Home > Union State Bank > Performance and Condition Ratios
Union State Bank, Performance and Condition Ratios
| 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 | 4.7409% | 3,471 |
| Cost of funding earning assets | 1.4827% | 3,389 |
| Net interest margin | 3.2582% | 2,543 |
| Noninterest income to average assets | 0.0800% | 4,299 |
| Noninterest expense to average assets | 2.0277% | 3,499 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.0318% | 1,956 |
| Return on assets (ROA) | 1.0318% | 1,959 |
| Pretax return on assets | 1.0855% | 2,289 |
| Return on Equity (ROE) | 9.7200% | 2,273 |
| Retained earnings to average equity (ytd only) | 7.6960% | 1,491 |
| Net charge-offs to loans | -0.0443% | 4,315 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 65.1323% | 2,577 |
| Assets per employee ($millions) | 4.8153% | 3,765 |
| Cash dividends to net income (ytd only)* | 20.8333% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7583% | 87 |
| 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 | 36.3700% | 4,133 |
| Net loans and leases to deposits | 41.2258% | 4,164 |
| Net loans and leases to core deposits | 41.2258% | 4,207 |
| Total domestic deposits to total assets | 88.2200% | 1,184 |
| Equity capital to assets | 11.3623% | 1,540 |
| Core capital (leverage) ratio | 13.0885% | 1,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.7160% | 207 |
| Memoranda: | ||
| Average total assets | $37,217,000 | 4,351 |
| Average earning assets | $34,620,000 | 4,325 |
| Average equity | $3,950,000 | 4,336 |
| Average total loans | $15,035,500 | 4,295 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7264% | 3,415 |
| Cost of funding earning assets | 1.4525% | 3,391 |
| Net interest margin | 3.2739% | 2,477 |
| Noninterest income to average assets | 0.0800% | 4,310 |
| Noninterest expense to average assets | 2.0771% | 3,388 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.9896% | 2,026 |
| Return on assets (ROA) | 0.9896% | 2,031 |
| Pretax return on assets | 1.0440% | 2,348 |
| Return on Equity (ROE) | 9.5600% | 2,304 |
| Retained earnings to average equity (ytd only) | 7.4586% | 1,521 |
| Net charge-offs to loans | -0.0660% | 4,373 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 66.5505% | 2,486 |
| Assets per employee ($millions) | 4.6471% | 3,844 |
| Cash dividends to net income (ytd only)* | 21.9780% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7632% | 85 |
| 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 | 37.6500% | 4,103 |
| Net loans and leases to deposits | 42.1414% | 4,154 |
| Net loans and leases to core deposits | 42.1414% | 4,199 |
| Total domestic deposits to total assets | 89.3300% | 905 |
| Equity capital to assets | 10.4635% | 1,822 |
| Core capital (leverage) ratio | 12.9077% | 1,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.0701% | 222 |
| Memoranda: | ||
| Average total assets | $36,782,000 | 4,374 |
| Average earning assets | $34,148,667 | 4,349 |
| Average equity | $3,807,667 | 4,357 |
| Average total loans | $15,143,667 | 4,314 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6250% | 3,478 |
| Cost of funding earning assets | 1.3969% | 3,400 |
| Net interest margin | 3.2281% | 2,503 |
| Noninterest income to average assets | 0.0800% | 4,292 |
| Noninterest expense to average assets | 2.1758% | 3,127 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.8638% | 2,349 |
| Return on assets (ROA) | 0.8638% | 2,361 |
| Pretax return on assets | 0.9075% | 2,643 |
| Return on Equity (ROE) | 8.3900% | 2,584 |
| Retained earnings to average equity (ytd only) | 6.2658% | 2,028 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 70.5674% | 2,092 |
| Assets per employee ($millions) | 4.6193% | 3,877 |
| Cash dividends to net income (ytd only)* | 25.3165% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7260% | 49 |
| 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 | 37.9100% | 4,088 |
| Net loans and leases to deposits | 42.3485% | 4,130 |
| Net loans and leases to core deposits | 42.3485% | 4,236 |
| Total domestic deposits to total assets | 89.5300% | 947 |
| Equity capital to assets | 10.1099% | 1,943 |
| Core capital (leverage) ratio | 13.0835% | 1,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.5015% | 240 |
| Memoranda: | ||
| Average total assets | $36,584,500 | 4,405 |
| Average earning assets | $34,075,500 | 4,374 |
| Average equity | $3,766,500 | 4,382 |
| Average total loans | $15,367,500 | 4,338 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3890% | 3,300 |
| Cost of funding earning assets | 1.0756% | 3,126 |
| Net interest margin | 3.3134% | 2,599 |
| Noninterest income to average assets | 0.0800% | 4,348 |
| Noninterest expense to average assets | 1.9757% | 3,689 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0209% | 2,150 |
| Return on assets (ROA) | 1.0209% | 2,129 |
| Pretax return on assets | 1.0651% | 2,504 |
| Return on Equity (ROE) | 10.1200% | 2,470 |
| Retained earnings to average equity (ytd only) | 5.1978% | 2,536 |
| Net charge-offs to loans | -0.0777% | 4,457 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 64.9728% | 2,484 |
| Assets per employee ($millions) | 4.5269% | 3,937 |
| Cash dividends to net income (ytd only)* | 48.6486% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3359% | 54 |
| 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 | 42.3400% | 3,957 |
| Net loans and leases to deposits | 47.4120% | 4,009 |
| Net loans and leases to core deposits | 47.4120% | 4,138 |
| Total domestic deposits to total assets | 89.3100% | 975 |
| Equity capital to assets | 10.4846% | 1,730 |
| Core capital (leverage) ratio | 12.7556% | 1,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.7715% | 276 |
| Memoranda: | ||
| Average total assets | $36,240,800 | 4,425 |
| Average earning assets | $32,353,600 | 4,398 |
| Average equity | $3,655,400 | 4,381 |
| Average total loans | $14,160,800 | 4,366 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3304% | 3,242 |
| Cost of funding earning assets | 1.0390% | 2,928 |
| Net interest margin | 3.2915% | 2,704 |
| Noninterest income to average assets | 0.0700% | 4,402 |
| Noninterest expense to average assets | 1.5780% | 4,258 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3389% | 1,448 |
| Return on assets (ROA) | 1.3389% | 1,432 |
| Pretax return on assets | 1.4088% | 1,757 |
| Return on Equity (ROE) | 13.4100% | 1,818 |
| Retained earnings to average equity (ytd only) | 11.1968% | 1,129 |
| Net charge-offs to loans | -0.0487% | 4,353 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 52.8325% | 3,691 |
| Assets per employee ($millions) | 4.4736% | 3,954 |
| Cash dividends to net income (ytd only)* | 16.4835% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1828% | 42 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 1.5983% | 223 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 35.2200% | 4,212 |
| Net loans and leases to deposits | 39.1764% | 4,227 |
| Net loans and leases to core deposits | 39.1764% | 4,274 |
| Total domestic deposits to total assets | 89.9000% | 970 |
| Equity capital to assets | 9.7544% | 1,955 |
| Core capital (leverage) ratio | 13.5095% | 939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.6212% | 224 |
| Memoranda: | ||
| Average total assets | $36,247,250 | 4,439 |
| Average earning assets | $32,082,250 | 4,424 |
| Average equity | $3,620,000 | 4,397 |
| Average total loans | $13,693,750 | 4,392 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2280% | 3,237 |
| Cost of funding earning assets | 1.0140% | 2,558 |
| Net interest margin | 3.2140% | 2,952 |
| Noninterest income to average assets | 0.0700% | 4,429 |
| Noninterest expense to average assets | 1.5220% | 4,313 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3516% | 1,449 |
| Return on assets (ROA) | 1.3516% | 1,435 |
| Pretax return on assets | 1.4231% | 1,753 |
| Return on Equity (ROE) | 13.4300% | 1,805 |
| Retained earnings to average equity (ytd only) | 11.2476% | 1,138 |
| Net charge-offs to loans | -0.0434% | 4,338 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 51.6791% | 3,798 |
| Assets per employee ($millions) | 4.4435% | 3,984 |
| Cash dividends to net income (ytd only)* | 16.2602% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1503% | 44 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 1.6091% | 214 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 35.5900% | 4,189 |
| Net loans and leases to deposits | 39.7262% | 4,221 |
| Net loans and leases to core deposits | 40.2315% | 4,253 |
| Total domestic deposits to total assets | 89.5900% | 1,058 |
| Equity capital to assets | 10.2537% | 1,712 |
| Core capital (leverage) ratio | 12.8713% | 1,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.7575% | 211 |
| Memoranda: | ||
| Average total assets | $36,400,000 | 4,461 |
| Average earning assets | $32,544,667 | 4,448 |
| Average equity | $3,663,000 | 4,423 |
| Average total loans | $13,827,000 | 4,415 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3179% | 2,756 |
| Cost of funding earning assets | 0.9880% | 2,085 |
| Net interest margin | 3.3299% | 2,796 |
| Noninterest income to average assets | 0.0800% | 4,443 |
| Noninterest expense to average assets | 1.5315% | 4,365 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4338% | 1,319 |
| Return on assets (ROA) | 1.4338% | 1,289 |
| Pretax return on assets | 1.5098% | 1,653 |
| Return on Equity (ROE) | 14.3800% | 1,695 |
| Retained earnings to average equity (ytd only) | 12.2004% | 1,230 |
| Net charge-offs to loans | -0.0284% | 4,202 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.3571% | 3,909 |
| Assets per employee ($millions) | 4.6336% | 3,939 |
| Cash dividends to net income (ytd only)* | 15.1515% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8626% | 43 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 1.5431% | 203 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 36.1500% | 4,186 |
| Net loans and leases to deposits | 40.4198% | 4,215 |
| Net loans and leases to core deposits | 40.9134% | 4,247 |
| Total domestic deposits to total assets | 89.4500% | 1,357 |
| Equity capital to assets | 10.2565% | 1,687 |
| Core capital (leverage) ratio | 12.3278% | 1,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.2432% | 258 |
| Memoranda: | ||
| Average total assets | $36,826,000 | 4,525 |
| Average earning assets | $32,794,000 | 4,511 |
| Average equity | $3,672,000 | 4,484 |
| Average total loans | $14,071,000 | 4,471 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4230% | 3,288 |
| Cost of funding earning assets | 0.3992% | 2,116 |
| Net interest margin | 3.0238% | 3,385 |
| Noninterest income to average assets | 0.0700% | 4,528 |
| Noninterest expense to average assets | 1.5498% | 4,370 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1750% | 1,876 |
| Return on assets (ROA) | 1.1750% | 1,813 |
| Pretax return on assets | 1.2175% | 2,381 |
| Return on Equity (ROE) | 11.6500% | 2,259 |
| Retained earnings to average equity (ytd only) | 9.5394% | 1,301 |
| Net charge-offs to loans | 0.5108% | 141 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 7.1563% | 2,312 |
| Efficiency ratio | 56.0038% | 3,586 |
| Assets per employee ($millions) | 4.5729% | 3,985 |
| Cash dividends to net income (ytd only)* | 18.0995% | 2,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8666% | 43 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 1.5636% | 194 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 36.5500% | 4,193 |
| Net loans and leases to deposits | 40.5366% | 4,228 |
| Net loans and leases to core deposits | 41.0342% | 4,250 |
| Total domestic deposits to total assets | 90.1600% | 1,286 |
| Equity capital to assets | 9.6821% | 1,897 |
| Core capital (leverage) ratio | 11.9964% | 1,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.1687% | 233 |
| Memoranda: | ||
| Average total assets | $37,618,400 | 4,551 |
| Average earning assets | $33,567,000 | 4,536 |
| Average equity | $3,794,800 | 4,548 |
| Average total loans | $12,529,000 | 4,519 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2745% | 3,250 |
| Cost of funding earning assets | 0.3687% | 1,538 |
| Net interest margin | 2.9058% | 3,487 |
| Noninterest income to average assets | 0.0700% | 4,554 |
| Noninterest expense to average assets | 1.4749% | 4,448 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1123% | 2,044 |
| Return on assets (ROA) | 1.1123% | 2,013 |
| Pretax return on assets | 1.1722% | 2,483 |
| Return on Equity (ROE) | 10.9200% | 2,405 |
| Retained earnings to average equity (ytd only) | 8.8472% | 1,705 |
| Net charge-offs to loans | 0.7134% | 78 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 5.1231% | 2,152 |
| Efficiency ratio | 55.7181% | 3,646 |
| Assets per employee ($millions) | 4.5818% | 3,992 |
| Cash dividends to net income (ytd only)* | 18.9873% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4193% | 34 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 1.5605% | 210 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 32.5200% | 4,354 |
| Net loans and leases to deposits | 35.8518% | 4,366 |
| Net loans and leases to core deposits | 36.2884% | 4,396 |
| Total domestic deposits to total assets | 90.7100% | 1,357 |
| Equity capital to assets | 9.1313% | 2,127 |
| Core capital (leverage) ratio | 11.4870% | 1,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.3004% | 216 |
| Memoranda: | ||
| Average total assets | $37,877,250 | 4,581 |
| Average earning assets | $33,632,500 | 4,574 |
| Average equity | $3,858,000 | 4,585 |
| Average total loans | $12,147,500 | 4,561 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0979% | 3,311 |
| Cost of funding earning assets | 0.3732% | 1,093 |
| Net interest margin | 2.7247% | 3,653 |
| Noninterest income to average assets | 0.0627% | 4,603 |
| Noninterest expense to average assets | 1.4575% | 4,462 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9560% | 2,334 |
| Return on assets (ROA) | 0.9560% | 2,310 |
| Pretax return on assets | 1.0082% | 2,702 |
| Return on Equity (ROE) | 9.0856% | 2,670 |
| Retained earnings to average equity (ytd only) | 7.0997% | 1,957 |
| Net charge-offs to loans | 1.0837% | 59 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 2.9692% | 2,013 |
| Efficiency ratio | 59.1102% | 3,426 |
| Assets per employee ($millions) | 4.7456% | 3,893 |
| Cash dividends to net income (ytd only)* | 21.8579% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8401% | 29 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5067% | 234 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 29.0057% | 4,491 |
| Net loans and leases to deposits | 32.0937% | 4,499 |
| Net loans and leases to core deposits | 32.7621% | 4,514 |
| Total domestic deposits to total assets | 90.3780% | 1,524 |
| Equity capital to assets | 9.5061% | 2,011 |
| Core capital (leverage) ratio | 11.1332% | 1,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.0365% | 179 |
| Memoranda: | ||
| Average total assets | $38,285,000 | 4,619 |
| Average earning assets | $33,765,333 | 4,625 |
| Average equity | $4,028,333 | 4,618 |
| Average total loans | $11,995,667 | 4,629 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9711% | 3,335 |
| Cost of funding earning assets | 0.3773% | 1,010 |
| Net interest margin | 2.5938% | 3,674 |
| Noninterest income to average assets | 0.0624% | 4,627 |
| Noninterest expense to average assets | 1.5191% | 4,400 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7907% | 2,693 |
| Return on assets (ROA) | 0.7907% | 2,689 |
| Pretax return on assets | 0.8324% | 3,005 |
| Return on Equity (ROE) | 7.1732% | 2,987 |
| Retained earnings to average equity (ytd only) | 5.2855% | 2,484 |
| Net charge-offs to loans | 2.2065% | 32 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 1.1940% | 1,745 |
| Efficiency ratio | 64.6018% | 2,956 |
| Assets per employee ($millions) | 4.7981% | 3,927 |
| Cash dividends to net income (ytd only)* | 26.3158% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7439% | 32 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4902% | 242 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 29.1129% | 4,473 |
| Net loans and leases to deposits | 32.5707% | 4,478 |
| Net loans and leases to core deposits | 33.2490% | 4,500 |
| Total domestic deposits to total assets | 89.3839% | 1,876 |
| Equity capital to assets | 10.4859% | 1,594 |
| Core capital (leverage) ratio | 11.0446% | 1,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.1812% | 174 |
| Memoranda: | ||
| Average total assets | $38,445,000 | 4,645 |
| Average earning assets | $33,926,500 | 4,652 |
| Average equity | $4,238,000 | 4,639 |
| Average total loans | $12,146,000 | 4,653 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8594% | 4,119 |
| Cost of funding earning assets | 0.4085% | 1,478 |
| Net interest margin | 2.4509% | 4,252 |
| Noninterest income to average assets | 0.0717% | 4,678 |
| Noninterest expense to average assets | 1.5436% | 4,493 |
| Loan and lease loss provision to assets | 0.0983% | 1,264 |
| Net operating income to assets | 0.5978% | 3,882 |
| Return on assets (ROA) | 0.5978% | 3,925 |
| Pretax return on assets | 0.6297% | 4,063 |
| Return on Equity (ROE) | 5.0619% | 3,985 |
| Retained earnings to average equity (ytd only) | 3.2621% | 3,516 |
| Net charge-offs to loans | 0.8015% | 82 |
| Credit loss provision to net charge-offs | 36.6337% | 2,211 |
| Earnings coverage of net charge-offs (x) | 2.7129% | 2,574 |
| Efficiency ratio | 67.9532% | 1,990 |
| Assets per employee ($millions) | 4.8131% | 3,870 |
| Cash dividends to net income (ytd only)* | 35.5556% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0148% | 25 |
| Loan loss allowance to noncurrent loans | 1,168.7500% | 784 |
| Noncurrent assets plus other real estate owned to assets | 1.6517% | 239 |
| Noncurrent loans to loans | 0.5146% | 1,836 |
| Net loans and leases to total assets | 30.3545% | 4,496 |
| Net loans and leases to deposits | 34.3694% | 4,520 |
| Net loans and leases to core deposits | 35.0886% | 4,534 |
| Total domestic deposits to total assets | 88.3184% | 1,864 |
| Equity capital to assets | 11.5595% | 1,475 |
| Core capital (leverage) ratio | 10.9367% | 1,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.5040% | 193 |
| Memoranda: | ||
| Average total assets | $37,639,400 | 4,686 |
| Average earning assets | $33,783,800 | 4,683 |
| Average equity | $4,445,000 | 4,678 |
| Average total loans | $12,601,200 | 4,686 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9201% | 4,134 |
| Cost of funding earning assets | 0.4172% | 1,570 |
| Net interest margin | 2.5029% | 4,271 |
| Noninterest income to average assets | 0.0748% | 4,743 |
| Noninterest expense to average assets | 1.4643% | 4,629 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8016% | 3,519 |
| Return on assets (ROA) | 0.8016% | 3,593 |
| Pretax return on assets | 0.8551% | 3,783 |
| Return on Equity (ROE) | 6.7513% | 3,728 |
| Retained earnings to average equity (ytd only) | 4.9509% | 3,237 |
| Net charge-offs to loans | 0.2847% | 284 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 8.8889% | 2,091 |
| Efficiency ratio | 63.1336% | 2,517 |
| Assets per employee ($millions) | 4.7183% | 3,950 |
| Cash dividends to net income (ytd only)* | 26.6667% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7307% | 22 |
| Loan loss allowance to noncurrent loans | 237.1601% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 2.3923% | 130 |
| Noncurrent loans to loans | 2.8380% | 240 |
| Net loans and leases to total assets | 28.8189% | 4,621 |
| Net loans and leases to deposits | 32.8492% | 4,657 |
| Net loans and leases to core deposits | 33.5554% | 4,667 |
| Total domestic deposits to total assets | 87.7312% | 1,988 |
| Equity capital to assets | 12.0887% | 1,361 |
| Core capital (leverage) ratio | 11.1834% | 1,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.5318% | 174 |
| Memoranda: | ||
| Average total assets | $37,423,000 | 4,756 |
| Average earning assets | $33,559,750 | 4,753 |
| Average equity | $4,443,500 | 4,745 |
| Average total loans | $12,642,500 | 4,760 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7907% | 4,353 |
| Cost of funding earning assets | 0.4192% | 1,742 |
| Net interest margin | 2.3715% | 4,446 |
| Noninterest income to average assets | 0.0804% | 4,758 |
| Noninterest expense to average assets | 1.4686% | 4,654 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6646% | 3,845 |
| Return on assets (ROA) | 0.6646% | 3,908 |
| Pretax return on assets | 0.7343% | 3,998 |
| Return on Equity (ROE) | 5.6317% | 3,990 |
| Retained earnings to average equity (ytd only) | 3.8150% | 3,581 |
| Net charge-offs to loans | -0.0617% | 4,451 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 2,053 |
| Assets per employee ($millions) | 4.6466% | 3,974 |
| Cash dividends to net income (ytd only)* | 32.2581% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9364% | 22 |
| Loan loss allowance to noncurrent loans | 52.2073% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 5.7434% | 22 |
| Noncurrent loans to loans | 13.2863% | 12 |
| Net loans and leases to total assets | 29.4515% | 4,665 |
| Net loans and leases to deposits | 33.5119% | 4,692 |
| Net loans and leases to core deposits | 34.2392% | 4,705 |
| Total domestic deposits to total assets | 87.8837% | 1,897 |
| Equity capital to assets | 11.9468% | 1,388 |
| Core capital (leverage) ratio | 10.9524% | 1,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.1033% | 189 |
| Memoranda: | ||
| Average total assets | $37,315,333 | 4,788 |
| Average earning assets | $33,396,333 | 4,786 |
| Average equity | $4,403,667 | 4,780 |
| Average total loans | $12,969,000 | 4,788 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8965% | 4,257 |
| Cost of funding earning assets | 0.4345% | 1,834 |
| Net interest margin | 2.4620% | 4,354 |
| Noninterest income to average assets | 0.0856% | 4,743 |
| Noninterest expense to average assets | 1.4872% | 4,665 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6740% | 3,774 |
| Return on assets (ROA) | 0.6740% | 3,841 |
| Pretax return on assets | 0.7810% | 3,849 |
| Return on Equity (ROE) | 5.7469% | 3,934 |
| Retained earnings to average equity (ytd only) | 3.9225% | 3,526 |
| Net charge-offs to loans | -0.0884% | 4,599 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5660% | 2,294 |
| Assets per employee ($millions) | 4.6753% | 3,953 |
| Cash dividends to net income (ytd only)* | 31.7460% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4560% | 24 |
| Loan loss allowance to noncurrent loans | 50.6841% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 5.8286% | 25 |
| Noncurrent loans to loans | 12.7376% | 15 |
| Net loans and leases to total assets | 31.5732% | 4,643 |
| Net loans and leases to deposits | 35.8315% | 4,682 |
| Net loans and leases to core deposits | 36.6023% | 4,702 |
| Total domestic deposits to total assets | 88.1156% | 1,781 |
| Equity capital to assets | 11.7373% | 1,421 |
| Core capital (leverage) ratio | 11.2081% | 1,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.5625% | 223 |
| Memoranda: | ||
| Average total assets | $37,386,500 | 4,808 |
| Average earning assets | $33,143,500 | 4,808 |
| Average equity | $4,385,000 | 4,801 |
| Average total loans | $13,571,500 | 4,807 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5977% | 3,820 |
| Cost of funding earning assets | 0.7176% | 1,633 |
| Net interest margin | 2.8801% | 4,144 |
| Noninterest income to average assets | 0.0912% | 4,766 |
| Noninterest expense to average assets | 1.7977% | 4,473 |
| Loan and lease loss provision to assets | 0.9621% | 105 |
| Net operating income to assets | -0.0235% | 4,744 |
| Return on assets (ROA) | -0.0235% | 4,779 |
| Pretax return on assets | -0.0235% | 4,772 |
| Return on Equity (ROE) | -0.1804% | 4,779 |
| Retained earnings to average equity (ytd only) | -1.9848% | 4,704 |
| Net charge-offs to loans | 0.9383% | 145 |
| Credit loss provision to net charge-offs | 228.6713% | 2,029 |
| Earnings coverage of net charge-offs (x) | 2.2308% | 3,183 |
| Efficiency ratio | 65.6989% | 2,576 |
| Assets per employee ($millions) | 4.6714% | 3,742 |
| Cash dividends to net income (ytd only)* | -1,000.0000% | 4,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5927% | 32 |
| Loan loss allowance to noncurrent loans | 46.1102% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 6.2428% | 27 |
| Noncurrent loans to loans | 12.1289% | 14 |
| Net loans and leases to total assets | 36.6782% | 4,570 |
| Net loans and leases to deposits | 41.6057% | 4,608 |
| Net loans and leases to core deposits | 42.4984% | 4,642 |
| Total domestic deposits to total assets | 88.1566% | 1,401 |
| Equity capital to assets | 11.7203% | 1,720 |
| Core capital (leverage) ratio | 11.3613% | 1,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.6161% | 300 |
| Memoranda: | ||
| Average total assets | $33,988,400 | 4,839 |
| Average earning assets | $31,214,600 | 4,829 |
| Average equity | $4,433,600 | 4,807 |
| Average total loans | $15,240,600 | 4,802 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4369% | 4,301 |
| Cost of funding earning assets | 0.7878% | 1,554 |
| Net interest margin | 2.6491% | 4,528 |
| Noninterest income to average assets | 0.0925% | 4,782 |
| Noninterest expense to average assets | 1.7741% | 4,536 |
| Loan and lease loss provision to assets | 0.9927% | 143 |
| Net operating income to assets | -0.2132% | 4,841 |
| Return on assets (ROA) | -0.2132% | 4,850 |
| Pretax return on assets | -0.2132% | 4,840 |
| Return on Equity (ROE) | -1.5890% | 4,855 |
| Retained earnings to average equity (ytd only) | -3.3880% | 4,791 |
| Net charge-offs to loans | 0.1038% | 1,279 |
| Credit loss provision to net charge-offs | 2,058.3333% | 467 |
| Earnings coverage of net charge-offs (x) | 16.1667% | 2,065 |
| Efficiency ratio | 69.4488% | 1,970 |
| Assets per employee ($millions) | 4.2759% | 4,066 |
| Cash dividends to net income (ytd only)* | -113.2075% | 5,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8548% | 30 |
| Loan loss allowance to noncurrent loans | 30.2171% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 10.0213% | 10 |
| Noncurrent loans to loans | 19.3758% | 8 |
| Net loans and leases to total assets | 40.5677% | 4,547 |
| Net loans and leases to deposits | 46.6093% | 4,588 |
| Net loans and leases to core deposits | 47.7184% | 4,634 |
| Total domestic deposits to total assets | 87.0377% | 1,655 |
| Equity capital to assets | 12.7810% | 1,290 |
| Core capital (leverage) ratio | 11.9364% | 1,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.8698% | 310 |
| Memoranda: | ||
| Average total assets | $33,142,750 | 4,876 |
| Average earning assets | $30,802,500 | 4,863 |
| Average equity | $4,447,000 | 4,832 |
| Average total loans | $15,421,000 | 4,829 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5307% | 4,374 |
| Cost of funding earning assets | 0.8893% | 1,424 |
| Net interest margin | 2.6415% | 4,615 |
| Noninterest income to average assets | 0.1098% | 4,743 |
| Noninterest expense to average assets | 1.8116% | 4,545 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7137% | 3,345 |
| Return on assets (ROA) | 0.7137% | 3,457 |
| Pretax return on assets | 0.7442% | 3,757 |
| Return on Equity (ROE) | 5.2326% | 3,764 |
| Retained earnings to average equity (ytd only) | 3.4436% | 3,202 |
| Net charge-offs to loans | 0.0639% | 1,606 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 24.4000% | 1,580 |
| Efficiency ratio | 70.8831% | 1,833 |
| Assets per employee ($millions) | 4.2391% | 4,066 |
| Cash dividends to net income (ytd only)* | 34.1880% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9013% | 68 |
| Loan loss allowance to noncurrent loans | 23.1599% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 9.6187% | 15 |
| Noncurrent loans to loans | 16.8451% | 13 |
| Net loans and leases to total assets | 45.2511% | 4,392 |
| Net loans and leases to deposits | 52.4023% | 4,430 |
| Net loans and leases to core deposits | 53.6648% | 4,506 |
| Total domestic deposits to total assets | 86.3533% | 1,866 |
| Equity capital to assets | 13.4668% | 992 |
| Core capital (leverage) ratio | 12.8216% | 1,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6144% | 347 |
| Memoranda: | ||
| Average total assets | $32,788,000 | 4,904 |
| Average earning assets | $30,362,000 | 4,894 |
| Average equity | $4,472,000 | 4,856 |
| Average total loans | $15,648,000 | 4,854 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6942% | 4,405 |
| Cost of funding earning assets | 0.9503% | 1,645 |
| Net interest margin | 2.7439% | 4,624 |
| Noninterest income to average assets | 0.1365% | 4,682 |
| Noninterest expense to average assets | 1.9736% | 4,451 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6703% | 3,367 |
| Return on assets (ROA) | 0.6703% | 3,436 |
| Pretax return on assets | 0.7075% | 3,661 |
| Return on Equity (ROE) | 4.8819% | 3,675 |
| Retained earnings to average equity (ytd only) | 3.0738% | 3,050 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6111% | 1,872 |
| Assets per employee ($millions) | 4.0555% | 3,844 |
| Cash dividends to net income (ytd only)* | 37.0370% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0830% | 68 |
| Loan loss allowance to noncurrent loans | 22.6961% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 10.2916% | 20 |
| Noncurrent loans to loans | 17.9897% | 10 |
| Net loans and leases to total assets | 45.4722% | 4,447 |
| Net loans and leases to deposits | 52.9864% | 4,489 |
| Net loans and leases to core deposits | 54.3309% | 4,558 |
| Total domestic deposits to total assets | 85.8186% | 2,077 |
| Equity capital to assets | 13.9132% | 1,090 |
| Core capital (leverage) ratio | 12.9557% | 1,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.6377% | 344 |
| Memoranda: | ||
| Average total assets | $32,225,500 | 4,950 |
| Average earning assets | $29,884,500 | 4,937 |
| Average equity | $4,424,500 | 4,899 |
| Average total loans | $15,487,500 | 4,892 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0613% | 4,126 |
| Cost of funding earning assets | 0.9891% | 1,772 |
| Net interest margin | 3.0721% | 4,414 |
| Noninterest income to average assets | 0.1345% | 4,802 |
| Noninterest expense to average assets | 2.1018% | 4,367 |
| Loan and lease loss provision to assets | 2.2832% | 35 |
| Net operating income to assets | -1.4043% | 5,114 |
| Return on assets (ROA) | -1.4043% | 5,116 |
| Pretax return on assets | -1.4043% | 5,116 |
| Return on Equity (ROE) | -9.6597% | 5,121 |
| Retained earnings to average equity (ytd only) | -14.2636% | 5,110 |
| Net charge-offs to loans | 1.9788% | 60 |
| Credit loss provision to net charge-offs | 235.4839% | 1,140 |
| Earnings coverage of net charge-offs (x) | 0.9065% | 3,585 |
| Efficiency ratio | 70.5142% | 2,097 |
| Assets per employee ($millions) | 4.0009% | 3,896 |
| Cash dividends to net income (ytd only)* | -47.6615% | 5,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0272% | 62 |
| Loan loss allowance to noncurrent loans | 22.3170% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 10.5789% | 15 |
| Noncurrent loans to loans | 18.0454% | 6 |
| Net loans and leases to total assets | 46.7585% | 4,491 |
| Net loans and leases to deposits | 54.1873% | 4,525 |
| Net loans and leases to core deposits | 55.5675% | 4,603 |
| Total domestic deposits to total assets | 86.2905% | 1,938 |
| Equity capital to assets | 13.5439% | 1,258 |
| Core capital (leverage) ratio | 13.1346% | 1,185 |
| Tier 1 risk-based capital ratio | 25.7317% | 697 |
| Total risk-based capital ratio | 27.0122% | 679 |
| Memoranda: | ||
| Average total assets | $31,972,800 | 5,003 |
| Average earning assets | $29,621,400 | 4,990 |
| Average equity | $4,648,200 | 4,927 |
| Average total loans | $15,666,200 | 4,953 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4115% | 5,019 |
| Cost of funding earning assets | 0.9554% | 1,969 |
| Net interest margin | 2.4561% | 5,088 |
| Noninterest income to average assets | 0.1335% | 4,864 |
| Noninterest expense to average assets | 2.0022% | 4,547 |
| Loan and lease loss provision to assets | 2.6696% | 30 |
| Net operating income to assets | -2.2650% | 5,213 |
| Return on assets (ROA) | -2.2650% | 5,214 |
| Pretax return on assets | -2.2650% | 5,213 |
| Return on Equity (ROE) | -15.3175% | 5,220 |
| Retained earnings to average equity (ytd only) | -20.7900% | 5,211 |
| Net charge-offs to loans | 1.8957% | 61 |
| Credit loss provision to net charge-offs | 286.9955% | 979 |
| Earnings coverage of net charge-offs (x) | 0.4350% | 3,360 |
| Efficiency ratio | 83.1889% | 675 |
| Assets per employee ($millions) | 3.8634% | 4,081 |
| Cash dividends to net income (ytd only)* | -35.7275% | 5,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1108% | 60 |
| Loan loss allowance to noncurrent loans | 19.8918% | 4,617 |
| Noncurrent assets plus other real estate owned to assets | 12.0167% | 12 |
| Noncurrent loans to loans | 20.6656% | 4 |
| Net loans and leases to total assets | 47.1705% | 4,541 |
| Net loans and leases to deposits | 54.9074% | 4,598 |
| Net loans and leases to core deposits | 56.3636% | 4,674 |
| Total domestic deposits to total assets | 85.9093% | 2,033 |
| Equity capital to assets | 13.8124% | 1,223 |
| Core capital (leverage) ratio | 13.2328% | 1,242 |
| Tier 1 risk-based capital ratio | 26.0240% | 706 |
| Total risk-based capital ratio | 27.3098% | 690 |
| Memoranda: | ||
| Average total assets | $31,964,250 | 5,079 |
| Average earning assets | $29,585,500 | 5,066 |
| Average equity | $4,726,500 | 4,983 |
| Average total loans | $15,684,250 | 5,030 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5801% | 4,949 |
| Cost of funding earning assets | 0.8783% | 2,259 |
| Net interest margin | 2.7018% | 4,999 |
| Noninterest income to average assets | 0.1300% | 4,929 |
| Noninterest expense to average assets | 1.9866% | 4,622 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6127% | 4,278 |
| Return on assets (ROA) | 0.6127% | 4,311 |
| Pretax return on assets | 0.6374% | 4,476 |
| Return on Equity (ROE) | 4.0582% | 4,569 |
| Retained earnings to average equity (ytd only) | -3.0744% | 4,973 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7075% | 1,435 |
| Assets per employee ($millions) | 3.9720% | 3,903 |
| Cash dividends to net income (ytd only)* | 175.7576% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3349% | 1,873 |
| Loan loss allowance to noncurrent loans | 12.1142% | 4,708 |
| Noncurrent assets plus other real estate owned to assets | 7.2035% | 36 |
| Noncurrent loans to loans | 11.0191% | 23 |
| Net loans and leases to total assets | 48.3824% | 4,554 |
| Net loans and leases to deposits | 57.3807% | 4,545 |
| Net loans and leases to core deposits | 58.8817% | 4,612 |
| Total domestic deposits to total assets | 84.3184% | 2,753 |
| Equity capital to assets | 15.5086% | 708 |
| Core capital (leverage) ratio | 15.1777% | 675 |
| Tier 1 risk-based capital ratio | 28.0612% | 564 |
| Total risk-based capital ratio | 29.2751% | 551 |
| Memoranda: | ||
| Average total assets | $32,316,670 | 5,121 |
| Average earning assets | $29,831,670 | 5,105 |
| Average equity | $4,879,000 | 5,000 |
| Average total loans | $15,844,330 | 5,072 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1589% | 3,975 |
| Cost of funding earning assets | 0.8131% | 2,460 |
| Net interest margin | 3.3458% | 4,041 |
| Noninterest income to average assets | 0.1350% | 4,923 |
| Noninterest expense to average assets | 1.9640% | 4,708 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2029% | 2,041 |
| Return on assets (ROA) | 1.2029% | 2,093 |
| Pretax return on assets | 1.2520% | 2,617 |
| Return on Equity (ROE) | 8.0750% | 3,231 |
| Retained earnings to average equity (ytd only) | -4.6143% | 4,904 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0687% | 3,669 |
| Assets per employee ($millions) | 4.0870% | 3,799 |
| Cash dividends to net income (ytd only)* | 157.1429% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3431% | 1,903 |
| Loan loss allowance to noncurrent loans | 37.2093% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 3.4591% | 157 |
| Noncurrent loans to loans | 3.6095% | 244 |
| Net loans and leases to total assets | 46.7305% | 4,637 |
| Net loans and leases to deposits | 55.0139% | 4,641 |
| Net loans and leases to core deposits | 56.4009% | 4,695 |
| Total domestic deposits to total assets | 84.9431% | 2,698 |
| Equity capital to assets | 14.8489% | 783 |
| Core capital (leverage) ratio | 14.8885% | 723 |
| Tier 1 risk-based capital ratio | 28.1918% | 548 |
| Total risk-based capital ratio | 29.4066% | 538 |
| Memoranda: | ||
| Average total assets | $32,587,000 | 5,170 |
| Average earning assets | $30,008,000 | 5,155 |
| Average equity | $4,854,500 | 5,049 |
| Average total loans | $15,975,500 | 5,127 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9524% | 4,162 |
| Cost of funding earning assets | 0.6429% | 2,440 |
| Net interest margin | 3.3095% | 4,228 |
| Noninterest income to average assets | 0.1420% | 5,001 |
| Noninterest expense to average assets | 1.8875% | 4,911 |
| Loan and lease loss provision to assets | 0.2958% | 545 |
| Net operating income to assets | 1.0088% | 2,965 |
| Return on assets (ROA) | 1.0088% | 2,952 |
| Pretax return on assets | 1.0503% | 3,443 |
| Return on Equity (ROE) | 7.1354% | 3,779 |
| Retained earnings to average equity (ytd only) | 3.7037% | 3,540 |
| Net charge-offs to loans | 0.6750% | 246 |
| Credit loss provision to net charge-offs | 98.0392% | 2,596 |
| Earnings coverage of net charge-offs (x) | 4.4608% | 3,295 |
| Efficiency ratio | 58.3715% | 4,104 |
| Assets per employee ($millions) | 4.0598% | 3,808 |
| Cash dividends to net income (ytd only)* | 48.0938% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2634% | 2,232 |
| Loan loss allowance to noncurrent loans | 37.1429% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 3.4854% | 151 |
| Noncurrent loans to loans | 3.4014% | 270 |
| Net loans and leases to total assets | 50.0523% | 4,515 |
| Net loans and leases to deposits | 58.9199% | 4,529 |
| Net loans and leases to core deposits | 60.4088% | 4,611 |
| Total domestic deposits to total assets | 84.9498% | 2,660 |
| Equity capital to assets | 14.9455% | 723 |
| Core capital (leverage) ratio | 14.9747% | 701 |
| Tier 1 risk-based capital ratio | 26.9982% | 614 |
| Total risk-based capital ratio | 28.1487% | 613 |
| Memoranda: | ||
| Average total assets | $33,801,000 | 5,193 |
| Average earning assets | $31,575,800 | 5,173 |
| Average equity | $4,779,000 | 5,081 |
| Average total loans | $15,111,800 | 5,194 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8709% | 4,281 |
| Cost of funding earning assets | 0.6257% | 2,297 |
| Net interest margin | 3.2452% | 4,413 |
| Noninterest income to average assets | 0.1406% | 5,070 |
| Noninterest expense to average assets | 1.8008% | 5,037 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3477% | 1,671 |
| Return on assets (ROA) | 1.3477% | 1,686 |
| Pretax return on assets | 1.3790% | 2,302 |
| Return on Equity (ROE) | 9.6631% | 2,771 |
| Retained earnings to average equity (ytd only) | 5.6579% | 2,849 |
| Net charge-offs to loans | 0.0181% | 2,791 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 176.2734% | 482 |
| Efficiency ratio | 56.6339% | 4,293 |
| Assets per employee ($millions) | 4.0746% | 3,776 |
| Cash dividends to net income (ytd only)* | 41.4487% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4086% | 1,662 |
| Loan loss allowance to noncurrent loans | 37.1429% | 4,625 |
| Noncurrent assets plus other real estate owned to assets | 3.4727% | 166 |
| Noncurrent loans to loans | 3.7925% | 236 |
| Net loans and leases to total assets | 44.6606% | 4,857 |
| Net loans and leases to deposits | 52.5465% | 4,870 |
| Net loans and leases to core deposits | 53.8686% | 4,916 |
| Total domestic deposits to total assets | 84.9925% | 2,607 |
| Equity capital to assets | 14.8419% | 755 |
| Core capital (leverage) ratio | 14.6803% | 782 |
| Tier 1 risk-based capital ratio | 30.0631% | 474 |
| Total risk-based capital ratio | 31.3132% | 465 |
| Memoranda: | ||
| Average total assets | $34,131,750 | 5,256 |
| Average earning assets | $31,964,500 | 5,234 |
| Average equity | $4,760,250 | 5,145 |
| Average total loans | $14,773,750 | 5,262 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8234% | 4,294 |
| Cost of funding earning assets | 0.6218% | 2,092 |
| Net interest margin | 3.2016% | 4,502 |
| Noninterest income to average assets | 0.1501% | 5,074 |
| Noninterest expense to average assets | 1.8416% | 5,044 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2528% | 1,968 |
| Return on assets (ROA) | 1.2528% | 1,968 |
| Pretax return on assets | 1.3105% | 2,466 |
| Return on Equity (ROE) | 9.1671% | 2,944 |
| Retained earnings to average equity (ytd only) | 3.9288% | 3,642 |
| Net charge-offs to loans | 0.0271% | 2,311 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 113.5000% | 633 |
| Efficiency ratio | 58.4249% | 4,167 |
| Assets per employee ($millions) | 4.2921% | 3,435 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4217% | 1,676 |
| Loan loss allowance to noncurrent loans | 42.1053% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 3.1045% | 227 |
| Noncurrent loans to loans | 3.3766% | 304 |
| Net loans and leases to total assets | 42.0013% | 4,984 |
| Net loans and leases to deposits | 48.8137% | 5,006 |
| Net loans and leases to core deposits | 49.9584% | 5,046 |
| Total domestic deposits to total assets | 86.0442% | 2,255 |
| Equity capital to assets | 13.8509% | 968 |
| Core capital (leverage) ratio | 13.9152% | 927 |
| Tier 1 risk-based capital ratio | 29.6148% | 490 |
| Total risk-based capital ratio | 30.8680% | 484 |
| Memoranda: | ||
| Average total assets | $34,643,330 | 5,314 |
| Average earning assets | $32,484,000 | 5,285 |
| Average equity | $4,734,330 | 5,208 |
| Average total loans | $14,776,330 | 5,325 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8971% | 3,934 |
| Cost of funding earning assets | 0.6250% | 1,879 |
| Net interest margin | 3.2721% | 4,257 |
| Noninterest income to average assets | 0.1379% | 5,179 |
| Noninterest expense to average assets | 1.8508% | 5,102 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3220% | 1,574 |
| Return on assets (ROA) | 1.3220% | 1,579 |
| Pretax return on assets | 1.3565% | 2,165 |
| Return on Equity (ROE) | 9.7385% | 2,571 |
| Retained earnings to average equity (ytd only) | 0.9315% | 4,645 |
| Net charge-offs to loans | 0.0539% | 1,568 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 59.0000% | 852 |
| Efficiency ratio | 57.7061% | 4,387 |
| Assets per employee ($millions) | 4.3916% | 3,333 |
| Cash dividends to net income (ytd only)* | 90.4348% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4216% | 1,755 |
| Loan loss allowance to noncurrent loans | 42.3625% | 4,592 |
| Noncurrent assets plus other real estate owned to assets | 3.0256% | 265 |
| Noncurrent loans to loans | 3.3559% | 321 |
| Net loans and leases to total assets | 41.0526% | 5,025 |
| Net loans and leases to deposits | 47.4675% | 5,057 |
| Net loans and leases to core deposits | 48.5492% | 5,085 |
| Total domestic deposits to total assets | 86.4856% | 2,325 |
| Equity capital to assets | 13.3692% | 1,083 |
| Core capital (leverage) ratio | 13.4103% | 1,038 |
| Tier 1 risk-based capital ratio | 29.1401% | 509 |
| Total risk-based capital ratio | 30.3888% | 506 |
| Memoranda: | ||
| Average total assets | $34,796,500 | 5,368 |
| Average earning assets | $32,640,000 | 5,341 |
| Average equity | $4,723,500 | 5,261 |
| Average total loans | $14,849,500 | 5,381 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0706% | 3,165 |
| Cost of funding earning assets | 0.6839% | 1,117 |
| Net interest margin | 3.3867% | 3,893 |
| Noninterest income to average assets | 0.1607% | 5,155 |
| Noninterest expense to average assets | 2.0406% | 4,891 |
| Loan and lease loss provision to assets | 0.2603% | 706 |
| Net operating income to assets | 0.7970% | 3,171 |
| Return on assets (ROA) | 0.7970% | 3,213 |
| Pretax return on assets | 0.8355% | 4,138 |
| Return on Equity (ROE) | 5.2105% | 4,082 |
| Retained earnings to average equity (ytd only) | 0.3152% | 4,897 |
| Net charge-offs to loans | 0.5480% | 424 |
| Credit loss provision to net charge-offs | 102.5316% | 2,498 |
| Earnings coverage of net charge-offs (x) | 4.3165% | 3,478 |
| Efficiency ratio | 65.0615% | 3,431 |
| Assets per employee ($millions) | 4.3075% | 3,473 |
| Cash dividends to net income (ytd only)* | 93.9516% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3937% | 1,798 |
| Loan loss allowance to noncurrent loans | 42.7699% | 4,633 |
| Noncurrent assets plus other real estate owned to assets | 3.0847% | 253 |
| Noncurrent loans to loans | 3.2586% | 321 |
| Net loans and leases to total assets | 43.1167% | 5,023 |
| Net loans and leases to deposits | 50.0573% | 5,057 |
| Net loans and leases to core deposits | 51.2221% | 5,091 |
| Total domestic deposits to total assets | 86.1346% | 2,378 |
| Equity capital to assets | 13.7841% | 966 |
| Core capital (leverage) ratio | 15.4381% | 549 |
| Tier 1 risk-based capital ratio | 28.8890% | 502 |
| Total risk-based capital ratio | 30.1419% | 495 |
| Memoranda: | ||
| Average total assets | $31,118,000 | 5,477 |
| Average earning assets | $27,342,400 | 5,482 |
| Average equity | $4,759,600 | 5,312 |
| Average total loans | $14,417,000 | 5,454 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0823% | 3,043 |
| Cost of funding earning assets | 0.7162% | 898 |
| Net interest margin | 3.3661% | 3,967 |
| Noninterest income to average assets | 0.1717% | 5,159 |
| Noninterest expense to average assets | 2.0385% | 4,878 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9774% | 2,656 |
| Return on assets (ROA) | 0.9774% | 2,713 |
| Pretax return on assets | 1.0303% | 3,567 |
| Return on Equity (ROE) | 6.2157% | 4,026 |
| Retained earnings to average equity (ytd only) | 0.2520% | 5,163 |
| Net charge-offs to loans | -0.0187% | 4,828 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4275% | 3,139 |
| Assets per employee ($millions) | 3.7920% | 4,317 |
| Cash dividends to net income (ytd only)* | 95.9458% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4433% | 1,724 |
| Loan loss allowance to noncurrent loans | 38.0435% | 4,797 |
| Noncurrent assets plus other real estate owned to assets | 3.7052% | 188 |
| Noncurrent loans to loans | 3.7938% | 272 |
| Net loans and leases to total assets | 47.2706% | 4,869 |
| Net loans and leases to deposits | 56.3015% | 4,859 |
| Net loans and leases to core deposits | 57.8342% | 4,922 |
| Total domestic deposits to total assets | 83.9597% | 3,139 |
| Equity capital to assets | 15.8261% | 573 |
| Core capital (leverage) ratio | 15.6018% | 561 |
| Tier 1 risk-based capital ratio | 29.5769% | 492 |
| Total risk-based capital ratio | 30.8298% | 488 |
| Memoranda: | ||
| Average total assets | $30,282,500 | 5,544 |
| Average earning assets | $26,063,250 | 5,559 |
| Average equity | $4,762,000 | 5,372 |
| Average total loans | $14,254,250 | 5,519 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1299% | 2,735 |
| Cost of funding earning assets | 0.7200% | 797 |
| Net interest margin | 3.4099% | 3,737 |
| Noninterest income to average assets | 0.1652% | 5,229 |
| Noninterest expense to average assets | 1.9957% | 4,987 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9648% | 2,585 |
| Return on assets (ROA) | 0.9648% | 2,640 |
| Pretax return on assets | 1.0177% | 3,496 |
| Return on Equity (ROE) | 6.1487% | 3,983 |
| Retained earnings to average equity (ytd only) | -1.9794% | 5,346 |
| Net charge-offs to loans | -0.0141% | 4,646 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2281% | 3,314 |
| Assets per employee ($millions) | 3.8276% | 4,236 |
| Cash dividends to net income (ytd only)* | 132.1918% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5352% | 1,451 |
| Loan loss allowance to noncurrent loans | 38.4899% | 4,817 |
| Noncurrent assets plus other real estate owned to assets | 3.6413% | 205 |
| Noncurrent loans to loans | 3.9885% | 244 |
| Net loans and leases to total assets | 43.7771% | 5,051 |
| Net loans and leases to deposits | 51.9433% | 5,062 |
| Net loans and leases to core deposits | 53.3320% | 5,110 |
| Total domestic deposits to total assets | 84.2788% | 3,097 |
| Equity capital to assets | 15.5939% | 593 |
| Core capital (leverage) ratio | 15.4173% | 559 |
| Tier 1 risk-based capital ratio | 31.0045% | 432 |
| Total risk-based capital ratio | 32.2535% | 431 |
| Memoranda: | ||
| Average total assets | $30,264,670 | 5,591 |
| Average earning assets | $25,279,330 | 5,613 |
| Average equity | $4,749,000 | 5,411 |
| Average total loans | $14,155,670 | 5,567 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1915% | 2,302 |
| Cost of funding earning assets | 0.7606% | 613 |
| Net interest margin | 3.4309% | 3,521 |
| Noninterest income to average assets | 0.1728% | 5,244 |
| Noninterest expense to average assets | 2.1804% | 4,700 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6647% | 3,857 |
| Return on assets (ROA) | 0.6647% | 3,897 |
| Pretax return on assets | 0.6913% | 4,481 |
| Return on Equity (ROE) | 4.2230% | 4,699 |
| Retained earnings to average equity (ytd only) | -10.3885% | 5,585 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9259% | 1,918 |
| Assets per employee ($millions) | 3.0454% | 5,312 |
| Cash dividends to net income (ytd only)* | 346.0000% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5120% | 1,658 |
| Loan loss allowance to noncurrent loans | 35.3141% | 4,945 |
| Noncurrent assets plus other real estate owned to assets | 3.8123% | 206 |
| Noncurrent loans to loans | 4.2815% | 230 |
| Net loans and leases to total assets | 44.4901% | 5,011 |
| Net loans and leases to deposits | 52.7014% | 4,997 |
| Net loans and leases to core deposits | 54.1159% | 5,058 |
| Total domestic deposits to total assets | 84.4191% | 3,324 |
| Equity capital to assets | 15.4003% | 577 |
| Core capital (leverage) ratio | 15.0738% | 596 |
| Tier 1 risk-based capital ratio | 28.2777% | 541 |
| Total risk-based capital ratio | 29.5287% | 528 |
| Memoranda: | ||
| Average total assets | $30,086,500 | 5,661 |
| Average earning assets | $23,667,000 | 5,699 |
| Average equity | $4,736,000 | 5,472 |
| Average total loans | $14,426,500 | 5,623 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6665% | 1,126 |
| Cost of funding earning assets | 0.7051% | 795 |
| Net interest margin | 3.9615% | 1,753 |
| Noninterest income to average assets | 0.1694% | 5,374 |
| Noninterest expense to average assets | 2.1156% | 4,975 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2322% | 1,402 |
| Return on assets (ROA) | 1.2322% | 1,490 |
| Pretax return on assets | 1.2820% | 2,345 |
| Return on Equity (ROE) | 7.7778% | 3,067 |
| Retained earnings to average equity (ytd only) | 3.6268% | 3,343 |
| Net charge-offs to loans | 0.0068% | 4,025 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 386.0000% | 211 |
| Efficiency ratio | 62.2678% | 4,207 |
| Assets per employee ($millions) | 2.9719% | 5,373 |
| Cash dividends to net income (ytd only)* | 53.3693% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3778% | 2,175 |
| Loan loss allowance to noncurrent loans | 29.6296% | 5,083 |
| Noncurrent assets plus other real estate owned to assets | 2.3621% | 523 |
| Noncurrent loans to loans | 4.6502% | 189 |
| Net loans and leases to total assets | 50.0959% | 4,757 |
| Net loans and leases to deposits | 59.7816% | 4,685 |
| Net loans and leases to core deposits | 61.4343% | 4,780 |
| Total domestic deposits to total assets | 83.7982% | 3,499 |
| Equity capital to assets | 16.0907% | 487 |
| Core capital (leverage) ratio | 16.0302% | 457 |
| Tier 1 risk-based capital ratio | 28.2385% | 554 |
| Total risk-based capital ratio | 29.4911% | 547 |
| Memoranda: | ||
| Average total assets | $30,109,000 | 5,713 |
| Average earning assets | $24,536,400 | 5,739 |
| Average equity | $4,770,000 | 5,511 |
| Average total loans | $14,814,600 | 5,666 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6621% | 1,157 |
| Cost of funding earning assets | 0.6893% | 860 |
| Net interest margin | 3.9729% | 1,732 |
| Noninterest income to average assets | 0.1633% | 5,452 |
| Noninterest expense to average assets | 1.9775% | 5,251 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3772% | 1,112 |
| Return on assets (ROA) | 1.3772% | 1,178 |
| Pretax return on assets | 1.4169% | 1,979 |
| Return on Equity (ROE) | 8.7265% | 2,641 |
| Retained earnings to average equity (ytd only) | 3.7478% | 3,637 |
| Net charge-offs to loans | -0.5064% | 5,890 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2575% | 4,776 |
| Assets per employee ($millions) | 2.8675% | 5,497 |
| Cash dividends to net income (ytd only)* | 57.0519% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7820% | 1,041 |
| Loan loss allowance to noncurrent loans | 44.6128% | 4,869 |
| Noncurrent assets plus other real estate owned to assets | 2.0715% | 744 |
| Noncurrent loans to loans | 3.9944% | 272 |
| Net loans and leases to total assets | 50.9364% | 4,740 |
| Net loans and leases to deposits | 61.4550% | 4,665 |
| Net loans and leases to core deposits | 63.2376% | 4,761 |
| Total domestic deposits to total assets | 82.8840% | 3,639 |
| Equity capital to assets | 16.9032% | 442 |
| Core capital (leverage) ratio | 15.8346% | 507 |
| Tier 1 risk-based capital ratio | 28.2503% | 569 |
| Total risk-based capital ratio | 29.5018% | 556 |
| Memoranda: | ||
| Average total assets | $30,206,500 | 5,775 |
| Average earning assets | $24,566,000 | 5,800 |
| Average equity | $4,767,000 | 5,568 |
| Average total loans | $14,744,250 | 5,728 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6924% | 1,063 |
| Cost of funding earning assets | 0.6934% | 832 |
| Net interest margin | 3.9990% | 1,646 |
| Noninterest income to average assets | 0.1693% | 5,473 |
| Noninterest expense to average assets | 1.9403% | 5,386 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4259% | 1,016 |
| Return on assets (ROA) | 1.4259% | 1,057 |
| Pretax return on assets | 1.4585% | 1,812 |
| Return on Equity (ROE) | 9.2399% | 2,383 |
| Retained earnings to average equity (ytd only) | 2.5737% | 4,249 |
| Net charge-offs to loans | -1.1971% | 5,996 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0881% | 5,016 |
| Assets per employee ($millions) | 3.0254% | 5,394 |
| Cash dividends to net income (ytd only)* | 72.1461% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1186% | 607 |
| Loan loss allowance to noncurrent loans | 47.7492% | 4,861 |
| Noncurrent assets plus other real estate owned to assets | 2.0559% | 784 |
| Noncurrent loans to loans | 4.4368% | 243 |
| Net loans and leases to total assets | 45.3560% | 5,165 |
| Net loans and leases to deposits | 53.9726% | 5,137 |
| Net loans and leases to core deposits | 55.4267% | 5,205 |
| Total domestic deposits to total assets | 84.0352% | 3,252 |
| Equity capital to assets | 15.8293% | 573 |
| Core capital (leverage) ratio | 14.9580% | 619 |
| Tier 1 risk-based capital ratio | 28.3739% | 573 |
| Total risk-based capital ratio | 29.6324% | 562 |
| Memoranda: | ||
| Average total assets | $30,717,000 | 5,835 |
| Average earning assets | $24,806,330 | 5,870 |
| Average equity | $4,740,330 | 5,629 |
| Average total loans | $14,702,000 | 5,798 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7334% | 985 |
| Cost of funding earning assets | 0.6785% | 898 |
| Net interest margin | 4.0550% | 1,461 |
| Noninterest income to average assets | 0.1809% | 5,414 |
| Noninterest expense to average assets | 1.9387% | 5,466 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4993% | 852 |
| Return on assets (ROA) | 1.4993% | 895 |
| Pretax return on assets | 1.5639% | 1,394 |
| Return on Equity (ROE) | 9.8388% | 2,056 |
| Retained earnings to average equity (ytd only) | -1.8660% | 5,375 |
| Net charge-offs to loans | 0.0532% | 1,995 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 60.5000% | 777 |
| Efficiency ratio | 55.3506% | 5,249 |
| Assets per employee ($millions) | 3.0975% | 5,406 |
| Cash dividends to net income (ytd only)* | 118.9655% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3689% | 2,570 |
| Loan loss allowance to noncurrent loans | 33.7134% | 5,211 |
| Noncurrent assets plus other real estate owned to assets | 1.9822% | 882 |
| Noncurrent loans to loans | 4.0603% | 298 |
| Net loans and leases to total assets | 48.1517% | 4,958 |
| Net loans and leases to deposits | 56.9166% | 4,924 |
| Net loans and leases to core deposits | 58.4032% | 5,023 |
| Total domestic deposits to total assets | 84.6005% | 3,277 |
| Equity capital to assets | 15.2090% | 649 |
| Core capital (leverage) ratio | 14.6089% | 678 |
| Tier 1 risk-based capital ratio | 26.7277% | 688 |
| Total risk-based capital ratio | 27.9588% | 679 |
| Memoranda: | ||
| Average total assets | $30,948,500 | 5,891 |
| Average earning assets | $25,351,500 | 5,924 |
| Average equity | $4,716,000 | 5,677 |
| Average total loans | $15,043,500 | 5,849 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6638% | 1,188 |
| Cost of funding earning assets | 0.6702% | 957 |
| Net interest margin | 3.9936% | 1,736 |
| Noninterest income to average assets | 0.2072% | 5,352 |
| Noninterest expense to average assets | 2.2303% | 4,978 |
| Loan and lease loss provision to assets | 0.2763% | 665 |
| Net operating income to assets | 1.0066% | 2,328 |
| Return on assets (ROA) | 1.0066% | 2,415 |
| Pretax return on assets | 1.0527% | 3,258 |
| Return on Equity (ROE) | 6.4639% | 3,802 |
| Retained earnings to average equity (ytd only) | 3.2531% | 3,737 |
| Net charge-offs to loans | 0.5489% | 460 |
| Credit loss provision to net charge-offs | 103.7037% | 2,418 |
| Earnings coverage of net charge-offs (x) | 4.9877% | 3,455 |
| Efficiency ratio | 62.6617% | 4,501 |
| Assets per employee ($millions) | 3.0922% | 5,427 |
| Cash dividends to net income (ytd only)* | 49.6732% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3966% | 2,440 |
| Loan loss allowance to noncurrent loans | 32.2034% | 5,287 |
| Noncurrent assets plus other real estate owned to assets | 2.0988% | 819 |
| Noncurrent loans to loans | 4.3368% | 254 |
| Net loans and leases to total assets | 47.7201% | 5,040 |
| Net loans and leases to deposits | 56.3938% | 5,019 |
| Net loans and leases to core deposits | 57.8644% | 5,107 |
| Total domestic deposits to total assets | 84.6194% | 3,247 |
| Equity capital to assets | 15.2674% | 630 |
| Core capital (leverage) ratio | 15.1300% | 593 |
| Tier 1 risk-based capital ratio | 27.1606% | 653 |
| Total risk-based capital ratio | 28.4116% | 640 |
| Memoranda: | ||
| Average total assets | $30,399,000 | 5,950 |
| Average earning assets | $25,515,800 | 5,978 |
| Average equity | $4,734,000 | 5,715 |
| Average total loans | $14,758,000 | 5,899 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6466% | 1,216 |
| Cost of funding earning assets | 0.6758% | 950 |
| Net interest margin | 3.9708% | 1,801 |
| Noninterest income to average assets | 0.2203% | 5,337 |
| Noninterest expense to average assets | 2.0307% | 5,421 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.4801% | 950 |
| Return on assets (ROA) | 1.4801% | 986 |
| Pretax return on assets | 1.5285% | 1,605 |
| Return on Equity (ROE) | 9.4568% | 2,326 |
| Retained earnings to average equity (ytd only) | 5.7415% | 2,407 |
| Net charge-offs to loans | -0.0182% | 5,173 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0545% | 5,222 |
| Assets per employee ($millions) | 2.9318% | 5,616 |
| Cash dividends to net income (ytd only)* | 39.2866% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3362% | 2,922 |
| Loan loss allowance to noncurrent loans | 392.4528% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.1808% | 5,032 |
| Noncurrent loans to loans | 0.3405% | 4,394 |
| Net loans and leases to total assets | 52.3876% | 4,717 |
| Net loans and leases to deposits | 62.9080% | 4,652 |
| Net loans and leases to core deposits | 64.6695% | 4,783 |
| Total domestic deposits to total assets | 83.2765% | 3,711 |
| Equity capital to assets | 16.4984% | 490 |
| Core capital (leverage) ratio | 15.3696% | 579 |
| Tier 1 risk-based capital ratio | 27.3380% | 659 |
| Total risk-based capital ratio | 28.5834% | 646 |
| Memoranda: | ||
| Average total assets | $30,268,250 | 6,035 |
| Average earning assets | $25,451,750 | 6,060 |
| Average equity | $4,737,250 | 5,790 |
| Average total loans | $14,706,250 | 5,975 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7408% | 1,001 |
| Cost of funding earning assets | 0.7038% | 829 |
| Net interest margin | 4.0370% | 1,526 |
| Noninterest income to average assets | 0.2093% | 5,435 |
| Noninterest expense to average assets | 2.0206% | 5,489 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4059% | 1,081 |
| Return on assets (ROA) | 1.4059% | 1,118 |
| Pretax return on assets | 1.4517% | 1,797 |
| Return on Equity (ROE) | 9.1412% | 2,463 |
| Retained earnings to average equity (ytd only) | 4.3793% | 3,228 |
| Net charge-offs to loans | -0.0277% | 5,295 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1921% | 5,199 |
| Assets per employee ($millions) | 3.0364% | 5,553 |
| Cash dividends to net income (ytd only)* | 52.0930% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4634% | 2,436 |
| Loan loss allowance to noncurrent loans | 742.8571% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.0922% | 5,499 |
| Noncurrent loans to loans | 0.1970% | 4,989 |
| Net loans and leases to total assets | 46.1237% | 5,234 |
| Net loans and leases to deposits | 54.7884% | 5,203 |
| Net loans and leases to core deposits | 56.2472% | 5,295 |
| Total domestic deposits to total assets | 84.1852% | 3,489 |
| Equity capital to assets | 15.6238% | 582 |
| Core capital (leverage) ratio | 14.9017% | 631 |
| Tier 1 risk-based capital ratio | 28.0835% | 632 |
| Total risk-based capital ratio | 29.3352% | 630 |
| Memoranda: | ||
| Average total assets | $30,585,000 | 6,100 |
| Average earning assets | $24,721,330 | 6,136 |
| Average equity | $4,704,000 | 5,856 |
| Average total loans | $14,419,330 | 6,045 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5887% | 1,249 |
| Cost of funding earning assets | 0.7185% | 780 |
| Net interest margin | 3.8702% | 1,996 |
| Noninterest income to average assets | 0.2346% | 5,286 |
| Noninterest expense to average assets | 2.0850% | 5,419 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1858% | 1,589 |
| Return on assets (ROA) | 1.1858% | 1,687 |
| Pretax return on assets | 1.2380% | 2,516 |
| Return on Equity (ROE) | 7.7711% | 3,085 |
| Retained earnings to average equity (ytd only) | -0.0854% | 5,393 |
| Net charge-offs to loans | -0.0551% | 5,563 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7451% | 4,664 |
| Assets per employee ($millions) | 3.0502% | 5,604 |
| Cash dividends to net income (ytd only)* | 101.0989% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4202% | 2,828 |
| Loan loss allowance to noncurrent loans | 64.0867% | 4,597 |
| Noncurrent assets plus other real estate owned to assets | 1.0589% | 2,497 |
| Noncurrent loans to loans | 2.2161% | 1,141 |
| Net loans and leases to total assets | 47.1051% | 5,115 |
| Net loans and leases to deposits | 55.8067% | 5,062 |
| Net loans and leases to core deposits | 57.2818% | 5,170 |
| Total domestic deposits to total assets | 84.4076% | 3,650 |
| Equity capital to assets | 15.3793% | 649 |
| Core capital (leverage) ratio | 14.6638% | 658 |
| Tier 1 risk-based capital ratio | 26.5834% | 750 |
| Total risk-based capital ratio | 27.8330% | 729 |
| Memoranda: | ||
| Average total assets | $30,695,500 | 6,162 |
| Average earning assets | $24,495,000 | 6,203 |
| Average equity | $4,684,000 | 5,912 |
| Average total loans | $14,522,500 | 6,098 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4957% | 1,884 |
| Cost of funding earning assets | 0.7011% | 1,103 |
| Net interest margin | 3.7946% | 2,643 |
| Noninterest income to average assets | 0.1943% | 5,692 |
| Noninterest expense to average assets | 2.1896% | 5,376 |
| Loan and lease loss provision to assets | 0.3817% | 482 |
| Net operating income to assets | 0.8987% | 2,881 |
| Return on assets (ROA) | 0.8987% | 2,970 |
| Pretax return on assets | 0.9473% | 3,705 |
| Return on Equity (ROE) | 5.5701% | 4,378 |
| Retained earnings to average equity (ytd only) | 1.2689% | 5,207 |
| Net charge-offs to loans | 0.1778% | 2,248 |
| Credit loss provision to net charge-offs | 440.0000% | 592 |
| Earnings coverage of net charge-offs (x) | 15.3200% | 2,089 |
| Efficiency ratio | 62.2288% | 4,874 |
| Assets per employee ($millions) | 3.0889% | 5,577 |
| Cash dividends to net income (ytd only)* | 77.2201% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4236% | 2,830 |
| Loan loss allowance to noncurrent loans | 63.9752% | 4,697 |
| Noncurrent assets plus other real estate owned to assets | 1.2334% | 2,299 |
| Noncurrent loans to loans | 2.2253% | 1,193 |
| Net loans and leases to total assets | 46.1783% | 5,311 |
| Net loans and leases to deposits | 54.5177% | 5,292 |
| Net loans and leases to core deposits | 55.9307% | 5,390 |
| Total domestic deposits to total assets | 84.7033% | 3,416 |
| Equity capital to assets | 15.1413% | 682 |
| Core capital (leverage) ratio | 15.3187% | 559 |
| Tier 1 risk-based capital ratio | 26.4572% | 725 |
| Total risk-based capital ratio | 27.7067% | 710 |
| Memoranda: | ||
| Average total assets | $28,818,400 | 6,267 |
| Average earning assets | $25,246,400 | 6,272 |
| Average equity | $4,649,800 | 5,943 |
| Average total loans | $14,060,800 | 6,188 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5015% | 1,863 |
| Cost of funding earning assets | 0.6926% | 1,183 |
| Net interest margin | 3.8090% | 2,583 |
| Noninterest income to average assets | 0.1979% | 5,740 |
| Noninterest expense to average assets | 2.1153% | 5,538 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.4558% | 1,015 |
| Return on assets (ROA) | 1.4558% | 1,057 |
| Pretax return on assets | 1.5029% | 1,634 |
| Return on Equity (ROE) | 8.8734% | 2,751 |
| Retained earnings to average equity (ytd only) | 3.7045% | 4,004 |
| Net charge-offs to loans | -0.0095% | 5,414 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4635% | 5,381 |
| Assets per employee ($millions) | 2.8205% | 5,943 |
| Cash dividends to net income (ytd only)* | 58.2514% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8685% | 5,692 |
| Loan loss allowance to noncurrent loans | 30.8861% | 5,696 |
| Noncurrent assets plus other real estate owned to assets | 1.6096% | 1,883 |
| Noncurrent loans to loans | 2.8120% | 986 |
| Net loans and leases to total assets | 49.3707% | 5,068 |
| Net loans and leases to deposits | 59.5391% | 4,981 |
| Net loans and leases to core deposits | 61.2707% | 5,091 |
| Total domestic deposits to total assets | 82.9215% | 4,176 |
| Equity capital to assets | 16.8303% | 448 |
| Core capital (leverage) ratio | 15.6232% | 523 |
| Tier 1 risk-based capital ratio | 28.2797% | 627 |
| Total risk-based capital ratio | 29.0582% | 638 |
| Memoranda: | ||
| Average total assets | $28,300,750 | 6,358 |
| Average earning assets | $25,413,000 | 6,346 |
| Average equity | $4,643,000 | 6,004 |
| Average total loans | $13,958,500 | 6,262 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5884% | 1,562 |
| Cost of funding earning assets | 0.6926% | 1,224 |
| Net interest margin | 3.8958% | 2,185 |
| Noninterest income to average assets | 0.1977% | 5,776 |
| Noninterest expense to average assets | 2.1248% | 5,571 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5177% | 843 |
| Return on assets (ROA) | 1.5177% | 877 |
| Pretax return on assets | 1.5671% | 1,340 |
| Return on Equity (ROE) | 9.3309% | 2,448 |
| Retained earnings to average equity (ytd only) | 2.3870% | 4,689 |
| Net charge-offs to loans | -0.0144% | 5,434 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5526% | 5,604 |
| Assets per employee ($millions) | 2.9466% | 5,826 |
| Cash dividends to net income (ytd only)* | 74.4186% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9028% | 5,716 |
| Loan loss allowance to noncurrent loans | 123.2323% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 0.5362% | 4,387 |
| Noncurrent loans to loans | 0.7326% | 3,866 |
| Net loans and leases to total assets | 45.4490% | 5,420 |
| Net loans and leases to deposits | 54.1332% | 5,346 |
| Net loans and leases to core deposits | 55.6123% | 5,437 |
| Total domestic deposits to total assets | 83.9578% | 3,930 |
| Equity capital to assets | 15.8522% | 576 |
| Core capital (leverage) ratio | 15.5199% | 535 |
| Tier 1 risk-based capital ratio | 28.1252% | 636 |
| Total risk-based capital ratio | 28.9126% | 649 |
| Memoranda: | ||
| Average total assets | $28,332,670 | 6,418 |
| Average earning assets | $25,412,000 | 6,406 |
| Average equity | $4,608,330 | 6,053 |
| Average total loans | $13,929,000 | 6,320 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0211% | 692 |
| Cost of funding earning assets | 0.6705% | 1,438 |
| Net interest margin | 4.3505% | 896 |
| Noninterest income to average assets | 0.2161% | 5,624 |
| Noninterest expense to average assets | 2.3050% | 5,180 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.8296% | 460 |
| Return on assets (ROA) | 1.8296% | 481 |
| Pretax return on assets | 1.9304% | 612 |
| Return on Equity (ROE) | 11.0990% | 1,652 |
| Retained earnings to average equity (ytd only) | -1.1361% | 5,750 |
| Net charge-offs to loans | 0.0283% | 3,013 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 134.0000% | 369 |
| Efficiency ratio | 54.4218% | 5,979 |
| Assets per employee ($millions) | 2.7879% | 6,112 |
| Cash dividends to net income (ytd only)* | 110.2362% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8494% | 6,008 |
| Loan loss allowance to noncurrent loans | 94.4882% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 0.6672% | 4,117 |
| Noncurrent loans to loans | 0.8989% | 3,637 |
| Net loans and leases to total assets | 50.2457% | 4,887 |
| Net loans and leases to deposits | 60.2832% | 4,735 |
| Net loans and leases to core deposits | 62.0399% | 4,877 |
| Total domestic deposits to total assets | 83.3495% | 4,487 |
| Equity capital to assets | 16.4138% | 473 |
| Core capital (leverage) ratio | 15.2528% | 571 |
| Tier 1 risk-based capital ratio | 27.4648% | 683 |
| Total risk-based capital ratio | 28.2330% | 703 |
| Memoranda: | ||
| Average total assets | $27,766,000 | 6,500 |
| Average earning assets | $25,652,000 | 6,466 |
| Average equity | $4,577,000 | 6,103 |
| Average total loans | $14,136,500 | 6,375 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1529% | 3,529 |
| Cost of funding earning assets | 0.7690% | 1,384 |
| Net interest margin | 3.3838% | 4,346 |
| Noninterest income to average assets | 0.2310% | 5,695 |
| Noninterest expense to average assets | 2.0583% | 5,912 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1585% | 1,727 |
| Return on assets (ROA) | 1.1585% | 1,785 |
| Pretax return on assets | 1.2067% | 2,547 |
| Return on Equity (ROE) | 7.2860% | 3,412 |
| Retained earnings to average equity (ytd only) | 3.2093% | 3,947 |
| Net charge-offs to loans | 0.0218% | 4,997 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 116.6667% | 407 |
| Efficiency ratio | 63.0412% | 5,052 |
| Assets per employee ($millions) | 2.7653% | 6,153 |
| Cash dividends to net income (ytd only)* | 55.9524% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8554% | 6,045 |
| Loan loss allowance to noncurrent loans | 23.5867% | 6,103 |
| Noncurrent assets plus other real estate owned to assets | 2.0685% | 1,732 |
| Noncurrent loans to loans | 3.6267% | 839 |
| Net loans and leases to total assets | 50.7142% | 5,003 |
| Net loans and leases to deposits | 60.9024% | 4,842 |
| Net loans and leases to core deposits | 62.6883% | 4,999 |
| Total domestic deposits to total assets | 83.2713% | 4,438 |
| Equity capital to assets | 16.5552% | 443 |
| Core capital (leverage) ratio | 15.7107% | 505 |
| Tier 1 risk-based capital ratio | 27.6791% | 630 |
| Total risk-based capital ratio | 28.4575% | 649 |
| Memoranda: | ||
| Average total assets | $29,004,000 | 6,544 |
| Average earning assets | $26,006,200 | 6,528 |
| Average equity | $4,611,600 | 6,167 |
| Average total loans | $13,731,400 | 6,463 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2025% | 3,384 |
| Cost of funding earning assets | 0.7822% | 1,418 |
| Net interest margin | 3.4203% | 4,206 |
| Noninterest income to average assets | 0.2318% | 5,776 |
| Noninterest expense to average assets | 1.9857% | 6,035 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2405% | 1,507 |
| Return on assets (ROA) | 1.2405% | 1,585 |
| Pretax return on assets | 1.2859% | 2,382 |
| Return on Equity (ROE) | 7.8786% | 3,183 |
| Retained earnings to average equity (ytd only) | 3.0303% | 4,505 |
| Net charge-offs to loans | 0.0391% | 4,363 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 70.7917% | 661 |
| Efficiency ratio | 60.6944% | 5,329 |
| Assets per employee ($millions) | 2.8579% | 6,066 |
| Cash dividends to net income (ytd only)* | 61.5374% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8711% | 6,131 |
| Loan loss allowance to noncurrent loans | 25.9179% | 6,107 |
| Noncurrent assets plus other real estate owned to assets | 1.8265% | 2,238 |
| Noncurrent loans to loans | 3.3612% | 1,155 |
| Net loans and leases to total assets | 47.7798% | 5,372 |
| Net loans and leases to deposits | 56.9980% | 5,279 |
| Net loans and leases to core deposits | 58.6026% | 5,399 |
| Total domestic deposits to total assets | 83.8273% | 4,265 |
| Equity capital to assets | 15.9173% | 567 |
| Core capital (leverage) ratio | 15.2306% | 606 |
| Tier 1 risk-based capital ratio | 27.4538% | 671 |
| Total risk-based capital ratio | 28.2271% | 691 |
| Memoranda: | ||
| Average total assets | $29,341,750 | 6,606 |
| Average earning assets | $26,079,250 | 6,601 |
| Average equity | $4,620,000 | 6,241 |
| Average total loans | $13,628,000 | 6,540 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2353% | 3,209 |
| Cost of funding earning assets | 0.7784% | 1,537 |
| Net interest margin | 3.4570% | 3,970 |
| Noninterest income to average assets | 0.2365% | 5,752 |
| Noninterest expense to average assets | 1.9395% | 6,151 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3110% | 1,300 |
| Return on assets (ROA) | 1.3110% | 1,382 |
| Pretax return on assets | 1.3583% | 2,089 |
| Return on Equity (ROE) | 8.3555% | 2,916 |
| Retained earnings to average equity (ytd only) | 1.9812% | 5,012 |
| Net charge-offs to loans | 0.1767% | 2,703 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 16.7500% | 1,643 |
| Efficiency ratio | 58.8115% | 5,623 |
| Assets per employee ($millions) | 2.9127% | 5,998 |
| Cash dividends to net income (ytd only)* | 76.2887% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8489% | 6,253 |
| Loan loss allowance to noncurrent loans | 124.1758% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 0.5150% | 4,983 |
| Noncurrent loans to loans | 0.6836% | 4,569 |
| Net loans and leases to total assets | 45.3119% | 5,605 |
| Net loans and leases to deposits | 53.8716% | 5,531 |
| Net loans and leases to core deposits | 55.3491% | 5,650 |
| Total domestic deposits to total assets | 84.1110% | 4,272 |
| Equity capital to assets | 15.6865% | 581 |
| Core capital (leverage) ratio | 14.7233% | 663 |
| Tier 1 risk-based capital ratio | 27.7973% | 642 |
| Total risk-based capital ratio | 28.5450% | 659 |
| Memoranda: | ||
| Average total assets | $29,596,000 | 6,645 |
| Average earning assets | $26,208,000 | 6,651 |
| Average equity | $4,643,670 | 6,285 |
| Average total loans | $13,579,000 | 6,577 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2907% | 2,923 |
| Cost of funding earning assets | 0.7678% | 1,726 |
| Net interest margin | 3.5229% | 3,608 |
| Noninterest income to average assets | 0.2548% | 5,634 |
| Noninterest expense to average assets | 2.0114% | 6,081 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3141% | 1,244 |
| Return on assets (ROA) | 1.3141% | 1,349 |
| Pretax return on assets | 1.3811% | 1,920 |
| Return on Equity (ROE) | 8.3743% | 2,785 |
| Retained earnings to average equity (ytd only) | -2.5636% | 6,145 |
| Net charge-offs to loans | -0.0292% | 5,883 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2885% | 5,686 |
| Assets per employee ($millions) | 2.9606% | 6,057 |
| Cash dividends to net income (ytd only)* | 130.6122% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8862% | 6,294 |
| Loan loss allowance to noncurrent loans | 337.8378% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.3243% | 5,612 |
| Noncurrent loans to loans | 0.2623% | 5,752 |
| Net loans and leases to total assets | 47.2202% | 5,312 |
| Net loans and leases to deposits | 56.2417% | 5,220 |
| Net loans and leases to core deposits | 57.7614% | 5,362 |
| Total domestic deposits to total assets | 83.9593% | 4,493 |
| Equity capital to assets | 15.7536% | 597 |
| Core capital (leverage) ratio | 14.3738% | 699 |
| Tier 1 risk-based capital ratio | 25.4740% | 843 |
| Total risk-based capital ratio | 26.2459% | 876 |
| Memoranda: | ||
| Average total assets | $29,830,500 | 6,711 |
| Average earning assets | $26,569,000 | 6,705 |
| Average equity | $4,681,000 | 6,346 |
| Average total loans | $13,713,000 | 6,635 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4735% | 3,508 |
| Cost of funding earning assets | 0.9802% | 1,468 |
| Net interest margin | 3.4933% | 4,528 |
| Noninterest income to average assets | 0.2585% | 5,616 |
| Noninterest expense to average assets | 2.0915% | 6,146 |
| Loan and lease loss provision to assets | 0.1496% | 3,736 |
| Net operating income to assets | 1.1121% | 1,902 |
| Return on assets (ROA) | 1.1121% | 2,073 |
| Pretax return on assets | 1.1563% | 2,962 |
| Return on Equity (ROE) | 7.1670% | 3,547 |
| Retained earnings to average equity (ytd only) | 3.5287% | 3,734 |
| Net charge-offs to loans | 0.2939% | 3,179 |
| Credit loss provision to net charge-offs | 110.0000% | 2,657 |
| Earnings coverage of net charge-offs (x) | 9.6000% | 2,254 |
| Efficiency ratio | 61.5616% | 5,302 |
| Assets per employee ($millions) | 3.0055% | 6,005 |
| Cash dividends to net income (ytd only)* | 50.7645% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9309% | 6,192 |
| Loan loss allowance to noncurrent loans | 442.8571% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.2895% | 5,816 |
| Noncurrent loans to loans | 0.2102% | 5,948 |
| Net loans and leases to total assets | 43.9095% | 5,827 |
| Net loans and leases to deposits | 52.1951% | 5,789 |
| Net loans and leases to core deposits | 53.5766% | 5,907 |
| Total domestic deposits to total assets | 84.1258% | 4,259 |
| Equity capital to assets | 15.6313% | 616 |
| Core capital (leverage) ratio | 14.1481% | 762 |
| Tier 1 risk-based capital ratio | 26.3308% | 743 |
| Total risk-based capital ratio | 27.1166% | 772 |
| Memoranda: | ||
| Average total assets | $29,405,000 | 6,768 |
| Average earning assets | $26,422,000 | 6,758 |
| Average equity | $4,562,600 | 6,428 |
| Average total loans | $13,611,000 | 6,710 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5153% | 3,572 |
| Cost of funding earning assets | 0.9849% | 1,651 |
| Net interest margin | 3.5305% | 4,526 |
| Noninterest income to average assets | 0.2690% | 5,630 |
| Noninterest expense to average assets | 2.0381% | 6,293 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.3770% | 1,276 |
| Return on assets (ROA) | 1.3770% | 1,408 |
| Pretax return on assets | 1.4180% | 2,179 |
| Return on Equity (ROE) | 8.8912% | 2,854 |
| Retained earnings to average equity (ytd only) | 4.5927% | 3,670 |
| Net charge-offs to loans | -0.0195% | 6,489 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9710% | 5,664 |
| Assets per employee ($millions) | 2.9444% | 6,140 |
| Cash dividends to net income (ytd only)* | 48.3435% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9056% | 6,363 |
| Loan loss allowance to noncurrent loans | 58.3732% | 4,725 |
| Noncurrent assets plus other real estate owned to assets | 0.9102% | 4,457 |
| Noncurrent loans to loans | 1.5515% | 3,456 |
| Net loans and leases to total assets | 45.3369% | 5,835 |
| Net loans and leases to deposits | 54.2135% | 5,795 |
| Net loans and leases to core deposits | 55.6881% | 5,915 |
| Total domestic deposits to total assets | 83.6265% | 4,382 |
| Equity capital to assets | 16.0372% | 599 |
| Core capital (leverage) ratio | 14.3133% | 749 |
| Tier 1 risk-based capital ratio | 26.4466% | 788 |
| Total risk-based capital ratio | 27.2241% | 817 |
| Memoranda: | ||
| Average total assets | $29,242,500 | 6,860 |
| Average earning assets | $26,398,250 | 6,837 |
| Average equity | $4,528,750 | 6,506 |
| Average total loans | $13,683,500 | 6,800 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5550% | 3,544 |
| Cost of funding earning assets | 1.0207% | 1,651 |
| Net interest margin | 3.5343% | 4,535 |
| Noninterest income to average assets | 0.2536% | 5,767 |
| Noninterest expense to average assets | 2.0085% | 6,411 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3847% | 1,218 |
| Return on assets (ROA) | 1.3847% | 1,365 |
| Pretax return on assets | 1.4259% | 2,104 |
| Return on Equity (ROE) | 9.0495% | 2,799 |
| Retained earnings to average equity (ytd only) | 3.4048% | 4,334 |
| Net charge-offs to loans | -0.0291% | 6,516 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4830% | 5,805 |
| Assets per employee ($millions) | 2.9814% | 6,099 |
| Cash dividends to net income (ytd only)* | 62.3762% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9320% | 6,377 |
| Loan loss allowance to noncurrent loans | 80.2632% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 0.7077% | 5,021 |
| Noncurrent loans to loans | 1.1612% | 4,217 |
| Net loans and leases to total assets | 43.4963% | 6,067 |
| Net loans and leases to deposits | 51.6324% | 6,049 |
| Net loans and leases to core deposits | 52.4680% | 6,202 |
| Total domestic deposits to total assets | 84.2423% | 4,216 |
| Equity capital to assets | 15.4860% | 679 |
| Core capital (leverage) ratio | 14.0012% | 805 |
| Tier 1 risk-based capital ratio | 26.2530% | 782 |
| Total risk-based capital ratio | 27.0399% | 807 |
| Memoranda: | ||
| Average total assets | $29,175,330 | 6,911 |
| Average earning assets | $26,257,000 | 6,895 |
| Average equity | $4,464,330 | 6,553 |
| Average total loans | $13,754,330 | 6,851 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3440% | 4,540 |
| Cost of funding earning assets | 1.0151% | 1,890 |
| Net interest margin | 3.3289% | 5,368 |
| Noninterest income to average assets | 0.2772% | 5,645 |
| Noninterest expense to average assets | 2.2179% | 5,998 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0812% | 2,167 |
| Return on assets (ROA) | 1.0812% | 2,344 |
| Pretax return on assets | 1.1505% | 3,109 |
| Return on Equity (ROE) | 7.1103% | 3,720 |
| Retained earnings to average equity (ytd only) | -2.5524% | 6,343 |
| Net charge-offs to loans | -0.0284% | 6,324 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8436% | 4,588 |
| Assets per employee ($millions) | 2.9347% | 6,281 |
| Cash dividends to net income (ytd only)* | 135.8974% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8650% | 6,618 |
| Loan loss allowance to noncurrent loans | 30.8673% | 6,129 |
| Noncurrent assets plus other real estate owned to assets | 1.5368% | 3,560 |
| Noncurrent loans to loans | 2.8022% | 2,305 |
| Net loans and leases to total assets | 47.2553% | 5,648 |
| Net loans and leases to deposits | 55.7216% | 5,638 |
| Net loans and leases to core deposits | 56.6318% | 5,849 |
| Total domestic deposits to total assets | 84.8059% | 4,120 |
| Equity capital to assets | 14.8772% | 771 |
| Core capital (leverage) ratio | 14.0663% | 789 |
| Tier 1 risk-based capital ratio | 24.6045% | 942 |
| Total risk-based capital ratio | 25.3552% | 981 |
| Memoranda: | ||
| Average total assets | $28,856,000 | 6,981 |
| Average earning assets | $26,795,500 | 6,935 |
| Average equity | $4,388,000 | 6,610 |
| Average total loans | $14,086,500 | 6,900 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7120% | 4,191 |
| Cost of funding earning assets | 1.3419% | 1,280 |
| Net interest margin | 3.3702% | 5,577 |
| Noninterest income to average assets | 0.2648% | 5,628 |
| Noninterest expense to average assets | 2.1604% | 6,359 |
| Loan and lease loss provision to assets | 0.0871% | 5,500 |
| Net operating income to assets | 1.0314% | 2,078 |
| Return on assets (ROA) | 1.0314% | 2,230 |
| Pretax return on assets | 1.0453% | 3,050 |
| Return on Equity (ROE) | 7.1719% | 3,321 |
| Retained earnings to average equity (ytd only) | 4.6278% | 2,893 |
| Net charge-offs to loans | 0.1837% | 4,675 |
| Credit loss provision to net charge-offs | 108.6957% | 3,101 |
| Earnings coverage of net charge-offs (x) | 14.1304% | 1,482 |
| Efficiency ratio | 65.6085% | 4,845 |
| Assets per employee ($millions) | 2.8365% | 6,398 |
| Cash dividends to net income (ytd only)* | 35.4730% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8460% | 6,653 |
| Loan loss allowance to noncurrent loans | 26.4901% | 6,378 |
| Noncurrent assets plus other real estate owned to assets | 1.8050% | 3,249 |
| Noncurrent loans to loans | 3.1937% | 2,025 |
| Net loans and leases to total assets | 49.5822% | 5,650 |
| Net loans and leases to deposits | 59.9105% | 5,489 |
| Net loans and leases to core deposits | 60.9491% | 5,757 |
| Total domestic deposits to total assets | 82.7604% | 4,858 |
| Equity capital to assets | 15.5473% | 662 |
| Core capital (leverage) ratio | 14.3144% | 753 |
| Tier 1 risk-based capital ratio | 24.8987% | 877 |
| Total risk-based capital ratio | 25.6468% | 923 |
| Memoranda: | ||
| Average total assets | $28,698,600 | 7,004 |
| Average earning assets | $25,785,200 | 6,994 |
| Average equity | $4,127,200 | 6,718 |
| Average total loans | $12,518,400 | 7,011 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9167% | 3,480 |
| Cost of funding earning assets | 1.3861% | 1,291 |
| Net interest margin | 3.5306% | 5,058 |
| Noninterest income to average assets | 0.2687% | 5,693 |
| Noninterest expense to average assets | 2.0336% | 6,624 |
| Loan and lease loss provision to assets | 0.1158% | 4,985 |
| Net operating income to assets | 1.1859% | 1,690 |
| Return on assets (ROA) | 1.1859% | 1,808 |
| Pretax return on assets | 1.2461% | 2,466 |
| Return on Equity (ROE) | 8.4142% | 2,867 |
| Retained earnings to average equity (ytd only) | 5.6204% | 2,783 |
| Net charge-offs to loans | 0.2204% | 4,056 |
| Credit loss provision to net charge-offs | 125.0000% | 2,566 |
| Earnings coverage of net charge-offs (x) | 14.6978% | 1,516 |
| Efficiency ratio | 59.8909% | 5,742 |
| Assets per employee ($millions) | 2.8777% | 6,356 |
| Cash dividends to net income (ytd only)* | 33.2034% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9778% | 6,363 |
| Loan loss allowance to noncurrent loans | 133.6957% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.5664% | 5,697 |
| Noncurrent loans to loans | 0.7314% | 5,413 |
| Net loans and leases to total assets | 43.2846% | 6,399 |
| Net loans and leases to deposits | 51.4201% | 6,416 |
| Net loans and leases to core deposits | 52.2834% | 6,547 |
| Total domestic deposits to total assets | 84.1783% | 4,144 |
| Equity capital to assets | 15.3942% | 748 |
| Core capital (leverage) ratio | 13.6742% | 988 |
| Tier 1 risk-based capital ratio | 26.8278% | 748 |
| Total risk-based capital ratio | 27.6581% | 773 |
| Memoranda: | ||
| Average total assets | $28,782,000 | 7,073 |
| Average earning assets | $25,490,750 | 7,070 |
| Average equity | $4,056,500 | 6,787 |
| Average total loans | $12,102,000 | 7,098 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9982% | 3,169 |
| Cost of funding earning assets | 1.4033% | 1,409 |
| Net interest margin | 3.5949% | 4,741 |
| Noninterest income to average assets | 0.2571% | 5,809 |
| Noninterest expense to average assets | 2.0220% | 6,744 |
| Loan and lease loss provision to assets | 0.0695% | 5,438 |
| Net operating income to assets | 1.2716% | 1,392 |
| Return on assets (ROA) | 1.2716% | 1,460 |
| Pretax return on assets | 1.3341% | 2,020 |
| Return on Equity (ROE) | 9.3082% | 2,377 |
| Retained earnings to average equity (ytd only) | 6.0020% | 2,430 |
| Net charge-offs to loans | 0.1005% | 4,675 |
| Credit loss provision to net charge-offs | 166.6667% | 1,814 |
| Earnings coverage of net charge-offs (x) | 33.6667% | 852 |
| Efficiency ratio | 59.0264% | 6,022 |
| Assets per employee ($millions) | 3.0246% | 6,030 |
| Cash dividends to net income (ytd only)* | 35.5191% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9928% | 6,365 |
| Loan loss allowance to noncurrent loans | 46.5649% | 5,223 |
| Noncurrent assets plus other real estate owned to assets | 1.1010% | 4,687 |
| Noncurrent loans to loans | 2.1322% | 3,310 |
| Net loans and leases to total assets | 40.2235% | 6,729 |
| Net loans and leases to deposits | 46.7905% | 6,792 |
| Net loans and leases to core deposits | 47.5216% | 6,878 |
| Total domestic deposits to total assets | 85.9651% | 3,348 |
| Equity capital to assets | 13.7605% | 1,177 |
| Core capital (leverage) ratio | 13.4807% | 1,002 |
| Tier 1 risk-based capital ratio | 26.1854% | 799 |
| Total risk-based capital ratio | 27.0001% | 813 |
| Memoranda: | ||
| Average total assets | $28,783,670 | 7,138 |
| Average earning assets | $25,369,330 | 7,139 |
| Average equity | $3,932,000 | 6,864 |
| Average total loans | $11,943,000 | 7,174 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1273% | 2,525 |
| Cost of funding earning assets | 1.4511% | 1,377 |
| Net interest margin | 3.6762% | 4,220 |
| Noninterest income to average assets | 0.2709% | 5,738 |
| Noninterest expense to average assets | 2.1531% | 6,522 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3118% | 1,238 |
| Return on assets (ROA) | 1.3118% | 1,285 |
| Pretax return on assets | 1.3689% | 1,820 |
| Return on Equity (ROE) | 9.6411% | 2,232 |
| Retained earnings to average equity (ytd only) | 4.9253% | 3,243 |
| Net charge-offs to loans | -0.0680% | 6,981 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1336% | 5,817 |
| Assets per employee ($millions) | 2.8232% | 6,491 |
| Cash dividends to net income (ytd only)* | 48.9130% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0122% | 6,349 |
| Loan loss allowance to noncurrent loans | 342.8571% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.3755% | 6,266 |
| Noncurrent loans to loans | 0.2952% | 6,394 |
| Net loans and leases to total assets | 41.5663% | 6,663 |
| Net loans and leases to deposits | 48.3718% | 6,732 |
| Net loans and leases to core deposits | 49.1827% | 6,822 |
| Total domestic deposits to total assets | 85.9309% | 3,560 |
| Equity capital to assets | 13.7362% | 1,089 |
| Core capital (leverage) ratio | 13.7495% | 903 |
| Tier 1 risk-based capital ratio | 27.0784% | 698 |
| Total risk-based capital ratio | 27.9224% | 716 |
| Memoranda: | ||
| Average total assets | $28,052,500 | 7,211 |
| Average earning assets | $24,808,500 | 7,203 |
| Average equity | $3,817,000 | 6,931 |
| Average total loans | $11,770,500 | 7,236 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2172% | 3,524 |
| Cost of funding earning assets | 1.8302% | 1,059 |
| Net interest margin | 3.3870% | 5,681 |
| Noninterest income to average assets | 0.3058% | 5,608 |
| Noninterest expense to average assets | 2.2132% | 6,582 |
| Loan and lease loss provision to assets | 0.0364% | 6,793 |
| Net operating income to assets | 0.9392% | 2,243 |
| Return on assets (ROA) | 0.9392% | 2,371 |
| Pretax return on assets | 0.9865% | 2,974 |
| Return on Equity (ROE) | 6.7303% | 3,248 |
| Retained earnings to average equity (ytd only) | -0.3652% | 5,685 |
| Net charge-offs to loans | 0.1201% | 5,684 |
| Credit loss provision to net charge-offs | 71.4286% | 5,822 |
| Earnings coverage of net charge-offs (x) | 20.0714% | 1,027 |
| Efficiency ratio | 68.3915% | 4,480 |
| Assets per employee ($millions) | 2.7873% | 6,537 |
| Cash dividends to net income (ytd only)* | 105.4264% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0098% | 6,339 |
| Loan loss allowance to noncurrent loans | 337.1429% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.3695% | 6,346 |
| Noncurrent loans to loans | 0.2995% | 6,457 |
| Net loans and leases to total assets | 41.5025% | 6,875 |
| Net loans and leases to deposits | 48.1098% | 6,948 |
| Net loans and leases to core deposits | 48.9237% | 7,026 |
| Total domestic deposits to total assets | 86.2663% | 3,219 |
| Equity capital to assets | 13.4754% | 1,185 |
| Core capital (leverage) ratio | 13.8065% | 894 |
| Tier 1 risk-based capital ratio | 27.0272% | 671 |
| Total risk-based capital ratio | 27.8658% | 683 |
| Memoranda: | ||
| Average total assets | $27,471,400 | 7,279 |
| Average earning assets | $23,767,400 | 7,294 |
| Average equity | $3,833,400 | 7,048 |
| Average total loans | $11,661,200 | 7,322 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3081% | 3,314 |
| Cost of funding earning assets | 1.8728% | 1,126 |
| Net interest margin | 3.4353% | 5,551 |
| Noninterest income to average assets | 0.3069% | 5,699 |
| Noninterest expense to average assets | 2.1287% | 6,786 |
| Loan and lease loss provision to assets | 0.0487% | 6,596 |
| Net operating income to assets | 1.0327% | 2,133 |
| Return on assets (ROA) | 1.0327% | 2,233 |
| Pretax return on assets | 1.0960% | 2,839 |
| Return on Equity (ROE) | 7.3366% | 3,185 |
| Retained earnings to average equity (ytd only) | -1.3842% | 6,077 |
| Net charge-offs to loans | 0.1602% | 5,037 |
| Credit loss provision to net charge-offs | 71.4286% | 5,375 |
| Earnings coverage of net charge-offs (x) | 16.7825% | 1,363 |
| Efficiency ratio | 65.0298% | 5,046 |
| Assets per employee ($millions) | 2.7263% | 6,729 |
| Cash dividends to net income (ytd only)* | 118.8672% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0234% | 6,292 |
| Loan loss allowance to noncurrent loans | 126.8817% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 0.3411% | 6,529 |
| Noncurrent loans to loans | 0.8066% | 5,603 |
| Net loans and leases to total assets | 41.8589% | 6,986 |
| Net loans and leases to deposits | 49.2597% | 7,031 |
| Net loans and leases to core deposits | 50.1252% | 7,118 |
| Total domestic deposits to total assets | 84.9760% | 3,626 |
| Equity capital to assets | 14.5399% | 1,011 |
| Core capital (leverage) ratio | 14.0854% | 902 |
| Tier 1 risk-based capital ratio | 25.4532% | 827 |
| Total risk-based capital ratio | 26.2484% | 848 |
| Memoranda: | ||
| Average total assets | $27,371,000 | 7,375 |
| Average earning assets | $23,636,500 | 7,390 |
| Average equity | $3,852,750 | 7,134 |
| Average total loans | $11,655,000 | 7,423 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4401% | 2,800 |
| Cost of funding earning assets | 1.9045% | 1,225 |
| Net interest margin | 3.5356% | 5,106 |
| Noninterest income to average assets | 0.3211% | 5,590 |
| Noninterest expense to average assets | 2.1017% | 6,903 |
| Loan and lease loss provision to assets | 0.0730% | 6,217 |
| Net operating income to assets | 1.1092% | 1,822 |
| Return on assets (ROA) | 1.1092% | 1,891 |
| Pretax return on assets | 1.1676% | 2,524 |
| Return on Equity (ROE) | 7.9671% | 2,898 |
| Retained earnings to average equity (ytd only) | -4.1932% | 6,463 |
| Net charge-offs to loans | 0.2565% | 4,066 |
| Credit loss provision to net charge-offs | 66.6667% | 5,056 |
| Earnings coverage of net charge-offs (x) | 11.3333% | 1,776 |
| Efficiency ratio | 62.8821% | 5,541 |
| Assets per employee ($millions) | 2.7748% | 6,627 |
| Cash dividends to net income (ytd only)* | 152.6316% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0044% | 6,378 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 41.5598% | 7,064 |
| Net loans and leases to deposits | 48.4925% | 7,139 |
| Net loans and leases to core deposits | 49.3221% | 7,242 |
| Total domestic deposits to total assets | 85.7035% | 3,261 |
| Equity capital to assets | 13.9542% | 1,171 |
| Core capital (leverage) ratio | 13.6775% | 1,008 |
| Tier 1 risk-based capital ratio | 25.7975% | 783 |
| Total risk-based capital ratio | 26.6054% | 799 |
| Memoranda: | ||
| Average total assets | $27,407,000 | 7,431 |
| Average earning assets | $23,418,670 | 7,456 |
| Average equity | $3,815,670 | 7,177 |
| Average total loans | $11,696,670 | 7,472 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4779% | 2,699 |
| Cost of funding earning assets | 1.9113% | 1,402 |
| Net interest margin | 3.5666% | 4,874 |
| Noninterest income to average assets | 0.3084% | 5,676 |
| Noninterest expense to average assets | 2.1295% | 6,861 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1896% | 1,568 |
| Return on assets (ROA) | 1.1896% | 1,643 |
| Pretax return on assets | 1.2483% | 2,208 |
| Return on Equity (ROE) | 8.5545% | 2,646 |
| Retained earnings to average equity (ytd only) | -13.8350% | 7,166 |
| Net charge-offs to loans | 0.2389% | 3,504 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 12.1429% | 1,587 |
| Efficiency ratio | 63.0435% | 5,652 |
| Assets per employee ($millions) | 2.7371% | 6,786 |
| Cash dividends to net income (ytd only)* | 261.7284% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9695% | 6,601 |
| Loan loss allowance to noncurrent loans | 1,150.0000% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.0365% | 7,405 |
| Noncurrent loans to loans | 0.0843% | 7,180 |
| Net loans and leases to total assets | 42.9177% | 7,066 |
| Net loans and leases to deposits | 49.9660% | 7,126 |
| Net loans and leases to core deposits | 50.8308% | 7,251 |
| Total domestic deposits to total assets | 85.8938% | 3,215 |
| Equity capital to assets | 13.6678% | 1,259 |
| Core capital (leverage) ratio | 13.3805% | 1,106 |
| Tier 1 risk-based capital ratio | 25.2086% | 840 |
| Total risk-based capital ratio | 25.9953% | 869 |
| Memoranda: | ||
| Average total assets | $27,236,500 | 7,528 |
| Average earning assets | $23,439,500 | 7,551 |
| Average equity | $3,787,500 | 7,254 |
| Average total loans | $11,720,500 | 7,563 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7756% | 2,762 |
| Cost of funding earning assets | 2.0202% | 2,867 |
| Net interest margin | 3.7554% | 3,888 |
| Noninterest income to average assets | 0.3240% | 5,764 |
| Noninterest expense to average assets | 2.3106% | 6,720 |
| Loan and lease loss provision to assets | 0.0386% | 7,161 |
| Net operating income to assets | 1.3617% | 918 |
| Return on assets (ROA) | 1.3617% | 967 |
| Pretax return on assets | 1.4311% | 1,359 |
| Return on Equity (ROE) | 9.3485% | 1,906 |
| Retained earnings to average equity (ytd only) | 2.0657% | 3,660 |
| Net charge-offs to loans | 0.0443% | 6,663 |
| Credit loss provision to net charge-offs | 200.0000% | 1,948 |
| Earnings coverage of net charge-offs (x) | 76.2000% | 356 |
| Efficiency ratio | 61.1224% | 6,315 |
| Assets per employee ($millions) | 2.7102% | 6,835 |
| Cash dividends to net income (ytd only)* | 77.9037% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0536% | 6,115 |
| Loan loss allowance to noncurrent loans | 554.5455% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.0812% | 7,295 |
| Noncurrent loans to loans | 0.1900% | 6,949 |
| Net loans and leases to total assets | 42.2736% | 7,236 |
| Net loans and leases to deposits | 49.4198% | 7,286 |
| Net loans and leases to core deposits | 54.5000% | 7,455 |
| Total domestic deposits to total assets | 85.5398% | 3,270 |
| Equity capital to assets | 14.1466% | 1,121 |
| Core capital (leverage) ratio | 14.3093% | 925 |
| Tier 1 risk-based capital ratio | 27.3784% | 678 |
| Total risk-based capital ratio | 28.2537% | 688 |
| Memoranda: | ||
| Average total assets | $25,924,200 | 7,613 |
| Average earning assets | $23,858,800 | 7,589 |
| Average equity | $3,776,000 | 7,360 |
| Average total loans | $11,287,000 | 7,645 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7604% | 3,060 |
| Cost of funding earning assets | 2.0292% | 3,222 |
| Net interest margin | 3.7312% | 3,941 |
| Noninterest income to average assets | 0.3225% | 5,899 |
| Noninterest expense to average assets | 2.2838% | 6,742 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.4722% | 871 |
| Return on assets (ROA) | 1.4722% | 932 |
| Pretax return on assets | 1.5398% | 1,302 |
| Return on Equity (ROE) | 10.0311% | 1,900 |
| Retained earnings to average equity (ytd only) | 0.9924% | 4,757 |
| Net charge-offs to loans | -0.1070% | 7,927 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7279% | 6,453 |
| Assets per employee ($millions) | 2.5727% | 7,104 |
| Cash dividends to net income (ytd only)* | 90.1065% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0823% | 5,828 |
| Loan loss allowance to noncurrent loans | 62.3762% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 0.7852% | 5,549 |
| Noncurrent loans to loans | 1.7351% | 4,031 |
| Net loans and leases to total assets | 44.7623% | 7,193 |
| Net loans and leases to deposits | 52.9520% | 7,264 |
| Net loans and leases to core deposits | 58.7102% | 7,443 |
| Total domestic deposits to total assets | 84.5338% | 3,460 |
| Equity capital to assets | 14.9143% | 1,027 |
| Core capital (leverage) ratio | 14.3883% | 984 |
| Tier 1 risk-based capital ratio | 27.5091% | 708 |
| Total risk-based capital ratio | 28.4295% | 715 |
| Memoranda: | ||
| Average total assets | $25,629,750 | 7,697 |
| Average earning assets | $24,048,750 | 7,651 |
| Average equity | $3,761,500 | 7,431 |
| Average total loans | $11,214,000 | 7,724 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7297% | 3,393 |
| Cost of funding earning assets | 2.0691% | 3,429 |
| Net interest margin | 3.6606% | 4,119 |
| Noninterest income to average assets | 0.3203% | 5,946 |
| Noninterest expense to average assets | 2.1877% | 7,086 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.4767% | 876 |
| Return on assets (ROA) | 1.4767% | 939 |
| Pretax return on assets | 1.5470% | 1,334 |
| Return on Equity (ROE) | 10.1169% | 1,982 |
| Retained earnings to average equity (ytd only) | -2.4623% | 5,853 |
| Net charge-offs to loans | -0.1626% | 8,012 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5774% | 6,751 |
| Assets per employee ($millions) | 2.6689% | 6,905 |
| Cash dividends to net income (ytd only)* | 124.3386% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1197% | 5,459 |
| Loan loss allowance to noncurrent loans | 71.5909% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 0.6594% | 5,764 |
| Noncurrent loans to loans | 1.5640% | 4,152 |
| Net loans and leases to total assets | 41.6913% | 7,469 |
| Net loans and leases to deposits | 48.5111% | 7,546 |
| Net loans and leases to core deposits | 53.7147% | 7,663 |
| Total domestic deposits to total assets | 85.9418% | 2,824 |
| Equity capital to assets | 13.6910% | 1,424 |
| Core capital (leverage) ratio | 14.2317% | 1,088 |
| Tier 1 risk-based capital ratio | 27.1351% | 770 |
| Total risk-based capital ratio | 28.0611% | 770 |
| Memoranda: | ||
| Average total assets | $25,597,330 | 7,769 |
| Average earning assets | $23,875,670 | 7,724 |
| Average equity | $3,736,330 | 7,499 |
| Average total loans | $11,071,330 | 7,810 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8390% | 3,097 |
| Cost of funding earning assets | 2.1000% | 3,647 |
| Net interest margin | 3.7390% | 3,718 |
| Noninterest income to average assets | 0.3353% | 5,773 |
| Noninterest expense to average assets | 2.2993% | 6,547 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4530% | 1,038 |
| Return on assets (ROA) | 1.4530% | 1,112 |
| Pretax return on assets | 1.5328% | 1,580 |
| Return on Equity (ROE) | 9.6360% | 2,477 |
| Retained earnings to average equity (ytd only) | -13.1304% | 7,332 |
| Net charge-offs to loans | -0.3279% | 8,079 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0000% | 6,402 |
| Assets per employee ($millions) | 2.5434% | 7,200 |
| Cash dividends to net income (ytd only)* | 236.2637% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1650% | 5,014 |
| Loan loss allowance to noncurrent loans | 76.8293% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 0.6448% | 5,553 |
| Noncurrent loans to loans | 1.5164% | 4,013 |
| Net loans and leases to total assets | 42.0264% | 7,464 |
| Net loans and leases to deposits | 50.3794% | 7,475 |
| Net loans and leases to core deposits | 55.6197% | 7,634 |
| Total domestic deposits to total assets | 83.4198% | 3,944 |
| Equity capital to assets | 14.4963% | 1,235 |
| Core capital (leverage) ratio | 14.5216% | 1,078 |
| Tier 1 risk-based capital ratio | 27.9960% | 754 |
| Total risk-based capital ratio | 28.9720% | 755 |
| Memoranda: | ||
| Average total assets | $25,051,500 | 7,826 |
| Average earning assets | $23,428,500 | 7,790 |
| Average equity | $3,777,500 | 7,529 |
| Average total loans | $10,980,500 | 7,865 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6054% | 2,462 |
| Cost of funding earning assets | 2.4854% | 4,283 |
| Net interest margin | 4.1200% | 2,626 |
| Noninterest income to average assets | 0.4257% | 5,254 |
| Noninterest expense to average assets | 2.3475% | 6,575 |
| Loan and lease loss provision to assets | 0.1011% | 6,091 |
| Net operating income to assets | 1.7996% | 556 |
| Return on assets (ROA) | 1.7996% | 532 |
| Pretax return on assets | 1.8754% | 805 |
| Return on Equity (ROE) | 11.7521% | 1,668 |
| Retained earnings to average equity (ytd only) | 5.4219% | 1,800 |
| Net charge-offs to loans | 0.1477% | 4,730 |
| Credit loss provision to net charge-offs | 150.0000% | 3,499 |
| Earnings coverage of net charge-offs (x) | 29.3125% | 1,186 |
| Efficiency ratio | 54.2885% | 7,238 |
| Assets per employee ($millions) | 2.4669% | 7,262 |
| Cash dividends to net income (ytd only)* | 53.8642% | 2,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0497% | 5,632 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 44.7079% | 7,423 |
| Net loans and leases to deposits | 53.3214% | 7,471 |
| Net loans and leases to core deposits | 58.6743% | 7,644 |
| Total domestic deposits to total assets | 83.8461% | 3,399 |
| Equity capital to assets | 15.6796% | 1,003 |
| Core capital (leverage) ratio | 15.3015% | 961 |
| Tier 1 risk-based capital ratio | 28.6634% | 724 |
| Total risk-based capital ratio | 29.5606% | 728 |
| Memoranda: | ||
| Average total assets | $23,727,800 | 7,885 |
| Average earning assets | $22,451,400 | 7,842 |
| Average equity | $3,633,400 | 7,638 |
| Average total loans | $10,834,400 | 7,900 |