Home > The Farmers State Bank of Turton > Performance and Condition Ratios
The Farmers State Bank of Turton, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5640% | 2,986 |
| Cost of funding earning assets | 1.7998% | 1,247 |
| Net interest margin | 2.7642% | 3,724 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 2.8231% | 1,450 |
| Loan and lease loss provision to assets | -0.1800% | 4,554 |
| Net operating income to assets | 0.0551% | 4,283 |
| Return on assets (ROA) | 0.0744% | 4,301 |
| Pretax return on assets | 0.0496% | 4,311 |
| Return on Equity (ROE) | 0.8100% | 4,277 |
| Retained earnings to average equity (ytd only) | -0.6919% | 4,162 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 105.7792% | 137 |
| Assets per employee ($millions) | 7.1638% | 1,967 |
| Cash dividends to net income (ytd only)* | 185.1852% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7904% | 544 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 35.6800% | 4,169 |
| Net loans and leases to deposits | 43.9044% | 4,107 |
| Net loans and leases to core deposits | 44.9023% | 4,182 |
| Total domestic deposits to total assets | 81.2700% | 3,259 |
| Equity capital to assets | 9.7016% | 2,197 |
| Core capital (leverage) ratio | 11.2534% | 1,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.3040% | 269 |
| Memoranda: | ||
| Average total assets | $36,307,800 | 4,423 |
| Average earning assets | $33,391,800 | 4,391 |
| Average equity | $3,324,400 | 4,404 |
| Average total loans | $12,374,600 | 4,382 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4523% | 3,002 |
| Cost of funding earning assets | 1.5133% | 1,565 |
| Net interest margin | 2.9390% | 3,456 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 2.9279% | 1,179 |
| Loan and lease loss provision to assets | -0.2400% | 4,595 |
| Net operating income to assets | 0.1867% | 4,241 |
| Return on assets (ROA) | 0.2013% | 4,242 |
| Pretax return on assets | 0.1684% | 4,290 |
| Return on Equity (ROE) | 2.2300% | 4,171 |
| Retained earnings to average equity (ytd only) | 0.6896% | 4,011 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 103.2258% | 144 |
| Assets per employee ($millions) | 7.3128% | 1,746 |
| Cash dividends to net income (ytd only)* | 69.0909% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9849% | 398 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 31.6000% | 4,289 |
| Net loans and leases to deposits | 38.3760% | 4,246 |
| Net loans and leases to core deposits | 40.2571% | 4,252 |
| Total domestic deposits to total assets | 82.3500% | 3,152 |
| Equity capital to assets | 8.8119% | 2,531 |
| Core capital (leverage) ratio | 11.3388% | 1,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9859% | 320 |
| Memoranda: | ||
| Average total assets | $36,430,000 | 4,438 |
| Average earning assets | $33,480,000 | 4,414 |
| Average equity | $3,286,750 | 4,423 |
| Average total loans | $12,214,750 | 4,409 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3084% | 3,083 |
| Cost of funding earning assets | 1.3183% | 1,661 |
| Net interest margin | 2.9901% | 3,454 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 2.8803% | 1,259 |
| Loan and lease loss provision to assets | -0.3700% | 4,632 |
| Net operating income to assets | 0.4672% | 3,879 |
| Return on assets (ROA) | 0.4837% | 3,851 |
| Pretax return on assets | 0.4068% | 4,110 |
| Return on Equity (ROE) | 5.3100% | 3,837 |
| Retained earnings to average equity (ytd only) | 3.8036% | 3,252 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 99.2424% | 182 |
| Assets per employee ($millions) | 7.3766% | 1,685 |
| Cash dividends to net income (ytd only)* | 28.4091% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9310% | 472 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 32.2200% | 4,278 |
| Net loans and leases to deposits | 39.0330% | 4,233 |
| Net loans and leases to core deposits | 40.5556% | 4,250 |
| Total domestic deposits to total assets | 82.5500% | 3,130 |
| Equity capital to assets | 9.0909% | 2,449 |
| Core capital (leverage) ratio | 10.8995% | 1,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8381% | 322 |
| Memoranda: | ||
| Average total assets | $36,385,333 | 4,462 |
| Average earning assets | $33,377,000 | 4,437 |
| Average equity | $3,312,667 | 4,451 |
| Average total loans | $12,356,667 | 4,430 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1597% | 3,119 |
| Cost of funding earning assets | 1.1367% | 1,639 |
| Net interest margin | 3.0231% | 3,543 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 2.8005% | 1,436 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3099% | 4,237 |
| Return on assets (ROA) | 0.3210% | 4,175 |
| Pretax return on assets | 0.1107% | 4,397 |
| Return on Equity (ROE) | 3.5200% | 4,114 |
| Retained earnings to average equity (ytd only) | 3.5232% | 3,389 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 96.5649% | 214 |
| Assets per employee ($millions) | 7.2608% | 1,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7858% | 162 |
| Loan loss allowance to noncurrent loans | 15,000.0000% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 3,841 |
| Noncurrent loans to loans | 0.0186% | 3,654 |
| Net loans and leases to total assets | 28.8400% | 4,389 |
| Net loans and leases to deposits | 32.0506% | 4,406 |
| Net loans and leases to core deposits | 33.2096% | 4,409 |
| Total domestic deposits to total assets | 89.9700% | 1,166 |
| Equity capital to assets | 9.2937% | 2,300 |
| Core capital (leverage) ratio | 10.9753% | 1,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2638% | 340 |
| Memoranda: | ||
| Average total assets | $36,136,500 | 4,530 |
| Average earning assets | $33,079,000 | 4,510 |
| Average equity | $3,292,500 | 4,514 |
| Average total loans | $12,476,000 | 4,495 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2554% | 3,698 |
| Cost of funding earning assets | 0.2869% | 2,987 |
| Net interest margin | 2.9685% | 3,524 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 2.4879% | 2,159 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.2276% | 4,431 |
| Return on assets (ROA) | 0.2255% | 4,409 |
| Pretax return on assets | 0.2736% | 4,390 |
| Return on Equity (ROE) | 2.5100% | 4,341 |
| Retained earnings to average equity (ytd only) | -1.7190% | 4,469 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 90.0092% | 304 |
| Assets per employee ($millions) | 7.1938% | 1,829 |
| Cash dividends to net income (ytd only)* | 168.5393% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1152% | 355 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 38.6000% | 4,122 |
| Net loans and leases to deposits | 42.6395% | 4,155 |
| Net loans and leases to core deposits | 44.1866% | 4,170 |
| Total domestic deposits to total assets | 90.5200% | 1,143 |
| Equity capital to assets | 8.9271% | 2,404 |
| Core capital (leverage) ratio | 10.8602% | 1,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1984% | 300 |
| Memoranda: | ||
| Average total assets | $39,471,200 | 4,533 |
| Average earning assets | $35,203,000 | 4,524 |
| Average equity | $3,548,600 | 4,563 |
| Average total loans | $14,612,200 | 4,490 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3397% | 3,073 |
| Cost of funding earning assets | 0.2085% | 3,169 |
| Net interest margin | 3.1312% | 2,826 |
| Noninterest income to average assets | 0.1100% | 4,421 |
| Noninterest expense to average assets | 2.3562% | 2,455 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4090% | 4,226 |
| Return on assets (ROA) | 0.1950% | 4,448 |
| Pretax return on assets | 0.2578% | 4,416 |
| Return on Equity (ROE) | 2.1700% | 4,389 |
| Retained earnings to average equity (ytd only) | -1.9451% | 4,488 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 81.6724% | 672 |
| Assets per employee ($millions) | 7.6810% | 1,499 |
| Cash dividends to net income (ytd only)* | 189.8305% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0243% | 486 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 37.8100% | 4,157 |
| Net loans and leases to deposits | 41.5808% | 4,188 |
| Net loans and leases to core deposits | 43.3977% | 4,187 |
| Total domestic deposits to total assets | 90.9300% | 1,268 |
| Equity capital to assets | 8.5510% | 2,507 |
| Core capital (leverage) ratio | 10.4844% | 2,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7354% | 355 |
| Memoranda: | ||
| Average total assets | $40,346,750 | 4,558 |
| Average earning assets | $35,811,000 | 4,556 |
| Average equity | $3,633,000 | 4,603 |
| Average total loans | $14,719,500 | 4,519 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0234% | 3,498 |
| Cost of funding earning assets | 0.1765% | 3,224 |
| Net interest margin | 2.8468% | 3,302 |
| Noninterest income to average assets | 0.1220% | 4,390 |
| Noninterest expense to average assets | 2.0149% | 3,392 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4927% | 3,913 |
| Return on assets (ROA) | 0.2537% | 4,315 |
| Pretax return on assets | 0.3220% | 4,271 |
| Return on Equity (ROE) | 2.7738% | 4,249 |
| Retained earnings to average equity (ytd only) | -1.2269% | 4,313 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3401% | 1,240 |
| Assets per employee ($millions) | 8.0186% | 1,294 |
| Cash dividends to net income (ytd only)* | 144.2308% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0080% | 543 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 36.5151% | 4,226 |
| Net loans and leases to deposits | 40.0055% | 4,267 |
| Net loans and leases to core deposits | 41.6643% | 4,275 |
| Total domestic deposits to total assets | 91.2753% | 1,115 |
| Equity capital to assets | 8.4878% | 2,774 |
| Core capital (leverage) ratio | 9.8299% | 2,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9758% | 290 |
| Memoranda: | ||
| Average total assets | $40,994,000 | 4,599 |
| Average earning assets | $36,251,000 | 4,610 |
| Average equity | $3,749,333 | 4,634 |
| Average total loans | $14,686,000 | 4,584 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4863% | 4,282 |
| Cost of funding earning assets | 0.1636% | 3,315 |
| Net interest margin | 2.3227% | 4,201 |
| Noninterest income to average assets | 0.1158% | 4,425 |
| Noninterest expense to average assets | 1.9303% | 3,610 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1717% | 4,372 |
| Return on assets (ROA) | 0.1641% | 4,357 |
| Pretax return on assets | 0.2316% | 4,290 |
| Return on Equity (ROE) | 1.7336% | 4,301 |
| Retained earnings to average equity (ytd only) | 1.7336% | 3,622 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8889% | 600 |
| Assets per employee ($millions) | 8.5444% | 1,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4155% | 311 |
| Loan loss allowance to noncurrent loans | 229.0076% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.3066% | 1,892 |
| Noncurrent loans to loans | 1.0548% | 854 |
| Net loans and leases to total assets | 28.3695% | 4,499 |
| Net loans and leases to deposits | 31.0690% | 4,519 |
| Net loans and leases to core deposits | 32.2727% | 4,527 |
| Total domestic deposits to total assets | 91.3113% | 880 |
| Equity capital to assets | 8.5272% | 3,133 |
| Core capital (leverage) ratio | 9.3717% | 2,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4225% | 319 |
| Memoranda: | ||
| Average total assets | $41,444,500 | 4,622 |
| Average earning assets | $36,681,000 | 4,627 |
| Average equity | $3,922,500 | 4,656 |
| Average total loans | $14,559,000 | 4,609 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0382% | 1,268 |
| Cost of funding earning assets | 0.2548% | 2,870 |
| Net interest margin | 3.7835% | 1,044 |
| Noninterest income to average assets | 0.7749% | 1,519 |
| Noninterest expense to average assets | 2.2527% | 2,938 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.7628% | 553 |
| Return on assets (ROA) | 1.6992% | 657 |
| Pretax return on assets | 1.7816% | 950 |
| Return on Equity (ROE) | 15.6837% | 807 |
| Retained earnings to average equity (ytd only) | 7.3666% | 1,773 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9278% | 3,833 |
| Assets per employee ($millions) | 8.0334% | 1,310 |
| Cash dividends to net income (ytd only)* | 53.0303% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7966% | 869 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 40.8246% | 4,044 |
| Net loans and leases to deposits | 45.6883% | 4,110 |
| Net loans and leases to core deposits | 47.6188% | 4,109 |
| Total domestic deposits to total assets | 89.3544% | 1,323 |
| Equity capital to assets | 10.4613% | 2,208 |
| Core capital (leverage) ratio | 9.9244% | 2,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0388% | 306 |
| Memoranda: | ||
| Average total assets | $38,842,000 | 4,671 |
| Average earning assets | $34,148,600 | 4,678 |
| Average equity | $4,208,200 | 4,689 |
| Average total loans | $16,752,000 | 4,619 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2775% | 983 |
| Cost of funding earning assets | 0.2791% | 2,808 |
| Net interest margin | 3.9983% | 800 |
| Noninterest income to average assets | 0.8309% | 1,438 |
| Noninterest expense to average assets | 2.4408% | 2,304 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.8273% | 629 |
| Return on assets (ROA) | 1.8107% | 679 |
| Pretax return on assets | 1.8938% | 960 |
| Return on Equity (ROE) | 16.5643% | 837 |
| Retained earnings to average equity (ytd only) | 8.2346% | 1,979 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0859% | 3,515 |
| Assets per employee ($millions) | 8.1998% | 1,175 |
| Cash dividends to net income (ytd only)* | 50.2868% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6457% | 1,232 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 43.7303% | 3,973 |
| Net loans and leases to deposits | 48.9275% | 4,066 |
| Net loans and leases to core deposits | 51.3490% | 4,068 |
| Total domestic deposits to total assets | 89.3778% | 1,083 |
| Equity capital to assets | 10.3051% | 2,607 |
| Core capital (leverage) ratio | 10.0693% | 2,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1792% | 418 |
| Memoranda: | ||
| Average total assets | $38,510,750 | 4,747 |
| Average earning assets | $33,913,250 | 4,750 |
| Average equity | $4,209,750 | 4,757 |
| Average total loans | $16,765,500 | 4,688 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8447% | 442 |
| Cost of funding earning assets | 0.2889% | 2,884 |
| Net interest margin | 4.5558% | 325 |
| Noninterest income to average assets | 1.2048% | 797 |
| Noninterest expense to average assets | 2.4946% | 2,162 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.6454% | 183 |
| Return on assets (ROA) | 2.7175% | 172 |
| Pretax return on assets | 2.8024% | 233 |
| Return on Equity (ROE) | 24.3539% | 217 |
| Retained earnings to average equity (ytd only) | 16.0298% | 337 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7642% | 4,404 |
| Assets per employee ($millions) | 6.9585% | 1,838 |
| Cash dividends to net income (ytd only)* | 34.1797% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7677% | 937 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 39.9296% | 4,290 |
| Net loans and leases to deposits | 44.6537% | 4,363 |
| Net loans and leases to core deposits | 51.1443% | 4,177 |
| Total domestic deposits to total assets | 89.4206% | 1,067 |
| Equity capital to assets | 10.3015% | 2,574 |
| Core capital (leverage) ratio | 10.3723% | 2,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3121% | 464 |
| Memoranda: | ||
| Average total assets | $37,681,333 | 4,785 |
| Average earning assets | $33,232,333 | 4,789 |
| Average equity | $4,204,667 | 4,789 |
| Average total loans | $16,277,667 | 4,733 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3352% | 224 |
| Cost of funding earning assets | 0.3295% | 2,711 |
| Net interest margin | 5.0057% | 188 |
| Noninterest income to average assets | 2.4238% | 279 |
| Noninterest expense to average assets | 2.5697% | 1,958 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 4.2035% | 69 |
| Return on assets (ROA) | 4.5334% | 68 |
| Pretax return on assets | 4.6232% | 81 |
| Return on Equity (ROE) | 38.8789% | 69 |
| Retained earnings to average equity (ytd only) | 30.4102% | 74 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.4795% | 4,819 |
| Assets per employee ($millions) | 6.5912% | 2,103 |
| Cash dividends to net income (ytd only)* | 21.7822% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9243% | 709 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 38.6629% | 4,399 |
| Net loans and leases to deposits | 43.5687% | 4,440 |
| Net loans and leases to core deposits | 46.5293% | 4,421 |
| Total domestic deposits to total assets | 88.7400% | 1,475 |
| Equity capital to assets | 10.8023% | 2,009 |
| Core capital (leverage) ratio | 11.9297% | 1,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1085% | 321 |
| Memoranda: | ||
| Average total assets | $35,646,500 | 4,827 |
| Average earning assets | $31,564,000 | 4,824 |
| Average equity | $4,156,500 | 4,816 |
| Average total loans | $15,931,000 | 4,763 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8175% | 714 |
| Cost of funding earning assets | 0.6909% | 1,765 |
| Net interest margin | 4.1266% | 746 |
| Noninterest income to average assets | 0.2638% | 3,896 |
| Noninterest expense to average assets | 2.4754% | 2,925 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.2479% | 1,387 |
| Return on assets (ROA) | 1.3647% | 1,187 |
| Pretax return on assets | 1.4755% | 1,422 |
| Return on Equity (ROE) | 10.7806% | 1,711 |
| Retained earnings to average equity (ytd only) | 1.7753% | 3,912 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7359% | 2,715 |
| Assets per employee ($millions) | 5.2910% | 3,057 |
| Cash dividends to net income (ytd only)* | 83.5322% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8437% | 793 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.6300% | 1,670 |
| Noncurrent loans to loans | 1.2291% | 1,134 |
| Net loans and leases to total assets | 50.3119% | 3,801 |
| Net loans and leases to deposits | 57.8591% | 3,897 |
| Net loans and leases to core deposits | 62.9389% | 3,771 |
| Total domestic deposits to total assets | 86.9558% | 1,962 |
| Equity capital to assets | 12.7292% | 1,212 |
| Core capital (leverage) ratio | 12.2149% | 1,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6641% | 364 |
| Memoranda: | ||
| Average total assets | $30,702,200 | 4,868 |
| Average earning assets | $26,487,000 | 4,871 |
| Average equity | $3,886,600 | 4,852 |
| Average total loans | $17,192,400 | 4,766 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9944% | 613 |
| Cost of funding earning assets | 0.7512% | 1,738 |
| Net interest margin | 4.2432% | 669 |
| Noninterest income to average assets | 0.2628% | 3,896 |
| Noninterest expense to average assets | 2.4177% | 3,087 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.3814% | 1,150 |
| Return on assets (ROA) | 1.3008% | 1,450 |
| Pretax return on assets | 1.4191% | 1,670 |
| Return on Equity (ROE) | 10.2908% | 1,910 |
| Retained earnings to average equity (ytd only) | -1.8364% | 4,693 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6071% | 3,135 |
| Assets per employee ($millions) | 5.0433% | 3,193 |
| Cash dividends to net income (ytd only)* | 117.8451% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6034% | 1,091 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 60.8394% | 3,125 |
| Net loans and leases to deposits | 70.6609% | 3,249 |
| Net loans and leases to core deposits | 77.1972% | 3,078 |
| Total domestic deposits to total assets | 86.1005% | 2,020 |
| Equity capital to assets | 13.0370% | 1,168 |
| Core capital (leverage) ratio | 12.3442% | 1,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0017% | 451 |
| Memoranda: | ||
| Average total assets | $30,441,250 | 4,898 |
| Average earning assets | $26,269,000 | 4,904 |
| Average equity | $3,848,000 | 4,878 |
| Average total loans | $17,422,500 | 4,795 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9004% | 973 |
| Cost of funding earning assets | 0.7738% | 1,971 |
| Net interest margin | 4.1267% | 1,065 |
| Noninterest income to average assets | 0.2820% | 3,778 |
| Noninterest expense to average assets | 2.3409% | 3,425 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.3625% | 1,195 |
| Return on assets (ROA) | 1.2917% | 1,490 |
| Pretax return on assets | 1.4294% | 1,643 |
| Return on Equity (ROE) | 9.8730% | 2,023 |
| Retained earnings to average equity (ytd only) | 1.1026% | 4,079 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8177% | 3,304 |
| Assets per employee ($millions) | 5.9948% | 2,189 |
| Cash dividends to net income (ytd only)* | 88.8325% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5897% | 1,032 |
| Loan loss allowance to noncurrent loans | 225.5639% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.4437% | 2,539 |
| Noncurrent loans to loans | 0.7047% | 2,118 |
| Net loans and leases to total assets | 61.9604% | 3,133 |
| Net loans and leases to deposits | 71.9594% | 3,265 |
| Net loans and leases to core deposits | 78.6682% | 3,056 |
| Total domestic deposits to total assets | 86.1046% | 1,968 |
| Equity capital to assets | 13.4350% | 1,000 |
| Core capital (leverage) ratio | 12.6419% | 1,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4733% | 474 |
| Memoranda: | ||
| Average total assets | $30,501,667 | 4,923 |
| Average earning assets | $26,365,000 | 4,932 |
| Average equity | $3,990,667 | 4,896 |
| Average total loans | $16,993,333 | 4,828 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7098% | 1,683 |
| Cost of funding earning assets | 0.8577% | 2,072 |
| Net interest margin | 3.8521% | 1,816 |
| Noninterest income to average assets | 0.2730% | 3,896 |
| Noninterest expense to average assets | 2.2753% | 3,827 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1166% | 1,794 |
| Return on assets (ROA) | 1.0401% | 2,134 |
| Pretax return on assets | 1.2351% | 2,084 |
| Return on Equity (ROE) | 8.0554% | 2,496 |
| Retained earnings to average equity (ytd only) | 8.0554% | 1,217 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1769% | 3,344 |
| Assets per employee ($millions) | 5.9714% | 1,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9587% | 538 |
| Loan loss allowance to noncurrent loans | 131.5789% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 0.7636% | 1,769 |
| Noncurrent loans to loans | 1.4886% | 1,073 |
| Net loans and leases to total assets | 50.2931% | 4,229 |
| Net loans and leases to deposits | 58.3418% | 4,274 |
| Net loans and leases to core deposits | 63.7703% | 4,183 |
| Total domestic deposits to total assets | 86.2042% | 1,918 |
| Equity capital to assets | 13.3737% | 1,272 |
| Core capital (leverage) ratio | 12.4388% | 1,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7242% | 459 |
| Memoranda: | ||
| Average total assets | $30,765,500 | 4,963 |
| Average earning assets | $26,583,000 | 4,972 |
| Average equity | $3,972,500 | 4,941 |
| Average total loans | $16,054,000 | 4,883 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2782% | 854 |
| Cost of funding earning assets | 0.9386% | 2,017 |
| Net interest margin | 4.3396% | 1,002 |
| Noninterest income to average assets | 0.2625% | 4,108 |
| Noninterest expense to average assets | 2.3304% | 3,870 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.6269% | 785 |
| Return on assets (ROA) | 1.5813% | 928 |
| Pretax return on assets | 1.6581% | 1,312 |
| Return on Equity (ROE) | 13.0171% | 1,162 |
| Retained earnings to average equity (ytd only) | 5.7708% | 1,990 |
| Net charge-offs to loans | -0.0113% | 4,503 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7320% | 4,007 |
| Assets per employee ($millions) | 6.3348% | 1,394 |
| Cash dividends to net income (ytd only)* | 55.6680% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7866% | 676 |
| Loan loss allowance to noncurrent loans | 400.0000% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.2368% | 3,496 |
| Noncurrent loans to loans | 0.4466% | 2,840 |
| Net loans and leases to total assets | 52.0679% | 4,222 |
| Net loans and leases to deposits | 59.7666% | 4,303 |
| Net loans and leases to core deposits | 64.8959% | 4,243 |
| Total domestic deposits to total assets | 87.1188% | 1,551 |
| Equity capital to assets | 12.4771% | 1,828 |
| Core capital (leverage) ratio | 12.1993% | 1,659 |
| Tier 1 risk-based capital ratio | 21.6951% | 1,061 |
| Total risk-based capital ratio | 23.1532% | 1,014 |
| Memoranda: | ||
| Average total assets | $31,239,800 | 5,013 |
| Average earning assets | $27,168,600 | 5,021 |
| Average equity | $3,795,000 | 5,010 |
| Average total loans | $17,675,400 | 4,910 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3353% | 802 |
| Cost of funding earning assets | 0.9540% | 1,977 |
| Net interest margin | 4.3813% | 986 |
| Noninterest income to average assets | 0.2570% | 4,201 |
| Noninterest expense to average assets | 2.3213% | 3,895 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6632% | 804 |
| Return on assets (ROA) | 1.6103% | 946 |
| Pretax return on assets | 1.6960% | 1,343 |
| Return on Equity (ROE) | 13.3481% | 1,161 |
| Retained earnings to average equity (ytd only) | 6.3545% | 2,196 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9926% | 4,065 |
| Assets per employee ($millions) | 6.1682% | 1,478 |
| Cash dividends to net income (ytd only)* | 52.3937% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6667% | 871 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.4831% | 2,592 |
| Noncurrent loans to loans | 0.8333% | 1,907 |
| Net loans and leases to total assets | 57.0085% | 3,964 |
| Net loans and leases to deposits | 65.7197% | 4,083 |
| Net loans and leases to core deposits | 72.2528% | 3,933 |
| Total domestic deposits to total assets | 86.7449% | 1,653 |
| Equity capital to assets | 12.6390% | 1,817 |
| Core capital (leverage) ratio | 12.0925% | 1,796 |
| Tier 1 risk-based capital ratio | 20.8936% | 1,204 |
| Total risk-based capital ratio | 22.3571% | 1,163 |
| Memoranda: | ||
| Average total assets | $31,131,250 | 5,089 |
| Average earning assets | $27,114,250 | 5,098 |
| Average equity | $3,755,750 | 5,087 |
| Average total loans | $17,896,250 | 4,980 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1045% | 1,206 |
| Cost of funding earning assets | 0.9254% | 2,030 |
| Net interest margin | 4.1791% | 1,409 |
| Noninterest income to average assets | 0.2562% | 4,221 |
| Noninterest expense to average assets | 2.2992% | 4,005 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4942% | 1,165 |
| Return on assets (ROA) | 1.4346% | 1,383 |
| Pretax return on assets | 1.5371% | 1,737 |
| Return on Equity (ROE) | 12.0809% | 1,546 |
| Retained earnings to average equity (ytd only) | 4.6382% | 2,955 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9491% | 3,874 |
| Assets per employee ($millions) | 6.2928% | 1,339 |
| Cash dividends to net income (ytd only)* | 61.6071% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5623% | 1,114 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 59.6745% | 3,768 |
| Net loans and leases to deposits | 68.2020% | 3,956 |
| Net loans and leases to core deposits | 74.7542% | 3,840 |
| Total domestic deposits to total assets | 87.4968% | 1,342 |
| Equity capital to assets | 12.0264% | 2,163 |
| Core capital (leverage) ratio | 11.8762% | 1,900 |
| Tier 1 risk-based capital ratio | 20.2824% | 1,296 |
| Total risk-based capital ratio | 21.7552% | 1,219 |
| Memoranda: | ||
| Average total assets | $31,228,000 | 5,133 |
| Average earning assets | $27,230,670 | 5,140 |
| Average equity | $3,708,330 | 5,130 |
| Average total loans | $17,901,670 | 5,026 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9334% | 1,514 |
| Cost of funding earning assets | 0.8663% | 2,177 |
| Net interest margin | 4.0671% | 1,650 |
| Noninterest income to average assets | 0.2572% | 4,170 |
| Noninterest expense to average assets | 2.3658% | 3,857 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3102% | 1,661 |
| Return on assets (ROA) | 1.2986% | 1,739 |
| Pretax return on assets | 1.4401% | 1,963 |
| Return on Equity (ROE) | 11.0067% | 1,941 |
| Retained earnings to average equity (ytd only) | 11.0067% | 797 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9529% | 3,541 |
| Assets per employee ($millions) | 6.1640% | 1,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8058% | 705 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 52.5762% | 4,300 |
| Net loans and leases to deposits | 60.1284% | 4,398 |
| Net loans and leases to core deposits | 65.1129% | 4,321 |
| Total domestic deposits to total assets | 87.4400% | 1,592 |
| Equity capital to assets | 12.1999% | 1,904 |
| Core capital (leverage) ratio | 11.8063% | 1,904 |
| Tier 1 risk-based capital ratio | 20.5604% | 1,238 |
| Total risk-based capital ratio | 21.9753% | 1,184 |
| Memoranda: | ||
| Average total assets | $31,110,000 | 5,186 |
| Average earning assets | $27,243,000 | 5,193 |
| Average equity | $3,670,500 | 5,184 |
| Average total loans | $17,315,500 | 5,098 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9582% | 1,135 |
| Cost of funding earning assets | 0.6472% | 2,414 |
| Net interest margin | 4.3110% | 1,127 |
| Noninterest income to average assets | 0.2871% | 4,185 |
| Noninterest expense to average assets | 2.3869% | 3,917 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.6023% | 861 |
| Return on assets (ROA) | 1.5957% | 868 |
| Pretax return on assets | 1.6291% | 1,384 |
| Return on Equity (ROE) | 13.6408% | 1,141 |
| Retained earnings to average equity (ytd only) | 5.7930% | 2,298 |
| Net charge-offs to loans | -0.0866% | 5,114 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3361% | 3,967 |
| Assets per employee ($millions) | 6.2800% | 1,335 |
| Cash dividends to net income (ytd only)* | 57.5314% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6438% | 935 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 56.7866% | 4,069 |
| Net loans and leases to deposits | 64.3092% | 4,239 |
| Net loans and leases to core deposits | 70.5619% | 4,095 |
| Total domestic deposits to total assets | 88.3025% | 1,156 |
| Equity capital to assets | 11.4045% | 2,323 |
| Core capital (leverage) ratio | 12.6878% | 1,386 |
| Tier 1 risk-based capital ratio | 20.1042% | 1,290 |
| Total risk-based capital ratio | 21.4706% | 1,249 |
| Memoranda: | ||
| Average total assets | $29,955,200 | 5,242 |
| Average earning assets | $25,957,000 | 5,247 |
| Average equity | $3,504,200 | 5,238 |
| Average total loans | $17,327,000 | 5,142 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8616% | 1,272 |
| Cost of funding earning assets | 0.6051% | 2,435 |
| Net interest margin | 4.2565% | 1,220 |
| Noninterest income to average assets | 0.2838% | 4,256 |
| Noninterest expense to average assets | 2.4509% | 3,732 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4777% | 1,252 |
| Return on assets (ROA) | 1.4777% | 1,250 |
| Pretax return on assets | 1.5093% | 1,872 |
| Return on Equity (ROE) | 12.5486% | 1,595 |
| Retained earnings to average equity (ytd only) | 4.6674% | 3,410 |
| Net charge-offs to loans | -0.1012% | 5,166 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8885% | 3,529 |
| Assets per employee ($millions) | 5.8342% | 1,618 |
| Cash dividends to net income (ytd only)* | 62.8053% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5613% | 1,170 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 63.9745% | 3,428 |
| Net loans and leases to deposits | 73.1728% | 3,666 |
| Net loans and leases to core deposits | 80.9526% | 3,409 |
| Total domestic deposits to total assets | 87.4293% | 1,532 |
| Equity capital to assets | 12.0908% | 1,841 |
| Core capital (leverage) ratio | 11.9573% | 1,811 |
| Tier 1 risk-based capital ratio | 19.3067% | 1,473 |
| Total risk-based capital ratio | 20.7868% | 1,396 |
| Memoranda: | ||
| Average total assets | $29,594,000 | 5,314 |
| Average earning assets | $25,560,250 | 5,321 |
| Average equity | $3,485,000 | 5,309 |
| Average total loans | $17,126,500 | 5,205 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5837% | 1,829 |
| Cost of funding earning assets | 0.5622% | 2,498 |
| Net interest margin | 4.0214% | 1,784 |
| Noninterest income to average assets | 0.2489% | 4,516 |
| Noninterest expense to average assets | 2.3474% | 4,030 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7869% | 3,898 |
| Return on assets (ROA) | 0.7869% | 3,899 |
| Pretax return on assets | 1.3654% | 2,276 |
| Return on Equity (ROE) | 6.6616% | 4,004 |
| Retained earnings to average equity (ytd only) | -1.1957% | 5,092 |
| Net charge-offs to loans | -0.0121% | 4,376 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2246% | 3,431 |
| Assets per employee ($millions) | 5.8584% | 1,590 |
| Cash dividends to net income (ytd only)* | 117.9487% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6066% | 1,091 |
| Loan loss allowance to noncurrent loans | 2,366.6667% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.0410% | 4,822 |
| Noncurrent loans to loans | 0.0679% | 4,617 |
| Net loans and leases to total assets | 59.3780% | 3,864 |
| Net loans and leases to deposits | 67.5666% | 4,045 |
| Net loans and leases to core deposits | 75.6316% | 3,769 |
| Total domestic deposits to total assets | 87.8807% | 1,441 |
| Equity capital to assets | 11.7950% | 1,996 |
| Core capital (leverage) ratio | 11.6891% | 1,914 |
| Tier 1 risk-based capital ratio | 20.2515% | 1,281 |
| Total risk-based capital ratio | 21.7135% | 1,230 |
| Memoranda: | ||
| Average total assets | $29,735,330 | 5,377 |
| Average earning assets | $25,612,670 | 5,383 |
| Average equity | $3,512,670 | 5,367 |
| Average total loans | $16,516,000 | 5,283 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2051% | 2,865 |
| Cost of funding earning assets | 0.5256% | 2,584 |
| Net interest margin | 3.6794% | 2,885 |
| Noninterest income to average assets | 0.2537% | 4,488 |
| Noninterest expense to average assets | 2.2299% | 4,346 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.0534% | 5,356 |
| Return on assets (ROA) | 0.0534% | 5,352 |
| Pretax return on assets | 1.2017% | 2,743 |
| Return on Equity (ROE) | 0.4518% | 5,350 |
| Retained earnings to average equity (ytd only) | 0.4518% | 4,731 |
| Net charge-offs to loans | -0.0251% | 4,664 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9805% | 3,319 |
| Assets per employee ($millions) | 5.9332% | 1,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8621% | 701 |
| Loan loss allowance to noncurrent loans | 2,366.6667% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 4,910 |
| Noncurrent loans to loans | 0.0787% | 4,630 |
| Net loans and leases to total assets | 50.4551% | 4,529 |
| Net loans and leases to deposits | 57.3574% | 4,622 |
| Net loans and leases to core deposits | 63.7397% | 4,442 |
| Total domestic deposits to total assets | 87.9660% | 1,638 |
| Equity capital to assets | 11.7980% | 1,916 |
| Core capital (leverage) ratio | 11.4144% | 2,076 |
| Tier 1 risk-based capital ratio | 20.4947% | 1,262 |
| Total risk-based capital ratio | 21.9931% | 1,216 |
| Memoranda: | ||
| Average total assets | $29,957,000 | 5,433 |
| Average earning assets | $25,873,500 | 5,440 |
| Average equity | $3,541,500 | 5,416 |
| Average total loans | $15,935,500 | 5,357 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4887% | 1,743 |
| Cost of funding earning assets | 0.4430% | 2,846 |
| Net interest margin | 4.0456% | 1,600 |
| Noninterest income to average assets | 0.2962% | 4,331 |
| Noninterest expense to average assets | 2.4414% | 3,963 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.3654% | 1,083 |
| Return on assets (ROA) | 1.3654% | 1,104 |
| Pretax return on assets | 1.3995% | 1,989 |
| Return on Equity (ROE) | 11.7430% | 1,278 |
| Retained earnings to average equity (ytd only) | 4.4219% | 2,506 |
| Net charge-offs to loans | -0.0347% | 5,091 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5638% | 3,669 |
| Assets per employee ($millions) | 6.0496% | 1,484 |
| Cash dividends to net income (ytd only)* | 62.3441% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7029% | 945 |
| Loan loss allowance to noncurrent loans | 277.4510% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.3372% | 3,515 |
| Noncurrent loans to loans | 0.6138% | 2,697 |
| Net loans and leases to total assets | 54.0069% | 4,365 |
| Net loans and leases to deposits | 61.6360% | 4,480 |
| Net loans and leases to core deposits | 67.5153% | 4,330 |
| Total domestic deposits to total assets | 87.6223% | 1,689 |
| Equity capital to assets | 11.8454% | 1,943 |
| Core capital (leverage) ratio | 11.8825% | 1,676 |
| Tier 1 risk-based capital ratio | 19.6491% | 1,391 |
| Total risk-based capital ratio | 21.2456% | 1,284 |
| Memoranda: | ||
| Average total assets | $29,367,800 | 5,498 |
| Average earning assets | $25,731,400 | 5,498 |
| Average equity | $3,414,800 | 5,489 |
| Average total loans | $17,303,800 | 5,377 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4386% | 1,828 |
| Cost of funding earning assets | 0.4371% | 2,838 |
| Net interest margin | 4.0015% | 1,696 |
| Noninterest income to average assets | 0.3156% | 4,279 |
| Noninterest expense to average assets | 2.4610% | 3,848 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3357% | 1,235 |
| Return on assets (ROA) | 1.3357% | 1,264 |
| Pretax return on assets | 1.3723% | 2,208 |
| Return on Equity (ROE) | 11.5431% | 1,475 |
| Retained earnings to average equity (ytd only) | 1.6604% | 4,763 |
| Net charge-offs to loans | -0.0382% | 5,080 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2005% | 3,506 |
| Assets per employee ($millions) | 5.6880% | 1,733 |
| Cash dividends to net income (ytd only)* | 85.6185% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4998% | 1,533 |
| Loan loss allowance to noncurrent loans | 2,350.0000% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.0422% | 5,023 |
| Noncurrent loans to loans | 0.0638% | 4,823 |
| Net loans and leases to total assets | 65.1195% | 3,228 |
| Net loans and leases to deposits | 74.8585% | 3,489 |
| Net loans and leases to core deposits | 90.9716% | 2,532 |
| Total domestic deposits to total assets | 86.9902% | 1,878 |
| Equity capital to assets | 12.2539% | 1,804 |
| Core capital (leverage) ratio | 11.8046% | 1,819 |
| Tier 1 risk-based capital ratio | 19.3908% | 1,502 |
| Total risk-based capital ratio | 20.9310% | 1,400 |
| Memoranda: | ||
| Average total assets | $29,147,750 | 5,560 |
| Average earning assets | $25,623,000 | 5,561 |
| Average equity | $3,372,750 | 5,557 |
| Average total loans | $17,475,000 | 5,432 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2648% | 2,238 |
| Cost of funding earning assets | 0.4374% | 2,727 |
| Net interest margin | 3.8274% | 2,184 |
| Noninterest income to average assets | 0.3131% | 4,295 |
| Noninterest expense to average assets | 2.4163% | 4,004 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1979% | 1,603 |
| Return on assets (ROA) | 1.1979% | 1,640 |
| Pretax return on assets | 1.2320% | 2,650 |
| Return on Equity (ROE) | 10.5537% | 1,811 |
| Retained earnings to average equity (ytd only) | -4.4373% | 5,509 |
| Net charge-offs to loans | -0.0235% | 4,834 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2313% | 3,313 |
| Assets per employee ($millions) | 5.8408% | 1,587 |
| Cash dividends to net income (ytd only)* | 142.0455% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5476% | 1,405 |
| Loan loss allowance to noncurrent loans | 2,146.1538% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.0445% | 5,057 |
| Noncurrent loans to loans | 0.0721% | 4,842 |
| Net loans and leases to total assets | 60.7759% | 3,763 |
| Net loans and leases to deposits | 69.2104% | 3,967 |
| Net loans and leases to core deposits | 83.4540% | 3,126 |
| Total domestic deposits to total assets | 87.8133% | 1,554 |
| Equity capital to assets | 11.5327% | 2,298 |
| Core capital (leverage) ratio | 11.4436% | 2,006 |
| Tier 1 risk-based capital ratio | 18.7846% | 1,642 |
| Total risk-based capital ratio | 20.3298% | 1,529 |
| Memoranda: | ||
| Average total assets | $29,383,670 | 5,603 |
| Average earning assets | $25,605,000 | 5,607 |
| Average equity | $3,335,330 | 5,605 |
| Average total loans | $17,032,670 | 5,485 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0800% | 2,724 |
| Cost of funding earning assets | 0.4064% | 2,931 |
| Net interest margin | 3.6735% | 2,586 |
| Noninterest income to average assets | 0.3257% | 4,211 |
| Noninterest expense to average assets | 2.2936% | 4,422 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1807% | 1,551 |
| Return on assets (ROA) | 1.1807% | 1,594 |
| Pretax return on assets | 1.2214% | 2,508 |
| Return on Equity (ROE) | 10.4851% | 1,746 |
| Retained earnings to average equity (ytd only) | -19.6445% | 5,723 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2510% | 3,626 |
| Assets per employee ($millions) | 5.8308% | 1,620 |
| Cash dividends to net income (ytd only)* | 287.3563% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7584% | 1,038 |
| Loan loss allowance to noncurrent loans | 48.6819% | 4,675 |
| Noncurrent assets plus other real estate owned to assets | 1.9517% | 685 |
| Noncurrent loans to loans | 3.6120% | 324 |
| Net loans and leases to total assets | 53.0836% | 4,414 |
| Net loans and leases to deposits | 60.1992% | 4,551 |
| Net loans and leases to core deposits | 66.1000% | 4,421 |
| Total domestic deposits to total assets | 88.1800% | 1,603 |
| Equity capital to assets | 11.1271% | 2,508 |
| Core capital (leverage) ratio | 10.5321% | 2,868 |
| Tier 1 risk-based capital ratio | 18.4341% | 1,759 |
| Total risk-based capital ratio | 19.9581% | 1,643 |
| Memoranda: | ||
| Average total assets | $29,473,500 | 5,671 |
| Average earning assets | $25,588,500 | 5,676 |
| Average equity | $3,319,000 | 5,666 |
| Average total loans | $16,535,000 | 5,575 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4844% | 1,584 |
| Cost of funding earning assets | 0.4290% | 2,714 |
| Net interest margin | 4.0554% | 1,480 |
| Noninterest income to average assets | 0.3516% | 4,217 |
| Noninterest expense to average assets | 2.3094% | 4,536 |
| Loan and lease loss provision to assets | 0.0689% | 2,979 |
| Net operating income to assets | 1.1478% | 1,707 |
| Return on assets (ROA) | 1.1478% | 1,794 |
| Pretax return on assets | 1.4925% | 1,603 |
| Return on Equity (ROE) | 10.0732% | 1,927 |
| Retained earnings to average equity (ytd only) | 0.9982% | 4,924 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6616% | 4,634 |
| Assets per employee ($millions) | 5.9586% | 1,510 |
| Cash dividends to net income (ytd only)* | 90.0901% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5996% | 1,377 |
| Loan loss allowance to noncurrent loans | 107.3643% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 0.8660% | 2,182 |
| Noncurrent loans to loans | 1.4899% | 1,355 |
| Net loans and leases to total assets | 57.1946% | 4,147 |
| Net loans and leases to deposits | 64.9836% | 4,335 |
| Net loans and leases to core deposits | 71.2017% | 4,135 |
| Total domestic deposits to total assets | 88.0140% | 1,624 |
| Equity capital to assets | 11.3919% | 2,252 |
| Core capital (leverage) ratio | 11.4007% | 2,007 |
| Tier 1 risk-based capital ratio | 18.7468% | 1,670 |
| Total risk-based capital ratio | 20.2317% | 1,565 |
| Memoranda: | ||
| Average total assets | $29,012,400 | 5,725 |
| Average earning assets | $25,176,200 | 5,730 |
| Average equity | $3,305,800 | 5,725 |
| Average total loans | $18,264,600 | 5,569 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4999% | 1,544 |
| Cost of funding earning assets | 0.4319% | 2,717 |
| Net interest margin | 4.0681% | 1,479 |
| Noninterest income to average assets | 0.3562% | 4,240 |
| Noninterest expense to average assets | 2.3411% | 4,431 |
| Loan and lease loss provision to assets | 0.0925% | 2,381 |
| Net operating income to assets | 1.1058% | 1,975 |
| Return on assets (ROA) | 1.1058% | 2,079 |
| Pretax return on assets | 1.4528% | 1,870 |
| Return on Equity (ROE) | 9.7041% | 2,186 |
| Retained earnings to average equity (ytd only) | -2.4767% | 5,628 |
| Net charge-offs to loans | 0.0504% | 2,652 |
| Credit loss provision to net charge-offs | 285.7143% | 1,080 |
| Earnings coverage of net charge-offs (x) | 47.7299% | 1,117 |
| Efficiency ratio | 60.2381% | 4,505 |
| Assets per employee ($millions) | 5.5896% | 1,765 |
| Cash dividends to net income (ytd only)* | 125.5225% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4199% | 2,112 |
| Loan loss allowance to noncurrent loans | 1,500.0000% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.0644% | 5,186 |
| Noncurrent loans to loans | 0.0947% | 4,966 |
| Net loans and leases to total assets | 67.0746% | 2,940 |
| Net loans and leases to deposits | 77.0173% | 3,286 |
| Net loans and leases to core deposits | 85.0043% | 3,038 |
| Total domestic deposits to total assets | 87.0903% | 1,856 |
| Equity capital to assets | 11.9901% | 2,124 |
| Core capital (leverage) ratio | 11.4510% | 2,074 |
| Tier 1 risk-based capital ratio | 18.4923% | 1,793 |
| Total risk-based capital ratio | 19.9143% | 1,715 |
| Memoranda: | ||
| Average total assets | $28,817,250 | 5,789 |
| Average earning assets | $25,007,250 | 5,794 |
| Average equity | $3,283,750 | 5,788 |
| Average total loans | $18,501,500 | 5,614 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3542% | 1,973 |
| Cost of funding earning assets | 0.4267% | 2,764 |
| Net interest margin | 3.9275% | 1,888 |
| Noninterest income to average assets | 0.3504% | 4,272 |
| Noninterest expense to average assets | 2.3156% | 4,566 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1269% | 1,864 |
| Return on assets (ROA) | 1.1269% | 1,976 |
| Pretax return on assets | 1.4498% | 1,838 |
| Return on Equity (ROE) | 10.0572% | 2,023 |
| Retained earnings to average equity (ytd only) | -8.3402% | 5,843 |
| Net charge-offs to loans | -0.0109% | 4,726 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4964% | 4,428 |
| Assets per employee ($millions) | 5.7378% | 1,593 |
| Cash dividends to net income (ytd only)* | 182.9268% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3239% | 2,653 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 67.0292% | 2,933 |
| Net loans and leases to deposits | 76.3004% | 3,347 |
| Net loans and leases to core deposits | 82.9845% | 3,169 |
| Total domestic deposits to total assets | 87.8490% | 1,506 |
| Equity capital to assets | 11.3493% | 2,696 |
| Core capital (leverage) ratio | 11.0738% | 2,360 |
| Tier 1 risk-based capital ratio | 18.1188% | 1,901 |
| Total risk-based capital ratio | 19.4879% | 1,832 |
| Memoranda: | ||
| Average total assets | $29,107,000 | 5,861 |
| Average earning assets | $25,309,000 | 5,863 |
| Average equity | $3,261,330 | 5,858 |
| Average total loans | $18,330,000 | 5,690 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1719% | 2,575 |
| Cost of funding earning assets | 0.4267% | 2,797 |
| Net interest margin | 3.7453% | 2,499 |
| Noninterest income to average assets | 0.3411% | 4,292 |
| Noninterest expense to average assets | 2.2104% | 4,881 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0643% | 2,036 |
| Return on assets (ROA) | 1.0643% | 2,147 |
| Pretax return on assets | 1.3644% | 2,025 |
| Return on Equity (ROE) | 9.5588% | 2,177 |
| Retained earnings to average equity (ytd only) | -27.2059% | 6,011 |
| Net charge-offs to loans | -0.0225% | 4,912 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8321% | 4,471 |
| Assets per employee ($millions) | 5.7842% | 1,595 |
| Cash dividends to net income (ytd only)* | 384.6154% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5628% | 1,740 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 56.1910% | 4,232 |
| Net loans and leases to deposits | 63.6246% | 4,468 |
| Net loans and leases to core deposits | 69.1091% | 4,308 |
| Total domestic deposits to total assets | 88.3164% | 1,458 |
| Equity capital to assets | 10.8779% | 3,074 |
| Core capital (leverage) ratio | 10.5742% | 2,880 |
| Tier 1 risk-based capital ratio | 18.5462% | 1,843 |
| Total risk-based capital ratio | 19.8782% | 1,775 |
| Memoranda: | ||
| Average total assets | $29,316,000 | 5,915 |
| Average earning assets | $25,312,000 | 5,927 |
| Average equity | $3,264,000 | 5,912 |
| Average total loans | $17,751,000 | 5,761 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5903% | 1,363 |
| Cost of funding earning assets | 0.4094% | 3,054 |
| Net interest margin | 4.1808% | 1,208 |
| Noninterest income to average assets | 0.3580% | 4,343 |
| Noninterest expense to average assets | 2.2664% | 4,888 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.4148% | 1,013 |
| Return on assets (ROA) | 1.4148% | 1,049 |
| Pretax return on assets | 1.7832% | 829 |
| Return on Equity (ROE) | 12.6720% | 1,135 |
| Retained earnings to average equity (ytd only) | 6.4450% | 1,571 |
| Net charge-offs to loans | -0.0320% | 5,418 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9657% | 5,346 |
| Assets per employee ($millions) | 5.9422% | 1,425 |
| Cash dividends to net income (ytd only)* | 49.1400% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3531% | 2,656 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 63.0608% | 3,399 |
| Net loans and leases to deposits | 71.8708% | 3,731 |
| Net loans and leases to core deposits | 77.9141% | 3,553 |
| Total domestic deposits to total assets | 87.7419% | 1,776 |
| Equity capital to assets | 11.3830% | 2,461 |
| Core capital (leverage) ratio | 11.1793% | 2,237 |
| Tier 1 risk-based capital ratio | 18.6416% | 1,792 |
| Total risk-based capital ratio | 20.0147% | 1,713 |
| Memoranda: | ||
| Average total assets | $28,767,800 | 5,979 |
| Average earning assets | $25,401,600 | 5,980 |
| Average equity | $3,211,800 | 5,969 |
| Average total loans | $18,729,000 | 5,775 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5546% | 1,440 |
| Cost of funding earning assets | 0.4112% | 3,113 |
| Net interest margin | 4.1434% | 1,295 |
| Noninterest income to average assets | 0.3598% | 4,360 |
| Noninterest expense to average assets | 2.2524% | 4,902 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3832% | 1,147 |
| Return on assets (ROA) | 1.3832% | 1,199 |
| Pretax return on assets | 1.7804% | 931 |
| Return on Equity (ROE) | 12.4528% | 1,250 |
| Retained earnings to average equity (ytd only) | 4.0388% | 3,588 |
| Net charge-offs to loans | -0.0286% | 5,342 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8517% | 5,370 |
| Assets per employee ($millions) | 5.6826% | 1,604 |
| Cash dividends to net income (ytd only)* | 67.5670% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2976% | 3,109 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 68.2645% | 2,640 |
| Net loans and leases to deposits | 78.0743% | 3,092 |
| Net loans and leases to core deposits | 88.8706% | 2,574 |
| Total domestic deposits to total assets | 87.4353% | 1,829 |
| Equity capital to assets | 11.4983% | 2,510 |
| Core capital (leverage) ratio | 10.9564% | 2,536 |
| Tier 1 risk-based capital ratio | 12.8487% | 4,524 |
| Total risk-based capital ratio | 13.9736% | 4,506 |
| Memoranda: | ||
| Average total assets | $28,532,000 | 6,064 |
| Average earning assets | $25,292,250 | 6,063 |
| Average equity | $3,169,250 | 6,055 |
| Average total loans | $18,663,000 | 5,845 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3793% | 1,924 |
| Cost of funding earning assets | 0.4125% | 3,130 |
| Net interest margin | 3.9667% | 1,750 |
| Noninterest income to average assets | 0.3150% | 4,699 |
| Noninterest expense to average assets | 2.2120% | 5,080 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2250% | 1,528 |
| Return on assets (ROA) | 1.2250% | 1,602 |
| Pretax return on assets | 1.6030% | 1,320 |
| Return on Equity (ROE) | 11.1583% | 1,630 |
| Retained earnings to average equity (ytd only) | -1.5940% | 5,781 |
| Net charge-offs to loans | -0.0327% | 5,364 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9817% | 5,223 |
| Assets per employee ($millions) | 5.6374% | 1,628 |
| Cash dividends to net income (ytd only)* | 114.2857% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3187% | 3,140 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 67.4318% | 2,724 |
| Net loans and leases to deposits | 76.7432% | 3,186 |
| Net loans and leases to core deposits | 83.5399% | 3,028 |
| Total domestic deposits to total assets | 87.8667% | 1,717 |
| Equity capital to assets | 11.1647% | 2,705 |
| Core capital (leverage) ratio | 10.7132% | 2,718 |
| Tier 1 risk-based capital ratio | 12.9362% | 4,552 |
| Total risk-based capital ratio | 14.1513% | 4,491 |
| Memoranda: | ||
| Average total assets | $28,571,670 | 6,132 |
| Average earning assets | $25,209,670 | 6,127 |
| Average equity | $3,136,670 | 6,123 |
| Average total loans | $18,333,670 | 5,915 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1344% | 2,692 |
| Cost of funding earning assets | 0.4134% | 3,152 |
| Net interest margin | 3.7209% | 2,551 |
| Noninterest income to average assets | 0.3477% | 4,418 |
| Noninterest expense to average assets | 2.1833% | 5,194 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0291% | 2,136 |
| Return on assets (ROA) | 1.0291% | 2,277 |
| Pretax return on assets | 1.4184% | 1,820 |
| Return on Equity (ROE) | 9.4523% | 2,240 |
| Retained earnings to average equity (ytd only) | -16.0945% | 6,234 |
| Net charge-offs to loans | -0.0448% | 5,465 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6178% | 5,017 |
| Assets per employee ($millions) | 5.8620% | 1,494 |
| Cash dividends to net income (ytd only)* | 270.2703% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4780% | 2,544 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 57.5401% | 4,020 |
| Net loans and leases to deposits | 64.9378% | 4,277 |
| Net loans and leases to core deposits | 70.3881% | 4,120 |
| Total domestic deposits to total assets | 88.6080% | 1,496 |
| Equity capital to assets | 10.4845% | 3,551 |
| Core capital (leverage) ratio | 9.9564% | 3,657 |
| Tier 1 risk-based capital ratio | 16.5856% | 2,649 |
| Total risk-based capital ratio | 18.0059% | 2,528 |
| Memoranda: | ||
| Average total assets | $28,764,000 | 6,194 |
| Average earning assets | $25,155,000 | 6,194 |
| Average equity | $3,131,500 | 6,184 |
| Average total loans | $17,870,000 | 5,985 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5021% | 1,852 |
| Cost of funding earning assets | 0.4148% | 3,544 |
| Net interest margin | 4.0874% | 1,618 |
| Noninterest income to average assets | 0.3447% | 4,637 |
| Noninterest expense to average assets | 2.5587% | 4,368 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0946% | 1,994 |
| Return on assets (ROA) | 1.0946% | 2,049 |
| Pretax return on assets | 1.3931% | 1,908 |
| Return on Equity (ROE) | 10.0911% | 2,078 |
| Retained earnings to average equity (ytd only) | 5.1766% | 2,481 |
| Net charge-offs to loans | -0.0115% | 5,587 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7482% | 4,446 |
| Assets per employee ($millions) | 4.7060% | 2,722 |
| Cash dividends to net income (ytd only)* | 48.7013% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3479% | 3,179 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 65.0623% | 3,037 |
| Net loans and leases to deposits | 74.0110% | 3,436 |
| Net loans and leases to core deposits | 80.5181% | 3,235 |
| Total domestic deposits to total assets | 87.9091% | 1,820 |
| Equity capital to assets | 11.3614% | 2,548 |
| Core capital (leverage) ratio | 10.3616% | 3,099 |
| Tier 1 risk-based capital ratio | 16.9160% | 2,543 |
| Total risk-based capital ratio | 18.1675% | 2,495 |
| Memoranda: | ||
| Average total assets | $28,139,200 | 6,289 |
| Average earning assets | $24,832,600 | 6,278 |
| Average equity | $3,052,200 | 6,263 |
| Average total loans | $17,330,400 | 6,073 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4086% | 2,187 |
| Cost of funding earning assets | 0.4037% | 3,753 |
| Net interest margin | 4.0049% | 1,865 |
| Noninterest income to average assets | 0.3320% | 4,780 |
| Noninterest expense to average assets | 2.5134% | 4,486 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0765% | 2,127 |
| Return on assets (ROA) | 1.0765% | 2,193 |
| Pretax return on assets | 1.3468% | 2,208 |
| Return on Equity (ROE) | 10.0443% | 2,200 |
| Retained earnings to average equity (ytd only) | 3.4070% | 4,197 |
| Net charge-offs to loans | 0.0078% | 4,444 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 284.7068% | 239 |
| Efficiency ratio | 65.1106% | 4,351 |
| Assets per employee ($millions) | 4.1370% | 3,584 |
| Cash dividends to net income (ytd only)* | 66.0808% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2738% | 3,786 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 66.3731% | 2,794 |
| Net loans and leases to deposits | 79.6329% | 2,753 |
| Net loans and leases to core deposits | 88.8586% | 2,341 |
| Total domestic deposits to total assets | 83.3489% | 4,016 |
| Equity capital to assets | 10.7739% | 3,214 |
| Core capital (leverage) ratio | 10.7958% | 2,700 |
| Tier 1 risk-based capital ratio | 16.2211% | 2,946 |
| Total risk-based capital ratio | 17.4747% | 2,902 |
| Memoranda: | ||
| Average total assets | $28,115,000 | 6,363 |
| Average earning assets | $24,769,000 | 6,354 |
| Average equity | $3,013,250 | 6,343 |
| Average total loans | $17,007,500 | 6,151 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2533% | 2,762 |
| Cost of funding earning assets | 0.3859% | 4,040 |
| Net interest margin | 3.8674% | 2,306 |
| Noninterest income to average assets | 0.3162% | 4,880 |
| Noninterest expense to average assets | 2.4359% | 4,782 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0060% | 2,299 |
| Return on assets (ROA) | 1.0060% | 2,365 |
| Pretax return on assets | 1.2647% | 2,394 |
| Return on Equity (ROE) | 9.4033% | 2,416 |
| Retained earnings to average equity (ytd only) | -0.6717% | 5,809 |
| Net charge-offs to loans | 0.0247% | 3,703 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 88.0000% | 615 |
| Efficiency ratio | 65.8252% | 4,388 |
| Assets per employee ($millions) | 4.6348% | 2,722 |
| Cash dividends to net income (ytd only)* | 107.1429% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4446% | 3,132 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 60.5955% | 3,618 |
| Net loans and leases to deposits | 68.6843% | 3,969 |
| Net loans and leases to core deposits | 70.1278% | 4,256 |
| Total domestic deposits to total assets | 88.2232% | 1,773 |
| Equity capital to assets | 10.9101% | 2,967 |
| Core capital (leverage) ratio | 10.5657% | 2,869 |
| Tier 1 risk-based capital ratio | 17.1749% | 2,548 |
| Total risk-based capital ratio | 18.4250% | 2,512 |
| Memoranda: | ||
| Average total assets | $27,833,670 | 6,430 |
| Average earning assets | $24,357,670 | 6,426 |
| Average equity | $2,977,670 | 6,403 |
| Average total loans | $16,187,000 | 6,231 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1536% | 3,061 |
| Cost of funding earning assets | 0.3776% | 4,225 |
| Net interest margin | 3.7760% | 2,567 |
| Noninterest income to average assets | 0.3017% | 4,942 |
| Noninterest expense to average assets | 2.3702% | 5,007 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0486% | 2,012 |
| Return on assets (ROA) | 1.0486% | 2,078 |
| Pretax return on assets | 1.2354% | 2,331 |
| Return on Equity (ROE) | 9.9000% | 2,082 |
| Retained earnings to average equity (ytd only) | -10.4424% | 6,377 |
| Net charge-offs to loans | 0.0763% | 2,387 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 28.6667% | 1,081 |
| Efficiency ratio | 65.7371% | 4,571 |
| Assets per employee ($millions) | 4.7417% | 2,612 |
| Cash dividends to net income (ytd only)* | 205.4795% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6850% | 2,404 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 50.4499% | 4,857 |
| Net loans and leases to deposits | 56.7604% | 5,051 |
| Net loans and leases to core deposits | 57.9264% | 5,208 |
| Total domestic deposits to total assets | 88.8822% | 1,736 |
| Equity capital to assets | 10.2988% | 3,475 |
| Core capital (leverage) ratio | 10.0426% | 3,506 |
| Tier 1 risk-based capital ratio | 17.7221% | 2,402 |
| Total risk-based capital ratio | 18.9739% | 2,371 |
| Memoranda: | ||
| Average total assets | $27,846,000 | 6,497 |
| Average earning assets | $24,364,500 | 6,490 |
| Average equity | $2,949,500 | 6,459 |
| Average total loans | $15,731,500 | 6,319 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4126% | 2,539 |
| Cost of funding earning assets | 0.4311% | 4,310 |
| Net interest margin | 3.9815% | 2,002 |
| Noninterest income to average assets | 0.3727% | 4,649 |
| Noninterest expense to average assets | 2.5499% | 4,612 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9963% | 2,336 |
| Return on assets (ROA) | 0.9963% | 2,412 |
| Pretax return on assets | 1.2989% | 2,158 |
| Return on Equity (ROE) | 9.4070% | 2,367 |
| Retained earnings to average equity (ytd only) | 5.9229% | 2,014 |
| Net charge-offs to loans | -0.0683% | 6,401 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2512% | 4,513 |
| Assets per employee ($millions) | 4.5403% | 2,837 |
| Cash dividends to net income (ytd only)* | 37.0370% | 2,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4765% | 3,302 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 60.9904% | 3,541 |
| Net loans and leases to deposits | 69.2869% | 3,874 |
| Net loans and leases to core deposits | 70.7804% | 4,213 |
| Total domestic deposits to total assets | 88.0258% | 2,162 |
| Equity capital to assets | 10.8986% | 2,708 |
| Core capital (leverage) ratio | 10.7395% | 2,636 |
| Tier 1 risk-based capital ratio | 17.1102% | 2,561 |
| Total risk-based capital ratio | 18.3626% | 2,533 |
| Memoranda: | ||
| Average total assets | $27,099,000 | 6,583 |
| Average earning assets | $23,659,400 | 6,587 |
| Average equity | $2,870,200 | 6,551 |
| Average total loans | $16,117,200 | 6,367 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3215% | 2,900 |
| Cost of funding earning assets | 0.4361% | 4,435 |
| Net interest margin | 3.8854% | 2,327 |
| Noninterest income to average assets | 0.3695% | 4,753 |
| Noninterest expense to average assets | 2.5224% | 4,648 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9410% | 2,635 |
| Return on assets (ROA) | 0.9410% | 2,746 |
| Pretax return on assets | 1.2267% | 2,595 |
| Return on Equity (ROE) | 8.9496% | 2,659 |
| Retained earnings to average equity (ytd only) | 4.2639% | 3,645 |
| Net charge-offs to loans | -0.0670% | 6,394 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2799% | 4,238 |
| Assets per employee ($millions) | 4.4047% | 3,041 |
| Cash dividends to net income (ytd only)* | 52.3561% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4149% | 3,832 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 64.8592% | 2,834 |
| Net loans and leases to deposits | 73.7755% | 3,265 |
| Net loans and leases to core deposits | 76.4268% | 3,576 |
| Total domestic deposits to total assets | 87.9143% | 2,182 |
| Equity capital to assets | 10.8824% | 2,883 |
| Core capital (leverage) ratio | 10.8743% | 2,597 |
| Tier 1 risk-based capital ratio | 16.9220% | 2,744 |
| Total risk-based capital ratio | 18.1770% | 2,704 |
| Memoranda: | ||
| Average total assets | $27,063,250 | 6,659 |
| Average earning assets | $23,540,500 | 6,663 |
| Average equity | $2,845,500 | 6,634 |
| Average total loans | $15,930,500 | 6,440 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1133% | 3,684 |
| Cost of funding earning assets | 0.4374% | 4,576 |
| Net interest margin | 3.6759% | 3,052 |
| Noninterest income to average assets | 0.3593% | 4,819 |
| Noninterest expense to average assets | 2.5151% | 4,670 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8066% | 3,253 |
| Return on assets (ROA) | 0.8066% | 3,408 |
| Pretax return on assets | 1.0486% | 3,298 |
| Return on Equity (ROE) | 7.7592% | 3,210 |
| Retained earnings to average equity (ytd only) | 0.7054% | 5,619 |
| Net charge-offs to loans | -0.0777% | 6,421 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5761% | 3,717 |
| Assets per employee ($millions) | 4.5067% | 2,808 |
| Cash dividends to net income (ytd only)* | 90.9091% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5543% | 3,341 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 57.1524% | 4,116 |
| Net loans and leases to deposits | 64.6422% | 4,417 |
| Net loans and leases to core deposits | 66.8946% | 4,603 |
| Total domestic deposits to total assets | 88.4135% | 1,974 |
| Equity capital to assets | 10.4845% | 3,320 |
| Core capital (leverage) ratio | 10.3134% | 3,085 |
| Tier 1 risk-based capital ratio | 17.3128% | 2,588 |
| Total risk-based capital ratio | 18.5658% | 2,557 |
| Memoranda: | ||
| Average total assets | $27,275,000 | 6,704 |
| Average earning assets | $23,776,670 | 6,706 |
| Average equity | $2,835,330 | 6,685 |
| Average total loans | $15,445,000 | 6,501 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0957% | 3,741 |
| Cost of funding earning assets | 0.4346% | 4,760 |
| Net interest margin | 3.6611% | 3,030 |
| Noninterest income to average assets | 0.3359% | 5,009 |
| Noninterest expense to average assets | 2.5846% | 4,451 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7593% | 3,383 |
| Return on assets (ROA) | 0.7593% | 3,524 |
| Pretax return on assets | 0.9492% | 3,568 |
| Return on Equity (ROE) | 7.3356% | 3,301 |
| Retained earnings to average equity (ytd only) | -6.7713% | 6,462 |
| Net charge-offs to loans | -0.1044% | 6,464 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1405% | 3,421 |
| Assets per employee ($millions) | 4.6870% | 2,675 |
| Cash dividends to net income (ytd only)* | 192.3077% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6753% | 3,112 |
| Loan loss allowance to noncurrent loans | 24,200.0000% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 6,632 |
| Noncurrent loans to loans | 0.0069% | 6,490 |
| Net loans and leases to total assets | 50.5049% | 4,916 |
| Net loans and leases to deposits | 56.7031% | 5,171 |
| Net loans and leases to core deposits | 57.8699% | 5,352 |
| Total domestic deposits to total assets | 89.0691% | 1,645 |
| Equity capital to assets | 10.0028% | 4,147 |
| Core capital (leverage) ratio | 9.9548% | 3,450 |
| Tier 1 risk-based capital ratio | 16.9889% | 2,756 |
| Total risk-based capital ratio | 18.2445% | 2,728 |
| Memoranda: | ||
| Average total assets | $27,392,500 | 6,770 |
| Average earning assets | $23,927,500 | 6,769 |
| Average equity | $2,835,500 | 6,755 |
| Average total loans | $15,318,500 | 6,565 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6608% | 2,749 |
| Cost of funding earning assets | 0.6381% | 4,024 |
| Net interest margin | 4.0227% | 2,305 |
| Noninterest income to average assets | 0.4399% | 4,323 |
| Noninterest expense to average assets | 2.8532% | 3,835 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7950% | 3,310 |
| Return on assets (ROA) | 0.7950% | 3,554 |
| Pretax return on assets | 1.0977% | 3,165 |
| Return on Equity (ROE) | 7.1335% | 3,562 |
| Retained earnings to average equity (ytd only) | 3.5125% | 3,744 |
| Net charge-offs to loans | -0.0607% | 6,737 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2165% | 3,375 |
| Assets per employee ($millions) | 4.4438% | 3,067 |
| Cash dividends to net income (ytd only)* | 50.7614% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4699% | 3,868 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 59.8357% | 3,633 |
| Net loans and leases to deposits | 67.6964% | 4,028 |
| Net loans and leases to core deposits | 69.4195% | 4,383 |
| Total domestic deposits to total assets | 88.3884% | 1,971 |
| Equity capital to assets | 10.7190% | 3,255 |
| Core capital (leverage) ratio | 10.7114% | 2,532 |
| Tier 1 risk-based capital ratio | 16.5575% | 2,860 |
| Total risk-based capital ratio | 17.8078% | 2,833 |
| Memoranda: | ||
| Average total assets | $24,779,600 | 6,877 |
| Average earning assets | $21,627,000 | 6,869 |
| Average equity | $2,761,600 | 6,829 |
| Average total loans | $14,819,000 | 6,668 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7003% | 2,804 |
| Cost of funding earning assets | 0.6903% | 3,849 |
| Net interest margin | 4.0100% | 2,464 |
| Noninterest income to average assets | 0.4552% | 4,245 |
| Noninterest expense to average assets | 2.7205% | 4,287 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8776% | 3,092 |
| Return on assets (ROA) | 0.8776% | 3,333 |
| Pretax return on assets | 1.2396% | 2,825 |
| Return on Equity (ROE) | 7.7929% | 3,371 |
| Retained earnings to average equity (ytd only) | 2.9224% | 4,805 |
| Net charge-offs to loans | -0.0553% | 6,736 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6981% | 3,929 |
| Assets per employee ($millions) | 4.2277% | 3,410 |
| Cash dividends to net income (ytd only)* | 62.4994% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5198% | 3,869 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 60.0331% | 3,779 |
| Net loans and leases to deposits | 68.5205% | 4,094 |
| Net loans and leases to core deposits | 70.3729% | 4,454 |
| Total domestic deposits to total assets | 87.6133% | 2,287 |
| Equity capital to assets | 11.1921% | 3,045 |
| Core capital (leverage) ratio | 11.1949% | 2,212 |
| Tier 1 risk-based capital ratio | 17.6909% | 2,464 |
| Total risk-based capital ratio | 18.9471% | 2,430 |
| Memoranda: | ||
| Average total assets | $24,308,750 | 6,973 |
| Average earning assets | $21,246,500 | 6,968 |
| Average equity | $2,737,500 | 6,919 |
| Average total loans | $14,475,750 | 6,770 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4953% | 3,790 |
| Cost of funding earning assets | 0.7318% | 3,748 |
| Net interest margin | 3.7635% | 3,522 |
| Noninterest income to average assets | 0.5427% | 3,638 |
| Noninterest expense to average assets | 2.8218% | 3,934 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7013% | 3,862 |
| Return on assets (ROA) | 0.7013% | 4,130 |
| Pretax return on assets | 1.0269% | 3,608 |
| Return on Equity (ROE) | 6.2138% | 4,204 |
| Retained earnings to average equity (ytd only) | -1.1836% | 6,238 |
| Net charge-offs to loans | -0.0848% | 6,822 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3189% | 3,188 |
| Assets per employee ($millions) | 4.0403% | 3,787 |
| Cash dividends to net income (ytd only)* | 119.0476% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4758% | 4,133 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 64.7183% | 2,886 |
| Net loans and leases to deposits | 74.5285% | 3,205 |
| Net loans and leases to core deposits | 77.5953% | 3,574 |
| Total domestic deposits to total assets | 86.8369% | 2,871 |
| Equity capital to assets | 11.1459% | 2,967 |
| Core capital (leverage) ratio | 10.1354% | 3,218 |
| Tier 1 risk-based capital ratio | 16.7839% | 2,768 |
| Total risk-based capital ratio | 18.0384% | 2,723 |
| Memoranda: | ||
| Average total assets | $23,956,330 | 7,040 |
| Average earning assets | $21,044,330 | 7,030 |
| Average equity | $2,703,670 | 6,967 |
| Average total loans | $14,146,670 | 6,840 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2224% | 5,027 |
| Cost of funding earning assets | 0.7677% | 3,713 |
| Net interest margin | 3.4547% | 4,892 |
| Noninterest income to average assets | 0.5543% | 3,536 |
| Noninterest expense to average assets | 2.8723% | 3,736 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5543% | 4,566 |
| Return on assets (ROA) | 0.5543% | 4,782 |
| Pretax return on assets | 0.7055% | 4,770 |
| Return on Equity (ROE) | 4.8808% | 4,843 |
| Retained earnings to average equity (ytd only) | -9.9094% | 6,839 |
| Net charge-offs to loans | -0.1207% | 6,857 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2817% | 2,163 |
| Assets per employee ($millions) | 4.1712% | 3,641 |
| Cash dividends to net income (ytd only)* | 303.0303% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8751% | 2,752 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 48.7194% | 5,468 |
| Net loans and leases to deposits | 55.1196% | 5,690 |
| Net loans and leases to core deposits | 57.2737% | 5,791 |
| Total domestic deposits to total assets | 88.3885% | 2,074 |
| Equity capital to assets | 10.7004% | 3,268 |
| Core capital (leverage) ratio | 10.6895% | 2,556 |
| Tier 1 risk-based capital ratio | 18.3623% | 2,182 |
| Total risk-based capital ratio | 19.6183% | 2,151 |
| Memoranda: | ||
| Average total assets | $23,813,500 | 7,102 |
| Average earning assets | $20,841,000 | 7,094 |
| Average equity | $2,704,500 | 7,022 |
| Average total loans | $13,258,000 | 6,926 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0945% | 2,476 |
| Cost of funding earning assets | 0.9599% | 3,647 |
| Net interest margin | 4.1346% | 2,289 |
| Noninterest income to average assets | 0.4820% | 3,984 |
| Noninterest expense to average assets | 2.9708% | 3,699 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.7833% | 3,123 |
| Return on assets (ROA) | 0.7833% | 3,284 |
| Pretax return on assets | 1.0845% | 2,896 |
| Return on Equity (ROE) | 6.3410% | 3,718 |
| Retained earnings to average equity (ytd only) | 0.7129% | 5,516 |
| Net charge-offs to loans | 0.2027% | 4,526 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 8.3571% | 2,163 |
| Efficiency ratio | 73.2571% | 3,348 |
| Assets per employee ($millions) | 3.7667% | 4,396 |
| Cash dividends to net income (ytd only)* | 88.7574% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6253% | 3,489 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 61.3319% | 3,722 |
| Net loans and leases to deposits | 70.4928% | 4,022 |
| Net loans and leases to core deposits | 71.6924% | 4,567 |
| Total domestic deposits to total assets | 87.0044% | 2,761 |
| Equity capital to assets | 12.0841% | 2,056 |
| Core capital (leverage) ratio | 12.1015% | 1,537 |
| Tier 1 risk-based capital ratio | 17.3922% | 2,423 |
| Total risk-based capital ratio | 18.6471% | 2,388 |
| Memoranda: | ||
| Average total assets | $21,576,600 | 7,169 |
| Average earning assets | $18,647,400 | 7,172 |
| Average equity | $2,665,200 | 7,081 |
| Average total loans | $13,811,000 | 6,953 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1528% | 2,377 |
| Cost of funding earning assets | 1.0088% | 3,619 |
| Net interest margin | 4.1440% | 2,293 |
| Noninterest income to average assets | 0.4753% | 4,084 |
| Noninterest expense to average assets | 3.0142% | 3,503 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6691% | 3,775 |
| Return on assets (ROA) | 0.6691% | 3,944 |
| Pretax return on assets | 1.0318% | 3,279 |
| Return on Equity (ROE) | 5.3859% | 4,343 |
| Retained earnings to average equity (ytd only) | -2.1644% | 6,316 |
| Net charge-offs to loans | 0.2717% | 3,740 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 5.8931% | 2,674 |
| Efficiency ratio | 74.4977% | 3,085 |
| Assets per employee ($millions) | 3.5370% | 4,907 |
| Cash dividends to net income (ytd only)* | 140.1935% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6004% | 3,664 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 66.3462% | 2,817 |
| Net loans and leases to deposits | 77.2353% | 3,130 |
| Net loans and leases to core deposits | 78.6548% | 3,808 |
| Total domestic deposits to total assets | 85.9014% | 3,265 |
| Equity capital to assets | 12.7132% | 1,781 |
| Core capital (leverage) ratio | 12.0943% | 1,657 |
| Tier 1 risk-based capital ratio | 17.1498% | 2,587 |
| Total risk-based capital ratio | 18.4045% | 2,545 |
| Memoranda: | ||
| Average total assets | $21,320,750 | 7,246 |
| Average earning assets | $18,371,500 | 7,251 |
| Average equity | $2,648,750 | 7,153 |
| Average total loans | $13,741,250 | 7,031 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0081% | 3,120 |
| Cost of funding earning assets | 1.0320% | 3,730 |
| Net interest margin | 3.9761% | 2,962 |
| Noninterest income to average assets | 0.4683% | 4,127 |
| Noninterest expense to average assets | 3.0440% | 3,461 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5901% | 4,108 |
| Return on assets (ROA) | 0.5901% | 4,240 |
| Pretax return on assets | 0.8523% | 3,825 |
| Return on Equity (ROE) | 4.7866% | 4,552 |
| Retained earnings to average equity (ytd only) | -6.6101% | 6,698 |
| Net charge-offs to loans | 0.4132% | 2,901 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 3.2500% | 3,244 |
| Efficiency ratio | 78.1250% | 2,690 |
| Assets per employee ($millions) | 3.5397% | 4,835 |
| Cash dividends to net income (ytd only)* | 238.0952% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7160% | 3,271 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 61.7572% | 3,940 |
| Net loans and leases to deposits | 71.5158% | 4,199 |
| Net loans and leases to core deposits | 72.8100% | 4,734 |
| Total domestic deposits to total assets | 86.3546% | 3,125 |
| Equity capital to assets | 12.3788% | 1,856 |
| Core capital (leverage) ratio | 12.0246% | 1,579 |
| Tier 1 risk-based capital ratio | 17.6434% | 2,292 |
| Total risk-based capital ratio | 18.8963% | 2,260 |
| Memoranda: | ||
| Average total assets | $21,353,670 | 7,313 |
| Average earning assets | $18,410,000 | 7,321 |
| Average equity | $2,632,330 | 7,218 |
| Average total loans | $13,552,000 | 7,108 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8658% | 3,742 |
| Cost of funding earning assets | 1.0550% | 3,814 |
| Net interest margin | 3.8109% | 3,563 |
| Noninterest income to average assets | 0.4670% | 4,137 |
| Noninterest expense to average assets | 3.1011% | 3,238 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5604% | 4,230 |
| Return on assets (ROA) | 0.5604% | 4,307 |
| Pretax return on assets | 0.6725% | 4,404 |
| Return on Equity (ROE) | 4.5558% | 4,622 |
| Retained earnings to average equity (ytd only) | -18.2232% | 7,124 |
| Net charge-offs to loans | -0.2929% | 7,335 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1782% | 2,199 |
| Assets per employee ($millions) | 3.6975% | 4,545 |
| Cash dividends to net income (ytd only)* | 500.0000% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2073% | 1,947 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 53.3198% | 5,404 |
| Net loans and leases to deposits | 60.9962% | 5,619 |
| Net loans and leases to core deposits | 62.0391% | 5,919 |
| Total domestic deposits to total assets | 87.4149% | 2,704 |
| Equity capital to assets | 11.5078% | 2,257 |
| Core capital (leverage) ratio | 11.5629% | 1,811 |
| Tier 1 risk-based capital ratio | 18.0100% | 2,111 |
| Total risk-based capital ratio | 19.2768% | 2,076 |
| Memoranda: | ||
| Average total assets | $21,411,500 | 7,373 |
| Average earning assets | $18,578,500 | 7,371 |
| Average equity | $2,634,000 | 7,262 |
| Average total loans | $13,655,500 | 7,160 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7222% | 1,491 |
| Cost of funding earning assets | 1.3205% | 3,753 |
| Net interest margin | 4.4017% | 1,467 |
| Noninterest income to average assets | 0.5326% | 3,935 |
| Noninterest expense to average assets | 3.1008% | 3,454 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.8362% | 2,643 |
| Return on assets (ROA) | 0.8362% | 2,789 |
| Pretax return on assets | 1.2144% | 2,176 |
| Return on Equity (ROE) | 6.3411% | 3,425 |
| Retained earnings to average equity (ytd only) | 0.6794% | 5,229 |
| Net charge-offs to loans | -0.0138% | 7,335 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8570% | 3,819 |
| Assets per employee ($millions) | 3.4397% | 5,087 |
| Cash dividends to net income (ytd only)* | 89.2857% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6891% | 3,258 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 72.4780% | 1,990 |
| Net loans and leases to deposits | 84.6663% | 2,344 |
| Net loans and leases to core deposits | 84.6663% | 3,498 |
| Total domestic deposits to total assets | 85.6042% | 3,552 |
| Equity capital to assets | 13.1553% | 1,318 |
| Core capital (leverage) ratio | 13.0999% | 1,097 |
| Tier 1 risk-based capital ratio | 16.7431% | 2,443 |
| Total risk-based capital ratio | 18.0190% | 2,401 |
| Memoranda: | ||
| Average total assets | $20,091,600 | 7,463 |
| Average earning assets | $17,266,200 | 7,470 |
| Average equity | $2,649,400 | 7,364 |
| Average total loans | $14,454,200 | 7,190 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7970% | 1,408 |
| Cost of funding earning assets | 1.3750% | 3,743 |
| Net interest margin | 4.4220% | 1,456 |
| Noninterest income to average assets | 0.5412% | 3,854 |
| Noninterest expense to average assets | 3.1203% | 3,238 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.7750% | 3,113 |
| Return on assets (ROA) | 0.7750% | 3,267 |
| Pretax return on assets | 1.2027% | 2,475 |
| Return on Equity (ROE) | 5.8739% | 3,871 |
| Retained earnings to average equity (ytd only) | -1.7216% | 6,144 |
| Net charge-offs to loans | -0.0280% | 7,396 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1793% | 3,660 |
| Assets per employee ($millions) | 3.2760% | 5,529 |
| Cash dividends to net income (ytd only)* | 129.3159% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9000% | 2,485 |
| Loan loss allowance to noncurrent loans | 2,345.4545% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0560% | 7,206 |
| Noncurrent loans to loans | 0.0810% | 7,035 |
| Net loans and leases to total assets | 67.7707% | 3,275 |
| Net loans and leases to deposits | 79.9052% | 3,472 |
| Net loans and leases to core deposits | 79.9052% | 4,531 |
| Total domestic deposits to total assets | 84.8138% | 3,714 |
| Equity capital to assets | 13.5277% | 1,337 |
| Core capital (leverage) ratio | 12.8617% | 1,281 |
| Tier 1 risk-based capital ratio | 18.0780% | 2,008 |
| Total risk-based capital ratio | 19.3315% | 1,965 |
| Memoranda: | ||
| Average total assets | $19,955,000 | 7,565 |
| Average earning assets | $17,066,000 | 7,567 |
| Average equity | $2,633,000 | 7,462 |
| Average total loans | $14,264,000 | 7,291 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6905% | 1,803 |
| Cost of funding earning assets | 1.3876% | 3,953 |
| Net interest margin | 4.3029% | 1,767 |
| Noninterest income to average assets | 0.5485% | 3,727 |
| Noninterest expense to average assets | 3.1115% | 3,259 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7280% | 3,278 |
| Return on assets (ROA) | 0.7280% | 3,436 |
| Pretax return on assets | 1.1169% | 2,723 |
| Return on Equity (ROE) | 5.5633% | 4,015 |
| Retained earnings to average equity (ytd only) | -5.8682% | 6,644 |
| Net charge-offs to loans | -0.0414% | 7,416 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5849% | 3,546 |
| Assets per employee ($millions) | 3.2508% | 5,551 |
| Cash dividends to net income (ytd only)* | 205.4795% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7857% | 2,765 |
| Loan loss allowance to noncurrent loans | 3,225.0000% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0410% | 7,292 |
| Noncurrent loans to loans | 0.0554% | 7,181 |
| Net loans and leases to total assets | 72.7506% | 2,220 |
| Net loans and leases to deposits | 85.6315% | 2,567 |
| Net loans and leases to core deposits | 87.3177% | 3,646 |
| Total domestic deposits to total assets | 84.9577% | 3,653 |
| Equity capital to assets | 13.4068% | 1,385 |
| Core capital (leverage) ratio | 12.9013% | 1,245 |
| Tier 1 risk-based capital ratio | 17.0936% | 2,242 |
| Total risk-based capital ratio | 18.3508% | 2,193 |
| Memoranda: | ||
| Average total assets | $20,054,670 | 7,627 |
| Average earning assets | $17,151,330 | 7,634 |
| Average equity | $2,624,330 | 7,519 |
| Average total loans | $14,492,330 | 7,336 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6769% | 1,865 |
| Cost of funding earning assets | 1.4020% | 4,160 |
| Net interest margin | 4.2749% | 1,767 |
| Noninterest income to average assets | 0.3738% | 5,148 |
| Noninterest expense to average assets | 3.1285% | 3,150 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5706% | 4,030 |
| Return on assets (ROA) | 0.5706% | 4,174 |
| Pretax return on assets | 0.9051% | 3,453 |
| Return on Equity (ROE) | 4.4123% | 4,701 |
| Retained earnings to average equity (ytd only) | -18.4100% | 7,323 |
| Net charge-offs to loans | -0.0827% | 7,483 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5610% | 2,965 |
| Assets per employee ($millions) | 3.3528% | 5,425 |
| Cash dividends to net income (ytd only)* | 517.2414% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9374% | 2,344 |
| Loan loss allowance to noncurrent loans | 3,225.0000% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.0398% | 7,394 |
| Noncurrent loans to loans | 0.0601% | 7,252 |
| Net loans and leases to total assets | 64.9152% | 4,116 |
| Net loans and leases to deposits | 75.7878% | 4,455 |
| Net loans and leases to core deposits | 77.2219% | 5,112 |
| Total domestic deposits to total assets | 85.6539% | 3,345 |
| Equity capital to assets | 12.7554% | 1,621 |
| Core capital (leverage) ratio | 12.6973% | 1,330 |
| Tier 1 risk-based capital ratio | 17.4822% | 2,083 |
| Total risk-based capital ratio | 18.7418% | 2,049 |
| Memoranda: | ||
| Average total assets | $20,329,500 | 7,716 |
| Average earning assets | $17,404,000 | 7,721 |
| Average equity | $2,629,000 | 7,601 |
| Average total loans | $14,514,500 | 7,427 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9779% | 1,950 |
| Cost of funding earning assets | 1.6734% | 4,650 |
| Net interest margin | 4.3046% | 1,704 |
| Noninterest income to average assets | 0.5608% | 3,938 |
| Noninterest expense to average assets | 3.2902% | 3,038 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.6898% | 2,975 |
| Return on assets (ROA) | 0.6898% | 3,042 |
| Pretax return on assets | 1.0620% | 2,372 |
| Return on Equity (ROE) | 5.2948% | 3,533 |
| Retained earnings to average equity (ytd only) | -0.4190% | 5,069 |
| Net charge-offs to loans | -0.0136% | 7,768 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5986% | 3,596 |
| Assets per employee ($millions) | 3.4237% | 5,199 |
| Cash dividends to net income (ytd only)* | 107.9137% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6230% | 3,184 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 75.2458% | 1,984 |
| Net loans and leases to deposits | 91.5374% | 1,957 |
| Net loans and leases to core deposits | 109.5697% | 2,949 |
| Total domestic deposits to total assets | 82.2023% | 4,862 |
| Equity capital to assets | 13.1049% | 1,467 |
| Core capital (leverage) ratio | 13.2815% | 1,164 |
| Tier 1 risk-based capital ratio | 16.2026% | 2,433 |
| Total risk-based capital ratio | 17.4593% | 2,369 |
| Memoranda: | ||
| Average total assets | $20,151,000 | 7,769 |
| Average earning assets | $17,748,600 | 7,769 |
| Average equity | $2,625,200 | 7,697 |
| Average total loans | $14,711,000 | 7,469 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9596% | 2,199 |
| Cost of funding earning assets | 1.7275% | 4,757 |
| Net interest margin | 4.2320% | 1,934 |
| Noninterest income to average assets | 0.5585% | 4,019 |
| Noninterest expense to average assets | 2.7726% | 5,011 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.9774% | 2,141 |
| Return on assets (ROA) | 0.9774% | 2,196 |
| Pretax return on assets | 1.5160% | 1,365 |
| Return on Equity (ROE) | 7.5139% | 2,861 |
| Retained earnings to average equity (ytd only) | -0.1533% | 5,247 |
| Net charge-offs to loans | -0.0185% | 7,754 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6512% | 5,627 |
| Assets per employee ($millions) | 3.2848% | 5,440 |
| Cash dividends to net income (ytd only)* | 102.0408% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7146% | 2,574 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 74.1641% | 2,478 |
| Net loans and leases to deposits | 87.8162% | 3,003 |
| Net loans and leases to core deposits | 104.6613% | 3,857 |
| Total domestic deposits to total assets | 84.4538% | 3,502 |
| Equity capital to assets | 13.6080% | 1,449 |
| Core capital (leverage) ratio | 13.1789% | 1,329 |
| Tier 1 risk-based capital ratio | 17.4142% | 2,144 |
| Total risk-based capital ratio | 18.6675% | 2,098 |
| Memoranda: | ||
| Average total assets | $20,053,250 | 7,846 |
| Average earning assets | $17,674,250 | 7,853 |
| Average equity | $2,608,500 | 7,779 |
| Average total loans | $14,460,750 | 7,544 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8800% | 2,673 |
| Cost of funding earning assets | 1.7539% | 4,984 |
| Net interest margin | 4.1261% | 2,236 |
| Noninterest income to average assets | 0.5454% | 4,065 |
| Noninterest expense to average assets | 2.7866% | 5,015 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8727% | 2,564 |
| Return on assets (ROA) | 0.8727% | 2,669 |
| Pretax return on assets | 1.3983% | 1,731 |
| Return on Equity (ROE) | 6.8111% | 3,282 |
| Retained earnings to average equity (ytd only) | -4.7988% | 6,271 |
| Net charge-offs to loans | -0.0279% | 7,763 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5877% | 5,442 |
| Assets per employee ($millions) | 3.2715% | 5,394 |
| Cash dividends to net income (ytd only)* | 170.4545% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7791% | 2,105 |
| Loan loss allowance to noncurrent loans | 86.1486% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 1.5080% | 3,967 |
| Noncurrent loans to loans | 2.0652% | 3,427 |
| Net loans and leases to total assets | 71.7204% | 3,297 |
| Net loans and leases to deposits | 84.5576% | 3,784 |
| Net loans and leases to core deposits | 100.7226% | 4,435 |
| Total domestic deposits to total assets | 84.8184% | 3,349 |
| Equity capital to assets | 13.2304% | 1,587 |
| Core capital (leverage) ratio | 12.8131% | 1,499 |
| Tier 1 risk-based capital ratio | 17.3330% | 2,200 |
| Total risk-based capital ratio | 18.5865% | 2,140 |
| Memoranda: | ||
| Average total assets | $20,168,000 | 7,920 |
| Average earning assets | $17,789,000 | 7,926 |
| Average equity | $2,584,000 | 7,863 |
| Average total loans | $14,323,670 | 7,630 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8332% | 3,124 |
| Cost of funding earning assets | 1.7811% | 5,200 |
| Net interest margin | 4.0521% | 2,447 |
| Noninterest income to average assets | 0.5480% | 3,938 |
| Noninterest expense to average assets | 2.6618% | 5,176 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9786% | 2,403 |
| Return on assets (ROA) | 0.9786% | 2,531 |
| Pretax return on assets | 1.4483% | 1,818 |
| Return on Equity (ROE) | 7.7595% | 3,259 |
| Retained earnings to average equity (ytd only) | -15.5189% | 7,462 |
| Net charge-offs to loans | -0.0559% | 7,728 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7619% | 5,554 |
| Assets per employee ($millions) | 3.3738% | 5,143 |
| Cash dividends to net income (ytd only)* | 300.0000% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9255% | 1,565 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 64.1605% | 4,957 |
| Net loans and leases to deposits | 74.9106% | 5,355 |
| Net loans and leases to core deposits | 87.2849% | 5,809 |
| Total domestic deposits to total assets | 85.6494% | 2,900 |
| Equity capital to assets | 12.5377% | 1,953 |
| Core capital (leverage) ratio | 12.4518% | 1,706 |
| Tier 1 risk-based capital ratio | 17.7491% | 2,113 |
| Total risk-based capital ratio | 19.0051% | 2,062 |
| Memoranda: | ||
| Average total assets | $20,437,500 | 7,962 |
| Average earning assets | $17,966,000 | 7,963 |
| Average equity | $2,577,500 | 7,916 |
| Average total loans | $14,319,000 | 7,669 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8676% | 1,494 |
| Cost of funding earning assets | 2.5654% | 3,874 |
| Net interest margin | 4.3022% | 1,963 |
| Noninterest income to average assets | 0.4307% | 5,207 |
| Noninterest expense to average assets | 3.2524% | 3,148 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7079% | 3,859 |
| Return on assets (ROA) | 0.7079% | 3,692 |
| Pretax return on assets | 0.9307% | 3,614 |
| Return on Equity (ROE) | 5.3610% | 4,210 |
| Retained earnings to average equity (ytd only) | -2.1369% | 5,911 |
| Net charge-offs to loans | -0.0294% | 7,969 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7515% | 2,959 |
| Assets per employee ($millions) | 3.4387% | 4,831 |
| Cash dividends to net income (ytd only)* | 139.8601% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6434% | 2,086 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 73.3908% | 3,265 |
| Net loans and leases to deposits | 89.7410% | 3,497 |
| Net loans and leases to core deposits | 106.4689% | 4,138 |
| Total domestic deposits to total assets | 81.7807% | 4,283 |
| Equity capital to assets | 12.6842% | 1,929 |
| Core capital (leverage) ratio | 13.1166% | 1,515 |
| Tier 1 risk-based capital ratio | 16.6667% | 2,431 |
| Total risk-based capital ratio | 17.9203% | 2,362 |
| Memoranda: | ||
| Average total assets | $20,200,400 | 8,007 |
| Average earning assets | $17,619,000 | 8,017 |
| Average equity | $2,667,400 | 7,936 |
| Average total loans | $13,590,800 | 7,732 |