Home > The Commercial Bank > Performance and Condition Ratios
The Commercial Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8200% | 2,436 |
| Cost of funding earning assets | 1.3718% | 2,305 |
| Net interest margin | 3.4482% | 2,302 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 1.7442% | 4,073 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.4627% | 1,095 |
| Return on assets (ROA) | 1.3621% | 1,262 |
| Pretax return on assets | 1.5749% | 1,284 |
| Return on Equity (ROE) | 19.6400% | 645 |
| Retained earnings to average equity (ytd only) | 13.1113% | 490 |
| Net charge-offs to loans | 0.0101% | 2,271 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 437.2500% | 323 |
| Efficiency ratio | 50.7601% | 3,926 |
| Assets per employee ($millions) | 11.7900% | 434 |
| Cash dividends to net income (ytd only)* | 33.2386% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5814% | 869 |
| Loan loss allowance to noncurrent loans | 1,183.0189% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.0499% | 3,258 |
| Noncurrent loans to loans | 0.1337% | 2,838 |
| Net loans and leases to total assets | 36.7800% | 4,131 |
| Net loans and leases to deposits | 40.9379% | 4,178 |
| Net loans and leases to core deposits | 50.5231% | 4,074 |
| Total domestic deposits to total assets | 89.8300% | 806 |
| Equity capital to assets | 7.5563% | 3,681 |
| Core capital (leverage) ratio | 9.7346% | 3,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9205% | 613 |
| Memoranda: | ||
| Average total assets | $103,372,800 | 3,800 |
| Average earning assets | $98,194,800 | 3,760 |
| Average equity | $7,169,400 | 4,024 |
| Average total loans | $39,535,800 | 4,002 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7293% | 2,410 |
| Cost of funding earning assets | 1.1953% | 2,446 |
| Net interest margin | 3.5339% | 2,140 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 1.6801% | 4,154 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.5814% | 962 |
| Return on assets (ROA) | 1.4854% | 1,135 |
| Pretax return on assets | 1.7256% | 1,124 |
| Return on Equity (ROE) | 21.9200% | 565 |
| Retained earnings to average equity (ytd only) | 13.2233% | 785 |
| Net charge-offs to loans | 0.0135% | 1,912 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 353.7500% | 401 |
| Efficiency ratio | 47.7667% | 4,063 |
| Assets per employee ($millions) | 9.4200% | 806 |
| Cash dividends to net income (ytd only)* | 39.6853% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5863% | 913 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 37.5400% | 4,134 |
| Net loans and leases to deposits | 41.4227% | 4,173 |
| Net loans and leases to core deposits | 50.2955% | 4,032 |
| Total domestic deposits to total assets | 90.6200% | 770 |
| Equity capital to assets | 6.7719% | 3,719 |
| Core capital (leverage) ratio | 9.4739% | 3,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4995% | 663 |
| Memoranda: | ||
| Average total assets | $102,688,500 | 3,822 |
| Average earning assets | $97,377,250 | 3,783 |
| Average equity | $6,957,250 | 4,051 |
| Average total loans | $39,507,500 | 4,016 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5865% | 2,442 |
| Cost of funding earning assets | 1.0247% | 2,519 |
| Net interest margin | 3.5618% | 2,126 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 1.7074% | 4,136 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.5738% | 981 |
| Return on assets (ROA) | 1.4613% | 1,173 |
| Pretax return on assets | 1.7054% | 1,205 |
| Return on Equity (ROE) | 21.5600% | 576 |
| Retained earnings to average equity (ytd only) | 13.9535% | 688 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 48.1808% | 4,053 |
| Assets per employee ($millions) | 9.6128% | 748 |
| Cash dividends to net income (ytd only)* | 35.2941% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5485% | 1,039 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 37.9400% | 4,119 |
| Net loans and leases to deposits | 42.3135% | 4,151 |
| Net loans and leases to core deposits | 50.8544% | 3,994 |
| Total domestic deposits to total assets | 89.6600% | 1,029 |
| Equity capital to assets | 6.9074% | 3,844 |
| Core capital (leverage) ratio | 9.4605% | 3,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1673% | 702 |
| Memoranda: | ||
| Average total assets | $102,378,000 | 3,841 |
| Average earning assets | $96,805,000 | 3,805 |
| Average equity | $6,937,333 | 4,082 |
| Average total loans | $39,501,667 | 4,025 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4762% | 2,374 |
| Cost of funding earning assets | 0.7635% | 2,862 |
| Net interest margin | 3.7127% | 1,873 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 1.7558% | 4,105 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6766% | 856 |
| Return on assets (ROA) | 1.5810% | 1,015 |
| Pretax return on assets | 1.8312% | 1,018 |
| Return on Equity (ROE) | 23.5700% | 473 |
| Retained earnings to average equity (ytd only) | 8.7652% | 2,013 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 47.4758% | 4,122 |
| Assets per employee ($millions) | 9.1725% | 882 |
| Cash dividends to net income (ytd only)* | 62.8141% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6129% | 988 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 38.1500% | 4,111 |
| Net loans and leases to deposits | 42.4114% | 4,150 |
| Net loans and leases to core deposits | 50.4152% | 3,979 |
| Total domestic deposits to total assets | 89.9500% | 1,174 |
| Equity capital to assets | 6.7989% | 3,913 |
| Core capital (leverage) ratio | 9.3424% | 3,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4252% | 617 |
| Memoranda: | ||
| Average total assets | $100,696,500 | 3,907 |
| Average earning assets | $95,348,500 | 3,869 |
| Average equity | $6,754,000 | 4,148 |
| Average total loans | $38,878,500 | 4,091 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9741% | 1,778 |
| Cost of funding earning assets | 0.3224% | 2,703 |
| Net interest margin | 3.6516% | 1,489 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 1.8964% | 3,829 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.5197% | 837 |
| Return on assets (ROA) | 1.4344% | 1,003 |
| Pretax return on assets | 1.5976% | 1,175 |
| Return on Equity (ROE) | 20.5400% | 426 |
| Retained earnings to average equity (ytd only) | 16.7846% | 186 |
| Net charge-offs to loans | 0.0025% | 2,416 |
| Credit loss provision to net charge-offs | 3,500.0000% | 169 |
| Earnings coverage of net charge-offs (x) | 1,570.0000% | 110 |
| Efficiency ratio | 52.2796% | 3,957 |
| Assets per employee ($millions) | 9.1359% | 873 |
| Cash dividends to net income (ytd only)* | 18.2936% | 2,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6332% | 914 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 37.8200% | 4,149 |
| Net loans and leases to deposits | 41.4377% | 4,203 |
| Net loans and leases to core deposits | 45.8599% | 4,124 |
| Total domestic deposits to total assets | 91.2600% | 854 |
| Equity capital to assets | 6.6153% | 3,858 |
| Core capital (leverage) ratio | 9.3294% | 3,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2163% | 610 |
| Memoranda: | ||
| Average total assets | $90,699,400 | 4,005 |
| Average earning assets | $85,907,000 | 3,968 |
| Average equity | $6,333,200 | 4,291 |
| Average total loans | $39,329,600 | 4,076 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8285% | 1,664 |
| Cost of funding earning assets | 0.2344% | 2,878 |
| Net interest margin | 3.5941% | 1,403 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 1.8296% | 3,923 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.5090% | 835 |
| Return on assets (ROA) | 1.4821% | 872 |
| Pretax return on assets | 1.6679% | 965 |
| Return on Equity (ROE) | 20.9100% | 369 |
| Retained earnings to average equity (ytd only) | 20.6353% | 90 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.0970% | 4,078 |
| Assets per employee ($millions) | 8.9148% | 925 |
| Cash dividends to net income (ytd only)* | 1.3252% | 3,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6496% | 968 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 38.4200% | 4,131 |
| Net loans and leases to deposits | 42.8849% | 4,153 |
| Net loans and leases to core deposits | 45.9837% | 4,111 |
| Total domestic deposits to total assets | 89.6000% | 1,828 |
| Equity capital to assets | 6.1899% | 3,885 |
| Core capital (leverage) ratio | 9.6956% | 2,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7146% | 664 |
| Memoranda: | ||
| Average total assets | $88,250,500 | 4,063 |
| Average earning assets | $83,617,000 | 4,029 |
| Average equity | $6,254,500 | 4,342 |
| Average total loans | $39,503,000 | 4,090 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7836% | 1,351 |
| Cost of funding earning assets | 0.1857% | 3,107 |
| Net interest margin | 3.5979% | 1,073 |
| Noninterest income to average assets | 0.1789% | 4,112 |
| Noninterest expense to average assets | 1.8757% | 3,765 |
| Loan and lease loss provision to assets | 0.0824% | 1,195 |
| Net operating income to assets | 1.4621% | 773 |
| Return on assets (ROA) | 1.4474% | 784 |
| Pretax return on assets | 1.6239% | 894 |
| Return on Equity (ROE) | 19.4744% | 343 |
| Retained earnings to average equity (ytd only) | 19.2844% | 89 |
| Net charge-offs to loans | 0.0150% | 1,458 |
| Credit loss provision to net charge-offs | 1,166.6667% | 367 |
| Earnings coverage of net charge-offs (x) | 244.0000% | 482 |
| Efficiency ratio | 52.1256% | 4,120 |
| Assets per employee ($millions) | 8.2531% | 1,173 |
| Cash dividends to net income (ytd only)* | 0.9756% | 2,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6595% | 1,034 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 41.0568% | 4,029 |
| Net loans and leases to deposits | 44.2720% | 4,101 |
| Net loans and leases to core deposits | 45.9423% | 4,124 |
| Total domestic deposits to total assets | 92.7377% | 577 |
| Equity capital to assets | 5.6001% | 4,332 |
| Core capital (leverage) ratio | 8.7239% | 3,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1209% | 975 |
| Memoranda: | ||
| Average total assets | $84,979,667 | 4,139 |
| Average earning assets | $80,770,000 | 4,111 |
| Average equity | $6,316,000 | 4,382 |
| Average total loans | $39,900,000 | 4,139 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9250% | 883 |
| Cost of funding earning assets | 0.1789% | 3,099 |
| Net interest margin | 3.7461% | 692 |
| Noninterest income to average assets | 0.1949% | 3,992 |
| Noninterest expense to average assets | 1.9543% | 3,547 |
| Loan and lease loss provision to assets | 0.1121% | 744 |
| Net operating income to assets | 1.4718% | 674 |
| Return on assets (ROA) | 1.4718% | 668 |
| Pretax return on assets | 1.7008% | 683 |
| Return on Equity (ROE) | 17.4264% | 375 |
| Retained earnings to average equity (ytd only) | 17.0802% | 177 |
| Net charge-offs to loans | -0.0098% | 3,579 |
| Credit loss provision to net charge-offs | -2,300.0000% | 3,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8758% | 4,207 |
| Assets per employee ($millions) | 7.6275% | 1,607 |
| Cash dividends to net income (ytd only)* | 1.9868% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5192% | 1,500 |
| Loan loss allowance to noncurrent loans | 8,857.1429% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 3,990 |
| Noncurrent loans to loans | 0.0172% | 3,878 |
| Net loans and leases to total assets | 47.9023% | 3,395 |
| Net loans and leases to deposits | 53.6961% | 3,442 |
| Net loans and leases to core deposits | 56.3791% | 3,414 |
| Total domestic deposits to total assets | 89.2100% | 1,974 |
| Equity capital to assets | 7.7924% | 3,734 |
| Core capital (leverage) ratio | 8.5783% | 3,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0121% | 1,250 |
| Memoranda: | ||
| Average total assets | $82,077,500 | 4,194 |
| Average earning assets | $78,267,500 | 4,160 |
| Average equity | $6,932,000 | 4,367 |
| Average total loans | $40,899,000 | 4,143 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4221% | 690 |
| Cost of funding earning assets | 0.2247% | 3,197 |
| Net interest margin | 4.1974% | 493 |
| Noninterest income to average assets | 0.1904% | 4,212 |
| Noninterest expense to average assets | 2.2138% | 3,035 |
| Loan and lease loss provision to assets | 0.0860% | 1,429 |
| Net operating income to assets | 1.6026% | 802 |
| Return on assets (ROA) | 1.7139% | 637 |
| Pretax return on assets | 2.0233% | 577 |
| Return on Equity (ROE) | 18.7143% | 397 |
| Retained earnings to average equity (ytd only) | 15.3209% | 203 |
| Net charge-offs to loans | 0.0162% | 1,981 |
| Credit loss provision to net charge-offs | 1,083.3333% | 504 |
| Earnings coverage of net charge-offs (x) | 249.3333% | 463 |
| Efficiency ratio | 52.8076% | 4,053 |
| Assets per employee ($millions) | 7.2957% | 1,729 |
| Cash dividends to net income (ytd only)* | 18.1327% | 3,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4566% | 1,709 |
| 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 | 50.3283% | 3,240 |
| Net loans and leases to deposits | 56.6091% | 3,372 |
| Net loans and leases to core deposits | 59.5811% | 3,343 |
| Total domestic deposits to total assets | 88.9051% | 1,567 |
| Equity capital to assets | 9.0925% | 3,523 |
| Core capital (leverage) ratio | 8.4967% | 3,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1272% | 1,233 |
| Memoranda: | ||
| Average total assets | $75,617,800 | 4,271 |
| Average earning assets | $72,092,200 | 4,232 |
| Average equity | $6,925,200 | 4,430 |
| Average total loans | $37,089,800 | 4,249 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6512% | 524 |
| Cost of funding earning assets | 0.2351% | 3,261 |
| Net interest margin | 4.4161% | 367 |
| Noninterest income to average assets | 0.1952% | 4,224 |
| Noninterest expense to average assets | 2.1971% | 3,077 |
| Loan and lease loss provision to assets | 0.0806% | 1,472 |
| Net operating income to assets | 1.8151% | 647 |
| Return on assets (ROA) | 1.9321% | 547 |
| Pretax return on assets | 2.2580% | 493 |
| Return on Equity (ROE) | 21.0565% | 353 |
| Retained earnings to average equity (ytd only) | 18.4220% | 184 |
| Net charge-offs to loans | -0.0074% | 3,560 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9389% | 4,229 |
| Assets per employee ($millions) | 8.8024% | 954 |
| Cash dividends to net income (ytd only)* | 12.5116% | 2,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4918% | 1,663 |
| 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 | 48.7617% | 3,546 |
| Net loans and leases to deposits | 55.2947% | 3,635 |
| Net loans and leases to core deposits | 58.2602% | 3,604 |
| Total domestic deposits to total assets | 88.1851% | 1,726 |
| Equity capital to assets | 9.2601% | 3,601 |
| Core capital (leverage) ratio | 8.4184% | 4,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2017% | 1,311 |
| Memoranda: | ||
| Average total assets | $74,459,000 | 4,339 |
| Average earning assets | $70,890,500 | 4,307 |
| Average equity | $6,832,250 | 4,502 |
| Average total loans | $36,115,500 | 4,326 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5002% | 724 |
| Cost of funding earning assets | 0.2481% | 3,297 |
| Net interest margin | 4.2521% | 534 |
| Noninterest income to average assets | 0.1976% | 4,209 |
| Noninterest expense to average assets | 2.2862% | 2,809 |
| Loan and lease loss provision to assets | 0.0823% | 1,480 |
| Net operating income to assets | 1.5765% | 1,100 |
| Return on assets (ROA) | 1.6687% | 974 |
| Pretax return on assets | 1.9843% | 865 |
| Return on Equity (ROE) | 18.2464% | 622 |
| Retained earnings to average equity (ytd only) | 14.1950% | 519 |
| Net charge-offs to loans | -0.0114% | 3,718 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8810% | 3,820 |
| Assets per employee ($millions) | 9.8109% | 648 |
| Cash dividends to net income (ytd only)* | 22.2039% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5396% | 1,455 |
| Loan loss allowance to noncurrent loans | 11,400.0000% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 4,270 |
| Noncurrent loans to loans | 0.0135% | 4,172 |
| Net loans and leases to total assets | 46.4446% | 3,872 |
| Net loans and leases to deposits | 52.7815% | 3,948 |
| Net loans and leases to core deposits | 55.4806% | 3,927 |
| Total domestic deposits to total assets | 87.9942% | 1,822 |
| Equity capital to assets | 8.7186% | 4,033 |
| Core capital (leverage) ratio | 8.0168% | 4,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5152% | 1,225 |
| Memoranda: | ||
| Average total assets | $72,871,333 | 4,388 |
| Average earning assets | $69,331,000 | 4,349 |
| Average equity | $6,664,333 | 4,551 |
| Average total loans | $35,082,333 | 4,376 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8200% | 2,048 |
| Cost of funding earning assets | 0.2763% | 3,211 |
| Net interest margin | 3.5437% | 1,717 |
| Noninterest income to average assets | 0.2855% | 3,696 |
| Noninterest expense to average assets | 2.7290% | 1,556 |
| Loan and lease loss provision to assets | 0.0856% | 1,529 |
| Net operating income to assets | 0.6502% | 3,810 |
| Return on assets (ROA) | 0.7764% | 3,565 |
| Pretax return on assets | 0.9991% | 3,373 |
| Return on Equity (ROE) | 8.2738% | 3,247 |
| Retained earnings to average equity (ytd only) | 4.8669% | 3,266 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6875% | 1,252 |
| Assets per employee ($millions) | 9.1363% | 792 |
| Cash dividends to net income (ytd only)* | 41.1765% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5407% | 1,459 |
| 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 | 48.3513% | 3,776 |
| Net loans and leases to deposits | 56.2497% | 3,772 |
| Net loans and leases to core deposits | 58.4432% | 3,807 |
| Total domestic deposits to total assets | 85.9584% | 2,750 |
| Equity capital to assets | 8.9752% | 3,710 |
| Core capital (leverage) ratio | 8.1979% | 4,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5235% | 1,420 |
| Memoranda: | ||
| Average total assets | $70,063,500 | 4,438 |
| Average earning assets | $66,597,000 | 4,403 |
| Average equity | $6,575,000 | 4,575 |
| Average total loans | $34,112,000 | 4,413 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0302% | 2,638 |
| Cost of funding earning assets | 0.4388% | 3,351 |
| Net interest margin | 3.5914% | 2,166 |
| Noninterest income to average assets | 0.2256% | 4,149 |
| Noninterest expense to average assets | 2.1410% | 3,848 |
| Loan and lease loss provision to assets | 0.1867% | 2,086 |
| Net operating income to assets | 1.1807% | 1,612 |
| Return on assets (ROA) | 1.5242% | 824 |
| Pretax return on assets | 1.6589% | 932 |
| Return on Equity (ROE) | 16.3179% | 472 |
| Retained earnings to average equity (ytd only) | 13.0161% | 242 |
| Net charge-offs to loans | 0.4115% | 412 |
| Credit loss provision to net charge-offs | 92.7419% | 2,907 |
| Earnings coverage of net charge-offs (x) | 7.3145% | 2,707 |
| Efficiency ratio | 59.2543% | 3,559 |
| Assets per employee ($millions) | 7.4486% | 1,313 |
| Cash dividends to net income (ytd only)* | 20.2343% | 3,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6640% | 1,130 |
| 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 | 47.4260% | 4,012 |
| Net loans and leases to deposits | 57.5460% | 3,913 |
| Net loans and leases to core deposits | 60.6829% | 3,905 |
| Total domestic deposits to total assets | 82.4142% | 3,559 |
| Equity capital to assets | 9.8304% | 3,284 |
| Core capital (leverage) ratio | 8.4665% | 4,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5527% | 1,138 |
| Memoranda: | ||
| Average total assets | $61,606,000 | 4,494 |
| Average earning assets | $58,110,600 | 4,466 |
| Average equity | $5,754,400 | 4,671 |
| Average total loans | $30,135,000 | 4,516 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0954% | 2,683 |
| Cost of funding earning assets | 0.4744% | 3,398 |
| Net interest margin | 3.6211% | 2,193 |
| Noninterest income to average assets | 0.2279% | 4,131 |
| Noninterest expense to average assets | 2.0470% | 4,055 |
| Loan and lease loss provision to assets | 0.2539% | 1,601 |
| Net operating income to assets | 1.2326% | 1,545 |
| Return on assets (ROA) | 1.6133% | 772 |
| Pretax return on assets | 1.7527% | 865 |
| Return on Equity (ROE) | 17.5273% | 400 |
| Retained earnings to average equity (ytd only) | 14.2334% | 241 |
| Net charge-offs to loans | 0.5363% | 275 |
| Credit loss provision to net charge-offs | 96.6387% | 2,656 |
| Earnings coverage of net charge-offs (x) | 6.0504% | 2,683 |
| Efficiency ratio | 56.2310% | 3,892 |
| Assets per employee ($millions) | 7.4169% | 1,266 |
| Cash dividends to net income (ytd only)* | 18.7929% | 2,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7179% | 868 |
| 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 | 46.5379% | 4,287 |
| Net loans and leases to deposits | 56.9039% | 4,216 |
| Net loans and leases to core deposits | 60.0394% | 4,200 |
| Total domestic deposits to total assets | 81.7833% | 3,476 |
| Equity capital to assets | 9.4619% | 3,711 |
| Core capital (leverage) ratio | 8.4029% | 4,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3638% | 1,171 |
| Memoranda: | ||
| Average total assets | $60,248,250 | 4,529 |
| Average earning assets | $56,777,250 | 4,503 |
| Average equity | $5,545,500 | 4,714 |
| Average total loans | $29,586,000 | 4,548 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2890% | 2,505 |
| Cost of funding earning assets | 0.5205% | 3,415 |
| Net interest margin | 3.7684% | 1,923 |
| Noninterest income to average assets | 0.2445% | 4,014 |
| Noninterest expense to average assets | 2.0902% | 4,051 |
| Loan and lease loss provision to assets | 0.2927% | 1,469 |
| Net operating income to assets | 1.3198% | 1,305 |
| Return on assets (ROA) | 1.7114% | 663 |
| Pretax return on assets | 1.8182% | 786 |
| Return on Equity (ROE) | 18.7949% | 319 |
| Retained earnings to average equity (ytd only) | 15.6561% | 190 |
| Net charge-offs to loans | -0.0069% | 4,103 |
| Credit loss provision to net charge-offs | -8,500.0000% | 4,183 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2320% | 4,037 |
| Assets per employee ($millions) | 7.8848% | 1,015 |
| Cash dividends to net income (ytd only)* | 16.7002% | 2,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1933% | 338 |
| Loan loss allowance to noncurrent loans | 121.4971% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 0.8260% | 1,501 |
| Noncurrent loans to loans | 1.8053% | 779 |
| Net loans and leases to total assets | 44.7494% | 4,418 |
| Net loans and leases to deposits | 54.4576% | 4,361 |
| Net loans and leases to core deposits | 58.0910% | 4,350 |
| Total domestic deposits to total assets | 82.1729% | 3,325 |
| Equity capital to assets | 9.6119% | 3,554 |
| Core capital (leverage) ratio | 8.7660% | 4,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5403% | 1,124 |
| Memoranda: | ||
| Average total assets | $58,080,333 | 4,568 |
| Average earning assets | $54,558,333 | 4,545 |
| Average equity | $5,288,667 | 4,767 |
| Average total loans | $28,912,000 | 4,583 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2766% | 2,993 |
| Cost of funding earning assets | 0.6000% | 3,438 |
| Net interest margin | 3.6767% | 2,414 |
| Noninterest income to average assets | 0.2879% | 3,799 |
| Noninterest expense to average assets | 2.1950% | 4,018 |
| Loan and lease loss provision to assets | 0.3886% | 787 |
| Net operating income to assets | 1.1587% | 1,663 |
| Return on assets (ROA) | 1.6408% | 632 |
| Pretax return on assets | 1.6264% | 998 |
| Return on Equity (ROE) | 18.6065% | 229 |
| Retained earnings to average equity (ytd only) | 15.1790% | 181 |
| Net charge-offs to loans | 0.0138% | 2,105 |
| Credit loss provision to net charge-offs | 5,500.0000% | 139 |
| Earnings coverage of net charge-offs (x) | 213.0000% | 329 |
| Efficiency ratio | 58.8803% | 3,891 |
| Assets per employee ($millions) | 6.3471% | 1,435 |
| Cash dividends to net income (ytd only)* | 18.4211% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0741% | 451 |
| Loan loss allowance to noncurrent loans | 115.3551% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 0.9121% | 1,468 |
| Noncurrent loans to loans | 1.7980% | 839 |
| Net loans and leases to total assets | 49.6744% | 4,257 |
| Net loans and leases to deposits | 59.0601% | 4,241 |
| Net loans and leases to core deposits | 63.2391% | 4,212 |
| Total domestic deposits to total assets | 84.1083% | 2,753 |
| Equity capital to assets | 7.9441% | 4,982 |
| Core capital (leverage) ratio | 9.1604% | 4,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0990% | 1,326 |
| Memoranda: | ||
| Average total assets | $55,581,500 | 4,616 |
| Average earning assets | $52,003,500 | 4,600 |
| Average equity | $4,901,500 | 4,849 |
| Average total loans | $28,938,000 | 4,617 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5011% | 2,936 |
| Cost of funding earning assets | 0.6722% | 3,300 |
| Net interest margin | 3.8289% | 2,411 |
| Noninterest income to average assets | 0.2788% | 4,014 |
| Noninterest expense to average assets | 2.1797% | 4,203 |
| Loan and lease loss provision to assets | 0.3693% | 403 |
| Net operating income to assets | 1.0712% | 2,569 |
| Return on assets (ROA) | 1.1040% | 2,525 |
| Pretax return on assets | 1.3320% | 2,390 |
| Return on Equity (ROE) | 12.0561% | 1,491 |
| Retained earnings to average equity (ytd only) | 8.1060% | 947 |
| Net charge-offs to loans | 0.0223% | 2,968 |
| Credit loss provision to net charge-offs | 3,266.6667% | 127 |
| Earnings coverage of net charge-offs (x) | 147.0000% | 502 |
| Efficiency ratio | 56.7435% | 4,119 |
| Assets per employee ($millions) | 6.0043% | 1,633 |
| Cash dividends to net income (ytd only)* | 32.7645% | 2,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8928% | 564 |
| Loan loss allowance to noncurrent loans | 104.9904% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 0.9641% | 1,308 |
| Noncurrent loans to loans | 1.8028% | 747 |
| Net loans and leases to total assets | 52.4658% | 4,188 |
| Net loans and leases to deposits | 60.3298% | 4,270 |
| Net loans and leases to core deposits | 64.3223% | 4,264 |
| Total domestic deposits to total assets | 86.9650% | 1,626 |
| Equity capital to assets | 9.7430% | 4,158 |
| Core capital (leverage) ratio | 8.8034% | 4,663 |
| Tier 1 risk-based capital ratio | 16.0332% | 2,393 |
| Total risk-based capital ratio | 17.2903% | 2,337 |
| Memoranda: | ||
| Average total assets | $53,079,800 | 4,696 |
| Average earning assets | $49,388,000 | 4,683 |
| Average equity | $4,860,600 | 4,900 |
| Average total loans | $26,910,600 | 4,710 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5217% | 2,989 |
| Cost of funding earning assets | 0.6677% | 3,362 |
| Net interest margin | 3.8540% | 2,419 |
| Noninterest income to average assets | 0.2750% | 4,103 |
| Noninterest expense to average assets | 2.1650% | 4,243 |
| Loan and lease loss provision to assets | 0.0883% | 2,137 |
| Net operating income to assets | 1.3717% | 1,568 |
| Return on assets (ROA) | 1.3802% | 1,601 |
| Pretax return on assets | 1.6149% | 1,586 |
| Return on Equity (ROE) | 15.3235% | 710 |
| Retained earnings to average equity (ytd only) | 11.5136% | 450 |
| Net charge-offs to loans | 0.0253% | 2,594 |
| Credit loss provision to net charge-offs | 700.0000% | 475 |
| Earnings coverage of net charge-offs (x) | 134.1289% | 594 |
| Efficiency ratio | 56.1151% | 4,160 |
| Assets per employee ($millions) | 6.1062% | 1,528 |
| Cash dividends to net income (ytd only)* | 24.8629% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3679% | 1,694 |
| 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 | 50.9080% | 4,379 |
| Net loans and leases to deposits | 60.3655% | 4,363 |
| Net loans and leases to core deposits | 64.4958% | 4,346 |
| Total domestic deposits to total assets | 84.3329% | 2,700 |
| Equity capital to assets | 9.5003% | 4,451 |
| Core capital (leverage) ratio | 9.3527% | 4,324 |
| Tier 1 risk-based capital ratio | 16.5291% | 2,257 |
| Total risk-based capital ratio | 17.7803% | 2,189 |
| Memoranda: | ||
| Average total assets | $52,840,000 | 4,773 |
| Average earning assets | $49,125,000 | 4,757 |
| Average equity | $4,759,500 | 4,978 |
| Average total loans | $26,413,500 | 4,789 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5418% | 2,880 |
| Cost of funding earning assets | 0.6978% | 3,180 |
| Net interest margin | 3.8440% | 2,422 |
| Noninterest income to average assets | 0.2839% | 4,043 |
| Noninterest expense to average assets | 2.2288% | 4,172 |
| Loan and lease loss provision to assets | 0.0806% | 2,222 |
| Net operating income to assets | 1.3185% | 1,703 |
| Return on assets (ROA) | 1.3120% | 1,793 |
| Pretax return on assets | 1.5383% | 1,733 |
| Return on Equity (ROE) | 14.8513% | 791 |
| Retained earnings to average equity (ytd only) | 11.3773% | 497 |
| Net charge-offs to loans | 0.0388% | 2,108 |
| Credit loss provision to net charge-offs | 420.0000% | 682 |
| Earnings coverage of net charge-offs (x) | 84.8000% | 782 |
| Efficiency ratio | 57.8109% | 4,039 |
| Assets per employee ($millions) | 5.7604% | 1,730 |
| Cash dividends to net income (ytd only)* | 23.3918% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4671% | 1,370 |
| 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 | 48.4492% | 4,553 |
| Net loans and leases to deposits | 53.9812% | 4,680 |
| Net loans and leases to core deposits | 57.9143% | 4,647 |
| Total domestic deposits to total assets | 89.7519% | 402 |
| Equity capital to assets | 9.5826% | 4,327 |
| Core capital (leverage) ratio | 9.0291% | 4,608 |
| Tier 1 risk-based capital ratio | 16.8648% | 2,130 |
| Total risk-based capital ratio | 18.1174% | 2,070 |
| Memoranda: | ||
| Average total assets | $52,134,670 | 4,818 |
| Average earning assets | $48,439,000 | 4,800 |
| Average equity | $4,605,670 | 5,032 |
| Average total loans | $25,763,000 | 4,836 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5269% | 2,782 |
| Cost of funding earning assets | 0.6761% | 3,171 |
| Net interest margin | 3.8508% | 2,342 |
| Noninterest income to average assets | 0.2984% | 3,887 |
| Noninterest expense to average assets | 2.2571% | 4,130 |
| Loan and lease loss provision to assets | 0.0842% | 2,014 |
| Net operating income to assets | 1.3448% | 1,538 |
| Return on assets (ROA) | 1.3313% | 1,629 |
| Pretax return on assets | 1.5149% | 1,716 |
| Return on Equity (ROE) | 15.7306% | 628 |
| Retained earnings to average equity (ytd only) | 10.5775% | 908 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3004% | 4,043 |
| Assets per employee ($millions) | 5.3804% | 2,092 |
| Cash dividends to net income (ytd only)* | 32.7586% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4374% | 1,544 |
| Loan loss allowance to noncurrent loans | 18,400.0000% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 4,871 |
| Noncurrent loans to loans | 0.0078% | 4,760 |
| Net loans and leases to total assets | 46.8999% | 4,624 |
| Net loans and leases to deposits | 54.6735% | 4,657 |
| Net loans and leases to core deposits | 58.3486% | 4,632 |
| Total domestic deposits to total assets | 85.7817% | 2,371 |
| Equity capital to assets | 8.4994% | 4,988 |
| Core capital (leverage) ratio | 8.5404% | 4,985 |
| Tier 1 risk-based capital ratio | 16.0316% | 2,425 |
| Total risk-based capital ratio | 17.2829% | 2,369 |
| Memoranda: | ||
| Average total assets | $52,280,000 | 4,867 |
| Average earning assets | $48,510,000 | 4,846 |
| Average equity | $4,424,500 | 5,098 |
| Average total loans | $25,898,500 | 4,884 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2345% | 3,339 |
| Cost of funding earning assets | 0.4405% | 3,734 |
| Net interest margin | 3.7939% | 2,680 |
| Noninterest income to average assets | 0.3567% | 3,708 |
| Noninterest expense to average assets | 2.2569% | 4,212 |
| Loan and lease loss provision to assets | 0.0967% | 2,226 |
| Net operating income to assets | 1.4326% | 1,328 |
| Return on assets (ROA) | 1.4307% | 1,328 |
| Pretax return on assets | 1.5415% | 1,650 |
| Return on Equity (ROE) | 17.2892% | 468 |
| Retained earnings to average equity (ytd only) | 10.0326% | 612 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9111% | 4,175 |
| Assets per employee ($millions) | 5.0756% | 2,404 |
| Cash dividends to net income (ytd only)* | 41.9718% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3629% | 1,780 |
| 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 | 50.9063% | 4,461 |
| Net loans and leases to deposits | 58.4941% | 4,551 |
| Net loans and leases to core deposits | 62.1136% | 4,533 |
| Total domestic deposits to total assets | 87.0281% | 1,773 |
| Equity capital to assets | 8.4246% | 4,975 |
| Core capital (leverage) ratio | 8.6289% | 4,936 |
| Tier 1 risk-based capital ratio | 15.7075% | 2,528 |
| Total risk-based capital ratio | 16.9592% | 2,452 |
| Memoranda: | ||
| Average total assets | $49,625,400 | 4,945 |
| Average earning assets | $46,310,600 | 4,929 |
| Average equity | $4,106,600 | 5,165 |
| Average total loans | $24,964,400 | 4,939 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1362% | 3,511 |
| Cost of funding earning assets | 0.3844% | 3,975 |
| Net interest margin | 3.7518% | 2,821 |
| Noninterest income to average assets | 0.3648% | 3,688 |
| Noninterest expense to average assets | 2.1806% | 4,360 |
| Loan and lease loss provision to assets | 0.0973% | 2,034 |
| Net operating income to assets | 1.5401% | 1,093 |
| Return on assets (ROA) | 1.5375% | 1,099 |
| Pretax return on assets | 1.5916% | 1,611 |
| Return on Equity (ROE) | 18.6664% | 369 |
| Retained earnings to average equity (ytd only) | 10.7602% | 706 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3154% | 4,343 |
| Assets per employee ($millions) | 5.1241% | 2,308 |
| Cash dividends to net income (ytd only)* | 42.3555% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3459% | 1,899 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 49.3531% | 4,640 |
| Net loans and leases to deposits | 56.4424% | 4,725 |
| Net loans and leases to core deposits | 58.5746% | 4,755 |
| Total domestic deposits to total assets | 87.4397% | 1,525 |
| Equity capital to assets | 8.0190% | 5,168 |
| Core capital (leverage) ratio | 8.6054% | 5,029 |
| Tier 1 risk-based capital ratio | 15.9863% | 2,458 |
| Total risk-based capital ratio | 17.2367% | 2,389 |
| Memoranda: | ||
| Average total assets | $49,342,750 | 5,002 |
| Average earning assets | $46,127,750 | 4,983 |
| Average equity | $4,064,250 | 5,236 |
| Average total loans | $24,656,750 | 5,007 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0569% | 3,590 |
| Cost of funding earning assets | 0.3476% | 4,089 |
| Net interest margin | 3.7093% | 2,888 |
| Noninterest income to average assets | 0.3819% | 3,609 |
| Noninterest expense to average assets | 2.1597% | 4,466 |
| Loan and lease loss provision to assets | 0.0985% | 1,965 |
| Net operating income to assets | 1.6506% | 801 |
| Return on assets (ROA) | 1.6465% | 815 |
| Pretax return on assets | 1.5808% | 1,565 |
| Return on Equity (ROE) | 19.8057% | 279 |
| Retained earnings to average equity (ytd only) | 12.4465% | 455 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1966% | 4,454 |
| Assets per employee ($millions) | 5.5046% | 1,875 |
| Cash dividends to net income (ytd only)* | 37.1571% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3674% | 1,868 |
| Loan loss allowance to noncurrent loans | 116.8421% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 0.5753% | 2,505 |
| Noncurrent loans to loans | 1.1703% | 1,490 |
| Net loans and leases to total assets | 48.4851% | 4,696 |
| Net loans and leases to deposits | 54.3943% | 4,826 |
| Net loans and leases to core deposits | 56.1464% | 4,862 |
| Total domestic deposits to total assets | 89.1363% | 877 |
| Equity capital to assets | 8.2477% | 5,103 |
| Core capital (leverage) ratio | 8.5333% | 5,083 |
| Tier 1 risk-based capital ratio | 15.9602% | 2,450 |
| Total risk-based capital ratio | 17.2049% | 2,391 |
| Memoranda: | ||
| Average total assets | $48,710,000 | 5,076 |
| Average earning assets | $45,453,670 | 5,058 |
| Average equity | $4,049,330 | 5,292 |
| Average total loans | $24,331,000 | 5,075 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9904% | 3,640 |
| Cost of funding earning assets | 0.3118% | 4,254 |
| Net interest margin | 3.6787% | 2,889 |
| Noninterest income to average assets | 0.3561% | 3,764 |
| Noninterest expense to average assets | 2.2197% | 4,368 |
| Loan and lease loss provision to assets | 0.0994% | 1,862 |
| Net operating income to assets | 1.8553% | 505 |
| Return on assets (ROA) | 1.8553% | 505 |
| Pretax return on assets | 1.4577% | 1,810 |
| Return on Equity (ROE) | 22.2277% | 160 |
| Retained earnings to average equity (ytd only) | 14.7854% | 341 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7719% | 4,255 |
| Assets per employee ($millions) | 5.4979% | 1,947 |
| Cash dividends to net income (ytd only)* | 33.4821% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3178% | 2,161 |
| Loan loss allowance to noncurrent loans | 110.6897% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 0.5861% | 2,567 |
| Noncurrent loans to loans | 1.1906% | 1,531 |
| Net loans and leases to total assets | 48.5782% | 4,657 |
| Net loans and leases to deposits | 53.2228% | 4,833 |
| Net loans and leases to core deposits | 55.2169% | 4,863 |
| Total domestic deposits to total assets | 91.2734% | 232 |
| Equity capital to assets | 8.1385% | 5,212 |
| Core capital (leverage) ratio | 8.4769% | 5,156 |
| Tier 1 risk-based capital ratio | 16.3042% | 2,353 |
| Total risk-based capital ratio | 17.5559% | 2,300 |
| Memoranda: | ||
| Average total assets | $48,294,500 | 5,139 |
| Average earning assets | $44,907,500 | 5,131 |
| Average equity | $4,031,000 | 5,349 |
| Average total loans | $24,320,000 | 5,133 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0239% | 3,327 |
| Cost of funding earning assets | 0.2079% | 4,882 |
| Net interest margin | 3.8159% | 2,371 |
| Noninterest income to average assets | 0.3601% | 3,894 |
| Noninterest expense to average assets | 2.1739% | 4,584 |
| Loan and lease loss provision to assets | 0.1149% | 1,978 |
| Net operating income to assets | 1.2596% | 1,329 |
| Return on assets (ROA) | 1.2681% | 1,327 |
| Pretax return on assets | 1.6503% | 1,156 |
| Return on Equity (ROE) | 14.8959% | 624 |
| Retained earnings to average equity (ytd only) | 10.7697% | 267 |
| Net charge-offs to loans | 0.0437% | 2,920 |
| Credit loss provision to net charge-offs | 520.0000% | 596 |
| Earnings coverage of net charge-offs (x) | 79.4000% | 776 |
| Efficiency ratio | 55.3431% | 4,828 |
| Assets per employee ($millions) | 5.2342% | 2,216 |
| Cash dividends to net income (ytd only)* | 27.7003% | 3,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2725% | 2,364 |
| 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 | 50.8894% | 4,599 |
| Net loans and leases to deposits | 58.2548% | 4,678 |
| Net loans and leases to core deposits | 60.6558% | 4,726 |
| Total domestic deposits to total assets | 87.3567% | 1,833 |
| Equity capital to assets | 8.5654% | 5,071 |
| Core capital (leverage) ratio | 8.4146% | 5,212 |
| Tier 1 risk-based capital ratio | 15.0586% | 2,824 |
| Total risk-based capital ratio | 16.2164% | 2,796 |
| Memoranda: | ||
| Average total assets | $45,264,000 | 5,246 |
| Average earning assets | $42,322,600 | 5,224 |
| Average equity | $3,853,400 | 5,442 |
| Average total loans | $22,903,400 | 5,228 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9513% | 3,517 |
| Cost of funding earning assets | 0.1809% | 5,133 |
| Net interest margin | 3.7704% | 2,502 |
| Noninterest income to average assets | 0.3720% | 3,866 |
| Noninterest expense to average assets | 2.1575% | 4,619 |
| Loan and lease loss provision to assets | 0.1042% | 2,027 |
| Net operating income to assets | 1.2876% | 1,383 |
| Return on assets (ROA) | 1.2945% | 1,389 |
| Pretax return on assets | 1.6546% | 1,232 |
| Return on Equity (ROE) | 15.2308% | 627 |
| Retained earnings to average equity (ytd only) | 10.8540% | 432 |
| Net charge-offs to loans | 0.0473% | 2,495 |
| Credit loss provision to net charge-offs | 437.5000% | 718 |
| Earnings coverage of net charge-offs (x) | 73.4752% | 863 |
| Efficiency ratio | 55.2171% | 4,824 |
| Assets per employee ($millions) | 5.2846% | 2,137 |
| Cash dividends to net income (ytd only)* | 28.7350% | 2,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1919% | 2,973 |
| 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 | 51.2458% | 4,630 |
| Net loans and leases to deposits | 58.8606% | 4,691 |
| Net loans and leases to core deposits | 61.2695% | 4,752 |
| Total domestic deposits to total assets | 87.0629% | 1,845 |
| Equity capital to assets | 8.5238% | 5,269 |
| Core capital (leverage) ratio | 8.2999% | 5,368 |
| Tier 1 risk-based capital ratio | 14.3749% | 3,253 |
| Total risk-based capital ratio | 15.4544% | 3,252 |
| Memoranda: | ||
| Average total assets | $44,803,000 | 5,312 |
| Average earning assets | $42,010,750 | 5,288 |
| Average equity | $3,808,000 | 5,507 |
| Average total loans | $22,558,750 | 5,297 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8620% | 3,675 |
| Cost of funding earning assets | 0.1654% | 5,237 |
| Net interest margin | 3.6966% | 2,672 |
| Noninterest income to average assets | 0.3692% | 3,914 |
| Noninterest expense to average assets | 2.1922% | 4,574 |
| Loan and lease loss provision to assets | 0.0957% | 2,081 |
| Net operating income to assets | 1.2649% | 1,391 |
| Return on assets (ROA) | 1.2761% | 1,387 |
| Pretax return on assets | 1.5587% | 1,463 |
| Return on Equity (ROE) | 15.0295% | 654 |
| Retained earnings to average equity (ytd only) | 10.7354% | 476 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1938% | 4,682 |
| Assets per employee ($millions) | 5.2228% | 2,134 |
| Cash dividends to net income (ytd only)* | 28.5714% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2554% | 2,653 |
| 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 | 48.1927% | 4,810 |
| Net loans and leases to deposits | 52.9858% | 5,018 |
| Net loans and leases to core deposits | 55.5534% | 5,018 |
| Total domestic deposits to total assets | 90.9542% | 233 |
| Equity capital to assets | 8.3204% | 5,401 |
| Core capital (leverage) ratio | 8.0708% | 5,499 |
| Tier 1 risk-based capital ratio | 13.2927% | 3,805 |
| Total risk-based capital ratio | 14.3141% | 3,872 |
| Memoranda: | ||
| Average total assets | $43,883,670 | 5,372 |
| Average earning assets | $41,118,330 | 5,344 |
| Average equity | $3,726,000 | 5,558 |
| Average total loans | $21,856,000 | 5,356 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7697% | 3,870 |
| Cost of funding earning assets | 0.1500% | 5,373 |
| Net interest margin | 3.6197% | 2,818 |
| Noninterest income to average assets | 0.3308% | 4,183 |
| Noninterest expense to average assets | 2.2777% | 4,466 |
| Loan and lease loss provision to assets | 0.0851% | 2,119 |
| Net operating income to assets | 1.1908% | 1,523 |
| Return on assets (ROA) | 1.1908% | 1,566 |
| Pretax return on assets | 1.3893% | 1,925 |
| Return on Equity (ROE) | 13.8709% | 830 |
| Retained earnings to average equity (ytd only) | 10.0179% | 801 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7053% | 4,362 |
| Assets per employee ($millions) | 5.0264% | 2,404 |
| Cash dividends to net income (ytd only)* | 27.7778% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2539% | 2,801 |
| 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 | 48.0459% | 4,819 |
| Net loans and leases to deposits | 53.6985% | 4,952 |
| Net loans and leases to core deposits | 56.4545% | 4,956 |
| Total domestic deposits to total assets | 89.4735% | 910 |
| Equity capital to assets | 8.1458% | 5,448 |
| Core capital (leverage) ratio | 8.5006% | 5,227 |
| Tier 1 risk-based capital ratio | 13.4878% | 3,784 |
| Total risk-based capital ratio | 14.4980% | 3,836 |
| Memoranda: | ||
| Average total assets | $42,323,000 | 5,460 |
| Average earning assets | $40,003,000 | 5,430 |
| Average equity | $3,633,500 | 5,629 |
| Average total loans | $21,313,500 | 5,428 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8306% | 3,804 |
| Cost of funding earning assets | 0.1149% | 5,634 |
| Net interest margin | 3.7157% | 2,627 |
| Noninterest income to average assets | 0.2996% | 4,592 |
| Noninterest expense to average assets | 2.3669% | 4,375 |
| Loan and lease loss provision to assets | 0.0347% | 3,667 |
| Net operating income to assets | 1.0862% | 1,951 |
| Return on assets (ROA) | 1.0918% | 2,031 |
| Pretax return on assets | 1.4286% | 1,825 |
| Return on Equity (ROE) | 12.3171% | 1,168 |
| Retained earnings to average equity (ytd only) | 9.9430% | 415 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9171% | 4,268 |
| Assets per employee ($millions) | 4.3787% | 3,312 |
| Cash dividends to net income (ytd only)* | 19.2744% | 3,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2951% | 2,573 |
| 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 | 51.6367% | 4,643 |
| Net loans and leases to deposits | 57.4814% | 4,830 |
| Net loans and leases to core deposits | 59.8025% | 4,867 |
| Total domestic deposits to total assets | 89.8320% | 710 |
| Equity capital to assets | 9.0895% | 4,719 |
| Core capital (leverage) ratio | 8.8183% | 4,949 |
| Tier 1 risk-based capital ratio | 14.3177% | 3,271 |
| Total risk-based capital ratio | 15.3849% | 3,313 |
| Memoranda: | ||
| Average total assets | $40,390,600 | 5,535 |
| Average earning assets | $38,297,000 | 5,504 |
| Average equity | $3,580,400 | 5,692 |
| Average total loans | $21,187,200 | 5,481 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8288% | 3,838 |
| Cost of funding earning assets | 0.1108% | 5,718 |
| Net interest margin | 3.7180% | 2,647 |
| Noninterest income to average assets | 0.2855% | 4,726 |
| Noninterest expense to average assets | 2.3689% | 4,357 |
| Loan and lease loss provision to assets | 0.0459% | 3,321 |
| Net operating income to assets | 1.0679% | 2,129 |
| Return on assets (ROA) | 1.0729% | 2,211 |
| Pretax return on assets | 1.4010% | 2,034 |
| Return on Equity (ROE) | 12.1785% | 1,268 |
| Retained earnings to average equity (ytd only) | 9.1992% | 756 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1878% | 4,195 |
| Assets per employee ($millions) | 4.5557% | 2,994 |
| Cash dividends to net income (ytd only)* | 24.4639% | 3,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2653% | 2,864 |
| 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 | 50.8134% | 4,757 |
| Net loans and leases to deposits | 56.7591% | 4,951 |
| Net loans and leases to core deposits | 58.9664% | 4,998 |
| Total domestic deposits to total assets | 89.5246% | 661 |
| Equity capital to assets | 9.0754% | 5,100 |
| Core capital (leverage) ratio | 8.5680% | 5,296 |
| Tier 1 risk-based capital ratio | 13.8829% | 3,620 |
| Total risk-based capital ratio | 14.9432% | 3,665 |
| Memoranda: | ||
| Average total assets | $40,636,250 | 5,585 |
| Average earning assets | $38,514,500 | 5,552 |
| Average equity | $3,580,000 | 5,749 |
| Average total loans | $21,330,000 | 5,524 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8263% | 3,864 |
| Cost of funding earning assets | 0.1095% | 5,810 |
| Net interest margin | 3.7168% | 2,629 |
| Noninterest income to average assets | 0.2764% | 4,803 |
| Noninterest expense to average assets | 2.3547% | 4,466 |
| Loan and lease loss provision to assets | 0.0592% | 2,956 |
| Net operating income to assets | 1.0587% | 2,135 |
| Return on assets (ROA) | 1.0663% | 2,222 |
| Pretax return on assets | 1.3921% | 2,058 |
| Return on Equity (ROE) | 12.2276% | 1,233 |
| Retained earnings to average equity (ytd only) | 9.6802% | 666 |
| Net charge-offs to loans | 0.0093% | 3,385 |
| Credit loss provision to net charge-offs | 1,200.0000% | 321 |
| Earnings coverage of net charge-offs (x) | 292.0000% | 237 |
| Efficiency ratio | 62.0286% | 4,348 |
| Assets per employee ($millions) | 4.5141% | 2,996 |
| Cash dividends to net income (ytd only)* | 20.8333% | 3,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2960% | 2,812 |
| Loan loss allowance to noncurrent loans | 4,400.0000% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 5,552 |
| Noncurrent loans to loans | 0.0295% | 5,349 |
| Net loans and leases to total assets | 49.4917% | 4,872 |
| Net loans and leases to deposits | 55.2390% | 5,067 |
| Net loans and leases to core deposits | 57.6545% | 5,085 |
| Total domestic deposits to total assets | 89.5956% | 639 |
| Equity capital to assets | 8.9817% | 5,251 |
| Core capital (leverage) ratio | 7.9233% | 5,768 |
| Tier 1 risk-based capital ratio | 13.6552% | 3,796 |
| Total risk-based capital ratio | 14.7096% | 3,841 |
| Memoranda: | ||
| Average total assets | $40,514,670 | 5,653 |
| Average earning assets | $38,366,000 | 5,621 |
| Average equity | $3,533,000 | 5,822 |
| Average total loans | $21,406,330 | 5,578 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8408% | 3,800 |
| Cost of funding earning assets | 0.1044% | 5,901 |
| Net interest margin | 3.7365% | 2,534 |
| Noninterest income to average assets | 0.2669% | 4,822 |
| Noninterest expense to average assets | 2.3234% | 4,595 |
| Loan and lease loss provision to assets | 0.1186% | 1,781 |
| Net operating income to assets | 1.0480% | 2,091 |
| Return on assets (ROA) | 1.0480% | 2,204 |
| Pretax return on assets | 1.3644% | 2,026 |
| Return on Equity (ROE) | 12.2014% | 1,253 |
| Retained earnings to average equity (ytd only) | 11.0504% | 643 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0390% | 4,594 |
| Assets per employee ($millions) | 4.1065% | 3,754 |
| Cash dividends to net income (ytd only)* | 9.4340% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2231% | 3,346 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 52.1149% | 4,621 |
| Net loans and leases to deposits | 59.5200% | 4,750 |
| Net loans and leases to core deposits | 62.1544% | 4,811 |
| Total domestic deposits to total assets | 87.5587% | 1,889 |
| Equity capital to assets | 8.6083% | 5,485 |
| Core capital (leverage) ratio | 8.3064% | 5,564 |
| Tier 1 risk-based capital ratio | 13.2284% | 4,132 |
| Total risk-based capital ratio | 14.2767% | 4,165 |
| Memoranda: | ||
| Average total assets | $40,458,500 | 5,712 |
| Average earning assets | $38,325,000 | 5,677 |
| Average equity | $3,475,000 | 5,884 |
| Average total loans | $21,924,000 | 5,617 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8949% | 3,723 |
| Cost of funding earning assets | 0.0783% | 6,043 |
| Net interest margin | 3.8166% | 2,320 |
| Noninterest income to average assets | 0.3244% | 4,575 |
| Noninterest expense to average assets | 2.4238% | 4,456 |
| Loan and lease loss provision to assets | 0.1328% | 1,798 |
| Net operating income to assets | 1.1501% | 1,731 |
| Return on assets (ROA) | 1.1544% | 1,786 |
| Pretax return on assets | 1.3817% | 1,973 |
| Return on Equity (ROE) | 13.7419% | 901 |
| Retained earnings to average equity (ytd only) | 11.6138% | 280 |
| Net charge-offs to loans | -0.0139% | 5,186 |
| Credit loss provision to net charge-offs | -1,733.3333% | 5,627 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6234% | 4,671 |
| Assets per employee ($millions) | 3.9903% | 3,955 |
| Cash dividends to net income (ytd only)* | 15.4867% | 3,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9106% | 5,050 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 55.0836% | 4,378 |
| Net loans and leases to deposits | 62.7050% | 4,579 |
| Net loans and leases to core deposits | 65.5532% | 4,625 |
| Total domestic deposits to total assets | 87.8455% | 1,726 |
| Equity capital to assets | 8.7111% | 5,381 |
| Core capital (leverage) ratio | 8.3548% | 5,565 |
| Tier 1 risk-based capital ratio | 13.0363% | 4,282 |
| Total risk-based capital ratio | 13.8321% | 4,475 |
| Memoranda: | ||
| Average total assets | $39,153,600 | 5,778 |
| Average earning assets | $37,022,600 | 5,746 |
| Average equity | $3,289,200 | 5,958 |
| Average total loans | $21,543,800 | 5,661 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8816% | 3,807 |
| Cost of funding earning assets | 0.0724% | 6,142 |
| Net interest margin | 3.8092% | 2,347 |
| Noninterest income to average assets | 0.3285% | 4,585 |
| Noninterest expense to average assets | 2.4191% | 4,457 |
| Loan and lease loss provision to assets | 0.1198% | 1,903 |
| Net operating income to assets | 1.1508% | 1,825 |
| Return on assets (ROA) | 1.1565% | 1,880 |
| Pretax return on assets | 1.3961% | 2,030 |
| Return on Equity (ROE) | 13.8985% | 929 |
| Retained earnings to average equity (ytd only) | 12.6649% | 306 |
| Net charge-offs to loans | -0.0062% | 4,865 |
| Credit loss provision to net charge-offs | -3,500.0000% | 5,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5854% | 4,631 |
| Assets per employee ($millions) | 4.2981% | 3,321 |
| Cash dividends to net income (ytd only)* | 8.8759% | 3,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8133% | 5,484 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 57.6972% | 4,177 |
| Net loans and leases to deposits | 64.9223% | 4,476 |
| Net loans and leases to core deposits | 70.9553% | 4,284 |
| Total domestic deposits to total assets | 88.8711% | 1,089 |
| Equity capital to assets | 8.7765% | 5,508 |
| Core capital (leverage) ratio | 8.3376% | 5,686 |
| Tier 1 risk-based capital ratio | 14.2260% | 3,714 |
| Total risk-based capital ratio | 15.0308% | 3,916 |
| Memoranda: | ||
| Average total assets | $38,966,250 | 5,864 |
| Average earning assets | $36,822,250 | 5,828 |
| Average equity | $3,242,500 | 6,042 |
| Average total loans | $21,384,250 | 5,733 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8375% | 3,930 |
| Cost of funding earning assets | 0.0705% | 6,225 |
| Net interest margin | 3.7671% | 2,449 |
| Noninterest income to average assets | 0.3328% | 4,576 |
| Noninterest expense to average assets | 2.4270% | 4,470 |
| Loan and lease loss provision to assets | 0.0922% | 2,277 |
| Net operating income to assets | 1.1461% | 1,793 |
| Return on assets (ROA) | 1.1418% | 1,877 |
| Pretax return on assets | 1.3671% | 2,121 |
| Return on Equity (ROE) | 13.9739% | 909 |
| Retained earnings to average equity (ytd only) | 13.3472% | 277 |
| Net charge-offs to loans | -0.0190% | 5,158 |
| Credit loss provision to net charge-offs | -900.0000% | 5,338 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3684% | 4,623 |
| Assets per employee ($millions) | 4.2692% | 3,359 |
| Cash dividends to net income (ytd only)* | 4.4843% | 3,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7567% | 5,702 |
| Loan loss allowance to noncurrent loans | 759.0909% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.0573% | 5,631 |
| Noncurrent loans to loans | 0.0997% | 5,343 |
| Net loans and leases to total assets | 57.0023% | 4,223 |
| Net loans and leases to deposits | 65.3401% | 4,398 |
| Net loans and leases to core deposits | 73.5016% | 3,998 |
| Total domestic deposits to total assets | 87.2394% | 2,043 |
| Equity capital to assets | 8.4663% | 5,712 |
| Core capital (leverage) ratio | 8.0254% | 5,916 |
| Tier 1 risk-based capital ratio | 12.7965% | 4,624 |
| Total risk-based capital ratio | 13.4771% | 4,883 |
| Memoranda: | ||
| Average total assets | $39,060,670 | 5,920 |
| Average earning assets | $36,898,670 | 5,887 |
| Average equity | $3,191,670 | 6,110 |
| Average total loans | $21,011,670 | 5,810 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6912% | 4,397 |
| Cost of funding earning assets | 0.0538% | 6,337 |
| Net interest margin | 3.6374% | 2,868 |
| Noninterest income to average assets | 0.3250% | 4,584 |
| Noninterest expense to average assets | 2.4175% | 4,546 |
| Loan and lease loss provision to assets | 0.0813% | 2,345 |
| Net operating income to assets | 1.0665% | 1,979 |
| Return on assets (ROA) | 1.0665% | 2,103 |
| Pretax return on assets | 1.2595% | 2,428 |
| Return on Equity (ROE) | 13.2869% | 1,027 |
| Retained earnings to average equity (ytd only) | 13.2869% | 419 |
| Net charge-offs to loans | -0.0586% | 5,605 |
| Credit loss provision to net charge-offs | -266.6667% | 4,676 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3243% | 4,429 |
| Assets per employee ($millions) | 4.4486% | 3,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7582% | 5,794 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 51.6522% | 4,689 |
| Net loans and leases to deposits | 56.7368% | 5,004 |
| Net loans and leases to core deposits | 62.2367% | 4,824 |
| Total domestic deposits to total assets | 91.0383% | 352 |
| Equity capital to assets | 8.0001% | 6,031 |
| Core capital (leverage) ratio | 7.6655% | 6,084 |
| Tier 1 risk-based capital ratio | 12.7379% | 4,763 |
| Total risk-based capital ratio | 13.4017% | 5,055 |
| Memoranda: | ||
| Average total assets | $39,379,500 | 5,972 |
| Average earning assets | $37,169,000 | 5,937 |
| Average equity | $3,161,000 | 6,178 |
| Average total loans | $20,483,000 | 5,877 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8756% | 4,219 |
| Cost of funding earning assets | 0.0645% | 6,411 |
| Net interest margin | 3.8110% | 2,587 |
| Noninterest income to average assets | 0.3385% | 4,686 |
| Noninterest expense to average assets | 2.7241% | 3,773 |
| Loan and lease loss provision to assets | 0.0330% | 3,935 |
| Net operating income to assets | 0.9961% | 2,399 |
| Return on assets (ROA) | 0.9961% | 2,479 |
| Pretax return on assets | 1.1557% | 2,850 |
| Return on Equity (ROE) | 10.5361% | 1,888 |
| Retained earnings to average equity (ytd only) | -9.1973% | 6,291 |
| Net charge-offs to loans | 0.0365% | 4,106 |
| Credit loss provision to net charge-offs | 171.4286% | 1,414 |
| Earnings coverage of net charge-offs (x) | 61.7143% | 775 |
| Efficiency ratio | 69.6203% | 3,601 |
| Assets per employee ($millions) | 3.5202% | 4,872 |
| Cash dividends to net income (ytd only)* | 187.2928% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7303% | 5,922 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 51.6012% | 4,824 |
| Net loans and leases to deposits | 57.8472% | 5,074 |
| Net loans and leases to core deposits | 62.6442% | 4,949 |
| Total domestic deposits to total assets | 89.2025% | 1,121 |
| Equity capital to assets | 8.0549% | 6,038 |
| Core capital (leverage) ratio | 7.4545% | 6,219 |
| Tier 1 risk-based capital ratio | 12.5719% | 4,991 |
| Total risk-based capital ratio | 13.2033% | 5,295 |
| Memoranda: | ||
| Average total assets | $36,341,800 | 6,123 |
| Average earning assets | $34,085,400 | 6,086 |
| Average equity | $3,435,800 | 6,192 |
| Average total loans | $19,163,400 | 5,995 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8798% | 4,241 |
| Cost of funding earning assets | 0.0677% | 6,485 |
| Net interest margin | 3.8122% | 2,567 |
| Noninterest income to average assets | 0.3282% | 4,811 |
| Noninterest expense to average assets | 2.6296% | 4,094 |
| Loan and lease loss provision to assets | 0.0336% | 3,734 |
| Net operating income to assets | 1.0443% | 2,260 |
| Return on assets (ROA) | 1.0443% | 2,321 |
| Pretax return on assets | 1.2383% | 2,621 |
| Return on Equity (ROE) | 10.6208% | 1,938 |
| Retained earnings to average equity (ytd only) | 10.6208% | 569 |
| Net charge-offs to loans | 0.0211% | 4,100 |
| Credit loss provision to net charge-offs | 300.0000% | 905 |
| Earnings coverage of net charge-offs (x) | 113.6650% | 521 |
| Efficiency ratio | 67.3996% | 3,961 |
| Assets per employee ($millions) | 3.7641% | 4,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7651% | 5,957 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 51.0002% | 4,892 |
| Net loans and leases to deposits | 57.6279% | 5,125 |
| Net loans and leases to core deposits | 62.5982% | 4,996 |
| Total domestic deposits to total assets | 88.4992% | 1,498 |
| Equity capital to assets | 9.7925% | 4,431 |
| Core capital (leverage) ratio | 9.4916% | 4,393 |
| Tier 1 risk-based capital ratio | 15.8216% | 3,147 |
| Total risk-based capital ratio | 16.4863% | 3,397 |
| Memoranda: | ||
| Average total assets | $35,746,750 | 6,210 |
| Average earning assets | $33,506,000 | 6,176 |
| Average equity | $3,515,000 | 6,247 |
| Average total loans | $18,922,250 | 6,067 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8836% | 4,205 |
| Cost of funding earning assets | 0.0669% | 6,555 |
| Net interest margin | 3.8168% | 2,502 |
| Noninterest income to average assets | 0.3246% | 4,815 |
| Noninterest expense to average assets | 2.6769% | 3,950 |
| Loan and lease loss provision to assets | 0.0342% | 3,605 |
| Net operating income to assets | 1.0138% | 2,274 |
| Return on assets (ROA) | 1.0138% | 2,340 |
| Pretax return on assets | 1.1904% | 2,700 |
| Return on Equity (ROE) | 10.2950% | 2,016 |
| Retained earnings to average equity (ytd only) | 10.2950% | 657 |
| Net charge-offs to loans | 0.0213% | 3,783 |
| Credit loss provision to net charge-offs | 300.0000% | 849 |
| Earnings coverage of net charge-offs (x) | 107.5000% | 530 |
| Efficiency ratio | 68.6131% | 3,893 |
| Assets per employee ($millions) | 3.6610% | 4,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7516% | 6,084 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 52.6605% | 4,678 |
| Net loans and leases to deposits | 59.0692% | 4,944 |
| Net loans and leases to core deposits | 65.2574% | 4,710 |
| Total domestic deposits to total assets | 89.1505% | 1,278 |
| Equity capital to assets | 9.7159% | 4,465 |
| Core capital (leverage) ratio | 9.7115% | 4,020 |
| Tier 1 risk-based capital ratio | 15.2325% | 3,503 |
| Total risk-based capital ratio | 15.8828% | 3,798 |
| Memoranda: | ||
| Average total assets | $35,115,330 | 6,288 |
| Average earning assets | $32,907,330 | 6,251 |
| Average equity | $3,458,000 | 6,301 |
| Average total loans | $18,781,330 | 6,127 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9421% | 3,921 |
| Cost of funding earning assets | 0.0622% | 6,643 |
| Net interest margin | 3.8799% | 2,157 |
| Noninterest income to average assets | 0.3259% | 4,761 |
| Noninterest expense to average assets | 2.7467% | 3,770 |
| Loan and lease loss provision to assets | 0.0349% | 3,357 |
| Net operating income to assets | 1.0009% | 2,206 |
| Return on assets (ROA) | 1.0009% | 2,264 |
| Pretax return on assets | 1.1755% | 2,584 |
| Return on Equity (ROE) | 10.0924% | 2,002 |
| Retained earnings to average equity (ytd only) | 10.0924% | 937 |
| Net charge-offs to loans | -0.0217% | 5,393 |
| Credit loss provision to net charge-offs | -300.0000% | 5,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4118% | 3,930 |
| Assets per employee ($millions) | 3.4845% | 4,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7802% | 6,144 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 53.2874% | 4,512 |
| Net loans and leases to deposits | 60.5136% | 4,711 |
| Net loans and leases to core deposits | 67.9151% | 4,324 |
| Total domestic deposits to total assets | 88.0585% | 2,206 |
| Equity capital to assets | 9.9354% | 3,922 |
| Core capital (leverage) ratio | 9.6497% | 4,063 |
| Tier 1 risk-based capital ratio | 15.4964% | 3,434 |
| Total risk-based capital ratio | 16.1762% | 3,707 |
| Memoranda: | ||
| Average total assets | $34,368,000 | 6,366 |
| Average earning assets | $32,165,500 | 6,335 |
| Average equity | $3,408,500 | 6,362 |
| Average total loans | $18,459,500 | 6,200 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0091% | 4,061 |
| Cost of funding earning assets | 0.0974% | 6,678 |
| Net interest margin | 3.9117% | 2,250 |
| Noninterest income to average assets | 0.3519% | 4,798 |
| Noninterest expense to average assets | 2.8365% | 3,588 |
| Loan and lease loss provision to assets | 0.0364% | 4,393 |
| Net operating income to assets | 0.8980% | 2,799 |
| Return on assets (ROA) | 0.8980% | 2,886 |
| Pretax return on assets | 1.1346% | 2,830 |
| Return on Equity (ROE) | 9.0586% | 2,504 |
| Retained earnings to average equity (ytd only) | 8.5690% | 888 |
| Net charge-offs to loans | 0.0697% | 4,233 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 32.1667% | 1,115 |
| Efficiency ratio | 70.7797% | 3,705 |
| Assets per employee ($millions) | 3.3891% | 5,116 |
| Cash dividends to net income (ytd only)* | 5.4054% | 4,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7800% | 6,215 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 53.2973% | 4,680 |
| Net loans and leases to deposits | 59.4354% | 4,985 |
| Net loans and leases to core deposits | 64.9818% | 4,776 |
| Total domestic deposits to total assets | 89.6728% | 1,237 |
| Equity capital to assets | 9.8994% | 3,902 |
| Core capital (leverage) ratio | 9.5657% | 4,160 |
| Tier 1 risk-based capital ratio | 15.3033% | 3,477 |
| Total risk-based capital ratio | 15.9736% | 3,765 |
| Memoranda: | ||
| Average total assets | $32,963,400 | 6,463 |
| Average earning assets | $30,804,800 | 6,432 |
| Average equity | $3,267,600 | 6,479 |
| Average total loans | $17,213,800 | 6,313 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9845% | 4,193 |
| Cost of funding earning assets | 0.1046% | 6,756 |
| Net interest margin | 3.8799% | 2,343 |
| Noninterest income to average assets | 0.3503% | 4,885 |
| Noninterest expense to average assets | 2.8392% | 3,529 |
| Loan and lease loss provision to assets | 0.0367% | 4,281 |
| Net operating income to assets | 0.9532% | 2,575 |
| Return on assets (ROA) | 0.9532% | 2,679 |
| Pretax return on assets | 1.0998% | 3,109 |
| Return on Equity (ROE) | 9.6123% | 2,349 |
| Retained earnings to average equity (ytd only) | 9.4071% | 932 |
| Net charge-offs to loans | 0.0865% | 3,715 |
| Credit loss provision to net charge-offs | 81.8182% | 2,796 |
| Earnings coverage of net charge-offs (x) | 25.3572% | 1,387 |
| Efficiency ratio | 71.4139% | 3,530 |
| Assets per employee ($millions) | 3.3609% | 5,158 |
| Cash dividends to net income (ytd only)* | 2.1379% | 3,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7922% | 6,299 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 52.1646% | 4,859 |
| Net loans and leases to deposits | 57.9992% | 5,192 |
| Net loans and leases to core deposits | 64.6103% | 4,832 |
| Total domestic deposits to total assets | 89.9402% | 1,035 |
| Equity capital to assets | 9.7385% | 4,253 |
| Core capital (leverage) ratio | 9.4982% | 4,410 |
| Tier 1 risk-based capital ratio | 15.5416% | 3,451 |
| Total risk-based capital ratio | 16.2235% | 3,717 |
| Memoranda: | ||
| Average total assets | $32,731,500 | 6,537 |
| Average earning assets | $30,584,500 | 6,501 |
| Average equity | $3,245,750 | 6,558 |
| Average total loans | $16,966,000 | 6,390 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9845% | 4,169 |
| Cost of funding earning assets | 0.1121% | 6,797 |
| Net interest margin | 3.8723% | 2,304 |
| Noninterest income to average assets | 0.3514% | 4,879 |
| Noninterest expense to average assets | 2.8238% | 3,594 |
| Loan and lease loss provision to assets | 0.0370% | 4,213 |
| Net operating income to assets | 0.9618% | 2,503 |
| Return on assets (ROA) | 0.9618% | 2,652 |
| Pretax return on assets | 1.1098% | 3,058 |
| Return on Equity (ROE) | 9.6395% | 2,349 |
| Retained earnings to average equity (ytd only) | 9.3306% | 1,017 |
| Net charge-offs to loans | 0.1195% | 3,170 |
| Credit loss provision to net charge-offs | 60.0000% | 3,017 |
| Earnings coverage of net charge-offs (x) | 18.6000% | 1,549 |
| Efficiency ratio | 71.1180% | 3,624 |
| Assets per employee ($millions) | 2.9941% | 5,859 |
| Cash dividends to net income (ytd only)* | 3.2051% | 3,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8261% | 6,303 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 50.2991% | 5,077 |
| Net loans and leases to deposits | 56.0951% | 5,333 |
| Net loans and leases to core deposits | 63.2435% | 4,973 |
| Total domestic deposits to total assets | 89.6675% | 1,224 |
| Equity capital to assets | 9.9135% | 4,029 |
| Core capital (leverage) ratio | 9.4618% | 4,302 |
| Tier 1 risk-based capital ratio | 15.3937% | 3,532 |
| Total risk-based capital ratio | 16.0764% | 3,859 |
| Memoranda: | ||
| Average total assets | $32,439,000 | 6,593 |
| Average earning assets | $30,317,670 | 6,552 |
| Average equity | $3,236,670 | 6,613 |
| Average total loans | $16,730,670 | 6,439 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9572% | 4,273 |
| Cost of funding earning assets | 0.1191% | 6,864 |
| Net interest margin | 3.8381% | 2,326 |
| Noninterest income to average assets | 0.3355% | 5,014 |
| Noninterest expense to average assets | 2.7585% | 3,838 |
| Loan and lease loss provision to assets | 0.0373% | 3,967 |
| Net operating income to assets | 0.9319% | 2,511 |
| Return on assets (ROA) | 0.9319% | 2,653 |
| Pretax return on assets | 1.1432% | 2,800 |
| Return on Equity (ROE) | 9.3095% | 2,348 |
| Retained earnings to average equity (ytd only) | 9.3095% | 1,283 |
| Net charge-offs to loans | 0.1194% | 2,710 |
| Credit loss provision to net charge-offs | 60.0000% | 2,443 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,240 |
| Efficiency ratio | 70.0315% | 3,965 |
| Assets per employee ($millions) | 2.9893% | 6,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8425% | 6,384 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 50.1095% | 4,979 |
| Net loans and leases to deposits | 55.9282% | 5,252 |
| Net loans and leases to core deposits | 58.5891% | 5,283 |
| Total domestic deposits to total assets | 89.5961% | 1,300 |
| Equity capital to assets | 9.8382% | 4,373 |
| Core capital (leverage) ratio | 9.3532% | 4,319 |
| Tier 1 risk-based capital ratio | 14.9975% | 3,835 |
| Total risk-based capital ratio | 15.6889% | 4,185 |
| Memoranda: | ||
| Average total assets | $32,191,000 | 6,661 |
| Average earning assets | $30,223,500 | 6,616 |
| Average equity | $3,222,500 | 6,674 |
| Average total loans | $16,744,000 | 6,498 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2539% | 4,390 |
| Cost of funding earning assets | 0.1496% | 6,917 |
| Net interest margin | 4.1042% | 1,983 |
| Noninterest income to average assets | 0.3328% | 5,072 |
| Noninterest expense to average assets | 2.9761% | 3,360 |
| Loan and lease loss provision to assets | 0.0388% | 5,386 |
| Net operating income to assets | 0.9662% | 2,475 |
| Return on assets (ROA) | 0.9662% | 2,715 |
| Pretax return on assets | 1.2182% | 2,732 |
| Return on Equity (ROE) | 9.8863% | 2,221 |
| Retained earnings to average equity (ytd only) | 9.4234% | 714 |
| Net charge-offs to loans | 0.0176% | 5,670 |
| Credit loss provision to net charge-offs | 400.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 129.6667% | 311 |
| Efficiency ratio | 70.3053% | 3,752 |
| Assets per employee ($millions) | 3.1500% | 5,737 |
| Cash dividends to net income (ytd only)* | 4.6823% | 4,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8417% | 6,407 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 53.1079% | 4,740 |
| Net loans and leases to deposits | 59.6144% | 5,064 |
| Net loans and leases to core deposits | 61.4472% | 5,213 |
| Total domestic deposits to total assets | 89.0857% | 1,505 |
| Equity capital to assets | 10.1905% | 3,901 |
| Core capital (leverage) ratio | 9.4343% | 4,206 |
| Tier 1 risk-based capital ratio | 15.1385% | 3,646 |
| Total risk-based capital ratio | 15.8643% | 3,911 |
| Memoranda: | ||
| Average total assets | $30,946,400 | 6,736 |
| Average earning assets | $29,408,600 | 6,679 |
| Average equity | $3,024,400 | 6,776 |
| Average total loans | $17,060,600 | 6,550 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2874% | 4,497 |
| Cost of funding earning assets | 0.1546% | 7,028 |
| Net interest margin | 4.1328% | 1,961 |
| Noninterest income to average assets | 0.3246% | 5,187 |
| Noninterest expense to average assets | 2.9472% | 3,420 |
| Loan and lease loss provision to assets | 0.0390% | 5,287 |
| Net operating income to assets | 0.9564% | 2,716 |
| Return on assets (ROA) | 0.9564% | 2,936 |
| Pretax return on assets | 1.2724% | 2,701 |
| Return on Equity (ROE) | 9.8946% | 2,399 |
| Retained earnings to average equity (ytd only) | 9.7602% | 979 |
| Net charge-offs to loans | 0.0234% | 5,339 |
| Credit loss provision to net charge-offs | 300.0000% | 895 |
| Earnings coverage of net charge-offs (x) | 100.9975% | 421 |
| Efficiency ratio | 69.2073% | 3,838 |
| Assets per employee ($millions) | 3.0736% | 5,917 |
| Cash dividends to net income (ytd only)* | 1.3575% | 3,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8272% | 6,544 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 54.2166% | 4,722 |
| Net loans and leases to deposits | 60.8642% | 5,102 |
| Net loans and leases to core deposits | 62.7835% | 5,282 |
| Total domestic deposits to total assets | 89.0780% | 1,384 |
| Equity capital to assets | 10.1445% | 4,286 |
| Core capital (leverage) ratio | 9.2306% | 4,703 |
| Tier 1 risk-based capital ratio | 14.9581% | 3,872 |
| Total risk-based capital ratio | 15.6763% | 4,204 |
| Memoranda: | ||
| Average total assets | $30,808,000 | 6,821 |
| Average earning assets | $29,325,750 | 6,768 |
| Average equity | $2,978,000 | 6,877 |
| Average total loans | $17,108,000 | 6,633 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3072% | 4,541 |
| Cost of funding earning assets | 0.1567% | 7,102 |
| Net interest margin | 4.1504% | 1,904 |
| Noninterest income to average assets | 0.3308% | 5,184 |
| Noninterest expense to average assets | 2.9774% | 3,346 |
| Loan and lease loss provision to assets | 0.0389% | 5,189 |
| Net operating income to assets | 0.9471% | 2,672 |
| Return on assets (ROA) | 0.9471% | 2,930 |
| Pretax return on assets | 1.2649% | 2,669 |
| Return on Equity (ROE) | 9.9613% | 2,368 |
| Retained earnings to average equity (ytd only) | 9.7567% | 1,046 |
| Net charge-offs to loans | 0.0232% | 5,073 |
| Credit loss provision to net charge-offs | 300.0000% | 969 |
| Earnings coverage of net charge-offs (x) | 100.5000% | 427 |
| Efficiency ratio | 69.5455% | 3,840 |
| Assets per employee ($millions) | 3.0949% | 5,863 |
| Cash dividends to net income (ytd only)* | 2.0548% | 3,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8034% | 6,662 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 54.6544% | 4,680 |
| Net loans and leases to deposits | 60.9769% | 5,137 |
| Net loans and leases to core deposits | 62.8717% | 5,313 |
| Total domestic deposits to total assets | 89.6313% | 1,143 |
| Equity capital to assets | 9.7063% | 4,752 |
| Core capital (leverage) ratio | 9.0113% | 4,898 |
| Tier 1 risk-based capital ratio | 14.4025% | 4,178 |
| Total risk-based capital ratio | 15.1021% | 4,532 |
| Memoranda: | ||
| Average total assets | $30,832,000 | 6,871 |
| Average earning assets | $29,346,330 | 6,818 |
| Average equity | $2,931,330 | 6,926 |
| Average total loans | $17,209,670 | 6,685 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3050% | 4,715 |
| Cost of funding earning assets | 0.1635% | 7,162 |
| Net interest margin | 4.1415% | 1,963 |
| Noninterest income to average assets | 0.3250% | 5,269 |
| Noninterest expense to average assets | 2.9766% | 3,347 |
| Loan and lease loss provision to assets | 0.0390% | 4,901 |
| Net operating income to assets | 0.9489% | 2,698 |
| Return on assets (ROA) | 0.9489% | 2,909 |
| Pretax return on assets | 1.2608% | 2,691 |
| Return on Equity (ROE) | 10.0864% | 2,379 |
| Retained earnings to average equity (ytd only) | 10.0864% | 1,252 |
| Net charge-offs to loans | 0.0231% | 4,361 |
| Credit loss provision to net charge-offs | 300.0000% | 978 |
| Earnings coverage of net charge-offs (x) | 100.0000% | 343 |
| Efficiency ratio | 69.6049% | 3,880 |
| Assets per employee ($millions) | 3.1397% | 5,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7909% | 6,758 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 53.9351% | 4,734 |
| Net loans and leases to deposits | 59.8840% | 5,166 |
| Net loans and leases to core deposits | 61.7083% | 5,357 |
| Total domestic deposits to total assets | 90.0659% | 1,051 |
| Equity capital to assets | 9.2780% | 5,124 |
| Core capital (leverage) ratio | 9.0019% | 4,841 |
| Tier 1 risk-based capital ratio | 14.0903% | 4,407 |
| Total risk-based capital ratio | 14.7820% | 4,793 |
| Memoranda: | ||
| Average total assets | $30,773,500 | 6,926 |
| Average earning assets | $29,361,500 | 6,869 |
| Average equity | $2,895,000 | 6,983 |
| Average total loans | $17,288,500 | 6,739 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6931% | 4,275 |
| Cost of funding earning assets | 0.2495% | 7,178 |
| Net interest margin | 4.4436% | 1,278 |
| Noninterest income to average assets | 0.3562% | 4,960 |
| Noninterest expense to average assets | 2.9783% | 3,674 |
| Loan and lease loss provision to assets | 0.1085% | 5,240 |
| Net operating income to assets | 1.1108% | 1,792 |
| Return on assets (ROA) | 1.1160% | 1,895 |
| Pretax return on assets | 1.4451% | 1,640 |
| Return on Equity (ROE) | 12.5410% | 1,271 |
| Retained earnings to average equity (ytd only) | 12.1217% | 295 |
| Net charge-offs to loans | 0.0595% | 5,710 |
| Credit loss provision to net charge-offs | 320.0000% | 727 |
| Earnings coverage of net charge-offs (x) | 45.6000% | 604 |
| Efficiency ratio | 65.8171% | 4,808 |
| Assets per employee ($millions) | 3.3500% | 5,377 |
| Cash dividends to net income (ytd only)* | 3.3435% | 4,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7597% | 6,823 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 57.6285% | 4,440 |
| Net loans and leases to deposits | 64.1641% | 4,987 |
| Net loans and leases to core deposits | 66.2056% | 5,231 |
| Total domestic deposits to total assets | 89.8143% | 1,088 |
| Equity capital to assets | 9.5423% | 4,812 |
| Core capital (leverage) ratio | 8.6099% | 5,376 |
| Tier 1 risk-based capital ratio | 13.8733% | 4,422 |
| Total risk-based capital ratio | 14.5626% | 4,809 |
| Memoranda: | ||
| Average total assets | $29,479,600 | 6,982 |
| Average earning assets | $27,657,600 | 6,934 |
| Average equity | $2,623,400 | 7,089 |
| Average total loans | $16,809,000 | 6,810 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7242% | 4,339 |
| Cost of funding earning assets | 0.2825% | 7,235 |
| Net interest margin | 4.4417% | 1,292 |
| Noninterest income to average assets | 0.3593% | 4,993 |
| Noninterest expense to average assets | 2.8202% | 4,270 |
| Loan and lease loss provision to assets | 0.1319% | 4,778 |
| Net operating income to assets | 1.1486% | 1,817 |
| Return on assets (ROA) | 1.1554% | 1,913 |
| Pretax return on assets | 1.5648% | 1,474 |
| Return on Equity (ROE) | 13.2289% | 1,222 |
| Retained earnings to average equity (ytd only) | 13.2289% | 356 |
| Net charge-offs to loans | 0.0721% | 5,237 |
| Credit loss provision to net charge-offs | 322.2222% | 867 |
| Earnings coverage of net charge-offs (x) | 41.2208% | 756 |
| Efficiency ratio | 62.5631% | 5,318 |
| Assets per employee ($millions) | 3.3111% | 5,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7440% | 6,905 |
| 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 | 58.6443% | 4,387 |
| Net loans and leases to deposits | 65.3235% | 5,008 |
| Net loans and leases to core deposits | 67.4306% | 5,251 |
| Total domestic deposits to total assets | 89.7752% | 995 |
| Equity capital to assets | 9.4094% | 5,230 |
| Core capital (leverage) ratio | 8.1743% | 6,161 |
| Tier 1 risk-based capital ratio | 13.5656% | 4,692 |
| Total risk-based capital ratio | 14.2457% | 5,069 |
| Memoranda: | ||
| Average total assets | $29,312,000 | 7,058 |
| Average earning assets | $27,376,000 | 7,008 |
| Average equity | $2,560,000 | 7,176 |
| Average total loans | $16,634,250 | 6,886 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6718% | 4,650 |
| Cost of funding earning assets | 0.2957% | 7,315 |
| Net interest margin | 4.3761% | 1,446 |
| Noninterest income to average assets | 0.3431% | 5,134 |
| Noninterest expense to average assets | 2.8474% | 4,241 |
| Loan and lease loss provision to assets | 0.0412% | 5,797 |
| Net operating income to assets | 1.1527% | 1,711 |
| Return on assets (ROA) | 1.1527% | 1,791 |
| Pretax return on assets | 1.5163% | 1,489 |
| Return on Equity (ROE) | 13.5557% | 1,074 |
| Retained earnings to average equity (ytd only) | 13.5557% | 349 |
| Net charge-offs to loans | 0.0123% | 5,678 |
| Credit loss provision to net charge-offs | 600.0000% | 513 |
| Earnings coverage of net charge-offs (x) | 227.0000% | 160 |
| Efficiency ratio | 64.6417% | 5,120 |
| Assets per employee ($millions) | 3.3533% | 5,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6597% | 7,073 |
| Loan loss allowance to noncurrent loans | 11,600.0000% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0033% | 7,127 |
| Noncurrent loans to loans | 0.0057% | 7,001 |
| Net loans and leases to total assets | 57.8827% | 4,653 |
| Net loans and leases to deposits | 63.6046% | 5,328 |
| Net loans and leases to core deposits | 71.0237% | 4,951 |
| Total domestic deposits to total assets | 91.0040% | 496 |
| Equity capital to assets | 8.6415% | 6,009 |
| Core capital (leverage) ratio | 8.4411% | 5,644 |
| Tier 1 risk-based capital ratio | 12.8458% | 5,044 |
| Total risk-based capital ratio | 13.4357% | 5,609 |
| Memoranda: | ||
| Average total assets | $29,149,330 | 7,128 |
| Average earning assets | $27,056,000 | 7,088 |
| Average equity | $2,478,670 | 7,249 |
| Average total loans | $16,310,000 | 6,964 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5684% | 5,089 |
| Cost of funding earning assets | 0.3135% | 7,366 |
| Net interest margin | 4.2549% | 1,725 |
| Noninterest income to average assets | 0.3353% | 5,225 |
| Noninterest expense to average assets | 2.8777% | 4,156 |
| Loan and lease loss provision to assets | 0.0419% | 5,462 |
| Net operating income to assets | 1.0198% | 2,111 |
| Return on assets (ROA) | 1.0198% | 2,162 |
| Pretax return on assets | 1.3969% | 1,732 |
| Return on Equity (ROE) | 12.0961% | 1,434 |
| Retained earnings to average equity (ytd only) | 12.0961% | 724 |
| Net charge-offs to loans | 0.0255% | 4,729 |
| Credit loss provision to net charge-offs | 300.0000% | 1,062 |
| Earnings coverage of net charge-offs (x) | 103.0000% | 311 |
| Efficiency ratio | 66.6667% | 4,911 |
| Assets per employee ($millions) | 3.2598% | 5,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7090% | 7,067 |
| 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 | 53.9403% | 5,310 |
| Net loans and leases to deposits | 59.1545% | 5,804 |
| Net loans and leases to core deposits | 66.2633% | 5,484 |
| Total domestic deposits to total assets | 91.1855% | 540 |
| Equity capital to assets | 8.4396% | 6,002 |
| Core capital (leverage) ratio | 8.5421% | 5,365 |
| Tier 1 risk-based capital ratio | 13.3205% | 4,558 |
| Total risk-based capital ratio | 13.9397% | 5,053 |
| Memoranda: | ||
| Average total assets | $28,634,000 | 7,194 |
| Average earning assets | $26,792,500 | 7,145 |
| Average equity | $2,414,000 | 7,316 |
| Average total loans | $15,672,500 | 7,050 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9077% | 4,995 |
| Cost of funding earning assets | 0.6211% | 7,080 |
| Net interest margin | 4.2866% | 1,873 |
| Noninterest income to average assets | 0.3468% | 5,321 |
| Noninterest expense to average assets | 2.9227% | 4,135 |
| Loan and lease loss provision to assets | 0.0434% | 6,731 |
| Net operating income to assets | 1.0640% | 1,827 |
| Return on assets (ROA) | 1.0802% | 1,854 |
| Pretax return on assets | 1.4415% | 1,535 |
| Return on Equity (ROE) | 12.8227% | 1,137 |
| Retained earnings to average equity (ytd only) | 8.3626% | 875 |
| Net charge-offs to loans | 0.0262% | 6,545 |
| Credit loss provision to net charge-offs | 300.0000% | 889 |
| Earnings coverage of net charge-offs (x) | 101.2500% | 246 |
| Efficiency ratio | 66.6392% | 4,833 |
| Assets per employee ($millions) | 3.1033% | 5,874 |
| Cash dividends to net income (ytd only)* | 34.7826% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7205% | 7,109 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 54.7655% | 5,530 |
| Net loans and leases to deposits | 61.1938% | 5,935 |
| Net loans and leases to core deposits | 69.1157% | 5,537 |
| Total domestic deposits to total assets | 89.4952% | 1,382 |
| Equity capital to assets | 8.4211% | 5,964 |
| Core capital (leverage) ratio | 8.1992% | 5,825 |
| Tier 1 risk-based capital ratio | 13.3002% | 4,374 |
| Total risk-based capital ratio | 13.9263% | 4,853 |
| Memoranda: | ||
| Average total assets | $27,679,800 | 7,269 |
| Average earning assets | $26,081,400 | 7,224 |
| Average equity | $2,331,800 | 7,446 |
| Average total loans | $15,294,400 | 7,152 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9809% | 4,904 |
| Cost of funding earning assets | 0.6911% | 7,087 |
| Net interest margin | 4.2898% | 1,877 |
| Noninterest income to average assets | 0.3524% | 5,351 |
| Noninterest expense to average assets | 2.8146% | 4,421 |
| Loan and lease loss provision to assets | 0.0435% | 6,657 |
| Net operating income to assets | 1.1324% | 1,790 |
| Return on assets (ROA) | 1.1538% | 1,821 |
| Pretax return on assets | 1.5690% | 1,422 |
| Return on Equity (ROE) | 13.6955% | 1,101 |
| Retained earnings to average equity (ytd only) | 8.3090% | 1,311 |
| Net charge-offs to loans | 0.0349% | 6,211 |
| Credit loss provision to net charge-offs | 225.0000% | 1,531 |
| Earnings coverage of net charge-offs (x) | 82.0488% | 373 |
| Efficiency ratio | 63.9956% | 5,237 |
| Assets per employee ($millions) | 3.5693% | 4,806 |
| Cash dividends to net income (ytd only)* | 39.3303% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7264% | 7,154 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 51.6880% | 6,138 |
| Net loans and leases to deposits | 56.8682% | 6,554 |
| Net loans and leases to core deposits | 66.5059% | 6,085 |
| Total domestic deposits to total assets | 90.8909% | 486 |
| Equity capital to assets | 8.5102% | 6,265 |
| Core capital (leverage) ratio | 8.1873% | 6,061 |
| Tier 1 risk-based capital ratio | 13.6463% | 4,084 |
| Total risk-based capital ratio | 14.2849% | 4,531 |
| Memoranda: | ||
| Average total assets | $27,617,250 | 7,368 |
| Average earning assets | $26,045,750 | 7,318 |
| Average equity | $2,326,750 | 7,543 |
| Average total loans | $15,266,250 | 7,244 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1376% | 4,259 |
| Cost of funding earning assets | 0.7617% | 7,029 |
| Net interest margin | 4.3759% | 1,520 |
| Noninterest income to average assets | 0.3443% | 5,392 |
| Noninterest expense to average assets | 2.8713% | 4,180 |
| Loan and lease loss provision to assets | 0.0439% | 6,533 |
| Net operating income to assets | 1.1325% | 1,746 |
| Return on assets (ROA) | 1.1646% | 1,719 |
| Pretax return on assets | 1.5968% | 1,316 |
| Return on Equity (ROE) | 13.8723% | 1,067 |
| Retained earnings to average equity (ytd only) | 10.5569% | 735 |
| Net charge-offs to loans | 0.0520% | 5,657 |
| Credit loss provision to net charge-offs | 150.0000% | 2,617 |
| Earnings coverage of net charge-offs (x) | 54.5000% | 554 |
| Efficiency ratio | 64.2623% | 5,283 |
| Assets per employee ($millions) | 3.4985% | 4,930 |
| Cash dividends to net income (ytd only)* | 23.8994% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6801% | 7,286 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 54.7913% | 5,871 |
| Net loans and leases to deposits | 60.1467% | 6,395 |
| Net loans and leases to core deposits | 71.4752% | 5,726 |
| Total domestic deposits to total assets | 91.0962% | 447 |
| Equity capital to assets | 8.4036% | 6,297 |
| Core capital (leverage) ratio | 8.0838% | 6,148 |
| Tier 1 risk-based capital ratio | 13.8508% | 3,838 |
| Total risk-based capital ratio | 14.4876% | 4,219 |
| Memoranda: | ||
| Average total assets | $27,305,000 | 7,434 |
| Average earning assets | $25,732,000 | 7,381 |
| Average equity | $2,292,330 | 7,610 |
| Average total loans | $15,399,330 | 7,293 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1161% | 4,457 |
| Cost of funding earning assets | 0.7871% | 7,127 |
| Net interest margin | 4.3290% | 1,600 |
| Noninterest income to average assets | 0.3709% | 5,181 |
| Noninterest expense to average assets | 2.9225% | 3,976 |
| Loan and lease loss provision to assets | 0.0445% | 6,229 |
| Net operating income to assets | 1.0829% | 1,886 |
| Return on assets (ROA) | 1.0829% | 1,966 |
| Pretax return on assets | 1.4835% | 1,560 |
| Return on Equity (ROE) | 12.9061% | 1,272 |
| Retained earnings to average equity (ytd only) | 12.9061% | 633 |
| Net charge-offs to loans | 0.0260% | 5,204 |
| Credit loss provision to net charge-offs | 300.0000% | 1,310 |
| Earnings coverage of net charge-offs (x) | 103.0000% | 312 |
| Efficiency ratio | 65.6667% | 5,193 |
| Assets per employee ($millions) | 3.0300% | 6,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6865% | 7,363 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 55.7059% | 5,791 |
| Net loans and leases to deposits | 61.2121% | 6,350 |
| Net loans and leases to core deposits | 76.8659% | 5,151 |
| Total domestic deposits to total assets | 91.0048% | 545 |
| Equity capital to assets | 8.4488% | 6,075 |
| Core capital (leverage) ratio | 8.3002% | 5,739 |
| Tier 1 risk-based capital ratio | 13.6405% | 3,901 |
| Total risk-based capital ratio | 14.2814% | 4,283 |
| Memoranda: | ||
| Average total assets | $26,963,500 | 7,531 |
| Average earning assets | $25,410,000 | 7,478 |
| Average equity | $2,262,500 | 7,702 |
| Average total loans | $15,379,000 | 7,384 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4084% | 4,661 |
| Cost of funding earning assets | 0.9243% | 7,353 |
| Net interest margin | 4.4842% | 1,208 |
| Noninterest income to average assets | 0.3873% | 5,317 |
| Noninterest expense to average assets | 3.1766% | 3,453 |
| Loan and lease loss provision to assets | 0.0494% | 7,068 |
| Net operating income to assets | 0.9888% | 1,876 |
| Return on assets (ROA) | 0.9888% | 1,926 |
| Pretax return on assets | 1.3390% | 1,587 |
| Return on Equity (ROE) | 11.3218% | 1,347 |
| Retained earnings to average equity (ytd only) | 6.7931% | 1,039 |
| Net charge-offs to loans | -0.0067% | 7,728 |
| Credit loss provision to net charge-offs | -1,200.0000% | 7,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5848% | 4,716 |
| Assets per employee ($millions) | 2.9619% | 6,320 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6661% | 7,445 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 57.6171% | 5,725 |
| Net loans and leases to deposits | 63.1460% | 6,351 |
| Net loans and leases to core deposits | 89.8765% | 5,143 |
| Total domestic deposits to total assets | 91.2443% | 457 |
| Equity capital to assets | 8.3318% | 6,149 |
| Core capital (leverage) ratio | 8.2482% | 5,727 |
| Tier 1 risk-based capital ratio | 14.6694% | 3,121 |
| Total risk-based capital ratio | 15.3679% | 3,388 |
| Memoranda: | ||
| Average total assets | $24,271,400 | 7,659 |
| Average earning assets | $22,612,800 | 7,630 |
| Average equity | $2,119,800 | 7,819 |
| Average total loans | $15,020,000 | 7,453 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4414% | 4,733 |
| Cost of funding earning assets | 0.9453% | 7,491 |
| Net interest margin | 4.4961% | 1,201 |
| Noninterest income to average assets | 0.3998% | 5,288 |
| Noninterest expense to average assets | 3.1763% | 3,377 |
| Loan and lease loss provision to assets | 0.0507% | 6,866 |
| Net operating income to assets | 0.9912% | 2,093 |
| Return on assets (ROA) | 0.9912% | 2,152 |
| Pretax return on assets | 1.3516% | 1,819 |
| Return on Equity (ROE) | 11.2036% | 1,566 |
| Retained earnings to average equity (ytd only) | 8.5939% | 946 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3727% | 4,718 |
| Assets per employee ($millions) | 2.9108% | 6,377 |
| Cash dividends to net income (ytd only)* | 23.2975% | 3,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6572% | 7,477 |
| Loan loss allowance to noncurrent loans | 9,900.0000% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 7,601 |
| Noncurrent loans to loans | 0.0066% | 7,514 |
| Net loans and leases to total assets | 57.1210% | 6,020 |
| Net loans and leases to deposits | 62.6843% | 6,612 |
| Net loans and leases to core deposits | 87.0101% | 5,756 |
| Total domestic deposits to total assets | 91.1249% | 374 |
| Equity capital to assets | 8.3406% | 6,455 |
| Core capital (leverage) ratio | 8.2063% | 6,000 |
| Tier 1 risk-based capital ratio | 13.4929% | 3,853 |
| Total risk-based capital ratio | 14.1130% | 4,226 |
| Memoranda: | ||
| Average total assets | $23,675,000 | 7,751 |
| Average earning assets | $22,003,500 | 7,720 |
| Average equity | $2,094,500 | 7,903 |
| Average total loans | $14,909,500 | 7,527 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4545% | 4,868 |
| Cost of funding earning assets | 0.9754% | 7,589 |
| Net interest margin | 4.4792% | 1,218 |
| Noninterest income to average assets | 0.3679% | 5,569 |
| Noninterest expense to average assets | 3.3546% | 2,772 |
| Loan and lease loss provision to assets | 0.0526% | 6,700 |
| Net operating income to assets | 0.8233% | 2,763 |
| Return on assets (ROA) | 0.8233% | 2,862 |
| Pretax return on assets | 1.1036% | 2,627 |
| Return on Equity (ROE) | 9.1071% | 2,322 |
| Retained earnings to average equity (ytd only) | 5.1348% | 2,436 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3689% | 3,978 |
| Assets per employee ($millions) | 2.8383% | 6,543 |
| Cash dividends to net income (ytd only)* | 43.6170% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6405% | 7,561 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 58.2971% | 5,923 |
| Net loans and leases to deposits | 63.7173% | 6,589 |
| Net loans and leases to core deposits | 86.9758% | 5,810 |
| Total domestic deposits to total assets | 91.4934% | 326 |
| Equity capital to assets | 8.0799% | 6,654 |
| Core capital (leverage) ratio | 8.5712% | 5,313 |
| Tier 1 risk-based capital ratio | 13.1098% | 4,063 |
| Total risk-based capital ratio | 13.7172% | 4,468 |
| Memoranda: | ||
| Average total assets | $22,834,330 | 7,855 |
| Average earning assets | $21,120,000 | 7,822 |
| Average equity | $2,064,330 | 7,992 |
| Average total loans | $14,858,330 | 7,601 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7070% | 3,768 |
| Cost of funding earning assets | 0.9749% | 7,711 |
| Net interest margin | 4.7322% | 717 |
| Noninterest income to average assets | 0.4097% | 5,138 |
| Noninterest expense to average assets | 3.4825% | 2,152 |
| Loan and lease loss provision to assets | 0.0559% | 6,264 |
| Net operating income to assets | 1.0243% | 2,215 |
| Return on assets (ROA) | 1.0243% | 2,356 |
| Pretax return on assets | 1.2105% | 2,593 |
| Return on Equity (ROE) | 10.6563% | 2,084 |
| Retained earnings to average equity (ytd only) | 10.6563% | 1,048 |
| Net charge-offs to loans | -0.0270% | 7,527 |
| Credit loss provision to net charge-offs | -300.0000% | 6,322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3333% | 3,940 |
| Assets per employee ($millions) | 2.4671% | 7,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6370% | 7,592 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1396% | 7,161 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 66.0377% | 4,575 |
| Net loans and leases to deposits | 73.3884% | 5,558 |
| Net loans and leases to core deposits | 93.7053% | 5,185 |
| Total domestic deposits to total assets | 89.9838% | 808 |
| Equity capital to assets | 9.4893% | 4,685 |
| Core capital (leverage) ratio | 9.6492% | 3,822 |
| Tier 1 risk-based capital ratio | 14.2065% | 3,472 |
| Total risk-based capital ratio | 14.8503% | 3,722 |
| Memoranda: | ||
| Average total assets | $21,479,000 | 7,940 |
| Average earning assets | $19,695,000 | 7,913 |
| Average equity | $2,064,500 | 8,043 |
| Average total loans | $14,793,500 | 7,646 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2319% | 4,344 |
| Cost of funding earning assets | 1.2157% | 7,927 |
| Net interest margin | 5.0162% | 490 |
| Noninterest income to average assets | 0.4478% | 5,055 |
| Noninterest expense to average assets | 3.7838% | 1,786 |
| Loan and lease loss provision to assets | 0.0604% | 6,653 |
| Net operating income to assets | 0.9324% | 2,866 |
| Return on assets (ROA) | 0.9711% | 2,565 |
| Pretax return on assets | 1.2629% | 2,435 |
| Return on Equity (ROE) | 9.7024% | 2,360 |
| Retained earnings to average equity (ytd only) | 5.4293% | 1,799 |
| Net charge-offs to loans | 0.0208% | 6,571 |
| Credit loss provision to net charge-offs | 400.0000% | 1,094 |
| Earnings coverage of net charge-offs (x) | 84.3333% | 498 |
| Efficiency ratio | 74.8259% | 3,433 |
| Assets per employee ($millions) | 2.0754% | 7,846 |
| Cash dividends to net income (ytd only)* | 44.0415% | 3,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6069% | 7,667 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1494% | 6,974 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 71.0225% | 3,779 |
| Net loans and leases to deposits | 79.0391% | 5,187 |
| Net loans and leases to core deposits | 98.0379% | 5,037 |
| Total domestic deposits to total assets | 89.8574% | 710 |
| Equity capital to assets | 9.7427% | 4,374 |
| Core capital (leverage) ratio | 9.5946% | 3,886 |
| Tier 1 risk-based capital ratio | 13.9578% | 3,565 |
| Total risk-based capital ratio | 14.5800% | 3,814 |
| Memoranda: | ||
| Average total assets | $19,874,400 | 8,020 |
| Average earning assets | $18,260,800 | 7,998 |
| Average equity | $1,989,200 | 8,120 |
| Average total loans | $14,420,800 | 7,684 |