance to noncurrent loans | 412.5000% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.0951% | 3,712 |
| Noncurrent loans to loans | 0.2474% | 3,211 |
| Net loans and leases to total assets | 38.0380% | 4,418 |
| Net loans and leases to deposits | 42.3335% | 4,482 |
| Net loans and leases to core deposits | 43.3521% | 4,518 |
| Total domestic deposits to total assets | 89.8532% | 891 |
| Equity capital to assets | 10.0022% | 2,704 |
| Core capital (leverage) ratio | 10.3346% | 2,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,165,500 | 4,691 |
| Average earning assets | $44,260,000 | 4,678 |
| Average equity | $5,165,000 | 4,733 |
| Average total loans | $19,672,000 | 4,701 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5253% | 3,974 |
| Cost of funding earning assets | 0.9403% | 736 |
| Net interest margin | 2.5851% | 4,517 |
| Noninterest income to average assets | 0.3152% | 3,579 |
| Noninterest expense to average assets | 1.9622% | 4,211 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.6564% | 3,570 |
| Return on assets (ROA) | 0.6564% | 3,697 |
| Pretax return on assets | 0.6920% | 3,897 |
| Return on Equity (ROE) | 5.5035% | 3,743 |
| Retained earnings to average equity (ytd only) | 3.9935% | 2,830 |
| Net charge-offs to loans | 0.0102% | 2,953 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 146.0000% | 593 |
| Efficiency ratio | 73.9286% | 1,456 |
| Assets per employee ($millions) | 6.5489% | 1,887 |
| Cash dividends to net income (ytd only)* | 27.4368% | 2,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9929% | 3,896 |
| Loan loss allowance to noncurrent loans | 347.3684% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.2400% | 3,091 |
| Noncurrent loans to loans | 0.2858% | 3,173 |
| Net loans and leases to total assets | 43.0675% | 4,298 |
| Net loans and leases to deposits | 48.7710% | 4,365 |
| Net loans and leases to core deposits | 50.0799% | 4,419 |
| Total domestic deposits to total assets | 88.3055% | 1,327 |
| Equity capital to assets | 11.5178% | 1,870 |
| Core capital (leverage) ratio | 10.5592% | 2,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $42,197,600 | 4,744 |
| Average earning assets | $38,180,800 | 4,737 |
| Average equity | $5,033,200 | 4,747 |
| Average total loans | $19,524,400 | 4,728 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6343% | 3,941 |
| Cost of funding earning assets | 1.0097% | 738 |
| Net interest margin | 2.6246% | 4,551 |
| Noninterest income to average assets | 0.3455% | 3,401 |
| Noninterest expense to average assets | 1.9828% | 4,192 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.6879% | 3,495 |
| Return on assets (ROA) | 0.6879% | 3,600 |
| Pretax return on assets | 0.7298% | 3,828 |
| Return on Equity (ROE) | 5.7124% | 3,657 |
| Retained earnings to average equity (ytd only) | 4.0496% | 3,022 |
| Net charge-offs to loans | 0.0137% | 2,627 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 113.0000% | 730 |
| Efficiency ratio | 73.0952% | 1,513 |
| Assets per employee ($millions) | 6.3050% | 1,990 |
| Cash dividends to net income (ytd only)* | 29.1080% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9775% | 3,792 |
| Loan loss allowance to noncurrent loans | 1,650.0000% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.1473% | 3,681 |
| Noncurrent loans to loans | 0.0592% | 4,138 |
| Net loans and leases to total assets | 45.4469% | 4,342 |
| Net loans and leases to deposits | 51.6121% | 4,425 |
| Net loans and leases to core deposits | 53.3969% | 4,476 |
| Total domestic deposits to total assets | 88.0548% | 1,201 |
| Equity capital to assets | 11.7843% | 1,815 |
| Core capital (leverage) ratio | 11.5006% | 1,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,286,500 | 4,777 |
| Average earning assets | $37,236,750 | 4,774 |
| Average equity | $4,971,500 | 4,782 |
| Average total loans | $19,420,250 | 4,761 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7392% | 4,007 |
| Cost of funding earning assets | 1.0810% | 754 |
| Net interest margin | 2.6583% | 4,601 |
| Noninterest income to average assets | 0.4363% | 2,875 |
| Noninterest expense to average assets | 2.0031% | 4,230 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7784% | 3,119 |
| Return on assets (ROA) | 0.7784% | 3,232 |
| Pretax return on assets | 0.8231% | 3,527 |
| Return on Equity (ROE) | 6.4147% | 3,360 |
| Retained earnings to average equity (ytd only) | 4.5761% | 2,664 |
| Net charge-offs to loans | 0.0104% | 2,573 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 166.0000% | 506 |
| Efficiency ratio | 70.8772% | 1,835 |
| Assets per employee ($millions) | 5.9221% | 2,254 |
| Cash dividends to net income (ytd only)* | 28.6624% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0112% | 3,520 |
| Loan loss allowance to noncurrent loans | 160.4839% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.4270% | 2,597 |
| Noncurrent loans to loans | 0.6301% | 2,286 |
| Net loans and leases to total assets | 46.9907% | 4,312 |
| Net loans and leases to deposits | 53.6757% | 4,390 |
| Net loans and leases to core deposits | 55.6603% | 4,440 |
| Total domestic deposits to total assets | 87.5455% | 1,402 |
| Equity capital to assets | 12.2253% | 1,526 |
| Core capital (leverage) ratio | 11.4305% | 1,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,337,000 | 4,815 |
| Average earning assets | $36,264,000 | 4,815 |
| Average equity | $4,895,000 | 4,818 |
| Average total loans | $19,141,667 | 4,791 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8920% | 4,049 |
| Cost of funding earning assets | 1.1553% | 890 |
| Net interest margin | 2.7367% | 4,633 |
| Noninterest income to average assets | 0.2313% | 4,163 |
| Noninterest expense to average assets | 2.0715% | 4,273 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5832% | 3,650 |
| Return on assets (ROA) | 0.5832% | 3,711 |
| Pretax return on assets | 0.6134% | 3,898 |
| Return on Equity (ROE) | 4.8248% | 3,697 |
| Retained earnings to average equity (ytd only) | 4.8248% | 2,354 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1536% | 1,443 |
| Assets per employee ($millions) | 6.6793% | 1,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0881% | 3,272 |
| Loan loss allowance to noncurrent loans | 1,176.4706% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.1747% | 3,796 |
| Noncurrent loans to loans | 0.0925% | 4,139 |
| Net loans and leases to total assets | 45.3663% | 4,451 |
| Net loans and leases to deposits | 51.7446% | 4,530 |
| Net loans and leases to core deposits | 54.4032% | 4,556 |
| Total domestic deposits to total assets | 87.6734% | 1,241 |
| Equity capital to assets | 12.1045% | 1,990 |
| Core capital (leverage) ratio | 11.7688% | 1,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.0760% | 302 |
| Memoranda: | ||
| Average total assets | $39,778,000 | 4,857 |
| Average earning assets | $35,663,000 | 4,858 |
| Average equity | $4,808,500 | 4,862 |
| Average total loans | $18,873,000 | 4,833 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2277% | 3,738 |
| Cost of funding earning assets | 1.0175% | 1,651 |
| Net interest margin | 3.2102% | 4,166 |
| Noninterest income to average assets | 0.3067% | 3,853 |
| Noninterest expense to average assets | 2.3179% | 3,902 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8147% | 3,517 |
| Return on assets (ROA) | 0.8095% | 3,617 |
| Pretax return on assets | 0.8509% | 3,875 |
| Return on Equity (ROE) | 6.4532% | 3,757 |
| Retained earnings to average equity (ytd only) | 4.6031% | 2,650 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0200% | 1,731 |
| Assets per employee ($millions) | 6.5800% | 1,239 |
| Cash dividends to net income (ytd only)* | 28.6689% | 3,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0328% | 3,307 |
| Loan loss allowance to noncurrent loans | 111.1111% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 0.4559% | 2,581 |
| Noncurrent loans to loans | 0.9295% | 1,647 |
| Net loans and leases to total assets | 48.5436% | 4,400 |
| Net loans and leases to deposits | 55.3550% | 4,485 |
| Net loans and leases to core deposits | 58.2293% | 4,512 |
| Total domestic deposits to total assets | 87.6950% | 1,276 |
| Equity capital to assets | 12.0719% | 2,094 |
| Core capital (leverage) ratio | 11.8894% | 1,849 |
| Tier 1 risk-based capital ratio | 26.6959% | 639 |
| Total risk-based capital ratio | 27.8485% | 629 |
| Memoranda: | ||
| Average total assets | $36,196,000 | 4,953 |
| Average earning assets | $32,334,000 | 4,957 |
| Average equity | $4,540,400 | 4,939 |
| Average total loans | $18,005,400 | 4,905 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2738% | 3,737 |
| Cost of funding earning assets | 0.9511% | 1,983 |
| Net interest margin | 3.3226% | 4,054 |
| Noninterest income to average assets | 0.3015% | 3,930 |
| Noninterest expense to average assets | 2.3594% | 3,798 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8590% | 3,486 |
| Return on assets (ROA) | 0.8518% | 3,596 |
| Pretax return on assets | 0.8970% | 3,877 |
| Return on Equity (ROE) | 6.7201% | 3,805 |
| Retained earnings to average equity (ytd only) | 4.7872% | 3,000 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2864% | 1,793 |
| Assets per employee ($millions) | 5.5191% | 2,013 |
| Cash dividends to net income (ytd only)* | 28.7592% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0839% | 3,111 |
| Loan loss allowance to noncurrent loans | 227.2727% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.2278% | 3,667 |
| Noncurrent loans to loans | 0.4769% | 2,864 |
| Net loans and leases to total assets | 47.2434% | 4,535 |
| Net loans and leases to deposits | 53.9601% | 4,635 |
| Net loans and leases to core deposits | 57.7248% | 4,626 |
| Total domestic deposits to total assets | 87.5524% | 1,237 |
| Equity capital to assets | 12.2431% | 2,080 |
| Core capital (leverage) ratio | 12.3635% | 1,650 |
| Tier 1 risk-based capital ratio | 23.4452% | 903 |
| Total risk-based capital ratio | 24.4681% | 902 |
| Memoranda: | ||
| Average total assets | $35,375,000 | 5,038 |
| Average earning assets | $31,540,500 | 5,044 |
| Average equity | $4,484,000 | 5,011 |
| Average total loans | $17,665,500 | 4,989 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3211% | 3,580 |
| Cost of funding earning assets | 0.8511% | 2,387 |
| Net interest margin | 3.4699% | 3,689 |
| Noninterest income to average assets | 0.3325% | 3,714 |
| Noninterest expense to average assets | 2.4615% | 3,590 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9152% | 3,225 |
| Return on assets (ROA) | 0.9041% | 3,330 |
| Pretax return on assets | 0.9508% | 3,709 |
| Return on Equity (ROE) | 7.0423% | 3,661 |
| Retained earnings to average equity (ytd only) | 4.9977% | 2,772 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8910% | 1,938 |
| Assets per employee ($millions) | 5.0661% | 2,396 |
| Cash dividends to net income (ytd only)* | 29.0323% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1149% | 2,995 |
| Loan loss allowance to noncurrent loans | 1,428.5714% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.0395% | 4,570 |
| Noncurrent loans to loans | 0.0780% | 4,331 |
| Net loans and leases to total assets | 50.0211% | 4,468 |
| Net loans and leases to deposits | 57.6241% | 4,532 |
| Net loans and leases to core deposits | 61.1964% | 4,530 |
| Total domestic deposits to total assets | 86.8060% | 1,680 |
| Equity capital to assets | 13.0164% | 1,583 |
| Core capital (leverage) ratio | 12.8417% | 1,380 |
| Tier 1 risk-based capital ratio | 28.3934% | 549 |
| Total risk-based capital ratio | 29.6461% | 533 |
| Memoranda: | ||
| Average total assets | $34,288,670 | 5,090 |
| Average earning assets | $30,548,000 | 5,091 |
| Average equity | $4,402,000 | 5,056 |
| Average total loans | $17,403,330 | 5,038 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2300% | 3,781 |
| Cost of funding earning assets | 0.7558% | 2,766 |
| Net interest margin | 3.4742% | 3,668 |
| Noninterest income to average assets | 0.3679% | 3,387 |
| Noninterest expense to average assets | 2.6230% | 3,149 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8180% | 3,558 |
| Return on assets (ROA) | 0.7952% | 3,690 |
| Pretax return on assets | 0.8308% | 3,968 |
| Return on Equity (ROE) | 6.2398% | 3,942 |
| Retained earnings to average equity (ytd only) | 6.2398% | 2,349 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4266% | 1,565 |
| Assets per employee ($millions) | 4.9386% | 2,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1789% | 2,694 |
| Loan loss allowance to noncurrent loans | 1,176.4706% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.0492% | 4,583 |
| Noncurrent loans to loans | 0.1002% | 4,290 |
| Net loans and leases to total assets | 48.4958% | 4,554 |
| Net loans and leases to deposits | 55.7125% | 4,610 |
| Net loans and leases to core deposits | 59.7023% | 4,576 |
| Total domestic deposits to total assets | 87.0466% | 1,790 |
| Equity capital to assets | 12.7596% | 1,595 |
| Core capital (leverage) ratio | 13.1023% | 1,222 |
| Tier 1 risk-based capital ratio | 26.2673% | 668 |
| Total risk-based capital ratio | 27.4800% | 655 |
| Memoranda: | ||
| Average total assets | $33,701,500 | 5,151 |
| Average earning assets | $30,165,500 | 5,149 |
| Average equity | $4,295,000 | 5,112 |
| Average total loans | $17,135,500 | 5,102 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2696% | 3,217 |
| Cost of funding earning assets | 0.5597% | 2,989 |
| Net interest margin | 3.7100% | 2,994 |
| Noninterest income to average assets | 0.5558% | 2,517 |
| Noninterest expense to average assets | 2.2848% | 4,158 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.5846% | 910 |
| Return on assets (ROA) | 1.5846% | 900 |
| Pretax return on assets | 1.6706% | 1,248 |
| Return on Equity (ROE) | 12.2635% | 1,623 |
| Retained earnings to average equity (ytd only) | 2.7331% | 4,037 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7640% | 4,187 |
| Assets per employee ($millions) | 4.6904% | 2,892 |
| Cash dividends to net income (ytd only)* | 77.7132% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1557% | 2,797 |
| Loan loss allowance to noncurrent loans | 1,333.3333% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 4,622 |
| Noncurrent loans to loans | 0.0867% | 4,360 |
| Net loans and leases to total assets | 52.1000% | 4,402 |
| Net loans and leases to deposits | 59.8384% | 4,489 |
| Net loans and leases to core deposits | 64.3518% | 4,438 |
| Total domestic deposits to total assets | 87.0679% | 1,757 |
| Equity capital to assets | 12.7280% | 1,472 |
| Core capital (leverage) ratio | 12.2662% | 1,575 |
| Tier 1 risk-based capital ratio | 26.2859% | 652 |
| Total risk-based capital ratio | 27.5351% | 645 |
| Memoranda: | ||
| Average total assets | $32,563,600 | 5,212 |
| Average earning assets | $29,838,600 | 5,198 |
| Average equity | $4,207,600 | 5,151 |
| Average total loans | $17,134,600 | 5,145 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2563% | 3,128 |
| Cost of funding earning assets | 0.5393% | 2,938 |
| Net interest margin | 3.7170% | 2,957 |
| Noninterest income to average assets | 0.6360% | 2,139 |
| Noninterest expense to average assets | 2.1171% | 4,512 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.8463% | 556 |
| Return on assets (ROA) | 1.8463% | 552 |
| Pretax return on assets | 1.9407% | 751 |
| Return on Equity (ROE) | 14.2355% | 1,056 |
| Retained earnings to average equity (ytd only) | 5.5676% | 2,915 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1739% | 4,791 |
| Assets per employee ($millions) | 4.4873% | 3,145 |
| Cash dividends to net income (ytd only)* | 60.8877% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1774% | 2,755 |
| Loan loss allowance to noncurrent loans | 10,000.0000% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 4,994 |
| Noncurrent loans to loans | 0.0118% | 4,864 |
| Net loans and leases to total assets | 53.4399% | 4,398 |
| Net loans and leases to deposits | 61.6113% | 4,462 |
| Net loans and leases to core deposits | 66.4871% | 4,384 |
| Total domestic deposits to total assets | 86.7371% | 1,853 |
| Equity capital to assets | 13.0655% | 1,305 |
| Core capital (leverage) ratio | 14.0472% | 926 |
| Tier 1 risk-based capital ratio | 32.4622% | 382 |
| Total risk-based capital ratio | 33.7146% | 376 |
| Memoranda: | ||
| Average total assets | $32,496,250 | 5,282 |
| Average earning assets | $29,915,750 | 5,265 |
| Average equity | $4,214,750 | 5,217 |
| Average total loans | $17,091,750 | 5,207 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2330% | 3,002 |
| Cost of funding earning assets | 0.5167% | 2,882 |
| Net interest margin | 3.7163% | 2,871 |
| Noninterest income to average assets | 0.8156% | 1,429 |
| Noninterest expense to average assets | 2.0817% | 4,648 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.0513% | 338 |
| Return on assets (ROA) | 2.0513% | 336 |
| Pretax return on assets | 2.1486% | 434 |
| Return on Equity (ROE) | 15.8526% | 699 |
| Retained earnings to average equity (ytd only) | 9.5962% | 1,039 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2086% | 5,066 |
| Assets per employee ($millions) | 4.6679% | 2,860 |
| Cash dividends to net income (ytd only)* | 39.4659% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1994% | 2,718 |
| Loan loss allowance to noncurrent loans | 1,250.0000% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.0490% | 4,787 |
| Noncurrent loans to loans | 0.0960% | 4,487 |
| Net loans and leases to total assets | 50.4208% | 4,585 |
| Net loans and leases to deposits | 58.0004% | 4,642 |
| Net loans and leases to core deposits | 61.7874% | 4,609 |
| Total domestic deposits to total assets | 86.9319% | 1,867 |
| Equity capital to assets | 12.8967% | 1,350 |
| Core capital (leverage) ratio | 13.7356% | 983 |
| Tier 1 risk-based capital ratio | 39.5859% | 235 |
| Total risk-based capital ratio | 40.8405% | 233 |
| Memoranda: | ||
| Average total assets | $32,858,000 | 5,343 |
| Average earning assets | $30,191,000 | 5,328 |
| Average equity | $4,251,670 | 5,268 |
| Average total loans | $17,127,000 | 5,266 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2016% | 2,876 |
| Cost of funding earning assets | 0.4843% | 2,914 |
| Net interest margin | 3.7173% | 2,735 |
| Noninterest income to average assets | 1.1290% | 735 |
| Noninterest expense to average assets | 2.1245% | 4,604 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.3551% | 186 |
| Return on assets (ROA) | 2.3551% | 188 |
| Pretax return on assets | 2.4522% | 240 |
| Return on Equity (ROE) | 18.1712% | 394 |
| Retained earnings to average equity (ytd only) | 18.1712% | 147 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4191% | 5,251 |
| Assets per employee ($millions) | 4.7217% | 2,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1714% | 2,968 |
| Loan loss allowance to noncurrent loans | 10,000.0000% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 5,105 |
| Noncurrent loans to loans | 0.0117% | 4,955 |
| Net loans and leases to total assets | 51.0499% | 4,499 |
| Net loans and leases to deposits | 58.7520% | 4,553 |
| Net loans and leases to core deposits | 62.5343% | 4,519 |
| Total domestic deposits to total assets | 86.8904% | 2,172 |
| Equity capital to assets | 12.8888% | 1,299 |
| Core capital (leverage) ratio | 13.6408% | 964 |
| Tier 1 risk-based capital ratio | 40.7605% | 218 |
| Total risk-based capital ratio | 42.0190% | 216 |
| Memoranda: | ||
| Average total assets | $32,949,500 | 5,393 |
| Average earning assets | $30,559,500 | 5,379 |
| Average equity | $4,270,500 | 5,319 |
| Average total loans | $17,353,000 | 5,319 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1116% | 3,017 |
| Cost of funding earning assets | 0.4112% | 3,149 |
| Net interest margin | 3.7004% | 2,799 |
| Noninterest income to average assets | 0.3168% | 4,199 |
| Noninterest expense to average assets | 2.4425% | 3,960 |
| Loan and lease loss provision to assets | 0.0615% | 3,001 |
| Net operating income to assets | 1.2085% | 1,495 |
| Return on assets (ROA) | 1.2582% | 1,357 |
| Pretax return on assets | 1.3258% | 2,265 |
| Return on Equity (ROE) | 9.2484% | 2,194 |
| Retained earnings to average equity (ytd only) | 1.3115% | 4,497 |
| Net charge-offs to loans | 0.0409% | 2,966 |
| Credit loss provision to net charge-offs | 285.7143% | 978 |
| Earnings coverage of net charge-offs (x) | 62.0000% | 934 |
| Efficiency ratio | 64.6580% | 3,503 |
| Assets per employee ($millions) | 4.6924% | 2,876 |
| Cash dividends to net income (ytd only)* | 85.8191% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1342% | 3,151 |
| Loan loss allowance to noncurrent loans | 6,666.6667% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 5,127 |
| Noncurrent loans to loans | 0.0170% | 4,950 |
| Net loans and leases to total assets | 53.0733% | 4,436 |
| Net loans and leases to deposits | 61.1684% | 4,498 |
| Net loans and leases to core deposits | 65.1238% | 4,468 |
| Total domestic deposits to total assets | 86.7659% | 2,103 |
| Equity capital to assets | 13.0332% | 1,249 |
| Core capital (leverage) ratio | 13.2955% | 1,039 |
| Tier 1 risk-based capital ratio | 39.2886% | 227 |
| Total risk-based capital ratio | 40.5472% | 222 |
| Memoranda: | ||
| Average total assets | $32,507,600 | 5,457 |
| Average earning assets | $30,401,800 | 5,435 |
| Average equity | $4,422,400 | 5,354 |
| Average total loans | $17,096,800 | 5,384 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0753% | 3,070 |
| Cost of funding earning assets | 0.4009% | 3,182 |
| Net interest margin | 3.6744% | 2,842 |
| Noninterest income to average assets | 0.2961% | 4,415 |
| Noninterest expense to average assets | 2.1795% | 4,566 |
| Loan and lease loss provision to assets | 0.0823% | 2,446 |
| Net operating income to assets | 1.3777% | 1,138 |
| Return on assets (ROA) | 1.4434% | 1,018 |
| Pretax return on assets | 1.5339% | 1,650 |
| Return on Equity (ROE) | 10.4983% | 1,904 |
| Retained earnings to average equity (ytd only) | 3.1105% | 4,064 |
| Net charge-offs to loans | 0.0550% | 2,350 |
| Credit loss provision to net charge-offs | 285.7143% | 1,028 |
| Earnings coverage of net charge-offs (x) | 53.7320% | 1,069 |
| Efficiency ratio | 58.4989% | 4,432 |
| Assets per employee ($millions) | 4.6117% | 2,958 |
| Cash dividends to net income (ytd only)* | 70.3712% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1424% | 3,236 |
| Loan loss allowance to noncurrent loans | 1,176.4706% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.2757% | 3,969 |
| Noncurrent loans to loans | 0.0971% | 4,678 |
| Net loans and leases to total assets | 53.6119% | 4,444 |
| Net loans and leases to deposits | 62.7156% | 4,457 |
| Net loans and leases to core deposits | 64.4221% | 4,589 |
| Total domestic deposits to total assets | 85.4842% | 2,521 |
| Equity capital to assets | 13.9861% | 1,001 |
| Core capital (leverage) ratio | 13.3548% | 1,081 |
| Tier 1 risk-based capital ratio | 40.7317% | 211 |
| Total risk-based capital ratio | 41.9856% | 207 |
| Memoranda: | ||
| Average total assets | $32,422,750 | 5,517 |
| Average earning assets | $30,262,500 | 5,495 |
| Average equity | $4,457,750 | 5,407 |
| Average total loans | $16,962,750 | 5,450 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0502% | 3,010 |
| Cost of funding earning assets | 0.3870% | 3,213 |
| Net interest margin | 3.6632% | 2,781 |
| Noninterest income to average assets | 0.2772% | 4,565 |
| Noninterest expense to average assets | 2.1189% | 4,738 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4475% | 956 |
| Return on assets (ROA) | 1.4475% | 983 |
| Pretax return on assets | 1.5399% | 1,526 |
| Return on Equity (ROE) | 10.5888% | 1,801 |
| Retained earnings to average equity (ytd only) | 6.4884% | 1,851 |
| Net charge-offs to loans | 0.0953% | 1,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 31.2500% | 1,432 |
| Efficiency ratio | 57.9125% | 4,604 |
| Assets per employee ($millions) | 4.6906% | 2,808 |
| Cash dividends to net income (ytd only)* | 38.7234% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0759% | 3,712 |
| Loan loss allowance to noncurrent loans | 994.4444% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.2741% | 4,024 |
| Noncurrent loans to loans | 0.1082% | 4,688 |
| Net loans and leases to total assets | 50.1279% | 4,702 |
| Net loans and leases to deposits | 58.8200% | 4,709 |
| Net loans and leases to core deposits | 60.3934% | 4,800 |
| Total domestic deposits to total assets | 85.2226% | 2,726 |
| Equity capital to assets | 14.0099% | 961 |
| Core capital (leverage) ratio | 13.4252% | 1,018 |
| Tier 1 risk-based capital ratio | 39.6838% | 215 |
| Total risk-based capital ratio | 40.9395% | 211 |
| Memoranda: | ||
| Average total assets | $32,469,670 | 5,568 |
| Average earning assets | $29,974,000 | 5,546 |
| Average equity | $4,438,670 | 5,452 |
| Average total loans | $16,781,330 | 5,500 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1554% | 2,453 |
| Cost of funding earning assets | 0.3964% | 3,026 |
| Net interest margin | 3.7590% | 2,265 |
| Noninterest income to average assets | 0.2726% | 4,596 |
| Noninterest expense to average assets | 2.1061% | 4,835 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4866% | 834 |
| Return on assets (ROA) | 1.4866% | 863 |
| Pretax return on assets | 1.5734% | 1,301 |
| Return on Equity (ROE) | 11.0142% | 1,564 |
| Retained earnings to average equity (ytd only) | 11.0142% | 604 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2391% | 4,805 |
| Assets per employee ($millions) | 4.6284% | 2,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1442% | 3,452 |
| Loan loss allowance to noncurrent loans | 164.0351% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 0.5741% | 2,937 |
| Noncurrent loans to loans | 0.6975% | 2,754 |
| Net loans and leases to total assets | 49.8657% | 4,684 |
| Net loans and leases to deposits | 57.9525% | 4,702 |
| Net loans and leases to core deposits | 59.5043% | 4,804 |
| Total domestic deposits to total assets | 86.0459% | 2,643 |
| Equity capital to assets | 13.7504% | 986 |
| Core capital (leverage) ratio | 13.5651% | 958 |
| Tier 1 risk-based capital ratio | 40.6360% | 214 |
| Total risk-based capital ratio | 41.8914% | 211 |
| Memoranda: | ||
| Average total assets | $32,287,500 | 5,636 |
| Average earning assets | $29,263,000 | 5,620 |
| Average equity | $4,358,000 | 5,516 |
| Average total loans | $16,853,000 | 5,554 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2515% | 2,309 |
| Cost of funding earning assets | 0.3751% | 3,263 |
| Net interest margin | 3.8764% | 2,040 |
| Noninterest income to average assets | 0.2844% | 4,707 |
| Noninterest expense to average assets | 2.0866% | 5,025 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.6538% | 604 |
| Return on assets (ROA) | 1.6538% | 633 |
| Pretax return on assets | 1.7435% | 908 |
| Return on Equity (ROE) | 11.7971% | 1,314 |
| Retained earnings to average equity (ytd only) | 2.2492% | 4,254 |
| Net charge-offs to loans | 0.0112% | 3,896 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 282.0000% | 260 |
| Efficiency ratio | 54.4794% | 5,203 |
| Assets per employee ($millions) | 4.5966% | 2,965 |
| Cash dividends to net income (ytd only)* | 80.9346% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0770% | 3,847 |
| Loan loss allowance to noncurrent loans | 168.4685% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 0.5687% | 3,029 |
| Noncurrent loans to loans | 0.6393% | 2,937 |
| Net loans and leases to total assets | 53.3814% | 4,491 |
| Net loans and leases to deposits | 61.6688% | 4,564 |
| Net loans and leases to core deposits | 61.6688% | 4,769 |
| Total domestic deposits to total assets | 86.5614% | 2,347 |
| Equity capital to assets | 13.2428% | 1,158 |
| Core capital (leverage) ratio | 13.0540% | 1,113 |
| Tier 1 risk-based capital ratio | 37.8451% | 254 |
| Total risk-based capital ratio | 39.1006% | 251 |
| Memoranda: | ||
| Average total assets | $32,349,000 | 5,687 |
| Average earning assets | $29,589,600 | 5,667 |
| Average equity | $4,535,000 | 5,551 |
| Average total loans | $17,832,800 | 5,581 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2380% | 2,383 |
| Cost of funding earning assets | 0.3674% | 3,361 |
| Net interest margin | 3.8706% | 2,084 |
| Noninterest income to average assets | 0.2717% | 4,829 |
| Noninterest expense to average assets | 1.9099% | 5,361 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.8111% | 474 |
| Return on assets (ROA) | 1.8111% | 504 |
| Pretax return on assets | 1.9181% | 679 |
| Return on Equity (ROE) | 12.7436% | 1,117 |
| Retained earnings to average equity (ytd only) | 4.8079% | 2,952 |
| Net charge-offs to loans | 0.0149% | 3,434 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 232.7041% | 337 |
| Efficiency ratio | 49.8925% | 5,506 |
| Assets per employee ($millions) | 4.6206% | 2,889 |
| Cash dividends to net income (ytd only)* | 62.2722% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0446% | 4,157 |
| Loan loss allowance to noncurrent loans | 164.0351% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.3525% | 3,997 |
| Noncurrent loans to loans | 0.6368% | 3,105 |
| Net loans and leases to total assets | 54.7675% | 4,424 |
| Net loans and leases to deposits | 64.2580% | 4,466 |
| Net loans and leases to core deposits | 64.2580% | 4,716 |
| Total domestic deposits to total assets | 85.2306% | 2,704 |
| Equity capital to assets | 14.5869% | 847 |
| Core capital (leverage) ratio | 13.2449% | 1,091 |
| Tier 1 risk-based capital ratio | 40.1526% | 221 |
| Total risk-based capital ratio | 41.4092% | 217 |
| Memoranda: | ||
| Average total assets | $32,392,250 | 5,746 |
| Average earning assets | $29,761,750 | 5,723 |
| Average equity | $4,603,500 | 5,594 |
| Average total loans | $17,950,250 | 5,633 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2527% | 2,326 |
| Cost of funding earning assets | 0.3639% | 3,415 |
| Net interest margin | 3.8888% | 2,020 |
| Noninterest income to average assets | 0.2654% | 4,890 |
| Noninterest expense to average assets | 1.8637% | 5,512 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.8575% | 434 |
| Return on assets (ROA) | 1.8575% | 457 |
| Pretax return on assets | 1.9625% | 617 |
| Return on Equity (ROE) | 13.1863% | 984 |
| Retained earnings to average equity (ytd only) | 8.0608% | 1,152 |
| Net charge-offs to loans | 0.0223% | 3,046 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 159.0000% | 395 |
| Efficiency ratio | 48.7097% | 5,639 |
| Assets per employee ($millions) | 5.4743% | 1,816 |
| Cash dividends to net income (ytd only)* | 38.8704% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0609% | 4,162 |
| Loan loss allowance to noncurrent loans | 214.9425% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.2649% | 4,441 |
| Noncurrent loans to loans | 0.4936% | 3,599 |
| Net loans and leases to total assets | 53.0963% | 4,577 |
| Net loans and leases to deposits | 62.2191% | 4,639 |
| Net loans and leases to core deposits | 62.8197% | 4,827 |
| Total domestic deposits to total assets | 85.3376% | 2,718 |
| Equity capital to assets | 14.4766% | 880 |
| Core capital (leverage) ratio | 13.1380% | 1,103 |
| Tier 1 risk-based capital ratio | 39.9557% | 232 |
| Total risk-based capital ratio | 41.2101% | 227 |
| Memoranda: | ||
| Average total assets | $32,408,330 | 5,812 |
| Average earning assets | $29,675,330 | 5,796 |
| Average equity | $4,565,330 | 5,662 |
| Average total loans | $17,966,670 | 5,700 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2932% | 2,160 |
| Cost of funding earning assets | 0.3477% | 3,622 |
| Net interest margin | 3.9455% | 1,797 |
| Noninterest income to average assets | 0.2734% | 4,774 |
| Noninterest expense to average assets | 1.9137% | 5,505 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.9137% | 386 |
| Return on assets (ROA) | 1.9137% | 414 |
| Pretax return on assets | 2.0255% | 539 |
| Return on Equity (ROE) | 13.7792% | 881 |
| Retained earnings to average equity (ytd only) | 13.7792% | 336 |
| Net charge-offs to loans | 0.0441% | 2,127 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 81.5000% | 630 |
| Efficiency ratio | 48.5804% | 5,698 |
| Assets per employee ($millions) | 5.3637% | 1,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0779% | 4,180 |
| Loan loss allowance to noncurrent loans | 179.8077% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.3232% | 4,274 |
| Noncurrent loans to loans | 0.5995% | 3,378 |
| Net loans and leases to total assets | 53.3279% | 4,512 |
| Net loans and leases to deposits | 62.3506% | 4,558 |
| Net loans and leases to core deposits | 63.0122% | 4,753 |
| Total domestic deposits to total assets | 85.5292% | 2,902 |
| Equity capital to assets | 14.2595% | 895 |
| Core capital (leverage) ratio | 13.5245% | 976 |
| Tier 1 risk-based capital ratio | 39.0984% | 247 |
| Total risk-based capital ratio | 40.3526% | 244 |
| Memoranda: | ||
| Average total assets | $32,189,500 | 5,875 |
| Average earning assets | $29,907,500 | 5,850 |
| Average equity | $4,470,500 | 5,728 |
| Average total loans | $18,136,500 | 5,745 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2052% | 2,542 |
| Cost of funding earning assets | 0.3354% | 3,842 |
| Net interest margin | 3.8698% | 2,134 |
| Noninterest income to average assets | 0.3147% | 4,642 |
| Noninterest expense to average assets | 2.0239% | 5,411 |
| Loan and lease loss provision to assets | 0.0154% | 4,100 |
| Net operating income to assets | 1.8782% | 421 |
| Return on assets (ROA) | 1.9251% | 402 |
| Pretax return on assets | 2.0269% | 510 |
| Return on Equity (ROE) | 14.1947% | 814 |
| Retained earnings to average equity (ytd only) | 2.6843% | 4,160 |
| Net charge-offs to loans | 0.0433% | 3,350 |
| Credit loss provision to net charge-offs | 62.5000% | 3,231 |
| Earnings coverage of net charge-offs (x) | 80.7500% | 695 |
| Efficiency ratio | 50.3840% | 5,742 |
| Assets per employee ($millions) | 5.3662% | 1,936 |
| Cash dividends to net income (ytd only)* | 81.0897% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9987% | 4,632 |
| Loan loss allowance to noncurrent loans | 190.9091% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.3075% | 4,371 |
| Noncurrent loans to loans | 0.5231% | 3,599 |
| Net loans and leases to total assets | 58.1887% | 4,056 |
| Net loans and leases to deposits | 69.0030% | 4,029 |
| Net loans and leases to core deposits | 69.7843% | 4,309 |
| Total domestic deposits to total assets | 84.3277% | 3,358 |
| Equity capital to assets | 13.5168% | 1,122 |
| Core capital (leverage) ratio | 13.0613% | 1,129 |
| Tier 1 risk-based capital ratio | 37.9575% | 260 |
| Total risk-based capital ratio | 39.2112% | 256 |
| Memoranda: | ||
| Average total assets | $32,413,400 | 5,923 |
| Average earning assets | $31,009,000 | 5,880 |
| Average equity | $4,396,000 | 5,787 |
| Average total loans | $18,490,200 | 5,780 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1894% | 2,617 |
| Cost of funding earning assets | 0.3345% | 3,927 |
| Net interest margin | 3.8550% | 2,171 |
| Noninterest income to average assets | 0.2916% | 4,859 |
| Noninterest expense to average assets | 1.8726% | 5,680 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.0073% | 360 |
| Return on assets (ROA) | 2.0697% | 341 |
| Pretax return on assets | 2.1765% | 439 |
| Return on Equity (ROE) | 15.2480% | 695 |
| Retained earnings to average equity (ytd only) | 5.9902% | 2,256 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0103% | 5,922 |
| Assets per employee ($millions) | 5.2697% | 1,980 |
| Cash dividends to net income (ytd only)* | 60.7146% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0386% | 4,535 |
| Loan loss allowance to noncurrent loans | 188.2353% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 0.3226% | 4,475 |
| Noncurrent loans to loans | 0.5517% | 3,685 |
| Net loans and leases to total assets | 57.8626% | 4,161 |
| Net loans and leases to deposits | 69.3939% | 4,054 |
| Net loans and leases to core deposits | 69.3939% | 4,426 |
| Total domestic deposits to total assets | 83.3829% | 3,662 |
| Equity capital to assets | 13.9636% | 1,036 |
| Core capital (leverage) ratio | 13.3161% | 1,087 |
| Tier 1 risk-based capital ratio | 38.8996% | 264 |
| Total risk-based capital ratio | 40.1509% | 262 |
| Memoranda: | ||
| Average total assets | $32,467,500 | 6,002 |
| Average earning assets | $31,093,500 | 5,958 |
| Average equity | $4,407,000 | 5,858 |
| Average total loans | $18,381,750 | 5,857 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1441% | 2,739 |
| Cost of funding earning assets | 0.3384% | 3,945 |
| Net interest margin | 3.8056% | 2,285 |
| Noninterest income to average assets | 0.2931% | 4,867 |
| Noninterest expense to average assets | 1.8503% | 5,782 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.9774% | 378 |
| Return on assets (ROA) | 2.0702% | 336 |
| Pretax return on assets | 2.1801% | 432 |
| Return on Equity (ROE) | 15.3939% | 679 |
| Retained earnings to average equity (ytd only) | 9.1274% | 882 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0497% | 6,004 |
| Assets per employee ($millions) | 5.3205% | 1,908 |
| Cash dividends to net income (ytd only)* | 40.7080% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0404% | 4,655 |
| Loan loss allowance to noncurrent loans | 234.1463% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.2569% | 4,839 |
| Noncurrent loans to loans | 0.4443% | 4,147 |
| Net loans and leases to total assets | 57.2064% | 4,194 |
| Net loans and leases to deposits | 66.4363% | 4,296 |
| Net loans and leases to core deposits | 66.4363% | 4,615 |
| Total domestic deposits to total assets | 86.1072% | 2,640 |
| Equity capital to assets | 13.6798% | 1,097 |
| Core capital (leverage) ratio | 12.8900% | 1,214 |
| Tier 1 risk-based capital ratio | 39.9603% | 258 |
| Total risk-based capital ratio | 41.2165% | 257 |
| Memoranda: | ||
| Average total assets | $32,750,670 | 6,067 |
| Average earning assets | $31,322,000 | 6,019 |
| Average equity | $4,404,330 | 5,918 |
| Average total loans | $18,346,670 | 5,914 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1064% | 2,803 |
| Cost of funding earning assets | 0.3285% | 4,119 |
| Net interest margin | 3.7779% | 2,311 |
| Noninterest income to average assets | 0.3256% | 4,581 |
| Noninterest expense to average assets | 1.8936% | 5,768 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.9394% | 382 |
| Return on assets (ROA) | 2.1228% | 286 |
| Pretax return on assets | 2.2313% | 363 |
| Return on Equity (ROE) | 15.9168% | 578 |
| Retained earnings to average equity (ytd only) | 15.9168% | 223 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1595% | 6,014 |
| Assets per employee ($millions) | 5.4690% | 1,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0500% | 4,763 |
| Loan loss allowance to noncurrent loans | 169.9115% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 0.3444% | 4,625 |
| Noncurrent loans to loans | 0.6180% | 3,722 |
| Net loans and leases to total assets | 55.1381% | 4,302 |
| Net loans and leases to deposits | 63.9283% | 4,376 |
| Net loans and leases to core deposits | 63.9283% | 4,705 |
| Total domestic deposits to total assets | 86.2498% | 2,794 |
| Equity capital to assets | 13.5400% | 1,155 |
| Core capital (leverage) ratio | 12.5328% | 1,350 |
| Tier 1 risk-based capital ratio | 39.4189% | 267 |
| Total risk-based capital ratio | 40.6748% | 266 |
| Memoranda: | ||
| Average total assets | $33,164,500 | 6,119 |
| Average earning assets | $31,658,000 | 6,072 |
| Average equity | $4,423,000 | 5,963 |
| Average total loans | $18,293,000 | 5,964 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1627% | 3,073 |
| Cost of funding earning assets | 0.3911% | 3,775 |
| Net interest margin | 3.7716% | 2,725 |
| Noninterest income to average assets | 0.3799% | 4,342 |
| Noninterest expense to average assets | 2.0364% | 5,707 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.8510% | 427 |
| Return on assets (ROA) | 1.8510% | 443 |
| Pretax return on assets | 1.9482% | 561 |
| Return on Equity (ROE) | 14.4019% | 864 |
| Retained earnings to average equity (ytd only) | 2.3648% | 4,549 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1060% | 6,037 |
| Assets per employee ($millions) | 5.5858% | 1,698 |
| Cash dividends to net income (ytd only)* | 83.5796% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0491% | 4,813 |
| Loan loss allowance to noncurrent loans | 144.3609% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 0.6326% | 3,678 |
| Noncurrent loans to loans | 0.7267% | 3,505 |
| Net loans and leases to total assets | 54.0325% | 4,577 |
| Net loans and leases to deposits | 62.3481% | 4,696 |
| Net loans and leases to core deposits | 62.3481% | 4,976 |
| Total domestic deposits to total assets | 86.6627% | 2,479 |
| Equity capital to assets | 13.1374% | 1,299 |
| Core capital (leverage) ratio | 12.1225% | 1,547 |
| Tier 1 risk-based capital ratio | 23.1423% | 1,065 |
| Total risk-based capital ratio | 24.2449% | 1,060 |
| Memoranda: | ||
| Average total assets | $32,901,800 | 6,198 |
| Average earning assets | $31,445,800 | 6,155 |
| Average equity | $4,228,600 | 6,045 |
| Average total loans | $17,583,200 | 6,061 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1347% | 3,238 |
| Cost of funding earning assets | 0.4049% | 3,733 |
| Net interest margin | 3.7298% | 2,907 |
| Noninterest income to average assets | 0.3827% | 4,378 |
| Noninterest expense to average assets | 1.9339% | 5,894 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.9257% | 403 |
| Return on assets (ROA) | 1.9257% | 413 |
| Pretax return on assets | 2.0112% | 550 |
| Return on Equity (ROE) | 15.0693% | 815 |
| Retained earnings to average equity (ytd only) | 5.7345% | 2,583 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0196% | 6,155 |
| Assets per employee ($millions) | 5.4658% | 1,755 |
| Cash dividends to net income (ytd only)* | 61.9456% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0794% | 4,843 |
| Loan loss allowance to noncurrent loans | 87.6712% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 0.9117% | 3,166 |
| Noncurrent loans to loans | 1.2312% | 2,582 |
| Net loans and leases to total assets | 53.6515% | 4,617 |
| Net loans and leases to deposits | 64.2224% | 4,512 |
| Net loans and leases to core deposits | 64.2224% | 4,860 |
| Total domestic deposits to total assets | 83.5402% | 3,935 |
| Equity capital to assets | 13.3496% | 1,255 |
| Core capital (leverage) ratio | 12.5198% | 1,391 |
| Tier 1 risk-based capital ratio | 24.4685% | 937 |
| Total risk-based capital ratio | 25.6119% | 928 |
| Memoranda: | ||
| Average total assets | $32,748,500 | 6,278 |
| Average earning assets | $31,279,250 | 6,234 |
| Average equity | $4,185,000 | 6,116 |
| Average total loans | $17,403,750 | 6,131 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1303% | 3,229 |
| Cost of funding earning assets | 0.4297% | 3,552 |
| Net interest margin | 3.7006% | 2,963 |
| Noninterest income to average assets | 0.4033% | 4,217 |
| Noninterest expense to average assets | 1.9308% | 5,948 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.9124% | 403 |
| Return on assets (ROA) | 1.9124% | 420 |
| Pretax return on assets | 1.9980% | 557 |
| Return on Equity (ROE) | 15.1917% | 764 |
| Retained earnings to average equity (ytd only) | 9.0277% | 977 |
| Net charge-offs to loans | 0.0116% | 4,018 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 327.0000% | 213 |
| Efficiency ratio | 49.1446% | 6,216 |
| Assets per employee ($millions) | 5.5297% | 1,670 |
| Cash dividends to net income (ytd only)* | 40.5751% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1047% | 4,887 |
| Loan loss allowance to noncurrent loans | 102.6882% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 0.8017% | 3,559 |
| Noncurrent loans to loans | 1.0758% | 3,079 |
| Net loans and leases to total assets | 51.5372% | 4,793 |
| Net loans and leases to deposits | 59.4686% | 4,910 |
| Net loans and leases to core deposits | 59.4686% | 5,164 |
| Total domestic deposits to total assets | 86.6628% | 2,661 |
| Equity capital to assets | 13.1322% | 1,306 |
| Core capital (leverage) ratio | 12.4062% | 1,440 |
| Tier 1 risk-based capital ratio | 24.7892% | 891 |
| Total risk-based capital ratio | 25.9398% | 890 |
| Memoranda: | ||
| Average total assets | $32,733,000 | 6,334 |
| Average earning assets | $31,184,000 | 6,295 |
| Average equity | $4,120,670 | 6,174 |
| Average total loans | $17,276,000 | 6,187 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1693% | 2,987 |
| Cost of funding earning assets | 0.4362% | 3,584 |
| Net interest margin | 3.7332% | 2,736 |
| Noninterest income to average assets | 0.4921% | 3,477 |
| Noninterest expense to average assets | 2.0301% | 5,824 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.9563% | 365 |
| Return on assets (ROA) | 1.9563% | 381 |
| Pretax return on assets | 2.0424% | 487 |
| Return on Equity (ROE) | 15.8901% | 652 |
| Retained earnings to average equity (ytd only) | 15.8901% | 274 |
| Net charge-offs to loans | 0.0232% | 3,111 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 166.0000% | 298 |
| Efficiency ratio | 49.8489% | 6,263 |
| Assets per employee ($millions) | 5.4140% | 1,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1201% | 5,028 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 51.9056% | 4,685 |
| Net loans and leases to deposits | 59.6976% | 4,794 |
| Net loans and leases to core deposits | 59.6976% | 5,065 |
| Total domestic deposits to total assets | 86.9474% | 2,847 |
| Equity capital to assets | 12.8432% | 1,386 |
| Core capital (leverage) ratio | 12.6184% | 1,332 |
| Tier 1 risk-based capital ratio | 24.9969% | 889 |
| Total risk-based capital ratio | 26.1646% | 883 |
| Memoranda: | ||
| Average total assets | $32,510,500 | 6,404 |
| Average earning assets | $31,180,000 | 6,358 |
| Average equity | $4,002,500 | 6,251 |
| Average total loans | $17,269,000 | 6,246 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0782% | 3,825 |
| Cost of funding earning assets | 0.5275% | 3,319 |
| Net interest margin | 3.5507% | 3,677 |
| Noninterest income to average assets | 0.3573% | 4,745 |
| Noninterest expense to average assets | 1.9833% | 6,060 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.5578% | 744 |
| Return on assets (ROA) | 1.6441% | 648 |
| Pretax return on assets | 1.7259% | 901 |
| Return on Equity (ROE) | 12.8393% | 1,198 |
| Retained earnings to average equity (ytd only) | 1.8916% | 4,888 |
| Net charge-offs to loans | 0.0062% | 5,341 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 540.0000% | 68 |
| Efficiency ratio | 54.8117% | 6,069 |
| Assets per employee ($millions) | 5.4228% | 1,734 |
| Cash dividends to net income (ytd only)* | 85.2670% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0980% | 5,162 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1875% | 5,748 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 53.1518% | 4,701 |
| Net loans and leases to deposits | 61.9790% | 4,723 |
| Net loans and leases to core deposits | 61.9790% | 5,059 |
| Total domestic deposits to total assets | 85.7578% | 3,385 |
| Equity capital to assets | 11.7804% | 1,960 |
| Core capital (leverage) ratio | 11.9897% | 1,614 |
| Tier 1 risk-based capital ratio | 23.4515% | 1,022 |
| Total risk-based capital ratio | 24.5972% | 1,020 |
| Memoranda: | ||
| Average total assets | $33,026,400 | 6,459 |
| Average earning assets | $30,332,000 | 6,444 |
| Average equity | $4,229,200 | 6,277 |
| Average total loans | $16,240,600 | 6,360 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0339% | 3,999 |
| Cost of funding earning assets | 0.5497% | 3,265 |
| Net interest margin | 3.4842% | 3,950 |
| Noninterest income to average assets | 0.3459% | 4,921 |
| Noninterest expense to average assets | 1.8542% | 6,248 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.5787% | 781 |
| Return on assets (ROA) | 1.6933% | 658 |
| Pretax return on assets | 1.7738% | 954 |
| Return on Equity (ROE) | 12.9688% | 1,242 |
| Retained earnings to average equity (ytd only) | 4.9288% | 3,136 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8670% | 6,191 |
| Assets per employee ($millions) | 5.3513% | 1,794 |
| Cash dividends to net income (ytd only)* | 61.9949% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1477% | 5,132 |
| Loan loss allowance to noncurrent loans | 877.2727% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.4360% | 5,124 |
| Noncurrent loans to loans | 0.1308% | 5,924 |
| Net loans and leases to total assets | 51.7721% | 4,897 |
| Net loans and leases to deposits | 59.1082% | 5,084 |
| Net loans and leases to core deposits | 59.6705% | 5,325 |
| Total domestic deposits to total assets | 87.5888% | 2,364 |
| Equity capital to assets | 11.9285% | 1,960 |
| Core capital (leverage) ratio | 11.9848% | 1,679 |
| Tier 1 risk-based capital ratio | 24.5515% | 930 |
| Total risk-based capital ratio | 25.7332% | 918 |
| Memoranda: | ||
| Average total assets | $33,148,750 | 6,529 |
| Average earning assets | $30,077,500 | 6,516 |
| Average equity | $4,328,250 | 6,332 |
| Average total loans | $15,929,250 | 6,441 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0452% | 3,940 |
| Cost of funding earning assets | 0.5693% | 3,226 |
| Net interest margin | 3.4760% | 3,897 |
| Noninterest income to average assets | 0.3463% | 4,921 |
| Noninterest expense to average assets | 1.8092% | 6,359 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.5644% | 799 |
| Return on assets (ROA) | 1.5644% | 867 |
| Pretax return on assets | 1.6360% | 1,263 |
| Return on Equity (ROE) | 11.6591% | 1,587 |
| Retained earnings to average equity (ytd only) | 7.1646% | 1,813 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5130% | 6,254 |
| Assets per employee ($millions) | 5.6372% | 1,471 |
| Cash dividends to net income (ytd only)* | 38.5496% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2726% | 4,631 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3489% | 5,439 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 44.2687% | 5,717 |
| Net loans and leases to deposits | 51.0867% | 5,765 |
| Net loans and leases to core deposits | 51.5510% | 5,920 |
| Total domestic deposits to total assets | 86.6541% | 3,024 |
| Equity capital to assets | 13.1508% | 1,282 |
| Core capital (leverage) ratio | 11.9308% | 1,652 |
| Tier 1 risk-based capital ratio | 25.6885% | 801 |
| Total risk-based capital ratio | 26.9246% | 785 |
| Memoranda: | ||
| Average total assets | $33,495,670 | 6,567 |
| Average earning assets | $29,862,330 | 6,565 |
| Average equity | $4,494,330 | 6,334 |
| Average total loans | $15,633,670 | 6,492 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1384% | 3,565 |
| Cost of funding earning assets | 0.5970% | 3,133 |
| Net interest margin | 3.5414% | 3,513 |
| Noninterest income to average assets | 0.3240% | 5,110 |
| Noninterest expense to average assets | 1.8241% | 6,404 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5721% | 747 |
| Return on assets (ROA) | 1.5721% | 808 |
| Pretax return on assets | 1.6321% | 1,231 |
| Return on Equity (ROE) | 11.5993% | 1,529 |
| Retained earnings to average equity (ytd only) | 11.5993% | 761 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7778% | 6,333 |
| Assets per employee ($millions) | 4.8739% | 2,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2506% | 4,945 |
| Loan loss allowance to noncurrent loans | 80.7531% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 1.2340% | 3,506 |
| Noncurrent loans to loans | 1.5487% | 3,228 |
| Net loans and leases to total assets | 44.6669% | 5,593 |
| Net loans and leases to deposits | 51.7190% | 5,650 |
| Net loans and leases to core deposits | 52.6572% | 5,772 |
| Total domestic deposits to total assets | 86.3646% | 3,323 |
| Equity capital to assets | 13.4918% | 1,214 |
| Core capital (leverage) ratio | 11.9806% | 1,574 |
| Tier 1 risk-based capital ratio | 25.7418% | 816 |
| Total risk-based capital ratio | 26.9895% | 804 |
| Memoranda: | ||
| Average total assets | $33,332,000 | 6,637 |
| Average earning assets | $29,480,000 | 6,631 |
| Average equity | $4,517,500 | 6,387 |
| Average total loans | $15,867,500 | 6,540 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5600% | 3,166 |
| Cost of funding earning assets | 0.7425% | 3,139 |
| Net interest margin | 3.8175% | 3,150 |
| Noninterest income to average assets | 0.3566% | 4,923 |
| Noninterest expense to average assets | 1.9631% | 6,391 |
| Loan and lease loss provision to assets | 0.0155% | 5,709 |
| Net operating income to assets | 1.6685% | 660 |
| Return on assets (ROA) | 1.6685% | 738 |
| Pretax return on assets | 1.7584% | 1,001 |
| Return on Equity (ROE) | 12.0079% | 1,509 |
| Retained earnings to average equity (ytd only) | 1.8525% | 4,915 |
| Net charge-offs to loans | -0.0062% | 6,406 |
| Credit loss provision to net charge-offs | -500.0000% | 6,518 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5311% | 6,415 |
| Assets per employee ($millions) | 5.4245% | 1,760 |
| Cash dividends to net income (ytd only)* | 84.5725% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1838% | 5,192 |
| Loan loss allowance to noncurrent loans | 193.0000% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.5039% | 5,207 |
| Noncurrent loans to loans | 0.6134% | 4,979 |
| Net loans and leases to total assets | 49.4976% | 5,237 |
| Net loans and leases to deposits | 57.4045% | 5,305 |
| Net loans and leases to core deposits | 58.4946% | 5,498 |
| Total domestic deposits to total assets | 86.2261% | 3,239 |
| Equity capital to assets | 13.6172% | 1,184 |
| Core capital (leverage) ratio | 11.9413% | 1,601 |
| Tier 1 risk-based capital ratio | 24.6637% | 889 |
| Total risk-based capital ratio | 25.9001% | 875 |
| Memoranda: | ||
| Average total assets | $32,245,000 | 6,701 |
| Average earning assets | $28,552,400 | 6,699 |
| Average equity | $4,480,400 | 6,447 |
| Average total loans | $16,168,800 | 6,589 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6111% | 3,162 |
| Cost of funding earning assets | 0.7787% | 3,126 |
| Net interest margin | 3.8324% | 3,192 |
| Noninterest income to average assets | 0.3440% | 5,058 |
| Noninterest expense to average assets | 1.8444% | 6,624 |
| Loan and lease loss provision to assets | 0.0207% | 5,535 |
| Net operating income to assets | 1.7781% | 598 |
| Return on assets (ROA) | 1.7781% | 663 |
| Pretax return on assets | 1.8651% | 934 |
| Return on Equity (ROE) | 12.7321% | 1,405 |
| Retained earnings to average equity (ytd only) | 4.6595% | 3,616 |
| Net charge-offs to loans | -0.0082% | 6,333 |
| Credit loss provision to net charge-offs | -500.0000% | 6,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4444% | 6,630 |
| Assets per employee ($millions) | 5.3397% | 1,796 |
| Cash dividends to net income (ytd only)* | 63.4032% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2285% | 5,152 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2029% | 6,207 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 48.4331% | 5,496 |
| Net loans and leases to deposits | 56.5406% | 5,583 |
| Net loans and leases to core deposits | 57.6347% | 5,756 |
| Total domestic deposits to total assets | 85.6608% | 3,434 |
| Equity capital to assets | 14.1800% | 1,088 |
| Core capital (leverage) ratio | 12.0628% | 1,619 |
| Tier 1 risk-based capital ratio | 25.4655% | 869 |
| Total risk-based capital ratio | 26.7177% | 854 |
| Memoranda: | ||
| Average total assets | $32,169,500 | 6,788 |
| Average earning assets | $28,423,500 | 6,789 |
| Average equity | $4,492,500 | 6,513 |
| Average total loans | $16,135,250 | 6,677 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6672% | 3,064 |
| Cost of funding earning assets | 0.8132% | 3,091 |
| Net interest margin | 3.8540% | 3,118 |
| Noninterest income to average assets | 0.3601% | 4,957 |
| Noninterest expense to average assets | 1.8564% | 6,674 |
| Loan and lease loss provision to assets | 0.0310% | 5,278 |
| Net operating income to assets | 1.7757% | 589 |
| Return on assets (ROA) | 1.7757% | 660 |
| Pretax return on assets | 1.8564% | 925 |
| Return on Equity (ROE) | 12.7802% | 1,421 |
| Retained earnings to average equity (ytd only) | 7.5073% | 1,865 |
| Net charge-offs to loans | -0.0123% | 6,322 |
| Credit loss provision to net charge-offs | -500.0000% | 6,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5854% | 6,673 |
| Assets per employee ($millions) | 5.5253% | 1,596 |
| Cash dividends to net income (ytd only)* | 41.2587% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2115% | 5,303 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1961% | 6,291 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 47.4722% | 5,665 |
| Net loans and leases to deposits | 55.0607% | 5,764 |
| Net loans and leases to core deposits | 56.0810% | 5,934 |
| Total domestic deposits to total assets | 86.2180% | 3,239 |
| Equity capital to assets | 13.6191% | 1,254 |
| Core capital (leverage) ratio | 11.7302% | 1,762 |
| Tier 1 risk-based capital ratio | 25.9856% | 805 |
| Total risk-based capital ratio | 27.2601% | 790 |
| Memoranda: | ||
| Average total assets | $32,213,330 | 6,838 |
| Average earning assets | $28,282,330 | 6,846 |
| Average equity | $4,475,670 | 6,550 |
| Average total loans | $16,277,000 | 6,720 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7703% | 2,761 |
| Cost of funding earning assets | 0.8327% | 3,204 |
| Net interest margin | 3.9376% | 2,775 |
| Noninterest income to average assets | 0.3402% | 5,132 |
| Noninterest expense to average assets | 1.8649% | 6,708 |
| Loan and lease loss provision to assets | 0.0630% | 4,633 |
| Net operating income to assets | 1.8523% | 535 |
| Return on assets (ROA) | 1.8523% | 608 |
| Pretax return on assets | 1.9279% | 831 |
| Return on Equity (ROE) | 13.1957% | 1,354 |
| Retained earnings to average equity (ytd only) | 13.1957% | 657 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3660% | 6,776 |
| Assets per employee ($millions) | 5.3985% | 1,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1990% | 5,492 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2038% | 6,379 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 48.8438% | 5,448 |
| Net loans and leases to deposits | 56.9490% | 5,493 |
| Net loans and leases to core deposits | 58.0289% | 5,713 |
| Total domestic deposits to total assets | 85.7677% | 3,653 |
| Equity capital to assets | 14.0749% | 1,002 |
| Core capital (leverage) ratio | 12.6140% | 1,286 |
| Tier 1 risk-based capital ratio | 25.9946% | 805 |
| Total risk-based capital ratio | 27.2697% | 786 |
| Memoranda: | ||
| Average total assets | $31,744,000 | 6,904 |
| Average earning assets | $28,342,000 | 6,896 |
| Average equity | $4,456,000 | 6,595 |
| Average total loans | $16,450,000 | 6,771 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9364% | 3,174 |
| Cost of funding earning assets | 0.8956% | 4,151 |
| Net interest margin | 4.0409% | 2,678 |
| Noninterest income to average assets | 0.4003% | 4,611 |
| Noninterest expense to average assets | 2.1275% | 6,433 |
| Loan and lease loss provision to assets | 0.0420% | 6,048 |
| Net operating income to assets | 1.7788% | 479 |
| Return on assets (ROA) | 1.7788% | 522 |
| Pretax return on assets | 1.8725% | 707 |
| Return on Equity (ROE) | 12.9836% | 1,170 |
| Retained earnings to average equity (ytd only) | 1.9794% | 4,806 |
| Net charge-offs to loans | 0.0063% | 6,342 |
| Credit loss provision to net charge-offs | 1,300.0000% | 167 |
| Earnings coverage of net charge-offs (x) | 593.0000% | 49 |
| Efficiency ratio | 52.6358% | 6,649 |
| Assets per employee ($millions) | 5.1828% | 1,962 |
| Cash dividends to net income (ytd only)* | 84.7550% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1074% | 5,786 |
| Loan loss allowance to noncurrent loans | 2,337.5000% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.4856% | 5,758 |
| Noncurrent loans to loans | 0.0474% | 6,708 |
| Net loans and leases to total assets | 53.7029% | 5,084 |
| Net loans and leases to deposits | 62.5656% | 5,169 |
| Net loans and leases to core deposits | 64.4141% | 5,426 |
| Total domestic deposits to total assets | 85.8346% | 3,415 |
| Equity capital to assets | 13.9981% | 1,064 |
| Core capital (leverage) ratio | 12.0213% | 1,580 |
| Tier 1 risk-based capital ratio | 24.3724% | 938 |
| Total risk-based capital ratio | 25.5823% | 928 |
| Memoranda: | ||
| Average total assets | $30,975,200 | 6,940 |
| Average earning assets | $27,914,800 | 6,925 |
| Average equity | $4,243,800 | 6,679 |
| Average total loans | $15,993,200 | 6,849 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9481% | 3,338 |
| Cost of funding earning assets | 0.9163% | 4,294 |
| Net interest margin | 4.0318% | 2,769 |
| Noninterest income to average assets | 0.3921% | 4,722 |
| Noninterest expense to average assets | 2.1155% | 6,478 |
| Loan and lease loss provision to assets | 0.0560% | 5,743 |
| Net operating income to assets | 1.7192% | 597 |
| Return on assets (ROA) | 1.7192% | 655 |
| Pretax return on assets | 1.8226% | 916 |
| Return on Equity (ROE) | 12.6169% | 1,380 |
| Retained earnings to average equity (ytd only) | 4.4902% | 3,526 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9666% | 6,598 |
| Assets per employee ($millions) | 5.2243% | 1,896 |
| Cash dividends to net income (ytd only)* | 64.4110% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1642% | 5,621 |
| Loan loss allowance to noncurrent loans | 18,800.0000% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.4690% | 5,909 |
| Noncurrent loans to loans | 0.0062% | 6,951 |
| Net loans and leases to total assets | 50.9156% | 5,595 |
| Net loans and leases to deposits | 59.4436% | 5,696 |
| Net loans and leases to core deposits | 61.1799% | 5,889 |
| Total domestic deposits to total assets | 85.6537% | 3,413 |
| Equity capital to assets | 14.1549% | 1,097 |
| Core capital (leverage) ratio | 12.1006% | 1,649 |
| Tier 1 risk-based capital ratio | 25.5784% | 866 |
| Total risk-based capital ratio | 26.8289% | 854 |
| Memoranda: | ||
| Average total assets | $30,944,750 | 7,009 |
| Average earning assets | $27,646,250 | 7,004 |
| Average equity | $4,216,500 | 6,736 |
| Average total loans | $15,769,750 | 6,931 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9587% | 3,362 |
| Cost of funding earning assets | 0.9375% | 4,407 |
| Net interest margin | 4.0212% | 2,737 |
| Noninterest income to average assets | 0.3635% | 4,967 |
| Noninterest expense to average assets | 2.1875% | 6,413 |
| Loan and lease loss provision to assets | 0.0844% | 5,258 |
| Net operating income to assets | 1.5514% | 802 |
| Return on assets (ROA) | 1.5514% | 855 |
| Pretax return on assets | 1.6553% | 1,147 |
| Return on Equity (ROE) | 11.5375% | 1,623 |
| Retained earnings to average equity (ytd only) | 6.9515% | 1,902 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7025% | 6,450 |
| Assets per employee ($millions) | 5.2072% | 1,865 |
| Cash dividends to net income (ytd only)* | 39.7490% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1825% | 5,622 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2657% | 6,465 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 50.2833% | 5,786 |
| Net loans and leases to deposits | 58.4210% | 5,883 |
| Net loans and leases to core deposits | 58.9803% | 6,194 |
| Total domestic deposits to total assets | 86.0705% | 3,288 |
| Equity capital to assets | 13.7471% | 1,181 |
| Core capital (leverage) ratio | 12.2058% | 1,500 |
| Tier 1 risk-based capital ratio | 25.9194% | 820 |
| Total risk-based capital ratio | 27.1927% | 802 |
| Memoranda: | ||
| Average total assets | $30,811,000 | 7,082 |
| Average earning assets | $27,305,330 | 7,075 |
| Average equity | $4,143,000 | 6,803 |
| Average total loans | $15,643,670 | 7,001 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0104% | 3,063 |
| Cost of funding earning assets | 0.9693% | 4,428 |
| Net interest margin | 4.0412% | 2,511 |
| Noninterest income to average assets | 0.3399% | 5,190 |
| Noninterest expense to average assets | 2.2357% | 6,339 |
| Loan and lease loss provision to assets | 0.0392% | 5,504 |
| Net operating income to assets | 1.5035% | 867 |
| Return on assets (ROA) | 1.5035% | 912 |
| Pretax return on assets | 1.6081% | 1,170 |
| Return on Equity (ROE) | 11.3105% | 1,641 |
| Retained earnings to average equity (ytd only) | 11.3105% | 836 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5758% | 6,316 |
| Assets per employee ($millions) | 4.4763% | 2,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1728% | 5,759 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2745% | 6,498 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 47.8713% | 6,091 |
| Net loans and leases to deposits | 55.2568% | 6,196 |
| Net loans and leases to core deposits | 55.7787% | 6,430 |
| Total domestic deposits to total assets | 86.6343% | 3,162 |
| Equity capital to assets | 13.1838% | 1,306 |
| Core capital (leverage) ratio | 12.3340% | 1,397 |
| Tier 1 risk-based capital ratio | 26.3933% | 750 |
| Total risk-based capital ratio | 27.6442% | 736 |
| Memoranda: | ||
| Average total assets | $30,595,000 | 7,136 |
| Average earning assets | $26,824,000 | 7,142 |
| Average equity | $4,067,000 | 6,861 |
| Average total loans | $15,516,500 | 7,060 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1952% | 3,632 |
| Cost of funding earning assets | 1.0599% | 5,369 |
| Net interest margin | 4.1353% | 2,428 |
| Noninterest income to average assets | 0.4334% | 4,651 |
| Noninterest expense to average assets | 2.3528% | 6,212 |
| Loan and lease loss provision to assets | 0.0391% | 6,769 |
| Net operating income to assets | 1.8216% | 393 |
| Return on assets (ROA) | 1.8216% | 428 |
| Pretax return on assets | 1.9194% | 588 |
| Return on Equity (ROE) | 13.9443% | 889 |
| Retained earnings to average equity (ytd only) | 2.4446% | 4,168 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5729% | 6,753 |
| Assets per employee ($millions) | 4.2651% | 3,271 |
| Cash dividends to net income (ytd only)* | 82.4687% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1038% | 5,941 |
| Loan loss allowance to noncurrent loans | 205.8824% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.2847% | 6,538 |
| Noncurrent loans to loans | 0.5361% | 5,975 |
| Net loans and leases to total assets | 52.5188% | 5,848 |
| Net loans and leases to deposits | 60.7846% | 5,973 |
| Net loans and leases to core deposits | 62.0057% | 6,239 |
| Total domestic deposits to total assets | 86.4014% | 3,138 |
| Equity capital to assets | 13.4077% | 1,217 |
| Core capital (leverage) ratio | 12.0936% | 1,484 |
| Tier 1 risk-based capital ratio | 25.6888% | 787 |
| Total risk-based capital ratio | 26.9094% | 764 |
| Memoranda: | ||
| Average total assets | $30,686,600 | 7,183 |
| Average earning assets | $28,776,600 | 7,134 |
| Average equity | $4,008,800 | 6,999 |
| Average total loans | $16,131,800 | 7,116 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2407% | 3,627 |
| Cost of funding earning assets | 1.0857% | 5,516 |
| Net interest margin | 4.1550% | 2,388 |
| Noninterest income to average assets | 0.3841% | 5,082 |
| Noninterest expense to average assets | 2.1880% | 6,639 |
| Loan and lease loss provision to assets | 0.0388% | 6,692 |
| Net operating income to assets | 1.9464% | 371 |
| Return on assets (ROA) | 1.9464% | 408 |
| Pretax return on assets | 2.0716% | 536 |
| Return on Equity (ROE) | 14.9946% | 857 |
| Retained earnings to average equity (ytd only) | 5.0204% | 2,977 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9036% | 7,080 |
| Assets per employee ($millions) | 4.3306% | 3,202 |
| Cash dividends to net income (ytd only)* | 66.5187% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0806% | 6,016 |
| Loan loss allowance to noncurrent loans | 202.3529% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.2804% | 6,677 |
| Noncurrent loans to loans | 0.5340% | 6,137 |
| Net loans and leases to total assets | 51.9397% | 6,112 |
| Net loans and leases to deposits | 60.3465% | 6,282 |
| Net loans and leases to core deposits | 61.5376% | 6,496 |
| Total domestic deposits to total assets | 86.0691% | 3,036 |
| Equity capital to assets | 13.7230% | 1,267 |
| Core capital (leverage) ratio | 12.1326% | 1,596 |
| Tier 1 risk-based capital ratio | 25.9607% | 775 |
| Total risk-based capital ratio | 27.1559% | 767 |
| Memoranda: | ||
| Average total assets | $30,894,250 | 7,258 |
| Average earning assets | $29,104,750 | 7,207 |
| Average equity | $4,010,250 | 7,088 |
| Average total loans | $16,201,000 | 7,203 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1834% | 4,032 |
| Cost of funding earning assets | 1.1292% | 5,525 |
| Net interest margin | 4.0542% | 2,770 |
| Noninterest income to average assets | 0.3731% | 5,151 |
| Noninterest expense to average assets | 2.2195% | 6,602 |
| Loan and lease loss provision to assets | 0.0386% | 6,574 |
| Net operating income to assets | 1.8271% | 462 |
| Return on assets (ROA) | 1.8271% | 502 |
| Pretax return on assets | 1.9493% | 667 |
| Return on Equity (ROE) | 14.3422% | 966 |
| Retained earnings to average equity (ytd only) | 8.8881% | 1,139 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7523% | 7,006 |
| Assets per employee ($millions) | 4.4444% | 2,972 |
| Cash dividends to net income (ytd only)* | 38.0282% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0594% | 6,142 |
| Loan loss allowance to noncurrent loans | 198.8235% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.2732% | 6,725 |
| Noncurrent loans to loans | 0.5328% | 6,186 |
| Net loans and leases to total assets | 50.7313% | 6,348 |
| Net loans and leases to deposits | 58.4664% | 6,543 |
| Net loans and leases to core deposits | 59.0151% | 6,764 |
| Total domestic deposits to total assets | 86.7700% | 2,668 |
| Equity capital to assets | 13.0404% | 1,552 |
| Core capital (leverage) ratio | 11.9786% | 1,651 |
| Tier 1 risk-based capital ratio | 25.7565% | 790 |
| Total risk-based capital ratio | 26.9136% | 782 |
| Memoranda: | ||
| Average total assets | $31,087,670 | 7,307 |
| Average earning assets | $29,401,330 | 7,247 |
| Average equity | $3,960,330 | 7,138 |
| Average total loans | $16,295,670 | 7,252 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2255% | 3,894 |
| Cost of funding earning assets | 1.1733% | 5,538 |
| Net interest margin | 4.0521% | 2,640 |
| Noninterest income to average assets | 0.3089% | 5,674 |
| Noninterest expense to average assets | 2.3040% | 6,363 |
| Loan and lease loss provision to assets | 0.0386% | 6,290 |
| Net operating income to assets | 1.6733% | 650 |
| Return on assets (ROA) | 1.6733% | 699 |
| Pretax return on assets | 1.7892% | 894 |
| Return on Equity (ROE) | 13.2924% | 1,195 |
| Retained earnings to average equity (ytd only) | 13.2924% | 583 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7632% | 6,796 |
| Assets per employee ($millions) | 3.8795% | 4,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0125% | 6,395 |
| Loan loss allowance to noncurrent loans | 102.4691% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 0.5252% | 6,188 |
| Noncurrent loans to loans | 0.9881% | 5,347 |
| Net loans and leases to total assets | 52.2909% | 6,239 |
| Net loans and leases to deposits | 60.1252% | 6,456 |
| Net loans and leases to core deposits | 60.7123% | 6,693 |
| Total domestic deposits to total assets | 86.9700% | 2,638 |
| Equity capital to assets | 12.8206% | 1,593 |
| Core capital (leverage) ratio | 12.0519% | 1,632 |
| Tier 1 risk-based capital ratio | 24.8512% | 884 |
| Total risk-based capital ratio | 25.9616% | 872 |
| Memoranda: | ||
| Average total assets | $31,076,000 | 7,403 |
| Average earning assets | $29,318,000 | 7,345 |
| Average equity | $3,912,000 | 7,216 |
| Average total loans | $16,467,500 | 7,336 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6585% | 3,301 |
| Cost of funding earning assets | 1.3996% | 5,933 |
| Net interest margin | 4.2589% | 1,859 |
| Noninterest income to average assets | 0.3371% | 5,679 |
| Noninterest expense to average assets | 2.3132% | 6,714 |
| Loan and lease loss provision to assets | 0.0094% | 7,382 |
| Net operating income to assets | 1.8948% | 290 |
| Return on assets (ROA) | 1.8948% | 300 |
| Pretax return on assets | 1.9947% | 405 |
| Return on Equity (ROE) | 16.0531% | 550 |
| Retained earnings to average equity (ytd only) | 2.9885% | 3,077 |
| Net charge-offs to loans | 0.0661% | 6,449 |
| Credit loss provision to net charge-offs | 27.2727% | 6,909 |
| Earnings coverage of net charge-offs (x) | 58.3636% | 455 |
| Efficiency ratio | 53.5792% | 7,269 |
| Assets per employee ($millions) | 4.4451% | 3,025 |
| Cash dividends to net income (ytd only)* | 81.3839% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9855% | 6,466 |
| Loan loss allowance to noncurrent loans | 181.1111% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.2892% | 6,725 |
| Noncurrent loans to loans | 0.5441% | 6,155 |
| Net loans and leases to total assets | 52.6321% | 6,348 |
| Net loans and leases to deposits | 60.7163% | 6,585 |
| Net loans and leases to core deposits | 72.2695% | 6,644 |
| Total domestic deposits to total assets | 86.6853% | 2,658 |
| Equity capital to assets | 12.3570% | 1,817 |
| Core capital (leverage) ratio | 11.2435% | 2,079 |
| Tier 1 risk-based capital ratio | 23.7921% | 967 |
| Total risk-based capital ratio | 24.8739% | 964 |
| Memoranda: | ||
| Average total assets | $32,034,200 | 7,401 |
| Average earning assets | $29,937,400 | 7,362 |
| Average equity | $3,781,200 | 7,357 |
| Average total loans | $16,639,400 | 7,374 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7103% | 3,291 |
| Cost of funding earning assets | 1.4587% | 6,006 |
| Net interest margin | 4.2516% | 1,867 |
| Noninterest income to average assets | 0.3306% | 5,844 |
| Noninterest expense to average assets | 2.1737% | 7,041 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.0208% | 280 |
| Return on assets (ROA) | 2.0208% | 301 |
| Pretax return on assets | 2.1076% | 434 |
| Return on Equity (ROE) | 17.3157% | 514 |
| Retained earnings to average equity (ytd only) | 5.8782% | 2,010 |
| Net charge-offs to loans | 0.0880% | 5,807 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 46.3517% | 677 |
| Efficiency ratio | 50.7722% | 7,502 |
| Assets per employee ($millions) | 4.5616% | 2,762 |
| Cash dividends to net income (ytd only)* | 66.0542% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9855% | 6,381 |
| Loan loss allowance to noncurrent loans | 161.6162% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.3100% | 6,712 |
| Noncurrent loans to loans | 0.6098% | 6,086 |
| Net loans and leases to total assets | 50.3429% | 6,752 |
| Net loans and leases to deposits | 57.5031% | 6,996 |
| Net loans and leases to core deposits | 68.8319% | 7,027 |
| Total domestic deposits to total assets | 87.5482% | 1,865 |
| Equity capital to assets | 12.2201% | 2,108 |
| Core capital (leverage) ratio | 11.0089% | 2,399 |
| Tier 1 risk-based capital ratio | 24.3426% | 972 |
| Total risk-based capital ratio | 25.4132% | 963 |
| Memoranda: | ||
| Average total assets | $32,263,750 | 7,454 |
| Average earning assets | $29,980,250 | 7,416 |
| Average equity | $3,765,250 | 7,430 |
| Average total loans | $16,664,250 | 7,436 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7689% | 3,198 |
| Cost of funding earning assets | 1.5330% | 6,005 |
| Net interest margin | 4.2359% | 1,859 |
| Noninterest income to average assets | 0.3336% | 5,842 |
| Noninterest expense to average assets | 2.2054% | 7,039 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.9336% | 346 |
| Return on assets (ROA) | 1.9336% | 376 |
| Pretax return on assets | 2.0201% | 533 |
| Return on Equity (ROE) | 16.8294% | 598 |
| Retained earnings to average equity (ytd only) | 10.2697% | 673 |
| Net charge-offs to loans | 0.1190% | 4,969 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 32.7000% | 941 |
| Efficiency ratio | 52.1930% | 7,502 |
| Assets per employee ($millions) | 4.1900% | 3,315 |
| Cash dividends to net income (ytd only)* | 38.9776% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9977% | 6,272 |
| Loan loss allowance to noncurrent loans | 161.0000% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.2983% | 6,724 |
| Noncurrent loans to loans | 0.6197% | 6,015 |
| Net loans and leases to total assets | 47.6611% | 7,062 |
| Net loans and leases to deposits | 53.9384% | 7,275 |
| Net loans and leases to core deposits | 63.8478% | 7,307 |
| Total domestic deposits to total assets | 88.3622% | 1,591 |
| Equity capital to assets | 11.3544% | 2,632 |
| Core capital (leverage) ratio | 11.1375% | 2,305 |
| Tier 1 risk-based capital ratio | 22.7762% | 1,163 |
| Total risk-based capital ratio | 23.7770% | 1,152 |
| Memoranda: | ||
| Average total assets | $32,374,670 | 7,515 |
| Average earning assets | $29,745,670 | 7,492 |
| Average equity | $3,719,670 | 7,505 |
| Average total loans | $16,807,330 | 7,497 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8552% | 3,017 |
| Cost of funding earning assets | 1.5956% | 6,045 |
| Net interest margin | 4.2596% | 1,706 |
| Noninterest income to average assets | 0.3270% | 5,833 |
| Noninterest expense to average assets | 1.9999% | 7,351 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.2011% | 230 |
| Return on assets (ROA) | 2.2011% | 266 |
| Pretax return on assets | 2.2892% | 372 |
| Return on Equity (ROE) | 19.0398% | 501 |
| Retained earnings to average equity (ytd only) | 19.0398% | 194 |
| Net charge-offs to loans | 0.2100% | 3,380 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 20.2222% | 1,386 |
| Efficiency ratio | 46.6276% | 7,816 |
| Assets per employee ($millions) | 4.0149% | 3,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9901% | 6,260 |
| Loan loss allowance to noncurrent loans | 176.0870% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.2864% | 6,654 |
| Noncurrent loans to loans | 0.5623% | 6,006 |
| Net loans and leases to total assets | 50.4374% | 6,818 |
| Net loans and leases to deposits | 57.3654% | 7,078 |
| Net loans and leases to core deposits | 68.0844% | 7,127 |
| Total domestic deposits to total assets | 87.9230% | 1,776 |
| Equity capital to assets | 11.8372% | 2,357 |
| Core capital (leverage) ratio | 11.5280% | 2,128 |
| Tier 1 risk-based capital ratio | 24.7305% | 1,005 |
| Total risk-based capital ratio | 25.8290% | 1,000 |
| Memoranda: | ||
| Average total assets | $31,802,000 | 7,578 |
| Average earning assets | $29,580,500 | 7,540 |
| Average equity | $3,676,500 | 7,564 |
| Average total loans | $17,142,500 | 7,525 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0981% | 5,055 |
| Cost of funding earning assets | 2.0445% | 6,263 |
| Net interest margin | 4.0536% | 2,902 |
| Noninterest income to average assets | 0.3676% | 5,763 |
| Noninterest expense to average assets | 2.4488% | 6,213 |
| Loan and lease loss provision to assets | 0.3115% | 3,884 |
| Net operating income to assets | 1.4518% | 1,123 |
| Return on assets (ROA) | 1.4518% | 1,073 |
| Pretax return on assets | 1.5297% | 1,596 |
| Return on Equity (ROE) | 13.4302% | 1,231 |
| Retained earnings to average equity (ytd only) | 7.1474% | 1,105 |
| Net charge-offs to loans | 0.7467% | 1,659 |
| Credit loss provision to net charge-offs | 78.1250% | 5,938 |
| Earnings coverage of net charge-offs (x) | 4.6172% | 3,921 |
| Efficiency ratio | 57.0806% | 6,858 |
| Assets per employee ($millions) | 5.2475% | 1,687 |
| Cash dividends to net income (ytd only)* | 46.7811% | 3,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9541% | 6,381 |
| Loan loss allowance to noncurrent loans | 78.8018% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 0.6892% | 5,158 |
| Noncurrent loans to loans | 1.2107% | 4,094 |
| Net loans and leases to total assets | 56.3824% | 6,388 |
| Net loans and leases to deposits | 63.7644% | 6,822 |
| Net loans and leases to core deposits | 76.4843% | 6,836 |
| Total domestic deposits to total assets | 88.4231% | 1,281 |
| Equity capital to assets | 11.2784% | 2,822 |
| Core capital (leverage) ratio | 10.9811% | 2,605 |
| Tier 1 risk-based capital ratio | 21.7525% | 1,348 |
| Total risk-based capital ratio | 22.8235% | 1,342 |
| Memoranda: | ||
| Average total assets | $32,097,800 | 7,558 |
| Average earning assets | $31,058,600 | 7,458 |
| Average equity | $3,469,800 | 7,691 |
| Average total loans | $17,141,600 | 7,514 |