Home > Union State Bank > Performance and Condition Ratios
Union State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8333% | 789 |
| Cost of funding earning assets | 0.8774% | 3,568 |
| Net interest margin | 4.9559% | 335 |
| Noninterest income to average assets | 0.7800% | 987 |
| Noninterest expense to average assets | 3.7233% | 455 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.3964% | 1,223 |
| Return on assets (ROA) | 1.3964% | 1,198 |
| Pretax return on assets | 1.4222% | 1,588 |
| Return on Equity (ROE) | 20.8900% | 541 |
| Retained earnings to average equity (ytd only) | 12.8281% | 525 |
| Net charge-offs to loans | 0.0271% | 1,777 |
| Credit loss provision to net charge-offs | 500.0000% | 667 |
| Earnings coverage of net charge-offs (x) | 83.0833% | 1,001 |
| Efficiency ratio | 71.1014% | 1,749 |
| Assets per employee ($millions) | 5.6678% | 3,102 |
| Cash dividends to net income (ytd only)* | 38.5870% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0729% | 2,970 |
| Loan loss allowance to noncurrent loans | 232.7103% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 0.3146% | 1,688 |
| Noncurrent loans to loans | 0.4610% | 1,628 |
| Net loans and leases to total assets | 67.5100% | 2,089 |
| Net loans and leases to deposits | 74.3170% | 2,593 |
| Net loans and leases to core deposits | 81.1806% | 2,640 |
| Total domestic deposits to total assets | 90.8500% | 542 |
| Equity capital to assets | 7.3294% | 3,802 |
| Core capital (leverage) ratio | 8.5786% | 4,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4442% | 1,705 |
| Memoranda: | ||
| Average total assets | $65,882,200 | 4,152 |
| Average earning assets | $59,262,800 | 4,149 |
| Average equity | $4,404,400 | 4,314 |
| Average total loans | $44,309,800 | 3,928 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6764% | 823 |
| Cost of funding earning assets | 0.8008% | 3,512 |
| Net interest margin | 4.8755% | 371 |
| Noninterest income to average assets | 0.7400% | 1,065 |
| Noninterest expense to average assets | 3.6072% | 495 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.3935% | 1,335 |
| Return on assets (ROA) | 1.3935% | 1,320 |
| Pretax return on assets | 1.4180% | 1,739 |
| Return on Equity (ROE) | 21.3800% | 605 |
| Retained earnings to average equity (ytd only) | 16.5283% | 422 |
| Net charge-offs to loans | 0.0335% | 1,415 |
| Credit loss provision to net charge-offs | 409.0909% | 710 |
| Earnings coverage of net charge-offs (x) | 67.2727% | 1,138 |
| Efficiency ratio | 70.4944% | 1,733 |
| Assets per employee ($millions) | 6.0740% | 2,684 |
| Cash dividends to net income (ytd only)* | 22.6940% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0934% | 2,896 |
| Loan loss allowance to noncurrent loans | 208.6207% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 0.3472% | 1,643 |
| Noncurrent loans to loans | 0.5241% | 1,509 |
| Net loans and leases to total assets | 65.5300% | 2,285 |
| Net loans and leases to deposits | 71.3960% | 2,749 |
| Net loans and leases to core deposits | 75.8963% | 2,872 |
| Total domestic deposits to total assets | 91.7800% | 499 |
| Equity capital to assets | 6.4941% | 3,834 |
| Core capital (leverage) ratio | 8.8652% | 3,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2899% | 1,798 |
| Memoranda: | ||
| Average total assets | $65,349,250 | 4,176 |
| Average earning assets | $58,604,250 | 4,175 |
| Average equity | $4,259,250 | 4,338 |
| Average total loans | $43,783,000 | 3,948 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5256% | 800 |
| Cost of funding earning assets | 0.7176% | 3,435 |
| Net interest margin | 4.8080% | 401 |
| Noninterest income to average assets | 0.7100% | 1,093 |
| Noninterest expense to average assets | 3.5430% | 515 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.3937% | 1,352 |
| Return on assets (ROA) | 1.3937% | 1,327 |
| Pretax return on assets | 1.4123% | 1,780 |
| Return on Equity (ROE) | 21.3600% | 592 |
| Retained earnings to average equity (ytd only) | 16.6325% | 415 |
| Net charge-offs to loans | 0.0183% | 1,539 |
| Credit loss provision to net charge-offs | 750.0000% | 497 |
| Earnings coverage of net charge-offs (x) | 122.0000% | 836 |
| Efficiency ratio | 70.1894% | 1,749 |
| Assets per employee ($millions) | 5.8055% | 2,878 |
| Cash dividends to net income (ytd only)* | 22.1239% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0607% | 3,137 |
| Loan loss allowance to noncurrent loans | 215.3846% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 0.3461% | 1,527 |
| Noncurrent loans to loans | 0.4925% | 1,480 |
| Net loans and leases to total assets | 69.5300% | 1,794 |
| Net loans and leases to deposits | 75.9095% | 2,321 |
| Net loans and leases to core deposits | 80.2766% | 2,449 |
| Total domestic deposits to total assets | 91.5900% | 488 |
| Equity capital to assets | 6.9151% | 3,835 |
| Core capital (leverage) ratio | 8.7918% | 3,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1859% | 1,822 |
| Memoranda: | ||
| Average total assets | $64,861,000 | 4,196 |
| Average earning assets | $58,527,667 | 4,193 |
| Average equity | $4,232,667 | 4,368 |
| Average total loans | $43,622,667 | 3,962 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3225% | 806 |
| Cost of funding earning assets | 0.6178% | 3,328 |
| Net interest margin | 4.7047% | 437 |
| Noninterest income to average assets | 0.7600% | 945 |
| Noninterest expense to average assets | 3.5434% | 511 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.3708% | 1,486 |
| Return on assets (ROA) | 1.3708% | 1,456 |
| Pretax return on assets | 1.3708% | 1,960 |
| Return on Equity (ROE) | 21.6400% | 611 |
| Retained earnings to average equity (ytd only) | 16.8075% | 610 |
| Net charge-offs to loans | -0.0093% | 3,827 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.7824% | 1,668 |
| Assets per employee ($millions) | 5.8112% | 2,926 |
| Cash dividends to net income (ytd only)* | 22.3214% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0653% | 3,231 |
| Loan loss allowance to noncurrent loans | 789.8305% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.0923% | 2,888 |
| Noncurrent loans to loans | 0.1349% | 2,832 |
| Net loans and leases to total assets | 67.7000% | 1,868 |
| Net loans and leases to deposits | 73.8742% | 2,302 |
| Net loans and leases to core deposits | 78.3408% | 2,366 |
| Total domestic deposits to total assets | 91.6400% | 614 |
| Equity capital to assets | 6.7519% | 3,938 |
| Core capital (leverage) ratio | 8.4625% | 4,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9834% | 1,632 |
| Memoranda: | ||
| Average total assets | $65,361,500 | 4,250 |
| Average earning assets | $58,920,000 | 4,248 |
| Average equity | $4,141,000 | 4,442 |
| Average total loans | $42,995,500 | 4,017 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5493% | 661 |
| Cost of funding earning assets | 0.3854% | 2,218 |
| Net interest margin | 4.1638% | 588 |
| Noninterest income to average assets | 0.7900% | 1,028 |
| Noninterest expense to average assets | 3.3312% | 601 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 1.0816% | 2,253 |
| Return on assets (ROA) | 1.0816% | 2,196 |
| Pretax return on assets | 1.1271% | 2,681 |
| Return on Equity (ROE) | 17.0100% | 861 |
| Retained earnings to average equity (ytd only) | 11.0571% | 871 |
| Net charge-offs to loans | 0.0579% | 1,072 |
| Credit loss provision to net charge-offs | 395.8333% | 783 |
| Earnings coverage of net charge-offs (x) | 34.9583% | 1,588 |
| Efficiency ratio | 72.3831% | 1,399 |
| Assets per employee ($millions) | 4.1750% | 4,212 |
| Cash dividends to net income (ytd only)* | 35.0140% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0249% | 3,226 |
| Loan loss allowance to noncurrent loans | 746.5517% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.0868% | 2,941 |
| Noncurrent loans to loans | 0.1373% | 2,827 |
| Net loans and leases to total assets | 62.6000% | 2,371 |
| Net loans and leases to deposits | 67.6969% | 2,751 |
| Net loans and leases to core deposits | 75.0786% | 2,492 |
| Total domestic deposits to total assets | 92.4700% | 532 |
| Equity capital to assets | 5.9371% | 4,113 |
| Core capital (leverage) ratio | 7.8127% | 4,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7859% | 2,058 |
| Memoranda: | ||
| Average total assets | $66,012,800 | 4,266 |
| Average earning assets | $60,449,200 | 4,256 |
| Average equity | $4,196,400 | 4,512 |
| Average total loans | $41,486,200 | 4,040 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3667% | 626 |
| Cost of funding earning assets | 0.3554% | 1,660 |
| Net interest margin | 4.0113% | 631 |
| Noninterest income to average assets | 0.8100% | 1,010 |
| Noninterest expense to average assets | 3.2190% | 671 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.0696% | 2,212 |
| Return on assets (ROA) | 1.0696% | 2,171 |
| Pretax return on assets | 1.1182% | 2,665 |
| Return on Equity (ROE) | 16.5500% | 884 |
| Retained earnings to average equity (ytd only) | 11.8474% | 827 |
| Net charge-offs to loans | -0.0032% | 3,372 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.7058% | 1,556 |
| Assets per employee ($millions) | 4.0791% | 4,283 |
| Cash dividends to net income (ytd only)* | 28.4091% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0544% | 3,227 |
| Loan loss allowance to noncurrent loans | 1,095.0000% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.0613% | 3,275 |
| Noncurrent loans to loans | 0.0963% | 3,187 |
| Net loans and leases to total assets | 62.9800% | 2,193 |
| Net loans and leases to deposits | 68.1117% | 2,526 |
| Net loans and leases to core deposits | 73.8873% | 2,357 |
| Total domestic deposits to total assets | 92.4600% | 728 |
| Equity capital to assets | 5.7366% | 4,061 |
| Core capital (leverage) ratio | 7.8574% | 4,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7015% | 2,174 |
| Memoranda: | ||
| Average total assets | $65,816,000 | 4,302 |
| Average earning assets | $60,394,500 | 4,290 |
| Average equity | $4,254,000 | 4,548 |
| Average total loans | $41,295,750 | 4,063 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1956% | 639 |
| Cost of funding earning assets | 0.3488% | 1,270 |
| Net interest margin | 3.8468% | 680 |
| Noninterest income to average assets | 0.8000% | 1,043 |
| Noninterest expense to average assets | 3.1364% | 689 |
| Loan and lease loss provision to assets | 0.1515% | 628 |
| Net operating income to assets | 1.0030% | 2,145 |
| Return on assets (ROA) | 1.0030% | 2,118 |
| Pretax return on assets | 1.0546% | 2,554 |
| Return on Equity (ROE) | 14.9638% | 904 |
| Retained earnings to average equity (ytd only) | 10.4430% | 917 |
| Net charge-offs to loans | -0.0437% | 4,185 |
| Credit loss provision to net charge-offs | -555.5556% | 3,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2261% | 1,717 |
| Assets per employee ($millions) | 4.1551% | 4,288 |
| Cash dividends to net income (ytd only)* | 30.2115% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0216% | 3,507 |
| Loan loss allowance to noncurrent loans | 1,451.7241% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.0436% | 3,549 |
| Noncurrent loans to loans | 0.0704% | 3,449 |
| Net loans and leases to total assets | 61.3504% | 2,185 |
| Net loans and leases to deposits | 66.5573% | 2,504 |
| Net loans and leases to core deposits | 69.0650% | 2,561 |
| Total domestic deposits to total assets | 92.1768% | 772 |
| Equity capital to assets | 6.0332% | 4,190 |
| Core capital (leverage) ratio | 7.6531% | 4,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4611% | 2,299 |
| Memoranda: | ||
| Average total assets | $65,999,667 | 4,340 |
| Average earning assets | $60,778,000 | 4,341 |
| Average equity | $4,424,000 | 4,576 |
| Average total loans | $41,214,333 | 4,116 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8909% | 938 |
| Cost of funding earning assets | 0.3412% | 1,277 |
| Net interest margin | 3.5497% | 984 |
| Noninterest income to average assets | 0.7543% | 1,162 |
| Noninterest expense to average assets | 3.2057% | 599 |
| Loan and lease loss provision to assets | 0.1825% | 416 |
| Net operating income to assets | 0.6265% | 3,311 |
| Return on assets (ROA) | 0.6265% | 3,290 |
| Pretax return on assets | 0.6569% | 3,502 |
| Return on Equity (ROE) | 8.8975% | 2,356 |
| Retained earnings to average equity (ytd only) | 4.5783% | 2,747 |
| Net charge-offs to loans | -0.0776% | 4,392 |
| Credit loss provision to net charge-offs | -375.0000% | 3,076 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2481% | 1,205 |
| Assets per employee ($millions) | 4.4246% | 4,178 |
| Cash dividends to net income (ytd only)* | 48.5437% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9563% | 3,889 |
| Loan loss allowance to noncurrent loans | 60.9756% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 0.9884% | 516 |
| Noncurrent loans to loans | 1.5683% | 511 |
| Net loans and leases to total assets | 62.4207% | 1,803 |
| Net loans and leases to deposits | 68.7899% | 2,070 |
| Net loans and leases to core deposits | 71.4251% | 2,164 |
| Total domestic deposits to total assets | 90.7412% | 1,162 |
| Equity capital to assets | 6.5844% | 4,393 |
| Core capital (leverage) ratio | 7.5247% | 4,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2928% | 2,484 |
| Memoranda: | ||
| Average total assets | $65,758,500 | 4,364 |
| Average earning assets | $60,962,500 | 4,357 |
| Average equity | $4,630,500 | 4,601 |
| Average total loans | $41,217,500 | 4,140 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4624% | 634 |
| Cost of funding earning assets | 0.3673% | 1,785 |
| Net interest margin | 4.0950% | 604 |
| Noninterest income to average assets | 0.9388% | 1,118 |
| Noninterest expense to average assets | 3.5065% | 468 |
| Loan and lease loss provision to assets | 0.0404% | 2,234 |
| Net operating income to assets | 1.1295% | 2,171 |
| Return on assets (ROA) | 1.1295% | 2,228 |
| Pretax return on assets | 1.1570% | 2,797 |
| Return on Equity (ROE) | 14.2735% | 1,110 |
| Retained earnings to average equity (ytd only) | 6.9223% | 1,947 |
| Net charge-offs to loans | 0.0310% | 1,617 |
| Credit loss provision to net charge-offs | 208.3333% | 1,287 |
| Earnings coverage of net charge-offs (x) | 61.7500% | 1,156 |
| Efficiency ratio | 74.5448% | 1,249 |
| Assets per employee ($millions) | 4.0718% | 4,402 |
| Cash dividends to net income (ytd only)* | 51.5021% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8915% | 4,082 |
| Loan loss allowance to noncurrent loans | 55.2672% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 1.0054% | 553 |
| Noncurrent loans to loans | 1.6130% | 536 |
| Net loans and leases to total assets | 61.7747% | 1,971 |
| Net loans and leases to deposits | 68.8879% | 2,234 |
| Net loans and leases to core deposits | 74.0015% | 2,076 |
| Total domestic deposits to total assets | 89.6743% | 1,126 |
| Equity capital to assets | 7.5075% | 4,586 |
| Core capital (leverage) ratio | 7.6580% | 4,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4422% | 2,480 |
| Memoranda: | ||
| Average total assets | $61,885,600 | 4,428 |
| Average earning assets | $56,898,000 | 4,429 |
| Average equity | $4,897,200 | 4,639 |
| Average total loans | $38,755,800 | 4,217 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7271% | 465 |
| Cost of funding earning assets | 0.3723% | 1,916 |
| Net interest margin | 4.3549% | 402 |
| Noninterest income to average assets | 0.8405% | 1,412 |
| Noninterest expense to average assets | 3.3534% | 574 |
| Loan and lease loss provision to assets | 0.0442% | 2,111 |
| Net operating income to assets | 1.4016% | 1,539 |
| Return on assets (ROA) | 1.4016% | 1,599 |
| Pretax return on assets | 1.4278% | 2,222 |
| Return on Equity (ROE) | 17.4734% | 694 |
| Retained earnings to average equity (ytd only) | 14.2074% | 486 |
| Net charge-offs to loans | 0.0383% | 1,320 |
| Credit loss provision to net charge-offs | 181.8182% | 1,253 |
| Earnings coverage of net charge-offs (x) | 61.2727% | 1,126 |
| Efficiency ratio | 69.5023% | 1,653 |
| Assets per employee ($millions) | 3.8694% | 4,517 |
| Cash dividends to net income (ytd only)* | 18.6916% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9260% | 4,082 |
| Loan loss allowance to noncurrent loans | 57.1885% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 1.0111% | 649 |
| Noncurrent loans to loans | 1.6192% | 634 |
| Net loans and leases to total assets | 61.8678% | 2,021 |
| Net loans and leases to deposits | 70.2189% | 2,219 |
| Net loans and leases to core deposits | 72.4969% | 2,382 |
| Total domestic deposits to total assets | 88.1071% | 1,772 |
| Equity capital to assets | 8.2489% | 4,386 |
| Core capital (leverage) ratio | 8.0450% | 4,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8109% | 2,042 |
| Memoranda: | ||
| Average total assets | $61,070,000 | 4,502 |
| Average earning assets | $55,874,750 | 4,498 |
| Average equity | $4,898,750 | 4,710 |
| Average total loans | $38,293,000 | 4,287 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0754% | 303 |
| Cost of funding earning assets | 0.3738% | 2,098 |
| Net interest margin | 4.7016% | 263 |
| Noninterest income to average assets | 0.8258% | 1,465 |
| Noninterest expense to average assets | 3.3493% | 579 |
| Loan and lease loss provision to assets | 0.0494% | 2,044 |
| Net operating income to assets | 1.7075% | 860 |
| Return on assets (ROA) | 1.7075% | 914 |
| Pretax return on assets | 1.7306% | 1,407 |
| Return on Equity (ROE) | 21.4936% | 350 |
| Retained earnings to average equity (ytd only) | 18.1806% | 215 |
| Net charge-offs to loans | 0.0576% | 1,035 |
| Credit loss provision to net charge-offs | 136.3636% | 1,201 |
| Earnings coverage of net charge-offs (x) | 49.1818% | 1,077 |
| Efficiency ratio | 65.2983% | 2,254 |
| Assets per employee ($millions) | 3.8989% | 4,497 |
| Cash dividends to net income (ytd only)* | 15.4143% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9274% | 4,072 |
| Loan loss allowance to noncurrent loans | 56.3898% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 1.0035% | 750 |
| Noncurrent loans to loans | 1.6446% | 655 |
| Net loans and leases to total assets | 60.4533% | 2,371 |
| Net loans and leases to deposits | 68.5847% | 2,559 |
| Net loans and leases to core deposits | 71.1185% | 2,678 |
| Total domestic deposits to total assets | 88.1440% | 1,750 |
| Equity capital to assets | 8.0648% | 4,494 |
| Core capital (leverage) ratio | 7.9455% | 4,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6289% | 2,111 |
| Memoranda: | ||
| Average total assets | $60,789,667 | 4,530 |
| Average earning assets | $55,641,000 | 4,529 |
| Average equity | $4,829,333 | 4,744 |
| Average total loans | $38,170,333 | 4,321 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7216% | 146 |
| Cost of funding earning assets | 0.3649% | 2,403 |
| Net interest margin | 5.3567% | 123 |
| Noninterest income to average assets | 0.7734% | 1,653 |
| Noninterest expense to average assets | 3.3870% | 531 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.2802% | 370 |
| Return on assets (ROA) | 2.2802% | 398 |
| Pretax return on assets | 2.2802% | 604 |
| Return on Equity (ROE) | 28.9310% | 159 |
| Retained earnings to average equity (ytd only) | 25.9702% | 119 |
| Net charge-offs to loans | -0.0209% | 4,017 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7647% | 3,061 |
| Assets per employee ($millions) | 3.8727% | 4,551 |
| Cash dividends to net income (ytd only)* | 10.2339% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9190% | 4,102 |
| Loan loss allowance to noncurrent loans | 2,700.0000% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.0210% | 4,224 |
| Noncurrent loans to loans | 0.0340% | 4,112 |
| Net loans and leases to total assets | 61.0703% | 2,395 |
| Net loans and leases to deposits | 69.3021% | 2,570 |
| Net loans and leases to core deposits | 71.8741% | 2,712 |
| Total domestic deposits to total assets | 88.1219% | 1,779 |
| Equity capital to assets | 7.8030% | 4,592 |
| Core capital (leverage) ratio | 8.1637% | 4,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9541% | 2,303 |
| Memoranda: | ||
| Average total assets | $59,993,500 | 4,556 |
| Average earning assets | $54,809,500 | 4,550 |
| Average equity | $4,728,500 | 4,771 |
| Average total loans | $38,223,000 | 4,336 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1011% | 411 |
| Cost of funding earning assets | 0.4585% | 3,231 |
| Net interest margin | 4.6426% | 244 |
| Noninterest income to average assets | 0.8810% | 1,313 |
| Noninterest expense to average assets | 4.0810% | 352 |
| Loan and lease loss provision to assets | 0.0931% | 3,188 |
| Net operating income to assets | 0.9071% | 2,663 |
| Return on assets (ROA) | 0.9071% | 2,800 |
| Pretax return on assets | 0.9313% | 3,281 |
| Return on Equity (ROE) | 10.7496% | 1,725 |
| Retained earnings to average equity (ytd only) | 5.3417% | 2,120 |
| Net charge-offs to loans | 0.3203% | 556 |
| Credit loss provision to net charge-offs | 40.3226% | 3,186 |
| Earnings coverage of net charge-offs (x) | 4.4355% | 2,983 |
| Efficiency ratio | 79.9343% | 897 |
| Assets per employee ($millions) | 3.6265% | 4,593 |
| Cash dividends to net income (ytd only)* | 50.3080% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9123% | 4,154 |
| Loan loss allowance to noncurrent loans | 1,745.0000% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.0345% | 4,187 |
| Noncurrent loans to loans | 0.0523% | 4,083 |
| Net loans and leases to total assets | 65.3264% | 2,181 |
| Net loans and leases to deposits | 74.6676% | 2,414 |
| Net loans and leases to core deposits | 79.9228% | 2,369 |
| Total domestic deposits to total assets | 87.4897% | 1,710 |
| Equity capital to assets | 7.9657% | 4,722 |
| Core capital (leverage) ratio | 7.8454% | 4,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5057% | 2,447 |
| Memoranda: | ||
| Average total assets | $53,687,600 | 4,603 |
| Average earning assets | $48,852,200 | 4,605 |
| Average equity | $4,530,400 | 4,800 |
| Average total loans | $38,713,000 | 4,336 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3295% | 331 |
| Cost of funding earning assets | 0.4718% | 3,413 |
| Net interest margin | 4.8577% | 179 |
| Noninterest income to average assets | 0.8998% | 1,223 |
| Noninterest expense to average assets | 4.0858% | 355 |
| Loan and lease loss provision to assets | 0.1274% | 2,757 |
| Net operating income to assets | 1.0747% | 2,067 |
| Return on assets (ROA) | 1.0747% | 2,196 |
| Pretax return on assets | 1.0975% | 2,754 |
| Return on Equity (ROE) | 12.5417% | 1,235 |
| Retained earnings to average equity (ytd only) | 8.9922% | 980 |
| Net charge-offs to loans | 0.4258% | 373 |
| Credit loss provision to net charge-offs | 40.3226% | 2,923 |
| Earnings coverage of net charge-offs (x) | 3.8952% | 2,870 |
| Efficiency ratio | 76.9451% | 1,125 |
| Assets per employee ($millions) | 3.5023% | 4,658 |
| Cash dividends to net income (ytd only)* | 28.3019% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8846% | 4,119 |
| Loan loss allowance to noncurrent loans | 63.3394% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 0.9833% | 1,137 |
| Noncurrent loans to loans | 1.3966% | 1,040 |
| Net loans and leases to total assets | 69.7855% | 1,985 |
| Net loans and leases to deposits | 81.8816% | 2,110 |
| Net loans and leases to core deposits | 85.3560% | 2,356 |
| Total domestic deposits to total assets | 85.2274% | 2,350 |
| Equity capital to assets | 8.3446% | 4,547 |
| Core capital (leverage) ratio | 8.2201% | 4,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5016% | 2,002 |
| Memoranda: | ||
| Average total assets | $52,603,500 | 4,639 |
| Average earning assets | $47,757,750 | 4,640 |
| Average equity | $4,507,500 | 4,828 |
| Average total loans | $38,827,750 | 4,360 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5607% | 304 |
| Cost of funding earning assets | 0.4876% | 3,607 |
| Net interest margin | 5.0731% | 175 |
| Noninterest income to average assets | 0.8861% | 1,203 |
| Noninterest expense to average assets | 4.1159% | 361 |
| Loan and lease loss provision to assets | 0.1360% | 2,657 |
| Net operating income to assets | 1.2437% | 1,512 |
| Return on assets (ROA) | 1.2437% | 1,629 |
| Pretax return on assets | 1.2437% | 2,205 |
| Return on Equity (ROE) | 14.3777% | 812 |
| Retained earnings to average equity (ytd only) | 10.7833% | 641 |
| Net charge-offs to loans | 0.5593% | 285 |
| Credit loss provision to net charge-offs | 32.4074% | 2,695 |
| Earnings coverage of net charge-offs (x) | 3.2870% | 2,690 |
| Efficiency ratio | 74.8939% | 1,380 |
| Assets per employee ($millions) | 3.4118% | 4,702 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8731% | 4,114 |
| Loan loss allowance to noncurrent loans | 61.0820% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 1.0497% | 1,118 |
| Noncurrent loans to loans | 1.4294% | 1,077 |
| Net loans and leases to total assets | 72.7962% | 1,583 |
| Net loans and leases to deposits | 86.4227% | 1,720 |
| Net loans and leases to core deposits | 90.2296% | 2,059 |
| Total domestic deposits to total assets | 84.2328% | 2,673 |
| Equity capital to assets | 8.4579% | 4,503 |
| Core capital (leverage) ratio | 8.5189% | 4,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0650% | 2,585 |
| Memoranda: | ||
| Average total assets | $51,459,333 | 4,668 |
| Average earning assets | $46,756,667 | 4,677 |
| Average equity | $4,451,333 | 4,858 |
| Average total loans | $38,619,000 | 4,373 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4220% | 444 |
| Cost of funding earning assets | 0.5236% | 3,832 |
| Net interest margin | 4.8984% | 232 |
| Noninterest income to average assets | 0.9540% | 945 |
| Noninterest expense to average assets | 4.2008% | 417 |
| Loan and lease loss provision to assets | 0.2004% | 1,516 |
| Net operating income to assets | 0.9781% | 2,255 |
| Return on assets (ROA) | 0.9781% | 2,356 |
| Pretax return on assets | 0.9781% | 2,907 |
| Return on Equity (ROE) | 11.1709% | 1,366 |
| Retained earnings to average equity (ytd only) | 7.9661% | 1,241 |
| Net charge-offs to loans | 1.0875% | 140 |
| Credit loss provision to net charge-offs | 24.2718% | 2,181 |
| Earnings coverage of net charge-offs (x) | 1.4272% | 2,389 |
| Efficiency ratio | 78.0924% | 1,319 |
| Assets per employee ($millions) | 3.1161% | 4,742 |
| Cash dividends to net income (ytd only)* | 28.6885% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9143% | 4,062 |
| Loan loss allowance to noncurrent loans | 1,326.9231% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.0521% | 4,333 |
| Noncurrent loans to loans | 0.0689% | 4,254 |
| Net loans and leases to total assets | 74.9870% | 1,461 |
| Net loans and leases to deposits | 88.3081% | 1,725 |
| Net loans and leases to core deposits | 91.9616% | 2,162 |
| Total domestic deposits to total assets | 84.9152% | 2,440 |
| Equity capital to assets | 8.7348% | 4,717 |
| Core capital (leverage) ratio | 8.8206% | 4,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0980% | 1,872 |
| Memoranda: | ||
| Average total assets | $49,895,000 | 4,712 |
| Average earning assets | $45,075,500 | 4,720 |
| Average equity | $4,368,500 | 4,906 |
| Average total loans | $37,884,500 | 4,416 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5926% | 483 |
| Cost of funding earning assets | 0.5551% | 3,849 |
| Net interest margin | 5.0375% | 248 |
| Noninterest income to average assets | 0.9240% | 1,132 |
| Noninterest expense to average assets | 4.2357% | 408 |
| Loan and lease loss provision to assets | 0.2589% | 696 |
| Net operating income to assets | 0.9160% | 3,143 |
| Return on assets (ROA) | 0.9160% | 3,221 |
| Pretax return on assets | 0.9658% | 3,555 |
| Return on Equity (ROE) | 10.6481% | 2,027 |
| Retained earnings to average equity (ytd only) | 4.9769% | 2,432 |
| Net charge-offs to loans | 0.1804% | 1,115 |
| Credit loss provision to net charge-offs | 188.4058% | 1,402 |
| Earnings coverage of net charge-offs (x) | 8.9130% | 2,720 |
| Efficiency ratio | 77.5711% | 1,197 |
| Assets per employee ($millions) | 3.1208% | 4,756 |
| Cash dividends to net income (ytd only)* | 53.2609% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1121% | 2,877 |
| Loan loss allowance to noncurrent loans | 180.0000% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.4706% | 2,523 |
| Noncurrent loans to loans | 0.6178% | 2,343 |
| Net loans and leases to total assets | 75.3304% | 1,533 |
| Net loans and leases to deposits | 89.1665% | 1,679 |
| Net loans and leases to core deposits | 95.5907% | 1,935 |
| Total domestic deposits to total assets | 84.4829% | 2,691 |
| Equity capital to assets | 8.7759% | 4,794 |
| Core capital (leverage) ratio | 8.5477% | 4,818 |
| Tier 1 risk-based capital ratio | 11.6340% | 4,561 |
| Total risk-based capital ratio | 12.7721% | 4,499 |
| Memoranda: | ||
| Average total assets | $50,215,600 | 4,742 |
| Average earning assets | $45,220,800 | 4,761 |
| Average equity | $4,320,000 | 4,960 |
| Average total loans | $38,245,800 | 4,442 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6189% | 474 |
| Cost of funding earning assets | 0.5578% | 3,885 |
| Net interest margin | 5.0612% | 254 |
| Noninterest income to average assets | 0.8034% | 1,408 |
| Noninterest expense to average assets | 4.1892% | 418 |
| Loan and lease loss provision to assets | 0.1061% | 1,823 |
| Net operating income to assets | 1.0022% | 2,972 |
| Return on assets (ROA) | 1.0022% | 3,051 |
| Pretax return on assets | 1.0553% | 3,429 |
| Return on Equity (ROE) | 11.7084% | 1,714 |
| Retained earnings to average equity (ytd only) | 7.9914% | 1,395 |
| Net charge-offs to loans | 0.0418% | 2,260 |
| Credit loss provision to net charge-offs | 333.3333% | 884 |
| Earnings coverage of net charge-offs (x) | 36.4994% | 1,451 |
| Efficiency ratio | 78.2953% | 1,068 |
| Assets per employee ($millions) | 3.0897% | 4,846 |
| Cash dividends to net income (ytd only)* | 31.7467% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0228% | 3,444 |
| Loan loss allowance to noncurrent loans | 95.5882% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 0.8415% | 1,636 |
| Noncurrent loans to loans | 1.0700% | 1,488 |
| Net loans and leases to total assets | 76.3427% | 1,425 |
| Net loans and leases to deposits | 91.7110% | 1,475 |
| Net loans and leases to core deposits | 96.6998% | 1,945 |
| Total domestic deposits to total assets | 83.2426% | 3,085 |
| Equity capital to assets | 8.9633% | 4,803 |
| Core capital (leverage) ratio | 8.7839% | 4,788 |
| Tier 1 risk-based capital ratio | 12.2294% | 4,293 |
| Total risk-based capital ratio | 13.3216% | 4,276 |
| Memoranda: | ||
| Average total assets | $50,286,500 | 4,808 |
| Average earning assets | $45,179,500 | 4,834 |
| Average equity | $4,304,500 | 5,033 |
| Average total loans | $38,298,000 | 4,500 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5095% | 561 |
| Cost of funding earning assets | 0.5435% | 3,913 |
| Net interest margin | 4.9660% | 307 |
| Noninterest income to average assets | 0.8898% | 1,095 |
| Noninterest expense to average assets | 4.0894% | 482 |
| Loan and lease loss provision to assets | 0.0989% | 1,892 |
| Net operating income to assets | 1.1271% | 2,415 |
| Return on assets (ROA) | 1.1271% | 2,491 |
| Pretax return on assets | 1.1825% | 2,965 |
| Return on Equity (ROE) | 13.3730% | 1,131 |
| Retained earnings to average equity (ytd only) | 9.6192% | 874 |
| Net charge-offs to loans | 0.0417% | 2,064 |
| Credit loss provision to net charge-offs | 312.5000% | 872 |
| Earnings coverage of net charge-offs (x) | 40.5000% | 1,237 |
| Efficiency ratio | 76.1414% | 1,382 |
| Assets per employee ($millions) | 3.1510% | 4,807 |
| Cash dividends to net income (ytd only)* | 28.0702% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9814% | 3,733 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2975% | 3,356 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 75.8509% | 1,573 |
| Net loans and leases to deposits | 91.0110% | 1,628 |
| Net loans and leases to core deposits | 97.1743% | 1,959 |
| Total domestic deposits to total assets | 83.3426% | 3,095 |
| Equity capital to assets | 8.6957% | 4,958 |
| Core capital (leverage) ratio | 8.4983% | 4,966 |
| Tier 1 risk-based capital ratio | 9.5215% | 5,275 |
| Total risk-based capital ratio | 10.3580% | 5,285 |
| Memoranda: | ||
| Average total assets | $50,570,330 | 4,838 |
| Average earning assets | $45,630,330 | 4,859 |
| Average equity | $4,262,330 | 5,075 |
| Average total loans | $38,354,000 | 4,538 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4293% | 590 |
| Cost of funding earning assets | 0.5508% | 3,822 |
| Net interest margin | 4.8785% | 349 |
| Noninterest income to average assets | 1.1531% | 605 |
| Noninterest expense to average assets | 3.9410% | 576 |
| Loan and lease loss provision to assets | 0.1185% | 1,481 |
| Net operating income to assets | 1.4769% | 1,160 |
| Return on assets (ROA) | 1.4769% | 1,185 |
| Pretax return on assets | 1.5006% | 1,766 |
| Return on Equity (ROE) | 17.8032% | 417 |
| Retained earnings to average equity (ytd only) | 14.4710% | 316 |
| Net charge-offs to loans | 0.0523% | 1,539 |
| Credit loss provision to net charge-offs | 300.0000% | 819 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 1,137 |
| Efficiency ratio | 70.8807% | 2,207 |
| Assets per employee ($millions) | 3.1661% | 4,858 |
| Cash dividends to net income (ytd only)* | 18.7166% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 3,715 |
| Loan loss allowance to noncurrent loans | 249.6644% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.9870% | 1,417 |
| Noncurrent loans to loans | 0.4002% | 3,153 |
| Net loans and leases to total assets | 72.7644% | 2,029 |
| Net loans and leases to deposits | 87.4810% | 1,942 |
| Net loans and leases to core deposits | 91.6370% | 2,333 |
| Total domestic deposits to total assets | 83.1774% | 3,319 |
| Equity capital to assets | 8.4804% | 4,997 |
| Core capital (leverage) ratio | 8.4984% | 5,014 |
| Tier 1 risk-based capital ratio | 9.7851% | 5,310 |
| Total risk-based capital ratio | 10.6393% | 5,327 |
| Memoranda: | ||
| Average total assets | $50,647,500 | 4,889 |
| Average earning assets | $45,752,000 | 4,905 |
| Average equity | $4,201,500 | 5,126 |
| Average total loans | $38,221,000 | 4,589 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3138% | 567 |
| Cost of funding earning assets | 0.4315% | 3,792 |
| Net interest margin | 4.8823% | 330 |
| Noninterest income to average assets | 0.7136% | 1,796 |
| Noninterest expense to average assets | 3.9687% | 557 |
| Loan and lease loss provision to assets | 0.2053% | 917 |
| Net operating income to assets | 0.9306% | 3,328 |
| Return on assets (ROA) | 0.9306% | 3,317 |
| Pretax return on assets | 0.9638% | 3,718 |
| Return on Equity (ROE) | 11.6667% | 1,836 |
| Retained earnings to average equity (ytd only) | 4.6814% | 2,945 |
| Net charge-offs to loans | 0.1682% | 1,143 |
| Credit loss provision to net charge-offs | 166.6667% | 1,664 |
| Earnings coverage of net charge-offs (x) | 9.4921% | 2,807 |
| Efficiency ratio | 77.2451% | 1,207 |
| Assets per employee ($millions) | 3.1648% | 4,871 |
| Cash dividends to net income (ytd only)* | 59.8739% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9233% | 4,074 |
| Loan loss allowance to noncurrent loans | 205.6818% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.7011% | 1,975 |
| Noncurrent loans to loans | 0.4489% | 2,929 |
| Net loans and leases to total assets | 76.7166% | 1,484 |
| Net loans and leases to deposits | 91.2308% | 1,641 |
| Net loans and leases to core deposits | 100.5071% | 1,680 |
| Total domestic deposits to total assets | 84.0907% | 2,975 |
| Equity capital to assets | 8.1107% | 5,123 |
| Core capital (leverage) ratio | 7.8911% | 5,270 |
| Tier 1 risk-based capital ratio | 9.1918% | 5,379 |
| Total risk-based capital ratio | 10.0016% | 5,386 |
| Memoranda: | ||
| Average total assets | $51,150,200 | 4,911 |
| Average earning assets | $46,351,200 | 4,927 |
| Average equity | $4,080,000 | 5,168 |
| Average total loans | $37,445,800 | 4,624 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2223% | 606 |
| Cost of funding earning assets | 0.4158% | 3,750 |
| Net interest margin | 4.8064% | 373 |
| Noninterest income to average assets | 0.7176% | 1,797 |
| Noninterest expense to average assets | 3.8170% | 654 |
| Loan and lease loss provision to assets | 0.1950% | 904 |
| Net operating income to assets | 1.0297% | 2,967 |
| Return on assets (ROA) | 1.0297% | 2,978 |
| Pretax return on assets | 1.0634% | 3,525 |
| Return on Equity (ROE) | 12.9624% | 1,447 |
| Retained earnings to average equity (ytd only) | 8.5433% | 1,401 |
| Net charge-offs to loans | 0.1802% | 928 |
| Credit loss provision to net charge-offs | 150.0000% | 1,705 |
| Earnings coverage of net charge-offs (x) | 9.6793% | 2,629 |
| Efficiency ratio | 75.2049% | 1,436 |
| Assets per employee ($millions) | 3.3626% | 4,717 |
| Cash dividends to net income (ytd only)* | 34.0916% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9005% | 4,259 |
| Loan loss allowance to noncurrent loans | 148.0687% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 0.8168% | 1,814 |
| Noncurrent loans to loans | 0.6082% | 2,560 |
| Net loans and leases to total assets | 75.2691% | 1,766 |
| Net loans and leases to deposits | 90.6129% | 1,810 |
| Net loans and leases to core deposits | 97.8202% | 1,948 |
| Total domestic deposits to total assets | 83.0667% | 3,286 |
| Equity capital to assets | 8.2040% | 5,083 |
| Core capital (leverage) ratio | 8.3182% | 5,196 |
| Tier 1 risk-based capital ratio | 9.5919% | 5,433 |
| Total risk-based capital ratio | 10.3838% | 5,447 |
| Memoranda: | ||
| Average total assets | $51,278,500 | 4,964 |
| Average earning assets | $46,492,000 | 4,976 |
| Average equity | $4,073,250 | 5,235 |
| Average total loans | $37,005,000 | 4,683 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0939% | 671 |
| Cost of funding earning assets | 0.4014% | 3,712 |
| Net interest margin | 4.6925% | 444 |
| Noninterest income to average assets | 0.7293% | 1,744 |
| Noninterest expense to average assets | 3.7084% | 745 |
| Loan and lease loss provision to assets | 0.0970% | 1,996 |
| Net operating income to assets | 1.1560% | 2,370 |
| Return on assets (ROA) | 1.1560% | 2,370 |
| Pretax return on assets | 1.1870% | 2,986 |
| Return on Equity (ROE) | 14.7100% | 914 |
| Retained earnings to average equity (ytd only) | 10.0206% | 921 |
| Net charge-offs to loans | 0.1313% | 1,135 |
| Credit loss provision to net charge-offs | 104.1667% | 1,960 |
| Earnings coverage of net charge-offs (x) | 13.7917% | 2,132 |
| Efficiency ratio | 74.2813% | 1,667 |
| Assets per employee ($millions) | 3.1648% | 4,962 |
| Cash dividends to net income (ytd only)* | 31.8792% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8697% | 4,473 |
| Loan loss allowance to noncurrent loans | 377.6471% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.5925% | 2,449 |
| Noncurrent loans to loans | 0.2303% | 3,890 |
| Net loans and leases to total assets | 72.2535% | 2,233 |
| Net loans and leases to deposits | 85.7180% | 2,347 |
| Net loans and leases to core deposits | 90.7596% | 2,507 |
| Total domestic deposits to total assets | 84.2921% | 2,962 |
| Equity capital to assets | 8.1304% | 5,180 |
| Core capital (leverage) ratio | 8.0690% | 5,324 |
| Tier 1 risk-based capital ratio | 9.9845% | 5,433 |
| Total risk-based capital ratio | 11.5400% | 5,265 |
| Memoranda: | ||
| Average total assets | $51,558,330 | 5,022 |
| Average earning assets | $46,840,330 | 5,025 |
| Average equity | $4,051,670 | 5,291 |
| Average total loans | $36,570,000 | 4,733 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9286% | 822 |
| Cost of funding earning assets | 0.4037% | 3,549 |
| Net interest margin | 4.5249% | 586 |
| Noninterest income to average assets | 0.6767% | 1,925 |
| Noninterest expense to average assets | 3.6679% | 804 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1457% | 2,238 |
| Return on assets (ROA) | 1.1457% | 2,248 |
| Pretax return on assets | 1.1457% | 2,981 |
| Return on Equity (ROE) | 14.8296% | 830 |
| Retained earnings to average equity (ytd only) | 10.8485% | 929 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1981% | 1,566 |
| Assets per employee ($millions) | 3.4631% | 4,703 |
| Cash dividends to net income (ytd only)* | 26.8456% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8802% | 4,529 |
| Loan loss allowance to noncurrent loans | 88.3978% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 0.7258% | 2,141 |
| Noncurrent loans to loans | 0.9957% | 1,834 |
| Net loans and leases to total assets | 69.3701% | 2,581 |
| Net loans and leases to deposits | 82.0581% | 2,585 |
| Net loans and leases to core deposits | 86.7394% | 2,744 |
| Total domestic deposits to total assets | 84.5378% | 3,107 |
| Equity capital to assets | 7.7812% | 5,342 |
| Core capital (leverage) ratio | 7.7992% | 5,443 |
| Tier 1 risk-based capital ratio | 9.9945% | 5,505 |
| Total risk-based capital ratio | 10.7885% | 5,538 |
| Memoranda: | ||
| Average total assets | $52,019,000 | 5,077 |
| Average earning assets | $47,559,500 | 5,072 |
| Average equity | $4,019,000 | 5,351 |
| Average total loans | $36,401,000 | 4,792 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9067% | 783 |
| Cost of funding earning assets | 0.4318% | 2,944 |
| Net interest margin | 4.4749% | 652 |
| Noninterest income to average assets | 0.7695% | 1,697 |
| Noninterest expense to average assets | 3.7337% | 753 |
| Loan and lease loss provision to assets | 0.0897% | 2,395 |
| Net operating income to assets | 0.9389% | 2,498 |
| Return on assets (ROA) | 0.9389% | 2,540 |
| Pretax return on assets | 0.9748% | 3,659 |
| Return on Equity (ROE) | 11.8795% | 1,243 |
| Retained earnings to average equity (ytd only) | 4.6913% | 2,327 |
| Net charge-offs to loans | 0.1532% | 1,577 |
| Credit loss provision to net charge-offs | 84.9057% | 2,869 |
| Earnings coverage of net charge-offs (x) | 10.0755% | 2,716 |
| Efficiency ratio | 77.8147% | 1,380 |
| Assets per employee ($millions) | 3.7209% | 4,402 |
| Cash dividends to net income (ytd only)* | 60.5096% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8780% | 4,566 |
| Loan loss allowance to noncurrent loans | 74.0741% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 0.8581% | 1,815 |
| Noncurrent loans to loans | 1.1853% | 1,500 |
| Net loans and leases to total assets | 69.3523% | 2,623 |
| Net loans and leases to deposits | 82.4027% | 2,681 |
| Net loans and leases to core deposits | 90.8855% | 2,476 |
| Total domestic deposits to total assets | 84.1626% | 3,139 |
| Equity capital to assets | 7.6710% | 5,496 |
| Core capital (leverage) ratio | 7.6667% | 5,526 |
| Tier 1 risk-based capital ratio | 9.7436% | 5,576 |
| Total risk-based capital ratio | 10.5394% | 5,607 |
| Memoranda: | ||
| Average total assets | $50,164,800 | 5,155 |
| Average earning assets | $45,162,800 | 5,167 |
| Average equity | $3,964,800 | 5,425 |
| Average total loans | $34,593,200 | 4,882 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8742% | 801 |
| Cost of funding earning assets | 0.4366% | 2,844 |
| Net interest margin | 4.4376% | 680 |
| Noninterest income to average assets | 0.7702% | 1,701 |
| Noninterest expense to average assets | 3.6631% | 800 |
| Loan and lease loss provision to assets | 0.1073% | 1,979 |
| Net operating income to assets | 0.9473% | 2,793 |
| Return on assets (ROA) | 0.9473% | 2,856 |
| Pretax return on assets | 0.9822% | 3,754 |
| Return on Equity (ROE) | 11.8941% | 1,367 |
| Retained earnings to average equity (ytd only) | 6.6715% | 1,863 |
| Net charge-offs to loans | 0.0352% | 2,731 |
| Credit loss provision to net charge-offs | 444.4444% | 711 |
| Earnings coverage of net charge-offs (x) | 45.1100% | 1,197 |
| Efficiency ratio | 77.0751% | 1,450 |
| Assets per employee ($millions) | 3.0485% | 5,221 |
| Cash dividends to net income (ytd only)* | 43.9095% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0342% | 3,881 |
| Loan loss allowance to noncurrent loans | 77.2043% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 1.1481% | 1,441 |
| Noncurrent loans to loans | 1.3396% | 1,418 |
| Net loans and leases to total assets | 70.4301% | 2,496 |
| Net loans and leases to deposits | 85.5084% | 2,363 |
| Net loans and leases to core deposits | 89.9835% | 2,611 |
| Total domestic deposits to total assets | 82.3663% | 3,666 |
| Equity capital to assets | 8.3340% | 5,377 |
| Core capital (leverage) ratio | 8.0302% | 5,507 |
| Tier 1 risk-based capital ratio | 10.0862% | 5,578 |
| Total risk-based capital ratio | 11.0076% | 5,614 |
| Memoranda: | ||
| Average total assets | $49,683,000 | 5,221 |
| Average earning assets | $44,587,250 | 5,235 |
| Average equity | $3,957,000 | 5,484 |
| Average total loans | $34,129,750 | 4,949 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7859% | 883 |
| Cost of funding earning assets | 0.4214% | 2,878 |
| Net interest margin | 4.3646% | 747 |
| Noninterest income to average assets | 0.7442% | 1,793 |
| Noninterest expense to average assets | 3.5690% | 908 |
| Loan and lease loss provision to assets | 0.0600% | 2,763 |
| Net operating income to assets | 1.0163% | 2,350 |
| Return on assets (ROA) | 1.0163% | 2,390 |
| Pretax return on assets | 1.0523% | 3,363 |
| Return on Equity (ROE) | 12.9559% | 1,045 |
| Retained earnings to average equity (ytd only) | 7.0900% | 1,552 |
| Net charge-offs to loans | 0.0354% | 2,487 |
| Credit loss provision to net charge-offs | 250.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 46.3333% | 1,137 |
| Efficiency ratio | 76.2393% | 1,681 |
| Assets per employee ($millions) | 3.1157% | 5,175 |
| Cash dividends to net income (ytd only)* | 45.2756% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9834% | 4,251 |
| Loan loss allowance to noncurrent loans | 71.2474% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 0.9488% | 1,852 |
| Noncurrent loans to loans | 1.3802% | 1,404 |
| Net loans and leases to total assets | 68.0688% | 2,811 |
| Net loans and leases to deposits | 81.7229% | 2,727 |
| Net loans and leases to core deposits | 91.1908% | 2,406 |
| Total domestic deposits to total assets | 83.2922% | 3,471 |
| Equity capital to assets | 8.0921% | 5,494 |
| Core capital (leverage) ratio | 7.6809% | 5,613 |
| Tier 1 risk-based capital ratio | 9.9676% | 5,636 |
| Total risk-based capital ratio | 10.8353% | 5,682 |
| Memoranda: | ||
| Average total assets | $49,985,330 | 5,248 |
| Average earning assets | $45,090,330 | 5,260 |
| Average equity | $3,921,000 | 5,533 |
| Average total loans | $33,935,670 | 4,984 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6490% | 1,031 |
| Cost of funding earning assets | 0.4066% | 2,930 |
| Net interest margin | 4.2424% | 900 |
| Noninterest income to average assets | 0.7832% | 1,613 |
| Noninterest expense to average assets | 3.5722% | 935 |
| Loan and lease loss provision to assets | 0.0799% | 2,212 |
| Net operating income to assets | 0.9670% | 2,449 |
| Return on assets (ROA) | 0.9670% | 2,500 |
| Pretax return on assets | 0.9670% | 3,507 |
| Return on Equity (ROE) | 12.5243% | 1,105 |
| Retained earnings to average equity (ytd only) | 8.3840% | 1,314 |
| Net charge-offs to loans | 0.0355% | 2,078 |
| Credit loss provision to net charge-offs | 333.3333% | 732 |
| Earnings coverage of net charge-offs (x) | 43.6667% | 974 |
| Efficiency ratio | 77.3356% | 1,715 |
| Assets per employee ($millions) | 3.3602% | 4,977 |
| Cash dividends to net income (ytd only)* | 33.0579% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0122% | 4,203 |
| Loan loss allowance to noncurrent loans | 69.7917% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 0.9523% | 1,930 |
| Noncurrent loans to loans | 1.4504% | 1,389 |
| Net loans and leases to total assets | 64.9961% | 3,118 |
| Net loans and leases to deposits | 77.9128% | 2,977 |
| Net loans and leases to core deposits | 87.1810% | 2,621 |
| Total domestic deposits to total assets | 83.4216% | 3,688 |
| Equity capital to assets | 7.7495% | 5,613 |
| Core capital (leverage) ratio | 7.6788% | 5,667 |
| Tier 1 risk-based capital ratio | 10.3219% | 5,614 |
| Total risk-based capital ratio | 11.2260% | 5,674 |
| Memoranda: | ||
| Average total assets | $50,052,500 | 5,306 |
| Average earning assets | $45,257,000 | 5,307 |
| Average equity | $3,864,500 | 5,598 |
| Average total loans | $33,768,500 | 5,034 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8121% | 868 |
| Cost of funding earning assets | 0.4239% | 2,768 |
| Net interest margin | 4.3882% | 797 |
| Noninterest income to average assets | 0.8711% | 1,508 |
| Noninterest expense to average assets | 3.7676% | 808 |
| Loan and lease loss provision to assets | 0.1004% | 2,371 |
| Net operating income to assets | 0.9053% | 2,791 |
| Return on assets (ROA) | 0.9053% | 2,907 |
| Pretax return on assets | 0.9514% | 3,653 |
| Return on Equity (ROE) | 11.5831% | 1,370 |
| Retained earnings to average equity (ytd only) | 4.2634% | 2,875 |
| Net charge-offs to loans | 0.1203% | 2,053 |
| Credit loss provision to net charge-offs | 121.9512% | 2,179 |
| Earnings coverage of net charge-offs (x) | 12.7805% | 2,421 |
| Efficiency ratio | 78.1758% | 1,669 |
| Assets per employee ($millions) | 3.1064% | 5,258 |
| Cash dividends to net income (ytd only)* | 63.1929% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9523% | 4,567 |
| Loan loss allowance to noncurrent loans | 139.5745% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 0.4728% | 3,365 |
| Noncurrent loans to loans | 0.6823% | 2,827 |
| Net loans and leases to total assets | 68.6371% | 2,678 |
| Net loans and leases to deposits | 82.2579% | 2,638 |
| Net loans and leases to core deposits | 96.2259% | 1,904 |
| Total domestic deposits to total assets | 83.4413% | 3,619 |
| Equity capital to assets | 7.6918% | 5,667 |
| Core capital (leverage) ratio | 7.5072% | 5,748 |
| Tier 1 risk-based capital ratio | 10.3437% | 5,641 |
| Total risk-based capital ratio | 11.2528% | 5,695 |
| Memoranda: | ||
| Average total assets | $49,819,600 | 5,348 |
| Average earning assets | $44,824,400 | 5,358 |
| Average equity | $3,893,600 | 5,655 |
| Average total loans | $34,075,000 | 5,066 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7976% | 902 |
| Cost of funding earning assets | 0.4134% | 2,896 |
| Net interest margin | 4.3842% | 799 |
| Noninterest income to average assets | 0.8987% | 1,409 |
| Noninterest expense to average assets | 3.6991% | 845 |
| Loan and lease loss provision to assets | 0.1070% | 2,144 |
| Net operating income to assets | 0.9843% | 2,501 |
| Return on assets (ROA) | 0.9843% | 2,639 |
| Pretax return on assets | 1.0351% | 3,497 |
| Return on Equity (ROE) | 12.5446% | 1,160 |
| Retained earnings to average equity (ytd only) | 7.2609% | 1,496 |
| Net charge-offs to loans | 0.1491% | 1,504 |
| Credit loss provision to net charge-offs | 105.2632% | 2,280 |
| Earnings coverage of net charge-offs (x) | 11.2358% | 2,509 |
| Efficiency ratio | 76.4088% | 1,919 |
| Assets per employee ($millions) | 3.0268% | 5,371 |
| Cash dividends to net income (ytd only)* | 42.1196% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9401% | 4,705 |
| Loan loss allowance to noncurrent loans | 131.5574% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 0.5100% | 3,413 |
| Noncurrent loans to loans | 0.7146% | 2,891 |
| Net loans and leases to total assets | 69.8418% | 2,509 |
| Net loans and leases to deposits | 86.3625% | 2,226 |
| Net loans and leases to core deposits | 98.4601% | 1,771 |
| Total domestic deposits to total assets | 80.8706% | 4,277 |
| Equity capital to assets | 8.3258% | 5,616 |
| Core capital (leverage) ratio | 7.6998% | 5,788 |
| Tier 1 risk-based capital ratio | 10.5319% | 5,602 |
| Total risk-based capital ratio | 11.4263% | 5,683 |
| Memoranda: | ||
| Average total assets | $49,849,000 | 5,402 |
| Average earning assets | $44,826,500 | 5,418 |
| Average equity | $3,911,250 | 5,715 |
| Average total loans | $33,983,250 | 5,116 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7241% | 996 |
| Cost of funding earning assets | 0.4069% | 2,969 |
| Net interest margin | 4.3172% | 890 |
| Noninterest income to average assets | 0.7750% | 1,826 |
| Noninterest expense to average assets | 3.4696% | 1,223 |
| Loan and lease loss provision to assets | 0.1192% | 1,911 |
| Net operating income to assets | 1.0095% | 2,349 |
| Return on assets (ROA) | 1.0095% | 2,483 |
| Pretax return on assets | 1.0651% | 3,343 |
| Return on Equity (ROE) | 13.1232% | 1,001 |
| Retained earnings to average equity (ytd only) | 7.1816% | 1,519 |
| Net charge-offs to loans | 0.2004% | 1,146 |
| Credit loss provision to net charge-offs | 88.2353% | 2,266 |
| Earnings coverage of net charge-offs (x) | 8.7647% | 2,489 |
| Efficiency ratio | 74.5517% | 2,279 |
| Assets per employee ($millions) | 3.2052% | 5,198 |
| Cash dividends to net income (ytd only)* | 45.2756% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9156% | 4,903 |
| Loan loss allowance to noncurrent loans | 205.8824% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.6961% | 2,893 |
| Noncurrent loans to loans | 0.4447% | 3,776 |
| Net loans and leases to total assets | 66.4723% | 3,013 |
| Net loans and leases to deposits | 81.0813% | 2,807 |
| Net loans and leases to core deposits | 90.3762% | 2,501 |
| Total domestic deposits to total assets | 81.9823% | 4,006 |
| Equity capital to assets | 7.7823% | 5,864 |
| Core capital (leverage) ratio | 7.2891% | 5,913 |
| Tier 1 risk-based capital ratio | 10.4053% | 5,716 |
| Total risk-based capital ratio | 11.2899% | 5,790 |
| Memoranda: | ||
| Average total assets | $50,322,670 | 5,453 |
| Average earning assets | $45,215,000 | 5,476 |
| Average equity | $3,871,000 | 5,784 |
| Average total loans | $33,929,670 | 5,174 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6446% | 1,154 |
| Cost of funding earning assets | 0.4142% | 2,908 |
| Net interest margin | 4.2303% | 1,037 |
| Noninterest income to average assets | 0.7704% | 1,731 |
| Noninterest expense to average assets | 3.3947% | 1,389 |
| Loan and lease loss provision to assets | 0.0803% | 2,353 |
| Net operating income to assets | 1.1155% | 1,848 |
| Return on assets (ROA) | 1.1155% | 1,947 |
| Pretax return on assets | 1.1476% | 2,899 |
| Return on Equity (ROE) | 14.5893% | 730 |
| Retained earnings to average equity (ytd only) | 10.3910% | 766 |
| Net charge-offs to loans | -0.2018% | 5,853 |
| Credit loss provision to net charge-offs | -58.8235% | 4,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4375% | 2,570 |
| Assets per employee ($millions) | 3.2111% | 5,262 |
| Cash dividends to net income (ytd only)* | 28.7770% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0160% | 4,514 |
| Loan loss allowance to noncurrent loans | 79.5402% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 0.8525% | 2,557 |
| Noncurrent loans to loans | 1.2773% | 1,891 |
| Net loans and leases to total assets | 65.6130% | 3,008 |
| Net loans and leases to deposits | 76.6363% | 3,150 |
| Net loans and leases to core deposits | 87.4676% | 2,616 |
| Total domestic deposits to total assets | 85.6161% | 2,854 |
| Equity capital to assets | 7.5851% | 5,930 |
| Core capital (leverage) ratio | 7.3560% | 5,953 |
| Tier 1 risk-based capital ratio | 10.5699% | 5,719 |
| Total risk-based capital ratio | 11.5677% | 5,746 |
| Memoranda: | ||
| Average total assets | $49,842,500 | 5,517 |
| Average earning assets | $45,386,500 | 5,512 |
| Average equity | $3,811,000 | 5,841 |
| Average total loans | $33,692,500 | 5,222 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6252% | 1,274 |
| Cost of funding earning assets | 0.4333% | 2,812 |
| Net interest margin | 4.1918% | 1,186 |
| Noninterest income to average assets | 0.9226% | 1,372 |
| Noninterest expense to average assets | 3.7332% | 936 |
| Loan and lease loss provision to assets | 0.1070% | 2,203 |
| Net operating income to assets | 0.9230% | 2,741 |
| Return on assets (ROA) | 0.9354% | 2,766 |
| Pretax return on assets | 0.9676% | 3,589 |
| Return on Equity (ROE) | 11.8057% | 1,353 |
| Retained earnings to average equity (ytd only) | 4.2414% | 2,970 |
| Net charge-offs to loans | 0.0761% | 2,738 |
| Credit loss provision to net charge-offs | 208.3333% | 1,347 |
| Earnings coverage of net charge-offs (x) | 20.6667% | 1,863 |
| Efficiency ratio | 77.8571% | 1,991 |
| Assets per employee ($millions) | 3.2205% | 5,272 |
| Cash dividends to net income (ytd only)* | 64.0732% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9571% | 4,828 |
| Loan loss allowance to noncurrent loans | 87.1585% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 0.7638% | 2,774 |
| Noncurrent loans to loans | 1.0981% | 2,142 |
| Net loans and leases to total assets | 68.3324% | 2,651 |
| Net loans and leases to deposits | 81.0539% | 2,703 |
| Net loans and leases to core deposits | 90.4607% | 2,370 |
| Total domestic deposits to total assets | 84.3049% | 3,363 |
| Equity capital to assets | 7.7109% | 5,942 |
| Core capital (leverage) ratio | 7.3110% | 6,010 |
| Tier 1 risk-based capital ratio | 10.3404% | 5,845 |
| Total risk-based capital ratio | 11.2654% | 5,896 |
| Memoranda: | ||
| Average total assets | $46,715,800 | 5,616 |
| Average earning assets | $43,155,200 | 5,604 |
| Average equity | $3,701,600 | 5,901 |
| Average total loans | $31,544,200 | 5,307 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6124% | 1,300 |
| Cost of funding earning assets | 0.4292% | 2,914 |
| Net interest margin | 4.1832% | 1,203 |
| Noninterest income to average assets | 0.9212% | 1,398 |
| Noninterest expense to average assets | 3.6184% | 1,088 |
| Loan and lease loss provision to assets | 0.0288% | 3,663 |
| Net operating income to assets | 1.1145% | 1,944 |
| Return on assets (ROA) | 1.1313% | 1,964 |
| Pretax return on assets | 1.1630% | 2,955 |
| Return on Equity (ROE) | 14.1782% | 867 |
| Retained earnings to average equity (ytd only) | 8.7666% | 986 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4955% | 2,320 |
| Assets per employee ($millions) | 2.9111% | 5,641 |
| Cash dividends to net income (ytd only)* | 38.1687% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9517% | 4,973 |
| Loan loss allowance to noncurrent loans | 182.5301% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.3628% | 4,317 |
| Noncurrent loans to loans | 0.5214% | 3,791 |
| Net loans and leases to total assets | 67.7051% | 2,728 |
| Net loans and leases to deposits | 83.3047% | 2,486 |
| Net loans and leases to core deposits | 86.2885% | 2,821 |
| Total domestic deposits to total assets | 81.2740% | 4,403 |
| Equity capital to assets | 8.1435% | 5,903 |
| Core capital (leverage) ratio | 7.8088% | 5,976 |
| Tier 1 risk-based capital ratio | 11.1396% | 5,586 |
| Total risk-based capital ratio | 12.0638% | 5,679 |
| Memoranda: | ||
| Average total assets | $46,317,750 | 5,700 |
| Average earning assets | $42,868,750 | 5,681 |
| Average equity | $3,695,750 | 5,982 |
| Average total loans | $31,098,000 | 5,381 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5090% | 1,503 |
| Cost of funding earning assets | 0.4310% | 2,925 |
| Net interest margin | 4.0781% | 1,419 |
| Noninterest income to average assets | 0.9215% | 1,384 |
| Noninterest expense to average assets | 3.5733% | 1,175 |
| Loan and lease loss provision to assets | 0.0216% | 3,698 |
| Net operating income to assets | 1.0996% | 1,958 |
| Return on assets (ROA) | 1.1248% | 1,946 |
| Pretax return on assets | 1.1594% | 2,941 |
| Return on Equity (ROE) | 14.1947% | 864 |
| Retained earnings to average equity (ytd only) | 8.1893% | 1,193 |
| Net charge-offs to loans | -0.0130% | 5,007 |
| Credit loss provision to net charge-offs | -250.0000% | 5,065 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5718% | 2,440 |
| Assets per employee ($millions) | 2.8519% | 5,765 |
| Cash dividends to net income (ytd only)* | 42.3077% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9644% | 5,033 |
| Loan loss allowance to noncurrent loans | 140.8451% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 0.4734% | 4,040 |
| Noncurrent loans to loans | 0.6847% | 3,433 |
| Net loans and leases to total assets | 67.5192% | 2,713 |
| Net loans and leases to deposits | 83.4774% | 2,384 |
| Net loans and leases to core deposits | 86.5446% | 2,707 |
| Total domestic deposits to total assets | 80.8832% | 4,641 |
| Equity capital to assets | 7.9882% | 5,987 |
| Core capital (leverage) ratio | 7.4854% | 6,102 |
| Tier 1 risk-based capital ratio | 10.9626% | 5,730 |
| Total risk-based capital ratio | 11.8866% | 5,812 |
| Memoranda: | ||
| Average total assets | $46,231,330 | 5,762 |
| Average earning assets | $43,157,670 | 5,732 |
| Average equity | $3,663,330 | 6,047 |
| Average total loans | $30,851,330 | 5,440 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3882% | 1,807 |
| Cost of funding earning assets | 0.4205% | 3,071 |
| Net interest margin | 3.9677% | 1,662 |
| Noninterest income to average assets | 0.9198% | 1,328 |
| Noninterest expense to average assets | 3.4987% | 1,315 |
| Loan and lease loss provision to assets | 0.0430% | 3,054 |
| Net operating income to assets | 1.1089% | 1,841 |
| Return on assets (ROA) | 1.1605% | 1,770 |
| Pretax return on assets | 1.1605% | 2,835 |
| Return on Equity (ROE) | 14.7039% | 751 |
| Retained earnings to average equity (ytd only) | 14.7039% | 309 |
| Net charge-offs to loans | 0.0130% | 2,923 |
| Credit loss provision to net charge-offs | 500.0000% | 534 |
| Earnings coverage of net charge-offs (x) | 134.0000% | 392 |
| Efficiency ratio | 75.2311% | 2,625 |
| Assets per employee ($millions) | 2.8539% | 5,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9828% | 5,118 |
| Loan loss allowance to noncurrent loans | 132.5893% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 0.4906% | 4,066 |
| Noncurrent loans to loans | 0.7412% | 3,404 |
| Net loans and leases to total assets | 65.5323% | 2,846 |
| Net loans and leases to deposits | 81.3064% | 2,407 |
| Net loans and leases to core deposits | 84.2977% | 2,734 |
| Total domestic deposits to total assets | 80.5992% | 4,917 |
| Equity capital to assets | 8.2145% | 5,931 |
| Core capital (leverage) ratio | 7.3460% | 6,188 |
| Tier 1 risk-based capital ratio | 10.8410% | 5,882 |
| Total risk-based capital ratio | 11.7824% | 5,939 |
| Memoranda: | ||
| Average total assets | $46,532,000 | 5,805 |
| Average earning assets | $43,753,500 | 5,762 |
| Average equity | $3,672,500 | 6,109 |
| Average total loans | $30,722,500 | 5,479 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4908% | 1,910 |
| Cost of funding earning assets | 0.4869% | 2,813 |
| Net interest margin | 4.0039% | 1,887 |
| Noninterest income to average assets | 1.0236% | 1,165 |
| Noninterest expense to average assets | 3.7733% | 1,027 |
| Loan and lease loss provision to assets | 0.0669% | 3,159 |
| Net operating income to assets | 0.8408% | 3,172 |
| Return on assets (ROA) | 0.8408% | 3,261 |
| Pretax return on assets | 0.8697% | 3,999 |
| Return on Equity (ROE) | 11.0447% | 1,715 |
| Retained earnings to average equity (ytd only) | 4.1601% | 3,235 |
| Net charge-offs to loans | 0.1591% | 2,444 |
| Credit loss provision to net charge-offs | 66.6667% | 3,140 |
| Earnings coverage of net charge-offs (x) | 9.3333% | 2,765 |
| Efficiency ratio | 80.1136% | 1,912 |
| Assets per employee ($millions) | 2.9626% | 5,748 |
| Cash dividends to net income (ytd only)* | 62.3342% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9384% | 5,341 |
| Loan loss allowance to noncurrent loans | 127.9476% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 0.4894% | 4,168 |
| Noncurrent loans to loans | 0.7334% | 3,487 |
| Net loans and leases to total assets | 65.2539% | 3,009 |
| Net loans and leases to deposits | 75.4194% | 3,265 |
| Net loans and leases to core deposits | 87.5984% | 2,541 |
| Total domestic deposits to total assets | 86.5214% | 2,562 |
| Equity capital to assets | 7.5821% | 6,212 |
| Core capital (leverage) ratio | 7.3767% | 6,242 |
| Tier 1 risk-based capital ratio | 9.2623% | 6,386 |
| Total risk-based capital ratio | 10.0584% | 6,417 |
| Memoranda: | ||
| Average total assets | $44,840,800 | 5,912 |
| Average earning assets | $41,284,800 | 5,888 |
| Average equity | $3,413,400 | 6,197 |
| Average total loans | $28,277,400 | 5,640 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4937% | 1,894 |
| Cost of funding earning assets | 0.4997% | 2,770 |
| Net interest margin | 3.9941% | 1,895 |
| Noninterest income to average assets | 1.0075% | 1,209 |
| Noninterest expense to average assets | 3.6167% | 1,265 |
| Loan and lease loss provision to assets | 0.0603% | 3,155 |
| Net operating income to assets | 0.9773% | 2,554 |
| Return on assets (ROA) | 0.9773% | 2,626 |
| Pretax return on assets | 0.9954% | 3,612 |
| Return on Equity (ROE) | 12.8254% | 1,258 |
| Retained earnings to average equity (ytd only) | 7.6794% | 1,500 |
| Net charge-offs to loans | 0.2082% | 1,803 |
| Credit loss provision to net charge-offs | 46.5116% | 3,165 |
| Earnings coverage of net charge-offs (x) | 8.1399% | 2,850 |
| Efficiency ratio | 77.4048% | 2,284 |
| Assets per employee ($millions) | 2.7431% | 6,034 |
| Cash dividends to net income (ytd only)* | 40.1236% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0017% | 5,211 |
| Loan loss allowance to noncurrent loans | 55.5556% | 4,939 |
| Noncurrent assets plus other real estate owned to assets | 1.2304% | 2,500 |
| Noncurrent loans to loans | 1.8030% | 1,792 |
| Net loans and leases to total assets | 64.1801% | 3,153 |
| Net loans and leases to deposits | 75.7571% | 3,204 |
| Net loans and leases to core deposits | 82.7984% | 3,026 |
| Total domestic deposits to total assets | 84.7183% | 3,449 |
| Equity capital to assets | 8.1615% | 6,034 |
| Core capital (leverage) ratio | 7.8890% | 6,139 |
| Tier 1 risk-based capital ratio | 10.1875% | 6,297 |
| Total risk-based capital ratio | 11.0264% | 6,364 |
| Memoranda: | ||
| Average total assets | $44,200,750 | 5,995 |
| Average earning assets | $40,559,250 | 5,979 |
| Average equity | $3,368,250 | 6,274 |
| Average total loans | $27,540,750 | 5,729 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4054% | 2,160 |
| Cost of funding earning assets | 0.5042% | 2,795 |
| Net interest margin | 3.9012% | 2,161 |
| Noninterest income to average assets | 0.9751% | 1,271 |
| Noninterest expense to average assets | 3.4940% | 1,485 |
| Loan and lease loss provision to assets | 0.0451% | 3,420 |
| Net operating income to assets | 1.0067% | 2,295 |
| Return on assets (ROA) | 1.0067% | 2,361 |
| Pretax return on assets | 1.0338% | 3,346 |
| Return on Equity (ROE) | 13.5274% | 1,048 |
| Retained earnings to average equity (ytd only) | 7.7646% | 1,405 |
| Net charge-offs to loans | 0.0147% | 3,942 |
| Credit loss provision to net charge-offs | 500.0000% | 577 |
| Earnings coverage of net charge-offs (x) | 119.5000% | 486 |
| Efficiency ratio | 76.4067% | 2,554 |
| Assets per employee ($millions) | 2.7164% | 6,118 |
| Cash dividends to net income (ytd only)* | 42.6009% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1436% | 4,692 |
| Loan loss allowance to noncurrent loans | 52.9313% | 5,060 |
| Noncurrent assets plus other real estate owned to assets | 1.3736% | 2,378 |
| Noncurrent loans to loans | 2.1605% | 1,533 |
| Net loans and leases to total assets | 62.8526% | 3,264 |
| Net loans and leases to deposits | 73.7480% | 3,352 |
| Net loans and leases to core deposits | 78.1938% | 3,420 |
| Total domestic deposits to total assets | 85.2262% | 3,395 |
| Equity capital to assets | 7.9242% | 6,190 |
| Core capital (leverage) ratio | 7.6121% | 6,270 |
| Tier 1 risk-based capital ratio | 10.2543% | 6,322 |
| Total risk-based capital ratio | 11.2088% | 6,368 |
| Memoranda: | ||
| Average total assets | $44,304,670 | 6,051 |
| Average earning assets | $40,859,330 | 6,025 |
| Average equity | $3,297,000 | 6,335 |
| Average total loans | $27,236,670 | 5,779 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3199% | 2,447 |
| Cost of funding earning assets | 0.5122% | 2,782 |
| Net interest margin | 3.8077% | 2,443 |
| Noninterest income to average assets | 0.9033% | 1,383 |
| Noninterest expense to average assets | 3.3269% | 1,887 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1000% | 1,814 |
| Return on assets (ROA) | 1.1000% | 1,875 |
| Pretax return on assets | 1.1000% | 2,895 |
| Return on Equity (ROE) | 15.2629% | 741 |
| Retained earnings to average equity (ytd only) | 10.9198% | 760 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1515% | 2,938 |
| Assets per employee ($millions) | 2.8243% | 6,079 |
| Cash dividends to net income (ytd only)* | 28.4553% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1564% | 4,837 |
| Loan loss allowance to noncurrent loans | 57.5701% | 4,931 |
| Noncurrent assets plus other real estate owned to assets | 1.1839% | 2,889 |
| Noncurrent loans to loans | 2.0087% | 1,856 |
| Net loans and leases to total assets | 58.2575% | 3,799 |
| Net loans and leases to deposits | 67.8156% | 3,876 |
| Net loans and leases to core deposits | 70.6435% | 4,019 |
| Total domestic deposits to total assets | 85.9059% | 3,412 |
| Equity capital to assets | 7.3845% | 6,351 |
| Core capital (leverage) ratio | 7.4832% | 6,344 |
| Tier 1 risk-based capital ratio | 10.3585% | 6,377 |
| Total risk-based capital ratio | 11.3094% | 6,433 |
| Memoranda: | ||
| Average total assets | $44,726,000 | 6,093 |
| Average earning assets | $41,390,000 | 6,073 |
| Average equity | $3,223,500 | 6,402 |
| Average total loans | $27,038,500 | 5,851 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5354% | 2,075 |
| Cost of funding earning assets | 0.6676% | 2,055 |
| Net interest margin | 3.8679% | 2,405 |
| Noninterest income to average assets | 0.9354% | 1,563 |
| Noninterest expense to average assets | 3.7095% | 1,273 |
| Loan and lease loss provision to assets | 0.0114% | 4,899 |
| Net operating income to assets | 0.7227% | 3,687 |
| Return on assets (ROA) | 0.7227% | 3,779 |
| Pretax return on assets | 0.7524% | 4,326 |
| Return on Equity (ROE) | 9.6855% | 2,240 |
| Retained earnings to average equity (ytd only) | 3.7087% | 3,579 |
| Net charge-offs to loans | 0.1148% | 3,666 |
| Credit loss provision to net charge-offs | 16.6667% | 4,505 |
| Earnings coverage of net charge-offs (x) | 11.1333% | 2,272 |
| Efficiency ratio | 82.9243% | 1,760 |
| Assets per employee ($millions) | 2.7664% | 6,152 |
| Cash dividends to net income (ytd only)* | 61.7089% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1223% | 5,037 |
| Loan loss allowance to noncurrent loans | 52.5597% | 5,152 |
| Noncurrent assets plus other real estate owned to assets | 1.3872% | 2,667 |
| Noncurrent loans to loans | 2.1353% | 1,840 |
| Net loans and leases to total assets | 61.3040% | 3,481 |
| Net loans and leases to deposits | 71.8484% | 3,536 |
| Net loans and leases to core deposits | 76.3549% | 3,572 |
| Total domestic deposits to total assets | 85.3241% | 3,582 |
| Equity capital to assets | 7.0262% | 6,452 |
| Core capital (leverage) ratio | 7.2056% | 6,472 |
| Tier 1 risk-based capital ratio | 9.9280% | 6,534 |
| Total risk-based capital ratio | 10.8670% | 6,569 |
| Memoranda: | ||
| Average total assets | $43,725,000 | 6,181 |
| Average earning assets | $39,996,200 | 6,171 |
| Average equity | $3,262,600 | 6,484 |
| Average total loans | $26,142,600 | 5,932 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5354% | 2,096 |
| Cost of funding earning assets | 0.6862% | 2,047 |
| Net interest margin | 3.8493% | 2,466 |
| Noninterest income to average assets | 0.9390% | 1,636 |
| Noninterest expense to average assets | 3.5634% | 1,472 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8626% | 3,037 |
| Return on assets (ROA) | 0.8626% | 3,146 |
| Pretax return on assets | 0.8931% | 3,918 |
| Return on Equity (ROE) | 11.3910% | 1,683 |
| Retained earnings to average equity (ytd only) | 6.9478% | 1,903 |
| Net charge-offs to loans | 0.1239% | 3,300 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 12.1663% | 2,166 |
| Efficiency ratio | 79.9588% | 2,104 |
| Assets per employee ($millions) | 2.7863% | 6,176 |
| Cash dividends to net income (ytd only)* | 39.0064% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1565% | 5,088 |
| Loan loss allowance to noncurrent loans | 56.1594% | 4,972 |
| Noncurrent assets plus other real estate owned to assets | 1.3010% | 3,053 |
| Noncurrent loans to loans | 2.0593% | 2,184 |
| Net loans and leases to total assets | 59.4325% | 3,790 |
| Net loans and leases to deposits | 69.8653% | 3,806 |
| Net loans and leases to core deposits | 74.2157% | 3,816 |
| Total domestic deposits to total assets | 85.0673% | 3,716 |
| Equity capital to assets | 7.1108% | 6,519 |
| Core capital (leverage) ratio | 7.4525% | 6,467 |
| Tier 1 risk-based capital ratio | 10.0536% | 6,586 |
| Total risk-based capital ratio | 10.9899% | 6,634 |
| Memoranda: | ||
| Average total assets | $43,590,500 | 6,255 |
| Average earning assets | $39,833,500 | 6,242 |
| Average equity | $3,300,750 | 6,548 |
| Average total loans | $25,817,500 | 5,997 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5286% | 2,093 |
| Cost of funding earning assets | 0.7119% | 1,985 |
| Net interest margin | 3.8167% | 2,489 |
| Noninterest income to average assets | 0.9477% | 1,668 |
| Noninterest expense to average assets | 3.5367% | 1,525 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8784% | 2,919 |
| Return on assets (ROA) | 0.8784% | 3,061 |
| Pretax return on assets | 0.9061% | 3,885 |
| Return on Equity (ROE) | 11.3625% | 1,699 |
| Retained earnings to average equity (ytd only) | 6.5783% | 2,105 |
| Net charge-offs to loans | 0.0942% | 3,422 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 16.3333% | 1,673 |
| Efficiency ratio | 79.6046% | 2,210 |
| Assets per employee ($millions) | 2.9440% | 5,942 |
| Cash dividends to net income (ytd only)* | 42.1053% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2121% | 4,922 |
| Loan loss allowance to noncurrent loans | 41.7639% | 5,549 |
| Noncurrent assets plus other real estate owned to assets | 1.9543% | 2,215 |
| Noncurrent loans to loans | 2.9023% | 1,549 |
| Net loans and leases to total assets | 59.4271% | 3,757 |
| Net loans and leases to deposits | 70.2173% | 3,692 |
| Net loans and leases to core deposits | 73.9677% | 3,815 |
| Total domestic deposits to total assets | 84.6332% | 4,068 |
| Equity capital to assets | 7.2509% | 6,525 |
| Core capital (leverage) ratio | 7.3242% | 6,521 |
| Tier 1 risk-based capital ratio | 9.4661% | 6,725 |
| Total risk-based capital ratio | 10.3996% | 6,747 |
| Memoranda: | ||
| Average total assets | $43,260,670 | 6,307 |
| Average earning assets | $39,615,000 | 6,294 |
| Average equity | $3,344,330 | 6,589 |
| Average total loans | $25,488,330 | 6,042 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4959% | 2,185 |
| Cost of funding earning assets | 0.7222% | 2,048 |
| Net interest margin | 3.7737% | 2,546 |
| Noninterest income to average assets | 0.9063% | 1,742 |
| Noninterest expense to average assets | 3.6813% | 1,276 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6914% | 3,735 |
| Return on assets (ROA) | 0.6914% | 3,881 |
| Pretax return on assets | 0.6914% | 4,613 |
| Return on Equity (ROE) | 8.6664% | 2,645 |
| Retained earnings to average equity (ytd only) | 5.7385% | 2,819 |
| Net charge-offs to loans | -0.0160% | 5,622 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1880% | 1,741 |
| Assets per employee ($millions) | 2.7054% | 6,396 |
| Cash dividends to net income (ytd only)* | 33.7838% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3511% | 4,458 |
| Loan loss allowance to noncurrent loans | 81.6626% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 1.1066% | 3,719 |
| Noncurrent loans to loans | 1.6545% | 3,059 |
| Net loans and leases to total assets | 56.3392% | 4,037 |
| Net loans and leases to deposits | 67.5147% | 3,834 |
| Net loans and leases to core deposits | 72.5976% | 3,748 |
| Total domestic deposits to total assets | 83.4473% | 4,692 |
| Equity capital to assets | 7.8871% | 6,440 |
| Core capital (leverage) ratio | 7.5235% | 6,458 |
| Tier 1 risk-based capital ratio | 9.6716% | 6,738 |
| Total risk-based capital ratio | 10.6826% | 6,763 |
| Memoranda: | ||
| Average total assets | $42,811,000 | 6,377 |
| Average earning assets | $39,324,500 | 6,356 |
| Average equity | $3,415,500 | 6,639 |
| Average total loans | $24,950,000 | 6,124 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9639% | 1,649 |
| Cost of funding earning assets | 0.8747% | 2,099 |
| Net interest margin | 4.0892% | 2,044 |
| Noninterest income to average assets | 1.2265% | 1,034 |
| Noninterest expense to average assets | 4.0883% | 870 |
| Loan and lease loss provision to assets | 0.0862% | 4,623 |
| Net operating income to assets | 0.7265% | 3,613 |
| Return on assets (ROA) | 0.7265% | 3,865 |
| Pretax return on assets | 0.7709% | 4,406 |
| Return on Equity (ROE) | 8.6293% | 2,816 |
| Retained earnings to average equity (ytd only) | 2.1939% | 4,691 |
| Net charge-offs to loans | 0.2356% | 3,523 |
| Credit loss provision to net charge-offs | 58.3333% | 4,490 |
| Earnings coverage of net charge-offs (x) | 5.8000% | 2,947 |
| Efficiency ratio | 82.6693% | 1,788 |
| Assets per employee ($millions) | 2.6460% | 6,487 |
| Cash dividends to net income (ytd only)* | 74.5763% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3265% | 4,509 |
| Loan loss allowance to noncurrent loans | 138.0165% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.7370% | 4,636 |
| Noncurrent loans to loans | 0.9611% | 4,278 |
| Net loans and leases to total assets | 58.6853% | 3,857 |
| Net loans and leases to deposits | 69.7658% | 3,739 |
| Net loans and leases to core deposits | 75.0990% | 3,645 |
| Total domestic deposits to total assets | 84.1175% | 4,262 |
| Equity capital to assets | 8.0711% | 6,369 |
| Core capital (leverage) ratio | 7.5182% | 6,494 |
| Tier 1 risk-based capital ratio | 10.0258% | 6,692 |
| Total risk-based capital ratio | 11.0870% | 6,708 |
| Memoranda: | ||
| Average total assets | $40,603,400 | 6,485 |
| Average earning assets | $36,926,400 | 6,472 |
| Average equity | $3,418,600 | 6,703 |
| Average total loans | $25,467,000 | 6,164 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0635% | 1,517 |
| Cost of funding earning assets | 0.9056% | 2,136 |
| Net interest margin | 4.1578% | 1,874 |
| Noninterest income to average assets | 1.2347% | 980 |
| Noninterest expense to average assets | 3.9730% | 968 |
| Loan and lease loss provision to assets | 0.0830% | 4,586 |
| Net operating income to assets | 0.8962% | 2,999 |
| Return on assets (ROA) | 0.8962% | 3,229 |
| Pretax return on assets | 0.9426% | 3,950 |
| Return on Equity (ROE) | 10.5291% | 2,124 |
| Retained earnings to average equity (ytd only) | 5.2647% | 3,180 |
| Net charge-offs to loans | 0.2141% | 3,447 |
| Credit loss provision to net charge-offs | 60.9756% | 4,127 |
| Earnings coverage of net charge-offs (x) | 7.5359% | 2,591 |
| Efficiency ratio | 79.4821% | 2,173 |
| Assets per employee ($millions) | 2.4971% | 6,695 |
| Cash dividends to net income (ytd only)* | 50.0014% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3488% | 4,591 |
| Loan loss allowance to noncurrent loans | 149.7817% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.6057% | 5,162 |
| Noncurrent loans to loans | 0.9005% | 4,633 |
| Net loans and leases to total assets | 62.7897% | 3,243 |
| Net loans and leases to deposits | 76.1412% | 2,959 |
| Net loans and leases to core deposits | 83.2432% | 2,788 |
| Total domestic deposits to total assets | 82.4648% | 4,850 |
| Equity capital to assets | 8.7551% | 6,065 |
| Core capital (leverage) ratio | 8.0704% | 6,264 |
| Tier 1 risk-based capital ratio | 10.8859% | 6,521 |
| Total risk-based capital ratio | 11.9484% | 6,589 |
| Memoranda: | ||
| Average total assets | $40,170,250 | 6,581 |
| Average earning assets | $36,364,000 | 6,569 |
| Average equity | $3,419,000 | 6,790 |
| Average total loans | $25,539,000 | 6,243 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0789% | 1,567 |
| Cost of funding earning assets | 0.9224% | 2,243 |
| Net interest margin | 4.1565% | 1,880 |
| Noninterest income to average assets | 1.1828% | 1,020 |
| Noninterest expense to average assets | 3.9958% | 943 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8996% | 2,910 |
| Return on assets (ROA) | 0.8996% | 3,180 |
| Pretax return on assets | 0.9492% | 3,886 |
| Return on Equity (ROE) | 10.6701% | 2,105 |
| Retained earnings to average equity (ytd only) | 4.7750% | 3,430 |
| Net charge-offs to loans | -0.0938% | 6,846 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8040% | 2,063 |
| Assets per employee ($millions) | 2.4304% | 6,813 |
| Cash dividends to net income (ytd only)* | 55.2486% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4438% | 4,272 |
| Loan loss allowance to noncurrent loans | 60.7201% | 4,609 |
| Noncurrent assets plus other real estate owned to assets | 1.7358% | 3,125 |
| Noncurrent loans to loans | 2.3778% | 2,526 |
| Net loans and leases to total assets | 65.1246% | 2,826 |
| Net loans and leases to deposits | 79.5084% | 2,451 |
| Net loans and leases to core deposits | 86.3539% | 2,382 |
| Total domestic deposits to total assets | 81.9091% | 5,167 |
| Equity capital to assets | 8.8821% | 5,826 |
| Core capital (leverage) ratio | 7.8515% | 6,408 |
| Tier 1 risk-based capital ratio | 10.7387% | 6,598 |
| Total risk-based capital ratio | 11.9853% | 6,590 |
| Memoranda: | ||
| Average total assets | $40,242,330 | 6,623 |
| Average earning assets | $36,425,000 | 6,608 |
| Average equity | $3,392,670 | 6,836 |
| Average total loans | $25,575,330 | 6,284 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0964% | 1,584 |
| Cost of funding earning assets | 0.9434% | 2,353 |
| Net interest margin | 4.1531% | 1,925 |
| Noninterest income to average assets | 1.1437% | 1,080 |
| Noninterest expense to average assets | 4.0274% | 905 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8309% | 3,247 |
| Return on assets (ROA) | 0.8309% | 3,478 |
| Pretax return on assets | 0.8602% | 4,191 |
| Return on Equity (ROE) | 10.1130% | 2,360 |
| Retained earnings to average equity (ytd only) | 5.9488% | 2,986 |
| Net charge-offs to loans | -0.2195% | 7,010 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4000% | 1,885 |
| Assets per employee ($millions) | 2.5560% | 6,796 |
| Cash dividends to net income (ytd only)* | 41.1765% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4527% | 4,360 |
| Loan loss allowance to noncurrent loans | 90.7543% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 1.0050% | 4,480 |
| Noncurrent loans to loans | 1.6007% | 3,720 |
| Net loans and leases to total assets | 61.8740% | 3,281 |
| Net loans and leases to deposits | 76.0496% | 2,791 |
| Net loans and leases to core deposits | 83.8353% | 2,564 |
| Total domestic deposits to total assets | 81.3600% | 5,510 |
| Equity capital to assets | 8.2478% | 6,316 |
| Core capital (leverage) ratio | 7.6995% | 6,487 |
| Tier 1 risk-based capital ratio | 10.7138% | 6,663 |
| Total risk-based capital ratio | 11.9629% | 6,652 |
| Memoranda: | ||
| Average total assets | $40,920,000 | 6,652 |
| Average earning assets | $36,888,500 | 6,646 |
| Average equity | $3,362,000 | 6,885 |
| Average total loans | $25,515,000 | 6,337 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5965% | 963 |
| Cost of funding earning assets | 1.1175% | 2,553 |
| Net interest margin | 4.4790% | 1,183 |
| Noninterest income to average assets | 1.2198% | 886 |
| Noninterest expense to average assets | 4.2721% | 742 |
| Loan and lease loss provision to assets | 0.0407% | 6,065 |
| Net operating income to assets | 0.8273% | 2,921 |
| Return on assets (ROA) | 0.8376% | 3,044 |
| Pretax return on assets | 0.8837% | 3,664 |
| Return on Equity (ROE) | 9.4311% | 2,273 |
| Retained earnings to average equity (ytd only) | 3.0216% | 4,078 |
| Net charge-offs to loans | 0.1165% | 5,215 |
| Credit loss provision to net charge-offs | 53.5714% | 5,333 |
| Earnings coverage of net charge-offs (x) | 12.0357% | 1,659 |
| Efficiency ratio | 82.3837% | 1,967 |
| Assets per employee ($millions) | 2.5590% | 6,772 |
| Cash dividends to net income (ytd only)* | 67.9612% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4160% | 4,388 |
| Loan loss allowance to noncurrent loans | 84.8700% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 1.0453% | 4,519 |
| Noncurrent loans to loans | 1.6684% | 3,659 |
| Net loans and leases to total assets | 61.0444% | 3,774 |
| Net loans and leases to deposits | 75.6431% | 3,230 |
| Net loans and leases to core deposits | 88.7603% | 2,289 |
| Total domestic deposits to total assets | 80.7005% | 5,542 |
| Equity capital to assets | 8.1843% | 6,445 |
| Core capital (leverage) ratio | 7.7672% | 6,473 |
| Tier 1 risk-based capital ratio | 10.7426% | 6,585 |
| Total risk-based capital ratio | 11.9915% | 6,563 |
| Memoranda: | ||
| Average total assets | $36,890,600 | 6,768 |
| Average earning assets | $32,663,400 | 6,787 |
| Average equity | $3,276,400 | 6,939 |
| Average total loans | $24,041,200 | 6,463 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8068% | 695 |
| Cost of funding earning assets | 1.1656% | 2,529 |
| Net interest margin | 4.6412% | 867 |
| Noninterest income to average assets | 1.2078% | 904 |
| Noninterest expense to average assets | 4.2180% | 782 |
| Loan and lease loss provision to assets | 0.0557% | 5,748 |
| Net operating income to assets | 0.9631% | 2,469 |
| Return on assets (ROA) | 0.9737% | 2,585 |
| Pretax return on assets | 1.0294% | 3,292 |
| Return on Equity (ROE) | 10.7227% | 1,948 |
| Retained earnings to average equity (ytd only) | 5.4025% | 2,909 |
| Net charge-offs to loans | 0.0843% | 5,130 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 19.2660% | 1,268 |
| Efficiency ratio | 79.7051% | 2,295 |
| Assets per employee ($millions) | 2.3176% | 7,067 |
| Cash dividends to net income (ytd only)* | 49.6193% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4931% | 4,134 |
| Loan loss allowance to noncurrent loans | 48.1865% | 5,130 |
| Noncurrent assets plus other real estate owned to assets | 2.1359% | 2,992 |
| Noncurrent loans to loans | 3.0987% | 2,239 |
| Net loans and leases to total assets | 66.1848% | 2,858 |
| Net loans and leases to deposits | 84.8206% | 1,875 |
| Net loans and leases to core deposits | 91.3599% | 2,074 |
| Total domestic deposits to total assets | 78.0292% | 6,187 |
| Equity capital to assets | 9.1637% | 5,565 |
| Core capital (leverage) ratio | 8.3797% | 5,885 |
| Tier 1 risk-based capital ratio | 11.6096% | 6,168 |
| Total risk-based capital ratio | 12.8622% | 6,157 |
| Memoranda: | ||
| Average total assets | $35,877,250 | 6,861 |
| Average earning assets | $31,571,500 | 6,885 |
| Average equity | $3,257,750 | 7,000 |
| Average total loans | $23,713,250 | 6,546 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8475% | 656 |
| Cost of funding earning assets | 1.1862% | 2,672 |
| Net interest margin | 4.6613% | 800 |
| Noninterest income to average assets | 1.1613% | 944 |
| Noninterest expense to average assets | 4.2451% | 790 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9541% | 2,419 |
| Return on assets (ROA) | 0.9753% | 2,433 |
| Pretax return on assets | 1.0373% | 3,087 |
| Return on Equity (ROE) | 10.7755% | 1,876 |
| Retained earnings to average equity (ytd only) | 5.1697% | 2,899 |
| Net charge-offs to loans | 0.0172% | 5,600 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 90.0000% | 396 |
| Efficiency ratio | 80.7074% | 2,283 |
| Assets per employee ($millions) | 2.2625% | 7,145 |
| Cash dividends to net income (ytd only)* | 52.0231% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5245% | 4,013 |
| Loan loss allowance to noncurrent loans | 197.8610% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.7624% | 5,378 |
| Noncurrent loans to loans | 0.7705% | 5,372 |
| Net loans and leases to total assets | 66.0249% | 3,023 |
| Net loans and leases to deposits | 85.0902% | 1,932 |
| Net loans and leases to core deposits | 91.8492% | 2,155 |
| Total domestic deposits to total assets | 77.5939% | 6,359 |
| Equity capital to assets | 9.1160% | 5,405 |
| Core capital (leverage) ratio | 8.4341% | 5,656 |
| Tier 1 risk-based capital ratio | 11.7740% | 5,952 |
| Total risk-based capital ratio | 13.0266% | 5,947 |
| Memoranda: | ||
| Average total assets | $35,476,000 | 6,938 |
| Average earning assets | $31,193,000 | 6,958 |
| Average equity | $3,211,000 | 7,067 |
| Average total loans | $23,313,000 | 6,625 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9385% | 548 |
| Cost of funding earning assets | 1.1851% | 2,915 |
| Net interest margin | 4.7534% | 631 |
| Noninterest income to average assets | 1.1847% | 916 |
| Noninterest expense to average assets | 4.3174% | 710 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9706% | 2,280 |
| Return on assets (ROA) | 1.0138% | 2,190 |
| Pretax return on assets | 1.0708% | 2,868 |
| Return on Equity (ROE) | 11.2427% | 1,660 |
| Retained earnings to average equity (ytd only) | 7.4530% | 1,961 |
| Net charge-offs to loans | -0.0526% | 6,902 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8102% | 2,396 |
| Assets per employee ($millions) | 2.2379% | 7,233 |
| Cash dividends to net income (ytd only)* | 33.7079% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6657% | 3,465 |
| Loan loss allowance to noncurrent loans | 189.3939% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.7624% | 5,393 |
| Noncurrent loans to loans | 0.8795% | 5,290 |
| Net loans and leases to total assets | 61.8276% | 3,892 |
| Net loans and leases to deposits | 80.1579% | 2,698 |
| Net loans and leases to core deposits | 86.6424% | 2,781 |
| Total domestic deposits to total assets | 77.1323% | 6,509 |
| Equity capital to assets | 8.9510% | 5,281 |
| Core capital (leverage) ratio | 8.5264% | 5,397 |
| Tier 1 risk-based capital ratio | 12.3262% | 5,419 |
| Total risk-based capital ratio | 13.5783% | 5,410 |
| Memoranda: | ||
| Average total assets | $35,114,000 | 7,005 |
| Average earning assets | $30,715,000 | 7,026 |
| Average equity | $3,166,500 | 7,119 |
| Average total loans | $22,834,000 | 6,701 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9365% | 971 |
| Cost of funding earning assets | 1.4642% | 2,868 |
| Net interest margin | 4.4723% | 1,295 |
| Noninterest income to average assets | 1.2380% | 982 |
| Noninterest expense to average assets | 4.3757% | 744 |
| Loan and lease loss provision to assets | 0.0428% | 6,737 |
| Net operating income to assets | 0.8187% | 2,715 |
| Return on assets (ROA) | 0.8187% | 2,854 |
| Pretax return on assets | 0.8187% | 3,572 |
| Return on Equity (ROE) | 9.0719% | 2,263 |
| Retained earnings to average equity (ytd only) | 3.2242% | 3,609 |
| Net charge-offs to loans | 0.1810% | 5,234 |
| Credit loss provision to net charge-offs | 36.5854% | 6,431 |
| Earnings coverage of net charge-offs (x) | 7.3659% | 2,147 |
| Efficiency ratio | 83.5512% | 1,974 |
| Assets per employee ($millions) | 2.1514% | 7,332 |
| Cash dividends to net income (ytd only)* | 64.4599% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6066% | 3,546 |
| Loan loss allowance to noncurrent loans | 206.6667% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.7408% | 5,523 |
| Noncurrent loans to loans | 0.7774% | 5,488 |
| Net loans and leases to total assets | 66.1873% | 3,430 |
| Net loans and leases to deposits | 88.1695% | 1,763 |
| Net loans and leases to core deposits | 94.7791% | 2,160 |
| Total domestic deposits to total assets | 75.0683% | 6,760 |
| Equity capital to assets | 9.0872% | 5,009 |
| Core capital (leverage) ratio | 8.4686% | 5,421 |
| Tier 1 risk-based capital ratio | 12.5953% | 4,943 |
| Total risk-based capital ratio | 13.8578% | 4,911 |
| Memoranda: | ||
| Average total assets | $35,057,400 | 7,044 |
| Average earning assets | $31,348,600 | 7,043 |
| Average equity | $3,163,600 | 7,230 |
| Average total loans | $22,653,400 | 6,789 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9036% | 1,125 |
| Cost of funding earning assets | 1.5013% | 2,977 |
| Net interest margin | 4.4023% | 1,519 |
| Noninterest income to average assets | 1.1775% | 1,003 |
| Noninterest expense to average assets | 4.1722% | 859 |
| Loan and lease loss provision to assets | 0.0568% | 6,501 |
| Net operating income to assets | 0.8897% | 2,649 |
| Return on assets (ROA) | 0.8897% | 2,793 |
| Pretax return on assets | 0.8897% | 3,593 |
| Return on Equity (ROE) | 9.8764% | 2,169 |
| Retained earnings to average equity (ytd only) | 5.2533% | 2,811 |
| Net charge-offs to loans | 0.1539% | 5,079 |
| Credit loss provision to net charge-offs | 57.6923% | 5,752 |
| Earnings coverage of net charge-offs (x) | 9.6144% | 1,999 |
| Efficiency ratio | 81.5089% | 2,127 |
| Assets per employee ($millions) | 2.1129% | 7,452 |
| Cash dividends to net income (ytd only)* | 46.8069% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7326% | 3,048 |
| Loan loss allowance to noncurrent loans | 101.5748% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 1.1270% | 4,862 |
| Noncurrent loans to loans | 1.7058% | 4,078 |
| Net loans and leases to total assets | 64.9263% | 3,920 |
| Net loans and leases to deposits | 87.2238% | 2,120 |
| Net loans and leases to core deposits | 93.4437% | 2,600 |
| Total domestic deposits to total assets | 74.4365% | 6,866 |
| Equity capital to assets | 9.6699% | 4,583 |
| Core capital (leverage) ratio | 8.6192% | 5,316 |
| Tier 1 risk-based capital ratio | 13.1451% | 4,461 |
| Total risk-based capital ratio | 14.2851% | 4,530 |
| Memoranda: | ||
| Average total assets | $35,216,250 | 7,120 |
| Average earning assets | $31,528,250 | 7,123 |
| Average equity | $3,172,500 | 7,316 |
| Average total loans | $22,528,000 | 6,881 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8086% | 1,402 |
| Cost of funding earning assets | 1.5194% | 3,135 |
| Net interest margin | 4.2892% | 1,823 |
| Noninterest income to average assets | 1.0760% | 1,161 |
| Noninterest expense to average assets | 4.0239% | 1,010 |
| Loan and lease loss provision to assets | 0.0560% | 6,398 |
| Net operating income to assets | 0.8407% | 2,778 |
| Return on assets (ROA) | 0.8407% | 2,933 |
| Pretax return on assets | 0.8407% | 3,739 |
| Return on Equity (ROE) | 9.5531% | 2,252 |
| Retained earnings to average equity (ytd only) | 4.7766% | 3,028 |
| Net charge-offs to loans | 0.2036% | 4,395 |
| Credit loss provision to net charge-offs | 43.4783% | 5,547 |
| Earnings coverage of net charge-offs (x) | 6.9565% | 2,381 |
| Efficiency ratio | 81.7768% | 2,200 |
| Assets per employee ($millions) | 2.0856% | 7,524 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6922% | 3,112 |
| Loan loss allowance to noncurrent loans | 100.2604% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 1.0830% | 4,967 |
| Noncurrent loans to loans | 1.6878% | 4,157 |
| Net loans and leases to total assets | 63.0810% | 4,449 |
| Net loans and leases to deposits | 85.0224% | 2,700 |
| Net loans and leases to core deposits | 91.7918% | 3,015 |
| Total domestic deposits to total assets | 74.1934% | 6,950 |
| Equity capital to assets | 9.0704% | 5,338 |
| Core capital (leverage) ratio | 8.1997% | 5,940 |
| Tier 1 risk-based capital ratio | 12.6677% | 4,714 |
| Total risk-based capital ratio | 13.9147% | 4,693 |
| Memoranda: | ||
| Average total assets | $35,686,330 | 7,152 |
| Average earning assets | $31,987,000 | 7,160 |
| Average equity | $3,140,330 | 7,371 |
| Average total loans | $22,592,000 | 6,932 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7088% | 1,742 |
| Cost of funding earning assets | 1.5298% | 3,377 |
| Net interest margin | 4.1790% | 2,124 |
| Noninterest income to average assets | 0.9832% | 1,354 |
| Noninterest expense to average assets | 3.9887% | 1,051 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7486% | 3,218 |
| Return on assets (ROA) | 0.7486% | 3,324 |
| Pretax return on assets | 0.7486% | 4,068 |
| Return on Equity (ROE) | 8.6382% | 2,611 |
| Retained earnings to average equity (ytd only) | 6.7043% | 2,270 |
| Net charge-offs to loans | -0.0178% | 7,043 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1981% | 2,007 |
| Assets per employee ($millions) | 2.1222% | 7,602 |
| Cash dividends to net income (ytd only)* | 22.3881% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7952% | 2,750 |
| Loan loss allowance to noncurrent loans | 101.5267% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 1.2085% | 4,756 |
| Noncurrent loans to loans | 1.7682% | 4,099 |
| Net loans and leases to total assets | 60.5012% | 5,039 |
| Net loans and leases to deposits | 81.1775% | 3,433 |
| Net loans and leases to core deposits | 87.4900% | 3,684 |
| Total domestic deposits to total assets | 74.5295% | 6,979 |
| Equity capital to assets | 8.7119% | 5,714 |
| Core capital (leverage) ratio | 8.0771% | 6,123 |
| Tier 1 risk-based capital ratio | 12.9381% | 4,381 |
| Total risk-based capital ratio | 14.1903% | 4,357 |
| Memoranda: | ||
| Average total assets | $35,801,500 | 7,242 |
| Average earning assets | $32,161,000 | 7,243 |
| Average equity | $3,102,500 | 7,467 |
| Average total loans | $22,512,500 | 7,024 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0443% | 1,691 |
| Cost of funding earning assets | 1.8035% | 3,975 |
| Net interest margin | 4.2408% | 1,933 |
| Noninterest income to average assets | 1.2511% | 966 |
| Noninterest expense to average assets | 4.1348% | 1,177 |
| Loan and lease loss provision to assets | 0.9391% | 2,402 |
| Net operating income to assets | 0.0405% | 5,363 |
| Return on assets (ROA) | 0.0405% | 5,417 |
| Pretax return on assets | 0.0636% | 5,292 |
| Return on Equity (ROE) | 0.4744% | 5,398 |
| Retained earnings to average equity (ytd only) | -3.0837% | 5,718 |
| Net charge-offs to loans | 1.1990% | 2,055 |
| Credit loss provision to net charge-offs | 117.7536% | 4,601 |
| Earnings coverage of net charge-offs (x) | 1.2572% | 4,869 |
| Efficiency ratio | 80.4837% | 2,809 |
| Assets per employee ($millions) | 2.0898% | 7,666 |
| Cash dividends to net income (ytd only)* | 750.0000% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7457% | 2,729 |
| Loan loss allowance to noncurrent loans | 64.0902% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 1.9704% | 3,435 |
| Noncurrent loans to loans | 2.7238% | 2,839 |
| Net loans and leases to total assets | 63.0552% | 4,795 |
| Net loans and leases to deposits | 84.9939% | 3,087 |
| Net loans and leases to core deposits | 95.3315% | 4,534 |
| Total domestic deposits to total assets | 74.1879% | 6,991 |
| Equity capital to assets | 8.6190% | 5,704 |
| Core capital (leverage) ratio | 8.0172% | 6,155 |
| Tier 1 risk-based capital ratio | 12.6665% | 4,388 |
| Total risk-based capital ratio | 13.9234% | 4,318 |
| Memoranda: | ||
| Average total assets | $34,608,400 | 7,298 |
| Average earning assets | $31,715,800 | 7,279 |
| Average equity | $2,951,000 | 7,602 |
| Average total loans | $23,019,200 | 7,026 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0541% | 1,822 |
| Cost of funding earning assets | 1.8512% | 4,145 |
| Net interest margin | 4.2030% | 2,052 |
| Noninterest income to average assets | 1.2837% | 935 |
| Noninterest expense to average assets | 4.0179% | 1,254 |
| Loan and lease loss provision to assets | 1.0471% | 1,839 |
| Net operating income to assets | 0.0737% | 5,545 |
| Return on assets (ROA) | 0.0737% | 5,586 |
| Pretax return on assets | 0.0931% | 5,542 |
| Return on Equity (ROE) | 0.8665% | 5,539 |
| Retained earnings to average equity (ytd only) | -3.2382% | 5,981 |
| Net charge-offs to loans | 1.2654% | 1,620 |
| Credit loss provision to net charge-offs | 123.2877% | 4,092 |
| Earnings coverage of net charge-offs (x) | 1.3425% | 4,777 |
| Efficiency ratio | 77.8947% | 3,180 |
| Assets per employee ($millions) | 2.0624% | 7,746 |
| Cash dividends to net income (ytd only)* | 473.7465% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7629% | 2,402 |
| Loan loss allowance to noncurrent loans | 87.1460% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 1.4090% | 4,286 |
| Noncurrent loans to loans | 2.0229% | 3,608 |
| Net loans and leases to total assets | 63.5749% | 4,954 |
| Net loans and leases to deposits | 86.8566% | 3,158 |
| Net loans and leases to core deposits | 98.1506% | 4,583 |
| Total domestic deposits to total assets | 73.1953% | 7,064 |
| Equity capital to assets | 8.9102% | 5,619 |
| Core capital (leverage) ratio | 8.2685% | 5,885 |
| Tier 1 risk-based capital ratio | 12.6848% | 4,401 |
| Total risk-based capital ratio | 13.9392% | 4,356 |
| Memoranda: | ||
| Average total assets | $34,379,000 | 7,368 |
| Average earning assets | $31,691,000 | 7,341 |
| Average equity | $2,923,250 | 7,680 |
| Average total loans | $23,074,250 | 7,085 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1352% | 1,670 |
| Cost of funding earning assets | 1.9344% | 4,090 |
| Net interest margin | 4.2008% | 1,998 |
| Noninterest income to average assets | 1.2415% | 1,001 |
| Noninterest expense to average assets | 4.0759% | 1,219 |
| Loan and lease loss provision to assets | 1.4933% | 1,145 |
| Net operating income to assets | -0.4919% | 6,539 |
| Return on assets (ROA) | -0.4919% | 6,550 |
| Pretax return on assets | -0.4744% | 6,398 |
| Return on Equity (ROE) | -5.8817% | 6,697 |
| Retained earnings to average equity (ytd only) | -10.0829% | 6,887 |
| Net charge-offs to loans | 1.8705% | 1,005 |
| Credit loss provision to net charge-offs | 117.5115% | 3,958 |
| Earnings coverage of net charge-offs (x) | 0.8018% | 4,933 |
| Efficiency ratio | 80.0000% | 3,042 |
| Assets per employee ($millions) | 1.9870% | 7,861 |
| Cash dividends to net income (ytd only)* | -71.4286% | 8,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6733% | 2,436 |
| Loan loss allowance to noncurrent loans | 82.6923% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 1.4891% | 4,002 |
| Noncurrent loans to loans | 2.0235% | 3,481 |
| Net loans and leases to total assets | 67.3229% | 4,292 |
| Net loans and leases to deposits | 90.2027% | 2,804 |
| Net loans and leases to core deposits | 100.7978% | 4,425 |
| Total domestic deposits to total assets | 74.6351% | 6,835 |
| Equity capital to assets | 8.8043% | 5,592 |
| Core capital (leverage) ratio | 8.2043% | 5,975 |
| Tier 1 risk-based capital ratio | 12.3531% | 4,636 |
| Total risk-based capital ratio | 13.6069% | 4,560 |
| Memoranda: | ||
| Average total assets | $34,151,670 | 7,444 |
| Average earning assets | $31,327,670 | 7,421 |
| Average equity | $2,856,330 | 7,773 |
| Average total loans | $23,202,330 | 7,138 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1384% | 1,803 |
| Cost of funding earning assets | 2.0119% | 4,074 |
| Net interest margin | 4.1264% | 2,186 |
| Noninterest income to average assets | 1.2231% | 958 |
| Noninterest expense to average assets | 4.0072% | 1,177 |
| Loan and lease loss provision to assets | 0.0582% | 6,232 |
| Net operating income to assets | 0.9086% | 2,667 |
| Return on assets (ROA) | 0.9086% | 2,815 |
| Pretax return on assets | 0.9086% | 3,684 |
| Return on Equity (ROE) | 11.1528% | 1,927 |
| Retained earnings to average equity (ytd only) | 6.1483% | 2,565 |
| Net charge-offs to loans | 0.0688% | 4,511 |
| Credit loss provision to net charge-offs | 125.0000% | 3,173 |
| Earnings coverage of net charge-offs (x) | 20.7500% | 1,362 |
| Efficiency ratio | 80.5621% | 2,733 |
| Assets per employee ($millions) | 2.0526% | 7,856 |
| Cash dividends to net income (ytd only)* | 44.8718% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5146% | 2,893 |
| Loan loss allowance to noncurrent loans | 40.7451% | 5,830 |
| Noncurrent assets plus other real estate owned to assets | 3.2641% | 1,688 |
| Noncurrent loans to loans | 3.7173% | 1,671 |
| Net loans and leases to total assets | 65.2185% | 4,763 |
| Net loans and leases to deposits | 84.8419% | 3,846 |
| Net loans and leases to core deposits | 103.7567% | 4,165 |
| Total domestic deposits to total assets | 76.8706% | 6,311 |
| Equity capital to assets | 8.1846% | 6,555 |
| Core capital (leverage) ratio | 7.7006% | 6,888 |
| Tier 1 risk-based capital ratio | 11.7364% | 5,181 |
| Total risk-based capital ratio | 12.9903% | 5,101 |
| Memoranda: | ||
| Average total assets | $34,338,000 | 7,478 |
| Average earning assets | $31,213,500 | 7,467 |
| Average equity | $2,797,500 | 7,834 |
| Average total loans | $23,239,500 | 7,172 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0266% | 1,057 |
| Cost of funding earning assets | 2.6131% | 3,619 |
| Net interest margin | 4.4135% | 1,648 |
| Noninterest income to average assets | 1.3450% | 795 |
| Noninterest expense to average assets | 4.1473% | 1,207 |
| Loan and lease loss provision to assets | 0.5708% | 2,540 |
| Net operating income to assets | 0.5829% | 4,379 |
| Return on assets (ROA) | 0.5829% | 4,247 |
| Pretax return on assets | 0.6163% | 4,643 |
| Return on Equity (ROE) | 6.9279% | 3,569 |
| Retained earnings to average equity (ytd only) | 0.0722% | 5,193 |
| Net charge-offs to loans | 0.3840% | 2,905 |
| Credit loss provision to net charge-offs | 216.0920% | 2,229 |
| Earnings coverage of net charge-offs (x) | 4.4943% | 3,962 |
| Efficiency ratio | 77.7462% | 2,961 |
| Assets per employee ($millions) | 2.2521% | 7,628 |
| Cash dividends to net income (ytd only)* | 98.9583% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4933% | 2,729 |
| Loan loss allowance to noncurrent loans | 136.3281% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 1.7021% | 2,858 |
| Noncurrent loans to loans | 1.0954% | 4,370 |
| Net loans and leases to total assets | 68.1507% | 4,440 |
| Net loans and leases to deposits | 90.1339% | 3,428 |
| Net loans and leases to core deposits | 111.4435% | 3,621 |
| Total domestic deposits to total assets | 75.6106% | 6,322 |
| Equity capital to assets | 8.1081% | 6,684 |
| Core capital (leverage) ratio | 7.8273% | 6,759 |
| Tier 1 risk-based capital ratio | 11.6295% | 5,121 |
| Total risk-based capital ratio | 12.8834% | 5,010 |
| Memoranda: | ||
| Average total assets | $32,937,000 | 7,514 |
| Average earning assets | $29,772,600 | 7,524 |
| Average equity | $2,771,400 | 7,908 |
| Average total loans | $22,658,200 | 7,155 |