Home > St. Martin National Bank > Performance and Condition Ratios
St. Martin National 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 | 2.9526% | 4,532 |
| Cost of funding earning assets | 0.5885% | 4,086 |
| Net interest margin | 2.3641% | 4,212 |
| Noninterest income to average assets | 0.8800% | 794 |
| Noninterest expense to average assets | 2.2588% | 2,958 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9181% | 2,491 |
| Return on assets (ROA) | 0.8718% | 2,602 |
| Pretax return on assets | 0.8718% | 3,038 |
| Return on Equity (ROE) | 9.9200% | 2,519 |
| Retained earnings to average equity (ytd only) | 3.6463% | 3,074 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 71.1019% | 1,748 |
| Assets per employee ($millions) | 5.8268% | 2,960 |
| Cash dividends to net income (ytd only)* | 63.2576% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6065% | 826 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 41.4200% | 3,983 |
| Net loans and leases to deposits | 46.1733% | 4,043 |
| Net loans and leases to core deposits | 46.1733% | 4,156 |
| Total domestic deposits to total assets | 89.7000% | 843 |
| Equity capital to assets | 10.2286% | 1,881 |
| Core capital (leverage) ratio | 12.6341% | 1,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $30,281,200 | 4,464 |
| Average earning assets | $29,397,800 | 4,419 |
| Average equity | $2,660,200 | 4,446 |
| Average total loans | $11,985,600 | 4,389 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8455% | 4,553 |
| Cost of funding earning assets | 0.5529% | 4,055 |
| Net interest margin | 2.2926% | 4,306 |
| Noninterest income to average assets | 0.7700% | 1,012 |
| Noninterest expense to average assets | 2.0369% | 3,501 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9552% | 2,500 |
| Return on assets (ROA) | 0.8942% | 2,690 |
| Pretax return on assets | 0.8942% | 3,116 |
| Return on Equity (ROE) | 10.5900% | 2,484 |
| Retained earnings to average equity (ytd only) | 7.1309% | 2,241 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.0758% | 2,005 |
| Assets per employee ($millions) | 5.8976% | 2,838 |
| Cash dividends to net income (ytd only)* | 32.6829% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6288% | 836 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 40.3500% | 4,044 |
| Net loans and leases to deposits | 46.5366% | 4,037 |
| Net loans and leases to core deposits | 46.5366% | 4,116 |
| Total domestic deposits to total assets | 86.7000% | 1,980 |
| Equity capital to assets | 9.1393% | 2,334 |
| Core capital (leverage) ratio | 12.7982% | 1,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $30,568,000 | 4,482 |
| Average earning assets | $29,660,000 | 4,444 |
| Average equity | $2,580,250 | 4,474 |
| Average total loans | $11,916,250 | 4,412 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7261% | 4,595 |
| Cost of funding earning assets | 0.4132% | 4,143 |
| Net interest margin | 2.3128% | 4,357 |
| Noninterest income to average assets | 0.7200% | 1,058 |
| Noninterest expense to average assets | 2.0241% | 3,538 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9377% | 2,623 |
| Return on assets (ROA) | 0.8471% | 2,940 |
| Pretax return on assets | 0.8471% | 3,286 |
| Return on Equity (ROE) | 10.3100% | 2,620 |
| Retained earnings to average equity (ytd only) | 5.0354% | 2,929 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.3406% | 1,941 |
| Assets per employee ($millions) | 6.2160% | 2,530 |
| Cash dividends to net income (ytd only)* | 51.1450% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6587% | 821 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 37.5800% | 4,131 |
| Net loans and leases to deposits | 44.1939% | 4,087 |
| Net loans and leases to core deposits | 44.1939% | 4,171 |
| Total domestic deposits to total assets | 85.0400% | 2,534 |
| Equity capital to assets | 8.4556% | 2,897 |
| Core capital (leverage) ratio | 12.6455% | 1,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $30,928,000 | 4,507 |
| Average earning assets | $30,006,333 | 4,470 |
| Average equity | $2,542,000 | 4,505 |
| Average total loans | $11,856,667 | 4,438 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7515% | 4,610 |
| Cost of funding earning assets | 0.3874% | 4,000 |
| Net interest margin | 2.3642% | 4,412 |
| Noninterest income to average assets | 0.7100% | 1,070 |
| Noninterest expense to average assets | 2.1004% | 3,383 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9076% | 2,826 |
| Return on assets (ROA) | 0.8687% | 2,916 |
| Pretax return on assets | 0.8687% | 3,311 |
| Return on Equity (ROE) | 10.7200% | 2,572 |
| Retained earnings to average equity (ytd only) | 0.3201% | 3,975 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.8276% | 1,763 |
| Assets per employee ($millions) | 5.9888% | 2,771 |
| Cash dividends to net income (ytd only)* | 97.0149% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6520% | 907 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 39.1700% | 4,072 |
| Net loans and leases to deposits | 43.4290% | 4,112 |
| Net loans and leases to core deposits | 43.4290% | 4,190 |
| Total domestic deposits to total assets | 90.1900% | 1,090 |
| Equity capital to assets | 8.6662% | 2,767 |
| Core capital (leverage) ratio | 11.8278% | 1,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $30,852,000 | 4,568 |
| Average earning assets | $29,947,000 | 4,537 |
| Average equity | $2,499,000 | 4,571 |
| Average total loans | $11,846,500 | 4,501 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3716% | 4,540 |
| Cost of funding earning assets | 0.1771% | 3,935 |
| Net interest margin | 2.1945% | 4,481 |
| Noninterest income to average assets | 0.8300% | 937 |
| Noninterest expense to average assets | 2.1091% | 3,263 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7809% | 3,394 |
| Return on assets (ROA) | 0.7778% | 3,339 |
| Pretax return on assets | 0.7778% | 3,677 |
| Return on Equity (ROE) | 9.3500% | 3,014 |
| Retained earnings to average equity (ytd only) | 1.9217% | 3,995 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 72.9787% | 1,329 |
| Assets per employee ($millions) | 5.2933% | 3,429 |
| Cash dividends to net income (ytd only)* | 79.4466% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6740% | 834 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 36.4300% | 4,197 |
| Net loans and leases to deposits | 39.4242% | 4,263 |
| Net loans and leases to core deposits | 39.4242% | 4,293 |
| Total domestic deposits to total assets | 92.4100% | 544 |
| Equity capital to assets | 7.5661% | 3,343 |
| Core capital (leverage) ratio | 11.9696% | 1,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $32,526,200 | 4,591 |
| Average earning assets | $30,485,200 | 4,564 |
| Average equity | $2,706,000 | 4,634 |
| Average total loans | $11,529,000 | 4,537 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3718% | 4,510 |
| Cost of funding earning assets | 0.1578% | 3,750 |
| Net interest margin | 2.2140% | 4,455 |
| Noninterest income to average assets | 0.7700% | 1,094 |
| Noninterest expense to average assets | 1.9275% | 3,683 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9006% | 2,860 |
| Return on assets (ROA) | 0.8965% | 2,858 |
| Pretax return on assets | 0.8965% | 3,328 |
| Return on Equity (ROE) | 10.5400% | 2,557 |
| Retained earnings to average equity (ytd only) | 5.7037% | 2,856 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.1556% | 1,996 |
| Assets per employee ($millions) | 5.1932% | 3,507 |
| Cash dividends to net income (ytd only)* | 45.9091% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7116% | 854 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 36.3100% | 4,213 |
| Net loans and leases to deposits | 39.1996% | 4,265 |
| Net loans and leases to core deposits | 39.1996% | 4,302 |
| Total domestic deposits to total assets | 92.6200% | 680 |
| Equity capital to assets | 7.3366% | 3,311 |
| Core capital (leverage) ratio | 11.4530% | 1,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $32,717,750 | 4,623 |
| Average earning assets | $30,412,000 | 4,602 |
| Average equity | $2,781,750 | 4,669 |
| Average total loans | $11,469,250 | 4,572 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2846% | 4,531 |
| Cost of funding earning assets | 0.1510% | 3,559 |
| Net interest margin | 2.1336% | 4,494 |
| Noninterest income to average assets | 0.7401% | 1,200 |
| Noninterest expense to average assets | 1.9075% | 3,683 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7883% | 3,001 |
| Return on assets (ROA) | 0.7823% | 2,989 |
| Pretax return on assets | 0.7823% | 3,370 |
| Return on Equity (ROE) | 8.8225% | 2,749 |
| Retained earnings to average equity (ytd only) | 1.9681% | 3,760 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7589% | 1,854 |
| Assets per employee ($millions) | 5.4217% | 3,298 |
| Cash dividends to net income (ytd only)* | 77.6923% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6921% | 977 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 35.1829% | 4,284 |
| Net loans and leases to deposits | 38.2290% | 4,326 |
| Net loans and leases to core deposits | 38.2290% | 4,382 |
| Total domestic deposits to total assets | 92.0320% | 819 |
| Equity capital to assets | 7.9281% | 3,176 |
| Core capital (leverage) ratio | 10.9909% | 1,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $33,237,333 | 4,658 |
| Average earning assets | $30,465,000 | 4,651 |
| Average equity | $2,947,000 | 4,693 |
| Average total loans | $11,455,667 | 4,638 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2636% | 4,483 |
| Cost of funding earning assets | 0.1473% | 3,534 |
| Net interest margin | 2.1163% | 4,425 |
| Noninterest income to average assets | 0.8216% | 991 |
| Noninterest expense to average assets | 1.9291% | 3,616 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7740% | 2,750 |
| Return on assets (ROA) | 0.7740% | 2,743 |
| Pretax return on assets | 0.7740% | 3,189 |
| Return on Equity (ROE) | 8.3041% | 2,581 |
| Retained earnings to average equity (ytd only) | -4.5992% | 4,407 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3656% | 2,061 |
| Assets per employee ($millions) | 5.6642% | 3,157 |
| Cash dividends to net income (ytd only)* | 155.3846% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7589% | 946 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 32.3760% | 4,361 |
| Net loans and leases to deposits | 35.2559% | 4,408 |
| Net loans and leases to core deposits | 35.2559% | 4,448 |
| Total domestic deposits to total assets | 91.8317% | 646 |
| Equity capital to assets | 8.1301% | 3,467 |
| Core capital (leverage) ratio | 10.8520% | 1,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $33,591,000 | 4,685 |
| Average earning assets | $29,863,500 | 4,681 |
| Average equity | $3,131,000 | 4,710 |
| Average total loans | $11,362,500 | 4,665 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1256% | 3,633 |
| Cost of funding earning assets | 0.1865% | 3,584 |
| Net interest margin | 2.9391% | 3,350 |
| Noninterest income to average assets | 0.7382% | 1,626 |
| Noninterest expense to average assets | 2.0987% | 3,395 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1799% | 1,995 |
| Return on assets (ROA) | 1.1799% | 2,057 |
| Pretax return on assets | 1.1799% | 2,735 |
| Return on Equity (ROE) | 10.1610% | 2,472 |
| Retained earnings to average equity (ytd only) | 4.4420% | 3,034 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0118% | 2,563 |
| Assets per employee ($millions) | 5.5328% | 3,231 |
| Cash dividends to net income (ytd only)* | 56.2842% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7093% | 1,026 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 34.1236% | 4,369 |
| Net loans and leases to deposits | 38.1504% | 4,391 |
| Net loans and leases to core deposits | 38.1504% | 4,456 |
| Total domestic deposits to total assets | 89.4448% | 1,268 |
| Equity capital to assets | 10.5401% | 2,133 |
| Core capital (leverage) ratio | 11.4508% | 1,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $31,019,600 | 4,737 |
| Average earning assets | $26,810,800 | 4,734 |
| Average equity | $3,602,000 | 4,734 |
| Average total loans | $11,572,800 | 4,703 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3821% | 3,151 |
| Cost of funding earning assets | 0.1936% | 3,682 |
| Net interest margin | 3.1885% | 2,764 |
| Noninterest income to average assets | 0.7306% | 1,730 |
| Noninterest expense to average assets | 1.8769% | 3,998 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5925% | 1,054 |
| Return on assets (ROA) | 1.5925% | 1,094 |
| Pretax return on assets | 1.5925% | 1,724 |
| Return on Equity (ROE) | 13.3780% | 1,586 |
| Retained earnings to average equity (ytd only) | 9.4822% | 1,498 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0984% | 3,801 |
| Assets per employee ($millions) | 5.1680% | 3,538 |
| Cash dividends to net income (ytd only)* | 29.1209% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7130% | 1,088 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 36.4519% | 4,366 |
| Net loans and leases to deposits | 41.4333% | 4,400 |
| Net loans and leases to core deposits | 41.4333% | 4,470 |
| Total domestic deposits to total assets | 87.9773% | 1,860 |
| Equity capital to assets | 11.9840% | 1,413 |
| Core capital (leverage) ratio | 11.4480% | 1,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $30,475,250 | 4,810 |
| Average earning assets | $26,176,500 | 4,806 |
| Average equity | $3,627,750 | 4,801 |
| Average total loans | $11,584,750 | 4,772 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8886% | 1,845 |
| Cost of funding earning assets | 0.2143% | 3,613 |
| Net interest margin | 3.6744% | 1,409 |
| Noninterest income to average assets | 0.6997% | 1,808 |
| Noninterest expense to average assets | 1.8615% | 4,051 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.8945% | 596 |
| Return on assets (ROA) | 1.8945% | 623 |
| Pretax return on assets | 1.8945% | 1,033 |
| Return on Equity (ROE) | 15.9518% | 969 |
| Retained earnings to average equity (ytd only) | 10.0602% | 1,374 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5606% | 4,265 |
| Assets per employee ($millions) | 5.2927% | 3,357 |
| Cash dividends to net income (ytd only)* | 36.9338% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7228% | 1,015 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 35.3886% | 4,479 |
| Net loans and leases to deposits | 40.0157% | 4,517 |
| Net loans and leases to core deposits | 40.0157% | 4,581 |
| Total domestic deposits to total assets | 88.4368% | 1,598 |
| Equity capital to assets | 11.5254% | 1,616 |
| Core capital (leverage) ratio | 11.5072% | 1,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $30,297,667 | 4,846 |
| Average earning assets | $25,201,667 | 4,849 |
| Average equity | $3,598,333 | 4,837 |
| Average total loans | $11,613,000 | 4,808 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4762% | 806 |
| Cost of funding earning assets | 0.2365% | 3,593 |
| Net interest margin | 4.2397% | 567 |
| Noninterest income to average assets | 0.7440% | 1,733 |
| Noninterest expense to average assets | 1.9345% | 3,898 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.2050% | 410 |
| Return on assets (ROA) | 2.2050% | 447 |
| Pretax return on assets | 2.2050% | 679 |
| Return on Equity (ROE) | 18.2761% | 696 |
| Retained earnings to average equity (ytd only) | 6.3910% | 2,764 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7320% | 4,424 |
| Assets per employee ($millions) | 5.1772% | 3,453 |
| Cash dividends to net income (ytd only)* | 65.0307% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6674% | 1,121 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 37.4014% | 4,436 |
| Net loans and leases to deposits | 42.2611% | 4,489 |
| Net loans and leases to core deposits | 42.2611% | 4,557 |
| Total domestic deposits to total assets | 88.5008% | 1,606 |
| Equity capital to assets | 11.4541% | 1,570 |
| Core capital (leverage) ratio | 12.0132% | 1,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $29,568,500 | 4,875 |
| Average earning assets | $23,681,000 | 4,885 |
| Average equity | $3,567,500 | 4,862 |
| Average total loans | $11,702,000 | 4,834 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9504% | 2,880 |
| Cost of funding earning assets | 0.3703% | 3,765 |
| Net interest margin | 3.5800% | 2,215 |
| Noninterest income to average assets | 0.9786% | 1,092 |
| Noninterest expense to average assets | 2.5740% | 2,628 |
| Loan and lease loss provision to assets | 0.0411% | 3,885 |
| Net operating income to assets | 1.4638% | 891 |
| Return on assets (ROA) | 1.4638% | 970 |
| Pretax return on assets | 1.4638% | 1,456 |
| Return on Equity (ROE) | 10.1459% | 1,955 |
| Retained earnings to average equity (ytd only) | 4.3605% | 2,616 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1048% | 2,959 |
| Assets per employee ($millions) | 4.6790% | 3,736 |
| Cash dividends to net income (ytd only)* | 57.0225% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6999% | 1,034 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 40.5785% | 4,421 |
| Net loans and leases to deposits | 46.5226% | 4,444 |
| Net loans and leases to core deposits | 46.5226% | 4,534 |
| Total domestic deposits to total assets | 87.2231% | 1,831 |
| Equity capital to assets | 12.7413% | 1,206 |
| Core capital (leverage) ratio | 13.1586% | 858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $24,319,800 | 4,923 |
| Average earning assets | $21,061,200 | 4,917 |
| Average equity | $3,508,800 | 4,880 |
| Average total loans | $12,207,800 | 4,859 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1400% | 2,554 |
| Cost of funding earning assets | 0.3915% | 3,849 |
| Net interest margin | 3.7485% | 1,771 |
| Noninterest income to average assets | 0.9466% | 1,127 |
| Noninterest expense to average assets | 2.4178% | 3,086 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.8590% | 404 |
| Return on assets (ROA) | 1.8590% | 447 |
| Pretax return on assets | 1.8590% | 699 |
| Return on Equity (ROE) | 12.4481% | 1,260 |
| Retained earnings to average equity (ytd only) | 8.5151% | 1,139 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5333% | 3,856 |
| Assets per employee ($millions) | 4.1868% | 4,155 |
| Cash dividends to net income (ytd only)* | 31.5951% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4965% | 1,388 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 48.9988% | 4,155 |
| Net loans and leases to deposits | 57.3846% | 4,193 |
| Net loans and leases to core deposits | 57.3846% | 4,325 |
| Total domestic deposits to total assets | 85.3867% | 2,287 |
| Equity capital to assets | 14.5376% | 719 |
| Core capital (leverage) ratio | 14.4437% | 637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,381,250 | 4,963 |
| Average earning assets | $20,772,250 | 4,950 |
| Average equity | $3,491,750 | 4,907 |
| Average total loans | $12,362,500 | 4,883 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3656% | 2,297 |
| Cost of funding earning assets | 0.4075% | 4,006 |
| Net interest margin | 3.9582% | 1,426 |
| Noninterest income to average assets | 0.9122% | 1,136 |
| Noninterest expense to average assets | 2.5876% | 2,704 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.9034% | 403 |
| Return on assets (ROA) | 1.9034% | 447 |
| Pretax return on assets | 1.9034% | 669 |
| Return on Equity (ROE) | 12.6224% | 1,187 |
| Retained earnings to average equity (ytd only) | 6.6311% | 1,810 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6172% | 3,739 |
| Assets per employee ($millions) | 3.9058% | 4,389 |
| Cash dividends to net income (ytd only)* | 47.4654% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4692% | 1,357 |
| Loan loss allowance to noncurrent loans | 584.3750% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.1365% | 3,839 |
| Noncurrent loans to loans | 0.2514% | 3,479 |
| Net loans and leases to total assets | 53.5140% | 3,914 |
| Net loans and leases to deposits | 63.1375% | 3,947 |
| Net loans and leases to core deposits | 63.1375% | 4,118 |
| Total domestic deposits to total assets | 84.7578% | 2,488 |
| Equity capital to assets | 15.1568% | 596 |
| Core capital (leverage) ratio | 15.0756% | 565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $22,801,333 | 4,993 |
| Average earning assets | $20,615,667 | 4,980 |
| Average equity | $3,438,333 | 4,942 |
| Average total loans | $12,318,000 | 4,915 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0378% | 3,686 |
| Cost of funding earning assets | 0.4230% | 4,266 |
| Net interest margin | 3.6148% | 2,619 |
| Noninterest income to average assets | 0.9251% | 1,012 |
| Noninterest expense to average assets | 2.8286% | 2,347 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4410% | 902 |
| Return on assets (ROA) | 1.4410% | 974 |
| Pretax return on assets | 1.4410% | 1,461 |
| Return on Equity (ROE) | 9.5815% | 1,884 |
| Retained earnings to average equity (ytd only) | -2.6024% | 4,310 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2500% | 2,921 |
| Assets per employee ($millions) | 3.6322% | 4,348 |
| Cash dividends to net income (ytd only)* | 127.1605% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5630% | 1,161 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 54.0403% | 3,988 |
| Net loans and leases to deposits | 64.1589% | 3,975 |
| Net loans and leases to core deposits | 64.1589% | 4,160 |
| Total domestic deposits to total assets | 84.2289% | 2,701 |
| Equity capital to assets | 15.6564% | 641 |
| Core capital (leverage) ratio | 14.9279% | 702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $22,484,500 | 5,041 |
| Average earning assets | $20,803,500 | 5,023 |
| Average equity | $3,381,500 | 4,994 |
| Average total loans | $12,113,000 | 4,963 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9950% | 4,268 |
| Cost of funding earning assets | 0.4153% | 4,393 |
| Net interest margin | 3.5798% | 3,200 |
| Noninterest income to average assets | 1.3011% | 557 |
| Noninterest expense to average assets | 3.0874% | 1,790 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.6140% | 808 |
| Return on assets (ROA) | 1.6140% | 869 |
| Pretax return on assets | 1.6140% | 1,445 |
| Return on Equity (ROE) | 10.9055% | 1,924 |
| Retained earnings to average equity (ytd only) | 3.8292% | 3,059 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6702% | 2,824 |
| Assets per employee ($millions) | 3.8627% | 4,081 |
| Cash dividends to net income (ytd only)* | 64.8876% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5250% | 1,156 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 52.1013% | 4,220 |
| Net loans and leases to deposits | 60.9571% | 4,243 |
| Net loans and leases to core deposits | 60.9571% | 4,397 |
| Total domestic deposits to total assets | 85.4720% | 2,306 |
| Equity capital to assets | 14.4589% | 944 |
| Core capital (leverage) ratio | 15.0038% | 687 |
| Tier 1 risk-based capital ratio | 29.4311% | 496 |
| Total risk-based capital ratio | 30.6825% | 485 |
| Memoranda: | ||
| Average total assets | $22,057,600 | 5,100 |
| Average earning assets | $20,951,000 | 5,079 |
| Average equity | $3,264,400 | 5,057 |
| Average total loans | $12,213,200 | 5,027 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0013% | 4,357 |
| Cost of funding earning assets | 0.4174% | 4,438 |
| Net interest margin | 3.5838% | 3,293 |
| Noninterest income to average assets | 1.2795% | 562 |
| Noninterest expense to average assets | 2.8346% | 2,456 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.8611% | 554 |
| Return on assets (ROA) | 1.8611% | 577 |
| Pretax return on assets | 1.8611% | 958 |
| Return on Equity (ROE) | 12.4993% | 1,443 |
| Retained earnings to average equity (ytd only) | 7.1131% | 1,809 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3651% | 3,570 |
| Assets per employee ($millions) | 3.5928% | 4,405 |
| Cash dividends to net income (ytd only)* | 43.0919% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4896% | 1,273 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 57.3688% | 3,935 |
| Net loans and leases to deposits | 68.1903% | 3,907 |
| Net loans and leases to core deposits | 68.1903% | 4,163 |
| Total domestic deposits to total assets | 84.1304% | 2,776 |
| Equity capital to assets | 15.7582% | 685 |
| Core capital (leverage) ratio | 15.6555% | 615 |
| Tier 1 risk-based capital ratio | 29.9484% | 484 |
| Total risk-based capital ratio | 31.2033% | 477 |
| Memoranda: | ||
| Average total assets | $21,778,000 | 5,180 |
| Average earning assets | $20,759,750 | 5,159 |
| Average equity | $3,242,750 | 5,133 |
| Average total loans | $12,201,000 | 5,105 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9512% | 4,480 |
| Cost of funding earning assets | 0.4028% | 4,494 |
| Net interest margin | 3.5484% | 3,442 |
| Noninterest income to average assets | 1.2997% | 517 |
| Noninterest expense to average assets | 2.8465% | 2,420 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.8397% | 550 |
| Return on assets (ROA) | 1.8397% | 574 |
| Pretax return on assets | 1.8397% | 954 |
| Return on Equity (ROE) | 12.5966% | 1,375 |
| Retained earnings to average equity (ytd only) | 4.3869% | 3,073 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7422% | 3,621 |
| Assets per employee ($millions) | 3.6105% | 4,370 |
| Cash dividends to net income (ytd only)* | 65.1741% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5960% | 1,038 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 53.2244% | 4,277 |
| Net loans and leases to deposits | 62.8406% | 4,289 |
| Net loans and leases to core deposits | 62.8406% | 4,465 |
| Total domestic deposits to total assets | 84.6974% | 2,598 |
| Equity capital to assets | 15.2010% | 770 |
| Core capital (leverage) ratio | 15.1978% | 669 |
| Tier 1 risk-based capital ratio | 30.9598% | 455 |
| Total risk-based capital ratio | 32.2130% | 448 |
| Memoranda: | ||
| Average total assets | $21,851,670 | 5,226 |
| Average earning assets | $20,854,670 | 5,205 |
| Average equity | $3,191,330 | 5,178 |
| Average total loans | $12,083,330 | 5,151 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9067% | 4,540 |
| Cost of funding earning assets | 0.3830% | 4,562 |
| Net interest margin | 3.5237% | 3,526 |
| Noninterest income to average assets | 1.3305% | 482 |
| Noninterest expense to average assets | 2.9709% | 2,073 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.7133% | 712 |
| Return on assets (ROA) | 1.7133% | 738 |
| Pretax return on assets | 1.7133% | 1,180 |
| Return on Equity (ROE) | 11.9726% | 1,536 |
| Retained earnings to average equity (ytd only) | -4.7126% | 4,912 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4241% | 3,332 |
| Assets per employee ($millions) | 3.6285% | 4,430 |
| Cash dividends to net income (ytd only)* | 139.3617% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5543% | 1,170 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 54.4026% | 4,181 |
| Net loans and leases to deposits | 63.6466% | 4,205 |
| Net loans and leases to core deposits | 63.6466% | 4,402 |
| Total domestic deposits to total assets | 85.4761% | 2,495 |
| Equity capital to assets | 14.4274% | 905 |
| Core capital (leverage) ratio | 14.7533% | 752 |
| Tier 1 risk-based capital ratio | 29.4915% | 493 |
| Total risk-based capital ratio | 30.7441% | 484 |
| Memoranda: | ||
| Average total assets | $21,946,000 | 5,279 |
| Average earning assets | $20,887,000 | 5,257 |
| Average equity | $3,140,500 | 5,235 |
| Average total loans | $12,266,500 | 5,203 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9860% | 4,066 |
| Cost of funding earning assets | 0.2932% | 4,603 |
| Net interest margin | 3.6928% | 3,058 |
| Noninterest income to average assets | 1.3169% | 534 |
| Noninterest expense to average assets | 3.0914% | 1,824 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.6543% | 765 |
| Return on assets (ROA) | 1.6543% | 762 |
| Pretax return on assets | 1.6589% | 1,281 |
| Return on Equity (ROE) | 11.6909% | 1,826 |
| Retained earnings to average equity (ytd only) | 4.8984% | 2,827 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0778% | 3,016 |
| Assets per employee ($millions) | 3.6868% | 4,338 |
| Cash dividends to net income (ytd only)* | 58.1006% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4958% | 1,307 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 55.6711% | 4,155 |
| Net loans and leases to deposits | 64.9217% | 4,196 |
| Net loans and leases to core deposits | 64.9217% | 4,412 |
| Total domestic deposits to total assets | 85.7511% | 2,343 |
| Equity capital to assets | 14.1947% | 915 |
| Core capital (leverage) ratio | 14.8590% | 722 |
| Tier 1 risk-based capital ratio | 28.5331% | 538 |
| Total risk-based capital ratio | 29.7846% | 530 |
| Memoranda: | ||
| Average total assets | $21,641,000 | 5,326 |
| Average earning assets | $20,120,400 | 5,312 |
| Average equity | $3,062,200 | 5,278 |
| Average total loans | $12,256,600 | 5,247 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9750% | 4,007 |
| Cost of funding earning assets | 0.2811% | 4,625 |
| Net interest margin | 3.6939% | 3,044 |
| Noninterest income to average assets | 1.2948% | 574 |
| Noninterest expense to average assets | 2.7941% | 2,655 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.9144% | 465 |
| Return on assets (ROA) | 1.9144% | 465 |
| Pretax return on assets | 1.9205% | 785 |
| Return on Equity (ROE) | 13.5401% | 1,251 |
| Retained earnings to average equity (ytd only) | 8.8075% | 1,301 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2641% | 3,923 |
| Assets per employee ($millions) | 3.7203% | 4,280 |
| Cash dividends to net income (ytd only)* | 34.9523% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4916% | 1,376 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 55.3266% | 4,270 |
| Net loans and leases to deposits | 64.5246% | 4,305 |
| Net loans and leases to core deposits | 64.5246% | 4,491 |
| Total domestic deposits to total assets | 85.7450% | 2,302 |
| Equity capital to assets | 14.1699% | 907 |
| Core capital (leverage) ratio | 14.8340% | 742 |
| Tier 1 risk-based capital ratio | 28.6231% | 538 |
| Total risk-based capital ratio | 29.8764% | 530 |
| Memoranda: | ||
| Average total assets | $21,521,000 | 5,396 |
| Average earning assets | $19,924,250 | 5,385 |
| Average equity | $3,042,750 | 5,346 |
| Average total loans | $12,195,250 | 5,312 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9782% | 3,848 |
| Cost of funding earning assets | 0.2754% | 4,598 |
| Net interest margin | 3.7028% | 2,915 |
| Noninterest income to average assets | 1.2892% | 579 |
| Noninterest expense to average assets | 2.8418% | 2,526 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.8538% | 516 |
| Return on assets (ROA) | 1.8538% | 519 |
| Pretax return on assets | 1.8632% | 858 |
| Return on Equity (ROE) | 13.1217% | 1,332 |
| Retained earnings to average equity (ytd only) | 5.9281% | 2,594 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4000% | 3,882 |
| Assets per employee ($millions) | 3.5507% | 4,531 |
| Cash dividends to net income (ytd only)* | 54.8223% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5193% | 1,335 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 56.8954% | 4,089 |
| Net loans and leases to deposits | 66.5002% | 4,141 |
| Net loans and leases to core deposits | 66.5002% | 4,344 |
| Total domestic deposits to total assets | 85.5567% | 2,471 |
| Equity capital to assets | 14.3588% | 847 |
| Core capital (leverage) ratio | 14.7133% | 736 |
| Tier 1 risk-based capital ratio | 28.3554% | 542 |
| Total risk-based capital ratio | 29.6051% | 535 |
| Memoranda: | ||
| Average total assets | $21,254,000 | 5,462 |
| Average earning assets | $19,607,000 | 5,450 |
| Average equity | $3,002,670 | 5,412 |
| Average total loans | $12,081,330 | 5,374 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8353% | 4,123 |
| Cost of funding earning assets | 0.2474% | 4,725 |
| Net interest margin | 3.5879% | 3,229 |
| Noninterest income to average assets | 1.2436% | 602 |
| Noninterest expense to average assets | 3.0336% | 1,986 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4697% | 1,151 |
| Return on assets (ROA) | 1.4697% | 1,150 |
| Pretax return on assets | 1.4885% | 1,708 |
| Return on Equity (ROE) | 10.4892% | 2,176 |
| Retained earnings to average equity (ytd only) | -4.0343% | 5,143 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0833% | 2,989 |
| Assets per employee ($millions) | 4.3016% | 3,485 |
| Cash dividends to net income (ytd only)* | 138.4615% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5758% | 1,218 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6928% | 2,249 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 54.3054% | 4,255 |
| Net loans and leases to deposits | 62.9717% | 4,276 |
| Net loans and leases to core deposits | 62.9717% | 4,493 |
| Total domestic deposits to total assets | 86.2377% | 2,429 |
| Equity capital to assets | 13.6879% | 981 |
| Core capital (leverage) ratio | 14.1362% | 845 |
| Tier 1 risk-based capital ratio | 26.9265% | 619 |
| Total risk-based capital ratio | 28.1781% | 612 |
| Memoranda: | ||
| Average total assets | $21,229,000 | 5,526 |
| Average earning assets | $19,398,500 | 5,513 |
| Average equity | $2,974,500 | 5,471 |
| Average total loans | $11,968,000 | 5,439 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7749% | 4,131 |
| Cost of funding earning assets | 0.2181% | 4,803 |
| Net interest margin | 3.5568% | 3,315 |
| Noninterest income to average assets | 1.3962% | 542 |
| Noninterest expense to average assets | 3.0936% | 1,876 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.5731% | 688 |
| Return on assets (ROA) | 1.5731% | 701 |
| Pretax return on assets | 1.5779% | 1,356 |
| Return on Equity (ROE) | 11.0462% | 1,462 |
| Retained earnings to average equity (ytd only) | 3.6933% | 3,018 |
| Net charge-offs to loans | -0.0500% | 5,185 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2231% | 3,230 |
| Assets per employee ($millions) | 4.1900% | 3,675 |
| Cash dividends to net income (ytd only)* | 66.5653% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5494% | 1,276 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8305% | 1,878 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 56.7160% | 4,127 |
| Net loans and leases to deposits | 66.2430% | 4,167 |
| Net loans and leases to core deposits | 66.2430% | 4,399 |
| Total domestic deposits to total assets | 85.6181% | 2,610 |
| Equity capital to assets | 14.3437% | 820 |
| Core capital (leverage) ratio | 14.6385% | 698 |
| Tier 1 risk-based capital ratio | 26.5613% | 622 |
| Total risk-based capital ratio | 27.8103% | 611 |
| Memoranda: | ||
| Average total assets | $20,914,200 | 5,593 |
| Average earning assets | $19,258,800 | 5,576 |
| Average equity | $2,978,400 | 5,531 |
| Average total loans | $12,002,200 | 5,504 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7788% | 4,075 |
| Cost of funding earning assets | 0.2149% | 4,847 |
| Net interest margin | 3.5639% | 3,281 |
| Noninterest income to average assets | 1.3840% | 551 |
| Noninterest expense to average assets | 2.8509% | 2,562 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.8113% | 459 |
| Return on assets (ROA) | 1.8113% | 469 |
| Pretax return on assets | 1.8113% | 866 |
| Return on Equity (ROE) | 12.7420% | 1,115 |
| Retained earnings to average equity (ytd only) | 7.4027% | 1,489 |
| Net charge-offs to loans | -0.0557% | 5,197 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1491% | 4,021 |
| Assets per employee ($millions) | 4.2692% | 3,524 |
| Cash dividends to net income (ytd only)* | 41.9004% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6165% | 1,199 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8151% | 2,110 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 53.3168% | 4,472 |
| Net loans and leases to deposits | 62.4129% | 4,488 |
| Net loans and leases to core deposits | 62.4129% | 4,689 |
| Total domestic deposits to total assets | 85.4258% | 2,549 |
| Equity capital to assets | 14.4992% | 858 |
| Core capital (leverage) ratio | 15.0073% | 661 |
| Tier 1 risk-based capital ratio | 27.2343% | 609 |
| Total risk-based capital ratio | 28.4835% | 599 |
| Memoranda: | ||
| Average total assets | $20,905,250 | 5,662 |
| Average earning assets | $19,229,750 | 5,641 |
| Average equity | $2,971,750 | 5,597 |
| Average total loans | $11,985,500 | 5,564 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7970% | 3,904 |
| Cost of funding earning assets | 0.2173% | 4,820 |
| Net interest margin | 3.5797% | 3,110 |
| Noninterest income to average assets | 1.4452% | 517 |
| Noninterest expense to average assets | 2.8904% | 2,456 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.8884% | 382 |
| Return on assets (ROA) | 1.8884% | 391 |
| Pretax return on assets | 1.8884% | 678 |
| Return on Equity (ROE) | 13.3758% | 951 |
| Retained earnings to average equity (ytd only) | 5.2548% | 2,546 |
| Net charge-offs to loans | -0.0825% | 5,352 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4839% | 4,249 |
| Assets per employee ($millions) | 4.1022% | 3,783 |
| Cash dividends to net income (ytd only)* | 60.7143% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5924% | 1,275 |
| Loan loss allowance to noncurrent loans | 107.4713% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 0.8483% | 2,090 |
| Noncurrent loans to loans | 1.4817% | 1,272 |
| Net loans and leases to total assets | 56.3405% | 4,191 |
| Net loans and leases to deposits | 66.0834% | 4,217 |
| Net loans and leases to core deposits | 66.0834% | 4,462 |
| Total domestic deposits to total assets | 85.2567% | 2,713 |
| Equity capital to assets | 14.6556% | 780 |
| Core capital (leverage) ratio | 14.5956% | 719 |
| Tier 1 risk-based capital ratio | 26.4719% | 643 |
| Total risk-based capital ratio | 27.7216% | 624 |
| Memoranda: | ||
| Average total assets | $20,758,330 | 5,709 |
| Average earning assets | $19,331,000 | 5,692 |
| Average equity | $2,930,670 | 5,645 |
| Average total loans | $12,124,670 | 5,610 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7079% | 4,100 |
| Cost of funding earning assets | 0.2049% | 4,935 |
| Net interest margin | 3.5030% | 3,264 |
| Noninterest income to average assets | 1.3792% | 556 |
| Noninterest expense to average assets | 2.8541% | 2,604 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.8006% | 445 |
| Return on assets (ROA) | 1.8006% | 459 |
| Pretax return on assets | 1.8006% | 799 |
| Return on Equity (ROE) | 12.9969% | 998 |
| Retained earnings to average equity (ytd only) | -3.4566% | 5,291 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3169% | 4,262 |
| Assets per employee ($millions) | 4.2016% | 3,656 |
| Cash dividends to net income (ytd only)* | 126.5957% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4853% | 1,744 |
| Loan loss allowance to noncurrent loans | 104.0230% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 0.8283% | 2,227 |
| Noncurrent loans to loans | 1.4279% | 1,415 |
| Net loans and leases to total assets | 57.1449% | 4,051 |
| Net loans and leases to deposits | 66.3370% | 4,144 |
| Net loans and leases to core deposits | 66.3370% | 4,408 |
| Total domestic deposits to total assets | 86.1434% | 2,608 |
| Equity capital to assets | 13.7757% | 978 |
| Core capital (leverage) ratio | 13.8685% | 875 |
| Tier 1 risk-based capital ratio | 25.0798% | 765 |
| Total risk-based capital ratio | 26.3312% | 748 |
| Memoranda: | ||
| Average total assets | $20,882,000 | 5,776 |
| Average earning assets | $19,526,000 | 5,757 |
| Average equity | $2,893,000 | 5,708 |
| Average total loans | $12,315,500 | 5,672 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8295% | 3,808 |
| Cost of funding earning assets | 0.2247% | 4,787 |
| Net interest margin | 3.6049% | 3,055 |
| Noninterest income to average assets | 1.3186% | 656 |
| Noninterest expense to average assets | 3.0161% | 2,301 |
| Loan and lease loss provision to assets | 0.0480% | 3,434 |
| Net operating income to assets | 1.5584% | 749 |
| Return on assets (ROA) | 1.5584% | 773 |
| Pretax return on assets | 1.5632% | 1,386 |
| Return on Equity (ROE) | 11.1861% | 1,512 |
| Retained earnings to average equity (ytd only) | 4.0958% | 2,994 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1813% | 3,733 |
| Assets per employee ($millions) | 4.1512% | 3,703 |
| Cash dividends to net income (ytd only)* | 63.3846% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4544% | 1,856 |
| Loan loss allowance to noncurrent loans | 104.0230% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 0.8383% | 2,249 |
| Noncurrent loans to loans | 1.3982% | 1,457 |
| Net loans and leases to total assets | 59.0865% | 3,952 |
| Net loans and leases to deposits | 68.6828% | 4,032 |
| Net loans and leases to core deposits | 68.6828% | 4,347 |
| Total domestic deposits to total assets | 86.0281% | 2,569 |
| Equity capital to assets | 13.9333% | 912 |
| Core capital (leverage) ratio | 13.6427% | 918 |
| Tier 1 risk-based capital ratio | 26.1580% | 692 |
| Total risk-based capital ratio | 27.4074% | 665 |
| Memoranda: | ||
| Average total assets | $20,855,000 | 5,829 |
| Average earning assets | $19,140,800 | 5,817 |
| Average equity | $2,905,400 | 5,766 |
| Average total loans | $12,115,000 | 5,727 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8660% | 3,713 |
| Cost of funding earning assets | 0.2241% | 4,843 |
| Net interest margin | 3.6419% | 2,919 |
| Noninterest income to average assets | 1.3601% | 633 |
| Noninterest expense to average assets | 2.7394% | 3,222 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.9348% | 382 |
| Return on assets (ROA) | 1.9348% | 399 |
| Pretax return on assets | 1.9412% | 645 |
| Return on Equity (ROE) | 13.8888% | 848 |
| Retained earnings to average equity (ytd only) | 9.0300% | 804 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5266% | 4,746 |
| Assets per employee ($millions) | 4.3186% | 3,385 |
| Cash dividends to net income (ytd only)* | 34.9835% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3774% | 2,307 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 56.7036% | 4,228 |
| Net loans and leases to deposits | 66.1016% | 4,333 |
| Net loans and leases to core deposits | 66.1016% | 4,599 |
| Total domestic deposits to total assets | 85.7824% | 2,464 |
| Equity capital to assets | 14.1388% | 986 |
| Core capital (leverage) ratio | 14.4130% | 745 |
| Tier 1 risk-based capital ratio | 26.7681% | 657 |
| Total risk-based capital ratio | 28.0135% | 642 |
| Memoranda: | ||
| Average total assets | $20,879,750 | 5,893 |
| Average earning assets | $19,037,250 | 5,879 |
| Average equity | $2,908,750 | 5,827 |
| Average total loans | $12,032,500 | 5,790 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7884% | 3,994 |
| Cost of funding earning assets | 0.2204% | 4,932 |
| Net interest margin | 3.5681% | 3,223 |
| Noninterest income to average assets | 1.3758% | 607 |
| Noninterest expense to average assets | 2.7807% | 3,089 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.8797% | 413 |
| Return on assets (ROA) | 1.8797% | 434 |
| Pretax return on assets | 1.8894% | 716 |
| Return on Equity (ROE) | 13.5633% | 914 |
| Retained earnings to average equity (ytd only) | 6.1524% | 2,036 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5436% | 4,701 |
| Assets per employee ($millions) | 4.1798% | 3,601 |
| Cash dividends to net income (ytd only)* | 54.6392% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3649% | 2,467 |
| Loan loss allowance to noncurrent loans | 96.6102% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.8469% | 2,477 |
| Noncurrent loans to loans | 1.4128% | 1,572 |
| Net loans and leases to total assets | 59.1272% | 3,995 |
| Net loans and leases to deposits | 68.8834% | 4,096 |
| Net loans and leases to core deposits | 68.8834% | 4,410 |
| Total domestic deposits to total assets | 85.8366% | 2,497 |
| Equity capital to assets | 14.0868% | 992 |
| Core capital (leverage) ratio | 14.0996% | 795 |
| Tier 1 risk-based capital ratio | 25.8536% | 735 |
| Total risk-based capital ratio | 27.1017% | 715 |
| Memoranda: | ||
| Average total assets | $20,642,000 | 5,969 |
| Average earning assets | $19,058,000 | 5,953 |
| Average equity | $2,860,670 | 5,905 |
| Average total loans | $11,905,000 | 5,864 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6766% | 4,404 |
| Cost of funding earning assets | 0.2101% | 5,104 |
| Net interest margin | 3.4665% | 3,600 |
| Noninterest income to average assets | 1.2870% | 663 |
| Noninterest expense to average assets | 2.9639% | 2,505 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5209% | 820 |
| Return on assets (ROA) | 1.5209% | 865 |
| Pretax return on assets | 1.5404% | 1,467 |
| Return on Equity (ROE) | 11.0678% | 1,579 |
| Retained earnings to average equity (ytd only) | -3.9730% | 5,548 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8009% | 3,838 |
| Assets per employee ($millions) | 4.0736% | 3,823 |
| Cash dividends to net income (ytd only)* | 135.8974% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4803% | 2,068 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 55.8769% | 4,272 |
| Net loans and leases to deposits | 64.8934% | 4,350 |
| Net loans and leases to core deposits | 64.8934% | 4,630 |
| Total domestic deposits to total assets | 86.1057% | 2,631 |
| Equity capital to assets | 13.8207% | 1,048 |
| Core capital (leverage) ratio | 13.6364% | 934 |
| Tier 1 risk-based capital ratio | 26.2320% | 720 |
| Total risk-based capital ratio | 27.4852% | 703 |
| Memoranda: | ||
| Average total assets | $20,513,500 | 6,034 |
| Average earning assets | $19,039,500 | 6,016 |
| Average equity | $2,819,000 | 5,964 |
| Average total loans | $11,593,500 | 5,929 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6373% | 4,567 |
| Cost of funding earning assets | 0.1848% | 5,403 |
| Net interest margin | 3.4525% | 3,710 |
| Noninterest income to average assets | 1.4889% | 560 |
| Noninterest expense to average assets | 3.1051% | 2,223 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.5868% | 728 |
| Return on assets (ROA) | 1.5868% | 751 |
| Pretax return on assets | 1.5868% | 1,291 |
| Return on Equity (ROE) | 11.6254% | 1,405 |
| Retained earnings to average equity (ytd only) | 4.7722% | 2,600 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1795% | 3,878 |
| Assets per employee ($millions) | 3.4432% | 4,915 |
| Cash dividends to net income (ytd only)* | 58.9506% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4697% | 2,134 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 55.4916% | 4,338 |
| Net loans and leases to deposits | 64.2961% | 4,448 |
| Net loans and leases to core deposits | 64.2961% | 4,722 |
| Total domestic deposits to total assets | 86.3062% | 2,489 |
| Equity capital to assets | 13.6647% | 1,056 |
| Core capital (leverage) ratio | 13.5867% | 938 |
| Tier 1 risk-based capital ratio | 26.0849% | 738 |
| Total risk-based capital ratio | 27.3368% | 715 |
| Memoranda: | ||
| Average total assets | $20,418,000 | 6,090 |
| Average earning assets | $18,942,600 | 6,069 |
| Average equity | $2,787,000 | 6,023 |
| Average total loans | $11,132,600 | 5,993 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5889% | 4,771 |
| Cost of funding earning assets | 0.1759% | 5,586 |
| Net interest margin | 3.4130% | 3,900 |
| Noninterest income to average assets | 1.4474% | 587 |
| Noninterest expense to average assets | 2.8752% | 2,925 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.7421% | 576 |
| Return on assets (ROA) | 1.7421% | 598 |
| Pretax return on assets | 1.7487% | 996 |
| Return on Equity (ROE) | 12.7667% | 1,180 |
| Retained earnings to average equity (ytd only) | 8.3992% | 1,088 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1813% | 4,544 |
| Assets per employee ($millions) | 4.1088% | 3,686 |
| Cash dividends to net income (ytd only)* | 34.2102% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4780% | 2,249 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 55.4858% | 4,411 |
| Net loans and leases to deposits | 64.6129% | 4,506 |
| Net loans and leases to core deposits | 64.6129% | 4,787 |
| Total domestic deposits to total assets | 85.8742% | 2,601 |
| Equity capital to assets | 14.0576% | 1,001 |
| Core capital (leverage) ratio | 14.1948% | 813 |
| Tier 1 risk-based capital ratio | 25.8418% | 783 |
| Total risk-based capital ratio | 27.0909% | 764 |
| Memoranda: | ||
| Average total assets | $20,357,750 | 6,173 |
| Average earning assets | $18,946,500 | 6,155 |
| Average equity | $2,778,000 | 6,108 |
| Average total loans | $11,007,000 | 6,072 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5258% | 4,921 |
| Cost of funding earning assets | 0.1684% | 5,710 |
| Net interest margin | 3.3574% | 4,070 |
| Noninterest income to average assets | 1.5865% | 513 |
| Noninterest expense to average assets | 2.8972% | 2,905 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.8230% | 491 |
| Return on assets (ROA) | 1.8230% | 513 |
| Pretax return on assets | 1.8329% | 844 |
| Return on Equity (ROE) | 13.4971% | 1,015 |
| Retained earnings to average equity (ytd only) | 6.8580% | 1,766 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2500% | 4,791 |
| Assets per employee ($millions) | 3.8750% | 4,118 |
| Cash dividends to net income (ytd only)* | 49.1892% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5243% | 2,190 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 57.0168% | 4,222 |
| Net loans and leases to deposits | 66.6888% | 4,266 |
| Net loans and leases to core deposits | 66.6888% | 4,599 |
| Total domestic deposits to total assets | 85.4968% | 2,921 |
| Equity capital to assets | 14.4258% | 837 |
| Core capital (leverage) ratio | 13.9243% | 862 |
| Tier 1 risk-based capital ratio | 26.6142% | 736 |
| Total risk-based capital ratio | 27.8615% | 720 |
| Memoranda: | ||
| Average total assets | $20,295,670 | 6,250 |
| Average earning assets | $19,003,000 | 6,231 |
| Average equity | $2,741,330 | 6,178 |
| Average total loans | $10,819,330 | 6,143 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3746% | 5,264 |
| Cost of funding earning assets | 0.1656% | 5,808 |
| Net interest margin | 3.2089% | 4,578 |
| Noninterest income to average assets | 1.7537% | 430 |
| Noninterest expense to average assets | 2.8329% | 3,127 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.8886% | 412 |
| Return on assets (ROA) | 1.8886% | 435 |
| Pretax return on assets | 1.9079% | 708 |
| Return on Equity (ROE) | 14.4410% | 800 |
| Retained earnings to average equity (ytd only) | 1.0315% | 5,059 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7561% | 5,124 |
| Assets per employee ($millions) | 4.0914% | 3,773 |
| Cash dividends to net income (ytd only)* | 92.8571% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5460% | 2,249 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 53.2336% | 4,527 |
| Net loans and leases to deposits | 61.4595% | 4,626 |
| Net loans and leases to core deposits | 61.4595% | 4,875 |
| Total domestic deposits to total assets | 86.6158% | 2,592 |
| Equity capital to assets | 13.3304% | 1,251 |
| Core capital (leverage) ratio | 13.2335% | 1,073 |
| Tier 1 risk-based capital ratio | 26.3153% | 765 |
| Total risk-based capital ratio | 27.5693% | 746 |
| Memoranda: | ||
| Average total assets | $20,756,000 | 6,314 |
| Average earning assets | $19,321,000 | 6,292 |
| Average equity | $2,714,500 | 6,243 |
| Average total loans | $10,620,000 | 6,216 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3770% | 5,574 |
| Cost of funding earning assets | 0.1688% | 5,987 |
| Net interest margin | 3.2081% | 4,891 |
| Noninterest income to average assets | 1.3772% | 647 |
| Noninterest expense to average assets | 2.9629% | 2,960 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.3578% | 1,168 |
| Return on assets (ROA) | 1.3578% | 1,213 |
| Pretax return on assets | 1.3626% | 2,029 |
| Return on Equity (ROE) | 10.5279% | 1,894 |
| Retained earnings to average equity (ytd only) | 3.5720% | 3,682 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4978% | 3,809 |
| Assets per employee ($millions) | 4.2110% | 3,520 |
| Cash dividends to net income (ytd only)* | 66.0714% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6799% | 1,823 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 47.5327% | 5,196 |
| Net loans and leases to deposits | 54.5425% | 5,290 |
| Net loans and leases to core deposits | 54.5425% | 5,476 |
| Total domestic deposits to total assets | 87.1479% | 2,193 |
| Equity capital to assets | 12.8331% | 1,449 |
| Core capital (leverage) ratio | 12.9935% | 1,143 |
| Tier 1 risk-based capital ratio | 27.7387% | 626 |
| Total risk-based capital ratio | 28.9915% | 619 |
| Memoranda: | ||
| Average total assets | $20,622,000 | 6,403 |
| Average earning assets | $18,952,000 | 6,384 |
| Average equity | $2,659,600 | 6,324 |
| Average total loans | $9,850,200 | 6,320 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3333% | 5,700 |
| Cost of funding earning assets | 0.1688% | 6,073 |
| Net interest margin | 3.1645% | 5,080 |
| Noninterest income to average assets | 1.3909% | 641 |
| Noninterest expense to average assets | 2.7298% | 3,714 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.5794% | 788 |
| Return on assets (ROA) | 1.5794% | 815 |
| Pretax return on assets | 1.5859% | 1,369 |
| Return on Equity (ROE) | 12.2307% | 1,421 |
| Retained earnings to average equity (ytd only) | 7.9524% | 1,385 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2530% | 4,675 |
| Assets per employee ($millions) | 4.1938% | 3,497 |
| Cash dividends to net income (ytd only)* | 34.9795% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6709% | 2,066 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 47.9899% | 5,203 |
| Net loans and leases to deposits | 55.3003% | 5,290 |
| Net loans and leases to core deposits | 55.3003% | 5,487 |
| Total domestic deposits to total assets | 86.7805% | 2,428 |
| Equity capital to assets | 13.1527% | 1,349 |
| Core capital (leverage) ratio | 13.3710% | 1,039 |
| Tier 1 risk-based capital ratio | 27.6523% | 666 |
| Total risk-based capital ratio | 28.9129% | 649 |
| Memoranda: | ||
| Average total assets | $20,513,750 | 6,480 |
| Average earning assets | $18,959,750 | 6,459 |
| Average equity | $2,649,000 | 6,398 |
| Average total loans | $9,768,000 | 6,394 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3226% | 5,764 |
| Cost of funding earning assets | 0.1709% | 6,131 |
| Net interest margin | 3.1517% | 5,084 |
| Noninterest income to average assets | 1.3751% | 639 |
| Noninterest expense to average assets | 2.8092% | 3,467 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.4537% | 955 |
| Return on assets (ROA) | 1.4537% | 997 |
| Pretax return on assets | 1.4635% | 1,660 |
| Return on Equity (ROE) | 11.3294% | 1,623 |
| Retained earnings to average equity (ytd only) | 4.8227% | 3,072 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7471% | 4,398 |
| Assets per employee ($millions) | 3.3453% | 5,160 |
| Cash dividends to net income (ytd only)* | 57.4324% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7472% | 1,985 |
| 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 | 47.9075% | 5,178 |
| Net loans and leases to deposits | 55.3184% | 5,252 |
| Net loans and leases to core deposits | 55.3184% | 5,455 |
| Total domestic deposits to total assets | 86.6032% | 2,696 |
| Equity capital to assets | 13.3370% | 1,217 |
| Core capital (leverage) ratio | 13.4046% | 1,014 |
| Tier 1 risk-based capital ratio | 27.9072% | 650 |
| Total risk-based capital ratio | 29.1618% | 636 |
| Memoranda: | ||
| Average total assets | $20,362,000 | 6,546 |
| Average earning assets | $18,720,000 | 6,529 |
| Average equity | $2,612,670 | 6,461 |
| Average total loans | $9,612,670 | 6,461 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2565% | 5,924 |
| Cost of funding earning assets | 0.1725% | 6,212 |
| Net interest margin | 3.0840% | 5,302 |
| Noninterest income to average assets | 1.3459% | 636 |
| Noninterest expense to average assets | 2.9063% | 3,179 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2093% | 1,460 |
| Return on assets (ROA) | 1.2093% | 1,522 |
| Pretax return on assets | 1.2288% | 2,357 |
| Return on Equity (ROE) | 9.6105% | 2,198 |
| Retained earnings to average equity (ytd only) | -3.5652% | 6,018 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2830% | 3,786 |
| Assets per employee ($millions) | 3.3785% | 5,196 |
| Cash dividends to net income (ytd only)* | 137.0968% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8342% | 1,948 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 45.1482% | 5,413 |
| Net loans and leases to deposits | 51.7618% | 5,470 |
| Net loans and leases to core deposits | 51.7618% | 5,635 |
| Total domestic deposits to total assets | 87.2231% | 2,684 |
| Equity capital to assets | 12.7127% | 1,452 |
| Core capital (leverage) ratio | 12.6525% | 1,318 |
| Tier 1 risk-based capital ratio | 28.1862% | 631 |
| Total risk-based capital ratio | 29.4409% | 617 |
| Memoranda: | ||
| Average total assets | $20,507,000 | 6,613 |
| Average earning assets | $18,547,500 | 6,600 |
| Average equity | $2,580,500 | 6,523 |
| Average total loans | $9,525,500 | 6,532 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5355% | 5,567 |
| Cost of funding earning assets | 0.2417% | 6,021 |
| Net interest margin | 3.2938% | 4,689 |
| Noninterest income to average assets | 1.2589% | 874 |
| Noninterest expense to average assets | 3.0194% | 3,001 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1787% | 1,652 |
| Return on assets (ROA) | 1.1787% | 1,708 |
| Pretax return on assets | 1.1787% | 2,660 |
| Return on Equity (ROE) | 9.1326% | 2,476 |
| Retained earnings to average equity (ytd only) | 2.6426% | 4,368 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9235% | 3,488 |
| Assets per employee ($millions) | 3.4572% | 4,985 |
| Cash dividends to net income (ytd only)* | 71.0638% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7578% | 2,201 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 46.0734% | 5,476 |
| Net loans and leases to deposits | 52.6440% | 5,578 |
| Net loans and leases to core deposits | 52.6440% | 5,749 |
| Total domestic deposits to total assets | 87.5187% | 2,468 |
| Equity capital to assets | 12.4572% | 1,535 |
| Core capital (leverage) ratio | 12.6515% | 1,282 |
| Tier 1 risk-based capital ratio | 24.3785% | 915 |
| Total risk-based capital ratio | 25.6357% | 902 |
| Memoranda: | ||
| Average total assets | $19,937,600 | 6,699 |
| Average earning assets | $17,791,200 | 6,685 |
| Average equity | $2,573,200 | 6,611 |
| Average total loans | $9,872,200 | 6,598 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5571% | 5,562 |
| Cost of funding earning assets | 0.2492% | 6,091 |
| Net interest margin | 3.3079% | 4,607 |
| Noninterest income to average assets | 1.1957% | 1,028 |
| Noninterest expense to average assets | 2.8711% | 3,401 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2836% | 1,391 |
| Return on assets (ROA) | 1.2836% | 1,458 |
| Pretax return on assets | 1.2836% | 2,390 |
| Return on Equity (ROE) | 9.8553% | 2,243 |
| Retained earnings to average equity (ytd only) | 5.0831% | 3,018 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1057% | 3,900 |
| Assets per employee ($millions) | 3.3218% | 5,244 |
| Cash dividends to net income (ytd only)* | 48.4191% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6981% | 2,626 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 49.6663% | 5,176 |
| Net loans and leases to deposits | 57.2693% | 5,255 |
| Net loans and leases to core deposits | 57.2693% | 5,513 |
| Total domestic deposits to total assets | 86.7242% | 2,839 |
| Equity capital to assets | 13.2005% | 1,242 |
| Core capital (leverage) ratio | 13.1970% | 1,130 |
| Tier 1 risk-based capital ratio | 24.6923% | 908 |
| Total risk-based capital ratio | 25.9515% | 891 |
| Memoranda: | ||
| Average total assets | $19,736,250 | 6,779 |
| Average earning assets | $17,654,500 | 6,766 |
| Average equity | $2,570,500 | 6,690 |
| Average total loans | $9,908,250 | 6,668 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5965% | 5,445 |
| Cost of funding earning assets | 0.2528% | 6,159 |
| Net interest margin | 3.3437% | 4,408 |
| Noninterest income to average assets | 1.1387% | 1,174 |
| Noninterest expense to average assets | 2.8976% | 3,343 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1997% | 1,597 |
| Return on assets (ROA) | 1.1997% | 1,705 |
| Pretax return on assets | 1.1997% | 2,680 |
| Return on Equity (ROE) | 9.2537% | 2,516 |
| Retained earnings to average equity (ytd only) | 2.0390% | 4,981 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7196% | 3,690 |
| Assets per employee ($millions) | 3.3315% | 5,207 |
| Cash dividends to net income (ytd only)* | 77.9661% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7842% | 2,487 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 47.0909% | 5,419 |
| Net loans and leases to deposits | 54.0356% | 5,517 |
| Net loans and leases to core deposits | 54.0356% | 5,751 |
| Total domestic deposits to total assets | 87.1479% | 2,733 |
| Equity capital to assets | 12.7820% | 1,425 |
| Core capital (leverage) ratio | 12.9613% | 1,182 |
| Tier 1 risk-based capital ratio | 24.8530% | 890 |
| Total risk-based capital ratio | 26.1074% | 873 |
| Memoranda: | ||
| Average total assets | $19,671,330 | 6,832 |
| Average earning assets | $17,406,000 | 6,818 |
| Average equity | $2,550,330 | 6,739 |
| Average total loans | $9,854,330 | 6,716 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5949% | 5,466 |
| Cost of funding earning assets | 0.2765% | 6,123 |
| Net interest margin | 3.3184% | 4,450 |
| Noninterest income to average assets | 0.9635% | 1,572 |
| Noninterest expense to average assets | 2.9110% | 3,307 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0045% | 2,202 |
| Return on assets (ROA) | 1.0045% | 2,318 |
| Pretax return on assets | 1.0045% | 3,328 |
| Return on Equity (ROE) | 7.6923% | 3,120 |
| Retained earnings to average equity (ytd only) | -6.7504% | 6,458 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3455% | 3,204 |
| Assets per employee ($millions) | 3.2692% | 5,503 |
| Cash dividends to net income (ytd only)* | 187.7551% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7341% | 2,864 |
| 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 | 49.4010% | 5,064 |
| Net loans and leases to deposits | 56.7463% | 5,167 |
| Net loans and leases to core deposits | 56.7463% | 5,450 |
| Total domestic deposits to total assets | 87.0558% | 2,928 |
| Equity capital to assets | 12.8677% | 1,488 |
| Core capital (leverage) ratio | 13.0637% | 1,092 |
| Tier 1 risk-based capital ratio | 23.6920% | 1,062 |
| Total risk-based capital ratio | 24.9496% | 1,045 |
| Memoranda: | ||
| Average total assets | $19,512,500 | 6,907 |
| Average earning assets | $17,358,000 | 6,891 |
| Average equity | $2,548,000 | 6,801 |
| Average total loans | $9,989,500 | 6,770 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9953% | 5,325 |
| Cost of funding earning assets | 0.3822% | 6,036 |
| Net interest margin | 3.6131% | 4,032 |
| Noninterest income to average assets | 1.2427% | 1,008 |
| Noninterest expense to average assets | 3.0232% | 3,189 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.3785% | 1,135 |
| Return on assets (ROA) | 1.3785% | 1,254 |
| Pretax return on assets | 1.3785% | 2,115 |
| Return on Equity (ROE) | 10.4200% | 1,994 |
| Retained earnings to average equity (ytd only) | 3.8285% | 3,505 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6833% | 4,024 |
| Assets per employee ($millions) | 3.2350% | 5,549 |
| Cash dividends to net income (ytd only)* | 63.2576% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6901% | 2,965 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 51.2468% | 5,005 |
| Net loans and leases to deposits | 59.1063% | 5,119 |
| Net loans and leases to core deposits | 59.1063% | 5,444 |
| Total domestic deposits to total assets | 86.7027% | 2,992 |
| Equity capital to assets | 13.2509% | 1,328 |
| Core capital (leverage) ratio | 12.8138% | 1,195 |
| Tier 1 risk-based capital ratio | 23.9736% | 977 |
| Total risk-based capital ratio | 25.2244% | 958 |
| Memoranda: | ||
| Average total assets | $19,151,800 | 6,970 |
| Average earning assets | $16,744,600 | 6,962 |
| Average equity | $2,533,600 | 6,874 |
| Average total loans | $9,955,000 | 6,850 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0676% | 5,294 |
| Cost of funding earning assets | 0.4028% | 6,101 |
| Net interest margin | 3.6648% | 3,945 |
| Noninterest income to average assets | 1.2015% | 1,048 |
| Noninterest expense to average assets | 2.8291% | 3,877 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.5507% | 945 |
| Return on assets (ROA) | 1.5507% | 1,045 |
| Pretax return on assets | 1.5507% | 1,721 |
| Return on Equity (ROE) | 11.7270% | 1,731 |
| Retained earnings to average equity (ytd only) | 6.8673% | 2,199 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5933% | 4,699 |
| Assets per employee ($millions) | 3.2900% | 5,458 |
| Cash dividends to net income (ytd only)* | 41.4406% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7146% | 3,099 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 49.6555% | 5,353 |
| Net loans and leases to deposits | 57.3149% | 5,504 |
| Net loans and leases to core deposits | 57.3149% | 5,781 |
| Total domestic deposits to total assets | 86.6363% | 2,891 |
| Equity capital to assets | 13.2624% | 1,470 |
| Core capital (leverage) ratio | 13.5086% | 1,006 |
| Tier 1 risk-based capital ratio | 26.4016% | 793 |
| Total risk-based capital ratio | 27.6578% | 774 |
| Memoranda: | ||
| Average total assets | $19,087,250 | 7,067 |
| Average earning assets | $16,553,250 | 7,059 |
| Average equity | $2,524,000 | 6,966 |
| Average total loans | $9,914,250 | 6,943 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1261% | 5,214 |
| Cost of funding earning assets | 0.4235% | 6,137 |
| Net interest margin | 3.7026% | 3,804 |
| Noninterest income to average assets | 1.0387% | 1,356 |
| Noninterest expense to average assets | 2.7875% | 4,061 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4945% | 1,002 |
| Return on assets (ROA) | 1.4945% | 1,120 |
| Pretax return on assets | 1.4945% | 1,864 |
| Return on Equity (ROE) | 11.3132% | 1,873 |
| Retained earnings to average equity (ytd only) | 3.9315% | 3,998 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0990% | 4,706 |
| Assets per employee ($millions) | 3.0903% | 5,873 |
| Cash dividends to net income (ytd only)* | 65.2482% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6924% | 3,252 |
| Loan loss allowance to noncurrent loans | 814.2857% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.1133% | 6,510 |
| Noncurrent loans to loans | 0.2078% | 6,164 |
| Net loans and leases to total assets | 53.5703% | 4,869 |
| Net loans and leases to deposits | 62.1162% | 4,979 |
| Net loans and leases to core deposits | 62.1162% | 5,377 |
| Total domestic deposits to total assets | 86.2420% | 3,225 |
| Equity capital to assets | 13.6609% | 1,239 |
| Core capital (leverage) ratio | 13.3771% | 1,024 |
| Tier 1 risk-based capital ratio | 25.5260% | 853 |
| Total risk-based capital ratio | 26.7800% | 834 |
| Memoranda: | ||
| Average total assets | $18,869,670 | 7,128 |
| Average earning assets | $16,529,000 | 7,120 |
| Average equity | $2,492,670 | 7,018 |
| Average total loans | $9,894,670 | 7,000 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2009% | 5,102 |
| Cost of funding earning assets | 0.4346% | 6,230 |
| Net interest margin | 3.7663% | 3,534 |
| Noninterest income to average assets | 0.8616% | 1,900 |
| Noninterest expense to average assets | 2.8161% | 3,967 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3240% | 1,388 |
| Return on assets (ROA) | 1.3240% | 1,554 |
| Pretax return on assets | 1.3240% | 2,443 |
| Return on Equity (ROE) | 10.1921% | 2,329 |
| Retained earnings to average equity (ytd only) | -4.6916% | 6,559 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0203% | 4,166 |
| Assets per employee ($millions) | 3.1835% | 5,798 |
| Cash dividends to net income (ytd only)* | 146.0317% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7724% | 3,079 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 49.6152% | 5,362 |
| Net loans and leases to deposits | 56.9977% | 5,485 |
| Net loans and leases to core deposits | 56.9977% | 5,814 |
| Total domestic deposits to total assets | 87.0478% | 2,934 |
| Equity capital to assets | 12.8527% | 1,511 |
| Core capital (leverage) ratio | 12.8900% | 1,167 |
| Tier 1 risk-based capital ratio | 24.7277% | 930 |
| Total risk-based capital ratio | 25.9828% | 918 |
| Memoranda: | ||
| Average total assets | $19,033,500 | 7,184 |
| Average earning assets | $16,568,000 | 7,180 |
| Average equity | $2,472,500 | 7,072 |
| Average total loans | $9,790,000 | 7,072 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5652% | 4,809 |
| Cost of funding earning assets | 0.6286% | 5,933 |
| Net interest margin | 3.9365% | 3,172 |
| Noninterest income to average assets | 1.1865% | 940 |
| Noninterest expense to average assets | 3.1603% | 2,997 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.5473% | 743 |
| Return on assets (ROA) | 1.5473% | 806 |
| Pretax return on assets | 1.5528% | 1,334 |
| Return on Equity (ROE) | 11.6356% | 1,517 |
| Retained earnings to average equity (ytd only) | 4.3582% | 3,076 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0534% | 4,566 |
| Assets per employee ($millions) | 3.1610% | 5,790 |
| Cash dividends to net income (ytd only)* | 62.5442% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7217% | 3,118 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 51.4658% | 5,393 |
| Net loans and leases to deposits | 59.2977% | 5,567 |
| Net loans and leases to core deposits | 59.2977% | 5,906 |
| Total domestic deposits to total assets | 86.7922% | 2,883 |
| Equity capital to assets | 13.1288% | 1,428 |
| Core capital (leverage) ratio | 13.1970% | 1,072 |
| Tier 1 risk-based capital ratio | 24.4381% | 931 |
| Total risk-based capital ratio | 25.6935% | 917 |
| Memoranda: | ||
| Average total assets | $18,289,400 | 7,238 |
| Average earning assets | $16,385,000 | 7,224 |
| Average equity | $2,432,200 | 7,132 |
| Average total loans | $10,280,600 | 7,109 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6404% | 4,707 |
| Cost of funding earning assets | 0.6594% | 5,986 |
| Net interest margin | 3.9809% | 3,001 |
| Noninterest income to average assets | 1.1037% | 1,092 |
| Noninterest expense to average assets | 3.0021% | 3,547 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.6924% | 643 |
| Return on assets (ROA) | 1.6924% | 706 |
| Pretax return on assets | 1.6997% | 1,147 |
| Return on Equity (ROE) | 12.6837% | 1,365 |
| Retained earnings to average equity (ytd only) | 8.4372% | 1,342 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8498% | 5,099 |
| Assets per employee ($millions) | 3.1012% | 5,895 |
| Cash dividends to net income (ytd only)* | 33.4768% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6714% | 3,373 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 54.0657% | 5,153 |
| Net loans and leases to deposits | 62.7456% | 5,320 |
| Net loans and leases to core deposits | 62.7456% | 5,745 |
| Total domestic deposits to total assets | 86.1665% | 3,117 |
| Equity capital to assets | 13.7099% | 1,281 |
| Core capital (leverage) ratio | 13.5116% | 1,042 |
| Tier 1 risk-based capital ratio | 24.5144% | 957 |
| Total risk-based capital ratio | 25.7695% | 940 |
| Memoranda: | ||
| Average total assets | $18,120,250 | 7,318 |
| Average earning assets | $16,377,500 | 7,301 |
| Average equity | $2,417,750 | 7,205 |
| Average total loans | $10,367,750 | 7,176 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5741% | 5,086 |
| Cost of funding earning assets | 0.6849% | 6,042 |
| Net interest margin | 3.8892% | 3,369 |
| Noninterest income to average assets | 1.0358% | 1,238 |
| Noninterest expense to average assets | 3.0738% | 3,352 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.4924% | 903 |
| Return on assets (ROA) | 1.4924% | 965 |
| Pretax return on assets | 1.5035% | 1,522 |
| Return on Equity (ROE) | 11.2922% | 1,701 |
| Retained earnings to average equity (ytd only) | 4.8034% | 3,121 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1533% | 4,672 |
| Assets per employee ($millions) | 3.0225% | 6,032 |
| Cash dividends to net income (ytd only)* | 57.4627% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6452% | 3,515 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 56.3717% | 4,927 |
| Net loans and leases to deposits | 65.2601% | 5,104 |
| Net loans and leases to core deposits | 65.2601% | 5,589 |
| Total domestic deposits to total assets | 86.3799% | 3,108 |
| Equity capital to assets | 13.4988% | 1,295 |
| Core capital (leverage) ratio | 12.9554% | 1,183 |
| Tier 1 risk-based capital ratio | 23.0058% | 1,118 |
| Total risk-based capital ratio | 24.2607% | 1,104 |
| Memoranda: | ||
| Average total assets | $17,958,000 | 7,387 |
| Average earning assets | $16,353,000 | 7,372 |
| Average equity | $2,373,330 | 7,274 |
| Average total loans | $10,413,330 | 7,248 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5506% | 5,167 |
| Cost of funding earning assets | 0.7379% | 5,935 |
| Net interest margin | 3.8127% | 3,552 |
| Noninterest income to average assets | 0.8282% | 1,930 |
| Noninterest expense to average assets | 3.0891% | 3,299 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1864% | 1,558 |
| Return on assets (ROA) | 1.1864% | 1,607 |
| Pretax return on assets | 1.2088% | 2,344 |
| Return on Equity (ROE) | 9.0753% | 2,451 |
| Retained earnings to average equity (ytd only) | -4.1096% | 6,427 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8750% | 3,894 |
| Assets per employee ($millions) | 3.0018% | 6,138 |
| Cash dividends to net income (ytd only)* | 145.2830% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6449% | 3,550 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 56.7709% | 4,854 |
| Net loans and leases to deposits | 65.3313% | 5,074 |
| Net loans and leases to core deposits | 65.3313% | 5,579 |
| Total domestic deposits to total assets | 86.8969% | 3,000 |
| Equity capital to assets | 12.8921% | 1,432 |
| Core capital (leverage) ratio | 13.0113% | 1,115 |
| Tier 1 risk-based capital ratio | 22.1082% | 1,211 |
| Total risk-based capital ratio | 23.3956% | 1,178 |
| Memoranda: | ||
| Average total assets | $17,869,500 | 7,447 |
| Average earning assets | $16,261,500 | 7,429 |
| Average equity | $2,336,000 | 7,331 |
| Average total loans | $10,423,000 | 7,302 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4636% | 2,422 |
| Cost of funding earning assets | 1.1992% | 4,568 |
| Net interest margin | 4.2644% | 1,942 |
| Noninterest income to average assets | 1.2051% | 1,028 |
| Noninterest expense to average assets | 3.3283% | 2,646 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.4977% | 767 |
| Return on assets (ROA) | 1.4977% | 827 |
| Pretax return on assets | 1.5092% | 1,350 |
| Return on Equity (ROE) | 11.1835% | 1,529 |
| Retained earnings to average equity (ytd only) | 2.0567% | 4,435 |
| Net charge-offs to loans | -0.0088% | 7,303 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8019% | 4,405 |
| Assets per employee ($millions) | 2.9547% | 6,201 |
| Cash dividends to net income (ytd only)* | 81.6092% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6364% | 3,444 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 57.9817% | 5,026 |
| Net loans and leases to deposits | 66.9511% | 5,261 |
| Net loans and leases to core deposits | 66.9511% | 5,780 |
| Total domestic deposits to total assets | 86.6031% | 3,029 |
| Equity capital to assets | 13.2559% | 1,276 |
| Core capital (leverage) ratio | 12.7959% | 1,195 |
| Tier 1 risk-based capital ratio | 22.5127% | 1,106 |
| Total risk-based capital ratio | 23.7710% | 1,090 |
| Memoranda: | ||
| Average total assets | $17,426,400 | 7,523 |
| Average earning assets | $14,843,800 | 7,529 |
| Average equity | $2,333,800 | 7,444 |
| Average total loans | $11,304,200 | 7,335 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6287% | 1,954 |
| Cost of funding earning assets | 1.2926% | 4,267 |
| Net interest margin | 4.3361% | 1,729 |
| Noninterest income to average assets | 1.0912% | 1,198 |
| Noninterest expense to average assets | 3.1044% | 3,315 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.6137% | 729 |
| Return on assets (ROA) | 1.6137% | 799 |
| Pretax return on assets | 1.6213% | 1,292 |
| Return on Equity (ROE) | 12.0180% | 1,499 |
| Retained earnings to average equity (ytd only) | 5.5512% | 2,622 |
| Net charge-offs to loans | -0.0115% | 7,286 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6911% | 4,926 |
| Assets per employee ($millions) | 2.9558% | 6,257 |
| Cash dividends to net income (ytd only)* | 53.8091% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5702% | 3,657 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 60.4398% | 4,828 |
| Net loans and leases to deposits | 70.1735% | 5,122 |
| Net loans and leases to core deposits | 70.1735% | 5,726 |
| Total domestic deposits to total assets | 86.1291% | 3,015 |
| Equity capital to assets | 13.6397% | 1,300 |
| Core capital (leverage) ratio | 13.4681% | 1,070 |
| Tier 1 risk-based capital ratio | 21.7950% | 1,237 |
| Total risk-based capital ratio | 23.0428% | 1,214 |
| Memoranda: | ||
| Average total assets | $17,351,000 | 7,621 |
| Average earning assets | $14,544,250 | 7,629 |
| Average equity | $2,329,750 | 7,542 |
| Average total loans | $11,517,750 | 7,428 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7392% | 1,600 |
| Cost of funding earning assets | 1.3586% | 4,136 |
| Net interest margin | 4.3807% | 1,505 |
| Noninterest income to average assets | 1.0103% | 1,352 |
| Noninterest expense to average assets | 3.1470% | 3,109 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.5212% | 873 |
| Return on assets (ROA) | 1.5212% | 935 |
| Pretax return on assets | 1.5328% | 1,470 |
| Return on Equity (ROE) | 11.3913% | 1,628 |
| Retained earnings to average equity (ytd only) | 1.5652% | 5,075 |
| Net charge-offs to loans | -0.0171% | 7,262 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2457% | 4,716 |
| Assets per employee ($millions) | 2.8395% | 6,481 |
| Cash dividends to net income (ytd only)* | 86.2595% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4782% | 4,024 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 66.8956% | 3,638 |
| Net loans and leases to deposits | 77.7422% | 4,034 |
| Net loans and leases to core deposits | 77.7422% | 4,997 |
| Total domestic deposits to total assets | 86.0480% | 3,051 |
| Equity capital to assets | 13.7231% | 1,265 |
| Core capital (leverage) ratio | 13.2211% | 1,134 |
| Tier 1 risk-based capital ratio | 20.6341% | 1,401 |
| Total risk-based capital ratio | 21.8841% | 1,372 |
| Memoranda: | ||
| Average total assets | $17,223,000 | 7,685 |
| Average earning assets | $14,427,000 | 7,696 |
| Average equity | $2,300,000 | 7,607 |
| Average total loans | $11,727,000 | 7,471 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7546% | 1,610 |
| Cost of funding earning assets | 1.3975% | 4,197 |
| Net interest margin | 4.3571% | 1,516 |
| Noninterest income to average assets | 0.8085% | 1,977 |
| Noninterest expense to average assets | 3.0723% | 3,382 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.3860% | 1,106 |
| Return on assets (ROA) | 1.3860% | 1,182 |
| Pretax return on assets | 1.4091% | 1,747 |
| Return on Equity (ROE) | 10.5217% | 1,937 |
| Retained earnings to average equity (ytd only) | -9.2942% | 6,921 |
| Net charge-offs to loans | -0.0339% | 7,232 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5567% | 4,617 |
| Assets per employee ($millions) | 2.8408% | 6,546 |
| Cash dividends to net income (ytd only)* | 188.3333% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4886% | 3,965 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 66.3890% | 3,774 |
| Net loans and leases to deposits | 76.7499% | 4,272 |
| Net loans and leases to core deposits | 76.7499% | 5,162 |
| Total domestic deposits to total assets | 86.5004% | 2,895 |
| Equity capital to assets | 13.2238% | 1,434 |
| Core capital (leverage) ratio | 13.1148% | 1,180 |
| Tier 1 risk-based capital ratio | 19.8776% | 1,546 |
| Total risk-based capital ratio | 21.1289% | 1,512 |
| Memoranda: | ||
| Average total assets | $17,316,000 | 7,785 |
| Average earning assets | $14,597,000 | 7,793 |
| Average equity | $2,281,000 | 7,696 |
| Average total loans | $11,806,500 | 7,558 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1670% | 1,327 |
| Cost of funding earning assets | 1.6006% | 5,021 |
| Net interest margin | 4.5664% | 1,042 |
| Noninterest income to average assets | 1.4029% | 744 |
| Noninterest expense to average assets | 3.4294% | 2,585 |
| Loan and lease loss provision to assets | 0.2098% | 5,662 |
| Net operating income to assets | 1.8346% | 333 |
| Return on assets (ROA) | 1.8346% | 340 |
| Pretax return on assets | 1.8346% | 587 |
| Return on Equity (ROE) | 13.4352% | 882 |
| Retained earnings to average equity (ytd only) | 5.0931% | 1,772 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6506% | 6,030 |
| Assets per employee ($millions) | 2.9312% | 6,385 |
| Cash dividends to net income (ytd only)* | 62.0915% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4019% | 4,228 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 67.9820% | 3,704 |
| Net loans and leases to deposits | 78.4617% | 4,281 |
| Net loans and leases to core deposits | 87.4616% | 5,386 |
| Total domestic deposits to total assets | 86.6435% | 2,682 |
| Equity capital to assets | 13.1233% | 1,460 |
| Core capital (leverage) ratio | 13.3558% | 1,137 |
| Tier 1 risk-based capital ratio | 19.3629% | 1,579 |
| Total risk-based capital ratio | 20.6132% | 1,539 |
| Memoranda: | ||
| Average total assets | $16,679,200 | 7,861 |
| Average earning assets | $14,869,400 | 7,846 |
| Average equity | $2,277,600 | 7,779 |
| Average total loans | $12,121,800 | 7,597 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2921% | 1,152 |
| Cost of funding earning assets | 1.6270% | 5,275 |
| Net interest margin | 4.6651% | 885 |
| Noninterest income to average assets | 1.3615% | 816 |
| Noninterest expense to average assets | 3.1281% | 3,544 |
| Loan and lease loss provision to assets | 0.0810% | 6,557 |
| Net operating income to assets | 2.3502% | 136 |
| Return on assets (ROA) | 2.3502% | 151 |
| Pretax return on assets | 2.3583% | 256 |
| Return on Equity (ROE) | 17.0335% | 546 |
| Retained earnings to average equity (ytd only) | 11.7471% | 375 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1863% | 6,973 |
| Assets per employee ($millions) | 2.7388% | 6,760 |
| Cash dividends to net income (ytd only)* | 31.0350% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2039% | 5,085 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 72.4092% | 2,934 |
| Net loans and leases to deposits | 85.1571% | 3,473 |
| Net loans and leases to core deposits | 94.0038% | 5,017 |
| Total domestic deposits to total assets | 85.0301% | 3,220 |
| Equity capital to assets | 14.6656% | 1,099 |
| Core capital (leverage) ratio | 14.2501% | 1,021 |
| Tier 1 risk-based capital ratio | 20.7427% | 1,410 |
| Total risk-based capital ratio | 21.9894% | 1,372 |
| Memoranda: | ||
| Average total assets | $16,452,250 | 7,946 |
| Average earning assets | $14,833,000 | 7,928 |
| Average equity | $2,270,000 | 7,857 |
| Average total loans | $12,120,750 | 7,667 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3043% | 1,197 |
| Cost of funding earning assets | 1.6704% | 5,419 |
| Net interest margin | 4.6339% | 900 |
| Noninterest income to average assets | 1.2638% | 954 |
| Noninterest expense to average assets | 3.1594% | 3,473 |
| Loan and lease loss provision to assets | 0.1215% | 5,902 |
| Net operating income to assets | 2.1508% | 215 |
| Return on assets (ROA) | 2.1508% | 237 |
| Pretax return on assets | 2.1630% | 388 |
| Return on Equity (ROE) | 15.9221% | 708 |
| Retained earnings to average equity (ytd only) | 7.8261% | 1,269 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0357% | 6,861 |
| Assets per employee ($millions) | 2.7310% | 6,773 |
| Cash dividends to net income (ytd only)* | 50.8475% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1828% | 5,057 |
| Loan loss allowance to noncurrent loans | 14,500.0000% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 7,637 |
| Noncurrent loans to loans | 0.0082% | 7,545 |
| Net loans and leases to total assets | 73.9290% | 2,717 |
| Net loans and leases to deposits | 86.2022% | 3,514 |
| Net loans and leases to core deposits | 95.0863% | 4,999 |
| Total domestic deposits to total assets | 85.7622% | 2,898 |
| Equity capital to assets | 13.8899% | 1,346 |
| Core capital (leverage) ratio | 13.5684% | 1,250 |
| Tier 1 risk-based capital ratio | 19.1161% | 1,757 |
| Total risk-based capital ratio | 20.3237% | 1,717 |
| Memoranda: | ||
| Average total assets | $16,458,670 | 8,031 |
| Average earning assets | $14,847,000 | 8,009 |
| Average equity | $2,223,330 | 7,953 |
| Average total loans | $12,146,330 | 7,747 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1637% | 1,716 |
| Cost of funding earning assets | 1.7455% | 5,379 |
| Net interest margin | 4.4182% | 1,304 |
| Noninterest income to average assets | 1.2852% | 866 |
| Noninterest expense to average assets | 2.9827% | 3,848 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.2067% | 229 |
| Return on assets (ROA) | 2.2067% | 265 |
| Pretax return on assets | 2.2310% | 415 |
| Return on Equity (ROE) | 16.5680% | 744 |
| Retained earnings to average equity (ytd only) | 0.1821% | 5,583 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2093% | 6,803 |
| Assets per employee ($millions) | 2.7588% | 6,745 |
| Cash dividends to net income (ytd only)* | 98.9011% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1184% | 5,339 |
| Loan loss allowance to noncurrent loans | 13,500.0000% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 7,631 |
| Noncurrent loans to loans | 0.0083% | 7,548 |
| Net loans and leases to total assets | 72.1078% | 3,222 |
| Net loans and leases to deposits | 83.4277% | 4,071 |
| Net loans and leases to core deposits | 91.8154% | 5,362 |
| Total domestic deposits to total assets | 86.4315% | 2,488 |
| Equity capital to assets | 13.2544% | 1,638 |
| Core capital (leverage) ratio | 13.2139% | 1,413 |
| Tier 1 risk-based capital ratio | 18.7086% | 1,879 |
| Total risk-based capital ratio | 19.8850% | 1,848 |
| Memoranda: | ||
| Average total assets | $16,495,000 | 8,080 |
| Average earning assets | $14,666,500 | 8,068 |
| Average equity | $2,197,000 | 8,013 |
| Average total loans | $12,090,000 | 7,798 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6500% | 2,245 |
| Cost of funding earning assets | 2.1799% | 5,682 |
| Net interest margin | 4.4701% | 1,490 |
| Noninterest income to average assets | 1.3299% | 819 |
| Noninterest expense to average assets | 3.4000% | 2,681 |
| Loan and lease loss provision to assets | 0.0376% | 6,940 |
| Net operating income to assets | 1.9572% | 391 |
| Return on assets (ROA) | 1.9572% | 374 |
| Pretax return on assets | 1.9572% | 683 |
| Return on Equity (ROE) | 14.7225% | 968 |
| Retained earnings to average equity (ytd only) | 4.5300% | 2,305 |
| Net charge-offs to loans | 0.0431% | 6,169 |
| Credit loss provision to net charge-offs | 120.0000% | 4,475 |
| Earnings coverage of net charge-offs (x) | 63.6000% | 637 |
| Efficiency ratio | 63.0233% | 5,772 |
| Assets per employee ($millions) | 2.7395% | 6,699 |
| Cash dividends to net income (ytd only)* | 69.2308% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1149% | 5,163 |
| Loan loss allowance to noncurrent loans | 110.6557% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 0.7848% | 4,888 |
| Noncurrent loans to loans | 1.0075% | 4,573 |
| Net loans and leases to total assets | 72.8478% | 3,401 |
| Net loans and leases to deposits | 84.3893% | 4,365 |
| Net loans and leases to core deposits | 89.8342% | 5,814 |
| Total domestic deposits to total assets | 86.3235% | 2,251 |
| Equity capital to assets | 13.3844% | 1,637 |
| Core capital (leverage) ratio | 13.2456% | 1,463 |
| Tier 1 risk-based capital ratio | 18.4215% | 1,933 |
| Total risk-based capital ratio | 19.5809% | 1,902 |
| Memoranda: | ||
| Average total assets | $15,941,000 | 8,137 |
| Average earning assets | $14,496,200 | 8,119 |
| Average equity | $2,119,200 | 8,098 |
| Average total loans | $11,589,200 | 7,857 |