Home > Ashton State Bank > Performance and Condition Ratios
Ashton State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7649% | 2,546 |
| Cost of funding earning assets | 1.5520% | 1,807 |
| Net interest margin | 3.2129% | 2,847 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 1.9496% | 3,735 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.4872% | 1,041 |
| Return on assets (ROA) | 1.4872% | 1,009 |
| Pretax return on assets | 1.5578% | 1,312 |
| Return on Equity (ROE) | 16.4300% | 1,030 |
| Retained earnings to average equity (ytd only) | 8.7363% | 1,321 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 55.5850% | 3,538 |
| Assets per employee ($millions) | 6.8721% | 2,155 |
| Cash dividends to net income (ytd only)* | 46.8165% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1330% | 2,639 |
| Loan loss allowance to noncurrent loans | 1,100.0000% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.0673% | 3,118 |
| Noncurrent loans to loans | 0.1030% | 3,026 |
| Net loans and leases to total assets | 64.6000% | 2,412 |
| Net loans and leases to deposits | 85.7930% | 1,628 |
| Net loans and leases to core deposits | 91.8315% | 1,914 |
| Total domestic deposits to total assets | 75.3000% | 4,005 |
| Equity capital to assets | 9.7222% | 2,184 |
| Core capital (leverage) ratio | 13.7041% | 864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $53,858,400 | 4,274 |
| Average earning assets | $50,514,800 | 4,244 |
| Average equity | $4,876,200 | 4,271 |
| Average total loans | $34,799,000 | 4,072 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7031% | 2,465 |
| Cost of funding earning assets | 1.4351% | 1,775 |
| Net interest margin | 3.2680% | 2,756 |
| Noninterest income to average assets | 0.5600% | 1,683 |
| Noninterest expense to average assets | 1.8066% | 3,962 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.7320% | 756 |
| Return on assets (ROA) | 1.7320% | 742 |
| Pretax return on assets | 1.8166% | 989 |
| Return on Equity (ROE) | 19.5000% | 774 |
| Retained earnings to average equity (ytd only) | 15.9974% | 462 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 49.8626% | 3,923 |
| Assets per employee ($millions) | 7.4557% | 1,666 |
| Cash dividends to net income (ytd only)* | 17.9598% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2016% | 2,350 |
| Loan loss allowance to noncurrent loans | 1,071.0526% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.0728% | 3,114 |
| Noncurrent loans to loans | 0.1122% | 3,016 |
| Net loans and leases to total assets | 64.1200% | 2,432 |
| Net loans and leases to deposits | 79.9336% | 2,057 |
| Net loans and leases to core deposits | 84.6894% | 2,285 |
| Total domestic deposits to total assets | 80.2200% | 3,494 |
| Equity capital to assets | 8.7105% | 2,595 |
| Core capital (leverage) ratio | 14.3752% | 739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $53,578,750 | 4,294 |
| Average earning assets | $50,263,500 | 4,266 |
| Average equity | $4,759,000 | 4,292 |
| Average total loans | $34,518,500 | 4,094 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5879% | 2,436 |
| Cost of funding earning assets | 1.2838% | 1,757 |
| Net interest margin | 3.3041% | 2,740 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 1.7431% | 4,094 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.8504% | 610 |
| Return on assets (ROA) | 1.8504% | 609 |
| Pretax return on assets | 1.9392% | 822 |
| Return on Equity (ROE) | 20.7000% | 640 |
| Retained earnings to average equity (ytd only) | 15.5280% | 512 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 47.3367% | 4,104 |
| Assets per employee ($millions) | 7.6314% | 1,520 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1769% | 2,558 |
| Loan loss allowance to noncurrent loans | 1,043.5897% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.1104% | 2,771 |
| Noncurrent loans to loans | 0.1128% | 2,915 |
| Net loans and leases to total assets | 63.9800% | 2,388 |
| Net loans and leases to deposits | 78.8701% | 2,056 |
| Net loans and leases to core deposits | 82.3796% | 2,303 |
| Total domestic deposits to total assets | 81.1200% | 3,412 |
| Equity capital to assets | 9.2381% | 2,354 |
| Core capital (leverage) ratio | 13.8494% | 803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $54,041,667 | 4,311 |
| Average earning assets | $50,786,000 | 4,282 |
| Average equity | $4,830,000 | 4,303 |
| Average total loans | $34,734,000 | 4,102 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4093% | 2,529 |
| Cost of funding earning assets | 1.1062% | 1,733 |
| Net interest margin | 3.3030% | 2,867 |
| Noninterest income to average assets | 0.9400% | 633 |
| Noninterest expense to average assets | 1.7295% | 4,160 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.2005% | 365 |
| Return on assets (ROA) | 2.2005% | 363 |
| Pretax return on assets | 2.3108% | 473 |
| Return on Equity (ROE) | 25.0300% | 404 |
| Retained earnings to average equity (ytd only) | 25.0340% | 180 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 42.8051% | 4,351 |
| Assets per employee ($millions) | 7.6751% | 1,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1898% | 2,608 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0372% | 3,416 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 62.9100% | 2,367 |
| Net loans and leases to deposits | 76.7101% | 2,062 |
| Net loans and leases to core deposits | 80.5356% | 2,213 |
| Total domestic deposits to total assets | 82.0100% | 3,486 |
| Equity capital to assets | 9.4535% | 2,179 |
| Core capital (leverage) ratio | 13.5779% | 815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $54,352,500 | 4,368 |
| Average earning assets | $50,983,500 | 4,345 |
| Average equity | $4,777,500 | 4,366 |
| Average total loans | $34,809,500 | 4,155 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8926% | 2,004 |
| Cost of funding earning assets | 0.6726% | 666 |
| Net interest margin | 3.2200% | 2,806 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 1.7320% | 4,119 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.3063% | 1,401 |
| Return on assets (ROA) | 1.3063% | 1,368 |
| Pretax return on assets | 1.3736% | 1,852 |
| Return on Equity (ROE) | 14.5000% | 1,402 |
| Retained earnings to average equity (ytd only) | 4.4024% | 3,266 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 53.2141% | 3,859 |
| Assets per employee ($millions) | 7.8541% | 1,402 |
| Cash dividends to net income (ytd only)* | 69.6379% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1493% | 2,647 |
| Loan loss allowance to noncurrent loans | 357.0175% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.7894% | 602 |
| Noncurrent loans to loans | 0.3219% | 1,996 |
| Net loans and leases to total assets | 63.6700% | 2,272 |
| Net loans and leases to deposits | 82.8736% | 1,550 |
| Net loans and leases to core deposits | 85.0586% | 1,815 |
| Total domestic deposits to total assets | 76.8300% | 4,192 |
| Equity capital to assets | 8.1413% | 2,969 |
| Core capital (leverage) ratio | 13.2121% | 884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $54,965,600 | 4,387 |
| Average earning assets | $50,994,000 | 4,363 |
| Average equity | $4,951,800 | 4,435 |
| Average total loans | $32,154,400 | 4,205 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7680% | 1,842 |
| Cost of funding earning assets | 0.6162% | 398 |
| Net interest margin | 3.1518% | 2,772 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 1.6569% | 4,233 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.2833% | 1,415 |
| Return on assets (ROA) | 1.2833% | 1,384 |
| Pretax return on assets | 1.3488% | 1,890 |
| Return on Equity (ROE) | 13.9100% | 1,452 |
| Retained earnings to average equity (ytd only) | 4.0493% | 3,426 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.5789% | 3,964 |
| Assets per employee ($millions) | 7.4819% | 1,620 |
| Cash dividends to net income (ytd only)* | 70.8885% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1693% | 2,699 |
| Loan loss allowance to noncurrent loans | 548.5714% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.7447% | 681 |
| Noncurrent loans to loans | 0.2132% | 2,546 |
| Net loans and leases to total assets | 61.9700% | 2,291 |
| Net loans and leases to deposits | 73.1123% | 2,119 |
| Net loans and leases to core deposits | 76.1306% | 2,186 |
| Total domestic deposits to total assets | 84.7600% | 3,340 |
| Equity capital to assets | 7.2938% | 3,342 |
| Core capital (leverage) ratio | 12.7908% | 971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $54,962,250 | 4,424 |
| Average earning assets | $50,847,500 | 4,397 |
| Average equity | $5,070,750 | 4,460 |
| Average total loans | $31,340,000 | 4,242 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6010% | 1,844 |
| Cost of funding earning assets | 0.6086% | 255 |
| Net interest margin | 2.9924% | 2,904 |
| Noninterest income to average assets | 0.2257% | 3,841 |
| Noninterest expense to average assets | 1.6408% | 4,235 |
| Loan and lease loss provision to assets | 0.1361% | 700 |
| Net operating income to assets | 1.1572% | 1,577 |
| Return on assets (ROA) | 1.1572% | 1,559 |
| Pretax return on assets | 1.2145% | 2,027 |
| Return on Equity (ROE) | 11.7719% | 1,735 |
| Retained earnings to average equity (ytd only) | 2.6605% | 3,559 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8503% | 3,879 |
| Assets per employee ($millions) | 7.8326% | 1,393 |
| Cash dividends to net income (ytd only)* | 77.3994% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1581% | 2,893 |
| Loan loss allowance to noncurrent loans | 201.1111% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.9119% | 550 |
| Noncurrent loans to loans | 0.5758% | 1,466 |
| Net loans and leases to total assets | 56.3526% | 2,715 |
| Net loans and leases to deposits | 66.5238% | 2,507 |
| Net loans and leases to core deposits | 69.1394% | 2,554 |
| Total domestic deposits to total assets | 84.7104% | 3,547 |
| Equity capital to assets | 8.2257% | 2,961 |
| Core capital (leverage) ratio | 12.1832% | 1,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,825,333 | 4,457 |
| Average earning assets | $51,597,000 | 4,444 |
| Average equity | $5,487,667 | 4,468 |
| Average total loans | $30,840,000 | 4,297 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4367% | 1,985 |
| Cost of funding earning assets | 0.6060% | 253 |
| Net interest margin | 2.8307% | 3,041 |
| Noninterest income to average assets | 0.2131% | 3,882 |
| Noninterest expense to average assets | 1.6192% | 4,266 |
| Loan and lease loss provision to assets | 0.1065% | 787 |
| Net operating income to assets | 1.0511% | 1,688 |
| Return on assets (ROA) | 1.0511% | 1,681 |
| Pretax return on assets | 1.1079% | 2,115 |
| Return on Equity (ROE) | 9.9055% | 1,993 |
| Retained earnings to average equity (ytd only) | 1.5394% | 3,675 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1429% | 3,763 |
| Assets per employee ($millions) | 8.1633% | 1,277 |
| Cash dividends to net income (ytd only)* | 84.4595% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1096% | 3,290 |
| Loan loss allowance to noncurrent loans | 484.2857% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.6825% | 841 |
| Noncurrent loans to loans | 0.2291% | 2,677 |
| Net loans and leases to total assets | 52.8726% | 2,895 |
| Net loans and leases to deposits | 64.3583% | 2,494 |
| Net loans and leases to core deposits | 66.8562% | 2,552 |
| Total domestic deposits to total assets | 82.1535% | 4,056 |
| Equity capital to assets | 9.1385% | 2,590 |
| Core capital (leverage) ratio | 11.8190% | 1,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,324,000 | 4,479 |
| Average earning assets | $52,143,500 | 4,460 |
| Average equity | $5,976,500 | 4,466 |
| Average total loans | $30,630,500 | 4,316 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1151% | 1,135 |
| Cost of funding earning assets | 0.7686% | 235 |
| Net interest margin | 3.3465% | 2,184 |
| Noninterest income to average assets | 0.0221% | 4,768 |
| Noninterest expense to average assets | 1.7008% | 4,295 |
| Loan and lease loss provision to assets | 0.1103% | 1,140 |
| Net operating income to assets | 1.2448% | 1,756 |
| Return on assets (ROA) | 1.2448% | 1,816 |
| Pretax return on assets | 1.3091% | 2,328 |
| Return on Equity (ROE) | 9.9870% | 2,524 |
| Retained earnings to average equity (ytd only) | 2.6111% | 3,794 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5080% | 3,875 |
| Assets per employee ($millions) | 7.9293% | 1,367 |
| Cash dividends to net income (ytd only)* | 73.8552% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0551% | 3,547 |
| Loan loss allowance to noncurrent loans | 432.0000% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.7116% | 884 |
| Noncurrent loans to loans | 0.2442% | 2,750 |
| Net loans and leases to total assets | 54.7428% | 2,759 |
| Net loans and leases to deposits | 69.4340% | 2,181 |
| Net loans and leases to core deposits | 72.3280% | 2,230 |
| Total domestic deposits to total assets | 78.8415% | 4,334 |
| Equity capital to assets | 12.1268% | 1,201 |
| Core capital (leverage) ratio | 11.9746% | 1,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,386,600 | 4,515 |
| Average earning assets | $50,350,800 | 4,504 |
| Average equity | $6,778,800 | 4,447 |
| Average total loans | $29,372,000 | 4,389 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3090% | 939 |
| Cost of funding earning assets | 0.7985% | 244 |
| Net interest margin | 3.5105% | 1,837 |
| Noninterest income to average assets | -0.0419% | 4,900 |
| Noninterest expense to average assets | 1.7003% | 4,327 |
| Loan and lease loss provision to assets | 0.1109% | 1,091 |
| Net operating income to assets | 1.3183% | 1,765 |
| Return on assets (ROA) | 1.3183% | 1,821 |
| Pretax return on assets | 1.3972% | 2,344 |
| Return on Equity (ROE) | 10.5042% | 2,554 |
| Retained earnings to average equity (ytd only) | 3.1414% | 3,856 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9954% | 3,921 |
| Assets per employee ($millions) | 7.9067% | 1,312 |
| Cash dividends to net income (ytd only)* | 70.0935% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1057% | 3,414 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5782% | 1,329 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 49.9341% | 3,418 |
| Net loans and leases to deposits | 63.5977% | 2,892 |
| Net loans and leases to core deposits | 66.2599% | 2,929 |
| Total domestic deposits to total assets | 78.5155% | 4,374 |
| Equity capital to assets | 12.2482% | 1,288 |
| Core capital (leverage) ratio | 11.8766% | 1,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,107,000 | 4,580 |
| Average earning assets | $50,095,750 | 4,568 |
| Average equity | $6,790,750 | 4,510 |
| Average total loans | $29,037,750 | 4,452 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7469% | 501 |
| Cost of funding earning assets | 0.8193% | 268 |
| Net interest margin | 3.9276% | 922 |
| Noninterest income to average assets | -0.1825% | 4,943 |
| Noninterest expense to average assets | 1.7469% | 4,285 |
| Loan and lease loss provision to assets | 0.1117% | 1,136 |
| Net operating income to assets | 1.5048% | 1,273 |
| Return on assets (ROA) | 1.5048% | 1,339 |
| Pretax return on assets | 1.6017% | 1,732 |
| Return on Equity (ROE) | 11.8917% | 2,108 |
| Retained earnings to average equity (ytd only) | 4.5330% | 3,349 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4844% | 4,192 |
| Assets per employee ($millions) | 7.9341% | 1,240 |
| Cash dividends to net income (ytd only)* | 61.8812% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0161% | 3,766 |
| Loan loss allowance to noncurrent loans | 426.0870% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.7004% | 1,172 |
| Noncurrent loans to loans | 0.2385% | 3,093 |
| Net loans and leases to total assets | 51.5692% | 3,387 |
| Net loans and leases to deposits | 65.7492% | 2,845 |
| Net loans and leases to core deposits | 69.3168% | 2,843 |
| Total domestic deposits to total assets | 78.4332% | 4,393 |
| Equity capital to assets | 12.2743% | 1,234 |
| Core capital (leverage) ratio | 11.9108% | 1,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,693,667 | 4,614 |
| Average earning assets | $49,801,333 | 4,604 |
| Average equity | $6,794,667 | 4,528 |
| Average total loans | $29,401,667 | 4,477 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5077% | 193 |
| Cost of funding earning assets | 0.8636% | 265 |
| Net interest margin | 4.6441% | 291 |
| Noninterest income to average assets | 0.1743% | 4,324 |
| Noninterest expense to average assets | 1.8268% | 4,157 |
| Loan and lease loss provision to assets | 0.1137% | 1,214 |
| Net operating income to assets | 2.4256% | 299 |
| Return on assets (ROA) | 2.4256% | 322 |
| Pretax return on assets | 2.5544% | 395 |
| Return on Equity (ROE) | 18.8693% | 638 |
| Retained earnings to average equity (ytd only) | 11.4985% | 1,273 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6408% | 4,729 |
| Assets per employee ($millions) | 7.7413% | 1,320 |
| Cash dividends to net income (ytd only)* | 39.0625% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9223% | 4,095 |
| Loan loss allowance to noncurrent loans | 429.2308% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.8950% | 967 |
| Noncurrent loans to loans | 0.2149% | 3,338 |
| Net loans and leases to total assets | 55.3120% | 3,115 |
| Net loans and leases to deposits | 71.0261% | 2,417 |
| Net loans and leases to core deposits | 75.0019% | 2,431 |
| Total domestic deposits to total assets | 77.8756% | 4,451 |
| Equity capital to assets | 12.5099% | 1,078 |
| Core capital (leverage) ratio | 12.5537% | 972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,771,000 | 4,644 |
| Average earning assets | $49,094,500 | 4,632 |
| Average equity | $6,783,500 | 4,545 |
| Average total loans | $29,635,000 | 4,502 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1289% | 2,339 |
| Cost of funding earning assets | 1.1848% | 299 |
| Net interest margin | 2.9441% | 4,025 |
| Noninterest income to average assets | 0.2521% | 3,976 |
| Noninterest expense to average assets | 1.8319% | 4,420 |
| Loan and lease loss provision to assets | 0.3176% | 1,168 |
| Net operating income to assets | 0.8276% | 2,989 |
| Return on assets (ROA) | 0.8276% | 3,113 |
| Pretax return on assets | 0.8693% | 3,454 |
| Return on Equity (ROE) | 6.2491% | 3,503 |
| Retained earnings to average equity (ytd only) | 0.2548% | 4,443 |
| Net charge-offs to loans | 0.7660% | 191 |
| Credit loss provision to net charge-offs | 67.7966% | 3,057 |
| Earnings coverage of net charge-offs (x) | 2.5339% | 3,159 |
| Efficiency ratio | 60.6838% | 3,362 |
| Assets per employee ($millions) | 7.3361% | 1,374 |
| Cash dividends to net income (ytd only)* | 95.9233% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9098% | 4,161 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8179% | 1,248 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 55.9928% | 3,303 |
| Net loans and leases to deposits | 74.8666% | 2,391 |
| Net loans and leases to core deposits | 80.1505% | 2,351 |
| Total domestic deposits to total assets | 74.7902% | 4,587 |
| Equity capital to assets | 13.2183% | 1,020 |
| Core capital (leverage) ratio | 12.5394% | 1,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,385,400 | 4,651 |
| Average earning assets | $47,349,200 | 4,630 |
| Average equity | $6,673,000 | 4,567 |
| Average total loans | $30,808,000 | 4,500 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2120% | 2,369 |
| Cost of funding earning assets | 1.2333% | 327 |
| Net interest margin | 2.9787% | 4,023 |
| Noninterest income to average assets | 0.2739% | 3,831 |
| Noninterest expense to average assets | 1.8746% | 4,373 |
| Loan and lease loss provision to assets | 0.3849% | 946 |
| Net operating income to assets | 0.7738% | 3,192 |
| Return on assets (ROA) | 0.7738% | 3,308 |
| Pretax return on assets | 0.8136% | 3,610 |
| Return on Equity (ROE) | 5.8395% | 3,606 |
| Retained earnings to average equity (ytd only) | -0.1806% | 4,503 |
| Net charge-offs to loans | 1.0067% | 136 |
| Credit loss provision to net charge-offs | 61.4407% | 2,847 |
| Earnings coverage of net charge-offs (x) | 1.9110% | 3,032 |
| Efficiency ratio | 60.9862% | 3,217 |
| Assets per employee ($millions) | 7.1563% | 1,396 |
| Cash dividends to net income (ytd only)* | 103.0928% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8170% | 4,321 |
| Loan loss allowance to noncurrent loans | 83.5570% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 1.4333% | 619 |
| Noncurrent loans to loans | 0.9778% | 1,529 |
| Net loans and leases to total assets | 60.3406% | 3,189 |
| Net loans and leases to deposits | 81.4195% | 2,157 |
| Net loans and leases to core deposits | 86.6128% | 2,265 |
| Total domestic deposits to total assets | 74.1107% | 4,563 |
| Equity capital to assets | 13.4228% | 1,022 |
| Core capital (leverage) ratio | 12.8093% | 1,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,143,500 | 4,672 |
| Average earning assets | $47,134,250 | 4,651 |
| Average equity | $6,644,250 | 4,590 |
| Average total loans | $31,255,500 | 4,519 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3376% | 2,371 |
| Cost of funding earning assets | 1.2665% | 412 |
| Net interest margin | 3.0711% | 3,967 |
| Noninterest income to average assets | 0.3030% | 3,654 |
| Noninterest expense to average assets | 1.7903% | 4,575 |
| Loan and lease loss provision to assets | 0.5183% | 668 |
| Net operating income to assets | 0.8413% | 2,891 |
| Return on assets (ROA) | 0.8413% | 3,006 |
| Pretax return on assets | 0.8852% | 3,351 |
| Return on Equity (ROE) | 6.3769% | 3,375 |
| Retained earnings to average equity (ytd only) | 0.3324% | 4,237 |
| Net charge-offs to loans | 1.4977% | 88 |
| Credit loss provision to net charge-offs | 55.0847% | 2,603 |
| Earnings coverage of net charge-offs (x) | 1.4915% | 2,854 |
| Efficiency ratio | 56.0549% | 3,937 |
| Assets per employee ($millions) | 7.2194% | 1,313 |
| Cash dividends to net income (ytd only)* | 94.7867% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7561% | 4,448 |
| Loan loss allowance to noncurrent loans | 23,400.0000% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.8331% | 1,488 |
| Noncurrent loans to loans | 0.0032% | 4,512 |
| Net loans and leases to total assets | 60.7745% | 3,238 |
| Net loans and leases to deposits | 82.0435% | 2,201 |
| Net loans and leases to core deposits | 88.4744% | 2,199 |
| Total domestic deposits to total assets | 74.0759% | 4,593 |
| Equity capital to assets | 13.3469% | 1,019 |
| Core capital (leverage) ratio | 12.9890% | 1,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,160,000 | 4,685 |
| Average earning assets | $47,215,000 | 4,670 |
| Average equity | $6,617,667 | 4,614 |
| Average total loans | $31,515,333 | 4,534 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1967% | 3,219 |
| Cost of funding earning assets | 1.3168% | 542 |
| Net interest margin | 2.8799% | 4,463 |
| Noninterest income to average assets | 0.2802% | 3,849 |
| Noninterest expense to average assets | 1.8570% | 4,595 |
| Loan and lease loss provision to assets | 0.1201% | 2,192 |
| Net operating income to assets | 0.9685% | 2,287 |
| Return on assets (ROA) | 0.9685% | 2,391 |
| Pretax return on assets | 1.0166% | 2,792 |
| Return on Equity (ROE) | 7.3848% | 2,784 |
| Retained earnings to average equity (ytd only) | 1.2817% | 3,676 |
| Net charge-offs to loans | -0.1006% | 4,816 |
| Credit loss provision to net charge-offs | -187.5000% | 3,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0321% | 3,496 |
| Assets per employee ($millions) | 7.0467% | 1,074 |
| Cash dividends to net income (ytd only)* | 82.6446% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1469% | 2,951 |
| Loan loss allowance to noncurrent loans | 48.3400% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 1.5671% | 667 |
| Noncurrent loans to loans | 2.3726% | 521 |
| Net loans and leases to total assets | 63.6041% | 3,113 |
| Net loans and leases to deposits | 86.3750% | 1,951 |
| Net loans and leases to core deposits | 93.3556% | 2,030 |
| Total domestic deposits to total assets | 73.6372% | 4,682 |
| Equity capital to assets | 13.1976% | 1,342 |
| Core capital (leverage) ratio | 13.0694% | 1,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,972,000 | 4,711 |
| Average earning assets | $47,084,500 | 4,691 |
| Average equity | $6,554,000 | 4,657 |
| Average total loans | $31,799,500 | 4,563 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4575% | 3,095 |
| Cost of funding earning assets | 1.4034% | 557 |
| Net interest margin | 3.0541% | 4,444 |
| Noninterest income to average assets | 0.2964% | 3,907 |
| Noninterest expense to average assets | 1.7623% | 4,813 |
| Loan and lease loss provision to assets | 0.0807% | 2,384 |
| Net operating income to assets | 1.2764% | 1,783 |
| Return on assets (ROA) | 1.2784% | 1,853 |
| Pretax return on assets | 1.3429% | 2,352 |
| Return on Equity (ROE) | 9.7809% | 2,401 |
| Retained earnings to average equity (ytd only) | 2.0673% | 3,964 |
| Net charge-offs to loans | 0.0335% | 2,717 |
| Credit loss provision to net charge-offs | 363.6364% | 770 |
| Earnings coverage of net charge-offs (x) | 64.0909% | 944 |
| Efficiency ratio | 55.3515% | 4,285 |
| Assets per employee ($millions) | 7.2310% | 961 |
| Cash dividends to net income (ytd only)* | 78.8644% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0671% | 3,123 |
| Loan loss allowance to noncurrent loans | 49.3469% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 1.4007% | 753 |
| Noncurrent loans to loans | 2.1625% | 579 |
| Net loans and leases to total assets | 62.2735% | 3,367 |
| Net loans and leases to deposits | 84.1345% | 2,314 |
| Net loans and leases to core deposits | 93.6620% | 2,098 |
| Total domestic deposits to total assets | 74.0166% | 4,769 |
| Equity capital to assets | 13.0351% | 1,500 |
| Core capital (leverage) ratio | 12.9750% | 1,246 |
| Tier 1 risk-based capital ratio | 15.9863% | 2,411 |
| Total risk-based capital ratio | 16.8255% | 2,490 |
| Memoranda: | ||
| Average total assets | $49,595,000 | 4,760 |
| Average earning assets | $46,887,200 | 4,732 |
| Average equity | $6,482,000 | 4,697 |
| Average total loans | $32,873,800 | 4,585 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5063% | 3,044 |
| Cost of funding earning assets | 1.4154% | 551 |
| Net interest margin | 3.0910% | 4,493 |
| Noninterest income to average assets | 0.3054% | 3,914 |
| Noninterest expense to average assets | 1.7592% | 4,867 |
| Loan and lease loss provision to assets | 0.0676% | 2,533 |
| Net operating income to assets | 1.3324% | 1,713 |
| Return on assets (ROA) | 1.3349% | 1,775 |
| Pretax return on assets | 1.4025% | 2,307 |
| Return on Equity (ROE) | 10.2069% | 2,351 |
| Retained earnings to average equity (ytd only) | 2.4587% | 4,113 |
| Net charge-offs to loans | 0.0443% | 2,205 |
| Credit loss provision to net charge-offs | 227.2727% | 1,183 |
| Earnings coverage of net charge-offs (x) | 49.3511% | 1,208 |
| Efficiency ratio | 54.5226% | 4,333 |
| Assets per employee ($millions) | 7.0903% | 991 |
| Cash dividends to net income (ytd only)* | 75.9113% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0014% | 3,561 |
| Loan loss allowance to noncurrent loans | 47.1014% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 1.4305% | 797 |
| Noncurrent loans to loans | 2.1260% | 620 |
| Net loans and leases to total assets | 64.7385% | 3,210 |
| Net loans and leases to deposits | 88.3157% | 1,891 |
| Net loans and leases to core deposits | 98.6340% | 1,775 |
| Total domestic deposits to total assets | 73.3035% | 4,846 |
| Equity capital to assets | 13.3120% | 1,459 |
| Core capital (leverage) ratio | 13.2074% | 1,252 |
| Tier 1 risk-based capital ratio | 15.9917% | 2,429 |
| Total risk-based capital ratio | 16.7962% | 2,564 |
| Memoranda: | ||
| Average total assets | $49,339,500 | 4,829 |
| Average earning assets | $46,629,500 | 4,805 |
| Average equity | $6,453,000 | 4,762 |
| Average total loans | $33,127,000 | 4,635 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5166% | 2,966 |
| Cost of funding earning assets | 1.3953% | 547 |
| Net interest margin | 3.1213% | 4,496 |
| Noninterest income to average assets | 0.3046% | 3,894 |
| Noninterest expense to average assets | 1.7180% | 4,962 |
| Loan and lease loss provision to assets | 0.0406% | 3,000 |
| Net operating income to assets | 1.4258% | 1,355 |
| Return on assets (ROA) | 1.4297% | 1,393 |
| Pretax return on assets | 1.5028% | 1,850 |
| Return on Equity (ROE) | 10.9971% | 1,974 |
| Retained earnings to average equity (ytd only) | 3.1867% | 3,634 |
| Net charge-offs to loans | 0.0660% | 1,710 |
| Credit loss provision to net charge-offs | 90.9091% | 2,122 |
| Earnings coverage of net charge-offs (x) | 34.4545% | 1,357 |
| Efficiency ratio | 52.7431% | 4,589 |
| Assets per employee ($millions) | 6.9786% | 1,006 |
| Cash dividends to net income (ytd only)* | 71.0227% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9288% | 3,965 |
| Loan loss allowance to noncurrent loans | 47.8395% | 4,244 |
| Noncurrent assets plus other real estate owned to assets | 1.3879% | 868 |
| Noncurrent loans to loans | 1.9416% | 748 |
| Net loans and leases to total assets | 67.6868% | 2,860 |
| Net loans and leases to deposits | 93.9267% | 1,270 |
| Net loans and leases to core deposits | 104.4642% | 1,346 |
| Total domestic deposits to total assets | 72.0635% | 4,970 |
| Equity capital to assets | 13.4432% | 1,350 |
| Core capital (leverage) ratio | 13.0313% | 1,286 |
| Tier 1 risk-based capital ratio | 15.9245% | 2,445 |
| Total risk-based capital ratio | 16.6906% | 2,570 |
| Memoranda: | ||
| Average total assets | $49,242,000 | 4,860 |
| Average earning assets | $46,583,330 | 4,842 |
| Average equity | $6,401,670 | 4,794 |
| Average total loans | $33,350,670 | 4,666 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4074% | 3,197 |
| Cost of funding earning assets | 1.3581% | 529 |
| Net interest margin | 3.0493% | 4,672 |
| Noninterest income to average assets | 0.2104% | 4,486 |
| Noninterest expense to average assets | 1.7234% | 4,995 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3111% | 1,656 |
| Return on assets (ROA) | 1.3188% | 1,674 |
| Pretax return on assets | 1.3836% | 2,142 |
| Return on Equity (ROE) | 10.3181% | 2,233 |
| Retained earnings to average equity (ytd only) | 2.4054% | 3,953 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6136% | 4,381 |
| Assets per employee ($millions) | 7.0983% | 959 |
| Cash dividends to net income (ytd only)* | 76.6871% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9225% | 4,065 |
| Loan loss allowance to noncurrent loans | 41.3564% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 1.5134% | 789 |
| Noncurrent loans to loans | 2.2307% | 631 |
| Net loans and leases to total assets | 67.2215% | 2,874 |
| Net loans and leases to deposits | 92.9432% | 1,289 |
| Net loans and leases to core deposits | 104.2348% | 1,302 |
| Total domestic deposits to total assets | 72.3253% | 5,029 |
| Equity capital to assets | 12.8965% | 1,512 |
| Core capital (leverage) ratio | 13.0030% | 1,275 |
| Tier 1 risk-based capital ratio | 15.3533% | 2,724 |
| Total risk-based capital ratio | 16.0984% | 2,873 |
| Memoranda: | ||
| Average total assets | $49,438,000 | 4,912 |
| Average earning assets | $46,830,500 | 4,889 |
| Average equity | $6,319,000 | 4,842 |
| Average total loans | $33,338,500 | 4,722 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4145% | 2,714 |
| Cost of funding earning assets | 1.1345% | 446 |
| Net interest margin | 3.2800% | 4,308 |
| Noninterest income to average assets | 0.3544% | 3,730 |
| Noninterest expense to average assets | 1.7414% | 5,051 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.6328% | 805 |
| Return on assets (ROA) | 1.6328% | 799 |
| Pretax return on assets | 1.7168% | 1,123 |
| Return on Equity (ROE) | 12.9767% | 1,363 |
| Retained earnings to average equity (ytd only) | 4.8357% | 2,870 |
| Net charge-offs to loans | -0.0124% | 4,550 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3555% | 4,917 |
| Assets per employee ($millions) | 7.0269% | 966 |
| Cash dividends to net income (ytd only)* | 62.7353% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9434% | 3,979 |
| Loan loss allowance to noncurrent loans | 45.2035% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 1.3987% | 877 |
| Noncurrent loans to loans | 2.0871% | 637 |
| Net loans and leases to total assets | 66.3861% | 3,074 |
| Net loans and leases to deposits | 93.8630% | 1,302 |
| Net loans and leases to core deposits | 103.6701% | 1,442 |
| Total domestic deposits to total assets | 70.7266% | 5,132 |
| Equity capital to assets | 12.6657% | 1,503 |
| Core capital (leverage) ratio | 13.0188% | 1,244 |
| Tier 1 risk-based capital ratio | 15.7388% | 2,518 |
| Total risk-based capital ratio | 16.5090% | 2,649 |
| Memoranda: | ||
| Average total assets | $48,812,400 | 4,955 |
| Average earning assets | $46,189,200 | 4,932 |
| Average equity | $6,141,800 | 4,874 |
| Average total loans | $32,321,000 | 4,758 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4238% | 2,556 |
| Cost of funding earning assets | 1.0727% | 447 |
| Net interest margin | 3.3511% | 4,156 |
| Noninterest income to average assets | 0.3831% | 3,582 |
| Noninterest expense to average assets | 1.7187% | 5,117 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.7461% | 671 |
| Return on assets (ROA) | 1.7461% | 676 |
| Pretax return on assets | 1.8364% | 930 |
| Return on Equity (ROE) | 13.9001% | 1,146 |
| Retained earnings to average equity (ytd only) | 5.7300% | 2,803 |
| Net charge-offs to loans | -0.0166% | 4,569 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3449% | 5,034 |
| Assets per employee ($millions) | 6.9351% | 959 |
| Cash dividends to net income (ytd only)* | 58.7774% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9536% | 4,036 |
| Loan loss allowance to noncurrent loans | 299.0385% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.2142% | 3,876 |
| Noncurrent loans to loans | 0.3189% | 3,527 |
| Net loans and leases to total assets | 66.5390% | 3,119 |
| Net loans and leases to deposits | 95.3818% | 1,224 |
| Net loans and leases to core deposits | 105.6450% | 1,337 |
| Total domestic deposits to total assets | 69.7606% | 5,222 |
| Equity capital to assets | 12.5963% | 1,522 |
| Core capital (leverage) ratio | 13.0245% | 1,271 |
| Tier 1 risk-based capital ratio | 16.1410% | 2,388 |
| Total risk-based capital ratio | 16.9346% | 2,513 |
| Memoranda: | ||
| Average total assets | $48,718,500 | 5,013 |
| Average earning assets | $46,113,250 | 4,985 |
| Average equity | $6,119,750 | 4,931 |
| Average total loans | $32,160,000 | 4,820 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4004% | 2,410 |
| Cost of funding earning assets | 1.0318% | 404 |
| Net interest margin | 3.3685% | 4,047 |
| Noninterest income to average assets | 0.3403% | 3,906 |
| Noninterest expense to average assets | 1.7058% | 5,197 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.7304% | 680 |
| Return on assets (ROA) | 1.7304% | 681 |
| Pretax return on assets | 1.8206% | 916 |
| Return on Equity (ROE) | 13.7879% | 1,134 |
| Retained earnings to average equity (ytd only) | 9.7038% | 1,008 |
| Net charge-offs to loans | -0.0187% | 4,542 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3721% | 5,102 |
| Assets per employee ($millions) | 6.9574% | 942 |
| Cash dividends to net income (ytd only)* | 29.6209% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9525% | 4,105 |
| Loan loss allowance to noncurrent loans | 607.8431% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.1047% | 4,471 |
| Noncurrent loans to loans | 0.1567% | 4,203 |
| Net loans and leases to total assets | 66.1903% | 3,119 |
| Net loans and leases to deposits | 91.0956% | 1,691 |
| Net loans and leases to core deposits | 103.6594% | 1,421 |
| Total domestic deposits to total assets | 72.6603% | 5,138 |
| Equity capital to assets | 12.7880% | 1,400 |
| Core capital (leverage) ratio | 12.9437% | 1,245 |
| Tier 1 risk-based capital ratio | 16.1013% | 2,402 |
| Total risk-based capital ratio | 16.8866% | 2,521 |
| Memoranda: | ||
| Average total assets | $48,776,000 | 5,073 |
| Average earning assets | $46,132,670 | 5,040 |
| Average equity | $6,121,330 | 4,986 |
| Average total loans | $32,009,000 | 4,873 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3395% | 2,388 |
| Cost of funding earning assets | 0.9721% | 424 |
| Net interest margin | 3.3675% | 3,998 |
| Noninterest income to average assets | 0.4015% | 3,454 |
| Noninterest expense to average assets | 1.7618% | 5,189 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7290% | 647 |
| Return on assets (ROA) | 1.7290% | 654 |
| Pretax return on assets | 1.8192% | 876 |
| Return on Equity (ROE) | 13.9090% | 1,035 |
| Retained earnings to average equity (ytd only) | 5.6691% | 2,860 |
| Net charge-offs to loans | -0.0252% | 4,667 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1991% | 5,125 |
| Assets per employee ($millions) | 6.9730% | 969 |
| Cash dividends to net income (ytd only)* | 59.2417% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9683% | 4,127 |
| Loan loss allowance to noncurrent loans | 2,575.0000% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.0246% | 4,994 |
| Noncurrent loans to loans | 0.0376% | 4,805 |
| Net loans and leases to total assets | 64.7436% | 3,209 |
| Net loans and leases to deposits | 87.3032% | 2,015 |
| Net loans and leases to core deposits | 99.0348% | 1,760 |
| Total domestic deposits to total assets | 74.1595% | 5,137 |
| Equity capital to assets | 12.3538% | 1,576 |
| Core capital (leverage) ratio | 12.6260% | 1,333 |
| Tier 1 risk-based capital ratio | 15.5392% | 2,650 |
| Total risk-based capital ratio | 16.3186% | 2,774 |
| Memoranda: | ||
| Average total assets | $48,813,000 | 5,127 |
| Average earning assets | $46,088,000 | 5,099 |
| Average equity | $6,068,000 | 5,045 |
| Average total loans | $31,740,500 | 4,929 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2614% | 2,460 |
| Cost of funding earning assets | 0.8962% | 381 |
| Net interest margin | 3.3651% | 3,952 |
| Noninterest income to average assets | 0.0509% | 5,532 |
| Noninterest expense to average assets | 1.6768% | 5,354 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.4801% | 847 |
| Return on assets (ROA) | 1.4975% | 827 |
| Pretax return on assets | 1.5749% | 1,365 |
| Return on Equity (ROE) | 12.1476% | 1,172 |
| Retained earnings to average equity (ytd only) | 3.8839% | 2,877 |
| Net charge-offs to loans | -0.0032% | 4,579 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8589% | 5,108 |
| Assets per employee ($millions) | 6.9736% | 979 |
| Cash dividends to net income (ytd only)* | 68.0272% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9724% | 4,092 |
| Loan loss allowance to noncurrent loans | 2,361.5385% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 5,016 |
| Noncurrent loans to loans | 0.0412% | 4,823 |
| Net loans and leases to total assets | 64.0438% | 3,361 |
| Net loans and leases to deposits | 91.4738% | 1,591 |
| Net loans and leases to core deposits | 100.8809% | 1,644 |
| Total domestic deposits to total assets | 70.0133% | 5,406 |
| Equity capital to assets | 12.5085% | 1,516 |
| Core capital (leverage) ratio | 12.5039% | 1,355 |
| Tier 1 risk-based capital ratio | 15.5039% | 2,627 |
| Total risk-based capital ratio | 16.2908% | 2,759 |
| Memoranda: | ||
| Average total assets | $49,082,200 | 5,175 |
| Average earning assets | $46,417,200 | 5,141 |
| Average equity | $6,050,600 | 5,093 |
| Average total loans | $31,357,400 | 4,989 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2471% | 2,443 |
| Cost of funding earning assets | 0.8775% | 397 |
| Net interest margin | 3.3696% | 3,951 |
| Noninterest income to average assets | -0.0163% | 5,697 |
| Noninterest expense to average assets | 1.6250% | 5,431 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.4715% | 956 |
| Return on assets (ROA) | 1.4947% | 927 |
| Pretax return on assets | 1.5707% | 1,511 |
| Return on Equity (ROE) | 12.1696% | 1,287 |
| Retained earnings to average equity (ytd only) | 3.8872% | 3,609 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2404% | 5,163 |
| Assets per employee ($millions) | 6.9126% | 987 |
| Cash dividends to net income (ytd only)* | 68.0583% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9976% | 4,075 |
| Loan loss allowance to noncurrent loans | 2,353.8462% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.0269% | 5,112 |
| Noncurrent loans to loans | 0.0424% | 4,923 |
| Net loans and leases to total assets | 62.7573% | 3,573 |
| Net loans and leases to deposits | 89.5782% | 1,860 |
| Net loans and leases to core deposits | 98.8702% | 1,812 |
| Total domestic deposits to total assets | 70.0587% | 5,477 |
| Equity capital to assets | 12.8090% | 1,491 |
| Core capital (leverage) ratio | 12.3636% | 1,476 |
| Tier 1 risk-based capital ratio | 16.0298% | 2,489 |
| Total risk-based capital ratio | 16.8498% | 2,612 |
| Memoranda: | ||
| Average total assets | $49,149,000 | 5,234 |
| Average earning assets | $46,493,500 | 5,193 |
| Average equity | $6,036,750 | 5,155 |
| Average total loans | $31,304,250 | 5,038 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2178% | 2,410 |
| Cost of funding earning assets | 0.8564% | 393 |
| Net interest margin | 3.3614% | 3,906 |
| Noninterest income to average assets | -0.1579% | 5,765 |
| Noninterest expense to average assets | 1.6436% | 5,464 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3084% | 1,276 |
| Return on assets (ROA) | 1.3238% | 1,267 |
| Pretax return on assets | 1.3926% | 2,051 |
| Return on Equity (ROE) | 10.9310% | 1,670 |
| Retained earnings to average equity (ytd only) | 2.5740% | 4,152 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4236% | 4,985 |
| Assets per employee ($millions) | 6.9744% | 948 |
| Cash dividends to net income (ytd only)* | 76.4526% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9845% | 4,242 |
| Loan loss allowance to noncurrent loans | 2,185.7143% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.3359% | 3,779 |
| Noncurrent loans to loans | 0.0450% | 4,968 |
| Net loans and leases to total assets | 63.0405% | 3,508 |
| Net loans and leases to deposits | 86.5033% | 2,166 |
| Net loans and leases to core deposits | 93.8495% | 2,165 |
| Total domestic deposits to total assets | 72.8764% | 5,398 |
| Equity capital to assets | 12.5458% | 1,600 |
| Core capital (leverage) ratio | 11.9889% | 1,638 |
| Tier 1 risk-based capital ratio | 15.3903% | 2,751 |
| Total risk-based capital ratio | 16.1909% | 2,888 |
| Memoranda: | ||
| Average total assets | $49,402,670 | 5,261 |
| Average earning assets | $46,706,330 | 5,221 |
| Average equity | $5,983,000 | 5,196 |
| Average total loans | $31,514,670 | 5,063 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2165% | 2,221 |
| Cost of funding earning assets | 0.8279% | 420 |
| Net interest margin | 3.3886% | 3,686 |
| Noninterest income to average assets | 0.2093% | 5,012 |
| Noninterest expense to average assets | 1.6501% | 5,514 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6662% | 588 |
| Return on assets (ROA) | 1.6662% | 602 |
| Pretax return on assets | 1.7548% | 894 |
| Return on Equity (ROE) | 14.0054% | 808 |
| Retained earnings to average equity (ytd only) | 5.5480% | 2,570 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4634% | 5,446 |
| Assets per employee ($millions) | 7.0273% | 946 |
| Cash dividends to net income (ytd only)* | 60.3865% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9861% | 4,361 |
| Loan loss allowance to noncurrent loans | 128.0335% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 1.2828% | 1,328 |
| Noncurrent loans to loans | 0.7702% | 2,546 |
| Net loans and leases to total assets | 62.4606% | 3,474 |
| Net loans and leases to deposits | 84.6559% | 2,202 |
| Net loans and leases to core deposits | 91.6890% | 2,196 |
| Total domestic deposits to total assets | 73.7818% | 5,429 |
| Equity capital to assets | 12.2075% | 1,704 |
| Core capital (leverage) ratio | 11.9420% | 1,669 |
| Tier 1 risk-based capital ratio | 15.2922% | 2,838 |
| Total risk-based capital ratio | 16.0863% | 2,978 |
| Memoranda: | ||
| Average total assets | $49,693,500 | 5,317 |
| Average earning assets | $46,863,500 | 5,274 |
| Average equity | $5,912,000 | 5,252 |
| Average total loans | $31,730,500 | 5,102 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1987% | 2,489 |
| Cost of funding earning assets | 0.8419% | 405 |
| Net interest margin | 3.3568% | 3,971 |
| Noninterest income to average assets | 0.3076% | 4,535 |
| Noninterest expense to average assets | 1.6021% | 5,648 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.7753% | 465 |
| Return on assets (ROA) | 1.8018% | 468 |
| Pretax return on assets | 1.8957% | 629 |
| Return on Equity (ROE) | 15.3089% | 586 |
| Retained earnings to average equity (ytd only) | 6.8228% | 1,300 |
| Net charge-offs to loans | 0.1239% | 2,018 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 23.9744% | 1,659 |
| Efficiency ratio | 46.1716% | 5,635 |
| Assets per employee ($millions) | 7.1709% | 848 |
| Cash dividends to net income (ytd only)* | 55.4324% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9436% | 4,609 |
| Loan loss allowance to noncurrent loans | 2,040.0000% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.8108% | 2,325 |
| Noncurrent loans to loans | 0.0463% | 5,060 |
| Net loans and leases to total assets | 63.9971% | 3,358 |
| Net loans and leases to deposits | 87.1798% | 2,025 |
| Net loans and leases to core deposits | 94.3021% | 2,077 |
| Total domestic deposits to total assets | 73.4082% | 5,481 |
| Equity capital to assets | 11.5926% | 2,084 |
| Core capital (leverage) ratio | 11.7537% | 1,755 |
| Tier 1 risk-based capital ratio | 14.8541% | 3,028 |
| Total risk-based capital ratio | 15.6355% | 3,177 |
| Memoranda: | ||
| Average total assets | $50,060,000 | 5,344 |
| Average earning assets | $47,157,400 | 5,304 |
| Average equity | $5,892,000 | 5,294 |
| Average total loans | $31,483,600 | 5,152 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2399% | 2,376 |
| Cost of funding earning assets | 0.8463% | 391 |
| Net interest margin | 3.3936% | 3,869 |
| Noninterest income to average assets | 0.3118% | 4,539 |
| Noninterest expense to average assets | 1.5991% | 5,690 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.8138% | 472 |
| Return on assets (ROA) | 1.8417% | 472 |
| Pretax return on assets | 1.9376% | 651 |
| Return on Equity (ROE) | 15.5883% | 594 |
| Retained earnings to average equity (ytd only) | 7.1286% | 1,555 |
| Net charge-offs to loans | -0.0085% | 4,728 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5927% | 5,686 |
| Assets per employee ($millions) | 7.0790% | 862 |
| Cash dividends to net income (ytd only)* | 54.2695% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1147% | 3,757 |
| Loan loss allowance to noncurrent loans | 608.7719% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.8456% | 2,436 |
| Noncurrent loans to loans | 0.1831% | 4,616 |
| Net loans and leases to total assets | 62.1193% | 3,627 |
| Net loans and leases to deposits | 82.8007% | 2,635 |
| Net loans and leases to core deposits | 89.4982% | 2,625 |
| Total domestic deposits to total assets | 75.0227% | 5,335 |
| Equity capital to assets | 12.4210% | 1,828 |
| Core capital (leverage) ratio | 11.4886% | 2,044 |
| Tier 1 risk-based capital ratio | 14.9967% | 3,053 |
| Total risk-based capital ratio | 15.9105% | 3,148 |
| Memoranda: | ||
| Average total assets | $50,026,000 | 5,399 |
| Average earning assets | $47,107,250 | 5,357 |
| Average equity | $5,910,250 | 5,350 |
| Average total loans | $31,247,000 | 5,208 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2533% | 2,321 |
| Cost of funding earning assets | 0.8456% | 388 |
| Net interest margin | 3.4077% | 3,862 |
| Noninterest income to average assets | 0.2750% | 4,819 |
| Noninterest expense to average assets | 1.6101% | 5,756 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.7870% | 484 |
| Return on assets (ROA) | 1.8173% | 490 |
| Pretax return on assets | 1.9090% | 683 |
| Return on Equity (ROE) | 15.6468% | 586 |
| Retained earnings to average equity (ytd only) | 7.0685% | 1,568 |
| Net charge-offs to loans | -0.0128% | 4,778 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1714% | 5,747 |
| Assets per employee ($millions) | 7.1629% | 815 |
| Cash dividends to net income (ytd only)* | 54.8246% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1111% | 3,887 |
| Loan loss allowance to noncurrent loans | 418.0723% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.9473% | 2,257 |
| Noncurrent loans to loans | 0.2658% | 4,409 |
| Net loans and leases to total assets | 61.5955% | 3,669 |
| Net loans and leases to deposits | 81.0263% | 2,814 |
| Net loans and leases to core deposits | 87.4034% | 2,785 |
| Total domestic deposits to total assets | 76.0191% | 5,282 |
| Equity capital to assets | 12.1739% | 1,994 |
| Core capital (leverage) ratio | 11.1255% | 2,301 |
| Tier 1 risk-based capital ratio | 14.6129% | 3,246 |
| Total risk-based capital ratio | 15.5213% | 3,374 |
| Memoranda: | ||
| Average total assets | $50,183,670 | 5,456 |
| Average earning assets | $47,304,000 | 5,412 |
| Average equity | $5,828,670 | 5,416 |
| Average total loans | $31,286,330 | 5,257 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2630% | 2,261 |
| Cost of funding earning assets | 0.8627% | 362 |
| Net interest margin | 3.4002% | 3,867 |
| Noninterest income to average assets | 0.3506% | 4,221 |
| Noninterest expense to average assets | 1.6253% | 5,812 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.8349% | 449 |
| Return on assets (ROA) | 1.8803% | 439 |
| Pretax return on assets | 1.9759% | 600 |
| Return on Equity (ROE) | 16.5876% | 478 |
| Retained earnings to average equity (ytd only) | 7.8018% | 1,541 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7399% | 5,822 |
| Assets per employee ($millions) | 7.2597% | 792 |
| Cash dividends to net income (ytd only)* | 52.9661% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0719% | 4,211 |
| Loan loss allowance to noncurrent loans | 410.7143% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.9367% | 2,370 |
| Noncurrent loans to loans | 0.2610% | 4,502 |
| Net loans and leases to total assets | 62.6569% | 3,435 |
| Net loans and leases to deposits | 82.7662% | 2,459 |
| Net loans and leases to core deposits | 89.2130% | 2,444 |
| Total domestic deposits to total assets | 75.7035% | 5,448 |
| Equity capital to assets | 11.4211% | 2,515 |
| Core capital (leverage) ratio | 10.4309% | 3,038 |
| Tier 1 risk-based capital ratio | 14.3652% | 3,461 |
| Total risk-based capital ratio | 15.2666% | 3,611 |
| Memoranda: | ||
| Average total assets | $50,205,500 | 5,505 |
| Average earning assets | $47,291,000 | 5,467 |
| Average equity | $5,691,000 | 5,478 |
| Average total loans | $31,314,000 | 5,296 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1822% | 2,615 |
| Cost of funding earning assets | 0.7770% | 553 |
| Net interest margin | 3.4052% | 3,891 |
| Noninterest income to average assets | 0.3083% | 4,680 |
| Noninterest expense to average assets | 1.6966% | 5,841 |
| Loan and lease loss provision to assets | 0.1225% | 1,956 |
| Net operating income to assets | 1.6346% | 653 |
| Return on assets (ROA) | 1.6598% | 638 |
| Pretax return on assets | 1.7456% | 903 |
| Return on Equity (ROE) | 14.8158% | 718 |
| Retained earnings to average equity (ytd only) | 5.7040% | 1,954 |
| Net charge-offs to loans | 0.1321% | 2,046 |
| Credit loss provision to net charge-offs | 153.8462% | 1,735 |
| Earnings coverage of net charge-offs (x) | 23.1282% | 1,744 |
| Efficiency ratio | 47.9515% | 5,844 |
| Assets per employee ($millions) | 7.0847% | 861 |
| Cash dividends to net income (ytd only)* | 61.5006% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1333% | 3,850 |
| Loan loss allowance to noncurrent loans | 436.7089% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.9699% | 2,254 |
| Noncurrent loans to loans | 0.2595% | 4,512 |
| Net loans and leases to total assets | 60.6880% | 3,742 |
| Net loans and leases to deposits | 80.0431% | 2,817 |
| Net loans and leases to core deposits | 86.4310% | 2,762 |
| Total domestic deposits to total assets | 75.8192% | 5,464 |
| Equity capital to assets | 11.2476% | 2,592 |
| Core capital (leverage) ratio | 10.8902% | 2,502 |
| Tier 1 risk-based capital ratio | 14.6300% | 3,364 |
| Total risk-based capital ratio | 15.5665% | 3,455 |
| Memoranda: | ||
| Average total assets | $48,981,600 | 5,568 |
| Average earning assets | $46,458,800 | 5,513 |
| Average equity | $5,487,400 | 5,541 |
| Average total loans | $29,525,400 | 5,377 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0712% | 3,060 |
| Cost of funding earning assets | 0.7671% | 602 |
| Net interest margin | 3.3040% | 4,322 |
| Noninterest income to average assets | 0.3468% | 4,453 |
| Noninterest expense to average assets | 1.5701% | 5,996 |
| Loan and lease loss provision to assets | 0.1229% | 1,854 |
| Net operating income to assets | 1.7052% | 617 |
| Return on assets (ROA) | 1.7312% | 611 |
| Pretax return on assets | 1.8213% | 859 |
| Return on Equity (ROE) | 15.4684% | 667 |
| Retained earnings to average equity (ytd only) | 8.1490% | 1,189 |
| Net charge-offs to loans | -0.0137% | 5,080 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,550 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0274% | 6,002 |
| Assets per employee ($millions) | 6.9866% | 879 |
| Cash dividends to net income (ytd only)* | 47.3187% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2469% | 3,390 |
| Loan loss allowance to noncurrent loans | 66.1922% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 1.1491% | 2,069 |
| Noncurrent loans to loans | 1.8838% | 1,231 |
| Net loans and leases to total assets | 60.2421% | 3,851 |
| Net loans and leases to deposits | 78.8914% | 3,002 |
| Net loans and leases to core deposits | 84.5298% | 2,984 |
| Total domestic deposits to total assets | 76.3608% | 5,437 |
| Equity capital to assets | 11.5221% | 2,488 |
| Core capital (leverage) ratio | 11.3012% | 2,195 |
| Tier 1 risk-based capital ratio | 14.6540% | 3,465 |
| Total risk-based capital ratio | 15.6592% | 3,538 |
| Memoranda: | ||
| Average total assets | $48,828,750 | 5,640 |
| Average earning assets | $46,406,750 | 5,587 |
| Average equity | $5,464,750 | 5,619 |
| Average total loans | $29,296,250 | 5,450 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0462% | 3,094 |
| Cost of funding earning assets | 0.7670% | 595 |
| Net interest margin | 3.2792% | 4,379 |
| Noninterest income to average assets | 0.4057% | 4,043 |
| Noninterest expense to average assets | 1.5368% | 6,095 |
| Loan and lease loss provision to assets | 0.1229% | 1,795 |
| Net operating income to assets | 1.7718% | 544 |
| Return on assets (ROA) | 1.7991% | 542 |
| Pretax return on assets | 1.8933% | 743 |
| Return on Equity (ROE) | 16.2352% | 585 |
| Retained earnings to average equity (ytd only) | 8.8388% | 979 |
| Net charge-offs to loans | -0.0206% | 5,185 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,349 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6047% | 6,128 |
| Assets per employee ($millions) | 7.8630% | 559 |
| Cash dividends to net income (ytd only)* | 45.5581% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2669% | 3,414 |
| Loan loss allowance to noncurrent loans | 63.6364% | 4,655 |
| Noncurrent assets plus other real estate owned to assets | 1.1891% | 2,135 |
| Noncurrent loans to loans | 1.9909% | 1,232 |
| Net loans and leases to total assets | 58.9703% | 3,981 |
| Net loans and leases to deposits | 73.8918% | 3,503 |
| Net loans and leases to core deposits | 79.8032% | 3,412 |
| Total domestic deposits to total assets | 79.8063% | 4,907 |
| Equity capital to assets | 11.4693% | 2,441 |
| Core capital (leverage) ratio | 10.9380% | 2,492 |
| Tier 1 risk-based capital ratio | 15.6762% | 3,004 |
| Total risk-based capital ratio | 16.7275% | 3,062 |
| Memoranda: | ||
| Average total assets | $48,803,000 | 5,703 |
| Average earning assets | $46,414,330 | 5,649 |
| Average equity | $5,408,000 | 5,680 |
| Average total loans | $29,117,000 | 5,513 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9642% | 3,363 |
| Cost of funding earning assets | 0.7539% | 641 |
| Net interest margin | 3.2103% | 4,571 |
| Noninterest income to average assets | 0.1854% | 5,599 |
| Noninterest expense to average assets | 1.5802% | 6,127 |
| Loan and lease loss provision to assets | 0.1209% | 1,716 |
| Net operating income to assets | 1.4689% | 907 |
| Return on assets (ROA) | 1.4995% | 900 |
| Pretax return on assets | 1.5721% | 1,343 |
| Return on Equity (ROE) | 13.7612% | 924 |
| Retained earnings to average equity (ytd only) | 6.3627% | 2,304 |
| Net charge-offs to loans | -0.0135% | 4,862 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7562% | 5,982 |
| Assets per employee ($millions) | 7.1923% | 783 |
| Cash dividends to net income (ytd only)* | 53.7634% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1655% | 4,169 |
| Loan loss allowance to noncurrent loans | 60.9319% | 4,690 |
| Noncurrent assets plus other real estate owned to assets | 1.1083% | 2,419 |
| Noncurrent loans to loans | 1.9129% | 1,402 |
| Net loans and leases to total assets | 57.2657% | 4,056 |
| Net loans and leases to deposits | 70.3659% | 3,713 |
| Net loans and leases to core deposits | 74.9168% | 3,695 |
| Total domestic deposits to total assets | 81.3828% | 4,708 |
| Equity capital to assets | 10.9681% | 3,008 |
| Core capital (leverage) ratio | 10.3512% | 3,162 |
| Tier 1 risk-based capital ratio | 14.5390% | 3,699 |
| Total risk-based capital ratio | 15.4942% | 3,780 |
| Memoranda: | ||
| Average total assets | $49,615,500 | 5,730 |
| Average earning assets | $47,222,500 | 5,675 |
| Average equity | $5,406,500 | 5,733 |
| Average total loans | $29,586,500 | 5,533 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1264% | 3,218 |
| Cost of funding earning assets | 0.8133% | 608 |
| Net interest margin | 3.3131% | 4,527 |
| Noninterest income to average assets | 0.2417% | 5,395 |
| Noninterest expense to average assets | 1.6459% | 6,204 |
| Loan and lease loss provision to assets | 0.5991% | 235 |
| Net operating income to assets | 1.0842% | 2,043 |
| Return on assets (ROA) | 1.1141% | 1,976 |
| Pretax return on assets | 1.1709% | 2,776 |
| Return on Equity (ROE) | 10.3649% | 1,966 |
| Retained earnings to average equity (ytd only) | 2.5423% | 4,429 |
| Net charge-offs to loans | 0.8819% | 369 |
| Credit loss provision to net charge-offs | 110.4651% | 2,159 |
| Earnings coverage of net charge-offs (x) | 3.2054% | 3,943 |
| Efficiency ratio | 48.6335% | 6,160 |
| Assets per employee ($millions) | 6.9836% | 850 |
| Cash dividends to net income (ytd only)* | 75.4717% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0799% | 4,642 |
| Loan loss allowance to noncurrent loans | 41.1168% | 5,352 |
| Noncurrent assets plus other real estate owned to assets | 1.6119% | 1,673 |
| Noncurrent loans to loans | 2.6265% | 942 |
| Net loans and leases to total assets | 60.7098% | 3,690 |
| Net loans and leases to deposits | 75.4091% | 3,266 |
| Net loans and leases to core deposits | 80.4980% | 3,238 |
| Total domestic deposits to total assets | 80.5073% | 4,883 |
| Equity capital to assets | 10.8234% | 3,097 |
| Core capital (leverage) ratio | 10.4392% | 3,009 |
| Tier 1 risk-based capital ratio | 14.1298% | 4,017 |
| Total risk-based capital ratio | 15.0294% | 4,185 |
| Memoranda: | ||
| Average total assets | $47,571,800 | 5,841 |
| Average earning assets | $45,123,600 | 5,794 |
| Average equity | $5,113,400 | 5,827 |
| Average total loans | $29,256,600 | 5,588 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1379% | 3,219 |
| Cost of funding earning assets | 0.8192% | 625 |
| Net interest margin | 3.3187% | 4,541 |
| Noninterest income to average assets | 0.2568% | 5,382 |
| Noninterest expense to average assets | 1.6030% | 6,282 |
| Loan and lease loss provision to assets | 0.1270% | 1,974 |
| Net operating income to assets | 1.5904% | 769 |
| Return on assets (ROA) | 1.6199% | 745 |
| Pretax return on assets | 1.7018% | 1,064 |
| Return on Equity (ROE) | 15.0978% | 808 |
| Retained earnings to average equity (ytd only) | 7.2069% | 1,715 |
| Net charge-offs to loans | 0.1514% | 2,280 |
| Credit loss provision to net charge-offs | 136.3636% | 1,711 |
| Earnings coverage of net charge-offs (x) | 19.3025% | 1,791 |
| Efficiency ratio | 47.1369% | 6,239 |
| Assets per employee ($millions) | 6.9003% | 840 |
| Cash dividends to net income (ytd only)* | 52.2651% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0514% | 4,980 |
| Loan loss allowance to noncurrent loans | 33.2616% | 5,639 |
| Noncurrent assets plus other real estate owned to assets | 1.9233% | 1,518 |
| Noncurrent loans to loans | 3.1612% | 808 |
| Net loans and leases to total assets | 60.2025% | 3,751 |
| Net loans and leases to deposits | 74.6323% | 3,352 |
| Net loans and leases to core deposits | 79.7209% | 3,346 |
| Total domestic deposits to total assets | 80.6654% | 4,925 |
| Equity capital to assets | 11.1817% | 2,784 |
| Core capital (leverage) ratio | 10.8810% | 2,599 |
| Tier 1 risk-based capital ratio | 14.8206% | 3,694 |
| Total risk-based capital ratio | 15.6957% | 3,863 |
| Memoranda: | ||
| Average total assets | $47,243,500 | 5,921 |
| Average earning assets | $44,756,000 | 5,874 |
| Average equity | $5,069,000 | 5,897 |
| Average total loans | $29,070,250 | 5,659 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1511% | 3,143 |
| Cost of funding earning assets | 0.8248% | 628 |
| Net interest margin | 3.3263% | 4,480 |
| Noninterest income to average assets | 0.2516% | 5,398 |
| Noninterest expense to average assets | 1.6208% | 6,341 |
| Loan and lease loss provision to assets | 0.1280% | 1,928 |
| Net operating income to assets | 1.5720% | 756 |
| Return on assets (ROA) | 1.6165% | 709 |
| Pretax return on assets | 1.6976% | 1,026 |
| Return on Equity (ROE) | 15.2874% | 751 |
| Retained earnings to average equity (ytd only) | 7.2202% | 1,656 |
| Net charge-offs to loans | 0.2279% | 1,676 |
| Credit loss provision to net charge-offs | 90.9091% | 2,158 |
| Earnings coverage of net charge-offs (x) | 12.6364% | 2,045 |
| Efficiency ratio | 47.6788% | 6,304 |
| Assets per employee ($millions) | 6.7751% | 887 |
| Cash dividends to net income (ytd only)* | 52.7704% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0323% | 5,199 |
| Loan loss allowance to noncurrent loans | 34.3860% | 5,662 |
| Noncurrent assets plus other real estate owned to assets | 2.2351% | 1,351 |
| Noncurrent loans to loans | 3.0021% | 965 |
| Net loans and leases to total assets | 59.4315% | 3,796 |
| Net loans and leases to deposits | 73.8395% | 3,340 |
| Net loans and leases to core deposits | 78.9856% | 3,323 |
| Total domestic deposits to total assets | 80.4875% | 5,137 |
| Equity capital to assets | 11.1310% | 2,756 |
| Core capital (leverage) ratio | 10.8410% | 2,588 |
| Tier 1 risk-based capital ratio | 14.9027% | 3,688 |
| Total risk-based capital ratio | 15.7554% | 3,868 |
| Memoranda: | ||
| Average total assets | $46,890,670 | 5,989 |
| Average earning assets | $44,373,670 | 5,938 |
| Average equity | $4,958,330 | 5,965 |
| Average total loans | $28,964,330 | 5,700 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1515% | 3,065 |
| Cost of funding earning assets | 0.8339% | 630 |
| Net interest margin | 3.3176% | 4,466 |
| Noninterest income to average assets | 0.2917% | 5,041 |
| Noninterest expense to average assets | 1.6473% | 6,393 |
| Loan and lease loss provision to assets | 0.1287% | 1,884 |
| Net operating income to assets | 1.5748% | 698 |
| Return on assets (ROA) | 1.6644% | 625 |
| Pretax return on assets | 1.7502% | 877 |
| Return on Equity (ROE) | 16.1734% | 626 |
| Retained earnings to average equity (ytd only) | 7.8366% | 1,667 |
| Net charge-offs to loans | 0.4930% | 746 |
| Credit loss provision to net charge-offs | 41.6667% | 2,288 |
| Earnings coverage of net charge-offs (x) | 5.7778% | 2,333 |
| Efficiency ratio | 48.0000% | 6,355 |
| Assets per employee ($millions) | 6.6957% | 929 |
| Cash dividends to net income (ytd only)* | 51.5464% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9442% | 5,722 |
| Loan loss allowance to noncurrent loans | 29.2063% | 5,876 |
| Noncurrent assets plus other real estate owned to assets | 2.4856% | 1,290 |
| Noncurrent loans to loans | 3.2330% | 951 |
| Net loans and leases to total assets | 61.7751% | 3,276 |
| Net loans and leases to deposits | 76.6405% | 2,737 |
| Net loans and leases to core deposits | 80.9427% | 2,859 |
| Total domestic deposits to total assets | 80.6038% | 5,353 |
| Equity capital to assets | 10.5611% | 3,190 |
| Core capital (leverage) ratio | 10.7582% | 2,644 |
| Tier 1 risk-based capital ratio | 14.5201% | 3,999 |
| Total risk-based capital ratio | 15.3132% | 4,224 |
| Memoranda: | ||
| Average total assets | $46,623,000 | 6,056 |
| Average earning assets | $44,128,500 | 6,000 |
| Average equity | $4,798,000 | 6,048 |
| Average total loans | $29,206,500 | 5,741 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3916% | 2,616 |
| Cost of funding earning assets | 0.9216% | 664 |
| Net interest margin | 3.4700% | 4,025 |
| Noninterest income to average assets | 0.3042% | 5,168 |
| Noninterest expense to average assets | 1.6136% | 6,508 |
| Loan and lease loss provision to assets | 0.0661% | 3,806 |
| Net operating income to assets | 1.8175% | 468 |
| Return on assets (ROA) | 1.8804% | 423 |
| Pretax return on assets | 1.9774% | 510 |
| Return on Equity (ROE) | 17.6349% | 442 |
| Retained earnings to average equity (ytd only) | 7.2979% | 1,318 |
| Net charge-offs to loans | -0.0107% | 6,029 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9355% | 6,590 |
| Assets per employee ($millions) | 7.7293% | 540 |
| Cash dividends to net income (ytd only)* | 58.6166% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0177% | 5,474 |
| Loan loss allowance to noncurrent loans | 436.7647% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.6210% | 4,375 |
| Noncurrent loans to loans | 0.2330% | 5,484 |
| Net loans and leases to total assets | 62.2865% | 3,319 |
| Net loans and leases to deposits | 80.9336% | 2,329 |
| Net loans and leases to core deposits | 86.3997% | 2,401 |
| Total domestic deposits to total assets | 76.9601% | 5,976 |
| Equity capital to assets | 10.0181% | 3,746 |
| Core capital (leverage) ratio | 10.7898% | 2,585 |
| Tier 1 risk-based capital ratio | 14.1613% | 4,180 |
| Total risk-based capital ratio | 15.0094% | 4,421 |
| Memoranda: | ||
| Average total assets | $45,363,600 | 6,140 |
| Average earning assets | $42,968,600 | 6,082 |
| Average equity | $4,837,000 | 6,107 |
| Average total loans | $28,031,000 | 5,840 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3877% | 2,637 |
| Cost of funding earning assets | 0.9362% | 683 |
| Net interest margin | 3.4515% | 4,083 |
| Noninterest income to average assets | 0.3281% | 5,065 |
| Noninterest expense to average assets | 1.5694% | 6,581 |
| Loan and lease loss provision to assets | 0.0887% | 3,288 |
| Net operating income to assets | 1.8452% | 486 |
| Return on assets (ROA) | 1.9182% | 431 |
| Pretax return on assets | 2.0157% | 561 |
| Return on Equity (ROE) | 17.7145% | 466 |
| Retained earnings to average equity (ytd only) | 9.5260% | 900 |
| Net charge-offs to loans | -0.0144% | 5,969 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6319% | 6,668 |
| Assets per employee ($millions) | 7.6548% | 545 |
| Cash dividends to net income (ytd only)* | 46.2251% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0581% | 5,492 |
| Loan loss allowance to noncurrent loans | 436.7647% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.6662% | 4,444 |
| Noncurrent loans to loans | 0.2423% | 5,629 |
| Net loans and leases to total assets | 60.4672% | 3,626 |
| Net loans and leases to deposits | 77.7470% | 2,709 |
| Net loans and leases to core deposits | 82.3753% | 2,838 |
| Total domestic deposits to total assets | 77.7744% | 5,938 |
| Equity capital to assets | 10.3116% | 3,495 |
| Core capital (leverage) ratio | 11.0647% | 2,420 |
| Tier 1 risk-based capital ratio | 14.5586% | 4,042 |
| Total risk-based capital ratio | 15.4314% | 4,243 |
| Memoranda: | ||
| Average total assets | $45,110,500 | 6,214 |
| Average earning assets | $42,724,500 | 6,157 |
| Average equity | $4,884,750 | 6,173 |
| Average total loans | $27,743,000 | 5,917 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3755% | 2,656 |
| Cost of funding earning assets | 0.9541% | 700 |
| Net interest margin | 3.4214% | 4,108 |
| Noninterest income to average assets | 0.3524% | 4,866 |
| Noninterest expense to average assets | 1.5790% | 6,608 |
| Loan and lease loss provision to assets | 0.1338% | 2,649 |
| Net operating income to assets | 1.7971% | 526 |
| Return on assets (ROA) | 1.8734% | 479 |
| Pretax return on assets | 1.9671% | 645 |
| Return on Equity (ROE) | 17.0236% | 553 |
| Retained earnings to average equity (ytd only) | 8.9171% | 1,158 |
| Net charge-offs to loans | -0.0145% | 5,866 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8662% | 6,711 |
| Assets per employee ($millions) | 7.4410% | 586 |
| Cash dividends to net income (ytd only)* | 47.6190% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0745% | 5,536 |
| Loan loss allowance to noncurrent loans | 144.3902% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 0.5331% | 4,930 |
| Noncurrent loans to loans | 0.7442% | 4,435 |
| Net loans and leases to total assets | 61.0402% | 3,475 |
| Net loans and leases to deposits | 78.2339% | 2,537 |
| Net loans and leases to core deposits | 79.8523% | 3,042 |
| Total domestic deposits to total assets | 78.0227% | 5,975 |
| Equity capital to assets | 10.1913% | 3,671 |
| Core capital (leverage) ratio | 10.5299% | 2,846 |
| Tier 1 risk-based capital ratio | 14.6066% | 4,028 |
| Total risk-based capital ratio | 15.5027% | 4,209 |
| Memoranda: | ||
| Average total assets | $44,837,670 | 6,264 |
| Average earning assets | $42,555,330 | 6,203 |
| Average equity | $4,934,330 | 6,201 |
| Average total loans | $27,634,330 | 5,954 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2976% | 2,902 |
| Cost of funding earning assets | 0.9571% | 760 |
| Net interest margin | 3.3405% | 4,350 |
| Noninterest income to average assets | 0.4451% | 4,142 |
| Noninterest expense to average assets | 1.5935% | 6,674 |
| Loan and lease loss provision to assets | 0.1335% | 2,568 |
| Net operating income to assets | 1.7995% | 480 |
| Return on assets (ROA) | 1.8249% | 509 |
| Pretax return on assets | 1.9139% | 714 |
| Return on Equity (ROE) | 15.9953% | 606 |
| Retained earnings to average equity (ytd only) | 8.1927% | 1,687 |
| Net charge-offs to loans | -0.0145% | 5,576 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0887% | 6,774 |
| Assets per employee ($millions) | 7.5948% | 593 |
| Cash dividends to net income (ytd only)* | 48.7805% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0573% | 5,767 |
| Loan loss allowance to noncurrent loans | 136.5854% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 0.5420% | 5,039 |
| Noncurrent loans to loans | 0.7741% | 4,571 |
| Net loans and leases to total assets | 57.4996% | 3,846 |
| Net loans and leases to deposits | 72.2794% | 3,145 |
| Net loans and leases to core deposits | 73.7129% | 3,616 |
| Total domestic deposits to total assets | 79.5519% | 5,856 |
| Equity capital to assets | 11.2928% | 2,640 |
| Core capital (leverage) ratio | 10.4388% | 2,857 |
| Tier 1 risk-based capital ratio | 14.6885% | 4,047 |
| Total risk-based capital ratio | 15.5617% | 4,250 |
| Memoranda: | ||
| Average total assets | $44,933,500 | 6,317 |
| Average earning assets | $42,628,500 | 6,258 |
| Average equity | $5,126,500 | 6,207 |
| Average total loans | $27,677,500 | 6,005 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7308% | 2,469 |
| Cost of funding earning assets | 1.0837% | 966 |
| Net interest margin | 3.6471% | 3,889 |
| Noninterest income to average assets | 0.3370% | 5,049 |
| Noninterest expense to average assets | 1.7284% | 6,694 |
| Loan and lease loss provision to assets | 0.1444% | 3,800 |
| Net operating income to assets | 1.8075% | 502 |
| Return on assets (ROA) | 1.8921% | 487 |
| Pretax return on assets | 1.9884% | 617 |
| Return on Equity (ROE) | 15.9542% | 670 |
| Retained earnings to average equity (ytd only) | 5.8052% | 2,194 |
| Net charge-offs to loans | 0.0899% | 4,774 |
| Credit loss provision to net charge-offs | 250.0000% | 973 |
| Earnings coverage of net charge-offs (x) | 35.3750% | 889 |
| Efficiency ratio | 45.8200% | 6,788 |
| Assets per employee ($millions) | 7.3830% | 659 |
| Cash dividends to net income (ytd only)* | 63.6132% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9143% | 6,232 |
| Loan loss allowance to noncurrent loans | 70.2128% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 1.1694% | 3,708 |
| Noncurrent loans to loans | 1.3023% | 3,661 |
| Net loans and leases to total assets | 64.5831% | 2,799 |
| Net loans and leases to deposits | 84.4771% | 1,702 |
| Net loans and leases to core deposits | 86.2704% | 2,279 |
| Total domestic deposits to total assets | 76.4504% | 6,295 |
| Equity capital to assets | 11.5287% | 2,418 |
| Core capital (leverage) ratio | 10.5421% | 2,717 |
| Tier 1 risk-based capital ratio | 13.6919% | 4,610 |
| Total risk-based capital ratio | 14.4769% | 4,885 |
| Memoranda: | ||
| Average total assets | $41,540,800 | 6,449 |
| Average earning assets | $39,126,800 | 6,389 |
| Average equity | $4,926,600 | 6,312 |
| Average total loans | $26,682,800 | 6,102 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7378% | 2,632 |
| Cost of funding earning assets | 1.0933% | 1,088 |
| Net interest margin | 3.6445% | 4,029 |
| Noninterest income to average assets | 0.3623% | 4,923 |
| Noninterest expense to average assets | 1.7004% | 6,789 |
| Loan and lease loss provision to assets | 0.1469% | 3,703 |
| Net operating income to assets | 1.8491% | 521 |
| Return on assets (ROA) | 1.8832% | 553 |
| Pretax return on assets | 1.9778% | 735 |
| Return on Equity (ROE) | 15.7597% | 776 |
| Retained earnings to average equity (ytd only) | 7.5657% | 1,813 |
| Net charge-offs to loans | -0.0408% | 6,658 |
| Credit loss provision to net charge-offs | -562.5000% | 6,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8751% | 6,870 |
| Assets per employee ($millions) | 7.1672% | 688 |
| Cash dividends to net income (ytd only)* | 51.9933% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0209% | 6,004 |
| Loan loss allowance to noncurrent loans | 69.7270% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 1.5115% | 3,320 |
| Noncurrent loans to loans | 1.4642% | 3,597 |
| Net loans and leases to total assets | 63.3514% | 3,146 |
| Net loans and leases to deposits | 83.2635% | 1,964 |
| Net loans and leases to core deposits | 85.0918% | 2,569 |
| Total domestic deposits to total assets | 76.0854% | 6,368 |
| Equity capital to assets | 11.9643% | 2,291 |
| Core capital (leverage) ratio | 10.9044% | 2,484 |
| Tier 1 risk-based capital ratio | 14.3057% | 4,329 |
| Total risk-based capital ratio | 15.1804% | 4,538 |
| Memoranda: | ||
| Average total assets | $40,851,500 | 6,557 |
| Average earning assets | $38,413,750 | 6,491 |
| Average equity | $4,881,500 | 6,397 |
| Average total loans | $26,135,250 | 6,210 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7633% | 2,667 |
| Cost of funding earning assets | 1.0874% | 1,270 |
| Net interest margin | 3.6759% | 3,940 |
| Noninterest income to average assets | 0.4036% | 4,621 |
| Noninterest expense to average assets | 1.7043% | 6,839 |
| Loan and lease loss provision to assets | 0.1495% | 3,652 |
| Net operating income to assets | 1.9086% | 451 |
| Return on assets (ROA) | 1.9086% | 515 |
| Pretax return on assets | 2.0033% | 695 |
| Return on Equity (ROE) | 15.9794% | 772 |
| Retained earnings to average equity (ytd only) | 7.6351% | 1,795 |
| Net charge-offs to loans | -0.0467% | 6,647 |
| Credit loss provision to net charge-offs | -500.0000% | 6,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1860% | 6,949 |
| Assets per employee ($millions) | 6.7565% | 832 |
| Cash dividends to net income (ytd only)* | 52.2193% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0058% | 6,135 |
| Loan loss allowance to noncurrent loans | 64.0777% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 1.6552% | 3,238 |
| Noncurrent loans to loans | 1.5696% | 3,553 |
| Net loans and leases to total assets | 64.0963% | 3,012 |
| Net loans and leases to deposits | 83.2874% | 1,946 |
| Net loans and leases to core deposits | 85.2046% | 2,531 |
| Total domestic deposits to total assets | 76.9580% | 6,327 |
| Equity capital to assets | 12.3017% | 1,933 |
| Core capital (leverage) ratio | 11.1587% | 2,157 |
| Tier 1 risk-based capital ratio | 14.6458% | 4,001 |
| Total risk-based capital ratio | 15.5045% | 4,228 |
| Memoranda: | ||
| Average total assets | $40,134,330 | 6,628 |
| Average earning assets | $37,705,330 | 6,567 |
| Average equity | $4,793,670 | 6,450 |
| Average total loans | $25,672,330 | 6,278 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7598% | 2,807 |
| Cost of funding earning assets | 1.0886% | 1,462 |
| Net interest margin | 3.6712% | 3,956 |
| Noninterest income to average assets | 0.5710% | 3,416 |
| Noninterest expense to average assets | 1.7329% | 6,869 |
| Loan and lease loss provision to assets | 0.1503% | 3,488 |
| Net operating income to assets | 2.0335% | 394 |
| Return on assets (ROA) | 2.0335% | 454 |
| Pretax return on assets | 2.1336% | 598 |
| Return on Equity (ROE) | 17.2876% | 629 |
| Retained earnings to average equity (ytd only) | 8.7716% | 1,670 |
| Net charge-offs to loans | -0.0473% | 6,510 |
| Credit loss provision to net charge-offs | -500.0000% | 5,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1421% | 7,022 |
| Assets per employee ($millions) | 6.6807% | 888 |
| Cash dividends to net income (ytd only)* | 49.2611% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9989% | 6,253 |
| Loan loss allowance to noncurrent loans | 67.2131% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 1.5742% | 3,498 |
| Noncurrent loans to loans | 1.4862% | 3,889 |
| Net loans and leases to total assets | 60.8223% | 3,485 |
| Net loans and leases to deposits | 76.2042% | 2,768 |
| Net loans and leases to core deposits | 77.1690% | 3,443 |
| Total domestic deposits to total assets | 79.8149% | 5,895 |
| Equity capital to assets | 11.9299% | 2,091 |
| Core capital (leverage) ratio | 11.0625% | 2,212 |
| Tier 1 risk-based capital ratio | 15.0372% | 3,740 |
| Total risk-based capital ratio | 15.8738% | 3,965 |
| Memoranda: | ||
| Average total assets | $39,932,000 | 6,689 |
| Average earning assets | $37,480,500 | 6,624 |
| Average equity | $4,697,000 | 6,516 |
| Average total loans | $25,384,500 | 6,344 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9451% | 3,127 |
| Cost of funding earning assets | 1.2035% | 2,004 |
| Net interest margin | 3.7416% | 4,112 |
| Noninterest income to average assets | 0.5064% | 3,805 |
| Noninterest expense to average assets | 1.9712% | 6,724 |
| Loan and lease loss provision to assets | 0.0817% | 5,590 |
| Net operating income to assets | 1.8580% | 417 |
| Return on assets (ROA) | 1.8787% | 434 |
| Pretax return on assets | 1.9712% | 563 |
| Return on Equity (ROE) | 15.7844% | 633 |
| Retained earnings to average equity (ytd only) | 4.3464% | 3,083 |
| Net charge-offs to loans | 0.0612% | 5,686 |
| Credit loss provision to net charge-offs | 200.0000% | 1,243 |
| Earnings coverage of net charge-offs (x) | 49.7333% | 565 |
| Efficiency ratio | 49.2517% | 6,877 |
| Assets per employee ($millions) | 6.6300% | 888 |
| Cash dividends to net income (ytd only)* | 72.4638% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8721% | 6,600 |
| Loan loss allowance to noncurrent loans | 60.9626% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 1.6315% | 3,512 |
| Noncurrent loans to loans | 1.4306% | 4,016 |
| Net loans and leases to total assets | 65.1458% | 2,946 |
| Net loans and leases to deposits | 85.4491% | 1,737 |
| Net loans and leases to core deposits | 86.5912% | 2,558 |
| Total domestic deposits to total assets | 76.2393% | 6,448 |
| Equity capital to assets | 11.5938% | 2,431 |
| Core capital (leverage) ratio | 11.3589% | 1,998 |
| Tier 1 risk-based capital ratio | 14.1010% | 4,252 |
| Total risk-based capital ratio | 14.8454% | 4,598 |
| Memoranda: | ||
| Average total assets | $36,728,200 | 6,773 |
| Average earning assets | $34,316,800 | 6,742 |
| Average equity | $4,371,400 | 6,635 |
| Average total loans | $24,512,400 | 6,445 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0294% | 2,939 |
| Cost of funding earning assets | 1.2395% | 2,067 |
| Net interest margin | 3.7899% | 3,925 |
| Noninterest income to average assets | 0.6302% | 2,989 |
| Noninterest expense to average assets | 1.9648% | 6,763 |
| Loan and lease loss provision to assets | 0.1112% | 5,039 |
| Net operating income to assets | 1.9923% | 347 |
| Return on assets (ROA) | 2.0204% | 356 |
| Pretax return on assets | 2.1205% | 491 |
| Return on Equity (ROE) | 16.8547% | 583 |
| Retained earnings to average equity (ytd only) | 7.5769% | 1,674 |
| Net charge-offs to loans | -0.0277% | 6,960 |
| Credit loss provision to net charge-offs | -600.0000% | 6,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1530% | 7,010 |
| Assets per employee ($millions) | 6.1415% | 1,121 |
| Cash dividends to net income (ytd only)* | 55.0458% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0454% | 6,067 |
| Loan loss allowance to noncurrent loans | 56.3636% | 4,641 |
| Noncurrent assets plus other real estate owned to assets | 2.0245% | 3,112 |
| Noncurrent loans to loans | 1.8548% | 3,561 |
| Net loans and leases to total assets | 63.7032% | 3,364 |
| Net loans and leases to deposits | 81.3629% | 2,473 |
| Net loans and leases to core deposits | 83.2382% | 3,158 |
| Total domestic deposits to total assets | 78.2952% | 6,137 |
| Equity capital to assets | 12.6218% | 1,838 |
| Core capital (leverage) ratio | 11.7813% | 1,836 |
| Tier 1 risk-based capital ratio | 15.8486% | 3,192 |
| Total risk-based capital ratio | 16.7470% | 3,363 |
| Memoranda: | ||
| Average total assets | $35,965,250 | 6,857 |
| Average earning assets | $33,562,000 | 6,829 |
| Average equity | $4,311,250 | 6,703 |
| Average total loans | $24,104,750 | 6,525 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0750% | 2,799 |
| Cost of funding earning assets | 1.2567% | 2,212 |
| Net interest margin | 3.8182% | 3,698 |
| Noninterest income to average assets | 0.4037% | 4,653 |
| Noninterest expense to average assets | 2.0353% | 6,722 |
| Loan and lease loss provision to assets | 0.1682% | 4,252 |
| Net operating income to assets | 1.6787% | 626 |
| Return on assets (ROA) | 1.7213% | 618 |
| Pretax return on assets | 1.8054% | 874 |
| Return on Equity (ROE) | 14.6260% | 866 |
| Retained earnings to average equity (ytd only) | 6.2887% | 2,253 |
| Net charge-offs to loans | -0.0248% | 6,875 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3437% | 6,845 |
| Assets per employee ($millions) | 6.0810% | 1,142 |
| Cash dividends to net income (ytd only)* | 57.0033% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0494% | 6,145 |
| Loan loss allowance to noncurrent loans | 127.4611% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 1.3676% | 4,173 |
| Noncurrent loans to loans | 0.8233% | 5,286 |
| Net loans and leases to total assets | 63.5723% | 3,560 |
| Net loans and leases to deposits | 80.6811% | 2,667 |
| Net loans and leases to core deposits | 81.8195% | 3,531 |
| Total domestic deposits to total assets | 78.7946% | 6,136 |
| Equity capital to assets | 12.0430% | 2,058 |
| Core capital (leverage) ratio | 11.7540% | 1,746 |
| Tier 1 risk-based capital ratio | 15.5010% | 3,243 |
| Total risk-based capital ratio | 16.3957% | 3,388 |
| Memoranda: | ||
| Average total assets | $35,670,670 | 6,927 |
| Average earning assets | $33,261,330 | 6,897 |
| Average equity | $4,198,000 | 6,785 |
| Average total loans | $24,232,330 | 6,576 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9261% | 3,444 |
| Cost of funding earning assets | 1.2376% | 2,582 |
| Net interest margin | 3.6885% | 4,166 |
| Noninterest income to average assets | 0.3743% | 4,916 |
| Noninterest expense to average assets | 2.0645% | 6,705 |
| Loan and lease loss provision to assets | 0.1702% | 3,927 |
| Net operating income to assets | 1.5098% | 856 |
| Return on assets (ROA) | 1.5314% | 860 |
| Pretax return on assets | 1.6108% | 1,166 |
| Return on Equity (ROE) | 13.1707% | 1,153 |
| Retained earnings to average equity (ytd only) | 5.8537% | 2,721 |
| Net charge-offs to loans | -0.0162% | 6,504 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0059% | 6,698 |
| Assets per employee ($millions) | 6.0508% | 1,165 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9354% | 6,606 |
| Loan loss allowance to noncurrent loans | 114.5000% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 1.3937% | 4,202 |
| Noncurrent loans to loans | 0.8170% | 5,403 |
| Net loans and leases to total assets | 66.8007% | 2,813 |
| Net loans and leases to deposits | 84.2200% | 1,995 |
| Net loans and leases to core deposits | 85.4064% | 2,976 |
| Total domestic deposits to total assets | 79.3169% | 6,114 |
| Equity capital to assets | 11.4667% | 2,303 |
| Core capital (leverage) ratio | 11.7555% | 1,702 |
| Tier 1 risk-based capital ratio | 14.8130% | 3,534 |
| Total risk-based capital ratio | 15.6226% | 3,785 |
| Memoranda: | ||
| Average total assets | $35,263,000 | 6,996 |
| Average earning assets | $32,967,000 | 6,959 |
| Average equity | $4,100,000 | 6,849 |
| Average total loans | $24,628,000 | 6,607 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3107% | 3,078 |
| Cost of funding earning assets | 1.3763% | 3,415 |
| Net interest margin | 3.9345% | 3,322 |
| Noninterest income to average assets | 0.0871% | 6,961 |
| Noninterest expense to average assets | 2.0626% | 6,922 |
| Loan and lease loss provision to assets | 0.2042% | 5,200 |
| Net operating income to assets | 1.3999% | 953 |
| Return on assets (ROA) | 1.4141% | 988 |
| Pretax return on assets | 1.4832% | 1,416 |
| Return on Equity (ROE) | 11.2885% | 1,507 |
| Retained earnings to average equity (ytd only) | 1.1025% | 4,993 |
| Net charge-offs to loans | 0.1069% | 5,806 |
| Credit loss provision to net charge-offs | 261.5385% | 1,077 |
| Earnings coverage of net charge-offs (x) | 21.4231% | 968 |
| Efficiency ratio | 55.2251% | 6,689 |
| Assets per employee ($millions) | 5.7035% | 1,418 |
| Cash dividends to net income (ytd only)* | 90.2335% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8597% | 6,832 |
| Loan loss allowance to noncurrent loans | 110.3627% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 1.1776% | 4,657 |
| Noncurrent loans to loans | 0.7790% | 5,485 |
| Net loans and leases to total assets | 71.7746% | 2,148 |
| Net loans and leases to deposits | 92.6553% | 1,183 |
| Net loans and leases to core deposits | 95.5385% | 2,068 |
| Total domestic deposits to total assets | 77.4641% | 6,408 |
| Equity capital to assets | 11.7968% | 2,043 |
| Core capital (leverage) ratio | 12.2226% | 1,420 |
| Tier 1 risk-based capital ratio | 14.6745% | 3,436 |
| Total risk-based capital ratio | 15.4314% | 3,705 |
| Memoranda: | ||
| Average total assets | $33,307,000 | 7,106 |
| Average earning assets | $30,880,800 | 7,058 |
| Average equity | $4,172,400 | 6,933 |
| Average total loans | $24,330,600 | 6,712 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3802% | 2,969 |
| Cost of funding earning assets | 1.3886% | 3,641 |
| Net interest margin | 3.9916% | 3,146 |
| Noninterest income to average assets | 0.3668% | 5,220 |
| Noninterest expense to average assets | 2.4063% | 6,014 |
| Loan and lease loss provision to assets | 0.2096% | 4,971 |
| Net operating income to assets | 1.3791% | 1,149 |
| Return on assets (ROA) | 1.3906% | 1,203 |
| Pretax return on assets | 1.4591% | 1,725 |
| Return on Equity (ROE) | 10.9359% | 1,804 |
| Retained earnings to average equity (ytd only) | 1.4264% | 5,231 |
| Net charge-offs to loans | 0.1431% | 5,153 |
| Credit loss provision to net charge-offs | 200.0000% | 1,782 |
| Earnings coverage of net charge-offs (x) | 15.8059% | 1,421 |
| Efficiency ratio | 59.2262% | 6,076 |
| Assets per employee ($millions) | 5.5203% | 1,614 |
| Cash dividends to net income (ytd only)* | 86.9562% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8094% | 6,983 |
| Loan loss allowance to noncurrent loans | 90.7834% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 1.3224% | 4,504 |
| Noncurrent loans to loans | 0.8916% | 5,457 |
| Net loans and leases to total assets | 72.8851% | 2,037 |
| Net loans and leases to deposits | 94.6854% | 1,130 |
| Net loans and leases to core deposits | 97.7527% | 2,070 |
| Total domestic deposits to total assets | 76.9760% | 6,482 |
| Equity capital to assets | 12.9582% | 1,597 |
| Core capital (leverage) ratio | 12.4653% | 1,431 |
| Tier 1 risk-based capital ratio | 15.3400% | 3,078 |
| Total risk-based capital ratio | 16.0721% | 3,314 |
| Memoranda: | ||
| Average total assets | $33,078,500 | 7,204 |
| Average earning assets | $30,630,000 | 7,149 |
| Average equity | $4,206,250 | 7,005 |
| Average total loans | $24,219,500 | 6,806 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4216% | 2,881 |
| Cost of funding earning assets | 1.3848% | 3,970 |
| Net interest margin | 4.0368% | 2,848 |
| Noninterest income to average assets | 0.3629% | 5,240 |
| Noninterest expense to average assets | 2.0566% | 7,004 |
| Loan and lease loss provision to assets | 0.1815% | 5,054 |
| Net operating income to assets | 1.7732% | 511 |
| Return on assets (ROA) | 1.7905% | 543 |
| Pretax return on assets | 1.8812% | 766 |
| Return on Equity (ROE) | 14.1706% | 1,006 |
| Retained earnings to average equity (ytd only) | 4.5959% | 3,150 |
| Net charge-offs to loans | 0.2151% | 4,318 |
| Credit loss provision to net charge-offs | 115.3846% | 3,516 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 1,620 |
| Efficiency ratio | 50.1475% | 7,214 |
| Assets per employee ($millions) | 5.5092% | 1,610 |
| Cash dividends to net income (ytd only)* | 67.5676% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7108% | 7,221 |
| Loan loss allowance to noncurrent loans | 72.0165% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 1.7062% | 3,884 |
| Noncurrent loans to loans | 0.9870% | 5,330 |
| Net loans and leases to total assets | 73.9495% | 1,920 |
| Net loans and leases to deposits | 96.0057% | 1,048 |
| Net loans and leases to core deposits | 101.5918% | 1,860 |
| Total domestic deposits to total assets | 77.0262% | 6,501 |
| Equity capital to assets | 12.8755% | 1,620 |
| Core capital (leverage) ratio | 12.7427% | 1,309 |
| Tier 1 risk-based capital ratio | 15.2934% | 3,013 |
| Total risk-based capital ratio | 15.9337% | 3,310 |
| Memoranda: | ||
| Average total assets | $33,064,000 | 7,256 |
| Average earning assets | $30,618,330 | 7,206 |
| Average equity | $4,177,670 | 7,049 |
| Average total loans | $24,180,000 | 6,852 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4194% | 2,944 |
| Cost of funding earning assets | 1.3939% | 4,220 |
| Net interest margin | 4.0255% | 2,766 |
| Noninterest income to average assets | 0.3992% | 4,925 |
| Noninterest expense to average assets | 2.0684% | 7,016 |
| Loan and lease loss provision to assets | 0.1814% | 4,706 |
| Net operating income to assets | 1.8023% | 494 |
| Return on assets (ROA) | 1.8023% | 544 |
| Pretax return on assets | 1.8870% | 749 |
| Return on Equity (ROE) | 14.4014% | 975 |
| Retained earnings to average equity (ytd only) | 4.7360% | 3,304 |
| Net charge-offs to loans | 0.0668% | 4,742 |
| Credit loss provision to net charge-offs | 375.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 42.7500% | 648 |
| Efficiency ratio | 50.0000% | 7,314 |
| Assets per employee ($millions) | 5.4425% | 1,725 |
| Cash dividends to net income (ytd only)* | 67.1141% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7637% | 7,213 |
| Loan loss allowance to noncurrent loans | 75.8333% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 1.7394% | 3,872 |
| Noncurrent loans to loans | 1.0071% | 5,310 |
| Net loans and leases to total assets | 72.4208% | 2,352 |
| Net loans and leases to deposits | 92.1916% | 1,586 |
| Net loans and leases to core deposits | 98.6649% | 2,275 |
| Total domestic deposits to total assets | 78.5546% | 6,190 |
| Equity capital to assets | 12.7484% | 1,628 |
| Core capital (leverage) ratio | 12.4301% | 1,435 |
| Tier 1 risk-based capital ratio | 15.5408% | 2,852 |
| Total risk-based capital ratio | 16.2254% | 3,085 |
| Memoranda: | ||
| Average total assets | $33,068,500 | 7,340 |
| Average earning assets | $30,704,500 | 7,293 |
| Average equity | $4,138,500 | 7,129 |
| Average total loans | $23,960,500 | 6,947 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4687% | 4,337 |
| Cost of funding earning assets | 1.7244% | 4,383 |
| Net interest margin | 3.7443% | 3,932 |
| Noninterest income to average assets | 0.3483% | 5,604 |
| Noninterest expense to average assets | 2.2574% | 6,851 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.5082% | 659 |
| Return on assets (ROA) | 1.5082% | 709 |
| Pretax return on assets | 1.5871% | 989 |
| Return on Equity (ROE) | 11.2472% | 1,367 |
| Retained earnings to average equity (ytd only) | 0.8331% | 4,431 |
| Net charge-offs to loans | 0.4146% | 4,153 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 5.0313% | 2,706 |
| Efficiency ratio | 58.7179% | 6,659 |
| Assets per employee ($millions) | 5.5803% | 1,579 |
| Cash dividends to net income (ytd only)* | 92.5926% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7098% | 7,357 |
| Loan loss allowance to noncurrent loans | 60.8541% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 1.1499% | 4,792 |
| Noncurrent loans to loans | 1.1665% | 4,995 |
| Net loans and leases to total assets | 71.4384% | 2,899 |
| Net loans and leases to deposits | 95.2531% | 1,424 |
| Net loans and leases to core deposits | 105.8550% | 3,357 |
| Total domestic deposits to total assets | 74.9985% | 6,869 |
| Equity capital to assets | 12.2872% | 1,861 |
| Core capital (leverage) ratio | 12.7442% | 1,329 |
| Tier 1 risk-based capital ratio | 15.2670% | 2,816 |
| Total risk-based capital ratio | 15.9064% | 3,083 |
| Memoranda: | ||
| Average total assets | $30,433,200 | 7,457 |
| Average earning assets | $28,416,400 | 7,418 |
| Average equity | $4,081,000 | 7,256 |
| Average total loans | $23,157,000 | 7,019 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5748% | 4,001 |
| Cost of funding earning assets | 1.8166% | 4,306 |
| Net interest margin | 3.7582% | 3,826 |
| Noninterest income to average assets | 0.3280% | 5,860 |
| Noninterest expense to average assets | 2.2603% | 6,811 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.5054% | 800 |
| Return on assets (ROA) | 1.5054% | 860 |
| Pretax return on assets | 1.5818% | 1,212 |
| Return on Equity (ROE) | 10.9670% | 1,629 |
| Retained earnings to average equity (ytd only) | 1.1459% | 4,682 |
| Net charge-offs to loans | 0.0989% | 5,682 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 20.7022% | 1,225 |
| Efficiency ratio | 58.8304% | 6,587 |
| Assets per employee ($millions) | 5.0705% | 2,053 |
| Cash dividends to net income (ytd only)* | 89.5513% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0982% | 5,740 |
| Loan loss allowance to noncurrent loans | 64.9351% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 1.7290% | 3,771 |
| Noncurrent loans to loans | 1.6912% | 4,102 |
| Net loans and leases to total assets | 74.0065% | 2,515 |
| Net loans and leases to deposits | 94.4144% | 1,803 |
| Net loans and leases to core deposits | 107.1786% | 3,571 |
| Total domestic deposits to total assets | 78.3848% | 5,984 |
| Equity capital to assets | 13.6476% | 1,434 |
| Core capital (leverage) ratio | 13.3981% | 1,266 |
| Tier 1 risk-based capital ratio | 16.5848% | 2,396 |
| Total risk-based capital ratio | 17.6000% | 2,434 |
| Memoranda: | ||
| Average total assets | $29,671,000 | 7,550 |
| Average earning assets | $27,743,000 | 7,506 |
| Average equity | $4,072,750 | 7,329 |
| Average total loans | $22,923,750 | 7,095 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5564% | 4,305 |
| Cost of funding earning assets | 1.8764% | 4,387 |
| Net interest margin | 3.6800% | 4,040 |
| Noninterest income to average assets | 0.3331% | 5,847 |
| Noninterest expense to average assets | 2.2365% | 6,959 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.4616% | 916 |
| Return on assets (ROA) | 1.4616% | 977 |
| Pretax return on assets | 1.5364% | 1,358 |
| Return on Equity (ROE) | 10.6269% | 1,812 |
| Retained earnings to average equity (ytd only) | 0.7414% | 4,896 |
| Net charge-offs to loans | -0.0087% | 7,591 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2793% | 6,653 |
| Assets per employee ($millions) | 4.9843% | 2,093 |
| Cash dividends to net income (ytd only)* | 93.0233% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1715% | 5,134 |
| Loan loss allowance to noncurrent loans | 65.3659% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 1.8725% | 3,371 |
| Noncurrent loans to loans | 1.7922% | 3,813 |
| Net loans and leases to total assets | 75.6002% | 2,286 |
| Net loans and leases to deposits | 97.4946% | 1,604 |
| Net loans and leases to core deposits | 108.6971% | 3,529 |
| Total domestic deposits to total assets | 77.5430% | 6,191 |
| Equity capital to assets | 13.4789% | 1,501 |
| Core capital (leverage) ratio | 13.7066% | 1,208 |
| Tier 1 risk-based capital ratio | 16.5742% | 2,426 |
| Total risk-based capital ratio | 17.6672% | 2,423 |
| Memoranda: | ||
| Average total assets | $29,420,330 | 7,626 |
| Average earning assets | $27,500,000 | 7,577 |
| Average equity | $4,046,330 | 7,393 |
| Average total loans | $22,976,670 | 7,149 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5527% | 4,625 |
| Cost of funding earning assets | 1.9684% | 4,294 |
| Net interest margin | 3.5843% | 4,386 |
| Noninterest income to average assets | 0.3701% | 5,462 |
| Noninterest expense to average assets | 2.2209% | 6,802 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4258% | 1,087 |
| Return on assets (ROA) | 1.4258% | 1,174 |
| Pretax return on assets | 1.4943% | 1,682 |
| Return on Equity (ROE) | 10.2615% | 2,216 |
| Retained earnings to average equity (ytd only) | 0.3947% | 5,499 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7786% | 6,435 |
| Assets per employee ($millions) | 4.8282% | 2,265 |
| Cash dividends to net income (ytd only)* | 96.1538% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1717% | 4,978 |
| Loan loss allowance to noncurrent loans | 62.2378% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 1.9987% | 2,908 |
| Noncurrent loans to loans | 1.8827% | 3,436 |
| Net loans and leases to total assets | 77.7383% | 1,884 |
| Net loans and leases to deposits | 100.6975% | 1,315 |
| Net loans and leases to core deposits | 113.3880% | 3,065 |
| Total domestic deposits to total assets | 77.1998% | 6,228 |
| Equity capital to assets | 13.9943% | 1,368 |
| Core capital (leverage) ratio | 13.7381% | 1,254 |
| Tier 1 risk-based capital ratio | 16.8622% | 2,380 |
| Total risk-based capital ratio | 17.9730% | 2,367 |
| Memoranda: | ||
| Average total assets | $29,177,500 | 7,678 |
| Average earning assets | $27,230,000 | 7,634 |
| Average equity | $4,054,000 | 7,435 |
| Average total loans | $23,026,500 | 7,183 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2009% | 4,514 |
| Cost of funding earning assets | 2.4878% | 4,271 |
| Net interest margin | 3.7131% | 4,410 |
| Noninterest income to average assets | 0.3377% | 6,037 |
| Noninterest expense to average assets | 2.1584% | 7,094 |
| Loan and lease loss provision to assets | 0.0348% | 6,970 |
| Net operating income to assets | 1.5466% | 934 |
| Return on assets (ROA) | 1.5631% | 874 |
| Pretax return on assets | 1.6432% | 1,281 |
| Return on Equity (ROE) | 11.1232% | 1,865 |
| Retained earnings to average equity (ytd only) | 1.2139% | 4,498 |
| Net charge-offs to loans | 0.2337% | 3,911 |
| Credit loss provision to net charge-offs | 19.6078% | 6,581 |
| Earnings coverage of net charge-offs (x) | 9.3529% | 2,702 |
| Efficiency ratio | 56.5178% | 6,939 |
| Assets per employee ($millions) | 4.8977% | 2,049 |
| Cash dividends to net income (ytd only)* | 89.0869% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1476% | 4,944 |
| Loan loss allowance to noncurrent loans | 65.6020% | 4,729 |
| Noncurrent assets plus other real estate owned to assets | 1.8955% | 2,594 |
| Noncurrent loans to loans | 1.7493% | 3,142 |
| Net loans and leases to total assets | 78.2652% | 2,061 |
| Net loans and leases to deposits | 103.2364% | 1,434 |
| Net loans and leases to core deposits | 115.6891% | 3,155 |
| Total domestic deposits to total assets | 75.8116% | 6,288 |
| Equity capital to assets | 13.7957% | 1,498 |
| Core capital (leverage) ratio | 13.7436% | 1,322 |
| Tier 1 risk-based capital ratio | 16.6065% | 2,446 |
| Total risk-based capital ratio | 17.7016% | 2,436 |
| Memoranda: | ||
| Average total assets | $28,725,000 | 7,693 |
| Average earning assets | $26,931,600 | 7,665 |
| Average equity | $4,036,600 | 7,501 |
| Average total loans | $21,824,600 | 7,206 |