Home > The First Security Bank > Performance and Condition Ratios
The First Security Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2787% | 1,528 |
| Cost of funding earning assets | 1.3385% | 2,395 |
| Net interest margin | 3.9402% | 1,292 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 3.3296% | 720 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5480% | 3,573 |
| Return on assets (ROA) | 0.5044% | 3,657 |
| Pretax return on assets | 0.5260% | 3,767 |
| Return on Equity (ROE) | 6.5700% | 3,399 |
| Retained earnings to average equity (ytd only) | 2.4864% | 3,449 |
| Net charge-offs to loans | 0.0087% | 2,335 |
| Credit loss provision to net charge-offs | 50.0000% | 2,188 |
| Earnings coverage of net charge-offs (x) | 84.3333% | 990 |
| Efficiency ratio | 85.2779% | 597 |
| Assets per employee ($millions) | 3.6205% | 4,264 |
| Cash dividends to net income (ytd only)* | 62.1622% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2757% | 1,899 |
| Loan loss allowance to noncurrent loans | 1,186.4865% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.0818% | 2,994 |
| Noncurrent loans to loans | 0.1075% | 3,000 |
| Net loans and leases to total assets | 75.0700% | 1,231 |
| Net loans and leases to deposits | 87.1979% | 1,521 |
| Net loans and leases to core deposits | 97.0229% | 1,593 |
| Total domestic deposits to total assets | 86.0900% | 1,985 |
| Equity capital to assets | 7.7436% | 3,578 |
| Core capital (leverage) ratio | 7.6438% | 4,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7038% | 2,853 |
| Memoranda: | ||
| Average total assets | $88,029,200 | 3,936 |
| Average earning assets | $79,716,600 | 3,934 |
| Average equity | $6,756,800 | 4,075 |
| Average total loans | $68,941,000 | 3,567 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1776% | 1,500 |
| Cost of funding earning assets | 1.2494% | 2,282 |
| Net interest margin | 3.9281% | 1,350 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 3.2536% | 763 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6107% | 3,518 |
| Return on assets (ROA) | 0.5507% | 3,648 |
| Pretax return on assets | 0.5735% | 3,782 |
| Return on Equity (ROE) | 7.1900% | 3,381 |
| Retained earnings to average equity (ytd only) | 1.6931% | 3,795 |
| Net charge-offs to loans | 0.0039% | 2,355 |
| Credit loss provision to net charge-offs | 150.0000% | 1,321 |
| Earnings coverage of net charge-offs (x) | 210.0000% | 576 |
| Efficiency ratio | 83.5488% | 639 |
| Assets per employee ($millions) | 3.6212% | 4,289 |
| Cash dividends to net income (ytd only)* | 76.4543% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3079% | 1,830 |
| Loan loss allowance to noncurrent loans | 864.7059% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.1174% | 2,784 |
| Noncurrent loans to loans | 0.1513% | 2,795 |
| Net loans and leases to total assets | 76.5800% | 1,052 |
| Net loans and leases to deposits | 84.5121% | 1,697 |
| Net loans and leases to core deposits | 93.8664% | 1,685 |
| Total domestic deposits to total assets | 90.6100% | 772 |
| Equity capital to assets | 7.5780% | 3,308 |
| Core capital (leverage) ratio | 7.6476% | 4,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9190% | 2,840 |
| Memoranda: | ||
| Average total assets | $87,408,500 | 3,954 |
| Average earning assets | $79,289,000 | 3,956 |
| Average equity | $6,693,750 | 4,083 |
| Average total loans | $68,969,500 | 3,579 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0554% | 1,451 |
| Cost of funding earning assets | 1.1346% | 2,184 |
| Net interest margin | 3.9208% | 1,384 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 3.1676% | 822 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6903% | 3,360 |
| Return on assets (ROA) | 0.5961% | 3,586 |
| Pretax return on assets | 0.6212% | 3,755 |
| Return on Equity (ROE) | 7.7600% | 3,300 |
| Retained earnings to average equity (ytd only) | 1.3968% | 3,845 |
| Net charge-offs to loans | -0.0029% | 3,597 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 81.4924% | 743 |
| Assets per employee ($millions) | 3.9861% | 4,188 |
| Cash dividends to net income (ytd only)* | 81.9923% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2648% | 2,101 |
| 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 | 78.4200% | 791 |
| Net loans and leases to deposits | 88.0082% | 1,345 |
| Net loans and leases to core deposits | 99.9637% | 1,243 |
| Total domestic deposits to total assets | 89.1100% | 1,215 |
| Equity capital to assets | 7.6505% | 3,434 |
| Core capital (leverage) ratio | 7.6122% | 4,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7338% | 2,880 |
| Memoranda: | ||
| Average total assets | $87,575,000 | 3,971 |
| Average earning assets | $79,677,667 | 3,974 |
| Average equity | $6,729,667 | 4,102 |
| Average total loans | $69,480,333 | 3,575 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9273% | 1,370 |
| Cost of funding earning assets | 1.0916% | 1,776 |
| Net interest margin | 3.8357% | 1,610 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 3.1583% | 850 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6227% | 3,651 |
| Return on assets (ROA) | 0.3199% | 4,177 |
| Pretax return on assets | 0.3337% | 4,229 |
| Return on Equity (ROE) | 4.1500% | 4,014 |
| Retained earnings to average equity (ytd only) | -1.1869% | 4,146 |
| Net charge-offs to loans | -0.0058% | 3,684 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 82.9532% | 648 |
| Assets per employee ($millions) | 4.0890% | 4,215 |
| Cash dividends to net income (ytd only)* | 128.5714% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2763% | 2,148 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 79.3600% | 606 |
| Net loans and leases to deposits | 86.3234% | 1,327 |
| Net loans and leases to core deposits | 97.9110% | 1,178 |
| Total domestic deposits to total assets | 91.9400% | 532 |
| Equity capital to assets | 7.8166% | 3,374 |
| Core capital (leverage) ratio | 7.4773% | 4,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7965% | 2,969 |
| Memoranda: | ||
| Average total assets | $87,515,500 | 4,022 |
| Average earning assets | $79,882,000 | 4,019 |
| Average equity | $6,740,000 | 4,151 |
| Average total loans | $69,393,000 | 3,618 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5928% | 621 |
| Cost of funding earning assets | 0.4817% | 1,519 |
| Net interest margin | 4.1111% | 639 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 3.1215% | 808 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.9903% | 2,605 |
| Return on assets (ROA) | 0.9988% | 2,523 |
| Pretax return on assets | 1.0186% | 3,028 |
| Return on Equity (ROE) | 12.1000% | 2,104 |
| Retained earnings to average equity (ytd only) | 6.2282% | 2,561 |
| Net charge-offs to loans | -0.0017% | 3,416 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.6588% | 1,153 |
| Assets per employee ($millions) | 4.4582% | 4,063 |
| Cash dividends to net income (ytd only)* | 48.5112% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9762% | 3,487 |
| 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 | 77.4700% | 849 |
| Net loans and leases to deposits | 91.6565% | 932 |
| Net loans and leases to core deposits | 106.5018% | 730 |
| Total domestic deposits to total assets | 84.5200% | 3,099 |
| Equity capital to assets | 7.5906% | 3,332 |
| Core capital (leverage) ratio | 7.8049% | 4,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8782% | 2,981 |
| Memoranda: | ||
| Average total assets | $80,697,200 | 4,122 |
| Average earning assets | $74,116,000 | 4,108 |
| Average equity | $6,663,200 | 4,252 |
| Average total loans | $60,562,800 | 3,718 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5017% | 500 |
| Cost of funding earning assets | 0.3338% | 1,823 |
| Net interest margin | 4.1679% | 449 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 3.1491% | 732 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.0236% | 2,390 |
| Return on assets (ROA) | 1.0350% | 2,308 |
| Pretax return on assets | 1.0808% | 2,774 |
| Return on Equity (ROE) | 12.2500% | 1,955 |
| Retained earnings to average equity (ytd only) | 4.3995% | 3,326 |
| Net charge-offs to loans | -0.0023% | 3,291 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.7366% | 1,304 |
| Assets per employee ($millions) | 3.9865% | 4,331 |
| Cash dividends to net income (ytd only)* | 64.0984% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0382% | 3,309 |
| 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 | 76.4000% | 866 |
| Net loans and leases to deposits | 90.5624% | 855 |
| Net loans and leases to core deposits | 95.3046% | 1,032 |
| Total domestic deposits to total assets | 84.3600% | 3,412 |
| Equity capital to assets | 7.6663% | 3,114 |
| Core capital (leverage) ratio | 8.0418% | 4,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3493% | 2,976 |
| Memoranda: | ||
| Average total assets | $78,580,750 | 4,176 |
| Average earning assets | $72,296,250 | 4,158 |
| Average equity | $6,637,000 | 4,297 |
| Average total loans | $58,264,250 | 3,776 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1685% | 680 |
| Cost of funding earning assets | 0.2543% | 2,204 |
| Net interest margin | 3.9141% | 588 |
| Noninterest income to average assets | 0.4761% | 2,322 |
| Noninterest expense to average assets | 3.1300% | 699 |
| Loan and lease loss provision to assets | 0.0468% | 1,729 |
| Net operating income to assets | 0.8641% | 2,719 |
| Return on assets (ROA) | 0.8716% | 2,666 |
| Pretax return on assets | 0.9106% | 3,023 |
| Return on Equity (ROE) | 9.9851% | 2,345 |
| Retained earnings to average equity (ytd only) | 1.0730% | 3,979 |
| Net charge-offs to loans | -0.0036% | 3,247 |
| Credit loss provision to net charge-offs | -1,800.0000% | 3,656 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5306% | 1,217 |
| Assets per employee ($millions) | 4.1374% | 4,295 |
| Cash dividends to net income (ytd only)* | 89.2537% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1577% | 2,895 |
| 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 | 71.8992% | 1,113 |
| Net loans and leases to deposits | 82.0081% | 1,240 |
| Net loans and leases to core deposits | 82.7283% | 1,540 |
| Total domestic deposits to total assets | 87.6733% | 2,703 |
| Equity capital to assets | 8.2407% | 2,952 |
| Core capital (leverage) ratio | 8.1821% | 4,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6361% | 2,640 |
| Memoranda: | ||
| Average total assets | $76,868,667 | 4,237 |
| Average earning assets | $70,769,000 | 4,238 |
| Average equity | $6,710,000 | 4,350 |
| Average total loans | $56,143,000 | 3,861 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1650% | 560 |
| Cost of funding earning assets | 0.2567% | 2,076 |
| Net interest margin | 3.9083% | 491 |
| Noninterest income to average assets | 0.5526% | 1,888 |
| Noninterest expense to average assets | 3.1422% | 656 |
| Loan and lease loss provision to assets | 0.0474% | 1,523 |
| Net operating income to assets | 0.9263% | 2,175 |
| Return on assets (ROA) | 0.9263% | 2,168 |
| Pretax return on assets | 0.9684% | 2,540 |
| Return on Equity (ROE) | 10.3135% | 1,851 |
| Retained earnings to average equity (ytd only) | 5.6255% | 2,373 |
| Net charge-offs to loans | -0.0072% | 3,471 |
| Credit loss provision to net charge-offs | -900.0000% | 3,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4430% | 1,589 |
| Assets per employee ($millions) | 3.8802% | 4,443 |
| Cash dividends to net income (ytd only)* | 45.4545% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1642% | 3,032 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 71.4332% | 881 |
| Net loans and leases to deposits | 80.8008% | 1,093 |
| Net loans and leases to core deposits | 81.9972% | 1,353 |
| Total domestic deposits to total assets | 88.4065% | 2,333 |
| Equity capital to assets | 8.6941% | 2,979 |
| Core capital (leverage) ratio | 8.3104% | 4,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2758% | 2,494 |
| Memoranda: | ||
| Average total assets | $75,998,000 | 4,271 |
| Average earning assets | $70,107,500 | 4,265 |
| Average equity | $6,826,000 | 4,379 |
| Average total loans | $55,623,500 | 3,876 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5306% | 575 |
| Cost of funding earning assets | 0.3111% | 2,285 |
| Net interest margin | 4.2196% | 472 |
| Noninterest income to average assets | 0.5439% | 2,380 |
| Noninterest expense to average assets | 3.1459% | 791 |
| Loan and lease loss provision to assets | 0.0481% | 2,098 |
| Net operating income to assets | 1.1779% | 2,002 |
| Return on assets (ROA) | 1.1907% | 2,016 |
| Pretax return on assets | 1.2429% | 2,543 |
| Return on Equity (ROE) | 13.1949% | 1,399 |
| Retained earnings to average equity (ytd only) | 6.3827% | 2,183 |
| Net charge-offs to loans | -0.0036% | 3,473 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9668% | 1,622 |
| Assets per employee ($millions) | 3.5425% | 4,574 |
| Cash dividends to net income (ytd only)* | 51.6274% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1657% | 3,047 |
| 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 | 73.2821% | 725 |
| Net loans and leases to deposits | 83.5827% | 936 |
| Net loans and leases to core deposits | 84.8855% | 1,270 |
| Total domestic deposits to total assets | 87.6761% | 2,210 |
| Equity capital to assets | 9.2819% | 3,335 |
| Core capital (leverage) ratio | 8.3252% | 4,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9398% | 2,654 |
| Memoranda: | ||
| Average total assets | $74,827,600 | 4,279 |
| Average earning assets | $68,798,800 | 4,281 |
| Average equity | $6,752,600 | 4,451 |
| Average total loans | $55,457,200 | 3,902 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6275% | 541 |
| Cost of funding earning assets | 0.3235% | 2,368 |
| Net interest margin | 4.3041% | 443 |
| Noninterest income to average assets | 0.5676% | 2,346 |
| Noninterest expense to average assets | 2.9767% | 1,011 |
| Loan and lease loss provision to assets | 0.0480% | 2,039 |
| Net operating income to assets | 1.4324% | 1,439 |
| Return on assets (ROA) | 1.4358% | 1,493 |
| Pretax return on assets | 1.4999% | 1,989 |
| Return on Equity (ROE) | 16.0246% | 945 |
| Retained earnings to average equity (ytd only) | 6.8904% | 2,458 |
| Net charge-offs to loans | -0.0048% | 3,428 |
| Credit loss provision to net charge-offs | -1,350.0000% | 3,917 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6828% | 2,146 |
| Assets per employee ($millions) | 3.8032% | 4,543 |
| Cash dividends to net income (ytd only)* | 57.0012% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1378% | 3,265 |
| 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 | 72.4242% | 830 |
| Net loans and leases to deposits | 83.5578% | 994 |
| Net loans and leases to core deposits | 84.8448% | 1,363 |
| Total domestic deposits to total assets | 86.6755% | 2,473 |
| Equity capital to assets | 8.9991% | 3,830 |
| Core capital (leverage) ratio | 8.2274% | 4,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4569% | 2,872 |
| Memoranda: | ||
| Average total assets | $74,936,500 | 4,335 |
| Average earning assets | $68,832,500 | 4,328 |
| Average equity | $6,714,500 | 4,520 |
| Average total loans | $55,531,750 | 3,952 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8671% | 428 |
| Cost of funding earning assets | 0.3334% | 2,459 |
| Net interest margin | 4.5336% | 334 |
| Noninterest income to average assets | 0.6786% | 1,893 |
| Noninterest expense to average assets | 2.8835% | 1,172 |
| Loan and lease loss provision to assets | 0.0483% | 2,061 |
| Net operating income to assets | 1.8162% | 692 |
| Return on assets (ROA) | 1.8213% | 715 |
| Pretax return on assets | 1.9098% | 1,000 |
| Return on Equity (ROE) | 20.3568% | 427 |
| Retained earnings to average equity (ytd only) | 9.2640% | 1,632 |
| Net charge-offs to loans | -0.0072% | 3,549 |
| Credit loss provision to net charge-offs | -900.0000% | 3,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4565% | 3,088 |
| Assets per employee ($millions) | 3.2742% | 4,733 |
| Cash dividends to net income (ytd only)* | 54.4919% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0947% | 3,438 |
| 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 | 74.8616% | 688 |
| Net loans and leases to deposits | 86.5074% | 882 |
| Net loans and leases to core deposits | 87.8555% | 1,276 |
| Total domestic deposits to total assets | 86.5378% | 2,533 |
| Equity capital to assets | 9.0536% | 3,754 |
| Core capital (leverage) ratio | 8.1812% | 4,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9690% | 2,965 |
| Memoranda: | ||
| Average total assets | $74,561,000 | 4,364 |
| Average earning assets | $68,377,667 | 4,362 |
| Average equity | $6,671,000 | 4,549 |
| Average total loans | $55,468,333 | 3,979 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5657% | 708 |
| Cost of funding earning assets | 0.3467% | 2,551 |
| Net interest margin | 4.2190% | 582 |
| Noninterest income to average assets | 0.3666% | 3,260 |
| Noninterest expense to average assets | 2.8468% | 1,268 |
| Loan and lease loss provision to assets | 0.0485% | 2,113 |
| Net operating income to assets | 1.2837% | 1,876 |
| Return on assets (ROA) | 1.2940% | 1,919 |
| Pretax return on assets | 1.3533% | 2,419 |
| Return on Equity (ROE) | 14.5510% | 1,316 |
| Retained earnings to average equity (ytd only) | 9.0944% | 1,922 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0483% | 2,070 |
| Assets per employee ($millions) | 5.0629% | 3,582 |
| Cash dividends to net income (ytd only)* | 37.5000% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1091% | 3,389 |
| 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 | 72.0870% | 1,012 |
| Net loans and leases to deposits | 84.2399% | 1,122 |
| Net loans and leases to core deposits | 85.0249% | 1,589 |
| Total domestic deposits to total assets | 85.5734% | 2,901 |
| Equity capital to assets | 8.7711% | 3,892 |
| Core capital (leverage) ratio | 8.0908% | 4,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9023% | 2,705 |
| Memoranda: | ||
| Average total assets | $74,188,000 | 4,388 |
| Average earning assets | $68,072,500 | 4,382 |
| Average equity | $6,597,500 | 4,573 |
| Average total loans | $54,702,500 | 4,016 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7321% | 838 |
| Cost of funding earning assets | 0.5514% | 2,604 |
| Net interest margin | 4.1807% | 667 |
| Noninterest income to average assets | 0.4967% | 2,647 |
| Noninterest expense to average assets | 2.8803% | 1,738 |
| Loan and lease loss provision to assets | 0.0593% | 3,632 |
| Net operating income to assets | 1.3017% | 1,244 |
| Return on assets (ROA) | 1.3124% | 1,317 |
| Pretax return on assets | 1.3773% | 1,737 |
| Return on Equity (ROE) | 15.1328% | 622 |
| Retained earnings to average equity (ytd only) | 9.9421% | 597 |
| Net charge-offs to loans | -0.0038% | 4,071 |
| Credit loss provision to net charge-offs | -2,100.0000% | 4,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4700% | 2,452 |
| Assets per employee ($millions) | 4.5271% | 3,891 |
| Cash dividends to net income (ytd only)* | 34.3011% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1194% | 3,369 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 73.7799% | 1,055 |
| Net loans and leases to deposits | 87.8112% | 1,112 |
| Net loans and leases to core deposits | 89.8093% | 1,538 |
| Total domestic deposits to total assets | 84.0211% | 3,102 |
| Equity capital to assets | 9.0208% | 4,033 |
| Core capital (leverage) ratio | 7.9676% | 4,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1911% | 2,871 |
| Memoranda: | ||
| Average total assets | $70,860,800 | 4,372 |
| Average earning assets | $64,558,600 | 4,383 |
| Average equity | $6,145,600 | 4,629 |
| Average total loans | $52,476,800 | 4,059 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7860% | 899 |
| Cost of funding earning assets | 0.5967% | 2,633 |
| Net interest margin | 4.1893% | 752 |
| Noninterest income to average assets | 0.3425% | 3,422 |
| Noninterest expense to average assets | 3.0292% | 1,379 |
| Loan and lease loss provision to assets | 0.0511% | 3,713 |
| Net operating income to assets | 1.0224% | 2,246 |
| Return on assets (ROA) | 1.0350% | 2,334 |
| Pretax return on assets | 1.0879% | 2,789 |
| Return on Equity (ROE) | 12.0578% | 1,351 |
| Retained earnings to average equity (ytd only) | 6.3485% | 1,947 |
| Net charge-offs to loans | -0.0051% | 4,054 |
| Credit loss provision to net charge-offs | -1,350.0000% | 3,991 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3588% | 1,602 |
| Assets per employee ($millions) | 4.3324% | 4,013 |
| Cash dividends to net income (ytd only)* | 47.3492% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0786% | 3,316 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2295% | 3,303 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 73.5954% | 1,424 |
| Net loans and leases to deposits | 91.3462% | 1,124 |
| Net loans and leases to core deposits | 93.8840% | 1,649 |
| Total domestic deposits to total assets | 80.5675% | 3,757 |
| Equity capital to assets | 8.4413% | 4,492 |
| Core capital (leverage) ratio | 7.3368% | 4,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4042% | 3,048 |
| Memoranda: | ||
| Average total assets | $70,467,750 | 4,385 |
| Average earning assets | $64,129,750 | 4,400 |
| Average equity | $6,048,500 | 4,661 |
| Average total loans | $52,084,500 | 4,093 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9504% | 895 |
| Cost of funding earning assets | 0.6632% | 2,607 |
| Net interest margin | 4.2872% | 772 |
| Noninterest income to average assets | 0.3314% | 3,483 |
| Noninterest expense to average assets | 3.0516% | 1,457 |
| Loan and lease loss provision to assets | 0.0519% | 3,658 |
| Net operating income to assets | 1.0668% | 2,085 |
| Return on assets (ROA) | 1.0777% | 2,170 |
| Pretax return on assets | 1.1325% | 2,604 |
| Return on Equity (ROE) | 12.4826% | 1,220 |
| Retained earnings to average equity (ytd only) | 6.9756% | 1,671 |
| Net charge-offs to loans | -0.0039% | 3,941 |
| Credit loss provision to net charge-offs | -1,800.0000% | 3,869 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7599% | 1,723 |
| Assets per employee ($millions) | 4.3569% | 3,949 |
| Cash dividends to net income (ytd only)* | 44.1176% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0759% | 3,204 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2486% | 3,321 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 68.1195% | 2,331 |
| Net loans and leases to deposits | 83.2326% | 2,072 |
| Net loans and leases to core deposits | 90.5642% | 2,024 |
| Total domestic deposits to total assets | 81.8423% | 3,412 |
| Equity capital to assets | 7.8331% | 4,795 |
| Core capital (leverage) ratio | 7.4025% | 4,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9896% | 3,162 |
| Memoranda: | ||
| Average total assets | $69,407,000 | 4,406 |
| Average earning assets | $63,024,667 | 4,420 |
| Average equity | $5,992,333 | 4,690 |
| Average total loans | $51,181,333 | 4,114 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9303% | 1,116 |
| Cost of funding earning assets | 0.7659% | 2,575 |
| Net interest margin | 4.1645% | 990 |
| Noninterest income to average assets | 0.3636% | 3,334 |
| Noninterest expense to average assets | 3.2728% | 1,280 |
| Loan and lease loss provision to assets | 0.0555% | 3,070 |
| Net operating income to assets | 0.7526% | 3,085 |
| Return on assets (ROA) | 0.7643% | 3,116 |
| Pretax return on assets | 0.8013% | 3,411 |
| Return on Equity (ROE) | 8.3826% | 2,352 |
| Retained earnings to average equity (ytd only) | 2.9745% | 3,094 |
| Net charge-offs to loans | -0.0080% | 4,001 |
| Credit loss provision to net charge-offs | -900.0000% | 3,530 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8922% | 1,247 |
| Assets per employee ($millions) | 3.8241% | 4,141 |
| Cash dividends to net income (ytd only)* | 64.5161% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1271% | 3,066 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3000% | 3,253 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 77.0478% | 1,125 |
| Net loans and leases to deposits | 86.4421% | 1,940 |
| Net loans and leases to core deposits | 94.4611% | 1,928 |
| Total domestic deposits to total assets | 89.1323% | 613 |
| Equity capital to assets | 9.2003% | 4,465 |
| Core capital (leverage) ratio | 8.2189% | 4,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3267% | 3,268 |
| Memoranda: | ||
| Average total assets | $64,898,500 | 4,487 |
| Average earning assets | $58,495,000 | 4,507 |
| Average equity | $5,917,000 | 4,733 |
| Average total loans | $49,770,500 | 4,155 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0767% | 1,269 |
| Cost of funding earning assets | 0.7741% | 2,806 |
| Net interest margin | 4.3026% | 1,083 |
| Noninterest income to average assets | 0.2681% | 4,075 |
| Noninterest expense to average assets | 3.2135% | 1,488 |
| Loan and lease loss provision to assets | 0.0568% | 2,897 |
| Net operating income to assets | 0.8459% | 3,400 |
| Return on assets (ROA) | 0.9193% | 3,202 |
| Pretax return on assets | 0.9666% | 3,551 |
| Return on Equity (ROE) | 10.4267% | 2,109 |
| Retained earnings to average equity (ytd only) | 6.5279% | 1,598 |
| Net charge-offs to loans | -0.0044% | 4,322 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,594 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6111% | 1,304 |
| Assets per employee ($millions) | 3.4099% | 4,559 |
| Cash dividends to net income (ytd only)* | 37.3928% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1497% | 2,701 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3010% | 3,228 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 74.5817% | 1,657 |
| Net loans and leases to deposits | 84.6279% | 2,258 |
| Net loans and leases to core deposits | 93.9566% | 2,065 |
| Total domestic deposits to total assets | 88.1290% | 1,069 |
| Equity capital to assets | 9.0341% | 4,670 |
| Core capital (leverage) ratio | 7.9987% | 5,038 |
| Tier 1 risk-based capital ratio | 10.7493% | 4,948 |
| Total risk-based capital ratio | 11.9082% | 4,891 |
| Memoranda: | ||
| Average total assets | $63,420,400 | 4,538 |
| Average earning assets | $57,360,000 | 4,570 |
| Average equity | $5,591,400 | 4,813 |
| Average total loans | $45,929,000 | 4,262 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0328% | 1,460 |
| Cost of funding earning assets | 0.7660% | 2,888 |
| Net interest margin | 4.2668% | 1,231 |
| Noninterest income to average assets | 0.2663% | 4,145 |
| Noninterest expense to average assets | 3.1663% | 1,535 |
| Loan and lease loss provision to assets | 0.0571% | 2,755 |
| Net operating income to assets | 0.8612% | 3,482 |
| Return on assets (ROA) | 0.9596% | 3,207 |
| Pretax return on assets | 1.0083% | 3,571 |
| Return on Equity (ROE) | 10.9540% | 2,034 |
| Retained earnings to average equity (ytd only) | 6.2733% | 2,234 |
| Net charge-offs to loans | -0.0059% | 4,244 |
| Credit loss provision to net charge-offs | -1,350.0000% | 4,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0369% | 1,328 |
| Assets per employee ($millions) | 3.2991% | 4,670 |
| Cash dividends to net income (ytd only)* | 42.7311% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1298% | 2,875 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2955% | 3,366 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 73.3442% | 1,938 |
| Net loans and leases to deposits | 86.9270% | 2,074 |
| Net loans and leases to core deposits | 96.2069% | 1,976 |
| Total domestic deposits to total assets | 84.3745% | 2,688 |
| Equity capital to assets | 8.7084% | 4,921 |
| Core capital (leverage) ratio | 7.9794% | 5,122 |
| Tier 1 risk-based capital ratio | 10.3878% | 5,111 |
| Total risk-based capital ratio | 11.5111% | 5,064 |
| Memoranda: | ||
| Average total assets | $63,078,500 | 4,599 |
| Average earning assets | $57,090,500 | 4,634 |
| Average equity | $5,526,000 | 4,888 |
| Average total loans | $45,190,750 | 4,333 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0311% | 1,395 |
| Cost of funding earning assets | 0.7142% | 3,089 |
| Net interest margin | 4.3169% | 1,103 |
| Noninterest income to average assets | 0.2512% | 4,253 |
| Noninterest expense to average assets | 3.1492% | 1,615 |
| Loan and lease loss provision to assets | 0.0580% | 2,667 |
| Net operating income to assets | 0.9113% | 3,238 |
| Return on assets (ROA) | 0.9113% | 3,300 |
| Pretax return on assets | 0.9564% | 3,690 |
| Return on Equity (ROE) | 10.3802% | 2,222 |
| Retained earnings to average equity (ytd only) | 3.2645% | 3,590 |
| Net charge-offs to loans | -0.0046% | 4,097 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8647% | 1,532 |
| Assets per employee ($millions) | 2.6323% | 5,079 |
| Cash dividends to net income (ytd only)* | 68.5512% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1875% | 2,597 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3087% | 3,301 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 71.5208% | 2,282 |
| Net loans and leases to deposits | 86.1320% | 2,244 |
| Net loans and leases to core deposits | 95.8934% | 2,081 |
| Total domestic deposits to total assets | 83.0363% | 3,185 |
| Equity capital to assets | 8.8071% | 4,899 |
| Core capital (leverage) ratio | 7.9660% | 5,175 |
| Tier 1 risk-based capital ratio | 10.7802% | 5,000 |
| Total risk-based capital ratio | 11.9676% | 4,948 |
| Memoranda: | ||
| Average total assets | $62,110,670 | 4,656 |
| Average earning assets | $56,290,000 | 4,681 |
| Average equity | $5,452,670 | 4,928 |
| Average total loans | $43,938,670 | 4,391 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8319% | 1,811 |
| Cost of funding earning assets | 0.6605% | 3,259 |
| Net interest margin | 4.1713% | 1,372 |
| Noninterest income to average assets | 0.2274% | 4,382 |
| Noninterest expense to average assets | 3.0920% | 1,753 |
| Loan and lease loss provision to assets | 0.0585% | 2,482 |
| Net operating income to assets | 0.8185% | 3,557 |
| Return on assets (ROA) | 0.8185% | 3,596 |
| Pretax return on assets | 0.8510% | 3,917 |
| Return on Equity (ROE) | 9.3385% | 2,654 |
| Retained earnings to average equity (ytd only) | 2.9646% | 3,747 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4610% | 1,450 |
| Assets per employee ($millions) | 2.8130% | 5,065 |
| Cash dividends to net income (ytd only)* | 68.2540% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2316% | 2,419 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3151% | 3,333 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 69.0662% | 2,614 |
| Net loans and leases to deposits | 78.0138% | 3,056 |
| Net loans and leases to core deposits | 85.9519% | 2,873 |
| Total domestic deposits to total assets | 88.5307% | 1,073 |
| Equity capital to assets | 8.7983% | 4,823 |
| Core capital (leverage) ratio | 8.0354% | 5,199 |
| Tier 1 risk-based capital ratio | 11.3247% | 4,824 |
| Total risk-based capital ratio | 12.5624% | 4,745 |
| Memoranda: | ||
| Average total assets | $61,578,000 | 4,714 |
| Average earning assets | $55,713,500 | 4,739 |
| Average equity | $5,397,000 | 4,982 |
| Average total loans | $43,044,500 | 4,461 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6956% | 1,835 |
| Cost of funding earning assets | 0.4583% | 3,622 |
| Net interest margin | 4.2373% | 1,306 |
| Noninterest income to average assets | 0.2683% | 4,313 |
| Noninterest expense to average assets | 3.2443% | 1,444 |
| Loan and lease loss provision to assets | 0.0397% | 3,401 |
| Net operating income to assets | 0.8098% | 3,768 |
| Return on assets (ROA) | 0.8098% | 3,770 |
| Pretax return on assets | 0.8429% | 4,060 |
| Return on Equity (ROE) | 9.3660% | 2,805 |
| Retained earnings to average equity (ytd only) | 5.4204% | 2,523 |
| Net charge-offs to loans | -0.0048% | 4,348 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8491% | 1,145 |
| Assets per employee ($millions) | 2.9176% | 5,037 |
| Cash dividends to net income (ytd only)* | 42.1268% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2239% | 2,441 |
| Loan loss allowance to noncurrent loans | 331.6456% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.2579% | 3,554 |
| Noncurrent loans to loans | 0.3690% | 3,217 |
| Net loans and leases to total assets | 69.0219% | 2,726 |
| Net loans and leases to deposits | 80.7813% | 2,874 |
| Net loans and leases to core deposits | 88.7176% | 2,680 |
| Total domestic deposits to total assets | 85.4429% | 2,456 |
| Equity capital to assets | 8.7304% | 4,781 |
| Core capital (leverage) ratio | 8.0080% | 5,231 |
| Tier 1 risk-based capital ratio | 11.4256% | 4,758 |
| Total risk-based capital ratio | 12.6646% | 4,673 |
| Memoranda: | ||
| Average total assets | $60,383,600 | 4,756 |
| Average earning assets | $54,987,800 | 4,771 |
| Average equity | $5,221,000 | 5,015 |
| Average total loans | $41,404,600 | 4,513 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6949% | 1,693 |
| Cost of funding earning assets | 0.4498% | 3,523 |
| Net interest margin | 4.2451% | 1,248 |
| Noninterest income to average assets | 0.2704% | 4,343 |
| Noninterest expense to average assets | 3.1869% | 1,555 |
| Loan and lease loss provision to assets | 0.0332% | 3,352 |
| Net operating income to assets | 0.8843% | 3,604 |
| Return on assets (ROA) | 0.8843% | 3,605 |
| Pretax return on assets | 0.9197% | 3,948 |
| Return on Equity (ROE) | 10.2523% | 2,502 |
| Retained earnings to average equity (ytd only) | 6.3980% | 2,435 |
| Net charge-offs to loans | -0.0065% | 4,286 |
| Credit loss provision to net charge-offs | -750.0000% | 4,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2313% | 1,327 |
| Assets per employee ($millions) | 2.7679% | 5,180 |
| Cash dividends to net income (ytd only)* | 37.5947% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2114% | 2,563 |
| Loan loss allowance to noncurrent loans | 329.4872% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.2562% | 3,666 |
| Noncurrent loans to loans | 0.3677% | 3,326 |
| Net loans and leases to total assets | 68.8371% | 2,814 |
| Net loans and leases to deposits | 79.5253% | 3,087 |
| Net loans and leases to core deposits | 86.5231% | 2,953 |
| Total domestic deposits to total assets | 86.5600% | 1,942 |
| Equity capital to assets | 8.6430% | 4,838 |
| Core capital (leverage) ratio | 7.8112% | 5,354 |
| Tier 1 risk-based capital ratio | 11.6090% | 4,728 |
| Total risk-based capital ratio | 12.8539% | 4,619 |
| Memoranda: | ||
| Average total assets | $60,162,250 | 4,813 |
| Average earning assets | $54,837,750 | 4,824 |
| Average equity | $5,189,000 | 5,080 |
| Average total loans | $41,052,500 | 4,565 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5852% | 1,824 |
| Cost of funding earning assets | 0.3552% | 4,040 |
| Net interest margin | 4.2299% | 1,213 |
| Noninterest income to average assets | 0.2837% | 4,285 |
| Noninterest expense to average assets | 3.1342% | 1,709 |
| Loan and lease loss provision to assets | 0.0200% | 3,504 |
| Net operating income to assets | 0.9446% | 3,254 |
| Return on assets (ROA) | 0.9446% | 3,262 |
| Pretax return on assets | 0.9847% | 3,711 |
| Return on Equity (ROE) | 10.9598% | 2,131 |
| Retained earnings to average equity (ytd only) | 6.3125% | 2,408 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9194% | 1,577 |
| Assets per employee ($millions) | 2.8157% | 5,210 |
| Cash dividends to net income (ytd only)* | 42.4028% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1725% | 2,872 |
| Loan loss allowance to noncurrent loans | 165.7895% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 0.4908% | 2,791 |
| Noncurrent loans to loans | 0.7072% | 2,344 |
| Net loans and leases to total assets | 68.5775% | 2,778 |
| Net loans and leases to deposits | 84.0293% | 2,535 |
| Net loans and leases to core deposits | 86.1526% | 2,909 |
| Total domestic deposits to total assets | 81.6114% | 3,838 |
| Equity capital to assets | 8.3863% | 5,026 |
| Core capital (leverage) ratio | 7.8039% | 5,397 |
| Tier 1 risk-based capital ratio | 11.2279% | 4,935 |
| Total risk-based capital ratio | 12.4313% | 4,860 |
| Memoranda: | ||
| Average total assets | $59,918,670 | 4,874 |
| Average earning assets | $54,611,000 | 4,884 |
| Average equity | $5,164,330 | 5,139 |
| Average total loans | $40,593,000 | 4,620 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5308% | 1,776 |
| Cost of funding earning assets | 0.3130% | 4,247 |
| Net interest margin | 4.2178% | 1,141 |
| Noninterest income to average assets | 0.2784% | 4,309 |
| Noninterest expense to average assets | 3.1373% | 1,722 |
| Loan and lease loss provision to assets | 0.0204% | 3,264 |
| Net operating income to assets | 0.9235% | 3,190 |
| Return on assets (ROA) | 0.9235% | 3,206 |
| Pretax return on assets | 0.9643% | 3,653 |
| Return on Equity (ROE) | 10.5652% | 2,144 |
| Retained earnings to average equity (ytd only) | 8.2346% | 1,756 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2883% | 1,706 |
| Assets per employee ($millions) | 3.0073% | 5,146 |
| Cash dividends to net income (ytd only)* | 22.0588% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2420% | 2,561 |
| Loan loss allowance to noncurrent loans | 168.6869% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 0.4938% | 2,883 |
| Noncurrent loans to loans | 0.7363% | 2,366 |
| Net loans and leases to total assets | 66.2349% | 2,998 |
| Net loans and leases to deposits | 77.2304% | 3,090 |
| Net loans and leases to core deposits | 79.1406% | 3,391 |
| Total domestic deposits to total assets | 85.7627% | 2,648 |
| Equity capital to assets | 8.5809% | 4,915 |
| Core capital (leverage) ratio | 8.0217% | 5,384 |
| Tier 1 risk-based capital ratio | 11.5604% | 4,832 |
| Total risk-based capital ratio | 12.8086% | 4,726 |
| Memoranda: | ||
| Average total assets | $58,905,000 | 4,947 |
| Average earning assets | $53,677,000 | 4,959 |
| Average equity | $5,149,000 | 5,194 |
| Average total loans | $39,397,000 | 4,706 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3713% | 2,110 |
| Cost of funding earning assets | 0.2763% | 4,351 |
| Net interest margin | 4.0950% | 1,459 |
| Noninterest income to average assets | 0.3174% | 4,192 |
| Noninterest expense to average assets | 3.2040% | 1,601 |
| Loan and lease loss provision to assets | 0.0631% | 2,967 |
| Net operating income to assets | 0.7348% | 3,450 |
| Return on assets (ROA) | 0.7348% | 3,494 |
| Pretax return on assets | 0.7664% | 4,342 |
| Return on Equity (ROE) | 8.0555% | 2,770 |
| Retained earnings to average equity (ytd only) | -2.3263% | 5,308 |
| Net charge-offs to loans | -0.0027% | 4,555 |
| Credit loss provision to net charge-offs | -3,600.0000% | 5,215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6087% | 1,270 |
| Assets per employee ($millions) | 2.8833% | 5,271 |
| Cash dividends to net income (ytd only)* | 128.8783% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2950% | 2,242 |
| Loan loss allowance to noncurrent loans | 171.7241% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 0.5029% | 2,879 |
| Noncurrent loans to loans | 0.7541% | 2,314 |
| Net loans and leases to total assets | 65.8250% | 3,124 |
| Net loans and leases to deposits | 77.3532% | 3,184 |
| Net loans and leases to core deposits | 79.3652% | 3,464 |
| Total domestic deposits to total assets | 85.0967% | 2,803 |
| Equity capital to assets | 8.9083% | 4,810 |
| Core capital (leverage) ratio | 8.0349% | 5,427 |
| Tier 1 risk-based capital ratio | 11.9399% | 4,572 |
| Total risk-based capital ratio | 13.1915% | 4,453 |
| Memoranda: | ||
| Average total assets | $57,022,000 | 5,028 |
| Average earning assets | $51,746,400 | 5,034 |
| Average equity | $5,201,400 | 5,236 |
| Average total loans | $37,128,600 | 4,816 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3748% | 2,035 |
| Cost of funding earning assets | 0.2742% | 4,366 |
| Net interest margin | 4.1006% | 1,387 |
| Noninterest income to average assets | 0.3142% | 4,287 |
| Noninterest expense to average assets | 3.2007% | 1,556 |
| Loan and lease loss provision to assets | 0.0633% | 2,802 |
| Net operating income to assets | 0.7363% | 3,788 |
| Return on assets (ROA) | 0.7363% | 3,866 |
| Pretax return on assets | 0.7668% | 4,436 |
| Return on Equity (ROE) | 8.0241% | 3,115 |
| Retained earnings to average equity (ytd only) | -2.7088% | 5,465 |
| Net charge-offs to loans | -0.0036% | 4,400 |
| Credit loss provision to net charge-offs | -2,700.0000% | 5,118 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5922% | 1,257 |
| Assets per employee ($millions) | 2.8420% | 5,366 |
| Cash dividends to net income (ytd only)* | 133.7577% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3259% | 2,233 |
| Loan loss allowance to noncurrent loans | 173.4043% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 0.4961% | 3,078 |
| Noncurrent loans to loans | 0.7646% | 2,449 |
| Net loans and leases to total assets | 64.0253% | 3,393 |
| Net loans and leases to deposits | 71.1379% | 3,858 |
| Net loans and leases to core deposits | 72.9079% | 4,072 |
| Total domestic deposits to total assets | 90.0018% | 475 |
| Equity capital to assets | 9.1274% | 4,801 |
| Core capital (leverage) ratio | 7.9701% | 5,520 |
| Tier 1 risk-based capital ratio | 12.4979% | 4,312 |
| Total risk-based capital ratio | 13.7475% | 4,233 |
| Memoranda: | ||
| Average total assets | $56,861,250 | 5,083 |
| Average earning assets | $51,536,000 | 5,094 |
| Average equity | $5,217,500 | 5,289 |
| Average total loans | $36,796,750 | 4,872 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3378% | 2,009 |
| Cost of funding earning assets | 0.2752% | 4,333 |
| Net interest margin | 4.0626% | 1,423 |
| Noninterest income to average assets | 0.3200% | 4,265 |
| Noninterest expense to average assets | 3.1722% | 1,645 |
| Loan and lease loss provision to assets | 0.0633% | 2,704 |
| Net operating income to assets | 0.7456% | 3,648 |
| Return on assets (ROA) | 0.7456% | 3,711 |
| Pretax return on assets | 0.7702% | 4,373 |
| Return on Equity (ROE) | 8.1112% | 2,961 |
| Retained earnings to average equity (ytd only) | -2.9078% | 5,424 |
| Net charge-offs to loans | -0.0054% | 4,359 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,935 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3143% | 1,418 |
| Assets per employee ($millions) | 2.8723% | 5,380 |
| Cash dividends to net income (ytd only)* | 135.8491% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2689% | 2,576 |
| Loan loss allowance to noncurrent loans | 174.5455% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 0.4787% | 3,179 |
| Noncurrent loans to loans | 0.7270% | 2,572 |
| Net loans and leases to total assets | 65.0141% | 3,249 |
| Net loans and leases to deposits | 71.8424% | 3,756 |
| Net loans and leases to core deposits | 73.9696% | 3,940 |
| Total domestic deposits to total assets | 90.4954% | 362 |
| Equity capital to assets | 9.1094% | 4,793 |
| Core capital (leverage) ratio | 8.1626% | 5,450 |
| Tier 1 risk-based capital ratio | 12.3029% | 4,425 |
| Total risk-based capital ratio | 13.5522% | 4,314 |
| Memoranda: | ||
| Average total assets | $56,868,330 | 5,119 |
| Average earning assets | $51,593,000 | 5,126 |
| Average equity | $5,227,330 | 5,326 |
| Average total loans | $36,768,670 | 4,906 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3458% | 1,829 |
| Cost of funding earning assets | 0.2726% | 4,328 |
| Net interest margin | 4.0732% | 1,290 |
| Noninterest income to average assets | 0.3181% | 4,276 |
| Noninterest expense to average assets | 3.2238% | 1,543 |
| Loan and lease loss provision to assets | 0.0636% | 2,531 |
| Net operating income to assets | 0.6999% | 3,703 |
| Return on assets (ROA) | 0.6999% | 3,744 |
| Pretax return on assets | 0.7282% | 4,350 |
| Return on Equity (ROE) | 7.5797% | 3,124 |
| Retained earnings to average equity (ytd only) | -3.7516% | 5,313 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4014% | 1,441 |
| Assets per employee ($millions) | 2.8222% | 5,471 |
| Cash dividends to net income (ytd only)* | 149.4949% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2999% | 2,538 |
| Loan loss allowance to noncurrent loans | 173.4317% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 0.5669% | 2,960 |
| Noncurrent loans to loans | 0.7495% | 2,619 |
| Net loans and leases to total assets | 63.2266% | 3,370 |
| Net loans and leases to deposits | 69.9594% | 3,799 |
| Net loans and leases to core deposits | 71.6348% | 4,015 |
| Total domestic deposits to total assets | 90.3761% | 523 |
| Equity capital to assets | 9.2412% | 4,575 |
| Core capital (leverage) ratio | 8.3170% | 5,369 |
| Tier 1 risk-based capital ratio | 12.6569% | 4,289 |
| Total risk-based capital ratio | 13.9067% | 4,193 |
| Memoranda: | ||
| Average total assets | $56,579,500 | 5,178 |
| Average earning assets | $51,360,500 | 5,185 |
| Average equity | $5,224,500 | 5,375 |
| Average total loans | $36,239,000 | 4,966 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3949% | 1,838 |
| Cost of funding earning assets | 0.3291% | 3,760 |
| Net interest margin | 4.0657% | 1,455 |
| Noninterest income to average assets | 0.2932% | 4,642 |
| Noninterest expense to average assets | 3.0825% | 2,090 |
| Loan and lease loss provision to assets | 0.0579% | 3,227 |
| Net operating income to assets | 0.8045% | 3,285 |
| Return on assets (ROA) | 0.8601% | 3,135 |
| Pretax return on assets | 0.8970% | 3,860 |
| Return on Equity (ROE) | 9.1981% | 2,315 |
| Retained earnings to average equity (ytd only) | 0.2628% | 5,213 |
| Net charge-offs to loans | 0.0423% | 3,190 |
| Credit loss provision to net charge-offs | 220.0000% | 1,300 |
| Earnings coverage of net charge-offs (x) | 34.0667% | 1,327 |
| Efficiency ratio | 76.3564% | 1,927 |
| Assets per employee ($millions) | 2.8358% | 5,463 |
| Cash dividends to net income (ytd only)* | 97.1429% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2692% | 2,707 |
| Loan loss allowance to noncurrent loans | 171.3755% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 0.5677% | 3,036 |
| Noncurrent loans to loans | 0.7406% | 2,678 |
| Net loans and leases to total assets | 63.2273% | 3,445 |
| Net loans and leases to deposits | 69.9489% | 3,906 |
| Net loans and leases to core deposits | 73.0733% | 4,001 |
| Total domestic deposits to total assets | 90.3907% | 482 |
| Equity capital to assets | 9.2267% | 4,549 |
| Core capital (leverage) ratio | 8.2103% | 5,502 |
| Tier 1 risk-based capital ratio | 13.2339% | 3,934 |
| Total risk-based capital ratio | 14.4846% | 3,846 |
| Memoranda: | ||
| Average total assets | $56,967,200 | 5,213 |
| Average earning assets | $51,651,000 | 5,217 |
| Average equity | $5,327,200 | 5,406 |
| Average total loans | $35,500,400 | 5,031 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3987% | 1,864 |
| Cost of funding earning assets | 0.3304% | 3,774 |
| Net interest margin | 4.0683% | 1,478 |
| Noninterest income to average assets | 0.2899% | 4,696 |
| Noninterest expense to average assets | 3.0229% | 2,252 |
| Loan and lease loss provision to assets | 0.0561% | 3,124 |
| Net operating income to assets | 0.8588% | 3,109 |
| Return on assets (ROA) | 0.9328% | 2,863 |
| Pretax return on assets | 0.9726% | 3,729 |
| Return on Equity (ROE) | 9.9423% | 2,076 |
| Retained earnings to average equity (ytd only) | 0.9718% | 5,095 |
| Net charge-offs to loans | 0.0567% | 2,556 |
| Credit loss provision to net charge-offs | 160.0000% | 1,704 |
| Earnings coverage of net charge-offs (x) | 27.1325% | 1,575 |
| Efficiency ratio | 74.8824% | 2,125 |
| Assets per employee ($millions) | 3.0307% | 5,364 |
| Cash dividends to net income (ytd only)* | 90.2254% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1900% | 3,300 |
| Loan loss allowance to noncurrent loans | 173.1801% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.5453% | 3,278 |
| Noncurrent loans to loans | 0.6871% | 2,974 |
| Net loans and leases to total assets | 65.1778% | 3,250 |
| Net loans and leases to deposits | 76.0373% | 3,396 |
| Net loans and leases to core deposits | 79.1497% | 3,534 |
| Total domestic deposits to total assets | 85.7183% | 2,498 |
| Equity capital to assets | 9.4471% | 4,714 |
| Core capital (leverage) ratio | 8.3996% | 5,430 |
| Tier 1 risk-based capital ratio | 12.2649% | 4,631 |
| Total risk-based capital ratio | 13.4441% | 4,571 |
| Memoranda: | ||
| Average total assets | $57,030,000 | 5,253 |
| Average earning assets | $51,650,000 | 5,266 |
| Average equity | $5,350,750 | 5,459 |
| Average total loans | $35,295,250 | 5,084 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3827% | 1,879 |
| Cost of funding earning assets | 0.3267% | 3,829 |
| Net interest margin | 4.0560% | 1,492 |
| Noninterest income to average assets | 0.2850% | 4,746 |
| Noninterest expense to average assets | 2.9659% | 2,461 |
| Loan and lease loss provision to assets | 0.0633% | 2,876 |
| Net operating income to assets | 0.8866% | 2,929 |
| Return on assets (ROA) | 0.8866% | 3,049 |
| Pretax return on assets | 0.9253% | 3,856 |
| Return on Equity (ROE) | 9.4719% | 2,284 |
| Retained earnings to average equity (ytd only) | 1.0148% | 4,982 |
| Net charge-offs to loans | 0.0930% | 1,910 |
| Credit loss provision to net charge-offs | 112.5000% | 1,939 |
| Earnings coverage of net charge-offs (x) | 17.5625% | 1,870 |
| Efficiency ratio | 73.6655% | 2,411 |
| Assets per employee ($millions) | 2.9837% | 5,452 |
| Cash dividends to net income (ytd only)* | 89.2857% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2247% | 3,218 |
| Loan loss allowance to noncurrent loans | 174.9020% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.5433% | 3,403 |
| Noncurrent loans to loans | 0.7002% | 2,979 |
| Net loans and leases to total assets | 63.4492% | 3,440 |
| Net loans and leases to deposits | 73.2721% | 3,676 |
| Net loans and leases to core deposits | 76.2868% | 3,792 |
| Total domestic deposits to total assets | 86.5940% | 2,115 |
| Equity capital to assets | 9.6029% | 4,667 |
| Core capital (leverage) ratio | 8.3860% | 5,458 |
| Tier 1 risk-based capital ratio | 12.7143% | 4,379 |
| Total risk-based capital ratio | 13.9242% | 4,310 |
| Memoranda: | ||
| Average total assets | $56,845,330 | 5,318 |
| Average earning assets | $51,429,670 | 5,327 |
| Average equity | $5,321,000 | 5,518 |
| Average total loans | $34,399,000 | 5,162 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3474% | 1,972 |
| Cost of funding earning assets | 0.3189% | 3,959 |
| Net interest margin | 4.0285% | 1,533 |
| Noninterest income to average assets | 0.2741% | 4,766 |
| Noninterest expense to average assets | 3.0146% | 2,347 |
| Loan and lease loss provision to assets | 0.0632% | 2,687 |
| Net operating income to assets | 0.8011% | 3,245 |
| Return on assets (ROA) | 0.8011% | 3,360 |
| Pretax return on assets | 0.8362% | 4,075 |
| Return on Equity (ROE) | 8.6700% | 2,573 |
| Retained earnings to average equity (ytd only) | 0.3042% | 5,041 |
| Net charge-offs to loans | 0.1917% | 1,023 |
| Credit loss provision to net charge-offs | 56.2500% | 2,002 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,095 |
| Efficiency ratio | 75.2244% | 2,294 |
| Assets per employee ($millions) | 2.8114% | 5,676 |
| Cash dividends to net income (ytd only)* | 96.4912% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3133% | 2,837 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0943% | 5,207 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 58.4015% | 3,997 |
| Net loans and leases to deposits | 66.3582% | 4,224 |
| Net loans and leases to core deposits | 69.0643% | 4,315 |
| Total domestic deposits to total assets | 88.0095% | 1,632 |
| Equity capital to assets | 9.4668% | 4,696 |
| Core capital (leverage) ratio | 8.2473% | 5,613 |
| Tier 1 risk-based capital ratio | 13.3712% | 4,055 |
| Total risk-based capital ratio | 14.6210% | 3,981 |
| Memoranda: | ||
| Average total assets | $56,922,500 | 5,368 |
| Average earning assets | $51,433,500 | 5,376 |
| Average equity | $5,259,500 | 5,567 |
| Average total loans | $33,390,500 | 5,230 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2730% | 2,302 |
| Cost of funding earning assets | 0.2704% | 4,581 |
| Net interest margin | 4.0026% | 1,712 |
| Noninterest income to average assets | 0.3012% | 4,724 |
| Noninterest expense to average assets | 3.1246% | 2,164 |
| Loan and lease loss provision to assets | 0.0645% | 3,002 |
| Net operating income to assets | 0.7171% | 3,728 |
| Return on assets (ROA) | 0.7619% | 3,604 |
| Pretax return on assets | 0.7941% | 4,210 |
| Return on Equity (ROE) | 8.1652% | 2,861 |
| Retained earnings to average equity (ytd only) | 1.4217% | 4,916 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9581% | 2,121 |
| Assets per employee ($millions) | 3.0325% | 5,496 |
| Cash dividends to net income (ytd only)* | 82.5882% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3251% | 2,774 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0920% | 5,252 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 57.3824% | 4,161 |
| Net loans and leases to deposits | 67.0751% | 4,215 |
| Net loans and leases to core deposits | 69.8203% | 4,307 |
| Total domestic deposits to total assets | 85.5494% | 2,840 |
| Equity capital to assets | 9.0182% | 5,104 |
| Core capital (leverage) ratio | 8.2529% | 5,641 |
| Tier 1 risk-based capital ratio | 13.3561% | 4,075 |
| Total risk-based capital ratio | 14.6076% | 4,021 |
| Memoranda: | ||
| Average total assets | $55,783,000 | 5,413 |
| Average earning assets | $50,666,600 | 5,420 |
| Average equity | $5,205,000 | 5,604 |
| Average total loans | $33,218,200 | 5,252 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2900% | 2,270 |
| Cost of funding earning assets | 0.2701% | 4,665 |
| Net interest margin | 4.0199% | 1,639 |
| Noninterest income to average assets | 0.2940% | 4,841 |
| Noninterest expense to average assets | 3.1691% | 2,049 |
| Loan and lease loss provision to assets | 0.0651% | 2,886 |
| Net operating income to assets | 0.6894% | 3,949 |
| Return on assets (ROA) | 0.7495% | 3,778 |
| Pretax return on assets | 0.7808% | 4,394 |
| Return on Equity (ROE) | 7.9631% | 3,090 |
| Retained earnings to average equity (ytd only) | 1.2803% | 5,207 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7439% | 1,978 |
| Assets per employee ($millions) | 2.7688% | 5,781 |
| Cash dividends to net income (ytd only)* | 83.9218% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3680% | 2,745 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0957% | 5,366 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 56.6375% | 4,289 |
| Net loans and leases to deposits | 65.1442% | 4,456 |
| Net loans and leases to core deposits | 66.4372% | 4,659 |
| Total domestic deposits to total assets | 86.9418% | 2,071 |
| Equity capital to assets | 9.4935% | 4,759 |
| Core capital (leverage) ratio | 8.3139% | 5,708 |
| Tier 1 risk-based capital ratio | 14.1071% | 3,792 |
| Total risk-based capital ratio | 15.3576% | 3,726 |
| Memoranda: | ||
| Average total assets | $55,324,500 | 5,497 |
| Average earning assets | $50,348,750 | 5,495 |
| Average equity | $5,207,250 | 5,672 |
| Average total loans | $33,146,250 | 5,318 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2593% | 2,327 |
| Cost of funding earning assets | 0.2702% | 4,716 |
| Net interest margin | 3.9892% | 1,668 |
| Noninterest income to average assets | 0.2893% | 4,896 |
| Noninterest expense to average assets | 3.1605% | 2,096 |
| Loan and lease loss provision to assets | 0.0651% | 2,818 |
| Net operating income to assets | 0.6655% | 4,053 |
| Return on assets (ROA) | 0.7558% | 3,715 |
| Pretax return on assets | 0.7883% | 4,354 |
| Return on Equity (ROE) | 8.0529% | 3,020 |
| Retained earnings to average equity (ytd only) | 2.8513% | 4,221 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2288% | 2,034 |
| Assets per employee ($millions) | 2.9079% | 5,702 |
| Cash dividends to net income (ytd only)* | 64.5933% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2105% | 3,731 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0959% | 5,480 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 62.9267% | 3,423 |
| Net loans and leases to deposits | 71.2687% | 3,789 |
| Net loans and leases to core deposits | 72.6644% | 4,070 |
| Total domestic deposits to total assets | 88.2950% | 1,497 |
| Equity capital to assets | 9.3575% | 4,834 |
| Core capital (leverage) ratio | 8.3359% | 5,690 |
| Tier 1 risk-based capital ratio | 12.9158% | 4,566 |
| Total risk-based capital ratio | 14.1006% | 4,515 |
| Memoranda: | ||
| Average total assets | $55,307,670 | 5,557 |
| Average earning assets | $50,336,330 | 5,554 |
| Average equity | $5,190,670 | 5,731 |
| Average total loans | $33,595,670 | 5,337 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1190% | 2,759 |
| Cost of funding earning assets | 0.2624% | 4,876 |
| Net interest margin | 3.8566% | 2,041 |
| Noninterest income to average assets | 0.2747% | 4,978 |
| Noninterest expense to average assets | 3.1661% | 2,072 |
| Loan and lease loss provision to assets | 0.0651% | 2,631 |
| Net operating income to assets | 0.5277% | 4,553 |
| Return on assets (ROA) | 0.5277% | 4,672 |
| Pretax return on assets | 0.5494% | 5,049 |
| Return on Equity (ROE) | 5.6143% | 4,222 |
| Retained earnings to average equity (ytd only) | -2.4611% | 5,741 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2620% | 1,719 |
| Assets per employee ($millions) | 2.5752% | 6,059 |
| Cash dividends to net income (ytd only)* | 143.8356% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2338% | 3,769 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0936% | 5,568 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 58.9226% | 3,811 |
| Net loans and leases to deposits | 66.6321% | 4,089 |
| Net loans and leases to core deposits | 67.9007% | 4,333 |
| Total domestic deposits to total assets | 88.4298% | 1,582 |
| Equity capital to assets | 9.2668% | 5,010 |
| Core capital (leverage) ratio | 8.3621% | 5,672 |
| Tier 1 risk-based capital ratio | 11.3399% | 5,635 |
| Total risk-based capital ratio | 12.3833% | 5,662 |
| Memoranda: | ||
| Average total assets | $55,336,500 | 5,607 |
| Average earning assets | $50,303,000 | 5,610 |
| Average equity | $5,201,000 | 5,780 |
| Average total loans | $32,797,000 | 5,413 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4821% | 1,946 |
| Cost of funding earning assets | 0.2811% | 4,992 |
| Net interest margin | 4.2010% | 1,296 |
| Noninterest income to average assets | 0.3614% | 4,507 |
| Noninterest expense to average assets | 3.3478% | 1,806 |
| Loan and lease loss provision to assets | 0.0571% | 3,403 |
| Net operating income to assets | 0.7133% | 3,823 |
| Return on assets (ROA) | 0.7133% | 3,930 |
| Pretax return on assets | 0.7380% | 4,484 |
| Return on Equity (ROE) | 7.6929% | 3,278 |
| Retained earnings to average equity (ytd only) | -0.6359% | 5,869 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4665% | 2,141 |
| Assets per employee ($millions) | 2.8431% | 5,892 |
| Cash dividends to net income (ytd only)* | 108.2667% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2864% | 3,504 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0981% | 5,636 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 58.1018% | 4,033 |
| Net loans and leases to deposits | 64.6082% | 4,465 |
| Net loans and leases to core deposits | 65.8761% | 4,679 |
| Total domestic deposits to total assets | 89.9295% | 765 |
| Equity capital to assets | 9.5374% | 4,677 |
| Core capital (leverage) ratio | 8.2143% | 5,848 |
| Tier 1 risk-based capital ratio | 11.8702% | 5,447 |
| Total risk-based capital ratio | 12.9544% | 5,455 |
| Memoranda: | ||
| Average total assets | $52,571,600 | 5,730 |
| Average earning assets | $47,321,800 | 5,744 |
| Average equity | $4,874,600 | 5,887 |
| Average total loans | $31,667,000 | 5,498 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5047% | 1,855 |
| Cost of funding earning assets | 0.2819% | 5,078 |
| Net interest margin | 4.2227% | 1,216 |
| Noninterest income to average assets | 0.3320% | 4,779 |
| Noninterest expense to average assets | 3.3863% | 1,709 |
| Loan and lease loss provision to assets | 0.0536% | 3,299 |
| Net operating income to assets | 0.6537% | 4,200 |
| Return on assets (ROA) | 0.6537% | 4,295 |
| Pretax return on assets | 0.6793% | 4,765 |
| Return on Equity (ROE) | 7.1031% | 3,659 |
| Retained earnings to average equity (ytd only) | -2.0811% | 6,082 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8512% | 1,941 |
| Assets per employee ($millions) | 2.8002% | 5,966 |
| Cash dividends to net income (ytd only)* | 129.2980% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2325% | 4,057 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0996% | 5,766 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 60.2485% | 3,744 |
| Net loans and leases to deposits | 68.2886% | 4,098 |
| Net loans and leases to core deposits | 69.6765% | 4,355 |
| Total domestic deposits to total assets | 88.2262% | 1,644 |
| Equity capital to assets | 9.2288% | 5,116 |
| Core capital (leverage) ratio | 8.4038% | 5,752 |
| Tier 1 risk-based capital ratio | 10.9549% | 6,012 |
| Total risk-based capital ratio | 11.9483% | 6,084 |
| Memoranda: | ||
| Average total assets | $52,209,750 | 5,800 |
| Average earning assets | $46,824,500 | 5,819 |
| Average equity | $4,805,250 | 5,967 |
| Average total loans | $31,635,000 | 5,555 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5351% | 1,717 |
| Cost of funding earning assets | 0.2794% | 5,194 |
| Net interest margin | 4.2557% | 1,129 |
| Noninterest income to average assets | 0.3277% | 4,793 |
| Noninterest expense to average assets | 3.3810% | 1,725 |
| Loan and lease loss provision to assets | 0.0463% | 3,389 |
| Net operating income to assets | 0.6901% | 3,895 |
| Return on assets (ROA) | 0.6901% | 3,986 |
| Pretax return on assets | 0.7171% | 4,583 |
| Return on Equity (ROE) | 7.5047% | 3,366 |
| Retained earnings to average equity (ytd only) | -1.7190% | 5,954 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1628% | 2,144 |
| Assets per employee ($millions) | 2.7579% | 6,076 |
| Cash dividends to net income (ytd only)* | 122.9050% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1969% | 4,438 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3397% | 5,020 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 61.5942% | 3,471 |
| Net loans and leases to deposits | 68.4132% | 4,009 |
| Net loans and leases to core deposits | 69.7965% | 4,288 |
| Total domestic deposits to total assets | 90.0326% | 792 |
| Equity capital to assets | 9.3681% | 4,880 |
| Core capital (leverage) ratio | 8.4630% | 5,668 |
| Tier 1 risk-based capital ratio | 12.8018% | 5,032 |
| Total risk-based capital ratio | 13.9313% | 5,042 |
| Memoranda: | ||
| Average total assets | $51,878,670 | 5,859 |
| Average earning assets | $46,525,670 | 5,872 |
| Average equity | $4,770,330 | 6,020 |
| Average total loans | $31,362,000 | 5,613 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5483% | 1,648 |
| Cost of funding earning assets | 0.2853% | 5,213 |
| Net interest margin | 4.2629% | 1,075 |
| Noninterest income to average assets | 0.3100% | 4,883 |
| Noninterest expense to average assets | 3.3632% | 1,800 |
| Loan and lease loss provision to assets | 0.0465% | 3,166 |
| Net operating income to assets | 0.6974% | 3,700 |
| Return on assets (ROA) | 0.6974% | 3,776 |
| Pretax return on assets | 0.7207% | 4,415 |
| Return on Equity (ROE) | 7.6579% | 3,117 |
| Retained earnings to average equity (ytd only) | 0.8509% | 5,250 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9869% | 2,342 |
| Assets per employee ($millions) | 2.7751% | 6,128 |
| Cash dividends to net income (ytd only)* | 88.8889% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2546% | 4,357 |
| Loan loss allowance to noncurrent loans | 265.5172% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.3793% | 5,023 |
| Noncurrent loans to loans | 0.4725% | 4,744 |
| Net loans and leases to total assets | 57.4677% | 3,927 |
| Net loans and leases to deposits | 63.5441% | 4,370 |
| Net loans and leases to core deposits | 64.8136% | 4,611 |
| Total domestic deposits to total assets | 90.4375% | 837 |
| Equity capital to assets | 9.0561% | 5,050 |
| Core capital (leverage) ratio | 8.4656% | 5,686 |
| Tier 1 risk-based capital ratio | 13.1899% | 4,901 |
| Total risk-based capital ratio | 14.3262% | 4,898 |
| Memoranda: | ||
| Average total assets | $51,617,500 | 5,919 |
| Average earning assets | $46,259,500 | 5,933 |
| Average equity | $4,701,000 | 6,070 |
| Average total loans | $30,709,500 | 5,689 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3550% | 2,754 |
| Cost of funding earning assets | 0.3207% | 5,417 |
| Net interest margin | 4.0343% | 1,855 |
| Noninterest income to average assets | 0.3418% | 4,867 |
| Noninterest expense to average assets | 3.2974% | 2,159 |
| Loan and lease loss provision to assets | 0.0340% | 4,437 |
| Net operating income to assets | 0.5401% | 4,558 |
| Return on assets (ROA) | 0.5401% | 4,680 |
| Pretax return on assets | 0.6213% | 4,800 |
| Return on Equity (ROE) | 5.8679% | 4,163 |
| Retained earnings to average equity (ytd only) | 1.1490% | 5,314 |
| Net charge-offs to loans | 0.0063% | 5,338 |
| Credit loss provision to net charge-offs | 900.0000% | 277 |
| Earnings coverage of net charge-offs (x) | 173.5000% | 267 |
| Efficiency ratio | 80.9365% | 2,029 |
| Assets per employee ($millions) | 3.1568% | 5,575 |
| Cash dividends to net income (ytd only)* | 80.4196% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2332% | 4,484 |
| Loan loss allowance to noncurrent loans | 261.3793% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.3960% | 5,066 |
| Noncurrent loans to loans | 0.4718% | 4,814 |
| Net loans and leases to total assets | 60.0974% | 3,697 |
| Net loans and leases to deposits | 66.5468% | 4,235 |
| Net loans and leases to core deposits | 67.9364% | 4,522 |
| Total domestic deposits to total assets | 90.3085% | 913 |
| Equity capital to assets | 9.1609% | 4,849 |
| Core capital (leverage) ratio | 8.6717% | 5,446 |
| Tier 1 risk-based capital ratio | 13.5212% | 4,639 |
| Total risk-based capital ratio | 14.6736% | 4,651 |
| Memoranda: | ||
| Average total assets | $52,950,600 | 5,939 |
| Average earning assets | $47,394,000 | 5,954 |
| Average equity | $4,874,000 | 6,099 |
| Average total loans | $31,924,800 | 5,670 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2797% | 3,082 |
| Cost of funding earning assets | 0.3252% | 5,506 |
| Net interest margin | 3.9546% | 2,098 |
| Noninterest income to average assets | 0.3435% | 4,941 |
| Noninterest expense to average assets | 3.3058% | 2,068 |
| Loan and lease loss provision to assets | 0.0448% | 4,118 |
| Net operating income to assets | 0.4630% | 4,961 |
| Return on assets (ROA) | 0.4630% | 5,110 |
| Pretax return on assets | 0.5352% | 5,254 |
| Return on Equity (ROE) | 5.0244% | 4,710 |
| Retained earnings to average equity (ytd only) | 0.2972% | 5,848 |
| Net charge-offs to loans | 0.0083% | 4,990 |
| Credit loss provision to net charge-offs | 900.0000% | 336 |
| Earnings coverage of net charge-offs (x) | 116.3521% | 441 |
| Efficiency ratio | 82.5753% | 1,743 |
| Assets per employee ($millions) | 3.2621% | 5,357 |
| Cash dividends to net income (ytd only)* | 94.0885% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2271% | 4,757 |
| Loan loss allowance to noncurrent loans | 256.0811% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.3909% | 5,244 |
| Noncurrent loans to loans | 0.4792% | 5,001 |
| Net loans and leases to total assets | 58.4504% | 3,933 |
| Net loans and leases to deposits | 67.7963% | 4,087 |
| Net loans and leases to core deposits | 68.8397% | 4,448 |
| Total domestic deposits to total assets | 86.2146% | 3,128 |
| Equity capital to assets | 8.8498% | 5,365 |
| Core capital (leverage) ratio | 8.3846% | 5,874 |
| Tier 1 risk-based capital ratio | 13.1125% | 5,045 |
| Total risk-based capital ratio | 14.2447% | 5,080 |
| Memoranda: | ||
| Average total assets | $53,561,250 | 5,993 |
| Average earning assets | $47,977,250 | 6,006 |
| Average equity | $4,935,750 | 6,158 |
| Average total loans | $32,222,750 | 5,712 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1970% | 3,382 |
| Cost of funding earning assets | 0.3422% | 5,474 |
| Net interest margin | 3.8548% | 2,361 |
| Noninterest income to average assets | 0.3517% | 4,875 |
| Noninterest expense to average assets | 3.2730% | 2,148 |
| Loan and lease loss provision to assets | 0.0666% | 3,701 |
| Net operating income to assets | 0.4147% | 5,160 |
| Return on assets (ROA) | 0.4147% | 5,321 |
| Pretax return on assets | 0.4739% | 5,455 |
| Return on Equity (ROE) | 4.4433% | 5,029 |
| Retained earnings to average equity (ytd only) | -0.7141% | 5,997 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3010% | 1,716 |
| Assets per employee ($millions) | 3.3514% | 5,170 |
| Cash dividends to net income (ytd only)* | 116.0714% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1834% | 5,076 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1026% | 6,188 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 59.3301% | 3,773 |
| Net loans and leases to deposits | 68.7454% | 3,899 |
| Net loans and leases to core deposits | 70.1692% | 4,255 |
| Total domestic deposits to total assets | 86.3041% | 3,203 |
| Equity capital to assets | 9.0075% | 5,207 |
| Core capital (leverage) ratio | 8.1654% | 6,041 |
| Tier 1 risk-based capital ratio | 12.8953% | 5,226 |
| Total risk-based capital ratio | 14.0255% | 5,241 |
| Memoranda: | ||
| Average total assets | $54,017,330 | 6,018 |
| Average earning assets | $48,511,330 | 6,031 |
| Average equity | $5,041,330 | 6,171 |
| Average total loans | $32,668,330 | 5,728 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1501% | 3,513 |
| Cost of funding earning assets | 0.3541% | 5,491 |
| Net interest margin | 3.7960% | 2,464 |
| Noninterest income to average assets | 0.3763% | 4,656 |
| Noninterest expense to average assets | 3.2758% | 2,142 |
| Loan and lease loss provision to assets | 0.1107% | 2,852 |
| Net operating income to assets | 0.3615% | 5,302 |
| Return on assets (ROA) | 0.3615% | 5,438 |
| Pretax return on assets | 0.3910% | 5,590 |
| Return on Equity (ROE) | 3.8080% | 5,189 |
| Retained earnings to average equity (ytd only) | 1.4766% | 5,251 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1797% | 1,744 |
| Assets per employee ($millions) | 3.3959% | 5,214 |
| Cash dividends to net income (ytd only)* | 61.2245% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1813% | 5,262 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1012% | 6,281 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 58.1956% | 3,761 |
| Net loans and leases to deposits | 64.6943% | 4,227 |
| Net loans and leases to core deposits | 66.7962% | 4,434 |
| Total domestic deposits to total assets | 89.9547% | 1,081 |
| Equity capital to assets | 9.4324% | 4,952 |
| Core capital (leverage) ratio | 8.0363% | 6,107 |
| Tier 1 risk-based capital ratio | 13.4018% | 4,939 |
| Total risk-based capital ratio | 14.4688% | 5,014 |
| Memoranda: | ||
| Average total assets | $54,215,000 | 6,068 |
| Average earning assets | $48,577,500 | 6,084 |
| Average equity | $5,147,000 | 6,202 |
| Average total loans | $32,905,000 | 5,756 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8977% | 1,847 |
| Cost of funding earning assets | 0.5101% | 5,146 |
| Net interest margin | 4.3875% | 1,186 |
| Noninterest income to average assets | 0.5202% | 3,769 |
| Noninterest expense to average assets | 3.5627% | 1,695 |
| Loan and lease loss provision to assets | 0.1254% | 4,050 |
| Net operating income to assets | 0.6708% | 3,876 |
| Return on assets (ROA) | 0.8825% | 3,146 |
| Pretax return on assets | 0.9058% | 3,895 |
| Return on Equity (ROE) | 7.9061% | 3,127 |
| Retained earnings to average equity (ytd only) | 5.9088% | 2,135 |
| Net charge-offs to loans | 0.0429% | 5,311 |
| Credit loss provision to net charge-offs | 450.0000% | 535 |
| Earnings coverage of net charge-offs (x) | 29.1667% | 1,027 |
| Efficiency ratio | 78.8217% | 2,305 |
| Assets per employee ($millions) | 3.3810% | 5,261 |
| Cash dividends to net income (ytd only)* | 25.2632% | 3,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0765% | 5,643 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1017% | 6,333 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 61.8308% | 3,279 |
| Net loans and leases to deposits | 68.8330% | 3,861 |
| Net loans and leases to core deposits | 71.4609% | 4,109 |
| Total domestic deposits to total assets | 89.8273% | 1,053 |
| Equity capital to assets | 9.5552% | 4,811 |
| Core capital (leverage) ratio | 8.0726% | 6,121 |
| Tier 1 risk-based capital ratio | 12.2716% | 5,619 |
| Total risk-based capital ratio | 13.0777% | 5,852 |
| Memoranda: | ||
| Average total assets | $43,057,400 | 6,397 |
| Average earning assets | $37,834,400 | 6,439 |
| Average equity | $4,806,400 | 6,349 |
| Average total loans | $27,944,800 | 6,037 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8953% | 2,022 |
| Cost of funding earning assets | 0.5448% | 5,128 |
| Net interest margin | 4.3506% | 1,346 |
| Noninterest income to average assets | 0.5955% | 3,305 |
| Noninterest expense to average assets | 3.6163% | 1,529 |
| Loan and lease loss provision to assets | 0.1191% | 4,062 |
| Net operating income to assets | 0.6411% | 4,188 |
| Return on assets (ROA) | 0.9397% | 3,022 |
| Pretax return on assets | 0.9761% | 3,802 |
| Return on Equity (ROE) | 8.0297% | 3,276 |
| Retained earnings to average equity (ytd only) | 5.3154% | 3,144 |
| Net charge-offs to loans | 0.0604% | 4,819 |
| Credit loss provision to net charge-offs | 300.0000% | 895 |
| Earnings coverage of net charge-offs (x) | 19.7494% | 1,479 |
| Efficiency ratio | 79.4737% | 2,177 |
| Assets per employee ($millions) | 3.2726% | 5,499 |
| Cash dividends to net income (ytd only)* | 33.8034% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0283% | 5,976 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1050% | 6,462 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 63.5996% | 3,095 |
| Net loans and leases to deposits | 71.0246% | 3,745 |
| Net loans and leases to core deposits | 72.8677% | 4,144 |
| Total domestic deposits to total assets | 89.5459% | 1,096 |
| Equity capital to assets | 9.7399% | 4,874 |
| Core capital (leverage) ratio | 8.0419% | 6,288 |
| Tier 1 risk-based capital ratio | 11.8127% | 6,045 |
| Total risk-based capital ratio | 12.5028% | 6,347 |
| Memoranda: | ||
| Average total assets | $40,297,750 | 6,577 |
| Average earning assets | $35,243,500 | 6,604 |
| Average equity | $4,715,750 | 6,453 |
| Average total loans | $26,478,000 | 6,192 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9811% | 1,842 |
| Cost of funding earning assets | 0.5752% | 5,116 |
| Net interest margin | 4.4059% | 1,183 |
| Noninterest income to average assets | 0.2922% | 5,466 |
| Noninterest expense to average assets | 3.3245% | 2,239 |
| Loan and lease loss provision to assets | 0.1213% | 4,010 |
| Net operating income to assets | 0.6658% | 4,032 |
| Return on assets (ROA) | 1.1633% | 2,037 |
| Pretax return on assets | 1.2074% | 2,892 |
| Return on Equity (ROE) | 9.1986% | 2,717 |
| Retained earnings to average equity (ytd only) | 6.1905% | 2,572 |
| Net charge-offs to loans | 0.0996% | 4,171 |
| Credit loss provision to net charge-offs | 183.3333% | 1,549 |
| Earnings coverage of net charge-offs (x) | 12.2500% | 1,895 |
| Efficiency ratio | 77.3333% | 2,548 |
| Assets per employee ($millions) | 3.5081% | 4,962 |
| Cash dividends to net income (ytd only)* | 32.7014% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3093% | 4,853 |
| 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 | 71.3378% | 1,673 |
| Net loans and leases to deposits | 82.4390% | 2,057 |
| Net loans and leases to core deposits | 85.0588% | 2,553 |
| Total domestic deposits to total assets | 86.5340% | 3,048 |
| Equity capital to assets | 13.1923% | 1,434 |
| Core capital (leverage) ratio | 10.5377% | 2,767 |
| Tier 1 risk-based capital ratio | 15.4950% | 3,444 |
| Total risk-based capital ratio | 16.7469% | 3,409 |
| Memoranda: | ||
| Average total assets | $36,276,330 | 6,725 |
| Average earning assets | $31,639,670 | 6,750 |
| Average equity | $4,587,670 | 6,517 |
| Average total loans | $24,088,000 | 6,362 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9975% | 1,895 |
| Cost of funding earning assets | 0.5872% | 5,234 |
| Net interest margin | 4.4103% | 1,207 |
| Noninterest income to average assets | 0.3037% | 5,447 |
| Noninterest expense to average assets | 3.3086% | 2,258 |
| Loan and lease loss provision to assets | 0.1736% | 3,229 |
| Net operating income to assets | 0.6266% | 4,235 |
| Return on assets (ROA) | 1.6055% | 955 |
| Pretax return on assets | 1.6706% | 1,377 |
| Return on Equity (ROE) | 12.9611% | 1,414 |
| Retained earnings to average equity (ytd only) | 9.2830% | 1,487 |
| Net charge-offs to loans | 0.2047% | 2,899 |
| Credit loss provision to net charge-offs | 133.3333% | 1,827 |
| Earnings coverage of net charge-offs (x) | 6.3333% | 2,227 |
| Efficiency ratio | 76.9029% | 2,663 |
| Assets per employee ($millions) | 3.8084% | 4,406 |
| Cash dividends to net income (ytd only)* | 28.3784% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3521% | 4,797 |
| Loan loss allowance to noncurrent loans | 8,150.0000% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.9952% | 4,507 |
| Noncurrent loans to loans | 0.0166% | 6,739 |
| Net loans and leases to total assets | 62.4514% | 3,161 |
| Net loans and leases to deposits | 71.1563% | 3,562 |
| Net loans and leases to core deposits | 73.2041% | 3,991 |
| Total domestic deposits to total assets | 87.7665% | 2,490 |
| Equity capital to assets | 11.9762% | 2,059 |
| Core capital (leverage) ratio | 10.2737% | 3,029 |
| Tier 1 risk-based capital ratio | 14.9237% | 3,806 |
| Total risk-based capital ratio | 16.1723% | 3,775 |
| Memoranda: | ||
| Average total assets | $36,874,000 | 6,768 |
| Average earning assets | $32,016,000 | 6,794 |
| Average equity | $4,567,500 | 6,557 |
| Average total loans | $23,453,000 | 6,446 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1496% | 2,251 |
| Cost of funding earning assets | 0.7218% | 5,395 |
| Net interest margin | 4.4278% | 1,318 |
| Noninterest income to average assets | 0.4013% | 4,605 |
| Noninterest expense to average assets | 3.4509% | 2,118 |
| Loan and lease loss provision to assets | 0.1244% | 5,052 |
| Net operating income to assets | 0.5511% | 4,225 |
| Return on assets (ROA) | 0.5511% | 4,412 |
| Pretax return on assets | 0.5709% | 4,779 |
| Return on Equity (ROE) | 4.3858% | 4,684 |
| Retained earnings to average equity (ytd only) | 2.2716% | 4,596 |
| Net charge-offs to loans | 0.1488% | 4,954 |
| Credit loss provision to net charge-offs | 141.9355% | 2,053 |
| Earnings coverage of net charge-offs (x) | 7.9355% | 2,237 |
| Efficiency ratio | 80.0273% | 2,296 |
| Assets per employee ($millions) | 3.9627% | 3,941 |
| Cash dividends to net income (ytd only)* | 48.2051% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4125% | 4,401 |
| Loan loss allowance to noncurrent loans | 81.5190% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 1.1076% | 4,396 |
| Noncurrent loans to loans | 1.7328% | 3,569 |
| Net loans and leases to total assets | 63.0159% | 3,399 |
| Net loans and leases to deposits | 72.4337% | 3,739 |
| Net loans and leases to core deposits | 74.6793% | 4,150 |
| Total domestic deposits to total assets | 86.9981% | 2,764 |
| Equity capital to assets | 12.8253% | 1,583 |
| Core capital (leverage) ratio | 10.0846% | 3,241 |
| Tier 1 risk-based capital ratio | 15.6573% | 3,233 |
| Total risk-based capital ratio | 16.9064% | 3,190 |
| Memoranda: | ||
| Average total assets | $35,381,800 | 6,816 |
| Average earning assets | $29,924,600 | 6,874 |
| Average equity | $4,446,200 | 6,616 |
| Average total loans | $20,836,000 | 6,619 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1077% | 2,572 |
| Cost of funding earning assets | 0.7709% | 5,329 |
| Net interest margin | 4.3368% | 1,595 |
| Noninterest income to average assets | 0.3134% | 5,360 |
| Noninterest expense to average assets | 3.4096% | 2,166 |
| Loan and lease loss provision to assets | 0.1435% | 4,648 |
| Net operating income to assets | 0.3814% | 5,075 |
| Return on assets (ROA) | 0.3814% | 5,262 |
| Pretax return on assets | 0.3927% | 5,494 |
| Return on Equity (ROE) | 3.0506% | 5,388 |
| Retained earnings to average equity (ytd only) | 0.8760% | 5,657 |
| Net charge-offs to loans | 0.1901% | 4,274 |
| Credit loss provision to net charge-offs | 131.0345% | 2,429 |
| Earnings coverage of net charge-offs (x) | 4.8960% | 2,930 |
| Efficiency ratio | 83.0622% | 1,841 |
| Assets per employee ($millions) | 3.3512% | 5,362 |
| Cash dividends to net income (ytd only)* | 71.2907% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6436% | 3,471 |
| Loan loss allowance to noncurrent loans | 53.8983% | 4,774 |
| Noncurrent assets plus other real estate owned to assets | 1.6005% | 3,684 |
| Noncurrent loans to loans | 3.0494% | 2,273 |
| Net loans and leases to total assets | 51.6236% | 5,491 |
| Net loans and leases to deposits | 59.0261% | 5,744 |
| Net loans and leases to core deposits | 60.7812% | 5,924 |
| Total domestic deposits to total assets | 87.4590% | 2,374 |
| Equity capital to assets | 12.2670% | 2,043 |
| Core capital (leverage) ratio | 10.2939% | 3,090 |
| Tier 1 risk-based capital ratio | 16.5386% | 2,844 |
| Total risk-based capital ratio | 17.7725% | 2,819 |
| Memoranda: | ||
| Average total assets | $35,311,250 | 6,885 |
| Average earning assets | $29,575,750 | 6,941 |
| Average equity | $4,414,250 | 6,674 |
| Average total loans | $20,346,000 | 6,702 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1118% | 2,623 |
| Cost of funding earning assets | 0.7658% | 5,587 |
| Net interest margin | 4.3460% | 1,521 |
| Noninterest income to average assets | 0.3219% | 5,322 |
| Noninterest expense to average assets | 3.4316% | 2,177 |
| Loan and lease loss provision to assets | 0.1839% | 4,082 |
| Net operating income to assets | 0.4081% | 4,904 |
| Return on assets (ROA) | 0.4081% | 5,062 |
| Pretax return on assets | 0.4254% | 5,318 |
| Return on Equity (ROE) | 3.2432% | 5,285 |
| Retained earnings to average equity (ytd only) | 0.9593% | 5,482 |
| Net charge-offs to loans | 0.2805% | 3,480 |
| Credit loss provision to net charge-offs | 110.3448% | 2,777 |
| Earnings coverage of net charge-offs (x) | 3.6552% | 3,091 |
| Efficiency ratio | 81.5078% | 2,171 |
| Assets per employee ($millions) | 2.8849% | 6,331 |
| Cash dividends to net income (ytd only)* | 70.4225% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5001% | 4,133 |
| 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 | 59.1756% | 4,430 |
| Net loans and leases to deposits | 67.9537% | 4,715 |
| Net loans and leases to core deposits | 70.1143% | 5,061 |
| Total domestic deposits to total assets | 87.0822% | 2,697 |
| Equity capital to assets | 12.7011% | 1,676 |
| Core capital (leverage) ratio | 10.1328% | 3,103 |
| Tier 1 risk-based capital ratio | 16.0283% | 2,965 |
| Total risk-based capital ratio | 17.2763% | 2,928 |
| Memoranda: | ||
| Average total assets | $34,794,000 | 6,968 |
| Average earning assets | $29,774,330 | 7,004 |
| Average equity | $4,378,330 | 6,720 |
| Average total loans | $20,678,670 | 6,756 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9726% | 3,236 |
| Cost of funding earning assets | 0.8064% | 5,541 |
| Net interest margin | 4.1662% | 2,009 |
| Noninterest income to average assets | 0.3211% | 5,351 |
| Noninterest expense to average assets | 3.3026% | 2,553 |
| Loan and lease loss provision to assets | 0.2982% | 2,775 |
| Net operating income to assets | 0.2638% | 5,567 |
| Return on assets (ROA) | 0.2638% | 5,629 |
| Pretax return on assets | 0.2752% | 5,725 |
| Return on Equity (ROE) | 2.1057% | 5,750 |
| Retained earnings to average equity (ytd only) | -0.4578% | 5,878 |
| Net charge-offs to loans | 0.5626% | 2,082 |
| Credit loss provision to net charge-offs | 89.6552% | 2,945 |
| Earnings coverage of net charge-offs (x) | 1.7241% | 3,447 |
| Efficiency ratio | 81.6568% | 2,277 |
| Assets per employee ($millions) | 3.0022% | 6,137 |
| Cash dividends to net income (ytd only)* | 121.7391% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5012% | 4,207 |
| 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 | 55.7320% | 5,042 |
| Net loans and leases to deposits | 63.5802% | 5,313 |
| Net loans and leases to core deposits | 64.7093% | 5,652 |
| Total domestic deposits to total assets | 87.6561% | 2,577 |
| Equity capital to assets | 12.1190% | 1,848 |
| Core capital (leverage) ratio | 10.1778% | 2,948 |
| Tier 1 risk-based capital ratio | 16.3170% | 2,745 |
| Total risk-based capital ratio | 17.5739% | 2,707 |
| Memoranda: | ||
| Average total assets | $34,881,500 | 7,012 |
| Average earning assets | $29,763,000 | 7,060 |
| Average equity | $4,369,000 | 6,760 |
| Average total loans | $20,619,000 | 6,806 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5422% | 2,118 |
| Cost of funding earning assets | 1.0263% | 5,555 |
| Net interest margin | 4.5158% | 1,197 |
| Noninterest income to average assets | 0.3671% | 5,171 |
| Noninterest expense to average assets | 3.8313% | 1,428 |
| Loan and lease loss provision to assets | 0.2269% | 5,008 |
| Net operating income to assets | 0.2670% | 5,045 |
| Return on assets (ROA) | 0.2670% | 5,210 |
| Pretax return on assets | 0.2737% | 5,302 |
| Return on Equity (ROE) | 2.1323% | 5,336 |
| Retained earnings to average equity (ytd only) | -4.7977% | 6,279 |
| Net charge-offs to loans | 0.0096% | 6,735 |
| Credit loss provision to net charge-offs | 3,400.0000% | 61 |
| Earnings coverage of net charge-offs (x) | 75.0000% | 322 |
| Efficiency ratio | 85.2851% | 1,773 |
| Assets per employee ($millions) | 2.8114% | 6,508 |
| Cash dividends to net income (ytd only)* | 325.0000% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4817% | 4,117 |
| 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 | 60.8975% | 4,510 |
| Net loans and leases to deposits | 70.1889% | 4,798 |
| Net loans and leases to core deposits | 72.5459% | 5,158 |
| Total domestic deposits to total assets | 86.7623% | 2,947 |
| Equity capital to assets | 12.9591% | 1,408 |
| Core capital (leverage) ratio | 10.4339% | 2,627 |
| Tier 1 risk-based capital ratio | 16.0528% | 2,727 |
| Total risk-based capital ratio | 17.3050% | 2,683 |
| Memoranda: | ||
| Average total assets | $29,964,000 | 7,209 |
| Average earning assets | $26,307,400 | 7,214 |
| Average equity | $3,751,800 | 7,073 |
| Average total loans | $20,729,800 | 6,887 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5347% | 2,312 |
| Cost of funding earning assets | 1.0569% | 5,667 |
| Net interest margin | 4.4777% | 1,309 |
| Noninterest income to average assets | 0.4043% | 4,928 |
| Noninterest expense to average assets | 3.8500% | 1,282 |
| Loan and lease loss provision to assets | 0.2848% | 4,296 |
| Net operating income to assets | 0.2159% | 5,462 |
| Return on assets (ROA) | 0.2159% | 5,625 |
| Pretax return on assets | 0.2205% | 5,677 |
| Return on Equity (ROE) | 1.7424% | 5,691 |
| Retained earnings to average equity (ytd only) | -6.7836% | 6,696 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3376% | 1,702 |
| Assets per employee ($millions) | 2.7389% | 6,708 |
| Cash dividends to net income (ytd only)* | 489.3250% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2714% | 5,105 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 72.0601% | 2,241 |
| Net loans and leases to deposits | 83.4943% | 2,791 |
| Net loans and leases to core deposits | 84.3868% | 3,887 |
| Total domestic deposits to total assets | 86.3054% | 2,915 |
| Equity capital to assets | 13.2930% | 1,451 |
| Core capital (leverage) ratio | 11.0725% | 2,209 |
| Tier 1 risk-based capital ratio | 14.5863% | 3,462 |
| Total risk-based capital ratio | 15.8337% | 3,435 |
| Memoranda: | ||
| Average total assets | $29,020,750 | 7,330 |
| Average earning assets | $25,607,750 | 7,332 |
| Average equity | $3,596,750 | 7,203 |
| Average total loans | $20,698,750 | 6,975 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3534% | 3,201 |
| Cost of funding earning assets | 1.0804% | 5,788 |
| Net interest margin | 4.2729% | 1,877 |
| Noninterest income to average assets | 0.3821% | 5,068 |
| Noninterest expense to average assets | 3.6339% | 1,695 |
| Loan and lease loss provision to assets | 0.4038% | 3,299 |
| Net operating income to assets | 0.1298% | 5,785 |
| Return on assets (ROA) | 0.1298% | 5,892 |
| Pretax return on assets | 0.1370% | 5,908 |
| Return on Equity (ROE) | 1.0781% | 5,931 |
| Retained earnings to average equity (ytd only) | -11.4993% | 6,974 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1105% | 1,909 |
| Assets per employee ($millions) | 2.6075% | 6,941 |
| Cash dividends to net income (ytd only)* | 1,166.6667% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2749% | 5,059 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 73.9949% | 1,909 |
| Net loans and leases to deposits | 86.2695% | 2,468 |
| Net loans and leases to core deposits | 87.2447% | 3,656 |
| Total domestic deposits to total assets | 85.7718% | 3,220 |
| Equity capital to assets | 13.9342% | 1,183 |
| Core capital (leverage) ratio | 12.5459% | 1,392 |
| Tier 1 risk-based capital ratio | 15.2885% | 3,015 |
| Total risk-based capital ratio | 16.5382% | 2,975 |
| Memoranda: | ||
| Average total assets | $27,738,670 | 7,422 |
| Average earning assets | $24,620,000 | 7,417 |
| Average equity | $3,339,330 | 7,315 |
| Average total loans | $19,602,000 | 7,089 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4192% | 2,946 |
| Cost of funding earning assets | 1.1319% | 5,751 |
| Net interest margin | 4.2873% | 1,721 |
| Noninterest income to average assets | 0.3698% | 5,185 |
| Noninterest expense to average assets | 3.0813% | 3,344 |
| Loan and lease loss provision to assets | 0.0462% | 6,206 |
| Net operating income to assets | 1.0476% | 2,012 |
| Return on assets (ROA) | 1.0476% | 2,073 |
| Pretax return on assets | 1.0939% | 2,754 |
| Return on Equity (ROE) | 9.6147% | 2,241 |
| Retained earnings to average equity (ytd only) | 0.5656% | 5,601 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0730% | 4,289 |
| Assets per employee ($millions) | 3.7351% | 4,481 |
| Cash dividends to net income (ytd only)* | 94.1176% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3680% | 4,586 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 67.8345% | 3,430 |
| Net loans and leases to deposits | 76.2642% | 4,362 |
| Net loans and leases to core deposits | 77.2608% | 5,110 |
| Total domestic deposits to total assets | 88.9467% | 1,544 |
| Equity capital to assets | 10.8277% | 2,930 |
| Core capital (leverage) ratio | 8.8306% | 4,819 |
| Tier 1 risk-based capital ratio | 12.0803% | 5,106 |
| Total risk-based capital ratio | 13.3333% | 5,074 |
| Memoranda: | ||
| Average total assets | $25,963,000 | 7,568 |
| Average earning assets | $23,324,500 | 7,557 |
| Average equity | $2,829,000 | 7,545 |
| Average total loans | $17,677,000 | 7,275 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9065% | 2,201 |
| Cost of funding earning assets | 1.5715% | 5,175 |
| Net interest margin | 4.3350% | 1,617 |
| Noninterest income to average assets | 0.4330% | 4,928 |
| Noninterest expense to average assets | 3.1992% | 3,380 |
| Loan and lease loss provision to assets | 0.0481% | 7,083 |
| Net operating income to assets | 1.0584% | 1,634 |
| Return on assets (ROA) | 1.0584% | 1,676 |
| Pretax return on assets | 1.0784% | 2,313 |
| Return on Equity (ROE) | 9.7223% | 1,773 |
| Retained earnings to average equity (ytd only) | 6.9603% | 971 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8990% | 4,457 |
| Assets per employee ($millions) | 3.6829% | 4,558 |
| Cash dividends to net income (ytd only)* | 28.4091% | 3,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3988% | 4,244 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1746% | 7,044 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 66.4430% | 4,047 |
| Net loans and leases to deposits | 74.8841% | 4,895 |
| Net loans and leases to core deposits | 91.3498% | 4,967 |
| Total domestic deposits to total assets | 88.7277% | 1,616 |
| Equity capital to assets | 10.9659% | 2,732 |
| Core capital (leverage) ratio | 8.8323% | 4,717 |
| Tier 1 risk-based capital ratio | 11.5517% | 5,344 |
| Total risk-based capital ratio | 12.7987% | 5,308 |
| Memoranda: | ||
| Average total assets | $24,944,000 | 7,640 |
| Average earning assets | $22,399,000 | 7,635 |
| Average equity | $2,715,400 | 7,670 |
| Average total loans | $16,988,800 | 7,353 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9660% | 2,167 |
| Cost of funding earning assets | 1.5982% | 5,410 |
| Net interest margin | 4.3679% | 1,538 |
| Noninterest income to average assets | 0.4150% | 5,172 |
| Noninterest expense to average assets | 3.3312% | 2,801 |
| Loan and lease loss provision to assets | 0.0485% | 6,885 |
| Net operating income to assets | 0.9487% | 2,238 |
| Return on assets (ROA) | 0.9487% | 2,301 |
| Pretax return on assets | 0.9541% | 3,046 |
| Return on Equity (ROE) | 8.7315% | 2,364 |
| Retained earnings to average equity (ytd only) | 5.0106% | 2,484 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7562% | 3,906 |
| Assets per employee ($millions) | 3.4651% | 5,014 |
| Cash dividends to net income (ytd only)* | 42.6148% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4148% | 3,867 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1896% | 7,054 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 68.9438% | 3,722 |
| Net loans and leases to deposits | 78.2436% | 4,705 |
| Net loans and leases to core deposits | 98.1282% | 4,585 |
| Total domestic deposits to total assets | 88.1143% | 1,605 |
| Equity capital to assets | 11.2879% | 2,758 |
| Core capital (leverage) ratio | 8.8319% | 4,930 |
| Tier 1 risk-based capital ratio | 11.5142% | 5,411 |
| Total risk-based capital ratio | 12.7651% | 5,366 |
| Memoranda: | ||
| Average total assets | $24,735,000 | 7,718 |
| Average earning assets | $22,191,750 | 7,714 |
| Average equity | $2,687,500 | 7,758 |
| Average total loans | $16,893,000 | 7,426 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9726% | 2,292 |
| Cost of funding earning assets | 1.6232% | 5,649 |
| Net interest margin | 4.3495% | 1,524 |
| Noninterest income to average assets | 0.4178% | 5,138 |
| Noninterest expense to average assets | 3.3260% | 2,866 |
| Loan and lease loss provision to assets | 0.0482% | 6,753 |
| Net operating income to assets | 0.9400% | 2,311 |
| Return on assets (ROA) | 0.9400% | 2,406 |
| Pretax return on assets | 0.9400% | 3,210 |
| Return on Equity (ROE) | 8.7618% | 2,443 |
| Retained earnings to average equity (ytd only) | 5.0175% | 2,493 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9292% | 4,043 |
| Assets per employee ($millions) | 3.5624% | 4,655 |
| Cash dividends to net income (ytd only)* | 42.7350% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4107% | 3,668 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1845% | 7,072 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 66.4194% | 4,475 |
| Net loans and leases to deposits | 74.8272% | 5,341 |
| Net loans and leases to core deposits | 91.6704% | 5,382 |
| Total domestic deposits to total assets | 88.7637% | 1,397 |
| Equity capital to assets | 10.8473% | 3,059 |
| Core capital (leverage) ratio | 8.3521% | 5,709 |
| Tier 1 risk-based capital ratio | 11.2271% | 5,663 |
| Total risk-based capital ratio | 12.4709% | 5,584 |
| Memoranda: | ||
| Average total assets | $24,894,670 | 7,791 |
| Average earning assets | $22,301,670 | 7,779 |
| Average equity | $2,670,670 | 7,831 |
| Average total loans | $16,869,670 | 7,493 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9239% | 2,675 |
| Cost of funding earning assets | 1.6695% | 5,742 |
| Net interest margin | 4.2545% | 1,730 |
| Noninterest income to average assets | 0.4503% | 4,764 |
| Noninterest expense to average assets | 3.3610% | 2,468 |
| Loan and lease loss provision to assets | 0.0482% | 6,368 |
| Net operating income to assets | 0.9006% | 2,703 |
| Return on assets (ROA) | 0.9006% | 2,856 |
| Pretax return on assets | 0.8523% | 3,879 |
| Return on Equity (ROE) | 8.4417% | 2,947 |
| Retained earnings to average equity (ytd only) | 4.6731% | 3,322 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8491% | 3,517 |
| Assets per employee ($millions) | 3.6170% | 4,531 |
| Cash dividends to net income (ytd only)* | 44.6429% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3639% | 3,714 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1856% | 6,981 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 66.8391% | 4,379 |
| Net loans and leases to deposits | 75.0432% | 5,336 |
| Net loans and leases to core deposits | 90.9937% | 5,458 |
| Total domestic deposits to total assets | 89.0675% | 1,198 |
| Equity capital to assets | 10.5415% | 3,422 |
| Core capital (leverage) ratio | 8.1896% | 6,129 |
| Tier 1 risk-based capital ratio | 10.8634% | 6,029 |
| Total risk-based capital ratio | 12.1144% | 5,936 |
| Memoranda: | ||
| Average total assets | $24,873,500 | 7,839 |
| Average earning assets | $22,282,500 | 7,832 |
| Average equity | $2,653,500 | 7,883 |
| Average total loans | $16,904,500 | 7,536 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7436% | 1,890 |
| Cost of funding earning assets | 2.4518% | 4,465 |
| Net interest margin | 4.2918% | 2,006 |
| Noninterest income to average assets | 0.4429% | 5,088 |
| Noninterest expense to average assets | 3.3973% | 2,690 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5633% | 4,467 |
| Return on assets (ROA) | 0.5633% | 4,323 |
| Pretax return on assets | 0.8472% | 3,896 |
| Return on Equity (ROE) | 5.0199% | 4,381 |
| Retained earnings to average equity (ytd only) | 2.7207% | 3,488 |
| Net charge-offs to loans | 0.0060% | 6,881 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 197.0000% | 240 |
| Efficiency ratio | 76.6971% | 3,119 |
| Assets per employee ($millions) | 3.4897% | 4,700 |
| Cash dividends to net income (ytd only)* | 45.8015% | 3,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3872% | 3,274 |
| Loan loss allowance to noncurrent loans | 7,700.0000% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.2047% | 6,752 |
| Noncurrent loans to loans | 0.0180% | 7,456 |
| Net loans and leases to total assets | 67.2220% | 4,597 |
| Net loans and leases to deposits | 75.7951% | 5,609 |
| Net loans and leases to core deposits | 88.7334% | 5,916 |
| Total domestic deposits to total assets | 88.6892% | 1,157 |
| Equity capital to assets | 10.7991% | 3,207 |
| Core capital (leverage) ratio | 8.2019% | 6,162 |
| Tier 1 risk-based capital ratio | 10.3782% | 6,335 |
| Total risk-based capital ratio | 11.5817% | 6,262 |
| Memoranda: | ||
| Average total assets | $23,253,800 | 7,902 |
| Average earning assets | $20,597,200 | 7,910 |
| Average equity | $2,609,600 | 7,948 |
| Average total loans | $16,594,000 | 7,548 |