Home > The State Bank of Canton, Canton, Kansas > Performance and Condition Ratios
The State Bank of Canton, Canton, Kansas, 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 | 4.5805% | 3,780 |
| Cost of funding earning assets | 0.9308% | 4,052 |
| Net interest margin | 3.6497% | 1,964 |
| Noninterest income to average assets | 0.3400% | 2,607 |
| Noninterest expense to average assets | 2.5518% | 2,154 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.1275% | 1,930 |
| Return on assets (ROA) | 1.1275% | 1,928 |
| Pretax return on assets | 1.3293% | 1,893 |
| Return on Equity (ROE) | 5.0300% | 3,535 |
| Retained earnings to average equity (ytd only) | 4.9772% | 2,570 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 65.7492% | 2,277 |
| Assets per employee ($millions) | 5.7418% | 3,134 |
| Cash dividends to net income (ytd only)* | 1.0526% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0201% | 3,110 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 36.3300% | 4,077 |
| Net loans and leases to deposits | 46.9470% | 3,974 |
| Net loans and leases to core deposits | 50.5594% | 3,968 |
| Total domestic deposits to total assets | 77.3900% | 3,880 |
| Equity capital to assets | 22.1300% | 238 |
| Core capital (leverage) ratio | 22.1729% | 201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.7894% | 116 |
| Memoranda: | ||
| Average total assets | $33,702,000 | 4,323 |
| Average earning assets | $32,660,500 | 4,289 |
| Average equity | $7,554,500 | 4,016 |
| Average total loans | $12,663,000 | 4,284 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5628% | 3,800 |
| Cost of funding earning assets | 0.8464% | 4,141 |
| Net interest margin | 3.7164% | 1,652 |
| Noninterest income to average assets | 0.3000% | 3,060 |
| Noninterest expense to average assets | 2.5562% | 2,145 |
| Loan and lease loss provision to assets | 0.0400% | 2,355 |
| Net operating income to assets | 0.9951% | 2,075 |
| Return on assets (ROA) | 1.1531% | 1,621 |
| Pretax return on assets | 1.5032% | 1,272 |
| Return on Equity (ROE) | 5.4000% | 3,419 |
| Retained earnings to average equity (ytd only) | 5.3036% | 2,101 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 65.4861% | 2,546 |
| Assets per employee ($millions) | 5.4922% | 3,302 |
| Cash dividends to net income (ytd only)* | 1.7857% | 3,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0174% | 3,128 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 38.0900% | 4,059 |
| Net loans and leases to deposits | 49.5089% | 3,930 |
| Net loans and leases to core deposits | 53.4813% | 3,939 |
| Total domestic deposits to total assets | 76.9300% | 3,879 |
| Equity capital to assets | 22.7142% | 226 |
| Core capital (leverage) ratio | 22.0614% | 200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 48.0580% | 117 |
| Memoranda: | ||
| Average total assets | $33,995,200 | 4,343 |
| Average earning assets | $32,962,000 | 4,307 |
| Average equity | $7,259,200 | 4,030 |
| Average total loans | $12,474,000 | 4,299 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5560% | 3,768 |
| Cost of funding earning assets | 0.8189% | 4,186 |
| Net interest margin | 3.7371% | 1,576 |
| Noninterest income to average assets | 0.3000% | 3,043 |
| Noninterest expense to average assets | 2.5533% | 2,084 |
| Loan and lease loss provision to assets | 0.0600% | 1,841 |
| Net operating income to assets | 1.0403% | 1,930 |
| Return on assets (ROA) | 1.2494% | 1,426 |
| Pretax return on assets | 1.5763% | 1,194 |
| Return on Equity (ROE) | 5.9400% | 3,327 |
| Retained earnings to average equity (ytd only) | 5.8495% | 2,135 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 65.0794% | 2,582 |
| Assets per employee ($millions) | 5.9320% | 2,927 |
| Cash dividends to net income (ytd only)* | 1.5576% | 2,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0967% | 2,777 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 32.6900% | 4,202 |
| Net loans and leases to deposits | 41.5545% | 4,160 |
| Net loans and leases to core deposits | 44.5406% | 4,154 |
| Total domestic deposits to total assets | 78.6600% | 3,652 |
| Equity capital to assets | 20.9457% | 248 |
| Core capital (leverage) ratio | 21.0764% | 224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.7087% | 117 |
| Memoranda: | ||
| Average total assets | $34,255,750 | 4,367 |
| Average earning assets | $33,215,750 | 4,333 |
| Average equity | $7,202,750 | 4,051 |
| Average total loans | $12,422,500 | 4,325 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4688% | 3,825 |
| Cost of funding earning assets | 0.7255% | 4,236 |
| Net interest margin | 3.7433% | 1,522 |
| Noninterest income to average assets | 0.2800% | 3,143 |
| Noninterest expense to average assets | 2.2005% | 3,075 |
| Loan and lease loss provision to assets | 0.0900% | 1,288 |
| Net operating income to assets | 1.2481% | 1,369 |
| Return on assets (ROA) | 1.2481% | 1,370 |
| Pretax return on assets | 1.6208% | 1,095 |
| Return on Equity (ROE) | 5.9300% | 3,306 |
| Retained earnings to average equity (ytd only) | 5.8438% | 2,063 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 56.2784% | 3,549 |
| Assets per employee ($millions) | 5.7003% | 3,050 |
| Cash dividends to net income (ytd only)* | 1.4218% | 2,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9814% | 3,373 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 38.0500% | 4,093 |
| Net loans and leases to deposits | 48.4153% | 3,999 |
| Net loans and leases to core deposits | 52.0184% | 4,002 |
| Total domestic deposits to total assets | 78.6000% | 3,640 |
| Equity capital to assets | 21.1596% | 248 |
| Core capital (leverage) ratio | 21.8599% | 197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.4988% | 124 |
| Memoranda: | ||
| Average total assets | $33,810,333 | 4,390 |
| Average earning assets | $32,805,000 | 4,358 |
| Average equity | $7,118,667 | 4,059 |
| Average total loans | $12,642,333 | 4,342 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4824% | 3,703 |
| Cost of funding earning assets | 0.6631% | 4,274 |
| Net interest margin | 3.8192% | 1,338 |
| Noninterest income to average assets | 0.3100% | 2,877 |
| Noninterest expense to average assets | 2.3799% | 2,574 |
| Loan and lease loss provision to assets | 0.1500% | 697 |
| Net operating income to assets | 1.1424% | 1,565 |
| Return on assets (ROA) | 1.1424% | 1,576 |
| Pretax return on assets | 1.4756% | 1,293 |
| Return on Equity (ROE) | 5.4400% | 3,355 |
| Retained earnings to average equity (ytd only) | 5.3828% | 2,298 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 59.3472% | 3,319 |
| Assets per employee ($millions) | 5.6357% | 3,131 |
| Cash dividends to net income (ytd only)* | 1.0417% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0446% | 3,079 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 36.1400% | 4,138 |
| Net loans and leases to deposits | 46.0437% | 4,041 |
| Net loans and leases to core deposits | 48.6678% | 4,103 |
| Total domestic deposits to total assets | 78.4900% | 3,737 |
| Equity capital to assets | 21.0031% | 253 |
| Core capital (leverage) ratio | 21.4687% | 219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.8495% | 125 |
| Memoranda: | ||
| Average total assets | $33,614,500 | 4,423 |
| Average earning assets | $32,572,000 | 4,387 |
| Average equity | $7,059,500 | 4,084 |
| Average total loans | $12,391,500 | 4,374 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8996% | 4,085 |
| Cost of funding earning assets | 0.4622% | 4,239 |
| Net interest margin | 3.4373% | 2,330 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 2.0946% | 3,421 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.1811% | 1,693 |
| Return on assets (ROA) | 1.2573% | 1,499 |
| Pretax return on assets | 1.6235% | 1,191 |
| Return on Equity (ROE) | 6.6100% | 3,387 |
| Retained earnings to average equity (ytd only) | 6.5162% | 2,054 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 57.8370% | 3,311 |
| Assets per employee ($millions) | 5.5692% | 3,184 |
| Cash dividends to net income (ytd only)* | 1.3544% | 3,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9329% | 3,594 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 36.8600% | 4,130 |
| Net loans and leases to deposits | 46.9150% | 4,022 |
| Net loans and leases to core deposits | 49.5954% | 4,092 |
| Total domestic deposits to total assets | 78.5800% | 3,664 |
| Equity capital to assets | 20.9996% | 265 |
| Core capital (leverage) ratio | 20.9012% | 237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.4514% | 120 |
| Memoranda: | ||
| Average total assets | $35,233,000 | 4,430 |
| Average earning assets | $34,183,400 | 4,386 |
| Average equity | $6,706,400 | 4,080 |
| Average total loans | $11,745,000 | 4,397 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7448% | 4,161 |
| Cost of funding earning assets | 0.4080% | 4,245 |
| Net interest margin | 3.3368% | 2,604 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 2.0548% | 3,455 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1288% | 1,971 |
| Return on assets (ROA) | 1.2292% | 1,702 |
| Pretax return on assets | 1.5803% | 1,400 |
| Return on Equity (ROE) | 6.6200% | 3,518 |
| Retained earnings to average equity (ytd only) | 6.5169% | 2,455 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.5729% | 3,138 |
| Assets per employee ($millions) | 6.2123% | 2,550 |
| Cash dividends to net income (ytd only)* | 1.5198% | 2,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9905% | 3,415 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 31.1100% | 4,298 |
| Net loans and leases to deposits | 38.0976% | 4,252 |
| Net loans and leases to core deposits | 39.2067% | 4,273 |
| Total domestic deposits to total assets | 81.6500% | 3,282 |
| Equity capital to assets | 18.1252% | 337 |
| Core capital (leverage) ratio | 19.7550% | 284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.8657% | 126 |
| Memoranda: | ||
| Average total assets | $35,687,500 | 4,446 |
| Average earning assets | $34,643,000 | 4,405 |
| Average equity | $6,628,750 | 4,090 |
| Average total loans | $11,572,750 | 4,423 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6083% | 4,243 |
| Cost of funding earning assets | 0.3280% | 4,275 |
| Net interest margin | 3.2803% | 2,795 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 1.9739% | 3,651 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2173% | 1,786 |
| Return on assets (ROA) | 1.2173% | 1,771 |
| Pretax return on assets | 1.4619% | 1,669 |
| Return on Equity (ROE) | 6.5000% | 3,574 |
| Retained earnings to average equity (ytd only) | 6.4072% | 2,472 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.4503% | 3,263 |
| Assets per employee ($millions) | 5.7783% | 2,907 |
| Cash dividends to net income (ytd only)* | 1.4019% | 2,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9382% | 3,662 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 35.3300% | 4,200 |
| Net loans and leases to deposits | 43.8180% | 4,111 |
| Net loans and leases to core deposits | 45.1972% | 4,141 |
| Total domestic deposits to total assets | 80.6200% | 3,485 |
| Equity capital to assets | 19.2501% | 302 |
| Core capital (leverage) ratio | 20.4919% | 244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.9894% | 123 |
| Memoranda: | ||
| Average total assets | $35,158,667 | 4,475 |
| Average earning assets | $34,143,333 | 4,434 |
| Average equity | $6,586,333 | 4,122 |
| Average total loans | $11,526,667 | 4,447 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5611% | 4,202 |
| Cost of funding earning assets | 0.1513% | 4,454 |
| Net interest margin | 3.4098% | 2,606 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 1.8191% | 3,993 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3671% | 1,496 |
| Return on assets (ROA) | 1.3671% | 1,466 |
| Pretax return on assets | 1.7739% | 1,120 |
| Return on Equity (ROE) | 7.4000% | 3,433 |
| Retained earnings to average equity (ytd only) | 7.3366% | 2,411 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.6289% | 3,883 |
| Assets per employee ($millions) | 5.8078% | 2,929 |
| Cash dividends to net income (ytd only)* | 0.8264% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0613% | 3,245 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 31.0300% | 4,348 |
| Net loans and leases to deposits | 38.3679% | 4,270 |
| Net loans and leases to core deposits | 39.5639% | 4,282 |
| Total domestic deposits to total assets | 80.8800% | 3,650 |
| Equity capital to assets | 19.0519% | 262 |
| Core capital (leverage) ratio | 19.2583% | 298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.6352% | 109 |
| Memoranda: | ||
| Average total assets | $35,403,000 | 4,537 |
| Average earning assets | $34,371,500 | 4,495 |
| Average equity | $6,542,500 | 4,178 |
| Average total loans | $11,108,000 | 4,518 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6283% | 4,445 |
| Cost of funding earning assets | 0.1130% | 4,322 |
| Net interest margin | 2.5152% | 4,276 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 2.0815% | 3,350 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4342% | 4,200 |
| Return on assets (ROA) | 0.4943% | 4,056 |
| Pretax return on assets | 0.6096% | 4,013 |
| Return on Equity (ROE) | 2.7900% | 4,316 |
| Retained earnings to average equity (ytd only) | 2.7014% | 3,803 |
| Net charge-offs to loans | -0.0194% | 4,057 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 79.5383% | 750 |
| Assets per employee ($millions) | 5.9932% | 2,770 |
| Cash dividends to net income (ytd only)* | 3.3333% | 3,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0278% | 3,216 |
| 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 | 31.0600% | 4,364 |
| Net loans and leases to deposits | 37.8580% | 4,295 |
| Net loans and leases to core deposits | 39.1889% | 4,296 |
| Total domestic deposits to total assets | 82.0500% | 3,624 |
| Equity capital to assets | 17.9260% | 294 |
| Core capital (leverage) ratio | 18.1455% | 321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.5052% | 118 |
| Memoranda: | ||
| Average total assets | $36,415,800 | 4,562 |
| Average earning assets | $35,384,400 | 4,522 |
| Average equity | $6,441,200 | 4,282 |
| Average total loans | $10,306,400 | 4,556 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3735% | 4,508 |
| Cost of funding earning assets | 0.0976% | 4,307 |
| Net interest margin | 2.2759% | 4,420 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 2.0220% | 3,425 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2805% | 4,399 |
| Return on assets (ROA) | 0.3613% | 4,252 |
| Pretax return on assets | 0.4380% | 4,226 |
| Return on Equity (ROE) | 2.0500% | 4,404 |
| Retained earnings to average equity (ytd only) | 1.9461% | 4,044 |
| Net charge-offs to loans | -0.0265% | 4,094 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 85.6260% | 474 |
| Assets per employee ($millions) | 6.6090% | 2,233 |
| Cash dividends to net income (ytd only)* | 5.0505% | 2,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2110% | 2,473 |
| 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 | 23.8600% | 4,548 |
| Net loans and leases to deposits | 28.3680% | 4,525 |
| Net loans and leases to core deposits | 29.2456% | 4,517 |
| Total domestic deposits to total assets | 84.1200% | 3,475 |
| Equity capital to assets | 15.8370% | 382 |
| Core capital (leverage) ratio | 16.9824% | 371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.0214% | 114 |
| Memoranda: | ||
| Average total assets | $36,530,000 | 4,597 |
| Average earning assets | $35,502,000 | 4,557 |
| Average equity | $6,440,000 | 4,321 |
| Average total loans | $10,061,500 | 4,593 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1566% | 4,584 |
| Cost of funding earning assets | 0.1044% | 4,147 |
| Net interest margin | 2.0523% | 4,533 |
| Noninterest income to average assets | 0.1578% | 4,230 |
| Noninterest expense to average assets | 2.0288% | 3,357 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1296% | 4,490 |
| Return on assets (ROA) | 0.1296% | 4,457 |
| Pretax return on assets | 0.1240% | 4,468 |
| Return on Equity (ROE) | 0.7084% | 4,493 |
| Retained earnings to average equity (ytd only) | 0.6160% | 4,073 |
| Net charge-offs to loans | -0.0391% | 4,145 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2408% | 285 |
| Assets per employee ($millions) | 6.2143% | 2,554 |
| Cash dividends to net income (ytd only)* | 13.0435% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1237% | 3,063 |
| 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 | 27.3749% | 4,529 |
| Net loans and leases to deposits | 33.0634% | 4,471 |
| Net loans and leases to core deposits | 33.6088% | 4,486 |
| Total domestic deposits to total assets | 82.7952% | 3,901 |
| Equity capital to assets | 17.1807% | 267 |
| Core capital (leverage) ratio | 18.4660% | 252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.5139% | 93 |
| Memoranda: | ||
| Average total assets | $35,488,667 | 4,645 |
| Average earning assets | $34,498,000 | 4,619 |
| Average equity | $6,493,333 | 4,368 |
| Average total loans | $10,222,333 | 4,655 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0914% | 4,584 |
| Cost of funding earning assets | 0.0832% | 4,317 |
| Net interest margin | 2.0082% | 4,509 |
| Noninterest income to average assets | 0.1503% | 4,250 |
| Noninterest expense to average assets | 2.1047% | 3,130 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.0463% | 4,567 |
| Return on assets (ROA) | -0.0463% | 4,548 |
| Pretax return on assets | 0.0000% | 4,519 |
| Return on Equity (ROE) | -0.2448% | 4,542 |
| Retained earnings to average equity (ytd only) | -0.3060% | 4,057 |
| Net charge-offs to loans | -0.0786% | 4,395 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 244 |
| Assets per employee ($millions) | 6.0652% | 2,752 |
| Cash dividends to net income (ytd only)* | -25.0000% | 4,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 3,236 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2446% | 2,175 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 28.1223% | 4,505 |
| Net loans and leases to deposits | 34.1783% | 4,439 |
| Net loans and leases to core deposits | 34.1783% | 4,477 |
| Total domestic deposits to total assets | 82.2813% | 4,046 |
| Equity capital to assets | 17.6884% | 238 |
| Core capital (leverage) ratio | 18.7186% | 222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.4776% | 89 |
| Memoranda: | ||
| Average total assets | $34,590,000 | 4,679 |
| Average earning assets | $33,662,000 | 4,657 |
| Average equity | $6,537,000 | 4,410 |
| Average total loans | $10,172,000 | 4,678 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2960% | 4,588 |
| Cost of funding earning assets | 0.1241% | 4,193 |
| Net interest margin | 2.1719% | 4,502 |
| Noninterest income to average assets | 0.1450% | 4,428 |
| Noninterest expense to average assets | 2.1995% | 3,089 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.0589% | 4,653 |
| Return on assets (ROA) | 0.1662% | 4,581 |
| Pretax return on assets | 0.1722% | 4,589 |
| Return on Equity (ROE) | 0.8245% | 4,620 |
| Retained earnings to average equity (ytd only) | 0.7345% | 4,320 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3262% | 179 |
| Assets per employee ($millions) | 5.4648% | 3,291 |
| Cash dividends to net income (ytd only)* | 10.9091% | 3,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1407% | 3,167 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2714% | 2,192 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 30.1321% | 4,500 |
| Net loans and leases to deposits | 37.7878% | 4,414 |
| Net loans and leases to core deposits | 37.7878% | 4,464 |
| Total domestic deposits to total assets | 79.7402% | 4,248 |
| Equity capital to assets | 20.2415% | 176 |
| Core capital (leverage) ratio | 19.6098% | 182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.3881% | 87 |
| Memoranda: | ||
| Average total assets | $33,098,400 | 4,724 |
| Average earning assets | $32,230,000 | 4,700 |
| Average equity | $6,670,800 | 4,462 |
| Average total loans | $10,190,600 | 4,724 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3363% | 4,661 |
| Cost of funding earning assets | 0.1238% | 4,315 |
| Net interest margin | 2.2124% | 4,561 |
| Noninterest income to average assets | 0.1447% | 4,474 |
| Noninterest expense to average assets | 2.1662% | 3,183 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.1194% | 4,683 |
| Return on assets (ROA) | 0.2532% | 4,597 |
| Pretax return on assets | 0.2813% | 4,604 |
| Return on Equity (ROE) | 1.2576% | 4,674 |
| Retained earnings to average equity (ytd only) | 1.1578% | 4,378 |
| Net charge-offs to loans | 0.0130% | 1,845 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 33.0000% | 1,476 |
| Efficiency ratio | 94.2308% | 226 |
| Assets per employee ($millions) | 5.7470% | 2,943 |
| Cash dividends to net income (ytd only)* | 7.9365% | 3,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1600% | 3,165 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2581% | 2,482 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 27.9218% | 4,651 |
| Net loans and leases to deposits | 34.6755% | 4,613 |
| Net loans and leases to core deposits | 34.6755% | 4,640 |
| Total domestic deposits to total assets | 80.5232% | 4,161 |
| Equity capital to assets | 19.3753% | 215 |
| Core capital (leverage) ratio | 19.1786% | 216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.6593% | 98 |
| Memoranda: | ||
| Average total assets | $33,175,750 | 4,791 |
| Average earning assets | $32,301,500 | 4,768 |
| Average equity | $6,679,250 | 4,524 |
| Average total loans | $10,239,750 | 4,796 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4105% | 4,667 |
| Cost of funding earning assets | 0.1130% | 4,483 |
| Net interest margin | 2.2976% | 4,522 |
| Noninterest income to average assets | 0.1527% | 4,436 |
| Noninterest expense to average assets | 2.1380% | 3,273 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.2260% | 4,608 |
| Return on assets (ROA) | 0.2260% | 4,621 |
| Pretax return on assets | 0.2505% | 4,633 |
| Return on Equity (ROE) | 1.1080% | 4,690 |
| Retained earnings to average equity (ytd only) | 1.0182% | 4,335 |
| Net charge-offs to loans | 0.0192% | 1,554 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 1,151 |
| Efficiency ratio | 89.5141% | 358 |
| Assets per employee ($millions) | 6.8116% | 1,931 |
| Cash dividends to net income (ytd only)* | 8.1081% | 2,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0945% | 3,440 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2760% | 2,547 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 29.9812% | 4,649 |
| Net loans and leases to deposits | 37.3291% | 4,602 |
| Net loans and leases to core deposits | 37.3291% | 4,641 |
| Total domestic deposits to total assets | 80.3159% | 4,186 |
| Equity capital to assets | 19.5872% | 206 |
| Core capital (leverage) ratio | 19.6833% | 191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.7656% | 98 |
| Memoranda: | ||
| Average total assets | $32,740,333 | 4,827 |
| Average earning assets | $31,860,000 | 4,803 |
| Average equity | $6,678,667 | 4,548 |
| Average total loans | $10,406,000 | 4,831 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5157% | 4,633 |
| Cost of funding earning assets | 0.1284% | 4,470 |
| Net interest margin | 2.3873% | 4,427 |
| Noninterest income to average assets | 0.1247% | 4,574 |
| Noninterest expense to average assets | 2.1321% | 3,322 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2743% | 4,555 |
| Return on assets (ROA) | 0.2743% | 4,582 |
| Pretax return on assets | 0.3117% | 4,590 |
| Return on Equity (ROE) | 1.3169% | 4,678 |
| Retained earnings to average equity (ytd only) | 1.1972% | 4,184 |
| Net charge-offs to loans | 0.0383% | 1,087 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 1,164 |
| Efficiency ratio | 87.2449% | 472 |
| Assets per employee ($millions) | 6.5132% | 2,167 |
| Cash dividends to net income (ytd only)* | 9.0909% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1070% | 3,394 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2886% | 2,701 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 30.9986% | 4,667 |
| Net loans and leases to deposits | 39.0356% | 4,596 |
| Net loans and leases to core deposits | 39.0356% | 4,647 |
| Total domestic deposits to total assets | 79.4110% | 4,281 |
| Equity capital to assets | 20.4753% | 167 |
| Core capital (leverage) ratio | 20.2607% | 178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.0022% | 92 |
| Memoranda: | ||
| Average total assets | $32,081,500 | 4,857 |
| Average earning assets | $31,164,500 | 4,827 |
| Average equity | $6,682,500 | 4,560 |
| Average total loans | $10,447,000 | 4,855 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7960% | 4,753 |
| Cost of funding earning assets | 0.1914% | 4,607 |
| Net interest margin | 2.6046% | 4,495 |
| Noninterest income to average assets | 0.1756% | 4,408 |
| Noninterest expense to average assets | 2.1629% | 3,777 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.3999% | 4,244 |
| Return on assets (ROA) | 0.4684% | 4,180 |
| Pretax return on assets | 0.5757% | 4,132 |
| Return on Equity (ROE) | 2.1740% | 4,538 |
| Retained earnings to average equity (ytd only) | 1.7664% | 3,916 |
| Net charge-offs to loans | 0.0459% | 2,149 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 30.2000% | 1,607 |
| Efficiency ratio | 81.4951% | 779 |
| Assets per employee ($millions) | 5.2662% | 3,082 |
| Cash dividends to net income (ytd only)* | 18.7500% | 3,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0668% | 3,614 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2975% | 2,810 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 33.4589% | 4,665 |
| Net loans and leases to deposits | 42.5347% | 4,578 |
| Net loans and leases to core deposits | 42.5347% | 4,641 |
| Total domestic deposits to total assets | 78.6625% | 4,239 |
| Equity capital to assets | 21.1951% | 158 |
| Core capital (leverage) ratio | 20.1879% | 181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.6685% | 92 |
| Memoranda: | ||
| Average total assets | $30,745,600 | 4,867 |
| Average earning assets | $29,255,600 | 4,847 |
| Average equity | $6,623,600 | 4,572 |
| Average total loans | $10,899,000 | 4,881 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8847% | 4,797 |
| Cost of funding earning assets | 0.2031% | 4,667 |
| Net interest margin | 2.6816% | 4,487 |
| Noninterest income to average assets | 0.1790% | 4,396 |
| Noninterest expense to average assets | 2.1703% | 3,748 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.4484% | 4,171 |
| Return on assets (ROA) | 0.5415% | 4,020 |
| Pretax return on assets | 0.6594% | 3,984 |
| Return on Equity (ROE) | 2.5030% | 4,477 |
| Retained earnings to average equity (ytd only) | 2.4021% | 3,784 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9035% | 875 |
| Assets per employee ($millions) | 6.4734% | 1,857 |
| Cash dividends to net income (ytd only)* | 4.0323% | 3,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1204% | 3,095 |
| Loan loss allowance to noncurrent loans | 5,950.0000% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.7539% | 1,540 |
| Noncurrent loans to loans | 0.0188% | 4,345 |
| Net loans and leases to total assets | 32.4466% | 4,779 |
| Net loans and leases to deposits | 41.0475% | 4,723 |
| Net loans and leases to core deposits | 41.0475% | 4,769 |
| Total domestic deposits to total assets | 79.0466% | 4,053 |
| Equity capital to assets | 20.7495% | 187 |
| Core capital (leverage) ratio | 19.9610% | 200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.1140% | 102 |
| Memoranda: | ||
| Average total assets | $30,532,750 | 4,896 |
| Average earning assets | $28,887,750 | 4,880 |
| Average equity | $6,605,250 | 4,596 |
| Average total loans | $10,952,250 | 4,911 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0199% | 4,833 |
| Cost of funding earning assets | 0.2061% | 4,753 |
| Net interest margin | 2.8138% | 4,425 |
| Noninterest income to average assets | 0.1337% | 4,638 |
| Noninterest expense to average assets | 2.2192% | 3,723 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4749% | 4,076 |
| Return on assets (ROA) | 0.6283% | 3,728 |
| Pretax return on assets | 0.7419% | 3,763 |
| Return on Equity (ROE) | 2.8622% | 4,378 |
| Retained earnings to average equity (ytd only) | 2.7709% | 3,474 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8077% | 905 |
| Assets per employee ($millions) | 6.3368% | 1,920 |
| Cash dividends to net income (ytd only)* | 3.1915% | 3,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0832% | 3,158 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1993% | 915 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 34.2981% | 4,772 |
| Net loans and leases to deposits | 43.5726% | 4,712 |
| Net loans and leases to core deposits | 43.5726% | 4,759 |
| Total domestic deposits to total assets | 78.7148% | 4,078 |
| Equity capital to assets | 21.1021% | 173 |
| Core capital (leverage) ratio | 20.8478% | 180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.0635% | 117 |
| Memoranda: | ||
| Average total assets | $29,921,333 | 4,931 |
| Average earning assets | $28,146,667 | 4,919 |
| Average equity | $6,568,333 | 4,623 |
| Average total loans | $11,062,667 | 4,942 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2097% | 4,863 |
| Cost of funding earning assets | 0.1767% | 4,935 |
| Net interest margin | 3.0330% | 4,223 |
| Noninterest income to average assets | 0.1653% | 4,544 |
| Noninterest expense to average assets | 2.4793% | 3,338 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4132% | 4,104 |
| Return on assets (ROA) | -0.7300% | 4,944 |
| Pretax return on assets | -0.6198% | 4,906 |
| Return on Equity (ROE) | -3.2777% | 4,881 |
| Retained earnings to average equity (ytd only) | -3.4014% | 4,399 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5688% | 935 |
| Assets per employee ($millions) | 5.8524% | 1,794 |
| Cash dividends to net income (ytd only)* | -3.7736% | 5,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0777% | 3,320 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3054% | 899 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 37.3283% | 4,743 |
| Net loans and leases to deposits | 48.1784% | 4,655 |
| Net loans and leases to core deposits | 48.1784% | 4,723 |
| Total domestic deposits to total assets | 77.4793% | 4,298 |
| Equity capital to assets | 22.1413% | 171 |
| Core capital (leverage) ratio | 21.1857% | 196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.1491% | 114 |
| Memoranda: | ||
| Average total assets | $29,040,000 | 4,983 |
| Average earning assets | $27,168,000 | 4,966 |
| Average equity | $6,468,000 | 4,670 |
| Average total loans | $11,101,000 | 4,981 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3822% | 4,926 |
| Cost of funding earning assets | 0.2009% | 4,963 |
| Net interest margin | 3.1813% | 4,232 |
| Noninterest income to average assets | 0.1558% | 4,710 |
| Noninterest expense to average assets | 2.5036% | 3,440 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6529% | 4,008 |
| Return on assets (ROA) | 1.5652% | 969 |
| Pretax return on assets | 1.5787% | 1,547 |
| Return on Equity (ROE) | 7.5624% | 3,336 |
| Retained earnings to average equity (ytd only) | 7.4642% | 1,184 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2069% | 1,016 |
| Assets per employee ($millions) | 5.7636% | 1,823 |
| Cash dividends to net income (ytd only)* | 1.2987% | 3,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0663% | 3,131 |
| Loan loss allowance to noncurrent loans | 54.8387% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 1.2284% | 945 |
| Noncurrent loans to loans | 1.9444% | 667 |
| Net loans and leases to total assets | 38.3129% | 4,789 |
| Net loans and leases to deposits | 49.3982% | 4,704 |
| Net loans and leases to core deposits | 49.3982% | 4,767 |
| Total domestic deposits to total assets | 77.5592% | 4,426 |
| Equity capital to assets | 22.4061% | 170 |
| Core capital (leverage) ratio | 20.4872% | 219 |
| Tier 1 risk-based capital ratio | 42.3974% | 209 |
| Total risk-based capital ratio | 43.2157% | 210 |
| Memoranda: | ||
| Average total assets | $29,517,800 | 5,031 |
| Average earning assets | $27,881,400 | 5,011 |
| Average equity | $6,109,200 | 4,742 |
| Average total loans | $10,887,000 | 5,044 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4039% | 5,022 |
| Cost of funding earning assets | 0.1852% | 5,063 |
| Net interest margin | 3.2188% | 4,255 |
| Noninterest income to average assets | 0.1617% | 4,738 |
| Noninterest expense to average assets | 2.5325% | 3,340 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6556% | 4,149 |
| Return on assets (ROA) | 0.6556% | 4,198 |
| Pretax return on assets | 0.6735% | 4,399 |
| Return on Equity (ROE) | 3.2323% | 4,729 |
| Retained earnings to average equity (ytd only) | 3.1438% | 3,832 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9916% | 1,017 |
| Assets per employee ($millions) | 6.0696% | 1,558 |
| Cash dividends to net income (ytd only)* | 2.7381% | 3,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0967% | 3,045 |
| Loan loss allowance to noncurrent loans | 283.3333% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.5898% | 2,233 |
| Noncurrent loans to loans | 0.3871% | 3,162 |
| Net loans and leases to total assets | 35.3631% | 4,960 |
| Net loans and leases to deposits | 44.3691% | 4,905 |
| Net loans and leases to core deposits | 44.3691% | 4,953 |
| Total domestic deposits to total assets | 79.7021% | 4,047 |
| Equity capital to assets | 20.2221% | 247 |
| Core capital (leverage) ratio | 20.5988% | 223 |
| Tier 1 risk-based capital ratio | 41.1879% | 227 |
| Total risk-based capital ratio | 41.9884% | 229 |
| Memoranda: | ||
| Average total assets | $29,692,750 | 5,104 |
| Average earning assets | $28,084,500 | 5,084 |
| Average equity | $6,022,250 | 4,815 |
| Average total loans | $10,818,750 | 5,125 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4214% | 5,068 |
| Cost of funding earning assets | 0.1937% | 5,083 |
| Net interest margin | 3.2277% | 4,295 |
| Noninterest income to average assets | 0.1968% | 4,578 |
| Noninterest expense to average assets | 2.3885% | 3,763 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6853% | 4,047 |
| Return on assets (ROA) | 0.6853% | 4,104 |
| Pretax return on assets | 0.8618% | 3,949 |
| Return on Equity (ROE) | 3.3757% | 4,707 |
| Retained earnings to average equity (ytd only) | 3.2754% | 3,586 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4864% | 1,702 |
| Assets per employee ($millions) | 5.8206% | 1,673 |
| Cash dividends to net income (ytd only)* | 2.9703% | 3,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1044% | 3,048 |
| Loan loss allowance to noncurrent loans | 283.3333% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.6151% | 2,184 |
| Noncurrent loans to loans | 0.3898% | 3,130 |
| Net loans and leases to total assets | 36.6148% | 4,956 |
| Net loans and leases to deposits | 46.3627% | 4,890 |
| Net loans and leases to core deposits | 46.3627% | 4,947 |
| Total domestic deposits to total assets | 78.9747% | 4,228 |
| Equity capital to assets | 20.8948% | 211 |
| Core capital (leverage) ratio | 20.7538% | 208 |
| Tier 1 risk-based capital ratio | 42.1334% | 209 |
| Total risk-based capital ratio | 42.9581% | 211 |
| Memoranda: | ||
| Average total assets | $29,474,330 | 5,149 |
| Average earning assets | $27,883,670 | 5,129 |
| Average equity | $5,984,000 | 4,853 |
| Average total loans | $10,808,000 | 5,169 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4158% | 5,100 |
| Cost of funding earning assets | 0.1566% | 5,199 |
| Net interest margin | 3.2593% | 4,254 |
| Noninterest income to average assets | 0.2023% | 4,544 |
| Noninterest expense to average assets | 2.3871% | 3,800 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6608% | 4,060 |
| Return on assets (ROA) | 0.6608% | 4,098 |
| Pretax return on assets | 0.9036% | 3,757 |
| Return on Equity (ROE) | 3.3022% | 4,723 |
| Retained earnings to average equity (ytd only) | 3.2348% | 3,632 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5410% | 1,952 |
| Assets per employee ($millions) | 6.1178% | 1,456 |
| Cash dividends to net income (ytd only)* | 2.0408% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0823% | 3,223 |
| Loan loss allowance to noncurrent loans | 283.3333% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.5852% | 2,311 |
| Noncurrent loans to loans | 0.3820% | 3,219 |
| Net loans and leases to total assets | 35.5553% | 5,028 |
| Net loans and leases to deposits | 44.3086% | 4,978 |
| Net loans and leases to core deposits | 44.3086% | 5,031 |
| Total domestic deposits to total assets | 80.2445% | 4,127 |
| Equity capital to assets | 19.5593% | 259 |
| Core capital (leverage) ratio | 20.4491% | 224 |
| Tier 1 risk-based capital ratio | 39.0845% | 247 |
| Total risk-based capital ratio | 39.8561% | 249 |
| Memoranda: | ||
| Average total assets | $29,660,000 | 5,204 |
| Average earning assets | $28,104,500 | 5,183 |
| Average equity | $5,935,500 | 4,900 |
| Average total loans | $10,824,500 | 5,229 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1411% | 5,176 |
| Cost of funding earning assets | 0.1686% | 5,121 |
| Net interest margin | 2.9725% | 4,830 |
| Noninterest income to average assets | 0.1563% | 4,942 |
| Noninterest expense to average assets | 2.2322% | 4,264 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5402% | 4,567 |
| Return on assets (ROA) | 0.5402% | 4,564 |
| Pretax return on assets | 0.6795% | 4,461 |
| Return on Equity (ROE) | 2.7422% | 4,951 |
| Retained earnings to average equity (ytd only) | 2.6387% | 4,084 |
| Net charge-offs to loans | 0.0887% | 1,890 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 22.2222% | 1,909 |
| Efficiency ratio | 76.6628% | 1,274 |
| Assets per employee ($millions) | 5.7462% | 1,722 |
| Cash dividends to net income (ytd only)* | 3.7736% | 3,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1170% | 2,997 |
| Loan loss allowance to noncurrent loans | 126.5957% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 0.8040% | 1,734 |
| Noncurrent loans to loans | 0.8823% | 1,823 |
| Net loans and leases to total assets | 36.6677% | 5,052 |
| Net loans and leases to deposits | 46.1656% | 4,977 |
| Net loans and leases to core deposits | 46.1656% | 5,033 |
| Total domestic deposits to total assets | 79.4264% | 4,228 |
| Equity capital to assets | 20.4935% | 209 |
| Core capital (leverage) ratio | 20.3056% | 221 |
| Tier 1 risk-based capital ratio | 40.2924% | 228 |
| Total risk-based capital ratio | 41.0940% | 236 |
| Memoranda: | ||
| Average total assets | $29,432,200 | 5,249 |
| Average earning assets | $27,283,600 | 5,235 |
| Average equity | $5,798,200 | 4,929 |
| Average total loans | $10,141,400 | 5,284 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0447% | 5,269 |
| Cost of funding earning assets | 0.1562% | 5,203 |
| Net interest margin | 2.8885% | 4,990 |
| Noninterest income to average assets | 0.1711% | 4,932 |
| Noninterest expense to average assets | 2.2201% | 4,276 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4909% | 4,777 |
| Return on assets (ROA) | 0.4909% | 4,784 |
| Pretax return on assets | 0.6169% | 4,702 |
| Return on Equity (ROE) | 2.5162% | 5,068 |
| Retained earnings to average equity (ytd only) | 2.4239% | 4,428 |
| Net charge-offs to loans | 0.1198% | 1,310 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 15.2217% | 2,240 |
| Efficiency ratio | 78.2540% | 1,094 |
| Assets per employee ($millions) | 6.0056% | 1,481 |
| Cash dividends to net income (ytd only)* | 3.6675% | 3,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2191% | 2,514 |
| Loan loss allowance to noncurrent loans | 238.0000% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.6228% | 2,315 |
| Noncurrent loans to loans | 0.5122% | 2,846 |
| Net loans and leases to total assets | 32.1100% | 5,241 |
| Net loans and leases to deposits | 39.8265% | 5,213 |
| Net loans and leases to core deposits | 39.8265% | 5,242 |
| Total domestic deposits to total assets | 80.6248% | 3,974 |
| Equity capital to assets | 19.3186% | 257 |
| Core capital (leverage) ratio | 19.6430% | 250 |
| Tier 1 risk-based capital ratio | 41.9371% | 205 |
| Total risk-based capital ratio | 42.7784% | 208 |
| Memoranda: | ||
| Average total assets | $29,607,500 | 5,313 |
| Average earning assets | $27,325,750 | 5,304 |
| Average equity | $5,775,750 | 4,986 |
| Average total loans | $10,013,250 | 5,354 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0055% | 5,333 |
| Cost of funding earning assets | 0.1551% | 5,223 |
| Net interest margin | 2.8504% | 5,072 |
| Noninterest income to average assets | 0.1900% | 4,874 |
| Noninterest expense to average assets | 2.2669% | 4,219 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4412% | 4,872 |
| Return on assets (ROA) | 0.4412% | 4,878 |
| Pretax return on assets | 0.5430% | 4,828 |
| Return on Equity (ROE) | 2.2541% | 5,145 |
| Retained earnings to average equity (ytd only) | 2.1500% | 4,414 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6763% | 941 |
| Assets per employee ($millions) | 5.9234% | 1,521 |
| Cash dividends to net income (ytd only)* | 4.6154% | 3,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3077% | 2,132 |
| Loan loss allowance to noncurrent loans | 304.7619% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.6044% | 2,410 |
| Noncurrent loans to loans | 0.4291% | 3,164 |
| Net loans and leases to total assets | 32.6164% | 5,278 |
| Net loans and leases to deposits | 40.5286% | 5,233 |
| Net loans and leases to core deposits | 40.5286% | 5,270 |
| Total domestic deposits to total assets | 80.4774% | 4,144 |
| Equity capital to assets | 19.4821% | 245 |
| Core capital (leverage) ratio | 20.1623% | 221 |
| Tier 1 risk-based capital ratio | 42.1437% | 203 |
| Total risk-based capital ratio | 43.0595% | 206 |
| Memoranda: | ||
| Average total assets | $29,467,330 | 5,383 |
| Average earning assets | $27,083,670 | 5,369 |
| Average equity | $5,767,330 | 5,035 |
| Average total loans | $10,097,330 | 5,412 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0125% | 5,364 |
| Cost of funding earning assets | 0.1329% | 5,345 |
| Net interest margin | 2.8796% | 5,062 |
| Noninterest income to average assets | 0.2177% | 4,699 |
| Noninterest expense to average assets | 2.1366% | 4,564 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5716% | 4,508 |
| Return on assets (ROA) | 0.5716% | 4,513 |
| Pretax return on assets | 0.7349% | 4,336 |
| Return on Equity (ROE) | 2.9136% | 5,033 |
| Retained earnings to average equity (ytd only) | 2.8443% | 4,056 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4076% | 1,842 |
| Assets per employee ($millions) | 5.9356% | 1,568 |
| Cash dividends to net income (ytd only)* | 2.3810% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2488% | 2,527 |
| Loan loss allowance to noncurrent loans | 43.6860% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 0.9873% | 1,590 |
| Noncurrent loans to loans | 2.8585% | 436 |
| Net loans and leases to total assets | 34.1061% | 5,266 |
| Net loans and leases to deposits | 42.3267% | 5,207 |
| Net loans and leases to core deposits | 42.3267% | 5,260 |
| Total domestic deposits to total assets | 80.5782% | 4,298 |
| Equity capital to assets | 19.3948% | 237 |
| Core capital (leverage) ratio | 20.2366% | 205 |
| Tier 1 risk-based capital ratio | 41.3385% | 212 |
| Total risk-based capital ratio | 42.2402% | 213 |
| Memoranda: | ||
| Average total assets | $29,392,500 | 5,442 |
| Average earning assets | $27,087,500 | 5,431 |
| Average equity | $5,766,000 | 5,094 |
| Average total loans | $10,252,000 | 5,472 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8381% | 5,444 |
| Cost of funding earning assets | 0.1531% | 5,245 |
| Net interest margin | 2.6850% | 5,286 |
| Noninterest income to average assets | 0.2150% | 4,867 |
| Noninterest expense to average assets | 2.1638% | 4,614 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4577% | 4,497 |
| Return on assets (ROA) | 0.4577% | 4,527 |
| Pretax return on assets | 0.5444% | 4,855 |
| Return on Equity (ROE) | 2.3042% | 4,991 |
| Retained earnings to average equity (ytd only) | 2.1995% | 4,003 |
| Net charge-offs to loans | -0.0196% | 4,953 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8976% | 1,115 |
| Assets per employee ($millions) | 5.8176% | 1,641 |
| Cash dividends to net income (ytd only)* | 4.5455% | 4,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2506% | 2,464 |
| Loan loss allowance to noncurrent loans | 55.6522% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 0.7907% | 1,971 |
| Noncurrent loans to loans | 2.2472% | 638 |
| Net loans and leases to total assets | 34.7463% | 5,323 |
| Net loans and leases to deposits | 43.3293% | 5,263 |
| Net loans and leases to core deposits | 43.3293% | 5,313 |
| Total domestic deposits to total assets | 80.1911% | 4,302 |
| Equity capital to assets | 19.7917% | 216 |
| Core capital (leverage) ratio | 19.4919% | 214 |
| Tier 1 risk-based capital ratio | 41.6284% | 192 |
| Total risk-based capital ratio | 42.5459% | 193 |
| Memoranda: | ||
| Average total assets | $28,838,000 | 5,506 |
| Average earning assets | $26,778,200 | 5,490 |
| Average equity | $5,728,600 | 5,142 |
| Average total loans | $10,179,600 | 5,538 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7950% | 5,522 |
| Cost of funding earning assets | 0.1495% | 5,316 |
| Net interest margin | 2.6455% | 5,371 |
| Noninterest income to average assets | 0.2270% | 4,853 |
| Noninterest expense to average assets | 2.1777% | 4,571 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4077% | 4,983 |
| Return on assets (ROA) | 0.4077% | 5,016 |
| Pretax return on assets | 0.5097% | 5,010 |
| Return on Equity (ROE) | 2.0507% | 5,300 |
| Retained earnings to average equity (ytd only) | 1.9341% | 4,663 |
| Net charge-offs to loans | -0.0263% | 4,949 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0345% | 994 |
| Assets per employee ($millions) | 5.9814% | 1,507 |
| Cash dividends to net income (ytd only)* | 5.6848% | 3,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2792% | 2,467 |
| Loan loss allowance to noncurrent loans | 45.2297% | 4,635 |
| Noncurrent assets plus other real estate owned to assets | 0.9463% | 1,800 |
| Noncurrent loans to loans | 2.8283% | 476 |
| Net loans and leases to total assets | 33.0291% | 5,429 |
| Net loans and leases to deposits | 40.9859% | 5,388 |
| Net loans and leases to core deposits | 40.9859% | 5,442 |
| Total domestic deposits to total assets | 80.5865% | 4,178 |
| Equity capital to assets | 19.3132% | 255 |
| Core capital (leverage) ratio | 19.4554% | 226 |
| Tier 1 risk-based capital ratio | 42.7238% | 191 |
| Total risk-based capital ratio | 43.6722% | 188 |
| Memoranda: | ||
| Average total assets | $28,775,500 | 5,565 |
| Average earning assets | $26,761,750 | 5,550 |
| Average equity | $5,721,500 | 5,202 |
| Average total loans | $10,165,750 | 5,594 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8735% | 5,522 |
| Cost of funding earning assets | 0.1504% | 5,334 |
| Net interest margin | 2.7231% | 5,337 |
| Noninterest income to average assets | 0.2605% | 4,669 |
| Noninterest expense to average assets | 2.2109% | 4,543 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4436% | 4,865 |
| Return on assets (ROA) | 0.4436% | 4,887 |
| Pretax return on assets | 0.5985% | 4,810 |
| Return on Equity (ROE) | 2.2068% | 5,304 |
| Retained earnings to average equity (ytd only) | 2.1017% | 4,412 |
| Net charge-offs to loans | -0.0391% | 5,066 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6967% | 1,365 |
| Assets per employee ($millions) | 5.7602% | 1,645 |
| Cash dividends to net income (ytd only)* | 4.7619% | 3,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2302% | 2,829 |
| Loan loss allowance to noncurrent loans | 113.2743% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 0.3923% | 3,545 |
| Noncurrent loans to loans | 1.0860% | 1,808 |
| Net loans and leases to total assets | 35.6828% | 5,390 |
| Net loans and leases to deposits | 44.6748% | 5,318 |
| Net loans and leases to core deposits | 44.6748% | 5,381 |
| Total domestic deposits to total assets | 79.8722% | 4,440 |
| Equity capital to assets | 19.9924% | 220 |
| Core capital (leverage) ratio | 20.3084% | 195 |
| Tier 1 risk-based capital ratio | 42.0979% | 186 |
| Total risk-based capital ratio | 43.0362% | 188 |
| Memoranda: | ||
| Average total assets | $28,404,670 | 5,618 |
| Average earning assets | $26,587,330 | 5,597 |
| Average equity | $5,709,670 | 5,235 |
| Average total loans | $10,225,330 | 5,639 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9347% | 5,517 |
| Cost of funding earning assets | 0.1354% | 5,457 |
| Net interest margin | 2.7993% | 5,238 |
| Noninterest income to average assets | 0.2978% | 4,425 |
| Noninterest expense to average assets | 2.2406% | 4,556 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5672% | 4,296 |
| Return on assets (ROA) | 0.5672% | 4,340 |
| Pretax return on assets | 0.6949% | 4,467 |
| Return on Equity (ROE) | 2.8142% | 5,146 |
| Retained earnings to average equity (ytd only) | 2.6735% | 4,071 |
| Net charge-offs to loans | -0.0789% | 5,368 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3285% | 1,864 |
| Assets per employee ($millions) | 5.5734% | 1,820 |
| Cash dividends to net income (ytd only)* | 5.0000% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2730% | 2,669 |
| Loan loss allowance to noncurrent loans | 64.9746% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 0.7069% | 2,524 |
| Noncurrent loans to loans | 1.9592% | 916 |
| Net loans and leases to total assets | 35.6228% | 5,419 |
| Net loans and leases to deposits | 44.8840% | 5,338 |
| Net loans and leases to core deposits | 44.8840% | 5,390 |
| Total domestic deposits to total assets | 79.3663% | 4,753 |
| Equity capital to assets | 20.5225% | 196 |
| Core capital (leverage) ratio | 20.0900% | 196 |
| Tier 1 risk-based capital ratio | 41.7274% | 203 |
| Total risk-based capital ratio | 42.6699% | 204 |
| Memoranda: | ||
| Average total assets | $28,206,500 | 5,686 |
| Average earning assets | $26,578,500 | 5,665 |
| Average equity | $5,685,500 | 5,288 |
| Average total loans | $10,135,500 | 5,710 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9455% | 5,541 |
| Cost of funding earning assets | 0.1630% | 5,339 |
| Net interest margin | 2.7824% | 5,320 |
| Noninterest income to average assets | 0.2288% | 5,043 |
| Noninterest expense to average assets | 2.2580% | 4,635 |
| Loan and lease loss provision to assets | 0.1326% | 1,880 |
| Net operating income to assets | 0.3150% | 5,182 |
| Return on assets (ROA) | 0.3150% | 5,252 |
| Pretax return on assets | 0.3846% | 5,249 |
| Return on Equity (ROE) | 1.6755% | 5,461 |
| Retained earnings to average equity (ytd only) | 1.5873% | 4,622 |
| Net charge-offs to loans | -0.0098% | 4,934 |
| Credit loss provision to net charge-offs | -4,000.0000% | 5,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3620% | 1,274 |
| Assets per employee ($millions) | 5.7092% | 1,690 |
| Cash dividends to net income (ytd only)* | 5.2632% | 4,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2334% | 2,918 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1576% | 4,688 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 35.3465% | 5,506 |
| Net loans and leases to deposits | 44.1228% | 5,427 |
| Net loans and leases to core deposits | 44.1228% | 5,484 |
| Total domestic deposits to total assets | 80.1093% | 4,550 |
| Equity capital to assets | 19.7996% | 211 |
| Core capital (leverage) ratio | 19.0550% | 229 |
| Tier 1 risk-based capital ratio | 41.0638% | 209 |
| Total risk-based capital ratio | 41.9744% | 209 |
| Memoranda: | ||
| Average total assets | $30,159,600 | 5,711 |
| Average earning assets | $27,601,600 | 5,697 |
| Average equity | $5,670,000 | 5,339 |
| Average total loans | $10,248,400 | 5,763 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9423% | 5,615 |
| Cost of funding earning assets | 0.1536% | 5,466 |
| Net interest margin | 2.7887% | 5,373 |
| Noninterest income to average assets | 0.2225% | 5,136 |
| Noninterest expense to average assets | 2.2031% | 4,760 |
| Loan and lease loss provision to assets | 0.1745% | 1,289 |
| Net operating income to assets | 0.3097% | 5,264 |
| Return on assets (ROA) | 0.3097% | 5,352 |
| Pretax return on assets | 0.3795% | 5,339 |
| Return on Equity (ROE) | 1.6682% | 5,531 |
| Retained earnings to average equity (ytd only) | 1.5742% | 4,880 |
| Net charge-offs to loans | -0.0130% | 4,869 |
| Credit loss provision to net charge-offs | -4,000.0000% | 5,389 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9051% | 1,441 |
| Assets per employee ($millions) | 5.9254% | 1,491 |
| Cash dividends to net income (ytd only)* | 5.6307% | 3,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2287% | 3,074 |
| Loan loss allowance to noncurrent loans | 450.0000% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.2464% | 4,452 |
| Noncurrent loans to loans | 0.2730% | 4,283 |
| Net loans and leases to total assets | 34.1884% | 5,616 |
| Net loans and leases to deposits | 42.5982% | 5,565 |
| Net loans and leases to core deposits | 42.5982% | 5,621 |
| Total domestic deposits to total assets | 80.2579% | 4,450 |
| Equity capital to assets | 19.4113% | 246 |
| Core capital (leverage) ratio | 18.5090% | 262 |
| Tier 1 risk-based capital ratio | 41.0718% | 210 |
| Total risk-based capital ratio | 42.0019% | 211 |
| Memoranda: | ||
| Average total assets | $30,563,000 | 5,766 |
| Average earning assets | $27,778,000 | 5,754 |
| Average equity | $5,674,500 | 5,391 |
| Average total loans | $10,256,500 | 5,823 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9341% | 5,701 |
| Cost of funding earning assets | 0.1571% | 5,500 |
| Net interest margin | 2.7771% | 5,463 |
| Noninterest income to average assets | 0.2267% | 5,134 |
| Noninterest expense to average assets | 2.1117% | 5,031 |
| Loan and lease loss provision to assets | 0.2591% | 734 |
| Net operating income to assets | 0.2267% | 5,477 |
| Return on assets (ROA) | 0.2267% | 5,541 |
| Pretax return on assets | 0.3757% | 5,378 |
| Return on Equity (ROE) | 1.2392% | 5,649 |
| Retained earnings to average equity (ytd only) | 1.1329% | 4,929 |
| Net charge-offs to loans | -0.0195% | 4,936 |
| Credit loss provision to net charge-offs | -4,000.0000% | 5,301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8868% | 1,947 |
| Assets per employee ($millions) | 5.0923% | 2,205 |
| Cash dividends to net income (ytd only)* | 8.5714% | 3,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1900% | 3,422 |
| Loan loss allowance to noncurrent loans | 24.7059% | 5,359 |
| Noncurrent assets plus other real estate owned to assets | 1.8165% | 945 |
| Noncurrent loans to loans | 4.8168% | 190 |
| Net loans and leases to total assets | 34.2410% | 5,670 |
| Net loans and leases to deposits | 42.3083% | 5,608 |
| Net loans and leases to core deposits | 42.3083% | 5,674 |
| Total domestic deposits to total assets | 80.9321% | 4,298 |
| Equity capital to assets | 18.7242% | 278 |
| Core capital (leverage) ratio | 17.5655% | 326 |
| Tier 1 risk-based capital ratio | 39.1847% | 243 |
| Total risk-based capital ratio | 40.0780% | 245 |
| Memoranda: | ||
| Average total assets | $30,875,000 | 5,830 |
| Average earning assets | $28,015,000 | 5,822 |
| Average equity | $5,649,000 | 5,452 |
| Average total loans | $10,257,000 | 5,898 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9111% | 5,773 |
| Cost of funding earning assets | 0.1434% | 5,651 |
| Net interest margin | 2.7677% | 5,519 |
| Noninterest income to average assets | 0.2449% | 4,985 |
| Noninterest expense to average assets | 2.1266% | 5,061 |
| Loan and lease loss provision to assets | 0.5155% | 233 |
| Net operating income to assets | 0.0516% | 5,738 |
| Return on assets (ROA) | 0.0516% | 5,776 |
| Pretax return on assets | 0.0902% | 5,747 |
| Return on Equity (ROE) | 0.2851% | 5,791 |
| Retained earnings to average equity (ytd only) | 0.2138% | 5,055 |
| Net charge-offs to loans | -0.0396% | 5,206 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,993 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8302% | 1,915 |
| Assets per employee ($millions) | 5.2642% | 2,065 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2134% | 3,401 |
| Loan loss allowance to noncurrent loans | 54.0773% | 4,733 |
| Noncurrent assets plus other real estate owned to assets | 0.8802% | 2,485 |
| Noncurrent loans to loans | 2.2438% | 905 |
| Net loans and leases to total assets | 32.4774% | 5,769 |
| Net loans and leases to deposits | 39.6552% | 5,725 |
| Net loans and leases to core deposits | 39.6552% | 5,781 |
| Total domestic deposits to total assets | 81.8996% | 4,257 |
| Equity capital to assets | 17.9009% | 332 |
| Core capital (leverage) ratio | 18.2248% | 280 |
| Tier 1 risk-based capital ratio | 39.4769% | 242 |
| Total risk-based capital ratio | 40.3725% | 243 |
| Memoranda: | ||
| Average total assets | $31,035,500 | 5,890 |
| Average earning assets | $27,893,000 | 5,881 |
| Average equity | $5,613,000 | 5,492 |
| Average total loans | $10,091,500 | 5,959 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8035% | 5,876 |
| Cost of funding earning assets | 0.1714% | 5,521 |
| Net interest margin | 2.6321% | 5,731 |
| Noninterest income to average assets | 0.1907% | 5,450 |
| Noninterest expense to average assets | 2.1963% | 5,053 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2797% | 5,411 |
| Return on assets (ROA) | 0.2797% | 5,490 |
| Pretax return on assets | 0.3369% | 5,444 |
| Return on Equity (ROE) | 1.5871% | 5,665 |
| Retained earnings to average equity (ytd only) | 1.4970% | 4,867 |
| Net charge-offs to loans | 0.3783% | 762 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 2.8649% | 3,811 |
| Efficiency ratio | 86.7001% | 941 |
| Assets per employee ($millions) | 5.0810% | 2,272 |
| Cash dividends to net income (ytd only)* | 5.6818% | 4,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8648% | 5,214 |
| Loan loss allowance to noncurrent loans | 207.3171% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.2821% | 4,457 |
| Noncurrent loans to loans | 0.4171% | 3,956 |
| Net loans and leases to total assets | 31.9622% | 5,838 |
| Net loans and leases to deposits | 39.1294% | 5,803 |
| Net loans and leases to core deposits | 39.1294% | 5,849 |
| Total domestic deposits to total assets | 81.6834% | 4,269 |
| Equity capital to assets | 18.2772% | 296 |
| Core capital (leverage) ratio | 17.6148% | 307 |
| Tier 1 risk-based capital ratio | 50.0492% | 126 |
| Total risk-based capital ratio | 50.8096% | 128 |
| Memoranda: | ||
| Average total assets | $31,461,400 | 5,937 |
| Average earning assets | $28,000,800 | 5,935 |
| Average equity | $5,544,600 | 5,532 |
| Average total loans | $9,780,400 | 6,018 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7824% | 5,967 |
| Cost of funding earning assets | 0.1701% | 5,628 |
| Net interest margin | 2.6123% | 5,826 |
| Noninterest income to average assets | 0.1892% | 5,530 |
| Noninterest expense to average assets | 2.2204% | 4,993 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2565% | 5,562 |
| Return on assets (ROA) | 0.2565% | 5,641 |
| Pretax return on assets | 0.2944% | 5,649 |
| Return on Equity (ROE) | 1.4686% | 5,784 |
| Retained earnings to average equity (ytd only) | 1.3964% | 5,161 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2943% | 818 |
| Assets per employee ($millions) | 5.3052% | 1,950 |
| Cash dividends to net income (ytd only)* | 4.9182% | 3,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2954% | 3,124 |
| Loan loss allowance to noncurrent loans | 62.5641% | 4,610 |
| Noncurrent assets plus other real estate owned to assets | 0.7540% | 3,016 |
| Noncurrent loans to loans | 2.0705% | 1,108 |
| Net loans and leases to total assets | 29.2042% | 5,996 |
| Net loans and leases to deposits | 35.4633% | 5,991 |
| Net loans and leases to core deposits | 35.4633% | 6,025 |
| Total domestic deposits to total assets | 82.3505% | 4,050 |
| Equity capital to assets | 17.5489% | 383 |
| Core capital (leverage) ratio | 17.5863% | 325 |
| Tier 1 risk-based capital ratio | 52.3863% | 123 |
| Total risk-based capital ratio | 53.5302% | 122 |
| Memoranda: | ||
| Average total assets | $31,705,250 | 6,011 |
| Average earning assets | $28,224,500 | 6,012 |
| Average equity | $5,537,750 | 5,606 |
| Average total loans | $9,768,250 | 6,100 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7974% | 6,020 |
| Cost of funding earning assets | 0.1762% | 5,642 |
| Net interest margin | 2.6213% | 5,862 |
| Noninterest income to average assets | 0.1895% | 5,549 |
| Noninterest expense to average assets | 2.2676% | 4,932 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2337% | 5,621 |
| Return on assets (ROA) | 0.2337% | 5,693 |
| Pretax return on assets | 0.2716% | 5,704 |
| Return on Equity (ROE) | 1.3402% | 5,827 |
| Retained earnings to average equity (ytd only) | 1.2315% | 5,066 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3035% | 805 |
| Assets per employee ($millions) | 5.2323% | 2,006 |
| Cash dividends to net income (ytd only)* | 8.1081% | 3,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2373% | 3,576 |
| Loan loss allowance to noncurrent loans | 22.8893% | 5,638 |
| Noncurrent assets plus other real estate owned to assets | 1.8411% | 1,244 |
| Noncurrent loans to loans | 5.4057% | 197 |
| Net loans and leases to total assets | 31.0187% | 6,006 |
| Net loans and leases to deposits | 37.6697% | 5,990 |
| Net loans and leases to core deposits | 37.6697% | 6,034 |
| Total domestic deposits to total assets | 82.3438% | 4,173 |
| Equity capital to assets | 17.6053% | 374 |
| Core capital (leverage) ratio | 17.7139% | 312 |
| Tier 1 risk-based capital ratio | 51.8941% | 131 |
| Total risk-based capital ratio | 53.0353% | 131 |
| Memoranda: | ||
| Average total assets | $31,663,330 | 6,080 |
| Average earning assets | $28,383,000 | 6,079 |
| Average equity | $5,521,670 | 5,659 |
| Average total loans | $9,885,000 | 6,167 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7710% | 6,087 |
| Cost of funding earning assets | 0.1679% | 5,790 |
| Net interest margin | 2.6030% | 5,920 |
| Noninterest income to average assets | 0.2013% | 5,509 |
| Noninterest expense to average assets | 2.0127% | 5,556 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4025% | 5,063 |
| Return on assets (ROA) | 0.4025% | 5,174 |
| Pretax return on assets | 0.5283% | 5,101 |
| Return on Equity (ROE) | 2.3193% | 5,604 |
| Retained earnings to average equity (ytd only) | 2.2468% | 4,559 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2079% | 1,998 |
| Assets per employee ($millions) | 5.3142% | 1,976 |
| Cash dividends to net income (ytd only)* | 3.1250% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2207% | 3,834 |
| Loan loss allowance to noncurrent loans | 123.2323% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 0.4516% | 4,230 |
| Noncurrent loans to loans | 0.9906% | 2,788 |
| Net loans and leases to total assets | 30.9613% | 6,035 |
| Net loans and leases to deposits | 37.5375% | 6,003 |
| Net loans and leases to core deposits | 37.5375% | 6,059 |
| Total domestic deposits to total assets | 82.4808% | 4,358 |
| Equity capital to assets | 17.4659% | 384 |
| Core capital (leverage) ratio | 15.1452% | 588 |
| Tier 1 risk-based capital ratio | 45.4087% | 187 |
| Total risk-based capital ratio | 46.5483% | 188 |
| Memoranda: | ||
| Average total assets | $31,798,000 | 6,144 |
| Average earning assets | $28,582,000 | 6,133 |
| Average equity | $5,519,000 | 5,713 |
| Average total loans | $9,897,500 | 6,234 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6519% | 6,285 |
| Cost of funding earning assets | 0.1823% | 5,894 |
| Net interest margin | 2.4696% | 6,183 |
| Noninterest income to average assets | 0.1747% | 5,812 |
| Noninterest expense to average assets | 1.9984% | 5,762 |
| Loan and lease loss provision to assets | 0.0460% | 3,653 |
| Net operating income to assets | 0.2605% | 5,623 |
| Return on assets (ROA) | 0.2605% | 5,689 |
| Pretax return on assets | 0.3310% | 5,641 |
| Return on Equity (ROE) | 1.5697% | 5,873 |
| Retained earnings to average equity (ytd only) | 1.4589% | 5,111 |
| Net charge-offs to loans | 0.1957% | 2,098 |
| Credit loss provision to net charge-offs | 83.3333% | 2,794 |
| Earnings coverage of net charge-offs (x) | 6.8333% | 3,130 |
| Efficiency ratio | 84.1290% | 1,396 |
| Assets per employee ($millions) | 5.2852% | 1,980 |
| Cash dividends to net income (ytd only)* | 7.0588% | 4,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2448% | 3,747 |
| Loan loss allowance to noncurrent loans | 128.4211% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 0.4415% | 4,347 |
| Noncurrent loans to loans | 0.9693% | 2,900 |
| Net loans and leases to total assets | 30.5225% | 6,159 |
| Net loans and leases to deposits | 36.9005% | 6,139 |
| Net loans and leases to core deposits | 36.9005% | 6,183 |
| Total domestic deposits to total assets | 82.7158% | 4,177 |
| Equity capital to assets | 17.2464% | 396 |
| Core capital (leverage) ratio | 16.7922% | 390 |
| Tier 1 risk-based capital ratio | 39.6414% | 243 |
| Total risk-based capital ratio | 40.5163% | 246 |
| Memoranda: | ||
| Average total assets | $32,626,400 | 6,205 |
| Average earning assets | $29,073,800 | 6,199 |
| Average equity | $5,415,000 | 5,760 |
| Average total loans | $9,198,200 | 6,336 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6375% | 6,363 |
| Cost of funding earning assets | 0.1777% | 6,008 |
| Net interest margin | 2.4599% | 6,258 |
| Noninterest income to average assets | 0.2110% | 5,669 |
| Noninterest expense to average assets | 1.9722% | 5,815 |
| Loan and lease loss provision to assets | 0.0609% | 3,141 |
| Net operating income to assets | 0.3409% | 5,458 |
| Return on assets (ROA) | 0.3409% | 5,530 |
| Pretax return on assets | 0.3693% | 5,643 |
| Return on Equity (ROE) | 2.0735% | 5,818 |
| Retained earnings to average equity (ytd only) | 1.9994% | 5,052 |
| Net charge-offs to loans | 0.2506% | 1,542 |
| Credit loss provision to net charge-offs | 88.2353% | 2,466 |
| Earnings coverage of net charge-offs (x) | 6.2342% | 3,121 |
| Efficiency ratio | 82.0946% | 1,609 |
| Assets per employee ($millions) | 5.5445% | 1,687 |
| Cash dividends to net income (ytd only)* | 3.5714% | 3,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5140% | 2,637 |
| Loan loss allowance to noncurrent loans | 103.3613% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 0.4930% | 4,410 |
| Noncurrent loans to loans | 1.4648% | 2,222 |
| Net loans and leases to total assets | 24.0509% | 6,386 |
| Net loans and leases to deposits | 28.7878% | 6,384 |
| Net loans and leases to core deposits | 28.7878% | 6,402 |
| Total domestic deposits to total assets | 83.5453% | 3,933 |
| Equity capital to assets | 16.3916% | 508 |
| Core capital (leverage) ratio | 16.5478% | 415 |
| Tier 1 risk-based capital ratio | 43.6438% | 194 |
| Total risk-based capital ratio | 44.6156% | 193 |
| Memoranda: | ||
| Average total assets | $32,855,250 | 6,277 |
| Average earning assets | $29,269,000 | 6,272 |
| Average equity | $5,401,500 | 5,823 |
| Average total loans | $9,047,500 | 6,410 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6990% | 6,394 |
| Cost of funding earning assets | 0.1804% | 6,069 |
| Net interest margin | 2.5186% | 6,254 |
| Noninterest income to average assets | 0.2323% | 5,534 |
| Noninterest expense to average assets | 1.9867% | 5,859 |
| Loan and lease loss provision to assets | 0.0306% | 3,666 |
| Net operating income to assets | 0.3668% | 5,346 |
| Return on assets (ROA) | 0.3668% | 5,413 |
| Pretax return on assets | 0.4340% | 5,468 |
| Return on Equity (ROE) | 2.2287% | 5,785 |
| Retained earnings to average equity (ytd only) | 2.1544% | 4,816 |
| Net charge-offs to loans | 0.0855% | 2,835 |
| Credit loss provision to net charge-offs | 125.0000% | 1,659 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,648 |
| Efficiency ratio | 81.0474% | 1,871 |
| Assets per employee ($millions) | 5.5022% | 1,690 |
| Cash dividends to net income (ytd only)* | 3.3333% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3288% | 3,702 |
| Loan loss allowance to noncurrent loans | 74.5562% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 0.5119% | 4,470 |
| Noncurrent loans to loans | 1.7823% | 1,930 |
| Net loans and leases to total assets | 28.3404% | 6,350 |
| Net loans and leases to deposits | 33.9564% | 6,346 |
| Net loans and leases to core deposits | 33.9564% | 6,375 |
| Total domestic deposits to total assets | 83.4611% | 4,127 |
| Equity capital to assets | 16.4905% | 480 |
| Core capital (leverage) ratio | 16.9923% | 357 |
| Tier 1 risk-based capital ratio | 40.0480% | 240 |
| Total risk-based capital ratio | 40.9646% | 245 |
| Memoranda: | ||
| Average total assets | $32,718,000 | 6,336 |
| Average earning assets | $28,826,000 | 6,337 |
| Average equity | $5,384,330 | 5,868 |
| Average total loans | $9,355,330 | 6,468 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7337% | 6,436 |
| Cost of funding earning assets | 0.1822% | 6,147 |
| Net interest margin | 2.5515% | 6,285 |
| Noninterest income to average assets | 0.2947% | 5,015 |
| Noninterest expense to average assets | 2.0018% | 5,884 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4421% | 4,964 |
| Return on assets (ROA) | 0.4421% | 5,027 |
| Pretax return on assets | 0.5281% | 5,085 |
| Return on Equity (ROE) | 2.6893% | 5,564 |
| Retained earnings to average equity (ytd only) | 2.6146% | 4,506 |
| Net charge-offs to loans | 0.1722% | 1,687 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 10.7500% | 1,836 |
| Efficiency ratio | 79.1262% | 2,317 |
| Assets per employee ($millions) | 5.6148% | 1,600 |
| Cash dividends to net income (ytd only)* | 2.7778% | 2,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2955% | 4,148 |
| Loan loss allowance to noncurrent loans | 29.2978% | 5,872 |
| Noncurrent assets plus other real estate owned to assets | 1.2259% | 2,810 |
| Noncurrent loans to loans | 4.4218% | 561 |
| Net loans and leases to total assets | 27.3650% | 6,434 |
| Net loans and leases to deposits | 32.5956% | 6,412 |
| Net loans and leases to core deposits | 32.5956% | 6,445 |
| Total domestic deposits to total assets | 83.9532% | 4,291 |
| Equity capital to assets | 16.0171% | 526 |
| Core capital (leverage) ratio | 16.8547% | 380 |
| Tier 1 risk-based capital ratio | 39.4815% | 243 |
| Total risk-based capital ratio | 40.3529% | 250 |
| Memoranda: | ||
| Average total assets | $32,570,500 | 6,402 |
| Average earning assets | $28,532,500 | 6,406 |
| Average equity | $5,354,500 | 5,914 |
| Average total loans | $9,292,000 | 6,541 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7662% | 6,512 |
| Cost of funding earning assets | 0.2107% | 6,228 |
| Net interest margin | 2.5555% | 6,324 |
| Noninterest income to average assets | 0.2163% | 5,790 |
| Noninterest expense to average assets | 1.9342% | 6,135 |
| Loan and lease loss provision to assets | 0.0402% | 4,317 |
| Net operating income to assets | 0.4357% | 5,010 |
| Return on assets (ROA) | 0.4357% | 5,136 |
| Pretax return on assets | 0.5284% | 5,110 |
| Return on Equity (ROE) | 2.6413% | 5,634 |
| Retained earnings to average equity (ytd only) | 2.5289% | 4,455 |
| Net charge-offs to loans | -0.0112% | 6,034 |
| Credit loss provision to net charge-offs | -1,300.0000% | 6,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2840% | 2,575 |
| Assets per employee ($millions) | 5.2420% | 1,910 |
| Cash dividends to net income (ytd only)* | 4.2553% | 4,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3522% | 3,884 |
| Loan loss allowance to noncurrent loans | 48.2625% | 5,325 |
| Noncurrent assets plus other real estate owned to assets | 0.8235% | 3,828 |
| Noncurrent loans to loans | 2.8018% | 1,263 |
| Net loans and leases to total assets | 28.9934% | 6,494 |
| Net loans and leases to deposits | 34.8959% | 6,463 |
| Net loans and leases to core deposits | 34.8959% | 6,500 |
| Total domestic deposits to total assets | 83.0853% | 4,516 |
| Equity capital to assets | 16.8924% | 404 |
| Core capital (leverage) ratio | 16.3933% | 425 |
| Tier 1 risk-based capital ratio | 40.6099% | 222 |
| Total risk-based capital ratio | 41.5418% | 224 |
| Memoranda: | ||
| Average total assets | $32,364,400 | 6,474 |
| Average earning assets | $28,957,000 | 6,467 |
| Average equity | $5,338,200 | 5,976 |
| Average total loans | $8,931,800 | 6,622 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7370% | 6,608 |
| Cost of funding earning assets | 0.2095% | 6,360 |
| Net interest margin | 2.5275% | 6,405 |
| Noninterest income to average assets | 0.2373% | 5,737 |
| Noninterest expense to average assets | 1.8859% | 6,205 |
| Loan and lease loss provision to assets | 0.0532% | 3,969 |
| Net operating income to assets | 0.4582% | 4,990 |
| Return on assets (ROA) | 0.4582% | 5,133 |
| Pretax return on assets | 0.5686% | 5,138 |
| Return on Equity (ROE) | 2.7941% | 5,682 |
| Retained earnings to average equity (ytd only) | 2.6693% | 4,720 |
| Net charge-offs to loans | -0.0150% | 5,980 |
| Credit loss provision to net charge-offs | -1,300.0000% | 6,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2039% | 2,872 |
| Assets per employee ($millions) | 5.7020% | 1,446 |
| Cash dividends to net income (ytd only)* | 4.4666% | 3,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4961% | 3,473 |
| Loan loss allowance to noncurrent loans | 63.1313% | 4,691 |
| Noncurrent assets plus other real estate owned to assets | 0.5787% | 4,712 |
| Noncurrent loans to loans | 2.3698% | 1,855 |
| Net loans and leases to total assets | 24.0559% | 6,690 |
| Net loans and leases to deposits | 28.3979% | 6,691 |
| Net loans and leases to core deposits | 28.3979% | 6,705 |
| Total domestic deposits to total assets | 84.7100% | 3,878 |
| Equity capital to assets | 15.2490% | 671 |
| Core capital (leverage) ratio | 16.5249% | 428 |
| Tier 1 risk-based capital ratio | 40.4840% | 235 |
| Total risk-based capital ratio | 41.4177% | 236 |
| Memoranda: | ||
| Average total assets | $32,592,500 | 6,546 |
| Average earning assets | $29,277,250 | 6,534 |
| Average equity | $5,344,500 | 6,049 |
| Average total loans | $8,853,750 | 6,701 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8262% | 6,595 |
| Cost of funding earning assets | 0.2239% | 6,347 |
| Net interest margin | 2.6023% | 6,333 |
| Noninterest income to average assets | 0.2683% | 5,536 |
| Noninterest expense to average assets | 1.8719% | 6,266 |
| Loan and lease loss provision to assets | 0.0811% | 3,441 |
| Net operating income to assets | 0.4992% | 4,804 |
| Return on assets (ROA) | 0.4992% | 4,979 |
| Pretax return on assets | 0.6365% | 4,888 |
| Return on Equity (ROE) | 2.9701% | 5,637 |
| Retained earnings to average equity (ytd only) | 2.8587% | 4,492 |
| Net charge-offs to loans | -0.0222% | 5,999 |
| Credit loss provision to net charge-offs | -1,300.0000% | 6,069 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2892% | 3,421 |
| Assets per employee ($millions) | 5.3055% | 1,783 |
| Cash dividends to net income (ytd only)* | 3.7500% | 3,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3559% | 4,237 |
| Loan loss allowance to noncurrent loans | 89.9281% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 0.4367% | 5,184 |
| Noncurrent loans to loans | 1.5078% | 3,035 |
| Net loans and leases to total assets | 28.5678% | 6,621 |
| Net loans and leases to deposits | 34.3066% | 6,599 |
| Net loans and leases to core deposits | 34.3066% | 6,644 |
| Total domestic deposits to total assets | 83.2721% | 4,603 |
| Equity capital to assets | 16.6902% | 447 |
| Core capital (leverage) ratio | 16.9529% | 372 |
| Tier 1 risk-based capital ratio | 40.0624% | 231 |
| Total risk-based capital ratio | 40.9915% | 233 |
| Memoranda: | ||
| Average total assets | $32,052,670 | 6,602 |
| Average earning assets | $28,589,670 | 6,596 |
| Average equity | $5,387,000 | 6,083 |
| Average total loans | $9,020,000 | 6,741 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7607% | 6,704 |
| Cost of funding earning assets | 0.2081% | 6,536 |
| Net interest margin | 2.5526% | 6,438 |
| Noninterest income to average assets | 0.2736% | 5,491 |
| Noninterest expense to average assets | 1.8531% | 6,361 |
| Loan and lease loss provision to assets | 0.1617% | 2,251 |
| Net operating income to assets | 0.4477% | 4,921 |
| Return on assets (ROA) | 0.4477% | 5,082 |
| Pretax return on assets | 0.5472% | 5,123 |
| Return on Equity (ROE) | 2.6549% | 5,723 |
| Retained earnings to average equity (ytd only) | 2.5811% | 4,730 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3301% | 3,561 |
| Assets per employee ($millions) | 5.4378% | 1,723 |
| Cash dividends to net income (ytd only)* | 2.7778% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3766% | 4,348 |
| Loan loss allowance to noncurrent loans | 127.8351% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.2973% | 5,678 |
| Noncurrent loans to loans | 1.0768% | 3,996 |
| Net loans and leases to total assets | 27.2290% | 6,693 |
| Net loans and leases to deposits | 32.8235% | 6,667 |
| Net loans and leases to core deposits | 32.8235% | 6,699 |
| Total domestic deposits to total assets | 82.9558% | 4,868 |
| Equity capital to assets | 16.6917% | 462 |
| Core capital (leverage) ratio | 16.7444% | 381 |
| Tier 1 risk-based capital ratio | 39.4062% | 244 |
| Total risk-based capital ratio | 40.3197% | 246 |
| Memoranda: | ||
| Average total assets | $32,162,500 | 6,663 |
| Average earning assets | $28,833,000 | 6,650 |
| Average equity | $5,424,000 | 6,135 |
| Average total loans | $8,920,500 | 6,813 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0278% | 6,759 |
| Cost of funding earning assets | 0.2961% | 6,475 |
| Net interest margin | 2.7317% | 6,478 |
| Noninterest income to average assets | 0.2793% | 5,468 |
| Noninterest expense to average assets | 2.0055% | 6,315 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5210% | 4,595 |
| Return on assets (ROA) | 0.5210% | 4,866 |
| Pretax return on assets | 0.7062% | 4,650 |
| Return on Equity (ROE) | 3.0955% | 5,518 |
| Retained earnings to average equity (ytd only) | 2.9836% | 4,130 |
| Net charge-offs to loans | 0.1139% | 4,538 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 22.5000% | 1,256 |
| Efficiency ratio | 73.9583% | 3,076 |
| Assets per employee ($millions) | 5.2830% | 1,918 |
| Cash dividends to net income (ytd only)* | 3.6145% | 4,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2567% | 4,837 |
| Loan loss allowance to noncurrent loans | 144.1558% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.2429% | 5,941 |
| Noncurrent loans to loans | 0.8717% | 4,436 |
| Net loans and leases to total assets | 27.5159% | 6,774 |
| Net loans and leases to deposits | 33.3435% | 6,750 |
| Net loans and leases to core deposits | 33.3435% | 6,784 |
| Total domestic deposits to total assets | 82.5226% | 4,922 |
| Equity capital to assets | 17.0421% | 408 |
| Core capital (leverage) ratio | 16.4784% | 397 |
| Tier 1 risk-based capital ratio | 39.7277% | 242 |
| Total risk-based capital ratio | 40.5581% | 244 |
| Memoranda: | ||
| Average total assets | $31,862,800 | 6,710 |
| Average earning assets | $28,370,600 | 6,706 |
| Average equity | $5,362,600 | 6,191 |
| Average total loans | $8,779,000 | 6,893 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0739% | 6,865 |
| Cost of funding earning assets | 0.3055% | 6,590 |
| Net interest margin | 2.7683% | 6,554 |
| Noninterest income to average assets | 0.2800% | 5,537 |
| Noninterest expense to average assets | 2.0060% | 6,346 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5349% | 4,682 |
| Return on assets (ROA) | 0.5349% | 4,953 |
| Pretax return on assets | 0.7355% | 4,720 |
| Return on Equity (ROE) | 3.1883% | 5,611 |
| Retained earnings to average equity (ytd only) | 3.0887% | 4,697 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1707% | 3,123 |
| Assets per employee ($millions) | 5.5098% | 1,626 |
| Cash dividends to net income (ytd only)* | 3.1232% | 3,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5067% | 3,926 |
| Loan loss allowance to noncurrent loans | 40.7407% | 5,618 |
| Noncurrent assets plus other real estate owned to assets | 0.9619% | 4,359 |
| Noncurrent loans to loans | 3.6982% | 1,442 |
| Net loans and leases to total assets | 23.9269% | 6,972 |
| Net loans and leases to deposits | 28.7783% | 6,972 |
| Net loans and leases to core deposits | 28.7783% | 6,984 |
| Total domestic deposits to total assets | 83.1423% | 4,588 |
| Equity capital to assets | 16.3526% | 551 |
| Core capital (leverage) ratio | 16.0137% | 473 |
| Tier 1 risk-based capital ratio | 40.7465% | 223 |
| Total risk-based capital ratio | 41.6815% | 226 |
| Memoranda: | ||
| Average total assets | $31,904,000 | 6,794 |
| Average earning assets | $28,367,500 | 6,794 |
| Average equity | $5,352,750 | 6,259 |
| Average total loans | $8,765,500 | 6,987 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1820% | 6,885 |
| Cost of funding earning assets | 0.3275% | 6,611 |
| Net interest margin | 2.8546% | 6,489 |
| Noninterest income to average assets | 0.2855% | 5,531 |
| Noninterest expense to average assets | 2.1257% | 6,184 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5140% | 4,748 |
| Return on assets (ROA) | 0.5140% | 5,017 |
| Pretax return on assets | 0.7043% | 4,820 |
| Return on Equity (ROE) | 3.0366% | 5,679 |
| Retained earnings to average equity (ytd only) | 2.9616% | 4,663 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1121% | 2,878 |
| Assets per employee ($millions) | 4.5950% | 2,735 |
| Cash dividends to net income (ytd only)* | 2.4691% | 3,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3592% | 4,621 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 0.4415% | 5,675 |
| Noncurrent loans to loans | 1.3592% | 3,888 |
| Net loans and leases to total assets | 27.2999% | 6,947 |
| Net loans and leases to deposits | 32.9803% | 6,938 |
| Net loans and leases to core deposits | 32.9803% | 6,972 |
| Total domestic deposits to total assets | 82.7763% | 4,838 |
| Equity capital to assets | 16.7138% | 483 |
| Core capital (leverage) ratio | 16.6741% | 391 |
| Tier 1 risk-based capital ratio | 39.2627% | 244 |
| Total risk-based capital ratio | 40.1712% | 247 |
| Memoranda: | ||
| Average total assets | $31,519,000 | 6,855 |
| Average earning assets | $28,095,330 | 6,850 |
| Average equity | $5,335,000 | 6,291 |
| Average total loans | $9,010,330 | 7,040 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3831% | 6,831 |
| Cost of funding earning assets | 0.3194% | 6,781 |
| Net interest margin | 3.0636% | 6,146 |
| Noninterest income to average assets | 0.2949% | 5,509 |
| Noninterest expense to average assets | 1.9874% | 6,482 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7437% | 3,661 |
| Return on assets (ROA) | 0.7437% | 3,895 |
| Pretax return on assets | 1.0130% | 3,635 |
| Return on Equity (ROE) | 4.3654% | 5,110 |
| Retained earnings to average equity (ytd only) | 4.2901% | 4,018 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2393% | 4,514 |
| Assets per employee ($millions) | 4.5463% | 2,909 |
| Cash dividends to net income (ytd only)* | 1.7241% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3080% | 4,985 |
| Loan loss allowance to noncurrent loans | 65.0538% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 0.6505% | 5,262 |
| Noncurrent loans to loans | 2.0106% | 3,150 |
| Net loans and leases to total assets | 28.6890% | 6,955 |
| Net loans and leases to deposits | 34.6529% | 6,930 |
| Net loans and leases to core deposits | 34.6529% | 6,976 |
| Total domestic deposits to total assets | 82.7897% | 5,015 |
| Equity capital to assets | 16.7452% | 467 |
| Core capital (leverage) ratio | 16.7127% | 391 |
| Tier 1 risk-based capital ratio | 38.3945% | 258 |
| Total risk-based capital ratio | 39.2881% | 259 |
| Memoranda: | ||
| Average total assets | $31,196,000 | 6,917 |
| Average earning assets | $27,549,000 | 6,918 |
| Average equity | $5,314,500 | 6,330 |
| Average total loans | $9,064,500 | 7,097 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3753% | 7,064 |
| Cost of funding earning assets | 0.4781% | 6,620 |
| Net interest margin | 2.8972% | 6,696 |
| Noninterest income to average assets | 0.1951% | 6,104 |
| Noninterest expense to average assets | 2.3576% | 5,888 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.3544% | 5,050 |
| Return on assets (ROA) | 0.3544% | 5,220 |
| Pretax return on assets | 0.4780% | 5,052 |
| Return on Equity (ROE) | 2.0778% | 5,631 |
| Retained earnings to average equity (ytd only) | 1.9443% | 4,825 |
| Net charge-offs to loans | -0.0111% | 6,897 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1422% | 1,868 |
| Assets per employee ($millions) | 4.3669% | 3,128 |
| Cash dividends to net income (ytd only)* | 6.4220% | 3,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3629% | 4,625 |
| Loan loss allowance to noncurrent loans | 183.3333% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.2846% | 6,252 |
| Noncurrent loans to loans | 0.7434% | 5,214 |
| Net loans and leases to total assets | 28.6476% | 7,045 |
| Net loans and leases to deposits | 34.8593% | 7,028 |
| Net loans and leases to core deposits | 34.8593% | 7,061 |
| Total domestic deposits to total assets | 82.1807% | 5,067 |
| Equity capital to assets | 17.3384% | 409 |
| Core capital (leverage) ratio | 16.4464% | 417 |
| Tier 1 risk-based capital ratio | 39.2560% | 246 |
| Total risk-based capital ratio | 40.1803% | 243 |
| Memoranda: | ||
| Average total assets | $30,752,000 | 6,946 |
| Average earning assets | $28,027,400 | 6,919 |
| Average equity | $5,246,000 | 6,367 |
| Average total loans | $8,978,000 | 7,146 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3432% | 7,162 |
| Cost of funding earning assets | 0.4924% | 6,728 |
| Net interest margin | 2.8509% | 6,831 |
| Noninterest income to average assets | 0.1905% | 6,229 |
| Noninterest expense to average assets | 2.2945% | 6,055 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.3853% | 5,063 |
| Return on assets (ROA) | 0.3853% | 5,250 |
| Pretax return on assets | 0.5282% | 5,048 |
| Return on Equity (ROE) | 2.2677% | 5,688 |
| Retained earnings to average equity (ytd only) | 2.1405% | 5,061 |
| Net charge-offs to loans | -0.0148% | 6,842 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2883% | 2,076 |
| Assets per employee ($millions) | 4.0036% | 3,831 |
| Cash dividends to net income (ytd only)* | 5.6211% | 3,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4900% | 4,152 |
| Loan loss allowance to noncurrent loans | 137.5000% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.2748% | 6,376 |
| Noncurrent loans to loans | 1.0836% | 4,744 |
| Net loans and leases to total assets | 24.9774% | 7,208 |
| Net loans and leases to deposits | 30.1750% | 7,218 |
| Net loans and leases to core deposits | 30.1750% | 7,225 |
| Total domestic deposits to total assets | 82.7750% | 4,768 |
| Equity capital to assets | 16.6380% | 525 |
| Core capital (leverage) ratio | 15.9589% | 508 |
| Tier 1 risk-based capital ratio | 39.6655% | 259 |
| Total risk-based capital ratio | 40.6025% | 260 |
| Memoranda: | ||
| Average total assets | $30,798,000 | 7,014 |
| Average earning assets | $28,435,000 | 6,981 |
| Average equity | $5,232,500 | 6,422 |
| Average total loans | $9,003,000 | 7,217 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4629% | 7,181 |
| Cost of funding earning assets | 0.5273% | 6,755 |
| Net interest margin | 2.9356% | 6,726 |
| Noninterest income to average assets | 0.1909% | 6,299 |
| Noninterest expense to average assets | 2.5010% | 5,533 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3225% | 5,281 |
| Return on assets (ROA) | 0.3225% | 5,414 |
| Pretax return on assets | 0.4015% | 5,386 |
| Return on Equity (ROE) | 1.8845% | 5,826 |
| Retained earnings to average equity (ytd only) | 1.7691% | 5,110 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1678% | 1,590 |
| Assets per employee ($millions) | 3.9699% | 3,822 |
| Cash dividends to net income (ytd only)* | 6.1224% | 3,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3699% | 4,731 |
| Loan loss allowance to noncurrent loans | 193.5484% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.1952% | 6,616 |
| Noncurrent loans to loans | 0.7078% | 5,495 |
| Net loans and leases to total assets | 27.2049% | 7,260 |
| Net loans and leases to deposits | 32.7720% | 7,257 |
| Net loans and leases to core deposits | 32.7720% | 7,284 |
| Total domestic deposits to total assets | 83.0127% | 4,747 |
| Equity capital to assets | 16.5276% | 537 |
| Core capital (leverage) ratio | 16.6350% | 438 |
| Tier 1 risk-based capital ratio | 38.2439% | 273 |
| Total risk-based capital ratio | 39.1468% | 274 |
| Memoranda: | ||
| Average total assets | $30,387,670 | 7,095 |
| Average earning assets | $28,069,000 | 7,059 |
| Average equity | $5,200,330 | 6,465 |
| Average total loans | $9,297,000 | 7,279 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6974% | 7,071 |
| Cost of funding earning assets | 0.5199% | 6,898 |
| Net interest margin | 3.1774% | 6,143 |
| Noninterest income to average assets | 0.2693% | 5,746 |
| Noninterest expense to average assets | 2.4645% | 5,694 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5252% | 4,378 |
| Return on assets (ROA) | 0.5252% | 4,462 |
| Pretax return on assets | 0.7676% | 4,028 |
| Return on Equity (ROE) | 3.0139% | 5,361 |
| Retained earnings to average equity (ytd only) | 2.8594% | 4,451 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2500% | 3,118 |
| Assets per employee ($millions) | 3.8224% | 4,253 |
| Cash dividends to net income (ytd only)* | 5.1282% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2804% | 5,228 |
| Loan loss allowance to noncurrent loans | 120.0000% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 0.3270% | 6,380 |
| Noncurrent loans to loans | 1.0670% | 4,918 |
| Net loans and leases to total assets | 30.2561% | 7,222 |
| Net loans and leases to deposits | 36.6097% | 7,207 |
| Net loans and leases to core deposits | 36.6097% | 7,246 |
| Total domestic deposits to total assets | 82.6450% | 5,045 |
| Equity capital to assets | 16.9626% | 443 |
| Core capital (leverage) ratio | 16.8342% | 405 |
| Tier 1 risk-based capital ratio | 36.9952% | 303 |
| Total risk-based capital ratio | 37.8700% | 302 |
| Memoranda: | ||
| Average total assets | $29,702,000 | 7,158 |
| Average earning assets | $27,695,500 | 7,112 |
| Average equity | $5,176,000 | 6,495 |
| Average total loans | $9,565,500 | 7,329 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8059% | 7,249 |
| Cost of funding earning assets | 0.6718% | 6,951 |
| Net interest margin | 3.1340% | 6,427 |
| Noninterest income to average assets | 0.2084% | 6,309 |
| Noninterest expense to average assets | 2.5146% | 5,734 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.4585% | 4,274 |
| Return on assets (ROA) | 0.4585% | 4,444 |
| Pretax return on assets | 0.6425% | 4,191 |
| Return on Equity (ROE) | 2.5639% | 5,145 |
| Retained earnings to average equity (ytd only) | 2.4474% | 4,164 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6480% | 2,461 |
| Assets per employee ($millions) | 3.6031% | 4,699 |
| Cash dividends to net income (ytd only)* | 4.5455% | 3,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2296% | 5,370 |
| Loan loss allowance to noncurrent loans | 127.6596% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 0.3261% | 6,434 |
| Noncurrent loans to loans | 0.9632% | 5,126 |
| Net loans and leases to total assets | 33.4397% | 7,245 |
| Net loans and leases to deposits | 40.9299% | 7,220 |
| Net loans and leases to core deposits | 40.9299% | 7,283 |
| Total domestic deposits to total assets | 81.6999% | 5,291 |
| Equity capital to assets | 17.9185% | 379 |
| Core capital (leverage) ratio | 16.9750% | 403 |
| Tier 1 risk-based capital ratio | 36.9680% | 298 |
| Total risk-based capital ratio | 37.8485% | 298 |
| Memoranda: | ||
| Average total assets | $28,792,200 | 7,248 |
| Average earning assets | $27,089,800 | 7,190 |
| Average equity | $5,148,400 | 6,622 |
| Average total loans | $9,654,200 | 7,411 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8292% | 7,386 |
| Cost of funding earning assets | 0.7294% | 6,973 |
| Net interest margin | 3.0998% | 6,614 |
| Noninterest income to average assets | 0.2362% | 6,198 |
| Noninterest expense to average assets | 2.5060% | 5,700 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.4586% | 4,497 |
| Return on assets (ROA) | 0.4586% | 4,681 |
| Pretax return on assets | 0.6439% | 4,445 |
| Return on Equity (ROE) | 2.5660% | 5,406 |
| Retained earnings to average equity (ytd only) | 2.4622% | 4,698 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5588% | 2,415 |
| Assets per employee ($millions) | 4.2201% | 3,408 |
| Cash dividends to net income (ytd only)* | 4.0379% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3086% | 4,912 |
| Loan loss allowance to noncurrent loans | 315.7895% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.1286% | 7,036 |
| Noncurrent loans to loans | 0.4144% | 6,370 |
| Net loans and leases to total assets | 30.6354% | 7,448 |
| Net loans and leases to deposits | 37.5488% | 7,434 |
| Net loans and leases to core deposits | 37.5488% | 7,472 |
| Total domestic deposits to total assets | 81.5883% | 5,164 |
| Equity capital to assets | 17.7550% | 438 |
| Core capital (leverage) ratio | 17.1538% | 418 |
| Tier 1 risk-based capital ratio | 37.4897% | 295 |
| Total risk-based capital ratio | 38.3884% | 297 |
| Memoranda: | ||
| Average total assets | $28,784,000 | 7,341 |
| Average earning assets | $27,054,750 | 7,275 |
| Average equity | $5,144,250 | 6,705 |
| Average total loans | $9,628,000 | 7,506 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9012% | 7,426 |
| Cost of funding earning assets | 0.7324% | 7,118 |
| Net interest margin | 3.1688% | 6,408 |
| Noninterest income to average assets | 0.2103% | 6,416 |
| Noninterest expense to average assets | 2.4885% | 5,752 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.4767% | 4,431 |
| Return on assets (ROA) | 0.4767% | 4,584 |
| Pretax return on assets | 0.6940% | 4,260 |
| Return on Equity (ROE) | 2.6611% | 5,395 |
| Retained earnings to average equity (ytd only) | 2.5437% | 4,536 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1938% | 2,697 |
| Assets per employee ($millions) | 3.5648% | 4,772 |
| Cash dividends to net income (ytd only)* | 4.4118% | 3,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1889% | 5,518 |
| Loan loss allowance to noncurrent loans | 65.5738% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 0.6417% | 5,883 |
| Noncurrent loans to loans | 1.8131% | 3,985 |
| Net loans and leases to total assets | 34.9709% | 7,391 |
| Net loans and leases to deposits | 43.0446% | 7,354 |
| Net loans and leases to core deposits | 43.0446% | 7,428 |
| Total domestic deposits to total assets | 81.2434% | 5,316 |
| Equity capital to assets | 18.1324% | 406 |
| Core capital (leverage) ratio | 17.4295% | 405 |
| Tier 1 risk-based capital ratio | 36.2253% | 319 |
| Total risk-based capital ratio | 37.0988% | 316 |
| Memoranda: | ||
| Average total assets | $28,531,670 | 7,400 |
| Average earning assets | $26,761,330 | 7,345 |
| Average equity | $5,110,670 | 6,745 |
| Average total loans | $9,780,670 | 7,562 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8440% | 7,558 |
| Cost of funding earning assets | 0.7569% | 7,216 |
| Net interest margin | 3.0871% | 6,628 |
| Noninterest income to average assets | 0.2523% | 6,134 |
| Noninterest expense to average assets | 2.4528% | 5,898 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5046% | 4,373 |
| Return on assets (ROA) | 0.5046% | 4,513 |
| Pretax return on assets | 0.7148% | 4,185 |
| Return on Equity (ROE) | 2.8344% | 5,415 |
| Retained earnings to average equity (ytd only) | 2.6769% | 4,542 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4336% | 2,989 |
| Assets per employee ($millions) | 3.5889% | 4,849 |
| Cash dividends to net income (ytd only)* | 5.5556% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2313% | 5,326 |
| Loan loss allowance to noncurrent loans | 136.3636% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.3065% | 6,708 |
| Noncurrent loans to loans | 0.9029% | 5,509 |
| Net loans and leases to total assets | 33.5272% | 7,510 |
| Net loans and leases to deposits | 41.0176% | 7,484 |
| Net loans and leases to core deposits | 41.0176% | 7,551 |
| Total domestic deposits to total assets | 81.7387% | 5,179 |
| Equity capital to assets | 17.7214% | 447 |
| Core capital (leverage) ratio | 17.3039% | 426 |
| Tier 1 risk-based capital ratio | 36.5713% | 321 |
| Total risk-based capital ratio | 37.4584% | 318 |
| Memoranda: | ||
| Average total assets | $28,538,500 | 7,493 |
| Average earning assets | $26,951,000 | 7,429 |
| Average equity | $5,080,500 | 6,823 |
| Average total loans | $9,624,500 | 7,664 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3334% | 7,535 |
| Cost of funding earning assets | 0.9922% | 7,221 |
| Net interest margin | 3.3412% | 5,580 |
| Noninterest income to average assets | 0.2158% | 6,569 |
| Noninterest expense to average assets | 2.5607% | 5,921 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.5378% | 3,581 |
| Return on assets (ROA) | 0.5378% | 3,668 |
| Pretax return on assets | 0.7719% | 3,334 |
| Return on Equity (ROE) | 2.9269% | 4,534 |
| Retained earnings to average equity (ytd only) | 2.8074% | 3,203 |
| Net charge-offs to loans | 0.0662% | 6,448 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 35.1667% | 670 |
| Efficiency ratio | 76.8386% | 3,383 |
| Assets per employee ($millions) | 3.5458% | 4,906 |
| Cash dividends to net income (ytd only)* | 4.0816% | 3,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2628% | 4,977 |
| Loan loss allowance to noncurrent loans | 101.6949% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 0.4160% | 6,419 |
| Noncurrent loans to loans | 1.2417% | 4,876 |
| Net loans and leases to total assets | 33.0783% | 7,626 |
| Net loans and leases to deposits | 40.5418% | 7,610 |
| Net loans and leases to core deposits | 42.6985% | 7,724 |
| Total domestic deposits to total assets | 81.5906% | 5,113 |
| Equity capital to assets | 17.8841% | 456 |
| Core capital (leverage) ratio | 17.3183% | 455 |
| Tier 1 risk-based capital ratio | 37.4447% | 295 |
| Total risk-based capital ratio | 38.3595% | 292 |
| Memoranda: | ||
| Average total assets | $27,336,000 | 7,570 |
| Average earning assets | $25,499,600 | 7,525 |
| Average equity | $5,022,400 | 6,936 |
| Average total loans | $9,065,400 | 7,738 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4892% | 7,519 |
| Cost of funding earning assets | 1.0111% | 7,365 |
| Net interest margin | 3.4781% | 4,957 |
| Noninterest income to average assets | 0.2265% | 6,613 |
| Noninterest expense to average assets | 2.5111% | 6,036 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.6450% | 3,428 |
| Return on assets (ROA) | 0.6450% | 3,491 |
| Pretax return on assets | 0.9503% | 3,059 |
| Return on Equity (ROE) | 3.4864% | 4,582 |
| Retained earnings to average equity (ytd only) | 3.3800% | 3,412 |
| Net charge-offs to loans | 0.0893% | 5,791 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 32.1663% | 884 |
| Efficiency ratio | 72.5462% | 4,142 |
| Assets per employee ($millions) | 3.4915% | 4,952 |
| Cash dividends to net income (ytd only)* | 3.0516% | 3,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3870% | 4,016 |
| Loan loss allowance to noncurrent loans | 120.0000% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.3580% | 6,588 |
| Noncurrent loans to loans | 1.1558% | 5,009 |
| Net loans and leases to total assets | 30.5456% | 7,792 |
| Net loans and leases to deposits | 37.5561% | 7,791 |
| Net loans and leases to core deposits | 39.3579% | 7,859 |
| Total domestic deposits to total assets | 81.3332% | 4,947 |
| Equity capital to assets | 18.1118% | 506 |
| Core capital (leverage) ratio | 17.9154% | 460 |
| Tier 1 risk-based capital ratio | 39.9169% | 285 |
| Total risk-based capital ratio | 40.8950% | 284 |
| Memoranda: | ||
| Average total assets | $27,078,500 | 7,646 |
| Average earning assets | $25,185,500 | 7,602 |
| Average equity | $5,009,750 | 6,994 |
| Average total loans | $8,956,000 | 7,822 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6684% | 7,423 |
| Cost of funding earning assets | 1.0500% | 7,463 |
| Net interest margin | 3.6184% | 4,287 |
| Noninterest income to average assets | 0.2389% | 6,570 |
| Noninterest expense to average assets | 2.5528% | 5,935 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6942% | 3,283 |
| Return on assets (ROA) | 0.6942% | 3,391 |
| Pretax return on assets | 1.0301% | 2,882 |
| Return on Equity (ROE) | 3.7250% | 4,606 |
| Retained earnings to average equity (ytd only) | 3.6048% | 3,292 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2500% | 4,551 |
| Assets per employee ($millions) | 3.8391% | 4,000 |
| Cash dividends to net income (ytd only)* | 3.2258% | 3,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3846% | 3,815 |
| Loan loss allowance to noncurrent loans | 26.6949% | 6,720 |
| Noncurrent assets plus other real estate owned to assets | 1.7563% | 3,543 |
| Noncurrent loans to loans | 5.1868% | 1,156 |
| Net loans and leases to total assets | 33.3929% | 7,798 |
| Net loans and leases to deposits | 41.3263% | 7,778 |
| Net loans and leases to core deposits | 43.3946% | 7,882 |
| Total domestic deposits to total assets | 80.8030% | 5,146 |
| Equity capital to assets | 18.6016% | 495 |
| Core capital (leverage) ratio | 18.1212% | 499 |
| Tier 1 risk-based capital ratio | 39.2967% | 325 |
| Total risk-based capital ratio | 40.3153% | 321 |
| Memoranda: | ||
| Average total assets | $26,794,000 | 7,728 |
| Average earning assets | $24,762,000 | 7,688 |
| Average equity | $4,993,330 | 7,064 |
| Average total loans | $9,057,330 | 7,897 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7115% | 7,493 |
| Cost of funding earning assets | 1.0597% | 7,583 |
| Net interest margin | 3.6519% | 4,090 |
| Noninterest income to average assets | 0.2542% | 6,425 |
| Noninterest expense to average assets | 2.4370% | 6,066 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7775% | 3,224 |
| Return on assets (ROA) | 0.7775% | 3,395 |
| Pretax return on assets | 1.1662% | 2,743 |
| Return on Equity (ROE) | 4.1679% | 4,859 |
| Retained earnings to average equity (ytd only) | 4.0076% | 3,670 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6349% | 5,036 |
| Assets per employee ($millions) | 3.8566% | 3,967 |
| Cash dividends to net income (ytd only)* | 3.8462% | 2,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3774% | 3,630 |
| Loan loss allowance to noncurrent loans | 161.5385% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.2889% | 6,647 |
| Noncurrent loans to loans | 0.8526% | 5,320 |
| Net loans and leases to total assets | 33.4198% | 7,821 |
| Net loans and leases to deposits | 41.4176% | 7,796 |
| Net loans and leases to core deposits | 43.5383% | 7,912 |
| Total domestic deposits to total assets | 80.6897% | 5,096 |
| Equity capital to assets | 18.4953% | 544 |
| Core capital (leverage) ratio | 18.0356% | 550 |
| Tier 1 risk-based capital ratio | 38.4192% | 348 |
| Total risk-based capital ratio | 39.4232% | 349 |
| Memoranda: | ||
| Average total assets | $26,754,000 | 7,770 |
| Average earning assets | $24,535,500 | 7,739 |
| Average equity | $4,990,500 | 7,114 |
| Average total loans | $9,036,000 | 7,952 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0512% | 7,805 |
| Cost of funding earning assets | 1.3237% | 7,823 |
| Net interest margin | 3.7275% | 4,346 |
| Noninterest income to average assets | 0.2553% | 6,624 |
| Noninterest expense to average assets | 2.5376% | 5,865 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8278% | 3,322 |
| Return on assets (ROA) | 0.8278% | 3,158 |
| Pretax return on assets | 1.2688% | 2,409 |
| Return on Equity (ROE) | 4.4712% | 4,612 |
| Retained earnings to average equity (ytd only) | 4.3458% | 2,414 |
| Net charge-offs to loans | -0.0603% | 8,046 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 4,984 |
| Assets per employee ($millions) | 3.7874% | 3,987 |
| Cash dividends to net income (ytd only)* | 2.8037% | 4,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4119% | 3,128 |
| Loan loss allowance to noncurrent loans | 4,200.0000% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0113% | 7,578 |
| Noncurrent loans to loans | 0.0336% | 7,375 |
| Net loans and leases to total assets | 33.1850% | 7,912 |
| Net loans and leases to deposits | 41.2993% | 7,915 |
| Net loans and leases to core deposits | 43.2440% | 8,005 |
| Total domestic deposits to total assets | 80.3523% | 4,884 |
| Equity capital to assets | 18.8141% | 568 |
| Core capital (leverage) ratio | 17.7859% | 627 |
| Tier 1 risk-based capital ratio | 39.3402% | 353 |
| Total risk-based capital ratio | 40.3794% | 347 |
| Memoranda: | ||
| Average total assets | $25,851,400 | 7,811 |
| Average earning assets | $24,627,800 | 7,760 |
| Average equity | $4,786,200 | 7,210 |
| Average total loans | $8,292,800 | 8,019 |