Home > State Bank of Saunemin > Performance and Condition Ratios
State Bank of Saunemin, Performance and Condition Ratios
| 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 | 2.6612% | 4,347 |
| Cost of funding earning assets | 0.3041% | 2,374 |
| Net interest margin | 2.3571% | 4,359 |
| Noninterest income to average assets | 0.6594% | 1,907 |
| Noninterest expense to average assets | 1.8605% | 4,028 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9148% | 2,989 |
| Return on assets (ROA) | 0.9560% | 2,917 |
| Pretax return on assets | 0.9683% | 3,340 |
| Return on Equity (ROE) | 8.0366% | 3,211 |
| Retained earnings to average equity (ytd only) | 5.2547% | 2,690 |
| 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 | 66.7546% | 2,156 |
| Assets per employee ($millions) | 6.2534% | 2,524 |
| Cash dividends to net income (ytd only)* | 34.6154% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3821% | 1,991 |
| 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 | 43.3591% | 3,885 |
| Net loans and leases to deposits | 48.8006% | 3,956 |
| Net loans and leases to core deposits | 49.1226% | 4,048 |
| Total domestic deposits to total assets | 88.8495% | 1,596 |
| Equity capital to assets | 11.0888% | 1,745 |
| Core capital (leverage) ratio | 11.4130% | 1,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,794,600 | 4,654 |
| Average earning assets | $36,825,400 | 4,651 |
| Average equity | $4,852,800 | 4,645 |
| Average total loans | $19,152,000 | 4,584 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6296% | 4,479 |
| Cost of funding earning assets | 0.3119% | 2,479 |
| Net interest margin | 2.3177% | 4,477 |
| Noninterest income to average assets | 0.8589% | 1,355 |
| Noninterest expense to average assets | 1.8776% | 3,997 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1086% | 2,524 |
| Return on assets (ROA) | 1.1652% | 2,367 |
| Pretax return on assets | 1.1652% | 3,035 |
| Return on Equity (ROE) | 9.6168% | 2,875 |
| Retained earnings to average equity (ytd only) | 6.5944% | 2,578 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8763% | 2,558 |
| Assets per employee ($millions) | 5.7391% | 2,947 |
| Cash dividends to net income (ytd only)* | 31.4286% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4091% | 1,985 |
| 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 | 46.3260% | 3,765 |
| Net loans and leases to deposits | 52.8992% | 3,818 |
| Net loans and leases to core deposits | 53.2854% | 3,965 |
| Total domestic deposits to total assets | 87.5741% | 2,078 |
| Equity capital to assets | 12.3488% | 1,239 |
| Core capital (leverage) ratio | 11.7360% | 1,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,049,750 | 4,729 |
| Average earning assets | $36,760,000 | 4,717 |
| Average equity | $4,852,500 | 4,715 |
| Average total loans | $19,128,500 | 4,649 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6280% | 4,521 |
| Cost of funding earning assets | 0.3230% | 2,559 |
| Net interest margin | 2.3050% | 4,513 |
| Noninterest income to average assets | 1.0548% | 985 |
| Noninterest expense to average assets | 1.8896% | 3,991 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2697% | 1,953 |
| Return on assets (ROA) | 1.3547% | 1,775 |
| Pretax return on assets | 1.3547% | 2,460 |
| Return on Equity (ROE) | 11.2534% | 2,317 |
| Retained earnings to average equity (ytd only) | 7.7237% | 2,186 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8101% | 3,041 |
| Assets per employee ($millions) | 5.7994% | 2,810 |
| Cash dividends to net income (ytd only)* | 31.3653% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4508% | 1,763 |
| 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 | 44.5093% | 4,012 |
| Net loans and leases to deposits | 50.7043% | 4,066 |
| Net loans and leases to core deposits | 51.0683% | 4,182 |
| Total domestic deposits to total assets | 87.7820% | 1,942 |
| Equity capital to assets | 12.0504% | 1,337 |
| Core capital (leverage) ratio | 11.4907% | 1,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,008,333 | 4,761 |
| Average earning assets | $36,529,667 | 4,751 |
| Average equity | $4,816,333 | 4,745 |
| Average total loans | $19,212,333 | 4,681 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7008% | 4,477 |
| Cost of funding earning assets | 0.3307% | 2,702 |
| Net interest margin | 2.3701% | 4,446 |
| Noninterest income to average assets | 0.5137% | 2,550 |
| Noninterest expense to average assets | 2.0043% | 3,706 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6748% | 3,771 |
| Return on assets (ROA) | 0.6748% | 3,837 |
| Pretax return on assets | 0.6748% | 4,067 |
| Return on Equity (ROE) | 5.6085% | 3,966 |
| Retained earnings to average equity (ytd only) | 1.8416% | 4,045 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8120% | 1,239 |
| Assets per employee ($millions) | 5.8929% | 2,707 |
| Cash dividends to net income (ytd only)* | 67.1642% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3185% | 2,354 |
| 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 | 48.2618% | 3,786 |
| Net loans and leases to deposits | 54.8249% | 3,886 |
| Net loans and leases to core deposits | 56.1136% | 3,964 |
| Total domestic deposits to total assets | 88.0291% | 1,829 |
| Equity capital to assets | 11.5370% | 1,522 |
| Core capital (leverage) ratio | 11.0570% | 1,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,714,500 | 4,788 |
| Average earning assets | $36,285,000 | 4,776 |
| Average equity | $4,778,500 | 4,766 |
| Average total loans | $19,651,000 | 4,702 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5058% | 4,026 |
| Cost of funding earning assets | 0.5436% | 2,649 |
| Net interest margin | 2.9621% | 3,979 |
| Noninterest income to average assets | 0.2571% | 3,940 |
| Noninterest expense to average assets | 1.9284% | 4,269 |
| Loan and lease loss provision to assets | -0.4553% | 4,996 |
| Net operating income to assets | 1.4838% | 848 |
| Return on assets (ROA) | 1.4838% | 917 |
| Pretax return on assets | 1.4838% | 1,392 |
| Return on Equity (ROE) | 12.0534% | 1,307 |
| Retained earnings to average equity (ytd only) | 8.0284% | 1,044 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2174% | 2,647 |
| Assets per employee ($millions) | 5.4541% | 2,888 |
| Cash dividends to net income (ytd only)* | 33.3935% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3906% | 2,009 |
| 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 | 49.4041% | 3,870 |
| Net loans and leases to deposits | 56.5509% | 3,965 |
| Net loans and leases to core deposits | 57.9977% | 4,054 |
| Total domestic deposits to total assets | 87.3622% | 1,761 |
| Equity capital to assets | 12.5671% | 1,287 |
| Core capital (leverage) ratio | 11.7629% | 1,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $37,337,600 | 4,801 |
| Average earning assets | $34,029,800 | 4,795 |
| Average equity | $4,596,200 | 4,793 |
| Average total loans | $19,811,200 | 4,721 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6277% | 3,955 |
| Cost of funding earning assets | 0.5757% | 2,766 |
| Net interest margin | 3.0520% | 3,858 |
| Noninterest income to average assets | 0.2119% | 4,207 |
| Noninterest expense to average assets | 1.9500% | 4,255 |
| Loan and lease loss provision to assets | -0.6114% | 5,029 |
| Net operating income to assets | 1.6519% | 642 |
| Return on assets (ROA) | 1.6519% | 716 |
| Pretax return on assets | 1.6519% | 1,065 |
| Return on Equity (ROE) | 13.4921% | 978 |
| Retained earnings to average equity (ytd only) | 8.0659% | 1,286 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1861% | 2,562 |
| Assets per employee ($millions) | 5.4503% | 2,752 |
| Cash dividends to net income (ytd only)* | 40.2174% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2704% | 2,293 |
| 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 | 54.1833% | 3,786 |
| Net loans and leases to deposits | 61.9293% | 3,939 |
| Net loans and leases to core deposits | 63.5084% | 4,031 |
| Total domestic deposits to total assets | 87.4921% | 1,456 |
| Equity capital to assets | 12.3034% | 1,512 |
| Core capital (leverage) ratio | 11.7448% | 1,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $37,127,250 | 4,830 |
| Average earning assets | $33,812,750 | 4,826 |
| Average equity | $4,545,750 | 4,822 |
| Average total loans | $19,982,000 | 4,749 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7918% | 3,876 |
| Cost of funding earning assets | 0.6031% | 2,943 |
| Net interest margin | 3.1887% | 3,702 |
| Noninterest income to average assets | 0.2229% | 4,155 |
| Noninterest expense to average assets | 1.9682% | 4,296 |
| Loan and lease loss provision to assets | -0.9243% | 5,064 |
| Net operating income to assets | 2.0823% | 277 |
| Return on assets (ROA) | 2.0823% | 312 |
| Pretax return on assets | 2.0823% | 465 |
| Return on Equity (ROE) | 17.0361% | 450 |
| Retained earnings to average equity (ytd only) | 10.3640% | 721 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9565% | 2,962 |
| Assets per employee ($millions) | 5.3256% | 2,807 |
| Cash dividends to net income (ytd only)* | 39.1645% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2853% | 2,076 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 54.8003% | 3,803 |
| Net loans and leases to deposits | 62.8024% | 3,964 |
| Net loans and leases to core deposits | 63.9385% | 4,078 |
| Total domestic deposits to total assets | 87.2582% | 1,519 |
| Equity capital to assets | 12.5406% | 1,358 |
| Core capital (leverage) ratio | 11.9926% | 1,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $36,785,667 | 4,854 |
| Average earning assets | $33,493,667 | 4,851 |
| Average equity | $4,496,333 | 4,854 |
| Average total loans | $19,663,333 | 4,779 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0214% | 3,730 |
| Cost of funding earning assets | 0.6400% | 3,223 |
| Net interest margin | 3.3814% | 3,358 |
| Noninterest income to average assets | 0.0876% | 4,874 |
| Noninterest expense to average assets | 2.1457% | 4,123 |
| Loan and lease loss provision to assets | -1.8610% | 5,113 |
| Net operating income to assets | 2.8682% | 78 |
| Return on assets (ROA) | 2.9010% | 76 |
| Pretax return on assets | 2.9010% | 103 |
| Return on Equity (ROE) | 24.0526% | 79 |
| Retained earnings to average equity (ytd only) | 16.9730% | 115 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0556% | 2,655 |
| Assets per employee ($millions) | 5.1331% | 2,494 |
| Cash dividends to net income (ytd only)* | 29.4340% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4807% | 1,409 |
| 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 | 49.2569% | 4,275 |
| Net loans and leases to deposits | 56.5337% | 4,347 |
| Net loans and leases to core deposits | 56.5337% | 4,478 |
| Total domestic deposits to total assets | 87.1285% | 1,506 |
| Equity capital to assets | 12.7491% | 1,590 |
| Core capital (leverage) ratio | 12.1457% | 1,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $36,539,000 | 4,899 |
| Average earning assets | $33,122,500 | 4,888 |
| Average equity | $4,407,000 | 4,901 |
| Average total loans | $19,147,500 | 4,826 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8463% | 4,511 |
| Cost of funding earning assets | 0.6564% | 3,381 |
| Net interest margin | 3.1899% | 4,205 |
| Noninterest income to average assets | 0.1252% | 4,838 |
| Noninterest expense to average assets | 2.0454% | 4,456 |
| Loan and lease loss provision to assets | 0.4397% | 315 |
| Net operating income to assets | 0.6289% | 4,074 |
| Return on assets (ROA) | 0.7041% | 3,922 |
| Pretax return on assets | 0.7041% | 4,205 |
| Return on Equity (ROE) | 6.2168% | 3,844 |
| Retained earnings to average equity (ytd only) | 3.1453% | 3,453 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6836% | 2,822 |
| Assets per employee ($millions) | 5.3066% | 2,240 |
| Cash dividends to net income (ytd only)* | 49.4071% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1446% | 365 |
| 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 | 53.5562% | 4,104 |
| Net loans and leases to deposits | 60.5141% | 4,265 |
| Net loans and leases to core deposits | 60.5141% | 4,419 |
| Total domestic deposits to total assets | 88.5021% | 887 |
| Equity capital to assets | 11.3956% | 2,631 |
| Core capital (leverage) ratio | 11.5095% | 2,103 |
| Tier 1 risk-based capital ratio | 14.7881% | 2,871 |
| Total risk-based capital ratio | 16.0385% | 2,798 |
| Memoranda: | ||
| Average total assets | $35,933,800 | 4,956 |
| Average earning assets | $33,668,600 | 4,935 |
| Average equity | $4,069,600 | 4,985 |
| Average total loans | $20,716,200 | 4,851 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9134% | 4,515 |
| Cost of funding earning assets | 0.6555% | 3,426 |
| Net interest margin | 3.2578% | 4,170 |
| Noninterest income to average assets | 0.1235% | 4,909 |
| Noninterest expense to average assets | 2.0020% | 4,548 |
| Loan and lease loss provision to assets | 0.5912% | 194 |
| Net operating income to assets | 0.6174% | 4,252 |
| Return on assets (ROA) | 0.7185% | 4,023 |
| Pretax return on assets | 0.7185% | 4,303 |
| Return on Equity (ROE) | 6.3541% | 3,937 |
| Retained earnings to average equity (ytd only) | 2.2173% | 4,198 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3543% | 3,271 |
| Assets per employee ($millions) | 5.0343% | 2,517 |
| Cash dividends to net income (ytd only)* | 65.1041% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1566% | 355 |
| 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 | 56.1322% | 4,038 |
| Net loans and leases to deposits | 63.8076% | 4,182 |
| Net loans and leases to core deposits | 63.8076% | 4,380 |
| Total domestic deposits to total assets | 87.9711% | 1,048 |
| Equity capital to assets | 11.8360% | 2,386 |
| Core capital (leverage) ratio | 11.5605% | 2,176 |
| Tier 1 risk-based capital ratio | 15.0953% | 2,802 |
| Total risk-based capital ratio | 16.3465% | 2,736 |
| Memoranda: | ||
| Average total assets | $35,630,750 | 5,037 |
| Average earning assets | $33,763,750 | 5,010 |
| Average equity | $4,028,750 | 5,061 |
| Average total loans | $20,812,750 | 4,918 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8658% | 4,612 |
| Cost of funding earning assets | 0.6482% | 3,421 |
| Net interest margin | 3.2176% | 4,326 |
| Noninterest income to average assets | 0.1063% | 5,010 |
| Noninterest expense to average assets | 2.0190% | 4,576 |
| Loan and lease loss provision to assets | 0.0224% | 3,359 |
| Net operating income to assets | 1.1185% | 2,447 |
| Return on assets (ROA) | 1.1185% | 2,523 |
| Pretax return on assets | 1.1185% | 3,178 |
| Return on Equity (ROE) | 10.0469% | 2,361 |
| Retained earnings to average equity (ytd only) | 3.7676% | 3,370 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8938% | 3,149 |
| Assets per employee ($millions) | 5.0596% | 2,405 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3694% | 1,739 |
| 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 | 57.3482% | 3,975 |
| Net loans and leases to deposits | 65.0868% | 4,152 |
| Net loans and leases to core deposits | 65.0868% | 4,360 |
| Total domestic deposits to total assets | 88.1102% | 1,050 |
| Equity capital to assets | 11.7260% | 2,409 |
| Core capital (leverage) ratio | 11.7380% | 1,995 |
| Tier 1 risk-based capital ratio | 15.0916% | 2,793 |
| Total risk-based capital ratio | 16.1274% | 2,809 |
| Memoranda: | ||
| Average total assets | $35,761,000 | 5,073 |
| Average earning assets | $33,938,670 | 5,049 |
| Average equity | $3,981,330 | 5,106 |
| Average total loans | $21,011,330 | 4,955 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7812% | 4,730 |
| Cost of funding earning assets | 0.6459% | 3,339 |
| Net interest margin | 3.1354% | 4,522 |
| Noninterest income to average assets | 0.1225% | 4,995 |
| Noninterest expense to average assets | 2.1484% | 4,376 |
| Loan and lease loss provision to assets | 0.0334% | 2,964 |
| Net operating income to assets | 0.9128% | 3,186 |
| Return on assets (ROA) | 0.9128% | 3,226 |
| Pretax return on assets | 0.9128% | 3,721 |
| Return on Equity (ROE) | 8.4200% | 3,071 |
| Retained earnings to average equity (ytd only) | 2.7724% | 3,828 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4245% | 2,438 |
| Assets per employee ($millions) | 5.1043% | 2,394 |
| Cash dividends to net income (ytd only)* | 67.0732% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3245% | 1,978 |
| Loan loss allowance to noncurrent loans | 28,100.0000% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 4,883 |
| Noncurrent loans to loans | 0.0047% | 4,785 |
| Net loans and leases to total assets | 58.5922% | 3,825 |
| Net loans and leases to deposits | 66.0348% | 4,050 |
| Net loans and leases to core deposits | 66.0348% | 4,276 |
| Total domestic deposits to total assets | 88.7294% | 985 |
| Equity capital to assets | 11.1587% | 2,699 |
| Core capital (leverage) ratio | 11.4233% | 2,194 |
| Tier 1 risk-based capital ratio | 14.6763% | 3,021 |
| Total risk-based capital ratio | 15.6926% | 3,053 |
| Memoranda: | ||
| Average total assets | $35,933,000 | 5,126 |
| Average earning assets | $34,063,000 | 5,099 |
| Average equity | $3,895,500 | 5,162 |
| Average total loans | $21,220,500 | 5,010 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6579% | 4,730 |
| Cost of funding earning assets | 0.4348% | 3,771 |
| Net interest margin | 3.2231% | 4,439 |
| Noninterest income to average assets | 0.1250% | 5,058 |
| Noninterest expense to average assets | 1.9974% | 4,756 |
| Loan and lease loss provision to assets | 0.0333% | 3,528 |
| Net operating income to assets | 1.1302% | 2,473 |
| Return on assets (ROA) | 1.0807% | 2,671 |
| Pretax return on assets | 1.0918% | 3,302 |
| Return on Equity (ROE) | 10.6488% | 2,225 |
| Retained earnings to average equity (ytd only) | 5.3107% | 2,591 |
| Net charge-offs to loans | -0.0049% | 4,351 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9597% | 3,352 |
| Assets per employee ($millions) | 5.1623% | 2,313 |
| Cash dividends to net income (ytd only)* | 50.1285% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3098% | 1,991 |
| 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 | 57.9671% | 3,966 |
| Net loans and leases to deposits | 65.7594% | 4,136 |
| Net loans and leases to core deposits | 65.7594% | 4,372 |
| Total domestic deposits to total assets | 88.1503% | 1,235 |
| Equity capital to assets | 10.5269% | 3,153 |
| Core capital (leverage) ratio | 11.3948% | 2,181 |
| Tier 1 risk-based capital ratio | 16.5301% | 2,231 |
| Total risk-based capital ratio | 17.6690% | 2,206 |
| Memoranda: | ||
| Average total assets | $35,996,000 | 5,157 |
| Average earning assets | $34,035,600 | 5,133 |
| Average equity | $3,653,000 | 5,217 |
| Average total loans | $20,282,200 | 5,068 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5839% | 4,828 |
| Cost of funding earning assets | 0.4143% | 3,758 |
| Net interest margin | 3.1696% | 4,574 |
| Noninterest income to average assets | 0.1075% | 5,189 |
| Noninterest expense to average assets | 1.9465% | 4,827 |
| Loan and lease loss provision to assets | 0.0334% | 3,349 |
| Net operating income to assets | 1.1345% | 2,514 |
| Return on assets (ROA) | 1.1197% | 2,592 |
| Pretax return on assets | 1.1197% | 3,322 |
| Return on Equity (ROE) | 11.1378% | 2,124 |
| Retained earnings to average equity (ytd only) | 3.9461% | 3,800 |
| Net charge-offs to loans | -0.0200% | 4,620 |
| Credit loss provision to net charge-offs | -300.0000% | 4,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5000% | 3,430 |
| Assets per employee ($millions) | 5.0091% | 2,456 |
| Cash dividends to net income (ytd only)* | 64.5681% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3802% | 1,784 |
| Loan loss allowance to noncurrent loans | 282.6531% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.2795% | 3,566 |
| Noncurrent loans to loans | 0.4883% | 2,924 |
| Net loans and leases to total assets | 56.4454% | 4,174 |
| Net loans and leases to deposits | 63.0038% | 4,391 |
| Net loans and leases to core deposits | 63.0038% | 4,572 |
| Total domestic deposits to total assets | 89.5905% | 644 |
| Equity capital to assets | 10.2841% | 3,356 |
| Core capital (leverage) ratio | 11.1563% | 2,451 |
| Tier 1 risk-based capital ratio | 16.7409% | 2,185 |
| Total risk-based capital ratio | 17.9158% | 2,164 |
| Memoranda: | ||
| Average total assets | $35,961,000 | 5,221 |
| Average earning assets | $34,114,750 | 5,194 |
| Average equity | $3,615,250 | 5,289 |
| Average total loans | $20,046,500 | 5,134 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4896% | 4,940 |
| Cost of funding earning assets | 0.4033% | 3,696 |
| Net interest margin | 3.0863% | 4,755 |
| Noninterest income to average assets | 0.1048% | 5,257 |
| Noninterest expense to average assets | 1.9250% | 4,926 |
| Loan and lease loss provision to assets | 0.0331% | 3,256 |
| Net operating income to assets | 1.0590% | 2,760 |
| Return on assets (ROA) | 1.0590% | 2,761 |
| Pretax return on assets | 1.0590% | 3,479 |
| Return on Equity (ROE) | 10.6126% | 2,274 |
| Retained earnings to average equity (ytd only) | 2.0451% | 4,441 |
| Net charge-offs to loans | -0.0299% | 4,734 |
| Credit loss provision to net charge-offs | -200.0000% | 4,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8026% | 3,343 |
| Assets per employee ($millions) | 5.1021% | 2,290 |
| Cash dividends to net income (ytd only)* | 80.7292% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4000% | 1,741 |
| Loan loss allowance to noncurrent loans | 122.3214% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 0.6272% | 2,338 |
| Noncurrent loans to loans | 1.1446% | 1,532 |
| Net loans and leases to total assets | 54.0305% | 4,335 |
| Net loans and leases to deposits | 60.2749% | 4,512 |
| Net loans and leases to core deposits | 60.2749% | 4,691 |
| Total domestic deposits to total assets | 89.6402% | 691 |
| Equity capital to assets | 9.9986% | 3,619 |
| Core capital (leverage) ratio | 10.6334% | 2,884 |
| Tier 1 risk-based capital ratio | 14.4089% | 3,157 |
| Total risk-based capital ratio | 15.4269% | 3,190 |
| Memoranda: | ||
| Average total assets | $36,260,000 | 5,281 |
| Average earning assets | $34,216,000 | 5,254 |
| Average equity | $3,618,330 | 5,348 |
| Average total loans | $20,039,000 | 5,195 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4521% | 4,949 |
| Cost of funding earning assets | 0.3757% | 3,768 |
| Net interest margin | 3.0764% | 4,748 |
| Noninterest income to average assets | 0.1314% | 5,205 |
| Noninterest expense to average assets | 2.0694% | 4,727 |
| Loan and lease loss provision to assets | 0.0328% | 3,066 |
| Net operating income to assets | 0.8978% | 3,299 |
| Return on assets (ROA) | 0.8978% | 3,307 |
| Pretax return on assets | 0.8978% | 3,858 |
| Return on Equity (ROE) | 9.0060% | 2,906 |
| Retained earnings to average equity (ytd only) | -0.3295% | 4,837 |
| Net charge-offs to loans | -0.0592% | 5,042 |
| Credit loss provision to net charge-offs | -100.0000% | 3,687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9781% | 2,668 |
| Assets per employee ($millions) | 5.2457% | 2,203 |
| Cash dividends to net income (ytd only)* | 103.6585% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3505% | 2,018 |
| Loan loss allowance to noncurrent loans | 276.5306% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.2669% | 3,801 |
| Noncurrent loans to loans | 0.4884% | 3,057 |
| Net loans and leases to total assets | 53.9080% | 4,291 |
| Net loans and leases to deposits | 59.7892% | 4,487 |
| Net loans and leases to core deposits | 59.7892% | 4,669 |
| Total domestic deposits to total assets | 90.1634% | 593 |
| Equity capital to assets | 9.7440% | 3,844 |
| Core capital (leverage) ratio | 11.7750% | 1,794 |
| Tier 1 risk-based capital ratio | 16.0651% | 2,441 |
| Total risk-based capital ratio | 17.1998% | 2,438 |
| Memoranda: | ||
| Average total assets | $36,532,500 | 5,333 |
| Average earning assets | $34,066,000 | 5,312 |
| Average equity | $3,642,000 | 5,402 |
| Average total loans | $20,273,000 | 5,248 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5262% | 4,744 |
| Cost of funding earning assets | 0.3184% | 3,968 |
| Net interest margin | 3.2078% | 4,429 |
| Noninterest income to average assets | 0.1414% | 5,241 |
| Noninterest expense to average assets | 2.0136% | 4,936 |
| Loan and lease loss provision to assets | 0.0333% | 3,596 |
| Net operating income to assets | 1.1122% | 1,820 |
| Return on assets (ROA) | 1.1649% | 1,662 |
| Pretax return on assets | 1.1649% | 2,925 |
| Return on Equity (ROE) | 11.5690% | 1,323 |
| Retained earnings to average equity (ytd only) | 6.1977% | 1,437 |
| Net charge-offs to loans | -0.0149% | 4,880 |
| Credit loss provision to net charge-offs | -400.0000% | 4,913 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7401% | 3,637 |
| Assets per employee ($millions) | 5.1921% | 2,261 |
| Cash dividends to net income (ytd only)* | 46.4286% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2939% | 2,248 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 55.6198% | 4,225 |
| Net loans and leases to deposits | 61.9921% | 4,451 |
| Net loans and leases to core deposits | 61.9921% | 4,655 |
| Total domestic deposits to total assets | 89.7207% | 669 |
| Equity capital to assets | 10.1967% | 3,494 |
| Core capital (leverage) ratio | 10.7567% | 2,585 |
| Tier 1 risk-based capital ratio | 15.8379% | 2,496 |
| Total risk-based capital ratio | 16.9306% | 2,496 |
| Memoranda: | ||
| Average total assets | $36,055,200 | 5,394 |
| Average earning assets | $33,917,600 | 5,365 |
| Average equity | $3,630,400 | 5,466 |
| Average total loans | $20,117,600 | 5,311 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4866% | 4,836 |
| Cost of funding earning assets | 0.3105% | 4,019 |
| Net interest margin | 3.1761% | 4,518 |
| Noninterest income to average assets | 0.1334% | 5,339 |
| Noninterest expense to average assets | 1.9527% | 5,038 |
| Loan and lease loss provision to assets | 0.0333% | 3,457 |
| Net operating income to assets | 1.1413% | 1,910 |
| Return on assets (ROA) | 1.2117% | 1,676 |
| Pretax return on assets | 1.2117% | 2,852 |
| Return on Equity (ROE) | 12.0723% | 1,324 |
| Retained earnings to average equity (ytd only) | 4.8733% | 2,968 |
| Net charge-offs to loans | -0.0200% | 4,849 |
| Credit loss provision to net charge-offs | -300.0000% | 4,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4408% | 3,814 |
| Assets per employee ($millions) | 5.0076% | 2,435 |
| Cash dividends to net income (ytd only)* | 59.6321% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2700% | 2,519 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 58.1063% | 4,048 |
| Net loans and leases to deposits | 65.0922% | 4,313 |
| Net loans and leases to core deposits | 65.0922% | 4,546 |
| Total domestic deposits to total assets | 89.2677% | 754 |
| Equity capital to assets | 10.6410% | 3,228 |
| Core capital (leverage) ratio | 10.5226% | 2,964 |
| Tier 1 risk-based capital ratio | 15.9834% | 2,518 |
| Total risk-based capital ratio | 17.1011% | 2,500 |
| Memoranda: | ||
| Average total assets | $35,982,750 | 5,459 |
| Average earning assets | $33,919,500 | 5,426 |
| Average equity | $3,611,500 | 5,531 |
| Average total loans | $20,027,000 | 5,368 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4391% | 4,900 |
| Cost of funding earning assets | 0.3121% | 3,956 |
| Net interest margin | 3.1270% | 4,613 |
| Noninterest income to average assets | 0.1378% | 5,364 |
| Noninterest expense to average assets | 1.9122% | 5,171 |
| Loan and lease loss provision to assets | 0.0331% | 3,328 |
| Net operating income to assets | 1.1187% | 1,891 |
| Return on assets (ROA) | 1.1187% | 1,939 |
| Pretax return on assets | 1.1187% | 3,095 |
| Return on Equity (ROE) | 11.3662% | 1,507 |
| Retained earnings to average equity (ytd only) | 2.6876% | 4,094 |
| Net charge-offs to loans | -0.0202% | 4,784 |
| Credit loss provision to net charge-offs | -300.0000% | 4,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4101% | 3,920 |
| Assets per employee ($millions) | 5.0890% | 2,289 |
| Cash dividends to net income (ytd only)* | 76.3547% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3859% | 2,008 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 51.5341% | 4,609 |
| Net loans and leases to deposits | 57.5125% | 4,768 |
| Net loans and leases to core deposits | 57.5125% | 4,935 |
| Total domestic deposits to total assets | 89.6050% | 682 |
| Equity capital to assets | 10.3276% | 3,541 |
| Core capital (leverage) ratio | 10.2610% | 3,184 |
| Tier 1 risk-based capital ratio | 16.1438% | 2,444 |
| Total risk-based capital ratio | 17.2806% | 2,430 |
| Memoranda: | ||
| Average total assets | $36,292,670 | 5,498 |
| Average earning assets | $33,962,000 | 5,472 |
| Average equity | $3,572,000 | 5,580 |
| Average total loans | $19,826,000 | 5,416 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4200% | 4,889 |
| Cost of funding earning assets | 0.3025% | 4,015 |
| Net interest margin | 3.1176% | 4,610 |
| Noninterest income to average assets | 0.1420% | 5,398 |
| Noninterest expense to average assets | 2.0859% | 4,880 |
| Loan and lease loss provision to assets | 0.0328% | 3,133 |
| Net operating income to assets | 0.9501% | 2,528 |
| Return on assets (ROA) | 0.9501% | 2,587 |
| Pretax return on assets | 0.9501% | 3,585 |
| Return on Equity (ROE) | 9.8906% | 2,009 |
| Retained earnings to average equity (ytd only) | 1.0232% | 4,652 |
| Net charge-offs to loans | -0.0392% | 5,065 |
| Credit loss provision to net charge-offs | -150.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9715% | 3,202 |
| Assets per employee ($millions) | 5.2701% | 2,112 |
| Cash dividends to net income (ytd only)* | 89.6552% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2355% | 2,910 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 55.2574% | 4,231 |
| Net loans and leases to deposits | 61.1978% | 4,482 |
| Net loans and leases to core deposits | 61.1978% | 4,710 |
| Total domestic deposits to total assets | 90.2930% | 543 |
| Equity capital to assets | 9.6609% | 4,110 |
| Core capital (leverage) ratio | 9.8442% | 3,700 |
| Tier 1 risk-based capital ratio | 14.8035% | 3,064 |
| Total risk-based capital ratio | 15.8443% | 3,087 |
| Memoranda: | ||
| Average total assets | $36,627,500 | 5,553 |
| Average earning assets | $34,385,500 | 5,530 |
| Average equity | $3,518,500 | 5,643 |
| Average total loans | $20,431,000 | 5,449 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5676% | 4,597 |
| Cost of funding earning assets | 0.3159% | 3,893 |
| Net interest margin | 3.2516% | 4,293 |
| Noninterest income to average assets | 0.1358% | 5,508 |
| Noninterest expense to average assets | 1.9983% | 5,192 |
| Loan and lease loss provision to assets | 0.0333% | 3,695 |
| Net operating income to assets | 1.1280% | 1,786 |
| Return on assets (ROA) | 1.1751% | 1,687 |
| Pretax return on assets | 1.1751% | 2,777 |
| Return on Equity (ROE) | 11.8370% | 1,295 |
| Retained earnings to average equity (ytd only) | 5.8347% | 1,803 |
| Net charge-offs to loans | 0.0095% | 3,946 |
| Credit loss provision to net charge-offs | 600.0000% | 568 |
| Earnings coverage of net charge-offs (x) | 209.5000% | 332 |
| Efficiency ratio | 63.2456% | 4,070 |
| Assets per employee ($millions) | 5.1949% | 2,183 |
| Cash dividends to net income (ytd only)* | 50.7075% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2363% | 2,899 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 54.9225% | 4,354 |
| Net loans and leases to deposits | 60.7550% | 4,625 |
| Net loans and leases to core deposits | 60.7550% | 4,827 |
| Total domestic deposits to total assets | 90.3998% | 480 |
| Equity capital to assets | 9.5507% | 4,218 |
| Core capital (leverage) ratio | 9.9191% | 3,601 |
| Tier 1 risk-based capital ratio | 16.0035% | 2,544 |
| Total risk-based capital ratio | 17.1100% | 2,532 |
| Memoranda: | ||
| Average total assets | $36,081,400 | 5,617 |
| Average earning assets | $33,552,200 | 5,598 |
| Average equity | $3,582,000 | 5,691 |
| Average total loans | $21,082,400 | 5,486 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5728% | 4,628 |
| Cost of funding earning assets | 0.3103% | 3,973 |
| Net interest margin | 3.2624% | 4,303 |
| Noninterest income to average assets | 0.1407% | 5,553 |
| Noninterest expense to average assets | 1.8883% | 5,396 |
| Loan and lease loss provision to assets | 0.0333% | 3,566 |
| Net operating income to assets | 1.2552% | 1,438 |
| Return on assets (ROA) | 1.3181% | 1,320 |
| Pretax return on assets | 1.3181% | 2,355 |
| Return on Equity (ROE) | 13.1509% | 1,010 |
| Retained earnings to average equity (ytd only) | 5.2088% | 2,688 |
| Net charge-offs to loans | 0.0125% | 3,515 |
| Credit loss provision to net charge-offs | 450.0000% | 775 |
| Earnings coverage of net charge-offs (x) | 173.7790% | 415 |
| Efficiency ratio | 59.4406% | 4,622 |
| Assets per employee ($millions) | 5.0964% | 2,260 |
| Cash dividends to net income (ytd only)* | 60.3940% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1356% | 3,641 |
| 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 | 60.0336% | 3,876 |
| Net loans and leases to deposits | 67.0329% | 4,245 |
| Net loans and leases to core deposits | 67.0329% | 4,545 |
| Total domestic deposits to total assets | 89.5585% | 647 |
| Equity capital to assets | 10.3602% | 3,733 |
| Core capital (leverage) ratio | 9.7676% | 3,851 |
| Tier 1 risk-based capital ratio | 14.7729% | 3,154 |
| Total risk-based capital ratio | 15.7971% | 3,201 |
| Memoranda: | ||
| Average total assets | $36,010,750 | 5,676 |
| Average earning assets | $33,512,000 | 5,656 |
| Average equity | $3,609,250 | 5,747 |
| Average total loans | $21,297,500 | 5,525 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5499% | 4,745 |
| Cost of funding earning assets | 0.3058% | 4,057 |
| Net interest margin | 3.2441% | 4,399 |
| Noninterest income to average assets | 0.1329% | 5,650 |
| Noninterest expense to average assets | 1.8437% | 5,543 |
| Loan and lease loss provision to assets | 0.0332% | 3,483 |
| Net operating income to assets | 1.2513% | 1,414 |
| Return on assets (ROA) | 1.2624% | 1,505 |
| Pretax return on assets | 1.2624% | 2,557 |
| Return on Equity (ROE) | 12.7363% | 1,094 |
| Retained earnings to average equity (ytd only) | 3.7985% | 3,468 |
| Net charge-offs to loans | 0.0189% | 3,123 |
| Credit loss provision to net charge-offs | 300.0000% | 956 |
| Earnings coverage of net charge-offs (x) | 116.0000% | 507 |
| Efficiency ratio | 58.9381% | 4,778 |
| Assets per employee ($millions) | 5.2249% | 2,061 |
| Cash dividends to net income (ytd only)* | 70.1754% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1461% | 3,683 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 57.5436% | 4,163 |
| Net loans and leases to deposits | 64.0046% | 4,489 |
| Net loans and leases to core deposits | 64.0046% | 4,748 |
| Total domestic deposits to total assets | 89.9054% | 529 |
| Equity capital to assets | 10.0427% | 4,170 |
| Core capital (leverage) ratio | 9.4649% | 4,247 |
| Tier 1 risk-based capital ratio | 14.9057% | 3,115 |
| Total risk-based capital ratio | 15.9520% | 3,153 |
| Memoranda: | ||
| Average total assets | $36,122,670 | 5,739 |
| Average earning assets | $33,352,670 | 5,725 |
| Average equity | $3,580,330 | 5,818 |
| Average total loans | $21,175,670 | 5,588 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5907% | 4,637 |
| Cost of funding earning assets | 0.2902% | 4,276 |
| Net interest margin | 3.3005% | 4,215 |
| Noninterest income to average assets | 0.1337% | 5,675 |
| Noninterest expense to average assets | 1.9277% | 5,483 |
| Loan and lease loss provision to assets | 0.0334% | 3,212 |
| Net operating income to assets | 1.2146% | 1,508 |
| Return on assets (ROA) | 1.2369% | 1,537 |
| Pretax return on assets | 1.2369% | 2,549 |
| Return on Equity (ROE) | 12.5637% | 1,137 |
| Retained earnings to average equity (ytd only) | 3.5088% | 3,740 |
| Net charge-offs to loans | -0.0189% | 4,823 |
| Credit loss provision to net charge-offs | -300.0000% | 4,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7018% | 4,648 |
| Assets per employee ($millions) | 5.1084% | 2,233 |
| Cash dividends to net income (ytd only)* | 72.0721% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2128% | 3,403 |
| Loan loss allowance to noncurrent loans | 12,150.0000% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 5,656 |
| Noncurrent loans to loans | 0.0100% | 5,479 |
| Net loans and leases to total assets | 55.3539% | 4,319 |
| Net loans and leases to deposits | 61.5409% | 4,614 |
| Net loans and leases to core deposits | 61.5409% | 4,835 |
| Total domestic deposits to total assets | 89.9466% | 624 |
| Equity capital to assets | 10.0087% | 4,072 |
| Core capital (leverage) ratio | 9.7479% | 3,849 |
| Tier 1 risk-based capital ratio | 16.0940% | 2,634 |
| Total risk-based capital ratio | 17.2315% | 2,634 |
| Memoranda: | ||
| Average total assets | $35,897,000 | 5,799 |
| Average earning assets | $33,085,500 | 5,789 |
| Average equity | $3,534,000 | 5,875 |
| Average total loans | $21,118,500 | 5,642 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5006% | 4,918 |
| Cost of funding earning assets | 0.2924% | 4,339 |
| Net interest margin | 3.2081% | 4,602 |
| Noninterest income to average assets | 0.1365% | 5,732 |
| Noninterest expense to average assets | 1.8946% | 5,623 |
| Loan and lease loss provision to assets | 0.0334% | 3,689 |
| Net operating income to assets | 1.2461% | 1,394 |
| Return on assets (ROA) | 1.2789% | 1,367 |
| Pretax return on assets | 1.2984% | 2,291 |
| Return on Equity (ROE) | 13.6065% | 933 |
| Retained earnings to average equity (ytd only) | 6.9366% | 1,313 |
| Net charge-offs to loans | 0.0430% | 3,355 |
| Credit loss provision to net charge-offs | 133.3333% | 1,965 |
| Earnings coverage of net charge-offs (x) | 51.7778% | 974 |
| Efficiency ratio | 59.3368% | 4,989 |
| Assets per employee ($millions) | 5.1479% | 2,180 |
| Cash dividends to net income (ytd only)* | 49.0196% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0766% | 4,170 |
| Loan loss allowance to noncurrent loans | 885.1852% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.0749% | 5,332 |
| Noncurrent loans to loans | 0.1216% | 5,009 |
| Net loans and leases to total assets | 60.9435% | 3,702 |
| Net loans and leases to deposits | 68.5553% | 4,075 |
| Net loans and leases to core deposits | 68.5553% | 4,407 |
| Total domestic deposits to total assets | 88.8969% | 1,173 |
| Equity capital to assets | 9.6823% | 4,324 |
| Core capital (leverage) ratio | 9.6238% | 4,013 |
| Tier 1 risk-based capital ratio | 13.5586% | 3,973 |
| Total risk-based capital ratio | 14.5097% | 4,076 |
| Memoranda: | ||
| Average total assets | $35,891,000 | 5,854 |
| Average earning assets | $34,194,200 | 5,806 |
| Average equity | $3,373,400 | 5,940 |
| Average total loans | $20,909,400 | 5,686 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5124% | 4,955 |
| Cost of funding earning assets | 0.3002% | 4,337 |
| Net interest margin | 3.2123% | 4,637 |
| Noninterest income to average assets | 0.1673% | 5,643 |
| Noninterest expense to average assets | 1.8370% | 5,729 |
| Loan and lease loss provision to assets | 0.0335% | 3,557 |
| Net operating income to assets | 1.3610% | 1,202 |
| Return on assets (ROA) | 1.4056% | 1,141 |
| Pretax return on assets | 1.4056% | 1,990 |
| Return on Equity (ROE) | 15.0692% | 718 |
| Retained earnings to average equity (ytd only) | 6.0993% | 2,184 |
| Net charge-offs to loans | 0.0518% | 2,865 |
| Credit loss provision to net charge-offs | 112.5000% | 2,080 |
| Earnings coverage of net charge-offs (x) | 46.8594% | 1,108 |
| Efficiency ratio | 56.8470% | 5,242 |
| Assets per employee ($millions) | 4.9784% | 2,325 |
| Cash dividends to net income (ytd only)* | 59.5230% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1119% | 4,157 |
| Loan loss allowance to noncurrent loans | 1,580.0000% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.0430% | 5,605 |
| Noncurrent loans to loans | 0.0704% | 5,341 |
| Net loans and leases to total assets | 60.4809% | 3,812 |
| Net loans and leases to deposits | 67.2463% | 4,260 |
| Net loans and leases to core deposits | 67.2463% | 4,607 |
| Total domestic deposits to total assets | 89.9395% | 596 |
| Equity capital to assets | 9.9802% | 4,176 |
| Core capital (leverage) ratio | 9.4529% | 4,362 |
| Tier 1 risk-based capital ratio | 14.0030% | 3,846 |
| Total risk-based capital ratio | 15.0008% | 3,934 |
| Memoranda: | ||
| Average total assets | $35,855,000 | 5,934 |
| Average earning assets | $34,201,250 | 5,886 |
| Average equity | $3,344,500 | 6,025 |
| Average total loans | $20,586,750 | 5,767 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4456% | 5,121 |
| Cost of funding earning assets | 0.2958% | 4,438 |
| Net interest margin | 3.1497% | 4,828 |
| Noninterest income to average assets | 0.1824% | 5,597 |
| Noninterest expense to average assets | 1.8182% | 5,824 |
| Loan and lease loss provision to assets | 0.0332% | 3,454 |
| Net operating income to assets | 1.3318% | 1,235 |
| Return on assets (ROA) | 1.3540% | 1,229 |
| Pretax return on assets | 1.3540% | 2,172 |
| Return on Equity (ROE) | 14.8485% | 760 |
| Retained earnings to average equity (ytd only) | 4.8485% | 2,958 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1181% | 5,322 |
| Assets per employee ($millions) | 4.9804% | 2,301 |
| Cash dividends to net income (ytd only)* | 67.3469% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1608% | 4,020 |
| Loan loss allowance to noncurrent loans | 1,613.3333% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.3758% | 4,387 |
| Noncurrent loans to loans | 0.0719% | 5,444 |
| Net loans and leases to total assets | 59.1056% | 3,962 |
| Net loans and leases to deposits | 65.4013% | 4,394 |
| Net loans and leases to core deposits | 65.4013% | 4,703 |
| Total domestic deposits to total assets | 90.3737% | 508 |
| Equity capital to assets | 9.5660% | 4,574 |
| Core capital (leverage) ratio | 9.0021% | 4,965 |
| Tier 1 risk-based capital ratio | 13.8839% | 3,985 |
| Total risk-based capital ratio | 14.9168% | 4,054 |
| Memoranda: | ||
| Average total assets | $36,190,330 | 5,992 |
| Average earning assets | $34,479,000 | 5,944 |
| Average equity | $3,300,000 | 6,091 |
| Average total loans | $20,344,330 | 5,833 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4063% | 5,191 |
| Cost of funding earning assets | 0.2982% | 4,460 |
| Net interest margin | 3.1081% | 4,928 |
| Noninterest income to average assets | 0.1954% | 5,542 |
| Noninterest expense to average assets | 1.9537% | 5,655 |
| Loan and lease loss provision to assets | 0.0326% | 3,238 |
| Net operating income to assets | 1.1505% | 1,699 |
| Return on assets (ROA) | 1.1505% | 1,804 |
| Pretax return on assets | 1.1505% | 2,867 |
| Return on Equity (ROE) | 12.9170% | 1,116 |
| Retained earnings to average equity (ytd only) | -1.7060% | 5,649 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2837% | 4,757 |
| Assets per employee ($millions) | 5.1996% | 2,113 |
| Cash dividends to net income (ytd only)* | 113.2075% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1702% | 4,144 |
| Loan loss allowance to noncurrent loans | 11,950.0000% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.3187% | 4,709 |
| Noncurrent loans to loans | 0.0098% | 5,766 |
| Net loans and leases to total assets | 55.4551% | 4,263 |
| Net loans and leases to deposits | 61.0988% | 4,652 |
| Net loans and leases to core deposits | 61.0988% | 4,908 |
| Total domestic deposits to total assets | 90.7630% | 451 |
| Equity capital to assets | 9.1903% | 5,100 |
| Core capital (leverage) ratio | 8.4705% | 5,546 |
| Tier 1 risk-based capital ratio | 13.4919% | 4,323 |
| Total risk-based capital ratio | 14.5127% | 4,372 |
| Memoranda: | ||
| Average total assets | $36,854,000 | 6,031 |
| Average earning assets | $34,877,000 | 5,993 |
| Average equity | $3,282,500 | 6,154 |
| Average total loans | $20,092,500 | 5,892 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2951% | 5,709 |
| Cost of funding earning assets | 0.3304% | 4,487 |
| Net interest margin | 2.9647% | 5,520 |
| Noninterest income to average assets | 0.1968% | 5,677 |
| Noninterest expense to average assets | 1.9868% | 5,791 |
| Loan and lease loss provision to assets | 0.0328% | 3,942 |
| Net operating income to assets | 0.9483% | 2,640 |
| Return on assets (ROA) | 0.9893% | 2,515 |
| Pretax return on assets | 0.9893% | 3,539 |
| Return on Equity (ROE) | 12.3255% | 1,318 |
| Retained earnings to average equity (ytd only) | 7.8992% | 1,054 |
| Net charge-offs to loans | -0.0111% | 5,581 |
| Credit loss provision to net charge-offs | -600.0000% | 5,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9429% | 4,067 |
| Assets per employee ($millions) | 5.3301% | 1,926 |
| Cash dividends to net income (ytd only)* | 35.9116% | 3,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1942% | 4,036 |
| Loan loss allowance to noncurrent loans | 1,475.0000% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.3484% | 4,662 |
| Noncurrent loans to loans | 0.0810% | 5,560 |
| Net loans and leases to total assets | 52.3331% | 4,755 |
| Net loans and leases to deposits | 57.3030% | 5,103 |
| Net loans and leases to core deposits | 57.3030% | 5,291 |
| Total domestic deposits to total assets | 91.3270% | 267 |
| Equity capital to assets | 8.6302% | 5,624 |
| Core capital (leverage) ratio | 8.3838% | 5,681 |
| Tier 1 risk-based capital ratio | 14.0187% | 4,076 |
| Total risk-based capital ratio | 15.0614% | 4,160 |
| Memoranda: | ||
| Average total assets | $36,591,000 | 6,113 |
| Average earning assets | $34,202,800 | 6,082 |
| Average equity | $2,937,000 | 6,284 |
| Average total loans | $17,956,200 | 6,045 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2508% | 5,840 |
| Cost of funding earning assets | 0.3282% | 4,580 |
| Net interest margin | 2.9226% | 5,655 |
| Noninterest income to average assets | 0.2050% | 5,701 |
| Noninterest expense to average assets | 1.9261% | 5,905 |
| Loan and lease loss provision to assets | 0.0439% | 3,517 |
| Net operating income to assets | 0.9740% | 2,574 |
| Return on assets (ROA) | 1.0436% | 2,325 |
| Pretax return on assets | 1.0436% | 3,408 |
| Return on Equity (ROE) | 13.2574% | 1,152 |
| Retained earnings to average equity (ytd only) | 7.2101% | 1,711 |
| Net charge-offs to loans | -0.0153% | 5,542 |
| Credit loss provision to net charge-offs | -600.0000% | 5,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4229% | 4,308 |
| Assets per employee ($millions) | 5.1264% | 2,106 |
| Cash dividends to net income (ytd only)* | 45.6144% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4471% | 2,955 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3177% | 5,002 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 44.7875% | 5,473 |
| Net loans and leases to deposits | 48.9925% | 5,701 |
| Net loans and leases to core deposits | 48.9925% | 5,837 |
| Total domestic deposits to total assets | 91.4170% | 253 |
| Equity capital to assets | 8.4966% | 5,799 |
| Core capital (leverage) ratio | 8.4328% | 5,724 |
| Tier 1 risk-based capital ratio | 15.8509% | 3,128 |
| Total risk-based capital ratio | 17.0592% | 3,098 |
| Memoranda: | ||
| Average total assets | $36,411,000 | 6,190 |
| Average earning assets | $34,124,000 | 6,159 |
| Average equity | $2,866,250 | 6,367 |
| Average total loans | $17,504,750 | 6,123 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2433% | 5,882 |
| Cost of funding earning assets | 0.3208% | 4,748 |
| Net interest margin | 2.9225% | 5,696 |
| Noninterest income to average assets | 0.2023% | 5,749 |
| Noninterest expense to average assets | 1.8914% | 6,009 |
| Loan and lease loss provision to assets | 0.0656% | 2,956 |
| Net operating income to assets | 0.9840% | 2,391 |
| Return on assets (ROA) | 1.0168% | 2,326 |
| Pretax return on assets | 1.0168% | 3,415 |
| Return on Equity (ROE) | 13.2605% | 1,111 |
| Retained earnings to average equity (ytd only) | 6.8441% | 1,844 |
| Net charge-offs to loans | -0.0223% | 5,586 |
| Credit loss provision to net charge-offs | -600.0000% | 5,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3123% | 4,647 |
| Assets per employee ($millions) | 5.2007% | 1,966 |
| Cash dividends to net income (ytd only)* | 48.3871% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2958% | 3,870 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2912% | 5,203 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 49.3806% | 5,028 |
| Net loans and leases to deposits | 53.9267% | 5,365 |
| Net loans and leases to core deposits | 53.9267% | 5,555 |
| Total domestic deposits to total assets | 91.5698% | 245 |
| Equity capital to assets | 8.3560% | 5,908 |
| Core capital (leverage) ratio | 8.1526% | 5,976 |
| Tier 1 risk-based capital ratio | 14.2918% | 4,068 |
| Total risk-based capital ratio | 15.4024% | 4,090 |
| Memoranda: | ||
| Average total assets | $36,586,330 | 6,248 |
| Average earning assets | $34,285,670 | 6,219 |
| Average equity | $2,805,330 | 6,428 |
| Average total loans | $17,903,670 | 6,166 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1795% | 6,037 |
| Cost of funding earning assets | 0.3390% | 4,658 |
| Net interest margin | 2.8405% | 5,863 |
| Noninterest income to average assets | 0.1854% | 5,854 |
| Noninterest expense to average assets | 2.0176% | 5,851 |
| Loan and lease loss provision to assets | 0.0654% | 2,817 |
| Net operating income to assets | 0.7525% | 3,406 |
| Return on assets (ROA) | 0.7525% | 3,489 |
| Pretax return on assets | 0.7525% | 4,299 |
| Return on Equity (ROE) | 10.2717% | 1,945 |
| Retained earnings to average equity (ytd only) | 1.0421% | 5,182 |
| Net charge-offs to loans | -0.0451% | 5,764 |
| Credit loss provision to net charge-offs | -300.0000% | 5,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1538% | 3,632 |
| Assets per employee ($millions) | 5.2666% | 1,942 |
| Cash dividends to net income (ytd only)* | 89.8551% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3111% | 4,066 |
| Loan loss allowance to noncurrent loans | 126.3736% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 0.8246% | 3,670 |
| Noncurrent loans to loans | 1.0375% | 3,350 |
| Net loans and leases to total assets | 46.9593% | 5,236 |
| Net loans and leases to deposits | 50.8533% | 5,536 |
| Net loans and leases to core deposits | 50.8533% | 5,700 |
| Total domestic deposits to total assets | 92.3425% | 190 |
| Equity capital to assets | 7.5191% | 6,308 |
| Core capital (leverage) ratio | 7.8766% | 6,190 |
| Tier 1 risk-based capital ratio | 13.1423% | 4,928 |
| Total risk-based capital ratio | 14.1673% | 4,988 |
| Memoranda: | ||
| Average total assets | $36,677,000 | 6,312 |
| Average earning assets | $34,219,000 | 6,283 |
| Average equity | $2,687,000 | 6,505 |
| Average total loans | $17,749,000 | 6,227 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1415% | 6,199 |
| Cost of funding earning assets | 0.3988% | 4,668 |
| Net interest margin | 2.7427% | 6,083 |
| Noninterest income to average assets | 0.1804% | 6,006 |
| Noninterest expense to average assets | 1.9928% | 6,042 |
| Loan and lease loss provision to assets | 0.0676% | 3,779 |
| Net operating income to assets | 0.6398% | 4,074 |
| Return on assets (ROA) | 0.6539% | 4,115 |
| Pretax return on assets | 0.6539% | 4,689 |
| Return on Equity (ROE) | 8.2014% | 2,924 |
| Retained earnings to average equity (ytd only) | 2.8988% | 4,184 |
| Net charge-offs to loans | 0.2001% | 2,871 |
| Credit loss provision to net charge-offs | 80.0000% | 3,044 |
| Earnings coverage of net charge-offs (x) | 8.3667% | 2,683 |
| Efficiency ratio | 73.7996% | 3,162 |
| Assets per employee ($millions) | 5.2126% | 1,946 |
| Cash dividends to net income (ytd only)* | 64.6552% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2364% | 4,465 |
| Loan loss allowance to noncurrent loans | 189.7436% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.6112% | 4,406 |
| Noncurrent loans to loans | 0.6516% | 4,336 |
| Net loans and leases to total assets | 48.6023% | 5,231 |
| Net loans and leases to deposits | 53.5447% | 5,506 |
| Net loans and leases to core deposits | 53.5447% | 5,703 |
| Total domestic deposits to total assets | 90.7696% | 672 |
| Equity capital to assets | 7.1311% | 6,423 |
| Core capital (leverage) ratio | 8.3468% | 5,825 |
| Tier 1 risk-based capital ratio | 14.0792% | 4,247 |
| Total risk-based capital ratio | 15.1417% | 4,311 |
| Memoranda: | ||
| Average total assets | $35,477,200 | 6,405 |
| Average earning assets | $32,595,400 | 6,387 |
| Average equity | $2,828,800 | 6,564 |
| Average total loans | $14,994,400 | 6,418 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1363% | 6,276 |
| Cost of funding earning assets | 0.4113% | 4,710 |
| Net interest margin | 2.7250% | 6,131 |
| Noninterest income to average assets | 0.1703% | 6,165 |
| Noninterest expense to average assets | 2.0137% | 5,985 |
| Loan and lease loss provision to assets | 0.0681% | 3,692 |
| Net operating income to assets | 0.5716% | 4,466 |
| Return on assets (ROA) | 0.5716% | 4,613 |
| Pretax return on assets | 0.5716% | 5,127 |
| Return on Equity (ROE) | 6.9773% | 3,661 |
| Retained earnings to average equity (ytd only) | 1.2015% | 5,500 |
| Net charge-offs to loans | 0.2806% | 2,143 |
| Credit loss provision to net charge-offs | 60.0000% | 3,298 |
| Earnings coverage of net charge-offs (x) | 5.6333% | 3,143 |
| Efficiency ratio | 75.8916% | 2,748 |
| Assets per employee ($millions) | 4.9929% | 2,173 |
| Cash dividends to net income (ytd only)* | 82.7795% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6121% | 2,956 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3033% | 5,509 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 37.7196% | 6,182 |
| Net loans and leases to deposits | 40.9334% | 6,354 |
| Net loans and leases to core deposits | 40.9334% | 6,420 |
| Total domestic deposits to total assets | 92.1488% | 229 |
| Equity capital to assets | 7.7482% | 6,286 |
| Core capital (leverage) ratio | 8.3165% | 5,957 |
| Tier 1 risk-based capital ratio | 17.0025% | 2,702 |
| Total risk-based capital ratio | 18.2514% | 2,669 |
| Memoranda: | ||
| Average total assets | $35,224,500 | 6,481 |
| Average earning assets | $32,096,500 | 6,465 |
| Average equity | $2,885,500 | 6,626 |
| Average total loans | $14,254,000 | 6,513 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1903% | 6,243 |
| Cost of funding earning assets | 0.4175% | 4,779 |
| Net interest margin | 2.7728% | 6,060 |
| Noninterest income to average assets | 0.1586% | 6,257 |
| Noninterest expense to average assets | 2.0104% | 6,030 |
| Loan and lease loss provision to assets | 0.0680% | 3,684 |
| Net operating income to assets | 0.6003% | 4,276 |
| Return on assets (ROA) | 0.6003% | 4,458 |
| Pretax return on assets | 0.6003% | 5,011 |
| Return on Equity (ROE) | 7.1994% | 3,491 |
| Retained earnings to average equity (ytd only) | 0.4075% | 5,733 |
| Net charge-offs to loans | 0.4127% | 1,570 |
| Credit loss provision to net charge-offs | 40.0000% | 3,416 |
| Earnings coverage of net charge-offs (x) | 3.9333% | 3,264 |
| Efficiency ratio | 75.0529% | 2,936 |
| Assets per employee ($millions) | 5.0056% | 2,109 |
| Cash dividends to net income (ytd only)* | 94.3396% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5995% | 3,165 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2540% | 5,729 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 36.8703% | 6,242 |
| Net loans and leases to deposits | 39.9548% | 6,404 |
| Net loans and leases to core deposits | 39.9548% | 6,478 |
| Total domestic deposits to total assets | 92.2800% | 212 |
| Equity capital to assets | 7.6286% | 6,398 |
| Core capital (leverage) ratio | 8.1334% | 6,075 |
| Tier 1 risk-based capital ratio | 17.2248% | 2,629 |
| Total risk-based capital ratio | 18.4753% | 2,602 |
| Memoranda: | ||
| Average total assets | $35,316,000 | 6,524 |
| Average earning assets | $32,097,670 | 6,512 |
| Average equity | $2,944,670 | 6,668 |
| Average total loans | $14,539,000 | 6,543 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0693% | 6,434 |
| Cost of funding earning assets | 0.4263% | 4,847 |
| Net interest margin | 2.6430% | 6,306 |
| Noninterest income to average assets | 0.1805% | 6,185 |
| Noninterest expense to average assets | 2.0082% | 6,092 |
| Loan and lease loss provision to assets | 0.0677% | 3,507 |
| Net operating income to assets | 0.5528% | 4,440 |
| Return on assets (ROA) | 0.5528% | 4,594 |
| Pretax return on assets | 0.5528% | 5,107 |
| Return on Equity (ROE) | 6.3626% | 3,846 |
| Retained earnings to average equity (ytd only) | -3.3761% | 6,220 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3948% | 2,866 |
| Assets per employee ($millions) | 5.1833% | 1,996 |
| Cash dividends to net income (ytd only)* | 153.0612% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5883% | 3,448 |
| Loan loss allowance to noncurrent loans | 106.3636% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 0.7442% | 4,508 |
| Noncurrent loans to loans | 1.4932% | 3,315 |
| Net loans and leases to total assets | 39.9609% | 5,996 |
| Net loans and leases to deposits | 43.6625% | 6,225 |
| Net loans and leases to core deposits | 43.6625% | 6,325 |
| Total domestic deposits to total assets | 91.5222% | 348 |
| Equity capital to assets | 8.4061% | 6,096 |
| Core capital (leverage) ratio | 7.8110% | 6,276 |
| Tier 1 risk-based capital ratio | 15.5578% | 3,496 |
| Total risk-based capital ratio | 16.8094% | 3,459 |
| Memoranda: | ||
| Average total assets | $35,454,500 | 6,584 |
| Average earning assets | $32,841,500 | 6,556 |
| Average equity | $3,080,500 | 6,703 |
| Average total loans | $15,244,000 | 6,571 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4399% | 6,433 |
| Cost of funding earning assets | 0.5623% | 4,709 |
| Net interest margin | 2.8776% | 6,264 |
| Noninterest income to average assets | 0.2108% | 5,909 |
| Noninterest expense to average assets | 1.9918% | 6,341 |
| Loan and lease loss provision to assets | 0.0712% | 4,848 |
| Net operating income to assets | 0.7184% | 3,650 |
| Return on assets (ROA) | 0.7213% | 3,890 |
| Pretax return on assets | 0.7332% | 4,549 |
| Return on Equity (ROE) | 8.1135% | 3,036 |
| Retained earnings to average equity (ytd only) | 3.6060% | 3,671 |
| Net charge-offs to loans | -0.0494% | 6,706 |
| Credit loss provision to net charge-offs | -342.8571% | 6,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3071% | 3,567 |
| Assets per employee ($millions) | 4.9466% | 2,297 |
| Cash dividends to net income (ytd only)* | 55.5556% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4472% | 3,956 |
| Loan loss allowance to noncurrent loans | 110.6796% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 0.5949% | 4,987 |
| Noncurrent loans to loans | 1.3075% | 3,647 |
| Net loans and leases to total assets | 44.8420% | 5,744 |
| Net loans and leases to deposits | 49.3046% | 6,008 |
| Net loans and leases to core deposits | 49.3046% | 6,189 |
| Total domestic deposits to total assets | 90.9490% | 516 |
| Equity capital to assets | 8.9846% | 5,541 |
| Core capital (leverage) ratio | 8.2425% | 5,950 |
| Tier 1 risk-based capital ratio | 15.3060% | 3,540 |
| Total risk-based capital ratio | 16.5266% | 3,510 |
| Memoranda: | ||
| Average total assets | $33,688,600 | 6,667 |
| Average earning assets | $30,233,600 | 6,657 |
| Average equity | $2,995,000 | 6,785 |
| Average total loans | $14,178,400 | 6,693 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5135% | 6,500 |
| Cost of funding earning assets | 0.5931% | 4,717 |
| Net interest margin | 2.9204% | 6,320 |
| Noninterest income to average assets | 0.2112% | 6,030 |
| Noninterest expense to average assets | 1.9728% | 6,394 |
| Loan and lease loss provision to assets | 0.0717% | 4,775 |
| Net operating income to assets | 0.7532% | 3,679 |
| Return on assets (ROA) | 0.7532% | 3,933 |
| Pretax return on assets | 0.7572% | 4,651 |
| Return on Equity (ROE) | 8.4960% | 3,047 |
| Retained earnings to average equity (ytd only) | 2.4275% | 5,117 |
| Net charge-offs to loans | -0.0677% | 6,774 |
| Credit loss provision to net charge-offs | -257.1429% | 6,362 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4125% | 3,610 |
| Assets per employee ($millions) | 4.9396% | 2,267 |
| Cash dividends to net income (ytd only)* | 71.4314% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6474% | 3,344 |
| Loan loss allowance to noncurrent loans | 104.2254% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 0.6160% | 5,132 |
| Noncurrent loans to loans | 1.5806% | 3,417 |
| Net loans and leases to total assets | 38.3318% | 6,402 |
| Net loans and leases to deposits | 42.1538% | 6,589 |
| Net loans and leases to core deposits | 42.1538% | 6,664 |
| Total domestic deposits to total assets | 90.9333% | 434 |
| Equity capital to assets | 8.9453% | 5,873 |
| Core capital (leverage) ratio | 8.3569% | 5,938 |
| Tier 1 risk-based capital ratio | 16.6776% | 2,910 |
| Total risk-based capital ratio | 17.9257% | 2,872 |
| Memoranda: | ||
| Average total assets | $33,454,250 | 6,749 |
| Average earning assets | $29,675,250 | 6,759 |
| Average equity | $2,966,000 | 6,881 |
| Average total loans | $13,784,250 | 6,794 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5493% | 6,548 |
| Cost of funding earning assets | 0.6267% | 4,659 |
| Net interest margin | 2.9225% | 6,393 |
| Noninterest income to average assets | 0.2358% | 5,880 |
| Noninterest expense to average assets | 1.9407% | 6,530 |
| Loan and lease loss provision to assets | 0.0726% | 4,723 |
| Net operating income to assets | 0.8102% | 3,355 |
| Return on assets (ROA) | 0.8102% | 3,612 |
| Pretax return on assets | 0.8162% | 4,417 |
| Return on Equity (ROE) | 9.1666% | 2,731 |
| Retained earnings to average equity (ytd only) | 1.6418% | 5,383 |
| Net charge-offs to loans | 0.0144% | 5,233 |
| Credit loss provision to net charge-offs | 1,200.0000% | 270 |
| Earnings coverage of net charge-offs (x) | 147.0000% | 306 |
| Efficiency ratio | 68.5897% | 4,021 |
| Assets per employee ($millions) | 5.5120% | 1,613 |
| Cash dividends to net income (ytd only)* | 82.0896% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4571% | 4,220 |
| Loan loss allowance to noncurrent loans | 533.3333% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.1179% | 6,493 |
| Noncurrent loans to loans | 0.2732% | 6,029 |
| Net loans and leases to total assets | 42.5345% | 6,149 |
| Net loans and leases to deposits | 46.7964% | 6,384 |
| Net loans and leases to core deposits | 46.7964% | 6,526 |
| Total domestic deposits to total assets | 90.8926% | 488 |
| Equity capital to assets | 8.9985% | 5,702 |
| Core capital (leverage) ratio | 8.2062% | 6,039 |
| Tier 1 risk-based capital ratio | 16.2366% | 3,043 |
| Total risk-based capital ratio | 17.4536% | 3,029 |
| Memoranda: | ||
| Average total assets | $33,080,000 | 6,809 |
| Average earning assets | $29,358,000 | 6,817 |
| Average equity | $2,923,670 | 6,928 |
| Average total loans | $13,887,000 | 6,848 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4999% | 6,700 |
| Cost of funding earning assets | 0.7055% | 4,233 |
| Net interest margin | 2.7944% | 6,650 |
| Noninterest income to average assets | 0.2176% | 6,055 |
| Noninterest expense to average assets | 1.9828% | 6,495 |
| Loan and lease loss provision to assets | 0.0725% | 4,493 |
| Net operating income to assets | 0.5924% | 4,380 |
| Return on assets (ROA) | 0.5924% | 4,597 |
| Pretax return on assets | 0.6045% | 5,102 |
| Return on Equity (ROE) | 6.7645% | 3,909 |
| Retained earnings to average equity (ytd only) | -4.2796% | 6,531 |
| Net charge-offs to loans | 0.0292% | 4,276 |
| Credit loss provision to net charge-offs | 600.0000% | 558 |
| Earnings coverage of net charge-offs (x) | 56.0000% | 577 |
| Efficiency ratio | 74.5455% | 3,013 |
| Assets per employee ($millions) | 5.0570% | 2,187 |
| Cash dividends to net income (ytd only)* | 163.2653% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4603% | 4,335 |
| Loan loss allowance to noncurrent loans | 174.1379% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.4350% | 5,776 |
| Noncurrent loans to loans | 0.8386% | 4,997 |
| Net loans and leases to total assets | 38.5067% | 6,461 |
| Net loans and leases to deposits | 41.9467% | 6,662 |
| Net loans and leases to core deposits | 41.9467% | 6,750 |
| Total domestic deposits to total assets | 91.7992% | 308 |
| Equity capital to assets | 8.1019% | 6,447 |
| Core capital (leverage) ratio | 7.7056% | 6,480 |
| Tier 1 risk-based capital ratio | 16.2215% | 3,059 |
| Total risk-based capital ratio | 17.4258% | 3,049 |
| Memoranda: | ||
| Average total assets | $33,084,000 | 6,862 |
| Average earning assets | $28,915,000 | 6,885 |
| Average equity | $2,897,500 | 6,982 |
| Average total loans | $13,693,000 | 6,910 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1355% | 6,214 |
| Cost of funding earning assets | 0.9012% | 4,108 |
| Net interest margin | 3.2343% | 5,994 |
| Noninterest income to average assets | 0.2516% | 5,730 |
| Noninterest expense to average assets | 2.1885% | 6,295 |
| Loan and lease loss provision to assets | 0.0795% | 5,623 |
| Net operating income to assets | 0.9867% | 2,247 |
| Return on assets (ROA) | 1.1919% | 1,641 |
| Pretax return on assets | 1.1952% | 2,479 |
| Return on Equity (ROE) | 12.9051% | 1,188 |
| Retained earnings to average equity (ytd only) | 7.8864% | 1,120 |
| Net charge-offs to loans | 0.1171% | 5,210 |
| Credit loss provision to net charge-offs | 150.0000% | 1,883 |
| Earnings coverage of net charge-offs (x) | 20.1875% | 1,144 |
| Efficiency ratio | 67.1748% | 4,540 |
| Assets per employee ($millions) | 4.3956% | 3,073 |
| Cash dividends to net income (ytd only)* | 38.8889% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4536% | 4,216 |
| Loan loss allowance to noncurrent loans | 123.8994% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 0.5168% | 5,669 |
| Noncurrent loans to loans | 1.1732% | 4,412 |
| Net loans and leases to total assets | 43.4073% | 6,260 |
| Net loans and leases to deposits | 48.0328% | 6,492 |
| Net loans and leases to core deposits | 48.0328% | 6,642 |
| Total domestic deposits to total assets | 90.3702% | 779 |
| Equity capital to assets | 9.5128% | 4,869 |
| Core capital (leverage) ratio | 8.8041% | 5,094 |
| Tier 1 risk-based capital ratio | 17.0487% | 2,579 |
| Total risk-based capital ratio | 18.2691% | 2,548 |
| Memoranda: | ||
| Average total assets | $30,203,000 | 6,967 |
| Average earning assets | $28,074,000 | 6,915 |
| Average equity | $2,789,600 | 7,060 |
| Average total loans | $13,659,600 | 6,961 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1676% | 6,279 |
| Cost of funding earning assets | 0.9283% | 4,207 |
| Net interest margin | 3.2394% | 6,048 |
| Noninterest income to average assets | 0.2572% | 5,784 |
| Noninterest expense to average assets | 2.1422% | 6,423 |
| Loan and lease loss provision to assets | 0.0798% | 5,445 |
| Net operating income to assets | 1.0689% | 2,077 |
| Return on assets (ROA) | 1.3439% | 1,371 |
| Pretax return on assets | 1.3439% | 2,138 |
| Return on Equity (ROE) | 14.6626% | 905 |
| Retained earnings to average equity (ytd only) | 7.8879% | 1,547 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0943% | 4,882 |
| Assets per employee ($millions) | 4.3940% | 3,084 |
| Cash dividends to net income (ytd only)* | 46.2041% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4404% | 4,370 |
| 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 | 46.0498% | 6,144 |
| Net loans and leases to deposits | 51.6633% | 6,395 |
| Net loans and leases to core deposits | 51.6633% | 6,587 |
| Total domestic deposits to total assets | 89.1345% | 1,346 |
| Equity capital to assets | 9.4577% | 5,150 |
| Core capital (leverage) ratio | 8.8175% | 5,235 |
| Tier 1 risk-based capital ratio | 15.9239% | 3,153 |
| Total risk-based capital ratio | 17.1474% | 3,122 |
| Memoranda: | ||
| Average total assets | $30,061,500 | 7,040 |
| Average earning assets | $28,152,750 | 6,991 |
| Average equity | $2,755,250 | 7,134 |
| Average total loans | $13,686,250 | 7,033 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1373% | 6,408 |
| Cost of funding earning assets | 0.9625% | 4,238 |
| Net interest margin | 3.1748% | 6,230 |
| Noninterest income to average assets | 0.2213% | 6,092 |
| Noninterest expense to average assets | 2.1522% | 6,499 |
| Loan and lease loss provision to assets | 0.0805% | 5,304 |
| Net operating income to assets | 0.9521% | 2,428 |
| Return on assets (ROA) | 1.1197% | 1,900 |
| Pretax return on assets | 1.1197% | 2,772 |
| Return on Equity (ROE) | 12.3521% | 1,395 |
| Retained earnings to average equity (ytd only) | 5.3254% | 2,793 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5789% | 4,593 |
| Assets per employee ($millions) | 4.2686% | 3,217 |
| Cash dividends to net income (ytd only)* | 56.8862% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5354% | 3,961 |
| 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 | 43.1392% | 6,510 |
| Net loans and leases to deposits | 47.7690% | 6,738 |
| Net loans and leases to core deposits | 47.7690% | 6,863 |
| Total domestic deposits to total assets | 90.3079% | 811 |
| Equity capital to assets | 9.4779% | 4,841 |
| Core capital (leverage) ratio | 8.6072% | 5,390 |
| Tier 1 risk-based capital ratio | 16.4320% | 2,778 |
| Total risk-based capital ratio | 17.6820% | 2,737 |
| Memoranda: | ||
| Average total assets | $29,829,330 | 7,112 |
| Average earning assets | $27,844,330 | 7,065 |
| Average equity | $2,704,000 | 7,201 |
| Average total loans | $13,458,000 | 7,112 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1560% | 6,377 |
| Cost of funding earning assets | 0.9702% | 4,420 |
| Net interest margin | 3.1858% | 6,111 |
| Noninterest income to average assets | 0.2147% | 6,198 |
| Noninterest expense to average assets | 2.3353% | 6,092 |
| Loan and lease loss provision to assets | 0.0805% | 5,000 |
| Net operating income to assets | 0.7516% | 3,265 |
| Return on assets (ROA) | 1.0871% | 1,930 |
| Pretax return on assets | 1.0871% | 2,804 |
| Return on Equity (ROE) | 12.2727% | 1,382 |
| Retained earnings to average equity (ytd only) | 6.9697% | 2,161 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7288% | 3,564 |
| Assets per employee ($millions) | 4.3171% | 3,208 |
| Cash dividends to net income (ytd only)* | 43.2099% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5161% | 4,129 |
| 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 | 41.9159% | 6,626 |
| Net loans and leases to deposits | 46.0083% | 6,849 |
| Net loans and leases to core deposits | 46.0083% | 6,971 |
| Total domestic deposits to total assets | 91.1052% | 574 |
| Equity capital to assets | 8.7062% | 5,649 |
| Core capital (leverage) ratio | 8.3693% | 5,685 |
| Tier 1 risk-based capital ratio | 17.1227% | 2,427 |
| Total risk-based capital ratio | 18.3714% | 2,403 |
| Memoranda: | ||
| Average total assets | $29,804,000 | 7,154 |
| Average earning assets | $27,622,500 | 7,116 |
| Average equity | $2,640,000 | 7,258 |
| Average total loans | $13,641,500 | 7,162 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6058% | 6,094 |
| Cost of funding earning assets | 1.2616% | 4,134 |
| Net interest margin | 3.3442% | 5,816 |
| Noninterest income to average assets | 0.2676% | 5,874 |
| Noninterest expense to average assets | 2.3663% | 6,176 |
| Loan and lease loss provision to assets | 0.1549% | 5,655 |
| Net operating income to assets | 0.8698% | 2,510 |
| Return on assets (ROA) | 0.9824% | 2,212 |
| Pretax return on assets | 0.9860% | 2,976 |
| Return on Equity (ROE) | 10.2310% | 1,843 |
| Retained earnings to average equity (ytd only) | -3.7037% | 6,180 |
| Net charge-offs to loans | 0.4246% | 3,922 |
| Credit loss provision to net charge-offs | 75.8621% | 5,700 |
| Earnings coverage of net charge-offs (x) | 5.0345% | 2,729 |
| Efficiency ratio | 69.7095% | 4,238 |
| Assets per employee ($millions) | 4.1983% | 3,387 |
| Cash dividends to net income (ytd only)* | 136.2007% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3106% | 4,947 |
| Loan loss allowance to noncurrent loans | 222.3529% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.2892% | 6,529 |
| Noncurrent loans to loans | 0.5894% | 5,868 |
| Net loans and leases to total assets | 48.4279% | 6,347 |
| Net loans and leases to deposits | 53.8479% | 6,618 |
| Net loans and leases to core deposits | 53.8479% | 6,821 |
| Total domestic deposits to total assets | 89.9347% | 1,138 |
| Equity capital to assets | 9.0139% | 5,123 |
| Core capital (leverage) ratio | 8.5556% | 5,267 |
| Tier 1 risk-based capital ratio | 15.1521% | 3,169 |
| Total risk-based capital ratio | 16.2835% | 3,187 |
| Memoranda: | ||
| Average total assets | $28,398,400 | 7,259 |
| Average earning assets | $26,553,400 | 7,210 |
| Average equity | $2,727,000 | 7,347 |
| Average total loans | $13,659,400 | 7,222 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6391% | 6,228 |
| Cost of funding earning assets | 1.3044% | 4,185 |
| Net interest margin | 3.3347% | 5,911 |
| Noninterest income to average assets | 0.2794% | 5,871 |
| Noninterest expense to average assets | 2.2687% | 6,413 |
| Loan and lease loss provision to assets | 0.0853% | 6,187 |
| Net operating income to assets | 1.0372% | 2,113 |
| Return on assets (ROA) | 1.1888% | 1,716 |
| Pretax return on assets | 1.1888% | 2,530 |
| Return on Equity (ROE) | 12.1850% | 1,449 |
| Retained earnings to average equity (ytd only) | -6.2625% | 6,661 |
| Net charge-offs to loans | 0.5840% | 2,987 |
| Credit loss provision to net charge-offs | 30.5085% | 6,146 |
| Earnings coverage of net charge-offs (x) | 4.0172% | 3,214 |
| Efficiency ratio | 66.8994% | 4,677 |
| Assets per employee ($millions) | 4.1110% | 3,628 |
| Cash dividends to net income (ytd only)* | 151.3925% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1796% | 5,594 |
| Loan loss allowance to noncurrent loans | 4,050.0000% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.2363% | 6,775 |
| Noncurrent loans to loans | 0.0291% | 7,183 |
| Net loans and leases to total assets | 47.1627% | 6,594 |
| Net loans and leases to deposits | 52.3631% | 6,874 |
| Net loans and leases to core deposits | 52.3631% | 7,033 |
| Total domestic deposits to total assets | 90.0685% | 847 |
| Equity capital to assets | 9.6014% | 4,693 |
| Core capital (leverage) ratio | 8.6436% | 5,278 |
| Tier 1 risk-based capital ratio | 15.3539% | 3,072 |
| Total risk-based capital ratio | 16.3477% | 3,189 |
| Memoranda: | ||
| Average total assets | $28,151,000 | 7,354 |
| Average earning assets | $26,269,000 | 7,311 |
| Average equity | $2,746,500 | 7,438 |
| Average total loans | $13,469,000 | 7,325 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6510% | 6,311 |
| Cost of funding earning assets | 1.3476% | 4,203 |
| Net interest margin | 3.3035% | 6,005 |
| Noninterest income to average assets | 0.2863% | 5,853 |
| Noninterest expense to average assets | 2.2976% | 6,360 |
| Loan and lease loss provision to assets | 0.0859% | 6,069 |
| Net operating income to assets | 0.9734% | 2,286 |
| Return on assets (ROA) | 0.9877% | 2,324 |
| Pretax return on assets | 0.9877% | 3,163 |
| Return on Equity (ROE) | 10.0693% | 2,086 |
| Retained earnings to average equity (ytd only) | -16.1985% | 7,143 |
| Net charge-offs to loans | 0.3587% | 3,557 |
| Credit loss provision to net charge-offs | 50.0000% | 5,413 |
| Earnings coverage of net charge-offs (x) | 6.1667% | 2,511 |
| Efficiency ratio | 68.4435% | 4,489 |
| Assets per employee ($millions) | 4.0683% | 3,638 |
| Cash dividends to net income (ytd only)* | 260.8696% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4596% | 4,126 |
| Loan loss allowance to noncurrent loans | 151.5873% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.6883% | 5,773 |
| Noncurrent loans to loans | 0.9629% | 5,378 |
| Net loans and leases to total assets | 45.2806% | 6,824 |
| Net loans and leases to deposits | 51.0774% | 7,021 |
| Net loans and leases to core deposits | 51.0774% | 7,167 |
| Total domestic deposits to total assets | 88.6509% | 1,642 |
| Equity capital to assets | 9.3370% | 4,952 |
| Core capital (leverage) ratio | 8.4086% | 5,565 |
| Tier 1 risk-based capital ratio | 15.1597% | 3,076 |
| Total risk-based capital ratio | 16.3607% | 3,058 |
| Memoranda: | ||
| Average total assets | $27,942,330 | 7,417 |
| Average earning assets | $25,972,670 | 7,375 |
| Average equity | $2,741,000 | 7,491 |
| Average total loans | $13,380,670 | 7,381 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7544% | 6,052 |
| Cost of funding earning assets | 1.3828% | 4,286 |
| Net interest margin | 3.3716% | 5,700 |
| Noninterest income to average assets | 0.2602% | 6,065 |
| Noninterest expense to average assets | 2.5294% | 5,616 |
| Loan and lease loss provision to assets | 0.0867% | 5,772 |
| Net operating income to assets | 0.7805% | 3,058 |
| Return on assets (ROA) | 0.8094% | 3,018 |
| Pretax return on assets | 0.8094% | 3,826 |
| Return on Equity (ROE) | 8.0518% | 2,858 |
| Retained earnings to average equity (ytd only) | 3.7383% | 3,913 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4681% | 3,496 |
| Assets per employee ($millions) | 4.0400% | 3,778 |
| Cash dividends to net income (ytd only)* | 53.5714% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5411% | 3,696 |
| Loan loss allowance to noncurrent loans | 163.2813% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.7072% | 5,754 |
| Noncurrent loans to loans | 0.9438% | 5,441 |
| Net loans and leases to total assets | 47.2171% | 6,736 |
| Net loans and leases to deposits | 53.6028% | 6,941 |
| Net loans and leases to core deposits | 53.6028% | 7,129 |
| Total domestic deposits to total assets | 88.0870% | 2,010 |
| Equity capital to assets | 9.9081% | 3,977 |
| Core capital (leverage) ratio | 9.3123% | 4,033 |
| Tier 1 risk-based capital ratio | 16.3529% | 2,505 |
| Total risk-based capital ratio | 17.6018% | 2,468 |
| Memoranda: | ||
| Average total assets | $27,674,500 | 7,516 |
| Average earning assets | $25,744,500 | 7,469 |
| Average equity | $2,782,000 | 7,556 |
| Average total loans | $13,528,000 | 7,467 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2226% | 5,543 |
| Cost of funding earning assets | 1.6020% | 5,010 |
| Net interest margin | 3.6206% | 4,472 |
| Noninterest income to average assets | 0.2791% | 6,108 |
| Noninterest expense to average assets | 2.4929% | 6,157 |
| Loan and lease loss provision to assets | 0.1005% | 6,621 |
| Net operating income to assets | 1.0493% | 1,670 |
| Return on assets (ROA) | 1.2279% | 1,234 |
| Pretax return on assets | 1.2279% | 1,873 |
| Return on Equity (ROE) | 12.1181% | 1,134 |
| Retained earnings to average equity (ytd only) | 5.3246% | 1,665 |
| Net charge-offs to loans | 0.2141% | 5,284 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 11.4444% | 1,589 |
| Efficiency ratio | 68.4372% | 4,936 |
| Assets per employee ($millions) | 3.8670% | 4,100 |
| Cash dividends to net income (ytd only)* | 56.0606% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5044% | 3,702 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2697% | 6,780 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 49.1004% | 6,719 |
| Net loans and leases to deposits | 55.9503% | 6,921 |
| Net loans and leases to core deposits | 65.3185% | 7,016 |
| Total domestic deposits to total assets | 87.7572% | 2,089 |
| Equity capital to assets | 10.2036% | 3,508 |
| Core capital (leverage) ratio | 9.4794% | 3,746 |
| Tier 1 risk-based capital ratio | 16.5389% | 2,304 |
| Total risk-based capital ratio | 17.7889% | 2,252 |
| Memoranda: | ||
| Average total assets | $26,876,000 | 7,592 |
| Average earning assets | $24,968,400 | 7,546 |
| Average equity | $2,723,200 | 7,667 |
| Average total loans | $12,612,600 | 7,574 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3768% | 5,060 |
| Cost of funding earning assets | 1.6297% | 5,257 |
| Net interest margin | 3.7472% | 3,880 |
| Noninterest income to average assets | 0.3230% | 5,893 |
| Noninterest expense to average assets | 2.3905% | 6,444 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.4065% | 1,008 |
| Return on assets (ROA) | 1.4065% | 1,076 |
| Pretax return on assets | 1.4065% | 1,676 |
| Return on Equity (ROE) | 13.9053% | 955 |
| Retained earnings to average equity (ytd only) | 4.8152% | 2,597 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9581% | 5,936 |
| Assets per employee ($millions) | 3.8653% | 4,033 |
| Cash dividends to net income (ytd only)* | 65.3716% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7082% | 2,595 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2698% | 6,827 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 43.1718% | 7,303 |
| Net loans and leases to deposits | 49.4204% | 7,435 |
| Net loans and leases to core deposits | 55.8098% | 7,549 |
| Total domestic deposits to total assets | 87.3563% | 1,978 |
| Equity capital to assets | 10.4261% | 3,590 |
| Core capital (leverage) ratio | 9.4779% | 3,941 |
| Tier 1 risk-based capital ratio | 15.0870% | 3,000 |
| Total risk-based capital ratio | 16.2717% | 2,970 |
| Memoranda: | ||
| Average total assets | $26,827,750 | 7,657 |
| Average earning assets | $24,871,500 | 7,617 |
| Average equity | $2,713,500 | 7,746 |
| Average total loans | $12,392,250 | 7,654 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4530% | 4,878 |
| Cost of funding earning assets | 1.6859% | 5,341 |
| Net interest margin | 3.7671% | 3,693 |
| Noninterest income to average assets | 0.3290% | 5,880 |
| Noninterest expense to average assets | 2.2653% | 6,862 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.5551% | 747 |
| Return on assets (ROA) | 1.5551% | 808 |
| Pretax return on assets | 1.5551% | 1,316 |
| Return on Equity (ROE) | 15.5359% | 754 |
| Retained earnings to average equity (ytd only) | 5.4525% | 2,268 |
| Net charge-offs to loans | -0.0159% | 7,663 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2955% | 6,649 |
| Assets per employee ($millions) | 3.9500% | 3,775 |
| Cash dividends to net income (ytd only)* | 64.9038% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5370% | 2,999 |
| Loan loss allowance to noncurrent loans | 2,914.2857% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.2893% | 6,748 |
| Noncurrent loans to loans | 0.0527% | 7,404 |
| Net loans and leases to total assets | 47.2658% | 7,100 |
| Net loans and leases to deposits | 53.6715% | 7,294 |
| Net loans and leases to core deposits | 61.1759% | 7,407 |
| Total domestic deposits to total assets | 88.0651% | 1,733 |
| Equity capital to assets | 9.8264% | 4,182 |
| Core capital (leverage) ratio | 9.2196% | 4,278 |
| Tier 1 risk-based capital ratio | 13.5823% | 3,769 |
| Total risk-based capital ratio | 14.6329% | 3,816 |
| Memoranda: | ||
| Average total assets | $26,751,330 | 7,731 |
| Average earning assets | $24,793,670 | 7,685 |
| Average equity | $2,677,670 | 7,828 |
| Average total loans | $12,561,670 | 7,721 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5923% | 4,403 |
| Cost of funding earning assets | 1.7876% | 5,175 |
| Net interest margin | 3.8048% | 3,424 |
| Noninterest income to average assets | 0.4106% | 5,128 |
| Noninterest expense to average assets | 2.5549% | 5,631 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3839% | 1,174 |
| Return on assets (ROA) | 1.3839% | 1,266 |
| Pretax return on assets | 1.3839% | 2,013 |
| Return on Equity (ROE) | 13.6945% | 1,229 |
| Retained earnings to average equity (ytd only) | 3.9127% | 3,719 |
| Net charge-offs to loans | -0.0328% | 7,580 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8649% | 5,525 |
| Assets per employee ($millions) | 3.7869% | 4,124 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5982% | 2,526 |
| Loan loss allowance to noncurrent loans | 334.4262% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.2301% | 6,835 |
| Noncurrent loans to loans | 0.4779% | 6,230 |
| Net loans and leases to total assets | 47.3819% | 7,074 |
| Net loans and leases to deposits | 53.9960% | 7,286 |
| Net loans and leases to core deposits | 63.2650% | 7,343 |
| Total domestic deposits to total assets | 87.7509% | 1,865 |
| Equity capital to assets | 10.0913% | 3,892 |
| Core capital (leverage) ratio | 9.2893% | 4,261 |
| Tier 1 risk-based capital ratio | 16.5003% | 2,512 |
| Total risk-based capital ratio | 17.7483% | 2,451 |
| Memoranda: | ||
| Average total assets | $26,302,000 | 7,788 |
| Average earning assets | $24,390,500 | 7,748 |
| Average equity | $2,658,000 | 7,879 |
| Average total loans | $12,206,000 | 7,793 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9754% | 5,665 |
| Cost of funding earning assets | 2.2168% | 5,522 |
| Net interest margin | 3.7586% | 4,187 |
| Noninterest income to average assets | 0.3339% | 6,064 |
| Noninterest expense to average assets | 2.4907% | 6,041 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.3788% | 1,279 |
| Return on assets (ROA) | 1.3711% | 1,249 |
| Pretax return on assets | 1.3789% | 2,033 |
| Return on Equity (ROE) | 14.4036% | 1,030 |
| Retained earnings to average equity (ytd only) | 9.0384% | 601 |
| Net charge-offs to loans | -0.0396% | 8,002 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2351% | 5,509 |
| Assets per employee ($millions) | 3.7280% | 4,111 |
| Cash dividends to net income (ytd only)* | 37.2493% | 3,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7428% | 1,790 |
| Loan loss allowance to noncurrent loans | 332.7869% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.3640% | 6,146 |
| Noncurrent loans to loans | 0.5237% | 5,783 |
| Net loans and leases to total assets | 43.8573% | 7,482 |
| Net loans and leases to deposits | 50.1117% | 7,626 |
| Net loans and leases to core deposits | 61.0140% | 7,537 |
| Total domestic deposits to total assets | 87.5192% | 1,699 |
| Equity capital to assets | 10.1203% | 3,900 |
| Core capital (leverage) ratio | 9.3675% | 4,208 |
| Tier 1 risk-based capital ratio | 17.4977% | 2,179 |
| Total risk-based capital ratio | 18.7496% | 2,115 |
| Memoranda: | ||
| Average total assets | $25,454,800 | 7,826 |
| Average earning assets | $23,998,400 | 7,782 |
| Average equity | $2,423,000 | 8,011 |
| Average total loans | $12,613,800 | 7,795 |