Home > Peoples State Bank of Wells > Performance and Condition Ratios
Peoples State Bank of Wells, 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 | 4.2726% | 3,482 |
| Cost of funding earning assets | 0.7663% | 3,821 |
| Net interest margin | 3.5063% | 2,165 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 2.0223% | 3,575 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.4749% | 1,069 |
| Return on assets (ROA) | 1.5211% | 946 |
| Pretax return on assets | 1.5211% | 1,371 |
| Return on Equity (ROE) | 17.1400% | 931 |
| Retained earnings to average equity (ytd only) | 5.3058% | 2,484 |
| 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 | 57.8275% | 3,313 |
| Assets per employee ($millions) | 7.1317% | 1,987 |
| Cash dividends to net income (ytd only)* | 69.0451% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 2,020 |
| Loan loss allowance to noncurrent loans | 545.8333% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.1496% | 2,524 |
| Noncurrent loans to loans | 0.2289% | 2,406 |
| Net loans and leases to total assets | 64.5200% | 2,418 |
| Net loans and leases to deposits | 75.0045% | 2,542 |
| Net loans and leases to core deposits | 78.6049% | 2,791 |
| Total domestic deposits to total assets | 86.0200% | 2,007 |
| Equity capital to assets | 9.4025% | 2,424 |
| Core capital (leverage) ratio | 10.6945% | 2,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1988% | 1,477 |
| Memoranda: | ||
| Average total assets | $62,650,200 | 4,182 |
| Average earning assets | $59,378,000 | 4,147 |
| Average equity | $5,560,000 | 4,208 |
| Average total loans | $40,325,800 | 3,992 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2685% | 3,345 |
| Cost of funding earning assets | 0.6840% | 3,801 |
| Net interest margin | 3.5846% | 2,044 |
| Noninterest income to average assets | 0.1800% | 3,904 |
| Noninterest expense to average assets | 2.0042% | 3,590 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.5760% | 972 |
| Return on assets (ROA) | 1.6102% | 915 |
| Pretax return on assets | 1.6102% | 1,335 |
| Return on Equity (ROE) | 18.4300% | 886 |
| Retained earnings to average equity (ytd only) | 4.1411% | 3,221 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 55.9809% | 3,402 |
| Assets per employee ($millions) | 6.7812% | 2,112 |
| Cash dividends to net income (ytd only)* | 77.5266% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3752% | 1,560 |
| Loan loss allowance to noncurrent loans | 563.4409% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.1524% | 2,563 |
| Noncurrent loans to loans | 0.2441% | 2,373 |
| Net loans and leases to total assets | 61.5800% | 2,693 |
| Net loans and leases to deposits | 67.7813% | 2,995 |
| Net loans and leases to core deposits | 71.2188% | 3,153 |
| Total domestic deposits to total assets | 90.8400% | 709 |
| Equity capital to assets | 9.0167% | 2,404 |
| Core capital (leverage) ratio | 10.3835% | 2,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3664% | 1,231 |
| Memoranda: | ||
| Average total assets | $62,266,500 | 4,203 |
| Average earning assets | $59,066,750 | 4,167 |
| Average equity | $5,441,250 | 4,229 |
| Average total loans | $39,923,000 | 4,005 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2268% | 3,239 |
| Cost of funding earning assets | 0.5523% | 3,877 |
| Net interest margin | 3.6745% | 1,868 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 2.0996% | 3,349 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.5061% | 1,090 |
| Return on assets (ROA) | 1.5284% | 1,049 |
| Pretax return on assets | 1.5284% | 1,541 |
| Return on Equity (ROE) | 17.6700% | 991 |
| Retained earnings to average equity (ytd only) | 0.6272% | 3,967 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 58.2301% | 3,165 |
| Assets per employee ($millions) | 6.0688% | 2,655 |
| Cash dividends to net income (ytd only)* | 96.4509% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3458% | 1,730 |
| Loan loss allowance to noncurrent loans | 1,940.7407% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.2323% | 2,022 |
| Noncurrent loans to loans | 0.0693% | 3,200 |
| Net loans and leases to total assets | 63.3000% | 2,455 |
| Net loans and leases to deposits | 70.0443% | 2,785 |
| Net loans and leases to core deposits | 72.2253% | 3,002 |
| Total domestic deposits to total assets | 90.3700% | 819 |
| Equity capital to assets | 9.0314% | 2,498 |
| Core capital (leverage) ratio | 10.0056% | 2,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1272% | 1,537 |
| Memoranda: | ||
| Average total assets | $62,678,333 | 4,223 |
| Average earning assets | $59,383,000 | 4,186 |
| Average equity | $5,420,667 | 4,255 |
| Average total loans | $40,529,333 | 4,007 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1091% | 3,240 |
| Cost of funding earning assets | 0.3585% | 4,054 |
| Net interest margin | 3.7506% | 1,791 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 2.0542% | 3,486 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6396% | 922 |
| Return on assets (ROA) | 1.6836% | 847 |
| Pretax return on assets | 1.6836% | 1,304 |
| Return on Equity (ROE) | 19.8900% | 783 |
| Retained earnings to average equity (ytd only) | -4.3781% | 4,304 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.6122% | 3,446 |
| Assets per employee ($millions) | 6.1615% | 2,621 |
| Cash dividends to net income (ytd only)* | 122.0149% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3234% | 1,932 |
| Loan loss allowance to noncurrent loans | 1,940.7407% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.2288% | 1,973 |
| Noncurrent loans to loans | 0.0682% | 3,246 |
| Net loans and leases to total assets | 63.4100% | 2,305 |
| Net loans and leases to deposits | 69.6870% | 2,639 |
| Net loans and leases to core deposits | 70.3140% | 2,935 |
| Total domestic deposits to total assets | 90.9900% | 804 |
| Equity capital to assets | 8.8972% | 2,595 |
| Core capital (leverage) ratio | 9.7327% | 2,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6404% | 1,751 |
| Memoranda: | ||
| Average total assets | $63,673,500 | 4,268 |
| Average earning assets | $60,256,500 | 4,229 |
| Average equity | $5,390,500 | 4,315 |
| Average total loans | $41,325,500 | 4,046 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4527% | 3,201 |
| Cost of funding earning assets | 0.2212% | 3,587 |
| Net interest margin | 3.2314% | 2,760 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 2.0299% | 3,502 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1950% | 1,793 |
| Return on assets (ROA) | 1.1855% | 1,766 |
| Pretax return on assets | 1.1855% | 2,485 |
| Return on Equity (ROE) | 13.0900% | 1,780 |
| Retained earnings to average equity (ytd only) | -0.1408% | 4,374 |
| Net charge-offs to loans | -0.0026% | 3,491 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.9447% | 2,637 |
| Assets per employee ($millions) | 5.9756% | 2,788 |
| Cash dividends to net income (ytd only)* | 101.0753% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2170% | 2,313 |
| Loan loss allowance to noncurrent loans | 1,940.7407% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.2145% | 2,089 |
| Noncurrent loans to loans | 0.0627% | 3,299 |
| Net loans and leases to total assets | 64.7100% | 2,175 |
| Net loans and leases to deposits | 75.6990% | 2,121 |
| Net loans and leases to core deposits | 75.6990% | 2,445 |
| Total domestic deposits to total assets | 85.4800% | 2,862 |
| Equity capital to assets | 8.0615% | 3,028 |
| Core capital (leverage) ratio | 10.1879% | 2,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9329% | 2,001 |
| Memoranda: | ||
| Average total assets | $62,760,200 | 4,313 |
| Average earning assets | $59,664,200 | 4,269 |
| Average equity | $5,682,800 | 4,363 |
| Average total loans | $39,040,200 | 4,082 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3307% | 3,095 |
| Cost of funding earning assets | 0.1872% | 3,432 |
| Net interest margin | 3.1435% | 2,793 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 2.0381% | 3,381 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1308% | 1,973 |
| Return on assets (ROA) | 1.1093% | 2,021 |
| Pretax return on assets | 1.1093% | 2,688 |
| Return on Equity (ROE) | 11.9100% | 2,064 |
| Retained earnings to average equity (ytd only) | -3.2994% | 4,548 |
| Net charge-offs to loans | -0.0035% | 3,392 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.3148% | 2,504 |
| Assets per employee ($millions) | 5.3882% | 3,338 |
| Cash dividends to net income (ytd only)* | 127.7132% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4283% | 1,512 |
| Loan loss allowance to noncurrent loans | 259.4059% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 0.3408% | 1,585 |
| Noncurrent loans to loans | 0.5506% | 1,443 |
| Net loans and leases to total assets | 61.0100% | 2,400 |
| Net loans and leases to deposits | 66.6900% | 2,660 |
| Net loans and leases to core deposits | 66.6900% | 2,900 |
| Total domestic deposits to total assets | 91.4900% | 1,052 |
| Equity capital to assets | 8.4427% | 2,585 |
| Core capital (leverage) ratio | 9.5807% | 2,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5087% | 1,568 |
| Memoranda: | ||
| Average total assets | $62,017,250 | 4,352 |
| Average earning assets | $59,125,500 | 4,308 |
| Average equity | $5,778,750 | 4,390 |
| Average total loans | $38,036,000 | 4,127 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1008% | 3,302 |
| Cost of funding earning assets | 0.1830% | 3,143 |
| Net interest margin | 2.9178% | 3,120 |
| Noninterest income to average assets | 0.1970% | 4,015 |
| Noninterest expense to average assets | 2.0307% | 3,346 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9534% | 2,347 |
| Return on assets (ROA) | 0.9184% | 2,469 |
| Pretax return on assets | 0.9184% | 3,002 |
| Return on Equity (ROE) | 9.5743% | 2,498 |
| Retained earnings to average equity (ytd only) | -9.7068% | 4,654 |
| Net charge-offs to loans | -0.0052% | 3,354 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0511% | 2,236 |
| Assets per employee ($millions) | 5.7253% | 3,002 |
| Cash dividends to net income (ytd only)* | 201.3841% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4473% | 1,570 |
| Loan loss allowance to noncurrent loans | 263.3166% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.3668% | 1,528 |
| Noncurrent loans to loans | 0.5496% | 1,517 |
| Net loans and leases to total assets | 56.6579% | 2,684 |
| Net loans and leases to deposits | 62.0567% | 2,885 |
| Net loans and leases to core deposits | 62.7177% | 3,060 |
| Total domestic deposits to total assets | 91.3001% | 1,106 |
| Equity capital to assets | 8.6379% | 2,663 |
| Core capital (leverage) ratio | 9.2709% | 3,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9707% | 1,713 |
| Memoranda: | ||
| Average total assets | $62,933,000 | 4,386 |
| Average earning assets | $60,114,333 | 4,353 |
| Average equity | $6,037,000 | 4,408 |
| Average total loans | $38,486,000 | 4,164 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9921% | 3,276 |
| Cost of funding earning assets | 0.1862% | 2,997 |
| Net interest margin | 2.8059% | 3,117 |
| Noninterest income to average assets | 0.2670% | 3,527 |
| Noninterest expense to average assets | 2.0219% | 3,381 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9283% | 2,163 |
| Return on assets (ROA) | 0.8965% | 2,283 |
| Pretax return on assets | 0.8965% | 2,787 |
| Return on Equity (ROE) | 8.9022% | 2,352 |
| Retained earnings to average equity (ytd only) | -24.0549% | 4,724 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5345% | 2,440 |
| Assets per employee ($millions) | 5.8078% | 2,993 |
| Cash dividends to net income (ytd only)* | 370.2128% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4261% | 1,815 |
| Loan loss allowance to noncurrent loans | 154.2773% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 0.5807% | 1,016 |
| Noncurrent loans to loans | 0.9244% | 987 |
| Net loans and leases to total assets | 56.5852% | 2,469 |
| Net loans and leases to deposits | 62.2632% | 2,695 |
| Net loans and leases to core deposits | 62.9199% | 2,899 |
| Total domestic deposits to total assets | 90.8806% | 1,094 |
| Equity capital to assets | 9.0693% | 2,654 |
| Core capital (leverage) ratio | 8.7438% | 3,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6866% | 1,923 |
| Memoranda: | ||
| Average total assets | $62,910,500 | 4,408 |
| Average earning assets | $60,158,500 | 4,376 |
| Average equity | $6,335,500 | 4,429 |
| Average total loans | $39,626,000 | 4,163 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1673% | 3,543 |
| Cost of funding earning assets | 0.3544% | 1,902 |
| Net interest margin | 2.8129% | 3,629 |
| Noninterest income to average assets | 0.6195% | 2,077 |
| Noninterest expense to average assets | 1.8651% | 4,009 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.4261% | 1,191 |
| Return on assets (ROA) | 1.4586% | 1,182 |
| Pretax return on assets | 1.4586% | 1,856 |
| Return on Equity (ROE) | 13.3741% | 1,349 |
| Retained earnings to average equity (ytd only) | 1.4910% | 4,124 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6700% | 3,619 |
| Assets per employee ($millions) | 6.1935% | 2,577 |
| Cash dividends to net income (ytd only)* | 88.8517% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2283% | 2,741 |
| Loan loss allowance to noncurrent loans | 150.2874% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 0.5619% | 1,179 |
| Noncurrent loans to loans | 0.8173% | 1,246 |
| Net loans and leases to total assets | 67.9034% | 1,277 |
| Net loans and leases to deposits | 76.4377% | 1,533 |
| Net loans and leases to core deposits | 77.2875% | 1,821 |
| Total domestic deposits to total assets | 88.8351% | 1,600 |
| Equity capital to assets | 11.1036% | 1,737 |
| Core capital (leverage) ratio | 10.1288% | 2,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0235% | 1,832 |
| Memoranda: | ||
| Average total assets | $61,497,800 | 4,440 |
| Average earning assets | $58,408,600 | 4,402 |
| Average equity | $6,707,000 | 4,457 |
| Average total loans | $40,177,200 | 4,181 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1557% | 3,690 |
| Cost of funding earning assets | 0.3939% | 1,746 |
| Net interest margin | 2.7618% | 3,860 |
| Noninterest income to average assets | 0.2063% | 4,168 |
| Noninterest expense to average assets | 2.0047% | 3,659 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8210% | 3,468 |
| Return on assets (ROA) | 0.8514% | 3,443 |
| Pretax return on assets | 0.8514% | 3,794 |
| Return on Equity (ROE) | 7.8424% | 3,449 |
| Retained earnings to average equity (ytd only) | -4.2213% | 4,772 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9454% | 1,495 |
| Assets per employee ($millions) | 6.0266% | 2,667 |
| Cash dividends to net income (ytd only)* | 153.8265% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3593% | 2,183 |
| Loan loss allowance to noncurrent loans | 140.9704% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 0.6156% | 1,236 |
| Noncurrent loans to loans | 0.9643% | 1,190 |
| Net loans and leases to total assets | 62.9741% | 1,893 |
| Net loans and leases to deposits | 70.8099% | 2,165 |
| Net loans and leases to core deposits | 72.4344% | 2,389 |
| Total domestic deposits to total assets | 88.9341% | 1,322 |
| Equity capital to assets | 10.9780% | 2,032 |
| Core capital (leverage) ratio | 9.4083% | 3,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5372% | 1,242 |
| Memoranda: | ||
| Average total assets | $61,388,500 | 4,493 |
| Average earning assets | $58,221,000 | 4,464 |
| Average equity | $6,664,500 | 4,528 |
| Average total loans | $39,576,750 | 4,257 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1564% | 3,756 |
| Cost of funding earning assets | 0.4275% | 1,676 |
| Net interest margin | 2.7289% | 3,923 |
| Noninterest income to average assets | 0.1911% | 4,247 |
| Noninterest expense to average assets | 1.9980% | 3,704 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7772% | 3,573 |
| Return on assets (ROA) | 0.8096% | 3,552 |
| Pretax return on assets | 0.8096% | 3,849 |
| Return on Equity (ROE) | 7.4843% | 3,534 |
| Retained earnings to average equity (ytd only) | -9.0410% | 4,857 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9953% | 1,436 |
| Assets per employee ($millions) | 5.6105% | 3,007 |
| Cash dividends to net income (ytd only)* | 220.8000% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3626% | 2,143 |
| Loan loss allowance to noncurrent loans | 450.8621% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.1880% | 3,017 |
| Noncurrent loans to loans | 0.3022% | 2,844 |
| Net loans and leases to total assets | 61.3465% | 2,259 |
| Net loans and leases to deposits | 68.7301% | 2,544 |
| Net loans and leases to core deposits | 70.5882% | 2,725 |
| Total domestic deposits to total assets | 89.2571% | 1,162 |
| Equity capital to assets | 10.6668% | 2,250 |
| Core capital (leverage) ratio | 9.0667% | 3,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1148% | 1,310 |
| Memoranda: | ||
| Average total assets | $61,762,667 | 4,517 |
| Average earning assets | $58,485,000 | 4,489 |
| Average equity | $6,680,667 | 4,547 |
| Average total loans | $39,944,000 | 4,280 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2254% | 3,636 |
| Cost of funding earning assets | 0.4804% | 1,516 |
| Net interest margin | 2.7451% | 3,875 |
| Noninterest income to average assets | 0.2007% | 4,182 |
| Noninterest expense to average assets | 2.0004% | 3,712 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7898% | 3,458 |
| Return on assets (ROA) | 0.8546% | 3,338 |
| Pretax return on assets | 0.8546% | 3,710 |
| Return on Equity (ROE) | 7.8461% | 3,376 |
| Retained earnings to average equity (ytd only) | -22.4682% | 4,928 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6937% | 1,526 |
| Assets per employee ($millions) | 5.7345% | 2,873 |
| Cash dividends to net income (ytd only)* | 386.3636% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3510% | 2,193 |
| Loan loss allowance to noncurrent loans | 450.8621% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.1839% | 3,244 |
| Noncurrent loans to loans | 0.2997% | 3,024 |
| Net loans and leases to total assets | 60.5390% | 2,475 |
| Net loans and leases to deposits | 67.5882% | 2,745 |
| Net loans and leases to core deposits | 69.3608% | 2,924 |
| Total domestic deposits to total assets | 89.5704% | 1,039 |
| Equity capital to assets | 10.3535% | 2,389 |
| Core capital (leverage) ratio | 8.9726% | 3,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6859% | 2,982 |
| Memoranda: | ||
| Average total assets | $61,786,500 | 4,536 |
| Average earning assets | $58,286,500 | 4,512 |
| Average equity | $6,729,500 | 4,552 |
| Average total loans | $40,724,500 | 4,289 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3131% | 1,836 |
| Cost of funding earning assets | 0.6766% | 1,841 |
| Net interest margin | 3.6365% | 2,019 |
| Noninterest income to average assets | 0.1934% | 4,318 |
| Noninterest expense to average assets | 2.1762% | 3,733 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.4335% | 945 |
| Return on assets (ROA) | 1.4335% | 1,033 |
| Pretax return on assets | 1.4335% | 1,559 |
| Return on Equity (ROE) | 12.2037% | 1,267 |
| Retained earnings to average equity (ytd only) | -2.0144% | 4,706 |
| Net charge-offs to loans | 0.0837% | 1,626 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 22.4324% | 1,855 |
| Efficiency ratio | 60.2871% | 3,413 |
| Assets per employee ($millions) | 5.4994% | 2,846 |
| Cash dividends to net income (ytd only)* | 116.5060% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2237% | 2,822 |
| Loan loss allowance to noncurrent loans | 251.4423% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.3438% | 2,614 |
| Noncurrent loans to loans | 0.4867% | 2,507 |
| Net loans and leases to total assets | 69.7849% | 1,590 |
| Net loans and leases to deposits | 78.8888% | 1,985 |
| Net loans and leases to core deposits | 81.9073% | 2,202 |
| Total domestic deposits to total assets | 88.4598% | 1,247 |
| Equity capital to assets | 11.4526% | 1,922 |
| Core capital (leverage) ratio | 10.3873% | 2,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7227% | 1,621 |
| Memoranda: | ||
| Average total assets | $57,898,600 | 4,542 |
| Average earning assets | $54,392,400 | 4,521 |
| Average equity | $6,801,200 | 4,547 |
| Average total loans | $44,196,200 | 4,219 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4634% | 1,665 |
| Cost of funding earning assets | 0.7118% | 1,952 |
| Net interest margin | 3.7516% | 1,758 |
| Noninterest income to average assets | 0.2119% | 4,206 |
| Noninterest expense to average assets | 2.1822% | 3,722 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.5650% | 784 |
| Return on assets (ROA) | 1.5650% | 861 |
| Pretax return on assets | 1.5650% | 1,283 |
| Return on Equity (ROE) | 13.2355% | 1,047 |
| Retained earnings to average equity (ytd only) | -4.4709% | 4,829 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2349% | 3,633 |
| Assets per employee ($millions) | 5.2201% | 2,995 |
| Cash dividends to net income (ytd only)* | 133.7798% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2956% | 2,175 |
| Loan loss allowance to noncurrent loans | 462.8099% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.2107% | 3,388 |
| Noncurrent loans to loans | 0.2799% | 3,288 |
| Net loans and leases to total assets | 74.3003% | 1,337 |
| Net loans and leases to deposits | 84.4096% | 1,865 |
| Net loans and leases to core deposits | 88.3020% | 2,117 |
| Total domestic deposits to total assets | 88.0235% | 1,210 |
| Equity capital to assets | 11.8842% | 1,744 |
| Core capital (leverage) ratio | 10.2032% | 2,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9846% | 3,094 |
| Memoranda: | ||
| Average total assets | $57,250,000 | 4,564 |
| Average earning assets | $53,948,500 | 4,546 |
| Average equity | $6,769,500 | 4,573 |
| Average total loans | $44,560,750 | 4,239 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5526% | 1,777 |
| Cost of funding earning assets | 0.7402% | 2,178 |
| Net interest margin | 3.8124% | 1,804 |
| Noninterest income to average assets | 0.2693% | 3,867 |
| Noninterest expense to average assets | 2.2000% | 3,787 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.6543% | 674 |
| Return on assets (ROA) | 1.6543% | 734 |
| Pretax return on assets | 1.6543% | 1,095 |
| Return on Equity (ROE) | 14.0328% | 884 |
| Retained earnings to average equity (ytd only) | -9.1080% | 4,902 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0780% | 3,802 |
| Assets per employee ($millions) | 5.2729% | 2,865 |
| Cash dividends to net income (ytd only)* | 164.9049% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2247% | 2,386 |
| Loan loss allowance to noncurrent loans | 103.5120% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 0.9586% | 1,262 |
| Noncurrent loans to loans | 1.1831% | 1,325 |
| Net loans and leases to total assets | 77.8697% | 860 |
| Net loans and leases to deposits | 88.1271% | 1,544 |
| Net loans and leases to core deposits | 91.6183% | 1,939 |
| Total domestic deposits to total assets | 88.3607% | 1,012 |
| Equity capital to assets | 11.5720% | 1,924 |
| Core capital (leverage) ratio | 10.1116% | 2,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4784% | 2,007 |
| Memoranda: | ||
| Average total assets | $57,183,000 | 4,581 |
| Average earning assets | $53,772,000 | 4,556 |
| Average equity | $6,741,333 | 4,599 |
| Average total loans | $45,006,333 | 4,235 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6678% | 1,806 |
| Cost of funding earning assets | 0.7742% | 2,522 |
| Net interest margin | 3.8936% | 1,692 |
| Noninterest income to average assets | 0.1127% | 4,782 |
| Noninterest expense to average assets | 2.2968% | 3,778 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4655% | 846 |
| Return on assets (ROA) | 1.4655% | 922 |
| Pretax return on assets | 1.4655% | 1,399 |
| Return on Equity (ROE) | 12.3150% | 1,030 |
| Retained earnings to average equity (ytd only) | -27.9455% | 5,030 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0487% | 3,609 |
| Assets per employee ($millions) | 5.0272% | 2,620 |
| Cash dividends to net income (ytd only)* | 326.9231% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2654% | 2,306 |
| Loan loss allowance to noncurrent loans | 96.7185% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 1.0742% | 1,216 |
| Noncurrent loans to loans | 1.3084% | 1,247 |
| Net loans and leases to total assets | 79.0141% | 821 |
| Net loans and leases to deposits | 89.6821% | 1,550 |
| Net loans and leases to core deposits | 93.4331% | 2,021 |
| Total domestic deposits to total assets | 88.1047% | 1,069 |
| Equity capital to assets | 11.8284% | 2,196 |
| Core capital (leverage) ratio | 9.9662% | 3,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1892% | 2,199 |
| Memoranda: | ||
| Average total assets | $56,773,500 | 4,593 |
| Average earning assets | $53,215,500 | 4,579 |
| Average equity | $6,756,000 | 4,628 |
| Average total loans | $44,646,500 | 4,258 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8218% | 1,981 |
| Cost of funding earning assets | 0.7548% | 2,891 |
| Net interest margin | 4.0670% | 1,632 |
| Noninterest income to average assets | 0.1560% | 4,709 |
| Noninterest expense to average assets | 2.5995% | 3,176 |
| Loan and lease loss provision to assets | -0.3229% | 5,148 |
| Net operating income to assets | 1.6816% | 690 |
| Return on assets (ROA) | 1.6816% | 737 |
| Pretax return on assets | 1.6816% | 1,243 |
| Return on Equity (ROE) | 13.6891% | 961 |
| Retained earnings to average equity (ytd only) | 3.2931% | 3,364 |
| Net charge-offs to loans | -0.9165% | 5,135 |
| Credit loss provision to net charge-offs | 42.6859% | 3,183 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6737% | 2,823 |
| Assets per employee ($millions) | 5.2953% | 2,255 |
| Cash dividends to net income (ytd only)* | 75.9439% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2434% | 2,207 |
| Loan loss allowance to noncurrent loans | 197.1831% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.5133% | 2,364 |
| Noncurrent loans to loans | 0.6306% | 2,308 |
| Net loans and leases to total assets | 76.3614% | 1,349 |
| Net loans and leases to deposits | 86.8290% | 1,991 |
| Net loans and leases to core deposits | 90.8180% | 2,344 |
| Total domestic deposits to total assets | 87.9447% | 1,148 |
| Equity capital to assets | 11.9678% | 2,154 |
| Core capital (leverage) ratio | 11.0206% | 2,486 |
| Tier 1 risk-based capital ratio | 13.8446% | 3,345 |
| Total risk-based capital ratio | 15.0946% | 3,249 |
| Memoranda: | ||
| Average total assets | $55,127,000 | 4,665 |
| Average earning assets | $51,536,600 | 4,646 |
| Average equity | $6,771,800 | 4,661 |
| Average total loans | $45,497,800 | 4,270 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9163% | 1,770 |
| Cost of funding earning assets | 0.7408% | 3,008 |
| Net interest margin | 4.1754% | 1,432 |
| Noninterest income to average assets | 0.1766% | 4,663 |
| Noninterest expense to average assets | 2.6643% | 2,968 |
| Loan and lease loss provision to assets | -0.4367% | 5,241 |
| Net operating income to assets | 1.8621% | 553 |
| Return on assets (ROA) | 1.8621% | 576 |
| Pretax return on assets | 1.8621% | 956 |
| Return on Equity (ROE) | 15.0546% | 767 |
| Retained earnings to average equity (ytd only) | 3.5702% | 3,619 |
| Net charge-offs to loans | -1.2365% | 5,211 |
| Credit loss provision to net charge-offs | 42.0804% | 2,844 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1470% | 2,829 |
| Assets per employee ($millions) | 5.0119% | 2,552 |
| Cash dividends to net income (ytd only)* | 76.2849% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2795% | 2,064 |
| Loan loss allowance to noncurrent loans | 307.6087% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.3954% | 2,926 |
| Noncurrent loans to loans | 0.4160% | 3,052 |
| Net loans and leases to total assets | 79.2113% | 962 |
| Net loans and leases to deposits | 90.6995% | 1,602 |
| Net loans and leases to core deposits | 96.1661% | 1,979 |
| Total domestic deposits to total assets | 87.3338% | 1,355 |
| Equity capital to assets | 12.5701% | 1,860 |
| Core capital (leverage) ratio | 11.0595% | 2,592 |
| Tier 1 risk-based capital ratio | 14.0414% | 3,305 |
| Total risk-based capital ratio | 15.2919% | 3,214 |
| Memoranda: | ||
| Average total assets | $54,346,750 | 4,746 |
| Average earning assets | $50,931,500 | 4,728 |
| Average equity | $6,722,000 | 4,726 |
| Average total loans | $45,612,500 | 4,321 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9199% | 1,695 |
| Cost of funding earning assets | 0.6955% | 3,191 |
| Net interest margin | 4.2244% | 1,301 |
| Noninterest income to average assets | 0.1886% | 4,626 |
| Noninterest expense to average assets | 2.9879% | 2,037 |
| Loan and lease loss provision to assets | -0.6582% | 5,295 |
| Net operating income to assets | 1.8120% | 576 |
| Return on assets (ROA) | 1.8120% | 598 |
| Pretax return on assets | 1.8120% | 1,004 |
| Return on Equity (ROE) | 14.7309% | 813 |
| Retained earnings to average equity (ytd only) | 1.5933% | 4,253 |
| Net charge-offs to loans | -1.8884% | 5,262 |
| Credit loss provision to net charge-offs | 40.9195% | 2,528 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1429% | 1,900 |
| Assets per employee ($millions) | 4.8585% | 2,655 |
| Cash dividends to net income (ytd only)* | 89.1837% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2525% | 2,236 |
| Loan loss allowance to noncurrent loans | 301.0417% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.3836% | 2,966 |
| Noncurrent loans to loans | 0.4161% | 3,043 |
| Net loans and leases to total assets | 85.2668% | 268 |
| Net loans and leases to deposits | 97.7876% | 863 |
| Net loans and leases to core deposits | 103.8609% | 1,394 |
| Total domestic deposits to total assets | 87.1959% | 1,501 |
| Equity capital to assets | 12.7161% | 1,735 |
| Core capital (leverage) ratio | 11.0398% | 2,558 |
| Tier 1 risk-based capital ratio | 13.1829% | 3,742 |
| Total risk-based capital ratio | 14.4320% | 3,653 |
| Memoranda: | ||
| Average total assets | $54,085,330 | 4,785 |
| Average earning assets | $50,610,330 | 4,768 |
| Average equity | $6,652,670 | 4,761 |
| Average total loans | $46,071,330 | 4,341 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8377% | 1,796 |
| Cost of funding earning assets | 0.6283% | 3,420 |
| Net interest margin | 4.2095% | 1,285 |
| Noninterest income to average assets | 0.2279% | 4,375 |
| Noninterest expense to average assets | 2.6027% | 3,211 |
| Loan and lease loss provision to assets | 0.1617% | 1,040 |
| Net operating income to assets | 1.4043% | 1,366 |
| Return on assets (ROA) | 1.4043% | 1,392 |
| Pretax return on assets | 1.4043% | 2,069 |
| Return on Equity (ROE) | 11.6092% | 1,688 |
| Retained earnings to average equity (ytd only) | -12.3993% | 5,161 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4339% | 3,465 |
| Assets per employee ($millions) | 4.8495% | 2,711 |
| Cash dividends to net income (ytd only)* | 206.8063% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7514% | 4,657 |
| Loan loss allowance to noncurrent loans | 233.3333% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.2999% | 3,407 |
| Noncurrent loans to loans | 0.3220% | 3,411 |
| Net loans and leases to total assets | 84.9318% | 288 |
| Net loans and leases to deposits | 96.8160% | 902 |
| Net loans and leases to core deposits | 101.6240% | 1,497 |
| Total domestic deposits to total assets | 87.7250% | 1,465 |
| Equity capital to assets | 12.1926% | 1,908 |
| Core capital (leverage) ratio | 10.3656% | 3,203 |
| Tier 1 risk-based capital ratio | 12.4670% | 4,191 |
| Total risk-based capital ratio | 13.2406% | 4,354 |
| Memoranda: | ||
| Average total assets | $54,406,000 | 4,833 |
| Average earning assets | $50,933,000 | 4,810 |
| Average equity | $6,581,000 | 4,805 |
| Average total loans | $46,033,000 | 4,389 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7222% | 1,754 |
| Cost of funding earning assets | 0.4421% | 3,726 |
| Net interest margin | 4.2801% | 1,200 |
| Noninterest income to average assets | 0.2054% | 4,691 |
| Noninterest expense to average assets | 2.3600% | 3,972 |
| Loan and lease loss provision to assets | 0.8160% | 120 |
| Net operating income to assets | 1.0415% | 2,840 |
| Return on assets (ROA) | 1.0415% | 2,826 |
| Pretax return on assets | 1.0415% | 3,473 |
| Return on Equity (ROE) | 8.6559% | 3,158 |
| Retained earnings to average equity (ytd only) | -2.6364% | 5,160 |
| Net charge-offs to loans | 0.9566% | 159 |
| Credit loss provision to net charge-offs | 102.2989% | 2,469 |
| Earnings coverage of net charge-offs (x) | 2.3287% | 3,533 |
| Efficiency ratio | 55.9565% | 4,414 |
| Assets per employee ($millions) | 5.0425% | 2,444 |
| Cash dividends to net income (ytd only)* | 130.4577% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6916% | 4,816 |
| Loan loss allowance to noncurrent loans | 201.8868% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.3101% | 3,322 |
| Noncurrent loans to loans | 0.3425% | 3,323 |
| Net loans and leases to total assets | 83.1038% | 509 |
| Net loans and leases to deposits | 94.5346% | 1,225 |
| Net loans and leases to core deposits | 98.4473% | 1,835 |
| Total domestic deposits to total assets | 87.9083% | 1,339 |
| Equity capital to assets | 12.0033% | 1,891 |
| Core capital (leverage) ratio | 11.0538% | 2,478 |
| Tier 1 risk-based capital ratio | 12.8791% | 3,919 |
| Total risk-based capital ratio | 13.6014% | 4,088 |
| Memoranda: | ||
| Average total assets | $54,534,800 | 4,866 |
| Average earning assets | $51,120,000 | 4,835 |
| Average equity | $6,562,000 | 4,819 |
| Average total loans | $45,472,600 | 4,423 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7133% | 1,637 |
| Cost of funding earning assets | 0.4154% | 3,751 |
| Net interest margin | 4.2979% | 1,116 |
| Noninterest income to average assets | 0.2210% | 4,642 |
| Noninterest expense to average assets | 2.3621% | 3,945 |
| Loan and lease loss provision to assets | 1.0435% | 78 |
| Net operating income to assets | 0.8545% | 3,717 |
| Return on assets (ROA) | 0.8545% | 3,725 |
| Pretax return on assets | 0.8545% | 4,156 |
| Return on Equity (ROE) | 7.0968% | 3,900 |
| Retained earnings to average equity (ytd only) | -6.8521% | 5,349 |
| Net charge-offs to loans | 1.2821% | 99 |
| Credit loss provision to net charge-offs | 97.7011% | 2,325 |
| Earnings coverage of net charge-offs (x) | 1.7770% | 3,316 |
| Efficiency ratio | 55.4467% | 4,454 |
| Assets per employee ($millions) | 4.7173% | 2,825 |
| Cash dividends to net income (ytd only)* | 196.5516% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6672% | 4,936 |
| Loan loss allowance to noncurrent loans | 136.1991% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 0.4510% | 2,886 |
| Noncurrent loans to loans | 0.4898% | 2,921 |
| Net loans and leases to total assets | 86.3673% | 229 |
| Net loans and leases to deposits | 98.7593% | 884 |
| Net loans and leases to core deposits | 101.8777% | 1,623 |
| Total domestic deposits to total assets | 87.4523% | 1,515 |
| Equity capital to assets | 12.4687% | 1,612 |
| Core capital (leverage) ratio | 10.8106% | 2,782 |
| Tier 1 risk-based capital ratio | 12.8984% | 3,963 |
| Total risk-based capital ratio | 13.5977% | 4,178 |
| Memoranda: | ||
| Average total assets | $54,301,500 | 4,922 |
| Average earning assets | $51,031,250 | 4,885 |
| Average equity | $6,538,000 | 4,875 |
| Average total loans | $45,236,500 | 4,476 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6169% | 1,731 |
| Cost of funding earning assets | 0.3976% | 3,737 |
| Net interest margin | 4.2193% | 1,238 |
| Noninterest income to average assets | 0.2250% | 4,676 |
| Noninterest expense to average assets | 2.3192% | 4,105 |
| Loan and lease loss provision to assets | 1.5425% | 44 |
| Net operating income to assets | 0.3303% | 5,080 |
| Return on assets (ROA) | 0.3303% | 5,075 |
| Pretax return on assets | 0.3303% | 5,131 |
| Return on Equity (ROE) | 2.7741% | 5,057 |
| Retained earnings to average equity (ytd only) | -15.6996% | 5,478 |
| Net charge-offs to loans | 1.9215% | 55 |
| Credit loss provision to net charge-offs | 97.7011% | 2,087 |
| Earnings coverage of net charge-offs (x) | 1.1862% | 3,084 |
| Efficiency ratio | 55.3247% | 4,553 |
| Assets per employee ($millions) | 4.7756% | 2,714 |
| Cash dividends to net income (ytd only)* | 665.9341% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6635% | 5,005 |
| Loan loss allowance to noncurrent loans | 436.2319% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.2037% | 3,985 |
| Noncurrent loans to loans | 0.1521% | 4,223 |
| Net loans and leases to total assets | 85.7858% | 282 |
| Net loans and leases to deposits | 97.7104% | 986 |
| Net loans and leases to core deposits | 100.7399% | 1,675 |
| Total domestic deposits to total assets | 87.7960% | 1,476 |
| Equity capital to assets | 12.0117% | 1,850 |
| Core capital (leverage) ratio | 10.2890% | 3,248 |
| Tier 1 risk-based capital ratio | 12.3952% | 4,248 |
| Total risk-based capital ratio | 13.0906% | 4,480 |
| Memoranda: | ||
| Average total assets | $55,105,330 | 4,960 |
| Average earning assets | $51,809,330 | 4,935 |
| Average equity | $6,560,670 | 4,915 |
| Average total loans | $45,276,330 | 4,514 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5439% | 1,734 |
| Cost of funding earning assets | 0.3918% | 3,649 |
| Net interest margin | 4.1521% | 1,292 |
| Noninterest income to average assets | 0.2554% | 4,468 |
| Noninterest expense to average assets | 2.2698% | 4,254 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.8939% | 457 |
| Return on assets (ROA) | 1.8939% | 461 |
| Pretax return on assets | 1.8939% | 738 |
| Return on Equity (ROE) | 15.9737% | 623 |
| Retained earnings to average equity (ytd only) | -19.8624% | 5,503 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5145% | 4,744 |
| Assets per employee ($millions) | 5.0211% | 2,468 |
| Cash dividends to net income (ytd only)* | 224.3446% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6874% | 5,051 |
| Loan loss allowance to noncurrent loans | 361.6279% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.2245% | 3,979 |
| Noncurrent loans to loans | 0.1901% | 4,111 |
| Net loans and leases to total assets | 81.3532% | 745 |
| Net loans and leases to deposits | 92.2611% | 1,424 |
| Net loans and leases to core deposits | 95.9738% | 1,979 |
| Total domestic deposits to total assets | 88.1771% | 1,523 |
| Equity capital to assets | 11.7667% | 1,935 |
| Core capital (leverage) ratio | 10.0386% | 3,489 |
| Tier 1 risk-based capital ratio | 12.8747% | 4,023 |
| Total risk-based capital ratio | 13.5973% | 4,238 |
| Memoranda: | ||
| Average total assets | $56,392,000 | 4,992 |
| Average earning assets | $53,082,000 | 4,973 |
| Average equity | $6,686,000 | 4,946 |
| Average total loans | $45,231,500 | 4,557 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9431% | 723 |
| Cost of funding earning assets | 0.3710% | 3,506 |
| Net interest margin | 4.5721% | 529 |
| Noninterest income to average assets | 0.2080% | 4,900 |
| Noninterest expense to average assets | 2.7541% | 2,940 |
| Loan and lease loss provision to assets | 0.2489% | 754 |
| Net operating income to assets | 1.4775% | 852 |
| Return on assets (ROA) | 1.4775% | 869 |
| Pretax return on assets | 1.4775% | 1,730 |
| Return on Equity (ROE) | 12.2494% | 1,139 |
| Retained earnings to average equity (ytd only) | 3.0955% | 3,444 |
| Net charge-offs to loans | 0.0022% | 4,039 |
| Credit loss provision to net charge-offs | 14,000.0000% | 19 |
| Earnings coverage of net charge-offs (x) | 971.0000% | 86 |
| Efficiency ratio | 61.4683% | 4,023 |
| Assets per employee ($millions) | 4.4271% | 3,307 |
| Cash dividends to net income (ytd only)* | 74.7292% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6878% | 5,096 |
| Loan loss allowance to noncurrent loans | 341.7582% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.2241% | 4,019 |
| Noncurrent loans to loans | 0.2012% | 4,107 |
| Net loans and leases to total assets | 78.0303% | 1,284 |
| Net loans and leases to deposits | 88.6599% | 1,939 |
| Net loans and leases to core deposits | 93.0312% | 2,283 |
| Total domestic deposits to total assets | 88.0108% | 1,492 |
| Equity capital to assets | 11.9422% | 1,867 |
| Core capital (leverage) ratio | 10.5215% | 2,825 |
| Tier 1 risk-based capital ratio | 13.8350% | 3,453 |
| Total risk-based capital ratio | 14.5639% | 3,646 |
| Memoranda: | ||
| Average total assets | $56,244,200 | 5,042 |
| Average earning assets | $52,557,800 | 5,024 |
| Average equity | $6,784,000 | 4,979 |
| Average total loans | $45,215,000 | 4,586 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6726% | 1,194 |
| Cost of funding earning assets | 0.3600% | 3,568 |
| Net interest margin | 4.3126% | 895 |
| Noninterest income to average assets | 0.2218% | 4,891 |
| Noninterest expense to average assets | 2.2700% | 4,375 |
| Loan and lease loss provision to assets | 0.0954% | 2,192 |
| Net operating income to assets | 1.8837% | 400 |
| Return on assets (ROA) | 1.8837% | 405 |
| Pretax return on assets | 1.8837% | 716 |
| Return on Equity (ROE) | 15.5775% | 577 |
| Retained earnings to average equity (ytd only) | 5.1464% | 2,778 |
| Net charge-offs to loans | 0.0029% | 3,643 |
| Credit loss provision to net charge-offs | 4,000.0000% | 111 |
| Earnings coverage of net charge-offs (x) | 832.0602% | 122 |
| Efficiency ratio | 53.4231% | 4,976 |
| Assets per employee ($millions) | 4.2617% | 3,539 |
| Cash dividends to net income (ytd only)* | 66.9622% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4752% | 5,500 |
| Loan loss allowance to noncurrent loans | 135.2564% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 0.5090% | 3,035 |
| Noncurrent loans to loans | 0.3513% | 3,688 |
| Net loans and leases to total assets | 79.7679% | 1,018 |
| Net loans and leases to deposits | 91.3079% | 1,649 |
| Net loans and leases to core deposits | 96.0216% | 2,073 |
| Total domestic deposits to total assets | 87.3615% | 1,692 |
| Equity capital to assets | 12.5844% | 1,615 |
| Core capital (leverage) ratio | 11.0132% | 2,448 |
| Tier 1 risk-based capital ratio | 13.9234% | 3,482 |
| Total risk-based capital ratio | 14.4171% | 3,808 |
| Memoranda: | ||
| Average total assets | $55,917,250 | 5,104 |
| Average earning assets | $52,217,750 | 5,084 |
| Average equity | $6,761,750 | 5,041 |
| Average total loans | $45,214,000 | 4,630 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6461% | 1,163 |
| Cost of funding earning assets | 0.3354% | 3,747 |
| Net interest margin | 4.3107% | 831 |
| Noninterest income to average assets | 0.2246% | 4,899 |
| Noninterest expense to average assets | 2.2785% | 4,410 |
| Loan and lease loss provision to assets | 0.0713% | 2,546 |
| Net operating income to assets | 1.9077% | 367 |
| Return on assets (ROA) | 1.9077% | 379 |
| Pretax return on assets | 1.9077% | 639 |
| Return on Equity (ROE) | 15.9900% | 531 |
| Retained earnings to average equity (ytd only) | 3.1980% | 3,811 |
| Net charge-offs to loans | 0.0044% | 3,333 |
| Credit loss provision to net charge-offs | 2,000.0000% | 210 |
| Earnings coverage of net charge-offs (x) | 555.0000% | 150 |
| Efficiency ratio | 53.5176% | 5,052 |
| Assets per employee ($millions) | 4.3067% | 3,423 |
| Cash dividends to net income (ytd only)* | 80.0000% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4206% | 5,595 |
| Loan loss allowance to noncurrent loans | 19.3712% | 5,121 |
| Noncurrent assets plus other real estate owned to assets | 1.7843% | 776 |
| Noncurrent loans to loans | 2.1711% | 748 |
| Net loans and leases to total assets | 80.7759% | 836 |
| Net loans and leases to deposits | 92.8701% | 1,374 |
| Net loans and leases to core deposits | 97.6254% | 1,841 |
| Total domestic deposits to total assets | 86.9773% | 1,966 |
| Equity capital to assets | 12.1850% | 1,799 |
| Core capital (leverage) ratio | 10.5924% | 2,822 |
| Tier 1 risk-based capital ratio | 13.2524% | 3,836 |
| Total risk-based capital ratio | 13.6893% | 4,223 |
| Memoranda: | ||
| Average total assets | $56,089,000 | 5,133 |
| Average earning assets | $52,473,670 | 5,113 |
| Average equity | $6,691,670 | 5,078 |
| Average total loans | $45,484,000 | 4,649 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6026% | 1,141 |
| Cost of funding earning assets | 0.3043% | 4,001 |
| Net interest margin | 4.2983% | 789 |
| Noninterest income to average assets | 0.2494% | 4,752 |
| Noninterest expense to average assets | 2.2016% | 4,637 |
| Loan and lease loss provision to assets | 0.1425% | 1,318 |
| Net operating income to assets | 1.9309% | 344 |
| Return on assets (ROA) | 1.9309% | 358 |
| Pretax return on assets | 1.9309% | 587 |
| Return on Equity (ROE) | 16.3586% | 484 |
| Retained earnings to average equity (ytd only) | -3.2596% | 5,275 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5000% | 5,289 |
| Assets per employee ($millions) | 4.2255% | 3,624 |
| Cash dividends to net income (ytd only)* | 119.9262% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4268% | 5,664 |
| Loan loss allowance to noncurrent loans | 23.3010% | 5,150 |
| Noncurrent assets plus other real estate owned to assets | 1.5237% | 1,041 |
| Noncurrent loans to loans | 1.8316% | 1,018 |
| Net loans and leases to total assets | 81.5478% | 620 |
| Net loans and leases to deposits | 94.8243% | 1,035 |
| Net loans and leases to core deposits | 99.8284% | 1,514 |
| Total domestic deposits to total assets | 85.9988% | 2,664 |
| Equity capital to assets | 12.0533% | 1,798 |
| Core capital (leverage) ratio | 10.2687% | 3,159 |
| Tier 1 risk-based capital ratio | 12.9988% | 4,081 |
| Total risk-based capital ratio | 13.4424% | 4,488 |
| Memoranda: | ||
| Average total assets | $56,140,000 | 5,191 |
| Average earning assets | $52,579,000 | 5,163 |
| Average equity | $6,626,500 | 5,135 |
| Average total loans | $45,518,500 | 4,688 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2264% | 2,401 |
| Cost of funding earning assets | 0.3064% | 3,998 |
| Net interest margin | 3.9200% | 1,900 |
| Noninterest income to average assets | 0.2099% | 5,160 |
| Noninterest expense to average assets | 2.7068% | 3,323 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2062% | 1,488 |
| Return on assets (ROA) | 1.2545% | 1,423 |
| Pretax return on assets | 1.2545% | 2,455 |
| Return on Equity (ROE) | 10.3610% | 1,824 |
| Retained earnings to average equity (ytd only) | -16.5976% | 5,843 |
| Net charge-offs to loans | 0.0154% | 3,781 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 100.0000% | 596 |
| Efficiency ratio | 69.1739% | 3,045 |
| Assets per employee ($millions) | 4.4115% | 3,253 |
| Cash dividends to net income (ytd only)* | 260.1923% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3735% | 5,754 |
| Loan loss allowance to noncurrent loans | 614.2857% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.1813% | 4,593 |
| Noncurrent loans to loans | 0.0608% | 4,997 |
| Net loans and leases to total assets | 79.9979% | 894 |
| Net loans and leases to deposits | 92.2505% | 1,414 |
| Net loans and leases to core deposits | 94.1435% | 2,091 |
| Total domestic deposits to total assets | 86.7182% | 2,276 |
| Equity capital to assets | 11.5643% | 2,110 |
| Core capital (leverage) ratio | 10.2560% | 3,164 |
| Tier 1 risk-based capital ratio | 12.9636% | 4,101 |
| Total risk-based capital ratio | 13.3536% | 4,532 |
| Memoranda: | ||
| Average total assets | $41,451,000 | 5,516 |
| Average earning assets | $39,158,600 | 5,483 |
| Average equity | $5,018,800 | 5,464 |
| Average total loans | $32,513,600 | 5,118 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8960% | 3,598 |
| Cost of funding earning assets | 0.2844% | 4,263 |
| Net interest margin | 3.6116% | 3,026 |
| Noninterest income to average assets | 0.2312% | 5,088 |
| Noninterest expense to average assets | 2.4762% | 4,060 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1883% | 1,678 |
| Return on assets (ROA) | 1.1883% | 1,776 |
| Pretax return on assets | 1.1883% | 2,880 |
| Return on Equity (ROE) | 9.6484% | 2,207 |
| Retained earnings to average equity (ytd only) | -26.2008% | 5,933 |
| Net charge-offs to loans | 0.0046% | 3,758 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 334.8271% | 256 |
| Efficiency ratio | 67.5728% | 3,306 |
| Assets per employee ($millions) | 4.3332% | 3,362 |
| Cash dividends to net income (ytd only)* | 371.5598% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4025% | 5,797 |
| Loan loss allowance to noncurrent loans | 251.4286% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.2965% | 4,232 |
| Noncurrent loans to loans | 0.1601% | 4,712 |
| Net loans and leases to total assets | 77.3198% | 1,303 |
| Net loans and leases to deposits | 87.8355% | 2,038 |
| Net loans and leases to core deposits | 89.6433% | 2,607 |
| Total domestic deposits to total assets | 88.0279% | 1,392 |
| Equity capital to assets | 11.9029% | 2,183 |
| Core capital (leverage) ratio | 17.2265% | 351 |
| Tier 1 risk-based capital ratio | 15.2128% | 2,949 |
| Total risk-based capital ratio | 15.6482% | 3,264 |
| Memoranda: | ||
| Average total assets | $37,476,500 | 5,642 |
| Average earning assets | $35,625,250 | 5,609 |
| Average equity | $4,615,500 | 5,593 |
| Average total loans | $29,129,500 | 5,274 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0750% | 2,974 |
| Cost of funding earning assets | 0.2887% | 4,259 |
| Net interest margin | 3.7863% | 2,380 |
| Noninterest income to average assets | 0.1795% | 5,417 |
| Noninterest expense to average assets | 2.5391% | 3,914 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2567% | 1,399 |
| Return on assets (ROA) | 1.2567% | 1,521 |
| Pretax return on assets | 1.2567% | 2,582 |
| Return on Equity (ROE) | 10.0026% | 2,049 |
| Retained earnings to average equity (ytd only) | 2.2965% | 4,414 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8919% | 3,554 |
| Assets per employee ($millions) | 4.4096% | 3,199 |
| Cash dividends to net income (ytd only)* | 77.0408% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7599% | 5,375 |
| Loan loss allowance to noncurrent loans | 491.6667% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.1166% | 5,045 |
| Noncurrent loans to loans | 0.1546% | 4,821 |
| Net loans and leases to total assets | 74.8858% | 1,674 |
| Net loans and leases to deposits | 85.9869% | 2,256 |
| Net loans and leases to core deposits | 89.3092% | 2,602 |
| Total domestic deposits to total assets | 87.0898% | 1,870 |
| Equity capital to assets | 12.8163% | 1,604 |
| Core capital (leverage) ratio | 12.1693% | 1,523 |
| Tier 1 risk-based capital ratio | 17.0855% | 2,184 |
| Total risk-based capital ratio | 17.8700% | 2,330 |
| Memoranda: | ||
| Average total assets | $31,191,670 | 5,827 |
| Average earning assets | $29,791,330 | 5,794 |
| Average equity | $3,919,000 | 5,779 |
| Average total loans | $24,262,330 | 5,493 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0676% | 2,974 |
| Cost of funding earning assets | 0.2801% | 4,388 |
| Net interest margin | 3.7876% | 2,335 |
| Noninterest income to average assets | 0.2041% | 5,275 |
| Noninterest expense to average assets | 2.2326% | 4,826 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5947% | 707 |
| Return on assets (ROA) | 1.5947% | 750 |
| Pretax return on assets | 1.5947% | 1,311 |
| Return on Equity (ROE) | 12.8189% | 1,080 |
| Retained earnings to average equity (ytd only) | 7.1786% | 1,803 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3333% | 4,955 |
| Assets per employee ($millions) | 4.5059% | 3,058 |
| Cash dividends to net income (ytd only)* | 44.0000% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7401% | 5,519 |
| Loan loss allowance to noncurrent loans | 368.7500% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.1522% | 4,968 |
| Noncurrent loans to loans | 0.2007% | 4,699 |
| Net loans and leases to total assets | 75.2671% | 1,508 |
| Net loans and leases to deposits | 86.1237% | 2,053 |
| Net loans and leases to core deposits | 89.3657% | 2,433 |
| Total domestic deposits to total assets | 87.3942% | 1,997 |
| Equity capital to assets | 12.5202% | 1,670 |
| Core capital (leverage) ratio | 12.7401% | 1,256 |
| Tier 1 risk-based capital ratio | 16.8857% | 2,328 |
| Total risk-based capital ratio | 17.6560% | 2,473 |
| Memoranda: | ||
| Average total assets | $31,354,000 | 5,884 |
| Average earning assets | $29,993,000 | 5,849 |
| Average equity | $3,900,500 | 5,828 |
| Average total loans | $24,747,500 | 5,522 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9534% | 3,505 |
| Cost of funding earning assets | 0.2575% | 4,712 |
| Net interest margin | 3.6960% | 2,761 |
| Noninterest income to average assets | 0.2430% | 5,143 |
| Noninterest expense to average assets | 2.2965% | 4,802 |
| Loan and lease loss provision to assets | 0.0333% | 3,697 |
| Net operating income to assets | 1.4012% | 1,034 |
| Return on assets (ROA) | 1.4012% | 1,077 |
| Pretax return on assets | 1.4012% | 1,896 |
| Return on Equity (ROE) | 11.2087% | 1,541 |
| Retained earnings to average equity (ytd only) | 5.8839% | 1,852 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5522% | 4,684 |
| Assets per employee ($millions) | 4.4524% | 3,120 |
| Cash dividends to net income (ytd only)* | 47.5059% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6920% | 5,646 |
| Loan loss allowance to noncurrent loans | 276.5625% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.2053% | 4,775 |
| Noncurrent loans to loans | 0.2502% | 4,533 |
| Net loans and leases to total assets | 81.4997% | 640 |
| Net loans and leases to deposits | 101.7261% | 558 |
| Net loans and leases to core deposits | 101.7261% | 1,382 |
| Total domestic deposits to total assets | 80.1168% | 4,714 |
| Equity capital to assets | 12.3592% | 1,696 |
| Core capital (leverage) ratio | 12.7233% | 1,253 |
| Tier 1 risk-based capital ratio | 26.1389% | 734 |
| Total risk-based capital ratio | 27.3532% | 713 |
| Memoranda: | ||
| Average total assets | $30,046,200 | 5,955 |
| Average earning assets | $28,355,000 | 5,932 |
| Average equity | $3,756,000 | 5,895 |
| Average total loans | $22,675,400 | 5,628 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9221% | 3,674 |
| Cost of funding earning assets | 0.2570% | 4,793 |
| Net interest margin | 3.6650% | 2,909 |
| Noninterest income to average assets | 0.2688% | 5,012 |
| Noninterest expense to average assets | 2.1680% | 5,130 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.5498% | 852 |
| Return on assets (ROA) | 1.5498% | 893 |
| Pretax return on assets | 1.5498% | 1,536 |
| Return on Equity (ROE) | 12.3612% | 1,282 |
| Retained earnings to average equity (ytd only) | 7.0024% | 1,685 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3133% | 5,082 |
| Assets per employee ($millions) | 4.2020% | 3,515 |
| Cash dividends to net income (ytd only)* | 43.3539% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7499% | 5,625 |
| Loan loss allowance to noncurrent loans | 538.7097% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.1054% | 5,325 |
| Noncurrent loans to loans | 0.1392% | 5,074 |
| Net loans and leases to total assets | 75.1445% | 1,519 |
| Net loans and leases to deposits | 86.4783% | 2,091 |
| Net loans and leases to core deposits | 86.4783% | 2,798 |
| Total domestic deposits to total assets | 86.8940% | 2,100 |
| Equity capital to assets | 13.0278% | 1,426 |
| Core capital (leverage) ratio | 12.9881% | 1,206 |
| Tier 1 risk-based capital ratio | 16.2057% | 2,710 |
| Total risk-based capital ratio | 16.9207% | 2,898 |
| Memoranda: | ||
| Average total assets | $29,766,000 | 6,041 |
| Average earning assets | $28,011,750 | 6,016 |
| Average equity | $3,732,000 | 5,980 |
| Average total loans | $21,949,750 | 5,718 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8592% | 3,830 |
| Cost of funding earning assets | 0.2559% | 4,883 |
| Net interest margin | 3.6033% | 3,080 |
| Noninterest income to average assets | 0.2878% | 4,905 |
| Noninterest expense to average assets | 2.1684% | 5,186 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.5125% | 879 |
| Return on assets (ROA) | 1.5125% | 921 |
| Pretax return on assets | 1.5125% | 1,611 |
| Return on Equity (ROE) | 12.2206% | 1,310 |
| Retained earnings to average equity (ytd only) | 6.7592% | 1,814 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9091% | 5,122 |
| Assets per employee ($millions) | 4.8340% | 2,498 |
| Cash dividends to net income (ytd only)* | 44.6903% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7725% | 5,663 |
| Loan loss allowance to noncurrent loans | 315.0943% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.1827% | 5,135 |
| Noncurrent loans to loans | 0.2452% | 4,782 |
| Net loans and leases to total assets | 73.9553% | 1,669 |
| Net loans and leases to deposits | 84.9337% | 2,196 |
| Net loans and leases to core deposits | 84.9337% | 2,888 |
| Total domestic deposits to total assets | 87.0742% | 2,127 |
| Equity capital to assets | 12.8706% | 1,460 |
| Core capital (leverage) ratio | 12.6964% | 1,296 |
| Tier 1 risk-based capital ratio | 15.4180% | 3,151 |
| Total risk-based capital ratio | 16.1077% | 3,376 |
| Memoranda: | ||
| Average total assets | $29,883,330 | 6,113 |
| Average earning assets | $28,140,670 | 6,082 |
| Average equity | $3,698,670 | 6,045 |
| Average total loans | $21,843,000 | 5,779 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7773% | 4,105 |
| Cost of funding earning assets | 0.2518% | 5,002 |
| Net interest margin | 3.5255% | 3,322 |
| Noninterest income to average assets | 0.3298% | 4,552 |
| Noninterest expense to average assets | 2.2029% | 5,136 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4510% | 939 |
| Return on assets (ROA) | 1.4510% | 1,000 |
| Pretax return on assets | 1.4510% | 1,724 |
| Return on Equity (ROE) | 11.9517% | 1,360 |
| Retained earnings to average equity (ytd only) | 7.4969% | 1,763 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2888% | 5,056 |
| Assets per employee ($millions) | 5.1115% | 2,207 |
| Cash dividends to net income (ytd only)* | 37.2727% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7980% | 5,693 |
| Loan loss allowance to noncurrent loans | 521.8750% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.1043% | 5,535 |
| Noncurrent loans to loans | 0.1529% | 5,229 |
| Net loans and leases to total assets | 67.6905% | 2,500 |
| Net loans and leases to deposits | 77.0945% | 2,934 |
| Net loans and leases to core deposits | 77.0945% | 3,477 |
| Total domestic deposits to total assets | 87.8020% | 1,931 |
| Equity capital to assets | 12.1360% | 1,933 |
| Core capital (leverage) ratio | 12.0782% | 1,590 |
| Tier 1 risk-based capital ratio | 13.6487% | 4,250 |
| Total risk-based capital ratio | 14.2719% | 4,506 |
| Memoranda: | ||
| Average total assets | $30,323,000 | 6,166 |
| Average earning assets | $28,592,000 | 6,132 |
| Average equity | $3,681,500 | 6,105 |
| Average total loans | $21,956,000 | 5,825 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9535% | 3,909 |
| Cost of funding earning assets | 0.2321% | 5,502 |
| Net interest margin | 3.7214% | 2,919 |
| Noninterest income to average assets | 0.2100% | 5,604 |
| Noninterest expense to average assets | 2.3097% | 5,088 |
| Loan and lease loss provision to assets | 0.0172% | 4,266 |
| Net operating income to assets | 1.3597% | 1,162 |
| Return on assets (ROA) | 1.3597% | 1,209 |
| Pretax return on assets | 1.3597% | 2,042 |
| Return on Equity (ROE) | 11.2076% | 1,653 |
| Retained earnings to average equity (ytd only) | 5.8450% | 2,026 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6517% | 4,802 |
| Assets per employee ($millions) | 4.9962% | 2,328 |
| Cash dividends to net income (ytd only)* | 47.8481% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7266% | 5,936 |
| Loan loss allowance to noncurrent loans | 347.9167% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.1601% | 5,382 |
| Noncurrent loans to loans | 0.2088% | 5,069 |
| Net loans and leases to total assets | 76.1184% | 1,248 |
| Net loans and leases to deposits | 89.3282% | 1,579 |
| Net loans and leases to core deposits | 89.3282% | 2,350 |
| Total domestic deposits to total assets | 85.2120% | 3,204 |
| Equity capital to assets | 12.1460% | 1,908 |
| Core capital (leverage) ratio | 12.3656% | 1,414 |
| Tier 1 risk-based capital ratio | 15.2270% | 3,361 |
| Total risk-based capital ratio | 15.9355% | 3,593 |
| Memoranda: | ||
| Average total assets | $29,050,800 | 6,265 |
| Average earning assets | $27,140,400 | 6,238 |
| Average equity | $3,524,400 | 6,178 |
| Average total loans | $21,302,800 | 5,910 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9162% | 4,111 |
| Cost of funding earning assets | 0.2333% | 5,567 |
| Net interest margin | 3.6829% | 3,095 |
| Noninterest income to average assets | 0.2221% | 5,599 |
| Noninterest expense to average assets | 2.2855% | 5,143 |
| Loan and lease loss provision to assets | 0.0231% | 3,944 |
| Net operating income to assets | 1.3463% | 1,256 |
| Return on assets (ROA) | 1.3463% | 1,311 |
| Pretax return on assets | 1.3463% | 2,213 |
| Return on Equity (ROE) | 11.1005% | 1,753 |
| Retained earnings to average equity (ytd only) | 6.2179% | 2,267 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5316% | 4,806 |
| Assets per employee ($millions) | 4.7842% | 2,542 |
| Cash dividends to net income (ytd only)* | 43.9857% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7826% | 5,916 |
| Loan loss allowance to noncurrent loans | 575.8621% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.1010% | 5,763 |
| Noncurrent loans to loans | 0.1359% | 5,520 |
| Net loans and leases to total assets | 73.7537% | 1,563 |
| Net loans and leases to deposits | 84.9661% | 2,036 |
| Net loans and leases to core deposits | 84.9661% | 2,779 |
| Total domestic deposits to total assets | 86.8037% | 2,419 |
| Equity capital to assets | 12.5274% | 1,678 |
| Core capital (leverage) ratio | 12.3477% | 1,488 |
| Tier 1 risk-based capital ratio | 15.9996% | 3,056 |
| Total risk-based capital ratio | 16.7531% | 3,259 |
| Memoranda: | ||
| Average total assets | $28,819,250 | 6,344 |
| Average earning assets | $26,862,250 | 6,319 |
| Average equity | $3,495,250 | 6,250 |
| Average total loans | $20,882,250 | 5,985 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8392% | 4,378 |
| Cost of funding earning assets | 0.2311% | 5,652 |
| Net interest margin | 3.6081% | 3,332 |
| Noninterest income to average assets | 0.2356% | 5,516 |
| Noninterest expense to average assets | 2.3010% | 5,151 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2891% | 1,343 |
| Return on assets (ROA) | 1.2891% | 1,398 |
| Pretax return on assets | 1.2891% | 2,300 |
| Return on Equity (ROE) | 10.7463% | 1,828 |
| Retained earnings to average equity (ytd only) | 5.7776% | 2,467 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0927% | 4,674 |
| Assets per employee ($millions) | 4.7287% | 2,571 |
| Cash dividends to net income (ytd only)* | 46.2366% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7949% | 5,985 |
| Loan loss allowance to noncurrent loans | 16,200.0000% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 6,260 |
| Noncurrent loans to loans | 0.0049% | 6,086 |
| Net loans and leases to total assets | 71.2569% | 1,873 |
| Net loans and leases to deposits | 81.3954% | 2,333 |
| Net loans and leases to core deposits | 81.3954% | 3,052 |
| Total domestic deposits to total assets | 87.5441% | 2,174 |
| Equity capital to assets | 12.4242% | 1,697 |
| Core capital (leverage) ratio | 12.1800% | 1,559 |
| Tier 1 risk-based capital ratio | 16.1332% | 3,018 |
| Total risk-based capital ratio | 16.8836% | 3,222 |
| Memoranda: | ||
| Average total assets | $28,857,330 | 6,409 |
| Average earning assets | $26,828,330 | 6,382 |
| Average equity | $3,461,670 | 6,298 |
| Average total loans | $20,730,330 | 6,042 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7745% | 4,590 |
| Cost of funding earning assets | 0.2229% | 5,820 |
| Net interest margin | 3.5516% | 3,475 |
| Noninterest income to average assets | 0.2474% | 5,380 |
| Noninterest expense to average assets | 2.2680% | 5,279 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2646% | 1,307 |
| Return on assets (ROA) | 1.2646% | 1,360 |
| Pretax return on assets | 1.2646% | 2,234 |
| Return on Equity (ROE) | 10.7289% | 1,787 |
| Retained earnings to average equity (ytd only) | 4.7813% | 3,244 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2023% | 4,829 |
| Assets per employee ($millions) | 4.8783% | 2,400 |
| Cash dividends to net income (ytd only)* | 55.4348% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8092% | 6,080 |
| Loan loss allowance to noncurrent loans | 8,100.0000% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0068% | 6,317 |
| Noncurrent loans to loans | 0.0100% | 6,143 |
| Net loans and leases to total assets | 67.8476% | 2,249 |
| Net loans and leases to deposits | 77.0326% | 2,675 |
| Net loans and leases to core deposits | 77.0326% | 3,302 |
| Total domestic deposits to total assets | 88.0765% | 2,193 |
| Equity capital to assets | 11.8005% | 2,009 |
| Core capital (leverage) ratio | 11.7212% | 1,818 |
| Tier 1 risk-based capital ratio | 16.3687% | 2,962 |
| Total risk-based capital ratio | 17.1431% | 3,183 |
| Memoranda: | ||
| Average total assets | $29,100,000 | 6,469 |
| Average earning assets | $26,917,500 | 6,442 |
| Average equity | $3,430,000 | 6,357 |
| Average total loans | $20,906,000 | 6,098 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8080% | 4,791 |
| Cost of funding earning assets | 0.2895% | 5,677 |
| Net interest margin | 3.5184% | 3,816 |
| Noninterest income to average assets | 0.2010% | 5,881 |
| Noninterest expense to average assets | 2.2243% | 5,569 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.2467% | 1,407 |
| Return on assets (ROA) | 1.2467% | 1,459 |
| Pretax return on assets | 1.2467% | 2,379 |
| Return on Equity (ROE) | 11.0161% | 1,763 |
| Retained earnings to average equity (ytd only) | 6.3508% | 1,771 |
| Net charge-offs to loans | 0.0048% | 5,380 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 366.0000% | 118 |
| Efficiency ratio | 64.0824% | 4,878 |
| Assets per employee ($millions) | 4.8217% | 2,419 |
| Cash dividends to net income (ytd only)* | 42.3497% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7434% | 6,285 |
| Loan loss allowance to noncurrent loans | 8,100.0000% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 6,414 |
| Noncurrent loans to loans | 0.0092% | 6,265 |
| Net loans and leases to total assets | 74.7632% | 1,247 |
| Net loans and leases to deposits | 86.7728% | 1,599 |
| Net loans and leases to core deposits | 86.7728% | 2,374 |
| Total domestic deposits to total assets | 86.1597% | 3,171 |
| Equity capital to assets | 11.7732% | 1,967 |
| Core capital (leverage) ratio | 11.9445% | 1,648 |
| Tier 1 risk-based capital ratio | 14.9285% | 3,710 |
| Total risk-based capital ratio | 15.6432% | 3,967 |
| Memoranda: | ||
| Average total assets | $29,358,200 | 6,532 |
| Average earning assets | $27,285,000 | 6,502 |
| Average equity | $3,322,400 | 6,470 |
| Average total loans | $20,655,200 | 6,166 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7955% | 4,869 |
| Cost of funding earning assets | 0.3001% | 5,737 |
| Net interest margin | 3.4954% | 3,903 |
| Noninterest income to average assets | 0.2036% | 5,964 |
| Noninterest expense to average assets | 2.1087% | 5,810 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3620% | 1,200 |
| Return on assets (ROA) | 1.3620% | 1,244 |
| Pretax return on assets | 1.3620% | 2,067 |
| Return on Equity (ROE) | 12.1557% | 1,430 |
| Retained earnings to average equity (ytd only) | 7.1886% | 1,792 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7562% | 5,315 |
| Assets per employee ($millions) | 4.7412% | 2,521 |
| Cash dividends to net income (ytd only)* | 40.8651% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8278% | 6,221 |
| Loan loss allowance to noncurrent loans | 1,630.0000% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.0352% | 6,371 |
| Noncurrent loans to loans | 0.0508% | 6,193 |
| Net loans and leases to total assets | 68.6434% | 2,208 |
| Net loans and leases to deposits | 77.9428% | 2,673 |
| Net loans and leases to core deposits | 77.9428% | 3,368 |
| Total domestic deposits to total assets | 88.0690% | 2,089 |
| Equity capital to assets | 11.8536% | 2,011 |
| Core capital (leverage) ratio | 11.7976% | 1,819 |
| Tier 1 risk-based capital ratio | 16.2512% | 3,059 |
| Total risk-based capital ratio | 17.0417% | 3,261 |
| Memoranda: | ||
| Average total assets | $29,465,250 | 6,598 |
| Average earning assets | $27,540,500 | 6,573 |
| Average equity | $3,301,500 | 6,547 |
| Average total loans | $20,371,250 | 6,245 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8359% | 4,710 |
| Cost of funding earning assets | 0.3017% | 5,814 |
| Net interest margin | 3.5342% | 3,636 |
| Noninterest income to average assets | 0.2282% | 5,813 |
| Noninterest expense to average assets | 2.0936% | 5,878 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4360% | 1,009 |
| Return on assets (ROA) | 1.4360% | 1,094 |
| Pretax return on assets | 1.4360% | 1,821 |
| Return on Equity (ROE) | 13.0567% | 1,233 |
| Retained earnings to average equity (ytd only) | 7.8096% | 1,563 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3156% | 5,564 |
| Assets per employee ($millions) | 4.6712% | 2,557 |
| Cash dividends to net income (ytd only)* | 40.1869% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8405% | 6,278 |
| Loan loss allowance to noncurrent loans | 1,018.7500% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.0571% | 6,331 |
| Noncurrent loans to loans | 0.0825% | 6,146 |
| Net loans and leases to total assets | 68.6124% | 2,122 |
| Net loans and leases to deposits | 77.9047% | 2,585 |
| Net loans and leases to core deposits | 77.9047% | 3,306 |
| Total domestic deposits to total assets | 88.0722% | 2,196 |
| Equity capital to assets | 11.8386% | 2,018 |
| Core capital (leverage) ratio | 11.2424% | 2,139 |
| Tier 1 risk-based capital ratio | 16.3287% | 3,024 |
| Total risk-based capital ratio | 17.1349% | 3,211 |
| Memoranda: | ||
| Average total assets | $29,804,670 | 6,641 |
| Average earning assets | $27,842,000 | 6,617 |
| Average equity | $3,278,000 | 6,605 |
| Average total loans | $20,598,330 | 6,273 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7970% | 4,833 |
| Cost of funding earning assets | 0.3071% | 5,917 |
| Net interest margin | 3.4899% | 3,747 |
| Noninterest income to average assets | 0.2476% | 5,689 |
| Noninterest expense to average assets | 2.0330% | 6,037 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4726% | 904 |
| Return on assets (ROA) | 1.4726% | 986 |
| Pretax return on assets | 1.4726% | 1,640 |
| Return on Equity (ROE) | 13.8735% | 984 |
| Retained earnings to average equity (ytd only) | 8.5942% | 1,523 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9926% | 5,854 |
| Assets per employee ($millions) | 5.2773% | 1,889 |
| Cash dividends to net income (ytd only)* | 38.0531% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8199% | 6,424 |
| Loan loss allowance to noncurrent loans | 428.9474% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.1200% | 6,208 |
| Noncurrent loans to loans | 0.1911% | 5,925 |
| Net loans and leases to total assets | 62.2726% | 3,009 |
| Net loans and leases to deposits | 69.5398% | 3,568 |
| Net loans and leases to core deposits | 69.5398% | 4,134 |
| Total domestic deposits to total assets | 89.5496% | 1,332 |
| Equity capital to assets | 10.3967% | 3,675 |
| Core capital (leverage) ratio | 10.4210% | 2,883 |
| Tier 1 risk-based capital ratio | 15.7519% | 3,400 |
| Total risk-based capital ratio | 16.5436% | 3,613 |
| Memoranda: | ||
| Average total assets | $30,693,500 | 6,690 |
| Average earning assets | $28,654,500 | 6,657 |
| Average equity | $3,258,000 | 6,671 |
| Average total loans | $21,201,000 | 6,303 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2883% | 4,231 |
| Cost of funding earning assets | 0.4022% | 5,902 |
| Net interest margin | 3.8862% | 2,888 |
| Noninterest income to average assets | 0.2560% | 5,631 |
| Noninterest expense to average assets | 2.4304% | 5,316 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.4496% | 1,007 |
| Return on assets (ROA) | 1.4496% | 1,123 |
| Pretax return on assets | 1.4496% | 1,853 |
| Return on Equity (ROE) | 12.9045% | 1,253 |
| Retained earnings to average equity (ytd only) | 7.3190% | 1,414 |
| Net charge-offs to loans | 0.0099% | 5,800 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 201.0000% | 210 |
| Efficiency ratio | 62.6394% | 5,142 |
| Assets per employee ($millions) | 4.9538% | 2,288 |
| Cash dividends to net income (ytd only)* | 43.2836% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7238% | 6,605 |
| Loan loss allowance to noncurrent loans | 177.1739% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 0.3095% | 5,744 |
| Noncurrent loans to loans | 0.4085% | 5,463 |
| Net loans and leases to total assets | 75.2212% | 1,021 |
| Net loans and leases to deposits | 84.4208% | 1,711 |
| Net loans and leases to core deposits | 84.4208% | 2,499 |
| Total domestic deposits to total assets | 89.1027% | 1,494 |
| Equity capital to assets | 10.8468% | 3,125 |
| Core capital (leverage) ratio | 11.0300% | 2,231 |
| Tier 1 risk-based capital ratio | 13.5402% | 4,722 |
| Total risk-based capital ratio | 14.2357% | 5,058 |
| Memoranda: | ||
| Average total assets | $27,732,400 | 6,810 |
| Average earning assets | $25,860,800 | 6,763 |
| Average equity | $3,115,200 | 6,761 |
| Average total loans | $20,276,600 | 6,413 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3476% | 4,265 |
| Cost of funding earning assets | 0.4243% | 5,960 |
| Net interest margin | 3.9233% | 2,828 |
| Noninterest income to average assets | 0.2594% | 5,711 |
| Noninterest expense to average assets | 2.3744% | 5,474 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.5519% | 943 |
| Return on assets (ROA) | 1.5519% | 1,043 |
| Pretax return on assets | 1.5519% | 1,718 |
| Return on Equity (ROE) | 13.6872% | 1,176 |
| Retained earnings to average equity (ytd only) | 7.7286% | 1,739 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4738% | 5,418 |
| Assets per employee ($millions) | 4.5135% | 2,889 |
| Cash dividends to net income (ytd only)* | 43.5338% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8516% | 6,503 |
| Loan loss allowance to noncurrent loans | 323.5294% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.1883% | 6,236 |
| Noncurrent loans to loans | 0.2632% | 5,963 |
| Net loans and leases to total assets | 70.9353% | 1,732 |
| Net loans and leases to deposits | 80.4169% | 2,329 |
| Net loans and leases to core deposits | 80.4169% | 3,149 |
| Total domestic deposits to total assets | 88.2094% | 1,910 |
| Equity capital to assets | 11.7352% | 2,499 |
| Core capital (leverage) ratio | 11.4916% | 1,993 |
| Tier 1 risk-based capital ratio | 15.3687% | 3,613 |
| Total risk-based capital ratio | 16.1804% | 3,855 |
| Memoranda: | ||
| Average total assets | $27,234,750 | 6,908 |
| Average earning assets | $25,454,250 | 6,859 |
| Average equity | $3,088,000 | 6,854 |
| Average total loans | $19,715,500 | 6,525 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3589% | 4,350 |
| Cost of funding earning assets | 0.4374% | 6,054 |
| Net interest margin | 3.9214% | 2,825 |
| Noninterest income to average assets | 0.2785% | 5,583 |
| Noninterest expense to average assets | 2.4115% | 5,417 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.5466% | 917 |
| Return on assets (ROA) | 1.5466% | 1,028 |
| Pretax return on assets | 1.5466% | 1,720 |
| Return on Equity (ROE) | 13.7999% | 1,169 |
| Retained earnings to average equity (ytd only) | 7.5867% | 1,823 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9259% | 5,432 |
| Assets per employee ($millions) | 4.4903% | 2,917 |
| Cash dividends to net income (ytd only)* | 45.0237% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8446% | 6,580 |
| Loan loss allowance to noncurrent loans | 634.6154% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.0965% | 6,561 |
| Noncurrent loans to loans | 0.1331% | 6,330 |
| Net loans and leases to total assets | 71.9026% | 1,573 |
| Net loans and leases to deposits | 81.3471% | 2,188 |
| Net loans and leases to core deposits | 81.3471% | 3,043 |
| Total domestic deposits to total assets | 88.3899% | 1,896 |
| Equity capital to assets | 11.5693% | 2,524 |
| Core capital (leverage) ratio | 11.2088% | 2,117 |
| Tier 1 risk-based capital ratio | 15.0499% | 3,737 |
| Total risk-based capital ratio | 15.8612% | 3,988 |
| Memoranda: | ||
| Average total assets | $27,286,000 | 6,965 |
| Average earning assets | $25,603,000 | 6,912 |
| Average equity | $3,058,000 | 6,900 |
| Average total loans | $19,829,000 | 6,571 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3878% | 4,377 |
| Cost of funding earning assets | 0.4496% | 6,146 |
| Net interest margin | 3.9381% | 2,772 |
| Noninterest income to average assets | 0.3059% | 5,436 |
| Noninterest expense to average assets | 2.4182% | 5,412 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.5879% | 877 |
| Return on assets (ROA) | 1.5879% | 986 |
| Pretax return on assets | 1.5879% | 1,610 |
| Return on Equity (ROE) | 14.3966% | 1,105 |
| Retained earnings to average equity (ytd only) | 7.6606% | 2,103 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3636% | 5,567 |
| Assets per employee ($millions) | 4.6190% | 2,777 |
| Cash dividends to net income (ytd only)* | 46.7890% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8794% | 6,588 |
| Loan loss allowance to noncurrent loans | 634.6154% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.0938% | 6,646 |
| Noncurrent loans to loans | 0.1386% | 6,411 |
| Net loans and leases to total assets | 67.1033% | 2,274 |
| Net loans and leases to deposits | 75.5791% | 2,867 |
| Net loans and leases to core deposits | 75.5791% | 3,678 |
| Total domestic deposits to total assets | 88.7855% | 1,824 |
| Equity capital to assets | 11.0305% | 2,866 |
| Core capital (leverage) ratio | 10.6052% | 2,643 |
| Tier 1 risk-based capital ratio | 14.8950% | 3,825 |
| Total risk-based capital ratio | 15.7123% | 4,101 |
| Memoranda: | ||
| Average total assets | $27,458,000 | 7,017 |
| Average earning assets | $25,799,000 | 6,962 |
| Average equity | $3,028,500 | 6,958 |
| Average total loans | $19,975,000 | 6,612 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5855% | 4,730 |
| Cost of funding earning assets | 0.5970% | 6,100 |
| Net interest margin | 3.9884% | 2,943 |
| Noninterest income to average assets | 0.2747% | 5,568 |
| Noninterest expense to average assets | 2.5773% | 5,177 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.3921% | 1,043 |
| Return on assets (ROA) | 1.3921% | 1,129 |
| Pretax return on assets | 1.3921% | 1,806 |
| Return on Equity (ROE) | 12.8535% | 1,195 |
| Retained earnings to average equity (ytd only) | 7.7121% | 1,185 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9289% | 4,963 |
| Assets per employee ($millions) | 4.5337% | 2,856 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7787% | 6,787 |
| Loan loss allowance to noncurrent loans | 317.3077% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.1912% | 6,475 |
| Noncurrent loans to loans | 0.2454% | 6,243 |
| Net loans and leases to total assets | 77.2848% | 795 |
| Net loans and leases to deposits | 88.2059% | 1,354 |
| Net loans and leases to core deposits | 88.2059% | 2,351 |
| Total domestic deposits to total assets | 87.6186% | 2,392 |
| Equity capital to assets | 11.0286% | 2,953 |
| Core capital (leverage) ratio | 10.9683% | 2,294 |
| Tier 1 risk-based capital ratio | 13.3687% | 4,794 |
| Total risk-based capital ratio | 14.1178% | 5,156 |
| Memoranda: | ||
| Average total assets | $26,578,400 | 7,058 |
| Average earning assets | $24,621,200 | 7,024 |
| Average equity | $2,878,600 | 7,036 |
| Average total loans | $18,578,800 | 6,729 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5366% | 5,139 |
| Cost of funding earning assets | 0.6224% | 6,172 |
| Net interest margin | 3.9143% | 3,311 |
| Noninterest income to average assets | 0.2775% | 5,629 |
| Noninterest expense to average assets | 2.5281% | 5,362 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.3675% | 1,223 |
| Return on assets (ROA) | 1.3675% | 1,309 |
| Pretax return on assets | 1.3675% | 2,054 |
| Return on Equity (ROE) | 12.6857% | 1,363 |
| Retained earnings to average equity (ytd only) | 7.7237% | 1,615 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8964% | 4,916 |
| Assets per employee ($millions) | 4.3678% | 3,142 |
| Cash dividends to net income (ytd only)* | 39.1149% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8533% | 6,716 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 73.1560% | 1,478 |
| Net loans and leases to deposits | 82.4567% | 2,271 |
| Net loans and leases to core deposits | 82.4567% | 3,258 |
| Total domestic deposits to total assets | 88.7206% | 1,605 |
| Equity capital to assets | 11.2107% | 2,955 |
| Core capital (leverage) ratio | 10.8755% | 2,496 |
| Tier 1 risk-based capital ratio | 14.1930% | 4,209 |
| Total risk-based capital ratio | 15.0042% | 4,496 |
| Memoranda: | ||
| Average total assets | $26,422,500 | 7,134 |
| Average earning assets | $24,423,000 | 7,100 |
| Average equity | $2,848,250 | 7,111 |
| Average total loans | $17,926,500 | 6,824 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3900% | 5,730 |
| Cost of funding earning assets | 0.6482% | 6,236 |
| Net interest margin | 3.7417% | 4,074 |
| Noninterest income to average assets | 0.3020% | 5,476 |
| Noninterest expense to average assets | 2.5137% | 5,477 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.2305% | 1,493 |
| Return on assets (ROA) | 1.2305% | 1,565 |
| Pretax return on assets | 1.2305% | 2,369 |
| Return on Equity (ROE) | 11.5671% | 1,616 |
| Retained earnings to average equity (ytd only) | 7.0254% | 1,865 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1371% | 4,676 |
| Assets per employee ($millions) | 4.1718% | 3,408 |
| Cash dividends to net income (ytd only)* | 39.2638% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8842% | 6,701 |
| Loan loss allowance to noncurrent loans | 5,500.0000% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0120% | 7,091 |
| Noncurrent loans to loans | 0.0161% | 6,960 |
| Net loans and leases to total assets | 73.8884% | 1,439 |
| Net loans and leases to deposits | 83.4989% | 2,181 |
| Net loans and leases to core deposits | 83.4989% | 3,285 |
| Total domestic deposits to total assets | 88.4903% | 1,861 |
| Equity capital to assets | 11.4618% | 2,538 |
| Core capital (leverage) ratio | 11.1146% | 2,164 |
| Tier 1 risk-based capital ratio | 14.3373% | 3,913 |
| Total risk-based capital ratio | 15.1758% | 4,194 |
| Memoranda: | ||
| Average total assets | $26,494,330 | 7,198 |
| Average earning assets | $24,373,670 | 7,166 |
| Average equity | $2,818,330 | 7,177 |
| Average total loans | $17,456,330 | 6,919 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1917% | 6,297 |
| Cost of funding earning assets | 0.6771% | 6,259 |
| Net interest margin | 3.5146% | 4,939 |
| Noninterest income to average assets | 0.3232% | 5,338 |
| Noninterest expense to average assets | 2.3948% | 5,896 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1313% | 1,733 |
| Return on assets (ROA) | 1.1313% | 1,778 |
| Pretax return on assets | 1.1313% | 2,639 |
| Return on Equity (ROE) | 11.0276% | 1,735 |
| Retained earnings to average equity (ytd only) | 6.7311% | 2,271 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9167% | 4,672 |
| Assets per employee ($millions) | 4.6560% | 2,649 |
| Cash dividends to net income (ytd only)* | 38.9610% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0010% | 6,395 |
| Loan loss allowance to noncurrent loans | 2,062.5000% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.0286% | 7,100 |
| Noncurrent loans to loans | 0.0485% | 6,927 |
| Net loans and leases to total assets | 58.4157% | 4,571 |
| Net loans and leases to deposits | 65.0652% | 5,118 |
| Net loans and leases to core deposits | 65.0652% | 5,618 |
| Total domestic deposits to total assets | 89.7802% | 1,304 |
| Equity capital to assets | 10.0766% | 3,675 |
| Core capital (leverage) ratio | 10.1051% | 3,027 |
| Tier 1 risk-based capital ratio | 15.7988% | 2,999 |
| Total risk-based capital ratio | 16.7399% | 3,116 |
| Memoranda: | ||
| Average total assets | $27,226,000 | 7,228 |
| Average earning assets | $24,811,000 | 7,202 |
| Average equity | $2,793,000 | 7,226 |
| Average total loans | $16,854,500 | 7,003 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0722% | 4,221 |
| Cost of funding earning assets | 0.9980% | 5,708 |
| Net interest margin | 4.0743% | 2,683 |
| Noninterest income to average assets | 0.3157% | 5,537 |
| Noninterest expense to average assets | 2.7238% | 4,882 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.1325% | 1,603 |
| Return on assets (ROA) | 1.1325% | 1,682 |
| Pretax return on assets | 1.1325% | 2,454 |
| Return on Equity (ROE) | 9.9409% | 1,951 |
| Retained earnings to average equity (ytd only) | 6.1345% | 1,752 |
| Net charge-offs to loans | -0.0064% | 7,289 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6332% | 4,048 |
| Assets per employee ($millions) | 4.4193% | 2,987 |
| Cash dividends to net income (ytd only)* | 38.2900% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9579% | 6,543 |
| Loan loss allowance to noncurrent loans | 660.0000% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.0943% | 6,994 |
| Noncurrent loans to loans | 0.1451% | 6,785 |
| Net loans and leases to total assets | 64.3385% | 3,798 |
| Net loans and leases to deposits | 71.9073% | 4,536 |
| Net loans and leases to core deposits | 71.9073% | 5,224 |
| Total domestic deposits to total assets | 89.4743% | 1,394 |
| Equity capital to assets | 10.4503% | 3,211 |
| Core capital (leverage) ratio | 10.6230% | 2,441 |
| Tier 1 risk-based capital ratio | 14.4426% | 3,590 |
| Total risk-based capital ratio | 15.3177% | 3,795 |
| Memoranda: | ||
| Average total assets | $23,753,800 | 7,376 |
| Average earning assets | $20,641,800 | 7,388 |
| Average equity | $2,706,000 | 7,353 |
| Average total loans | $15,690,800 | 7,131 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2653% | 3,509 |
| Cost of funding earning assets | 1.0651% | 5,619 |
| Net interest margin | 4.2002% | 2,213 |
| Noninterest income to average assets | 0.3469% | 5,393 |
| Noninterest expense to average assets | 2.6997% | 4,879 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.2719% | 1,408 |
| Return on assets (ROA) | 1.2719% | 1,490 |
| Pretax return on assets | 1.2719% | 2,254 |
| Return on Equity (ROE) | 10.9055% | 1,814 |
| Retained earnings to average equity (ytd only) | 6.7910% | 1,948 |
| Net charge-offs to loans | -0.0087% | 7,255 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9767% | 4,468 |
| Assets per employee ($millions) | 4.1408% | 3,568 |
| Cash dividends to net income (ytd only)* | 37.7254% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1173% | 5,867 |
| Loan loss allowance to noncurrent loans | 611.1111% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.1087% | 7,087 |
| Noncurrent loans to loans | 0.1828% | 6,818 |
| Net loans and leases to total assets | 58.7764% | 5,141 |
| Net loans and leases to deposits | 66.1967% | 5,647 |
| Net loans and leases to core deposits | 66.1967% | 6,105 |
| Total domestic deposits to total assets | 88.7905% | 1,514 |
| Equity capital to assets | 11.0928% | 2,863 |
| Core capital (leverage) ratio | 10.9986% | 2,264 |
| Tier 1 risk-based capital ratio | 16.2338% | 2,656 |
| Total risk-based capital ratio | 17.2281% | 2,724 |
| Memoranda: | ||
| Average total assets | $23,063,250 | 7,491 |
| Average earning assets | $19,903,250 | 7,496 |
| Average equity | $2,689,750 | 7,451 |
| Average total loans | $15,307,250 | 7,242 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3634% | 3,140 |
| Cost of funding earning assets | 1.0973% | 5,687 |
| Net interest margin | 4.2661% | 1,903 |
| Noninterest income to average assets | 0.3827% | 5,063 |
| Noninterest expense to average assets | 2.7771% | 4,589 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.3085% | 1,286 |
| Return on assets (ROA) | 1.3085% | 1,351 |
| Pretax return on assets | 1.3085% | 2,056 |
| Return on Equity (ROE) | 11.0209% | 1,747 |
| Retained earnings to average equity (ytd only) | 7.0473% | 1,813 |
| Net charge-offs to loans | 0.0129% | 6,162 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 147.0000% | 233 |
| Efficiency ratio | 67.9739% | 4,590 |
| Assets per employee ($millions) | 3.2293% | 5,605 |
| Cash dividends to net income (ytd only)* | 36.0544% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0689% | 6,085 |
| Loan loss allowance to noncurrent loans | 493.9394% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.1460% | 7,028 |
| Noncurrent loans to loans | 0.2164% | 6,814 |
| Net loans and leases to total assets | 66.7374% | 3,680 |
| Net loans and leases to deposits | 75.9464% | 4,345 |
| Net loans and leases to core deposits | 75.9464% | 5,200 |
| Total domestic deposits to total assets | 87.8744% | 2,068 |
| Equity capital to assets | 12.0106% | 2,089 |
| Core capital (leverage) ratio | 11.8106% | 1,751 |
| Tier 1 risk-based capital ratio | 16.1106% | 2,625 |
| Total risk-based capital ratio | 17.1012% | 2,702 |
| Memoranda: | ||
| Average total assets | $22,469,330 | 7,569 |
| Average earning assets | $19,502,670 | 7,574 |
| Average equity | $2,667,670 | 7,510 |
| Average total loans | $15,487,000 | 7,288 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4195% | 2,943 |
| Cost of funding earning assets | 1.1377% | 5,718 |
| Net interest margin | 4.2818% | 1,744 |
| Noninterest income to average assets | 0.4643% | 4,345 |
| Noninterest expense to average assets | 2.8391% | 4,322 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.3213% | 1,251 |
| Return on assets (ROA) | 1.3213% | 1,322 |
| Pretax return on assets | 1.3213% | 1,995 |
| Return on Equity (ROE) | 11.1952% | 1,722 |
| Retained earnings to average equity (ytd only) | 7.4130% | 1,968 |
| Net charge-offs to loans | 0.0256% | 5,212 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 74.0000% | 419 |
| Efficiency ratio | 68.2403% | 4,679 |
| Assets per employee ($millions) | 3.1889% | 5,796 |
| Cash dividends to net income (ytd only)* | 33.7838% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0703% | 6,147 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 67.4940% | 3,509 |
| Net loans and leases to deposits | 76.8556% | 4,246 |
| Net loans and leases to core deposits | 76.8556% | 5,153 |
| Total domestic deposits to total assets | 87.8192% | 2,160 |
| Equity capital to assets | 11.9434% | 2,070 |
| Core capital (leverage) ratio | 11.4148% | 1,961 |
| Tier 1 risk-based capital ratio | 15.9077% | 2,684 |
| Total risk-based capital ratio | 16.9027% | 2,752 |
| Memoranda: | ||
| Average total assets | $22,401,500 | 7,666 |
| Average earning assets | $19,337,500 | 7,672 |
| Average equity | $2,644,000 | 7,596 |
| Average total loans | $15,606,000 | 7,375 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4782% | 4,270 |
| Cost of funding earning assets | 1.4444% | 5,743 |
| Net interest margin | 4.0338% | 2,726 |
| Noninterest income to average assets | 0.3991% | 5,211 |
| Noninterest expense to average assets | 2.8482% | 4,755 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.0341% | 1,726 |
| Return on assets (ROA) | 1.0341% | 1,770 |
| Pretax return on assets | 1.0341% | 2,483 |
| Return on Equity (ROE) | 8.9672% | 2,038 |
| Retained earnings to average equity (ytd only) | 5.5062% | 1,573 |
| Net charge-offs to loans | 0.0067% | 7,142 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 228.0000% | 127 |
| Efficiency ratio | 73.3645% | 4,022 |
| Assets per employee ($millions) | 3.2116% | 5,697 |
| Cash dividends to net income (ytd only)* | 38.5965% | 2,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0261% | 6,234 |
| Loan loss allowance to noncurrent loans | 282.7586% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.2580% | 6,805 |
| Noncurrent loans to loans | 0.3629% | 6,552 |
| Net loans and leases to total assets | 70.3661% | 3,167 |
| Net loans and leases to deposits | 79.8818% | 4,019 |
| Net loans and leases to core deposits | 84.0229% | 5,711 |
| Total domestic deposits to total assets | 88.0877% | 1,929 |
| Equity capital to assets | 11.6632% | 2,211 |
| Core capital (leverage) ratio | 11.7434% | 1,790 |
| Tier 1 risk-based capital ratio | 14.9830% | 2,947 |
| Total risk-based capital ratio | 15.9440% | 3,060 |
| Memoranda: | ||
| Average total assets | $22,049,200 | 7,722 |
| Average earning assets | $19,039,000 | 7,732 |
| Average equity | $2,542,600 | 7,719 |
| Average total loans | $14,847,000 | 7,463 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4259% | 4,820 |
| Cost of funding earning assets | 1.5122% | 5,769 |
| Net interest margin | 3.9136% | 3,186 |
| Noninterest income to average assets | 0.4193% | 5,140 |
| Noninterest expense to average assets | 2.6981% | 5,337 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.1181% | 1,679 |
| Return on assets (ROA) | 1.1181% | 1,744 |
| Pretax return on assets | 1.1181% | 2,507 |
| Return on Equity (ROE) | 9.7247% | 2,023 |
| Retained earnings to average equity (ytd only) | 6.4477% | 1,738 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7006% | 4,469 |
| Assets per employee ($millions) | 3.0107% | 6,136 |
| Cash dividends to net income (ytd only)* | 33.6934% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0988% | 5,733 |
| Loan loss allowance to noncurrent loans | 89.1892% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 0.8778% | 5,326 |
| Noncurrent loans to loans | 1.2320% | 4,888 |
| Net loans and leases to total assets | 70.4674% | 3,397 |
| Net loans and leases to deposits | 80.6462% | 4,265 |
| Net loans and leases to core deposits | 85.6805% | 5,894 |
| Total domestic deposits to total assets | 87.3784% | 1,960 |
| Equity capital to assets | 12.3464% | 2,033 |
| Core capital (leverage) ratio | 11.8687% | 1,852 |
| Tier 1 risk-based capital ratio | 15.0695% | 3,007 |
| Total risk-based capital ratio | 16.0492% | 3,078 |
| Memoranda: | ||
| Average total assets | $21,941,250 | 7,803 |
| Average earning assets | $19,044,000 | 7,804 |
| Average equity | $2,522,750 | 7,802 |
| Average total loans | $14,563,000 | 7,539 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3495% | 5,400 |
| Cost of funding earning assets | 1.5716% | 5,834 |
| Net interest margin | 3.7780% | 3,641 |
| Noninterest income to average assets | 0.4318% | 5,010 |
| Noninterest expense to average assets | 2.7170% | 5,317 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9807% | 2,173 |
| Return on assets (ROA) | 0.9807% | 2,269 |
| Pretax return on assets | 0.9807% | 3,083 |
| Return on Equity (ROE) | 8.7328% | 2,454 |
| Retained earnings to average equity (ytd only) | 5.3679% | 2,309 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4793% | 4,113 |
| Assets per employee ($millions) | 3.0544% | 5,987 |
| Cash dividends to net income (ytd only)* | 38.5321% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1839% | 5,051 |
| Loan loss allowance to noncurrent loans | 91.6667% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 0.8419% | 5,308 |
| Noncurrent loans to loans | 1.2915% | 4,616 |
| Net loans and leases to total assets | 64.4123% | 4,895 |
| Net loans and leases to deposits | 73.3333% | 5,562 |
| Net loans and leases to core deposits | 78.2278% | 6,534 |
| Total domestic deposits to total assets | 87.8350% | 1,845 |
| Equity capital to assets | 11.8657% | 2,282 |
| Core capital (leverage) ratio | 11.3695% | 2,152 |
| Tier 1 risk-based capital ratio | 16.3928% | 2,483 |
| Total risk-based capital ratio | 17.4817% | 2,487 |
| Memoranda: | ||
| Average total assets | $22,230,000 | 7,872 |
| Average earning assets | $19,216,670 | 7,880 |
| Average equity | $2,496,330 | 7,879 |
| Average total loans | $14,412,000 | 7,625 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2778% | 5,993 |
| Cost of funding earning assets | 1.5894% | 6,075 |
| Net interest margin | 3.6883% | 3,942 |
| Noninterest income to average assets | 0.3884% | 5,312 |
| Noninterest expense to average assets | 2.6132% | 5,400 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9711% | 2,435 |
| Return on assets (ROA) | 0.9711% | 2,558 |
| Pretax return on assets | 0.9711% | 3,462 |
| Return on Equity (ROE) | 8.8853% | 2,769 |
| Retained earnings to average equity (ytd only) | 6.4620% | 2,433 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9064% | 4,020 |
| Assets per employee ($millions) | 3.1676% | 5,683 |
| Cash dividends to net income (ytd only)* | 27.2727% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 4,805 |
| Loan loss allowance to noncurrent loans | 136.3636% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 0.5457% | 5,839 |
| Noncurrent loans to loans | 0.8800% | 5,252 |
| Net loans and leases to total assets | 61.2682% | 5,454 |
| Net loans and leases to deposits | 69.3395% | 6,043 |
| Net loans and leases to core deposits | 73.3333% | 6,846 |
| Total domestic deposits to total assets | 88.3597% | 1,542 |
| Equity capital to assets | 11.3020% | 2,716 |
| Core capital (leverage) ratio | 10.8880% | 2,591 |
| Tier 1 risk-based capital ratio | 16.1995% | 2,617 |
| Total risk-based capital ratio | 17.2878% | 2,616 |
| Memoranda: | ||
| Average total assets | $22,654,500 | 7,909 |
| Average earning assets | $19,629,500 | 7,917 |
| Average equity | $2,476,000 | 7,935 |
| Average total loans | $14,649,500 | 7,655 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0785% | 5,149 |
| Cost of funding earning assets | 1.8695% | 6,827 |
| Net interest margin | 4.2090% | 2,279 |
| Noninterest income to average assets | 0.3586% | 5,859 |
| Noninterest expense to average assets | 2.8735% | 4,530 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.2321% | 1,678 |
| Return on assets (ROA) | 1.2321% | 1,622 |
| Pretax return on assets | 1.2321% | 2,539 |
| Return on Equity (ROE) | 11.1592% | 1,857 |
| Retained earnings to average equity (ytd only) | 4.7052% | 2,201 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9888% | 4,354 |
| Assets per employee ($millions) | 3.3051% | 5,197 |
| Cash dividends to net income (ytd only)* | 57.8358% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0612% | 5,540 |
| Loan loss allowance to noncurrent loans | 4,125.0000% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.0173% | 7,536 |
| Noncurrent loans to loans | 0.0257% | 7,412 |
| Net loans and leases to total assets | 66.4938% | 4,756 |
| Net loans and leases to deposits | 74.5891% | 5,781 |
| Net loans and leases to core deposits | 79.9418% | 6,622 |
| Total domestic deposits to total assets | 89.1468% | 986 |
| Equity capital to assets | 10.5723% | 3,420 |
| Core capital (leverage) ratio | 10.5816% | 2,918 |
| Tier 1 risk-based capital ratio | 14.3425% | 3,368 |
| Total risk-based capital ratio | 15.3221% | 3,434 |
| Memoranda: | ||
| Average total assets | $21,750,800 | 7,959 |
| Average earning assets | $19,363,400 | 7,960 |
| Average equity | $2,401,600 | 8,018 |
| Average total loans | $14,914,400 | 7,655 |