Home > Peoples Trust and Savings Bank > Performance and Condition Ratios
Peoples Trust and Savings Bank, Performance and Condition Ratios
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5555% | 4,345 |
| Cost of funding earning assets | 0.6364% | 3,906 |
| Net interest margin | 2.9192% | 3,500 |
| Noninterest income to average assets | 0.0900% | 4,338 |
| Noninterest expense to average assets | 2.1456% | 3,222 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5841% | 3,584 |
| Return on assets (ROA) | 0.5531% | 3,643 |
| Pretax return on assets | 0.6982% | 3,560 |
| Return on Equity (ROE) | 7.1300% | 3,394 |
| Retained earnings to average equity (ytd only) | -0.4553% | 4,205 |
| 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 | 74.4218% | 1,326 |
| Assets per employee ($millions) | 8.1055% | 1,293 |
| Cash dividends to net income (ytd only)* | 106.3830% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8686% | 505 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 42.9200% | 3,956 |
| Net loans and leases to deposits | 53.4016% | 3,813 |
| Net loans and leases to core deposits | 53.9251% | 3,932 |
| Total domestic deposits to total assets | 80.3800% | 3,476 |
| Equity capital to assets | 7.9637% | 3,074 |
| Core capital (leverage) ratio | 11.2086% | 1,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $33,990,500 | 4,461 |
| Average earning assets | $32,474,250 | 4,420 |
| Average equity | $2,635,500 | 4,470 |
| Average total loans | $13,882,250 | 4,388 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4126% | 4,410 |
| Cost of funding earning assets | 0.4962% | 3,986 |
| Net interest margin | 2.9164% | 3,618 |
| Noninterest income to average assets | 0.1000% | 4,323 |
| Noninterest expense to average assets | 2.1267% | 3,275 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6264% | 3,515 |
| Return on assets (ROA) | 0.5795% | 3,635 |
| Pretax return on assets | 0.7128% | 3,579 |
| Return on Equity (ROE) | 7.5400% | 3,355 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,069 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.4000% | 1,417 |
| Assets per employee ($millions) | 6.8326% | 2,057 |
| Cash dividends to net income (ytd only)* | 100.0000% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9271% | 477 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 39.4800% | 4,060 |
| Net loans and leases to deposits | 42.8440% | 4,137 |
| Net loans and leases to core deposits | 42.8440% | 4,199 |
| Total domestic deposits to total assets | 92.1400% | 386 |
| Equity capital to assets | 7.7335% | 3,382 |
| Core capital (leverage) ratio | 11.3925% | 1,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $34,513,333 | 4,482 |
| Average earning assets | $33,054,333 | 4,442 |
| Average equity | $2,653,333 | 4,497 |
| Average total loans | $13,782,333 | 4,416 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4042% | 4,371 |
| Cost of funding earning assets | 0.4195% | 3,909 |
| Net interest margin | 2.9847% | 3,638 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 2.1217% | 3,327 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7276% | 3,402 |
| Return on assets (ROA) | 0.6342% | 3,580 |
| Pretax return on assets | 0.7841% | 3,494 |
| Return on Equity (ROE) | 8.2700% | 3,226 |
| Retained earnings to average equity (ytd only) | -6.7695% | 4,392 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.2290% | 1,727 |
| Assets per employee ($millions) | 6.4374% | 2,377 |
| Cash dividends to net income (ytd only)* | 181.8182% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9306% | 502 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 41.8200% | 3,962 |
| Net loans and leases to deposits | 53.5420% | 3,712 |
| Net loans and leases to core deposits | 53.5420% | 3,853 |
| Total domestic deposits to total assets | 78.1100% | 3,997 |
| Equity capital to assets | 8.2362% | 3,087 |
| Core capital (leverage) ratio | 10.9850% | 1,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $34,688,500 | 4,547 |
| Average earning assets | $33,370,500 | 4,507 |
| Average equity | $2,659,000 | 4,562 |
| Average total loans | $13,798,000 | 4,473 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8072% | 4,317 |
| Cost of funding earning assets | 0.1871% | 3,857 |
| Net interest margin | 2.6200% | 4,148 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 1.8182% | 3,999 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7875% | 3,367 |
| Return on assets (ROA) | 0.8036% | 3,241 |
| Pretax return on assets | 1.0426% | 2,937 |
| Return on Equity (ROE) | 10.8300% | 2,534 |
| Retained earnings to average equity (ytd only) | 7.4018% | 2,064 |
| Net charge-offs to loans | -0.0073% | 3,721 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.0107% | 2,488 |
| Assets per employee ($millions) | 7.4380% | 1,662 |
| Cash dividends to net income (ytd only)* | 31.6456% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9106% | 526 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 36.5800% | 4,191 |
| Net loans and leases to deposits | 39.4874% | 4,262 |
| Net loans and leases to core deposits | 39.4874% | 4,291 |
| Total domestic deposits to total assets | 92.6400% | 482 |
| Equity capital to assets | 7.1713% | 3,568 |
| Core capital (leverage) ratio | 10.2105% | 2,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $39,325,200 | 4,535 |
| Average earning assets | $37,938,400 | 4,497 |
| Average equity | $2,918,200 | 4,617 |
| Average total loans | $13,739,800 | 4,505 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6562% | 4,335 |
| Cost of funding earning assets | 0.1910% | 3,385 |
| Net interest margin | 2.4652% | 4,239 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 1.8632% | 3,837 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6672% | 3,650 |
| Return on assets (ROA) | 0.6857% | 3,565 |
| Pretax return on assets | 0.8864% | 3,355 |
| Return on Equity (ROE) | 9.1700% | 2,981 |
| Retained earnings to average equity (ytd only) | 4.6963% | 3,199 |
| Net charge-offs to loans | -0.0097% | 3,701 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.3436% | 1,971 |
| Assets per employee ($millions) | 7.3286% | 1,725 |
| Cash dividends to net income (ytd only)* | 48.7805% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9611% | 534 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 36.1500% | 4,221 |
| Net loans and leases to deposits | 38.9578% | 4,276 |
| Net loans and leases to core deposits | 38.9578% | 4,313 |
| Total domestic deposits to total assets | 92.8000% | 634 |
| Equity capital to assets | 6.8308% | 3,601 |
| Core capital (leverage) ratio | 9.9081% | 2,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $39,859,000 | 4,563 |
| Average earning assets | $38,399,500 | 4,528 |
| Average equity | $2,981,000 | 4,657 |
| Average total loans | $13,707,250 | 4,538 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4808% | 4,393 |
| Cost of funding earning assets | 0.1885% | 3,068 |
| Net interest margin | 2.2923% | 4,341 |
| Noninterest income to average assets | 0.1075% | 4,452 |
| Noninterest expense to average assets | 1.7395% | 4,075 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4447% | 4,012 |
| Return on assets (ROA) | 0.4447% | 3,964 |
| Pretax return on assets | 0.5668% | 3,878 |
| Return on Equity (ROE) | 5.7956% | 3,631 |
| Retained earnings to average equity (ytd only) | 2.6112% | 3,577 |
| Net charge-offs to loans | -0.0145% | 3,748 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4237% | 1,342 |
| Assets per employee ($millions) | 8.3200% | 1,146 |
| Cash dividends to net income (ytd only)* | 54.9451% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0660% | 484 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 30.1971% | 4,455 |
| Net loans and leases to deposits | 32.2408% | 4,493 |
| Net loans and leases to core deposits | 32.2408% | 4,528 |
| Total domestic deposits to total assets | 93.6611% | 353 |
| Equity capital to assets | 6.2404% | 4,120 |
| Core capital (leverage) ratio | 8.7310% | 3,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7077% | 2,201 |
| Memoranda: | ||
| Average total assets | $40,931,000 | 4,600 |
| Average earning assets | $39,262,000 | 4,574 |
| Average equity | $3,140,333 | 4,679 |
| Average total loans | $13,772,000 | 4,602 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4125% | 4,364 |
| Cost of funding earning assets | 0.2062% | 2,705 |
| Net interest margin | 2.2063% | 4,344 |
| Noninterest income to average assets | 0.1182% | 4,409 |
| Noninterest expense to average assets | 1.7834% | 3,976 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3547% | 4,046 |
| Return on assets (ROA) | 0.3547% | 4,011 |
| Pretax return on assets | 0.4434% | 3,964 |
| Return on Equity (ROE) | 4.2198% | 3,821 |
| Retained earnings to average equity (ytd only) | -1.6410% | 4,216 |
| Net charge-offs to loans | -0.0281% | 4,055 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0885% | 1,148 |
| Assets per employee ($millions) | 8.4286% | 1,153 |
| Cash dividends to net income (ytd only)* | 138.8889% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9022% | 739 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 32.4277% | 4,359 |
| Net loans and leases to deposits | 35.0258% | 4,420 |
| Net loans and leases to core deposits | 35.2853% | 4,447 |
| Total domestic deposits to total assets | 92.5824% | 384 |
| Equity capital to assets | 7.3346% | 4,028 |
| Core capital (leverage) ratio | 9.2231% | 3,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,596,500 | 4,629 |
| Average earning assets | $38,798,000 | 4,605 |
| Average equity | $3,412,500 | 4,695 |
| Average total loans | $14,244,500 | 4,616 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4396% | 2,828 |
| Cost of funding earning assets | 0.2786% | 2,614 |
| Net interest margin | 3.1610% | 2,707 |
| Noninterest income to average assets | 0.1497% | 4,399 |
| Noninterest expense to average assets | 2.1589% | 3,204 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8010% | 3,329 |
| Return on assets (ROA) | 0.8578% | 3,230 |
| Pretax return on assets | 1.0996% | 2,970 |
| Return on Equity (ROE) | 7.7166% | 3,312 |
| Retained earnings to average equity (ytd only) | 2.4082% | 3,855 |
| Net charge-offs to loans | 1.0710% | 59 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 2.2885% | 2,588 |
| Efficiency ratio | 67.7507% | 2,021 |
| Assets per employee ($millions) | 7.8100% | 1,434 |
| Cash dividends to net income (ytd only)* | 68.7919% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8134% | 840 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 36.6044% | 4,258 |
| Net loans and leases to deposits | 40.5159% | 4,325 |
| Net loans and leases to core deposits | 41.2002% | 4,362 |
| Total domestic deposits to total assets | 90.3457% | 783 |
| Equity capital to assets | 9.5621% | 3,088 |
| Core capital (leverage) ratio | 10.5802% | 1,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $34,739,200 | 4,714 |
| Average earning assets | $33,375,600 | 4,688 |
| Average equity | $3,861,800 | 4,715 |
| Average total loans | $14,565,400 | 4,661 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7202% | 2,219 |
| Cost of funding earning assets | 0.2906% | 2,681 |
| Net interest margin | 3.4296% | 2,075 |
| Noninterest income to average assets | 0.1466% | 4,460 |
| Noninterest expense to average assets | 2.2458% | 2,904 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9476% | 3,089 |
| Return on assets (ROA) | 1.0259% | 2,880 |
| Pretax return on assets | 1.3190% | 2,576 |
| Return on Equity (ROE) | 8.8687% | 3,147 |
| Retained earnings to average equity (ytd only) | 1.8491% | 4,233 |
| Net charge-offs to loans | 1.4187% | 44 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 1.9871% | 2,363 |
| Efficiency ratio | 64.8000% | 2,276 |
| Assets per employee ($millions) | 6.6716% | 2,123 |
| Cash dividends to net income (ytd only)* | 79.1506% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9890% | 647 |
| Loan loss allowance to noncurrent loans | 588.8889% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.4347% | 1,732 |
| Noncurrent loans to loans | 0.3378% | 2,571 |
| Net loans and leases to total assets | 39.1450% | 4,246 |
| Net loans and leases to deposits | 44.3984% | 4,296 |
| Net loans and leases to core deposits | 45.2978% | 4,342 |
| Total domestic deposits to total assets | 88.1678% | 1,738 |
| Equity capital to assets | 11.6104% | 1,596 |
| Core capital (leverage) ratio | 10.6526% | 1,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $33,661,500 | 4,788 |
| Average earning assets | $32,578,250 | 4,763 |
| Average equity | $3,893,750 | 4,777 |
| Average total loans | $14,567,250 | 4,731 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1961% | 1,195 |
| Cost of funding earning assets | 0.2936% | 2,836 |
| Net interest margin | 3.9025% | 966 |
| Noninterest income to average assets | 0.1481% | 4,456 |
| Noninterest expense to average assets | 2.2806% | 2,823 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2667% | 1,969 |
| Return on assets (ROA) | 1.3743% | 1,717 |
| Pretax return on assets | 1.7830% | 1,276 |
| Return on Equity (ROE) | 11.8954% | 2,106 |
| Retained earnings to average equity (ytd only) | 9.3317% | 1,611 |
| Net charge-offs to loans | 2.0691% | 33 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 1.7935% | 2,159 |
| Efficiency ratio | 58.0694% | 3,276 |
| Assets per employee ($millions) | 6.9888% | 1,819 |
| Cash dividends to net income (ytd only)* | 21.5517% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9161% | 710 |
| Loan loss allowance to noncurrent loans | 219.0083% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.6324% | 1,311 |
| Noncurrent loans to loans | 0.8749% | 1,401 |
| Net loans and leases to total assets | 38.8193% | 4,347 |
| Net loans and leases to deposits | 44.0422% | 4,378 |
| Net loans and leases to core deposits | 44.8905% | 4,434 |
| Total domestic deposits to total assets | 88.1410% | 1,754 |
| Equity capital to assets | 11.4240% | 1,676 |
| Core capital (leverage) ratio | 11.2223% | 1,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $33,762,667 | 4,820 |
| Average earning assets | $32,697,000 | 4,794 |
| Average equity | $3,900,667 | 4,809 |
| Average total loans | $14,982,000 | 4,755 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9365% | 4,202 |
| Cost of funding earning assets | 0.2986% | 3,008 |
| Net interest margin | 2.6378% | 4,080 |
| Noninterest income to average assets | 2.1343% | 338 |
| Noninterest expense to average assets | 2.4358% | 2,377 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7128% | 919 |
| Return on assets (ROA) | 1.9414% | 664 |
| Pretax return on assets | 2.5443% | 400 |
| Return on Equity (ROE) | 16.7056% | 893 |
| Retained earnings to average equity (ytd only) | 11.5175% | 1,266 |
| Net charge-offs to loans | 3.9851% | 11 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 1.2065% | 1,862 |
| Efficiency ratio | 51.9280% | 3,999 |
| Assets per employee ($millions) | 7.0786% | 1,747 |
| Cash dividends to net income (ytd only)* | 31.0559% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6536% | 1,161 |
| Loan loss allowance to noncurrent loans | 576.0870% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.4125% | 2,163 |
| Noncurrent loans to loans | 0.2870% | 3,073 |
| Net loans and leases to total assets | 44.5314% | 4,078 |
| Net loans and leases to deposits | 50.1591% | 4,149 |
| Net loans and leases to core deposits | 51.1007% | 4,237 |
| Total domestic deposits to total assets | 88.7803% | 1,449 |
| Equity capital to assets | 10.8779% | 1,953 |
| Core capital (leverage) ratio | 11.5837% | 1,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $33,172,000 | 4,845 |
| Average earning assets | $32,147,500 | 4,820 |
| Average equity | $3,855,000 | 4,836 |
| Average total loans | $15,558,000 | 4,773 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6257% | 3,747 |
| Cost of funding earning assets | 0.5433% | 2,653 |
| Net interest margin | 3.0824% | 3,669 |
| Noninterest income to average assets | 0.2296% | 4,126 |
| Noninterest expense to average assets | 2.5363% | 2,732 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.5176% | 3,990 |
| Return on assets (ROA) | 0.5405% | 4,028 |
| Pretax return on assets | 0.6676% | 3,951 |
| Return on Equity (ROE) | 4.2505% | 4,100 |
| Retained earnings to average equity (ytd only) | 1.3335% | 4,096 |
| Net charge-offs to loans | -0.4634% | 4,948 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8665% | 903 |
| Assets per employee ($millions) | 6.1902% | 2,176 |
| Cash dividends to net income (ytd only)* | 68.6275% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7833% | 187 |
| Loan loss allowance to noncurrent loans | 148.4099% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 0.9143% | 1,078 |
| Noncurrent loans to loans | 1.8754% | 645 |
| Net loans and leases to total assets | 47.3975% | 4,015 |
| Net loans and leases to deposits | 54.4442% | 4,089 |
| Net loans and leases to core deposits | 55.6356% | 4,170 |
| Total domestic deposits to total assets | 87.0570% | 1,920 |
| Equity capital to assets | 12.4713% | 1,343 |
| Core capital (leverage) ratio | 12.4373% | 1,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $28,309,000 | 4,889 |
| Average earning assets | $27,057,000 | 4,865 |
| Average equity | $3,599,600 | 4,872 |
| Average total loans | $14,673,000 | 4,812 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6204% | 3,972 |
| Cost of funding earning assets | 0.6076% | 2,566 |
| Net interest margin | 3.0128% | 3,944 |
| Noninterest income to average assets | 0.2701% | 3,851 |
| Noninterest expense to average assets | 2.5799% | 2,599 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.4585% | 4,154 |
| Return on assets (ROA) | 0.4822% | 4,155 |
| Pretax return on assets | 0.5883% | 4,119 |
| Return on Equity (ROE) | 3.7722% | 4,217 |
| Retained earnings to average equity (ytd only) | -0.1886% | 4,504 |
| Net charge-offs to loans | -0.6223% | 4,982 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1813% | 724 |
| Assets per employee ($millions) | 6.1350% | 2,151 |
| Cash dividends to net income (ytd only)* | 105.0000% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5410% | 216 |
| Loan loss allowance to noncurrent loans | 69.5364% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 1.9690% | 341 |
| Noncurrent loans to loans | 3.6542% | 206 |
| Net loans and leases to total assets | 52.5151% | 3,929 |
| Net loans and leases to deposits | 64.8380% | 3,723 |
| Net loans and leases to core deposits | 66.4097% | 3,869 |
| Total domestic deposits to total assets | 80.9943% | 3,668 |
| Equity capital to assets | 12.0424% | 1,647 |
| Core capital (leverage) ratio | 12.6477% | 1,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $27,648,500 | 4,924 |
| Average earning assets | $26,331,500 | 4,903 |
| Average equity | $3,534,500 | 4,902 |
| Average total loans | $14,568,750 | 4,843 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7021% | 4,089 |
| Cost of funding earning assets | 0.6538% | 2,672 |
| Net interest margin | 3.0484% | 4,016 |
| Noninterest income to average assets | 0.3453% | 3,407 |
| Noninterest expense to average assets | 2.6877% | 2,422 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4634% | 4,102 |
| Return on assets (ROA) | 0.4880% | 4,122 |
| Pretax return on assets | 0.5931% | 4,074 |
| Return on Equity (ROE) | 3.7342% | 4,183 |
| Retained earnings to average equity (ytd only) | -0.5745% | 4,417 |
| Net charge-offs to loans | -0.1868% | 4,934 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6790% | 714 |
| Assets per employee ($millions) | 5.4488% | 2,694 |
| Cash dividends to net income (ytd only)* | 115.3846% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5221% | 212 |
| Loan loss allowance to noncurrent loans | 59.6405% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 2.2464% | 285 |
| Noncurrent loans to loans | 4.2289% | 149 |
| Net loans and leases to total assets | 51.7802% | 4,045 |
| Net loans and leases to deposits | 60.0247% | 4,120 |
| Net loans and leases to core deposits | 61.5542% | 4,189 |
| Total domestic deposits to total assets | 86.2649% | 1,905 |
| Equity capital to assets | 13.3571% | 1,015 |
| Core capital (leverage) ratio | 12.8188% | 1,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,639,667 | 4,958 |
| Average earning assets | $25,390,667 | 4,939 |
| Average equity | $3,481,333 | 4,938 |
| Average total loans | $13,915,333 | 4,887 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8326% | 4,168 |
| Cost of funding earning assets | 0.6547% | 3,149 |
| Net interest margin | 3.1778% | 3,915 |
| Noninterest income to average assets | 0.2126% | 4,272 |
| Noninterest expense to average assets | 2.7945% | 2,447 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3602% | 4,214 |
| Return on assets (ROA) | 0.4101% | 4,150 |
| Pretax return on assets | 0.5012% | 4,121 |
| Return on Equity (ROE) | 3.1741% | 4,169 |
| Retained earnings to average equity (ytd only) | -5.6429% | 4,563 |
| Net charge-offs to loans | -0.2933% | 4,976 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3850% | 678 |
| Assets per employee ($millions) | 4.9946% | 2,658 |
| Cash dividends to net income (ytd only)* | 277.7778% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6423% | 205 |
| Loan loss allowance to noncurrent loans | 63.6204% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 2.2785% | 325 |
| Noncurrent loans to loans | 4.1533% | 177 |
| Net loans and leases to total assets | 53.4097% | 4,030 |
| Net loans and leases to deposits | 61.3665% | 4,136 |
| Net loans and leases to core deposits | 63.0519% | 4,229 |
| Total domestic deposits to total assets | 87.0340% | 1,541 |
| Equity capital to assets | 12.6176% | 1,663 |
| Core capital (leverage) ratio | 12.7789% | 1,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,337,500 | 5,006 |
| Average earning assets | $25,048,500 | 4,986 |
| Average equity | $3,402,500 | 4,991 |
| Average total loans | $13,637,000 | 4,930 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8017% | 4,564 |
| Cost of funding earning assets | 0.8157% | 2,609 |
| Net interest margin | 2.9860% | 4,532 |
| Noninterest income to average assets | 0.2006% | 4,459 |
| Noninterest expense to average assets | 2.5517% | 3,315 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.3935% | 4,602 |
| Return on assets (ROA) | 0.6863% | 3,974 |
| Pretax return on assets | 0.8623% | 3,846 |
| Return on Equity (ROE) | 5.6633% | 4,016 |
| Retained earnings to average equity (ytd only) | 3.4851% | 3,268 |
| Net charge-offs to loans | -0.0686% | 4,885 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7182% | 674 |
| Assets per employee ($millions) | 5.5404% | 2,029 |
| Cash dividends to net income (ytd only)* | 38.4615% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5932% | 192 |
| Loan loss allowance to noncurrent loans | 87.3449% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 1.4548% | 707 |
| Noncurrent loans to loans | 2.9689% | 322 |
| Net loans and leases to total assets | 47.7294% | 4,441 |
| Net loans and leases to deposits | 55.2621% | 4,490 |
| Net loans and leases to core deposits | 56.6277% | 4,560 |
| Total domestic deposits to total assets | 86.3692% | 1,900 |
| Equity capital to assets | 13.1904% | 1,420 |
| Core capital (leverage) ratio | 12.2806% | 1,609 |
| Tier 1 risk-based capital ratio | 16.3502% | 2,271 |
| Total risk-based capital ratio | 17.6037% | 2,217 |
| Memoranda: | ||
| Average total assets | $28,412,000 | 5,043 |
| Average earning assets | $27,092,800 | 5,024 |
| Average equity | $3,443,200 | 5,043 |
| Average total loans | $13,125,200 | 5,001 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7763% | 4,700 |
| Cost of funding earning assets | 0.8120% | 2,649 |
| Net interest margin | 2.9643% | 4,674 |
| Noninterest income to average assets | 0.2005% | 4,515 |
| Noninterest expense to average assets | 2.5557% | 3,283 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.3814% | 4,750 |
| Return on assets (ROA) | 0.5363% | 4,492 |
| Pretax return on assets | 0.6622% | 4,424 |
| Return on Equity (ROE) | 4.5223% | 4,473 |
| Retained earnings to average equity (ytd only) | 1.5729% | 4,407 |
| Net charge-offs to loans | -0.1435% | 5,060 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4376% | 586 |
| Assets per employee ($millions) | 5.5946% | 1,943 |
| Cash dividends to net income (ytd only)* | 65.2188% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6549% | 183 |
| Loan loss allowance to noncurrent loans | 113.6943% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 1.3978% | 838 |
| Noncurrent loans to loans | 2.3351% | 523 |
| Net loans and leases to total assets | 46.7951% | 4,562 |
| Net loans and leases to deposits | 64.2896% | 4,157 |
| Net loans and leases to core deposits | 66.1512% | 4,268 |
| Total domestic deposits to total assets | 72.7880% | 4,881 |
| Equity capital to assets | 12.8731% | 1,698 |
| Core capital (leverage) ratio | 11.9401% | 1,895 |
| Tier 1 risk-based capital ratio | 15.8871% | 2,476 |
| Total risk-based capital ratio | 17.1423% | 2,407 |
| Memoranda: | ||
| Average total assets | $28,589,500 | 5,120 |
| Average earning assets | $27,257,250 | 5,093 |
| Average equity | $3,390,500 | 5,122 |
| Average total loans | $13,013,000 | 5,084 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7427% | 4,777 |
| Cost of funding earning assets | 0.7734% | 2,783 |
| Net interest margin | 2.9694% | 4,734 |
| Noninterest income to average assets | 0.2084% | 4,493 |
| Noninterest expense to average assets | 2.5977% | 3,204 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.3681% | 4,780 |
| Return on assets (ROA) | 0.3681% | 4,801 |
| Pretax return on assets | 0.4376% | 4,780 |
| Return on Equity (ROE) | 3.1925% | 4,754 |
| Retained earnings to average equity (ytd only) | 0.1807% | 4,643 |
| Net charge-offs to loans | -0.1554% | 5,088 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5835% | 567 |
| Assets per employee ($millions) | 5.7454% | 1,750 |
| Cash dividends to net income (ytd only)* | 94.3396% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7507% | 166 |
| Loan loss allowance to noncurrent loans | 104.1298% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 1.4481% | 791 |
| Noncurrent loans to loans | 2.6416% | 424 |
| Net loans and leases to total assets | 43.4435% | 4,742 |
| Net loans and leases to deposits | 56.7299% | 4,566 |
| Net loans and leases to core deposits | 58.2361% | 4,632 |
| Total domestic deposits to total assets | 76.5795% | 4,609 |
| Equity capital to assets | 12.3368% | 1,950 |
| Core capital (leverage) ratio | 11.7886% | 1,955 |
| Tier 1 risk-based capital ratio | 15.9431% | 2,438 |
| Total risk-based capital ratio | 17.1935% | 2,383 |
| Memoranda: | ||
| Average total assets | $28,795,000 | 5,159 |
| Average earning assets | $27,413,000 | 5,138 |
| Average equity | $3,320,330 | 5,170 |
| Average total loans | $12,868,330 | 5,137 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7449% | 4,789 |
| Cost of funding earning assets | 0.7607% | 2,730 |
| Net interest margin | 2.9843% | 4,775 |
| Noninterest income to average assets | 0.2497% | 4,229 |
| Noninterest expense to average assets | 2.5669% | 3,306 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4301% | 4,666 |
| Return on assets (ROA) | 0.4301% | 4,680 |
| Pretax return on assets | 0.5134% | 4,652 |
| Return on Equity (ROE) | 3.8647% | 4,603 |
| Retained earnings to average equity (ytd only) | -2.3687% | 4,773 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3333% | 761 |
| Assets per employee ($millions) | 5.6878% | 1,808 |
| Cash dividends to net income (ytd only)* | 161.2903% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7320% | 182 |
| Loan loss allowance to noncurrent loans | 101.4793% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 1.4628% | 826 |
| Noncurrent loans to loans | 2.6922% | 452 |
| Net loans and leases to total assets | 42.9410% | 4,791 |
| Net loans and leases to deposits | 55.3682% | 4,631 |
| Net loans and leases to core deposits | 56.8291% | 4,684 |
| Total domestic deposits to total assets | 77.5555% | 4,585 |
| Equity capital to assets | 11.6495% | 2,271 |
| Core capital (leverage) ratio | 11.6768% | 2,002 |
| Tier 1 risk-based capital ratio | 15.9371% | 2,466 |
| Total risk-based capital ratio | 17.1904% | 2,400 |
| Memoranda: | ||
| Average total assets | $28,829,000 | 5,210 |
| Average earning assets | $27,343,500 | 5,190 |
| Average equity | $3,208,500 | 5,231 |
| Average total loans | $12,886,000 | 5,195 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7996% | 4,492 |
| Cost of funding earning assets | 0.6385% | 2,470 |
| Net interest margin | 3.1611% | 4,555 |
| Noninterest income to average assets | 0.3033% | 4,077 |
| Noninterest expense to average assets | 2.6598% | 3,153 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6599% | 4,258 |
| Return on assets (ROA) | 0.6599% | 4,267 |
| Pretax return on assets | 0.6466% | 4,540 |
| Return on Equity (ROE) | 6.3372% | 4,053 |
| Retained earnings to average equity (ytd only) | 6.3372% | 2,013 |
| Net charge-offs to loans | -0.2742% | 5,302 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4435% | 918 |
| Assets per employee ($millions) | 5.8438% | 1,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5951% | 205 |
| Loan loss allowance to noncurrent loans | 100.5865% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 1.4340% | 829 |
| Noncurrent loans to loans | 2.5800% | 462 |
| Net loans and leases to total assets | 44.0604% | 4,815 |
| Net loans and leases to deposits | 57.9023% | 4,579 |
| Net loans and leases to core deposits | 59.4066% | 4,652 |
| Total domestic deposits to total assets | 76.0943% | 4,744 |
| Equity capital to assets | 10.6232% | 3,053 |
| Core capital (leverage) ratio | 11.3596% | 2,218 |
| Tier 1 risk-based capital ratio | 15.9687% | 2,413 |
| Total risk-based capital ratio | 17.2218% | 2,356 |
| Memoranda: | ||
| Average total assets | $30,002,800 | 5,241 |
| Average earning assets | $28,502,800 | 5,215 |
| Average equity | $3,124,400 | 5,273 |
| Average total loans | $13,495,800 | 5,220 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7385% | 4,573 |
| Cost of funding earning assets | 0.5944% | 2,511 |
| Net interest margin | 3.1440% | 4,627 |
| Noninterest income to average assets | 0.3399% | 3,874 |
| Noninterest expense to average assets | 2.6270% | 3,209 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7417% | 4,101 |
| Return on assets (ROA) | 0.7417% | 4,109 |
| Pretax return on assets | 0.7020% | 4,530 |
| Return on Equity (ROE) | 7.1574% | 3,874 |
| Retained earnings to average equity (ytd only) | 7.1574% | 2,043 |
| Net charge-offs to loans | -0.3538% | 5,375 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9125% | 1,035 |
| Assets per employee ($millions) | 5.9556% | 1,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4967% | 239 |
| Loan loss allowance to noncurrent loans | 58.1633% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 2.2366% | 435 |
| Noncurrent loans to loans | 4.2926% | 181 |
| Net loans and leases to total assets | 44.8519% | 4,845 |
| Net loans and leases to deposits | 58.5661% | 4,617 |
| Net loans and leases to core deposits | 60.0405% | 4,700 |
| Total domestic deposits to total assets | 76.5834% | 4,709 |
| Equity capital to assets | 10.3365% | 3,298 |
| Core capital (leverage) ratio | 11.2220% | 2,396 |
| Tier 1 risk-based capital ratio | 15.7065% | 2,565 |
| Total risk-based capital ratio | 16.9595% | 2,496 |
| Memoranda: | ||
| Average total assets | $30,198,750 | 5,305 |
| Average earning assets | $28,709,750 | 5,278 |
| Average equity | $3,129,500 | 5,342 |
| Average total loans | $13,565,500 | 5,285 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7549% | 4,457 |
| Cost of funding earning assets | 0.5969% | 2,246 |
| Net interest margin | 3.1580% | 4,596 |
| Noninterest income to average assets | 0.3889% | 3,561 |
| Noninterest expense to average assets | 2.6171% | 3,278 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8834% | 3,535 |
| Return on assets (ROA) | 0.8834% | 3,536 |
| Pretax return on assets | 0.7713% | 4,330 |
| Return on Equity (ROE) | 8.5169% | 3,255 |
| Retained earnings to average equity (ytd only) | 8.5169% | 1,399 |
| Net charge-offs to loans | -0.5177% | 5,439 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2374% | 1,280 |
| Assets per employee ($millions) | 5.9224% | 1,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5472% | 233 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 1.4183% | 963 |
| Noncurrent loans to loans | 2.5472% | 509 |
| Net loans and leases to total assets | 44.0565% | 4,897 |
| Net loans and leases to deposits | 55.6926% | 4,769 |
| Net loans and leases to core deposits | 57.0492% | 4,829 |
| Total domestic deposits to total assets | 79.1064% | 4,410 |
| Equity capital to assets | 10.4957% | 3,121 |
| Core capital (leverage) ratio | 11.0029% | 2,524 |
| Tier 1 risk-based capital ratio | 15.8656% | 2,486 |
| Total risk-based capital ratio | 17.1253% | 2,427 |
| Memoranda: | ||
| Average total assets | $30,339,000 | 5,369 |
| Average earning assets | $28,815,330 | 5,341 |
| Average equity | $3,146,670 | 5,402 |
| Average total loans | $13,521,330 | 5,347 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7189% | 4,428 |
| Cost of funding earning assets | 0.6038% | 2,038 |
| Net interest margin | 3.1151% | 4,673 |
| Noninterest income to average assets | 0.3778% | 3,605 |
| Noninterest expense to average assets | 2.5796% | 3,393 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6254% | 4,355 |
| Return on assets (ROA) | 0.6254% | 4,366 |
| Pretax return on assets | 0.7556% | 4,274 |
| Return on Equity (ROE) | 6.0644% | 4,137 |
| Retained earnings to average equity (ytd only) | 6.0644% | 2,683 |
| Net charge-offs to loans | -0.1472% | 5,311 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3438% | 1,417 |
| Assets per employee ($millions) | 6.1636% | 1,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2766% | 337 |
| Loan loss allowance to noncurrent loans | 338.0435% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.5549% | 2,670 |
| Noncurrent loans to loans | 0.6734% | 2,532 |
| Net loans and leases to total assets | 43.3188% | 4,927 |
| Net loans and leases to deposits | 48.6605% | 5,020 |
| Net loans and leases to core deposits | 50.7972% | 5,021 |
| Total domestic deposits to total assets | 89.0226% | 1,080 |
| Equity capital to assets | 9.9747% | 3,623 |
| Core capital (leverage) ratio | 10.5242% | 2,919 |
| Tier 1 risk-based capital ratio | 15.1503% | 2,805 |
| Total risk-based capital ratio | 16.4026% | 2,742 |
| Memoranda: | ||
| Average total assets | $30,702,500 | 5,423 |
| Average earning assets | $29,148,500 | 5,395 |
| Average equity | $3,166,000 | 5,456 |
| Average total loans | $13,588,500 | 5,407 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7471% | 4,225 |
| Cost of funding earning assets | 0.6366% | 1,374 |
| Net interest margin | 3.1106% | 4,669 |
| Noninterest income to average assets | 0.3830% | 3,742 |
| Noninterest expense to average assets | 2.6185% | 3,384 |
| Loan and lease loss provision to assets | 1.3274% | 68 |
| Net operating income to assets | -0.2019% | 5,452 |
| Return on assets (ROA) | -0.2146% | 5,452 |
| Pretax return on assets | -0.5977% | 5,565 |
| Return on Equity (ROE) | -2.1444% | 5,464 |
| Retained earnings to average equity (ytd only) | -2.1444% | 5,293 |
| Net charge-offs to loans | 3.1859% | 38 |
| Credit loss provision to net charge-offs | 91.7808% | 2,753 |
| Earnings coverage of net charge-offs (x) | 0.5183% | 3,988 |
| Efficiency ratio | 77.7451% | 1,388 |
| Assets per employee ($millions) | 6.1174% | 1,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2640% | 330 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2583% | 3,844 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 43.1883% | 5,021 |
| Net loans and leases to deposits | 48.5501% | 5,107 |
| Net loans and leases to core deposits | 50.6946% | 5,111 |
| Total domestic deposits to total assets | 88.9561% | 1,023 |
| Equity capital to assets | 10.6516% | 2,988 |
| Core capital (leverage) ratio | 10.4293% | 2,931 |
| Tier 1 risk-based capital ratio | 15.0847% | 2,808 |
| Total risk-based capital ratio | 16.3348% | 2,749 |
| Memoranda: | ||
| Average total assets | $30,284,800 | 5,487 |
| Average earning assets | $29,062,200 | 5,456 |
| Average equity | $3,031,200 | 5,524 |
| Average total loans | $13,748,200 | 5,469 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7525% | 4,171 |
| Cost of funding earning assets | 0.6346% | 1,335 |
| Net interest margin | 3.1179% | 4,663 |
| Noninterest income to average assets | 0.4325% | 3,454 |
| Noninterest expense to average assets | 2.6349% | 3,299 |
| Loan and lease loss provision to assets | 1.7743% | 48 |
| Net operating income to assets | -0.4950% | 5,628 |
| Return on assets (ROA) | -0.5120% | 5,632 |
| Pretax return on assets | -1.0107% | 5,659 |
| Return on Equity (ROE) | -5.1995% | 5,633 |
| Retained earnings to average equity (ytd only) | -5.1995% | 5,548 |
| Net charge-offs to loans | 4.2781% | 24 |
| Credit loss provision to net charge-offs | 90.7449% | 2,449 |
| Earnings coverage of net charge-offs (x) | 0.4041% | 3,669 |
| Efficiency ratio | 76.9330% | 1,469 |
| Assets per employee ($millions) | 5.9928% | 1,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2786% | 353 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2670% | 4,004 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 43.0817% | 5,073 |
| Net loans and leases to deposits | 51.7436% | 5,061 |
| Net loans and leases to core deposits | 54.2395% | 5,065 |
| Total domestic deposits to total assets | 83.2599% | 3,375 |
| Equity capital to assets | 11.0533% | 2,813 |
| Core capital (leverage) ratio | 10.2561% | 3,250 |
| Tier 1 risk-based capital ratio | 15.4866% | 2,708 |
| Total risk-based capital ratio | 16.7403% | 2,663 |
| Memoranda: | ||
| Average total assets | $30,209,250 | 5,547 |
| Average earning assets | $28,993,500 | 5,515 |
| Average equity | $2,974,500 | 5,596 |
| Average total loans | $13,806,250 | 5,530 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7792% | 3,966 |
| Cost of funding earning assets | 0.6333% | 1,240 |
| Net interest margin | 3.1459% | 4,558 |
| Noninterest income to average assets | 0.2245% | 4,902 |
| Noninterest expense to average assets | 2.6080% | 3,411 |
| Loan and lease loss provision to assets | 2.6410% | 30 |
| Net operating income to assets | -1.1235% | 5,724 |
| Return on assets (ROA) | -1.1489% | 5,725 |
| Pretax return on assets | -2.0468% | 5,756 |
| Return on Equity (ROE) | -12.1593% | 5,728 |
| Retained earnings to average equity (ytd only) | -12.1593% | 5,677 |
| Net charge-offs to loans | 8.1828% | 6 |
| Credit loss provision to net charge-offs | 69.8080% | 2,379 |
| Earnings coverage of net charge-offs (x) | 0.1675% | 3,399 |
| Efficiency ratio | 80.4481% | 1,165 |
| Assets per employee ($millions) | 6.1976% | 1,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2428% | 2,739 |
| Loan loss allowance to noncurrent loans | 106.9620% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 0.5099% | 3,065 |
| Noncurrent loans to loans | 1.1619% | 1,686 |
| Net loans and leases to total assets | 43.3361% | 5,077 |
| Net loans and leases to deposits | 51.8174% | 5,066 |
| Net loans and leases to core deposits | 54.2104% | 5,081 |
| Total domestic deposits to total assets | 83.6324% | 3,347 |
| Equity capital to assets | 10.4912% | 3,358 |
| Core capital (leverage) ratio | 9.7013% | 3,894 |
| Tier 1 risk-based capital ratio | 13.9868% | 3,431 |
| Total risk-based capital ratio | 14.7538% | 3,614 |
| Memoranda: | ||
| Average total assets | $30,291,000 | 5,590 |
| Average earning assets | $29,054,000 | 5,558 |
| Average equity | $2,862,000 | 5,651 |
| Average total loans | $14,005,000 | 5,572 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8448% | 3,601 |
| Cost of funding earning assets | 0.6385% | 1,141 |
| Net interest margin | 3.2063% | 4,321 |
| Noninterest income to average assets | 0.2405% | 4,813 |
| Noninterest expense to average assets | 2.5382% | 3,696 |
| Loan and lease loss provision to assets | 5.2501% | 11 |
| Net operating income to assets | -2.6739% | 5,837 |
| Return on assets (ROA) | -2.7252% | 5,837 |
| Pretax return on assets | -4.5420% | 5,841 |
| Return on Equity (ROE) | -30.5904% | 5,833 |
| Retained earnings to average equity (ytd only) | -30.5904% | 5,793 |
| Net charge-offs to loans | 15.9341% | 2 |
| Credit loss provision to net charge-offs | 69.4346% | 1,842 |
| Earnings coverage of net charge-offs (x) | 0.1042% | 2,847 |
| Efficiency ratio | 76.3052% | 1,867 |
| Assets per employee ($millions) | 7.7983% | 671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2030% | 3,119 |
| Loan loss allowance to noncurrent loans | 84.5000% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 0.6412% | 2,713 |
| Noncurrent loans to loans | 1.4237% | 1,422 |
| Net loans and leases to total assets | 44.4940% | 5,010 |
| Net loans and leases to deposits | 49.5236% | 5,157 |
| Net loans and leases to core deposits | 52.2592% | 5,132 |
| Total domestic deposits to total assets | 89.8439% | 728 |
| Equity capital to assets | 9.8323% | 3,945 |
| Core capital (leverage) ratio | 10.0198% | 3,467 |
| Tier 1 risk-based capital ratio | 14.1854% | 3,371 |
| Total risk-based capital ratio | 14.9513% | 3,566 |
| Memoranda: | ||
| Average total assets | $29,942,500 | 5,665 |
| Average earning assets | $28,818,500 | 5,628 |
| Average equity | $2,667,500 | 5,727 |
| Average total loans | $14,208,500 | 5,629 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4914% | 4,805 |
| Cost of funding earning assets | 0.6492% | 1,063 |
| Net interest margin | 2.8422% | 5,217 |
| Noninterest income to average assets | 0.2982% | 4,603 |
| Noninterest expense to average assets | 2.6900% | 3,372 |
| Loan and lease loss provision to assets | 1.9645% | 44 |
| Net operating income to assets | -0.8843% | 5,824 |
| Return on assets (ROA) | -0.8779% | 5,829 |
| Pretax return on assets | -1.6200% | 5,867 |
| Return on Equity (ROE) | -11.7153% | 5,846 |
| Retained earnings to average equity (ytd only) | -18.3466% | 5,847 |
| Net charge-offs to loans | 2.6530% | 46 |
| Credit loss provision to net charge-offs | 148.9950% | 1,838 |
| Earnings coverage of net charge-offs (x) | 0.2538% | 4,122 |
| Efficiency ratio | 88.9376% | 619 |
| Assets per employee ($millions) | 7.1730% | 847 |
| Cash dividends to net income (ytd only)* | -56.6038% | 5,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3801% | 365 |
| Loan loss allowance to noncurrent loans | 34.1658% | 5,016 |
| Noncurrent assets plus other real estate owned to assets | 3.4888% | 250 |
| Noncurrent loans to loans | 6.9664% | 76 |
| Net loans and leases to total assets | 48.8882% | 4,838 |
| Net loans and leases to deposits | 54.9475% | 4,969 |
| Net loans and leases to core deposits | 58.2855% | 4,947 |
| Total domestic deposits to total assets | 88.9725% | 1,137 |
| Equity capital to assets | 7.9046% | 5,602 |
| Core capital (leverage) ratio | 7.7444% | 5,697 |
| Tier 1 risk-based capital ratio | 11.5309% | 5,036 |
| Total risk-based capital ratio | 12.7853% | 4,935 |
| Memoranda: | ||
| Average total assets | $30,185,600 | 5,709 |
| Average earning assets | $28,956,800 | 5,677 |
| Average equity | $2,262,000 | 5,822 |
| Average total loans | $15,002,000 | 5,665 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3920% | 5,042 |
| Cost of funding earning assets | 0.6411% | 1,090 |
| Net interest margin | 2.7509% | 5,431 |
| Noninterest income to average assets | 0.3141% | 4,523 |
| Noninterest expense to average assets | 2.7705% | 3,112 |
| Loan and lease loss provision to assets | 2.5655% | 25 |
| Net operating income to assets | -1.3304% | 5,922 |
| Return on assets (ROA) | -1.3220% | 5,924 |
| Pretax return on assets | -2.3691% | 5,948 |
| Return on Equity (ROE) | -17.8717% | 5,936 |
| Retained earnings to average equity (ytd only) | -26.7189% | 5,934 |
| Net charge-offs to loans | 3.1397% | 38 |
| Credit loss provision to net charge-offs | 164.7059% | 1,675 |
| Earnings coverage of net charge-offs (x) | 0.1176% | 3,819 |
| Efficiency ratio | 93.7962% | 399 |
| Assets per employee ($millions) | 5.9314% | 1,482 |
| Cash dividends to net income (ytd only)* | -49.5062% | 5,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4745% | 339 |
| Loan loss allowance to noncurrent loans | 57.7982% | 4,563 |
| Noncurrent assets plus other real estate owned to assets | 2.2052% | 664 |
| Noncurrent loans to loans | 4.2812% | 242 |
| Net loans and leases to total assets | 50.2343% | 4,804 |
| Net loans and leases to deposits | 55.1247% | 5,047 |
| Net loans and leases to core deposits | 58.2613% | 5,036 |
| Total domestic deposits to total assets | 91.1286% | 163 |
| Equity capital to assets | 8.2814% | 5,629 |
| Core capital (leverage) ratio | 7.6288% | 5,803 |
| Tier 1 risk-based capital ratio | 11.3876% | 5,166 |
| Total risk-based capital ratio | 12.6491% | 5,051 |
| Memoranda: | ||
| Average total assets | $30,559,000 | 5,767 |
| Average earning assets | $29,323,250 | 5,731 |
| Average equity | $2,260,500 | 5,883 |
| Average total loans | $15,160,250 | 5,721 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4013% | 5,079 |
| Cost of funding earning assets | 0.6356% | 1,111 |
| Net interest margin | 2.7657% | 5,488 |
| Noninterest income to average assets | 0.3305% | 4,413 |
| Noninterest expense to average assets | 2.4174% | 4,281 |
| Loan and lease loss provision to assets | 2.3202% | 34 |
| Net operating income to assets | -1.7563% | 6,007 |
| Return on assets (ROA) | -0.8555% | 5,969 |
| Pretax return on assets | -0.8555% | 5,963 |
| Return on Equity (ROE) | -12.0255% | 5,987 |
| Retained earnings to average equity (ytd only) | -25.6909% | 5,994 |
| Net charge-offs to loans | 3.8356% | 32 |
| Credit loss provision to net charge-offs | 123.4483% | 1,824 |
| Earnings coverage of net charge-offs (x) | 0.3000% | 3,534 |
| Efficiency ratio | 81.0870% | 1,378 |
| Assets per employee ($millions) | 5.9338% | 1,446 |
| Cash dividends to net income (ytd only)* | -113.6364% | 6,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4317% | 2,149 |
| Loan loss allowance to noncurrent loans | 26.6749% | 5,327 |
| Noncurrent assets plus other real estate owned to assets | 2.7166% | 477 |
| Noncurrent loans to loans | 5.3673% | 155 |
| Net loans and leases to total assets | 49.8905% | 4,848 |
| Net loans and leases to deposits | 54.1325% | 5,129 |
| Net loans and leases to core deposits | 57.1638% | 5,119 |
| Total domestic deposits to total assets | 92.1635% | 72 |
| Equity capital to assets | 7.1354% | 5,956 |
| Core capital (leverage) ratio | 6.1917% | 5,997 |
| Tier 1 risk-based capital ratio | 9.8062% | 5,895 |
| Total risk-based capital ratio | 10.9083% | 5,895 |
| Memoranda: | ||
| Average total assets | $30,859,670 | 5,831 |
| Average earning assets | $29,577,000 | 5,800 |
| Average equity | $2,195,330 | 5,963 |
| Average total loans | $15,121,670 | 5,787 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2198% | 5,457 |
| Cost of funding earning assets | 0.6070% | 1,295 |
| Net interest margin | 2.6128% | 5,709 |
| Noninterest income to average assets | 0.3179% | 4,452 |
| Noninterest expense to average assets | 2.2636% | 4,753 |
| Loan and lease loss provision to assets | 4.1202% | 12 |
| Net operating income to assets | -2.3653% | 6,080 |
| Return on assets (ROA) | -2.3653% | 6,080 |
| Pretax return on assets | -3.5479% | 6,093 |
| Return on Equity (ROE) | -33.2960% | 6,093 |
| Retained earnings to average equity (ytd only) | -60.1477% | 6,085 |
| Net charge-offs to loans | 9.1472% | 4 |
| Credit loss provision to net charge-offs | 93.3718% | 1,737 |
| Earnings coverage of net charge-offs (x) | 0.1297% | 2,962 |
| Efficiency ratio | 79.8206% | 1,630 |
| Assets per employee ($millions) | 6.6676% | 1,025 |
| Cash dividends to net income (ytd only)* | -80.6452% | 6,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8378% | 5,263 |
| Loan loss allowance to noncurrent loans | 22.7523% | 5,415 |
| Noncurrent assets plus other real estate owned to assets | 1.6348% | 1,208 |
| Noncurrent loans to loans | 3.6822% | 351 |
| Net loans and leases to total assets | 44.0248% | 5,237 |
| Net loans and leases to deposits | 47.1414% | 5,461 |
| Net loans and leases to core deposits | 49.4342% | 5,463 |
| Total domestic deposits to total assets | 93.3889% | 33 |
| Equity capital to assets | 6.4281% | 6,048 |
| Core capital (leverage) ratio | 6.4737% | 6,032 |
| Tier 1 risk-based capital ratio | 14.3154% | 3,489 |
| Total risk-based capital ratio | 15.2029% | 3,645 |
| Memoranda: | ||
| Average total assets | $31,455,000 | 5,881 |
| Average earning assets | $30,312,500 | 5,841 |
| Average equity | $2,234,500 | 6,020 |
| Average total loans | $15,174,000 | 5,844 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0015% | 3,301 |
| Cost of funding earning assets | 0.5726% | 1,575 |
| Net interest margin | 3.4289% | 3,802 |
| Noninterest income to average assets | 0.4664% | 3,552 |
| Noninterest expense to average assets | 2.2493% | 4,925 |
| Loan and lease loss provision to assets | 0.0992% | 2,324 |
| Net operating income to assets | 1.0023% | 2,349 |
| Return on assets (ROA) | 1.0023% | 2,448 |
| Pretax return on assets | 1.4257% | 1,801 |
| Return on Equity (ROE) | 13.2511% | 1,003 |
| Retained earnings to average equity (ytd only) | 2.3179% | 4,411 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5968% | 4,965 |
| Assets per employee ($millions) | 5.9144% | 1,446 |
| Cash dividends to net income (ytd only)* | 82.5083% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9455% | 4,891 |
| Loan loss allowance to noncurrent loans | 55.2632% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 0.8995% | 2,418 |
| Noncurrent loans to loans | 1.7109% | 1,322 |
| Net loans and leases to total assets | 52.0763% | 4,687 |
| Net loans and leases to deposits | 56.8559% | 4,989 |
| Net loans and leases to core deposits | 59.4457% | 5,015 |
| Total domestic deposits to total assets | 91.5934% | 160 |
| Equity capital to assets | 7.8655% | 5,898 |
| Core capital (leverage) ratio | 7.5388% | 5,968 |
| Tier 1 risk-based capital ratio | 11.5232% | 5,241 |
| Total risk-based capital ratio | 12.2730% | 5,409 |
| Memoranda: | ||
| Average total assets | $30,231,200 | 5,952 |
| Average earning assets | $29,164,200 | 5,917 |
| Average equity | $2,286,600 | 6,069 |
| Average total loans | $15,413,200 | 5,885 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7183% | 4,365 |
| Cost of funding earning assets | 0.5637% | 1,679 |
| Net interest margin | 3.1546% | 4,810 |
| Noninterest income to average assets | 0.7808% | 1,881 |
| Noninterest expense to average assets | 2.1801% | 5,100 |
| Loan and lease loss provision to assets | 0.1097% | 2,049 |
| Net operating income to assets | 1.0966% | 2,025 |
| Return on assets (ROA) | 1.0966% | 2,108 |
| Pretax return on assets | 1.5353% | 1,585 |
| Return on Equity (ROE) | 14.6406% | 787 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,590 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9954% | 5,228 |
| Assets per employee ($millions) | 5.9340% | 1,420 |
| Cash dividends to net income (ytd only)* | 100.0000% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8996% | 5,205 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 52.7199% | 4,691 |
| Net loans and leases to deposits | 57.9935% | 5,005 |
| Net loans and leases to core deposits | 60.4055% | 5,040 |
| Total domestic deposits to total assets | 90.9066% | 269 |
| Equity capital to assets | 7.7048% | 6,037 |
| Core capital (leverage) ratio | 6.9617% | 6,132 |
| Tier 1 risk-based capital ratio | 11.2601% | 5,513 |
| Total risk-based capital ratio | 12.0010% | 5,715 |
| Memoranda: | ||
| Average total assets | $30,396,000 | 6,032 |
| Average earning assets | $29,332,000 | 5,992 |
| Average equity | $2,276,750 | 6,155 |
| Average total loans | $15,379,750 | 5,959 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0713% | 3,003 |
| Cost of funding earning assets | 0.5334% | 1,955 |
| Net interest margin | 3.5380% | 3,345 |
| Noninterest income to average assets | 0.3851% | 4,192 |
| Noninterest expense to average assets | 2.3043% | 4,831 |
| Loan and lease loss provision to assets | 0.1306% | 1,695 |
| Net operating income to assets | 0.9726% | 2,524 |
| Return on assets (ROA) | 0.9726% | 2,633 |
| Pretax return on assets | 1.3708% | 2,112 |
| Return on Equity (ROE) | 13.1066% | 1,092 |
| Retained earnings to average equity (ytd only) | 2.1111% | 4,655 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5489% | 4,906 |
| Assets per employee ($millions) | 6.5574% | 1,027 |
| Cash dividends to net income (ytd only)* | 83.8926% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8663% | 5,416 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 47.8177% | 5,124 |
| Net loans and leases to deposits | 51.7016% | 5,399 |
| Net loans and leases to core deposits | 53.7820% | 5,436 |
| Total domestic deposits to total assets | 92.4879% | 86 |
| Equity capital to assets | 7.0363% | 6,187 |
| Core capital (leverage) ratio | 7.1422% | 6,167 |
| Tier 1 risk-based capital ratio | 9.6007% | 6,182 |
| Total risk-based capital ratio | 10.2032% | 6,247 |
| Memoranda: | ||
| Average total assets | $30,638,000 | 6,097 |
| Average earning assets | $29,621,670 | 6,049 |
| Average equity | $2,273,670 | 6,228 |
| Average total loans | $15,245,000 | 6,025 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1019% | 2,820 |
| Cost of funding earning assets | 0.5320% | 1,990 |
| Net interest margin | 3.5699% | 3,125 |
| Noninterest income to average assets | 0.4330% | 3,746 |
| Noninterest expense to average assets | 2.2190% | 5,096 |
| Loan and lease loss provision to assets | 0.1353% | 1,529 |
| Net operating income to assets | 1.3530% | 1,130 |
| Return on assets (ROA) | 1.3530% | 1,198 |
| Pretax return on assets | 1.5289% | 1,468 |
| Return on Equity (ROE) | 17.7226% | 413 |
| Retained earnings to average equity (ytd only) | -4.4307% | 5,892 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1429% | 5,427 |
| Assets per employee ($millions) | 5.9530% | 1,424 |
| Cash dividends to net income (ytd only)* | 125.0000% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8416% | 5,594 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 50.2705% | 4,817 |
| Net loans and leases to deposits | 59.7349% | 4,762 |
| Net loans and leases to core deposits | 60.3663% | 4,966 |
| Total domestic deposits to total assets | 84.1559% | 3,756 |
| Equity capital to assets | 7.5458% | 6,168 |
| Core capital (leverage) ratio | 7.0998% | 6,225 |
| Tier 1 risk-based capital ratio | 11.0910% | 5,762 |
| Total risk-based capital ratio | 11.7483% | 5,962 |
| Memoranda: | ||
| Average total assets | $29,563,500 | 6,180 |
| Average earning assets | $28,572,000 | 6,135 |
| Average equity | $2,257,000 | 6,294 |
| Average total loans | $14,960,000 | 6,086 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9346% | 3,998 |
| Cost of funding earning assets | 0.5172% | 2,516 |
| Net interest margin | 3.4174% | 4,124 |
| Noninterest income to average assets | 0.3547% | 4,563 |
| Noninterest expense to average assets | 2.0006% | 5,760 |
| Loan and lease loss provision to assets | 0.1419% | 1,872 |
| Net operating income to assets | 1.0855% | 2,031 |
| Return on assets (ROA) | 1.0571% | 2,199 |
| Pretax return on assets | 1.4650% | 1,671 |
| Return on Equity (ROE) | 13.8347% | 962 |
| Retained earnings to average equity (ytd only) | 4.5497% | 2,933 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0244% | 5,761 |
| Assets per employee ($millions) | 5.8724% | 1,473 |
| Cash dividends to net income (ytd only)* | 67.1141% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7889% | 5,805 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 50.1090% | 4,963 |
| Net loans and leases to deposits | 61.0650% | 4,799 |
| Net loans and leases to core deposits | 62.5313% | 4,960 |
| Total domestic deposits to total assets | 82.0584% | 4,399 |
| Equity capital to assets | 7.7243% | 6,171 |
| Core capital (leverage) ratio | 7.9003% | 6,053 |
| Tier 1 risk-based capital ratio | 14.2940% | 3,905 |
| Total risk-based capital ratio | 15.0522% | 4,167 |
| Memoranda: | ||
| Average total assets | $28,191,000 | 6,287 |
| Average earning assets | $27,067,600 | 6,243 |
| Average equity | $2,154,000 | 6,386 |
| Average total loans | $12,429,000 | 6,245 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8217% | 4,462 |
| Cost of funding earning assets | 0.4996% | 2,772 |
| Net interest margin | 3.3221% | 4,529 |
| Noninterest income to average assets | 0.3393% | 4,721 |
| Noninterest expense to average assets | 1.9164% | 5,923 |
| Loan and lease loss provision to assets | 0.1195% | 2,078 |
| Net operating income to assets | 1.0801% | 2,109 |
| Return on assets (ROA) | 1.0419% | 2,331 |
| Pretax return on assets | 1.4433% | 1,832 |
| Return on Equity (ROE) | 13.6749% | 1,054 |
| Retained earnings to average equity (ytd only) | 1.1291% | 5,435 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4837% | 5,775 |
| Assets per employee ($millions) | 5.8466% | 1,450 |
| Cash dividends to net income (ytd only)* | 91.7429% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7547% | 5,983 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 45.8831% | 5,391 |
| Net loans and leases to deposits | 58.7439% | 5,039 |
| Net loans and leases to core deposits | 59.5313% | 5,226 |
| Total domestic deposits to total assets | 78.1069% | 5,510 |
| Equity capital to assets | 7.6010% | 6,287 |
| Core capital (leverage) ratio | 7.7617% | 6,187 |
| Tier 1 risk-based capital ratio | 14.5011% | 3,883 |
| Total risk-based capital ratio | 15.1968% | 4,199 |
| Memoranda: | ||
| Average total assets | $27,898,250 | 6,369 |
| Average earning assets | $26,689,250 | 6,325 |
| Average equity | $2,125,500 | 6,462 |
| Average total loans | $11,828,750 | 6,326 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8363% | 4,390 |
| Cost of funding earning assets | 0.4881% | 2,947 |
| Net interest margin | 3.3482% | 4,416 |
| Noninterest income to average assets | 0.3133% | 4,909 |
| Noninterest expense to average assets | 1.8067% | 6,135 |
| Loan and lease loss provision to assets | 0.1093% | 2,194 |
| Net operating income to assets | 1.1656% | 1,704 |
| Return on assets (ROA) | 1.1073% | 1,984 |
| Pretax return on assets | 1.5372% | 1,437 |
| Return on Equity (ROE) | 14.5223% | 872 |
| Retained earnings to average equity (ytd only) | 4.9682% | 2,979 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4523% | 6,099 |
| Assets per employee ($millions) | 5.7954% | 1,428 |
| Cash dividends to net income (ytd only)* | 65.7895% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7135% | 6,149 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 44.1799% | 5,523 |
| Net loans and leases to deposits | 52.7961% | 5,440 |
| Net loans and leases to core deposits | 52.7961% | 5,620 |
| Total domestic deposits to total assets | 83.6802% | 4,040 |
| Equity capital to assets | 7.2713% | 6,398 |
| Core capital (leverage) ratio | 8.0341% | 6,074 |
| Tier 1 risk-based capital ratio | 15.2021% | 3,528 |
| Total risk-based capital ratio | 15.8499% | 3,818 |
| Memoranda: | ||
| Average total assets | $27,453,330 | 6,437 |
| Average earning assets | $26,223,330 | 6,393 |
| Average equity | $2,093,330 | 6,525 |
| Average total loans | $11,266,670 | 6,401 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8105% | 4,445 |
| Cost of funding earning assets | 0.4861% | 3,052 |
| Net interest margin | 3.3244% | 4,445 |
| Noninterest income to average assets | 0.3747% | 4,387 |
| Noninterest expense to average assets | 1.8283% | 6,183 |
| Loan and lease loss provision to assets | 0.1499% | 1,617 |
| Net operating income to assets | 1.1839% | 1,529 |
| Return on assets (ROA) | 1.0640% | 2,024 |
| Pretax return on assets | 1.4536% | 1,573 |
| Return on Equity (ROE) | 13.6113% | 1,015 |
| Retained earnings to average equity (ytd only) | -5.5595% | 6,158 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4768% | 6,163 |
| Assets per employee ($millions) | 5.3574% | 1,854 |
| Cash dividends to net income (ytd only)* | 140.8451% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8076% | 6,085 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 39.8888% | 5,818 |
| Net loans and leases to deposits | 46.5050% | 5,819 |
| Net loans and leases to core deposits | 46.5050% | 5,962 |
| Total domestic deposits to total assets | 85.7729% | 3,486 |
| Equity capital to assets | 7.7351% | 6,217 |
| Core capital (leverage) ratio | 8.2614% | 5,884 |
| Tier 1 risk-based capital ratio | 17.1084% | 2,638 |
| Total risk-based capital ratio | 17.8223% | 2,832 |
| Memoranda: | ||
| Average total assets | $26,691,500 | 6,523 |
| Average earning assets | $25,508,500 | 6,469 |
| Average equity | $2,086,500 | 6,588 |
| Average total loans | $10,453,000 | 6,503 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6928% | 5,157 |
| Cost of funding earning assets | 0.4806% | 3,813 |
| Net interest margin | 3.2121% | 4,968 |
| Noninterest income to average assets | 0.3292% | 4,982 |
| Noninterest expense to average assets | 2.0332% | 5,962 |
| Loan and lease loss provision to assets | 0.2827% | 1,220 |
| Net operating income to assets | 0.8753% | 2,905 |
| Return on assets (ROA) | 0.8753% | 2,988 |
| Pretax return on assets | 1.1192% | 2,889 |
| Return on Equity (ROE) | 10.1200% | 2,063 |
| Retained earnings to average equity (ytd only) | 1.1642% | 5,306 |
| Net charge-offs to loans | 0.9394% | 640 |
| Credit loss provision to net charge-offs | 93.5897% | 2,661 |
| Earnings coverage of net charge-offs (x) | 4.6410% | 3,506 |
| Efficiency ratio | 59.1883% | 5,578 |
| Assets per employee ($millions) | 6.6490% | 927 |
| Cash dividends to net income (ytd only)* | 88.4956% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7598% | 6,250 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 37.8140% | 6,109 |
| Net loans and leases to deposits | 44.2377% | 6,112 |
| Net loans and leases to core deposits | 44.2377% | 6,212 |
| Total domestic deposits to total assets | 85.4790% | 3,518 |
| Equity capital to assets | 7.8997% | 6,088 |
| Core capital (leverage) ratio | 8.2337% | 5,945 |
| Tier 1 risk-based capital ratio | 18.2651% | 2,164 |
| Total risk-based capital ratio | 18.9304% | 2,323 |
| Memoranda: | ||
| Average total assets | $25,821,000 | 6,613 |
| Average earning assets | $24,967,800 | 6,549 |
| Average equity | $2,233,200 | 6,658 |
| Average total loans | $8,303,000 | 6,639 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6977% | 5,176 |
| Cost of funding earning assets | 0.4609% | 4,160 |
| Net interest margin | 3.2368% | 4,868 |
| Noninterest income to average assets | 0.3278% | 5,068 |
| Noninterest expense to average assets | 1.8469% | 6,265 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2383% | 1,512 |
| Return on assets (ROA) | 1.2383% | 1,591 |
| Pretax return on assets | 1.6232% | 1,287 |
| Return on Equity (ROE) | 14.0024% | 996 |
| Retained earnings to average equity (ytd only) | 2.2359% | 4,976 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2234% | 6,168 |
| Assets per employee ($millions) | 6.5355% | 919 |
| Cash dividends to net income (ytd only)* | 84.0324% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8274% | 6,222 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 37.5947% | 6,190 |
| Net loans and leases to deposits | 42.6729% | 6,276 |
| Net loans and leases to core deposits | 42.6729% | 6,366 |
| Total domestic deposits to total assets | 88.0996% | 2,061 |
| Equity capital to assets | 8.3505% | 5,874 |
| Core capital (leverage) ratio | 8.3705% | 5,891 |
| Tier 1 risk-based capital ratio | 18.0204% | 2,319 |
| Total risk-based capital ratio | 18.7171% | 2,489 |
| Memoranda: | ||
| Average total assets | $25,627,250 | 6,690 |
| Average earning assets | $24,879,750 | 6,630 |
| Average equity | $2,266,250 | 6,732 |
| Average total loans | $7,845,250 | 6,731 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6317% | 5,347 |
| Cost of funding earning assets | 0.4540% | 4,388 |
| Net interest margin | 3.1778% | 5,020 |
| Noninterest income to average assets | 0.2828% | 5,426 |
| Noninterest expense to average assets | 1.7756% | 6,414 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1628% | 1,690 |
| Return on assets (ROA) | 1.1628% | 1,803 |
| Pretax return on assets | 1.5871% | 1,403 |
| Return on Equity (ROE) | 12.9032% | 1,262 |
| Retained earnings to average equity (ytd only) | 4.1848% | 3,628 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8037% | 6,232 |
| Assets per employee ($millions) | 6.2885% | 1,020 |
| Cash dividends to net income (ytd only)* | 67.5676% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9844% | 5,884 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 32.7900% | 6,469 |
| Net loans and leases to deposits | 37.6827% | 6,496 |
| Net loans and leases to core deposits | 37.6827% | 6,551 |
| Total domestic deposits to total assets | 87.0160% | 2,811 |
| Equity capital to assets | 8.9171% | 5,304 |
| Core capital (leverage) ratio | 8.5142% | 5,660 |
| Tier 1 risk-based capital ratio | 18.2379% | 2,228 |
| Total risk-based capital ratio | 18.9400% | 2,405 |
| Memoranda: | ||
| Average total assets | $25,455,670 | 6,740 |
| Average earning assets | $24,671,330 | 6,685 |
| Average equity | $2,294,000 | 6,780 |
| Average total loans | $7,157,000 | 6,801 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5298% | 5,632 |
| Cost of funding earning assets | 0.4696% | 4,377 |
| Net interest margin | 3.0602% | 5,398 |
| Noninterest income to average assets | 0.3437% | 4,942 |
| Noninterest expense to average assets | 1.5465% | 6,705 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1560% | 1,649 |
| Return on assets (ROA) | 1.1560% | 1,758 |
| Pretax return on assets | 1.7496% | 973 |
| Return on Equity (ROE) | 12.7614% | 1,226 |
| Retained earnings to average equity (ytd only) | -4.4837% | 6,321 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9194% | 6,657 |
| Assets per employee ($millions) | 6.0673% | 1,210 |
| Cash dividends to net income (ytd only)* | 135.1351% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1446% | 5,431 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 29.1813% | 6,635 |
| Net loans and leases to deposits | 32.5669% | 6,675 |
| Net loans and leases to core deposits | 32.5669% | 6,705 |
| Total domestic deposits to total assets | 89.6040% | 1,293 |
| Equity capital to assets | 9.4565% | 4,912 |
| Core capital (leverage) ratio | 8.1610% | 5,976 |
| Tier 1 risk-based capital ratio | 14.6742% | 4,053 |
| Total risk-based capital ratio | 15.2594% | 4,455 |
| Memoranda: | ||
| Average total assets | $25,606,500 | 6,806 |
| Average earning assets | $24,704,000 | 6,755 |
| Average equity | $2,319,500 | 6,844 |
| Average total loans | $6,570,500 | 6,894 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6002% | 6,225 |
| Cost of funding earning assets | 0.5564% | 4,755 |
| Net interest margin | 3.0438% | 5,943 |
| Noninterest income to average assets | 0.3765% | 4,779 |
| Noninterest expense to average assets | 1.8747% | 6,524 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0829% | 1,997 |
| Return on assets (ROA) | 1.0829% | 2,187 |
| Pretax return on assets | 1.4322% | 1,933 |
| Return on Equity (ROE) | 12.3758% | 1,395 |
| Retained earnings to average equity (ytd only) | 3.5043% | 3,751 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6901% | 5,981 |
| Assets per employee ($millions) | 6.7360% | 882 |
| Cash dividends to net income (ytd only)* | 71.6846% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3719% | 4,301 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 21.8787% | 6,899 |
| Net loans and leases to deposits | 24.1995% | 6,927 |
| Net loans and leases to core deposits | 24.1995% | 6,929 |
| Total domestic deposits to total assets | 90.4097% | 744 |
| Equity capital to assets | 8.6995% | 5,849 |
| Core capital (leverage) ratio | 7.7756% | 6,358 |
| Tier 1 risk-based capital ratio | 14.8789% | 3,787 |
| Total risk-based capital ratio | 15.4649% | 4,188 |
| Memoranda: | ||
| Average total assets | $25,763,800 | 6,848 |
| Average earning assets | $24,804,200 | 6,793 |
| Average equity | $2,254,400 | 6,920 |
| Average total loans | $6,331,600 | 6,968 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6805% | 6,257 |
| Cost of funding earning assets | 0.5700% | 4,912 |
| Net interest margin | 3.1105% | 5,915 |
| Noninterest income to average assets | 0.3926% | 4,689 |
| Noninterest expense to average assets | 1.7747% | 6,705 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2093% | 1,701 |
| Return on assets (ROA) | 1.2093% | 1,881 |
| Pretax return on assets | 1.6176% | 1,516 |
| Return on Equity (ROE) | 13.7988% | 1,153 |
| Retained earnings to average equity (ytd only) | 1.8517% | 5,410 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3148% | 6,429 |
| Assets per employee ($millions) | 6.4240% | 989 |
| Cash dividends to net income (ytd only)* | 86.5807% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3500% | 4,582 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 23.3188% | 6,983 |
| Net loans and leases to deposits | 28.7911% | 6,971 |
| Net loans and leases to core deposits | 28.7911% | 6,983 |
| Total domestic deposits to total assets | 80.9932% | 5,361 |
| Equity capital to assets | 9.1065% | 5,701 |
| Core capital (leverage) ratio | 8.0265% | 6,306 |
| Tier 1 risk-based capital ratio | 16.2863% | 3,117 |
| Total risk-based capital ratio | 16.9429% | 3,396 |
| Memoranda: | ||
| Average total assets | $25,468,750 | 6,941 |
| Average earning assets | $24,561,250 | 6,885 |
| Average equity | $2,232,000 | 7,015 |
| Average total loans | $6,420,250 | 7,060 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7083% | 6,318 |
| Cost of funding earning assets | 0.5936% | 4,954 |
| Net interest margin | 3.1146% | 5,963 |
| Noninterest income to average assets | 0.3544% | 4,998 |
| Noninterest expense to average assets | 1.8036% | 6,745 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1736% | 1,807 |
| Return on assets (ROA) | 1.1736% | 2,010 |
| Pretax return on assets | 1.5674% | 1,650 |
| Return on Equity (ROE) | 13.5701% | 1,214 |
| Retained earnings to average equity (ytd only) | 4.4627% | 3,633 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5047% | 6,366 |
| Assets per employee ($millions) | 6.2595% | 1,091 |
| Cash dividends to net income (ytd only)* | 67.1141% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2919% | 4,926 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 25.0220% | 7,007 |
| Net loans and leases to deposits | 28.8816% | 7,024 |
| Net loans and leases to core deposits | 28.8816% | 7,044 |
| Total domestic deposits to total assets | 86.6363% | 2,988 |
| Equity capital to assets | 9.1701% | 5,499 |
| Core capital (leverage) ratio | 8.3496% | 5,848 |
| Tier 1 risk-based capital ratio | 16.7743% | 2,776 |
| Total risk-based capital ratio | 17.4446% | 3,035 |
| Memoranda: | ||
| Average total assets | $25,393,000 | 7,000 |
| Average earning assets | $24,593,670 | 6,942 |
| Average equity | $2,196,000 | 7,066 |
| Average total loans | $6,535,670 | 7,119 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5746% | 6,608 |
| Cost of funding earning assets | 0.6119% | 5,040 |
| Net interest margin | 2.9627% | 6,369 |
| Noninterest income to average assets | 0.3911% | 4,734 |
| Noninterest expense to average assets | 1.7989% | 6,794 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1107% | 2,035 |
| Return on assets (ROA) | 1.1107% | 2,217 |
| Pretax return on assets | 1.4704% | 1,963 |
| Return on Equity (ROE) | 13.2339% | 1,337 |
| Retained earnings to average equity (ytd only) | -5.4054% | 6,609 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0239% | 6,225 |
| Assets per employee ($millions) | 6.8083% | 837 |
| Cash dividends to net income (ytd only)* | 140.8451% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2600% | 5,203 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 23.5964% | 7,090 |
| Net loans and leases to deposits | 25.8644% | 7,124 |
| Net loans and leases to core deposits | 25.8644% | 7,130 |
| Total domestic deposits to total assets | 91.2312% | 464 |
| Equity capital to assets | 7.9352% | 6,565 |
| Core capital (leverage) ratio | 7.4943% | 6,638 |
| Tier 1 risk-based capital ratio | 15.1195% | 3,677 |
| Total risk-based capital ratio | 15.7475% | 4,069 |
| Memoranda: | ||
| Average total assets | $25,570,500 | 7,063 |
| Average earning assets | $24,842,000 | 6,986 |
| Average equity | $2,146,000 | 7,127 |
| Average total loans | $6,630,000 | 7,173 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0111% | 6,432 |
| Cost of funding earning assets | 0.7827% | 4,988 |
| Net interest margin | 3.2285% | 6,014 |
| Noninterest income to average assets | 0.4441% | 4,271 |
| Noninterest expense to average assets | 1.9780% | 6,715 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.1905% | 1,530 |
| Return on assets (ROA) | 1.1967% | 1,629 |
| Pretax return on assets | 1.5956% | 1,214 |
| Return on Equity (ROE) | 14.3040% | 862 |
| Retained earnings to average equity (ytd only) | 4.4731% | 2,987 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4787% | 6,372 |
| Assets per employee ($millions) | 5.9770% | 1,243 |
| Cash dividends to net income (ytd only)* | 68.7285% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2145% | 5,322 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 27.8986% | 7,062 |
| Net loans and leases to deposits | 31.1813% | 7,108 |
| Net loans and leases to core deposits | 31.1813% | 7,129 |
| Total domestic deposits to total assets | 89.4721% | 1,280 |
| Equity capital to assets | 8.9133% | 5,663 |
| Core capital (leverage) ratio | 8.1675% | 6,046 |
| Tier 1 risk-based capital ratio | 16.6321% | 2,764 |
| Total risk-based capital ratio | 17.3130% | 2,970 |
| Memoranda: | ||
| Average total assets | $24,317,000 | 7,121 |
| Average earning assets | $23,509,600 | 7,061 |
| Average equity | $2,034,400 | 7,203 |
| Average total loans | $6,446,200 | 7,228 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0197% | 6,551 |
| Cost of funding earning assets | 0.8130% | 5,067 |
| Net interest margin | 3.2067% | 6,145 |
| Noninterest income to average assets | 0.4477% | 4,313 |
| Noninterest expense to average assets | 1.8564% | 6,910 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.2627% | 1,475 |
| Return on assets (ROA) | 1.2667% | 1,571 |
| Pretax return on assets | 1.6981% | 1,151 |
| Return on Equity (ROE) | 15.3876% | 767 |
| Retained earnings to average equity (ytd only) | 2.1226% | 5,077 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3077% | 6,649 |
| Assets per employee ($millions) | 5.9890% | 1,210 |
| Cash dividends to net income (ytd only)* | 86.2057% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2639% | 5,177 |
| 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 | 26.7407% | 7,176 |
| Net loans and leases to deposits | 29.5848% | 7,223 |
| Net loans and leases to core deposits | 29.5848% | 7,235 |
| Total domestic deposits to total assets | 90.3865% | 682 |
| Equity capital to assets | 8.8078% | 5,974 |
| Core capital (leverage) ratio | 7.7860% | 6,574 |
| Tier 1 risk-based capital ratio | 16.8064% | 2,718 |
| Total risk-based capital ratio | 17.5153% | 2,953 |
| Memoranda: | ||
| Average total assets | $24,419,250 | 7,189 |
| Average earning assets | $23,616,250 | 7,131 |
| Average equity | $2,010,250 | 7,278 |
| Average total loans | $6,369,750 | 7,303 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0307% | 6,611 |
| Cost of funding earning assets | 0.8499% | 5,062 |
| Net interest margin | 3.1808% | 6,217 |
| Noninterest income to average assets | 0.4232% | 4,486 |
| Noninterest expense to average assets | 1.9208% | 6,920 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1883% | 1,612 |
| Return on assets (ROA) | 1.1883% | 1,707 |
| Pretax return on assets | 1.5789% | 1,296 |
| Return on Equity (ROE) | 14.7699% | 841 |
| Retained earnings to average equity (ytd only) | 4.6535% | 3,220 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8837% | 6,521 |
| Assets per employee ($millions) | 6.1615% | 1,088 |
| Cash dividends to net income (ytd only)* | 68.4932% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3055% | 5,035 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 25.1522% | 7,296 |
| Net loans and leases to deposits | 27.8032% | 7,327 |
| Net loans and leases to core deposits | 27.8032% | 7,346 |
| Total domestic deposits to total assets | 90.4650% | 729 |
| Equity capital to assets | 8.7032% | 5,943 |
| Core capital (leverage) ratio | 7.9022% | 6,406 |
| Tier 1 risk-based capital ratio | 16.5079% | 2,740 |
| Total risk-based capital ratio | 17.1992% | 2,969 |
| Memoranda: | ||
| Average total assets | $24,573,670 | 7,255 |
| Average earning assets | $23,767,330 | 7,188 |
| Average equity | $1,977,000 | 7,350 |
| Average total loans | $6,330,330 | 7,375 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9315% | 6,785 |
| Cost of funding earning assets | 0.8233% | 5,445 |
| Net interest margin | 3.1083% | 6,328 |
| Noninterest income to average assets | 0.4075% | 4,652 |
| Noninterest expense to average assets | 1.9073% | 6,976 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1411% | 1,697 |
| Return on assets (ROA) | 1.1411% | 1,742 |
| Pretax return on assets | 1.5160% | 1,402 |
| Return on Equity (ROE) | 14.7913% | 857 |
| Retained earnings to average equity (ytd only) | -6.3391% | 6,618 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7143% | 6,531 |
| Assets per employee ($millions) | 6.1775% | 1,086 |
| Cash dividends to net income (ytd only)* | 142.8571% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2565% | 5,353 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 26.0785% | 7,340 |
| Net loans and leases to deposits | 29.0860% | 7,370 |
| Net loans and leases to core deposits | 29.0860% | 7,385 |
| Total domestic deposits to total assets | 89.6601% | 1,385 |
| Equity capital to assets | 7.6771% | 6,765 |
| Core capital (leverage) ratio | 7.4827% | 6,739 |
| Tier 1 risk-based capital ratio | 15.2699% | 3,275 |
| Total risk-based capital ratio | 15.9345% | 3,578 |
| Memoranda: | ||
| Average total assets | $24,537,500 | 7,300 |
| Average earning assets | $23,807,500 | 7,236 |
| Average equity | $1,893,000 | 7,410 |
| Average total loans | $6,355,000 | 7,434 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7732% | 7,268 |
| Cost of funding earning assets | 0.9332% | 6,017 |
| Net interest margin | 2.8400% | 6,980 |
| Noninterest income to average assets | 0.4436% | 4,574 |
| Noninterest expense to average assets | 1.9260% | 7,122 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.9416% | 2,235 |
| Return on assets (ROA) | 1.0855% | 1,830 |
| Pretax return on assets | 1.4591% | 1,484 |
| Return on Equity (ROE) | 14.3785% | 819 |
| Retained earnings to average equity (ytd only) | 4.0713% | 3,012 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3659% | 5,992 |
| Assets per employee ($millions) | 6.0913% | 1,159 |
| Cash dividends to net income (ytd only)* | 71.6846% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3260% | 4,871 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 25.0441% | 7,454 |
| Net loans and leases to deposits | 27.2484% | 7,497 |
| Net loans and leases to core deposits | 27.2484% | 7,504 |
| Total domestic deposits to total assets | 91.9105% | 302 |
| Equity capital to assets | 7.7529% | 6,704 |
| Core capital (leverage) ratio | 6.2056% | 7,261 |
| Tier 1 risk-based capital ratio | 15.5536% | 2,975 |
| Total risk-based capital ratio | 16.2206% | 3,221 |
| Memoranda: | ||
| Average total assets | $25,701,600 | 7,325 |
| Average earning assets | $24,859,400 | 7,262 |
| Average equity | $1,940,400 | 7,510 |
| Average total loans | $5,975,400 | 7,534 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7613% | 7,423 |
| Cost of funding earning assets | 0.9483% | 6,186 |
| Net interest margin | 2.8130% | 7,116 |
| Noninterest income to average assets | 0.4558% | 4,515 |
| Noninterest expense to average assets | 1.7668% | 7,369 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.0362% | 2,117 |
| Return on assets (ROA) | 1.0703% | 2,114 |
| Pretax return on assets | 1.4544% | 1,737 |
| Return on Equity (ROE) | 14.2665% | 975 |
| Retained earnings to average equity (ytd only) | 0.6144% | 5,553 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6452% | 6,606 |
| Assets per employee ($millions) | 8.1243% | 485 |
| Cash dividends to net income (ytd only)* | 95.6937% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3996% | 4,460 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 17.7770% | 7,638 |
| Net loans and leases to deposits | 19.1171% | 7,667 |
| Net loans and leases to core deposits | 19.1171% | 7,657 |
| Total domestic deposits to total assets | 92.9901% | 100 |
| Equity capital to assets | 6.3267% | 7,445 |
| Core capital (leverage) ratio | 6.7216% | 7,280 |
| Tier 1 risk-based capital ratio | 15.3290% | 3,085 |
| Total risk-based capital ratio | 16.0110% | 3,349 |
| Memoranda: | ||
| Average total assets | $26,035,750 | 7,411 |
| Average earning assets | $25,167,750 | 7,344 |
| Average equity | $1,953,250 | 7,607 |
| Average total loans | $5,923,250 | 7,632 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0813% | 7,297 |
| Cost of funding earning assets | 1.0681% | 5,829 |
| Net interest margin | 3.0132% | 6,800 |
| Noninterest income to average assets | 0.4690% | 4,366 |
| Noninterest expense to average assets | 1.8843% | 7,287 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0900% | 1,888 |
| Return on assets (ROA) | 1.1389% | 1,794 |
| Pretax return on assets | 1.5577% | 1,412 |
| Return on Equity (ROE) | 14.1740% | 1,003 |
| Retained earnings to average equity (ytd only) | 3.7520% | 3,708 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8313% | 6,656 |
| Assets per employee ($millions) | 6.9343% | 799 |
| Cash dividends to net income (ytd only)* | 73.5294% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4475% | 4,190 |
| Loan loss allowance to noncurrent loans | 1,025.0000% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.0288% | 7,328 |
| Noncurrent loans to loans | 0.1412% | 6,976 |
| Net loans and leases to total assets | 20.1283% | 7,691 |
| Net loans and leases to deposits | 21.8547% | 7,719 |
| Net loans and leases to core deposits | 21.8547% | 7,715 |
| Total domestic deposits to total assets | 92.1008% | 203 |
| Equity capital to assets | 7.2683% | 7,241 |
| Core capital (leverage) ratio | 8.1849% | 5,967 |
| Tier 1 risk-based capital ratio | 13.7087% | 3,935 |
| Total risk-based capital ratio | 14.3098% | 4,345 |
| Memoranda: | ||
| Average total assets | $23,882,000 | 7,535 |
| Average earning assets | $23,031,670 | 7,474 |
| Average equity | $1,919,000 | 7,674 |
| Average total loans | $5,944,670 | 7,697 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9249% | 5,331 |
| Cost of funding earning assets | 1.2265% | 5,249 |
| Net interest margin | 3.6984% | 4,255 |
| Noninterest income to average assets | 0.4919% | 4,110 |
| Noninterest expense to average assets | 2.1317% | 6,858 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.3799% | 1,124 |
| Return on assets (ROA) | 1.4576% | 1,043 |
| Pretax return on assets | 2.0406% | 568 |
| Return on Equity (ROE) | 17.1077% | 597 |
| Retained earnings to average equity (ytd only) | -4.2769% | 6,532 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4664% | 7,103 |
| Assets per employee ($millions) | 5.5905% | 1,590 |
| Cash dividends to net income (ytd only)* | 125.0000% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3809% | 4,514 |
| Loan loss allowance to noncurrent loans | 1,025.0000% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.0358% | 7,408 |
| Noncurrent loans to loans | 0.1347% | 7,067 |
| Net loans and leases to total assets | 26.1873% | 7,699 |
| Net loans and leases to deposits | 28.7891% | 7,744 |
| Net loans and leases to core deposits | 28.7891% | 7,757 |
| Total domestic deposits to total assets | 90.9623% | 564 |
| Equity capital to assets | 8.3579% | 6,216 |
| Core capital (leverage) ratio | 7.9037% | 6,378 |
| Tier 1 risk-based capital ratio | 15.5594% | 2,845 |
| Total risk-based capital ratio | 16.2623% | 3,069 |
| Memoranda: | ||
| Average total assets | $21,954,500 | 7,678 |
| Average earning assets | $21,198,500 | 7,624 |
| Average equity | $1,870,500 | 7,771 |
| Average total loans | $6,084,500 | 7,794 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1162% | 6,019 |
| Cost of funding earning assets | 1.5690% | 5,188 |
| Net interest margin | 3.5472% | 4,759 |
| Noninterest income to average assets | 0.5452% | 4,061 |
| Noninterest expense to average assets | 2.5160% | 6,070 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.3267% | 982 |
| Return on assets (ROA) | 0.6402% | 3,233 |
| Pretax return on assets | 0.6803% | 3,643 |
| Return on Equity (ROE) | 7.9061% | 2,411 |
| Retained earnings to average equity (ytd only) | -4.4472% | 5,935 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0764% | 5,765 |
| Assets per employee ($millions) | 5.3868% | 1,757 |
| Cash dividends to net income (ytd only)* | 156.2500% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3160% | 4,668 |
| Loan loss allowance to noncurrent loans | 911.1111% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.0418% | 7,404 |
| Noncurrent loans to loans | 0.1444% | 7,068 |
| Net loans and leases to total assets | 28.5376% | 7,741 |
| Net loans and leases to deposits | 31.4366% | 7,793 |
| Net loans and leases to core deposits | 33.5424% | 7,841 |
| Total domestic deposits to total assets | 90.7783% | 625 |
| Equity capital to assets | 8.6880% | 5,605 |
| Core capital (leverage) ratio | 8.8639% | 4,657 |
| Tier 1 risk-based capital ratio | 15.4344% | 2,741 |
| Total risk-based capital ratio | 16.1241% | 2,961 |
| Memoranda: | ||
| Average total assets | $19,992,400 | 7,774 |
| Average earning assets | $19,057,200 | 7,731 |
| Average equity | $1,619,000 | 7,904 |
| Average total loans | $5,965,000 | 7,859 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2470% | 5,702 |
| Cost of funding earning assets | 1.6558% | 5,131 |
| Net interest margin | 3.5911% | 4,509 |
| Noninterest income to average assets | 0.5781% | 3,868 |
| Noninterest expense to average assets | 2.4689% | 6,181 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.6391% | 622 |
| Return on assets (ROA) | 0.3808% | 4,581 |
| Pretax return on assets | 0.2584% | 5,172 |
| Return on Equity (ROE) | 4.7990% | 4,048 |
| Retained earnings to average equity (ytd only) | -12.3413% | 6,962 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9454% | 6,116 |
| Assets per employee ($millions) | 4.9315% | 2,228 |
| Cash dividends to net income (ytd only)* | 357.1658% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4804% | 3,546 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 27.6640% | 7,853 |
| Net loans and leases to deposits | 30.5680% | 7,905 |
| Net loans and leases to core deposits | 32.5306% | 7,936 |
| Total domestic deposits to total assets | 90.4998% | 591 |
| Equity capital to assets | 8.9831% | 5,502 |
| Core capital (leverage) ratio | 8.9121% | 4,788 |
| Tier 1 risk-based capital ratio | 16.0389% | 2,613 |
| Total risk-based capital ratio | 16.7849% | 2,745 |
| Memoranda: | ||
| Average total assets | $19,603,750 | 7,861 |
| Average earning assets | $18,600,750 | 7,818 |
| Average equity | $1,555,750 | 8,002 |
| Average total loans | $5,898,500 | 7,941 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3724% | 5,291 |
| Cost of funding earning assets | 1.7192% | 5,179 |
| Net interest margin | 3.6532% | 4,149 |
| Noninterest income to average assets | 0.5112% | 4,349 |
| Noninterest expense to average assets | 2.5354% | 6,000 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.5744% | 720 |
| Return on assets (ROA) | 0.2045% | 5,326 |
| Pretax return on assets | 0.0818% | 5,713 |
| Return on Equity (ROE) | 2.6960% | 5,020 |
| Retained earnings to average equity (ytd only) | -10.7841% | 6,957 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5897% | 5,987 |
| Assets per employee ($millions) | 4.7080% | 2,455 |
| Cash dividends to net income (ytd only)* | 500.0000% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4544% | 3,441 |
| Loan loss allowance to noncurrent loans | 341.6667% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.1274% | 7,240 |
| Noncurrent loans to loans | 0.4257% | 6,454 |
| Net loans and leases to total assets | 29.5030% | 7,898 |
| Net loans and leases to deposits | 32.4003% | 7,964 |
| Net loans and leases to core deposits | 34.3132% | 8,001 |
| Total domestic deposits to total assets | 91.0578% | 435 |
| Equity capital to assets | 8.6502% | 5,820 |
| Core capital (leverage) ratio | 9.0729% | 4,508 |
| Tier 1 risk-based capital ratio | 15.7364% | 2,715 |
| Total risk-based capital ratio | 16.4427% | 2,874 |
| Memoranda: | ||
| Average total assets | $19,563,000 | 7,943 |
| Average earning assets | $18,613,670 | 7,894 |
| Average equity | $1,483,670 | 8,097 |
| Average total loans | $6,018,330 | 8,024 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2768% | 5,999 |
| Cost of funding earning assets | 1.7377% | 5,437 |
| Net interest margin | 3.5391% | 4,569 |
| Noninterest income to average assets | 0.5620% | 3,816 |
| Noninterest expense to average assets | 2.4688% | 5,963 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1240% | 1,881 |
| Return on assets (ROA) | 1.1240% | 2,006 |
| Pretax return on assets | 1.4452% | 1,828 |
| Return on Equity (ROE) | 15.8753% | 845 |
| Retained earnings to average equity (ytd only) | -12.4734% | 7,290 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0769% | 5,860 |
| Assets per employee ($millions) | 6.9903% | 778 |
| Cash dividends to net income (ytd only)* | 178.5714% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3305% | 3,912 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 28.9972% | 7,937 |
| Net loans and leases to deposits | 31.0858% | 8,023 |
| Net loans and leases to core deposits | 32.5031% | 8,066 |
| Total domestic deposits to total assets | 93.2812% | 69 |
| Equity capital to assets | 6.4613% | 7,886 |
| Core capital (leverage) ratio | 8.9671% | 4,763 |
| Tier 1 risk-based capital ratio | 14.7810% | 3,166 |
| Total risk-based capital ratio | 15.4316% | 3,418 |
| Memoranda: | ||
| Average total assets | $19,928,500 | 7,979 |
| Average earning assets | $18,875,000 | 7,934 |
| Average equity | $1,411,000 | 8,165 |
| Average total loans | $6,208,500 | 8,075 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4780% | 7,346 |
| Cost of funding earning assets | 2.1077% | 6,015 |
| Net interest margin | 3.3702% | 5,782 |
| Noninterest income to average assets | 0.5943% | 3,877 |
| Noninterest expense to average assets | 2.3871% | 6,437 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.3082% | 1,464 |
| Return on assets (ROA) | 0.6792% | 3,824 |
| Pretax return on assets | 0.7241% | 4,317 |
| Return on Equity (ROE) | 7.8116% | 3,146 |
| Retained earnings to average equity (ytd only) | -3.6760% | 6,260 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1440% | 5,750 |
| Assets per employee ($millions) | 6.2953% | 994 |
| Cash dividends to net income (ytd only)* | 147.0588% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3112% | 3,702 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 32.6803% | 7,925 |
| Net loans and leases to deposits | 35.5284% | 8,036 |
| Net loans and leases to core deposits | 39.7399% | 8,056 |
| Total domestic deposits to total assets | 91.9835% | 135 |
| Equity capital to assets | 7.7677% | 7,135 |
| Core capital (leverage) ratio | 9.4591% | 4,070 |
| Tier 1 risk-based capital ratio | 16.1048% | 2,626 |
| Total risk-based capital ratio | 16.7976% | 2,761 |
| Memoranda: | ||
| Average total assets | $20,024,200 | 8,011 |
| Average earning assets | $18,930,400 | 7,971 |
| Average equity | $1,741,000 | 8,172 |
| Average total loans | $6,319,200 | 8,114 |