Home > Western National Bank > Performance and Condition Ratios
Western National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8475% | 2,383 |
| Cost of funding earning assets | 0.5025% | 4,192 |
| Net interest margin | 4.3450% | 754 |
| Noninterest income to average assets | 1.6700% | 329 |
| Noninterest expense to average assets | 4.4223% | 287 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0369% | 2,103 |
| Return on assets (ROA) | 1.0369% | 2,081 |
| Pretax return on assets | 1.0369% | 2,569 |
| Return on Equity (ROE) | 11.5400% | 2,077 |
| Retained earnings to average equity (ytd only) | -0.5755% | 4,148 |
| Net charge-offs to loans | -0.0412% | 4,327 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 81.0070% | 850 |
| Assets per employee ($millions) | 6.0100% | 2,818 |
| Cash dividends to net income (ytd only)* | 104.9869% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5695% | 899 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.4374% | 1,265 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 26.9800% | 4,341 |
| Net loans and leases to deposits | 29.3778% | 4,360 |
| Net loans and leases to core deposits | 30.6809% | 4,391 |
| Total domestic deposits to total assets | 91.8400% | 331 |
| Equity capital to assets | 7.7942% | 3,547 |
| Core capital (leverage) ratio | 8.6629% | 3,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3169% | 863 |
| Memoranda: | ||
| Average total assets | $36,745,200 | 4,420 |
| Average earning assets | $32,037,000 | 4,399 |
| Average equity | $3,301,600 | 4,407 |
| Average total loans | $12,143,600 | 4,386 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0635% | 1,704 |
| Cost of funding earning assets | 0.5962% | 3,975 |
| Net interest margin | 4.4673% | 651 |
| Noninterest income to average assets | 1.7700% | 328 |
| Noninterest expense to average assets | 4.3522% | 297 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3064% | 1,535 |
| Return on assets (ROA) | 1.3064% | 1,519 |
| Pretax return on assets | 1.3064% | 2,026 |
| Return on Equity (ROE) | 13.9900% | 1,655 |
| Retained earnings to average equity (ytd only) | 3.9105% | 3,279 |
| Net charge-offs to loans | -0.0434% | 4,331 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 76.9128% | 1,098 |
| Assets per employee ($millions) | 4.8174% | 3,723 |
| Cash dividends to net income (ytd only)* | 72.0461% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5377% | 1,019 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.5427% | 1,078 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 34.1800% | 4,240 |
| Net loans and leases to deposits | 37.8597% | 4,258 |
| Net loans and leases to core deposits | 40.0181% | 4,258 |
| Total domestic deposits to total assets | 90.2800% | 867 |
| Equity capital to assets | 9.2017% | 2,292 |
| Core capital (leverage) ratio | 9.0269% | 3,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9390% | 631 |
| Memoranda: | ||
| Average total assets | $35,414,000 | 4,449 |
| Average earning assets | $30,860,500 | 4,436 |
| Average equity | $3,307,250 | 4,422 |
| Average total loans | $12,296,500 | 4,406 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9504% | 1,650 |
| Cost of funding earning assets | 0.5817% | 3,801 |
| Net interest margin | 4.3688% | 734 |
| Noninterest income to average assets | 1.8400% | 263 |
| Noninterest expense to average assets | 4.1891% | 309 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4870% | 1,130 |
| Return on assets (ROA) | 1.4870% | 1,125 |
| Pretax return on assets | 1.4870% | 1,625 |
| Return on Equity (ROE) | 15.5600% | 1,348 |
| Retained earnings to average equity (ytd only) | 6.8532% | 2,341 |
| Net charge-offs to loans | -0.0320% | 4,260 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.8025% | 1,365 |
| Assets per employee ($millions) | 4.8470% | 3,718 |
| Cash dividends to net income (ytd only)* | 55.9701% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4443% | 1,375 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.7221% | 719 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 35.8000% | 4,182 |
| Net loans and leases to deposits | 40.0713% | 4,213 |
| Net loans and leases to core deposits | 41.8553% | 4,218 |
| Total domestic deposits to total assets | 89.3400% | 1,123 |
| Equity capital to assets | 10.3304% | 1,672 |
| Core capital (leverage) ratio | 8.9575% | 3,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5868% | 665 |
| Memoranda: | ||
| Average total assets | $36,046,333 | 4,465 |
| Average earning assets | $31,633,667 | 4,457 |
| Average equity | $3,443,667 | 4,442 |
| Average total loans | $12,493,333 | 4,427 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3448% | 2,693 |
| Cost of funding earning assets | 0.4395% | 3,864 |
| Net interest margin | 3.9053% | 1,473 |
| Noninterest income to average assets | 1.8200% | 262 |
| Noninterest expense to average assets | 3.5144% | 526 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6602% | 885 |
| Return on assets (ROA) | 1.6602% | 884 |
| Pretax return on assets | 1.6602% | 1,357 |
| Return on Equity (ROE) | 18.0500% | 1,022 |
| Retained earnings to average equity (ytd only) | 6.3287% | 2,680 |
| Net charge-offs to loans | -0.0636% | 4,414 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.9167% | 1,982 |
| Assets per employee ($millions) | 7.1860% | 1,831 |
| Cash dividends to net income (ytd only)* | 64.9351% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4123% | 1,575 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.4453% | 1,150 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 34.1900% | 4,257 |
| Net loans and leases to deposits | 37.9643% | 4,278 |
| Net loans and leases to core deposits | 39.8961% | 4,272 |
| Total domestic deposits to total assets | 90.0700% | 1,134 |
| Equity capital to assets | 9.5742% | 2,083 |
| Core capital (leverage) ratio | 8.5098% | 4,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7548% | 767 |
| Memoranda: | ||
| Average total assets | $37,105,000 | 4,522 |
| Average earning assets | $31,854,000 | 4,523 |
| Average equity | $3,413,000 | 4,506 |
| Average total loans | $12,578,000 | 4,491 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3972% | 3,350 |
| Cost of funding earning assets | 0.2631% | 3,219 |
| Net interest margin | 3.1342% | 3,074 |
| Noninterest income to average assets | 0.8400% | 914 |
| Noninterest expense to average assets | 3.1744% | 752 |
| Loan and lease loss provision to assets | -0.1900% | 4,620 |
| Net operating income to assets | 0.5670% | 3,952 |
| Return on assets (ROA) | 0.5670% | 3,915 |
| Pretax return on assets | 0.5670% | 4,083 |
| Return on Equity (ROE) | 5.9700% | 3,833 |
| Retained earnings to average equity (ytd only) | -0.8273% | 4,441 |
| Net charge-offs to loans | -0.2730% | 4,658 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 89.4778% | 319 |
| Assets per employee ($millions) | 6.3800% | 2,436 |
| Cash dividends to net income (ytd only)* | 113.8614% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3865% | 1,543 |
| Loan loss allowance to noncurrent loans | 8,800.0000% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.4389% | 1,164 |
| Noncurrent loans to loans | 0.0158% | 3,729 |
| Net loans and leases to total assets | 32.7000% | 4,319 |
| Net loans and leases to deposits | 35.9444% | 4,344 |
| Net loans and leases to core deposits | 37.6526% | 4,338 |
| Total domestic deposits to total assets | 90.9800% | 967 |
| Equity capital to assets | 8.8454% | 2,459 |
| Core capital (leverage) ratio | 8.0929% | 4,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4241% | 681 |
| Memoranda: | ||
| Average total assets | $35,628,600 | 4,570 |
| Average earning assets | $30,789,800 | 4,561 |
| Average equity | $3,384,400 | 4,583 |
| Average total loans | $13,555,400 | 4,508 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1665% | 3,520 |
| Cost of funding earning assets | 0.2284% | 2,942 |
| Net interest margin | 2.9381% | 3,387 |
| Noninterest income to average assets | 0.7600% | 1,126 |
| Noninterest expense to average assets | 2.9590% | 960 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3546% | 4,318 |
| Return on assets (ROA) | 0.3546% | 4,264 |
| Pretax return on assets | 0.3546% | 4,326 |
| Return on Equity (ROE) | 3.6600% | 4,210 |
| Retained earnings to average equity (ytd only) | -0.4728% | 4,384 |
| Net charge-offs to loans | -0.3486% | 4,703 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 89.2980% | 341 |
| Assets per employee ($millions) | 9.3500% | 788 |
| Cash dividends to net income (ytd only)* | 112.9032% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8742% | 632 |
| Loan loss allowance to noncurrent loans | 12,200.0000% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.4492% | 1,202 |
| Noncurrent loans to loans | 0.0154% | 3,817 |
| Net loans and leases to total assets | 34.1600% | 4,298 |
| Net loans and leases to deposits | 37.6733% | 4,320 |
| Net loans and leases to core deposits | 39.5144% | 4,290 |
| Total domestic deposits to total assets | 90.6700% | 1,376 |
| Equity capital to assets | 9.0936% | 2,140 |
| Core capital (leverage) ratio | 7.4910% | 4,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1277% | 424 |
| Memoranda: | ||
| Average total assets | $34,965,750 | 4,611 |
| Average earning assets | $30,358,750 | 4,603 |
| Average equity | $3,384,000 | 4,622 |
| Average total loans | $13,770,750 | 4,536 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9444% | 3,689 |
| Cost of funding earning assets | 0.1869% | 3,087 |
| Net interest margin | 2.7575% | 3,557 |
| Noninterest income to average assets | 0.6793% | 1,432 |
| Noninterest expense to average assets | 2.9455% | 918 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1523% | 4,471 |
| Return on assets (ROA) | 0.1523% | 4,437 |
| Pretax return on assets | 0.1523% | 4,450 |
| Return on Equity (ROE) | 1.5392% | 4,400 |
| Retained earnings to average equity (ytd only) | -2.9008% | 4,448 |
| Net charge-offs to loans | -0.4850% | 4,692 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0851% | 260 |
| Assets per employee ($millions) | 9.2965% | 806 |
| Cash dividends to net income (ytd only)* | 288.4615% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7563% | 866 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4464% | 1,270 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 36.4035% | 4,230 |
| Net loans and leases to deposits | 40.1823% | 4,260 |
| Net loans and leases to core deposits | 42.1530% | 4,258 |
| Total domestic deposits to total assets | 90.5959% | 1,417 |
| Equity capital to assets | 9.0464% | 2,359 |
| Core capital (leverage) ratio | 8.7564% | 3,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6645% | 565 |
| Memoranda: | ||
| Average total assets | $34,154,333 | 4,654 |
| Average earning assets | $29,954,667 | 4,654 |
| Average equity | $3,378,333 | 4,669 |
| Average total loans | $14,021,333 | 4,596 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9875% | 3,292 |
| Cost of funding earning assets | 0.1675% | 3,252 |
| Net interest margin | 2.8199% | 3,076 |
| Noninterest income to average assets | 0.7353% | 1,207 |
| Noninterest expense to average assets | 3.0394% | 772 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1716% | 4,373 |
| Return on assets (ROA) | 0.1716% | 4,342 |
| Pretax return on assets | 0.1716% | 4,360 |
| Return on Equity (ROE) | 1.6541% | 4,320 |
| Retained earnings to average equity (ytd only) | -7.2072% | 4,495 |
| Net charge-offs to loans | -0.9616% | 4,739 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6565% | 372 |
| Assets per employee ($millions) | 7.9278% | 1,413 |
| Cash dividends to net income (ytd only)* | 535.7143% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7081% | 1,044 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5235% | 1,146 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 43.7325% | 3,755 |
| Net loans and leases to deposits | 49.2682% | 3,794 |
| Net loans and leases to core deposits | 51.6538% | 3,758 |
| Total domestic deposits to total assets | 88.7642% | 2,182 |
| Equity capital to assets | 10.5768% | 1,561 |
| Core capital (leverage) ratio | 8.1700% | 4,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2346% | 479 |
| Memoranda: | ||
| Average total assets | $32,638,500 | 4,686 |
| Average earning assets | $28,653,000 | 4,686 |
| Average equity | $3,385,500 | 4,698 |
| Average total loans | $14,142,500 | 4,618 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1130% | 3,660 |
| Cost of funding earning assets | 0.3190% | 2,208 |
| Net interest margin | 2.7941% | 3,676 |
| Noninterest income to average assets | 0.7340% | 1,650 |
| Noninterest expense to average assets | 2.7683% | 1,436 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3739% | 4,314 |
| Return on assets (ROA) | 0.3739% | 4,344 |
| Pretax return on assets | 0.3739% | 4,421 |
| Return on Equity (ROE) | 4.0508% | 4,207 |
| Retained earnings to average equity (ytd only) | 4.0508% | 3,201 |
| Net charge-offs to loans | -0.0496% | 4,321 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1015% | 382 |
| Assets per employee ($millions) | 8.3915% | 1,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4673% | 1,674 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7031% | 899 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 41.6135% | 3,999 |
| Net loans and leases to deposits | 46.6097% | 4,069 |
| Net loans and leases to core deposits | 48.7233% | 4,068 |
| Total domestic deposits to total assets | 89.2808% | 1,362 |
| Equity capital to assets | 10.1799% | 2,490 |
| Core capital (leverage) ratio | 8.0641% | 4,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8443% | 502 |
| Memoranda: | ||
| Average total assets | $36,376,400 | 4,694 |
| Average earning assets | $31,352,000 | 4,706 |
| Average equity | $3,357,400 | 4,751 |
| Average total loans | $16,139,800 | 4,633 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1652% | 3,672 |
| Cost of funding earning assets | 0.3396% | 2,205 |
| Net interest margin | 2.8257% | 3,718 |
| Noninterest income to average assets | 0.6401% | 2,054 |
| Noninterest expense to average assets | 2.6681% | 1,672 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3955% | 4,380 |
| Return on assets (ROA) | 0.3955% | 4,411 |
| Pretax return on assets | 0.3955% | 4,502 |
| Return on Equity (ROE) | 4.3878% | 4,244 |
| Retained earnings to average equity (ytd only) | 4.3878% | 3,449 |
| Net charge-offs to loans | -0.0481% | 4,340 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0892% | 394 |
| Assets per employee ($millions) | 9.8923% | 658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3199% | 2,395 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4625% | 1,646 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 38.9219% | 4,258 |
| Net loans and leases to deposits | 42.6881% | 4,355 |
| Net loans and leases to core deposits | 44.2837% | 4,369 |
| Total domestic deposits to total assets | 91.1774% | 313 |
| Equity capital to assets | 8.5698% | 4,164 |
| Core capital (leverage) ratio | 8.1008% | 4,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3432% | 768 |
| Memoranda: | ||
| Average total assets | $37,079,000 | 4,760 |
| Average earning assets | $31,803,000 | 4,770 |
| Average equity | $3,342,500 | 4,823 |
| Average total loans | $16,630,750 | 4,694 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3704% | 3,265 |
| Cost of funding earning assets | 0.3527% | 2,296 |
| Net interest margin | 3.0177% | 3,277 |
| Noninterest income to average assets | 0.5959% | 2,232 |
| Noninterest expense to average assets | 2.7090% | 1,568 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4359% | 4,324 |
| Return on assets (ROA) | 0.4359% | 4,367 |
| Pretax return on assets | 0.4359% | 4,468 |
| Return on Equity (ROE) | 4.7500% | 4,180 |
| Retained earnings to average equity (ytd only) | 4.7500% | 3,281 |
| Net charge-offs to loans | -0.0471% | 4,347 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1404% | 468 |
| Assets per employee ($millions) | 8.0332% | 1,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2822% | 2,526 |
| Loan loss allowance to noncurrent loans | 414.2857% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.4133% | 1,957 |
| Noncurrent loans to loans | 0.3095% | 2,818 |
| Net loans and leases to total assets | 38.9110% | 4,336 |
| Net loans and leases to deposits | 42.5893% | 4,440 |
| Net loans and leases to core deposits | 44.1535% | 4,452 |
| Total domestic deposits to total assets | 91.3633% | 264 |
| Equity capital to assets | 8.3703% | 4,307 |
| Core capital (leverage) ratio | 8.2021% | 4,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7576% | 849 |
| Memoranda: | ||
| Average total assets | $36,249,000 | 4,797 |
| Average earning assets | $30,619,333 | 4,810 |
| Average equity | $3,326,333 | 4,856 |
| Average total loans | $16,972,000 | 4,717 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6716% | 2,431 |
| Cost of funding earning assets | 0.4003% | 2,093 |
| Net interest margin | 3.2713% | 2,480 |
| Noninterest income to average assets | 0.5949% | 2,234 |
| Noninterest expense to average assets | 2.8113% | 1,344 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5483% | 4,077 |
| Return on assets (ROA) | 0.5483% | 4,120 |
| Pretax return on assets | 0.5483% | 4,277 |
| Return on Equity (ROE) | 5.6823% | 3,954 |
| Retained earnings to average equity (ytd only) | 5.6823% | 3,008 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6806% | 614 |
| Assets per employee ($millions) | 5.7142% | 2,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1633% | 3,132 |
| Loan loss allowance to noncurrent loans | 121.9512% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 0.8196% | 1,078 |
| Noncurrent loans to loans | 0.9539% | 1,419 |
| Net loans and leases to total assets | 49.5639% | 3,673 |
| Net loans and leases to deposits | 55.1506% | 3,855 |
| Net loans and leases to core deposits | 57.5800% | 3,868 |
| Total domestic deposits to total assets | 89.8702% | 883 |
| Equity capital to assets | 9.7185% | 2,982 |
| Core capital (leverage) ratio | 8.3504% | 4,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0175% | 924 |
| Memoranda: | ||
| Average total assets | $34,290,500 | 4,837 |
| Average earning assets | $28,979,000 | 4,850 |
| Average equity | $3,308,500 | 4,881 |
| Average total loans | $17,542,000 | 4,734 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3476% | 1,727 |
| Cost of funding earning assets | 0.6865% | 1,793 |
| Net interest margin | 3.6611% | 1,936 |
| Noninterest income to average assets | 0.7401% | 1,719 |
| Noninterest expense to average assets | 3.1195% | 1,189 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.7342% | 3,321 |
| Return on assets (ROA) | 0.7342% | 3,443 |
| Pretax return on assets | 0.7342% | 3,805 |
| Return on Equity (ROE) | 7.6895% | 2,932 |
| Retained earnings to average equity (ytd only) | 4.7557% | 2,392 |
| Net charge-offs to loans | 0.0826% | 1,644 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 15.5625% | 2,167 |
| Efficiency ratio | 80.9487% | 821 |
| Assets per employee ($millions) | 6.8592% | 1,672 |
| Cash dividends to net income (ytd only)* | 38.1526% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1179% | 3,379 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3441% | 2,613 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 51.5833% | 3,697 |
| Net loans and leases to deposits | 57.2506% | 3,929 |
| Net loans and leases to core deposits | 59.7810% | 3,958 |
| Total domestic deposits to total assets | 90.1009% | 527 |
| Equity capital to assets | 9.5784% | 3,535 |
| Core capital (leverage) ratio | 8.1786% | 4,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1183% | 1,035 |
| Memoranda: | ||
| Average total assets | $33,915,400 | 4,840 |
| Average earning assets | $28,843,400 | 4,853 |
| Average equity | $3,238,200 | 4,898 |
| Average total loans | $19,359,800 | 4,730 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4270% | 1,778 |
| Cost of funding earning assets | 0.7401% | 1,801 |
| Net interest margin | 3.6869% | 1,989 |
| Noninterest income to average assets | 0.7569% | 1,631 |
| Noninterest expense to average assets | 3.0671% | 1,296 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.8515% | 2,904 |
| Return on assets (ROA) | 0.8515% | 3,031 |
| Pretax return on assets | 0.8515% | 3,512 |
| Return on Equity (ROE) | 8.9259% | 2,425 |
| Retained earnings to average equity (ytd only) | 7.6862% | 1,425 |
| Net charge-offs to loans | 0.1081% | 1,256 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 13.5000% | 2,199 |
| Efficiency ratio | 78.2696% | 1,006 |
| Assets per employee ($millions) | 8.7303% | 769 |
| Cash dividends to net income (ytd only)* | 13.8889% | 3,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0739% | 3,342 |
| Loan loss allowance to noncurrent loans | 331.6667% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.4410% | 2,420 |
| Noncurrent loans to loans | 0.3238% | 3,124 |
| Net loans and leases to total assets | 52.4956% | 3,930 |
| Net loans and leases to deposits | 58.4175% | 4,143 |
| Net loans and leases to core deposits | 60.9421% | 4,159 |
| Total domestic deposits to total assets | 89.8628% | 476 |
| Equity capital to assets | 9.4929% | 3,692 |
| Core capital (leverage) ratio | 8.4888% | 4,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9719% | 1,060 |
| Memoranda: | ||
| Average total assets | $33,820,250 | 4,867 |
| Average earning assets | $29,003,250 | 4,878 |
| Average equity | $3,226,500 | 4,927 |
| Average total loans | $19,727,000 | 4,754 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5822% | 1,688 |
| Cost of funding earning assets | 0.8230% | 1,715 |
| Net interest margin | 3.7592% | 1,958 |
| Noninterest income to average assets | 0.6636% | 1,888 |
| Noninterest expense to average assets | 3.0610% | 1,438 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8250% | 2,960 |
| Return on assets (ROA) | 0.8250% | 3,073 |
| Pretax return on assets | 0.8250% | 3,521 |
| Return on Equity (ROE) | 8.6331% | 2,518 |
| Retained earnings to average equity (ytd only) | 8.6331% | 1,122 |
| Net charge-offs to loans | 0.1391% | 1,020 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 9.8571% | 2,193 |
| Efficiency ratio | 78.7692% | 978 |
| Assets per employee ($millions) | 6.4866% | 1,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0111% | 3,521 |
| Loan loss allowance to noncurrent loans | 236.4706% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.5581% | 2,134 |
| Noncurrent loans to loans | 0.4276% | 2,880 |
| Net loans and leases to total assets | 60.6728% | 3,243 |
| Net loans and leases to deposits | 68.4452% | 3,527 |
| Net loans and leases to core deposits | 84.8482% | 2,536 |
| Total domestic deposits to total assets | 88.6443% | 890 |
| Equity capital to assets | 10.0762% | 3,133 |
| Core capital (leverage) ratio | 8.3645% | 4,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6775% | 1,325 |
| Memoranda: | ||
| Average total assets | $33,453,333 | 4,899 |
| Average earning assets | $28,676,000 | 4,908 |
| Average equity | $3,197,000 | 4,959 |
| Average total loans | $20,125,667 | 4,768 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6347% | 1,896 |
| Cost of funding earning assets | 0.9406% | 1,685 |
| Net interest margin | 3.6941% | 2,345 |
| Noninterest income to average assets | 0.6124% | 1,983 |
| Noninterest expense to average assets | 3.0150% | 1,854 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7891% | 2,941 |
| Return on assets (ROA) | 0.7891% | 3,031 |
| Pretax return on assets | 0.7891% | 3,439 |
| Return on Equity (ROE) | 8.4770% | 2,322 |
| Retained earnings to average equity (ytd only) | 8.4770% | 1,104 |
| Net charge-offs to loans | -0.0395% | 4,558 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2570% | 1,214 |
| Assets per employee ($millions) | 4.8036% | 2,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0726% | 3,344 |
| Loan loss allowance to noncurrent loans | 281.8182% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.6483% | 2,056 |
| Noncurrent loans to loans | 0.3806% | 3,122 |
| Net loans and leases to total assets | 59.5242% | 3,541 |
| Net loans and leases to deposits | 66.2419% | 3,851 |
| Net loans and leases to core deposits | 88.6365% | 2,472 |
| Total domestic deposits to total assets | 89.8587% | 368 |
| Equity capital to assets | 9.5019% | 4,217 |
| Core capital (leverage) ratio | 7.9645% | 4,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6805% | 1,426 |
| Memoranda: | ||
| Average total assets | $33,963,500 | 4,929 |
| Average earning assets | $29,344,000 | 4,942 |
| Average equity | $3,161,500 | 5,009 |
| Average total loans | $20,249,000 | 4,802 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7566% | 2,179 |
| Cost of funding earning assets | 0.9662% | 1,876 |
| Net interest margin | 3.7904% | 2,532 |
| Noninterest income to average assets | 0.6706% | 1,918 |
| Noninterest expense to average assets | 3.3649% | 1,173 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.5798% | 4,222 |
| Return on assets (ROA) | 0.5798% | 4,274 |
| Pretax return on assets | 0.5798% | 4,441 |
| Return on Equity (ROE) | 6.1621% | 3,863 |
| Retained earnings to average equity (ytd only) | -5.5396% | 4,994 |
| Net charge-offs to loans | -0.0417% | 4,789 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3007% | 583 |
| Assets per employee ($millions) | 4.9003% | 2,705 |
| Cash dividends to net income (ytd only)* | 189.8990% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0609% | 3,164 |
| Loan loss allowance to noncurrent loans | 231.1828% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.5510% | 2,240 |
| Noncurrent loans to loans | 0.4589% | 2,803 |
| Net loans and leases to total assets | 58.4543% | 3,728 |
| Net loans and leases to deposits | 64.8082% | 4,019 |
| Net loans and leases to core deposits | 96.1448% | 1,888 |
| Total domestic deposits to total assets | 90.1959% | 261 |
| Equity capital to assets | 9.1190% | 4,627 |
| Core capital (leverage) ratio | 7.9282% | 5,055 |
| Tier 1 risk-based capital ratio | 15.3207% | 2,648 |
| Total risk-based capital ratio | 16.5273% | 2,598 |
| Memoranda: | ||
| Average total assets | $34,147,000 | 4,974 |
| Average earning assets | $29,495,800 | 4,992 |
| Average equity | $3,213,200 | 5,061 |
| Average total loans | $19,170,600 | 4,880 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7164% | 2,367 |
| Cost of funding earning assets | 0.9451% | 2,010 |
| Net interest margin | 3.7713% | 2,680 |
| Noninterest income to average assets | 0.6450% | 2,009 |
| Noninterest expense to average assets | 3.3383% | 1,199 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.5668% | 4,376 |
| Return on assets (ROA) | 0.5668% | 4,421 |
| Pretax return on assets | 0.5668% | 4,596 |
| Return on Equity (ROE) | 5.9771% | 4,052 |
| Retained earnings to average equity (ytd only) | -3.5038% | 5,012 |
| Net charge-offs to loans | -0.0494% | 4,831 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4855% | 527 |
| Assets per employee ($millions) | 5.6357% | 1,902 |
| Cash dividends to net income (ytd only)* | 158.6200% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0574% | 3,240 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2514% | 3,560 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 59.2181% | 3,745 |
| Net loans and leases to deposits | 67.7310% | 3,940 |
| Net loans and leases to core deposits | 99.0748% | 1,736 |
| Total domestic deposits to total assets | 87.4312% | 1,292 |
| Equity capital to assets | 9.5256% | 4,429 |
| Core capital (leverage) ratio | 8.5943% | 4,892 |
| Tier 1 risk-based capital ratio | 15.2090% | 2,755 |
| Total risk-based capital ratio | 16.3615% | 2,729 |
| Memoranda: | ||
| Average total assets | $34,108,250 | 5,049 |
| Average earning assets | $29,484,750 | 5,068 |
| Average equity | $3,234,500 | 5,134 |
| Average total loans | $18,896,750 | 4,962 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5916% | 2,699 |
| Cost of funding earning assets | 0.8791% | 2,248 |
| Net interest margin | 3.7125% | 2,896 |
| Noninterest income to average assets | 0.4561% | 2,928 |
| Noninterest expense to average assets | 3.2918% | 1,299 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.3742% | 4,771 |
| Return on assets (ROA) | 0.3742% | 4,791 |
| Pretax return on assets | 0.3742% | 4,859 |
| Return on Equity (ROE) | 3.9518% | 4,599 |
| Retained earnings to average equity (ytd only) | -6.2365% | 5,099 |
| Net charge-offs to loans | -0.0434% | 4,795 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7927% | 356 |
| Assets per employee ($millions) | 5.0147% | 2,459 |
| Cash dividends to net income (ytd only)* | 257.8125% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0871% | 3,135 |
| Loan loss allowance to noncurrent loans | 7,033.3333% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.1937% | 3,805 |
| Noncurrent loans to loans | 0.0155% | 4,647 |
| Net loans and leases to total assets | 54.6905% | 4,167 |
| Net loans and leases to deposits | 60.7147% | 4,396 |
| Net loans and leases to core deposits | 97.5161% | 1,928 |
| Total domestic deposits to total assets | 90.0778% | 311 |
| Equity capital to assets | 9.1274% | 4,713 |
| Core capital (leverage) ratio | 8.0338% | 5,159 |
| Tier 1 risk-based capital ratio | 15.6127% | 2,581 |
| Total risk-based capital ratio | 16.7863% | 2,542 |
| Memoranda: | ||
| Average total assets | $34,206,330 | 5,091 |
| Average earning assets | $29,575,670 | 5,107 |
| Average equity | $3,239,000 | 5,175 |
| Average total loans | $18,449,670 | 5,013 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6580% | 2,358 |
| Cost of funding earning assets | 0.8925% | 2,044 |
| Net interest margin | 3.7654% | 2,650 |
| Noninterest income to average assets | -0.0237% | 5,330 |
| Noninterest expense to average assets | 3.2229% | 1,442 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.0474% | 5,162 |
| Return on assets (ROA) | -0.0474% | 5,165 |
| Pretax return on assets | -0.0474% | 5,157 |
| Return on Equity (ROE) | -0.4913% | 5,168 |
| Retained earnings to average equity (ytd only) | -8.4754% | 5,049 |
| Net charge-offs to loans | -0.0445% | 4,805 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.4925% | 154 |
| Assets per employee ($millions) | 4.5853% | 3,064 |
| Cash dividends to net income (ytd only)* | -1,625.0000% | 5,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1514% | 2,840 |
| Loan loss allowance to noncurrent loans | 387.0370% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.3708% | 3,109 |
| Noncurrent loans to loans | 0.2975% | 3,497 |
| Net loans and leases to total assets | 55.9024% | 4,068 |
| Net loans and leases to deposits | 62.7729% | 4,254 |
| Net loans and leases to core deposits | 92.3707% | 2,267 |
| Total domestic deposits to total assets | 89.0551% | 831 |
| Equity capital to assets | 10.0539% | 3,773 |
| Core capital (leverage) ratio | 8.6154% | 4,937 |
| Tier 1 risk-based capital ratio | 17.2754% | 2,026 |
| Total risk-based capital ratio | 18.5233% | 1,964 |
| Memoranda: | ||
| Average total assets | $33,758,000 | 5,149 |
| Average earning assets | $28,682,000 | 5,177 |
| Average equity | $3,256,500 | 5,228 |
| Average total loans | $17,970,000 | 5,077 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6332% | 2,043 |
| Cost of funding earning assets | 0.5129% | 3,269 |
| Net interest margin | 4.1203% | 1,618 |
| Noninterest income to average assets | 0.9111% | 1,155 |
| Noninterest expense to average assets | 3.5091% | 984 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8964% | 3,450 |
| Return on assets (ROA) | 0.8964% | 3,442 |
| Pretax return on assets | 0.8964% | 3,910 |
| Return on Equity (ROE) | 9.3005% | 2,836 |
| Retained earnings to average equity (ytd only) | 2.2870% | 4,239 |
| Net charge-offs to loans | -0.0170% | 4,648 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6531% | 988 |
| Assets per employee ($millions) | 5.0599% | 2,422 |
| Cash dividends to net income (ytd only)* | 75.4098% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1637% | 2,752 |
| Loan loss allowance to noncurrent loans | 398.0769% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.5675% | 2,339 |
| Noncurrent loans to loans | 0.2923% | 3,512 |
| Net loans and leases to total assets | 49.6372% | 4,545 |
| Net loans and leases to deposits | 55.2445% | 4,696 |
| Net loans and leases to core deposits | 82.6602% | 3,208 |
| Total domestic deposits to total assets | 89.8501% | 526 |
| Equity capital to assets | 9.2775% | 4,341 |
| Core capital (leverage) ratio | 8.3549% | 5,086 |
| Tier 1 risk-based capital ratio | 18.1869% | 1,703 |
| Total risk-based capital ratio | 19.4382% | 1,651 |
| Memoranda: | ||
| Average total assets | $34,026,200 | 5,189 |
| Average earning assets | $28,856,800 | 5,210 |
| Average equity | $3,279,400 | 5,261 |
| Average total loans | $17,610,800 | 5,130 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6040% | 1,967 |
| Cost of funding earning assets | 0.4316% | 3,652 |
| Net interest margin | 4.1724% | 1,437 |
| Noninterest income to average assets | 0.9343% | 1,097 |
| Noninterest expense to average assets | 3.5076% | 976 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9858% | 3,146 |
| Return on assets (ROA) | 0.9858% | 3,155 |
| Pretax return on assets | 0.9858% | 3,762 |
| Return on Equity (ROE) | 10.1286% | 2,560 |
| Retained earnings to average equity (ytd only) | 1.7899% | 4,642 |
| Net charge-offs to loans | -0.0380% | 4,831 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0617% | 1,117 |
| Assets per employee ($millions) | 4.4719% | 3,164 |
| Cash dividends to net income (ytd only)* | 82.3308% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2043% | 2,594 |
| Loan loss allowance to noncurrent loans | 66.1392% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 1.2998% | 1,052 |
| Noncurrent loans to loans | 1.8209% | 843 |
| Net loans and leases to total assets | 47.9245% | 4,721 |
| Net loans and leases to deposits | 53.0214% | 4,853 |
| Net loans and leases to core deposits | 79.7627% | 3,515 |
| Total domestic deposits to total assets | 90.3871% | 384 |
| Equity capital to assets | 9.0622% | 4,495 |
| Core capital (leverage) ratio | 8.1512% | 5,274 |
| Tier 1 risk-based capital ratio | 17.1866% | 2,028 |
| Total risk-based capital ratio | 18.4355% | 1,975 |
| Memoranda: | ||
| Average total assets | $33,678,000 | 5,265 |
| Average earning assets | $28,727,750 | 5,277 |
| Average equity | $3,277,750 | 5,330 |
| Average total loans | $17,566,500 | 5,192 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6158% | 1,735 |
| Cost of funding earning assets | 0.3363% | 4,159 |
| Net interest margin | 4.2794% | 1,079 |
| Noninterest income to average assets | 0.9946% | 973 |
| Noninterest expense to average assets | 3.4567% | 1,056 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1644% | 2,330 |
| Return on assets (ROA) | 1.1644% | 2,332 |
| Pretax return on assets | 1.1644% | 3,079 |
| Return on Equity (ROE) | 11.6729% | 1,850 |
| Retained earnings to average equity (ytd only) | 10.1530% | 886 |
| Net charge-offs to loans | -0.0227% | 4,618 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8031% | 1,593 |
| Assets per employee ($millions) | 4.8930% | 2,568 |
| Cash dividends to net income (ytd only)* | 13.0208% | 3,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1610% | 2,928 |
| Loan loss allowance to noncurrent loans | 108.4211% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 1.0481% | 1,426 |
| Noncurrent loans to loans | 1.0708% | 1,650 |
| Net loans and leases to total assets | 51.2043% | 4,527 |
| Net loans and leases to deposits | 57.0434% | 4,694 |
| Net loans and leases to core deposits | 84.9956% | 3,010 |
| Total domestic deposits to total assets | 89.7638% | 642 |
| Equity capital to assets | 9.8216% | 3,802 |
| Core capital (leverage) ratio | 8.2942% | 5,217 |
| Tier 1 risk-based capital ratio | 18.1406% | 1,765 |
| Total risk-based capital ratio | 19.3866% | 1,720 |
| Memoranda: | ||
| Average total assets | $32,979,000 | 5,341 |
| Average earning assets | $27,947,670 | 5,357 |
| Average equity | $3,289,670 | 5,388 |
| Average total loans | $17,637,330 | 5,248 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5873% | 1,609 |
| Cost of funding earning assets | 0.2205% | 4,891 |
| Net interest margin | 4.3668% | 824 |
| Noninterest income to average assets | 1.1007% | 766 |
| Noninterest expense to average assets | 3.4876% | 1,024 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2862% | 1,691 |
| Return on assets (ROA) | 1.2862% | 1,696 |
| Pretax return on assets | 1.2862% | 2,423 |
| Return on Equity (ROE) | 12.7902% | 1,322 |
| Retained earnings to average equity (ytd only) | 9.7156% | 1,252 |
| Net charge-offs to loans | -0.0682% | 5,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0570% | 2,034 |
| Assets per employee ($millions) | 4.7641% | 2,775 |
| Cash dividends to net income (ytd only)* | 24.0385% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1988% | 2,812 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7766% | 2,021 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 51.1560% | 4,491 |
| Net loans and leases to deposits | 57.0149% | 4,644 |
| Net loans and leases to core deposits | 83.1830% | 3,043 |
| Total domestic deposits to total assets | 89.7238% | 774 |
| Equity capital to assets | 9.8474% | 3,751 |
| Core capital (leverage) ratio | 8.6078% | 5,056 |
| Tier 1 risk-based capital ratio | 17.0873% | 2,092 |
| Total risk-based capital ratio | 18.3024% | 2,052 |
| Memoranda: | ||
| Average total assets | $32,343,000 | 5,405 |
| Average earning assets | $27,205,500 | 5,427 |
| Average equity | $3,252,500 | 5,450 |
| Average total loans | $17,584,000 | 5,310 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5302% | 1,615 |
| Cost of funding earning assets | 0.2066% | 4,891 |
| Net interest margin | 4.3236% | 919 |
| Noninterest income to average assets | 0.5733% | 2,586 |
| Noninterest expense to average assets | 3.4043% | 1,188 |
| Loan and lease loss provision to assets | 0.0147% | 3,999 |
| Net operating income to assets | 0.6615% | 3,777 |
| Return on assets (ROA) | 0.6615% | 3,815 |
| Pretax return on assets | 0.6615% | 4,603 |
| Return on Equity (ROE) | 7.0781% | 3,232 |
| Retained earnings to average equity (ytd only) | 2.8313% | 3,621 |
| Net charge-offs to loans | 0.0873% | 2,221 |
| Credit loss provision to net charge-offs | 31.2500% | 3,526 |
| Earnings coverage of net charge-offs (x) | 14.3750% | 2,329 |
| Efficiency ratio | 83.4294% | 815 |
| Assets per employee ($millions) | 3.9171% | 4,097 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1396% | 3,119 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8265% | 1,887 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 56.4732% | 4,144 |
| Net loans and leases to deposits | 63.1833% | 4,369 |
| Net loans and leases to core deposits | 92.1719% | 2,368 |
| Total domestic deposits to total assets | 89.3800% | 831 |
| Equity capital to assets | 10.2786% | 3,405 |
| Core capital (leverage) ratio | 8.5642% | 5,081 |
| Tier 1 risk-based capital ratio | 16.8712% | 2,137 |
| Total risk-based capital ratio | 18.0865% | 2,099 |
| Memoranda: | ||
| Average total assets | $34,016,000 | 5,430 |
| Average earning assets | $27,592,600 | 5,475 |
| Average equity | $3,178,800 | 5,511 |
| Average total loans | $18,323,600 | 5,347 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4422% | 1,815 |
| Cost of funding earning assets | 0.2138% | 4,858 |
| Net interest margin | 4.2284% | 1,087 |
| Noninterest income to average assets | 0.5996% | 2,491 |
| Noninterest expense to average assets | 3.2674% | 1,415 |
| Loan and lease loss provision to assets | 0.0192% | 3,757 |
| Net operating income to assets | 0.7342% | 3,800 |
| Return on assets (ROA) | 0.7342% | 3,871 |
| Pretax return on assets | 0.7342% | 4,526 |
| Return on Equity (ROE) | 8.0379% | 3,107 |
| Retained earnings to average equity (ytd only) | 3.4088% | 3,896 |
| Net charge-offs to loans | 0.1230% | 1,559 |
| Credit loss provision to net charge-offs | 29.4118% | 3,082 |
| Earnings coverage of net charge-offs (x) | 11.5276% | 2,498 |
| Efficiency ratio | 81.2620% | 976 |
| Assets per employee ($millions) | 4.6086% | 2,962 |
| Cash dividends to net income (ytd only)* | 57.5905% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1437% | 3,229 |
| Loan loss allowance to noncurrent loans | 142.9577% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 1.3534% | 1,171 |
| Noncurrent loans to loans | 0.8000% | 2,357 |
| Net loans and leases to total assets | 47.5901% | 4,855 |
| Net loans and leases to deposits | 52.4246% | 5,034 |
| Net loans and leases to core deposits | 73.5435% | 4,015 |
| Total domestic deposits to total assets | 90.7782% | 235 |
| Equity capital to assets | 8.7472% | 5,121 |
| Core capital (leverage) ratio | 7.8324% | 5,563 |
| Tier 1 risk-based capital ratio | 15.6404% | 2,657 |
| Total risk-based capital ratio | 16.7655% | 2,652 |
| Memoranda: | ||
| Average total assets | $34,685,750 | 5,477 |
| Average earning assets | $28,063,750 | 5,527 |
| Average equity | $3,168,250 | 5,577 |
| Average total loans | $18,429,250 | 5,402 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5276% | 1,446 |
| Cost of funding earning assets | 0.2279% | 4,738 |
| Net interest margin | 4.2998% | 861 |
| Noninterest income to average assets | 0.6302% | 2,315 |
| Noninterest expense to average assets | 3.3453% | 1,280 |
| Loan and lease loss provision to assets | 0.0294% | 3,407 |
| Net operating income to assets | 0.7009% | 3,850 |
| Return on assets (ROA) | 0.7009% | 3,909 |
| Pretax return on assets | 0.7009% | 4,545 |
| Return on Equity (ROE) | 7.5572% | 3,265 |
| Retained earnings to average equity (ytd only) | 2.1592% | 4,386 |
| Net charge-offs to loans | 0.2037% | 992 |
| Credit loss provision to net charge-offs | 26.3158% | 2,747 |
| Earnings coverage of net charge-offs (x) | 6.5263% | 2,700 |
| Efficiency ratio | 82.0809% | 999 |
| Assets per employee ($millions) | 5.0276% | 2,359 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1115% | 3,519 |
| Loan loss allowance to noncurrent loans | 10,050.0000% | 82 |
| Noncurrent assets plus other real estate owned to assets | 1.0371% | 1,690 |
| Noncurrent loans to loans | 0.0111% | 5,136 |
| Net loans and leases to total assets | 50.8112% | 4,656 |
| Net loans and leases to deposits | 56.1497% | 4,848 |
| Net loans and leases to core deposits | 81.5152% | 3,293 |
| Total domestic deposits to total assets | 90.4924% | 363 |
| Equity capital to assets | 9.0387% | 4,862 |
| Core capital (leverage) ratio | 8.5151% | 5,207 |
| Tier 1 risk-based capital ratio | 15.7691% | 2,593 |
| Total risk-based capital ratio | 16.9109% | 2,571 |
| Memoranda: | ||
| Average total assets | $33,958,000 | 5,541 |
| Average earning assets | $27,210,670 | 5,588 |
| Average equity | $3,149,330 | 5,626 |
| Average total loans | $18,656,000 | 5,445 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5337% | 1,294 |
| Cost of funding earning assets | 0.2394% | 4,640 |
| Net interest margin | 4.2943% | 798 |
| Noninterest income to average assets | 0.6359% | 2,244 |
| Noninterest expense to average assets | 3.4073% | 1,190 |
| Loan and lease loss provision to assets | 0.0600% | 2,603 |
| Net operating income to assets | 0.6119% | 4,105 |
| Return on assets (ROA) | 0.6119% | 4,163 |
| Pretax return on assets | 0.6119% | 4,703 |
| Return on Equity (ROE) | 6.5103% | 3,658 |
| Retained earnings to average equity (ytd only) | -1.1489% | 5,087 |
| Net charge-offs to loans | 0.0633% | 1,697 |
| Credit loss provision to net charge-offs | 166.6667% | 1,134 |
| Earnings coverage of net charge-offs (x) | 18.6667% | 1,558 |
| Efficiency ratio | 83.5294% | 1,016 |
| Assets per employee ($millions) | 4.2145% | 3,641 |
| Cash dividends to net income (ytd only)* | 117.6471% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1586% | 3,369 |
| Loan loss allowance to noncurrent loans | 1,356.2500% | 470 |
| Noncurrent assets plus other real estate owned to assets | 1.1745% | 1,499 |
| Noncurrent loans to loans | 0.0854% | 4,852 |
| Net loans and leases to total assets | 54.9057% | 4,260 |
| Net loans and leases to deposits | 60.8827% | 4,507 |
| Net loans and leases to core deposits | 92.1178% | 2,153 |
| Total domestic deposits to total assets | 90.1827% | 580 |
| Equity capital to assets | 9.2953% | 4,519 |
| Core capital (leverage) ratio | 7.9472% | 5,580 |
| Tier 1 risk-based capital ratio | 15.1795% | 2,885 |
| Total risk-based capital ratio | 16.3852% | 2,836 |
| Memoranda: | ||
| Average total assets | $33,340,500 | 5,615 |
| Average earning assets | $26,733,000 | 5,661 |
| Average equity | $3,133,500 | 5,687 |
| Average total loans | $18,942,500 | 5,500 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0189% | 571 |
| Cost of funding earning assets | 0.2034% | 4,983 |
| Net interest margin | 4.8155% | 341 |
| Noninterest income to average assets | 0.7602% | 1,919 |
| Noninterest expense to average assets | 4.0492% | 562 |
| Loan and lease loss provision to assets | 0.2271% | 957 |
| Net operating income to assets | 0.4997% | 4,639 |
| Return on assets (ROA) | 0.4997% | 4,713 |
| Pretax return on assets | 0.4997% | 5,024 |
| Return on Equity (ROE) | 5.1399% | 4,352 |
| Retained earnings to average equity (ytd only) | -2.3363% | 5,555 |
| Net charge-offs to loans | 0.7420% | 285 |
| Credit loss provision to net charge-offs | 49.6689% | 3,386 |
| Earnings coverage of net charge-offs (x) | 1.5894% | 3,967 |
| Efficiency ratio | 84.7812% | 932 |
| Assets per employee ($millions) | 4.1206% | 3,749 |
| Cash dividends to net income (ytd only)* | 145.4545% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1224% | 3,594 |
| Loan loss allowance to noncurrent loans | 118.1319% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 2.2266% | 583 |
| Noncurrent loans to loans | 0.9501% | 2,188 |
| Net loans and leases to total assets | 57.4579% | 4,121 |
| Net loans and leases to deposits | 63.6565% | 4,437 |
| Net loans and leases to core deposits | 90.6138% | 2,443 |
| Total domestic deposits to total assets | 90.2624% | 533 |
| Equity capital to assets | 9.5040% | 4,267 |
| Core capital (leverage) ratio | 8.1026% | 5,560 |
| Tier 1 risk-based capital ratio | 15.3502% | 2,820 |
| Total risk-based capital ratio | 16.5538% | 2,774 |
| Memoranda: | ||
| Average total assets | $33,018,800 | 5,674 |
| Average earning assets | $27,535,800 | 5,700 |
| Average equity | $3,210,200 | 5,735 |
| Average total loans | $20,349,600 | 5,511 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0296% | 567 |
| Cost of funding earning assets | 0.2046% | 5,021 |
| Net interest margin | 4.8250% | 348 |
| Noninterest income to average assets | 0.7750% | 1,865 |
| Noninterest expense to average assets | 4.1050% | 528 |
| Loan and lease loss provision to assets | 0.2623% | 694 |
| Net operating income to assets | 0.5005% | 4,698 |
| Return on assets (ROA) | 0.5005% | 4,791 |
| Pretax return on assets | 0.5005% | 5,122 |
| Return on Equity (ROE) | 5.1194% | 4,463 |
| Retained earnings to average equity (ytd only) | -2.3118% | 5,614 |
| Net charge-offs to loans | 0.7361% | 250 |
| Credit loss provision to net charge-offs | 57.0175% | 2,948 |
| Earnings coverage of net charge-offs (x) | 1.6578% | 3,668 |
| Efficiency ratio | 84.3284% | 970 |
| Assets per employee ($millions) | 3.8967% | 4,134 |
| Cash dividends to net income (ytd only)* | 145.1582% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2336% | 3,038 |
| Loan loss allowance to noncurrent loans | 97.9757% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 2.6490% | 496 |
| Noncurrent loans to loans | 1.2591% | 1,777 |
| Net loans and leases to total assets | 55.2466% | 4,382 |
| Net loans and leases to deposits | 60.9775% | 4,689 |
| Net loans and leases to core deposits | 84.5295% | 3,076 |
| Total domestic deposits to total assets | 90.6017% | 298 |
| Equity capital to assets | 9.1189% | 5,051 |
| Core capital (leverage) ratio | 8.2099% | 5,566 |
| Tier 1 risk-based capital ratio | 14.6016% | 3,233 |
| Total risk-based capital ratio | 15.8502% | 3,174 |
| Memoranda: | ||
| Average total assets | $33,032,250 | 5,732 |
| Average earning assets | $28,020,250 | 5,750 |
| Average equity | $3,229,500 | 5,797 |
| Average total loans | $20,648,000 | 5,554 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1800% | 437 |
| Cost of funding earning assets | 0.2098% | 5,046 |
| Net interest margin | 4.9702% | 270 |
| Noninterest income to average assets | 0.8840% | 1,422 |
| Noninterest expense to average assets | 4.2160% | 485 |
| Loan and lease loss provision to assets | 0.4018% | 379 |
| Net operating income to assets | 0.5131% | 4,624 |
| Return on assets (ROA) | 0.5131% | 4,737 |
| Pretax return on assets | 0.5131% | 5,104 |
| Return on Equity (ROE) | 5.1235% | 4,456 |
| Retained earnings to average equity (ytd only) | -2.2840% | 5,564 |
| Net charge-offs to loans | 1.1052% | 156 |
| Credit loss provision to net charge-offs | 56.0345% | 2,619 |
| Earnings coverage of net charge-offs (x) | 1.2759% | 3,433 |
| Efficiency ratio | 82.1687% | 1,249 |
| Assets per employee ($millions) | 3.1977% | 5,206 |
| Cash dividends to net income (ytd only)* | 144.5783% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1709% | 3,520 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 2.6331% | 502 |
| Noncurrent loans to loans | 0.7806% | 2,798 |
| Net loans and leases to total assets | 63.3487% | 3,455 |
| Net loans and leases to deposits | 76.5368% | 3,323 |
| Net loans and leases to core deposits | 107.0892% | 1,096 |
| Total domestic deposits to total assets | 82.7689% | 3,736 |
| Equity capital to assets | 10.0854% | 4,117 |
| Core capital (leverage) ratio | 8.6783% | 5,189 |
| Tier 1 risk-based capital ratio | 14.6211% | 3,242 |
| Total risk-based capital ratio | 15.8737% | 3,184 |
| Memoranda: | ||
| Average total assets | $32,353,000 | 5,813 |
| Average earning assets | $27,645,000 | 5,827 |
| Average equity | $3,240,000 | 5,862 |
| Average total loans | $20,991,670 | 5,598 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2235% | 398 |
| Cost of funding earning assets | 0.2009% | 5,200 |
| Net interest margin | 5.0226% | 237 |
| Noninterest income to average assets | 1.0448% | 996 |
| Noninterest expense to average assets | 4.1548% | 521 |
| Loan and lease loss provision to assets | 0.4917% | 255 |
| Net operating income to assets | 0.7007% | 3,708 |
| Return on assets (ROA) | 0.7007% | 3,824 |
| Pretax return on assets | 0.7007% | 4,524 |
| Return on Equity (ROE) | 7.0208% | 3,442 |
| Retained earnings to average equity (ytd only) | -0.3695% | 5,181 |
| Net charge-offs to loans | 1.4690% | 126 |
| Credit loss provision to net charge-offs | 51.2821% | 2,039 |
| Earnings coverage of net charge-offs (x) | 1.2436% | 2,844 |
| Efficiency ratio | 77.7011% | 1,938 |
| Assets per employee ($millions) | 3.3374% | 5,070 |
| Cash dividends to net income (ytd only)* | 105.2632% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2141% | 3,396 |
| Loan loss allowance to noncurrent loans | 137.5000% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 1.9926% | 870 |
| Noncurrent loans to loans | 0.8830% | 2,634 |
| Net loans and leases to total assets | 61.6798% | 3,570 |
| Net loans and leases to deposits | 68.3705% | 4,022 |
| Net loans and leases to core deposits | 93.5852% | 2,039 |
| Total domestic deposits to total assets | 90.2139% | 523 |
| Equity capital to assets | 9.7381% | 4,411 |
| Core capital (leverage) ratio | 8.5668% | 5,327 |
| Tier 1 risk-based capital ratio | 13.9285% | 3,735 |
| Total risk-based capital ratio | 15.1763% | 3,668 |
| Memoranda: | ||
| Average total assets | $32,541,000 | 5,870 |
| Average earning assets | $27,874,000 | 5,882 |
| Average equity | $3,247,500 | 5,915 |
| Average total loans | $21,239,000 | 5,636 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0508% | 570 |
| Cost of funding earning assets | 0.2458% | 4,827 |
| Net interest margin | 4.8050% | 369 |
| Noninterest income to average assets | 0.7324% | 2,051 |
| Noninterest expense to average assets | 4.1188% | 591 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8581% | 3,075 |
| Return on assets (ROA) | 0.8581% | 3,143 |
| Pretax return on assets | 0.8673% | 3,962 |
| Return on Equity (ROE) | 8.6666% | 2,640 |
| Retained earnings to average equity (ytd only) | 1.2381% | 5,009 |
| Net charge-offs to loans | 0.0235% | 3,789 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 56.6000% | 911 |
| Efficiency ratio | 82.6060% | 1,323 |
| Assets per employee ($millions) | 2.8825% | 5,630 |
| Cash dividends to net income (ytd only)* | 85.7143% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3447% | 2,688 |
| Loan loss allowance to noncurrent loans | 250.8621% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 1.2331% | 1,743 |
| Noncurrent loans to loans | 0.5360% | 3,556 |
| Net loans and leases to total assets | 67.3300% | 2,815 |
| Net loans and leases to deposits | 78.0813% | 3,047 |
| Net loans and leases to core deposits | 111.0077% | 811 |
| Total domestic deposits to total assets | 86.2306% | 2,520 |
| Equity capital to assets | 10.2340% | 3,703 |
| Core capital (leverage) ratio | 8.7018% | 5,215 |
| Tier 1 risk-based capital ratio | 13.7346% | 3,866 |
| Total risk-based capital ratio | 14.9881% | 3,795 |
| Memoranda: | ||
| Average total assets | $32,630,800 | 5,918 |
| Average earning assets | $28,886,400 | 5,923 |
| Average equity | $3,230,800 | 5,968 |
| Average total loans | $21,245,400 | 5,672 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0238% | 589 |
| Cost of funding earning assets | 0.2480% | 4,902 |
| Net interest margin | 4.7758% | 397 |
| Noninterest income to average assets | 0.7384% | 2,070 |
| Noninterest expense to average assets | 4.0289% | 643 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9210% | 2,855 |
| Return on assets (ROA) | 0.9210% | 2,945 |
| Pretax return on assets | 0.9291% | 3,889 |
| Return on Equity (ROE) | 9.3783% | 2,369 |
| Retained earnings to average equity (ytd only) | 1.9419% | 4,910 |
| Net charge-offs to loans | 0.0189% | 3,559 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 76.3325% | 770 |
| Efficiency ratio | 81.2602% | 1,493 |
| Assets per employee ($millions) | 3.1634% | 5,349 |
| Cash dividends to net income (ytd only)* | 79.2936% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3896% | 2,650 |
| Loan loss allowance to noncurrent loans | 244.1667% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 1.2487% | 1,877 |
| Noncurrent loans to loans | 0.5691% | 3,630 |
| Net loans and leases to total assets | 65.7267% | 3,055 |
| Net loans and leases to deposits | 75.5002% | 3,367 |
| Net loans and leases to core deposits | 111.0150% | 817 |
| Total domestic deposits to total assets | 87.0551% | 2,009 |
| Equity capital to assets | 10.3117% | 3,798 |
| Core capital (leverage) ratio | 8.1897% | 5,782 |
| Tier 1 risk-based capital ratio | 14.1845% | 3,737 |
| Total risk-based capital ratio | 15.4356% | 3,673 |
| Memoranda: | ||
| Average total assets | $32,861,500 | 5,995 |
| Average earning assets | $29,034,500 | 5,997 |
| Average equity | $3,227,250 | 6,045 |
| Average total loans | $21,146,750 | 5,744 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8871% | 752 |
| Cost of funding earning assets | 0.2447% | 4,997 |
| Net interest margin | 4.6424% | 486 |
| Noninterest income to average assets | 0.7274% | 2,103 |
| Noninterest expense to average assets | 4.0035% | 672 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8235% | 3,256 |
| Return on assets (ROA) | 0.8235% | 3,366 |
| Pretax return on assets | 0.8296% | 4,206 |
| Return on Equity (ROE) | 8.5208% | 2,789 |
| Retained earnings to average equity (ytd only) | 1.0573% | 5,148 |
| Net charge-offs to loans | 0.0094% | 3,575 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 138.0000% | 458 |
| Efficiency ratio | 82.8358% | 1,395 |
| Assets per employee ($millions) | 3.2706% | 5,209 |
| Cash dividends to net income (ytd only)* | 87.5912% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4227% | 2,652 |
| Loan loss allowance to noncurrent loans | 415.4930% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 1.0579% | 2,389 |
| Noncurrent loans to loans | 0.3424% | 4,461 |
| Net loans and leases to total assets | 62.4962% | 3,480 |
| Net loans and leases to deposits | 69.3940% | 3,994 |
| Net loans and leases to core deposits | 109.6272% | 853 |
| Total domestic deposits to total assets | 90.0599% | 636 |
| Equity capital to assets | 9.8728% | 4,185 |
| Core capital (leverage) ratio | 8.5820% | 5,460 |
| Tier 1 risk-based capital ratio | 14.1511% | 3,843 |
| Total risk-based capital ratio | 15.4025% | 3,769 |
| Memoranda: | ||
| Average total assets | $33,270,670 | 6,052 |
| Average earning assets | $29,424,670 | 6,052 |
| Average equity | $3,215,670 | 6,108 |
| Average total loans | $21,167,330 | 5,804 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6331% | 1,156 |
| Cost of funding earning assets | 0.2530% | 4,990 |
| Net interest margin | 4.3802% | 763 |
| Noninterest income to average assets | 0.6795% | 2,258 |
| Noninterest expense to average assets | 4.0414% | 656 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5603% | 4,444 |
| Return on assets (ROA) | 0.5603% | 4,551 |
| Pretax return on assets | 0.5603% | 5,024 |
| Return on Equity (ROE) | 5.8585% | 4,105 |
| Retained earnings to average equity (ytd only) | -1.6204% | 5,640 |
| Net charge-offs to loans | 0.0374% | 2,461 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 23.5000% | 1,323 |
| Efficiency ratio | 87.8238% | 1,034 |
| Assets per employee ($millions) | 3.0471% | 5,610 |
| Cash dividends to net income (ytd only)* | 127.6596% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3896% | 2,961 |
| Loan loss allowance to noncurrent loans | 231.4961% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.3789% | 4,502 |
| Noncurrent loans to loans | 0.6003% | 3,775 |
| Net loans and leases to total assets | 62.2442% | 3,327 |
| Net loans and leases to deposits | 68.9116% | 3,867 |
| Net loans and leases to core deposits | 106.4222% | 911 |
| Total domestic deposits to total assets | 90.3246% | 597 |
| Equity capital to assets | 9.5680% | 4,671 |
| Core capital (leverage) ratio | 7.8666% | 6,003 |
| Tier 1 risk-based capital ratio | 13.6559% | 4,246 |
| Total risk-based capital ratio | 14.9063% | 4,148 |
| Memoranda: | ||
| Average total assets | $33,553,000 | 6,110 |
| Average earning assets | $30,044,500 | 6,105 |
| Average equity | $3,209,000 | 6,170 |
| Average total loans | $21,383,500 | 5,841 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0853% | 657 |
| Cost of funding earning assets | 0.1948% | 5,787 |
| Net interest margin | 4.8905% | 363 |
| Noninterest income to average assets | 0.5209% | 3,355 |
| Noninterest expense to average assets | 3.8525% | 908 |
| Loan and lease loss provision to assets | 0.0757% | 2,961 |
| Net operating income to assets | 0.9204% | 2,774 |
| Return on assets (ROA) | 0.8935% | 2,993 |
| Pretax return on assets | 0.8995% | 3,905 |
| Return on Equity (ROE) | 9.3278% | 2,426 |
| Retained earnings to average equity (ytd only) | 1.7391% | 4,948 |
| Net charge-offs to loans | 0.5275% | 772 |
| Credit loss provision to net charge-offs | 21.9298% | 3,955 |
| Earnings coverage of net charge-offs (x) | 2.9035% | 4,031 |
| Efficiency ratio | 79.3512% | 2,018 |
| Assets per employee ($millions) | 3.0535% | 5,630 |
| Cash dividends to net income (ytd only)* | 81.3559% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3697% | 3,085 |
| Loan loss allowance to noncurrent loans | 240.6504% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.3662% | 4,602 |
| Noncurrent loans to loans | 0.5692% | 3,963 |
| Net loans and leases to total assets | 63.4572% | 3,296 |
| Net loans and leases to deposits | 70.2112% | 3,883 |
| Net loans and leases to core deposits | 108.2588% | 878 |
| Total domestic deposits to total assets | 90.3805% | 581 |
| Equity capital to assets | 9.5600% | 4,641 |
| Core capital (leverage) ratio | 8.2856% | 5,788 |
| Tier 1 risk-based capital ratio | 14.1165% | 4,022 |
| Total risk-based capital ratio | 15.3674% | 3,944 |
| Memoranda: | ||
| Average total assets | $33,017,800 | 6,196 |
| Average earning assets | $29,261,000 | 6,194 |
| Average equity | $3,162,600 | 6,239 |
| Average total loans | $21,611,600 | 5,898 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1165% | 620 |
| Cost of funding earning assets | 0.1882% | 5,936 |
| Net interest margin | 4.9283% | 336 |
| Noninterest income to average assets | 0.4542% | 3,864 |
| Noninterest expense to average assets | 3.7393% | 1,062 |
| Loan and lease loss provision to assets | 0.0608% | 3,144 |
| Net operating income to assets | 1.0058% | 2,426 |
| Return on assets (ROA) | 0.9733% | 2,646 |
| Pretax return on assets | 0.9774% | 3,687 |
| Return on Equity (ROE) | 10.1568% | 2,141 |
| Retained earnings to average equity (ytd only) | 2.5393% | 4,780 |
| Net charge-offs to loans | 0.4318% | 919 |
| Credit loss provision to net charge-offs | 21.4286% | 3,568 |
| Earnings coverage of net charge-offs (x) | 3.7715% | 3,593 |
| Efficiency ratio | 77.7403% | 2,223 |
| Assets per employee ($millions) | 3.2094% | 5,408 |
| Cash dividends to net income (ytd only)* | 74.9992% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4921% | 2,753 |
| Loan loss allowance to noncurrent loans | 5,500.0000% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 6,106 |
| Noncurrent loans to loans | 0.0271% | 5,916 |
| Net loans and leases to total assets | 61.7115% | 3,534 |
| Net loans and leases to deposits | 67.9326% | 4,136 |
| Net loans and leases to core deposits | 100.8518% | 1,303 |
| Total domestic deposits to total assets | 90.8421% | 406 |
| Equity capital to assets | 9.0785% | 5,267 |
| Core capital (leverage) ratio | 8.3909% | 5,763 |
| Tier 1 risk-based capital ratio | 13.6721% | 4,431 |
| Total risk-based capital ratio | 14.9253% | 4,374 |
| Memoranda: | ||
| Average total assets | $32,875,250 | 6,275 |
| Average earning assets | $29,055,750 | 6,275 |
| Average equity | $3,150,500 | 6,309 |
| Average total loans | $21,612,000 | 5,963 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1492% | 555 |
| Cost of funding earning assets | 0.1918% | 5,987 |
| Net interest margin | 4.9574% | 304 |
| Noninterest income to average assets | 0.3306% | 4,776 |
| Noninterest expense to average assets | 3.8234% | 943 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8607% | 3,009 |
| Return on assets (ROA) | 0.8607% | 3,109 |
| Pretax return on assets | 0.8607% | 4,040 |
| Return on Equity (ROE) | 8.8113% | 2,690 |
| Retained earnings to average equity (ytd only) | 1.1493% | 5,294 |
| Net charge-offs to loans | 0.3078% | 1,314 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 4.1818% | 3,162 |
| Efficiency ratio | 81.6245% | 1,791 |
| Assets per employee ($millions) | 3.1284% | 5,550 |
| Cash dividends to net income (ytd only)* | 86.9565% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6381% | 2,328 |
| Loan loss allowance to noncurrent loans | 835.7143% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.1343% | 5,750 |
| Noncurrent loans to loans | 0.1960% | 5,430 |
| Net loans and leases to total assets | 67.3699% | 2,521 |
| Net loans and leases to deposits | 76.1059% | 3,041 |
| Net loans and leases to core deposits | 120.9527% | 352 |
| Total domestic deposits to total assets | 88.5213% | 1,625 |
| Equity capital to assets | 10.1458% | 3,904 |
| Core capital (leverage) ratio | 8.5478% | 5,588 |
| Tier 1 risk-based capital ratio | 14.2434% | 4,105 |
| Total risk-based capital ratio | 15.5014% | 4,029 |
| Memoranda: | ||
| Average total assets | $32,066,000 | 6,347 |
| Average earning assets | $28,159,670 | 6,349 |
| Average equity | $3,132,330 | 6,362 |
| Average total loans | $21,444,000 | 6,017 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0825% | 615 |
| Cost of funding earning assets | 0.1977% | 6,020 |
| Net interest margin | 4.8848% | 328 |
| Noninterest income to average assets | 0.0000% | 6,595 |
| Noninterest expense to average assets | 3.8204% | 947 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4437% | 4,959 |
| Return on assets (ROA) | 0.4437% | 5,023 |
| Pretax return on assets | 0.4437% | 5,327 |
| Return on Equity (ROE) | 4.6280% | 4,725 |
| Retained earnings to average equity (ytd only) | -3.0853% | 5,971 |
| Net charge-offs to loans | 0.1305% | 1,931 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 5.1429% | 2,417 |
| Efficiency ratio | 89.5954% | 1,075 |
| Assets per employee ($millions) | 3.4318% | 5,071 |
| Cash dividends to net income (ytd only)* | 166.6667% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7494% | 2,199 |
| Loan loss allowance to noncurrent loans | 350.0000% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.3147% | 5,208 |
| Noncurrent loans to loans | 0.4998% | 4,665 |
| Net loans and leases to total assets | 61.8626% | 3,262 |
| Net loans and leases to deposits | 68.0711% | 3,848 |
| Net loans and leases to core deposits | 92.8818% | 1,649 |
| Total domestic deposits to total assets | 90.8794% | 615 |
| Equity capital to assets | 9.0448% | 5,065 |
| Core capital (leverage) ratio | 8.4636% | 5,689 |
| Tier 1 risk-based capital ratio | 13.7308% | 4,518 |
| Total risk-based capital ratio | 14.9883% | 4,467 |
| Memoranda: | ||
| Average total assets | $32,457,000 | 6,405 |
| Average earning assets | $28,332,500 | 6,415 |
| Average equity | $3,111,500 | 6,424 |
| Average total loans | $21,452,500 | 6,073 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3874% | 447 |
| Cost of funding earning assets | 0.2060% | 6,253 |
| Net interest margin | 5.1814% | 221 |
| Noninterest income to average assets | 0.5002% | 3,755 |
| Noninterest expense to average assets | 4.0419% | 834 |
| Loan and lease loss provision to assets | 0.0155% | 4,814 |
| Net operating income to assets | 0.9755% | 2,437 |
| Return on assets (ROA) | 0.9755% | 2,505 |
| Pretax return on assets | 0.9755% | 3,449 |
| Return on Equity (ROE) | 9.9695% | 2,129 |
| Retained earnings to average equity (ytd only) | 1.4605% | 5,162 |
| Net charge-offs to loans | 0.1280% | 3,536 |
| Credit loss provision to net charge-offs | 18.5185% | 4,472 |
| Earnings coverage of net charge-offs (x) | 11.8148% | 2,195 |
| Efficiency ratio | 80.3086% | 2,104 |
| Assets per employee ($millions) | 2.7815% | 6,135 |
| Cash dividends to net income (ytd only)* | 85.3503% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8078% | 2,042 |
| Loan loss allowance to noncurrent loans | 293.8931% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 1.1897% | 3,023 |
| Noncurrent loans to loans | 0.6151% | 4,440 |
| Net loans and leases to total assets | 68.3488% | 2,293 |
| Net loans and leases to deposits | 79.0355% | 2,581 |
| Net loans and leases to core deposits | 91.7998% | 1,813 |
| Total domestic deposits to total assets | 86.4786% | 3,004 |
| Equity capital to assets | 10.1941% | 3,514 |
| Core capital (leverage) ratio | 8.3392% | 5,833 |
| Tier 1 risk-based capital ratio | 14.2215% | 4,138 |
| Total risk-based capital ratio | 15.4811% | 4,074 |
| Memoranda: | ||
| Average total assets | $32,187,800 | 6,476 |
| Average earning assets | $28,158,400 | 6,485 |
| Average equity | $3,149,600 | 6,509 |
| Average total loans | $21,101,400 | 6,146 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2888% | 540 |
| Cost of funding earning assets | 0.2114% | 6,345 |
| Net interest margin | 5.0774% | 275 |
| Noninterest income to average assets | 0.4542% | 4,127 |
| Noninterest expense to average assets | 3.7971% | 1,084 |
| Loan and lease loss provision to assets | 0.0205% | 4,588 |
| Net operating income to assets | 1.0597% | 2,147 |
| Return on assets (ROA) | 1.0597% | 2,234 |
| Pretax return on assets | 1.0597% | 3,265 |
| Return on Equity (ROE) | 10.9374% | 1,840 |
| Retained earnings to average equity (ytd only) | 2.1959% | 5,005 |
| Net charge-offs to loans | 0.1583% | 2,965 |
| Credit loss provision to net charge-offs | 20.0000% | 4,075 |
| Earnings coverage of net charge-offs (x) | 10.5608% | 2,342 |
| Efficiency ratio | 77.8523% | 2,444 |
| Assets per employee ($millions) | 3.0945% | 5,685 |
| Cash dividends to net income (ytd only)* | 79.9230% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7855% | 2,349 |
| Loan loss allowance to noncurrent loans | 7,740.0000% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.6992% | 4,366 |
| Noncurrent loans to loans | 0.0231% | 6,284 |
| Net loans and leases to total assets | 62.5353% | 3,252 |
| Net loans and leases to deposits | 68.8900% | 3,950 |
| Net loans and leases to core deposits | 94.3113% | 1,539 |
| Total domestic deposits to total assets | 90.7756% | 624 |
| Equity capital to assets | 9.1392% | 5,007 |
| Core capital (leverage) ratio | 7.7595% | 6,352 |
| Tier 1 risk-based capital ratio | 13.9090% | 4,491 |
| Total risk-based capital ratio | 15.1688% | 4,441 |
| Memoranda: | ||
| Average total assets | $32,585,750 | 6,548 |
| Average earning assets | $28,386,500 | 6,550 |
| Average equity | $3,157,250 | 6,578 |
| Average total loans | $21,052,500 | 6,211 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3118% | 515 |
| Cost of funding earning assets | 0.2207% | 6,363 |
| Net interest margin | 5.0911% | 261 |
| Noninterest income to average assets | 0.4486% | 4,169 |
| Noninterest expense to average assets | 3.8067% | 1,084 |
| Loan and lease loss provision to assets | 0.0312% | 4,306 |
| Net operating income to assets | 1.0654% | 2,056 |
| Return on assets (ROA) | 1.0654% | 2,172 |
| Pretax return on assets | 1.0654% | 3,243 |
| Return on Equity (ROE) | 10.7796% | 1,890 |
| Retained earnings to average equity (ytd only) | 1.5129% | 5,264 |
| Net charge-offs to loans | 0.0384% | 4,140 |
| Credit loss provision to net charge-offs | 125.0000% | 1,800 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 865 |
| Efficiency ratio | 77.6366% | 2,518 |
| Assets per employee ($millions) | 2.8749% | 6,063 |
| Cash dividends to net income (ytd only)* | 85.9649% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9360% | 1,999 |
| Loan loss allowance to noncurrent loans | 715.7895% | 632 |
| Noncurrent assets plus other real estate owned to assets | 1.1036% | 3,519 |
| Noncurrent loans to loans | 0.2705% | 5,628 |
| Net loans and leases to total assets | 65.3491% | 2,704 |
| Net loans and leases to deposits | 72.5377% | 3,372 |
| Net loans and leases to core deposits | 88.7639% | 2,025 |
| Total domestic deposits to total assets | 90.0898% | 976 |
| Equity capital to assets | 9.8722% | 4,091 |
| Core capital (leverage) ratio | 8.2751% | 5,916 |
| Tier 1 risk-based capital ratio | 14.5429% | 4,074 |
| Total risk-based capital ratio | 15.8042% | 4,036 |
| Memoranda: | ||
| Average total assets | $32,101,000 | 6,601 |
| Average earning assets | $28,088,330 | 6,607 |
| Average equity | $3,172,670 | 6,624 |
| Average total loans | $20,845,330 | 6,260 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2358% | 570 |
| Cost of funding earning assets | 0.2252% | 6,441 |
| Net interest margin | 5.0106% | 293 |
| Noninterest income to average assets | 0.5319% | 3,555 |
| Noninterest expense to average assets | 3.9209% | 974 |
| Loan and lease loss provision to assets | 0.0618% | 3,600 |
| Net operating income to assets | 0.9524% | 2,430 |
| Return on assets (ROA) | 0.9524% | 2,571 |
| Pretax return on assets | 0.9524% | 3,554 |
| Return on Equity (ROE) | 9.6310% | 2,220 |
| Retained earnings to average equity (ytd only) | -1.2508% | 5,985 |
| Net charge-offs to loans | 0.0193% | 3,769 |
| Credit loss provision to net charge-offs | 500.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 82.0000% | 455 |
| Efficiency ratio | 79.4486% | 2,409 |
| Assets per employee ($millions) | 3.0544% | 5,895 |
| Cash dividends to net income (ytd only)* | 112.9870% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9792% | 2,102 |
| Loan loss allowance to noncurrent loans | 10,275.0000% | 72 |
| Noncurrent assets plus other real estate owned to assets | 1.0536% | 3,827 |
| Noncurrent loans to loans | 0.0193% | 6,439 |
| Net loans and leases to total assets | 60.5840% | 3,331 |
| Net loans and leases to deposits | 66.9616% | 3,921 |
| Net loans and leases to core deposits | 82.3023% | 2,533 |
| Total domestic deposits to total assets | 90.4756% | 780 |
| Equity capital to assets | 9.4500% | 4,925 |
| Core capital (leverage) ratio | 7.9688% | 6,175 |
| Tier 1 risk-based capital ratio | 13.8197% | 4,636 |
| Total risk-based capital ratio | 15.0799% | 4,588 |
| Memoranda: | ||
| Average total assets | $32,339,500 | 6,658 |
| Average earning assets | $28,419,500 | 6,663 |
| Average equity | $3,198,000 | 6,681 |
| Average total loans | $20,731,000 | 6,324 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6098% | 494 |
| Cost of funding earning assets | 0.2638% | 6,615 |
| Net interest margin | 5.3460% | 217 |
| Noninterest income to average assets | 0.4657% | 4,135 |
| Noninterest expense to average assets | 3.8491% | 1,169 |
| Loan and lease loss provision to assets | 0.0617% | 4,999 |
| Net operating income to assets | 1.2429% | 1,467 |
| Return on assets (ROA) | 1.2429% | 1,630 |
| Pretax return on assets | 1.2429% | 2,629 |
| Return on Equity (ROE) | 12.5295% | 1,354 |
| Retained earnings to average equity (ytd only) | 1.6478% | 5,039 |
| Net charge-offs to loans | 0.2260% | 3,584 |
| Credit loss provision to net charge-offs | 41.6667% | 4,903 |
| Earnings coverage of net charge-offs (x) | 8.8125% | 2,347 |
| Efficiency ratio | 74.6858% | 2,952 |
| Assets per employee ($millions) | 2.8255% | 6,278 |
| Cash dividends to net income (ytd only)* | 86.8486% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9666% | 2,113 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1744% | 3,698 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 65.2778% | 2,655 |
| Net loans and leases to deposits | 72.9269% | 3,262 |
| Net loans and leases to core deposits | 83.3019% | 2,633 |
| Total domestic deposits to total assets | 89.5113% | 1,236 |
| Equity capital to assets | 10.3632% | 3,677 |
| Core capital (leverage) ratio | 8.0922% | 6,100 |
| Tier 1 risk-based capital ratio | 14.4767% | 4,051 |
| Total risk-based capital ratio | 15.7382% | 3,989 |
| Memoranda: | ||
| Average total assets | $32,423,400 | 6,697 |
| Average earning assets | $28,432,400 | 6,704 |
| Average equity | $3,216,400 | 6,740 |
| Average total loans | $21,243,600 | 6,366 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5325% | 639 |
| Cost of funding earning assets | 0.2725% | 6,723 |
| Net interest margin | 5.2601% | 269 |
| Noninterest income to average assets | 0.4477% | 4,312 |
| Noninterest expense to average assets | 3.6915% | 1,378 |
| Loan and lease loss provision to assets | 0.0814% | 4,613 |
| Net operating income to assets | 1.3105% | 1,416 |
| Return on assets (ROA) | 1.3105% | 1,555 |
| Pretax return on assets | 1.3105% | 2,554 |
| Return on Equity (ROE) | 13.3526% | 1,256 |
| Retained earnings to average equity (ytd only) | 2.4881% | 5,081 |
| Net charge-offs to loans | 0.0873% | 4,511 |
| Credit loss provision to net charge-offs | 142.8571% | 2,010 |
| Earnings coverage of net charge-offs (x) | 24.4237% | 1,276 |
| Efficiency ratio | 72.6181% | 3,209 |
| Assets per employee ($millions) | 3.0155% | 6,027 |
| Cash dividends to net income (ytd only)* | 81.3659% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0817% | 1,955 |
| Loan loss allowance to noncurrent loans | 290.1316% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 1.5586% | 3,254 |
| Noncurrent loans to loans | 0.7175% | 4,997 |
| Net loans and leases to total assets | 62.5384% | 3,293 |
| Net loans and leases to deposits | 69.4662% | 3,970 |
| Net loans and leases to core deposits | 89.9800% | 1,980 |
| Total domestic deposits to total assets | 90.0271% | 835 |
| Equity capital to assets | 9.7980% | 4,784 |
| Core capital (leverage) ratio | 8.0349% | 6,293 |
| Tier 1 risk-based capital ratio | 13.9338% | 4,579 |
| Total risk-based capital ratio | 15.1967% | 4,519 |
| Memoranda: | ||
| Average total assets | $32,759,000 | 6,774 |
| Average earning assets | $28,871,000 | 6,778 |
| Average equity | $3,215,250 | 6,829 |
| Average total loans | $21,380,500 | 6,448 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5604% | 628 |
| Cost of funding earning assets | 0.2992% | 6,746 |
| Net interest margin | 5.2611% | 256 |
| Noninterest income to average assets | 0.3985% | 4,660 |
| Noninterest expense to average assets | 3.6295% | 1,515 |
| Loan and lease loss provision to assets | 0.1226% | 3,989 |
| Net operating income to assets | 1.2813% | 1,488 |
| Return on assets (ROA) | 1.2813% | 1,648 |
| Pretax return on assets | 1.2813% | 2,626 |
| Return on Equity (ROE) | 13.0475% | 1,354 |
| Retained earnings to average equity (ytd only) | 2.1226% | 5,132 |
| Net charge-offs to loans | 0.0839% | 4,307 |
| Credit loss provision to net charge-offs | 222.2222% | 1,278 |
| Earnings coverage of net charge-offs (x) | 25.4444% | 1,199 |
| Efficiency ratio | 72.1072% | 3,415 |
| Assets per employee ($millions) | 2.9278% | 6,186 |
| Cash dividends to net income (ytd only)* | 83.7321% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0432% | 2,124 |
| Loan loss allowance to noncurrent loans | 857.6923% | 471 |
| Noncurrent assets plus other real estate owned to assets | 1.1302% | 4,132 |
| Noncurrent loans to loans | 0.2382% | 6,096 |
| Net loans and leases to total assets | 66.3914% | 2,597 |
| Net loans and leases to deposits | 74.2353% | 3,252 |
| Net loans and leases to core deposits | 105.2471% | 780 |
| Total domestic deposits to total assets | 89.4336% | 1,252 |
| Equity capital to assets | 9.9609% | 4,401 |
| Core capital (leverage) ratio | 8.1329% | 6,119 |
| Tier 1 risk-based capital ratio | 13.4614% | 4,862 |
| Total risk-based capital ratio | 14.7239% | 4,807 |
| Memoranda: | ||
| Average total assets | $32,622,000 | 6,827 |
| Average earning assets | $28,739,000 | 6,832 |
| Average equity | $3,203,670 | 6,869 |
| Average total loans | $21,445,670 | 6,495 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5299% | 715 |
| Cost of funding earning assets | 0.2765% | 6,918 |
| Net interest margin | 5.2534% | 276 |
| Noninterest income to average assets | 0.5483% | 3,574 |
| Noninterest expense to average assets | 3.7283% | 1,336 |
| Loan and lease loss provision to assets | 0.1828% | 3,143 |
| Net operating income to assets | 1.2671% | 1,547 |
| Return on assets (ROA) | 1.2671% | 1,717 |
| Pretax return on assets | 1.2671% | 2,662 |
| Return on Equity (ROE) | 12.9939% | 1,403 |
| Retained earnings to average equity (ytd only) | 1.9991% | 5,267 |
| Net charge-offs to loans | 0.2070% | 2,890 |
| Credit loss provision to net charge-offs | 136.3636% | 1,800 |
| Earnings coverage of net charge-offs (x) | 10.8182% | 1,727 |
| Efficiency ratio | 72.0000% | 3,447 |
| Assets per employee ($millions) | 3.1565% | 5,856 |
| Cash dividends to net income (ytd only)* | 84.6154% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0782% | 2,150 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0368% | 4,420 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 59.7085% | 3,731 |
| Net loans and leases to deposits | 65.8786% | 4,397 |
| Net loans and leases to core deposits | 89.8033% | 1,868 |
| Total domestic deposits to total assets | 90.6342% | 728 |
| Equity capital to assets | 9.1959% | 5,239 |
| Core capital (leverage) ratio | 8.0925% | 6,169 |
| Tier 1 risk-based capital ratio | 13.4709% | 4,848 |
| Total risk-based capital ratio | 14.7322% | 4,833 |
| Memoranda: | ||
| Average total assets | $32,830,000 | 6,871 |
| Average earning assets | $28,933,500 | 6,884 |
| Average equity | $3,201,500 | 6,921 |
| Average total loans | $21,254,500 | 6,543 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8943% | 529 |
| Cost of funding earning assets | 0.3864% | 6,926 |
| Net interest margin | 5.5079% | 173 |
| Noninterest income to average assets | 0.5625% | 3,411 |
| Noninterest expense to average assets | 4.1696% | 841 |
| Loan and lease loss provision to assets | 0.2411% | 3,798 |
| Net operating income to assets | 1.1577% | 1,646 |
| Return on assets (ROA) | 1.3571% | 1,211 |
| Pretax return on assets | 1.3571% | 1,923 |
| Return on Equity (ROE) | 14.2420% | 876 |
| Retained earnings to average equity (ytd only) | 3.6854% | 3,585 |
| Net charge-offs to loans | 0.0793% | 5,531 |
| Credit loss provision to net charge-offs | 450.0000% | 501 |
| Earnings coverage of net charge-offs (x) | 26.1111% | 950 |
| Efficiency ratio | 74.4522% | 3,152 |
| Assets per employee ($millions) | 2.8125% | 6,440 |
| Cash dividends to net income (ytd only)* | 74.1228% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0387% | 2,157 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1551% | 6,557 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 67.5609% | 2,480 |
| Net loans and leases to deposits | 79.8487% | 2,547 |
| Net loans and leases to core deposits | 89.8238% | 2,152 |
| Total domestic deposits to total assets | 84.6112% | 4,040 |
| Equity capital to assets | 10.3756% | 3,682 |
| Core capital (leverage) ratio | 8.1855% | 6,028 |
| Tier 1 risk-based capital ratio | 13.9112% | 4,389 |
| Total risk-based capital ratio | 15.1744% | 4,340 |
| Memoranda: | ||
| Average total assets | $33,600,400 | 6,869 |
| Average earning assets | $30,538,200 | 6,854 |
| Average equity | $3,201,800 | 6,962 |
| Average total loans | $22,702,000 | 6,523 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8683% | 599 |
| Cost of funding earning assets | 0.4057% | 7,001 |
| Net interest margin | 5.4626% | 185 |
| Noninterest income to average assets | 0.8599% | 1,805 |
| Noninterest expense to average assets | 3.7976% | 1,309 |
| Loan and lease loss provision to assets | 0.3035% | 3,101 |
| Net operating income to assets | 1.7354% | 584 |
| Return on assets (ROA) | 1.7354% | 640 |
| Pretax return on assets | 1.7354% | 1,071 |
| Return on Equity (ROE) | 18.5843% | 411 |
| Retained earnings to average equity (ytd only) | 8.1672% | 1,444 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6667% | 4,958 |
| Assets per employee ($millions) | 2.9327% | 6,256 |
| Cash dividends to net income (ytd only)* | 56.0548% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0348% | 2,244 |
| Loan loss allowance to noncurrent loans | 517.2414% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.3689% | 6,153 |
| Noncurrent loans to loans | 0.3934% | 6,069 |
| Net loans and leases to total assets | 67.1575% | 2,642 |
| Net loans and leases to deposits | 75.0459% | 3,503 |
| Net loans and leases to core deposits | 87.2358% | 2,598 |
| Total domestic deposits to total assets | 89.4885% | 1,149 |
| Equity capital to assets | 10.2728% | 3,997 |
| Core capital (leverage) ratio | 8.1675% | 6,169 |
| Tier 1 risk-based capital ratio | 13.8235% | 4,484 |
| Total risk-based capital ratio | 15.0881% | 4,432 |
| Memoranda: | ||
| Average total assets | $34,266,000 | 6,915 |
| Average earning assets | $31,217,500 | 6,896 |
| Average equity | $3,199,750 | 7,018 |
| Average total loans | $23,043,250 | 6,576 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9130% | 562 |
| Cost of funding earning assets | 0.4461% | 7,021 |
| Net interest margin | 5.4668% | 186 |
| Noninterest income to average assets | 0.5439% | 3,524 |
| Noninterest expense to average assets | 3.6468% | 1,631 |
| Loan and lease loss provision to assets | 0.2576% | 3,338 |
| Net operating income to assets | 1.6202% | 705 |
| Return on assets (ROA) | 1.6202% | 747 |
| Pretax return on assets | 1.6202% | 1,217 |
| Return on Equity (ROE) | 17.9019% | 468 |
| Retained earnings to average equity (ytd only) | 7.5909% | 1,621 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5959% | 4,955 |
| Assets per employee ($millions) | 3.3867% | 5,237 |
| Cash dividends to net income (ytd only)* | 57.5972% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7942% | 3,016 |
| Loan loss allowance to noncurrent loans | 313.5338% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.3927% | 6,156 |
| Noncurrent loans to loans | 0.5722% | 5,781 |
| Net loans and leases to total assets | 67.3960% | 2,738 |
| Net loans and leases to deposits | 76.2307% | 3,421 |
| Net loans and leases to core deposits | 85.2156% | 3,044 |
| Total domestic deposits to total assets | 88.4105% | 1,914 |
| Equity capital to assets | 9.5668% | 4,714 |
| Core capital (leverage) ratio | 7.6723% | 6,612 |
| Tier 1 risk-based capital ratio | 12.1575% | 5,658 |
| Total risk-based capital ratio | 13.4140% | 5,630 |
| Memoranda: | ||
| Average total assets | $34,934,670 | 6,962 |
| Average earning assets | $31,828,330 | 6,939 |
| Average equity | $3,161,670 | 7,086 |
| Average total loans | $23,352,670 | 6,619 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5761% | 1,105 |
| Cost of funding earning assets | 0.4667% | 7,072 |
| Net interest margin | 5.1094% | 299 |
| Noninterest income to average assets | 0.5300% | 3,655 |
| Noninterest expense to average assets | 3.7103% | 1,513 |
| Loan and lease loss provision to assets | 0.1692% | 3,933 |
| Net operating income to assets | 1.3420% | 1,169 |
| Return on assets (ROA) | 1.3420% | 1,218 |
| Pretax return on assets | 1.3420% | 1,905 |
| Return on Equity (ROE) | 15.2442% | 784 |
| Retained earnings to average equity (ytd only) | 5.6365% | 2,834 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6263% | 4,128 |
| Assets per employee ($millions) | 3.7227% | 4,491 |
| Cash dividends to net income (ytd only)* | 63.0252% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6548% | 3,509 |
| Loan loss allowance to noncurrent loans | 162.3431% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.6420% | 5,675 |
| Noncurrent loans to loans | 1.0193% | 5,018 |
| Net loans and leases to total assets | 61.9416% | 3,870 |
| Net loans and leases to deposits | 67.7807% | 4,708 |
| Net loans and leases to core deposits | 81.3110% | 3,559 |
| Total domestic deposits to total assets | 91.3853% | 450 |
| Equity capital to assets | 8.4535% | 5,971 |
| Core capital (leverage) ratio | 7.4900% | 6,732 |
| Tier 1 risk-based capital ratio | 11.3466% | 6,216 |
| Total risk-based capital ratio | 12.6004% | 6,198 |
| Memoranda: | ||
| Average total assets | $35,468,500 | 6,987 |
| Average earning assets | $32,567,500 | 6,971 |
| Average equity | $3,122,500 | 7,135 |
| Average total loans | $23,408,000 | 6,674 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8914% | 1,063 |
| Cost of funding earning assets | 0.7072% | 6,865 |
| Net interest margin | 5.1842% | 292 |
| Noninterest income to average assets | 0.5511% | 3,816 |
| Noninterest expense to average assets | 3.4062% | 2,422 |
| Loan and lease loss provision to assets | 0.4929% | 3,194 |
| Net operating income to assets | 1.3210% | 1,123 |
| Return on assets (ROA) | 1.3210% | 1,191 |
| Pretax return on assets | 1.3210% | 1,882 |
| Return on Equity (ROE) | 15.8503% | 600 |
| Retained earnings to average equity (ytd only) | 3.6220% | 3,328 |
| Net charge-offs to loans | 0.0620% | 6,166 |
| Credit loss provision to net charge-offs | 1,271.4286% | 176 |
| Earnings coverage of net charge-offs (x) | 46.7857% | 495 |
| Efficiency ratio | 64.8806% | 5,185 |
| Assets per employee ($millions) | 3.0645% | 5,962 |
| Cash dividends to net income (ytd only)* | 77.1488% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5919% | 3,604 |
| Loan loss allowance to noncurrent loans | 103.0471% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 1.2222% | 4,580 |
| Noncurrent loans to loans | 1.5448% | 4,178 |
| Net loans and leases to total assets | 68.2201% | 2,926 |
| Net loans and leases to deposits | 84.3339% | 2,399 |
| Net loans and leases to core deposits | 105.4376% | 1,227 |
| Total domestic deposits to total assets | 80.8929% | 5,555 |
| Equity capital to assets | 9.1902% | 4,855 |
| Core capital (leverage) ratio | 7.2946% | 6,847 |
| Tier 1 risk-based capital ratio | 11.5859% | 5,834 |
| Total risk-based capital ratio | 12.8434% | 5,842 |
| Memoranda: | ||
| Average total assets | $36,110,200 | 7,003 |
| Average earning assets | $32,522,000 | 7,001 |
| Average equity | $3,009,400 | 7,276 |
| Average total loans | $22,565,600 | 6,791 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8693% | 1,207 |
| Cost of funding earning assets | 0.7488% | 6,915 |
| Net interest margin | 5.1204% | 341 |
| Noninterest income to average assets | 0.5339% | 3,917 |
| Noninterest expense to average assets | 3.2978% | 2,582 |
| Loan and lease loss provision to assets | 0.6029% | 2,531 |
| Net operating income to assets | 1.2276% | 1,520 |
| Return on assets (ROA) | 1.2276% | 1,594 |
| Pretax return on assets | 1.2276% | 2,400 |
| Return on Equity (ROE) | 15.0861% | 843 |
| Retained earnings to average equity (ytd only) | 2.8120% | 4,460 |
| Net charge-offs to loans | 0.0537% | 5,987 |
| Credit loss provision to net charge-offs | 1,844.4444% | 168 |
| Earnings coverage of net charge-offs (x) | 55.9983% | 517 |
| Efficiency ratio | 63.8810% | 5,261 |
| Assets per employee ($millions) | 3.1119% | 5,896 |
| Cash dividends to net income (ytd only)* | 81.3607% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6371% | 3,383 |
| Loan loss allowance to noncurrent loans | 177.1845% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.7508% | 5,604 |
| Noncurrent loans to loans | 0.9240% | 5,392 |
| Net loans and leases to total assets | 64.0647% | 4,115 |
| Net loans and leases to deposits | 74.5462% | 4,423 |
| Net loans and leases to core deposits | 91.5237% | 2,870 |
| Total domestic deposits to total assets | 85.9396% | 3,112 |
| Equity capital to assets | 8.9802% | 5,605 |
| Core capital (leverage) ratio | 6.6180% | 7,304 |
| Tier 1 risk-based capital ratio | 11.5839% | 5,844 |
| Total risk-based capital ratio | 12.8416% | 5,830 |
| Memoranda: | ||
| Average total assets | $36,710,250 | 7,071 |
| Average earning assets | $32,939,250 | 7,069 |
| Average equity | $2,987,250 | 7,371 |
| Average total loans | $22,364,750 | 6,891 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8273% | 1,353 |
| Cost of funding earning assets | 0.7770% | 6,983 |
| Net interest margin | 5.0503% | 377 |
| Noninterest income to average assets | 0.5381% | 3,808 |
| Noninterest expense to average assets | 3.2555% | 2,709 |
| Loan and lease loss provision to assets | 0.7566% | 1,898 |
| Net operating income to assets | 1.0283% | 2,091 |
| Return on assets (ROA) | 1.0283% | 2,166 |
| Pretax return on assets | 1.0283% | 3,015 |
| Return on Equity (ROE) | 13.0479% | 1,229 |
| Retained earnings to average equity (ytd only) | -0.4732% | 5,840 |
| Net charge-offs to loans | 0.0804% | 5,333 |
| Credit loss provision to net charge-offs | 1,577.7778% | 253 |
| Earnings coverage of net charge-offs (x) | 37.2222% | 773 |
| Efficiency ratio | 64.1649% | 5,308 |
| Assets per employee ($millions) | 4.1017% | 3,576 |
| Cash dividends to net income (ytd only)* | 103.6269% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4831% | 4,005 |
| Loan loss allowance to noncurrent loans | 77.5000% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 1.3301% | 4,494 |
| Noncurrent loans to loans | 1.9136% | 3,851 |
| Net loans and leases to total assets | 61.3626% | 4,806 |
| Net loans and leases to deposits | 67.7636% | 5,581 |
| Net loans and leases to core deposits | 101.4875% | 1,868 |
| Total domestic deposits to total assets | 90.5540% | 664 |
| Equity capital to assets | 8.1566% | 6,591 |
| Core capital (leverage) ratio | 6.4499% | 7,394 |
| Tier 1 risk-based capital ratio | 10.8587% | 6,391 |
| Total risk-based capital ratio | 12.1110% | 6,375 |
| Memoranda: | ||
| Average total assets | $37,536,670 | 7,089 |
| Average earning assets | $33,463,330 | 7,095 |
| Average equity | $2,958,330 | 7,425 |
| Average total loans | $22,388,000 | 6,941 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6407% | 1,987 |
| Cost of funding earning assets | 0.7854% | 7,134 |
| Net interest margin | 4.8553% | 575 |
| Noninterest income to average assets | 0.5918% | 3,331 |
| Noninterest expense to average assets | 3.0966% | 3,276 |
| Loan and lease loss provision to assets | 1.2471% | 970 |
| Net operating income to assets | 0.5601% | 4,078 |
| Return on assets (ROA) | 0.5601% | 4,224 |
| Pretax return on assets | 0.5601% | 4,749 |
| Return on Equity (ROE) | 7.2306% | 3,230 |
| Retained earnings to average equity (ytd only) | -20.0546% | 7,370 |
| Net charge-offs to loans | 0.1087% | 4,339 |
| Credit loss provision to net charge-offs | 1,966.6667% | 262 |
| Earnings coverage of net charge-offs (x) | 28.5000% | 902 |
| Efficiency ratio | 62.7155% | 5,704 |
| Assets per employee ($millions) | 3.9930% | 3,891 |
| Cash dividends to net income (ytd only)* | 377.3585% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4298% | 4,265 |
| Loan loss allowance to noncurrent loans | 66.5281% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 1.4804% | 4,293 |
| Noncurrent loans to loans | 2.1491% | 3,587 |
| Net loans and leases to total assets | 61.3880% | 4,876 |
| Net loans and leases to deposits | 69.7669% | 5,372 |
| Net loans and leases to core deposits | 90.8496% | 3,249 |
| Total domestic deposits to total assets | 87.9901% | 2,064 |
| Equity capital to assets | 7.9472% | 6,711 |
| Core capital (leverage) ratio | 5.4822% | 7,656 |
| Tier 1 risk-based capital ratio | 10.7695% | 6,373 |
| Total risk-based capital ratio | 12.0224% | 6,354 |
| Memoranda: | ||
| Average total assets | $37,847,500 | 7,172 |
| Average earning assets | $33,613,000 | 7,178 |
| Average equity | $2,932,000 | 7,513 |
| Average total loans | $22,085,500 | 7,044 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7402% | 2,910 |
| Cost of funding earning assets | 0.8648% | 7,461 |
| Net interest margin | 4.8754% | 590 |
| Noninterest income to average assets | 0.6458% | 3,320 |
| Noninterest expense to average assets | 3.2177% | 3,321 |
| Loan and lease loss provision to assets | 0.2533% | 5,370 |
| Net operating income to assets | 1.4586% | 736 |
| Return on assets (ROA) | 1.4586% | 802 |
| Pretax return on assets | 1.4586% | 1,292 |
| Return on Equity (ROE) | 18.0441% | 367 |
| Retained earnings to average equity (ytd only) | 7.7135% | 770 |
| Net charge-offs to loans | 0.1995% | 5,399 |
| Credit loss provision to net charge-offs | 252.7778% | 1,397 |
| Earnings coverage of net charge-offs (x) | 17.0833% | 1,209 |
| Efficiency ratio | 64.8786% | 5,603 |
| Assets per employee ($millions) | 3.9758% | 3,859 |
| Cash dividends to net income (ytd only)* | 57.2519% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9546% | 6,618 |
| Loan loss allowance to noncurrent loans | 26.0652% | 6,730 |
| Noncurrent assets plus other real estate owned to assets | 2.0071% | 3,386 |
| Noncurrent loans to loans | 3.6622% | 2,054 |
| Net loans and leases to total assets | 54.2834% | 6,172 |
| Net loans and leases to deposits | 58.8001% | 6,722 |
| Net loans and leases to core deposits | 91.3872% | 4,962 |
| Total domestic deposits to total assets | 92.3185% | 216 |
| Equity capital to assets | 7.5658% | 6,972 |
| Core capital (leverage) ratio | 6.2704% | 7,568 |
| Tier 1 risk-based capital ratio | 11.2163% | 5,698 |
| Total risk-based capital ratio | 12.1962% | 5,943 |
| Memoranda: | ||
| Average total assets | $35,926,000 | 7,248 |
| Average earning assets | $31,566,600 | 7,285 |
| Average equity | $2,904,000 | 7,615 |
| Average total loans | $18,046,000 | 7,310 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7142% | 3,272 |
| Cost of funding earning assets | 0.8459% | 7,630 |
| Net interest margin | 4.8683% | 598 |
| Noninterest income to average assets | 0.7168% | 2,906 |
| Noninterest expense to average assets | 3.2219% | 3,230 |
| Loan and lease loss provision to assets | 0.0420% | 6,950 |
| Net operating income to assets | 1.7539% | 503 |
| Return on assets (ROA) | 1.7539% | 525 |
| Pretax return on assets | 1.7539% | 876 |
| Return on Equity (ROE) | 21.3106% | 241 |
| Retained earnings to average equity (ytd only) | 11.4892% | 415 |
| Net charge-offs to loans | 0.1948% | 4,844 |
| Credit loss provision to net charge-offs | 44.0000% | 6,385 |
| Earnings coverage of net charge-offs (x) | 18.8413% | 1,329 |
| Efficiency ratio | 63.7538% | 5,801 |
| Assets per employee ($millions) | 4.3771% | 3,077 |
| Cash dividends to net income (ytd only)* | 46.0869% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7427% | 7,280 |
| Loan loss allowance to noncurrent loans | 213.8462% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.1650% | 7,122 |
| Noncurrent loans to loans | 0.3473% | 6,661 |
| Net loans and leases to total assets | 47.1544% | 7,022 |
| Net loans and leases to deposits | 51.1412% | 7,353 |
| Net loans and leases to core deposits | 88.2596% | 5,615 |
| Total domestic deposits to total assets | 92.2044% | 149 |
| Equity capital to assets | 7.6611% | 7,181 |
| Core capital (leverage) ratio | 6.0245% | 7,795 |
| Tier 1 risk-based capital ratio | 11.6679% | 5,276 |
| Total risk-based capital ratio | 12.3428% | 5,815 |
| Memoranda: | ||
| Average total assets | $34,968,000 | 7,338 |
| Average earning assets | $30,893,000 | 7,374 |
| Average equity | $2,878,000 | 7,696 |
| Average total loans | $17,110,000 | 7,412 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7919% | 3,088 |
| Cost of funding earning assets | 0.8022% | 7,819 |
| Net interest margin | 4.9897% | 442 |
| Noninterest income to average assets | 0.7345% | 2,792 |
| Noninterest expense to average assets | 3.2365% | 3,208 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.8810% | 389 |
| Return on assets (ROA) | 1.8810% | 420 |
| Pretax return on assets | 1.8810% | 722 |
| Return on Equity (ROE) | 22.2510% | 225 |
| Retained earnings to average equity (ytd only) | 14.3396% | 240 |
| Net charge-offs to loans | 0.0965% | 5,205 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 39.3750% | 822 |
| Efficiency ratio | 62.7771% | 6,125 |
| Assets per employee ($millions) | 4.0617% | 3,568 |
| Cash dividends to net income (ytd only)* | 35.5556% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8388% | 7,023 |
| Loan loss allowance to noncurrent loans | 4,833.3333% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.1395% | 7,215 |
| Noncurrent loans to loans | 0.0174% | 7,510 |
| Net loans and leases to total assets | 46.8910% | 7,136 |
| Net loans and leases to deposits | 51.0787% | 7,429 |
| Net loans and leases to core deposits | 56.1485% | 7,583 |
| Total domestic deposits to total assets | 91.8014% | 245 |
| Equity capital to assets | 8.0509% | 6,690 |
| Core capital (leverage) ratio | 6.5054% | 7,792 |
| Tier 1 risk-based capital ratio | 12.2932% | 4,680 |
| Total risk-based capital ratio | 13.0498% | 5,015 |
| Memoranda: | ||
| Average total assets | $33,492,670 | 7,470 |
| Average earning assets | $29,420,330 | 7,507 |
| Average equity | $2,831,330 | 7,778 |
| Average total loans | $16,575,000 | 7,508 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8000% | 3,302 |
| Cost of funding earning assets | 0.8491% | 7,868 |
| Net interest margin | 4.9509% | 455 |
| Noninterest income to average assets | 0.8010% | 2,317 |
| Noninterest expense to average assets | 3.3415% | 2,529 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.7646% | 570 |
| Return on assets (ROA) | 1.7646% | 624 |
| Pretax return on assets | 1.7646% | 1,051 |
| Return on Equity (ROE) | 20.3207% | 401 |
| Retained earnings to average equity (ytd only) | 14.9883% | 419 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9510% | 5,513 |
| Assets per employee ($millions) | 4.0030% | 3,659 |
| Cash dividends to net income (ytd only)* | 26.2411% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9660% | 6,391 |
| Loan loss allowance to noncurrent loans | 340.0000% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.1405% | 7,158 |
| Noncurrent loans to loans | 0.2841% | 6,727 |
| Net loans and leases to total assets | 48.9789% | 6,948 |
| Net loans and leases to deposits | 53.7692% | 7,305 |
| Net loans and leases to core deposits | 58.5261% | 7,517 |
| Total domestic deposits to total assets | 91.0911% | 385 |
| Equity capital to assets | 8.8090% | 5,610 |
| Core capital (leverage) ratio | 7.1761% | 7,504 |
| Tier 1 risk-based capital ratio | 13.0599% | 4,154 |
| Total risk-based capital ratio | 13.9463% | 4,316 |
| Memoranda: | ||
| Average total assets | $31,961,500 | 7,570 |
| Average earning assets | $27,793,000 | 7,619 |
| Average equity | $2,775,500 | 7,844 |
| Average total loans | $16,219,500 | 7,568 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3777% | 3,533 |
| Cost of funding earning assets | 1.3902% | 7,749 |
| Net interest margin | 4.9875% | 525 |
| Noninterest income to average assets | 0.7918% | 2,563 |
| Noninterest expense to average assets | 3.5235% | 2,331 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.6598% | 732 |
| Return on assets (ROA) | 1.6598% | 700 |
| Pretax return on assets | 1.6598% | 1,241 |
| Return on Equity (ROE) | 20.7487% | 322 |
| Retained earnings to average equity (ytd only) | 7.8240% | 895 |
| Net charge-offs to loans | 0.0274% | 6,441 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 120.0000% | 376 |
| Efficiency ratio | 67.4450% | 4,830 |
| Assets per employee ($millions) | 3.5443% | 4,558 |
| Cash dividends to net income (ytd only)* | 62.2917% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9216% | 6,554 |
| Loan loss allowance to noncurrent loans | 347.7273% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.1379% | 7,028 |
| Noncurrent loans to loans | 0.2650% | 6,579 |
| Net loans and leases to total assets | 51.5627% | 6,888 |
| Net loans and leases to deposits | 56.5107% | 7,283 |
| Net loans and leases to core deposits | 60.3176% | 7,572 |
| Total domestic deposits to total assets | 91.2442% | 264 |
| Equity capital to assets | 8.5583% | 5,996 |
| Core capital (leverage) ratio | 6.3544% | 7,978 |
| Tier 1 risk-based capital ratio | 11.7702% | 5,008 |
| Total risk-based capital ratio | 12.6082% | 5,279 |
| Memoranda: | ||
| Average total assets | $28,920,000 | 7,685 |
| Average earning assets | $25,463,600 | 7,718 |
| Average equity | $2,313,400 | 8,046 |
| Average total loans | $14,572,000 | 7,673 |