Home > Bank of Orchard > Performance and Condition Ratios
Bank of Orchard, 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 | 3.9907% | 3,976 |
| Cost of funding earning assets | 1.0948% | 3,082 |
| Net interest margin | 2.8959% | 3,499 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 2.0334% | 3,544 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0598% | 2,042 |
| Return on assets (ROA) | 1.0598% | 2,006 |
| Pretax return on assets | 1.1153% | 2,368 |
| Return on Equity (ROE) | 8.3200% | 2,940 |
| Retained earnings to average equity (ytd only) | 4.6937% | 2,716 |
| Net charge-offs to loans | -0.0129% | 4,036 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 64.5161% | 2,542 |
| Assets per employee ($millions) | 8.0640% | 1,399 |
| Cash dividends to net income (ytd only)* | 43.6047% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3146% | 244 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 26.9500% | 4,343 |
| Net loans and leases to deposits | 31.0889% | 4,345 |
| Net loans and leases to core deposits | 31.0889% | 4,385 |
| Total domestic deposits to total assets | 86.7000% | 1,788 |
| Equity capital to assets | 12.9619% | 865 |
| Core capital (leverage) ratio | 12.3881% | 1,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $32,458,000 | 4,450 |
| Average earning assets | $31,147,400 | 4,410 |
| Average equity | $4,133,200 | 4,343 |
| Average total loans | $7,749,800 | 4,436 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8414% | 4,070 |
| Cost of funding earning assets | 1.0190% | 2,983 |
| Net interest margin | 2.8225% | 3,694 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 1.7964% | 3,982 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2427% | 1,669 |
| Return on assets (ROA) | 1.2427% | 1,661 |
| Pretax return on assets | 1.2919% | 2,062 |
| Return on Equity (ROE) | 9.8000% | 2,698 |
| Retained earnings to average equity (ytd only) | 8.1850% | 1,892 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.0902% | 3,195 |
| Assets per employee ($millions) | 6.7338% | 2,154 |
| Cash dividends to net income (ytd only)* | 16.5017% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2862% | 260 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 26.0200% | 4,382 |
| Net loans and leases to deposits | 29.8759% | 4,378 |
| Net loans and leases to core deposits | 29.8759% | 4,381 |
| Total domestic deposits to total assets | 87.1100% | 1,855 |
| Equity capital to assets | 12.5932% | 894 |
| Core capital (leverage) ratio | 12.5805% | 1,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $32,508,500 | 4,473 |
| Average earning assets | $31,272,250 | 4,433 |
| Average equity | $4,121,250 | 4,357 |
| Average total loans | $7,462,250 | 4,462 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7293% | 4,111 |
| Cost of funding earning assets | 0.9372% | 2,811 |
| Net interest margin | 2.7921% | 3,832 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 1.8243% | 3,951 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1955% | 1,842 |
| Return on assets (ROA) | 1.1955% | 1,833 |
| Pretax return on assets | 1.2266% | 2,300 |
| Return on Equity (ROE) | 9.4100% | 2,860 |
| Retained earnings to average equity (ytd only) | 9.4079% | 1,574 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.7959% | 2,988 |
| Assets per employee ($millions) | 6.7236% | 2,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9831% | 132 |
| Loan loss allowance to noncurrent loans | 20,500.0000% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 3,858 |
| Noncurrent loans to loans | 0.0146% | 3,670 |
| Net loans and leases to total assets | 19.8300% | 4,461 |
| Net loans and leases to deposits | 22.7155% | 4,462 |
| Net loans and leases to core deposits | 22.7155% | 4,459 |
| Total domestic deposits to total assets | 87.3000% | 1,831 |
| Equity capital to assets | 12.4308% | 945 |
| Core capital (leverage) ratio | 12.4416% | 1,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $32,121,667 | 4,500 |
| Average earning assets | $30,944,000 | 4,463 |
| Average equity | $4,081,667 | 4,387 |
| Average total loans | $6,960,667 | 4,495 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5452% | 4,219 |
| Cost of funding earning assets | 0.8171% | 2,672 |
| Net interest margin | 2.7281% | 4,037 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 1.8232% | 3,989 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1730% | 2,013 |
| Return on assets (ROA) | 1.1730% | 1,978 |
| Pretax return on assets | 1.1730% | 2,504 |
| Return on Equity (ROE) | 9.1200% | 3,014 |
| Retained earnings to average equity (ytd only) | 9.1247% | 1,910 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.8511% | 2,839 |
| Assets per employee ($millions) | 6.4442% | 2,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0112% | 122 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 20.4900% | 4,512 |
| Net loans and leases to deposits | 23.5284% | 4,515 |
| Net loans and leases to core deposits | 23.5284% | 4,512 |
| Total domestic deposits to total assets | 87.1000% | 2,226 |
| Equity capital to assets | 12.6594% | 835 |
| Core capital (leverage) ratio | 12.7322% | 1,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $31,373,500 | 4,566 |
| Average earning assets | $30,351,000 | 4,532 |
| Average equity | $4,033,000 | 4,449 |
| Average total loans | $7,005,000 | 4,564 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2720% | 3,660 |
| Cost of funding earning assets | 0.4242% | 1,911 |
| Net interest margin | 2.8477% | 3,796 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 2.1109% | 3,258 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9828% | 2,631 |
| Return on assets (ROA) | 1.0162% | 2,452 |
| Pretax return on assets | 1.0507% | 2,914 |
| Return on Equity (ROE) | 8.2200% | 3,325 |
| Retained earnings to average equity (ytd only) | 4.2863% | 3,305 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.5025% | 2,023 |
| Assets per employee ($millions) | 6.1052% | 2,673 |
| Cash dividends to net income (ytd only)* | 47.8395% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8464% | 141 |
| Loan loss allowance to noncurrent loans | 1,708.3333% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 3,407 |
| Noncurrent loans to loans | 0.1666% | 2,650 |
| Net loans and leases to total assets | 22.9200% | 4,523 |
| Net loans and leases to deposits | 27.4964% | 4,506 |
| Net loans and leases to core deposits | 27.4964% | 4,511 |
| Total domestic deposits to total assets | 83.3600% | 3,343 |
| Equity capital to assets | 13.0610% | 691 |
| Core capital (leverage) ratio | 12.2054% | 1,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $31,882,600 | 4,597 |
| Average earning assets | $30,410,000 | 4,565 |
| Average equity | $3,942,800 | 4,537 |
| Average total loans | $7,334,600 | 4,595 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1709% | 3,500 |
| Cost of funding earning assets | 0.3625% | 1,595 |
| Net interest margin | 2.8083% | 3,718 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 1.8952% | 3,764 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1260% | 1,981 |
| Return on assets (ROA) | 1.1710% | 1,782 |
| Pretax return on assets | 1.1834% | 2,433 |
| Return on Equity (ROE) | 9.6000% | 2,847 |
| Retained earnings to average equity (ytd only) | 7.9013% | 2,040 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.4829% | 2,766 |
| Assets per employee ($millions) | 5.4175% | 3,307 |
| Cash dividends to net income (ytd only)* | 17.6678% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9805% | 135 |
| Loan loss allowance to noncurrent loans | 1,464.2857% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.0431% | 3,476 |
| Noncurrent loans to loans | 0.2035% | 2,585 |
| Net loans and leases to total assets | 20.5300% | 4,586 |
| Net loans and leases to deposits | 23.4973% | 4,584 |
| Net loans and leases to core deposits | 23.4973% | 4,582 |
| Total domestic deposits to total assets | 87.3700% | 2,634 |
| Equity capital to assets | 12.4627% | 779 |
| Core capital (leverage) ratio | 12.4074% | 1,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $32,221,750 | 4,628 |
| Average earning assets | $30,527,250 | 4,601 |
| Average equity | $3,931,750 | 4,583 |
| Average total loans | $7,367,750 | 4,629 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1059% | 3,292 |
| Cost of funding earning assets | 0.2949% | 1,766 |
| Net interest margin | 2.8111% | 3,418 |
| Noninterest income to average assets | 0.3860% | 2,838 |
| Noninterest expense to average assets | 1.9485% | 3,575 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1081% | 1,743 |
| Return on assets (ROA) | 1.1081% | 1,721 |
| Pretax return on assets | 1.1081% | 2,377 |
| Return on Equity (ROE) | 9.1470% | 2,647 |
| Retained earnings to average equity (ytd only) | 6.5776% | 2,148 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7475% | 2,801 |
| Assets per employee ($millions) | 5.5428% | 3,181 |
| Cash dividends to net income (ytd only)* | 28.0899% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8194% | 173 |
| Loan loss allowance to noncurrent loans | 20,500.0000% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 4,034 |
| Noncurrent loans to loans | 0.0138% | 3,867 |
| Net loans and leases to total assets | 21.2467% | 4,639 |
| Net loans and leases to deposits | 24.1523% | 4,639 |
| Net loans and leases to core deposits | 24.1523% | 4,644 |
| Total domestic deposits to total assets | 87.9695% | 2,591 |
| Equity capital to assets | 11.8652% | 920 |
| Core capital (leverage) ratio | 11.8328% | 1,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $32,127,333 | 4,665 |
| Average earning assets | $30,522,333 | 4,650 |
| Average equity | $3,892,000 | 4,624 |
| Average total loans | $7,531,000 | 4,692 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0519% | 3,104 |
| Cost of funding earning assets | 0.2532% | 2,121 |
| Net interest margin | 2.7986% | 3,146 |
| Noninterest income to average assets | 0.3802% | 2,811 |
| Noninterest expense to average assets | 1.8503% | 3,809 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1913% | 1,270 |
| Return on assets (ROA) | 1.1913% | 1,266 |
| Pretax return on assets | 1.1913% | 1,835 |
| Return on Equity (ROE) | 9.7283% | 2,076 |
| Retained earnings to average equity (ytd only) | 9.7283% | 1,089 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8333% | 3,392 |
| Assets per employee ($millions) | 5.3898% | 3,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8788% | 175 |
| Loan loss allowance to noncurrent loans | 5,125.0000% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 3,940 |
| Noncurrent loans to loans | 0.0562% | 3,580 |
| Net loans and leases to total assets | 21.3859% | 4,654 |
| Net loans and leases to deposits | 24.3676% | 4,660 |
| Net loans and leases to core deposits | 24.3676% | 4,661 |
| Total domestic deposits to total assets | 87.7640% | 2,642 |
| Equity capital to assets | 12.0968% | 925 |
| Core capital (leverage) ratio | 11.8888% | 1,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $31,562,500 | 4,695 |
| Average earning assets | $30,014,500 | 4,677 |
| Average equity | $3,865,000 | 4,662 |
| Average total loans | $7,661,000 | 4,714 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9061% | 4,042 |
| Cost of funding earning assets | 0.3446% | 1,990 |
| Net interest margin | 2.5615% | 4,106 |
| Noninterest income to average assets | 0.5688% | 2,284 |
| Noninterest expense to average assets | 2.2193% | 3,013 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6609% | 3,716 |
| Return on assets (ROA) | 0.6609% | 3,774 |
| Pretax return on assets | 0.7694% | 3,789 |
| Return on Equity (ROE) | 5.3483% | 3,918 |
| Retained earnings to average equity (ytd only) | 4.0179% | 3,215 |
| Net charge-offs to loans | -0.0672% | 4,440 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2574% | 1,278 |
| Assets per employee ($millions) | 5.1310% | 3,614 |
| Cash dividends to net income (ytd only)* | 24.8756% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4997% | 279 |
| Loan loss allowance to noncurrent loans | 976.1905% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.0682% | 3,485 |
| Noncurrent loans to loans | 0.2561% | 2,697 |
| Net loans and leases to total assets | 25.9728% | 4,626 |
| Net loans and leases to deposits | 29.6973% | 4,626 |
| Net loans and leases to core deposits | 29.6973% | 4,647 |
| Total domestic deposits to total assets | 87.4586% | 2,307 |
| Equity capital to assets | 12.4017% | 1,094 |
| Core capital (leverage) ratio | 11.9451% | 1,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $30,415,000 | 4,739 |
| Average earning assets | $28,733,000 | 4,723 |
| Average equity | $3,758,200 | 4,723 |
| Average total loans | $7,445,000 | 4,764 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8484% | 4,238 |
| Cost of funding earning assets | 0.3590% | 2,035 |
| Net interest margin | 2.4894% | 4,295 |
| Noninterest income to average assets | 0.5452% | 2,434 |
| Noninterest expense to average assets | 2.0974% | 3,373 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6859% | 3,803 |
| Return on assets (ROA) | 0.6859% | 3,862 |
| Pretax return on assets | 0.7959% | 3,898 |
| Return on Equity (ROE) | 5.5565% | 4,010 |
| Retained earnings to average equity (ytd only) | 5.5565% | 3,019 |
| Net charge-offs to loans | -0.0551% | 4,400 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4924% | 1,360 |
| Assets per employee ($millions) | 5.3210% | 3,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6453% | 224 |
| Loan loss allowance to noncurrent loans | 20,300.0000% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 4,251 |
| Noncurrent loans to loans | 0.0130% | 4,108 |
| Net loans and leases to total assets | 23.4010% | 4,751 |
| Net loans and leases to deposits | 26.6298% | 4,758 |
| Net loans and leases to core deposits | 27.3653% | 4,765 |
| Total domestic deposits to total assets | 87.8751% | 1,917 |
| Equity capital to assets | 11.9746% | 1,418 |
| Core capital (leverage) ratio | 12.0782% | 1,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $30,322,250 | 4,812 |
| Average earning assets | $28,600,500 | 4,793 |
| Average equity | $3,743,250 | 4,796 |
| Average total loans | $7,256,000 | 4,839 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8486% | 4,290 |
| Cost of funding earning assets | 0.3774% | 2,070 |
| Net interest margin | 2.4711% | 4,344 |
| Noninterest income to average assets | 0.5036% | 2,606 |
| Noninterest expense to average assets | 2.0814% | 3,447 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6378% | 3,902 |
| Return on assets (ROA) | 0.6378% | 3,963 |
| Pretax return on assets | 0.7520% | 3,966 |
| Return on Equity (ROE) | 5.1121% | 4,104 |
| Retained earnings to average equity (ytd only) | 5.1121% | 3,140 |
| Net charge-offs to loans | -0.0562% | 4,426 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4597% | 1,291 |
| Assets per employee ($millions) | 5.3075% | 3,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8990% | 168 |
| Loan loss allowance to noncurrent loans | 412.2449% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.1539% | 3,233 |
| Noncurrent loans to loans | 0.7032% | 1,676 |
| Net loans and leases to total assets | 21.2467% | 4,819 |
| Net loans and leases to deposits | 24.1350% | 4,831 |
| Net loans and leases to core deposits | 24.8002% | 4,830 |
| Total domestic deposits to total assets | 88.0327% | 1,801 |
| Equity capital to assets | 11.8135% | 1,455 |
| Core capital (leverage) ratio | 11.8194% | 1,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $29,787,667 | 4,849 |
| Average earning assets | $28,084,333 | 4,827 |
| Average equity | $3,716,667 | 4,826 |
| Average total loans | $7,116,667 | 4,878 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9311% | 4,212 |
| Cost of funding earning assets | 0.3997% | 2,098 |
| Net interest margin | 2.5314% | 4,258 |
| Noninterest income to average assets | 0.4034% | 3,072 |
| Noninterest expense to average assets | 2.0168% | 3,669 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7511% | 3,574 |
| Return on assets (ROA) | 0.7511% | 3,643 |
| Pretax return on assets | 0.7650% | 3,876 |
| Return on Equity (ROE) | 5.8473% | 3,900 |
| Retained earnings to average equity (ytd only) | 5.8473% | 2,946 |
| Net charge-offs to loans | -0.1113% | 4,670 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5000% | 1,447 |
| Assets per employee ($millions) | 5.0188% | 3,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8126% | 180 |
| Loan loss allowance to noncurrent loans | 1,553.8462% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.0432% | 4,070 |
| Noncurrent loans to loans | 0.1810% | 3,458 |
| Net loans and leases to total assets | 23.1794% | 4,821 |
| Net loans and leases to deposits | 26.5016% | 4,833 |
| Net loans and leases to core deposits | 27.2805% | 4,838 |
| Total domestic deposits to total assets | 87.4639% | 2,113 |
| Equity capital to assets | 12.3568% | 1,128 |
| Core capital (leverage) ratio | 12.4195% | 1,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $28,759,000 | 4,879 |
| Average earning assets | $27,020,500 | 4,860 |
| Average equity | $3,694,000 | 4,852 |
| Average total loans | $7,191,000 | 4,900 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4418% | 4,134 |
| Cost of funding earning assets | 0.5913% | 2,378 |
| Net interest margin | 2.8505% | 4,188 |
| Noninterest income to average assets | 0.4580% | 2,829 |
| Noninterest expense to average assets | 2.2343% | 3,578 |
| Loan and lease loss provision to assets | 0.1192% | 2,876 |
| Net operating income to assets | 0.5767% | 3,824 |
| Return on assets (ROA) | 0.6256% | 3,788 |
| Pretax return on assets | 0.7671% | 3,711 |
| Return on Equity (ROE) | 4.5595% | 4,010 |
| Retained earnings to average equity (ytd only) | 1.8455% | 3,892 |
| Net charge-offs to loans | 0.4483% | 370 |
| Credit loss provision to net charge-offs | 100.0000% | 2,816 |
| Earnings coverage of net charge-offs (x) | 6.9375% | 2,738 |
| Efficiency ratio | 72.9927% | 1,572 |
| Assets per employee ($millions) | 4.5675% | 3,849 |
| Cash dividends to net income (ytd only)* | 59.5238% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7778% | 191 |
| Loan loss allowance to noncurrent loans | 1,818.1818% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.0401% | 4,148 |
| Noncurrent loans to loans | 0.1528% | 3,675 |
| Net loans and leases to total assets | 25.5428% | 4,829 |
| Net loans and leases to deposits | 29.5533% | 4,838 |
| Net loans and leases to core deposits | 30.1906% | 4,851 |
| Total domestic deposits to total assets | 86.4295% | 2,177 |
| Equity capital to assets | 13.3808% | 972 |
| Core capital (leverage) ratio | 12.3327% | 1,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,854,200 | 4,893 |
| Average earning assets | $24,522,000 | 4,883 |
| Average equity | $3,684,600 | 4,864 |
| Average total loans | $7,137,800 | 4,929 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5886% | 4,041 |
| Cost of funding earning assets | 0.6375% | 2,392 |
| Net interest margin | 2.9511% | 4,086 |
| Noninterest income to average assets | 0.4242% | 2,965 |
| Noninterest expense to average assets | 2.1509% | 3,814 |
| Loan and lease loss provision to assets | 0.1310% | 2,712 |
| Net operating income to assets | 0.7959% | 3,109 |
| Return on assets (ROA) | 0.8733% | 2,932 |
| Pretax return on assets | 0.9033% | 3,374 |
| Return on Equity (ROE) | 6.3250% | 3,439 |
| Retained earnings to average equity (ytd only) | 4.5178% | 2,789 |
| Net charge-offs to loans | 0.4867% | 307 |
| Credit loss provision to net charge-offs | 100.0000% | 2,620 |
| Earnings coverage of net charge-offs (x) | 7.3462% | 2,583 |
| Efficiency ratio | 69.2926% | 1,991 |
| Assets per employee ($millions) | 4.9115% | 3,360 |
| Cash dividends to net income (ytd only)* | 28.5714% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7518% | 177 |
| Loan loss allowance to noncurrent loans | 1,666.6667% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.0407% | 4,246 |
| Noncurrent loans to loans | 0.1651% | 3,721 |
| Net loans and leases to total assets | 23.9845% | 4,895 |
| Net loans and leases to deposits | 27.5105% | 4,904 |
| Net loans and leases to core deposits | 28.3525% | 4,909 |
| Total domestic deposits to total assets | 87.1831% | 1,588 |
| Equity capital to assets | 12.6370% | 1,357 |
| Core capital (leverage) ratio | 13.7758% | 759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,716,500 | 4,928 |
| Average earning assets | $24,261,250 | 4,918 |
| Average equity | $3,689,000 | 4,888 |
| Average total loans | $7,122,250 | 4,962 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7344% | 4,014 |
| Cost of funding earning assets | 0.7018% | 2,371 |
| Net interest margin | 3.0326% | 4,050 |
| Noninterest income to average assets | 0.4264% | 2,928 |
| Noninterest expense to average assets | 2.2714% | 3,595 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.9690% | 2,428 |
| Return on assets (ROA) | 1.0931% | 2,112 |
| Pretax return on assets | 1.0931% | 2,727 |
| Return on Equity (ROE) | 7.6686% | 2,874 |
| Retained earnings to average equity (ytd only) | 7.6686% | 1,410 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0957% | 1,943 |
| Assets per employee ($millions) | 4.5728% | 3,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9253% | 144 |
| Loan loss allowance to noncurrent loans | 645.1613% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.1130% | 3,965 |
| Noncurrent loans to loans | 0.4534% | 2,789 |
| Net loans and leases to total assets | 24.1900% | 4,925 |
| Net loans and leases to deposits | 28.0705% | 4,939 |
| Net loans and leases to core deposits | 29.0028% | 4,941 |
| Total domestic deposits to total assets | 86.1756% | 1,932 |
| Equity capital to assets | 13.6312% | 948 |
| Core capital (leverage) ratio | 13.8508% | 785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.6772% | 202 |
| Memoranda: | ||
| Average total assets | $25,799,000 | 4,963 |
| Average earning assets | $23,939,667 | 4,953 |
| Average equity | $3,677,333 | 4,921 |
| Average total loans | $7,073,667 | 4,997 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9612% | 3,898 |
| Cost of funding earning assets | 0.7992% | 2,401 |
| Net interest margin | 3.1620% | 3,951 |
| Noninterest income to average assets | 0.5604% | 2,229 |
| Noninterest expense to average assets | 2.1777% | 4,066 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2970% | 1,250 |
| Return on assets (ROA) | 1.5052% | 845 |
| Pretax return on assets | 1.5052% | 1,291 |
| Return on Equity (ROE) | 10.3127% | 1,638 |
| Retained earnings to average equity (ytd only) | 10.3127% | 688 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6728% | 3,414 |
| Assets per employee ($millions) | 4.1585% | 3,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0048% | 148 |
| Loan loss allowance to noncurrent loans | 270.2703% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.2966% | 3,266 |
| Noncurrent loans to loans | 1.1118% | 1,491 |
| Net loans and leases to total assets | 25.8747% | 4,960 |
| Net loans and leases to deposits | 30.4571% | 4,970 |
| Net loans and leases to core deposits | 31.5898% | 4,971 |
| Total domestic deposits to total assets | 84.9545% | 2,431 |
| Equity capital to assets | 14.8010% | 802 |
| Core capital (leverage) ratio | 14.2499% | 849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.2053% | 165 |
| Memoranda: | ||
| Average total assets | $24,980,000 | 5,018 |
| Average earning assets | $23,023,500 | 5,006 |
| Average equity | $3,646,000 | 4,966 |
| Average total loans | $7,192,000 | 5,041 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8045% | 4,560 |
| Cost of funding earning assets | 0.7790% | 2,777 |
| Net interest margin | 3.0256% | 4,491 |
| Noninterest income to average assets | 0.4193% | 3,177 |
| Noninterest expense to average assets | 2.4233% | 3,627 |
| Loan and lease loss provision to assets | 0.1613% | 1,294 |
| Net operating income to assets | 0.5754% | 4,232 |
| Return on assets (ROA) | 0.5927% | 4,237 |
| Pretax return on assets | 0.6895% | 4,228 |
| Return on Equity (ROE) | 4.0845% | 4,441 |
| Retained earnings to average equity (ytd only) | 1.3059% | 4,273 |
| Net charge-offs to loans | 0.5240% | 352 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | 5.1500% | 3,125 |
| Efficiency ratio | 74.4734% | 1,553 |
| Assets per employee ($millions) | 4.1682% | 3,674 |
| Cash dividends to net income (ytd only)* | 68.0272% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5880% | 193 |
| Loan loss allowance to noncurrent loans | 1,666.6667% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.0480% | 4,394 |
| Noncurrent loans to loans | 0.1553% | 3,904 |
| Net loans and leases to total assets | 30.1012% | 4,967 |
| Net loans and leases to deposits | 35.2434% | 4,985 |
| Net loans and leases to core deposits | 35.6743% | 4,997 |
| Total domestic deposits to total assets | 85.4093% | 2,345 |
| Equity capital to assets | 14.3908% | 967 |
| Core capital (leverage) ratio | 14.6366% | 766 |
| Tier 1 risk-based capital ratio | 33.4853% | 374 |
| Total risk-based capital ratio | 34.7413% | 367 |
| Memoranda: | ||
| Average total assets | $24,801,400 | 5,077 |
| Average earning assets | $23,235,400 | 5,059 |
| Average equity | $3,599,000 | 5,025 |
| Average total loans | $7,633,400 | 5,096 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8084% | 4,668 |
| Cost of funding earning assets | 0.7893% | 2,767 |
| Net interest margin | 3.0191% | 4,599 |
| Noninterest income to average assets | 0.4148% | 3,229 |
| Noninterest expense to average assets | 2.3111% | 3,924 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7704% | 3,771 |
| Return on assets (ROA) | 0.7704% | 3,841 |
| Pretax return on assets | 0.9266% | 3,802 |
| Return on Equity (ROE) | 5.2976% | 4,241 |
| Retained earnings to average equity (ytd only) | 3.4454% | 3,689 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3810% | 1,912 |
| Assets per employee ($millions) | 4.0947% | 3,768 |
| Cash dividends to net income (ytd only)* | 34.9680% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3491% | 266 |
| Loan loss allowance to noncurrent loans | 2,857.1429% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0285% | 4,591 |
| Noncurrent loans to loans | 0.0822% | 4,274 |
| Net loans and leases to total assets | 33.8408% | 4,992 |
| Net loans and leases to deposits | 39.8791% | 4,998 |
| Net loans and leases to core deposits | 40.4043% | 5,026 |
| Total domestic deposits to total assets | 84.8584% | 2,473 |
| Equity capital to assets | 14.8364% | 893 |
| Core capital (leverage) ratio | 14.7088% | 814 |
| Tier 1 risk-based capital ratio | 32.0440% | 426 |
| Total risk-based capital ratio | 33.3011% | 417 |
| Memoranda: | ||
| Average total assets | $24,749,500 | 5,154 |
| Average earning assets | $23,141,000 | 5,135 |
| Average equity | $3,599,000 | 5,099 |
| Average total loans | $7,609,750 | 5,176 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7283% | 4,800 |
| Cost of funding earning assets | 0.7749% | 2,776 |
| Net interest margin | 2.9534% | 4,754 |
| Noninterest income to average assets | 0.3789% | 3,411 |
| Noninterest expense to average assets | 2.2410% | 4,147 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7497% | 3,830 |
| Return on assets (ROA) | 0.7497% | 3,898 |
| Pretax return on assets | 0.9029% | 3,837 |
| Return on Equity (ROE) | 5.1902% | 4,296 |
| Retained earnings to average equity (ytd only) | 2.3998% | 3,983 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2821% | 2,018 |
| Assets per employee ($millions) | 4.2545% | 3,493 |
| Cash dividends to net income (ytd only)* | 53.7634% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6257% | 189 |
| Loan loss allowance to noncurrent loans | 2,000.0000% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.0392% | 4,572 |
| Noncurrent loans to loans | 0.1313% | 4,090 |
| Net loans and leases to total assets | 29.0555% | 5,112 |
| Net loans and leases to deposits | 33.9140% | 5,128 |
| Net loans and leases to core deposits | 34.3348% | 5,140 |
| Total domestic deposits to total assets | 85.6740% | 2,188 |
| Equity capital to assets | 14.0831% | 1,091 |
| Core capital (leverage) ratio | 14.1955% | 907 |
| Tier 1 risk-based capital ratio | 34.1308% | 360 |
| Total risk-based capital ratio | 35.3935% | 355 |
| Memoranda: | ||
| Average total assets | $24,810,000 | 5,201 |
| Average earning assets | $23,227,670 | 5,184 |
| Average equity | $3,583,670 | 5,142 |
| Average total loans | $7,308,330 | 5,228 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7735% | 4,746 |
| Cost of funding earning assets | 0.7547% | 2,771 |
| Net interest margin | 3.0188% | 4,721 |
| Noninterest income to average assets | 0.3435% | 3,566 |
| Noninterest expense to average assets | 2.3066% | 4,005 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8507% | 3,449 |
| Return on assets (ROA) | 0.8507% | 3,493 |
| Pretax return on assets | 0.8507% | 3,918 |
| Return on Equity (ROE) | 5.8133% | 4,075 |
| Retained earnings to average equity (ytd only) | 5.8133% | 2,541 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0570% | 1,874 |
| Assets per employee ($millions) | 4.1027% | 3,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8249% | 160 |
| Loan loss allowance to noncurrent loans | 4,000.0000% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0203% | 4,760 |
| Noncurrent loans to loans | 0.0706% | 4,444 |
| Net loans and leases to total assets | 27.9493% | 5,180 |
| Net loans and leases to deposits | 32.8401% | 5,182 |
| Net loans and leases to core deposits | 33.2656% | 5,199 |
| Total domestic deposits to total assets | 85.1072% | 2,644 |
| Equity capital to assets | 14.6409% | 838 |
| Core capital (leverage) ratio | 14.4826% | 820 |
| Tier 1 risk-based capital ratio | 36.1702% | 299 |
| Total risk-based capital ratio | 37.4247% | 292 |
| Memoranda: | ||
| Average total assets | $24,451,500 | 5,262 |
| Average earning assets | $22,790,500 | 5,243 |
| Average equity | $3,578,000 | 5,195 |
| Average total loans | $7,154,000 | 5,291 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4347% | 4,979 |
| Cost of funding earning assets | 0.6164% | 2,610 |
| Net interest margin | 2.8183% | 5,006 |
| Noninterest income to average assets | 0.4328% | 3,221 |
| Noninterest expense to average assets | 2.1759% | 4,396 |
| Loan and lease loss provision to assets | -0.1271% | 5,290 |
| Net operating income to assets | 0.9331% | 3,313 |
| Return on assets (ROA) | 0.9331% | 3,306 |
| Pretax return on assets | 1.0165% | 3,552 |
| Return on Equity (ROE) | 6.6108% | 3,962 |
| Retained earnings to average equity (ytd only) | 2.3911% | 4,185 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9845% | 2,046 |
| Assets per employee ($millions) | 4.0478% | 3,831 |
| Cash dividends to net income (ytd only)* | 63.8298% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7670% | 173 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 28.9373% | 5,221 |
| Net loans and leases to deposits | 33.9944% | 5,224 |
| Net loans and leases to core deposits | 34.4392% | 5,241 |
| Total domestic deposits to total assets | 85.1237% | 2,597 |
| Equity capital to assets | 14.6251% | 803 |
| Core capital (leverage) ratio | 14.0356% | 913 |
| Tier 1 risk-based capital ratio | 35.7200% | 305 |
| Total risk-based capital ratio | 36.9771% | 302 |
| Memoranda: | ||
| Average total assets | $25,184,800 | 5,296 |
| Average earning assets | $23,524,800 | 5,279 |
| Average equity | $3,554,800 | 5,231 |
| Average total loans | $7,224,000 | 5,336 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3080% | 5,116 |
| Cost of funding earning assets | 0.5841% | 2,595 |
| Net interest margin | 2.7239% | 5,151 |
| Noninterest income to average assets | 0.4460% | 3,194 |
| Noninterest expense to average assets | 1.8523% | 4,976 |
| Loan and lease loss provision to assets | -0.1679% | 5,391 |
| Net operating income to assets | 1.1806% | 2,317 |
| Return on assets (ROA) | 1.1806% | 2,321 |
| Pretax return on assets | 1.3066% | 2,600 |
| Return on Equity (ROE) | 8.4374% | 3,358 |
| Retained earnings to average equity (ytd only) | 6.5625% | 2,357 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9298% | 3,517 |
| Assets per employee ($millions) | 4.2253% | 3,539 |
| Cash dividends to net income (ytd only)* | 22.2241% | 2,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6441% | 199 |
| Loan loss allowance to noncurrent loans | 3,333.3333% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0237% | 4,868 |
| Noncurrent loans to loans | 0.0793% | 4,524 |
| Net loans and leases to total assets | 29.0470% | 5,292 |
| Net loans and leases to deposits | 34.0044% | 5,301 |
| Net loans and leases to core deposits | 34.4386% | 5,317 |
| Total domestic deposits to total assets | 85.4213% | 2,445 |
| Equity capital to assets | 14.3657% | 861 |
| Core capital (leverage) ratio | 14.2511% | 872 |
| Tier 1 risk-based capital ratio | 35.3147% | 319 |
| Total risk-based capital ratio | 36.5752% | 317 |
| Memoranda: | ||
| Average total assets | $25,409,250 | 5,363 |
| Average earning assets | $23,739,750 | 5,343 |
| Average equity | $3,555,500 | 5,299 |
| Average total loans | $7,223,000 | 5,406 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2243% | 5,206 |
| Cost of funding earning assets | 0.5710% | 2,428 |
| Net interest margin | 2.6533% | 5,247 |
| Noninterest income to average assets | 0.4719% | 3,025 |
| Noninterest expense to average assets | 1.8955% | 4,966 |
| Loan and lease loss provision to assets | -0.2517% | 5,485 |
| Net operating income to assets | 1.1247% | 2,501 |
| Return on assets (ROA) | 1.1247% | 2,504 |
| Pretax return on assets | 1.3135% | 2,453 |
| Return on Equity (ROE) | 8.1096% | 3,455 |
| Retained earnings to average equity (ytd only) | 8.1096% | 1,579 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0957% | 3,306 |
| Assets per employee ($millions) | 4.4013% | 3,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8445% | 167 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 25.8672% | 5,386 |
| Net loans and leases to deposits | 30.0224% | 5,394 |
| Net loans and leases to core deposits | 30.3843% | 5,402 |
| Total domestic deposits to total assets | 86.1595% | 2,208 |
| Equity capital to assets | 13.6701% | 1,037 |
| Core capital (leverage) ratio | 14.0642% | 897 |
| Tier 1 risk-based capital ratio | 38.3471% | 261 |
| Total risk-based capital ratio | 39.6006% | 254 |
| Memoranda: | ||
| Average total assets | $25,428,330 | 5,425 |
| Average earning assets | $23,819,330 | 5,404 |
| Average equity | $3,526,670 | 5,366 |
| Average total loans | $7,109,330 | 5,469 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2583% | 5,186 |
| Cost of funding earning assets | 0.5689% | 2,259 |
| Net interest margin | 2.6894% | 5,263 |
| Noninterest income to average assets | 0.4010% | 3,460 |
| Noninterest expense to average assets | 1.9568% | 4,931 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5774% | 4,491 |
| Return on assets (ROA) | 0.5774% | 4,497 |
| Pretax return on assets | 0.9463% | 3,713 |
| Return on Equity (ROE) | 4.1320% | 4,736 |
| Retained earnings to average equity (ytd only) | 4.1320% | 3,548 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4033% | 2,930 |
| Assets per employee ($millions) | 4.1922% | 3,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2983% | 108 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 27.0425% | 5,422 |
| Net loans and leases to deposits | 31.4922% | 5,428 |
| Net loans and leases to core deposits | 31.8923% | 5,437 |
| Total domestic deposits to total assets | 85.8705% | 2,601 |
| Equity capital to assets | 13.9268% | 909 |
| Core capital (leverage) ratio | 13.7373% | 936 |
| Tier 1 risk-based capital ratio | 36.3910% | 297 |
| Total risk-based capital ratio | 37.6584% | 289 |
| Memoranda: | ||
| Average total assets | $24,938,500 | 5,490 |
| Average earning assets | $23,202,000 | 5,476 |
| Average equity | $3,485,000 | 5,424 |
| Average total loans | $7,148,500 | 5,531 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2008% | 5,188 |
| Cost of funding earning assets | 0.5090% | 2,258 |
| Net interest margin | 2.6917% | 5,281 |
| Noninterest income to average assets | 0.4186% | 3,512 |
| Noninterest expense to average assets | 2.0771% | 4,819 |
| Loan and lease loss provision to assets | 0.2254% | 871 |
| Net operating income to assets | 0.5127% | 4,345 |
| Return on assets (ROA) | 0.5193% | 4,363 |
| Pretax return on assets | 0.6360% | 4,664 |
| Return on Equity (ROE) | 3.7148% | 4,598 |
| Retained earnings to average equity (ytd only) | 0.8351% | 4,695 |
| Net charge-offs to loans | 0.4383% | 557 |
| Credit loss provision to net charge-offs | 169.6970% | 1,588 |
| Earnings coverage of net charge-offs (x) | 6.4242% | 3,180 |
| Efficiency ratio | 70.8791% | 2,418 |
| Assets per employee ($millions) | 4.1207% | 3,782 |
| Cash dividends to net income (ytd only)* | 77.5194% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1943% | 116 |
| Loan loss allowance to noncurrent loans | 7,733.3333% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0121% | 5,106 |
| Noncurrent loans to loans | 0.0413% | 4,819 |
| Net loans and leases to total assets | 28.4380% | 5,459 |
| Net loans and leases to deposits | 33.1416% | 5,476 |
| Net loans and leases to core deposits | 33.5609% | 5,492 |
| Total domestic deposits to total assets | 85.8073% | 2,531 |
| Equity capital to assets | 14.0228% | 901 |
| Core capital (leverage) ratio | 13.5287% | 953 |
| Tier 1 risk-based capital ratio | 36.8360% | 276 |
| Total risk-based capital ratio | 38.1003% | 273 |
| Memoranda: | ||
| Average total assets | $24,841,800 | 5,548 |
| Average earning assets | $23,182,000 | 5,529 |
| Average equity | $3,472,600 | 5,482 |
| Average total loans | $7,529,000 | 5,584 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1890% | 5,244 |
| Cost of funding earning assets | 0.5038% | 2,234 |
| Net interest margin | 2.6852% | 5,338 |
| Noninterest income to average assets | 0.4074% | 3,634 |
| Noninterest expense to average assets | 1.9299% | 5,092 |
| Loan and lease loss provision to assets | 0.3002% | 520 |
| Net operating income to assets | 0.4698% | 4,824 |
| Return on assets (ROA) | 0.4771% | 4,840 |
| Pretax return on assets | 0.7023% | 4,601 |
| Return on Equity (ROE) | 3.4157% | 5,007 |
| Retained earnings to average equity (ytd only) | 1.4968% | 4,820 |
| Net charge-offs to loans | 0.5793% | 341 |
| Credit loss provision to net charge-offs | 169.6970% | 1,534 |
| Earnings coverage of net charge-offs (x) | 5.6059% | 3,082 |
| Efficiency ratio | 66.0550% | 3,200 |
| Assets per employee ($millions) | 4.2220% | 3,605 |
| Cash dividends to net income (ytd only)* | 56.1857% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1996% | 131 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 27.7080% | 5,538 |
| Net loans and leases to deposits | 32.2253% | 5,559 |
| Net loans and leases to core deposits | 32.6298% | 5,572 |
| Total domestic deposits to total assets | 85.9822% | 2,323 |
| Equity capital to assets | 13.7257% | 1,065 |
| Core capital (leverage) ratio | 13.6530% | 976 |
| Tier 1 risk-based capital ratio | 37.0999% | 279 |
| Total risk-based capital ratio | 38.3696% | 273 |
| Memoranda: | ||
| Average total assets | $24,871,250 | 5,607 |
| Average earning assets | $23,287,500 | 5,591 |
| Average equity | $3,474,000 | 5,547 |
| Average total loans | $7,595,500 | 5,646 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1713% | 5,276 |
| Cost of funding earning assets | 0.4925% | 2,234 |
| Net interest margin | 2.6787% | 5,381 |
| Noninterest income to average assets | 0.4046% | 3,663 |
| Noninterest expense to average assets | 1.9905% | 4,992 |
| Loan and lease loss provision to assets | 0.4531% | 267 |
| Net operating income to assets | 0.3128% | 5,191 |
| Return on assets (ROA) | 0.3237% | 5,184 |
| Pretax return on assets | 0.4855% | 5,029 |
| Return on Equity (ROE) | 2.3035% | 5,286 |
| Retained earnings to average equity (ytd only) | 2.3035% | 4,299 |
| Net charge-offs to loans | 0.8560% | 227 |
| Credit loss provision to net charge-offs | 169.6970% | 1,408 |
| Earnings coverage of net charge-offs (x) | 3.4545% | 3,047 |
| Efficiency ratio | 68.3333% | 2,951 |
| Assets per employee ($millions) | 4.3182% | 3,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2298% | 129 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 26.8285% | 5,590 |
| Net loans and leases to deposits | 31.0812% | 5,617 |
| Net loans and leases to core deposits | 31.4596% | 5,632 |
| Total domestic deposits to total assets | 86.3175% | 2,234 |
| Equity capital to assets | 13.4239% | 1,177 |
| Core capital (leverage) ratio | 13.6864% | 943 |
| Tier 1 risk-based capital ratio | 28.3756% | 531 |
| Total risk-based capital ratio | 29.6320% | 522 |
| Memoranda: | ||
| Average total assets | $24,717,670 | 5,657 |
| Average earning assets | $23,145,330 | 5,638 |
| Average equity | $3,473,000 | 5,590 |
| Average total loans | $7,710,330 | 5,695 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2905% | 5,121 |
| Cost of funding earning assets | 0.4751% | 2,307 |
| Net interest margin | 2.8154% | 5,217 |
| Noninterest income to average assets | 0.3980% | 3,674 |
| Noninterest expense to average assets | 2.0894% | 4,876 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0779% | 1,952 |
| Return on assets (ROA) | 1.0779% | 1,999 |
| Pretax return on assets | 0.9618% | 3,538 |
| Return on Equity (ROE) | 7.4917% | 3,170 |
| Retained earnings to average equity (ytd only) | 7.4917% | 1,658 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4783% | 3,128 |
| Assets per employee ($millions) | 4.0828% | 3,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9149% | 193 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 28.4157% | 5,622 |
| Net loans and leases to deposits | 33.2696% | 5,630 |
| Net loans and leases to core deposits | 33.7029% | 5,656 |
| Total domestic deposits to total assets | 85.4105% | 2,919 |
| Equity capital to assets | 14.2997% | 817 |
| Core capital (leverage) ratio | 14.0621% | 829 |
| Tier 1 risk-based capital ratio | 29.3630% | 503 |
| Total risk-based capital ratio | 30.6203% | 501 |
| Memoranda: | ||
| Average total assets | $24,122,000 | 5,735 |
| Average earning assets | $22,732,000 | 5,709 |
| Average equity | $3,470,500 | 5,649 |
| Average total loans | $7,974,000 | 5,755 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5034% | 4,768 |
| Cost of funding earning assets | 0.4363% | 2,641 |
| Net interest margin | 3.0671% | 4,808 |
| Noninterest income to average assets | 0.4275% | 3,695 |
| Noninterest expense to average assets | 2.1454% | 4,908 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7508% | 3,531 |
| Return on assets (ROA) | 0.7857% | 3,475 |
| Pretax return on assets | 1.1969% | 2,689 |
| Return on Equity (ROE) | 5.5215% | 4,202 |
| Retained earnings to average equity (ytd only) | 1.2302% | 4,796 |
| Net charge-offs to loans | -0.0992% | 5,592 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2228% | 3,725 |
| Assets per employee ($millions) | 3.9578% | 4,049 |
| Cash dividends to net income (ytd only)* | 77.7202% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3810% | 364 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 36.0846% | 5,484 |
| Net loans and leases to deposits | 42.3767% | 5,482 |
| Net loans and leases to core deposits | 42.9330% | 5,523 |
| Total domestic deposits to total assets | 85.1518% | 2,978 |
| Equity capital to assets | 14.4776% | 739 |
| Core capital (leverage) ratio | 13.6885% | 900 |
| Tier 1 risk-based capital ratio | 26.2764% | 674 |
| Total risk-based capital ratio | 27.5298% | 653 |
| Memoranda: | ||
| Average total assets | $24,564,200 | 5,780 |
| Average earning assets | $22,920,800 | 5,761 |
| Average equity | $3,495,400 | 5,700 |
| Average total loans | $9,074,800 | 5,785 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4828% | 4,857 |
| Cost of funding earning assets | 0.4281% | 2,752 |
| Net interest margin | 3.0546% | 4,890 |
| Noninterest income to average assets | 0.4145% | 3,819 |
| Noninterest expense to average assets | 1.8679% | 5,434 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1222% | 1,906 |
| Return on assets (ROA) | 1.1789% | 1,811 |
| Pretax return on assets | 1.4588% | 1,859 |
| Return on Equity (ROE) | 8.3194% | 2,845 |
| Retained earnings to average equity (ytd only) | 8.3194% | 1,039 |
| Net charge-offs to loans | -0.1312% | 5,661 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3554% | 4,915 |
| Assets per employee ($millions) | 4.0660% | 3,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3357% | 415 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 35.8214% | 5,559 |
| Net loans and leases to deposits | 42.2174% | 5,574 |
| Net loans and leases to core deposits | 42.7711% | 5,619 |
| Total domestic deposits to total assets | 84.8500% | 2,873 |
| Equity capital to assets | 14.8139% | 785 |
| Core capital (leverage) ratio | 14.5885% | 703 |
| Tier 1 risk-based capital ratio | 27.0549% | 636 |
| Total risk-based capital ratio | 28.3201% | 621 |
| Memoranda: | ||
| Average total assets | $24,768,500 | 5,840 |
| Average earning assets | $23,046,250 | 5,820 |
| Average equity | $3,509,750 | 5,757 |
| Average total loans | $9,149,000 | 5,848 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4788% | 4,924 |
| Cost of funding earning assets | 0.4240% | 2,792 |
| Net interest margin | 3.0547% | 4,966 |
| Noninterest income to average assets | 0.4017% | 3,859 |
| Noninterest expense to average assets | 1.9283% | 5,406 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1084% | 1,929 |
| Return on assets (ROA) | 1.1971% | 1,704 |
| Pretax return on assets | 1.4141% | 1,973 |
| Return on Equity (ROE) | 8.5755% | 2,711 |
| Retained earnings to average equity (ytd only) | 8.5755% | 985 |
| Net charge-offs to loans | -0.1736% | 5,784 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5533% | 4,699 |
| Assets per employee ($millions) | 4.1925% | 3,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3468% | 435 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 34.4067% | 5,662 |
| Net loans and leases to deposits | 40.1885% | 5,685 |
| Net loans and leases to core deposits | 40.6930% | 5,722 |
| Total domestic deposits to total assets | 85.6132% | 2,602 |
| Equity capital to assets | 14.0887% | 990 |
| Core capital (leverage) ratio | 14.0046% | 822 |
| Tier 1 risk-based capital ratio | 26.4261% | 697 |
| Total risk-based capital ratio | 27.6862% | 676 |
| Memoranda: | ||
| Average total assets | $24,892,670 | 5,911 |
| Average earning assets | $23,111,670 | 5,890 |
| Average equity | $3,475,000 | 5,833 |
| Average total loans | $9,216,000 | 5,919 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5262% | 4,826 |
| Cost of funding earning assets | 0.4364% | 2,711 |
| Net interest margin | 3.0897% | 4,890 |
| Noninterest income to average assets | 0.4039% | 3,801 |
| Noninterest expense to average assets | 1.9870% | 5,370 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2621% | 1,369 |
| Return on assets (ROA) | 1.4700% | 946 |
| Pretax return on assets | 1.4862% | 1,638 |
| Return on Equity (ROE) | 10.5799% | 1,751 |
| Retained earnings to average equity (ytd only) | 10.5799% | 722 |
| Net charge-offs to loans | -0.3407% | 5,951 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8911% | 4,616 |
| Assets per employee ($millions) | 4.1447% | 3,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3085% | 503 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 35.3949% | 5,661 |
| Net loans and leases to deposits | 41.3220% | 5,669 |
| Net loans and leases to core deposits | 41.8465% | 5,720 |
| Total domestic deposits to total assets | 85.6563% | 2,830 |
| Equity capital to assets | 14.0180% | 976 |
| Core capital (leverage) ratio | 13.7066% | 906 |
| Tier 1 risk-based capital ratio | 25.8127% | 749 |
| Total risk-based capital ratio | 27.0641% | 737 |
| Memoranda: | ||
| Average total assets | $24,761,500 | 5,973 |
| Average earning assets | $22,914,500 | 5,951 |
| Average equity | $3,440,500 | 5,891 |
| Average total loans | $9,392,500 | 5,973 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5805% | 4,722 |
| Cost of funding earning assets | 0.4182% | 2,964 |
| Net interest margin | 3.1623% | 4,746 |
| Noninterest income to average assets | 0.3608% | 4,318 |
| Noninterest expense to average assets | 2.0180% | 5,423 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9664% | 2,544 |
| Return on assets (ROA) | 1.0942% | 2,022 |
| Pretax return on assets | 1.4510% | 1,718 |
| Return on Equity (ROE) | 8.3188% | 2,793 |
| Retained earnings to average equity (ytd only) | 5.3047% | 2,210 |
| Net charge-offs to loans | 0.0718% | 2,808 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 46.1429% | 1,060 |
| Efficiency ratio | 61.1779% | 4,737 |
| Assets per employee ($millions) | 4.1092% | 3,739 |
| Cash dividends to net income (ytd only)* | 36.2319% | 3,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0460% | 749 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 38.8359% | 5,586 |
| Net loans and leases to deposits | 45.1949% | 5,605 |
| Net loans and leases to core deposits | 45.7587% | 5,660 |
| Total domestic deposits to total assets | 85.9298% | 2,671 |
| Equity capital to assets | 13.7700% | 1,013 |
| Core capital (leverage) ratio | 13.3378% | 1,024 |
| Tier 1 risk-based capital ratio | 24.1088% | 913 |
| Total risk-based capital ratio | 25.3586% | 895 |
| Memoranda: | ||
| Average total assets | $25,223,600 | 6,023 |
| Average earning assets | $23,432,200 | 6,005 |
| Average equity | $3,317,800 | 5,953 |
| Average total loans | $9,746,400 | 6,019 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5600% | 4,843 |
| Cost of funding earning assets | 0.4119% | 3,100 |
| Net interest margin | 3.1482% | 4,822 |
| Noninterest income to average assets | 0.3679% | 4,297 |
| Noninterest expense to average assets | 2.0342% | 5,414 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8985% | 2,967 |
| Return on assets (ROA) | 0.9619% | 2,746 |
| Pretax return on assets | 1.3561% | 2,192 |
| Return on Equity (ROE) | 7.3970% | 3,404 |
| Retained earnings to average equity (ytd only) | 5.3761% | 2,658 |
| Net charge-offs to loans | 0.1232% | 1,892 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 26.7775% | 1,603 |
| Efficiency ratio | 61.6242% | 4,622 |
| Assets per employee ($millions) | 4.1528% | 3,613 |
| Cash dividends to net income (ytd only)* | 27.3249% | 2,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0726% | 819 |
| Loan loss allowance to noncurrent loans | 6,600.0000% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0120% | 5,755 |
| Noncurrent loans to loans | 0.0314% | 5,493 |
| Net loans and leases to total assets | 37.5446% | 5,724 |
| Net loans and leases to deposits | 43.5643% | 5,737 |
| Net loans and leases to core deposits | 44.1107% | 5,791 |
| Total domestic deposits to total assets | 86.1821% | 2,451 |
| Equity capital to assets | 13.4527% | 1,249 |
| Core capital (leverage) ratio | 13.3877% | 1,061 |
| Tier 1 risk-based capital ratio | 26.0451% | 760 |
| Total risk-based capital ratio | 27.2960% | 744 |
| Memoranda: | ||
| Average total assets | $25,365,750 | 6,107 |
| Average earning assets | $23,632,250 | 6,084 |
| Average equity | $3,298,500 | 6,034 |
| Average total loans | $9,739,250 | 6,101 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5710% | 4,801 |
| Cost of funding earning assets | 0.4127% | 3,128 |
| Net interest margin | 3.1583% | 4,797 |
| Noninterest income to average assets | 0.3606% | 4,362 |
| Noninterest expense to average assets | 2.0380% | 5,459 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9074% | 2,832 |
| Return on assets (ROA) | 1.0033% | 2,478 |
| Pretax return on assets | 1.3952% | 2,000 |
| Return on Equity (ROE) | 7.8033% | 3,164 |
| Retained earnings to average equity (ytd only) | 4.7551% | 3,021 |
| Net charge-offs to loans | 0.0204% | 3,274 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 161.0000% | 411 |
| Efficiency ratio | 61.7577% | 4,712 |
| Assets per employee ($millions) | 4.2270% | 3,418 |
| Cash dividends to net income (ytd only)* | 39.0625% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1769% | 763 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 36.4995% | 5,793 |
| Net loans and leases to deposits | 42.1136% | 5,830 |
| Net loans and leases to core deposits | 42.6276% | 5,879 |
| Total domestic deposits to total assets | 86.6690% | 2,334 |
| Equity capital to assets | 12.9998% | 1,405 |
| Core capital (leverage) ratio | 12.7920% | 1,257 |
| Tier 1 risk-based capital ratio | 25.8123% | 792 |
| Total risk-based capital ratio | 27.0649% | 778 |
| Memoranda: | ||
| Average total assets | $25,515,330 | 6,181 |
| Average earning assets | $23,746,670 | 6,150 |
| Average equity | $3,280,670 | 6,095 |
| Average total loans | $9,801,330 | 6,170 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6019% | 4,686 |
| Cost of funding earning assets | 0.4039% | 3,260 |
| Net interest margin | 3.1979% | 4,622 |
| Noninterest income to average assets | 0.3751% | 4,200 |
| Noninterest expense to average assets | 1.8287% | 5,856 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5161% | 819 |
| Return on assets (ROA) | 1.6724% | 660 |
| Pretax return on assets | 1.6724% | 1,109 |
| Return on Equity (ROE) | 13.0787% | 1,070 |
| Retained earnings to average equity (ytd only) | 13.0787% | 437 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6729% | 5,621 |
| Assets per employee ($millions) | 4.3337% | 3,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1194% | 899 |
| Loan loss allowance to noncurrent loans | 20,700.0000% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 5,955 |
| Noncurrent loans to loans | 0.0102% | 5,764 |
| Net loans and leases to total assets | 36.7664% | 5,793 |
| Net loans and leases to deposits | 42.3290% | 5,817 |
| Net loans and leases to core deposits | 42.8315% | 5,872 |
| Total domestic deposits to total assets | 86.8587% | 2,448 |
| Equity capital to assets | 12.7913% | 1,515 |
| Core capital (leverage) ratio | 12.8531% | 1,214 |
| Tier 1 risk-based capital ratio | 25.3352% | 850 |
| Total risk-based capital ratio | 26.5920% | 834 |
| Memoranda: | ||
| Average total assets | $25,592,000 | 6,247 |
| Average earning assets | $23,765,500 | 6,218 |
| Average equity | $3,272,500 | 6,159 |
| Average total loans | $9,970,500 | 6,232 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6196% | 5,028 |
| Cost of funding earning assets | 0.4291% | 3,391 |
| Net interest margin | 3.1905% | 4,955 |
| Noninterest income to average assets | 0.4041% | 4,154 |
| Noninterest expense to average assets | 1.9611% | 5,838 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0182% | 2,304 |
| Return on assets (ROA) | 1.0182% | 2,379 |
| Pretax return on assets | 1.4183% | 1,823 |
| Return on Equity (ROE) | 8.0484% | 3,112 |
| Retained earnings to average equity (ytd only) | 4.9167% | 2,662 |
| Net charge-offs to loans | -0.0598% | 5,985 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0305% | 5,453 |
| Assets per employee ($millions) | 4.1970% | 3,550 |
| Cash dividends to net income (ytd only)* | 38.9105% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0346% | 1,049 |
| Loan loss allowance to noncurrent loans | 5,175.0000% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 5,989 |
| Noncurrent loans to loans | 0.0393% | 5,716 |
| Net loans and leases to total assets | 39.5799% | 5,774 |
| Net loans and leases to deposits | 45.5530% | 5,814 |
| Net loans and leases to core deposits | 46.1051% | 5,888 |
| Total domestic deposits to total assets | 86.8875% | 2,337 |
| Equity capital to assets | 12.7829% | 1,478 |
| Core capital (leverage) ratio | 12.7062% | 1,250 |
| Tier 1 risk-based capital ratio | 24.2541% | 920 |
| Total risk-based capital ratio | 25.3617% | 919 |
| Memoranda: | ||
| Average total assets | $25,240,600 | 6,336 |
| Average earning assets | $23,538,800 | 6,305 |
| Average equity | $3,193,200 | 6,230 |
| Average total loans | $10,025,800 | 6,314 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6204% | 5,092 |
| Cost of funding earning assets | 0.4249% | 3,523 |
| Net interest margin | 3.1955% | 4,983 |
| Noninterest income to average assets | 0.4065% | 4,199 |
| Noninterest expense to average assets | 1.7422% | 6,165 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3145% | 1,329 |
| Return on assets (ROA) | 1.3145% | 1,385 |
| Pretax return on assets | 1.6418% | 1,204 |
| Return on Equity (ROE) | 10.4178% | 2,029 |
| Retained earnings to average equity (ytd only) | 10.4178% | 613 |
| Net charge-offs to loans | -0.0133% | 5,499 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4821% | 6,027 |
| Assets per employee ($millions) | 4.0538% | 3,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9427% | 1,366 |
| Loan loss allowance to noncurrent loans | 4,040.0000% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.0206% | 6,086 |
| Noncurrent loans to loans | 0.0481% | 5,820 |
| Net loans and leases to total assets | 41.9192% | 5,680 |
| Net loans and leases to deposits | 48.7171% | 5,722 |
| Net loans and leases to core deposits | 49.3466% | 5,821 |
| Total domestic deposits to total assets | 86.0461% | 2,826 |
| Equity capital to assets | 13.6126% | 1,140 |
| Core capital (leverage) ratio | 13.3143% | 1,055 |
| Tier 1 risk-based capital ratio | 24.9322% | 887 |
| Total risk-based capital ratio | 26.0166% | 888 |
| Memoranda: | ||
| Average total assets | $25,255,250 | 6,412 |
| Average earning assets | $23,532,500 | 6,379 |
| Average equity | $3,186,750 | 6,303 |
| Average total loans | $9,988,750 | 6,386 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5015% | 5,405 |
| Cost of funding earning assets | 0.4262% | 3,591 |
| Net interest margin | 3.0753% | 5,331 |
| Noninterest income to average assets | 0.3911% | 4,301 |
| Noninterest expense to average assets | 1.6741% | 6,294 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2830% | 1,360 |
| Return on assets (ROA) | 1.2830% | 1,414 |
| Pretax return on assets | 1.5959% | 1,259 |
| Return on Equity (ROE) | 10.4282% | 1,966 |
| Retained earnings to average equity (ytd only) | 10.4282% | 627 |
| Net charge-offs to loans | 0.0406% | 3,419 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 102.0000% | 551 |
| Efficiency ratio | 51.1962% | 6,115 |
| Assets per employee ($millions) | 4.3920% | 3,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0238% | 1,319 |
| Loan loss allowance to noncurrent loans | 1,990.0000% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.0379% | 6,094 |
| Noncurrent loans to loans | 0.1017% | 5,713 |
| Net loans and leases to total assets | 36.5589% | 6,028 |
| Net loans and leases to deposits | 41.7979% | 6,075 |
| Net loans and leases to core deposits | 42.2859% | 6,137 |
| Total domestic deposits to total assets | 87.4658% | 2,210 |
| Equity capital to assets | 12.2420% | 1,818 |
| Core capital (leverage) ratio | 12.1823% | 1,557 |
| Tier 1 risk-based capital ratio | 23.7276% | 1,018 |
| Total risk-based capital ratio | 24.7793% | 1,026 |
| Memoranda: | ||
| Average total assets | $25,566,000 | 6,473 |
| Average earning assets | $23,932,330 | 6,436 |
| Average equity | $3,145,330 | 6,359 |
| Average total loans | $9,852,330 | 6,454 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5391% | 5,331 |
| Cost of funding earning assets | 0.4254% | 3,695 |
| Net interest margin | 3.1137% | 5,200 |
| Noninterest income to average assets | 0.3973% | 4,210 |
| Noninterest expense to average assets | 1.6685% | 6,373 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3665% | 1,064 |
| Return on assets (ROA) | 1.3665% | 1,108 |
| Pretax return on assets | 1.6367% | 1,094 |
| Return on Equity (ROE) | 11.0789% | 1,659 |
| Retained earnings to average equity (ytd only) | 11.0789% | 728 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4808% | 6,228 |
| Assets per employee ($millions) | 4.3527% | 3,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0605% | 1,393 |
| Loan loss allowance to noncurrent loans | 1,827.2727% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 6,163 |
| Noncurrent loans to loans | 0.1128% | 5,787 |
| Net loans and leases to total assets | 36.5829% | 6,039 |
| Net loans and leases to deposits | 41.7771% | 6,087 |
| Net loans and leases to core deposits | 42.2687% | 6,149 |
| Total domestic deposits to total assets | 87.5670% | 2,477 |
| Equity capital to assets | 12.0539% | 1,834 |
| Core capital (leverage) ratio | 11.8315% | 1,743 |
| Tier 1 risk-based capital ratio | 23.9848% | 1,002 |
| Total risk-based capital ratio | 25.0819% | 1,008 |
| Memoranda: | ||
| Average total assets | $25,173,000 | 6,546 |
| Average earning assets | $23,509,000 | 6,512 |
| Average equity | $3,105,000 | 6,426 |
| Average total loans | $9,862,000 | 6,523 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4885% | 5,666 |
| Cost of funding earning assets | 0.4953% | 3,660 |
| Net interest margin | 2.9933% | 5,592 |
| Noninterest income to average assets | 0.4396% | 4,164 |
| Noninterest expense to average assets | 1.9401% | 6,124 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8712% | 2,921 |
| Return on assets (ROA) | 0.8712% | 3,008 |
| Pretax return on assets | 1.2786% | 2,239 |
| Return on Equity (ROE) | 7.1809% | 3,463 |
| Retained earnings to average equity (ytd only) | 3.8564% | 3,457 |
| Net charge-offs to loans | -0.0211% | 6,153 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2757% | 5,433 |
| Assets per employee ($millions) | 4.0383% | 3,786 |
| Cash dividends to net income (ytd only)* | 46.2963% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0263% | 1,495 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 40.3095% | 5,938 |
| Net loans and leases to deposits | 46.3001% | 5,987 |
| Net loans and leases to core deposits | 46.8666% | 6,103 |
| Total domestic deposits to total assets | 87.0615% | 2,692 |
| Equity capital to assets | 12.6372% | 1,448 |
| Core capital (leverage) ratio | 12.2080% | 1,491 |
| Tier 1 risk-based capital ratio | 23.7015% | 987 |
| Total risk-based capital ratio | 24.8162% | 993 |
| Memoranda: | ||
| Average total assets | $24,792,800 | 6,626 |
| Average earning assets | $23,018,200 | 6,597 |
| Average equity | $3,008,000 | 6,531 |
| Average total loans | $9,473,800 | 6,611 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4173% | 5,852 |
| Cost of funding earning assets | 0.5014% | 3,755 |
| Net interest margin | 2.9160% | 5,773 |
| Noninterest income to average assets | 0.4011% | 4,529 |
| Noninterest expense to average assets | 1.8342% | 6,295 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9519% | 2,587 |
| Return on assets (ROA) | 0.9519% | 2,688 |
| Pretax return on assets | 1.2727% | 2,441 |
| Return on Equity (ROE) | 7.9255% | 3,157 |
| Retained earnings to average equity (ytd only) | 5.6991% | 2,599 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0361% | 5,549 |
| Assets per employee ($millions) | 4.0638% | 3,712 |
| Cash dividends to net income (ytd only)* | 28.0917% | 2,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9457% | 1,865 |
| Loan loss allowance to noncurrent loans | 3,333.3333% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0246% | 6,407 |
| Noncurrent loans to loans | 0.0584% | 6,169 |
| Net loans and leases to total assets | 41.3362% | 5,946 |
| Net loans and leases to deposits | 47.4619% | 5,999 |
| Net loans and leases to core deposits | 48.0502% | 6,121 |
| Total domestic deposits to total assets | 87.0935% | 2,640 |
| Equity capital to assets | 12.6071% | 1,522 |
| Core capital (leverage) ratio | 12.5041% | 1,423 |
| Tier 1 risk-based capital ratio | 23.2914% | 1,097 |
| Total risk-based capital ratio | 24.3749% | 1,108 |
| Memoranda: | ||
| Average total assets | $24,933,500 | 6,698 |
| Average earning assets | $23,136,500 | 6,669 |
| Average equity | $2,994,500 | 6,608 |
| Average total loans | $9,350,000 | 6,687 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3447% | 6,010 |
| Cost of funding earning assets | 0.5146% | 3,760 |
| Net interest margin | 2.8301% | 5,945 |
| Noninterest income to average assets | 0.3822% | 4,654 |
| Noninterest expense to average assets | 1.9748% | 6,087 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7326% | 3,659 |
| Return on assets (ROA) | 0.7326% | 3,818 |
| Pretax return on assets | 1.0352% | 3,350 |
| Return on Equity (ROE) | 6.1995% | 4,048 |
| Retained earnings to average equity (ytd only) | 2.8302% | 4,515 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6085% | 4,617 |
| Assets per employee ($millions) | 4.2017% | 3,353 |
| Cash dividends to net income (ytd only)* | 54.3478% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1798% | 1,464 |
| Loan loss allowance to noncurrent loans | 2,857.1429% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0278% | 6,452 |
| Noncurrent loans to loans | 0.0763% | 6,166 |
| Net loans and leases to total assets | 35.6010% | 6,323 |
| Net loans and leases to deposits | 40.5100% | 6,388 |
| Net loans and leases to core deposits | 40.9892% | 6,435 |
| Total domestic deposits to total assets | 87.8818% | 2,328 |
| Equity capital to assets | 11.8524% | 2,006 |
| Core capital (leverage) ratio | 11.8313% | 1,709 |
| Tier 1 risk-based capital ratio | 23.9423% | 1,004 |
| Total risk-based capital ratio | 25.0881% | 1,004 |
| Memoranda: | ||
| Average total assets | $25,117,000 | 6,745 |
| Average earning assets | $23,320,330 | 6,713 |
| Average equity | $2,968,000 | 6,662 |
| Average total loans | $9,040,330 | 6,739 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3170% | 6,124 |
| Cost of funding earning assets | 0.5471% | 3,599 |
| Net interest margin | 2.7699% | 6,092 |
| Noninterest income to average assets | 0.3670% | 4,739 |
| Noninterest expense to average assets | 2.3454% | 5,283 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3829% | 5,198 |
| Return on assets (ROA) | 0.3829% | 5,342 |
| Pretax return on assets | 0.6063% | 4,922 |
| Return on Equity (ROE) | 3.2454% | 5,468 |
| Retained earnings to average equity (ytd only) | 3.2454% | 4,304 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4595% | 2,406 |
| Assets per employee ($millions) | 4.1852% | 3,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3041% | 1,405 |
| Loan loss allowance to noncurrent loans | 6,666.6667% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0119% | 6,587 |
| Noncurrent loans to loans | 0.0346% | 6,389 |
| Net loans and leases to total assets | 33.7701% | 6,430 |
| Net loans and leases to deposits | 38.4336% | 6,489 |
| Net loans and leases to core deposits | 38.8902% | 6,528 |
| Total domestic deposits to total assets | 87.8659% | 2,404 |
| Equity capital to assets | 11.8275% | 2,153 |
| Core capital (leverage) ratio | 11.4943% | 1,888 |
| Tier 1 risk-based capital ratio | 24.8556% | 907 |
| Total risk-based capital ratio | 26.0524% | 901 |
| Memoranda: | ||
| Average total assets | $25,070,500 | 6,815 |
| Average earning assets | $23,394,500 | 6,779 |
| Average equity | $2,958,000 | 6,735 |
| Average total loans | $8,973,000 | 6,811 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7041% | 6,044 |
| Cost of funding earning assets | 0.6967% | 3,517 |
| Net interest margin | 3.0073% | 6,040 |
| Noninterest income to average assets | 0.3976% | 4,631 |
| Noninterest expense to average assets | 1.9028% | 6,489 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8845% | 2,893 |
| Return on assets (ROA) | 0.8845% | 3,137 |
| Pretax return on assets | 1.2618% | 2,559 |
| Return on Equity (ROE) | 7.5328% | 3,321 |
| Retained earnings to average equity (ytd only) | 4.0774% | 3,346 |
| Net charge-offs to loans | -0.0650% | 6,750 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1282% | 5,520 |
| Assets per employee ($millions) | 4.1717% | 3,607 |
| Cash dividends to net income (ytd only)* | 45.8716% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1584% | 1,631 |
| Loan loss allowance to noncurrent loans | 6,666.6667% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.0120% | 6,656 |
| Noncurrent loans to loans | 0.0324% | 6,429 |
| Net loans and leases to total assets | 36.2205% | 6,419 |
| Net loans and leases to deposits | 41.2147% | 6,488 |
| Net loans and leases to core deposits | 41.2147% | 6,571 |
| Total domestic deposits to total assets | 87.8825% | 2,301 |
| Equity capital to assets | 11.7699% | 2,207 |
| Core capital (leverage) ratio | 11.5407% | 1,848 |
| Tier 1 risk-based capital ratio | 23.5153% | 1,033 |
| Total risk-based capital ratio | 24.6568% | 1,029 |
| Memoranda: | ||
| Average total assets | $24,647,400 | 6,878 |
| Average earning assets | $22,677,800 | 6,848 |
| Average equity | $2,894,000 | 6,807 |
| Average total loans | $9,234,000 | 6,871 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7407% | 6,149 |
| Cost of funding earning assets | 0.7221% | 3,578 |
| Net interest margin | 3.0185% | 6,132 |
| Noninterest income to average assets | 0.4073% | 4,579 |
| Noninterest expense to average assets | 1.8030% | 6,682 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8200% | 3,344 |
| Return on assets (ROA) | 0.8200% | 3,592 |
| Pretax return on assets | 1.3740% | 2,329 |
| Return on Equity (ROE) | 6.9882% | 3,824 |
| Retained earnings to average equity (ytd only) | 6.9882% | 2,138 |
| Net charge-offs to loans | -0.0578% | 6,742 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7521% | 5,955 |
| Assets per employee ($millions) | 4.0552% | 3,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9938% | 2,184 |
| Loan loss allowance to noncurrent loans | 733.3333% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.1110% | 6,448 |
| Noncurrent loans to loans | 0.2719% | 5,944 |
| Net loans and leases to total assets | 40.0025% | 6,283 |
| Net loans and leases to deposits | 45.8369% | 6,396 |
| Net loans and leases to core deposits | 46.3874% | 6,497 |
| Total domestic deposits to total assets | 87.2714% | 2,515 |
| Equity capital to assets | 12.2436% | 2,078 |
| Core capital (leverage) ratio | 12.1801% | 1,543 |
| Tier 1 risk-based capital ratio | 23.0930% | 1,160 |
| Total risk-based capital ratio | 24.1938% | 1,157 |
| Memoranda: | ||
| Average total assets | $24,551,750 | 6,969 |
| Average earning assets | $22,526,750 | 6,939 |
| Average equity | $2,881,000 | 6,896 |
| Average total loans | $9,226,000 | 6,965 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6399% | 6,437 |
| Cost of funding earning assets | 0.7528% | 3,583 |
| Net interest margin | 2.8871% | 6,445 |
| Noninterest income to average assets | 0.3980% | 4,669 |
| Noninterest expense to average assets | 1.9573% | 6,503 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4711% | 4,945 |
| Return on assets (ROA) | 0.4711% | 5,195 |
| Pretax return on assets | 1.0883% | 3,347 |
| Return on Equity (ROE) | 4.0726% | 5,230 |
| Retained earnings to average equity (ytd only) | 4.0726% | 3,894 |
| Net charge-offs to loans | -0.0667% | 6,743 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2667% | 4,850 |
| Assets per employee ($millions) | 4.2017% | 3,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9657% | 2,324 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 38.9726% | 6,407 |
| Net loans and leases to deposits | 44.2348% | 6,546 |
| Net loans and leases to core deposits | 44.2348% | 6,652 |
| Total domestic deposits to total assets | 88.1039% | 2,074 |
| Equity capital to assets | 11.4478% | 2,639 |
| Core capital (leverage) ratio | 11.7834% | 1,737 |
| Tier 1 risk-based capital ratio | 21.9484% | 1,303 |
| Total risk-based capital ratio | 23.0284% | 1,309 |
| Memoranda: | ||
| Average total assets | $24,625,330 | 7,023 |
| Average earning assets | $22,583,330 | 6,995 |
| Average equity | $2,848,330 | 6,943 |
| Average total loans | $8,991,000 | 7,041 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5347% | 6,653 |
| Cost of funding earning assets | 0.8074% | 3,415 |
| Net interest margin | 2.7273% | 6,744 |
| Noninterest income to average assets | 0.4110% | 4,584 |
| Noninterest expense to average assets | 2.4493% | 5,316 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0493% | 6,329 |
| Return on assets (ROA) | 0.0493% | 6,447 |
| Pretax return on assets | 0.4603% | 5,557 |
| Return on Equity (ROE) | 0.4241% | 6,458 |
| Retained earnings to average equity (ytd only) | 0.4241% | 5,861 |
| Net charge-offs to loans | -0.0944% | 6,766 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1808% | 1,670 |
| Assets per employee ($millions) | 4.0687% | 3,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3836% | 1,535 |
| Loan loss allowance to noncurrent loans | 593.9394% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.1352% | 6,553 |
| Noncurrent loans to loans | 0.4013% | 5,869 |
| Net loans and leases to total assets | 32.8814% | 6,782 |
| Net loans and leases to deposits | 37.4062% | 6,846 |
| Net loans and leases to core deposits | 37.8507% | 6,886 |
| Total domestic deposits to total assets | 87.9035% | 2,389 |
| Equity capital to assets | 11.5968% | 2,351 |
| Core capital (leverage) ratio | 11.1774% | 2,124 |
| Tier 1 risk-based capital ratio | 24.5108% | 950 |
| Total risk-based capital ratio | 25.7316% | 944 |
| Memoranda: | ||
| Average total assets | $24,333,000 | 7,092 |
| Average earning assets | $22,293,000 | 7,067 |
| Average equity | $2,829,500 | 6,996 |
| Average total loans | $8,475,500 | 7,115 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0165% | 6,422 |
| Cost of funding earning assets | 0.8905% | 4,184 |
| Net interest margin | 3.1260% | 6,282 |
| Noninterest income to average assets | 0.4131% | 4,507 |
| Noninterest expense to average assets | 2.0142% | 6,650 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.8900% | 2,645 |
| Return on assets (ROA) | 0.8900% | 2,776 |
| Pretax return on assets | 1.3286% | 2,022 |
| Return on Equity (ROE) | 7.2975% | 3,247 |
| Retained earnings to average equity (ytd only) | 2.0601% | 4,745 |
| Net charge-offs to loans | -0.1873% | 7,208 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2548% | 5,713 |
| Assets per employee ($millions) | 4.0423% | 3,760 |
| Cash dividends to net income (ytd only)* | 71.7703% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2227% | 1,758 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 35.1859% | 6,805 |
| Net loans and leases to deposits | 40.0488% | 6,881 |
| Net loans and leases to core deposits | 40.5262% | 6,928 |
| Total domestic deposits to total assets | 87.8577% | 2,245 |
| Equity capital to assets | 11.6599% | 2,374 |
| Core capital (leverage) ratio | 11.8401% | 1,693 |
| Tier 1 risk-based capital ratio | 23.9296% | 973 |
| Total risk-based capital ratio | 25.1142% | 964 |
| Memoranda: | ||
| Average total assets | $23,483,600 | 7,137 |
| Average earning assets | $22,009,200 | 7,108 |
| Average equity | $2,864,000 | 7,039 |
| Average total loans | $8,544,200 | 7,160 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0981% | 6,417 |
| Cost of funding earning assets | 0.9080% | 4,340 |
| Net interest margin | 3.1901% | 6,183 |
| Noninterest income to average assets | 0.3950% | 4,706 |
| Noninterest expense to average assets | 1.8147% | 6,978 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.5857% | 791 |
| Return on assets (ROA) | 1.5857% | 866 |
| Pretax return on assets | 1.5971% | 1,394 |
| Return on Equity (ROE) | 12.8549% | 1,317 |
| Retained earnings to average equity (ytd only) | 10.5346% | 717 |
| Net charge-offs to loans | -0.1569% | 7,232 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1879% | 6,577 |
| Assets per employee ($millions) | 3.8892% | 4,096 |
| Cash dividends to net income (ytd only)* | 18.0521% | 3,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0502% | 2,206 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 38.4915% | 6,744 |
| Net loans and leases to deposits | 44.2812% | 6,817 |
| Net loans and leases to core deposits | 44.2812% | 6,912 |
| Total domestic deposits to total assets | 86.9252% | 2,699 |
| Equity capital to assets | 12.8391% | 1,692 |
| Core capital (leverage) ratio | 12.7127% | 1,339 |
| Tier 1 risk-based capital ratio | 24.9896% | 914 |
| Total risk-based capital ratio | 26.1239% | 910 |
| Memoranda: | ||
| Average total assets | $23,291,000 | 7,213 |
| Average earning assets | $22,026,000 | 7,178 |
| Average equity | $2,873,000 | 7,101 |
| Average total loans | $8,498,250 | 7,233 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1029% | 6,489 |
| Cost of funding earning assets | 0.9088% | 4,593 |
| Net interest margin | 3.1941% | 6,178 |
| Noninterest income to average assets | 0.3523% | 5,072 |
| Noninterest expense to average assets | 1.9763% | 6,840 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.4349% | 1,007 |
| Return on assets (ROA) | 1.4349% | 1,066 |
| Pretax return on assets | 1.4263% | 1,738 |
| Return on Equity (ROE) | 11.7938% | 1,558 |
| Retained earnings to average equity (ytd only) | 8.2627% | 1,362 |
| Net charge-offs to loans | -0.2175% | 7,299 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0808% | 6,149 |
| Assets per employee ($millions) | 3.9677% | 3,830 |
| Cash dividends to net income (ytd only)* | 29.9401% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1879% | 1,947 |
| Loan loss allowance to noncurrent loans | 9,350.0000% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 7,108 |
| Noncurrent loans to loans | 0.0234% | 6,936 |
| Net loans and leases to total assets | 35.1172% | 7,007 |
| Net loans and leases to deposits | 40.1017% | 7,063 |
| Net loans and leases to core deposits | 40.1017% | 7,124 |
| Total domestic deposits to total assets | 87.5704% | 2,429 |
| Equity capital to assets | 12.1230% | 2,015 |
| Core capital (leverage) ratio | 12.1495% | 1,531 |
| Tier 1 risk-based capital ratio | 24.9115% | 912 |
| Total risk-based capital ratio | 26.0855% | 900 |
| Memoranda: | ||
| Average total assets | $23,276,330 | 7,283 |
| Average earning assets | $22,228,330 | 7,237 |
| Average equity | $2,832,000 | 7,171 |
| Average total loans | $8,274,330 | 7,312 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0792% | 6,545 |
| Cost of funding earning assets | 0.9205% | 4,771 |
| Net interest margin | 3.1587% | 6,193 |
| Noninterest income to average assets | 0.3650% | 4,989 |
| Noninterest expense to average assets | 2.4336% | 5,781 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2515% | 1,384 |
| Return on assets (ROA) | 1.2515% | 1,437 |
| Pretax return on assets | 0.9734% | 3,241 |
| Return on Equity (ROE) | 10.2674% | 2,004 |
| Retained earnings to average equity (ytd only) | 10.2674% | 1,060 |
| Net charge-offs to loans | -0.3441% | 7,360 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4286% | 3,971 |
| Assets per employee ($millions) | 3.8072% | 4,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3609% | 1,661 |
| Loan loss allowance to noncurrent loans | 3,700.0000% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0219% | 7,121 |
| Noncurrent loans to loans | 0.0638% | 6,885 |
| Net loans and leases to total assets | 33.4938% | 7,111 |
| Net loans and leases to deposits | 38.4202% | 7,158 |
| Net loans and leases to core deposits | 38.4202% | 7,211 |
| Total domestic deposits to total assets | 87.1777% | 2,845 |
| Equity capital to assets | 12.4371% | 1,658 |
| Core capital (leverage) ratio | 12.2194% | 1,450 |
| Tier 1 risk-based capital ratio | 26.2472% | 763 |
| Total risk-based capital ratio | 27.4945% | 750 |
| Memoranda: | ||
| Average total assets | $23,011,500 | 7,342 |
| Average earning assets | $22,161,000 | 7,291 |
| Average equity | $2,805,000 | 7,222 |
| Average total loans | $8,138,000 | 7,378 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1407% | 7,000 |
| Cost of funding earning assets | 1.1588% | 4,797 |
| Net interest margin | 2.9819% | 6,763 |
| Noninterest income to average assets | 0.3691% | 5,147 |
| Noninterest expense to average assets | 1.9627% | 7,080 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.7469% | 3,011 |
| Return on assets (ROA) | 0.7469% | 3,133 |
| Pretax return on assets | 1.2332% | 2,130 |
| Return on Equity (ROE) | 6.2018% | 3,516 |
| Retained earnings to average equity (ytd only) | -1.0096% | 5,807 |
| Net charge-offs to loans | -0.1382% | 7,521 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4130% | 5,827 |
| Assets per employee ($millions) | 3.8633% | 4,099 |
| Cash dividends to net income (ytd only)* | 116.2791% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1090% | 2,054 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 35.6428% | 7,170 |
| Net loans and leases to deposits | 41.9966% | 7,181 |
| Net loans and leases to core deposits | 41.9966% | 7,256 |
| Total domestic deposits to total assets | 84.8706% | 3,919 |
| Equity capital to assets | 11.9456% | 1,947 |
| Core capital (leverage) ratio | 11.7945% | 1,673 |
| Tier 1 risk-based capital ratio | 24.3023% | 906 |
| Total risk-based capital ratio | 25.6012% | 888 |
| Memoranda: | ||
| Average total assets | $23,029,400 | 7,395 |
| Average earning assets | $21,832,000 | 7,359 |
| Average equity | $2,773,400 | 7,335 |
| Average total loans | $7,236,200 | 7,494 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1236% | 7,176 |
| Cost of funding earning assets | 1.2107% | 4,800 |
| Net interest margin | 2.9129% | 6,989 |
| Noninterest income to average assets | 0.3595% | 5,289 |
| Noninterest expense to average assets | 1.8963% | 7,215 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.0148% | 2,187 |
| Return on assets (ROA) | 1.0148% | 2,303 |
| Pretax return on assets | 1.2120% | 2,447 |
| Return on Equity (ROE) | 8.4098% | 2,734 |
| Retained earnings to average equity (ytd only) | 1.2013% | 5,334 |
| Net charge-offs to loans | 0.2307% | 4,551 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 17.4163% | 1,327 |
| Efficiency ratio | 61.0075% | 5,794 |
| Assets per employee ($millions) | 3.8298% | 4,196 |
| Cash dividends to net income (ytd only)* | 85.7155% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9655% | 2,306 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 33.8614% | 7,348 |
| Net loans and leases to deposits | 38.7654% | 7,401 |
| Net loans and leases to core deposits | 38.7654% | 7,446 |
| Total domestic deposits to total assets | 87.3493% | 2,344 |
| Equity capital to assets | 12.2808% | 1,988 |
| Core capital (leverage) ratio | 12.2323% | 1,547 |
| Tier 1 risk-based capital ratio | 25.7670% | 792 |
| Total risk-based capital ratio | 26.9631% | 781 |
| Memoranda: | ||
| Average total assets | $22,991,750 | 7,494 |
| Average earning assets | $21,695,750 | 7,456 |
| Average equity | $2,774,500 | 7,426 |
| Average total loans | $6,935,250 | 7,598 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1452% | 7,237 |
| Cost of funding earning assets | 1.2463% | 4,853 |
| Net interest margin | 2.8989% | 7,011 |
| Noninterest income to average assets | 0.3566% | 5,295 |
| Noninterest expense to average assets | 2.0960% | 6,918 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7393% | 3,241 |
| Return on assets (ROA) | 0.7393% | 3,389 |
| Pretax return on assets | 0.9915% | 3,149 |
| Return on Equity (ROE) | 6.1624% | 3,717 |
| Retained earnings to average equity (ytd only) | -1.0875% | 5,987 |
| Net charge-offs to loans | 0.4242% | 3,301 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 8.1429% | 2,181 |
| Efficiency ratio | 67.8873% | 4,605 |
| Assets per employee ($millions) | 3.8658% | 4,062 |
| Cash dividends to net income (ytd only)* | 117.6471% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2006% | 1,752 |
| Loan loss allowance to noncurrent loans | 669.5652% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.0992% | 7,147 |
| Noncurrent loans to loans | 0.3287% | 6,570 |
| Net loans and leases to total assets | 29.5064% | 7,546 |
| Net loans and leases to deposits | 33.7110% | 7,582 |
| Net loans and leases to core deposits | 33.7110% | 7,610 |
| Total domestic deposits to total assets | 87.5275% | 2,243 |
| Equity capital to assets | 11.9940% | 2,097 |
| Core capital (leverage) ratio | 12.2087% | 1,536 |
| Tier 1 risk-based capital ratio | 26.9078% | 704 |
| Total risk-based capital ratio | 28.1652% | 690 |
| Memoranda: | ||
| Average total assets | $22,996,000 | 7,555 |
| Average earning assets | $21,663,670 | 7,515 |
| Average equity | $2,758,670 | 7,487 |
| Average total loans | $6,601,330 | 7,673 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0812% | 7,393 |
| Cost of funding earning assets | 1.3052% | 4,785 |
| Net interest margin | 2.7759% | 7,219 |
| Noninterest income to average assets | 0.3669% | 5,210 |
| Noninterest expense to average assets | 2.5855% | 5,413 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0000% | 6,281 |
| Return on assets (ROA) | 0.0000% | 6,392 |
| Pretax return on assets | 0.4193% | 5,232 |
| Return on Equity (ROE) | 0.0000% | 6,399 |
| Retained earnings to average equity (ytd only) | -14.5613% | 7,192 |
| Net charge-offs to loans | 1.0620% | 1,570 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 1.4118% | 3,901 |
| Efficiency ratio | 86.0465% | 1,790 |
| Assets per employee ($millions) | 3.8085% | 4,286 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4230% | 1,397 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 26.6115% | 7,694 |
| Net loans and leases to deposits | 30.4248% | 7,726 |
| Net loans and leases to core deposits | 30.4248% | 7,741 |
| Total domestic deposits to total assets | 87.4666% | 2,377 |
| Equity capital to assets | 11.8025% | 2,163 |
| Core capital (leverage) ratio | 11.6758% | 1,813 |
| Tier 1 risk-based capital ratio | 27.7384% | 654 |
| Total risk-based capital ratio | 29.0548% | 641 |
| Memoranda: | ||
| Average total assets | $22,896,500 | 7,656 |
| Average earning assets | $21,758,500 | 7,599 |
| Average equity | $2,747,000 | 7,569 |
| Average total loans | $6,403,000 | 7,776 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6860% | 7,159 |
| Cost of funding earning assets | 1.6062% | 5,000 |
| Net interest margin | 3.0798% | 6,435 |
| Noninterest income to average assets | 0.3540% | 5,571 |
| Noninterest expense to average assets | 1.7290% | 7,674 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.1345% | 1,429 |
| Return on assets (ROA) | 1.1345% | 1,453 |
| Pretax return on assets | 1.4703% | 1,261 |
| Return on Equity (ROE) | 9.2108% | 1,955 |
| Retained earnings to average equity (ytd only) | 7.3687% | 851 |
| Net charge-offs to loans | -0.1210% | 7,894 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0426% | 7,224 |
| Assets per employee ($millions) | 4.5884% | 2,784 |
| Cash dividends to net income (ytd only)* | 20.0000% | 3,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5555% | 1,163 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 27.9226% | 7,750 |
| Net loans and leases to deposits | 32.0332% | 7,783 |
| Net loans and leases to core deposits | 43.2779% | 7,710 |
| Total domestic deposits to total assets | 87.1676% | 2,406 |
| Equity capital to assets | 12.1916% | 1,918 |
| Core capital (leverage) ratio | 12.1250% | 1,611 |
| Tier 1 risk-based capital ratio | 23.4490% | 995 |
| Total risk-based capital ratio | 24.6395% | 983 |
| Memoranda: | ||
| Average total assets | $22,036,000 | 7,723 |
| Average earning assets | $20,358,600 | 7,701 |
| Average equity | $2,714,200 | 7,673 |
| Average total loans | $6,613,400 | 7,840 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8309% | 7,047 |
| Cost of funding earning assets | 1.6569% | 5,126 |
| Net interest margin | 3.1740% | 6,104 |
| Noninterest income to average assets | 0.3362% | 5,797 |
| Noninterest expense to average assets | 1.6200% | 7,813 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.3205% | 1,176 |
| Return on assets (ROA) | 1.3205% | 1,243 |
| Pretax return on assets | 1.6323% | 1,107 |
| Return on Equity (ROE) | 10.6920% | 1,709 |
| Retained earnings to average equity (ytd only) | 8.2172% | 1,076 |
| Net charge-offs to loans | -0.1208% | 7,934 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8120% | 7,571 |
| Assets per employee ($millions) | 4.4992% | 2,863 |
| Cash dividends to net income (ytd only)* | 23.1501% | 3,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4369% | 1,128 |
| Loan loss allowance to noncurrent loans | 1,509.0909% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.0489% | 7,445 |
| Noncurrent loans to loans | 0.1615% | 7,080 |
| Net loans and leases to total assets | 29.5430% | 7,818 |
| Net loans and leases to deposits | 33.9393% | 7,860 |
| Net loans and leases to core deposits | 45.8376% | 7,769 |
| Total domestic deposits to total assets | 87.0466% | 2,161 |
| Equity capital to assets | 12.2822% | 2,078 |
| Core capital (leverage) ratio | 12.2533% | 1,682 |
| Tier 1 risk-based capital ratio | 25.9096% | 823 |
| Total risk-based capital ratio | 27.2318% | 804 |
| Memoranda: | ||
| Average total assets | $21,809,500 | 7,804 |
| Average earning assets | $20,037,250 | 7,783 |
| Average equity | $2,693,500 | 7,754 |
| Average total loans | $6,623,250 | 7,916 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8403% | 7,147 |
| Cost of funding earning assets | 1.6805% | 5,360 |
| Net interest margin | 3.1598% | 6,059 |
| Noninterest income to average assets | 0.3058% | 6,069 |
| Noninterest expense to average assets | 1.5848% | 7,921 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.2882% | 1,256 |
| Return on assets (ROA) | 1.2882% | 1,344 |
| Pretax return on assets | 1.6311% | 1,148 |
| Return on Equity (ROE) | 10.4107% | 1,880 |
| Retained earnings to average equity (ytd only) | 10.4107% | 650 |
| Net charge-offs to loans | -0.0610% | 7,878 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2795% | 7,706 |
| Assets per employee ($millions) | 4.5586% | 2,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3499% | 1,044 |
| Loan loss allowance to noncurrent loans | 4,050.0000% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0175% | 7,589 |
| Noncurrent loans to loans | 0.0580% | 7,387 |
| Net loans and leases to total assets | 29.5354% | 7,896 |
| Net loans and leases to deposits | 33.8206% | 7,940 |
| Net loans and leases to core deposits | 44.4826% | 7,866 |
| Total domestic deposits to total assets | 87.3294% | 2,086 |
| Equity capital to assets | 12.0037% | 2,199 |
| Core capital (leverage) ratio | 12.3288% | 1,680 |
| Tier 1 risk-based capital ratio | 24.8886% | 953 |
| Total risk-based capital ratio | 26.1439% | 936 |
| Memoranda: | ||
| Average total assets | $21,580,670 | 7,887 |
| Average earning assets | $19,874,670 | 7,864 |
| Average equity | $2,670,330 | 7,832 |
| Average total loans | $6,560,330 | 8,006 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8627% | 7,256 |
| Cost of funding earning assets | 1.7174% | 5,526 |
| Net interest margin | 3.1452% | 6,039 |
| Noninterest income to average assets | 0.3242% | 5,860 |
| Noninterest expense to average assets | 1.5447% | 7,949 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5447% | 861 |
| Return on assets (ROA) | 1.5447% | 937 |
| Pretax return on assets | 1.6782% | 1,218 |
| Return on Equity (ROE) | 12.2844% | 1,577 |
| Retained earnings to average equity (ytd only) | 12.2844% | 744 |
| Net charge-offs to loans | -0.0626% | 7,762 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9290% | 7,730 |
| Assets per employee ($millions) | 4.3568% | 2,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5259% | 747 |
| Loan loss allowance to noncurrent loans | 644.0000% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.1148% | 7,246 |
| Noncurrent loans to loans | 0.3922% | 6,439 |
| Net loans and leases to total assets | 28.5209% | 7,948 |
| Net loans and leases to deposits | 32.6983% | 8,001 |
| Net loans and leases to core deposits | 43.1428% | 7,923 |
| Total domestic deposits to total assets | 87.2246% | 2,109 |
| Equity capital to assets | 12.2934% | 2,079 |
| Core capital (leverage) ratio | 12.8116% | 1,555 |
| Tier 1 risk-based capital ratio | 24.2969% | 1,045 |
| Total risk-based capital ratio | 25.3312% | 1,045 |
| Memoranda: | ||
| Average total assets | $20,974,500 | 7,952 |
| Average earning assets | $19,331,000 | 7,928 |
| Average equity | $2,637,500 | 7,891 |
| Average total loans | $6,393,500 | 8,063 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1335% | 7,741 |
| Cost of funding earning assets | 2.2804% | 5,245 |
| Net interest margin | 2.8531% | 7,249 |
| Noninterest income to average assets | 0.3512% | 5,919 |
| Noninterest expense to average assets | 1.7760% | 7,777 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8163% | 3,363 |
| Return on assets (ROA) | 0.8163% | 3,206 |
| Pretax return on assets | 1.2615% | 2,441 |
| Return on Equity (ROE) | 6.4625% | 3,773 |
| Retained earnings to average equity (ytd only) | 4.5042% | 2,324 |
| Net charge-offs to loans | -0.0175% | 7,914 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4691% | 6,608 |
| Assets per employee ($millions) | 4.0330% | 3,443 |
| Cash dividends to net income (ytd only)* | 30.3030% | 4,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5105% | 671 |
| Loan loss allowance to noncurrent loans | 1,610.0000% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.0496% | 7,382 |
| Noncurrent loans to loans | 0.1559% | 6,941 |
| Net loans and leases to total assets | 31.0042% | 7,968 |
| Net loans and leases to deposits | 35.8055% | 8,028 |
| Net loans and leases to core deposits | 46.4108% | 7,959 |
| Total domestic deposits to total assets | 86.5906% | 2,146 |
| Equity capital to assets | 12.8788% | 1,840 |
| Core capital (leverage) ratio | 12.6332% | 1,695 |
| Tier 1 risk-based capital ratio | 28.3330% | 742 |
| Total risk-based capital ratio | 29.5658% | 727 |
| Memoranda: | ||
| Average total assets | $20,214,000 | 8,005 |
| Average earning assets | $19,032,000 | 7,969 |
| Average equity | $2,553,200 | 7,965 |
| Average total loans | $5,730,000 | 8,134 |