Home > The Farmers and Merchants State Bank > Performance and Condition Ratios
The Farmers and Merchants State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5923% | 1,901 |
| Cost of funding earning assets | 1.1893% | 3,755 |
| Net interest margin | 4.4030% | 741 |
| Noninterest income to average assets | 0.6000% | 1,343 |
| Noninterest expense to average assets | 2.9494% | 1,226 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.7205% | 726 |
| Return on assets (ROA) | 1.7205% | 726 |
| Pretax return on assets | 1.7205% | 1,080 |
| Return on Equity (ROE) | 20.9700% | 368 |
| Retained earnings to average equity (ytd only) | 14.9813% | 425 |
| Net charge-offs to loans | -0.0276% | 4,172 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 63.1579% | 2,581 |
| Assets per employee ($millions) | 5.7152% | 3,161 |
| Cash dividends to net income (ytd only)* | 28.5714% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5733% | 856 |
| Loan loss allowance to noncurrent loans | 269.8795% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.2420% | 2,319 |
| Noncurrent loans to loans | 0.5829% | 1,686 |
| Net loans and leases to total assets | 40.8700% | 3,950 |
| Net loans and leases to deposits | 44.8635% | 4,023 |
| Net loans and leases to core deposits | 47.3302% | 4,038 |
| Total domestic deposits to total assets | 91.0900% | 493 |
| Equity capital to assets | 8.4804% | 3,332 |
| Core capital (leverage) ratio | 11.5683% | 1,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $34,177,000 | 4,321 |
| Average earning assets | $31,615,000 | 4,293 |
| Average equity | $2,803,500 | 4,365 |
| Average total loans | $14,505,000 | 4,261 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4274% | 2,283 |
| Cost of funding earning assets | 1.2951% | 3,678 |
| Net interest margin | 4.1323% | 1,013 |
| Noninterest income to average assets | 0.2000% | 3,704 |
| Noninterest expense to average assets | 2.8430% | 1,424 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.9182% | 2,327 |
| Return on assets (ROA) | 0.9182% | 2,326 |
| Pretax return on assets | 1.1949% | 2,000 |
| Return on Equity (ROE) | 11.7900% | 1,661 |
| Retained earnings to average equity (ytd only) | 10.2056% | 547 |
| Net charge-offs to loans | -0.3020% | 4,497 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 70.4082% | 1,934 |
| Assets per employee ($millions) | 5.6772% | 3,143 |
| Cash dividends to net income (ytd only)* | 13.4615% | 3,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5096% | 981 |
| Loan loss allowance to noncurrent loans | 247.7778% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.2642% | 2,191 |
| Noncurrent loans to loans | 0.6093% | 1,584 |
| Net loans and leases to total assets | 42.7100% | 3,937 |
| Net loans and leases to deposits | 46.5896% | 4,012 |
| Net loans and leases to core deposits | 49.7181% | 4,021 |
| Total domestic deposits to total assets | 91.6800% | 360 |
| Equity capital to assets | 7.9236% | 3,554 |
| Core capital (leverage) ratio | 11.3624% | 1,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3888% | 725 |
| Memoranda: | ||
| Average total assets | $33,978,000 | 4,344 |
| Average earning assets | $31,580,600 | 4,312 |
| Average equity | $2,645,600 | 4,393 |
| Average total loans | $13,909,400 | 4,288 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4325% | 2,214 |
| Cost of funding earning assets | 1.3018% | 3,663 |
| Net interest margin | 4.1307% | 981 |
| Noninterest income to average assets | 0.1700% | 3,870 |
| Noninterest expense to average assets | 2.6857% | 1,721 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.1073% | 1,735 |
| Return on assets (ROA) | 1.1073% | 1,745 |
| Pretax return on assets | 1.2997% | 1,770 |
| Return on Equity (ROE) | 14.2800% | 1,088 |
| Retained earnings to average equity (ytd only) | 12.1566% | 492 |
| Net charge-offs to loans | -0.3116% | 4,521 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 67.3892% | 2,328 |
| Assets per employee ($millions) | 5.5590% | 3,217 |
| Cash dividends to net income (ytd only)* | 14.8936% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5274% | 978 |
| Loan loss allowance to noncurrent loans | 221.8750% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.2878% | 2,060 |
| Noncurrent loans to loans | 0.6884% | 1,428 |
| Net loans and leases to total assets | 41.1700% | 3,993 |
| Net loans and leases to deposits | 45.4792% | 4,074 |
| Net loans and leases to core deposits | 48.6106% | 4,076 |
| Total domestic deposits to total assets | 90.5300% | 461 |
| Equity capital to assets | 9.0184% | 3,022 |
| Core capital (leverage) ratio | 11.4245% | 1,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $33,956,750 | 4,368 |
| Average earning assets | $31,341,500 | 4,343 |
| Average equity | $2,632,250 | 4,422 |
| Average total loans | $13,693,750 | 4,313 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3545% | 2,246 |
| Cost of funding earning assets | 1.2752% | 3,663 |
| Net interest margin | 4.0793% | 1,021 |
| Noninterest income to average assets | 0.1800% | 3,804 |
| Noninterest expense to average assets | 2.6700% | 1,761 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.9837% | 2,049 |
| Return on assets (ROA) | 0.9837% | 2,047 |
| Pretax return on assets | 1.2706% | 1,774 |
| Return on Equity (ROE) | 13.4000% | 1,285 |
| Retained earnings to average equity (ytd only) | 10.0519% | 865 |
| Net charge-offs to loans | -0.3968% | 4,548 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 67.7563% | 2,355 |
| Assets per employee ($millions) | 5.6590% | 3,089 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4695% | 1,164 |
| Loan loss allowance to noncurrent loans | 169.1057% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.3623% | 1,717 |
| Noncurrent loans to loans | 0.8690% | 1,085 |
| Net loans and leases to total assets | 41.0700% | 4,003 |
| Net loans and leases to deposits | 44.5516% | 4,089 |
| Net loans and leases to core deposits | 47.5032% | 4,102 |
| Total domestic deposits to total assets | 92.1900% | 243 |
| Equity capital to assets | 7.4395% | 3,761 |
| Core capital (leverage) ratio | 10.9055% | 2,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $34,157,667 | 4,389 |
| Average earning assets | $31,524,667 | 4,365 |
| Average equity | $2,507,000 | 4,438 |
| Average total loans | $13,610,000 | 4,335 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1428% | 2,520 |
| Cost of funding earning assets | 1.2602% | 3,623 |
| Net interest margin | 3.8826% | 1,241 |
| Noninterest income to average assets | 0.1900% | 3,706 |
| Noninterest expense to average assets | 2.6037% | 1,960 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.8640% | 2,348 |
| Return on assets (ROA) | 0.8640% | 2,360 |
| Pretax return on assets | 1.1442% | 2,022 |
| Return on Equity (ROE) | 11.8500% | 1,607 |
| Retained earnings to average equity (ytd only) | 5.1251% | 2,362 |
| Net charge-offs to loans | -0.0600% | 4,364 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 69.4704% | 2,209 |
| Assets per employee ($millions) | 5.7183% | 3,061 |
| Cash dividends to net income (ytd only)* | 56.7568% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4022% | 1,385 |
| Loan loss allowance to noncurrent loans | 397.8261% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.1341% | 2,742 |
| Noncurrent loans to loans | 0.3525% | 2,072 |
| Net loans and leases to total assets | 37.5100% | 4,101 |
| Net loans and leases to deposits | 40.5470% | 4,169 |
| Net loans and leases to core deposits | 43.2392% | 4,221 |
| Total domestic deposits to total assets | 92.5000% | 248 |
| Equity capital to assets | 7.1670% | 3,829 |
| Core capital (leverage) ratio | 10.5502% | 2,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $34,259,500 | 4,419 |
| Average earning assets | $31,422,500 | 4,393 |
| Average equity | $2,497,500 | 4,464 |
| Average total loans | $13,338,000 | 4,361 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5463% | 3,019 |
| Cost of funding earning assets | 0.7761% | 3,797 |
| Net interest margin | 3.7701% | 1,610 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 2.8658% | 1,349 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7010% | 3,196 |
| Return on assets (ROA) | 0.7010% | 3,163 |
| Pretax return on assets | 0.8770% | 3,019 |
| Return on Equity (ROE) | 10.8400% | 2,270 |
| Retained earnings to average equity (ytd only) | 8.9334% | 1,271 |
| Net charge-offs to loans | -0.0312% | 4,269 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 76.5674% | 1,204 |
| Assets per employee ($millions) | 5.7015% | 3,070 |
| Cash dividends to net income (ytd only)* | 17.5732% | 3,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3284% | 1,654 |
| Loan loss allowance to noncurrent loans | 786.9565% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.0672% | 3,120 |
| Noncurrent loans to loans | 0.1688% | 2,677 |
| Net loans and leases to total assets | 39.3000% | 4,062 |
| Net loans and leases to deposits | 42.5241% | 4,144 |
| Net loans and leases to core deposits | 45.3592% | 4,167 |
| Total domestic deposits to total assets | 92.4200% | 240 |
| Equity capital to assets | 7.4133% | 3,763 |
| Core capital (leverage) ratio | 11.0540% | 1,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $34,091,800 | 4,439 |
| Average earning assets | $31,696,400 | 4,404 |
| Average equity | $2,205,200 | 4,479 |
| Average total loans | $12,827,200 | 4,379 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4657% | 2,980 |
| Cost of funding earning assets | 0.6789% | 3,815 |
| Net interest margin | 3.7868% | 1,629 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 2.6969% | 1,667 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0060% | 2,347 |
| Return on assets (ROA) | 1.0060% | 2,334 |
| Pretax return on assets | 1.0843% | 2,610 |
| Return on Equity (ROE) | 16.1400% | 1,230 |
| Retained earnings to average equity (ytd only) | 13.5057% | 744 |
| Net charge-offs to loans | -0.0317% | 4,259 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.3251% | 1,638 |
| Assets per employee ($millions) | 5.4163% | 3,247 |
| Cash dividends to net income (ytd only)* | 16.3424% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3536% | 1,639 |
| Loan loss allowance to noncurrent loans | 42.8571% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 1.2924% | 326 |
| Noncurrent loans to loans | 3.1584% | 132 |
| Net loans and leases to total assets | 40.3700% | 4,042 |
| Net loans and leases to deposits | 43.4026% | 4,122 |
| Net loans and leases to core deposits | 46.4025% | 4,118 |
| Total domestic deposits to total assets | 93.0000% | 301 |
| Equity capital to assets | 5.9081% | 4,020 |
| Core capital (leverage) ratio | 11.1547% | 1,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $34,062,500 | 4,459 |
| Average earning assets | $31,617,750 | 4,428 |
| Average equity | $2,122,500 | 4,505 |
| Average total loans | $12,627,750 | 4,402 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3122% | 3,077 |
| Cost of funding earning assets | 0.5646% | 3,845 |
| Net interest margin | 3.7476% | 1,722 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 2.5734% | 1,994 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1103% | 2,098 |
| Return on assets (ROA) | 1.1103% | 2,083 |
| Pretax return on assets | 1.1566% | 2,485 |
| Return on Equity (ROE) | 17.5300% | 1,014 |
| Retained earnings to average equity (ytd only) | 13.6986% | 721 |
| Net charge-offs to loans | -0.0322% | 4,262 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.9922% | 1,868 |
| Assets per employee ($millions) | 4.7991% | 3,749 |
| Cash dividends to net income (ytd only)* | 21.8750% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3571% | 1,683 |
| Loan loss allowance to noncurrent loans | 712.0000% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.0744% | 3,025 |
| Noncurrent loans to loans | 0.1906% | 2,508 |
| Net loans and leases to total assets | 38.5100% | 4,092 |
| Net loans and leases to deposits | 41.4096% | 4,176 |
| Net loans and leases to core deposits | 44.1721% | 4,172 |
| Total domestic deposits to total assets | 93.0000% | 257 |
| Equity capital to assets | 6.8703% | 3,862 |
| Core capital (leverage) ratio | 10.6135% | 2,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $34,584,000 | 4,481 |
| Average earning assets | $32,234,333 | 4,450 |
| Average equity | $2,190,000 | 4,532 |
| Average total loans | $12,404,333 | 4,429 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1547% | 3,128 |
| Cost of funding earning assets | 0.4643% | 3,795 |
| Net interest margin | 3.6904% | 1,922 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 2.2920% | 2,836 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4025% | 1,399 |
| Return on assets (ROA) | 1.4025% | 1,378 |
| Pretax return on assets | 1.4025% | 1,875 |
| Return on Equity (ROE) | 23.0900% | 502 |
| Retained earnings to average equity (ytd only) | 15.2041% | 776 |
| Net charge-offs to loans | -0.0332% | 4,249 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.0370% | 2,691 |
| Assets per employee ($millions) | 4.9516% | 3,699 |
| Cash dividends to net income (ytd only)* | 34.1463% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4376% | 1,468 |
| Loan loss allowance to noncurrent loans | 1,180.0000% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 3,352 |
| Noncurrent loans to loans | 0.1218% | 2,905 |
| Net loans and leases to total assets | 35.0100% | 4,224 |
| Net loans and leases to deposits | 37.5116% | 4,284 |
| Net loans and leases to core deposits | 39.9007% | 4,271 |
| Total domestic deposits to total assets | 93.3300% | 252 |
| Equity capital to assets | 6.5665% | 4,012 |
| Core capital (leverage) ratio | 9.9928% | 2,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $35,079,000 | 4,542 |
| Average earning assets | $32,734,000 | 4,512 |
| Average equity | $2,131,000 | 4,603 |
| Average total loans | $12,048,500 | 4,500 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3937% | 3,360 |
| Cost of funding earning assets | 0.1664% | 4,021 |
| Net interest margin | 3.2273% | 2,779 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 2.8560% | 1,207 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.4374% | 4,196 |
| Return on assets (ROA) | 0.4374% | 4,159 |
| Pretax return on assets | 0.3697% | 4,313 |
| Return on Equity (ROE) | 6.5500% | 3,722 |
| Retained earnings to average equity (ytd only) | 5.2809% | 2,934 |
| Net charge-offs to loans | 0.0964% | 748 |
| Credit loss provision to net charge-offs | 108.3333% | 1,514 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 2,129 |
| Efficiency ratio | 87.5433% | 375 |
| Assets per employee ($millions) | 5.0710% | 3,619 |
| Cash dividends to net income (ytd only)* | 19.3548% | 2,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4934% | 1,225 |
| Loan loss allowance to noncurrent loans | 676.9231% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.0732% | 3,054 |
| Noncurrent loans to loans | 0.2206% | 2,388 |
| Net loans and leases to total assets | 32.7000% | 4,319 |
| Net loans and leases to deposits | 34.6568% | 4,377 |
| Net loans and leases to core deposits | 37.1916% | 4,353 |
| Total domestic deposits to total assets | 94.3700% | 202 |
| Equity capital to assets | 5.5948% | 4,212 |
| Core capital (leverage) ratio | 9.9490% | 2,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $35,434,000 | 4,572 |
| Average earning assets | $32,442,200 | 4,546 |
| Average equity | $2,367,000 | 4,653 |
| Average total loans | $12,446,600 | 4,523 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2445% | 3,321 |
| Cost of funding earning assets | 0.1278% | 4,051 |
| Net interest margin | 3.1167% | 2,879 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 2.7066% | 1,455 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4254% | 4,198 |
| Return on assets (ROA) | 0.4254% | 4,142 |
| Pretax return on assets | 0.3049% | 4,369 |
| Return on Equity (ROE) | 6.1200% | 3,778 |
| Retained earnings to average equity (ytd only) | 4.4944% | 3,289 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 89.8750% | 324 |
| Assets per employee ($millions) | 4.8229% | 3,825 |
| Cash dividends to net income (ytd only)* | 26.5487% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4045% | 1,595 |
| Loan loss allowance to noncurrent loans | 880.0000% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.0592% | 3,299 |
| Noncurrent loans to loans | 0.1596% | 2,808 |
| Net loans and leases to total assets | 36.6000% | 4,202 |
| Net loans and leases to deposits | 38.4173% | 4,293 |
| Net loans and leases to core deposits | 40.9133% | 4,248 |
| Total domestic deposits to total assets | 95.2600% | 188 |
| Equity capital to assets | 4.6623% | 4,362 |
| Core capital (leverage) ratio | 9.3450% | 3,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $35,418,250 | 4,605 |
| Average earning assets | $32,341,500 | 4,585 |
| Average equity | $2,462,250 | 4,687 |
| Average total loans | $12,612,000 | 4,550 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9950% | 3,573 |
| Cost of funding earning assets | 0.1286% | 3,857 |
| Net interest margin | 2.8664% | 3,252 |
| Noninterest income to average assets | 0.1724% | 4,144 |
| Noninterest expense to average assets | 2.5298% | 1,837 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4226% | 4,069 |
| Return on assets (ROA) | 0.4226% | 4,017 |
| Pretax return on assets | 0.2446% | 4,354 |
| Return on Equity (ROE) | 5.5106% | 3,701 |
| Retained earnings to average equity (ytd only) | 3.3353% | 3,332 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1824% | 361 |
| Assets per employee ($millions) | 5.3336% | 3,398 |
| Cash dividends to net income (ytd only)* | 39.4737% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3560% | 1,934 |
| Loan loss allowance to noncurrent loans | 78.2222% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 0.6027% | 926 |
| Noncurrent loans to loans | 1.7336% | 391 |
| Net loans and leases to total assets | 34.2922% | 4,319 |
| Net loans and leases to deposits | 36.4467% | 4,378 |
| Net loans and leases to core deposits | 38.6016% | 4,365 |
| Total domestic deposits to total assets | 94.0887% | 266 |
| Equity capital to assets | 5.8899% | 4,236 |
| Core capital (leverage) ratio | 9.3619% | 3,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,971,000 | 4,640 |
| Average earning assets | $32,654,333 | 4,636 |
| Average equity | $2,758,333 | 4,705 |
| Average total loans | $12,639,000 | 4,611 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7835% | 3,778 |
| Cost of funding earning assets | 0.1361% | 3,688 |
| Net interest margin | 2.6474% | 3,532 |
| Noninterest income to average assets | 0.1700% | 4,151 |
| Noninterest expense to average assets | 2.6070% | 1,582 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3514% | 4,054 |
| Return on assets (ROA) | 0.3514% | 4,018 |
| Pretax return on assets | -0.0113% | 4,527 |
| Return on Equity (ROE) | 4.0816% | 3,854 |
| Retained earnings to average equity (ytd only) | 0.1317% | 3,992 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4367% | 237 |
| Assets per employee ($millions) | 5.0043% | 3,752 |
| Cash dividends to net income (ytd only)* | 96.7742% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3885% | 1,949 |
| Loan loss allowance to noncurrent loans | 34.6457% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 1.4502% | 253 |
| Noncurrent loans to loans | 4.0076% | 97 |
| Net loans and leases to total assets | 35.6837% | 4,233 |
| Net loans and leases to deposits | 38.6220% | 4,297 |
| Net loans and leases to core deposits | 41.1103% | 4,272 |
| Total domestic deposits to total assets | 92.3922% | 435 |
| Equity capital to assets | 7.5707% | 3,880 |
| Core capital (leverage) ratio | 9.2553% | 3,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,289,000 | 4,670 |
| Average earning assets | $32,333,500 | 4,666 |
| Average equity | $3,038,000 | 4,713 |
| Average total loans | $12,469,000 | 4,639 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7417% | 4,269 |
| Cost of funding earning assets | 0.2018% | 3,446 |
| Net interest margin | 2.5399% | 4,136 |
| Noninterest income to average assets | 0.8868% | 1,243 |
| Noninterest expense to average assets | 2.6406% | 1,775 |
| Loan and lease loss provision to assets | 0.2401% | 403 |
| Net operating income to assets | 0.2231% | 4,511 |
| Return on assets (ROA) | 0.2231% | 4,529 |
| Pretax return on assets | 0.3163% | 4,479 |
| Return on Equity (ROE) | 2.2498% | 4,473 |
| Retained earnings to average equity (ytd only) | 0.8828% | 4,288 |
| Net charge-offs to loans | 0.6776% | 116 |
| Credit loss provision to net charge-offs | 96.5909% | 1,841 |
| Earnings coverage of net charge-offs (x) | 2.2386% | 2,590 |
| Efficiency ratio | 82.5972% | 642 |
| Assets per employee ($millions) | 5.0783% | 3,665 |
| Cash dividends to net income (ytd only)* | 60.7595% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4353% | 1,785 |
| Loan loss allowance to noncurrent loans | 55.5205% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 0.8918% | 659 |
| Noncurrent loans to loans | 2.5852% | 258 |
| Net loans and leases to total assets | 33.9991% | 4,376 |
| Net loans and leases to deposits | 37.7487% | 4,415 |
| Net loans and leases to core deposits | 40.2076% | 4,385 |
| Total domestic deposits to total assets | 90.0670% | 930 |
| Equity capital to assets | 9.6320% | 3,013 |
| Core capital (leverage) ratio | 9.4677% | 2,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,408,200 | 4,705 |
| Average earning assets | $32,206,200 | 4,701 |
| Average equity | $3,511,400 | 4,741 |
| Average total loans | $12,986,600 | 4,682 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8248% | 4,271 |
| Cost of funding earning assets | 0.2186% | 3,436 |
| Net interest margin | 2.6062% | 4,120 |
| Noninterest income to average assets | 1.1119% | 915 |
| Noninterest expense to average assets | 2.5631% | 1,949 |
| Loan and lease loss provision to assets | 0.2459% | 378 |
| Net operating income to assets | 0.3204% | 4,489 |
| Return on assets (ROA) | 0.3204% | 4,517 |
| Pretax return on assets | 0.6408% | 4,176 |
| Return on Equity (ROE) | 3.2075% | 4,431 |
| Retained earnings to average equity (ytd only) | 1.3962% | 4,325 |
| Net charge-offs to loans | 0.5873% | 132 |
| Credit loss provision to net charge-offs | 112.0690% | 1,502 |
| Earnings coverage of net charge-offs (x) | 4.0517% | 2,284 |
| Efficiency ratio | 74.3169% | 1,191 |
| Assets per employee ($millions) | 4.9339% | 3,760 |
| Cash dividends to net income (ytd only)* | 56.4706% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4570% | 1,788 |
| Loan loss allowance to noncurrent loans | 67.3913% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 0.7991% | 892 |
| Noncurrent loans to loans | 2.1620% | 385 |
| Net loans and leases to total assets | 36.4247% | 4,369 |
| Net loans and leases to deposits | 40.7383% | 4,423 |
| Net loans and leases to core deposits | 43.4662% | 4,399 |
| Total domestic deposits to total assets | 89.4114% | 1,065 |
| Equity capital to assets | 10.0819% | 2,820 |
| Core capital (leverage) ratio | 9.3887% | 3,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7531% | 621 |
| Memoranda: | ||
| Average total assets | $35,373,250 | 4,777 |
| Average earning assets | $31,718,500 | 4,771 |
| Average equity | $3,533,250 | 4,810 |
| Average total loans | $13,167,750 | 4,751 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7577% | 4,402 |
| Cost of funding earning assets | 0.2339% | 3,435 |
| Net interest margin | 2.5237% | 4,273 |
| Noninterest income to average assets | 1.5876% | 495 |
| Noninterest expense to average assets | 2.5525% | 1,988 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8527% | 3,360 |
| Return on assets (ROA) | 0.8527% | 3,433 |
| Pretax return on assets | 1.3351% | 2,535 |
| Return on Equity (ROE) | 8.5626% | 3,243 |
| Retained earnings to average equity (ytd only) | 5.8586% | 2,862 |
| Net charge-offs to loans | -0.1203% | 4,680 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6566% | 2,202 |
| Assets per employee ($millions) | 5.1353% | 3,528 |
| Cash dividends to net income (ytd only)* | 31.5789% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3240% | 2,317 |
| Loan loss allowance to noncurrent loans | 52.8249% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 0.9848% | 770 |
| Noncurrent loans to loans | 2.5064% | 328 |
| Net loans and leases to total assets | 38.7710% | 4,351 |
| Net loans and leases to deposits | 43.2651% | 4,409 |
| Net loans and leases to core deposits | 46.0332% | 4,395 |
| Total domestic deposits to total assets | 89.6125% | 972 |
| Equity capital to assets | 9.9118% | 2,931 |
| Core capital (leverage) ratio | 9.1237% | 3,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2587% | 595 |
| Memoranda: | ||
| Average total assets | $35,652,000 | 4,806 |
| Average earning assets | $32,491,333 | 4,799 |
| Average equity | $3,550,333 | 4,844 |
| Average total loans | $13,301,667 | 4,781 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5775% | 4,587 |
| Cost of funding earning assets | 0.2365% | 3,594 |
| Net interest margin | 2.3410% | 4,475 |
| Noninterest income to average assets | 2.0279% | 368 |
| Noninterest expense to average assets | 2.4673% | 2,273 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7913% | 800 |
| Return on assets (ROA) | 1.7913% | 854 |
| Pretax return on assets | 1.7913% | 1,304 |
| Return on Equity (ROE) | 17.9458% | 733 |
| Retained earnings to average equity (ytd only) | 12.5282% | 1,023 |
| Net charge-offs to loans | -0.2482% | 4,819 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9365% | 3,307 |
| Assets per employee ($millions) | 5.1517% | 3,484 |
| Cash dividends to net income (ytd only)* | 30.1887% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4068% | 1,930 |
| Loan loss allowance to noncurrent loans | 161.2069% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 0.3217% | 2,538 |
| Noncurrent loans to loans | 0.8726% | 1,544 |
| Net loans and leases to total assets | 36.3430% | 4,486 |
| Net loans and leases to deposits | 40.4406% | 4,551 |
| Net loans and leases to core deposits | 43.0029% | 4,527 |
| Total domestic deposits to total assets | 89.8675% | 885 |
| Equity capital to assets | 9.8220% | 2,875 |
| Core capital (leverage) ratio | 9.3713% | 3,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,504,500 | 4,829 |
| Average earning assets | $33,831,000 | 4,799 |
| Average equity | $3,544,000 | 4,867 |
| Average total loans | $12,890,500 | 4,817 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3231% | 4,298 |
| Cost of funding earning assets | 0.4048% | 3,548 |
| Net interest margin | 2.9183% | 4,078 |
| Noninterest income to average assets | 0.3319% | 3,472 |
| Noninterest expense to average assets | 2.7916% | 1,964 |
| Loan and lease loss provision to assets | 0.1396% | 2,611 |
| Net operating income to assets | 0.1520% | 4,625 |
| Return on assets (ROA) | 0.1520% | 4,671 |
| Pretax return on assets | 0.1737% | 4,665 |
| Return on Equity (ROE) | 1.3971% | 4,634 |
| Retained earnings to average equity (ytd only) | 0.0285% | 4,509 |
| Net charge-offs to loans | 0.3192% | 557 |
| Credit loss provision to net charge-offs | 102.2727% | 2,790 |
| Earnings coverage of net charge-offs (x) | 2.2955% | 3,177 |
| Efficiency ratio | 89.9101% | 381 |
| Assets per employee ($millions) | 4.9924% | 3,399 |
| Cash dividends to net income (ytd only)* | 97.9592% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4334% | 1,838 |
| Loan loss allowance to noncurrent loans | 252.1127% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.2032% | 3,273 |
| Noncurrent loans to loans | 0.5685% | 2,278 |
| Net loans and leases to total assets | 35.2219% | 4,609 |
| Net loans and leases to deposits | 39.4191% | 4,669 |
| Net loans and leases to core deposits | 41.5311% | 4,665 |
| Total domestic deposits to total assets | 89.3524% | 829 |
| Equity capital to assets | 10.1468% | 2,986 |
| Core capital (leverage) ratio | 9.6658% | 2,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $32,239,000 | 4,851 |
| Average earning assets | $30,634,200 | 4,832 |
| Average equity | $3,507,200 | 4,881 |
| Average total loans | $13,785,400 | 4,828 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4603% | 4,272 |
| Cost of funding earning assets | 0.4531% | 3,509 |
| Net interest margin | 3.0072% | 3,961 |
| Noninterest income to average assets | 0.3886% | 3,140 |
| Noninterest expense to average assets | 2.7543% | 2,106 |
| Loan and lease loss provision to assets | 0.1046% | 3,012 |
| Net operating income to assets | 0.2239% | 4,557 |
| Return on assets (ROA) | 0.2239% | 4,598 |
| Pretax return on assets | 0.3886% | 4,447 |
| Return on Equity (ROE) | 2.0204% | 4,547 |
| Retained earnings to average equity (ytd only) | 0.1906% | 4,449 |
| Net charge-offs to loans | 0.3024% | 515 |
| Credit loss provision to net charge-offs | 78.1250% | 2,771 |
| Earnings coverage of net charge-offs (x) | 3.6563% | 2,896 |
| Efficiency ratio | 84.7854% | 568 |
| Assets per employee ($millions) | 4.6483% | 3,660 |
| Cash dividends to net income (ytd only)* | 90.5660% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2632% | 2,334 |
| Loan loss allowance to noncurrent loans | 33.2039% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 1.5828% | 517 |
| Noncurrent loans to loans | 3.8044% | 182 |
| Net loans and leases to total assets | 41.0781% | 4,530 |
| Net loans and leases to deposits | 46.4097% | 4,592 |
| Net loans and leases to core deposits | 49.0730% | 4,605 |
| Total domestic deposits to total assets | 88.5119% | 969 |
| Equity capital to assets | 10.9042% | 2,476 |
| Core capital (leverage) ratio | 9.8138% | 2,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $31,562,000 | 4,889 |
| Average earning assets | $30,016,250 | 4,865 |
| Average equity | $3,497,500 | 4,905 |
| Average total loans | $14,109,750 | 4,852 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7023% | 4,087 |
| Cost of funding earning assets | 0.4847% | 3,630 |
| Net interest margin | 3.2177% | 3,615 |
| Noninterest income to average assets | 0.4866% | 2,624 |
| Noninterest expense to average assets | 2.7788% | 2,140 |
| Loan and lease loss provision to assets | 0.1601% | 2,399 |
| Net operating income to assets | 0.6083% | 3,715 |
| Return on assets (ROA) | 0.6083% | 3,790 |
| Pretax return on assets | 0.6083% | 4,044 |
| Return on Equity (ROE) | 5.4587% | 3,691 |
| Retained earnings to average equity (ytd only) | 2.7006% | 3,503 |
| Net charge-offs to loans | 0.2797% | 569 |
| Credit loss provision to net charge-offs | 125.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,473 |
| Efficiency ratio | 78.3394% | 1,023 |
| Assets per employee ($millions) | 4.8309% | 3,386 |
| Cash dividends to net income (ytd only)* | 50.5263% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2333% | 2,336 |
| Loan loss allowance to noncurrent loans | 34.2056% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 1.5821% | 573 |
| Noncurrent loans to loans | 3.6056% | 215 |
| Net loans and leases to total assets | 43.3375% | 4,486 |
| Net loans and leases to deposits | 48.8272% | 4,573 |
| Net loans and leases to core deposits | 51.5096% | 4,584 |
| Total domestic deposits to total assets | 88.7568% | 839 |
| Equity capital to assets | 10.5867% | 2,677 |
| Core capital (leverage) ratio | 9.8353% | 2,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $31,236,667 | 4,920 |
| Average earning assets | $29,711,000 | 4,900 |
| Average equity | $3,480,667 | 4,939 |
| Average total loans | $14,300,667 | 4,876 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0688% | 3,607 |
| Cost of funding earning assets | 0.5369% | 3,762 |
| Net interest margin | 3.5319% | 2,878 |
| Noninterest income to average assets | 0.3206% | 3,600 |
| Noninterest expense to average assets | 2.8317% | 2,335 |
| Loan and lease loss provision to assets | 0.3339% | 924 |
| Net operating income to assets | 0.4942% | 3,906 |
| Return on assets (ROA) | 0.4942% | 3,968 |
| Pretax return on assets | 0.4942% | 4,133 |
| Return on Equity (ROE) | 4.3136% | 3,866 |
| Retained earnings to average equity (ytd only) | -1.2824% | 4,173 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3723% | 1,414 |
| Assets per employee ($millions) | 4.3026% | 3,532 |
| Cash dividends to net income (ytd only)* | 129.7297% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4601% | 1,488 |
| Loan loss allowance to noncurrent loans | 597.0588% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.1129% | 4,056 |
| Noncurrent loans to loans | 0.2446% | 3,605 |
| Net loans and leases to total assets | 45.4877% | 4,446 |
| Net loans and leases to deposits | 51.8920% | 4,524 |
| Net loans and leases to core deposits | 55.1374% | 4,527 |
| Total domestic deposits to total assets | 87.6585% | 1,245 |
| Equity capital to assets | 11.6077% | 2,354 |
| Core capital (leverage) ratio | 10.8013% | 2,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $29,947,000 | 4,970 |
| Average earning assets | $28,313,000 | 4,956 |
| Average equity | $3,431,000 | 4,990 |
| Average total loans | $14,032,000 | 4,924 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4499% | 3,117 |
| Cost of funding earning assets | 0.6120% | 3,590 |
| Net interest margin | 3.8379% | 2,377 |
| Noninterest income to average assets | 0.3604% | 3,541 |
| Noninterest expense to average assets | 3.2918% | 1,316 |
| Loan and lease loss provision to assets | 0.0858% | 2,291 |
| Net operating income to assets | 0.4462% | 4,510 |
| Return on assets (ROA) | 0.4462% | 4,542 |
| Pretax return on assets | 0.5561% | 4,478 |
| Return on Equity (ROE) | 4.0007% | 4,460 |
| Retained earnings to average equity (ytd only) | 2.5235% | 3,767 |
| Net charge-offs to loans | 0.0676% | 2,122 |
| Credit loss provision to net charge-offs | 250.0000% | 1,085 |
| Earnings coverage of net charge-offs (x) | 18.7000% | 2,044 |
| Efficiency ratio | 83.6824% | 676 |
| Assets per employee ($millions) | 4.2537% | 3,575 |
| Cash dividends to net income (ytd only)* | 36.9231% | 2,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2640% | 2,097 |
| Loan loss allowance to noncurrent loans | 458.9744% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.1310% | 3,982 |
| Noncurrent loans to loans | 0.2754% | 3,459 |
| Net loans and leases to total assets | 46.9573% | 4,480 |
| Net loans and leases to deposits | 53.2932% | 4,561 |
| Net loans and leases to core deposits | 56.6486% | 4,558 |
| Total domestic deposits to total assets | 88.1112% | 1,080 |
| Equity capital to assets | 11.3044% | 2,701 |
| Core capital (leverage) ratio | 10.9655% | 2,528 |
| Tier 1 risk-based capital ratio | 19.0113% | 1,512 |
| Total risk-based capital ratio | 20.0622% | 1,532 |
| Memoranda: | ||
| Average total assets | $29,132,800 | 5,036 |
| Average earning assets | $27,124,000 | 5,023 |
| Average equity | $3,249,400 | 5,058 |
| Average total loans | $14,801,200 | 4,970 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5718% | 2,824 |
| Cost of funding earning assets | 0.6149% | 3,617 |
| Net interest margin | 3.9569% | 2,081 |
| Noninterest income to average assets | 0.2715% | 4,112 |
| Noninterest expense to average assets | 3.1432% | 1,599 |
| Loan and lease loss provision to assets | 0.1150% | 1,693 |
| Net operating income to assets | 0.6857% | 4,057 |
| Return on assets (ROA) | 0.6857% | 4,119 |
| Pretax return on assets | 0.6857% | 4,378 |
| Return on Equity (ROE) | 6.1691% | 3,991 |
| Retained earnings to average equity (ytd only) | 4.1817% | 3,313 |
| Net charge-offs to loans | -0.0178% | 4,555 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6966% | 949 |
| Assets per employee ($millions) | 4.1643% | 3,674 |
| Cash dividends to net income (ytd only)* | 32.2158% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3587% | 1,728 |
| Loan loss allowance to noncurrent loans | 211.1111% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.3087% | 3,308 |
| Noncurrent loans to loans | 0.6436% | 2,347 |
| Net loans and leases to total assets | 47.3208% | 4,530 |
| Net loans and leases to deposits | 53.9798% | 4,631 |
| Net loans and leases to core deposits | 56.2378% | 4,679 |
| Total domestic deposits to total assets | 87.6638% | 1,185 |
| Equity capital to assets | 11.5918% | 2,601 |
| Core capital (leverage) ratio | 11.2817% | 2,397 |
| Tier 1 risk-based capital ratio | 20.2539% | 1,330 |
| Total risk-based capital ratio | 21.4361% | 1,306 |
| Memoranda: | ||
| Average total assets | $28,972,000 | 5,112 |
| Average earning assets | $26,888,750 | 5,101 |
| Average equity | $3,220,250 | 5,135 |
| Average total loans | $14,961,250 | 5,042 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5900% | 2,706 |
| Cost of funding earning assets | 0.6045% | 3,623 |
| Net interest margin | 3.9854% | 1,965 |
| Noninterest income to average assets | 0.2836% | 4,046 |
| Noninterest expense to average assets | 3.0852% | 1,774 |
| Loan and lease loss provision to assets | 0.1729% | 1,049 |
| Net operating income to assets | 0.7194% | 3,936 |
| Return on assets (ROA) | 0.7194% | 3,996 |
| Pretax return on assets | 0.7194% | 4,286 |
| Return on Equity (ROE) | 6.5670% | 3,858 |
| Retained earnings to average equity (ytd only) | 3.5361% | 3,476 |
| Net charge-offs to loans | -0.0262% | 4,638 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,294 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5652% | 1,211 |
| Assets per employee ($millions) | 4.1599% | 3,633 |
| Cash dividends to net income (ytd only)* | 46.1538% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3361% | 1,871 |
| Loan loss allowance to noncurrent loans | 234.5679% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.2782% | 3,448 |
| Noncurrent loans to loans | 0.5696% | 2,552 |
| Net loans and leases to total assets | 48.1850% | 4,564 |
| Net loans and leases to deposits | 54.7508% | 4,648 |
| Net loans and leases to core deposits | 57.0343% | 4,677 |
| Total domestic deposits to total assets | 88.0078% | 1,095 |
| Equity capital to assets | 11.3053% | 2,780 |
| Core capital (leverage) ratio | 11.1404% | 2,468 |
| Tier 1 risk-based capital ratio | 18.6292% | 1,638 |
| Total risk-based capital ratio | 19.7319% | 1,638 |
| Memoranda: | ||
| Average total assets | $28,912,670 | 5,157 |
| Average earning assets | $26,797,670 | 5,146 |
| Average equity | $3,167,330 | 5,180 |
| Average total loans | $15,287,000 | 5,083 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5313% | 2,762 |
| Cost of funding earning assets | 0.5683% | 3,743 |
| Net interest margin | 3.9630% | 1,973 |
| Noninterest income to average assets | 0.2499% | 4,227 |
| Noninterest expense to average assets | 2.9018% | 2,275 |
| Loan and lease loss provision to assets | 0.3471% | 344 |
| Net operating income to assets | 0.6803% | 3,998 |
| Return on assets (ROA) | 0.6803% | 4,038 |
| Pretax return on assets | 0.6803% | 4,349 |
| Return on Equity (ROE) | 6.3124% | 3,913 |
| Retained earnings to average equity (ytd only) | 0.1288% | 4,499 |
| Net charge-offs to loans | -0.0506% | 4,835 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,969 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8516% | 1,775 |
| Assets per employee ($millions) | 4.1839% | 3,648 |
| Cash dividends to net income (ytd only)* | 97.9592% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2649% | 2,252 |
| Loan loss allowance to noncurrent loans | 1,055.5556% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.0615% | 4,515 |
| Noncurrent loans to loans | 0.1198% | 4,204 |
| Net loans and leases to total assets | 50.6402% | 4,425 |
| Net loans and leases to deposits | 56.9569% | 4,552 |
| Net loans and leases to core deposits | 59.2861% | 4,598 |
| Total domestic deposits to total assets | 88.9098% | 898 |
| Equity capital to assets | 10.8307% | 3,019 |
| Core capital (leverage) ratio | 11.0110% | 2,566 |
| Tier 1 risk-based capital ratio | 17.3287% | 2,002 |
| Total risk-based capital ratio | 18.3726% | 2,017 |
| Memoranda: | ||
| Average total assets | $28,809,500 | 5,212 |
| Average earning assets | $26,747,500 | 5,202 |
| Average equity | $3,105,000 | 5,236 |
| Average total loans | $15,820,000 | 5,130 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8256% | 1,481 |
| Cost of funding earning assets | 0.4122% | 3,911 |
| Net interest margin | 4.4134% | 907 |
| Noninterest income to average assets | 0.3217% | 3,948 |
| Noninterest expense to average assets | 3.4560% | 1,059 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6796% | 4,202 |
| Return on assets (ROA) | 0.6796% | 4,207 |
| Pretax return on assets | 0.9688% | 3,701 |
| Return on Equity (ROE) | 6.2471% | 4,095 |
| Retained earnings to average equity (ytd only) | 4.6521% | 2,960 |
| Net charge-offs to loans | 0.0058% | 3,500 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 268.0000% | 357 |
| Efficiency ratio | 78.1046% | 1,118 |
| Assets per employee ($millions) | 4.0474% | 3,832 |
| Cash dividends to net income (ytd only)* | 25.5319% | 3,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9808% | 3,803 |
| Loan loss allowance to noncurrent loans | 94.7674% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 0.6071% | 2,220 |
| Noncurrent loans to loans | 1.0350% | 1,583 |
| Net loans and leases to total assets | 58.0827% | 3,953 |
| Net loans and leases to deposits | 65.1491% | 4,176 |
| Net loans and leases to core deposits | 67.8990% | 4,241 |
| Total domestic deposits to total assets | 89.1536% | 799 |
| Equity capital to assets | 10.7229% | 2,955 |
| Core capital (leverage) ratio | 11.7126% | 1,942 |
| Tier 1 risk-based capital ratio | 16.7872% | 2,141 |
| Total risk-based capital ratio | 17.6354% | 2,216 |
| Memoranda: | ||
| Average total assets | $27,662,200 | 5,271 |
| Average earning assets | $25,717,200 | 5,251 |
| Average equity | $3,009,400 | 5,281 |
| Average total loans | $17,364,200 | 5,141 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8264% | 1,355 |
| Cost of funding earning assets | 0.3704% | 4,044 |
| Net interest margin | 4.4559% | 809 |
| Noninterest income to average assets | 0.3249% | 3,970 |
| Noninterest expense to average assets | 3.2393% | 1,439 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9844% | 3,155 |
| Return on assets (ROA) | 0.9844% | 3,162 |
| Pretax return on assets | 1.2269% | 2,890 |
| Return on Equity (ROE) | 9.0152% | 3,074 |
| Retained earnings to average equity (ytd only) | 6.8835% | 2,189 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5299% | 1,803 |
| Assets per employee ($millions) | 3.8986% | 4,046 |
| Cash dividends to net income (ytd only)* | 23.6459% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9064% | 4,240 |
| Loan loss allowance to noncurrent loans | 75.2294% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 0.7988% | 1,849 |
| Noncurrent loans to loans | 1.2049% | 1,410 |
| Net loans and leases to total assets | 65.6981% | 3,218 |
| Net loans and leases to deposits | 76.3001% | 3,393 |
| Net loans and leases to core deposits | 79.7057% | 3,518 |
| Total domestic deposits to total assets | 86.1048% | 2,143 |
| Equity capital to assets | 10.9784% | 2,681 |
| Core capital (leverage) ratio | 11.7288% | 1,990 |
| Tier 1 risk-based capital ratio | 15.6904% | 2,569 |
| Total risk-based capital ratio | 16.5025% | 2,685 |
| Memoranda: | ||
| Average total assets | $27,494,750 | 5,342 |
| Average earning assets | $25,553,250 | 5,322 |
| Average equity | $3,002,250 | 5,349 |
| Average total loans | $17,550,500 | 5,193 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7624% | 1,348 |
| Cost of funding earning assets | 0.3519% | 4,064 |
| Net interest margin | 4.4105% | 832 |
| Noninterest income to average assets | 0.3338% | 3,949 |
| Noninterest expense to average assets | 3.1709% | 1,606 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0159% | 2,950 |
| Return on assets (ROA) | 1.0159% | 2,958 |
| Pretax return on assets | 1.2553% | 2,701 |
| Return on Equity (ROE) | 9.3199% | 2,883 |
| Retained earnings to average equity (ytd only) | 6.1245% | 2,486 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6393% | 2,060 |
| Assets per employee ($millions) | 3.9114% | 4,039 |
| Cash dividends to net income (ytd only)* | 34.2857% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9511% | 4,112 |
| Loan loss allowance to noncurrent loans | 372.7273% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.1607% | 4,183 |
| Noncurrent loans to loans | 0.2552% | 3,785 |
| Net loans and leases to total assets | 62.3776% | 3,554 |
| Net loans and leases to deposits | 70.1512% | 3,841 |
| Net loans and leases to core deposits | 73.1685% | 3,929 |
| Total domestic deposits to total assets | 88.9189% | 965 |
| Equity capital to assets | 10.9715% | 2,661 |
| Core capital (leverage) ratio | 11.4070% | 2,154 |
| Tier 1 risk-based capital ratio | 15.0317% | 2,860 |
| Total risk-based capital ratio | 15.8254% | 2,999 |
| Memoranda: | ||
| Average total assets | $27,563,000 | 5,405 |
| Average earning assets | $25,575,330 | 5,384 |
| Average equity | $3,004,330 | 5,411 |
| Average total loans | $17,369,670 | 5,256 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7223% | 1,256 |
| Cost of funding earning assets | 0.3273% | 4,148 |
| Net interest margin | 4.3950% | 777 |
| Noninterest income to average assets | 0.3471% | 3,819 |
| Noninterest expense to average assets | 3.1243% | 1,755 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3018% | 1,634 |
| Return on assets (ROA) | 1.3018% | 1,639 |
| Pretax return on assets | 1.3018% | 2,363 |
| Return on Equity (ROE) | 11.9820% | 1,586 |
| Retained earnings to average equity (ytd only) | 5.5916% | 2,905 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5882% | 2,406 |
| Assets per employee ($millions) | 3.9589% | 4,047 |
| Cash dividends to net income (ytd only)* | 53.3333% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9176% | 4,366 |
| Loan loss allowance to noncurrent loans | 2,342.8571% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.0253% | 4,990 |
| Noncurrent loans to loans | 0.0392% | 4,797 |
| Net loans and leases to total assets | 63.9001% | 3,323 |
| Net loans and leases to deposits | 71.6517% | 3,649 |
| Net loans and leases to core deposits | 74.6826% | 3,769 |
| Total domestic deposits to total assets | 89.1816% | 1,013 |
| Equity capital to assets | 10.7138% | 2,857 |
| Core capital (leverage) ratio | 10.8369% | 2,595 |
| Tier 1 risk-based capital ratio | 14.6108% | 3,065 |
| Total risk-based capital ratio | 15.3949% | 3,226 |
| Memoranda: | ||
| Average total assets | $27,654,500 | 5,462 |
| Average earning assets | $25,665,500 | 5,443 |
| Average equity | $3,004,500 | 5,468 |
| Average total loans | $17,433,000 | 5,314 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3741% | 2,100 |
| Cost of funding earning assets | 0.2727% | 4,379 |
| Net interest margin | 4.1014% | 1,429 |
| Noninterest income to average assets | 0.3451% | 3,999 |
| Noninterest expense to average assets | 3.2567% | 1,474 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6291% | 3,893 |
| Return on assets (ROA) | 0.6291% | 3,931 |
| Pretax return on assets | 0.9274% | 3,822 |
| Return on Equity (ROE) | 5.8163% | 3,836 |
| Retained earnings to average equity (ytd only) | 4.2210% | 2,631 |
| Net charge-offs to loans | 0.0176% | 3,510 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 86.0000% | 725 |
| Efficiency ratio | 77.8351% | 1,376 |
| Assets per employee ($millions) | 4.5995% | 3,032 |
| Cash dividends to net income (ytd only)* | 27.4286% | 3,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9650% | 4,136 |
| 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 | 60.9849% | 3,735 |
| Net loans and leases to deposits | 68.6799% | 3,974 |
| Net loans and leases to core deposits | 72.5369% | 4,010 |
| Total domestic deposits to total assets | 88.7959% | 1,088 |
| Equity capital to assets | 11.0157% | 2,608 |
| Core capital (leverage) ratio | 11.0662% | 2,272 |
| Tier 1 risk-based capital ratio | 14.7630% | 2,953 |
| Total risk-based capital ratio | 15.5594% | 3,091 |
| Memoranda: | ||
| Average total assets | $27,819,200 | 5,519 |
| Average earning assets | $26,039,800 | 5,495 |
| Average equity | $3,008,800 | 5,529 |
| Average total loans | $17,092,800 | 5,385 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3024% | 2,254 |
| Cost of funding earning assets | 0.2698% | 4,412 |
| Net interest margin | 4.0325% | 1,596 |
| Noninterest income to average assets | 0.3300% | 4,174 |
| Noninterest expense to average assets | 2.9991% | 2,110 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7892% | 3,565 |
| Return on assets (ROA) | 0.7892% | 3,621 |
| Pretax return on assets | 1.1193% | 3,233 |
| Return on Equity (ROE) | 7.3306% | 3,481 |
| Retained earnings to average equity (ytd only) | 5.1983% | 2,748 |
| Net charge-offs to loans | 0.0234% | 2,988 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 77.9975% | 825 |
| Efficiency ratio | 72.8223% | 2,069 |
| Assets per employee ($millions) | 4.4628% | 3,217 |
| Cash dividends to net income (ytd only)* | 29.0922% | 2,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9350% | 4,407 |
| 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 | 64.8915% | 3,266 |
| Net loans and leases to deposits | 73.6302% | 3,613 |
| Net loans and leases to core deposits | 77.8704% | 3,646 |
| Total domestic deposits to total assets | 88.1316% | 1,294 |
| Equity capital to assets | 11.4987% | 2,374 |
| Core capital (leverage) ratio | 11.0158% | 2,444 |
| Tier 1 risk-based capital ratio | 17.7489% | 1,930 |
| Total risk-based capital ratio | 18.7179% | 1,965 |
| Memoranda: | ||
| Average total assets | $27,874,750 | 5,582 |
| Average earning assets | $26,186,250 | 5,556 |
| Average equity | $3,001,000 | 5,592 |
| Average total loans | $17,117,500 | 5,443 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1666% | 2,600 |
| Cost of funding earning assets | 0.2571% | 4,483 |
| Net interest margin | 3.9095% | 1,893 |
| Noninterest income to average assets | 0.3116% | 4,308 |
| Noninterest expense to average assets | 3.0098% | 2,079 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6020% | 4,298 |
| Return on assets (ROA) | 0.6020% | 4,343 |
| Pretax return on assets | 0.9631% | 3,714 |
| Return on Equity (ROE) | 5.7143% | 4,171 |
| Retained earnings to average equity (ytd only) | 2.4874% | 4,200 |
| Net charge-offs to loans | 0.0236% | 2,753 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 68.0000% | 860 |
| Efficiency ratio | 75.7576% | 1,757 |
| Assets per employee ($millions) | 4.6660% | 2,837 |
| Cash dividends to net income (ytd only)* | 56.4706% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9397% | 4,471 |
| Loan loss allowance to noncurrent loans | 163.3663% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.3608% | 3,678 |
| Noncurrent loans to loans | 0.5752% | 3,002 |
| Net loans and leases to total assets | 62.1267% | 3,620 |
| Net loans and leases to deposits | 69.8767% | 3,923 |
| Net loans and leases to core deposits | 72.7558% | 4,038 |
| Total domestic deposits to total assets | 88.9091% | 1,003 |
| Equity capital to assets | 10.7408% | 3,090 |
| Core capital (leverage) ratio | 10.5969% | 2,815 |
| Tier 1 risk-based capital ratio | 14.3453% | 3,244 |
| Total risk-based capital ratio | 15.1548% | 3,396 |
| Memoranda: | ||
| Average total assets | $28,240,670 | 5,621 |
| Average earning assets | $26,448,670 | 5,599 |
| Average equity | $2,975,000 | 5,641 |
| Average total loans | $16,976,670 | 5,491 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0555% | 2,824 |
| Cost of funding earning assets | 0.2553% | 4,493 |
| Net interest margin | 3.8002% | 2,111 |
| Noninterest income to average assets | 0.3103% | 4,332 |
| Noninterest expense to average assets | 2.8911% | 2,480 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9872% | 2,361 |
| Return on assets (ROA) | 0.9872% | 2,411 |
| Pretax return on assets | 0.9872% | 3,421 |
| Return on Equity (ROE) | 9.4627% | 2,200 |
| Retained earnings to average equity (ytd only) | 2.9740% | 3,921 |
| Net charge-offs to loans | 0.0479% | 1,893 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 35.0000% | 1,129 |
| Efficiency ratio | 74.5455% | 2,134 |
| Assets per employee ($millions) | 4.7100% | 2,827 |
| Cash dividends to net income (ytd only)* | 68.5714% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9796% | 4,396 |
| Loan loss allowance to noncurrent loans | 3,300.0000% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.0177% | 5,277 |
| Noncurrent loans to loans | 0.0297% | 5,095 |
| Net loans and leases to total assets | 59.0163% | 3,883 |
| Net loans and leases to deposits | 66.1432% | 4,165 |
| Net loans and leases to core deposits | 68.8263% | 4,232 |
| Total domestic deposits to total assets | 89.2251% | 1,041 |
| Equity capital to assets | 10.5379% | 3,142 |
| Core capital (leverage) ratio | 10.3014% | 3,106 |
| Tier 1 risk-based capital ratio | 14.4231% | 3,243 |
| Total risk-based capital ratio | 15.2412% | 3,396 |
| Memoranda: | ||
| Average total assets | $28,363,000 | 5,685 |
| Average earning assets | $26,630,500 | 5,664 |
| Average equity | $2,959,000 | 5,703 |
| Average total loans | $16,686,000 | 5,563 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1594% | 2,629 |
| Cost of funding earning assets | 0.2233% | 4,801 |
| Net interest margin | 3.9361% | 1,830 |
| Noninterest income to average assets | 0.2681% | 4,808 |
| Noninterest expense to average assets | 3.1571% | 1,879 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4797% | 4,712 |
| Return on assets (ROA) | 0.4797% | 4,787 |
| Pretax return on assets | 0.7796% | 4,239 |
| Return on Equity (ROE) | 4.5810% | 4,626 |
| Retained earnings to average equity (ytd only) | 2.7621% | 3,934 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1971% | 1,395 |
| Assets per employee ($millions) | 4.7443% | 2,727 |
| Cash dividends to net income (ytd only)* | 39.7059% | 2,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0103% | 4,251 |
| Loan loss allowance to noncurrent loans | 98.8166% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 0.5937% | 2,951 |
| Noncurrent loans to loans | 1.0224% | 2,041 |
| Net loans and leases to total assets | 57.4791% | 4,117 |
| Net loans and leases to deposits | 64.3085% | 4,385 |
| Net loans and leases to core deposits | 66.8929% | 4,472 |
| Total domestic deposits to total assets | 89.3803% | 906 |
| Equity capital to assets | 10.3281% | 3,352 |
| Core capital (leverage) ratio | 10.3774% | 3,019 |
| Tier 1 risk-based capital ratio | 14.1250% | 3,396 |
| Total risk-based capital ratio | 14.9420% | 3,562 |
| Memoranda: | ||
| Average total assets | $28,348,600 | 5,739 |
| Average earning assets | $26,422,000 | 5,718 |
| Average equity | $2,968,800 | 5,762 |
| Average total loans | $16,735,400 | 5,621 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1374% | 2,732 |
| Cost of funding earning assets | 0.2122% | 4,954 |
| Net interest margin | 3.9252% | 1,895 |
| Noninterest income to average assets | 0.2542% | 4,941 |
| Noninterest expense to average assets | 2.9897% | 2,350 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7439% | 3,631 |
| Return on assets (ROA) | 0.7439% | 3,761 |
| Pretax return on assets | 0.9228% | 3,898 |
| Return on Equity (ROE) | 7.0786% | 3,523 |
| Retained earnings to average equity (ytd only) | 4.6593% | 3,048 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4140% | 1,917 |
| Assets per employee ($millions) | 4.5773% | 2,960 |
| Cash dividends to net income (ytd only)* | 34.1783% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9470% | 4,677 |
| Loan loss allowance to noncurrent loans | 8,350.0000% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 5,503 |
| Noncurrent loans to loans | 0.0113% | 5,358 |
| Net loans and leases to total assets | 63.5996% | 3,452 |
| Net loans and leases to deposits | 71.9606% | 3,807 |
| Net loans and leases to core deposits | 75.8907% | 3,847 |
| Total domestic deposits to total assets | 88.3812% | 1,195 |
| Equity capital to assets | 11.1455% | 2,865 |
| Core capital (leverage) ratio | 10.2981% | 3,231 |
| Tier 1 risk-based capital ratio | 14.2556% | 3,429 |
| Total risk-based capital ratio | 15.0740% | 3,580 |
| Memoranda: | ||
| Average total assets | $28,319,250 | 5,799 |
| Average earning assets | $26,392,750 | 5,778 |
| Average equity | $2,976,000 | 5,823 |
| Average total loans | $16,787,000 | 5,679 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0227% | 3,168 |
| Cost of funding earning assets | 0.2105% | 5,037 |
| Net interest margin | 3.8121% | 2,263 |
| Noninterest income to average assets | 0.2587% | 4,927 |
| Noninterest expense to average assets | 2.9716% | 2,438 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6572% | 4,010 |
| Return on assets (ROA) | 0.6572% | 4,156 |
| Pretax return on assets | 0.8320% | 4,183 |
| Return on Equity (ROE) | 6.3779% | 3,864 |
| Retained earnings to average equity (ytd only) | 2.7140% | 4,178 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1250% | 1,771 |
| Assets per employee ($millions) | 4.7995% | 2,562 |
| Cash dividends to net income (ytd only)* | 57.4468% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9450% | 4,781 |
| Loan loss allowance to noncurrent loans | 245.5882% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.2361% | 4,551 |
| Noncurrent loans to loans | 0.3848% | 3,980 |
| Net loans and leases to total assets | 60.7876% | 3,778 |
| Net loans and leases to deposits | 68.1792% | 4,166 |
| Net loans and leases to core deposits | 71.6889% | 4,206 |
| Total domestic deposits to total assets | 89.1586% | 844 |
| Equity capital to assets | 10.4108% | 3,735 |
| Core capital (leverage) ratio | 9.8294% | 3,776 |
| Tier 1 risk-based capital ratio | 13.8586% | 3,694 |
| Total risk-based capital ratio | 14.6718% | 3,860 |
| Memoranda: | ||
| Average total assets | $28,604,330 | 5,866 |
| Average earning assets | $26,599,330 | 5,849 |
| Average equity | $2,947,670 | 5,898 |
| Average total loans | $16,504,670 | 5,750 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9264% | 3,477 |
| Cost of funding earning assets | 0.1963% | 5,237 |
| Net interest margin | 3.7301% | 2,554 |
| Noninterest income to average assets | 0.2666% | 4,825 |
| Noninterest expense to average assets | 2.9044% | 2,693 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8278% | 3,110 |
| Return on assets (ROA) | 0.8278% | 3,237 |
| Pretax return on assets | 0.8278% | 4,111 |
| Return on Equity (ROE) | 8.0753% | 2,871 |
| Retained earnings to average equity (ytd only) | 0.6843% | 4,945 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8195% | 1,917 |
| Assets per employee ($millions) | 4.6830% | 2,771 |
| Cash dividends to net income (ytd only)* | 91.5254% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0183% | 4,502 |
| Loan loss allowance to noncurrent loans | 16,700.0000% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 5,669 |
| Noncurrent loans to loans | 0.0061% | 5,502 |
| Net loans and leases to total assets | 57.7728% | 4,069 |
| Net loans and leases to deposits | 64.7791% | 4,360 |
| Net loans and leases to core deposits | 68.1973% | 4,388 |
| Total domestic deposits to total assets | 89.1843% | 1,006 |
| Equity capital to assets | 10.4527% | 3,554 |
| Core capital (leverage) ratio | 10.0851% | 3,436 |
| Tier 1 risk-based capital ratio | 16.9055% | 2,321 |
| Total risk-based capital ratio | 17.9109% | 2,364 |
| Memoranda: | ||
| Average total assets | $28,508,000 | 5,931 |
| Average earning assets | $26,487,500 | 5,908 |
| Average equity | $2,922,500 | 5,955 |
| Average total loans | $15,921,000 | 5,821 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2670% | 2,328 |
| Cost of funding earning assets | 0.2169% | 5,124 |
| Net interest margin | 4.0501% | 1,559 |
| Noninterest income to average assets | 0.2922% | 4,799 |
| Noninterest expense to average assets | 3.0914% | 2,265 |
| Loan and lease loss provision to assets | 0.1443% | 1,641 |
| Net operating income to assets | 0.5331% | 4,573 |
| Return on assets (ROA) | 0.5230% | 4,688 |
| Pretax return on assets | 0.7467% | 4,376 |
| Return on Equity (ROE) | 4.9845% | 4,511 |
| Retained earnings to average equity (ytd only) | 3.7470% | 3,380 |
| Net charge-offs to loans | 0.1556% | 1,821 |
| Credit loss provision to net charge-offs | 166.6667% | 1,617 |
| Earnings coverage of net charge-offs (x) | 10.4583% | 2,682 |
| Efficiency ratio | 77.3466% | 2,068 |
| Assets per employee ($millions) | 4.8197% | 2,579 |
| Cash dividends to net income (ytd only)* | 24.8276% | 3,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0815% | 4,140 |
| Loan loss allowance to noncurrent loans | 16,700.0000% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 5,711 |
| Noncurrent loans to loans | 0.0065% | 5,520 |
| Net loans and leases to total assets | 52.8218% | 4,620 |
| Net loans and leases to deposits | 58.9928% | 4,845 |
| Net loans and leases to core deposits | 62.0002% | 4,876 |
| Total domestic deposits to total assets | 89.5394% | 831 |
| Equity capital to assets | 10.0560% | 3,897 |
| Core capital (leverage) ratio | 10.0660% | 3,416 |
| Tier 1 risk-based capital ratio | 17.7757% | 2,030 |
| Total risk-based capital ratio | 18.8340% | 2,049 |
| Memoranda: | ||
| Average total assets | $27,722,400 | 5,994 |
| Average earning assets | $25,357,600 | 5,981 |
| Average equity | $2,909,000 | 6,015 |
| Average total loans | $15,424,000 | 5,884 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1733% | 2,670 |
| Cost of funding earning assets | 0.2177% | 5,208 |
| Net interest margin | 3.9556% | 1,856 |
| Noninterest income to average assets | 0.3063% | 4,748 |
| Noninterest expense to average assets | 2.8782% | 2,916 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9529% | 2,700 |
| Return on assets (ROA) | 0.9529% | 2,795 |
| Pretax return on assets | 1.0502% | 3,409 |
| Return on Equity (ROE) | 8.9827% | 2,590 |
| Retained earnings to average equity (ytd only) | 7.3328% | 1,531 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2673% | 2,675 |
| Assets per employee ($millions) | 4.4370% | 3,114 |
| Cash dividends to net income (ytd only)* | 18.3676% | 3,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9631% | 4,925 |
| Loan loss allowance to noncurrent loans | 487.0968% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.1164% | 5,280 |
| Noncurrent loans to loans | 0.1977% | 4,853 |
| Net loans and leases to total assets | 58.3239% | 4,100 |
| Net loans and leases to deposits | 66.0105% | 4,385 |
| Net loans and leases to core deposits | 69.7341% | 4,398 |
| Total domestic deposits to total assets | 88.3555% | 1,373 |
| Equity capital to assets | 11.2426% | 2,754 |
| Core capital (leverage) ratio | 10.6985% | 2,828 |
| Tier 1 risk-based capital ratio | 18.5029% | 1,896 |
| Total risk-based capital ratio | 19.4815% | 1,932 |
| Memoranda: | ||
| Average total assets | $27,423,500 | 6,081 |
| Average earning assets | $25,111,250 | 6,065 |
| Average equity | $2,909,250 | 6,097 |
| Average total loans | $15,419,500 | 5,955 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1772% | 2,630 |
| Cost of funding earning assets | 0.2207% | 5,247 |
| Net interest margin | 3.9565% | 1,785 |
| Noninterest income to average assets | 0.3106% | 4,737 |
| Noninterest expense to average assets | 2.8891% | 2,934 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9534% | 2,614 |
| Return on assets (ROA) | 0.9534% | 2,731 |
| Pretax return on assets | 1.0473% | 3,387 |
| Return on Equity (ROE) | 9.1624% | 2,451 |
| Retained earnings to average equity (ytd only) | 6.6636% | 1,868 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3945% | 2,766 |
| Assets per employee ($millions) | 4.4982% | 2,993 |
| Cash dividends to net income (ytd only)* | 27.2727% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0160% | 4,789 |
| Loan loss allowance to noncurrent loans | 471.8750% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.1186% | 5,390 |
| Noncurrent loans to loans | 0.2153% | 4,911 |
| Net loans and leases to total assets | 54.5074% | 4,503 |
| Net loans and leases to deposits | 61.3112% | 4,747 |
| Net loans and leases to core deposits | 64.6950% | 4,759 |
| Total domestic deposits to total assets | 88.9029% | 1,185 |
| Equity capital to assets | 10.7636% | 3,148 |
| Core capital (leverage) ratio | 10.0995% | 3,462 |
| Tier 1 risk-based capital ratio | 17.8555% | 2,110 |
| Total risk-based capital ratio | 18.8216% | 2,149 |
| Memoranda: | ||
| Average total assets | $27,690,670 | 6,148 |
| Average earning assets | $25,376,000 | 6,123 |
| Average equity | $2,881,330 | 6,162 |
| Average total loans | $15,333,330 | 6,022 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2079% | 2,425 |
| Cost of funding earning assets | 0.2206% | 5,313 |
| Net interest margin | 3.9872% | 1,601 |
| Noninterest income to average assets | 0.2996% | 4,780 |
| Noninterest expense to average assets | 2.9100% | 2,873 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9985% | 2,280 |
| Return on assets (ROA) | 0.9985% | 2,408 |
| Pretax return on assets | 0.9985% | 3,516 |
| Return on Equity (ROE) | 9.7578% | 2,110 |
| Retained earnings to average equity (ytd only) | 4.7395% | 3,196 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4526% | 2,739 |
| Assets per employee ($millions) | 3.9231% | 4,120 |
| Cash dividends to net income (ytd only)* | 51.4286% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9739% | 5,152 |
| Loan loss allowance to noncurrent loans | 37.1921% | 5,368 |
| Noncurrent assets plus other real estate owned to assets | 1.4784% | 1,780 |
| Noncurrent loans to loans | 2.6187% | 911 |
| Net loans and leases to total assets | 55.9063% | 4,213 |
| Net loans and leases to deposits | 62.8423% | 4,495 |
| Net loans and leases to core deposits | 66.2453% | 4,494 |
| Total domestic deposits to total assets | 88.9629% | 1,299 |
| Equity capital to assets | 10.5637% | 3,465 |
| Core capital (leverage) ratio | 9.9039% | 3,739 |
| Tier 1 risk-based capital ratio | 16.7341% | 2,585 |
| Total risk-based capital ratio | 17.6597% | 2,672 |
| Memoranda: | ||
| Average total assets | $28,041,500 | 6,207 |
| Average earning assets | $25,381,000 | 6,190 |
| Average equity | $2,869,500 | 6,224 |
| Average total loans | $15,569,000 | 6,069 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9435% | 3,955 |
| Cost of funding earning assets | 0.2202% | 5,592 |
| Net interest margin | 3.7234% | 2,910 |
| Noninterest income to average assets | 0.3235% | 4,804 |
| Noninterest expense to average assets | 3.1423% | 2,386 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5261% | 4,697 |
| Return on assets (ROA) | 0.5261% | 4,790 |
| Pretax return on assets | 0.6078% | 4,919 |
| Return on Equity (ROE) | 5.4121% | 4,452 |
| Retained earnings to average equity (ytd only) | 4.0957% | 3,286 |
| Net charge-offs to loans | 0.0071% | 4,779 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 171.0000% | 312 |
| Efficiency ratio | 83.7915% | 1,440 |
| Assets per employee ($millions) | 4.0887% | 3,743 |
| Cash dividends to net income (ytd only)* | 24.3243% | 3,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9658% | 5,213 |
| Loan loss allowance to noncurrent loans | 279.6296% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.1887% | 5,274 |
| Noncurrent loans to loans | 0.3454% | 4,621 |
| Net loans and leases to total assets | 54.0966% | 4,566 |
| Net loans and leases to deposits | 60.3579% | 4,873 |
| Net loans and leases to core deposits | 63.4237% | 4,878 |
| Total domestic deposits to total assets | 89.6265% | 914 |
| Equity capital to assets | 9.9158% | 4,218 |
| Core capital (leverage) ratio | 10.0456% | 3,507 |
| Tier 1 risk-based capital ratio | 16.2616% | 2,828 |
| Total risk-based capital ratio | 17.1745% | 2,945 |
| Memoranda: | ||
| Average total assets | $28,132,000 | 6,290 |
| Average earning assets | $25,890,400 | 6,267 |
| Average equity | $2,734,600 | 6,314 |
| Average total loans | $14,039,800 | 6,190 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9064% | 4,154 |
| Cost of funding earning assets | 0.2150% | 5,714 |
| Net interest margin | 3.6914% | 3,064 |
| Noninterest income to average assets | 0.3427% | 4,699 |
| Noninterest expense to average assets | 2.9560% | 2,948 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7521% | 3,661 |
| Return on assets (ROA) | 0.7521% | 3,755 |
| Pretax return on assets | 0.8188% | 4,293 |
| Return on Equity (ROE) | 7.7770% | 3,329 |
| Retained earnings to average equity (ytd only) | 6.0050% | 2,406 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3102% | 2,136 |
| Assets per employee ($millions) | 3.8001% | 4,290 |
| Cash dividends to net income (ytd only)* | 22.7855% | 3,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0891% | 4,800 |
| Loan loss allowance to noncurrent loans | 249.1803% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.2293% | 5,299 |
| Noncurrent loans to loans | 0.4371% | 4,588 |
| Net loans and leases to total assets | 51.8928% | 4,819 |
| Net loans and leases to deposits | 58.3185% | 5,079 |
| Net loans and leases to core deposits | 61.5398% | 5,072 |
| Total domestic deposits to total assets | 88.9816% | 1,250 |
| Equity capital to assets | 10.6049% | 3,427 |
| Core capital (leverage) ratio | 10.1337% | 3,491 |
| Tier 1 risk-based capital ratio | 18.2760% | 2,122 |
| Total risk-based capital ratio | 19.3053% | 2,151 |
| Memoranda: | ||
| Average total assets | $28,009,750 | 6,364 |
| Average earning assets | $26,042,000 | 6,338 |
| Average equity | $2,708,750 | 6,389 |
| Average total loans | $13,641,250 | 6,275 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7964% | 4,542 |
| Cost of funding earning assets | 0.2193% | 5,751 |
| Net interest margin | 3.5771% | 3,455 |
| Noninterest income to average assets | 0.3230% | 4,831 |
| Noninterest expense to average assets | 2.8863% | 3,215 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6952% | 3,867 |
| Return on assets (ROA) | 0.6952% | 3,956 |
| Pretax return on assets | 0.7584% | 4,429 |
| Return on Equity (ROE) | 7.4120% | 3,412 |
| Retained earnings to average equity (ytd only) | 4.7168% | 3,143 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1908% | 2,139 |
| Assets per employee ($millions) | 3.5100% | 4,824 |
| Cash dividends to net income (ytd only)* | 36.3636% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1257% | 4,792 |
| Loan loss allowance to noncurrent loans | 2,533.3333% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.0214% | 6,161 |
| Noncurrent loans to loans | 0.0444% | 5,921 |
| Net loans and leases to total assets | 47.5463% | 5,212 |
| Net loans and leases to deposits | 53.0117% | 5,422 |
| Net loans and leases to core deposits | 55.7966% | 5,428 |
| Total domestic deposits to total assets | 89.6902% | 975 |
| Equity capital to assets | 9.8896% | 4,256 |
| Core capital (leverage) ratio | 9.5034% | 4,327 |
| Tier 1 risk-based capital ratio | 18.0543% | 2,226 |
| Total risk-based capital ratio | 19.0942% | 2,266 |
| Memoranda: | ||
| Average total assets | $28,479,330 | 6,413 |
| Average earning assets | $26,446,000 | 6,389 |
| Average equity | $2,671,330 | 6,450 |
| Average total loans | $13,536,330 | 6,336 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7042% | 4,831 |
| Cost of funding earning assets | 0.2091% | 5,929 |
| Net interest margin | 3.4951% | 3,720 |
| Noninterest income to average assets | 0.2929% | 5,031 |
| Noninterest expense to average assets | 2.9708% | 2,978 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5858% | 4,257 |
| Return on assets (ROA) | 0.5858% | 4,331 |
| Pretax return on assets | 0.5858% | 4,879 |
| Return on Equity (ROE) | 6.4159% | 3,799 |
| Retained earnings to average equity (ytd only) | 0.9166% | 5,230 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5294% | 1,728 |
| Assets per employee ($millions) | 3.4591% | 5,009 |
| Cash dividends to net income (ytd only)* | 85.7143% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1629% | 4,811 |
| Loan loss allowance to noncurrent loans | 78.3505% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 0.7010% | 4,006 |
| Noncurrent loans to loans | 1.4842% | 2,560 |
| Net loans and leases to total assets | 46.6845% | 5,257 |
| Net loans and leases to deposits | 51.7713% | 5,467 |
| Net loans and leases to core deposits | 54.5174% | 5,467 |
| Total domestic deposits to total assets | 90.1745% | 983 |
| Equity capital to assets | 9.5653% | 4,411 |
| Core capital (leverage) ratio | 9.2402% | 4,660 |
| Tier 1 risk-based capital ratio | 18.2081% | 2,204 |
| Total risk-based capital ratio | 19.2796% | 2,261 |
| Memoranda: | ||
| Average total assets | $28,679,000 | 6,477 |
| Average earning assets | $26,780,500 | 6,447 |
| Average equity | $2,618,500 | 6,518 |
| Average total loans | $13,553,000 | 6,398 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8991% | 4,467 |
| Cost of funding earning assets | 0.2831% | 5,738 |
| Net interest margin | 3.6159% | 3,391 |
| Noninterest income to average assets | 0.4050% | 4,409 |
| Noninterest expense to average assets | 3.2179% | 2,363 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3827% | 5,207 |
| Return on assets (ROA) | 0.3827% | 5,319 |
| Pretax return on assets | 0.5091% | 5,181 |
| Return on Equity (ROE) | 3.8989% | 5,158 |
| Retained earnings to average equity (ytd only) | 2.5361% | 4,445 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3410% | 1,383 |
| Assets per employee ($millions) | 3.7106% | 4,455 |
| Cash dividends to net income (ytd only)* | 34.9515% | 3,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0830% | 5,231 |
| Loan loss allowance to noncurrent loans | 760.0000% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.0674% | 6,152 |
| Noncurrent loans to loans | 0.1425% | 5,772 |
| Net loans and leases to total assets | 46.7677% | 5,414 |
| Net loans and leases to deposits | 51.3596% | 5,668 |
| Net loans and leases to core deposits | 53.8247% | 5,685 |
| Total domestic deposits to total assets | 91.0595% | 548 |
| Equity capital to assets | 8.7249% | 5,339 |
| Core capital (leverage) ratio | 9.5063% | 4,254 |
| Tier 1 risk-based capital ratio | 16.6087% | 2,792 |
| Total risk-based capital ratio | 17.5879% | 2,896 |
| Memoranda: | ||
| Average total assets | $26,911,800 | 6,587 |
| Average earning assets | $24,723,800 | 6,561 |
| Average equity | $2,641,800 | 6,596 |
| Average total loans | $12,071,200 | 6,516 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9165% | 4,444 |
| Cost of funding earning assets | 0.2885% | 5,822 |
| Net interest margin | 3.6280% | 3,332 |
| Noninterest income to average assets | 0.4221% | 4,354 |
| Noninterest expense to average assets | 3.1529% | 2,494 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5950% | 4,374 |
| Return on assets (ROA) | 0.5950% | 4,498 |
| Pretax return on assets | 0.5950% | 5,029 |
| Return on Equity (ROE) | 5.8763% | 4,251 |
| Retained earnings to average equity (ytd only) | 4.0682% | 3,796 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1248% | 1,577 |
| Assets per employee ($millions) | 3.2694% | 5,341 |
| Cash dividends to net income (ytd only)* | 30.7692% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1294% | 5,210 |
| Loan loss allowance to noncurrent loans | 41.0811% | 5,596 |
| Noncurrent assets plus other real estate owned to assets | 1.4146% | 2,837 |
| Noncurrent loans to loans | 2.7491% | 1,528 |
| Net loans and leases to total assets | 50.8775% | 5,021 |
| Net loans and leases to deposits | 59.1922% | 5,073 |
| Net loans and leases to core deposits | 62.6389% | 5,051 |
| Total domestic deposits to total assets | 85.9530% | 3,282 |
| Equity capital to assets | 10.1701% | 3,677 |
| Core capital (leverage) ratio | 10.0066% | 3,671 |
| Tier 1 risk-based capital ratio | 18.3942% | 2,176 |
| Total risk-based capital ratio | 19.4732% | 2,203 |
| Memoranda: | ||
| Average total assets | $26,218,500 | 6,675 |
| Average earning assets | $24,034,750 | 6,651 |
| Average equity | $2,654,750 | 6,672 |
| Average total loans | $11,580,250 | 6,607 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8108% | 4,791 |
| Cost of funding earning assets | 0.2944% | 5,872 |
| Net interest margin | 3.5164% | 3,716 |
| Noninterest income to average assets | 0.4497% | 4,163 |
| Noninterest expense to average assets | 3.1936% | 2,369 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4421% | 5,054 |
| Return on assets (ROA) | 0.4421% | 5,216 |
| Pretax return on assets | 0.4421% | 5,539 |
| Return on Equity (ROE) | 4.3724% | 5,062 |
| Retained earnings to average equity (ytd only) | 1.6585% | 5,192 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8407% | 1,236 |
| Assets per employee ($millions) | 3.2033% | 5,469 |
| Cash dividends to net income (ytd only)* | 62.0690% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1983% | 5,004 |
| Loan loss allowance to noncurrent loans | 211.1111% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.2810% | 5,643 |
| Noncurrent loans to loans | 0.5676% | 4,840 |
| Net loans and leases to total assets | 48.9074% | 5,234 |
| Net loans and leases to deposits | 54.3755% | 5,495 |
| Net loans and leases to core deposits | 55.8288% | 5,611 |
| Total domestic deposits to total assets | 89.9438% | 1,059 |
| Equity capital to assets | 9.9274% | 4,005 |
| Core capital (leverage) ratio | 9.7086% | 3,926 |
| Tier 1 risk-based capital ratio | 19.1514% | 1,953 |
| Total risk-based capital ratio | 20.3010% | 1,946 |
| Memoranda: | ||
| Average total assets | $26,239,670 | 6,723 |
| Average earning assets | $23,774,330 | 6,707 |
| Average equity | $2,653,000 | 6,723 |
| Average total loans | $10,954,000 | 6,669 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4610% | 5,807 |
| Cost of funding earning assets | 0.3084% | 5,909 |
| Net interest margin | 3.1526% | 5,084 |
| Noninterest income to average assets | 0.3616% | 4,772 |
| Noninterest expense to average assets | 3.1944% | 2,371 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.0603% | 6,414 |
| Return on assets (ROA) | -0.0603% | 6,467 |
| Pretax return on assets | -0.0603% | 6,451 |
| Return on Equity (ROE) | -0.5910% | 6,469 |
| Retained earnings to average equity (ytd only) | -5.9095% | 6,413 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.9231% | 486 |
| Assets per employee ($millions) | 3.2586% | 5,526 |
| Cash dividends to net income (ytd only)* | -900.0000% | 7,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4620% | 3,963 |
| Loan loss allowance to noncurrent loans | 2,171.4286% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.0307% | 6,516 |
| Noncurrent loans to loans | 0.0673% | 6,275 |
| Net loans and leases to total assets | 39.2996% | 6,052 |
| Net loans and leases to deposits | 44.1138% | 6,196 |
| Net loans and leases to core deposits | 46.6254% | 6,176 |
| Total domestic deposits to total assets | 89.0867% | 1,634 |
| Equity capital to assets | 10.2766% | 3,824 |
| Core capital (leverage) ratio | 9.5277% | 4,029 |
| Tier 1 risk-based capital ratio | 20.0780% | 1,746 |
| Total risk-based capital ratio | 21.3131% | 1,726 |
| Memoranda: | ||
| Average total assets | $26,546,500 | 6,787 |
| Average earning assets | $23,346,000 | 6,781 |
| Average equity | $2,707,500 | 6,783 |
| Average total loans | $10,088,500 | 6,766 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9159% | 5,527 |
| Cost of funding earning assets | 0.4884% | 5,297 |
| Net interest margin | 3.4276% | 4,789 |
| Noninterest income to average assets | 0.3683% | 4,843 |
| Noninterest expense to average assets | 3.1505% | 2,770 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2155% | 5,746 |
| Return on assets (ROA) | 0.2155% | 5,934 |
| Pretax return on assets | 0.2155% | 5,969 |
| Return on Equity (ROE) | 2.0173% | 5,895 |
| Retained earnings to average equity (ytd only) | 0.9170% | 5,412 |
| Net charge-offs to loans | -0.1278% | 6,878 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5972% | 819 |
| Assets per employee ($millions) | 3.3780% | 5,266 |
| Cash dividends to net income (ytd only)* | 54.5455% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5542% | 3,502 |
| Loan loss allowance to noncurrent loans | 1,900.0000% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0333% | 6,574 |
| Noncurrent loans to loans | 0.0818% | 6,278 |
| Net loans and leases to total assets | 35.6276% | 6,457 |
| Net loans and leases to deposits | 39.9403% | 6,553 |
| Net loans and leases to core deposits | 41.9375% | 6,551 |
| Total domestic deposits to total assets | 89.2022% | 1,433 |
| Equity capital to assets | 10.1243% | 4,008 |
| Core capital (leverage) ratio | 9.3674% | 4,307 |
| Tier 1 risk-based capital ratio | 20.4564% | 1,570 |
| Total risk-based capital ratio | 21.6952% | 1,545 |
| Memoranda: | ||
| Average total assets | $25,519,600 | 6,856 |
| Average earning assets | $22,319,000 | 6,859 |
| Average equity | $2,726,400 | 6,839 |
| Average total loans | $10,174,800 | 6,842 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0799% | 5,266 |
| Cost of funding earning assets | 0.5311% | 5,236 |
| Net interest margin | 3.5488% | 4,443 |
| Noninterest income to average assets | 0.3606% | 4,938 |
| Noninterest expense to average assets | 3.1339% | 2,790 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3394% | 5,477 |
| Return on assets (ROA) | 0.3394% | 5,679 |
| Pretax return on assets | 0.3447% | 5,862 |
| Return on Equity (ROE) | 3.1325% | 5,635 |
| Retained earnings to average equity (ytd only) | 1.6641% | 5,500 |
| Net charge-offs to loans | -0.1817% | 6,970 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0915% | 1,033 |
| Assets per employee ($millions) | 3.0724% | 5,921 |
| Cash dividends to net income (ytd only)* | 46.8768% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5222% | 3,852 |
| Loan loss allowance to noncurrent loans | 1,700.0000% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.1180% | 6,425 |
| Noncurrent loans to loans | 0.0895% | 6,391 |
| Net loans and leases to total assets | 40.2701% | 6,256 |
| Net loans and leases to deposits | 45.9048% | 6,391 |
| Net loans and leases to core deposits | 48.7298% | 6,368 |
| Total domestic deposits to total assets | 87.7253% | 2,208 |
| Equity capital to assets | 11.3756% | 2,876 |
| Core capital (leverage) ratio | 10.1943% | 3,291 |
| Tier 1 risk-based capital ratio | 20.1650% | 1,716 |
| Total risk-based capital ratio | 21.3902% | 1,694 |
| Memoranda: | ||
| Average total assets | $25,143,500 | 6,950 |
| Average earning assets | $22,091,500 | 6,951 |
| Average equity | $2,724,000 | 6,928 |
| Average total loans | $10,273,500 | 6,930 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1084% | 5,293 |
| Cost of funding earning assets | 0.5586% | 5,242 |
| Net interest margin | 3.5498% | 4,464 |
| Noninterest income to average assets | 0.3632% | 4,933 |
| Noninterest expense to average assets | 3.0634% | 3,039 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4027% | 5,204 |
| Return on assets (ROA) | 0.4027% | 5,440 |
| Pretax return on assets | 0.4106% | 5,686 |
| Return on Equity (ROE) | 3.7778% | 5,372 |
| Retained earnings to average equity (ytd only) | 1.5556% | 5,426 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1818% | 1,221 |
| Assets per employee ($millions) | 3.0769% | 5,896 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3609% | 4,610 |
| Loan loss allowance to noncurrent loans | 1,263.6364% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.1259% | 6,476 |
| Noncurrent loans to loans | 0.1077% | 6,398 |
| Net loans and leases to total assets | 40.9303% | 6,278 |
| Net loans and leases to deposits | 46.4907% | 6,403 |
| Net loans and leases to core deposits | 49.3365% | 6,379 |
| Total domestic deposits to total assets | 88.0398% | 2,114 |
| Equity capital to assets | 11.1477% | 2,962 |
| Core capital (leverage) ratio | 9.9666% | 3,465 |
| Tier 1 risk-based capital ratio | 19.8086% | 1,753 |
| Total risk-based capital ratio | 20.9078% | 1,765 |
| Memoranda: | ||
| Average total assets | $25,331,670 | 7,002 |
| Average earning assets | $22,198,670 | 7,008 |
| Average equity | $2,700,000 | 6,968 |
| Average total loans | $10,347,670 | 6,985 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2227% | 5,025 |
| Cost of funding earning assets | 0.6032% | 5,097 |
| Net interest margin | 3.6194% | 4,183 |
| Noninterest income to average assets | 0.3114% | 5,391 |
| Noninterest expense to average assets | 3.0206% | 3,177 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4515% | 5,030 |
| Return on assets (ROA) | 0.4515% | 5,221 |
| Pretax return on assets | 0.4671% | 5,531 |
| Return on Equity (ROE) | 4.3316% | 5,126 |
| Retained earnings to average equity (ytd only) | -0.1494% | 6,016 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6071% | 1,421 |
| Assets per employee ($millions) | 2.8484% | 6,436 |
| Cash dividends to net income (ytd only)* | 103.4483% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3287% | 4,892 |
| Loan loss allowance to noncurrent loans | 1,390.0000% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.1170% | 6,592 |
| Noncurrent loans to loans | 0.0956% | 6,521 |
| Net loans and leases to total assets | 40.2637% | 6,330 |
| Net loans and leases to deposits | 45.3216% | 6,475 |
| Net loans and leases to core deposits | 47.9491% | 6,461 |
| Total domestic deposits to total assets | 88.8399% | 1,796 |
| Equity capital to assets | 10.4775% | 3,515 |
| Core capital (leverage) ratio | 9.6309% | 3,871 |
| Tier 1 risk-based capital ratio | 19.7739% | 1,768 |
| Total risk-based capital ratio | 20.8804% | 1,771 |
| Memoranda: | ||
| Average total assets | $25,690,000 | 7,057 |
| Average earning assets | $22,545,000 | 7,058 |
| Average equity | $2,678,000 | 7,025 |
| Average total loans | $10,414,500 | 7,045 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6453% | 4,472 |
| Cost of funding earning assets | 0.7945% | 4,912 |
| Net interest margin | 3.8509% | 3,565 |
| Noninterest income to average assets | 0.4450% | 4,264 |
| Noninterest expense to average assets | 3.4296% | 2,170 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.3593% | 5,036 |
| Return on assets (ROA) | 0.3593% | 5,199 |
| Pretax return on assets | 0.3797% | 5,354 |
| Return on Equity (ROE) | 3.3922% | 5,122 |
| Retained earnings to average equity (ytd only) | 2.2358% | 4,620 |
| Net charge-offs to loans | 0.0089% | 6,303 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 93.0000% | 325 |
| Efficiency ratio | 90.0322% | 1,191 |
| Assets per employee ($millions) | 2.8604% | 6,357 |
| Cash dividends to net income (ytd only)* | 34.0909% | 2,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3407% | 4,706 |
| Loan loss allowance to noncurrent loans | 43.9873% | 5,374 |
| Noncurrent assets plus other real estate owned to assets | 1.3052% | 4,037 |
| Noncurrent loans to loans | 3.0478% | 2,124 |
| Net loans and leases to total assets | 39.7335% | 6,559 |
| Net loans and leases to deposits | 44.7072% | 6,687 |
| Net loans and leases to core deposits | 47.5193% | 6,667 |
| Total domestic deposits to total assets | 88.8751% | 1,618 |
| Equity capital to assets | 10.3713% | 3,688 |
| Core capital (leverage) ratio | 9.7754% | 3,642 |
| Tier 1 risk-based capital ratio | 19.6567% | 1,710 |
| Total risk-based capital ratio | 20.7562% | 1,722 |
| Memoranda: | ||
| Average total assets | $24,493,000 | 7,119 |
| Average earning assets | $21,397,800 | 7,118 |
| Average equity | $2,594,200 | 7,096 |
| Average total loans | $11,236,600 | 7,068 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8088% | 3,988 |
| Cost of funding earning assets | 0.8267% | 4,967 |
| Net interest margin | 3.9821% | 2,995 |
| Noninterest income to average assets | 0.4576% | 4,237 |
| Noninterest expense to average assets | 3.3470% | 2,358 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.5569% | 4,285 |
| Return on assets (ROA) | 0.5569% | 4,460 |
| Pretax return on assets | 0.5900% | 4,844 |
| Return on Equity (ROE) | 5.2290% | 4,434 |
| Retained earnings to average equity (ytd only) | 3.6758% | 4,137 |
| Net charge-offs to loans | -0.0233% | 6,936 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0140% | 1,637 |
| Assets per employee ($millions) | 2.7489% | 6,578 |
| Cash dividends to net income (ytd only)* | 29.7044% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3328% | 4,858 |
| Loan loss allowance to noncurrent loans | 278.4314% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.2870% | 6,341 |
| Noncurrent loans to loans | 0.4787% | 5,892 |
| Net loans and leases to total assets | 42.4899% | 6,468 |
| Net loans and leases to deposits | 48.1473% | 6,616 |
| Net loans and leases to core deposits | 50.9994% | 6,623 |
| Total domestic deposits to total assets | 88.2498% | 1,898 |
| Equity capital to assets | 10.9580% | 3,187 |
| Core capital (leverage) ratio | 10.2427% | 3,137 |
| Tier 1 risk-based capital ratio | 19.6662% | 1,769 |
| Total risk-based capital ratio | 20.7841% | 1,777 |
| Memoranda: | ||
| Average total assets | $24,180,250 | 7,193 |
| Average earning assets | $21,127,250 | 7,197 |
| Average equity | $2,575,250 | 7,170 |
| Average total loans | $11,453,750 | 7,125 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8757% | 3,732 |
| Cost of funding earning assets | 0.8615% | 4,975 |
| Net interest margin | 4.0141% | 2,771 |
| Noninterest income to average assets | 0.4251% | 4,466 |
| Noninterest expense to average assets | 3.5343% | 1,898 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3751% | 5,055 |
| Return on assets (ROA) | 0.3751% | 5,200 |
| Pretax return on assets | 0.4251% | 5,320 |
| Return on Equity (ROE) | 3.5573% | 5,132 |
| Retained earnings to average equity (ytd only) | 1.1858% | 5,385 |
| Net charge-offs to loans | -0.0341% | 6,950 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2632% | 1,301 |
| Assets per employee ($millions) | 2.4228% | 7,003 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2329% | 5,406 |
| Loan loss allowance to noncurrent loans | 1,290.9091% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.1280% | 6,775 |
| Noncurrent loans to loans | 0.0955% | 6,737 |
| Net loans and leases to total assets | 46.9539% | 6,155 |
| Net loans and leases to deposits | 53.0226% | 6,389 |
| Net loans and leases to core deposits | 56.2862% | 6,392 |
| Total domestic deposits to total assets | 88.5546% | 1,815 |
| Equity capital to assets | 10.7685% | 3,206 |
| Core capital (leverage) ratio | 10.1479% | 3,090 |
| Tier 1 risk-based capital ratio | 18.5407% | 1,996 |
| Total risk-based capital ratio | 19.6189% | 2,005 |
| Memoranda: | ||
| Average total assets | $23,993,670 | 7,265 |
| Average earning assets | $21,125,330 | 7,268 |
| Average equity | $2,530,000 | 7,241 |
| Average total loans | $11,720,330 | 7,182 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9268% | 3,438 |
| Cost of funding earning assets | 0.8906% | 4,987 |
| Net interest margin | 4.0362% | 2,537 |
| Noninterest income to average assets | 0.3518% | 5,085 |
| Noninterest expense to average assets | 3.5181% | 1,955 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4021% | 4,937 |
| Return on assets (ROA) | 0.4021% | 5,023 |
| Pretax return on assets | 0.4021% | 5,336 |
| Return on Equity (ROE) | 3.8546% | 4,979 |
| Retained earnings to average equity (ytd only) | -0.9637% | 5,977 |
| Net charge-offs to loans | -0.0677% | 6,979 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7436% | 1,357 |
| Assets per employee ($millions) | 2.3916% | 7,110 |
| Cash dividends to net income (ytd only)* | 125.0000% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1904% | 5,683 |
| Loan loss allowance to noncurrent loans | 14,200.0000% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.0878% | 6,943 |
| Noncurrent loans to loans | 0.0084% | 7,061 |
| Net loans and leases to total assets | 49.2850% | 5,929 |
| Net loans and leases to deposits | 55.2732% | 6,195 |
| Net loans and leases to core deposits | 58.6973% | 6,198 |
| Total domestic deposits to total assets | 89.1662% | 1,663 |
| Equity capital to assets | 10.4365% | 3,251 |
| Core capital (leverage) ratio | 10.0930% | 3,047 |
| Tier 1 risk-based capital ratio | 19.1565% | 1,760 |
| Total risk-based capital ratio | 20.2801% | 1,755 |
| Memoranda: | ||
| Average total assets | $23,876,500 | 7,320 |
| Average earning assets | $21,109,000 | 7,319 |
| Average equity | $2,490,500 | 7,297 |
| Average total loans | $11,821,500 | 7,234 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0524% | 4,309 |
| Cost of funding earning assets | 1.1736% | 4,709 |
| Net interest margin | 3.8789% | 3,598 |
| Noninterest income to average assets | 0.2416% | 6,070 |
| Noninterest expense to average assets | 3.6577% | 1,792 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.0099% | 5,810 |
| Return on assets (ROA) | 0.2666% | 5,213 |
| Pretax return on assets | 0.3374% | 5,120 |
| Return on Equity (ROE) | 2.5349% | 5,163 |
| Retained earnings to average equity (ytd only) | 1.3466% | 4,869 |
| Net charge-offs to loans | -0.0169% | 7,353 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6595% | 784 |
| Assets per employee ($millions) | 2.3837% | 7,147 |
| Cash dividends to net income (ytd only)* | 46.8750% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1952% | 5,542 |
| Loan loss allowance to noncurrent loans | 14,000.0000% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0881% | 7,014 |
| Noncurrent loans to loans | 0.0085% | 7,142 |
| Net loans and leases to total assets | 48.5548% | 6,331 |
| Net loans and leases to deposits | 54.4198% | 6,578 |
| Net loans and leases to core deposits | 58.5314% | 6,516 |
| Total domestic deposits to total assets | 89.2226% | 1,529 |
| Equity capital to assets | 10.4250% | 3,243 |
| Core capital (leverage) ratio | 9.6424% | 3,497 |
| Tier 1 risk-based capital ratio | 19.0547% | 1,707 |
| Total risk-based capital ratio | 20.1539% | 1,711 |
| Memoranda: | ||
| Average total assets | $24,004,000 | 7,372 |
| Average earning assets | $21,217,600 | 7,370 |
| Average equity | $2,524,800 | 7,392 |
| Average total loans | $11,830,600 | 7,314 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0877% | 4,387 |
| Cost of funding earning assets | 1.2093% | 4,812 |
| Net interest margin | 3.8784% | 3,619 |
| Noninterest income to average assets | 0.2329% | 6,221 |
| Noninterest expense to average assets | 3.4101% | 2,267 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.2109% | 5,479 |
| Return on assets (ROA) | 0.5656% | 4,192 |
| Pretax return on assets | 0.6876% | 4,273 |
| Return on Equity (ROE) | 5.3654% | 4,102 |
| Retained earnings to average equity (ytd only) | 3.7874% | 3,801 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0408% | 1,055 |
| Assets per employee ($millions) | 2.3678% | 7,239 |
| Cash dividends to net income (ytd only)* | 29.4118% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1851% | 5,565 |
| Loan loss allowance to noncurrent loans | 405.8824% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.1478% | 6,985 |
| Noncurrent loans to loans | 0.2920% | 6,604 |
| Net loans and leases to total assets | 48.5979% | 6,469 |
| Net loans and leases to deposits | 54.9549% | 6,691 |
| Net loans and leases to core deposits | 58.3667% | 6,707 |
| Total domestic deposits to total assets | 88.4323% | 1,712 |
| Equity capital to assets | 10.9553% | 3,003 |
| Core capital (leverage) ratio | 10.1712% | 3,071 |
| Tier 1 risk-based capital ratio | 19.1441% | 1,719 |
| Total risk-based capital ratio | 20.2159% | 1,722 |
| Memoranda: | ||
| Average total assets | $24,045,750 | 7,472 |
| Average earning assets | $21,279,750 | 7,466 |
| Average equity | $2,534,750 | 7,484 |
| Average total loans | $11,859,750 | 7,407 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0868% | 4,524 |
| Cost of funding earning assets | 1.2459% | 4,857 |
| Net interest margin | 3.8409% | 3,712 |
| Noninterest income to average assets | 0.2234% | 6,320 |
| Noninterest expense to average assets | 3.4342% | 2,182 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.0828% | 5,916 |
| Return on assets (ROA) | 0.0828% | 6,020 |
| Pretax return on assets | 0.1821% | 5,812 |
| Return on Equity (ROE) | 0.7952% | 6,008 |
| Retained earnings to average equity (ytd only) | -1.5905% | 6,083 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9657% | 1,012 |
| Assets per employee ($millions) | 2.4244% | 7,202 |
| Cash dividends to net income (ytd only)* | 300.0000% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1295% | 5,800 |
| Loan loss allowance to noncurrent loans | 43.1250% | 5,446 |
| Noncurrent assets plus other real estate owned to assets | 1.3240% | 4,504 |
| Noncurrent loans to loans | 2.6191% | 3,023 |
| Net loans and leases to total assets | 49.8268% | 6,451 |
| Net loans and leases to deposits | 56.2227% | 6,710 |
| Net loans and leases to core deposits | 60.3638% | 6,686 |
| Total domestic deposits to total assets | 88.6240% | 1,659 |
| Equity capital to assets | 10.5717% | 3,321 |
| Core capital (leverage) ratio | 9.6885% | 3,556 |
| Tier 1 risk-based capital ratio | 18.6161% | 1,801 |
| Total risk-based capital ratio | 19.6988% | 1,817 |
| Memoranda: | ||
| Average total assets | $24,168,330 | 7,530 |
| Average earning assets | $21,349,330 | 7,524 |
| Average equity | $2,515,000 | 7,543 |
| Average total loans | $11,931,330 | 7,462 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0853% | 4,604 |
| Cost of funding earning assets | 1.3233% | 4,668 |
| Net interest margin | 3.7620% | 3,953 |
| Noninterest income to average assets | 0.1989% | 6,540 |
| Noninterest expense to average assets | 3.4976% | 1,988 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.0166% | 6,329 |
| Return on assets (ROA) | -0.0166% | 6,420 |
| Pretax return on assets | 0.0000% | 6,350 |
| Return on Equity (ROE) | -0.1606% | 6,428 |
| Retained earnings to average equity (ytd only) | -4.9779% | 6,588 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 837 |
| Assets per employee ($millions) | 2.4308% | 7,296 |
| Cash dividends to net income (ytd only)* | -3,000.0000% | 7,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1630% | 5,695 |
| Loan loss allowance to noncurrent loans | 140.8163% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.4073% | 6,454 |
| Noncurrent loans to loans | 0.8259% | 5,659 |
| Net loans and leases to total assets | 48.2475% | 6,651 |
| Net loans and leases to deposits | 54.1334% | 6,908 |
| Net loans and leases to core deposits | 57.3637% | 6,915 |
| Total domestic deposits to total assets | 89.1270% | 1,451 |
| Equity capital to assets | 10.2394% | 3,547 |
| Core capital (leverage) ratio | 9.7773% | 3,424 |
| Tier 1 risk-based capital ratio | 19.0223% | 1,717 |
| Total risk-based capital ratio | 20.1337% | 1,707 |
| Memoranda: | ||
| Average total assets | $24,130,500 | 7,621 |
| Average earning assets | $21,159,000 | 7,625 |
| Average equity | $2,491,000 | 7,636 |
| Average total loans | $11,788,000 | 7,560 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8764% | 2,342 |
| Cost of funding earning assets | 1.5991% | 5,033 |
| Net interest margin | 4.2773% | 1,791 |
| Noninterest income to average assets | 0.2879% | 6,050 |
| Noninterest expense to average assets | 3.7211% | 1,859 |
| Loan and lease loss provision to assets | 0.0480% | 7,084 |
| Net operating income to assets | 0.2446% | 4,739 |
| Return on assets (ROA) | 0.5497% | 3,617 |
| Pretax return on assets | 0.7242% | 3,494 |
| Return on Equity (ROE) | 5.0835% | 3,634 |
| Retained earnings to average equity (ytd only) | 3.8732% | 2,499 |
| Net charge-offs to loans | 0.0970% | 6,164 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 7.7273% | 2,088 |
| Efficiency ratio | 90.9382% | 1,639 |
| Assets per employee ($millions) | 2.3953% | 7,356 |
| Cash dividends to net income (ytd only)* | 23.8095% | 3,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1785% | 5,481 |
| Loan loss allowance to noncurrent loans | 418.1818% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.1419% | 7,121 |
| Noncurrent loans to loans | 0.2818% | 6,724 |
| Net loans and leases to total assets | 48.3113% | 6,785 |
| Net loans and leases to deposits | 54.3593% | 7,028 |
| Net loans and leases to core deposits | 64.5183% | 7,061 |
| Total domestic deposits to total assets | 88.8740% | 1,532 |
| Equity capital to assets | 10.4079% | 3,276 |
| Core capital (leverage) ratio | 8.8469% | 4,691 |
| Tier 1 risk-based capital ratio | 19.7231% | 1,510 |
| Total risk-based capital ratio | 20.8605% | 1,499 |
| Memoranda: | ||
| Average total assets | $22,923,200 | 7,704 |
| Average earning assets | $20,386,600 | 7,699 |
| Average equity | $2,478,600 | 7,738 |
| Average total loans | $11,337,600 | 7,641 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9097% | 2,408 |
| Cost of funding earning assets | 1.6602% | 5,107 |
| Net interest margin | 4.2494% | 1,873 |
| Noninterest income to average assets | 0.3059% | 6,035 |
| Noninterest expense to average assets | 3.2883% | 2,960 |
| Loan and lease loss provision to assets | 0.0647% | 6,707 |
| Net operating income to assets | 0.5882% | 3,642 |
| Return on assets (ROA) | 0.5882% | 3,707 |
| Pretax return on assets | 0.7471% | 3,708 |
| Return on Equity (ROE) | 5.3871% | 3,795 |
| Retained earnings to average equity (ytd only) | 3.7709% | 3,174 |
| Net charge-offs to loans | 0.1305% | 5,390 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 12.5426% | 1,750 |
| Efficiency ratio | 80.2009% | 2,812 |
| Assets per employee ($millions) | 2.5554% | 7,134 |
| Cash dividends to net income (ytd only)* | 30.0008% | 2,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2178% | 5,015 |
| Loan loss allowance to noncurrent loans | 87.8981% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 0.6870% | 5,768 |
| Noncurrent loans to loans | 1.3855% | 4,595 |
| Net loans and leases to total assets | 48.6717% | 6,895 |
| Net loans and leases to deposits | 55.3583% | 7,129 |
| Net loans and leases to core deposits | 66.2210% | 7,152 |
| Total domestic deposits to total assets | 87.9212% | 1,696 |
| Equity capital to assets | 11.2440% | 2,799 |
| Core capital (leverage) ratio | 10.2388% | 3,027 |
| Tier 1 risk-based capital ratio | 19.5152% | 1,643 |
| Total risk-based capital ratio | 20.6530% | 1,629 |
| Memoranda: | ||
| Average total assets | $22,665,750 | 7,780 |
| Average earning assets | $20,237,500 | 7,778 |
| Average equity | $2,475,000 | 7,813 |
| Average total loans | $11,244,500 | 7,720 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8644% | 2,742 |
| Cost of funding earning assets | 1.6939% | 5,298 |
| Net interest margin | 4.1704% | 2,093 |
| Noninterest income to average assets | 0.3281% | 5,888 |
| Noninterest expense to average assets | 3.3962% | 2,649 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6296% | 3,553 |
| Return on assets (ROA) | 0.6296% | 3,661 |
| Pretax return on assets | 0.6651% | 4,119 |
| Return on Equity (ROE) | 5.8244% | 3,738 |
| Retained earnings to average equity (ytd only) | 3.3634% | 3,451 |
| Net charge-offs to loans | 0.1783% | 4,460 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 7.5000% | 2,435 |
| Efficiency ratio | 83.6245% | 2,522 |
| Assets per employee ($millions) | 2.5360% | 7,183 |
| Cash dividends to net income (ytd only)* | 42.2535% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1080% | 5,542 |
| Loan loss allowance to noncurrent loans | 65.9794% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 0.9376% | 5,100 |
| Noncurrent loans to loans | 1.6794% | 3,982 |
| Net loans and leases to total assets | 50.0526% | 6,869 |
| Net loans and leases to deposits | 56.6021% | 7,122 |
| Net loans and leases to core deposits | 68.1095% | 7,114 |
| Total domestic deposits to total assets | 88.4288% | 1,559 |
| Equity capital to assets | 10.8088% | 3,107 |
| Core capital (leverage) ratio | 10.3936% | 2,908 |
| Tier 1 risk-based capital ratio | 19.2346% | 1,734 |
| Total risk-based capital ratio | 20.2881% | 1,723 |
| Memoranda: | ||
| Average total assets | $22,554,670 | 7,863 |
| Average earning assets | $20,189,670 | 7,852 |
| Average equity | $2,438,000 | 7,892 |
| Average total loans | $11,215,330 | 7,801 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8634% | 2,972 |
| Cost of funding earning assets | 1.7351% | 5,451 |
| Net interest margin | 4.1283% | 2,176 |
| Noninterest income to average assets | 0.3390% | 5,746 |
| Noninterest expense to average assets | 3.1757% | 3,091 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8385% | 2,958 |
| Return on assets (ROA) | 0.8385% | 3,107 |
| Pretax return on assets | 0.8564% | 3,865 |
| Return on Equity (ROE) | 7.7574% | 3,260 |
| Retained earnings to average equity (ytd only) | 2.8059% | 4,317 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7611% | 3,039 |
| Assets per employee ($millions) | 2.4769% | 7,330 |
| Cash dividends to net income (ytd only)* | 63.8298% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2394% | 4,526 |
| Loan loss allowance to noncurrent loans | 78.4091% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 0.7940% | 5,193 |
| Noncurrent loans to loans | 1.5807% | 3,907 |
| Net loans and leases to total assets | 49.3271% | 6,918 |
| Net loans and leases to deposits | 55.9109% | 7,166 |
| Net loans and leases to core deposits | 66.0936% | 7,236 |
| Total domestic deposits to total assets | 88.2245% | 1,630 |
| Equity capital to assets | 10.9950% | 2,963 |
| Core capital (leverage) ratio | 10.3837% | 3,042 |
| Tier 1 risk-based capital ratio | 19.2673% | 1,760 |
| Total risk-based capital ratio | 20.4163% | 1,743 |
| Memoranda: | ||
| Average total assets | $22,420,000 | 7,912 |
| Average earning assets | $20,056,500 | 7,901 |
| Average equity | $2,423,500 | 7,950 |
| Average total loans | $11,047,000 | 7,857 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2717% | 4,113 |
| Cost of funding earning assets | 2.3159% | 5,079 |
| Net interest margin | 3.9559% | 3,332 |
| Noninterest income to average assets | 0.3001% | 6,316 |
| Noninterest expense to average assets | 3.4515% | 2,521 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.4093% | 5,119 |
| Return on assets (ROA) | 0.4093% | 4,934 |
| Pretax return on assets | 0.4684% | 5,075 |
| Return on Equity (ROE) | 3.9474% | 4,844 |
| Retained earnings to average equity (ytd only) | 2.8947% | 3,377 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0510% | 1,675 |
| Assets per employee ($millions) | 2.5053% | 7,197 |
| Cash dividends to net income (ytd only)* | 26.6667% | 4,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2591% | 4,054 |
| Loan loss allowance to noncurrent loans | 79.3103% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 0.7761% | 4,911 |
| Noncurrent loans to loans | 1.5876% | 3,395 |
| Net loans and leases to total assets | 47.9954% | 7,190 |
| Net loans and leases to deposits | 54.1723% | 7,429 |
| Net loans and leases to core deposits | 62.5188% | 7,495 |
| Total domestic deposits to total assets | 88.5977% | 1,202 |
| Equity capital to assets | 10.6262% | 3,366 |
| Core capital (leverage) ratio | 10.3953% | 3,077 |
| Tier 1 risk-based capital ratio | 19.6794% | 1,669 |
| Total risk-based capital ratio | 20.8623% | 1,639 |
| Memoranda: | ||
| Average total assets | $21,990,400 | 7,946 |
| Average earning assets | $20,122,000 | 7,933 |
| Average equity | $2,280,000 | 8,054 |
| Average total loans | $10,241,000 | 7,925 |