Home > The Santa Anna National Bank > Performance and Condition Ratios
The Santa Anna National Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5197% | 609 |
| Cost of funding earning assets | 2.0708% | 1,733 |
| Net interest margin | 4.4489% | 681 |
| Noninterest income to average assets | 0.4700% | 1,878 |
| Noninterest expense to average assets | 2.4182% | 2,530 |
| Loan and lease loss provision to assets | 0.0500% | 1,971 |
| Net operating income to assets | 1.7258% | 715 |
| Return on assets (ROA) | 1.7258% | 716 |
| Pretax return on assets | 2.1087% | 579 |
| Return on Equity (ROE) | 27.6500% | 150 |
| Retained earnings to average equity (ytd only) | 27.6500% | 55 |
| Net charge-offs to loans | 0.0293% | 1,417 |
| Credit loss provision to net charge-offs | 300.0000% | 712 |
| Earnings coverage of net charge-offs (x) | 137.0000% | 565 |
| Efficiency ratio | 52.8670% | 3,690 |
| Assets per employee ($millions) | 5.4956% | 3,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3511% | 1,484 |
| Loan loss allowance to noncurrent loans | 271.2195% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.2664% | 2,217 |
| Noncurrent loans to loans | 0.4982% | 1,867 |
| Net loans and leases to total assets | 52.7600% | 3,422 |
| Net loans and leases to deposits | 56.8763% | 3,618 |
| Net loans and leases to core deposits | 67.5137% | 3,409 |
| Total domestic deposits to total assets | 92.7700% | 162 |
| Equity capital to assets | 6.5104% | 4,149 |
| Core capital (leverage) ratio | 8.6191% | 4,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $76,254,000 | 3,983 |
| Average earning assets | $70,310,000 | 3,967 |
| Average equity | $4,759,500 | 4,260 |
| Average total loans | $40,976,500 | 3,947 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5149% | 689 |
| Cost of funding earning assets | 2.0334% | 2,145 |
| Net interest margin | 4.4815% | 668 |
| Noninterest income to average assets | 0.5300% | 1,792 |
| Noninterest expense to average assets | 2.8572% | 1,397 |
| Loan and lease loss provision to assets | 0.0600% | 2,000 |
| Net operating income to assets | 1.5463% | 844 |
| Return on assets (ROA) | 1.5463% | 840 |
| Pretax return on assets | 1.8941% | 717 |
| Return on Equity (ROE) | 21.0700% | 343 |
| Retained earnings to average equity (ytd only) | 4.2975% | 2,512 |
| Net charge-offs to loans | 0.0319% | 1,942 |
| Credit loss provision to net charge-offs | 276.9231% | 927 |
| Earnings coverage of net charge-offs (x) | 97.4615% | 817 |
| Efficiency ratio | 59.4430% | 3,227 |
| Assets per employee ($millions) | 5.3979% | 3,363 |
| Cash dividends to net income (ytd only)* | 79.6020% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3480% | 1,483 |
| Loan loss allowance to noncurrent loans | 261.9048% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.2779% | 2,125 |
| Noncurrent loans to loans | 0.5147% | 1,784 |
| Net loans and leases to total assets | 53.2600% | 3,452 |
| Net loans and leases to deposits | 57.0515% | 3,662 |
| Net loans and leases to core deposits | 68.6537% | 3,411 |
| Total domestic deposits to total assets | 93.3600% | 144 |
| Equity capital to assets | 5.9680% | 4,216 |
| Core capital (leverage) ratio | 8.9219% | 3,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $64,992,800 | 4,093 |
| Average earning assets | $61,965,600 | 4,052 |
| Average equity | $4,770,200 | 4,261 |
| Average total loans | $40,791,600 | 3,951 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5100% | 682 |
| Cost of funding earning assets | 2.0064% | 2,199 |
| Net interest margin | 4.5037% | 636 |
| Noninterest income to average assets | 0.5600% | 1,638 |
| Noninterest expense to average assets | 2.7522% | 1,559 |
| Loan and lease loss provision to assets | 0.0600% | 1,841 |
| Net operating income to assets | 1.6659% | 738 |
| Return on assets (ROA) | 1.6659% | 737 |
| Pretax return on assets | 2.0422% | 606 |
| Return on Equity (ROE) | 21.4800% | 337 |
| Retained earnings to average equity (ytd only) | 18.7231% | 128 |
| Net charge-offs to loans | 0.0360% | 1,615 |
| Credit loss provision to net charge-offs | 245.4545% | 960 |
| Earnings coverage of net charge-offs (x) | 89.2727% | 855 |
| Efficiency ratio | 56.7210% | 3,487 |
| Assets per employee ($millions) | 4.7268% | 3,814 |
| Cash dividends to net income (ytd only)* | 12.8370% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2784% | 1,812 |
| Loan loss allowance to noncurrent loans | 277.0408% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.2962% | 2,028 |
| Noncurrent loans to loans | 0.4614% | 1,931 |
| Net loans and leases to total assets | 63.3700% | 2,597 |
| Net loans and leases to deposits | 69.6365% | 3,013 |
| Net loans and leases to core deposits | 83.7471% | 2,590 |
| Total domestic deposits to total assets | 91.0000% | 347 |
| Equity capital to assets | 8.2191% | 3,583 |
| Core capital (leverage) ratio | 10.5790% | 2,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $62,348,500 | 4,131 |
| Average earning assets | $59,476,000 | 4,103 |
| Average equity | $4,835,250 | 4,281 |
| Average total loans | $40,789,250 | 3,966 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4299% | 684 |
| Cost of funding earning assets | 1.9327% | 2,280 |
| Net interest margin | 4.4971% | 627 |
| Noninterest income to average assets | 0.5600% | 1,597 |
| Noninterest expense to average assets | 2.8229% | 1,405 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.6079% | 787 |
| Return on assets (ROA) | 1.6079% | 785 |
| Pretax return on assets | 1.9681% | 672 |
| Return on Equity (ROE) | 21.1900% | 391 |
| Retained earnings to average equity (ytd only) | 19.0332% | 147 |
| Net charge-offs to loans | 0.0249% | 1,658 |
| Credit loss provision to net charge-offs | 360.0000% | 752 |
| Earnings coverage of net charge-offs (x) | 123.8000% | 681 |
| Efficiency ratio | 58.2039% | 3,369 |
| Assets per employee ($millions) | 4.8657% | 3,708 |
| Cash dividends to net income (ytd only)* | 10.1833% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2847% | 1,804 |
| Loan loss allowance to noncurrent loans | 275.5102% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.3099% | 1,925 |
| Noncurrent loans to loans | 0.4663% | 1,835 |
| Net loans and leases to total assets | 65.6000% | 2,390 |
| Net loans and leases to deposits | 73.0061% | 2,758 |
| Net loans and leases to core deposits | 87.7824% | 2,284 |
| Total domestic deposits to total assets | 89.8500% | 747 |
| Equity capital to assets | 7.6296% | 3,657 |
| Core capital (leverage) ratio | 10.5979% | 2,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $61,073,000 | 4,161 |
| Average earning assets | $58,259,333 | 4,125 |
| Average equity | $4,634,000 | 4,303 |
| Average total loans | $40,227,000 | 3,982 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2534% | 793 |
| Cost of funding earning assets | 1.8536% | 2,357 |
| Net interest margin | 4.3998% | 672 |
| Noninterest income to average assets | 0.5100% | 1,724 |
| Noninterest expense to average assets | 2.8475% | 1,345 |
| Loan and lease loss provision to assets | 0.0600% | 1,561 |
| Net operating income to assets | 1.4804% | 926 |
| Return on assets (ROA) | 1.4804% | 934 |
| Pretax return on assets | 1.8005% | 839 |
| Return on Equity (ROE) | 19.5700% | 475 |
| Retained earnings to average equity (ytd only) | 19.5681% | 208 |
| Net charge-offs to loans | 0.0407% | 1,125 |
| Credit loss provision to net charge-offs | 225.0000% | 773 |
| Earnings coverage of net charge-offs (x) | 69.7500% | 824 |
| Efficiency ratio | 60.4816% | 3,212 |
| Assets per employee ($millions) | 4.3584% | 4,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3178% | 1,691 |
| Loan loss allowance to noncurrent loans | 271.4286% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.3212% | 1,816 |
| Noncurrent loans to loans | 0.4855% | 1,710 |
| Net loans and leases to total assets | 65.2900% | 2,335 |
| Net loans and leases to deposits | 74.3662% | 2,564 |
| Net loans and leases to core deposits | 88.8369% | 2,116 |
| Total domestic deposits to total assets | 87.7900% | 1,496 |
| Equity capital to assets | 7.5011% | 3,673 |
| Core capital (leverage) ratio | 10.5547% | 2,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $59,982,500 | 4,195 |
| Average earning assets | $57,185,000 | 4,161 |
| Average equity | $4,538,000 | 4,334 |
| Average total loans | $39,324,000 | 4,013 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5807% | 1,055 |
| Cost of funding earning assets | 1.2437% | 2,675 |
| Net interest margin | 4.3369% | 766 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 2.8592% | 1,374 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.4561% | 1,105 |
| Return on assets (ROA) | 1.4561% | 1,074 |
| Pretax return on assets | 1.7565% | 952 |
| Return on Equity (ROE) | 19.5700% | 651 |
| Retained earnings to average equity (ytd only) | 3.5095% | 3,119 |
| Net charge-offs to loans | 0.1060% | 870 |
| Credit loss provision to net charge-offs | 92.3077% | 1,933 |
| Earnings coverage of net charge-offs (x) | 27.3077% | 1,689 |
| Efficiency ratio | 61.1314% | 2,957 |
| Assets per employee ($millions) | 4.2105% | 4,080 |
| Cash dividends to net income (ytd only)* | 82.0633% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3768% | 1,479 |
| Loan loss allowance to noncurrent loans | 268.8776% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.3325% | 1,619 |
| Noncurrent loans to loans | 0.5120% | 1,504 |
| Net loans and leases to total assets | 64.0400% | 2,457 |
| Net loans and leases to deposits | 72.9277% | 2,703 |
| Net loans and leases to core deposits | 85.0631% | 2,375 |
| Total domestic deposits to total assets | 87.8200% | 1,412 |
| Equity capital to assets | 7.6323% | 3,639 |
| Core capital (leverage) ratio | 10.3889% | 2,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $58,581,800 | 4,227 |
| Average earning assets | $55,799,800 | 4,190 |
| Average equity | $4,359,600 | 4,319 |
| Average total loans | $36,794,800 | 4,042 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4117% | 1,121 |
| Cost of funding earning assets | 1.1853% | 2,475 |
| Net interest margin | 4.2264% | 885 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 2.6670% | 1,747 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.5227% | 1,078 |
| Return on assets (ROA) | 1.5227% | 1,067 |
| Pretax return on assets | 1.8396% | 944 |
| Return on Equity (ROE) | 20.5900% | 667 |
| Retained earnings to average equity (ytd only) | 17.5112% | 362 |
| Net charge-offs to loans | 0.1281% | 629 |
| Credit loss provision to net charge-offs | 77.1429% | 1,769 |
| Earnings coverage of net charge-offs (x) | 23.8286% | 1,721 |
| Efficiency ratio | 58.3832% | 3,157 |
| Assets per employee ($millions) | 4.8793% | 3,688 |
| Cash dividends to net income (ytd only)* | 14.9701% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3790% | 1,531 |
| Loan loss allowance to noncurrent loans | 265.8163% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.3347% | 1,687 |
| Noncurrent loans to loans | 0.5188% | 1,526 |
| Net loans and leases to total assets | 63.6400% | 2,490 |
| Net loans and leases to deposits | 73.3268% | 2,623 |
| Net loans and leases to core deposits | 83.9079% | 2,331 |
| Total domestic deposits to total assets | 86.7900% | 1,953 |
| Equity capital to assets | 7.4088% | 3,409 |
| Core capital (leverage) ratio | 11.1718% | 1,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $58,490,500 | 4,241 |
| Average earning assets | $55,680,500 | 4,210 |
| Average equity | $4,324,750 | 4,327 |
| Average total loans | $36,424,000 | 4,061 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2761% | 1,112 |
| Cost of funding earning assets | 1.1421% | 2,158 |
| Net interest margin | 4.1340% | 1,032 |
| Noninterest income to average assets | 0.5200% | 1,794 |
| Noninterest expense to average assets | 2.6338% | 1,841 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.4640% | 1,180 |
| Return on assets (ROA) | 1.4640% | 1,166 |
| Pretax return on assets | 1.7616% | 1,091 |
| Return on Equity (ROE) | 19.8100% | 731 |
| Retained earnings to average equity (ytd only) | 17.4986% | 372 |
| Net charge-offs to loans | 0.1724% | 457 |
| Credit loss provision to net charge-offs | 58.0645% | 1,642 |
| Earnings coverage of net charge-offs (x) | 17.1935% | 1,808 |
| Efficiency ratio | 59.0944% | 3,069 |
| Assets per employee ($millions) | 4.9071% | 3,671 |
| Cash dividends to net income (ytd only)* | 11.6822% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4145% | 1,471 |
| Loan loss allowance to noncurrent loans | 263.2653% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.3329% | 1,586 |
| Noncurrent loans to loans | 0.5373% | 1,384 |
| Net loans and leases to total assets | 61.0700% | 2,665 |
| Net loans and leases to deposits | 74.0884% | 2,482 |
| Net loans and leases to core deposits | 85.5573% | 2,104 |
| Total domestic deposits to total assets | 82.4400% | 3,146 |
| Equity capital to assets | 7.4943% | 3,519 |
| Core capital (leverage) ratio | 10.7434% | 2,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $58,470,000 | 4,264 |
| Average earning assets | $55,684,667 | 4,234 |
| Average equity | $4,320,333 | 4,359 |
| Average total loans | $35,971,333 | 4,083 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0126% | 1,206 |
| Cost of funding earning assets | 0.9160% | 2,322 |
| Net interest margin | 4.0966% | 1,101 |
| Noninterest income to average assets | 0.4900% | 1,878 |
| Noninterest expense to average assets | 2.6501% | 1,812 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.4006% | 1,409 |
| Return on assets (ROA) | 1.4006% | 1,387 |
| Pretax return on assets | 1.6752% | 1,329 |
| Return on Equity (ROE) | 19.0900% | 873 |
| Retained earnings to average equity (ytd only) | 19.0922% | 430 |
| Net charge-offs to loans | 0.0896% | 633 |
| Credit loss provision to net charge-offs | 112.5000% | 1,056 |
| Earnings coverage of net charge-offs (x) | 31.6250% | 1,278 |
| Efficiency ratio | 60.4069% | 2,907 |
| Assets per employee ($millions) | 4.9607% | 3,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4364% | 1,472 |
| Loan loss allowance to noncurrent loans | 242.0091% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 0.3679% | 1,399 |
| Noncurrent loans to loans | 0.5935% | 1,255 |
| Net loans and leases to total assets | 61.0900% | 2,548 |
| Net loans and leases to deposits | 75.3351% | 2,177 |
| Net loans and leases to core deposits | 86.1719% | 1,852 |
| Total domestic deposits to total assets | 81.1000% | 3,623 |
| Equity capital to assets | 7.4100% | 3,612 |
| Core capital (leverage) ratio | 10.7205% | 2,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $58,262,500 | 4,329 |
| Average earning assets | $55,460,500 | 4,290 |
| Average equity | $4,274,000 | 4,424 |
| Average total loans | $35,717,000 | 4,139 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5017% | 714 |
| Cost of funding earning assets | 0.2486% | 3,334 |
| Net interest margin | 4.2531% | 466 |
| Noninterest income to average assets | 0.5600% | 1,824 |
| Noninterest expense to average assets | 2.7342% | 1,479 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.5402% | 795 |
| Return on assets (ROA) | 1.5402% | 768 |
| Pretax return on assets | 1.8304% | 679 |
| Return on Equity (ROE) | 18.3900% | 647 |
| Retained earnings to average equity (ytd only) | 3.7787% | 3,470 |
| Net charge-offs to loans | 0.0533% | 1,132 |
| Credit loss provision to net charge-offs | 211.7647% | 1,086 |
| Earnings coverage of net charge-offs (x) | 63.7059% | 1,208 |
| Efficiency ratio | 59.0858% | 3,178 |
| Assets per employee ($millions) | 4.7498% | 3,856 |
| Cash dividends to net income (ytd only)* | 79.4552% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5317% | 1,114 |
| 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 | 59.6600% | 2,668 |
| Net loans and leases to deposits | 67.1067% | 2,803 |
| Net loans and leases to core deposits | 73.0548% | 2,647 |
| Total domestic deposits to total assets | 88.9100% | 1,745 |
| Equity capital to assets | 7.2583% | 3,513 |
| Core capital (leverage) ratio | 10.5516% | 2,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $57,200,800 | 4,366 |
| Average earning assets | $54,712,400 | 4,327 |
| Average equity | $4,790,000 | 4,451 |
| Average total loans | $31,875,400 | 4,210 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3622% | 635 |
| Cost of funding earning assets | 0.2141% | 3,102 |
| Net interest margin | 4.1481% | 469 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 2.5920% | 1,732 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.5813% | 685 |
| Return on assets (ROA) | 1.5813% | 667 |
| Pretax return on assets | 1.8794% | 617 |
| Return on Equity (ROE) | 18.2800% | 610 |
| Retained earnings to average equity (ytd only) | 15.5853% | 311 |
| Net charge-offs to loans | 0.0555% | 930 |
| Credit loss provision to net charge-offs | 207.6923% | 965 |
| Earnings coverage of net charge-offs (x) | 64.1538% | 1,140 |
| Efficiency ratio | 57.1649% | 3,494 |
| Assets per employee ($millions) | 4.6677% | 3,930 |
| Cash dividends to net income (ytd only)* | 14.7275% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5709% | 1,119 |
| 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 | 58.6200% | 2,634 |
| Net loans and leases to deposits | 65.5421% | 2,755 |
| Net loans and leases to core deposits | 71.4531% | 2,534 |
| Total domestic deposits to total assets | 89.4300% | 1,906 |
| Equity capital to assets | 7.5305% | 3,202 |
| Core capital (leverage) ratio | 11.2433% | 1,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $57,251,750 | 4,401 |
| Average earning assets | $54,802,250 | 4,361 |
| Average equity | $4,953,250 | 4,476 |
| Average total loans | $31,210,250 | 4,247 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2188% | 611 |
| Cost of funding earning assets | 0.1954% | 2,977 |
| Net interest margin | 4.0234% | 472 |
| Noninterest income to average assets | 0.5202% | 2,084 |
| Noninterest expense to average assets | 2.5492% | 1,783 |
| Loan and lease loss provision to assets | 0.0624% | 1,480 |
| Net operating income to assets | 1.4914% | 731 |
| Return on assets (ROA) | 1.4914% | 709 |
| Pretax return on assets | 1.7654% | 645 |
| Return on Equity (ROE) | 16.5438% | 632 |
| Retained earnings to average equity (ytd only) | 14.6201% | 299 |
| Net charge-offs to loans | 0.0328% | 1,075 |
| Credit loss provision to net charge-offs | 360.0000% | 732 |
| Earnings coverage of net charge-offs (x) | 105.4000% | 789 |
| Efficiency ratio | 58.2409% | 3,528 |
| Assets per employee ($millions) | 4.6518% | 3,969 |
| Cash dividends to net income (ytd only)* | 11.6279% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6302% | 1,086 |
| 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 | 56.5351% | 2,696 |
| Net loans and leases to deposits | 62.9807% | 2,805 |
| Net loans and leases to core deposits | 68.7320% | 2,587 |
| Total domestic deposits to total assets | 89.7657% | 1,813 |
| Equity capital to assets | 7.6690% | 3,362 |
| Core capital (leverage) ratio | 10.8740% | 1,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,665,000 | 4,441 |
| Average earning assets | $55,276,667 | 4,410 |
| Average equity | $5,198,333 | 4,501 |
| Average total loans | $30,495,000 | 4,306 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2151% | 502 |
| Cost of funding earning assets | 0.1990% | 2,816 |
| Net interest margin | 4.0160% | 403 |
| Noninterest income to average assets | 0.5462% | 1,922 |
| Noninterest expense to average assets | 2.4647% | 1,973 |
| Loan and lease loss provision to assets | 0.0614% | 1,312 |
| Net operating income to assets | 1.5840% | 530 |
| Return on assets (ROA) | 1.5840% | 527 |
| Pretax return on assets | 1.8776% | 465 |
| Return on Equity (ROE) | 16.4045% | 493 |
| Retained earnings to average equity (ytd only) | 16.4045% | 213 |
| Net charge-offs to loans | 0.0808% | 597 |
| Credit loss provision to net charge-offs | 150.0000% | 860 |
| Earnings coverage of net charge-offs (x) | 47.3333% | 942 |
| Efficiency ratio | 55.9690% | 3,884 |
| Assets per employee ($millions) | 4.7874% | 3,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7722% | 922 |
| 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 | 49.5901% | 3,211 |
| Net loans and leases to deposits | 54.8213% | 3,357 |
| Net loans and leases to core deposits | 59.1881% | 3,216 |
| Total domestic deposits to total assets | 90.4576% | 1,318 |
| Equity capital to assets | 9.1873% | 2,536 |
| Core capital (leverage) ratio | 10.3596% | 1,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,586,500 | 4,458 |
| Average earning assets | $56,274,500 | 4,421 |
| Average equity | $5,657,000 | 4,502 |
| Average total loans | $29,701,500 | 4,332 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2871% | 864 |
| Cost of funding earning assets | 0.2185% | 3,276 |
| Net interest margin | 4.0686% | 628 |
| Noninterest income to average assets | 0.4940% | 2,598 |
| Noninterest expense to average assets | 2.6304% | 1,799 |
| Loan and lease loss provision to assets | 0.0642% | 1,783 |
| Net operating income to assets | 1.4605% | 1,104 |
| Return on assets (ROA) | 1.4605% | 1,171 |
| Pretax return on assets | 1.7173% | 1,103 |
| Return on Equity (ROE) | 12.7190% | 1,563 |
| Retained earnings to average equity (ytd only) | 0.2951% | 4,417 |
| Net charge-offs to loans | 0.0334% | 1,566 |
| Credit loss provision to net charge-offs | 360.0000% | 969 |
| Earnings coverage of net charge-offs (x) | 99.9000% | 885 |
| Efficiency ratio | 59.6200% | 3,210 |
| Assets per employee ($millions) | 4.9770% | 3,755 |
| Cash dividends to net income (ytd only)* | 97.6801% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6776% | 1,097 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 50.0469% | 3,274 |
| Net loans and leases to deposits | 55.9099% | 3,429 |
| Net loans and leases to core deposits | 60.5649% | 3,279 |
| Total domestic deposits to total assets | 89.5134% | 1,229 |
| Equity capital to assets | 10.1065% | 2,552 |
| Core capital (leverage) ratio | 9.8336% | 2,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,075,200 | 4,499 |
| Average earning assets | $53,998,600 | 4,466 |
| Average equity | $6,439,200 | 4,487 |
| Average total loans | $29,933,400 | 4,375 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3327% | 904 |
| Cost of funding earning assets | 0.2235% | 3,391 |
| Net interest margin | 4.1092% | 644 |
| Noninterest income to average assets | 0.5293% | 2,501 |
| Noninterest expense to average assets | 2.5016% | 2,112 |
| Loan and lease loss provision to assets | 0.0653% | 1,692 |
| Net operating income to assets | 1.6194% | 986 |
| Return on assets (ROA) | 1.6194% | 1,029 |
| Pretax return on assets | 1.9167% | 916 |
| Return on Equity (ROE) | 13.6592% | 1,493 |
| Retained earnings to average equity (ytd only) | 11.6205% | 916 |
| Net charge-offs to loans | 0.0358% | 1,362 |
| Credit loss provision to net charge-offs | 337.5000% | 943 |
| Earnings coverage of net charge-offs (x) | 102.5000% | 860 |
| Efficiency ratio | 55.7951% | 3,553 |
| Assets per employee ($millions) | 5.2753% | 3,426 |
| Cash dividends to net income (ytd only)* | 14.9254% | 2,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6114% | 1,313 |
| 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 | 52.9279% | 3,091 |
| Net loans and leases to deposits | 60.3103% | 3,205 |
| Net loans and leases to core deposits | 65.6836% | 2,979 |
| Total domestic deposits to total assets | 87.7594% | 1,966 |
| Equity capital to assets | 11.6823% | 1,547 |
| Core capital (leverage) ratio | 10.9609% | 1,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,163,000 | 4,569 |
| Average earning assets | $53,083,250 | 4,534 |
| Average equity | $6,540,000 | 4,539 |
| Average total loans | $29,816,750 | 4,439 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3455% | 930 |
| Cost of funding earning assets | 0.2342% | 3,434 |
| Net interest margin | 4.1113% | 678 |
| Noninterest income to average assets | 0.5350% | 2,468 |
| Noninterest expense to average assets | 2.5236% | 2,070 |
| Loan and lease loss provision to assets | 0.0664% | 1,716 |
| Net operating income to assets | 1.6049% | 1,038 |
| Return on assets (ROA) | 1.6049% | 1,097 |
| Pretax return on assets | 1.8964% | 1,027 |
| Return on Equity (ROE) | 13.4668% | 1,575 |
| Retained earnings to average equity (ytd only) | 11.9189% | 936 |
| Net charge-offs to loans | 0.0545% | 1,077 |
| Credit loss provision to net charge-offs | 225.0000% | 998 |
| Earnings coverage of net charge-offs (x) | 66.5000% | 924 |
| Efficiency ratio | 56.2500% | 3,514 |
| Assets per employee ($millions) | 4.6837% | 3,949 |
| Cash dividends to net income (ytd only)* | 11.4943% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6153% | 1,237 |
| 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 | 53.5353% | 3,189 |
| Net loans and leases to deposits | 61.0349% | 3,298 |
| Net loans and leases to core deposits | 66.2987% | 3,089 |
| Total domestic deposits to total assets | 87.7126% | 1,978 |
| Equity capital to assets | 11.7732% | 1,470 |
| Core capital (leverage) ratio | 11.2341% | 1,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,208,000 | 4,608 |
| Average earning assets | $52,100,000 | 4,572 |
| Average equity | $6,460,333 | 4,575 |
| Average total loans | $29,350,333 | 4,479 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4117% | 901 |
| Cost of funding earning assets | 0.2429% | 3,540 |
| Net interest margin | 4.1687% | 639 |
| Noninterest income to average assets | 0.5939% | 2,238 |
| Noninterest expense to average assets | 2.6010% | 1,881 |
| Loan and lease loss provision to assets | 0.0677% | 1,802 |
| Net operating income to assets | 1.6313% | 1,060 |
| Return on assets (ROA) | 1.6313% | 1,111 |
| Pretax return on assets | 1.9245% | 1,071 |
| Return on Equity (ROE) | 13.6008% | 1,515 |
| Retained earnings to average equity (ytd only) | 13.6008% | 799 |
| Net charge-offs to loans | 0.0835% | 776 |
| Credit loss provision to net charge-offs | 150.0000% | 980 |
| Earnings coverage of net charge-offs (x) | 44.1667% | 947 |
| Efficiency ratio | 56.6285% | 3,471 |
| Assets per employee ($millions) | 4.4368% | 4,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6829% | 1,090 |
| Loan loss allowance to noncurrent loans | 2,319.0476% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.0394% | 4,091 |
| Noncurrent loans to loans | 0.0726% | 3,928 |
| Net loans and leases to total assets | 53.4371% | 3,297 |
| Net loans and leases to deposits | 61.0851% | 3,400 |
| Net loans and leases to core deposits | 66.7316% | 3,178 |
| Total domestic deposits to total assets | 87.4798% | 2,101 |
| Equity capital to assets | 12.0281% | 1,269 |
| Core capital (leverage) ratio | 11.2190% | 1,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,210,000 | 4,639 |
| Average earning assets | $51,046,500 | 4,602 |
| Average equity | $6,382,000 | 4,595 |
| Average total loans | $28,734,000 | 4,519 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8577% | 658 |
| Cost of funding earning assets | 0.3458% | 3,889 |
| Net interest margin | 4.5118% | 324 |
| Noninterest income to average assets | 0.4203% | 3,012 |
| Noninterest expense to average assets | 2.9955% | 1,451 |
| Loan and lease loss provision to assets | 0.2007% | 1,954 |
| Net operating income to assets | 1.3330% | 1,167 |
| Return on assets (ROA) | 1.3330% | 1,262 |
| Pretax return on assets | 1.5470% | 1,204 |
| Return on Equity (ROE) | 11.1502% | 1,573 |
| Retained earnings to average equity (ytd only) | 0.0634% | 4,499 |
| Net charge-offs to loans | 0.2382% | 735 |
| Credit loss provision to net charge-offs | 151.4286% | 2,417 |
| Earnings coverage of net charge-offs (x) | 13.1857% | 2,292 |
| Efficiency ratio | 63.1537% | 2,950 |
| Assets per employee ($millions) | 4.4315% | 3,986 |
| Cash dividends to net income (ytd only)* | 99.4318% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6965% | 1,046 |
| 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 | 52.7399% | 3,608 |
| Net loans and leases to deposits | 60.2686% | 3,736 |
| Net loans and leases to core deposits | 65.5755% | 3,575 |
| Total domestic deposits to total assets | 87.5080% | 1,703 |
| Equity capital to assets | 11.9598% | 1,593 |
| Core capital (leverage) ratio | 10.7368% | 1,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,813,200 | 4,615 |
| Average earning assets | $50,600,200 | 4,576 |
| Average equity | $6,313,800 | 4,605 |
| Average total loans | $29,385,600 | 4,529 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9384% | 682 |
| Cost of funding earning assets | 0.3620% | 3,995 |
| Net interest margin | 4.5764% | 325 |
| Noninterest income to average assets | 0.4552% | 2,826 |
| Noninterest expense to average assets | 2.8577% | 1,808 |
| Loan and lease loss provision to assets | 0.2124% | 1,899 |
| Net operating income to assets | 1.5047% | 897 |
| Return on assets (ROA) | 1.5047% | 982 |
| Pretax return on assets | 1.7652% | 839 |
| Return on Equity (ROE) | 12.5878% | 1,224 |
| Retained earnings to average equity (ytd only) | 10.4722% | 676 |
| Net charge-offs to loans | 0.3198% | 493 |
| Credit loss provision to net charge-offs | 118.3099% | 2,506 |
| Earnings coverage of net charge-offs (x) | 11.0141% | 2,322 |
| Efficiency ratio | 59.1004% | 3,508 |
| Assets per employee ($millions) | 4.4409% | 3,915 |
| Cash dividends to net income (ytd only)* | 16.8067% | 2,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5580% | 1,207 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1501% | 3,666 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 54.6584% | 3,739 |
| Net loans and leases to deposits | 63.1433% | 3,852 |
| Net loans and leases to core deposits | 68.7484% | 3,713 |
| Total domestic deposits to total assets | 86.5625% | 1,832 |
| Equity capital to assets | 12.7958% | 1,276 |
| Core capital (leverage) ratio | 11.8623% | 1,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,722,000 | 4,636 |
| Average earning assets | $50,460,750 | 4,595 |
| Average equity | $6,302,250 | 4,631 |
| Average total loans | $29,599,500 | 4,547 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0552% | 752 |
| Cost of funding earning assets | 0.3901% | 4,075 |
| Net interest margin | 4.6651% | 364 |
| Noninterest income to average assets | 0.4416% | 2,847 |
| Noninterest expense to average assets | 2.9011% | 1,828 |
| Loan and lease loss provision to assets | 0.1942% | 2,095 |
| Net operating income to assets | 1.5419% | 861 |
| Return on assets (ROA) | 1.5419% | 932 |
| Pretax return on assets | 1.8084% | 801 |
| Return on Equity (ROE) | 13.2137% | 1,051 |
| Retained earnings to average equity (ytd only) | 11.5824% | 515 |
| Net charge-offs to loans | 0.4594% | 346 |
| Credit loss provision to net charge-offs | 75.0000% | 2,526 |
| Earnings coverage of net charge-offs (x) | 7.7353% | 2,343 |
| Efficiency ratio | 59.1615% | 3,534 |
| Assets per employee ($millions) | 4.3494% | 3,956 |
| Cash dividends to net income (ytd only)* | 12.3457% | 2,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4556% | 1,385 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1667% | 3,690 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 55.9040% | 3,693 |
| Net loans and leases to deposits | 64.4846% | 3,849 |
| Net loans and leases to core deposits | 70.3372% | 3,676 |
| Total domestic deposits to total assets | 86.6936% | 1,733 |
| Equity capital to assets | 12.7258% | 1,267 |
| Core capital (leverage) ratio | 11.4672% | 1,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,532,333 | 4,654 |
| Average earning assets | $50,245,667 | 4,616 |
| Average equity | $6,130,000 | 4,674 |
| Average total loans | $29,603,000 | 4,570 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1209% | 765 |
| Cost of funding earning assets | 0.4446% | 4,176 |
| Net interest margin | 4.6763% | 351 |
| Noninterest income to average assets | 0.5237% | 2,422 |
| Noninterest expense to average assets | 3.0359% | 1,792 |
| Loan and lease loss provision to assets | 0.1366% | 2,017 |
| Net operating income to assets | 1.5559% | 692 |
| Return on assets (ROA) | 1.5559% | 760 |
| Pretax return on assets | 1.8216% | 667 |
| Return on Equity (ROE) | 13.9598% | 704 |
| Retained earnings to average equity (ytd only) | 13.9598% | 255 |
| Net charge-offs to loans | 0.8649% | 171 |
| Credit loss provision to net charge-offs | 28.1250% | 2,163 |
| Earnings coverage of net charge-offs (x) | 4.0313% | 2,163 |
| Efficiency ratio | 60.7903% | 3,641 |
| Assets per employee ($millions) | 4.2897% | 3,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3540% | 1,892 |
| Loan loss allowance to noncurrent loans | 1,914.2857% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.2098% | 3,636 |
| Noncurrent loans to loans | 0.0707% | 4,239 |
| Net loans and leases to total assets | 56.8964% | 3,762 |
| Net loans and leases to deposits | 68.1909% | 3,720 |
| Net loans and leases to core deposits | 75.1148% | 3,560 |
| Total domestic deposits to total assets | 83.4369% | 2,964 |
| Equity capital to assets | 11.2538% | 2,635 |
| Core capital (leverage) ratio | 11.0897% | 2,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,702,000 | 4,673 |
| Average earning assets | $50,381,500 | 4,633 |
| Average equity | $5,874,000 | 4,739 |
| Average total loans | $29,600,000 | 4,603 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1516% | 1,104 |
| Cost of funding earning assets | 0.4273% | 4,351 |
| Net interest margin | 4.7243% | 442 |
| Noninterest income to average assets | 0.5482% | 2,489 |
| Noninterest expense to average assets | 3.0265% | 1,948 |
| Loan and lease loss provision to assets | 0.1390% | 1,532 |
| Net operating income to assets | 1.6448% | 746 |
| Return on assets (ROA) | 1.6464% | 793 |
| Pretax return on assets | 1.9302% | 696 |
| Return on Equity (ROE) | 14.3903% | 818 |
| Retained earnings to average equity (ytd only) | 2.5811% | 3,741 |
| Net charge-offs to loans | 0.0989% | 1,736 |
| Credit loss provision to net charge-offs | 257.1429% | 1,067 |
| Earnings coverage of net charge-offs (x) | 38.2500% | 1,355 |
| Efficiency ratio | 59.4164% | 3,773 |
| Assets per employee ($millions) | 4.4940% | 3,228 |
| Cash dividends to net income (ytd only)* | 82.0633% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5181% | 1,170 |
| Loan loss allowance to noncurrent loans | 2,133.3333% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.3616% | 2,954 |
| Noncurrent loans to loans | 0.0712% | 4,250 |
| Net loans and leases to total assets | 53.8904% | 4,082 |
| Net loans and leases to deposits | 64.3420% | 4,057 |
| Net loans and leases to core deposits | 70.0830% | 3,959 |
| Total domestic deposits to total assets | 83.7561% | 2,931 |
| Equity capital to assets | 11.0425% | 2,950 |
| Core capital (leverage) ratio | 10.5972% | 2,860 |
| Tier 1 risk-based capital ratio | 16.3440% | 2,274 |
| Total risk-based capital ratio | 17.5929% | 2,220 |
| Memoranda: | ||
| Average total assets | $51,808,600 | 4,723 |
| Average earning assets | $49,848,200 | 4,677 |
| Average equity | $5,927,600 | 4,765 |
| Average total loans | $28,314,000 | 4,677 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1300% | 1,214 |
| Cost of funding earning assets | 0.4102% | 4,468 |
| Net interest margin | 4.7199% | 477 |
| Noninterest income to average assets | 0.5746% | 2,334 |
| Noninterest expense to average assets | 2.8263% | 2,487 |
| Loan and lease loss provision to assets | 0.1404% | 1,378 |
| Net operating income to assets | 1.8257% | 580 |
| Return on assets (ROA) | 1.8279% | 611 |
| Pretax return on assets | 2.1581% | 492 |
| Return on Equity (ROE) | 15.8309% | 635 |
| Retained earnings to average equity (ytd only) | 13.5790% | 228 |
| Net charge-offs to loans | 0.0286% | 2,524 |
| Credit loss provision to net charge-offs | 900.0000% | 389 |
| Earnings coverage of net charge-offs (x) | 147.1625% | 550 |
| Efficiency ratio | 55.1777% | 4,258 |
| Assets per employee ($millions) | 4.5210% | 3,166 |
| Cash dividends to net income (ytd only)* | 14.2247% | 3,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5706% | 1,060 |
| Loan loss allowance to noncurrent loans | 162.5899% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 0.5124% | 2,477 |
| Noncurrent loans to loans | 0.9660% | 1,662 |
| Net loans and leases to total assets | 52.2119% | 4,305 |
| Net loans and leases to deposits | 63.6153% | 4,201 |
| Net loans and leases to core deposits | 69.3755% | 4,086 |
| Total domestic deposits to total assets | 82.0744% | 3,457 |
| Equity capital to assets | 11.8115% | 2,408 |
| Core capital (leverage) ratio | 11.9750% | 1,868 |
| Tier 1 risk-based capital ratio | 17.8843% | 1,854 |
| Total risk-based capital ratio | 19.1343% | 1,798 |
| Memoranda: | ||
| Average total assets | $51,278,750 | 4,799 |
| Average earning assets | $49,407,000 | 4,749 |
| Average equity | $5,920,750 | 4,830 |
| Average total loans | $28,015,000 | 4,748 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1600% | 1,079 |
| Cost of funding earning assets | 0.4128% | 4,456 |
| Net interest margin | 4.7472% | 450 |
| Noninterest income to average assets | 0.6244% | 2,043 |
| Noninterest expense to average assets | 2.8953% | 2,295 |
| Loan and lease loss provision to assets | 0.1432% | 1,298 |
| Net operating income to assets | 1.8301% | 560 |
| Return on assets (ROA) | 1.8335% | 583 |
| Pretax return on assets | 2.1636% | 483 |
| Return on Equity (ROE) | 16.0116% | 587 |
| Retained earnings to average equity (ytd only) | 14.2750% | 215 |
| Net charge-offs to loans | 0.0360% | 2,151 |
| Credit loss provision to net charge-offs | 720.0000% | 455 |
| Earnings coverage of net charge-offs (x) | 115.8000% | 620 |
| Efficiency ratio | 55.7001% | 4,284 |
| Assets per employee ($millions) | 4.2574% | 3,491 |
| Cash dividends to net income (ytd only)* | 10.8460% | 3,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5725% | 1,092 |
| Loan loss allowance to noncurrent loans | 160.5166% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 0.5304% | 2,433 |
| Noncurrent loans to loans | 0.9796% | 1,669 |
| Net loans and leases to total assets | 53.2952% | 4,269 |
| Net loans and leases to deposits | 60.8447% | 4,387 |
| Net loans and leases to core deposits | 67.3377% | 4,244 |
| Total domestic deposits to total assets | 87.5922% | 1,290 |
| Equity capital to assets | 12.0182% | 2,169 |
| Core capital (leverage) ratio | 11.9236% | 1,875 |
| Tier 1 risk-based capital ratio | 18.1424% | 1,769 |
| Total risk-based capital ratio | 19.3935% | 1,722 |
| Memoranda: | ||
| Average total assets | $50,287,670 | 4,844 |
| Average earning assets | $48,449,670 | 4,799 |
| Average equity | $5,758,330 | 4,879 |
| Average total loans | $27,760,670 | 4,790 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1523% | 998 |
| Cost of funding earning assets | 0.4245% | 4,380 |
| Net interest margin | 4.7278% | 466 |
| Noninterest income to average assets | 0.6495% | 1,821 |
| Noninterest expense to average assets | 2.8705% | 2,355 |
| Loan and lease loss provision to assets | 0.1443% | 1,180 |
| Net operating income to assets | 1.8522% | 506 |
| Return on assets (ROA) | 1.8522% | 521 |
| Pretax return on assets | 2.1889% | 462 |
| Return on Equity (ROE) | 16.5963% | 517 |
| Retained earnings to average equity (ytd only) | 16.5963% | 196 |
| Net charge-offs to loans | 0.0288% | 1,884 |
| Credit loss provision to net charge-offs | 900.0000% | 396 |
| Earnings coverage of net charge-offs (x) | 145.5000% | 514 |
| Efficiency ratio | 55.1618% | 4,416 |
| Assets per employee ($millions) | 4.1941% | 3,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4976% | 1,348 |
| Loan loss allowance to noncurrent loans | 1,611.5385% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.0517% | 4,570 |
| Noncurrent loans to loans | 0.0929% | 4,332 |
| Net loans and leases to total assets | 54.7597% | 4,152 |
| Net loans and leases to deposits | 63.7167% | 4,201 |
| Net loans and leases to core deposits | 69.4014% | 4,113 |
| Total domestic deposits to total assets | 85.9425% | 2,307 |
| Equity capital to assets | 11.4427% | 2,453 |
| Core capital (leverage) ratio | 11.5574% | 2,097 |
| Tier 1 risk-based capital ratio | 17.6657% | 1,891 |
| Total risk-based capital ratio | 18.9155% | 1,850 |
| Memoranda: | ||
| Average total assets | $49,887,000 | 4,899 |
| Average earning assets | $48,056,000 | 4,858 |
| Average equity | $5,567,500 | 4,950 |
| Average total loans | $27,809,500 | 4,845 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8678% | 1,374 |
| Cost of funding earning assets | 0.3494% | 4,285 |
| Net interest margin | 4.5184% | 735 |
| Noninterest income to average assets | 0.5950% | 2,323 |
| Noninterest expense to average assets | 2.9647% | 2,151 |
| Loan and lease loss provision to assets | 0.1315% | 1,667 |
| Net operating income to assets | 1.5845% | 911 |
| Return on assets (ROA) | 1.5845% | 901 |
| Pretax return on assets | 1.8436% | 823 |
| Return on Equity (ROE) | 14.2998% | 980 |
| Retained earnings to average equity (ytd only) | 3.3421% | 3,741 |
| Net charge-offs to loans | 0.1623% | 1,185 |
| Credit loss provision to net charge-offs | 151.1628% | 1,821 |
| Earnings coverage of net charge-offs (x) | 22.6977% | 1,889 |
| Efficiency ratio | 60.0164% | 3,858 |
| Assets per employee ($millions) | 4.1204% | 3,718 |
| Cash dividends to net income (ytd only)* | 76.6284% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4616% | 1,411 |
| Loan loss allowance to noncurrent loans | 939.5349% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.0870% | 4,382 |
| Noncurrent loans to loans | 0.1556% | 4,041 |
| Net loans and leases to total assets | 55.0834% | 4,200 |
| Net loans and leases to deposits | 63.3911% | 4,285 |
| Net loans and leases to core deposits | 69.1023% | 4,168 |
| Total domestic deposits to total assets | 86.8945% | 1,831 |
| Equity capital to assets | 10.8727% | 2,818 |
| Core capital (leverage) ratio | 11.4137% | 2,167 |
| Tier 1 risk-based capital ratio | 17.1499% | 2,011 |
| Total risk-based capital ratio | 18.3920% | 1,960 |
| Memoranda: | ||
| Average total assets | $49,415,000 | 4,948 |
| Average earning assets | $47,516,400 | 4,906 |
| Average equity | $5,475,600 | 4,976 |
| Average total loans | $26,490,200 | 4,895 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7988% | 1,433 |
| Cost of funding earning assets | 0.3452% | 4,217 |
| Net interest margin | 4.4536% | 814 |
| Noninterest income to average assets | 0.5802% | 2,415 |
| Noninterest expense to average assets | 2.7957% | 2,645 |
| Loan and lease loss provision to assets | 0.1322% | 1,523 |
| Net operating income to assets | 1.6569% | 824 |
| Return on assets (ROA) | 1.6569% | 835 |
| Pretax return on assets | 1.9349% | 758 |
| Return on Equity (ROE) | 14.8832% | 898 |
| Retained earnings to average equity (ytd only) | 12.4592% | 423 |
| Net charge-offs to loans | 0.2188% | 778 |
| Credit loss provision to net charge-offs | 113.9535% | 2,065 |
| Earnings coverage of net charge-offs (x) | 17.8146% | 2,094 |
| Efficiency ratio | 57.4917% | 4,187 |
| Assets per employee ($millions) | 4.0755% | 3,774 |
| Cash dividends to net income (ytd only)* | 16.2866% | 3,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4157% | 1,641 |
| Loan loss allowance to noncurrent loans | 1,548.0000% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.0511% | 4,710 |
| Noncurrent loans to loans | 0.0915% | 4,477 |
| Net loans and leases to total assets | 55.1037% | 4,286 |
| Net loans and leases to deposits | 64.5176% | 4,306 |
| Net loans and leases to core deposits | 70.5268% | 4,154 |
| Total domestic deposits to total assets | 85.4087% | 2,455 |
| Equity capital to assets | 11.4015% | 2,331 |
| Core capital (leverage) ratio | 11.9574% | 1,810 |
| Tier 1 risk-based capital ratio | 18.4017% | 1,691 |
| Total risk-based capital ratio | 19.6065% | 1,658 |
| Memoranda: | ||
| Average total assets | $49,407,500 | 4,999 |
| Average earning assets | $47,510,500 | 4,960 |
| Average equity | $5,500,500 | 5,028 |
| Average total loans | $26,202,750 | 4,960 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7041% | 1,499 |
| Cost of funding earning assets | 0.3192% | 4,274 |
| Net interest margin | 4.3849% | 878 |
| Noninterest income to average assets | 0.5567% | 2,541 |
| Noninterest expense to average assets | 2.7675% | 2,773 |
| Loan and lease loss provision to assets | 0.1291% | 1,533 |
| Net operating income to assets | 1.6097% | 902 |
| Return on assets (ROA) | 1.6097% | 910 |
| Pretax return on assets | 1.8719% | 832 |
| Return on Equity (ROE) | 14.5745% | 941 |
| Retained earnings to average equity (ytd only) | 12.7481% | 421 |
| Net charge-offs to loans | 0.3253% | 490 |
| Credit loss provision to net charge-offs | 76.1905% | 2,297 |
| Earnings coverage of net charge-offs (x) | 11.8095% | 2,242 |
| Efficiency ratio | 58.0372% | 4,228 |
| Assets per employee ($millions) | 4.1051% | 3,718 |
| Cash dividends to net income (ytd only)* | 12.5313% | 3,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3974% | 1,756 |
| Loan loss allowance to noncurrent loans | 5,314.2857% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 4,965 |
| Noncurrent loans to loans | 0.0263% | 4,808 |
| Net loans and leases to total assets | 53.2856% | 4,394 |
| Net loans and leases to deposits | 63.0410% | 4,349 |
| Net loans and leases to core deposits | 68.9547% | 4,204 |
| Total domestic deposits to total assets | 84.5253% | 2,858 |
| Equity capital to assets | 11.2117% | 2,445 |
| Core capital (leverage) ratio | 11.7422% | 1,879 |
| Tier 1 risk-based capital ratio | 18.1499% | 1,763 |
| Total risk-based capital ratio | 19.3252% | 1,741 |
| Memoranda: | ||
| Average total assets | $49,574,670 | 5,054 |
| Average earning assets | $47,618,330 | 5,011 |
| Average equity | $5,475,330 | 5,084 |
| Average total loans | $25,825,000 | 5,027 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6207% | 1,510 |
| Cost of funding earning assets | 0.3019% | 4,335 |
| Net interest margin | 4.3188% | 923 |
| Noninterest income to average assets | 0.5309% | 2,627 |
| Noninterest expense to average assets | 2.7669% | 2,817 |
| Loan and lease loss provision to assets | 0.1287% | 1,467 |
| Net operating income to assets | 1.5362% | 991 |
| Return on assets (ROA) | 1.5362% | 998 |
| Pretax return on assets | 1.7775% | 952 |
| Return on Equity (ROE) | 14.0145% | 1,014 |
| Retained earnings to average equity (ytd only) | 14.0145% | 407 |
| Net charge-offs to loans | 0.6607% | 226 |
| Credit loss provision to net charge-offs | 38.0952% | 2,029 |
| Earnings coverage of net charge-offs (x) | 5.6429% | 2,218 |
| Efficiency ratio | 59.2083% | 4,181 |
| Assets per employee ($millions) | 4.0769% | 3,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4046% | 1,822 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 51.0803% | 4,496 |
| Net loans and leases to deposits | 58.1001% | 4,575 |
| Net loans and leases to core deposits | 62.3332% | 4,534 |
| Total domestic deposits to total assets | 87.9177% | 1,667 |
| Equity capital to assets | 11.0541% | 2,531 |
| Core capital (leverage) ratio | 11.3152% | 2,152 |
| Tier 1 risk-based capital ratio | 18.4402% | 1,710 |
| Total risk-based capital ratio | 19.6152% | 1,693 |
| Memoranda: | ||
| Average total assets | $49,731,500 | 5,112 |
| Average earning assets | $47,698,500 | 5,069 |
| Average equity | $5,451,500 | 5,143 |
| Average total loans | $25,427,000 | 5,092 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6097% | 1,399 |
| Cost of funding earning assets | 0.3028% | 4,118 |
| Net interest margin | 4.3069% | 951 |
| Noninterest income to average assets | 0.7053% | 1,939 |
| Noninterest expense to average assets | 2.8050% | 2,749 |
| Loan and lease loss provision to assets | 0.2378% | 809 |
| Net operating income to assets | 1.3923% | 1,038 |
| Return on assets (ROA) | 1.3923% | 1,058 |
| Pretax return on assets | 1.7968% | 799 |
| Return on Equity (ROE) | 12.1982% | 1,156 |
| Retained earnings to average equity (ytd only) | 1.5136% | 4,395 |
| Net charge-offs to loans | 0.3858% | 651 |
| Credit loss provision to net charge-offs | 115.8416% | 2,263 |
| Earnings coverage of net charge-offs (x) | 9.9109% | 2,733 |
| Efficiency ratio | 57.9588% | 4,533 |
| Assets per employee ($millions) | 4.2117% | 3,635 |
| Cash dividends to net income (ytd only)* | 87.5912% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4976% | 1,421 |
| Loan loss allowance to noncurrent loans | 3,472.7273% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.0218% | 5,045 |
| Noncurrent loans to loans | 0.0431% | 4,805 |
| Net loans and leases to total assets | 49.7151% | 4,665 |
| Net loans and leases to deposits | 58.5565% | 4,663 |
| Net loans and leases to core deposits | 62.8339% | 4,606 |
| Total domestic deposits to total assets | 84.9011% | 2,878 |
| Equity capital to assets | 10.8726% | 2,761 |
| Core capital (leverage) ratio | 10.9430% | 2,388 |
| Tier 1 risk-based capital ratio | 17.6467% | 1,903 |
| Total risk-based capital ratio | 18.8959% | 1,853 |
| Memoranda: | ||
| Average total assets | $49,198,000 | 5,173 |
| Average earning assets | $47,227,000 | 5,123 |
| Average equity | $5,615,600 | 5,164 |
| Average total loans | $26,180,600 | 5,123 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6391% | 1,275 |
| Cost of funding earning assets | 0.3009% | 4,122 |
| Net interest margin | 4.3381% | 842 |
| Noninterest income to average assets | 0.7422% | 1,821 |
| Noninterest expense to average assets | 2.8051% | 2,707 |
| Loan and lease loss provision to assets | 0.1037% | 2,038 |
| Net operating income to assets | 1.5472% | 808 |
| Return on assets (ROA) | 1.5472% | 828 |
| Pretax return on assets | 2.0028% | 549 |
| Return on Equity (ROE) | 13.3902% | 960 |
| Retained earnings to average equity (ytd only) | 11.0286% | 413 |
| Net charge-offs to loans | 0.1316% | 1,471 |
| Credit loss provision to net charge-offs | 146.1538% | 1,722 |
| Earnings coverage of net charge-offs (x) | 29.6888% | 1,564 |
| Efficiency ratio | 57.1111% | 4,600 |
| Assets per employee ($millions) | 4.0386% | 3,920 |
| Cash dividends to net income (ytd only)* | 17.6367% | 3,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4549% | 1,687 |
| Loan loss allowance to noncurrent loans | 994.7368% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.0784% | 4,850 |
| Noncurrent loans to loans | 0.1463% | 4,470 |
| Net loans and leases to total assets | 52.8300% | 4,510 |
| Net loans and leases to deposits | 63.5405% | 4,409 |
| Net loans and leases to core deposits | 68.5012% | 4,336 |
| Total domestic deposits to total assets | 83.1438% | 3,412 |
| Equity capital to assets | 12.2176% | 1,826 |
| Core capital (leverage) ratio | 11.8528% | 1,783 |
| Tier 1 risk-based capital ratio | 19.0016% | 1,585 |
| Total risk-based capital ratio | 20.2447% | 1,549 |
| Memoranda: | ||
| Average total assets | $48,862,500 | 5,236 |
| Average earning assets | $46,962,000 | 5,181 |
| Average equity | $5,645,750 | 5,210 |
| Average total loans | $26,348,750 | 5,166 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5704% | 1,327 |
| Cost of funding earning assets | 0.2931% | 4,150 |
| Net interest margin | 4.2773% | 918 |
| Noninterest income to average assets | 0.6572% | 2,177 |
| Noninterest expense to average assets | 2.8411% | 2,613 |
| Loan and lease loss provision to assets | 0.0327% | 3,343 |
| Net operating income to assets | 1.4777% | 902 |
| Return on assets (ROA) | 1.4777% | 925 |
| Pretax return on assets | 1.8940% | 665 |
| Return on Equity (ROE) | 13.0356% | 1,028 |
| Retained earnings to average equity (ytd only) | 11.2351% | 407 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5890% | 4,381 |
| Assets per employee ($millions) | 4.1993% | 3,620 |
| Cash dividends to net income (ytd only)* | 13.8122% | 3,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3714% | 2,082 |
| Loan loss allowance to noncurrent loans | 1,870.0000% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.0397% | 5,091 |
| Noncurrent loans to loans | 0.0733% | 4,837 |
| Net loans and leases to total assets | 53.3766% | 4,448 |
| Net loans and leases to deposits | 66.9063% | 4,154 |
| Net loans and leases to core deposits | 72.1409% | 4,087 |
| Total domestic deposits to total assets | 79.7781% | 4,464 |
| Equity capital to assets | 11.4921% | 2,324 |
| Core capital (leverage) ratio | 11.4718% | 1,988 |
| Tier 1 risk-based capital ratio | 17.8033% | 1,919 |
| Total risk-based capital ratio | 18.9875% | 1,899 |
| Memoranda: | ||
| Average total assets | $48,995,670 | 5,273 |
| Average earning assets | $47,085,670 | 5,217 |
| Average equity | $5,554,000 | 5,265 |
| Average total loans | $26,471,330 | 5,202 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5308% | 1,299 |
| Cost of funding earning assets | 0.2762% | 4,288 |
| Net interest margin | 4.2547% | 878 |
| Noninterest income to average assets | 0.6791% | 2,044 |
| Noninterest expense to average assets | 3.0726% | 1,947 |
| Loan and lease loss provision to assets | 0.0331% | 3,125 |
| Net operating income to assets | 1.3251% | 1,179 |
| Return on assets (ROA) | 1.3251% | 1,212 |
| Pretax return on assets | 1.6564% | 1,108 |
| Return on Equity (ROE) | 11.7744% | 1,312 |
| Retained earnings to average equity (ytd only) | 11.7744% | 498 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5217% | 3,753 |
| Assets per employee ($millions) | 4.4394% | 3,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4098% | 2,036 |
| Loan loss allowance to noncurrent loans | 6,166.6667% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0123% | 5,307 |
| Noncurrent loans to loans | 0.0229% | 5,130 |
| Net loans and leases to total assets | 52.9867% | 4,428 |
| Net loans and leases to deposits | 67.1084% | 4,081 |
| Net loans and leases to core deposits | 71.9950% | 3,986 |
| Total domestic deposits to total assets | 78.9569% | 4,831 |
| Equity capital to assets | 11.3079% | 2,346 |
| Core capital (leverage) ratio | 11.5038% | 1,943 |
| Tier 1 risk-based capital ratio | 17.8075% | 1,939 |
| Total risk-based capital ratio | 19.0118% | 1,905 |
| Memoranda: | ||
| Average total assets | $48,298,000 | 5,342 |
| Average earning assets | $46,349,000 | 5,288 |
| Average equity | $5,435,500 | 5,334 |
| Average total loans | $26,071,500 | 5,270 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5870% | 1,310 |
| Cost of funding earning assets | 0.2500% | 4,566 |
| Net interest margin | 4.3369% | 872 |
| Noninterest income to average assets | 0.5458% | 2,940 |
| Noninterest expense to average assets | 2.8374% | 2,891 |
| Loan and lease loss provision to assets | 0.0319% | 3,718 |
| Net operating income to assets | 1.4463% | 923 |
| Return on assets (ROA) | 1.4463% | 948 |
| Pretax return on assets | 1.8392% | 716 |
| Return on Equity (ROE) | 11.7735% | 1,325 |
| Retained earnings to average equity (ytd only) | 1.4004% | 4,708 |
| Net charge-offs to loans | 0.0162% | 3,758 |
| Credit loss provision to net charge-offs | 375.0000% | 833 |
| Earnings coverage of net charge-offs (x) | 220.2500% | 318 |
| Efficiency ratio | 60.2616% | 4,542 |
| Assets per employee ($millions) | 4.3421% | 3,375 |
| Cash dividends to net income (ytd only)* | 88.1057% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4132% | 2,027 |
| Loan loss allowance to noncurrent loans | 6,100.0000% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.0126% | 5,352 |
| Noncurrent loans to loans | 0.0232% | 5,176 |
| Net loans and leases to total assets | 53.4556% | 4,486 |
| Net loans and leases to deposits | 65.5659% | 4,283 |
| Net loans and leases to core deposits | 69.6207% | 4,271 |
| Total domestic deposits to total assets | 81.5296% | 4,198 |
| Equity capital to assets | 11.1990% | 2,420 |
| Core capital (leverage) ratio | 11.4345% | 1,982 |
| Tier 1 risk-based capital ratio | 17.7187% | 1,938 |
| Total risk-based capital ratio | 18.9397% | 1,914 |
| Memoranda: | ||
| Average total assets | $47,085,600 | 5,402 |
| Average earning assets | $45,193,400 | 5,352 |
| Average equity | $5,784,200 | 5,314 |
| Average total loans | $24,678,800 | 5,366 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5947% | 1,302 |
| Cost of funding earning assets | 0.2482% | 4,616 |
| Net interest margin | 4.3465% | 848 |
| Noninterest income to average assets | 0.5883% | 2,720 |
| Noninterest expense to average assets | 2.4497% | 4,135 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.7705% | 514 |
| Return on assets (ROA) | 1.7705% | 543 |
| Pretax return on assets | 2.3190% | 307 |
| Return on Equity (ROE) | 14.0955% | 806 |
| Retained earnings to average equity (ytd only) | 11.8330% | 327 |
| Net charge-offs to loans | 0.0219% | 3,247 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 204.1220% | 366 |
| Efficiency ratio | 51.3707% | 5,418 |
| Assets per employee ($millions) | 4.1487% | 3,690 |
| Cash dividends to net income (ytd only)* | 16.0513% | 3,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3979% | 2,213 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 54.2510% | 4,476 |
| Net loans and leases to deposits | 65.3383% | 4,396 |
| Net loans and leases to core deposits | 69.4942% | 4,366 |
| Total domestic deposits to total assets | 83.0309% | 3,584 |
| Equity capital to assets | 13.3886% | 1,295 |
| Core capital (leverage) ratio | 12.5188% | 1,393 |
| Tier 1 risk-based capital ratio | 20.1288% | 1,425 |
| Total risk-based capital ratio | 21.3568% | 1,388 |
| Memoranda: | ||
| Average total assets | $46,916,250 | 5,459 |
| Average earning assets | $45,123,250 | 5,411 |
| Average equity | $5,893,000 | 5,355 |
| Average total loans | $24,374,000 | 5,427 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5575% | 1,367 |
| Cost of funding earning assets | 0.2547% | 4,612 |
| Net interest margin | 4.3028% | 919 |
| Noninterest income to average assets | 0.5999% | 2,619 |
| Noninterest expense to average assets | 2.4080% | 4,311 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.7785% | 492 |
| Return on assets (ROA) | 1.7785% | 521 |
| Pretax return on assets | 2.3319% | 290 |
| Return on Equity (ROE) | 14.4657% | 753 |
| Retained earnings to average equity (ytd only) | 12.7477% | 248 |
| Net charge-offs to loans | 0.0332% | 2,788 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 138.0000% | 433 |
| Efficiency ratio | 50.8021% | 5,517 |
| Assets per employee ($millions) | 4.3203% | 3,332 |
| Cash dividends to net income (ytd only)* | 11.8765% | 3,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4757% | 1,962 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 49.3109% | 4,889 |
| Net loans and leases to deposits | 61.4727% | 4,697 |
| Net loans and leases to core deposits | 65.3577% | 4,656 |
| Total domestic deposits to total assets | 80.2159% | 4,493 |
| Equity capital to assets | 12.6570% | 1,684 |
| Core capital (leverage) ratio | 11.6239% | 1,895 |
| Tier 1 risk-based capital ratio | 20.1497% | 1,429 |
| Total risk-based capital ratio | 21.4016% | 1,396 |
| Memoranda: | ||
| Average total assets | $47,343,000 | 5,515 |
| Average earning assets | $45,551,330 | 5,460 |
| Average equity | $5,820,670 | 5,421 |
| Average total loans | $24,129,000 | 5,496 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6237% | 1,203 |
| Cost of funding earning assets | 0.2466% | 4,740 |
| Net interest margin | 4.3771% | 779 |
| Noninterest income to average assets | 0.6603% | 2,215 |
| Noninterest expense to average assets | 2.3787% | 4,430 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.8962% | 399 |
| Return on assets (ROA) | 1.8962% | 426 |
| Pretax return on assets | 2.4887% | 243 |
| Return on Equity (ROE) | 15.6548% | 574 |
| Retained earnings to average equity (ytd only) | 15.6548% | 206 |
| Net charge-offs to loans | 0.0494% | 2,053 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 98.0000% | 548 |
| Efficiency ratio | 48.8696% | 5,686 |
| Assets per employee ($millions) | 4.7606% | 2,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4458% | 2,220 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 50.4033% | 4,770 |
| Net loans and leases to deposits | 63.6776% | 4,462 |
| Net loans and leases to core deposits | 67.7519% | 4,424 |
| Total domestic deposits to total assets | 79.1539% | 4,934 |
| Equity capital to assets | 12.2905% | 1,835 |
| Core capital (leverage) ratio | 11.4896% | 1,979 |
| Tier 1 risk-based capital ratio | 19.2313% | 1,678 |
| Total risk-based capital ratio | 20.4725% | 1,643 |
| Memoranda: | ||
| Average total assets | $47,253,000 | 5,572 |
| Average earning assets | $45,418,000 | 5,510 |
| Average equity | $5,723,500 | 5,469 |
| Average total loans | $24,301,000 | 5,540 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5360% | 1,499 |
| Cost of funding earning assets | 0.2320% | 4,988 |
| Net interest margin | 4.3040% | 957 |
| Noninterest income to average assets | 0.5362% | 3,103 |
| Noninterest expense to average assets | 2.8536% | 3,016 |
| Loan and lease loss provision to assets | 0.0284% | 3,801 |
| Net operating income to assets | 1.5253% | 822 |
| Return on assets (ROA) | 1.5253% | 854 |
| Pretax return on assets | 1.7945% | 815 |
| Return on Equity (ROE) | 12.1573% | 1,262 |
| Retained earnings to average equity (ytd only) | 1.6919% | 4,764 |
| Net charge-offs to loans | 0.0223% | 3,818 |
| Credit loss provision to net charge-offs | 260.0000% | 1,107 |
| Earnings coverage of net charge-offs (x) | 166.6000% | 389 |
| Efficiency ratio | 61.0201% | 4,761 |
| Assets per employee ($millions) | 4.6900% | 2,740 |
| Cash dividends to net income (ytd only)* | 86.0832% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4636% | 2,164 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 50.9595% | 4,782 |
| Net loans and leases to deposits | 63.8867% | 4,474 |
| Net loans and leases to core deposits | 68.0059% | 4,452 |
| Total domestic deposits to total assets | 79.7655% | 4,809 |
| Equity capital to assets | 11.9318% | 2,009 |
| Core capital (leverage) ratio | 11.0951% | 2,313 |
| Tier 1 risk-based capital ratio | 18.6759% | 1,782 |
| Total risk-based capital ratio | 19.9257% | 1,738 |
| Memoranda: | ||
| Average total assets | $45,696,000 | 5,639 |
| Average earning assets | $43,959,200 | 5,581 |
| Average equity | $5,733,200 | 5,497 |
| Average total loans | $22,456,200 | 5,635 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5090% | 1,568 |
| Cost of funding earning assets | 0.2319% | 5,074 |
| Net interest margin | 4.2772% | 1,006 |
| Noninterest income to average assets | 0.5522% | 3,038 |
| Noninterest expense to average assets | 2.4466% | 4,365 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.8239% | 493 |
| Return on assets (ROA) | 1.8239% | 515 |
| Pretax return on assets | 2.2234% | 390 |
| Return on Equity (ROE) | 14.3560% | 832 |
| Retained earnings to average equity (ytd only) | 12.0442% | 362 |
| Net charge-offs to loans | -0.0182% | 5,174 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3899% | 5,622 |
| Assets per employee ($millions) | 4.7093% | 2,683 |
| Cash dividends to net income (ytd only)* | 16.1030% | 3,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4698% | 2,282 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 49.9650% | 4,935 |
| Net loans and leases to deposits | 63.7255% | 4,580 |
| Net loans and leases to core deposits | 67.8900% | 4,548 |
| Total domestic deposits to total assets | 78.4066% | 5,109 |
| Equity capital to assets | 12.7365% | 1,595 |
| Core capital (leverage) ratio | 12.2193% | 1,555 |
| Tier 1 risk-based capital ratio | 20.4086% | 1,454 |
| Total risk-based capital ratio | 21.6575% | 1,421 |
| Memoranda: | ||
| Average total assets | $45,395,000 | 5,721 |
| Average earning assets | $43,703,750 | 5,660 |
| Average equity | $5,767,500 | 5,562 |
| Average total loans | $22,006,500 | 5,717 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4788% | 1,602 |
| Cost of funding earning assets | 0.2272% | 5,167 |
| Net interest margin | 4.2516% | 1,014 |
| Noninterest income to average assets | 0.4729% | 3,541 |
| Noninterest expense to average assets | 2.4627% | 4,359 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.7756% | 540 |
| Return on assets (ROA) | 1.7756% | 567 |
| Pretax return on assets | 2.1013% | 494 |
| Return on Equity (ROE) | 13.9878% | 904 |
| Retained earnings to average equity (ytd only) | 12.2305% | 374 |
| Net charge-offs to loans | -0.0281% | 5,306 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9589% | 5,590 |
| Assets per employee ($millions) | 4.6380% | 2,766 |
| Cash dividends to net income (ytd only)* | 12.5628% | 3,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6276% | 1,820 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 45.7395% | 5,272 |
| Net loans and leases to deposits | 54.9258% | 5,193 |
| Net loans and leases to core deposits | 58.7776% | 5,145 |
| Total domestic deposits to total assets | 83.2751% | 3,841 |
| Equity capital to assets | 12.4903% | 1,662 |
| Core capital (leverage) ratio | 12.3008% | 1,485 |
| Tier 1 risk-based capital ratio | 21.2384% | 1,316 |
| Total risk-based capital ratio | 22.4823% | 1,296 |
| Memoranda: | ||
| Average total assets | $44,829,000 | 5,798 |
| Average earning assets | $43,136,330 | 5,733 |
| Average equity | $5,690,670 | 5,627 |
| Average total loans | $21,381,670 | 5,794 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6230% | 1,177 |
| Cost of funding earning assets | 0.2364% | 5,157 |
| Net interest margin | 4.3867% | 756 |
| Noninterest income to average assets | 0.6174% | 2,562 |
| Noninterest expense to average assets | 2.6695% | 3,699 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.9068% | 400 |
| Return on assets (ROA) | 1.9068% | 428 |
| Pretax return on assets | 2.1610% | 422 |
| Return on Equity (ROE) | 14.8949% | 724 |
| Retained earnings to average equity (ytd only) | 14.8949% | 294 |
| Net charge-offs to loans | -0.0939% | 5,832 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2632% | 5,575 |
| Assets per employee ($millions) | 4.3557% | 3,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6589% | 1,856 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 47.9073% | 5,043 |
| Net loans and leases to deposits | 55.7658% | 5,066 |
| Net loans and leases to core deposits | 59.3588% | 5,046 |
| Total domestic deposits to total assets | 85.9081% | 2,991 |
| Equity capital to assets | 13.2355% | 1,288 |
| Core capital (leverage) ratio | 12.0460% | 1,613 |
| Tier 1 risk-based capital ratio | 21.3900% | 1,351 |
| Total risk-based capital ratio | 22.6390% | 1,324 |
| Memoranda: | ||
| Average total assets | $44,053,500 | 5,868 |
| Average earning assets | $42,310,000 | 5,805 |
| Average equity | $5,639,500 | 5,694 |
| Average total loans | $21,290,000 | 5,849 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6051% | 1,548 |
| Cost of funding earning assets | 0.2580% | 5,241 |
| Net interest margin | 4.3471% | 973 |
| Noninterest income to average assets | 0.5744% | 3,026 |
| Noninterest expense to average assets | 2.7853% | 3,541 |
| Loan and lease loss provision to assets | 0.1848% | 1,389 |
| Net operating income to assets | 1.4116% | 1,060 |
| Return on assets (ROA) | 1.4116% | 1,087 |
| Pretax return on assets | 1.7678% | 852 |
| Return on Equity (ROE) | 11.3567% | 1,608 |
| Retained earnings to average equity (ytd only) | 0.6090% | 5,497 |
| Net charge-offs to loans | 0.1728% | 2,298 |
| Credit loss provision to net charge-offs | 230.5556% | 1,094 |
| Earnings coverage of net charge-offs (x) | 24.3611% | 1,542 |
| Efficiency ratio | 58.7876% | 5,367 |
| Assets per employee ($millions) | 4.4550% | 3,109 |
| Cash dividends to net income (ytd only)* | 94.6372% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6245% | 2,014 |
| Loan loss allowance to noncurrent loans | 867.5000% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.0898% | 5,666 |
| Noncurrent loans to loans | 0.1873% | 5,158 |
| Net loans and leases to total assets | 47.1695% | 5,235 |
| Net loans and leases to deposits | 54.3040% | 5,309 |
| Net loans and leases to core deposits | 57.6801% | 5,279 |
| Total domestic deposits to total assets | 86.8620% | 2,349 |
| Equity capital to assets | 12.3771% | 1,718 |
| Core capital (leverage) ratio | 11.3673% | 2,076 |
| Tier 1 risk-based capital ratio | 19.9766% | 1,606 |
| Total risk-based capital ratio | 21.2259% | 1,576 |
| Memoranda: | ||
| Average total assets | $44,914,200 | 5,909 |
| Average earning assets | $43,017,200 | 5,852 |
| Average equity | $5,582,600 | 5,719 |
| Average total loans | $20,834,200 | 5,929 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6138% | 1,525 |
| Cost of funding earning assets | 0.2629% | 5,276 |
| Net interest margin | 4.3510% | 956 |
| Noninterest income to average assets | 0.5747% | 3,031 |
| Noninterest expense to average assets | 2.4204% | 4,760 |
| Loan and lease loss provision to assets | 0.0978% | 2,408 |
| Net operating income to assets | 1.7805% | 528 |
| Return on assets (ROA) | 1.7805% | 542 |
| Pretax return on assets | 2.2249% | 348 |
| Return on Equity (ROE) | 14.3097% | 932 |
| Retained earnings to average equity (ytd only) | 11.9287% | 421 |
| Net charge-offs to loans | 0.0451% | 3,592 |
| Credit loss provision to net charge-offs | 471.4286% | 604 |
| Earnings coverage of net charge-offs (x) | 112.0375% | 533 |
| Efficiency ratio | 51.0306% | 6,050 |
| Assets per employee ($millions) | 4.4666% | 3,028 |
| Cash dividends to net income (ytd only)* | 16.6390% | 3,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5807% | 2,370 |
| Loan loss allowance to noncurrent loans | 185.2273% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.3940% | 4,742 |
| Noncurrent loans to loans | 0.8534% | 3,433 |
| Net loans and leases to total assets | 45.4440% | 5,420 |
| Net loans and leases to deposits | 54.8669% | 5,317 |
| Net loans and leases to core deposits | 58.4435% | 5,302 |
| Total domestic deposits to total assets | 82.8259% | 4,196 |
| Equity capital to assets | 13.3323% | 1,265 |
| Core capital (leverage) ratio | 12.1230% | 1,619 |
| Tier 1 risk-based capital ratio | 22.2593% | 1,226 |
| Total risk-based capital ratio | 23.5074% | 1,213 |
| Memoranda: | ||
| Average total assets | $45,005,250 | 5,973 |
| Average earning assets | $43,115,750 | 5,918 |
| Average equity | $5,599,750 | 5,775 |
| Average total loans | $20,702,500 | 5,995 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6505% | 1,400 |
| Cost of funding earning assets | 0.2638% | 5,347 |
| Net interest margin | 4.3868% | 872 |
| Noninterest income to average assets | 0.5541% | 3,086 |
| Noninterest expense to average assets | 2.4292% | 4,798 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.8485% | 444 |
| Return on assets (ROA) | 1.8485% | 459 |
| Pretax return on assets | 2.3272% | 286 |
| Return on Equity (ROE) | 15.2153% | 757 |
| Retained earnings to average equity (ytd only) | 13.3909% | 301 |
| Net charge-offs to loans | 0.0193% | 3,831 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 262.5000% | 258 |
| Efficiency ratio | 51.0718% | 6,119 |
| Assets per employee ($millions) | 4.6332% | 2,723 |
| Cash dividends to net income (ytd only)* | 11.9904% | 3,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3970% | 3,365 |
| Loan loss allowance to noncurrent loans | 664.4444% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.0971% | 5,856 |
| Noncurrent loans to loans | 0.2103% | 5,388 |
| Net loans and leases to total assets | 45.5495% | 5,412 |
| Net loans and leases to deposits | 55.7849% | 5,205 |
| Net loans and leases to core deposits | 59.3359% | 5,177 |
| Total domestic deposits to total assets | 81.6520% | 4,767 |
| Equity capital to assets | 12.5421% | 1,615 |
| Core capital (leverage) ratio | 11.8474% | 1,754 |
| Tier 1 risk-based capital ratio | 20.7942% | 1,484 |
| Total risk-based capital ratio | 21.9315% | 1,490 |
| Memoranda: | ||
| Average total assets | $45,118,330 | 6,028 |
| Average earning assets | $43,221,000 | 5,971 |
| Average equity | $5,481,330 | 5,839 |
| Average total loans | $20,728,670 | 6,043 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7263% | 1,203 |
| Cost of funding earning assets | 0.2631% | 5,461 |
| Net interest margin | 4.4632% | 707 |
| Noninterest income to average assets | 0.5841% | 2,838 |
| Noninterest expense to average assets | 2.4803% | 4,684 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.8872% | 404 |
| Return on assets (ROA) | 1.8872% | 425 |
| Pretax return on assets | 2.3724% | 274 |
| Return on Equity (ROE) | 15.7999% | 663 |
| Retained earnings to average equity (ytd only) | 15.7999% | 282 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1111% | 6,184 |
| Assets per employee ($millions) | 4.3914% | 3,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4797% | 3,235 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 45.4866% | 5,387 |
| Net loans and leases to deposits | 56.6860% | 5,057 |
| Net loans and leases to core deposits | 61.1062% | 4,955 |
| Total domestic deposits to total assets | 80.2432% | 5,440 |
| Equity capital to assets | 12.5268% | 1,560 |
| Core capital (leverage) ratio | 11.8757% | 1,717 |
| Tier 1 risk-based capital ratio | 21.1858% | 1,437 |
| Total risk-based capital ratio | 22.3827% | 1,424 |
| Memoranda: | ||
| Average total assets | $44,511,500 | 6,100 |
| Average earning assets | $42,570,500 | 6,041 |
| Average equity | $5,316,500 | 5,922 |
| Average total loans | $20,391,500 | 6,123 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4245% | 2,493 |
| Cost of funding earning assets | 0.3250% | 5,380 |
| Net interest margin | 4.0996% | 1,640 |
| Noninterest income to average assets | 0.5377% | 3,496 |
| Noninterest expense to average assets | 2.6341% | 4,338 |
| Loan and lease loss provision to assets | 0.0678% | 3,775 |
| Net operating income to assets | 1.4323% | 960 |
| Return on assets (ROA) | 1.4323% | 994 |
| Pretax return on assets | 1.7689% | 818 |
| Return on Equity (ROE) | 11.5478% | 1,574 |
| Retained earnings to average equity (ytd only) | 0.6193% | 5,556 |
| Net charge-offs to loans | -0.0053% | 5,939 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,343 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9186% | 5,621 |
| Assets per employee ($millions) | 4.5109% | 2,881 |
| Cash dividends to net income (ytd only)* | 94.6372% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4628% | 3,362 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3237% | 5,288 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 44.7982% | 5,600 |
| Net loans and leases to deposits | 54.8400% | 5,396 |
| Net loans and leases to core deposits | 59.0601% | 5,301 |
| Total domestic deposits to total assets | 81.6888% | 4,979 |
| Equity capital to assets | 11.3769% | 2,259 |
| Core capital (leverage) ratio | 10.9016% | 2,475 |
| Tier 1 risk-based capital ratio | 19.9992% | 1,653 |
| Total risk-based capital ratio | 21.1759% | 1,645 |
| Memoranda: | ||
| Average total assets | $44,265,400 | 6,174 |
| Average earning assets | $42,467,600 | 6,092 |
| Average equity | $5,490,200 | 5,932 |
| Average total loans | $18,916,200 | 6,258 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3173% | 2,917 |
| Cost of funding earning assets | 0.3340% | 5,440 |
| Net interest margin | 3.9833% | 2,000 |
| Noninterest income to average assets | 0.5417% | 3,512 |
| Noninterest expense to average assets | 2.2547% | 5,466 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.7130% | 616 |
| Return on assets (ROA) | 1.7130% | 643 |
| Pretax return on assets | 2.1125% | 462 |
| Return on Equity (ROE) | 13.5248% | 1,118 |
| Retained earnings to average equity (ytd only) | 11.1353% | 556 |
| Net charge-offs to loans | -0.0072% | 5,829 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6286% | 6,284 |
| Assets per employee ($millions) | 4.7258% | 2,538 |
| Cash dividends to net income (ytd only)* | 17.6678% | 3,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3597% | 4,083 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 41.4491% | 5,939 |
| Net loans and leases to deposits | 52.3296% | 5,684 |
| Net loans and leases to core deposits | 55.6952% | 5,651 |
| Total domestic deposits to total assets | 79.2078% | 5,698 |
| Equity capital to assets | 11.6954% | 2,132 |
| Core capital (leverage) ratio | 12.4735% | 1,436 |
| Tier 1 risk-based capital ratio | 21.9036% | 1,335 |
| Total risk-based capital ratio | 22.9730% | 1,341 |
| Memoranda: | ||
| Average total assets | $44,054,500 | 6,243 |
| Average earning assets | $42,309,250 | 6,170 |
| Average equity | $5,579,750 | 5,983 |
| Average total loans | $18,518,250 | 6,336 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3372% | 2,804 |
| Cost of funding earning assets | 0.3489% | 5,416 |
| Net interest margin | 3.9882% | 1,905 |
| Noninterest income to average assets | 0.5257% | 3,665 |
| Noninterest expense to average assets | 2.3170% | 5,312 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.6656% | 665 |
| Return on assets (ROA) | 1.6656% | 729 |
| Pretax return on assets | 2.0378% | 562 |
| Return on Equity (ROE) | 12.7918% | 1,289 |
| Retained earnings to average equity (ytd only) | 11.0052% | 642 |
| Net charge-offs to loans | 0.0221% | 4,392 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 219.0000% | 238 |
| Efficiency ratio | 53.2051% | 6,205 |
| Assets per employee ($millions) | 4.9017% | 2,225 |
| Cash dividends to net income (ytd only)* | 13.9665% | 3,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4865% | 3,646 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 40.2607% | 6,025 |
| Net loans and leases to deposits | 46.2418% | 6,090 |
| Net loans and leases to core deposits | 52.0255% | 5,890 |
| Total domestic deposits to total assets | 87.0656% | 2,782 |
| Equity capital to assets | 12.5536% | 1,545 |
| Core capital (leverage) ratio | 12.3531% | 1,434 |
| Tier 1 risk-based capital ratio | 23.2052% | 1,101 |
| Total risk-based capital ratio | 24.3629% | 1,104 |
| Memoranda: | ||
| Average total assets | $42,986,670 | 6,315 |
| Average earning assets | $41,271,330 | 6,248 |
| Average equity | $5,597,330 | 6,020 |
| Average total loans | $18,071,670 | 6,392 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4129% | 2,478 |
| Cost of funding earning assets | 0.3448% | 5,593 |
| Net interest margin | 4.0681% | 1,566 |
| Noninterest income to average assets | 0.5280% | 3,585 |
| Noninterest expense to average assets | 2.3950% | 5,141 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.6595% | 637 |
| Return on assets (ROA) | 1.6595% | 703 |
| Pretax return on assets | 2.0272% | 567 |
| Return on Equity (ROE) | 12.5111% | 1,291 |
| Retained earnings to average equity (ytd only) | 12.5111% | 624 |
| Net charge-offs to loans | 0.0442% | 3,413 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 107.5000% | 355 |
| Efficiency ratio | 54.1578% | 6,217 |
| Assets per employee ($millions) | 4.2012% | 3,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4637% | 3,956 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 42.7854% | 5,777 |
| Net loans and leases to deposits | 50.1465% | 5,776 |
| Net loans and leases to core deposits | 54.4813% | 5,639 |
| Total domestic deposits to total assets | 85.3209% | 3,887 |
| Equity capital to assets | 13.4890% | 1,216 |
| Core capital (leverage) ratio | 12.2962% | 1,423 |
| Tier 1 risk-based capital ratio | 22.8935% | 1,173 |
| Total risk-based capital ratio | 24.0598% | 1,165 |
| Memoranda: | ||
| Average total assets | $42,422,500 | 6,391 |
| Average earning assets | $40,608,500 | 6,322 |
| Average equity | $5,627,000 | 6,070 |
| Average total loans | $18,093,000 | 6,448 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4887% | 3,447 |
| Cost of funding earning assets | 0.4024% | 5,899 |
| Net interest margin | 4.0862% | 2,055 |
| Noninterest income to average assets | 0.5599% | 3,510 |
| Noninterest expense to average assets | 2.6685% | 4,513 |
| Loan and lease loss provision to assets | 0.0548% | 5,117 |
| Net operating income to assets | 1.4000% | 1,101 |
| Return on assets (ROA) | 1.5677% | 877 |
| Pretax return on assets | 1.9656% | 640 |
| Return on Equity (ROE) | 11.3296% | 1,703 |
| Retained earnings to average equity (ytd only) | 0.9987% | 5,378 |
| Net charge-offs to loans | 0.0060% | 5,883 |
| Credit loss provision to net charge-offs | 2,300.0000% | 103 |
| Earnings coverage of net charge-offs (x) | 760.0000% | 49 |
| Efficiency ratio | 59.5745% | 5,604 |
| Assets per employee ($millions) | 4.2833% | 3,390 |
| Cash dividends to net income (ytd only)* | 91.1854% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4991% | 3,753 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 41.2649% | 6,073 |
| Net loans and leases to deposits | 48.3452% | 6,089 |
| Net loans and leases to core deposits | 52.5651% | 5,973 |
| Total domestic deposits to total assets | 85.3547% | 3,690 |
| Equity capital to assets | 13.0437% | 1,424 |
| Core capital (leverage) ratio | 11.9842% | 1,573 |
| Tier 1 risk-based capital ratio | 22.2247% | 1,226 |
| Total risk-based capital ratio | 23.4050% | 1,205 |
| Memoranda: | ||
| Average total assets | $41,971,800 | 6,431 |
| Average earning assets | $40,257,000 | 6,355 |
| Average equity | $5,807,800 | 6,072 |
| Average total loans | $16,711,600 | 6,564 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4975% | 3,648 |
| Cost of funding earning assets | 0.4122% | 6,048 |
| Net interest margin | 4.0854% | 2,142 |
| Noninterest income to average assets | 0.5620% | 3,533 |
| Noninterest expense to average assets | 2.3213% | 5,629 |
| Loan and lease loss provision to assets | 0.0287% | 5,422 |
| Net operating income to assets | 1.6711% | 735 |
| Return on assets (ROA) | 1.8903% | 542 |
| Pretax return on assets | 2.4171% | 334 |
| Return on Equity (ROE) | 13.4626% | 1,232 |
| Retained earnings to average equity (ytd only) | 11.1885% | 651 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7438% | 6,473 |
| Assets per employee ($millions) | 4.1350% | 3,613 |
| Cash dividends to net income (ytd only)* | 16.8920% | 3,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4504% | 4,155 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 41.9008% | 6,137 |
| Net loans and leases to deposits | 50.5426% | 6,070 |
| Net loans and leases to core deposits | 55.4201% | 5,932 |
| Total domestic deposits to total assets | 82.9021% | 4,678 |
| Equity capital to assets | 14.8585% | 856 |
| Core capital (leverage) ratio | 13.0756% | 1,162 |
| Tier 1 risk-based capital ratio | 24.9433% | 913 |
| Total risk-based capital ratio | 26.0998% | 917 |
| Memoranda: | ||
| Average total assets | $41,756,500 | 6,517 |
| Average earning assets | $40,109,750 | 6,432 |
| Average equity | $5,863,000 | 6,132 |
| Average total loans | $16,403,500 | 6,664 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4421% | 4,017 |
| Cost of funding earning assets | 0.4124% | 6,202 |
| Net interest margin | 4.0296% | 2,384 |
| Noninterest income to average assets | 0.5777% | 3,392 |
| Noninterest expense to average assets | 2.3012% | 5,733 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.7235% | 644 |
| Return on assets (ROA) | 1.7235% | 722 |
| Pretax return on assets | 2.1484% | 526 |
| Return on Equity (ROE) | 12.5145% | 1,500 |
| Retained earnings to average equity (ytd only) | 10.7811% | 786 |
| Net charge-offs to loans | 0.0125% | 5,277 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 450.0000% | 88 |
| Efficiency ratio | 51.7167% | 6,523 |
| Assets per employee ($millions) | 4.3078% | 3,247 |
| Cash dividends to net income (ytd only)* | 13.8504% | 3,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4792% | 4,119 |
| Loan loss allowance to noncurrent loans | 1,537.5000% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.0371% | 6,738 |
| Noncurrent loans to loans | 0.0962% | 6,422 |
| Net loans and leases to total assets | 38.0357% | 6,475 |
| Net loans and leases to deposits | 48.0147% | 6,306 |
| Net loans and leases to core deposits | 52.8122% | 6,177 |
| Total domestic deposits to total assets | 79.2168% | 5,916 |
| Equity capital to assets | 13.7402% | 1,198 |
| Core capital (leverage) ratio | 12.7763% | 1,228 |
| Tier 1 risk-based capital ratio | 24.8284% | 918 |
| Total risk-based capital ratio | 25.9769% | 915 |
| Memoranda: | ||
| Average total assets | $41,892,000 | 6,555 |
| Average earning assets | $40,251,670 | 6,469 |
| Average equity | $5,769,330 | 6,179 |
| Average total loans | $16,011,000 | 6,732 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4475% | 4,128 |
| Cost of funding earning assets | 0.4447% | 6,179 |
| Net interest margin | 4.0027% | 2,493 |
| Noninterest income to average assets | 0.6199% | 3,107 |
| Noninterest expense to average assets | 2.3439% | 5,649 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.6950% | 729 |
| Return on assets (ROA) | 1.6950% | 809 |
| Pretax return on assets | 2.1114% | 621 |
| Return on Equity (ROE) | 12.2926% | 1,586 |
| Retained earnings to average equity (ytd only) | 12.2926% | 781 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6087% | 6,484 |
| Assets per employee ($millions) | 4.1012% | 3,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5749% | 3,826 |
| Loan loss allowance to noncurrent loans | 1,235.0000% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.0488% | 6,779 |
| Noncurrent loans to loans | 0.1275% | 6,429 |
| Net loans and leases to total assets | 37.6402% | 6,515 |
| Net loans and leases to deposits | 45.4537% | 6,469 |
| Net loans and leases to core deposits | 50.1478% | 6,330 |
| Total domestic deposits to total assets | 82.8099% | 5,003 |
| Equity capital to assets | 14.1056% | 987 |
| Core capital (leverage) ratio | 12.5573% | 1,314 |
| Tier 1 risk-based capital ratio | 25.4108% | 864 |
| Total risk-based capital ratio | 26.6222% | 848 |
| Memoranda: | ||
| Average total assets | $41,299,000 | 6,633 |
| Average earning assets | $39,573,000 | 6,541 |
| Average equity | $5,694,500 | 6,227 |
| Average total loans | $15,701,000 | 6,808 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5395% | 4,919 |
| Cost of funding earning assets | 0.5229% | 6,446 |
| Net interest margin | 4.0166% | 2,805 |
| Noninterest income to average assets | 0.6863% | 2,684 |
| Noninterest expense to average assets | 2.5515% | 5,285 |
| Loan and lease loss provision to assets | 0.0833% | 5,569 |
| Net operating income to assets | 1.4265% | 977 |
| Return on assets (ROA) | 1.4265% | 1,053 |
| Pretax return on assets | 1.8922% | 674 |
| Return on Equity (ROE) | 10.2758% | 1,962 |
| Retained earnings to average equity (ytd only) | -5.9148% | 6,500 |
| Net charge-offs to loans | 0.0201% | 6,159 |
| Credit loss provision to net charge-offs | 1,133.3333% | 189 |
| Earnings coverage of net charge-offs (x) | 268.6667% | 131 |
| Efficiency ratio | 56.3617% | 6,269 |
| Assets per employee ($millions) | 4.1586% | 3,532 |
| Cash dividends to net income (ytd only)* | 157.5601% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5714% | 3,703 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 37.2024% | 6,689 |
| Net loans and leases to deposits | 45.7127% | 6,638 |
| Net loans and leases to core deposits | 47.4833% | 6,670 |
| Total domestic deposits to total assets | 81.3832% | 5,331 |
| Equity capital to assets | 13.4757% | 1,278 |
| Core capital (leverage) ratio | 12.2304% | 1,477 |
| Tier 1 risk-based capital ratio | 24.4650% | 929 |
| Total risk-based capital ratio | 25.6718% | 920 |
| Memoranda: | ||
| Average total assets | $40,799,200 | 6,646 |
| Average earning assets | $39,013,400 | 6,567 |
| Average equity | $5,663,800 | 6,245 |
| Average total loans | $14,903,400 | 6,906 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5696% | 5,004 |
| Cost of funding earning assets | 0.5428% | 6,536 |
| Net interest margin | 4.0267% | 2,795 |
| Noninterest income to average assets | 0.7093% | 2,548 |
| Noninterest expense to average assets | 2.3019% | 6,028 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.7043% | 623 |
| Return on assets (ROA) | 1.7043% | 681 |
| Pretax return on assets | 2.2559% | 390 |
| Return on Equity (ROE) | 12.1854% | 1,494 |
| Retained earnings to average equity (ytd only) | 1.1974% | 5,534 |
| Net charge-offs to loans | -0.2812% | 7,295 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5043% | 6,802 |
| Assets per employee ($millions) | 4.1342% | 3,579 |
| Cash dividends to net income (ytd only)* | 90.1731% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6616% | 3,410 |
| Loan loss allowance to noncurrent loans | 723.5294% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.0822% | 6,848 |
| Noncurrent loans to loans | 0.2297% | 6,410 |
| Net loans and leases to total assets | 35.2160% | 6,902 |
| Net loans and leases to deposits | 44.0141% | 6,832 |
| Net loans and leases to core deposits | 45.2368% | 6,880 |
| Total domestic deposits to total assets | 80.0106% | 5,730 |
| Equity capital to assets | 14.5228% | 985 |
| Core capital (leverage) ratio | 13.2511% | 1,126 |
| Tier 1 risk-based capital ratio | 27.3335% | 713 |
| Total risk-based capital ratio | 28.5801% | 695 |
| Memoranda: | ||
| Average total assets | $40,602,500 | 6,709 |
| Average earning assets | $38,806,500 | 6,638 |
| Average equity | $5,678,750 | 6,282 |
| Average total loans | $14,699,750 | 6,984 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5216% | 5,289 |
| Cost of funding earning assets | 0.5646% | 6,607 |
| Net interest margin | 3.9571% | 3,059 |
| Noninterest income to average assets | 0.7285% | 2,382 |
| Noninterest expense to average assets | 2.3194% | 6,068 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.6255% | 696 |
| Return on assets (ROA) | 1.6255% | 739 |
| Pretax return on assets | 2.1955% | 413 |
| Return on Equity (ROE) | 11.7767% | 1,565 |
| Retained earnings to average equity (ytd only) | -3.2314% | 6,400 |
| Net charge-offs to loans | -0.4228% | 7,380 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3721% | 6,840 |
| Assets per employee ($millions) | 4.4801% | 2,878 |
| Cash dividends to net income (ytd only)* | 127.4390% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6796% | 3,389 |
| Loan loss allowance to noncurrent loans | 514.5833% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.1190% | 6,796 |
| Noncurrent loans to loans | 0.3264% | 6,261 |
| Net loans and leases to total assets | 35.8597% | 6,968 |
| Net loans and leases to deposits | 45.1421% | 6,872 |
| Net loans and leases to core deposits | 46.5638% | 6,907 |
| Total domestic deposits to total assets | 79.4375% | 5,967 |
| Equity capital to assets | 14.1390% | 1,051 |
| Core capital (leverage) ratio | 13.4515% | 1,011 |
| Tier 1 risk-based capital ratio | 27.0026% | 724 |
| Total risk-based capital ratio | 28.2519% | 712 |
| Memoranda: | ||
| Average total assets | $40,356,000 | 6,776 |
| Average earning assets | $38,614,330 | 6,699 |
| Average equity | $5,570,330 | 6,349 |
| Average total loans | $14,664,670 | 7,054 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5156% | 5,282 |
| Cost of funding earning assets | 0.6007% | 6,611 |
| Net interest margin | 3.9149% | 3,068 |
| Noninterest income to average assets | 0.7431% | 2,298 |
| Noninterest expense to average assets | 2.2688% | 6,258 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.5258% | 831 |
| Return on assets (ROA) | 1.5258% | 872 |
| Pretax return on assets | 2.2193% | 387 |
| Return on Equity (ROE) | 11.1898% | 1,683 |
| Retained earnings to average equity (ytd only) | -15.5495% | 7,059 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5519% | 6,950 |
| Assets per employee ($millions) | 4.3568% | 3,116 |
| Cash dividends to net income (ytd only)* | 238.9610% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5226% | 4,098 |
| Loan loss allowance to noncurrent loans | 450.0000% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.1224% | 6,862 |
| Noncurrent loans to loans | 0.3384% | 6,313 |
| Net loans and leases to total assets | 35.6278% | 7,017 |
| Net loans and leases to deposits | 43.3541% | 6,971 |
| Net loans and leases to core deposits | 44.8259% | 7,014 |
| Total domestic deposits to total assets | 82.1785% | 5,235 |
| Equity capital to assets | 13.8890% | 1,032 |
| Core capital (leverage) ratio | 12.8386% | 1,182 |
| Tier 1 risk-based capital ratio | 27.0507% | 701 |
| Total risk-based capital ratio | 28.1901% | 694 |
| Memoranda: | ||
| Average total assets | $40,373,500 | 6,819 |
| Average earning assets | $38,622,000 | 6,734 |
| Average equity | $5,505,000 | 6,387 |
| Average total loans | $14,644,000 | 7,110 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8421% | 5,267 |
| Cost of funding earning assets | 0.8457% | 6,379 |
| Net interest margin | 3.9964% | 3,036 |
| Noninterest income to average assets | 0.6883% | 2,913 |
| Noninterest expense to average assets | 2.6899% | 5,036 |
| Loan and lease loss provision to assets | 0.0897% | 6,246 |
| Net operating income to assets | 1.3660% | 1,019 |
| Return on assets (ROA) | 1.3660% | 1,093 |
| Pretax return on assets | 1.7220% | 901 |
| Return on Equity (ROE) | 9.2758% | 2,186 |
| Retained earnings to average equity (ytd only) | 0.3223% | 5,419 |
| Net charge-offs to loans | -0.0068% | 7,294 |
| Credit loss provision to net charge-offs | -3,400.0000% | 7,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7540% | 6,085 |
| Assets per employee ($millions) | 4.1536% | 3,471 |
| Cash dividends to net income (ytd only)* | 96.5251% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4237% | 4,407 |
| Loan loss allowance to noncurrent loans | 581.0811% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.0891% | 7,012 |
| Noncurrent loans to loans | 0.2450% | 6,571 |
| Net loans and leases to total assets | 35.8412% | 7,162 |
| Net loans and leases to deposits | 44.5518% | 7,098 |
| Net loans and leases to core deposits | 46.8100% | 7,117 |
| Total domestic deposits to total assets | 80.4483% | 5,704 |
| Equity capital to assets | 13.3956% | 1,221 |
| Core capital (leverage) ratio | 13.6345% | 945 |
| Tier 1 risk-based capital ratio | 26.4901% | 709 |
| Total risk-based capital ratio | 27.5563% | 712 |
| Memoranda: | ||
| Average total assets | $37,920,000 | 6,941 |
| Average earning assets | $36,182,400 | 6,876 |
| Average equity | $5,584,400 | 6,489 |
| Average total loans | $14,603,800 | 7,181 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9122% | 5,210 |
| Cost of funding earning assets | 0.9175% | 6,321 |
| Net interest margin | 3.9947% | 3,128 |
| Noninterest income to average assets | 0.6952% | 2,841 |
| Noninterest expense to average assets | 2.4565% | 5,866 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.5705% | 786 |
| Return on assets (ROA) | 1.5705% | 862 |
| Pretax return on assets | 2.0495% | 559 |
| Return on Equity (ROE) | 10.4002% | 1,976 |
| Retained earnings to average equity (ytd only) | -0.3340% | 5,869 |
| Net charge-offs to loans | -0.0092% | 7,263 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5164% | 6,740 |
| Assets per employee ($millions) | 3.8333% | 4,187 |
| Cash dividends to net income (ytd only)* | 103.2117% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2574% | 5,182 |
| 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 | 37.0803% | 7,222 |
| Net loans and leases to deposits | 44.0676% | 7,238 |
| Net loans and leases to core deposits | 45.1238% | 7,287 |
| Total domestic deposits to total assets | 84.1442% | 4,037 |
| Equity capital to assets | 14.9949% | 894 |
| Core capital (leverage) ratio | 14.1574% | 891 |
| Tier 1 risk-based capital ratio | 28.1937% | 618 |
| Total risk-based capital ratio | 29.1547% | 616 |
| Memoranda: | ||
| Average total assets | $37,016,000 | 7,053 |
| Average earning assets | $35,312,500 | 6,983 |
| Average equity | $5,589,500 | 6,572 |
| Average total loans | $14,479,250 | 7,284 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9529% | 5,166 |
| Cost of funding earning assets | 0.9814% | 6,232 |
| Net interest margin | 3.9715% | 3,151 |
| Noninterest income to average assets | 0.6616% | 2,946 |
| Noninterest expense to average assets | 2.4660% | 5,859 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.5091% | 900 |
| Return on assets (ROA) | 1.5091% | 962 |
| Pretax return on assets | 1.9794% | 624 |
| Return on Equity (ROE) | 9.9699% | 2,116 |
| Retained earnings to average equity (ytd only) | -4.4792% | 6,497 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4736% | 6,707 |
| Assets per employee ($millions) | 3.3609% | 5,285 |
| Cash dividends to net income (ytd only)* | 144.9275% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2803% | 5,031 |
| 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 | 37.7495% | 7,280 |
| Net loans and leases to deposits | 44.8659% | 7,293 |
| Net loans and leases to core deposits | 46.8039% | 7,324 |
| Total domestic deposits to total assets | 84.1385% | 4,043 |
| Equity capital to assets | 15.0852% | 860 |
| Core capital (leverage) ratio | 14.1794% | 884 |
| Tier 1 risk-based capital ratio | 28.3009% | 605 |
| Total risk-based capital ratio | 29.2859% | 611 |
| Memoranda: | ||
| Average total assets | $36,577,000 | 7,127 |
| Average earning assets | $34,848,000 | 7,047 |
| Average equity | $5,536,670 | 6,606 |
| Average total loans | $14,507,330 | 7,333 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0574% | 4,747 |
| Cost of funding earning assets | 1.0623% | 6,076 |
| Net interest margin | 3.9951% | 2,887 |
| Noninterest income to average assets | 0.6927% | 2,648 |
| Noninterest expense to average assets | 2.4848% | 5,788 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.5393% | 838 |
| Return on assets (ROA) | 1.5393% | 901 |
| Pretax return on assets | 2.0121% | 590 |
| Return on Equity (ROE) | 10.1514% | 2,049 |
| Retained earnings to average equity (ytd only) | -15.2270% | 7,218 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2567% | 6,854 |
| Assets per employee ($millions) | 3.6308% | 4,744 |
| Cash dividends to net income (ytd only)* | 250.0000% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2187% | 5,402 |
| 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 | 40.4071% | 7,228 |
| Net loans and leases to deposits | 48.1949% | 7,225 |
| Net loans and leases to core deposits | 49.8878% | 7,288 |
| Total domestic deposits to total assets | 83.8410% | 4,223 |
| Equity capital to assets | 14.9609% | 890 |
| Core capital (leverage) ratio | 13.9471% | 973 |
| Tier 1 risk-based capital ratio | 27.0611% | 703 |
| Total risk-based capital ratio | 28.0188% | 707 |
| Memoranda: | ||
| Average total assets | $36,380,500 | 7,218 |
| Average earning assets | $34,642,500 | 7,143 |
| Average equity | $5,516,500 | 6,667 |
| Average total loans | $14,692,500 | 7,421 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5312% | 3,983 |
| Cost of funding earning assets | 1.3212% | 6,238 |
| Net interest margin | 4.2100% | 2,030 |
| Noninterest income to average assets | 0.7186% | 2,855 |
| Noninterest expense to average assets | 2.8087% | 4,944 |
| Loan and lease loss provision to assets | 0.1312% | 6,324 |
| Net operating income to assets | 1.2844% | 1,059 |
| Return on assets (ROA) | 1.4343% | 850 |
| Pretax return on assets | 1.9846% | 415 |
| Return on Equity (ROE) | 9.1986% | 1,960 |
| Retained earnings to average equity (ytd only) | 0.3475% | 4,716 |
| Net charge-offs to loans | -0.0067% | 7,729 |
| Credit loss provision to net charge-offs | -4,600.0000% | 7,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5526% | 6,548 |
| Assets per employee ($millions) | 3.6453% | 4,657 |
| Cash dividends to net income (ytd only)* | 96.2227% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2454% | 5,085 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 39.3712% | 7,381 |
| Net loans and leases to deposits | 46.9204% | 7,402 |
| Net loans and leases to core deposits | 61.1244% | 7,222 |
| Total domestic deposits to total assets | 83.9108% | 4,066 |
| Equity capital to assets | 15.3650% | 830 |
| Core capital (leverage) ratio | 14.8309% | 822 |
| Tier 1 risk-based capital ratio | 28.5148% | 609 |
| Total risk-based capital ratio | 29.4842% | 607 |
| Memoranda: | ||
| Average total assets | $35,069,400 | 7,278 |
| Average earning assets | $33,302,000 | 7,218 |
| Average equity | $5,468,200 | 6,783 |
| Average total loans | $15,014,000 | 7,455 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6281% | 3,702 |
| Cost of funding earning assets | 1.3635% | 6,358 |
| Net interest margin | 4.2646% | 1,825 |
| Noninterest income to average assets | 0.7296% | 2,825 |
| Noninterest expense to average assets | 2.5304% | 5,970 |
| Loan and lease loss provision to assets | 0.0998% | 6,367 |
| Net operating income to assets | 1.5414% | 743 |
| Return on assets (ROA) | 1.7433% | 544 |
| Pretax return on assets | 2.4267% | 221 |
| Return on Equity (ROE) | 11.1374% | 1,581 |
| Retained earnings to average equity (ytd only) | 0.4907% | 5,001 |
| Net charge-offs to loans | -0.0088% | 7,672 |
| Credit loss provision to net charge-offs | -2,600.0000% | 7,380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9743% | 7,334 |
| Assets per employee ($millions) | 3.4795% | 4,979 |
| Cash dividends to net income (ytd only)* | 95.5941% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0886% | 5,797 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 42.0434% | 7,360 |
| Net loans and leases to deposits | 50.7476% | 7,376 |
| Net loans and leases to core deposits | 65.2585% | 7,195 |
| Total domestic deposits to total assets | 82.8481% | 4,304 |
| Equity capital to assets | 16.2466% | 751 |
| Core capital (leverage) ratio | 15.4165% | 783 |
| Tier 1 risk-based capital ratio | 29.3146% | 610 |
| Total risk-based capital ratio | 30.2009% | 611 |
| Memoranda: | ||
| Average total assets | $34,723,500 | 7,352 |
| Average earning assets | $32,952,750 | 7,289 |
| Average equity | $5,435,000 | 6,864 |
| Average total loans | $15,134,250 | 7,509 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7075% | 3,494 |
| Cost of funding earning assets | 1.3829% | 6,541 |
| Net interest margin | 4.3246% | 1,590 |
| Noninterest income to average assets | 0.7205% | 2,862 |
| Noninterest expense to average assets | 2.4438% | 6,321 |
| Loan and lease loss provision to assets | 0.1499% | 5,573 |
| Net operating income to assets | 1.5614% | 739 |
| Return on assets (ROA) | 1.8559% | 439 |
| Pretax return on assets | 2.6571% | 162 |
| Return on Equity (ROE) | 12.0097% | 1,407 |
| Retained earnings to average equity (ytd only) | -2.3124% | 5,815 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5967% | 7,623 |
| Assets per employee ($millions) | 3.3959% | 5,077 |
| Cash dividends to net income (ytd only)* | 119.2547% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0548% | 5,876 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 44.4713% | 7,298 |
| Net loans and leases to deposits | 53.5399% | 7,307 |
| Net loans and leases to core deposits | 68.0976% | 7,116 |
| Total domestic deposits to total assets | 83.0619% | 4,209 |
| Equity capital to assets | 15.6071% | 905 |
| Core capital (leverage) ratio | 15.2949% | 858 |
| Tier 1 risk-based capital ratio | 28.2133% | 700 |
| Total risk-based capital ratio | 29.0795% | 709 |
| Memoranda: | ||
| Average total assets | $34,699,670 | 7,418 |
| Average earning assets | $32,974,000 | 7,361 |
| Average equity | $5,362,330 | 6,941 |
| Average total loans | $15,249,000 | 7,575 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9694% | 2,482 |
| Cost of funding earning assets | 1.4533% | 6,560 |
| Net interest margin | 4.5161% | 1,097 |
| Noninterest income to average assets | 0.7300% | 2,704 |
| Noninterest expense to average assets | 2.4180% | 6,133 |
| Loan and lease loss provision to assets | 0.2965% | 3,576 |
| Net operating income to assets | 1.5170% | 910 |
| Return on assets (ROA) | 1.5170% | 980 |
| Pretax return on assets | 2.3040% | 361 |
| Return on Equity (ROE) | 9.8637% | 2,375 |
| Retained earnings to average equity (ytd only) | -14.9068% | 7,432 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1818% | 7,721 |
| Assets per employee ($millions) | 3.7292% | 4,273 |
| Cash dividends to net income (ytd only)* | 251.1278% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0739% | 5,660 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 44.1885% | 7,323 |
| Net loans and leases to deposits | 54.3419% | 7,267 |
| Net loans and leases to core deposits | 68.2921% | 7,123 |
| Total domestic deposits to total assets | 81.3157% | 4,830 |
| Equity capital to assets | 15.8121% | 906 |
| Core capital (leverage) ratio | 14.1967% | 1,150 |
| Tier 1 risk-based capital ratio | 27.8983% | 763 |
| Total risk-based capital ratio | 28.7784% | 765 |
| Memoranda: | ||
| Average total assets | $35,070,000 | 7,443 |
| Average earning assets | $33,303,000 | 7,393 |
| Average equity | $5,393,500 | 6,975 |
| Average total loans | $15,242,000 | 7,622 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2069% | 4,481 |
| Cost of funding earning assets | 2.0461% | 6,254 |
| Net interest margin | 4.1607% | 2,459 |
| Noninterest income to average assets | 0.7056% | 3,091 |
| Noninterest expense to average assets | 2.7461% | 5,065 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.4380% | 1,153 |
| Return on assets (ROA) | 1.4201% | 1,144 |
| Pretax return on assets | 1.8641% | 824 |
| Return on Equity (ROE) | 9.2278% | 2,558 |
| Retained earnings to average equity (ytd only) | 0.5732% | 4,898 |
| Net charge-offs to loans | 0.0070% | 6,859 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 642.0000% | 86 |
| Efficiency ratio | 59.2640% | 6,484 |
| Assets per employee ($millions) | 4.0641% | 3,385 |
| Cash dividends to net income (ytd only)* | 93.7888% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8650% | 6,830 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 41.9881% | 7,590 |
| Net loans and leases to deposits | 55.9062% | 7,327 |
| Net loans and leases to core deposits | 74.4739% | 6,940 |
| Total domestic deposits to total assets | 75.1046% | 6,428 |
| Equity capital to assets | 14.9821% | 1,167 |
| Core capital (leverage) ratio | 15.0018% | 1,032 |
| Tier 1 risk-based capital ratio | 27.6038% | 785 |
| Total risk-based capital ratio | 28.3009% | 804 |
| Memoranda: | ||
| Average total assets | $34,011,800 | 7,458 |
| Average earning assets | $32,109,600 | 7,402 |
| Average equity | $5,234,200 | 7,072 |
| Average total loans | $14,224,600 | 7,693 |