Home > Robert Lee State Bank > Performance and Condition Ratios
Robert Lee State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0393% | 3,898 |
| Cost of funding earning assets | 0.4747% | 4,222 |
| Net interest margin | 3.5647% | 2,035 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 3.2681% | 764 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5398% | 3,590 |
| Return on assets (ROA) | 0.5398% | 3,577 |
| Pretax return on assets | 0.6030% | 3,627 |
| Return on Equity (ROE) | 5.6100% | 3,609 |
| Retained earnings to average equity (ytd only) | 4.6670% | 2,724 |
| Net charge-offs to loans | 0.0353% | 1,604 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 53.4000% | 1,256 |
| Efficiency ratio | 84.4224% | 640 |
| Assets per employee ($millions) | 3.2607% | 4,336 |
| Cash dividends to net income (ytd only)* | 16.7364% | 3,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8424% | 497 |
| Loan loss allowance to noncurrent loans | 92.1502% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 0.6912% | 755 |
| Noncurrent loans to loans | 1.9993% | 280 |
| Net loans and leases to total assets | 33.9400% | 4,211 |
| Net loans and leases to deposits | 38.6257% | 4,228 |
| Net loans and leases to core deposits | 42.4311% | 4,237 |
| Total domestic deposits to total assets | 87.8600% | 1,399 |
| Equity capital to assets | 11.1939% | 1,401 |
| Core capital (leverage) ratio | 13.4451% | 924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $44,276,000 | 4,362 |
| Average earning assets | $41,714,800 | 4,329 |
| Average equity | $4,264,000 | 4,333 |
| Average total loans | $14,159,200 | 4,367 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0234% | 3,808 |
| Cost of funding earning assets | 0.4112% | 4,240 |
| Net interest margin | 3.6122% | 1,975 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 3.2209% | 794 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6793% | 3,369 |
| Return on assets (ROA) | 0.6793% | 3,356 |
| Pretax return on assets | 0.6793% | 3,590 |
| Return on Equity (ROE) | 7.3400% | 3,343 |
| Retained earnings to average equity (ytd only) | 6.6605% | 2,415 |
| Net charge-offs to loans | -0.1140% | 4,511 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 82.5821% | 693 |
| Assets per employee ($millions) | 3.6298% | 4,288 |
| Cash dividends to net income (ytd only)* | 9.2105% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0656% | 353 |
| Loan loss allowance to noncurrent loans | 95.6667% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 0.6888% | 831 |
| Noncurrent loans to loans | 2.1592% | 260 |
| Net loans and leases to total assets | 31.2400% | 4,292 |
| Net loans and leases to deposits | 34.5522% | 4,322 |
| Net loans and leases to core deposits | 38.0073% | 4,295 |
| Total domestic deposits to total assets | 90.4100% | 837 |
| Equity capital to assets | 9.4244% | 2,142 |
| Core capital (leverage) ratio | 12.7853% | 1,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $44,747,750 | 4,373 |
| Average earning assets | $42,152,250 | 4,347 |
| Average equity | $4,143,750 | 4,355 |
| Average total loans | $14,035,250 | 4,386 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9683% | 3,752 |
| Cost of funding earning assets | 0.3193% | 4,285 |
| Net interest margin | 3.6490% | 1,917 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 3.1056% | 902 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8196% | 3,022 |
| Return on assets (ROA) | 0.8196% | 3,031 |
| Pretax return on assets | 0.8196% | 3,358 |
| Return on Equity (ROE) | 8.9000% | 3,011 |
| Retained earnings to average equity (ytd only) | 7.8909% | 1,998 |
| Net charge-offs to loans | -0.0710% | 4,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 79.1196% | 902 |
| Assets per employee ($millions) | 3.4283% | 4,361 |
| Cash dividends to net income (ytd only)* | 11.3514% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0128% | 406 |
| Loan loss allowance to noncurrent loans | 83.3333% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 0.7539% | 678 |
| Noncurrent loans to loans | 2.4154% | 195 |
| Net loans and leases to total assets | 30.5800% | 4,315 |
| Net loans and leases to deposits | 33.7811% | 4,334 |
| Net loans and leases to core deposits | 37.3094% | 4,308 |
| Total domestic deposits to total assets | 90.5400% | 768 |
| Equity capital to assets | 9.3789% | 2,245 |
| Core capital (leverage) ratio | 12.2390% | 1,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $45,144,667 | 4,389 |
| Average earning assets | $42,587,333 | 4,368 |
| Average equity | $4,156,667 | 4,377 |
| Average total loans | $14,082,333 | 4,406 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9484% | 3,557 |
| Cost of funding earning assets | 0.2147% | 4,351 |
| Net interest margin | 3.7337% | 1,819 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 3.1343% | 886 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8364% | 3,065 |
| Return on assets (ROA) | 0.8364% | 3,023 |
| Pretax return on assets | 0.8364% | 3,378 |
| Return on Equity (ROE) | 9.1700% | 2,998 |
| Retained earnings to average equity (ytd only) | 7.1411% | 2,455 |
| Net charge-offs to loans | -0.1412% | 4,556 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.9357% | 912 |
| Assets per employee ($millions) | 3.9246% | 4,282 |
| Cash dividends to net income (ytd only)* | 22.1053% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0000% | 440 |
| Loan loss allowance to noncurrent loans | 91.2052% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 0.6519% | 765 |
| Noncurrent loans to loans | 2.1929% | 244 |
| Net loans and leases to total assets | 29.1300% | 4,386 |
| Net loans and leases to deposits | 32.0284% | 4,408 |
| Net loans and leases to core deposits | 35.1524% | 4,378 |
| Total domestic deposits to total assets | 90.9600% | 819 |
| Equity capital to assets | 9.0031% | 2,515 |
| Core capital (leverage) ratio | 11.4605% | 1,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $45,433,000 | 4,454 |
| Average earning assets | $42,853,000 | 4,427 |
| Average equity | $4,145,000 | 4,441 |
| Average total loans | $14,168,000 | 4,468 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0695% | 4,045 |
| Cost of funding earning assets | 0.1884% | 3,849 |
| Net interest margin | 2.8811% | 3,723 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 2.9722% | 1,007 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.2871% | 4,374 |
| Return on assets (ROA) | 0.2871% | 4,347 |
| Pretax return on assets | 0.2614% | 4,399 |
| Return on Equity (ROE) | 2.8300% | 4,309 |
| Retained earnings to average equity (ytd only) | 2.8292% | 3,771 |
| Net charge-offs to loans | 0.6666% | 105 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 1.2979% | 2,543 |
| Efficiency ratio | 91.9152% | 265 |
| Assets per employee ($millions) | 3.6476% | 4,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3881% | 1,537 |
| Loan loss allowance to noncurrent loans | 63.3758% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 0.7174% | 665 |
| Noncurrent loans to loans | 2.1903% | 235 |
| Net loans and leases to total assets | 32.3000% | 4,329 |
| Net loans and leases to deposits | 35.6410% | 4,352 |
| Net loans and leases to core deposits | 39.1617% | 4,297 |
| Total domestic deposits to total assets | 90.6200% | 1,104 |
| Equity capital to assets | 9.2527% | 2,195 |
| Core capital (leverage) ratio | 12.4690% | 1,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $46,666,400 | 4,465 |
| Average earning assets | $44,045,800 | 4,436 |
| Average equity | $4,736,400 | 4,455 |
| Average total loans | $14,100,800 | 4,500 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9285% | 4,016 |
| Cost of funding earning assets | 0.1817% | 3,501 |
| Net interest margin | 2.7468% | 3,840 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 2.9372% | 998 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.1716% | 4,499 |
| Return on assets (ROA) | 0.1716% | 4,468 |
| Pretax return on assets | 0.1716% | 4,482 |
| Return on Equity (ROE) | 1.6600% | 4,433 |
| Retained earnings to average equity (ytd only) | 1.6571% | 4,096 |
| Net charge-offs to loans | 0.6552% | 94 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.8841% | 2,285 |
| Efficiency ratio | 94.4796% | 226 |
| Assets per employee ($millions) | 3.7124% | 4,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5861% | 1,093 |
| Loan loss allowance to noncurrent loans | 66.6667% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 0.7542% | 670 |
| Noncurrent loans to loans | 2.3791% | 230 |
| Net loans and leases to total assets | 31.2000% | 4,392 |
| Net loans and leases to deposits | 34.1499% | 4,418 |
| Net loans and leases to core deposits | 37.0512% | 4,366 |
| Total domestic deposits to total assets | 91.3600% | 1,098 |
| Equity capital to assets | 8.5614% | 2,503 |
| Core capital (leverage) ratio | 11.7404% | 1,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $47,390,250 | 4,498 |
| Average earning assets | $44,753,750 | 4,462 |
| Average equity | $4,908,000 | 4,482 |
| Average total loans | $14,042,000 | 4,533 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7792% | 4,011 |
| Cost of funding earning assets | 0.1751% | 3,248 |
| Net interest margin | 2.6041% | 3,903 |
| Noninterest income to average assets | 0.4675% | 2,358 |
| Noninterest expense to average assets | 2.8632% | 1,047 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.0662% | 4,543 |
| Return on assets (ROA) | 0.0662% | 4,509 |
| Pretax return on assets | 0.0662% | 4,507 |
| Return on Equity (ROE) | 0.6069% | 4,506 |
| Retained earnings to average equity (ytd only) | 0.6069% | 4,076 |
| Net charge-offs to loans | 1.0132% | 62 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 0.2254% | 2,100 |
| Efficiency ratio | 97.7401% | 220 |
| Assets per employee ($millions) | 3.8928% | 4,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6491% | 1,050 |
| Loan loss allowance to noncurrent loans | 69.1589% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 0.6872% | 794 |
| Noncurrent loans to loans | 2.3845% | 249 |
| Net loans and leases to total assets | 28.3427% | 4,512 |
| Net loans and leases to deposits | 31.0856% | 4,524 |
| Net loans and leases to core deposits | 33.6024% | 4,489 |
| Total domestic deposits to total assets | 91.1761% | 1,156 |
| Equity capital to assets | 8.7790% | 2,552 |
| Core capital (leverage) ratio | 11.2577% | 1,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,337,333 | 4,532 |
| Average earning assets | $45,697,333 | 4,513 |
| Average equity | $5,272,667 | 4,494 |
| Average total loans | $14,015,000 | 4,597 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6993% | 3,951 |
| Cost of funding earning assets | 0.1800% | 3,088 |
| Net interest margin | 2.5193% | 3,865 |
| Noninterest income to average assets | 0.4232% | 2,536 |
| Noninterest expense to average assets | 2.7915% | 1,173 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0244% | 4,531 |
| Return on assets (ROA) | 0.0244% | 4,512 |
| Pretax return on assets | 0.0244% | 4,506 |
| Return on Equity (ROE) | 0.2048% | 4,513 |
| Retained earnings to average equity (ytd only) | 0.2048% | 3,980 |
| Net charge-offs to loans | 2.0152% | 36 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 0.0417% | 1,781 |
| Efficiency ratio | 99.1329% | 260 |
| Assets per employee ($millions) | 4.2787% | 4,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6038% | 1,261 |
| Loan loss allowance to noncurrent loans | 88.0478% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 0.4889% | 1,231 |
| Noncurrent loans to loans | 1.8215% | 419 |
| Net loans and leases to total assets | 26.4081% | 4,549 |
| Net loans and leases to deposits | 29.4658% | 4,565 |
| Net loans and leases to core deposits | 31.6548% | 4,546 |
| Total domestic deposits to total assets | 89.6229% | 1,759 |
| Equity capital to assets | 10.3011% | 1,686 |
| Core capital (leverage) ratio | 11.5105% | 1,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,149,000 | 4,543 |
| Average earning assets | $46,679,000 | 4,523 |
| Average equity | $5,858,500 | 4,479 |
| Average total loans | $14,291,500 | 4,615 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0418% | 3,797 |
| Cost of funding earning assets | 0.1894% | 3,562 |
| Net interest margin | 2.8525% | 3,556 |
| Noninterest income to average assets | 0.4490% | 2,824 |
| Noninterest expense to average assets | 3.0678% | 892 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.1526% | 4,579 |
| Return on assets (ROA) | 0.1526% | 4,592 |
| Pretax return on assets | 0.0796% | 4,656 |
| Return on Equity (ROE) | 1.0637% | 4,605 |
| Retained earnings to average equity (ytd only) | 0.6012% | 4,350 |
| Net charge-offs to loans | -0.1859% | 4,696 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4701% | 177 |
| Assets per employee ($millions) | 3.6118% | 4,563 |
| Cash dividends to net income (ytd only)* | 43.4783% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9793% | 625 |
| Loan loss allowance to noncurrent loans | 221.9697% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.2811% | 2,135 |
| Noncurrent loans to loans | 0.8917% | 1,138 |
| Net loans and leases to total assets | 30.9026% | 4,486 |
| Net loans and leases to deposits | 35.8785% | 4,479 |
| Net loans and leases to core deposits | 38.9363% | 4,422 |
| Total domestic deposits to total assets | 86.1311% | 2,857 |
| Equity capital to assets | 13.6900% | 725 |
| Core capital (leverage) ratio | 13.7976% | 648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,212,200 | 4,611 |
| Average earning assets | $42,770,200 | 4,585 |
| Average equity | $6,486,800 | 4,477 |
| Average total loans | $15,065,800 | 4,648 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0913% | 3,830 |
| Cost of funding earning assets | 0.1954% | 3,652 |
| Net interest margin | 2.8959% | 3,561 |
| Noninterest income to average assets | 0.4407% | 2,884 |
| Noninterest expense to average assets | 3.1206% | 791 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.0566% | 4,718 |
| Return on assets (ROA) | 0.0566% | 4,732 |
| Pretax return on assets | 0.0566% | 4,732 |
| Return on Equity (ROE) | 0.3896% | 4,731 |
| Retained earnings to average equity (ytd only) | -0.2256% | 4,587 |
| Net charge-offs to loans | -0.5111% | 4,843 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2193% | 173 |
| Assets per employee ($millions) | 3.4775% | 4,651 |
| Cash dividends to net income (ytd only)* | 157.8947% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2219% | 443 |
| Loan loss allowance to noncurrent loans | 188.8889% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 0.3783% | 1,932 |
| Noncurrent loans to loans | 1.1763% | 946 |
| Net loans and leases to total assets | 31.4420% | 4,552 |
| Net loans and leases to deposits | 36.8726% | 4,550 |
| Net loans and leases to core deposits | 40.1786% | 4,507 |
| Total domestic deposits to total assets | 85.2722% | 3,023 |
| Equity capital to assets | 14.5486% | 632 |
| Core capital (leverage) ratio | 13.8606% | 667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,776,750 | 4,684 |
| Average earning assets | $42,311,000 | 4,654 |
| Average equity | $6,501,500 | 4,543 |
| Average total loans | $15,131,500 | 4,715 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0396% | 3,973 |
| Cost of funding earning assets | 0.1995% | 3,755 |
| Net interest margin | 2.8401% | 3,699 |
| Noninterest income to average assets | 0.4436% | 2,882 |
| Noninterest expense to average assets | 3.1815% | 738 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.0583% | 4,787 |
| Return on assets (ROA) | -0.0583% | 4,797 |
| Pretax return on assets | -0.0583% | 4,797 |
| Return on Equity (ROE) | -0.4015% | 4,794 |
| Retained earnings to average equity (ytd only) | -1.3279% | 4,631 |
| Net charge-offs to loans | -0.5088% | 4,873 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.8651% | 153 |
| Assets per employee ($millions) | 3.5091% | 4,667 |
| Cash dividends to net income (ytd only)* | -230.7692% | 4,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0359% | 568 |
| Loan loss allowance to noncurrent loans | 56.4007% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 1.1816% | 589 |
| Noncurrent loans to loans | 3.6097% | 172 |
| Net loans and leases to total assets | 32.0663% | 4,590 |
| Net loans and leases to deposits | 37.4434% | 4,596 |
| Net loans and leases to core deposits | 40.7431% | 4,562 |
| Total domestic deposits to total assets | 85.6394% | 2,860 |
| Equity capital to assets | 14.2159% | 674 |
| Core capital (leverage) ratio | 13.4183% | 726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,633,333 | 4,710 |
| Average earning assets | $42,111,333 | 4,681 |
| Average equity | $6,476,333 | 4,572 |
| Average total loans | $15,329,667 | 4,746 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0782% | 3,934 |
| Cost of funding earning assets | 0.2103% | 3,823 |
| Net interest margin | 2.8679% | 3,598 |
| Noninterest income to average assets | 0.3897% | 3,150 |
| Noninterest expense to average assets | 3.1445% | 782 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.0362% | 4,784 |
| Return on assets (ROA) | -0.0362% | 4,791 |
| Pretax return on assets | -0.0362% | 4,794 |
| Return on Equity (ROE) | -0.2472% | 4,791 |
| Retained earnings to average equity (ytd only) | -2.1014% | 4,543 |
| Net charge-offs to loans | 0.0515% | 992 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | -2.0000% | 1,908 |
| Efficiency ratio | 101.1662% | 179 |
| Assets per employee ($millions) | 3.5436% | 4,673 |
| Cash dividends to net income (ytd only)* | -750.0000% | 4,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7341% | 974 |
| Loan loss allowance to noncurrent loans | 73.4637% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 0.7771% | 1,164 |
| Noncurrent loans to loans | 2.3605% | 407 |
| Net loans and leases to total assets | 32.3507% | 4,618 |
| Net loans and leases to deposits | 37.5476% | 4,640 |
| Net loans and leases to core deposits | 41.0721% | 4,591 |
| Total domestic deposits to total assets | 86.1593% | 2,679 |
| Equity capital to assets | 13.6974% | 741 |
| Core capital (leverage) ratio | 13.7036% | 702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,141,000 | 4,737 |
| Average earning assets | $41,843,000 | 4,705 |
| Average equity | $6,472,000 | 4,589 |
| Average total loans | $15,528,500 | 4,774 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4522% | 4,118 |
| Cost of funding earning assets | 0.2714% | 4,288 |
| Net interest margin | 3.1808% | 3,405 |
| Noninterest income to average assets | 0.4146% | 3,028 |
| Noninterest expense to average assets | 3.1686% | 1,113 |
| Loan and lease loss provision to assets | 0.0873% | 3,272 |
| Net operating income to assets | 0.1534% | 4,623 |
| Return on assets (ROA) | 0.4059% | 4,314 |
| Pretax return on assets | 0.4670% | 4,328 |
| Return on Equity (ROE) | 2.8924% | 4,407 |
| Retained earnings to average equity (ytd only) | 2.1149% | 3,777 |
| Net charge-offs to loans | 0.4102% | 415 |
| Credit loss provision to net charge-offs | 58.8235% | 3,095 |
| Earnings coverage of net charge-offs (x) | 1.7794% | 3,233 |
| Efficiency ratio | 92.3077% | 308 |
| Assets per employee ($millions) | 3.2455% | 4,743 |
| Cash dividends to net income (ytd only)* | 26.8817% | 2,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6676% | 1,116 |
| Loan loss allowance to noncurrent loans | 44.9915% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 1.3960% | 555 |
| Noncurrent loans to loans | 3.7065% | 170 |
| Net loans and leases to total assets | 37.0363% | 4,564 |
| Net loans and leases to deposits | 44.0591% | 4,526 |
| Net loans and leases to core deposits | 48.7292% | 4,465 |
| Total domestic deposits to total assets | 84.0606% | 3,091 |
| Equity capital to assets | 15.6668% | 467 |
| Core capital (leverage) ratio | 14.8473% | 525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,824,000 | 4,700 |
| Average earning assets | $43,479,200 | 4,680 |
| Average equity | $6,430,600 | 4,591 |
| Average total loans | $16,575,800 | 4,778 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5030% | 4,205 |
| Cost of funding earning assets | 0.2854% | 4,369 |
| Net interest margin | 3.2176% | 3,438 |
| Noninterest income to average assets | 0.3994% | 3,082 |
| Noninterest expense to average assets | 3.0813% | 1,267 |
| Loan and lease loss provision to assets | 0.1134% | 2,904 |
| Net operating income to assets | 0.2596% | 4,508 |
| Return on assets (ROA) | 0.4108% | 4,308 |
| Pretax return on assets | 0.4108% | 4,416 |
| Return on Equity (ROE) | 3.0066% | 4,388 |
| Retained earnings to average equity (ytd only) | 1.9627% | 3,945 |
| Net charge-offs to loans | 0.5653% | 265 |
| Credit loss provision to net charge-offs | 56.3380% | 2,868 |
| Earnings coverage of net charge-offs (x) | 1.8451% | 3,037 |
| Efficiency ratio | 89.1825% | 384 |
| Assets per employee ($millions) | 3.3678% | 4,717 |
| Cash dividends to net income (ytd only)* | 34.7222% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6130% | 1,068 |
| Loan loss allowance to noncurrent loans | 174.6667% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.3426% | 2,769 |
| Noncurrent loans to loans | 0.9235% | 1,614 |
| Net loans and leases to total assets | 36.5013% | 4,663 |
| Net loans and leases to deposits | 43.1278% | 4,681 |
| Net loans and leases to core deposits | 47.4763% | 4,637 |
| Total domestic deposits to total assets | 84.6352% | 2,578 |
| Equity capital to assets | 15.1455% | 605 |
| Core capital (leverage) ratio | 13.6371% | 801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,732,250 | 4,715 |
| Average earning assets | $44,380,000 | 4,690 |
| Average equity | $6,385,750 | 4,620 |
| Average total loans | $16,747,000 | 4,806 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5655% | 4,321 |
| Cost of funding earning assets | 0.3085% | 4,451 |
| Net interest margin | 3.2570% | 3,502 |
| Noninterest income to average assets | 0.3940% | 3,123 |
| Noninterest expense to average assets | 2.9885% | 1,600 |
| Loan and lease loss provision to assets | 0.0838% | 3,232 |
| Net operating income to assets | 0.4191% | 4,191 |
| Return on assets (ROA) | 0.6371% | 3,705 |
| Pretax return on assets | 0.6371% | 3,992 |
| Return on Equity (ROE) | 4.8223% | 3,881 |
| Retained earnings to average equity (ytd only) | 3.8706% | 2,974 |
| Net charge-offs to loans | 0.5321% | 298 |
| Credit loss provision to net charge-offs | 44.4444% | 2,648 |
| Earnings coverage of net charge-offs (x) | 2.6667% | 2,748 |
| Efficiency ratio | 85.5942% | 560 |
| Assets per employee ($millions) | 3.7488% | 4,511 |
| Cash dividends to net income (ytd only)* | 19.7368% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5970% | 1,016 |
| Loan loss allowance to noncurrent loans | 190.0709% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.2893% | 3,162 |
| Noncurrent loans to loans | 0.8402% | 1,815 |
| Net loans and leases to total assets | 33.8839% | 4,783 |
| Net loans and leases to deposits | 39.2802% | 4,810 |
| Net loans and leases to core deposits | 45.3853% | 4,728 |
| Total domestic deposits to total assets | 86.2622% | 1,907 |
| Equity capital to assets | 13.5634% | 969 |
| Core capital (leverage) ratio | 12.7968% | 1,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,715,667 | 4,721 |
| Average earning assets | $45,379,333 | 4,698 |
| Average equity | $6,304,000 | 4,653 |
| Average total loans | $16,915,000 | 4,830 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8260% | 4,179 |
| Cost of funding earning assets | 0.3121% | 4,617 |
| Net interest margin | 3.5138% | 2,934 |
| Noninterest income to average assets | 0.4406% | 2,845 |
| Noninterest expense to average assets | 3.0504% | 1,766 |
| Loan and lease loss provision to assets | 0.1695% | 1,735 |
| Net operating income to assets | 0.5592% | 3,713 |
| Return on assets (ROA) | 0.9744% | 2,370 |
| Pretax return on assets | 0.9744% | 2,918 |
| Return on Equity (ROE) | 7.4785% | 2,744 |
| Retained earnings to average equity (ytd only) | 5.5276% | 2,054 |
| Net charge-offs to loans | 0.1178% | 998 |
| Credit loss provision to net charge-offs | 400.0000% | 996 |
| Earnings coverage of net charge-offs (x) | 17.2000% | 1,501 |
| Efficiency ratio | 80.7175% | 1,069 |
| Assets per employee ($millions) | 3.4600% | 4,518 |
| Cash dividends to net income (ytd only)* | 26.0870% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7947% | 714 |
| Loan loss allowance to noncurrent loans | 275.0000% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.2312% | 3,540 |
| Noncurrent loans to loans | 0.6526% | 2,357 |
| Net loans and leases to total assets | 34.7936% | 4,817 |
| Net loans and leases to deposits | 39.8921% | 4,837 |
| Net loans and leases to core deposits | 48.7082% | 4,705 |
| Total domestic deposits to total assets | 87.2192% | 1,458 |
| Equity capital to assets | 12.6094% | 1,670 |
| Core capital (leverage) ratio | 12.6925% | 1,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,206,500 | 4,754 |
| Average earning assets | $44,851,500 | 4,725 |
| Average equity | $6,151,000 | 4,700 |
| Average total loans | $16,982,000 | 4,869 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8126% | 4,550 |
| Cost of funding earning assets | 0.2581% | 4,830 |
| Net interest margin | 3.5546% | 3,274 |
| Noninterest income to average assets | 0.5416% | 2,527 |
| Noninterest expense to average assets | 3.4044% | 1,110 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.4615% | 4,484 |
| Return on assets (ROA) | 0.5254% | 4,395 |
| Pretax return on assets | 0.5878% | 4,430 |
| Return on Equity (ROE) | 3.8043% | 4,516 |
| Retained earnings to average equity (ytd only) | 2.9663% | 3,552 |
| Net charge-offs to loans | -0.0556% | 4,839 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8359% | 493 |
| Assets per employee ($millions) | 3.2838% | 4,657 |
| Cash dividends to net income (ytd only)* | 22.0264% | 3,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7438% | 729 |
| Loan loss allowance to noncurrent loans | 206.3380% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.3089% | 3,189 |
| Noncurrent loans to loans | 0.8451% | 1,821 |
| Net loans and leases to total assets | 35.9102% | 4,841 |
| Net loans and leases to deposits | 41.6400% | 4,875 |
| Net loans and leases to core deposits | 51.5616% | 4,723 |
| Total domestic deposits to total assets | 86.2397% | 1,961 |
| Equity capital to assets | 13.4731% | 1,284 |
| Core capital (leverage) ratio | 13.3222% | 1,107 |
| Tier 1 risk-based capital ratio | 28.3387% | 542 |
| Total risk-based capital ratio | 29.5901% | 532 |
| Memoranda: | ||
| Average total assets | $43,209,000 | 4,854 |
| Average earning assets | $41,073,800 | 4,828 |
| Average equity | $5,967,000 | 4,760 |
| Average total loans | $16,197,600 | 4,944 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8072% | 4,672 |
| Cost of funding earning assets | 0.2373% | 4,955 |
| Net interest margin | 3.5699% | 3,330 |
| Noninterest income to average assets | 0.5582% | 2,418 |
| Noninterest expense to average assets | 3.2080% | 1,454 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7463% | 3,860 |
| Return on assets (ROA) | 0.7840% | 3,793 |
| Pretax return on assets | 0.7840% | 4,161 |
| Return on Equity (ROE) | 5.6399% | 4,154 |
| Retained earnings to average equity (ytd only) | 4.5118% | 3,137 |
| Net charge-offs to loans | 0.0332% | 2,407 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 59.5366% | 1,062 |
| Efficiency ratio | 81.1261% | 820 |
| Assets per employee ($millions) | 3.2059% | 4,749 |
| Cash dividends to net income (ytd only)* | 20.0012% | 3,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6865% | 845 |
| Loan loss allowance to noncurrent loans | 193.1034% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.3231% | 3,255 |
| Noncurrent loans to loans | 0.8734% | 1,835 |
| Net loans and leases to total assets | 36.3657% | 4,923 |
| Net loans and leases to deposits | 42.3838% | 4,950 |
| Net loans and leases to core deposits | 45.7956% | 4,925 |
| Total domestic deposits to total assets | 85.8009% | 2,081 |
| Equity capital to assets | 13.9162% | 1,184 |
| Core capital (leverage) ratio | 14.8163% | 782 |
| Tier 1 risk-based capital ratio | 28.5387% | 539 |
| Total risk-based capital ratio | 29.7851% | 530 |
| Memoranda: | ||
| Average total assets | $42,518,000 | 4,931 |
| Average earning assets | $40,448,250 | 4,906 |
| Average equity | $5,910,250 | 4,832 |
| Average total loans | $16,046,500 | 5,022 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9142% | 4,527 |
| Cost of funding earning assets | 0.2421% | 4,975 |
| Net interest margin | 3.6721% | 3,022 |
| Noninterest income to average assets | 0.5799% | 2,244 |
| Noninterest expense to average assets | 3.3597% | 1,172 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7093% | 3,977 |
| Return on assets (ROA) | 0.7093% | 4,031 |
| Pretax return on assets | 0.7093% | 4,307 |
| Return on Equity (ROE) | 5.1049% | 4,322 |
| Retained earnings to average equity (ytd only) | 4.0701% | 3,212 |
| Net charge-offs to loans | 0.1009% | 1,373 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 18.5000% | 1,860 |
| Efficiency ratio | 82.5677% | 763 |
| Assets per employee ($millions) | 2.9255% | 4,948 |
| Cash dividends to net income (ytd only)* | 20.2703% | 3,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6653% | 883 |
| Loan loss allowance to noncurrent loans | 296.7742% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.2271% | 3,667 |
| Noncurrent loans to loans | 0.5611% | 2,584 |
| Net loans and leases to total assets | 39.7930% | 4,851 |
| Net loans and leases to deposits | 47.9240% | 4,846 |
| Net loans and leases to core deposits | 52.3244% | 4,813 |
| Total domestic deposits to total assets | 83.0334% | 3,191 |
| Equity capital to assets | 14.9816% | 815 |
| Core capital (leverage) ratio | 14.1079% | 931 |
| Tier 1 risk-based capital ratio | 29.6877% | 490 |
| Total risk-based capital ratio | 30.9370% | 486 |
| Memoranda: | ||
| Average total assets | $41,729,670 | 4,981 |
| Average earning assets | $39,650,000 | 4,960 |
| Average equity | $5,798,330 | 4,877 |
| Average total loans | $15,861,330 | 5,071 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8362% | 4,649 |
| Cost of funding earning assets | 0.2198% | 5,069 |
| Net interest margin | 3.6164% | 3,199 |
| Noninterest income to average assets | 0.5604% | 2,226 |
| Noninterest expense to average assets | 3.1532% | 1,609 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8453% | 3,469 |
| Return on assets (ROA) | 0.8453% | 3,509 |
| Pretax return on assets | 0.8453% | 3,930 |
| Return on Equity (ROE) | 6.3238% | 3,906 |
| Retained earnings to average equity (ytd only) | 4.1922% | 3,243 |
| Net charge-offs to loans | 0.4386% | 346 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 5.2353% | 2,270 |
| Efficiency ratio | 78.8599% | 1,175 |
| Assets per employee ($millions) | 2.8670% | 5,044 |
| Cash dividends to net income (ytd only)* | 33.7079% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6741% | 910 |
| Loan loss allowance to noncurrent loans | 269.6970% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.2302% | 3,701 |
| Noncurrent loans to loans | 0.6207% | 2,466 |
| Net loans and leases to total assets | 36.4655% | 5,002 |
| Net loans and leases to deposits | 42.2456% | 5,035 |
| Net loans and leases to core deposits | 45.7615% | 4,997 |
| Total domestic deposits to total assets | 86.3179% | 2,135 |
| Equity capital to assets | 13.4217% | 1,239 |
| Core capital (leverage) ratio | 13.6126% | 1,056 |
| Tier 1 risk-based capital ratio | 27.2889% | 603 |
| Total risk-based capital ratio | 28.5380% | 590 |
| Memoranda: | ||
| Average total assets | $42,116,000 | 5,032 |
| Average earning assets | $40,039,500 | 5,004 |
| Average equity | $5,629,500 | 4,942 |
| Average total loans | $15,505,000 | 5,139 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7202% | 4,639 |
| Cost of funding earning assets | 0.2263% | 4,900 |
| Net interest margin | 3.4939% | 3,723 |
| Noninterest income to average assets | 0.5478% | 2,559 |
| Noninterest expense to average assets | 3.3527% | 1,221 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.4514% | 4,765 |
| Return on assets (ROA) | 0.4514% | 4,762 |
| Pretax return on assets | 0.4984% | 4,798 |
| Return on Equity (ROE) | 3.5610% | 4,805 |
| Retained earnings to average equity (ytd only) | 2.6336% | 4,087 |
| Net charge-offs to loans | -0.2173% | 5,277 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0574% | 475 |
| Assets per employee ($millions) | 2.7485% | 5,117 |
| Cash dividends to net income (ytd only)* | 26.0417% | 3,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8857% | 586 |
| Loan loss allowance to noncurrent loans | 238.6555% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.2886% | 3,425 |
| Noncurrent loans to loans | 0.7901% | 2,031 |
| Net loans and leases to total assets | 35.8430% | 5,070 |
| Net loans and leases to deposits | 41.5131% | 5,093 |
| Net loans and leases to core deposits | 45.1220% | 5,056 |
| Total domestic deposits to total assets | 86.3415% | 2,074 |
| Equity capital to assets | 13.3092% | 1,217 |
| Core capital (leverage) ratio | 14.2709% | 848 |
| Tier 1 risk-based capital ratio | 29.4793% | 489 |
| Total risk-based capital ratio | 30.7300% | 483 |
| Memoranda: | ||
| Average total assets | $42,532,600 | 5,066 |
| Average earning assets | $40,213,400 | 5,043 |
| Average equity | $5,391,800 | 4,987 |
| Average total loans | $15,188,400 | 5,192 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7313% | 4,590 |
| Cost of funding earning assets | 0.2208% | 4,936 |
| Net interest margin | 3.5104% | 3,656 |
| Noninterest income to average assets | 0.5164% | 2,767 |
| Noninterest expense to average assets | 3.2727% | 1,365 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5568% | 4,627 |
| Return on assets (ROA) | 0.5568% | 4,635 |
| Pretax return on assets | 0.5568% | 4,808 |
| Return on Equity (ROE) | 4.4460% | 4,708 |
| Retained earnings to average equity (ytd only) | 3.2042% | 4,140 |
| Net charge-offs to loans | -0.4731% | 5,394 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4590% | 548 |
| Assets per employee ($millions) | 2.7149% | 5,205 |
| Cash dividends to net income (ytd only)* | 27.9351% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0386% | 456 |
| Loan loss allowance to noncurrent loans | 3,050.0000% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0246% | 4,862 |
| Noncurrent loans to loans | 0.0668% | 4,582 |
| Net loans and leases to total assets | 35.9886% | 5,142 |
| Net loans and leases to deposits | 41.5349% | 5,166 |
| Net loans and leases to core deposits | 45.2471% | 5,131 |
| Total domestic deposits to total assets | 86.6467% | 1,896 |
| Equity capital to assets | 13.0586% | 1,310 |
| Core capital (leverage) ratio | 13.5426% | 1,089 |
| Tier 1 risk-based capital ratio | 29.0842% | 517 |
| Total risk-based capital ratio | 30.3335% | 509 |
| Memoranda: | ||
| Average total assets | $42,859,000 | 5,126 |
| Average earning assets | $40,450,250 | 5,102 |
| Average equity | $5,368,000 | 5,048 |
| Average total loans | $15,220,250 | 5,253 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6286% | 4,720 |
| Cost of funding earning assets | 0.2186% | 4,930 |
| Net interest margin | 3.4100% | 3,921 |
| Noninterest income to average assets | 0.4590% | 3,098 |
| Noninterest expense to average assets | 3.2545% | 1,425 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4269% | 4,909 |
| Return on assets (ROA) | 0.4269% | 4,914 |
| Pretax return on assets | 0.4269% | 5,018 |
| Return on Equity (ROE) | 3.4543% | 4,936 |
| Retained earnings to average equity (ytd only) | 2.3028% | 4,355 |
| Net charge-offs to loans | -0.7578% | 5,476 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4040% | 439 |
| Assets per employee ($millions) | 2.6976% | 5,266 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0285% | 494 |
| Loan loss allowance to noncurrent loans | 161.7801% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 0.4425% | 2,961 |
| Noncurrent loans to loans | 1.2539% | 1,370 |
| Net loans and leases to total assets | 34.5775% | 5,221 |
| Net loans and leases to deposits | 39.5652% | 5,256 |
| Net loans and leases to core deposits | 43.1629% | 5,211 |
| Total domestic deposits to total assets | 87.3937% | 1,687 |
| Equity capital to assets | 12.3653% | 1,620 |
| Core capital (leverage) ratio | 12.8951% | 1,274 |
| Tier 1 risk-based capital ratio | 30.3298% | 462 |
| Total risk-based capital ratio | 31.5832% | 458 |
| Memoranda: | ||
| Average total assets | $43,570,670 | 5,173 |
| Average earning assets | $41,173,000 | 5,149 |
| Average equity | $5,384,670 | 5,095 |
| Average total loans | $15,306,670 | 5,311 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6119% | 4,679 |
| Cost of funding earning assets | 0.2028% | 4,999 |
| Net interest margin | 3.4091% | 3,853 |
| Noninterest income to average assets | 0.3290% | 3,951 |
| Noninterest expense to average assets | 3.1616% | 1,661 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3929% | 4,938 |
| Return on assets (ROA) | 0.3929% | 4,945 |
| Pretax return on assets | 0.3929% | 5,046 |
| Return on Equity (ROE) | 3.1802% | 4,977 |
| Retained earnings to average equity (ytd only) | 0.8875% | 4,653 |
| Net charge-offs to loans | -1.4599% | 5,552 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9460% | 490 |
| Assets per employee ($millions) | 2.7666% | 5,301 |
| Cash dividends to net income (ytd only)* | 72.0930% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0217% | 521 |
| Loan loss allowance to noncurrent loans | 151.9802% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 0.4563% | 3,014 |
| Noncurrent loans to loans | 1.3303% | 1,340 |
| Net loans and leases to total assets | 33.6112% | 5,283 |
| Net loans and leases to deposits | 38.2753% | 5,312 |
| Net loans and leases to core deposits | 41.9477% | 5,268 |
| Total domestic deposits to total assets | 87.8143% | 1,721 |
| Equity capital to assets | 11.9666% | 1,815 |
| Core capital (leverage) ratio | 12.6297% | 1,330 |
| Tier 1 risk-based capital ratio | 27.2572% | 601 |
| Total risk-based capital ratio | 28.5059% | 593 |
| Memoranda: | ||
| Average total assets | $43,775,500 | 5,226 |
| Average earning assets | $41,418,500 | 5,202 |
| Average equity | $5,408,500 | 5,149 |
| Average total loans | $15,343,500 | 5,371 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5089% | 4,775 |
| Cost of funding earning assets | 0.2226% | 4,770 |
| Net interest margin | 3.2863% | 4,197 |
| Noninterest income to average assets | 0.5318% | 2,812 |
| Noninterest expense to average assets | 3.2512% | 1,496 |
| Loan and lease loss provision to assets | -0.1300% | 5,515 |
| Net operating income to assets | 0.0672% | 5,288 |
| Return on assets (ROA) | 0.0627% | 5,298 |
| Pretax return on assets | 0.4900% | 4,945 |
| Return on Equity (ROE) | 0.4825% | 5,313 |
| Retained earnings to average equity (ytd only) | -0.4110% | 5,104 |
| Net charge-offs to loans | 0.1030% | 2,035 |
| Credit loss provision to net charge-offs | -350.0000% | 4,892 |
| Earnings coverage of net charge-offs (x) | 9.8750% | 2,737 |
| Efficiency ratio | 89.8588% | 439 |
| Assets per employee ($millions) | 2.7054% | 5,381 |
| Cash dividends to net income (ytd only)* | 185.1852% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6191% | 1,099 |
| Loan loss allowance to noncurrent loans | 1,930.7692% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.2033% | 4,118 |
| Noncurrent loans to loans | 0.0839% | 4,628 |
| Net loans and leases to total assets | 35.2331% | 5,309 |
| Net loans and leases to deposits | 40.5558% | 5,329 |
| Net loans and leases to core deposits | 44.6301% | 5,279 |
| Total domestic deposits to total assets | 86.8757% | 2,054 |
| Equity capital to assets | 12.7524% | 1,379 |
| Core capital (leverage) ratio | 13.0990% | 1,112 |
| Tier 1 risk-based capital ratio | 27.3830% | 574 |
| Total risk-based capital ratio | 28.6156% | 566 |
| Memoranda: | ||
| Average total assets | $43,060,800 | 5,290 |
| Average earning assets | $40,440,200 | 5,268 |
| Average equity | $5,596,400 | 5,166 |
| Average total loans | $15,530,200 | 5,430 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5253% | 4,756 |
| Cost of funding earning assets | 0.2214% | 4,798 |
| Net interest margin | 3.3039% | 4,163 |
| Noninterest income to average assets | 0.4682% | 3,226 |
| Noninterest expense to average assets | 3.1965% | 1,567 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3721% | 5,064 |
| Return on assets (ROA) | 0.3628% | 5,096 |
| Pretax return on assets | 0.3628% | 5,240 |
| Return on Equity (ROE) | 2.7780% | 5,163 |
| Retained earnings to average equity (ytd only) | 1.5908% | 4,793 |
| Net charge-offs to loans | 0.1545% | 1,315 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 6.6667% | 2,958 |
| Efficiency ratio | 89.5743% | 427 |
| Assets per employee ($millions) | 2.8421% | 5,365 |
| Cash dividends to net income (ytd only)* | 42.7372% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9957% | 572 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1759% | 4,402 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 35.1341% | 5,381 |
| Net loans and leases to deposits | 40.7066% | 5,399 |
| Net loans and leases to core deposits | 45.5896% | 5,324 |
| Total domestic deposits to total assets | 86.3104% | 2,172 |
| Equity capital to assets | 13.3729% | 1,218 |
| Core capital (leverage) ratio | 13.2487% | 1,118 |
| Tier 1 risk-based capital ratio | 28.0659% | 563 |
| Total risk-based capital ratio | 29.3196% | 550 |
| Memoranda: | ||
| Average total assets | $43,004,500 | 5,347 |
| Average earning assets | $40,354,750 | 5,321 |
| Average equity | $5,615,500 | 5,219 |
| Average total loans | $15,537,250 | 5,488 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4996% | 4,766 |
| Cost of funding earning assets | 0.2172% | 4,822 |
| Net interest margin | 3.2824% | 4,159 |
| Noninterest income to average assets | 0.4452% | 3,385 |
| Noninterest expense to average assets | 3.2275% | 1,522 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3014% | 5,213 |
| Return on assets (ROA) | 0.3014% | 5,233 |
| Pretax return on assets | 0.3014% | 5,334 |
| Return on Equity (ROE) | 2.3268% | 5,275 |
| Retained earnings to average equity (ytd only) | 1.2529% | 4,746 |
| Net charge-offs to loans | -0.0512% | 5,182 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4586% | 381 |
| Assets per employee ($millions) | 2.8929% | 5,364 |
| Cash dividends to net income (ytd only)* | 46.1538% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0669% | 536 |
| Loan loss allowance to noncurrent loans | 333.6735% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.2258% | 4,247 |
| Noncurrent loans to loans | 0.6194% | 2,877 |
| Net loans and leases to total assets | 35.7062% | 5,388 |
| Net loans and leases to deposits | 41.2447% | 5,415 |
| Net loans and leases to core deposits | 45.7239% | 5,347 |
| Total domestic deposits to total assets | 86.5716% | 2,143 |
| Equity capital to assets | 13.1335% | 1,310 |
| Core capital (leverage) ratio | 12.9127% | 1,208 |
| Tier 1 risk-based capital ratio | 27.2880% | 592 |
| Total risk-based capital ratio | 28.5439% | 580 |
| Memoranda: | ||
| Average total assets | $43,129,000 | 5,389 |
| Average earning assets | $40,519,330 | 5,361 |
| Average equity | $5,587,000 | 5,256 |
| Average total loans | $15,622,000 | 5,535 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5536% | 4,537 |
| Cost of funding earning assets | 0.2090% | 4,895 |
| Net interest margin | 3.3445% | 3,864 |
| Noninterest income to average assets | 0.4465% | 3,333 |
| Noninterest expense to average assets | 3.1630% | 1,709 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4093% | 4,921 |
| Return on assets (ROA) | 0.4093% | 4,944 |
| Pretax return on assets | 0.4093% | 5,146 |
| Return on Equity (ROE) | 3.1821% | 5,049 |
| Retained earnings to average equity (ytd only) | 1.0125% | 4,657 |
| Net charge-offs to loans | -0.0515% | 5,199 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5417% | 632 |
| Assets per employee ($millions) | 2.9463% | 5,396 |
| Cash dividends to net income (ytd only)* | 68.1818% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0533% | 605 |
| Loan loss allowance to noncurrent loans | 2,708.3333% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.0272% | 5,210 |
| Noncurrent loans to loans | 0.0758% | 4,897 |
| Net loans and leases to total assets | 35.0794% | 5,438 |
| Net loans and leases to deposits | 40.2299% | 5,465 |
| Net loans and leases to core deposits | 44.4683% | 5,401 |
| Total domestic deposits to total assets | 87.1974% | 2,109 |
| Equity capital to assets | 12.5470% | 1,500 |
| Core capital (leverage) ratio | 12.6164% | 1,284 |
| Tier 1 risk-based capital ratio | 26.7214% | 646 |
| Total risk-based capital ratio | 27.9751% | 632 |
| Memoranda: | ||
| Average total assets | $42,997,000 | 5,447 |
| Average earning assets | $40,185,000 | 5,427 |
| Average equity | $5,531,000 | 5,318 |
| Average total loans | $15,522,500 | 5,602 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4587% | 4,875 |
| Cost of funding earning assets | 0.2414% | 4,643 |
| Net interest margin | 3.2173% | 4,391 |
| Noninterest income to average assets | 0.4832% | 3,332 |
| Noninterest expense to average assets | 3.3489% | 1,469 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.1865% | 5,442 |
| Return on assets (ROA) | 0.2922% | 5,307 |
| Pretax return on assets | 0.2652% | 5,413 |
| Return on Equity (ROE) | 2.2715% | 5,337 |
| Retained earnings to average equity (ytd only) | 1.5725% | 4,628 |
| Net charge-offs to loans | 0.3682% | 737 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 1.2034% | 4,023 |
| Efficiency ratio | 95.4516% | 329 |
| Assets per employee ($millions) | 2.7867% | 5,499 |
| Cash dividends to net income (ytd only)* | 30.7692% | 3,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1226% | 529 |
| Loan loss allowance to noncurrent loans | 520.9677% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.1962% | 4,536 |
| Noncurrent loans to loans | 0.4074% | 3,689 |
| Net loans and leases to total assets | 35.6316% | 5,496 |
| Net loans and leases to deposits | 41.2416% | 5,510 |
| Net loans and leases to core deposits | 46.0231% | 5,431 |
| Total domestic deposits to total assets | 86.3971% | 2,416 |
| Equity capital to assets | 13.1986% | 1,174 |
| Core capital (leverage) ratio | 13.3722% | 1,013 |
| Tier 1 risk-based capital ratio | 27.8342% | 576 |
| Total risk-based capital ratio | 29.0927% | 563 |
| Memoranda: | ||
| Average total assets | $44,492,400 | 5,454 |
| Average earning assets | $41,836,600 | 5,425 |
| Average equity | $5,723,200 | 5,330 |
| Average total loans | $16,023,400 | 5,641 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5024% | 4,795 |
| Cost of funding earning assets | 0.2535% | 4,571 |
| Net interest margin | 3.2489% | 4,348 |
| Noninterest income to average assets | 0.4782% | 3,390 |
| Noninterest expense to average assets | 3.2531% | 1,667 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.2893% | 5,305 |
| Return on assets (ROA) | 0.3779% | 5,185 |
| Pretax return on assets | 0.3779% | 5,344 |
| Return on Equity (ROE) | 2.9553% | 5,231 |
| Retained earnings to average equity (ytd only) | 2.0318% | 4,674 |
| Net charge-offs to loans | 0.2301% | 1,023 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 3.5001% | 3,409 |
| Efficiency ratio | 91.8333% | 473 |
| Assets per employee ($millions) | 2.8038% | 5,548 |
| Cash dividends to net income (ytd only)* | 31.2493% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2917% | 444 |
| Loan loss allowance to noncurrent loans | 931.5789% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.0904% | 5,081 |
| Noncurrent loans to loans | 0.2460% | 4,388 |
| Net loans and leases to total assets | 35.8870% | 5,556 |
| Net loans and leases to deposits | 41.8506% | 5,583 |
| Net loans and leases to core deposits | 46.7768% | 5,483 |
| Total domestic deposits to total assets | 85.7503% | 2,482 |
| Equity capital to assets | 13.8978% | 1,079 |
| Core capital (leverage) ratio | 13.0348% | 1,180 |
| Tier 1 risk-based capital ratio | 28.1773% | 573 |
| Total risk-based capital ratio | 29.4365% | 559 |
| Memoranda: | ||
| Average total assets | $45,165,500 | 5,492 |
| Average earning assets | $42,598,250 | 5,468 |
| Average equity | $5,774,750 | 5,375 |
| Average total loans | $16,225,000 | 5,694 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4772% | 4,930 |
| Cost of funding earning assets | 0.2618% | 4,531 |
| Net interest margin | 3.2154% | 4,495 |
| Noninterest income to average assets | 0.4242% | 3,704 |
| Noninterest expense to average assets | 3.1860% | 1,844 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2684% | 5,397 |
| Return on assets (ROA) | 0.2944% | 5,428 |
| Pretax return on assets | 0.2944% | 5,503 |
| Return on Equity (ROE) | 2.3647% | 5,420 |
| Retained earnings to average equity (ytd only) | 1.6692% | 4,716 |
| Net charge-offs to loans | 0.3397% | 694 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 2.2143% | 3,311 |
| Efficiency ratio | 92.2306% | 485 |
| Assets per employee ($millions) | 2.9572% | 5,472 |
| Cash dividends to net income (ytd only)* | 29.4118% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1848% | 556 |
| Loan loss allowance to noncurrent loans | 327.7778% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.2435% | 4,522 |
| Noncurrent loans to loans | 0.6665% | 3,071 |
| Net loans and leases to total assets | 35.7297% | 5,619 |
| Net loans and leases to deposits | 41.3111% | 5,646 |
| Net loans and leases to core deposits | 45.8368% | 5,570 |
| Total domestic deposits to total assets | 86.4895% | 2,178 |
| Equity capital to assets | 13.2107% | 1,384 |
| Core capital (leverage) ratio | 11.9902% | 1,636 |
| Tier 1 risk-based capital ratio | 26.4073% | 701 |
| Total risk-based capital ratio | 27.6685% | 681 |
| Memoranda: | ||
| Average total assets | $46,201,670 | 5,539 |
| Average earning assets | $43,540,330 | 5,504 |
| Average equity | $5,751,330 | 5,436 |
| Average total loans | $16,484,330 | 5,753 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4645% | 4,973 |
| Cost of funding earning assets | 0.2790% | 4,404 |
| Net interest margin | 3.1855% | 4,625 |
| Noninterest income to average assets | 0.2971% | 4,601 |
| Noninterest expense to average assets | 3.1916% | 1,849 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1103% | 5,664 |
| Return on assets (ROA) | 0.1613% | 5,653 |
| Pretax return on assets | 0.1613% | 5,682 |
| Return on Equity (ROE) | 1.3340% | 5,640 |
| Retained earnings to average equity (ytd only) | -0.0702% | 5,119 |
| Net charge-offs to loans | -0.0481% | 5,306 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6581% | 383 |
| Assets per employee ($millions) | 3.2097% | 5,268 |
| Cash dividends to net income (ytd only)* | 105.2632% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3283% | 492 |
| Loan loss allowance to noncurrent loans | 355.5556% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.6480% | 3,111 |
| Noncurrent loans to loans | 0.6548% | 3,209 |
| Net loans and leases to total assets | 33.4586% | 5,735 |
| Net loans and leases to deposits | 38.1098% | 5,772 |
| Net loans and leases to core deposits | 42.9127% | 5,690 |
| Total domestic deposits to total assets | 87.7955% | 1,752 |
| Equity capital to assets | 11.9138% | 2,081 |
| Core capital (leverage) ratio | 11.4319% | 2,020 |
| Tier 1 risk-based capital ratio | 24.8167% | 833 |
| Total risk-based capital ratio | 26.0768% | 813 |
| Memoranda: | ||
| Average total assets | $47,123,500 | 5,575 |
| Average earning assets | $44,451,500 | 5,544 |
| Average equity | $5,697,000 | 5,475 |
| Average total loans | $16,625,000 | 5,803 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5995% | 4,678 |
| Cost of funding earning assets | 0.2912% | 4,353 |
| Net interest margin | 3.3082% | 4,267 |
| Noninterest income to average assets | 0.4275% | 3,833 |
| Noninterest expense to average assets | 3.2927% | 1,735 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3135% | 5,324 |
| Return on assets (ROA) | 0.3836% | 5,185 |
| Pretax return on assets | 0.3179% | 5,487 |
| Return on Equity (ROE) | 3.1350% | 5,257 |
| Retained earnings to average equity (ytd only) | 2.1497% | 4,493 |
| Net charge-offs to loans | 0.4014% | 710 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 1.6618% | 4,051 |
| Efficiency ratio | 93.0031% | 530 |
| Assets per employee ($millions) | 3.0734% | 5,452 |
| Cash dividends to net income (ytd only)* | 31.4286% | 3,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2796% | 533 |
| Loan loss allowance to noncurrent loans | 385.8586% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.7071% | 2,928 |
| Noncurrent loans to loans | 0.5908% | 3,397 |
| Net loans and leases to total assets | 35.5198% | 5,725 |
| Net loans and leases to deposits | 40.6883% | 5,751 |
| Net loans and leases to core deposits | 46.7603% | 5,614 |
| Total domestic deposits to total assets | 87.2975% | 1,986 |
| Equity capital to assets | 12.2731% | 1,762 |
| Core capital (leverage) ratio | 12.2862% | 1,460 |
| Tier 1 risk-based capital ratio | 25.0857% | 809 |
| Total risk-based capital ratio | 26.3499% | 795 |
| Memoranda: | ||
| Average total assets | $45,616,600 | 5,641 |
| Average earning assets | $42,923,200 | 5,611 |
| Average equity | $5,582,200 | 5,525 |
| Average total loans | $16,939,000 | 5,830 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6038% | 4,729 |
| Cost of funding earning assets | 0.2928% | 4,422 |
| Net interest margin | 3.3110% | 4,295 |
| Noninterest income to average assets | 0.4660% | 3,592 |
| Noninterest expense to average assets | 3.3028% | 1,683 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2784% | 5,518 |
| Return on assets (ROA) | 0.2784% | 5,593 |
| Pretax return on assets | 0.2784% | 5,672 |
| Return on Equity (ROE) | 2.2767% | 5,613 |
| Retained earnings to average equity (ytd only) | 0.9827% | 5,325 |
| Net charge-offs to loans | 0.1962% | 1,303 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 3.8002% | 3,452 |
| Efficiency ratio | 92.2259% | 559 |
| Assets per employee ($millions) | 2.9263% | 5,623 |
| Cash dividends to net income (ytd only)* | 56.8451% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5077% | 432 |
| Loan loss allowance to noncurrent loans | 203.3493% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.9751% | 2,408 |
| Noncurrent loans to loans | 1.2332% | 2,071 |
| Net loans and leases to total assets | 37.6421% | 5,721 |
| Net loans and leases to deposits | 43.3834% | 5,744 |
| Net loans and leases to core deposits | 50.3904% | 5,563 |
| Total domestic deposits to total assets | 86.7661% | 2,157 |
| Equity capital to assets | 12.8329% | 1,543 |
| Core capital (leverage) ratio | 11.9861% | 1,681 |
| Tier 1 risk-based capital ratio | 25.1781% | 836 |
| Total risk-based capital ratio | 26.4433% | 822 |
| Memoranda: | ||
| Average total assets | $45,495,500 | 5,718 |
| Average earning assets | $42,806,000 | 5,685 |
| Average equity | $5,563,250 | 5,597 |
| Average total loans | $16,984,500 | 5,901 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5507% | 4,857 |
| Cost of funding earning assets | 0.2855% | 4,555 |
| Net interest margin | 3.2652% | 4,437 |
| Noninterest income to average assets | 0.4519% | 3,692 |
| Noninterest expense to average assets | 3.1502% | 2,119 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3824% | 5,196 |
| Return on assets (ROA) | 0.3824% | 5,306 |
| Pretax return on assets | 0.3824% | 5,508 |
| Return on Equity (ROE) | 3.1769% | 5,350 |
| Retained earnings to average equity (ytd only) | 1.9134% | 4,742 |
| Net charge-offs to loans | 0.2589% | 1,003 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 3,102 |
| Efficiency ratio | 89.1759% | 813 |
| Assets per employee ($millions) | 3.1141% | 5,447 |
| Cash dividends to net income (ytd only)* | 39.7727% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4758% | 500 |
| Loan loss allowance to noncurrent loans | 1,097.4359% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.5523% | 3,770 |
| Noncurrent loans to loans | 0.2256% | 4,877 |
| Net loans and leases to total assets | 36.0914% | 5,815 |
| Net loans and leases to deposits | 41.1516% | 5,871 |
| Net loans and leases to core deposits | 47.2479% | 5,712 |
| Total domestic deposits to total assets | 87.7034% | 1,788 |
| Equity capital to assets | 11.9520% | 2,067 |
| Core capital (leverage) ratio | 11.5253% | 1,973 |
| Tier 1 risk-based capital ratio | 26.0382% | 777 |
| Total risk-based capital ratio | 27.3048% | 762 |
| Memoranda: | ||
| Average total assets | $46,029,000 | 5,766 |
| Average earning assets | $43,428,000 | 5,726 |
| Average equity | $5,540,000 | 5,652 |
| Average total loans | $16,996,670 | 5,962 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5334% | 4,877 |
| Cost of funding earning assets | 0.2597% | 4,909 |
| Net interest margin | 3.2737% | 4,330 |
| Noninterest income to average assets | 0.4465% | 3,657 |
| Noninterest expense to average assets | 3.2131% | 1,955 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3239% | 5,327 |
| Return on assets (ROA) | 0.3239% | 5,436 |
| Pretax return on assets | 0.3239% | 5,594 |
| Return on Equity (ROE) | 2.6819% | 5,480 |
| Retained earnings to average equity (ytd only) | 0.1450% | 5,325 |
| Net charge-offs to loans | 0.4510% | 548 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1.9474% | 2,843 |
| Efficiency ratio | 90.8416% | 792 |
| Assets per employee ($millions) | 2.8315% | 5,852 |
| Cash dividends to net income (ytd only)* | 94.5946% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5325% | 507 |
| Loan loss allowance to noncurrent loans | 1,077.5000% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.5381% | 3,884 |
| Noncurrent loans to loans | 0.2350% | 4,932 |
| Net loans and leases to total assets | 34.4614% | 5,904 |
| Net loans and leases to deposits | 39.2161% | 5,941 |
| Net loans and leases to core deposits | 42.8409% | 5,871 |
| Total domestic deposits to total assets | 87.8758% | 1,898 |
| Equity capital to assets | 11.6360% | 2,348 |
| Core capital (leverage) ratio | 11.3758% | 2,101 |
| Tier 1 risk-based capital ratio | 23.6848% | 1,027 |
| Total risk-based capital ratio | 24.9412% | 1,015 |
| Memoranda: | ||
| Average total assets | $45,687,500 | 5,828 |
| Average earning assets | $43,131,500 | 5,784 |
| Average equity | $5,518,500 | 5,714 |
| Average total loans | $16,851,500 | 6,023 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8956% | 4,132 |
| Cost of funding earning assets | 0.2721% | 5,071 |
| Net interest margin | 3.6235% | 3,325 |
| Noninterest income to average assets | 0.5245% | 3,328 |
| Noninterest expense to average assets | 3.3449% | 1,813 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5324% | 4,673 |
| Return on assets (ROA) | 0.5705% | 4,589 |
| Pretax return on assets | 0.6211% | 4,869 |
| Return on Equity (ROE) | 4.8513% | 4,738 |
| Retained earnings to average equity (ytd only) | 3.7950% | 3,515 |
| Net charge-offs to loans | -0.1493% | 6,211 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2286% | 1,261 |
| Assets per employee ($millions) | 2.8827% | 5,851 |
| Cash dividends to net income (ytd only)* | 21.7742% | 3,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6972% | 425 |
| Loan loss allowance to noncurrent loans | 391.3043% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.5643% | 3,916 |
| Noncurrent loans to loans | 0.6893% | 3,616 |
| Net loans and leases to total assets | 37.5439% | 5,878 |
| Net loans and leases to deposits | 43.2837% | 5,911 |
| Net loans and leases to core deposits | 48.2007% | 5,805 |
| Total domestic deposits to total assets | 86.7391% | 2,427 |
| Equity capital to assets | 12.5717% | 1,604 |
| Core capital (leverage) ratio | 12.7519% | 1,225 |
| Tier 1 risk-based capital ratio | 26.0845% | 757 |
| Total risk-based capital ratio | 27.3441% | 739 |
| Memoranda: | ||
| Average total assets | $43,468,800 | 5,943 |
| Average earning assets | $40,789,800 | 5,899 |
| Average equity | $5,112,000 | 5,828 |
| Average total loans | $16,746,200 | 6,095 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9346% | 4,035 |
| Cost of funding earning assets | 0.2677% | 5,229 |
| Net interest margin | 3.6669% | 3,165 |
| Noninterest income to average assets | 0.5361% | 3,283 |
| Noninterest expense to average assets | 3.4063% | 1,645 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5698% | 4,595 |
| Return on assets (ROA) | 0.6249% | 4,430 |
| Pretax return on assets | 0.6249% | 4,949 |
| Return on Equity (ROE) | 5.4063% | 4,531 |
| Retained earnings to average equity (ytd only) | 3.9754% | 3,821 |
| Net charge-offs to loans | -0.0398% | 5,831 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6703% | 1,214 |
| Assets per employee ($millions) | 2.8417% | 5,922 |
| Cash dividends to net income (ytd only)* | 26.4716% | 2,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4990% | 652 |
| Loan loss allowance to noncurrent loans | 176.2295% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 0.5724% | 4,132 |
| Noncurrent loans to loans | 1.4180% | 2,292 |
| Net loans and leases to total assets | 39.3586% | 5,851 |
| Net loans and leases to deposits | 45.3481% | 5,914 |
| Net loans and leases to core deposits | 50.5727% | 5,763 |
| Total domestic deposits to total assets | 86.7921% | 2,423 |
| Equity capital to assets | 12.4103% | 1,763 |
| Core capital (leverage) ratio | 12.7089% | 1,300 |
| Tier 1 risk-based capital ratio | 25.4495% | 837 |
| Total risk-based capital ratio | 26.7067% | 826 |
| Memoranda: | ||
| Average total assets | $43,526,000 | 6,010 |
| Average earning assets | $40,833,000 | 5,967 |
| Average equity | $5,031,000 | 5,910 |
| Average total loans | $16,761,750 | 6,158 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8847% | 4,196 |
| Cost of funding earning assets | 0.2667% | 5,321 |
| Net interest margin | 3.6180% | 3,290 |
| Noninterest income to average assets | 0.5431% | 3,186 |
| Noninterest expense to average assets | 3.2994% | 1,928 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6480% | 4,109 |
| Return on assets (ROA) | 0.6480% | 4,212 |
| Pretax return on assets | 0.6480% | 4,794 |
| Return on Equity (ROE) | 5.7436% | 4,311 |
| Retained earnings to average equity (ytd only) | 4.5301% | 3,297 |
| Net charge-offs to loans | -0.1445% | 6,253 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5838% | 1,562 |
| Assets per employee ($millions) | 2.9257% | 5,861 |
| Cash dividends to net income (ytd only)* | 21.1268% | 3,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5630% | 655 |
| 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 | 37.8558% | 5,967 |
| Net loans and leases to deposits | 43.2292% | 6,014 |
| Net loans and leases to core deposits | 47.9895% | 5,905 |
| Total domestic deposits to total assets | 87.5698% | 2,157 |
| Equity capital to assets | 11.6600% | 2,275 |
| Core capital (leverage) ratio | 12.2054% | 1,550 |
| Tier 1 risk-based capital ratio | 24.5158% | 930 |
| Total risk-based capital ratio | 25.7756% | 908 |
| Memoranda: | ||
| Average total assets | $43,826,000 | 6,063 |
| Average earning assets | $41,238,330 | 6,017 |
| Average equity | $4,944,670 | 5,969 |
| Average total loans | $16,613,330 | 6,213 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8661% | 4,223 |
| Cost of funding earning assets | 0.2629% | 5,463 |
| Net interest margin | 3.6032% | 3,236 |
| Noninterest income to average assets | 0.5663% | 2,943 |
| Noninterest expense to average assets | 3.4797% | 1,529 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4658% | 4,871 |
| Return on assets (ROA) | 0.4658% | 4,937 |
| Pretax return on assets | 0.4658% | 5,270 |
| Return on Equity (ROE) | 4.1988% | 4,929 |
| Retained earnings to average equity (ytd only) | 1.7289% | 4,921 |
| Net charge-offs to loans | -0.0732% | 5,978 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1944% | 1,209 |
| Assets per employee ($millions) | 3.0334% | 5,806 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6093% | 709 |
| Loan loss allowance to noncurrent loans | 10,700.0000% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 6,307 |
| Noncurrent loans to loans | 0.0244% | 6,083 |
| Net loans and leases to total assets | 35.1091% | 6,118 |
| Net loans and leases to deposits | 39.6963% | 6,178 |
| Net loans and leases to core deposits | 43.5440% | 6,093 |
| Total domestic deposits to total assets | 88.4442% | 1,966 |
| Equity capital to assets | 10.8064% | 2,932 |
| Core capital (leverage) ratio | 11.8334% | 1,742 |
| Tier 1 risk-based capital ratio | 24.1565% | 977 |
| Total risk-based capital ratio | 25.3875% | 964 |
| Memoranda: | ||
| Average total assets | $43,796,500 | 6,124 |
| Average earning assets | $41,074,500 | 6,082 |
| Average equity | $4,858,500 | 6,030 |
| Average total loans | $16,395,000 | 6,288 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7952% | 4,836 |
| Cost of funding earning assets | 0.3486% | 5,152 |
| Net interest margin | 3.4466% | 4,107 |
| Noninterest income to average assets | 0.4604% | 4,017 |
| Noninterest expense to average assets | 3.1297% | 2,643 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4843% | 4,799 |
| Return on assets (ROA) | 0.4843% | 4,941 |
| Pretax return on assets | 0.5734% | 4,957 |
| Return on Equity (ROE) | 4.5160% | 4,883 |
| Retained earnings to average equity (ytd only) | 3.4427% | 3,784 |
| Net charge-offs to loans | -0.2058% | 6,614 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5161% | 1,577 |
| Assets per employee ($millions) | 2.8061% | 6,100 |
| Cash dividends to net income (ytd only)* | 23.7668% | 3,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5935% | 729 |
| Loan loss allowance to noncurrent loans | 10,625.0000% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 6,395 |
| Noncurrent loans to loans | 0.0244% | 6,187 |
| Net loans and leases to total assets | 37.9217% | 6,099 |
| Net loans and leases to deposits | 43.6227% | 6,137 |
| Net loans and leases to core deposits | 49.0625% | 5,981 |
| Total domestic deposits to total assets | 86.9310% | 2,759 |
| Equity capital to assets | 11.4036% | 2,236 |
| Core capital (leverage) ratio | 11.2400% | 2,163 |
| Tier 1 risk-based capital ratio | 21.8054% | 1,292 |
| Total risk-based capital ratio | 23.0650% | 1,268 |
| Memoranda: | ||
| Average total assets | $46,042,200 | 6,119 |
| Average earning assets | $43,318,000 | 6,070 |
| Average equity | $4,938,000 | 6,077 |
| Average total loans | $16,524,800 | 6,348 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7122% | 5,129 |
| Cost of funding earning assets | 0.3670% | 5,126 |
| Net interest margin | 3.3452% | 4,479 |
| Noninterest income to average assets | 0.4281% | 4,313 |
| Noninterest expense to average assets | 2.9881% | 3,032 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5925% | 4,388 |
| Return on assets (ROA) | 0.5925% | 4,513 |
| Pretax return on assets | 0.5925% | 5,046 |
| Return on Equity (ROE) | 5.6040% | 4,409 |
| Retained earnings to average equity (ytd only) | 4.1828% | 3,708 |
| Net charge-offs to loans | -0.0242% | 6,107 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4521% | 1,663 |
| Assets per employee ($millions) | 2.8531% | 6,070 |
| Cash dividends to net income (ytd only)* | 25.3571% | 2,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3608% | 1,093 |
| Loan loss allowance to noncurrent loans | 9,850.0000% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0093% | 6,473 |
| Noncurrent loans to loans | 0.0240% | 6,282 |
| Net loans and leases to total assets | 38.0760% | 6,169 |
| Net loans and leases to deposits | 44.7566% | 6,170 |
| Net loans and leases to core deposits | 52.6613% | 5,854 |
| Total domestic deposits to total assets | 85.0734% | 3,706 |
| Equity capital to assets | 11.1763% | 2,591 |
| Core capital (leverage) ratio | 10.5504% | 2,954 |
| Tier 1 risk-based capital ratio | 22.9930% | 1,148 |
| Total risk-based capital ratio | 24.2491% | 1,128 |
| Memoranda: | ||
| Average total assets | $47,029,750 | 6,163 |
| Average earning assets | $44,320,750 | 6,113 |
| Average equity | $4,972,500 | 6,145 |
| Average total loans | $16,559,250 | 6,410 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5773% | 5,503 |
| Cost of funding earning assets | 0.3814% | 5,120 |
| Net interest margin | 3.1959% | 4,965 |
| Noninterest income to average assets | 0.4170% | 4,398 |
| Noninterest expense to average assets | 2.8571% | 3,484 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5698% | 4,455 |
| Return on assets (ROA) | 0.5698% | 4,628 |
| Pretax return on assets | 0.5698% | 5,131 |
| Return on Equity (ROE) | 5.4809% | 4,469 |
| Retained earnings to average equity (ytd only) | 4.2894% | 3,561 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3735% | 1,707 |
| Assets per employee ($millions) | 3.1857% | 5,519 |
| Cash dividends to net income (ytd only)* | 21.7391% | 2,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2661% | 1,307 |
| Loan loss allowance to noncurrent loans | 368.8679% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.2218% | 5,824 |
| Noncurrent loans to loans | 0.6144% | 4,718 |
| Net loans and leases to total assets | 35.2886% | 6,346 |
| Net loans and leases to deposits | 39.7478% | 6,415 |
| Net loans and leases to core deposits | 45.0028% | 6,285 |
| Total domestic deposits to total assets | 88.7812% | 1,740 |
| Equity capital to assets | 10.3712% | 3,466 |
| Core capital (leverage) ratio | 10.9800% | 2,374 |
| Tier 1 risk-based capital ratio | 23.1213% | 1,114 |
| Total risk-based capital ratio | 24.3788% | 1,098 |
| Memoranda: | ||
| Average total assets | $48,441,000 | 6,163 |
| Average earning assets | $45,621,000 | 6,116 |
| Average equity | $5,035,670 | 6,172 |
| Average total loans | $16,516,000 | 6,454 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5213% | 5,656 |
| Cost of funding earning assets | 0.3893% | 5,209 |
| Net interest margin | 3.1319% | 5,157 |
| Noninterest income to average assets | 0.4265% | 4,275 |
| Noninterest expense to average assets | 2.9445% | 3,179 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4511% | 4,906 |
| Return on assets (ROA) | 0.4511% | 5,066 |
| Pretax return on assets | 0.4511% | 5,410 |
| Return on Equity (ROE) | 4.3345% | 4,930 |
| Retained earnings to average equity (ytd only) | 1.9702% | 5,016 |
| Net charge-offs to loans | 0.0991% | 2,866 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 13.7500% | 1,500 |
| Efficiency ratio | 86.7150% | 1,437 |
| Assets per employee ($millions) | 3.1438% | 5,738 |
| Cash dividends to net income (ytd only)* | 54.5455% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3892% | 1,263 |
| 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 | 31.4334% | 6,542 |
| Net loans and leases to deposits | 35.2806% | 6,598 |
| Net loans and leases to core deposits | 39.6544% | 6,496 |
| Total domestic deposits to total assets | 89.0954% | 1,629 |
| Equity capital to assets | 10.0596% | 4,066 |
| Core capital (leverage) ratio | 10.4007% | 2,902 |
| Tier 1 risk-based capital ratio | 22.6524% | 1,210 |
| Total risk-based capital ratio | 23.9092% | 1,191 |
| Memoranda: | ||
| Average total assets | $48,768,500 | 6,214 |
| Average earning assets | $46,233,500 | 6,153 |
| Average equity | $5,075,500 | 6,226 |
| Average total loans | $16,147,000 | 6,530 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7659% | 5,912 |
| Cost of funding earning assets | 0.4633% | 5,469 |
| Net interest margin | 3.3027% | 5,238 |
| Noninterest income to average assets | 0.4684% | 4,111 |
| Noninterest expense to average assets | 3.1935% | 2,638 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4043% | 5,087 |
| Return on assets (ROA) | 0.4727% | 5,047 |
| Pretax return on assets | 0.4085% | 5,554 |
| Return on Equity (ROE) | 4.4114% | 4,969 |
| Retained earnings to average equity (ytd only) | 3.3534% | 3,860 |
| Net charge-offs to loans | -0.0684% | 6,766 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3753% | 1,032 |
| Assets per employee ($millions) | 2.9523% | 6,079 |
| Cash dividends to net income (ytd only)* | 23.9819% | 3,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4292% | 1,196 |
| Loan loss allowance to noncurrent loans | 1,150.0000% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.0720% | 6,428 |
| Noncurrent loans to loans | 0.2112% | 5,945 |
| Net loans and leases to total assets | 33.2472% | 6,580 |
| Net loans and leases to deposits | 37.7026% | 6,640 |
| Net loans and leases to core deposits | 40.9817% | 6,581 |
| Total domestic deposits to total assets | 88.1830% | 2,103 |
| Equity capital to assets | 10.7776% | 3,197 |
| Core capital (leverage) ratio | 10.9733% | 2,279 |
| Tier 1 risk-based capital ratio | 23.4027% | 1,051 |
| Total risk-based capital ratio | 24.6612% | 1,028 |
| Memoranda: | ||
| Average total assets | $46,751,200 | 6,303 |
| Average earning assets | $43,389,000 | 6,254 |
| Average equity | $5,009,800 | 6,286 |
| Average total loans | $16,083,800 | 6,596 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8022% | 6,022 |
| Cost of funding earning assets | 0.4853% | 5,538 |
| Net interest margin | 3.3169% | 5,323 |
| Noninterest income to average assets | 0.4747% | 4,109 |
| Noninterest expense to average assets | 3.1253% | 2,809 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4175% | 5,177 |
| Return on assets (ROA) | 0.4175% | 5,408 |
| Pretax return on assets | 0.4175% | 5,679 |
| Return on Equity (ROE) | 3.9014% | 5,326 |
| Retained earnings to average equity (ytd only) | 2.4852% | 5,086 |
| Net charge-offs to loans | -0.0664% | 6,771 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2163% | 1,168 |
| Assets per employee ($millions) | 3.0557% | 5,951 |
| Cash dividends to net income (ytd only)* | 36.2992% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4099% | 1,343 |
| Loan loss allowance to noncurrent loans | 1,141.1765% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.0742% | 6,552 |
| Noncurrent loans to loans | 0.2112% | 6,078 |
| Net loans and leases to total assets | 34.2795% | 6,643 |
| Net loans and leases to deposits | 39.0079% | 6,716 |
| Net loans and leases to core deposits | 43.8307% | 6,602 |
| Total domestic deposits to total assets | 87.8783% | 2,112 |
| Equity capital to assets | 11.0156% | 3,255 |
| Core capital (leverage) ratio | 10.9504% | 2,443 |
| Tier 1 risk-based capital ratio | 23.5385% | 1,085 |
| Total risk-based capital ratio | 24.7949% | 1,066 |
| Memoranda: | ||
| Average total assets | $46,629,750 | 6,378 |
| Average earning assets | $43,132,000 | 6,336 |
| Average equity | $4,989,500 | 6,365 |
| Average total loans | $16,080,750 | 6,681 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8222% | 6,091 |
| Cost of funding earning assets | 0.5136% | 5,523 |
| Net interest margin | 3.3086% | 5,416 |
| Noninterest income to average assets | 0.4563% | 4,245 |
| Noninterest expense to average assets | 3.1219% | 2,846 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3838% | 5,273 |
| Return on assets (ROA) | 0.3838% | 5,510 |
| Pretax return on assets | 0.3838% | 5,743 |
| Return on Equity (ROE) | 3.6220% | 5,430 |
| Retained earnings to average equity (ytd only) | 2.4146% | 4,985 |
| Net charge-offs to loans | -0.0747% | 6,786 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0511% | 1,142 |
| Assets per employee ($millions) | 2.9721% | 6,122 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3655% | 1,468 |
| 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 | 33.5030% | 6,749 |
| Net loans and leases to deposits | 37.9027% | 6,806 |
| Net loans and leases to core deposits | 42.3599% | 6,717 |
| Total domestic deposits to total assets | 88.3921% | 1,893 |
| Equity capital to assets | 10.5333% | 3,645 |
| Core capital (leverage) ratio | 10.4000% | 2,919 |
| Tier 1 risk-based capital ratio | 22.3923% | 1,220 |
| Total risk-based capital ratio | 23.6496% | 1,203 |
| Memoranda: | ||
| Average total assets | $46,894,670 | 6,410 |
| Average earning assets | $43,220,670 | 6,373 |
| Average equity | $4,969,670 | 6,396 |
| Average total loans | $16,074,330 | 6,729 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8891% | 6,038 |
| Cost of funding earning assets | 0.5396% | 5,556 |
| Net interest margin | 3.3494% | 5,304 |
| Noninterest income to average assets | 0.4381% | 4,395 |
| Noninterest expense to average assets | 3.2557% | 2,426 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2749% | 5,733 |
| Return on assets (ROA) | 0.2749% | 5,898 |
| Pretax return on assets | 0.2749% | 6,023 |
| Return on Equity (ROE) | 2.5859% | 5,870 |
| Retained earnings to average equity (ytd only) | 0.1616% | 5,929 |
| Net charge-offs to loans | -0.1003% | 6,785 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2141% | 934 |
| Assets per employee ($millions) | 3.0679% | 6,025 |
| Cash dividends to net income (ytd only)* | 93.7500% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4113% | 1,485 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0326% | 6,822 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 31.6608% | 6,847 |
| Net loans and leases to deposits | 35.6453% | 6,903 |
| Net loans and leases to core deposits | 39.6545% | 6,827 |
| Total domestic deposits to total assets | 88.8217% | 1,803 |
| Equity capital to assets | 10.0721% | 4,040 |
| Core capital (leverage) ratio | 10.4025% | 2,873 |
| Tier 1 risk-based capital ratio | 21.4603% | 1,389 |
| Total risk-based capital ratio | 22.7142% | 1,359 |
| Memoranda: | ||
| Average total assets | $46,565,000 | 6,472 |
| Average earning assets | $42,992,500 | 6,428 |
| Average equity | $4,950,000 | 6,439 |
| Average total loans | $15,952,500 | 6,801 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1398% | 6,204 |
| Cost of funding earning assets | 0.7343% | 5,316 |
| Net interest margin | 3.4056% | 5,465 |
| Noninterest income to average assets | 0.4847% | 3,961 |
| Noninterest expense to average assets | 3.1376% | 3,074 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.5721% | 4,136 |
| Return on assets (ROA) | 0.5721% | 4,322 |
| Pretax return on assets | 0.5371% | 4,884 |
| Return on Equity (ROE) | 5.3947% | 4,203 |
| Retained earnings to average equity (ytd only) | 4.3034% | 3,121 |
| Net charge-offs to loans | -0.1177% | 7,154 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3832% | 1,634 |
| Assets per employee ($millions) | 2.5908% | 6,730 |
| Cash dividends to net income (ytd only)* | 20.2290% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3780% | 1,497 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0363% | 6,877 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 35.4191% | 6,792 |
| Net loans and leases to deposits | 40.5542% | 6,851 |
| Net loans and leases to core deposits | 45.1297% | 6,765 |
| Total domestic deposits to total assets | 87.3377% | 2,560 |
| Equity capital to assets | 11.2524% | 2,738 |
| Core capital (leverage) ratio | 11.2821% | 2,054 |
| Tier 1 risk-based capital ratio | 23.0622% | 1,093 |
| Total risk-based capital ratio | 24.3166% | 1,077 |
| Memoranda: | ||
| Average total assets | $45,798,800 | 6,485 |
| Average earning assets | $42,900,400 | 6,427 |
| Average equity | $4,856,600 | 6,491 |
| Average total loans | $16,137,600 | 6,840 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1615% | 6,297 |
| Cost of funding earning assets | 0.7784% | 5,288 |
| Net interest margin | 3.3831% | 5,625 |
| Noninterest income to average assets | 0.4671% | 4,152 |
| Noninterest expense to average assets | 3.0941% | 3,184 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.5565% | 4,288 |
| Return on assets (ROA) | 0.5565% | 4,462 |
| Pretax return on assets | 0.5565% | 4,947 |
| Return on Equity (ROE) | 5.3258% | 4,385 |
| Retained earnings to average equity (ytd only) | 3.8632% | 3,978 |
| Net charge-offs to loans | -0.0824% | 7,132 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7551% | 1,657 |
| Assets per employee ($millions) | 2.5575% | 6,827 |
| Cash dividends to net income (ytd only)* | 27.4589% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2796% | 1,726 |
| Loan loss allowance to noncurrent loans | 394.6809% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.2530% | 6,427 |
| Noncurrent loans to loans | 0.5776% | 5,721 |
| Net loans and leases to total assets | 36.5803% | 6,840 |
| Net loans and leases to deposits | 41.9409% | 6,913 |
| Net loans and leases to core deposits | 46.7380% | 6,815 |
| Total domestic deposits to total assets | 87.2185% | 2,518 |
| Equity capital to assets | 11.2841% | 2,880 |
| Core capital (leverage) ratio | 10.6043% | 2,756 |
| Tier 1 risk-based capital ratio | 21.8923% | 1,308 |
| Total risk-based capital ratio | 23.1494% | 1,282 |
| Memoranda: | ||
| Average total assets | $46,237,500 | 6,533 |
| Average earning assets | $43,509,250 | 6,460 |
| Average equity | $4,831,750 | 6,551 |
| Average total loans | $16,177,000 | 6,906 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0628% | 6,551 |
| Cost of funding earning assets | 0.7973% | 5,386 |
| Net interest margin | 3.2656% | 5,951 |
| Noninterest income to average assets | 0.4792% | 4,035 |
| Noninterest expense to average assets | 2.9136% | 3,971 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6404% | 3,851 |
| Return on assets (ROA) | 0.6404% | 3,974 |
| Pretax return on assets | 0.6404% | 4,615 |
| Return on Equity (ROE) | 6.2825% | 3,804 |
| Retained earnings to average equity (ytd only) | 5.0343% | 2,987 |
| Net charge-offs to loans | -0.0743% | 7,105 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9809% | 2,103 |
| Assets per employee ($millions) | 2.7556% | 6,546 |
| Cash dividends to net income (ytd only)* | 19.8675% | 2,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3054% | 1,729 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0833% | 6,889 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 33.1988% | 7,072 |
| Net loans and leases to deposits | 37.6762% | 7,129 |
| Net loans and leases to core deposits | 43.7407% | 7,014 |
| Total domestic deposits to total assets | 88.1161% | 2,065 |
| Equity capital to assets | 10.4408% | 3,588 |
| Core capital (leverage) ratio | 10.2295% | 3,003 |
| Tier 1 risk-based capital ratio | 21.2626% | 1,372 |
| Total risk-based capital ratio | 22.5190% | 1,353 |
| Memoranda: | ||
| Average total assets | $47,157,670 | 6,560 |
| Average earning assets | $44,402,330 | 6,496 |
| Average equity | $4,807,000 | 6,598 |
| Average total loans | $16,144,330 | 6,975 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0626% | 6,576 |
| Cost of funding earning assets | 0.8179% | 5,478 |
| Net interest margin | 3.2447% | 5,935 |
| Noninterest income to average assets | 0.4988% | 3,901 |
| Noninterest expense to average assets | 3.2210% | 2,813 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3297% | 5,269 |
| Return on assets (ROA) | 0.3297% | 5,346 |
| Pretax return on assets | 0.3297% | 5,564 |
| Return on Equity (ROE) | 3.2739% | 5,250 |
| Retained earnings to average equity (ytd only) | 0.7555% | 5,525 |
| Net charge-offs to loans | -0.1230% | 7,144 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7143% | 1,263 |
| Assets per employee ($millions) | 2.8298% | 6,476 |
| Cash dividends to net income (ytd only)* | 76.9231% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3033% | 1,757 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1393% | 6,815 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 32.2697% | 7,156 |
| Net loans and leases to deposits | 36.4550% | 7,213 |
| Net loans and leases to core deposits | 41.1603% | 7,130 |
| Total domestic deposits to total assets | 88.5193% | 2,063 |
| Equity capital to assets | 9.8946% | 3,907 |
| Core capital (leverage) ratio | 10.2789% | 2,828 |
| Tier 1 risk-based capital ratio | 20.3661% | 1,509 |
| Total risk-based capital ratio | 21.6196% | 1,486 |
| Memoranda: | ||
| Average total assets | $47,314,000 | 6,603 |
| Average earning assets | $44,504,000 | 6,545 |
| Average equity | $4,765,000 | 6,629 |
| Average total loans | $16,257,000 | 7,020 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3650% | 6,682 |
| Cost of funding earning assets | 1.0491% | 5,433 |
| Net interest margin | 3.3158% | 5,933 |
| Noninterest income to average assets | 0.5578% | 3,769 |
| Noninterest expense to average assets | 3.5206% | 2,119 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.2927% | 4,960 |
| Return on assets (ROA) | 0.3181% | 5,038 |
| Pretax return on assets | 0.1527% | 5,591 |
| Return on Equity (ROE) | 3.1491% | 4,896 |
| Retained earnings to average equity (ytd only) | 2.0364% | 4,447 |
| Net charge-offs to loans | -0.1233% | 7,512 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5116% | 943 |
| Assets per employee ($millions) | 2.7365% | 6,630 |
| Cash dividends to net income (ytd only)* | 35.3333% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1716% | 1,923 |
| Loan loss allowance to noncurrent loans | 1,289.2857% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.1483% | 6,861 |
| Noncurrent loans to loans | 0.1684% | 6,731 |
| Net loans and leases to total assets | 34.9584% | 7,200 |
| Net loans and leases to deposits | 39.7473% | 7,258 |
| Net loans and leases to core deposits | 45.5687% | 7,155 |
| Total domestic deposits to total assets | 87.9517% | 2,277 |
| Equity capital to assets | 10.2534% | 3,440 |
| Core capital (leverage) ratio | 10.4965% | 2,562 |
| Tier 1 risk-based capital ratio | 20.0843% | 1,473 |
| Total risk-based capital ratio | 21.3398% | 1,441 |
| Memoranda: | ||
| Average total assets | $47,150,800 | 6,633 |
| Average earning assets | $43,940,600 | 6,582 |
| Average equity | $4,763,200 | 6,742 |
| Average total loans | $16,215,000 | 7,110 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4200% | 6,788 |
| Cost of funding earning assets | 1.0906% | 5,480 |
| Net interest margin | 3.3294% | 5,926 |
| Noninterest income to average assets | 0.5496% | 3,791 |
| Noninterest expense to average assets | 3.2411% | 2,776 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.3797% | 4,840 |
| Return on assets (ROA) | 0.4115% | 4,876 |
| Pretax return on assets | 0.4396% | 5,114 |
| Return on Equity (ROE) | 4.0882% | 4,731 |
| Retained earnings to average equity (ytd only) | 2.6042% | 4,597 |
| Net charge-offs to loans | -0.1490% | 7,600 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8717% | 1,376 |
| Assets per employee ($millions) | 2.6478% | 6,852 |
| Cash dividends to net income (ytd only)* | 36.2992% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1654% | 1,867 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0511% | 7,219 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 36.0340% | 7,265 |
| Net loans and leases to deposits | 41.2502% | 7,330 |
| Net loans and leases to core deposits | 49.2575% | 7,148 |
| Total domestic deposits to total assets | 87.3548% | 2,343 |
| Equity capital to assets | 10.7147% | 3,273 |
| Core capital (leverage) ratio | 10.1957% | 3,046 |
| Tier 1 risk-based capital ratio | 20.3496% | 1,476 |
| Total risk-based capital ratio | 21.6012% | 1,451 |
| Memoranda: | ||
| Average total assets | $47,308,250 | 6,709 |
| Average earning assets | $44,010,500 | 6,659 |
| Average equity | $4,761,500 | 6,824 |
| Average total loans | $16,112,750 | 7,206 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3866% | 6,928 |
| Cost of funding earning assets | 1.0844% | 5,760 |
| Net interest margin | 3.3022% | 6,011 |
| Noninterest income to average assets | 0.5450% | 3,749 |
| Noninterest expense to average assets | 3.1702% | 3,019 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.4159% | 4,682 |
| Return on assets (ROA) | 0.4618% | 4,656 |
| Pretax return on assets | 0.5034% | 4,891 |
| Return on Equity (ROE) | 4.6826% | 4,448 |
| Retained earnings to average equity (ytd only) | 3.4170% | 3,939 |
| Net charge-offs to loans | -0.2381% | 7,664 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4856% | 1,558 |
| Assets per employee ($millions) | 2.7853% | 6,601 |
| Cash dividends to net income (ytd only)* | 27.0270% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1957% | 1,765 |
| Loan loss allowance to noncurrent loans | 3,000.0000% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0739% | 7,209 |
| Noncurrent loans to loans | 0.0732% | 7,127 |
| Net loans and leases to total assets | 33.8669% | 7,422 |
| Net loans and leases to deposits | 38.4630% | 7,483 |
| Net loans and leases to core deposits | 46.1415% | 7,349 |
| Total domestic deposits to total assets | 88.0507% | 1,974 |
| Equity capital to assets | 10.1035% | 3,885 |
| Core capital (leverage) ratio | 9.9917% | 3,173 |
| Tier 1 risk-based capital ratio | 19.5583% | 1,592 |
| Total risk-based capital ratio | 20.8184% | 1,563 |
| Memoranda: | ||
| Average total assets | $48,073,330 | 6,725 |
| Average earning assets | $44,818,330 | 6,668 |
| Average equity | $4,741,000 | 6,864 |
| Average total loans | $15,957,330 | 7,261 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3837% | 7,019 |
| Cost of funding earning assets | 1.0804% | 5,987 |
| Net interest margin | 3.3033% | 5,960 |
| Noninterest income to average assets | 0.5533% | 3,626 |
| Noninterest expense to average assets | 3.0639% | 3,417 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4873% | 4,460 |
| Return on assets (ROA) | 0.4873% | 4,595 |
| Pretax return on assets | 0.5698% | 4,717 |
| Return on Equity (ROE) | 5.0005% | 4,361 |
| Retained earnings to average equity (ytd only) | 2.4579% | 4,660 |
| Net charge-offs to loans | -0.1525% | 7,614 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3182% | 1,996 |
| Assets per employee ($millions) | 2.8334% | 6,563 |
| Cash dividends to net income (ytd only)* | 50.8475% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1688% | 1,817 |
| Loan loss allowance to noncurrent loans | 2,669.2308% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.1142% | 7,193 |
| Noncurrent loans to loans | 0.0813% | 7,187 |
| Net loans and leases to total assets | 32.4974% | 7,553 |
| Net loans and leases to deposits | 36.7666% | 7,605 |
| Net loans and leases to core deposits | 45.3671% | 7,450 |
| Total domestic deposits to total assets | 88.3883% | 1,858 |
| Equity capital to assets | 9.8532% | 4,048 |
| Core capital (leverage) ratio | 9.6751% | 3,552 |
| Tier 1 risk-based capital ratio | 19.7009% | 1,582 |
| Total risk-based capital ratio | 20.9548% | 1,547 |
| Memoranda: | ||
| Average total assets | $48,435,000 | 6,787 |
| Average earning assets | $45,167,500 | 6,737 |
| Average equity | $4,719,500 | 6,937 |
| Average total loans | $15,738,000 | 7,363 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6289% | 7,243 |
| Cost of funding earning assets | 1.4981% | 5,523 |
| Net interest margin | 3.1309% | 6,277 |
| Noninterest income to average assets | 0.5354% | 4,141 |
| Noninterest expense to average assets | 2.9945% | 4,162 |
| Loan and lease loss provision to assets | 0.0545% | 7,019 |
| Net operating income to assets | 0.4576% | 3,899 |
| Return on assets (ROA) | 0.5841% | 3,463 |
| Pretax return on assets | 0.5549% | 4,035 |
| Return on Equity (ROE) | 6.6140% | 2,946 |
| Retained earnings to average equity (ytd only) | 5.3794% | 1,633 |
| Net charge-offs to loans | 0.2389% | 5,126 |
| Credit loss provision to net charge-offs | 77.7778% | 6,343 |
| Earnings coverage of net charge-offs (x) | 6.8889% | 2,266 |
| Efficiency ratio | 86.1142% | 2,100 |
| Assets per employee ($millions) | 2.7057% | 6,846 |
| Cash dividends to net income (ytd only)* | 18.6667% | 3,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2034% | 1,648 |
| Loan loss allowance to noncurrent loans | 897.3684% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.1684% | 7,062 |
| Noncurrent loans to loans | 0.2455% | 6,809 |
| Net loans and leases to total assets | 31.0761% | 7,689 |
| Net loans and leases to deposits | 35.2231% | 7,739 |
| Net loans and leases to core deposits | 53.8861% | 7,470 |
| Total domestic deposits to total assets | 88.2266% | 1,873 |
| Equity capital to assets | 9.6360% | 4,232 |
| Core capital (leverage) ratio | 8.9666% | 4,479 |
| Tier 1 risk-based capital ratio | 19.2599% | 1,601 |
| Total risk-based capital ratio | 20.5017% | 1,565 |
| Memoranda: | ||
| Average total assets | $51,360,000 | 6,654 |
| Average earning assets | $48,261,600 | 6,589 |
| Average equity | $4,535,800 | 7,102 |
| Average total loans | $15,069,800 | 7,447 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6390% | 7,366 |
| Cost of funding earning assets | 1.5345% | 5,692 |
| Net interest margin | 3.1045% | 6,306 |
| Noninterest income to average assets | 0.5126% | 4,386 |
| Noninterest expense to average assets | 2.7628% | 5,054 |
| Loan and lease loss provision to assets | 0.0205% | 7,150 |
| Net operating income to assets | 0.5331% | 3,855 |
| Return on assets (ROA) | 0.5331% | 3,941 |
| Pretax return on assets | 0.6484% | 4,025 |
| Return on Equity (ROE) | 6.1677% | 3,456 |
| Retained earnings to average equity (ytd only) | 4.5071% | 2,754 |
| Net charge-offs to loans | -0.0623% | 7,883 |
| Credit loss provision to net charge-offs | -114.2857% | 7,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5078% | 2,774 |
| Assets per employee ($millions) | 3.2583% | 5,498 |
| Cash dividends to net income (ytd only)* | 26.9210% | 2,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3335% | 1,259 |
| Loan loss allowance to noncurrent loans | 521.4286% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.1343% | 7,208 |
| Noncurrent loans to loans | 0.4475% | 6,432 |
| Net loans and leases to total assets | 29.3045% | 7,820 |
| Net loans and leases to deposits | 32.8637% | 7,873 |
| Net loans and leases to core deposits | 57.9860% | 7,466 |
| Total domestic deposits to total assets | 89.1698% | 1,120 |
| Equity capital to assets | 8.6933% | 5,963 |
| Core capital (leverage) ratio | 8.8926% | 4,820 |
| Tier 1 risk-based capital ratio | 18.4740% | 1,869 |
| Total risk-based capital ratio | 19.6974% | 1,825 |
| Memoranda: | ||
| Average total assets | $52,024,250 | 6,685 |
| Average earning assets | $48,917,250 | 6,617 |
| Average equity | $4,496,500 | 7,179 |
| Average total loans | $14,968,250 | 7,524 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7059% | 7,381 |
| Cost of funding earning assets | 1.6110% | 5,703 |
| Net interest margin | 3.0949% | 6,260 |
| Noninterest income to average assets | 0.4924% | 4,512 |
| Noninterest expense to average assets | 2.8353% | 4,803 |
| Loan and lease loss provision to assets | 0.0308% | 6,936 |
| Net operating income to assets | 0.4155% | 4,443 |
| Return on assets (ROA) | 0.4155% | 4,554 |
| Pretax return on assets | 0.5309% | 4,521 |
| Return on Equity (ROE) | 4.8164% | 4,161 |
| Retained earnings to average equity (ytd only) | 3.3447% | 3,468 |
| Net charge-offs to loans | -0.0271% | 7,756 |
| Credit loss provision to net charge-offs | -400.0000% | 7,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4655% | 2,549 |
| Assets per employee ($millions) | 2.8348% | 6,547 |
| Cash dividends to net income (ytd only)* | 30.5556% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3111% | 1,089 |
| Loan loss allowance to noncurrent loans | 2,117.6471% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.0333% | 7,532 |
| Noncurrent loans to loans | 0.1091% | 7,248 |
| Net loans and leases to total assets | 29.8215% | 7,889 |
| Net loans and leases to deposits | 33.4454% | 7,948 |
| Net loans and leases to core deposits | 55.8832% | 7,598 |
| Total domestic deposits to total assets | 89.1646% | 1,187 |
| Equity capital to assets | 8.5798% | 5,929 |
| Core capital (leverage) ratio | 8.4687% | 5,498 |
| Tier 1 risk-based capital ratio | 17.8298% | 2,061 |
| Total risk-based capital ratio | 19.0831% | 2,007 |
| Memoranda: | ||
| Average total assets | $51,988,330 | 6,745 |
| Average earning assets | $48,790,000 | 6,680 |
| Average equity | $4,484,670 | 7,243 |
| Average total loans | $14,743,670 | 7,604 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6452% | 7,579 |
| Cost of funding earning assets | 1.6648% | 5,762 |
| Net interest margin | 2.9804% | 6,529 |
| Noninterest income to average assets | 0.4803% | 4,505 |
| Noninterest expense to average assets | 2.5615% | 5,604 |
| Loan and lease loss provision to assets | 0.0610% | 6,195 |
| Net operating income to assets | 0.5413% | 4,253 |
| Return on assets (ROA) | 0.5413% | 4,436 |
| Pretax return on assets | 0.6556% | 4,570 |
| Return on Equity (ROE) | 6.2583% | 3,928 |
| Retained earnings to average equity (ytd only) | 3.7021% | 3,843 |
| Net charge-offs to loans | 0.2234% | 3,302 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 11.7500% | 1,853 |
| Efficiency ratio | 78.1395% | 3,141 |
| Assets per employee ($millions) | 3.3203% | 5,278 |
| Cash dividends to net income (ytd only)* | 40.8451% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3842% | 867 |
| Loan loss allowance to noncurrent loans | 1,586.3636% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.0414% | 7,485 |
| Noncurrent loans to loans | 0.1503% | 7,090 |
| Net loans and leases to total assets | 26.8969% | 7,982 |
| Net loans and leases to deposits | 30.0967% | 8,036 |
| Net loans and leases to core deposits | 49.3200% | 7,806 |
| Total domestic deposits to total assets | 89.3685% | 1,069 |
| Equity capital to assets | 8.4160% | 6,208 |
| Core capital (leverage) ratio | 8.2080% | 6,083 |
| Tier 1 risk-based capital ratio | 18.2013% | 2,000 |
| Total risk-based capital ratio | 19.4384% | 1,961 |
| Memoranda: | ||
| Average total assets | $52,469,000 | 6,759 |
| Average earning assets | $49,255,000 | 6,698 |
| Average equity | $4,538,000 | 7,278 |
| Average total loans | $14,327,000 | 7,667 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5941% | 7,088 |
| Cost of funding earning assets | 2.3123% | 5,095 |
| Net interest margin | 3.2819% | 6,099 |
| Noninterest income to average assets | 0.7467% | 2,803 |
| Noninterest expense to average assets | 3.2715% | 3,069 |
| Loan and lease loss provision to assets | 0.3175% | 3,837 |
| Net operating income to assets | 0.2343% | 5,743 |
| Return on assets (ROA) | 0.2343% | 5,568 |
| Pretax return on assets | 0.1817% | 5,770 |
| Return on Equity (ROE) | 2.4554% | 5,438 |
| Retained earnings to average equity (ytd only) | 1.2392% | 4,480 |
| Net charge-offs to loans | 1.9261% | 569 |
| Credit loss provision to net charge-offs | 53.3088% | 6,315 |
| Earnings coverage of net charge-offs (x) | 0.8382% | 5,729 |
| Efficiency ratio | 86.7596% | 1,781 |
| Assets per employee ($millions) | 3.0478% | 5,934 |
| Cash dividends to net income (ytd only)* | 49.5327% | 3,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4900% | 688 |
| Loan loss allowance to noncurrent loans | 591.5254% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.1139% | 7,122 |
| Noncurrent loans to loans | 0.4209% | 6,081 |
| Net loans and leases to total assets | 26.3776% | 8,062 |
| Net loans and leases to deposits | 29.7335% | 8,118 |
| Net loans and leases to core deposits | 47.5043% | 7,935 |
| Total domestic deposits to total assets | 88.7133% | 1,145 |
| Equity capital to assets | 8.8877% | 5,515 |
| Core capital (leverage) ratio | 8.9855% | 4,763 |
| Tier 1 risk-based capital ratio | 18.6076% | 1,894 |
| Total risk-based capital ratio | 19.8997% | 1,831 |
| Memoranda: | ||
| Average total assets | $45,667,800 | 6,952 |
| Average earning assets | $42,079,800 | 6,946 |
| Average equity | $4,357,800 | 7,370 |
| Average total loans | $14,121,600 | 7,697 |