Home > Union State Bank of Browns Valley > Performance and Condition Ratios
Union State Bank of Browns Valley, Performance and Condition Ratios
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2478% | 4,743 |
| Cost of funding earning assets | 0.2911% | 2,865 |
| Net interest margin | 1.9567% | 4,730 |
| Noninterest income to average assets | 0.2649% | 3,813 |
| Noninterest expense to average assets | 1.7939% | 4,199 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3028% | 4,520 |
| Return on assets (ROA) | 0.3028% | 4,544 |
| Pretax return on assets | 0.3028% | 4,587 |
| Return on Equity (ROE) | 3.2877% | 4,430 |
| Retained earnings to average equity (ytd only) | -14.7123% | 4,905 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5596% | 495 |
| Assets per employee ($millions) | 5.1370% | 3,527 |
| Cash dividends to net income (ytd only)* | 547.5000% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5404% | 1,452 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 27.6231% | 4,711 |
| Net loans and leases to deposits | 30.4650% | 4,747 |
| Net loans and leases to core deposits | 31.5165% | 4,752 |
| Total domestic deposits to total assets | 90.6716% | 487 |
| Equity capital to assets | 9.1454% | 3,660 |
| Core capital (leverage) ratio | 9.0517% | 3,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,422,667 | 4,871 |
| Average earning assets | $24,735,000 | 4,852 |
| Average equity | $2,433,333 | 4,899 |
| Average total loans | $7,772,000 | 4,864 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2497% | 4,776 |
| Cost of funding earning assets | 0.3010% | 2,983 |
| Net interest margin | 1.9487% | 4,753 |
| Noninterest income to average assets | 0.4628% | 2,779 |
| Noninterest expense to average assets | 1.4034% | 4,742 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8958% | 3,136 |
| Return on assets (ROA) | 0.8958% | 3,218 |
| Pretax return on assets | 0.8958% | 3,610 |
| Return on Equity (ROE) | 9.6950% | 2,790 |
| Retained earnings to average equity (ytd only) | -18.7437% | 4,909 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0390% | 2,906 |
| Assets per employee ($millions) | 5.1692% | 3,467 |
| Cash dividends to net income (ytd only)* | 293.3333% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4255% | 1,855 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 29.6990% | 4,703 |
| Net loans and leases to deposits | 32.7782% | 4,750 |
| Net loans and leases to core deposits | 33.9016% | 4,758 |
| Total domestic deposits to total assets | 90.6059% | 539 |
| Equity capital to assets | 9.3477% | 3,337 |
| Core capital (leverage) ratio | 9.3189% | 3,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,791,500 | 4,893 |
| Average earning assets | $25,247,500 | 4,873 |
| Average equity | $2,475,500 | 4,922 |
| Average total loans | $8,055,000 | 4,886 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9936% | 4,639 |
| Cost of funding earning assets | 0.4100% | 3,521 |
| Net interest margin | 2.5836% | 4,521 |
| Noninterest income to average assets | 0.2636% | 3,897 |
| Noninterest expense to average assets | 1.5529% | 4,739 |
| Loan and lease loss provision to assets | 0.0165% | 4,171 |
| Net operating income to assets | 1.1080% | 1,898 |
| Return on assets (ROA) | 1.1080% | 2,018 |
| Pretax return on assets | 1.1080% | 2,659 |
| Return on Equity (ROE) | 10.7945% | 1,704 |
| Retained earnings to average equity (ytd only) | -0.2809% | 4,560 |
| Net charge-offs to loans | 0.0469% | 2,126 |
| Credit loss provision to net charge-offs | 100.0000% | 2,816 |
| Earnings coverage of net charge-offs (x) | 68.2500% | 995 |
| Efficiency ratio | 58.0000% | 3,724 |
| Assets per employee ($millions) | 5.5474% | 2,795 |
| Cash dividends to net income (ytd only)* | 102.6022% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3337% | 2,260 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 29.6067% | 4,758 |
| Net loans and leases to deposits | 32.6028% | 4,806 |
| Net loans and leases to core deposits | 33.6378% | 4,813 |
| Total domestic deposits to total assets | 90.8101% | 276 |
| Equity capital to assets | 9.1394% | 3,944 |
| Core capital (leverage) ratio | 9.8191% | 2,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $24,277,000 | 4,924 |
| Average earning assets | $22,681,600 | 4,903 |
| Average equity | $2,492,000 | 4,939 |
| Average total loans | $8,532,400 | 4,908 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1996% | 4,593 |
| Cost of funding earning assets | 0.4475% | 3,537 |
| Net interest margin | 2.7521% | 4,397 |
| Noninterest income to average assets | 0.1481% | 4,562 |
| Noninterest expense to average assets | 1.4978% | 4,802 |
| Loan and lease loss provision to assets | 0.0214% | 4,068 |
| Net operating income to assets | 1.1845% | 1,689 |
| Return on assets (ROA) | 1.1845% | 1,813 |
| Pretax return on assets | 1.1845% | 2,445 |
| Return on Equity (ROE) | 11.1769% | 1,626 |
| Retained earnings to average equity (ytd only) | -3.6002% | 4,799 |
| Net charge-offs to loans | 0.0621% | 1,715 |
| Credit loss provision to net charge-offs | 100.0000% | 2,620 |
| Earnings coverage of net charge-offs (x) | 53.0000% | 1,159 |
| Efficiency ratio | 55.3684% | 3,995 |
| Assets per employee ($millions) | 4.9286% | 3,343 |
| Cash dividends to net income (ytd only)* | 132.2115% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3001% | 2,155 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 34.1963% | 4,734 |
| Net loans and leases to deposits | 38.0830% | 4,790 |
| Net loans and leases to core deposits | 39.4652% | 4,794 |
| Total domestic deposits to total assets | 89.7943% | 502 |
| Equity capital to assets | 10.0597% | 3,178 |
| Core capital (leverage) ratio | 10.7184% | 2,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,412,000 | 4,962 |
| Average earning assets | $21,752,250 | 4,943 |
| Average equity | $2,481,250 | 4,967 |
| Average total loans | $8,584,750 | 4,939 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3145% | 4,631 |
| Cost of funding earning assets | 0.4494% | 3,795 |
| Net interest margin | 2.8650% | 4,364 |
| Noninterest income to average assets | 0.1739% | 4,421 |
| Noninterest expense to average assets | 1.4521% | 4,879 |
| Loan and lease loss provision to assets | 0.0348% | 3,832 |
| Net operating income to assets | 1.3477% | 1,228 |
| Return on assets (ROA) | 1.3477% | 1,322 |
| Pretax return on assets | 1.3477% | 1,876 |
| Return on Equity (ROE) | 12.4899% | 1,219 |
| Retained earnings to average equity (ytd only) | -6.7687% | 4,841 |
| Net charge-offs to loans | 0.0930% | 1,330 |
| Credit loss provision to net charge-offs | 100.0000% | 2,394 |
| Earnings coverage of net charge-offs (x) | 39.7500% | 1,256 |
| Efficiency ratio | 51.2270% | 4,413 |
| Assets per employee ($millions) | 4.5914% | 3,661 |
| Cash dividends to net income (ytd only)* | 154.1935% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2254% | 2,381 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 38.9729% | 4,644 |
| Net loans and leases to deposits | 43.7442% | 4,707 |
| Net loans and leases to core deposits | 45.4647% | 4,724 |
| Total domestic deposits to total assets | 89.0927% | 715 |
| Equity capital to assets | 10.7505% | 2,526 |
| Core capital (leverage) ratio | 11.1217% | 1,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,001,667 | 4,992 |
| Average earning assets | $21,361,000 | 4,974 |
| Average equity | $2,482,000 | 4,999 |
| Average total loans | $8,600,333 | 4,971 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2850% | 4,822 |
| Cost of funding earning assets | 0.4505% | 4,151 |
| Net interest margin | 2.8345% | 4,531 |
| Noninterest income to average assets | 0.2606% | 3,983 |
| Noninterest expense to average assets | 1.5983% | 4,857 |
| Loan and lease loss provision to assets | 0.0695% | 2,876 |
| Net operating income to assets | 1.2161% | 1,463 |
| Return on assets (ROA) | 1.2161% | 1,576 |
| Pretax return on assets | 1.2161% | 2,134 |
| Return on Equity (ROE) | 11.2495% | 1,341 |
| Retained earnings to average equity (ytd only) | -18.1599% | 4,939 |
| Net charge-offs to loans | 0.1911% | 710 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | 18.5000% | 1,468 |
| Efficiency ratio | 55.4217% | 4,267 |
| Assets per employee ($millions) | 4.4556% | 3,327 |
| Cash dividends to net income (ytd only)* | 261.4286% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3502% | 1,912 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 36.4036% | 4,764 |
| Net loans and leases to deposits | 40.9575% | 4,823 |
| Net loans and leases to core deposits | 42.6236% | 4,829 |
| Total domestic deposits to total assets | 88.8814% | 716 |
| Equity capital to assets | 10.9705% | 2,883 |
| Core capital (leverage) ratio | 10.9049% | 2,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,024,000 | 5,037 |
| Average earning assets | $21,309,000 | 5,021 |
| Average equity | $2,489,000 | 5,046 |
| Average total loans | $8,371,500 | 5,024 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5943% | 4,781 |
| Cost of funding earning assets | 0.4731% | 4,199 |
| Net interest margin | 3.1213% | 4,337 |
| Noninterest income to average assets | 0.1313% | 4,814 |
| Noninterest expense to average assets | 1.7382% | 4,840 |
| Loan and lease loss provision to assets | 0.0226% | 3,569 |
| Net operating income to assets | 1.2675% | 1,815 |
| Return on assets (ROA) | 1.2675% | 1,893 |
| Pretax return on assets | 1.2675% | 2,620 |
| Return on Equity (ROE) | 11.3461% | 1,749 |
| Retained earnings to average equity (ytd only) | -1.4993% | 4,844 |
| Net charge-offs to loans | 0.0578% | 2,275 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | 57.0000% | 1,018 |
| Efficiency ratio | 57.3991% | 4,036 |
| Assets per employee ($millions) | 4.7540% | 2,886 |
| Cash dividends to net income (ytd only)* | 113.2143% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3025% | 1,908 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 35.3849% | 4,859 |
| Net loans and leases to deposits | 39.6652% | 4,914 |
| Net loans and leases to core deposits | 41.1638% | 4,925 |
| Total domestic deposits to total assets | 89.2091% | 589 |
| Equity capital to assets | 10.6605% | 3,296 |
| Core capital (leverage) ratio | 11.5072% | 2,106 |
| Tier 1 risk-based capital ratio | 18.0819% | 1,740 |
| Total risk-based capital ratio | 18.8740% | 1,814 |
| Memoranda: | ||
| Average total assets | $22,091,400 | 5,099 |
| Average earning assets | $20,504,600 | 5,083 |
| Average equity | $2,467,800 | 5,104 |
| Average total loans | $8,651,600 | 5,078 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6833% | 4,800 |
| Cost of funding earning assets | 0.4819% | 4,214 |
| Net interest margin | 3.2014% | 4,297 |
| Noninterest income to average assets | 0.1107% | 4,951 |
| Noninterest expense to average assets | 1.6919% | 4,927 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4027% | 1,462 |
| Return on assets (ROA) | 1.4027% | 1,518 |
| Pretax return on assets | 1.4027% | 2,305 |
| Return on Equity (ROE) | 12.4014% | 1,478 |
| Retained earnings to average equity (ytd only) | -4.8408% | 5,059 |
| Net charge-offs to loans | 0.0307% | 2,456 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 113.8539% | 677 |
| Efficiency ratio | 54.6720% | 4,316 |
| Assets per employee ($millions) | 4.2340% | 3,573 |
| Cash dividends to net income (ytd only)* | 139.0375% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1876% | 2,571 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 42.8389% | 4,727 |
| Net loans and leases to deposits | 48.5935% | 4,808 |
| Net loans and leases to core deposits | 50.6903% | 4,822 |
| Total domestic deposits to total assets | 88.1578% | 970 |
| Equity capital to assets | 11.7100% | 2,496 |
| Core capital (leverage) ratio | 11.5066% | 2,213 |
| Tier 1 risk-based capital ratio | 17.8348% | 1,865 |
| Total risk-based capital ratio | 18.6199% | 1,939 |
| Memoranda: | ||
| Average total assets | $21,671,750 | 5,182 |
| Average earning assets | $20,199,000 | 5,166 |
| Average equity | $2,451,250 | 5,181 |
| Average total loans | $8,684,000 | 5,157 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4101% | 5,074 |
| Cost of funding earning assets | 0.4677% | 4,252 |
| Net interest margin | 2.9425% | 4,766 |
| Noninterest income to average assets | 0.1007% | 5,036 |
| Noninterest expense to average assets | 1.7858% | 4,892 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0806% | 2,597 |
| Return on assets (ROA) | 1.0806% | 2,667 |
| Pretax return on assets | 1.0806% | 3,286 |
| Return on Equity (ROE) | 9.6642% | 2,550 |
| Retained earnings to average equity (ytd only) | -12.6945% | 5,202 |
| Net charge-offs to loans | 0.0470% | 1,975 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 59.0000% | 990 |
| Efficiency ratio | 62.3003% | 3,384 |
| Assets per employee ($millions) | 4.2670% | 3,482 |
| Cash dividends to net income (ytd only)* | 231.3559% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2142% | 2,447 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 41.5655% | 4,796 |
| Net loans and leases to deposits | 46.9281% | 4,875 |
| Net loans and leases to core deposits | 48.9215% | 4,889 |
| Total domestic deposits to total assets | 88.5728% | 845 |
| Equity capital to assets | 11.3007% | 2,783 |
| Core capital (leverage) ratio | 11.1126% | 2,495 |
| Tier 1 risk-based capital ratio | 17.6531% | 1,892 |
| Total risk-based capital ratio | 18.4515% | 1,979 |
| Memoranda: | ||
| Average total assets | $21,839,000 | 5,227 |
| Average earning assets | $20,527,000 | 5,208 |
| Average equity | $2,442,000 | 5,222 |
| Average total loans | $8,519,330 | 5,207 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2062% | 5,208 |
| Cost of funding earning assets | 0.4608% | 4,241 |
| Net interest margin | 2.7454% | 5,031 |
| Noninterest income to average assets | 0.1086% | 5,048 |
| Noninterest expense to average assets | 1.5753% | 5,119 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1226% | 2,384 |
| Return on assets (ROA) | 1.1226% | 2,431 |
| Pretax return on assets | 1.1226% | 3,085 |
| Return on Equity (ROE) | 10.0916% | 2,333 |
| Retained earnings to average equity (ytd only) | -25.8800% | 5,291 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3893% | 4,025 |
| Assets per employee ($millions) | 4.3172% | 3,466 |
| Cash dividends to net income (ytd only)* | 356.4516% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3175% | 2,006 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 38.5157% | 4,937 |
| Net loans and leases to deposits | 43.3653% | 5,003 |
| Net loans and leases to core deposits | 45.1799% | 5,015 |
| Total domestic deposits to total assets | 88.8168% | 949 |
| Equity capital to assets | 11.0674% | 2,781 |
| Core capital (leverage) ratio | 10.9408% | 2,619 |
| Tier 1 risk-based capital ratio | 18.0943% | 1,772 |
| Total risk-based capital ratio | 18.9291% | 1,842 |
| Memoranda: | ||
| Average total assets | $22,091,000 | 5,278 |
| Average earning assets | $20,834,500 | 5,258 |
| Average equity | $2,457,500 | 5,276 |
| Average total loans | $8,290,500 | 5,272 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3376% | 5,056 |
| Cost of funding earning assets | 0.4226% | 3,840 |
| Net interest margin | 2.9150% | 4,899 |
| Noninterest income to average assets | 0.2927% | 4,150 |
| Noninterest expense to average assets | 1.6277% | 5,152 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3572% | 1,587 |
| Return on assets (ROA) | 1.3483% | 1,608 |
| Pretax return on assets | 1.3483% | 2,326 |
| Return on Equity (ROE) | 12.5558% | 1,525 |
| Retained earnings to average equity (ytd only) | 3.5107% | 3,655 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5319% | 4,570 |
| Assets per employee ($millions) | 4.5192% | 3,142 |
| Cash dividends to net income (ytd only)* | 72.0395% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3610% | 1,787 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 35.6036% | 5,075 |
| Net loans and leases to deposits | 40.1327% | 5,120 |
| Net loans and leases to core deposits | 41.7337% | 5,128 |
| Total domestic deposits to total assets | 88.7148% | 972 |
| Equity capital to assets | 11.1790% | 2,534 |
| Core capital (leverage) ratio | 11.6053% | 2,022 |
| Tier 1 risk-based capital ratio | 19.3643% | 1,434 |
| Total risk-based capital ratio | 20.2023% | 1,488 |
| Memoranda: | ||
| Average total assets | $22,547,000 | 5,319 |
| Average earning assets | $20,823,200 | 5,305 |
| Average equity | $2,421,200 | 5,325 |
| Average total loans | $8,289,400 | 5,318 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3092% | 5,114 |
| Cost of funding earning assets | 0.4120% | 3,776 |
| Net interest margin | 2.8972% | 4,977 |
| Noninterest income to average assets | 0.1124% | 5,165 |
| Noninterest expense to average assets | 1.5797% | 5,226 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1952% | 2,260 |
| Return on assets (ROA) | 1.1833% | 2,308 |
| Pretax return on assets | 1.1833% | 3,052 |
| Return on Equity (ROE) | 11.1340% | 2,128 |
| Retained earnings to average equity (ytd only) | -1.0576% | 5,138 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9296% | 4,259 |
| Assets per employee ($millions) | 4.2428% | 3,515 |
| Cash dividends to net income (ytd only)* | 109.4990% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2077% | 2,582 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 42.8019% | 4,922 |
| Net loans and leases to deposits | 48.3133% | 5,005 |
| Net loans and leases to core deposits | 50.3745% | 5,009 |
| Total domestic deposits to total assets | 88.5924% | 1,004 |
| Equity capital to assets | 11.3227% | 2,383 |
| Core capital (leverage) ratio | 11.3951% | 2,253 |
| Tier 1 risk-based capital ratio | 17.7216% | 1,864 |
| Total risk-based capital ratio | 18.5209% | 1,951 |
| Memoranda: | ||
| Average total assets | $22,534,750 | 5,391 |
| Average earning assets | $20,709,500 | 5,376 |
| Average equity | $2,395,000 | 5,395 |
| Average total loans | $8,322,750 | 5,387 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1307% | 5,278 |
| Cost of funding earning assets | 0.4067% | 3,674 |
| Net interest margin | 2.7240% | 5,197 |
| Noninterest income to average assets | 0.1132% | 5,221 |
| Noninterest expense to average assets | 1.6453% | 5,234 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9750% | 3,126 |
| Return on assets (ROA) | 0.9750% | 3,127 |
| Pretax return on assets | 0.9750% | 3,732 |
| Return on Equity (ROE) | 9.3619% | 2,866 |
| Retained earnings to average equity (ytd only) | -5.4333% | 5,308 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7907% | 3,520 |
| Assets per employee ($millions) | 4.3822% | 3,303 |
| Cash dividends to net income (ytd only)* | 158.0357% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2735% | 2,302 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 39.2725% | 5,077 |
| Net loans and leases to deposits | 44.0627% | 5,142 |
| Net loans and leases to core deposits | 45.8640% | 5,156 |
| Total domestic deposits to total assets | 89.1287% | 882 |
| Equity capital to assets | 10.7800% | 2,853 |
| Core capital (leverage) ratio | 11.0552% | 2,475 |
| Tier 1 risk-based capital ratio | 18.1490% | 1,764 |
| Total risk-based capital ratio | 18.9829% | 1,833 |
| Memoranda: | ||
| Average total assets | $22,975,000 | 5,449 |
| Average earning assets | $21,145,670 | 5,435 |
| Average equity | $2,392,670 | 5,457 |
| Average total loans | $8,033,330 | 5,454 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0876% | 5,322 |
| Cost of funding earning assets | 0.3883% | 3,676 |
| Net interest margin | 2.6993% | 5,254 |
| Noninterest income to average assets | 0.1021% | 5,321 |
| Noninterest expense to average assets | 1.3613% | 5,467 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2252% | 1,908 |
| Return on assets (ROA) | 1.2252% | 1,919 |
| Pretax return on assets | 1.2252% | 2,661 |
| Return on Equity (ROE) | 11.9601% | 1,591 |
| Retained earnings to average equity (ytd only) | -10.7973% | 5,387 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6316% | 4,918 |
| Assets per employee ($millions) | 4.5192% | 3,122 |
| Cash dividends to net income (ytd only)* | 190.2778% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5245% | 1,373 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 31.7313% | 5,330 |
| Net loans and leases to deposits | 35.4599% | 5,368 |
| Net loans and leases to core deposits | 36.8581% | 5,378 |
| Total domestic deposits to total assets | 89.4849% | 895 |
| Equity capital to assets | 10.4620% | 3,115 |
| Core capital (leverage) ratio | 11.0234% | 2,413 |
| Tier 1 risk-based capital ratio | 18.9941% | 1,546 |
| Total risk-based capital ratio | 19.8664% | 1,624 |
| Memoranda: | ||
| Average total assets | $23,507,000 | 5,504 |
| Average earning assets | $21,635,000 | 5,491 |
| Average equity | $2,408,000 | 5,514 |
| Average total loans | $7,692,000 | 5,523 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0922% | 5,297 |
| Cost of funding earning assets | 0.4164% | 3,084 |
| Net interest margin | 2.6758% | 5,292 |
| Noninterest income to average assets | 0.1751% | 5,083 |
| Noninterest expense to average assets | 1.6151% | 5,406 |
| Loan and lease loss provision to assets | 0.0788% | 2,619 |
| Net operating income to assets | 0.9279% | 2,559 |
| Return on assets (ROA) | 0.9279% | 2,586 |
| Pretax return on assets | 0.9279% | 3,821 |
| Return on Equity (ROE) | 8.7114% | 2,444 |
| Retained earnings to average equity (ytd only) | -0.0411% | 5,029 |
| Net charge-offs to loans | 0.2196% | 1,183 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | 12.7778% | 2,444 |
| Efficiency ratio | 61.6027% | 4,002 |
| Assets per employee ($millions) | 4.8836% | 2,626 |
| Cash dividends to net income (ytd only)* | 100.4717% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3699% | 1,886 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 32.7300% | 5,378 |
| Net loans and leases to deposits | 36.4084% | 5,421 |
| Net loans and leases to core deposits | 37.7230% | 5,425 |
| Total domestic deposits to total assets | 89.8968% | 605 |
| Equity capital to assets | 10.0418% | 3,657 |
| Core capital (leverage) ratio | 10.9041% | 2,425 |
| Tier 1 risk-based capital ratio | 18.5940% | 1,620 |
| Total risk-based capital ratio | 19.4259% | 1,706 |
| Memoranda: | ||
| Average total assets | $22,847,400 | 5,574 |
| Average earning assets | $20,891,200 | 5,554 |
| Average equity | $2,433,600 | 5,574 |
| Average total loans | $8,196,000 | 5,573 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1531% | 5,288 |
| Cost of funding earning assets | 0.4226% | 2,960 |
| Net interest margin | 2.7305% | 5,296 |
| Noninterest income to average assets | 0.1128% | 5,434 |
| Noninterest expense to average assets | 1.5557% | 5,486 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0510% | 2,325 |
| Return on assets (ROA) | 1.0510% | 2,366 |
| Pretax return on assets | 1.0510% | 3,488 |
| Return on Equity (ROE) | 9.7155% | 2,249 |
| Retained earnings to average equity (ytd only) | -1.9761% | 5,427 |
| Net charge-offs to loans | 0.3407% | 616 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 8.4282% | 2,784 |
| Efficiency ratio | 59.6811% | 4,268 |
| Assets per employee ($millions) | 4.3298% | 3,422 |
| Cash dividends to net income (ytd only)* | 120.3398% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0369% | 3,866 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 39.6785% | 5,208 |
| Net loans and leases to deposits | 44.7536% | 5,295 |
| Net loans and leases to core deposits | 46.6113% | 5,297 |
| Total domestic deposits to total assets | 88.6600% | 1,035 |
| Equity capital to assets | 11.2800% | 2,590 |
| Core capital (leverage) ratio | 11.0627% | 2,400 |
| Tier 1 risk-based capital ratio | 18.3915% | 1,760 |
| Total risk-based capital ratio | 19.0699% | 1,856 |
| Memoranda: | ||
| Average total assets | $22,454,750 | 5,643 |
| Average earning assets | $20,508,500 | 5,626 |
| Average equity | $2,429,000 | 5,638 |
| Average total loans | $8,219,250 | 5,635 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0841% | 5,361 |
| Cost of funding earning assets | 0.4144% | 2,940 |
| Net interest margin | 2.6697% | 5,391 |
| Noninterest income to average assets | 0.1232% | 5,432 |
| Noninterest expense to average assets | 1.6547% | 5,450 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9066% | 2,883 |
| Return on assets (ROA) | 0.9066% | 2,930 |
| Pretax return on assets | 0.9066% | 3,910 |
| Return on Equity (ROE) | 8.4960% | 2,780 |
| Retained earnings to average equity (ytd only) | -6.1864% | 5,570 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6048% | 3,569 |
| Assets per employee ($millions) | 4.4702% | 3,157 |
| Cash dividends to net income (ytd only)* | 172.8155% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2719% | 2,562 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 38.5486% | 5,283 |
| Net loans and leases to deposits | 43.2313% | 5,361 |
| Net loans and leases to core deposits | 44.9523% | 5,375 |
| Total domestic deposits to total assets | 89.1683% | 874 |
| Equity capital to assets | 10.7646% | 3,067 |
| Core capital (leverage) ratio | 10.9610% | 2,451 |
| Tier 1 risk-based capital ratio | 17.9415% | 1,871 |
| Total risk-based capital ratio | 18.7682% | 1,955 |
| Memoranda: | ||
| Average total assets | $22,723,330 | 5,686 |
| Average earning assets | $20,751,670 | 5,668 |
| Average equity | $2,424,670 | 5,685 |
| Average total loans | $8,065,670 | 5,687 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0311% | 5,433 |
| Cost of funding earning assets | 0.4029% | 2,969 |
| Net interest margin | 2.6282% | 5,451 |
| Noninterest income to average assets | 0.1048% | 5,571 |
| Noninterest expense to average assets | 1.4666% | 5,653 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0301% | 2,167 |
| Return on assets (ROA) | 1.0301% | 2,218 |
| Pretax return on assets | 1.0301% | 3,237 |
| Return on Equity (ROE) | 9.6960% | 2,103 |
| Retained earnings to average equity (ytd only) | -12.9827% | 5,639 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7413% | 4,623 |
| Assets per employee ($millions) | 4.3920% | 3,347 |
| Cash dividends to net income (ytd only)* | 233.8983% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3875% | 2,124 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 35.9244% | 5,403 |
| Net loans and leases to deposits | 40.3612% | 5,461 |
| Net loans and leases to core deposits | 42.0007% | 5,468 |
| Total domestic deposits to total assets | 89.0073% | 1,136 |
| Equity capital to assets | 10.9244% | 2,721 |
| Core capital (leverage) ratio | 10.8713% | 2,515 |
| Tier 1 risk-based capital ratio | 18.2821% | 1,784 |
| Total risk-based capital ratio | 19.1266% | 1,871 |
| Memoranda: | ||
| Average total assets | $22,909,500 | 5,755 |
| Average earning assets | $20,850,500 | 5,737 |
| Average equity | $2,434,000 | 5,749 |
| Average total loans | $7,735,000 | 5,762 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0290% | 5,478 |
| Cost of funding earning assets | 0.4145% | 2,866 |
| Net interest margin | 2.6145% | 5,500 |
| Noninterest income to average assets | 0.1335% | 5,520 |
| Noninterest expense to average assets | 1.5808% | 5,660 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9433% | 2,614 |
| Return on assets (ROA) | 0.9433% | 2,724 |
| Pretax return on assets | 0.9433% | 3,677 |
| Return on Equity (ROE) | 8.8278% | 2,502 |
| Retained earnings to average equity (ytd only) | -3.8697% | 5,629 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6280% | 4,157 |
| Assets per employee ($millions) | 4.7718% | 2,689 |
| Cash dividends to net income (ytd only)* | 143.8356% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4859% | 1,725 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 30.8437% | 5,626 |
| Net loans and leases to deposits | 34.4281% | 5,670 |
| Net loans and leases to core deposits | 35.6990% | 5,679 |
| Total domestic deposits to total assets | 89.5888% | 829 |
| Equity capital to assets | 10.3483% | 3,330 |
| Core capital (leverage) ratio | 11.0680% | 2,286 |
| Tier 1 risk-based capital ratio | 19.3800% | 1,508 |
| Total risk-based capital ratio | 20.2467% | 1,564 |
| Memoranda: | ||
| Average total assets | $23,216,200 | 5,800 |
| Average earning assets | $21,228,000 | 5,780 |
| Average equity | $2,480,800 | 5,803 |
| Average total loans | $8,286,400 | 5,803 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0706% | 5,503 |
| Cost of funding earning assets | 0.4161% | 2,876 |
| Net interest margin | 2.6545% | 5,540 |
| Noninterest income to average assets | 0.0867% | 5,750 |
| Noninterest expense to average assets | 1.5036% | 5,755 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0178% | 2,347 |
| Return on assets (ROA) | 1.0178% | 2,481 |
| Pretax return on assets | 1.0178% | 3,565 |
| Return on Equity (ROE) | 9.4478% | 2,292 |
| Retained earnings to average equity (ytd only) | -7.4617% | 5,806 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6330% | 4,596 |
| Assets per employee ($millions) | 4.2370% | 3,532 |
| Cash dividends to net income (ytd only)* | 178.9781% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2876% | 2,753 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 40.1699% | 5,370 |
| Net loans and leases to deposits | 45.5299% | 5,467 |
| Net loans and leases to core deposits | 47.4624% | 5,467 |
| Total domestic deposits to total assets | 88.2275% | 1,281 |
| Equity capital to assets | 11.7064% | 2,347 |
| Core capital (leverage) ratio | 11.2619% | 2,219 |
| Tier 1 risk-based capital ratio | 27.6939% | 600 |
| Total risk-based capital ratio | 28.9542% | 584 |
| Memoranda: | ||
| Average total assets | $23,055,500 | 5,864 |
| Average earning assets | $21,146,250 | 5,843 |
| Average equity | $2,483,750 | 5,865 |
| Average total loans | $8,490,500 | 5,861 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9810% | 5,667 |
| Cost of funding earning assets | 0.4128% | 2,914 |
| Net interest margin | 2.5683% | 5,693 |
| Noninterest income to average assets | 0.0929% | 5,803 |
| Noninterest expense to average assets | 1.4781% | 5,853 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9798% | 2,470 |
| Return on assets (ROA) | 0.9798% | 2,618 |
| Pretax return on assets | 0.9798% | 3,661 |
| Return on Equity (ROE) | 9.3360% | 2,343 |
| Retained earnings to average equity (ytd only) | -13.1992% | 5,916 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1375% | 4,623 |
| Assets per employee ($millions) | 4.6886% | 2,738 |
| Cash dividends to net income (ytd only)* | 241.3793% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3505% | 2,528 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 34.5860% | 5,659 |
| Net loans and leases to deposits | 38.6814% | 5,730 |
| Net loans and leases to core deposits | 40.1346% | 5,738 |
| Total domestic deposits to total assets | 89.4126% | 725 |
| Equity capital to assets | 10.5191% | 3,614 |
| Core capital (leverage) ratio | 10.4988% | 2,979 |
| Tier 1 risk-based capital ratio | 16.5388% | 2,408 |
| Total risk-based capital ratio | 17.2993% | 2,561 |
| Memoranda: | ||
| Average total assets | $23,679,000 | 5,924 |
| Average earning assets | $21,804,670 | 5,910 |
| Average equity | $2,485,000 | 5,940 |
| Average total loans | $8,447,000 | 5,936 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1480% | 5,551 |
| Cost of funding earning assets | 0.4210% | 2,852 |
| Net interest margin | 2.7271% | 5,578 |
| Noninterest income to average assets | 0.1009% | 5,820 |
| Noninterest expense to average assets | 1.3951% | 5,964 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2102% | 1,519 |
| Return on assets (ROA) | 1.2102% | 1,621 |
| Pretax return on assets | 1.2102% | 2,657 |
| Return on Equity (ROE) | 11.5454% | 1,445 |
| Retained earnings to average equity (ytd only) | -25.9771% | 6,008 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5484% | 5,419 |
| Assets per employee ($millions) | 4.6440% | 2,828 |
| Cash dividends to net income (ytd only)* | 325.0000% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3865% | 2,490 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 34.0009% | 5,718 |
| Net loans and leases to deposits | 38.0170% | 5,777 |
| Net loans and leases to core deposits | 39.4592% | 5,786 |
| Total domestic deposits to total assets | 89.4358% | 868 |
| Equity capital to assets | 10.5039% | 3,489 |
| Core capital (leverage) ratio | 10.3865% | 3,087 |
| Tier 1 risk-based capital ratio | 19.9061% | 1,520 |
| Total risk-based capital ratio | 20.8206% | 1,568 |
| Memoranda: | ||
| Average total assets | $23,797,000 | 5,986 |
| Average earning assets | $21,855,000 | 5,970 |
| Average equity | $2,494,500 | 5,994 |
| Average total loans | $8,561,000 | 5,990 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1891% | 5,529 |
| Cost of funding earning assets | 0.4516% | 2,609 |
| Net interest margin | 2.7375% | 5,611 |
| Noninterest income to average assets | 0.6721% | 2,337 |
| Noninterest expense to average assets | 1.5850% | 5,933 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.5724% | 747 |
| Return on assets (ROA) | 1.6188% | 693 |
| Pretax return on assets | 1.6188% | 1,192 |
| Return on Equity (ROE) | 15.2919% | 644 |
| Retained earnings to average equity (ytd only) | 3.0743% | 3,870 |
| Net charge-offs to loans | -0.0108% | 5,125 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2008% | 5,752 |
| Assets per employee ($millions) | 4.8748% | 2,496 |
| Cash dividends to net income (ytd only)* | 79.8956% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2176% | 3,372 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 36.9451% | 5,669 |
| Net loans and leases to deposits | 41.2960% | 5,731 |
| Net loans and leases to core deposits | 42.7832% | 5,746 |
| Total domestic deposits to total assets | 89.4642% | 876 |
| Equity capital to assets | 10.4620% | 3,402 |
| Core capital (leverage) ratio | 10.6953% | 2,713 |
| Tier 1 risk-based capital ratio | 17.6842% | 2,061 |
| Total risk-based capital ratio | 18.4456% | 2,174 |
| Memoranda: | ||
| Average total assets | $23,658,800 | 6,045 |
| Average earning assets | $21,479,400 | 6,036 |
| Average equity | $2,504,600 | 6,050 |
| Average total loans | $9,301,200 | 6,027 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1802% | 5,616 |
| Cost of funding earning assets | 0.4570% | 2,619 |
| Net interest margin | 2.7232% | 5,698 |
| Noninterest income to average assets | 0.8745% | 1,528 |
| Noninterest expense to average assets | 1.5388% | 6,016 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.8057% | 511 |
| Return on assets (ROA) | 1.8682% | 470 |
| Pretax return on assets | 1.8682% | 768 |
| Return on Equity (ROE) | 17.5939% | 431 |
| Retained earnings to average equity (ytd only) | 1.2301% | 5,231 |
| Net charge-offs to loans | -0.0286% | 5,343 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0102% | 5,962 |
| Assets per employee ($millions) | 4.5626% | 2,899 |
| Cash dividends to net income (ytd only)* | 93.0083% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1464% | 3,949 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 42.3355% | 5,468 |
| Net loans and leases to deposits | 47.6679% | 5,587 |
| Net loans and leases to core deposits | 49.5206% | 5,592 |
| Total domestic deposits to total assets | 88.8134% | 1,120 |
| Equity capital to assets | 11.1165% | 2,891 |
| Core capital (leverage) ratio | 11.0387% | 2,444 |
| Tier 1 risk-based capital ratio | 17.0415% | 2,363 |
| Total risk-based capital ratio | 17.7980% | 2,507 |
| Memoranda: | ||
| Average total assets | $23,480,000 | 6,134 |
| Average earning assets | $21,298,250 | 6,122 |
| Average equity | $2,493,250 | 6,135 |
| Average total loans | $9,347,500 | 6,108 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1509% | 5,687 |
| Cost of funding earning assets | 0.4554% | 2,654 |
| Net interest margin | 2.6955% | 5,767 |
| Noninterest income to average assets | 1.1898% | 857 |
| Noninterest expense to average assets | 1.6876% | 5,980 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.9492% | 399 |
| Return on assets (ROA) | 2.0420% | 360 |
| Pretax return on assets | 2.0420% | 557 |
| Return on Equity (ROE) | 19.5240% | 295 |
| Retained earnings to average equity (ytd only) | 1.6136% | 4,890 |
| Net charge-offs to loans | -0.0434% | 5,491 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4037% | 6,024 |
| Assets per employee ($millions) | 4.5980% | 2,832 |
| Cash dividends to net income (ytd only)* | 91.7355% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1728% | 3,957 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 41.0526% | 5,571 |
| Net loans and leases to deposits | 46.1426% | 5,668 |
| Net loans and leases to core deposits | 47.9135% | 5,693 |
| Total domestic deposits to total assets | 88.9691% | 1,158 |
| Equity capital to assets | 10.9526% | 2,934 |
| Core capital (leverage) ratio | 10.7921% | 2,620 |
| Tier 1 risk-based capital ratio | 17.3644% | 2,262 |
| Total risk-based capital ratio | 18.1355% | 2,403 |
| Memoranda: | ||
| Average total assets | $23,702,330 | 6,204 |
| Average earning assets | $21,517,670 | 6,189 |
| Average equity | $2,479,000 | 6,206 |
| Average total loans | $9,206,670 | 6,179 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2241% | 5,612 |
| Cost of funding earning assets | 0.4397% | 2,882 |
| Net interest margin | 2.7845% | 5,678 |
| Noninterest income to average assets | 0.0998% | 6,082 |
| Noninterest expense to average assets | 1.5296% | 6,163 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0973% | 1,882 |
| Return on assets (ROA) | 1.0973% | 1,991 |
| Pretax return on assets | 1.0973% | 3,090 |
| Return on Equity (ROE) | 10.7339% | 1,724 |
| Retained earnings to average equity (ytd only) | -15.2877% | 6,224 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2278% | 5,309 |
| Assets per employee ($millions) | 4.6658% | 2,811 |
| Cash dividends to net income (ytd only)* | 242.4242% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 3,600 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7244% | 3,326 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 36.7611% | 5,794 |
| Net loans and leases to deposits | 41.0531% | 5,874 |
| Net loans and leases to core deposits | 42.5946% | 5,880 |
| Total domestic deposits to total assets | 89.5452% | 970 |
| Equity capital to assets | 10.3862% | 3,674 |
| Core capital (leverage) ratio | 10.3723% | 3,132 |
| Tier 1 risk-based capital ratio | 16.7269% | 2,587 |
| Total risk-based capital ratio | 17.4913% | 2,750 |
| Memoranda: | ||
| Average total assets | $24,058,500 | 6,266 |
| Average earning assets | $21,835,500 | 6,250 |
| Average equity | $2,459,500 | 6,274 |
| Average total loans | $9,035,000 | 6,250 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2877% | 5,717 |
| Cost of funding earning assets | 0.4881% | 2,794 |
| Net interest margin | 2.7996% | 5,808 |
| Noninterest income to average assets | 0.1540% | 5,925 |
| Noninterest expense to average assets | 1.6508% | 6,201 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0050% | 2,355 |
| Return on assets (ROA) | 1.0050% | 2,441 |
| Pretax return on assets | 1.0050% | 3,474 |
| Return on Equity (ROE) | 9.4188% | 2,379 |
| Retained earnings to average equity (ytd only) | -1.2425% | 5,949 |
| Net charge-offs to loans | -0.0429% | 5,882 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1578% | 4,888 |
| Assets per employee ($millions) | 4.9576% | 2,375 |
| Cash dividends to net income (ytd only)* | 113.1915% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1722% | 4,153 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6818% | 3,530 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 37.4133% | 5,884 |
| Net loans and leases to deposits | 41.6379% | 5,977 |
| Net loans and leases to core deposits | 43.0968% | 5,989 |
| Total domestic deposits to total assets | 89.8540% | 793 |
| Equity capital to assets | 10.0694% | 4,022 |
| Core capital (leverage) ratio | 10.8654% | 2,540 |
| Tier 1 risk-based capital ratio | 20.0096% | 1,603 |
| Total risk-based capital ratio | 20.8897% | 1,636 |
| Memoranda: | ||
| Average total assets | $23,383,200 | 6,364 |
| Average earning assets | $20,896,000 | 6,356 |
| Average equity | $2,495,000 | 6,354 |
| Average total loans | $9,325,200 | 6,333 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3362% | 5,695 |
| Cost of funding earning assets | 0.5037% | 2,720 |
| Net interest margin | 2.8325% | 5,823 |
| Noninterest income to average assets | 0.1042% | 6,238 |
| Noninterest expense to average assets | 1.4067% | 6,402 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2041% | 1,667 |
| Return on assets (ROA) | 1.2041% | 1,733 |
| Pretax return on assets | 1.2041% | 2,761 |
| Return on Equity (ROE) | 11.1165% | 1,749 |
| Retained earnings to average equity (ytd only) | -3.0997% | 6,151 |
| Net charge-offs to loans | -0.0287% | 5,723 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8803% | 5,834 |
| Assets per employee ($millions) | 4.6052% | 2,804 |
| Cash dividends to net income (ytd only)* | 127.8837% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1977% | 4,238 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7340% | 3,617 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 38.6910% | 5,904 |
| Net loans and leases to deposits | 43.4119% | 6,004 |
| Net loans and leases to core deposits | 45.0678% | 5,995 |
| Total domestic deposits to total assets | 89.1253% | 1,164 |
| Equity capital to assets | 10.8008% | 3,182 |
| Core capital (leverage) ratio | 11.0609% | 2,423 |
| Tier 1 risk-based capital ratio | 20.8706% | 1,477 |
| Total risk-based capital ratio | 21.7817% | 1,511 |
| Memoranda: | ||
| Average total assets | $23,032,000 | 6,448 |
| Average earning assets | $20,382,000 | 6,438 |
| Average equity | $2,494,750 | 6,428 |
| Average total loans | $9,310,500 | 6,406 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3054% | 5,780 |
| Cost of funding earning assets | 0.5017% | 2,816 |
| Net interest margin | 2.8036% | 5,898 |
| Noninterest income to average assets | 0.1129% | 6,230 |
| Noninterest expense to average assets | 1.4761% | 6,435 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1114% | 1,894 |
| Return on assets (ROA) | 1.1114% | 1,964 |
| Pretax return on assets | 1.1114% | 3,053 |
| Return on Equity (ROE) | 10.2509% | 2,034 |
| Retained earnings to average equity (ytd only) | -8.6492% | 6,388 |
| Net charge-offs to loans | -0.0425% | 5,803 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0470% | 5,651 |
| Assets per employee ($millions) | 4.4040% | 3,083 |
| Cash dividends to net income (ytd only)* | 184.3750% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1455% | 4,680 |
| Loan loss allowance to noncurrent loans | 63.9053% | 4,694 |
| Noncurrent assets plus other real estate owned to assets | 0.7675% | 3,670 |
| Noncurrent loans to loans | 1.7925% | 1,920 |
| Net loans and leases to total assets | 42.3252% | 5,655 |
| Net loans and leases to deposits | 47.7068% | 5,786 |
| Net loans and leases to core deposits | 49.6167% | 5,817 |
| Total domestic deposits to total assets | 88.7193% | 1,521 |
| Equity capital to assets | 11.1853% | 2,709 |
| Core capital (leverage) ratio | 11.0307% | 2,391 |
| Tier 1 risk-based capital ratio | 20.5198% | 1,562 |
| Total risk-based capital ratio | 21.4340% | 1,613 |
| Memoranda: | ||
| Average total assets | $23,034,000 | 6,514 |
| Average earning assets | $20,330,670 | 6,506 |
| Average equity | $2,497,330 | 6,486 |
| Average total loans | $9,408,330 | 6,466 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2668% | 5,905 |
| Cost of funding earning assets | 0.5026% | 2,879 |
| Net interest margin | 2.7642% | 6,008 |
| Noninterest income to average assets | 0.1189% | 6,251 |
| Noninterest expense to average assets | 1.5632% | 6,457 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9855% | 2,267 |
| Return on assets (ROA) | 0.9855% | 2,323 |
| Pretax return on assets | 0.9855% | 3,384 |
| Return on Equity (ROE) | 9.2265% | 2,361 |
| Retained earnings to average equity (ytd only) | -21.3164% | 6,542 |
| Net charge-offs to loans | -0.0426% | 5,739 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3333% | 5,227 |
| Assets per employee ($millions) | 4.5512% | 2,893 |
| Cash dividends to net income (ytd only)* | 331.0345% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1679% | 4,786 |
| Loan loss allowance to noncurrent loans | 63.3136% | 4,725 |
| Noncurrent assets plus other real estate owned to assets | 0.7427% | 3,897 |
| Noncurrent loans to loans | 1.8446% | 2,078 |
| Net loans and leases to total assets | 39.7917% | 5,823 |
| Net loans and leases to deposits | 44.6213% | 5,939 |
| Net loans and leases to core deposits | 46.3385% | 5,970 |
| Total domestic deposits to total assets | 89.1765% | 1,549 |
| Equity capital to assets | 10.7400% | 2,995 |
| Core capital (leverage) ratio | 10.3992% | 3,045 |
| Tier 1 risk-based capital ratio | 20.4449% | 1,602 |
| Total risk-based capital ratio | 21.3567% | 1,661 |
| Memoranda: | ||
| Average total assets | $23,541,000 | 6,575 |
| Average earning assets | $20,693,000 | 6,567 |
| Average equity | $2,514,500 | 6,539 |
| Average total loans | $9,398,500 | 6,536 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3283% | 5,958 |
| Cost of funding earning assets | 0.5879% | 2,769 |
| Net interest margin | 2.7404% | 6,085 |
| Noninterest income to average assets | 0.1565% | 6,151 |
| Noninterest expense to average assets | 1.4593% | 6,595 |
| Loan and lease loss provision to assets | 0.0634% | 3,866 |
| Net operating income to assets | 1.0786% | 2,003 |
| Return on assets (ROA) | 1.0786% | 2,084 |
| Pretax return on assets | 1.0786% | 3,039 |
| Return on Equity (ROE) | 9.8555% | 2,169 |
| Retained earnings to average equity (ytd only) | -0.6184% | 5,993 |
| Net charge-offs to loans | 0.1442% | 3,359 |
| Credit loss provision to net charge-offs | 115.3846% | 2,095 |
| Earnings coverage of net charge-offs (x) | 20.7692% | 1,527 |
| Efficiency ratio | 56.0976% | 5,939 |
| Assets per employee ($millions) | 4.8652% | 2,356 |
| Cash dividends to net income (ytd only)* | 106.2745% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1002% | 5,146 |
| Loan loss allowance to noncurrent loans | 62.7219% | 4,768 |
| Noncurrent assets plus other real estate owned to assets | 0.6947% | 4,170 |
| Noncurrent loans to loans | 1.7540% | 2,299 |
| Net loans and leases to total assets | 39.1721% | 6,018 |
| Net loans and leases to deposits | 43.8801% | 6,130 |
| Net loans and leases to core deposits | 45.4498% | 6,162 |
| Total domestic deposits to total assets | 89.2707% | 1,447 |
| Equity capital to assets | 10.6265% | 3,009 |
| Core capital (leverage) ratio | 10.7271% | 2,650 |
| Tier 1 risk-based capital ratio | 20.4044% | 1,560 |
| Total risk-based capital ratio | 21.2583% | 1,624 |
| Memoranda: | ||
| Average total assets | $23,641,400 | 6,648 |
| Average earning assets | $21,091,600 | 6,634 |
| Average equity | $2,587,400 | 6,607 |
| Average total loans | $9,015,800 | 6,619 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2406% | 6,148 |
| Cost of funding earning assets | 0.6164% | 2,677 |
| Net interest margin | 2.6243% | 6,288 |
| Noninterest income to average assets | 0.1136% | 6,438 |
| Noninterest expense to average assets | 1.4713% | 6,655 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9884% | 2,424 |
| Return on assets (ROA) | 0.9884% | 2,524 |
| Pretax return on assets | 0.9884% | 3,547 |
| Return on Equity (ROE) | 8.9641% | 2,652 |
| Retained earnings to average equity (ytd only) | -4.9973% | 6,494 |
| Net charge-offs to loans | 0.0150% | 4,830 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 174.4286% | 323 |
| Efficiency ratio | 59.8152% | 5,467 |
| Assets per employee ($millions) | 4.7738% | 2,470 |
| Cash dividends to net income (ytd only)* | 155.7481% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1559% | 5,093 |
| Loan loss allowance to noncurrent loans | 60.9467% | 4,785 |
| Noncurrent assets plus other real estate owned to assets | 0.7080% | 4,334 |
| Noncurrent loans to loans | 1.8965% | 2,375 |
| Net loans and leases to total assets | 36.9014% | 6,230 |
| Net loans and leases to deposits | 41.3250% | 6,340 |
| Net loans and leases to core deposits | 42.8321% | 6,360 |
| Total domestic deposits to total assets | 89.2957% | 1,411 |
| Equity capital to assets | 10.6121% | 3,149 |
| Core capital (leverage) ratio | 10.3887% | 3,121 |
| Tier 1 risk-based capital ratio | 20.9005% | 1,512 |
| Total risk-based capital ratio | 21.7788% | 1,568 |
| Memoranda: | ||
| Average total assets | $23,470,250 | 6,727 |
| Average earning assets | $20,983,000 | 6,711 |
| Average equity | $2,588,000 | 6,687 |
| Average total loans | $8,861,000 | 6,700 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2331% | 6,190 |
| Cost of funding earning assets | 0.6258% | 2,726 |
| Net interest margin | 2.6074% | 6,326 |
| Noninterest income to average assets | 0.1285% | 6,413 |
| Noninterest expense to average assets | 1.3112% | 6,784 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1741% | 1,658 |
| Return on assets (ROA) | 1.1741% | 1,770 |
| Pretax return on assets | 1.1741% | 2,789 |
| Return on Equity (ROE) | 10.5129% | 2,007 |
| Retained earnings to average equity (ytd only) | -8.9014% | 6,636 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7586% | 6,237 |
| Assets per employee ($millions) | 4.6386% | 2,594 |
| Cash dividends to net income (ytd only)* | 184.6715% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1506% | 5,238 |
| Loan loss allowance to noncurrent loans | 61.5385% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 0.7287% | 4,398 |
| Noncurrent loans to loans | 1.8697% | 2,534 |
| Net loans and leases to total assets | 38.5246% | 6,140 |
| Net loans and leases to deposits | 43.2730% | 6,270 |
| Net loans and leases to core deposits | 43.2730% | 6,359 |
| Total domestic deposits to total assets | 89.0269% | 1,620 |
| Equity capital to assets | 10.8438% | 2,902 |
| Core capital (leverage) ratio | 10.4587% | 2,934 |
| Tier 1 risk-based capital ratio | 20.8913% | 1,513 |
| Total risk-based capital ratio | 21.7843% | 1,576 |
| Memoranda: | ||
| Average total assets | $23,337,330 | 6,778 |
| Average earning assets | $21,094,000 | 6,758 |
| Average equity | $2,606,330 | 6,731 |
| Average total loans | $8,844,330 | 6,746 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2233% | 6,274 |
| Cost of funding earning assets | 0.6331% | 2,815 |
| Net interest margin | 2.5901% | 6,389 |
| Noninterest income to average assets | 0.1196% | 6,505 |
| Noninterest expense to average assets | 1.4011% | 6,819 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0252% | 2,126 |
| Return on assets (ROA) | 1.0252% | 2,240 |
| Pretax return on assets | 1.0252% | 3,243 |
| Return on Equity (ROE) | 9.0498% | 2,468 |
| Retained earnings to average equity (ytd only) | -22.3228% | 6,857 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7465% | 5,880 |
| Assets per employee ($millions) | 4.7240% | 2,605 |
| Cash dividends to net income (ytd only)* | 346.6667% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2418% | 4,990 |
| Loan loss allowance to noncurrent loans | 60.8187% | 4,687 |
| Noncurrent assets plus other real estate owned to assets | 0.7240% | 4,558 |
| Noncurrent loans to loans | 2.0418% | 2,577 |
| Net loans and leases to total assets | 35.0169% | 6,361 |
| Net loans and leases to deposits | 39.3370% | 6,449 |
| Net loans and leases to core deposits | 39.3370% | 6,510 |
| Total domestic deposits to total assets | 89.0178% | 1,673 |
| Equity capital to assets | 10.8764% | 3,103 |
| Core capital (leverage) ratio | 10.1526% | 3,214 |
| Tier 1 risk-based capital ratio | 21.3898% | 1,449 |
| Total risk-based capital ratio | 22.3163% | 1,492 |
| Memoranda: | ||
| Average total assets | $23,409,500 | 6,848 |
| Average earning assets | $20,848,500 | 6,833 |
| Average equity | $2,652,000 | 6,789 |
| Average total loans | $8,747,000 | 6,825 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7371% | 5,976 |
| Cost of funding earning assets | 0.7414% | 3,147 |
| Net interest margin | 2.9957% | 6,059 |
| Noninterest income to average assets | 0.2058% | 5,939 |
| Noninterest expense to average assets | 1.5779% | 6,821 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.3630% | 1,168 |
| Return on assets (ROA) | 1.3630% | 1,296 |
| Pretax return on assets | 1.3630% | 2,163 |
| Return on Equity (ROE) | 11.0772% | 1,782 |
| Retained earnings to average equity (ytd only) | 1.1895% | 5,278 |
| Net charge-offs to loans | 0.0436% | 5,305 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 74.5000% | 501 |
| Efficiency ratio | 53.6547% | 6,296 |
| Assets per employee ($millions) | 4.6398% | 2,715 |
| Cash dividends to net income (ytd only)* | 89.2617% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1405% | 5,386 |
| Loan loss allowance to noncurrent loans | 60.4651% | 4,644 |
| Noncurrent assets plus other real estate owned to assets | 0.7414% | 4,621 |
| Noncurrent loans to loans | 1.8862% | 2,822 |
| Net loans and leases to total assets | 38.8594% | 6,238 |
| Net loans and leases to deposits | 44.1220% | 6,360 |
| Net loans and leases to core deposits | 44.1220% | 6,463 |
| Total domestic deposits to total assets | 88.0728% | 2,194 |
| Equity capital to assets | 11.7893% | 2,193 |
| Core capital (leverage) ratio | 11.2381% | 2,061 |
| Tier 1 risk-based capital ratio | 21.7506% | 1,314 |
| Total risk-based capital ratio | 22.6388% | 1,358 |
| Memoranda: | ||
| Average total assets | $21,864,000 | 6,933 |
| Average earning assets | $19,962,000 | 6,907 |
| Average equity | $2,690,200 | 6,846 |
| Average total loans | $9,166,600 | 6,876 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8166% | 5,986 |
| Cost of funding earning assets | 0.7566% | 3,297 |
| Net interest margin | 3.0601% | 6,043 |
| Noninterest income to average assets | 0.1300% | 6,484 |
| Noninterest expense to average assets | 1.4553% | 6,961 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.4801% | 1,060 |
| Return on assets (ROA) | 1.4801% | 1,173 |
| Pretax return on assets | 1.4801% | 1,955 |
| Return on Equity (ROE) | 11.8947% | 1,667 |
| Retained earnings to average equity (ytd only) | -1.3438% | 6,312 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5781% | 6,618 |
| Assets per employee ($millions) | 4.2440% | 3,376 |
| Cash dividends to net income (ytd only)* | 111.2973% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1382% | 5,565 |
| Loan loss allowance to noncurrent loans | 62.4277% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 0.8153% | 4,665 |
| Noncurrent loans to loans | 1.8232% | 3,046 |
| Net loans and leases to total assets | 44.2083% | 5,947 |
| Net loans and leases to deposits | 50.7163% | 6,058 |
| Net loans and leases to core deposits | 50.7163% | 6,248 |
| Total domestic deposits to total assets | 87.1678% | 2,577 |
| Equity capital to assets | 12.7003% | 1,767 |
| Core capital (leverage) ratio | 11.4002% | 2,055 |
| Tier 1 risk-based capital ratio | 21.3666% | 1,443 |
| Total risk-based capital ratio | 22.2938% | 1,482 |
| Memoranda: | ||
| Average total assets | $21,530,250 | 7,030 |
| Average earning assets | $19,737,500 | 7,001 |
| Average equity | $2,679,000 | 6,936 |
| Average total loans | $9,178,500 | 6,966 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7838% | 6,181 |
| Cost of funding earning assets | 0.7689% | 3,448 |
| Net interest margin | 3.0149% | 6,213 |
| Noninterest income to average assets | 0.1387% | 6,500 |
| Noninterest expense to average assets | 1.2850% | 7,111 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.6086% | 824 |
| Return on assets (ROA) | 1.6086% | 918 |
| Pretax return on assets | 1.6086% | 1,522 |
| Return on Equity (ROE) | 13.0158% | 1,361 |
| Retained earnings to average equity (ytd only) | -4.6378% | 6,598 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4089% | 6,938 |
| Assets per employee ($millions) | 4.3476% | 3,172 |
| Cash dividends to net income (ytd only)* | 135.6322% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1568% | 5,541 |
| Loan loss allowance to noncurrent loans | 61.7143% | 4,567 |
| Noncurrent assets plus other real estate owned to assets | 0.8050% | 4,791 |
| Noncurrent loans to loans | 1.8745% | 3,108 |
| Net loans and leases to total assets | 42.4510% | 6,159 |
| Net loans and leases to deposits | 48.4715% | 6,283 |
| Net loans and leases to core deposits | 48.4715% | 6,432 |
| Total domestic deposits to total assets | 87.5794% | 2,415 |
| Equity capital to assets | 12.2504% | 1,964 |
| Core capital (leverage) ratio | 11.1394% | 2,171 |
| Tier 1 risk-based capital ratio | 21.1685% | 1,448 |
| Total risk-based capital ratio | 22.1004% | 1,481 |
| Memoranda: | ||
| Average total assets | $21,633,670 | 7,087 |
| Average earning assets | $19,768,330 | 7,057 |
| Average equity | $2,673,670 | 6,976 |
| Average total loans | $9,075,000 | 7,038 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7312% | 6,388 |
| Cost of funding earning assets | 0.7748% | 3,661 |
| Net interest margin | 2.9564% | 6,379 |
| Noninterest income to average assets | 0.1668% | 6,387 |
| Noninterest expense to average assets | 1.5013% | 7,060 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3530% | 1,312 |
| Return on assets (ROA) | 1.3530% | 1,466 |
| Pretax return on assets | 1.3530% | 2,353 |
| Return on Equity (ROE) | 10.8996% | 2,058 |
| Retained earnings to average equity (ytd only) | -15.3789% | 6,984 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5974% | 6,486 |
| Assets per employee ($millions) | 4.2962% | 3,406 |
| Cash dividends to net income (ytd only)* | 241.0959% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2090% | 5,444 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 41.0828% | 6,258 |
| Net loans and leases to deposits | 46.8742% | 6,366 |
| Net loans and leases to core deposits | 46.8742% | 6,515 |
| Total domestic deposits to total assets | 87.6449% | 2,558 |
| Equity capital to assets | 12.2108% | 1,906 |
| Core capital (leverage) ratio | 11.1249% | 2,168 |
| Tier 1 risk-based capital ratio | 21.5223% | 1,377 |
| Total risk-based capital ratio | 22.4859% | 1,418 |
| Memoranda: | ||
| Average total assets | $21,581,500 | 7,146 |
| Average earning assets | $19,618,500 | 7,121 |
| Average equity | $2,679,000 | 7,024 |
| Average total loans | $8,944,500 | 7,101 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7219% | 6,821 |
| Cost of funding earning assets | 0.9174% | 3,979 |
| Net interest margin | 2.8044% | 6,819 |
| Noninterest income to average assets | 0.1423% | 6,437 |
| Noninterest expense to average assets | 1.5658% | 7,135 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.1293% | 1,729 |
| Return on assets (ROA) | 1.1293% | 1,847 |
| Pretax return on assets | 1.1293% | 2,726 |
| Return on Equity (ROE) | 9.0646% | 2,417 |
| Retained earnings to average equity (ytd only) | 0.5713% | 5,576 |
| Net charge-offs to loans | 0.0475% | 5,833 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 59.5000% | 483 |
| Efficiency ratio | 58.0986% | 6,044 |
| Assets per employee ($millions) | 4.3364% | 3,188 |
| Cash dividends to net income (ytd only)* | 93.6975% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2059% | 5,359 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 40.8080% | 6,483 |
| Net loans and leases to deposits | 46.7876% | 6,581 |
| Net loans and leases to core deposits | 46.7876% | 6,702 |
| Total domestic deposits to total assets | 87.2198% | 2,633 |
| Equity capital to assets | 12.6141% | 1,735 |
| Core capital (leverage) ratio | 11.9544% | 1,618 |
| Tier 1 risk-based capital ratio | 22.3189% | 1,194 |
| Total risk-based capital ratio | 23.2777% | 1,206 |
| Memoranda: | ||
| Average total assets | $21,075,400 | 7,182 |
| Average earning assets | $19,184,000 | 7,157 |
| Average equity | $2,625,600 | 7,088 |
| Average total loans | $8,422,000 | 7,167 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6260% | 6,998 |
| Cost of funding earning assets | 0.9538% | 4,015 |
| Net interest margin | 2.6722% | 7,013 |
| Noninterest income to average assets | 0.1147% | 6,686 |
| Noninterest expense to average assets | 1.4847% | 7,236 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.0578% | 2,115 |
| Return on assets (ROA) | 1.0578% | 2,253 |
| Pretax return on assets | 1.0578% | 3,178 |
| Return on Equity (ROE) | 8.5184% | 2,809 |
| Retained earnings to average equity (ytd only) | -2.9250% | 6,410 |
| Net charge-offs to loans | 0.2573% | 3,823 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 10.3765% | 1,929 |
| Efficiency ratio | 58.3960% | 5,955 |
| Assets per employee ($millions) | 3.9932% | 3,861 |
| Cash dividends to net income (ytd only)* | 134.3379% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0985% | 5,899 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 43.2886% | 6,398 |
| Net loans and leases to deposits | 50.1334% | 6,492 |
| Net loans and leases to core deposits | 50.1334% | 6,662 |
| Total domestic deposits to total assets | 86.3468% | 3,015 |
| Equity capital to assets | 13.5030% | 1,365 |
| Core capital (leverage) ratio | 11.8113% | 1,821 |
| Tier 1 risk-based capital ratio | 22.6948% | 1,189 |
| Total risk-based capital ratio | 23.5862% | 1,211 |
| Memoranda: | ||
| Average total assets | $20,923,750 | 7,255 |
| Average earning assets | $19,010,500 | 7,233 |
| Average equity | $2,598,250 | 7,162 |
| Average total loans | $8,288,500 | 7,242 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6889% | 7,025 |
| Cost of funding earning assets | 0.9740% | 4,131 |
| Net interest margin | 2.7149% | 7,014 |
| Noninterest income to average assets | 0.1130% | 6,765 |
| Noninterest expense to average assets | 1.3746% | 7,367 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.2051% | 1,554 |
| Return on assets (ROA) | 1.2051% | 1,641 |
| Pretax return on assets | 1.2051% | 2,463 |
| Return on Equity (ROE) | 9.9779% | 2,121 |
| Retained earnings to average equity (ytd only) | -6.0803% | 6,661 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2847% | 6,685 |
| Assets per employee ($millions) | 4.1954% | 3,357 |
| Cash dividends to net income (ytd only)* | 160.9375% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2668% | 5,216 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 41.6122% | 6,620 |
| Net loans and leases to deposits | 47.7151% | 6,741 |
| Net loans and leases to core deposits | 47.7151% | 6,867 |
| Total domestic deposits to total assets | 87.2098% | 2,618 |
| Equity capital to assets | 12.5852% | 1,737 |
| Core capital (leverage) ratio | 11.6351% | 1,828 |
| Tier 1 risk-based capital ratio | 21.9078% | 1,269 |
| Total risk-based capital ratio | 22.9204% | 1,275 |
| Memoranda: | ||
| Average total assets | $21,243,000 | 7,317 |
| Average earning assets | $19,301,000 | 7,303 |
| Average equity | $2,565,670 | 7,234 |
| Average total loans | $8,138,330 | 7,318 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5339% | 7,191 |
| Cost of funding earning assets | 1.0155% | 4,084 |
| Net interest margin | 2.5184% | 7,182 |
| Noninterest income to average assets | 0.1310% | 6,759 |
| Noninterest expense to average assets | 1.5157% | 7,353 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9356% | 2,422 |
| Return on assets (ROA) | 0.9356% | 2,483 |
| Pretax return on assets | 0.9356% | 3,381 |
| Return on Equity (ROE) | 7.9098% | 2,954 |
| Retained earnings to average equity (ytd only) | -17.7180% | 7,111 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8321% | 5,708 |
| Assets per employee ($millions) | 4.2312% | 3,395 |
| Cash dividends to net income (ytd only)* | 324.0000% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4762% | 4,318 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 35.3328% | 7,032 |
| Net loans and leases to deposits | 40.0847% | 7,100 |
| Net loans and leases to core deposits | 40.0847% | 7,163 |
| Total domestic deposits to total assets | 88.1452% | 2,293 |
| Equity capital to assets | 11.6610% | 2,152 |
| Core capital (leverage) ratio | 10.1556% | 2,968 |
| Tier 1 risk-based capital ratio | 23.6091% | 1,011 |
| Total risk-based capital ratio | 24.7159% | 1,017 |
| Memoranda: | ||
| Average total assets | $21,376,000 | 7,374 |
| Average earning assets | $19,695,000 | 7,349 |
| Average equity | $2,528,500 | 7,288 |
| Average total loans | $7,787,000 | 7,393 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1740% | 6,964 |
| Cost of funding earning assets | 1.3436% | 3,623 |
| Net interest margin | 2.8304% | 6,995 |
| Noninterest income to average assets | 0.2602% | 5,936 |
| Noninterest expense to average assets | 1.4825% | 7,455 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.1045% | 1,693 |
| Return on assets (ROA) | 1.1045% | 1,765 |
| Pretax return on assets | 1.1045% | 2,563 |
| Return on Equity (ROE) | 8.8666% | 2,356 |
| Retained earnings to average equity (ytd only) | 1.2216% | 4,942 |
| Net charge-offs to loans | -0.1283% | 7,516 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3055% | 6,417 |
| Assets per employee ($millions) | 4.3192% | 3,166 |
| Cash dividends to net income (ytd only)* | 86.2222% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4023% | 4,495 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 36.4651% | 7,140 |
| Net loans and leases to deposits | 41.5502% | 7,203 |
| Net loans and leases to core deposits | 41.5502% | 7,272 |
| Total domestic deposits to total assets | 87.7616% | 2,387 |
| Equity capital to assets | 11.9930% | 1,917 |
| Core capital (leverage) ratio | 11.6842% | 1,735 |
| Tier 1 risk-based capital ratio | 23.7986% | 950 |
| Total risk-based capital ratio | 24.8644% | 946 |
| Memoranda: | ||
| Average total assets | $20,371,200 | 7,457 |
| Average earning assets | $16,746,600 | 7,481 |
| Average equity | $2,537,600 | 7,387 |
| Average total loans | $7,796,600 | 7,473 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3220% | 6,938 |
| Cost of funding earning assets | 1.4101% | 3,521 |
| Net interest margin | 2.9119% | 6,990 |
| Noninterest income to average assets | 0.1661% | 6,679 |
| Noninterest expense to average assets | 1.3423% | 7,617 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.1429% | 1,754 |
| Return on assets (ROA) | 1.1429% | 1,863 |
| Pretax return on assets | 1.1429% | 2,686 |
| Return on Equity (ROE) | 9.0842% | 2,460 |
| Retained earnings to average equity (ytd only) | -1.1618% | 6,040 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0107% | 6,787 |
| Assets per employee ($millions) | 4.0902% | 3,664 |
| Cash dividends to net income (ytd only)* | 112.7894% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2163% | 5,408 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 40.5066% | 7,048 |
| Net loans and leases to deposits | 46.5341% | 7,146 |
| Net loans and leases to core deposits | 46.5341% | 7,250 |
| Total domestic deposits to total assets | 87.0471% | 2,503 |
| Equity capital to assets | 12.7378% | 1,726 |
| Core capital (leverage) ratio | 12.3505% | 1,481 |
| Tier 1 risk-based capital ratio | 22.7946% | 1,096 |
| Total risk-based capital ratio | 23.7448% | 1,104 |
| Memoranda: | ||
| Average total assets | $20,065,000 | 7,562 |
| Average earning assets | $15,980,000 | 7,593 |
| Average equity | $2,524,500 | 7,487 |
| Average total loans | $7,749,000 | 7,572 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2535% | 7,112 |
| Cost of funding earning assets | 1.4477% | 3,574 |
| Net interest margin | 2.8058% | 7,136 |
| Noninterest income to average assets | 0.1705% | 6,685 |
| Noninterest expense to average assets | 1.3643% | 7,683 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0032% | 2,187 |
| Return on assets (ROA) | 1.0032% | 2,267 |
| Pretax return on assets | 1.0032% | 3,106 |
| Return on Equity (ROE) | 8.0075% | 2,882 |
| Retained earnings to average equity (ytd only) | -5.2849% | 6,585 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6271% | 6,435 |
| Assets per employee ($millions) | 3.9052% | 3,963 |
| Cash dividends to net income (ytd only)* | 166.0000% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2997% | 4,920 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 39.6702% | 7,187 |
| Net loans and leases to deposits | 45.6506% | 7,265 |
| Net loans and leases to core deposits | 45.6506% | 7,364 |
| Total domestic deposits to total assets | 86.8995% | 2,585 |
| Equity capital to assets | 12.8393% | 1,636 |
| Core capital (leverage) ratio | 12.2484% | 1,521 |
| Tier 1 risk-based capital ratio | 23.5294% | 992 |
| Total risk-based capital ratio | 24.5277% | 1,008 |
| Memoranda: | ||
| Average total assets | $19,936,330 | 7,628 |
| Average earning assets | $15,610,670 | 7,663 |
| Average equity | $2,497,670 | 7,551 |
| Average total loans | $7,536,670 | 7,641 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2766% | 7,165 |
| Cost of funding earning assets | 1.5292% | 3,378 |
| Net interest margin | 2.7474% | 7,249 |
| Noninterest income to average assets | 0.1589% | 6,831 |
| Noninterest expense to average assets | 1.4299% | 7,748 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8341% | 2,823 |
| Return on assets (ROA) | 0.8341% | 2,917 |
| Pretax return on assets | 0.8341% | 3,733 |
| Return on Equity (ROE) | 6.7389% | 3,480 |
| Retained earnings to average equity (ytd only) | -14.6009% | 7,195 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1579% | 5,631 |
| Assets per employee ($millions) | 3.9204% | 4,054 |
| Cash dividends to net income (ytd only)* | 316.6667% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4980% | 3,922 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 34.2159% | 7,487 |
| Net loans and leases to deposits | 39.1856% | 7,542 |
| Net loans and leases to core deposits | 39.1856% | 7,595 |
| Total domestic deposits to total assets | 87.3176% | 2,453 |
| Equity capital to assets | 12.4222% | 1,794 |
| Core capital (leverage) ratio | 11.7184% | 1,791 |
| Tier 1 risk-based capital ratio | 25.0158% | 862 |
| Total risk-based capital ratio | 26.0879% | 858 |
| Memoranda: | ||
| Average total assets | $20,141,500 | 7,720 |
| Average earning assets | $15,433,000 | 7,773 |
| Average equity | $2,493,000 | 7,634 |
| Average total loans | $7,381,000 | 7,744 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6763% | 7,174 |
| Cost of funding earning assets | 1.8611% | 3,670 |
| Net interest margin | 2.8152% | 7,036 |
| Noninterest income to average assets | 0.2632% | 6,235 |
| Noninterest expense to average assets | 1.7745% | 7,637 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.8190% | 2,459 |
| Return on assets (ROA) | 0.8531% | 2,420 |
| Pretax return on assets | 0.8531% | 3,076 |
| Return on Equity (ROE) | 6.9362% | 2,813 |
| Retained earnings to average equity (ytd only) | -1.0702% | 5,277 |
| Net charge-offs to loans | 0.1417% | 5,814 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 15.2727% | 1,318 |
| Efficiency ratio | 68.4211% | 4,939 |
| Assets per employee ($millions) | 3.4468% | 5,135 |
| Cash dividends to net income (ytd only)* | 115.4286% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2825% | 4,858 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 37.9624% | 7,451 |
| Net loans and leases to deposits | 43.4549% | 7,532 |
| Net loans and leases to core deposits | 48.1923% | 7,627 |
| Total domestic deposits to total assets | 87.3604% | 2,288 |
| Equity capital to assets | 12.3350% | 1,829 |
| Core capital (leverage) ratio | 12.1675% | 1,594 |
| Tier 1 risk-based capital ratio | 23.2624% | 1,014 |
| Total risk-based capital ratio | 24.2230% | 1,021 |
| Memoranda: | ||
| Average total assets | $20,513,000 | 7,760 |
| Average earning assets | $16,979,200 | 7,791 |
| Average equity | $2,523,000 | 7,725 |
| Average total loans | $7,765,200 | 7,792 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6423% | 7,361 |
| Cost of funding earning assets | 1.9106% | 3,827 |
| Net interest margin | 2.7316% | 7,163 |
| Noninterest income to average assets | 0.1889% | 6,863 |
| Noninterest expense to average assets | 1.7064% | 7,761 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.8011% | 2,812 |
| Return on assets (ROA) | 0.8467% | 2,698 |
| Pretax return on assets | 0.8467% | 3,392 |
| Return on Equity (ROE) | 6.8891% | 3,124 |
| Retained earnings to average equity (ytd only) | -3.8156% | 6,081 |
| Net charge-offs to loans | 0.2764% | 4,317 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 7.6887% | 2,368 |
| Efficiency ratio | 68.0519% | 4,964 |
| Assets per employee ($millions) | 2.8661% | 6,495 |
| Cash dividends to net income (ytd only)* | 155.3857% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3328% | 4,301 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 35.7923% | 7,628 |
| Net loans and leases to deposits | 41.0742% | 7,699 |
| Net loans and leases to core deposits | 47.0084% | 7,750 |
| Total domestic deposits to total assets | 87.1405% | 2,107 |
| Equity capital to assets | 12.5555% | 1,914 |
| Core capital (leverage) ratio | 11.9617% | 1,817 |
| Tier 1 risk-based capital ratio | 24.5570% | 944 |
| Total risk-based capital ratio | 25.5392% | 951 |
| Memoranda: | ||
| Average total assets | $20,471,000 | 7,835 |
| Average earning assets | $17,376,250 | 7,861 |
| Average equity | $2,516,000 | 7,803 |
| Average total loans | $7,718,250 | 7,870 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6272% | 7,488 |
| Cost of funding earning assets | 1.9047% | 4,237 |
| Net interest margin | 2.7225% | 7,157 |
| Noninterest income to average assets | 0.1553% | 7,157 |
| Noninterest expense to average assets | 1.7664% | 7,778 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7473% | 3,054 |
| Return on assets (ROA) | 0.7473% | 3,162 |
| Pretax return on assets | 0.7473% | 3,840 |
| Return on Equity (ROE) | 6.1233% | 3,588 |
| Retained earnings to average equity (ytd only) | -8.9861% | 6,769 |
| Net charge-offs to loans | 0.4069% | 3,163 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 4.8125% | 2,993 |
| Efficiency ratio | 70.2703% | 4,719 |
| Assets per employee ($millions) | 2.9031% | 6,387 |
| Cash dividends to net income (ytd only)* | 246.7532% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2733% | 4,441 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 37.0092% | 7,676 |
| Net loans and leases to deposits | 42.2956% | 7,747 |
| Net loans and leases to core deposits | 48.2548% | 7,796 |
| Total domestic deposits to total assets | 87.5012% | 2,016 |
| Equity capital to assets | 12.0854% | 2,156 |
| Core capital (leverage) ratio | 11.4445% | 2,109 |
| Tier 1 risk-based capital ratio | 23.4969% | 1,090 |
| Total risk-based capital ratio | 24.4530% | 1,097 |
| Memoranda: | ||
| Average total assets | $20,607,000 | 7,906 |
| Average earning assets | $17,851,000 | 7,924 |
| Average equity | $2,515,000 | 7,875 |
| Average total loans | $7,865,000 | 7,949 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8389% | 7,307 |
| Cost of funding earning assets | 1.9177% | 4,544 |
| Net interest margin | 2.9212% | 6,699 |
| Noninterest income to average assets | 0.1735% | 7,067 |
| Noninterest expense to average assets | 1.7735% | 7,731 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9253% | 2,594 |
| Return on assets (ROA) | 0.9253% | 2,729 |
| Pretax return on assets | 0.9253% | 3,618 |
| Return on Equity (ROE) | 7.5457% | 3,356 |
| Retained earnings to average equity (ytd only) | -17.4494% | 7,562 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7143% | 5,382 |
| Assets per employee ($millions) | 2.8949% | 6,425 |
| Cash dividends to net income (ytd only)* | 331.2500% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5178% | 2,876 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 36.1824% | 7,725 |
| Net loans and leases to deposits | 41.3770% | 7,797 |
| Net loans and leases to core deposits | 47.4778% | 7,844 |
| Total domestic deposits to total assets | 87.4457% | 1,993 |
| Equity capital to assets | 12.1743% | 2,156 |
| Core capital (leverage) ratio | 11.3420% | 2,250 |
| Tier 1 risk-based capital ratio | 23.8381% | 1,101 |
| Total risk-based capital ratio | 24.9675% | 1,088 |
| Memoranda: | ||
| Average total assets | $20,749,500 | 7,957 |
| Average earning assets | $17,938,000 | 7,965 |
| Average equity | $2,544,500 | 7,922 |
| Average total loans | $7,988,500 | 7,992 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7131% | 6,737 |
| Cost of funding earning assets | 2.2804% | 5,243 |
| Net interest margin | 3.4327% | 5,534 |
| Noninterest income to average assets | 0.2782% | 6,470 |
| Noninterest expense to average assets | 2.0468% | 7,356 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.2333% | 1,674 |
| Return on assets (ROA) | 1.2333% | 1,619 |
| Pretax return on assets | 1.2333% | 2,535 |
| Return on Equity (ROE) | 9.3925% | 2,478 |
| Retained earnings to average equity (ytd only) | -2.5979% | 6,017 |
| Net charge-offs to loans | 0.0122% | 6,746 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 235.0000% | 204 |
| Efficiency ratio | 62.4000% | 5,877 |
| Assets per employee ($millions) | 3.0336% | 5,973 |
| Cash dividends to net income (ytd only)* | 127.6596% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3244% | 3,626 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 39.6468% | 7,688 |
| Net loans and leases to deposits | 45.4467% | 7,804 |
| Net loans and leases to core deposits | 52.1203% | 7,839 |
| Total domestic deposits to total assets | 87.2381% | 1,816 |
| Equity capital to assets | 12.3475% | 2,085 |
| Core capital (leverage) ratio | 13.1819% | 1,483 |
| Tier 1 risk-based capital ratio | 22.4602% | 1,256 |
| Total risk-based capital ratio | 23.4770% | 1,256 |
| Memoranda: | ||
| Average total assets | $19,053,800 | 8,048 |
| Average earning assets | $16,663,400 | 8,046 |
| Average equity | $2,502,000 | 7,985 |
| Average total loans | $8,199,800 | 8,025 |