Home > Battle Creek State Bank > Performance and Condition Ratios
Battle Creek State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9813% | 2,106 |
| Cost of funding earning assets | 1.3502% | 2,359 |
| Net interest margin | 3.6311% | 1,900 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 2.7741% | 1,566 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9409% | 2,397 |
| Return on assets (ROA) | 0.8013% | 2,851 |
| Pretax return on assets | 0.9124% | 2,928 |
| Return on Equity (ROE) | 6.6000% | 3,390 |
| Retained earnings to average equity (ytd only) | 1.0898% | 3,814 |
| Net charge-offs to loans | 0.0771% | 1,096 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 20.2500% | 1,865 |
| Efficiency ratio | 72.1458% | 1,647 |
| Assets per employee ($millions) | 6.1578% | 2,685 |
| Cash dividends to net income (ytd only)* | 83.4983% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4034% | 1,383 |
| 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 | 73.5900% | 1,413 |
| Net loans and leases to deposits | 87.1103% | 1,528 |
| Net loans and leases to core deposits | 96.4763% | 1,626 |
| Total domestic deposits to total assets | 84.4800% | 2,474 |
| Equity capital to assets | 12.4286% | 1,000 |
| Core capital (leverage) ratio | 12.0052% | 1,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8272% | 1,109 |
| Memoranda: | ||
| Average total assets | $37,813,800 | 4,413 |
| Average earning assets | $35,994,600 | 4,375 |
| Average equity | $4,588,200 | 4,299 |
| Average total loans | $25,950,200 | 4,205 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8038% | 2,253 |
| Cost of funding earning assets | 1.1862% | 2,470 |
| Net interest margin | 3.6176% | 1,956 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 2.6890% | 1,697 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9192% | 2,620 |
| Return on assets (ROA) | 0.7503% | 3,167 |
| Pretax return on assets | 0.9571% | 2,960 |
| Return on Equity (ROE) | 6.2200% | 3,602 |
| Retained earnings to average equity (ytd only) | 3.7494% | 3,327 |
| Net charge-offs to loans | 0.1670% | 513 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 10.4375% | 2,123 |
| Efficiency ratio | 69.6639% | 1,826 |
| Assets per employee ($millions) | 6.0477% | 2,704 |
| Cash dividends to net income (ytd only)* | 39.7196% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3830% | 1,516 |
| 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 | 73.6900% | 1,377 |
| Net loans and leases to deposits | 88.5515% | 1,339 |
| Net loans and leases to core deposits | 90.0879% | 1,924 |
| Total domestic deposits to total assets | 83.2200% | 2,973 |
| Equity capital to assets | 12.5448% | 907 |
| Core capital (leverage) ratio | 12.7525% | 1,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3574% | 1,048 |
| Memoranda: | ||
| Average total assets | $38,030,500 | 4,429 |
| Average earning assets | $36,192,750 | 4,392 |
| Average equity | $4,587,250 | 4,309 |
| Average total loans | $25,544,000 | 4,224 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6227% | 2,365 |
| Cost of funding earning assets | 1.1136% | 2,237 |
| Net interest margin | 3.5091% | 2,242 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.6624% | 1,745 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9390% | 2,617 |
| Return on assets (ROA) | 0.6578% | 3,444 |
| Pretax return on assets | 0.7407% | 3,521 |
| Return on Equity (ROE) | 5.5200% | 3,794 |
| Retained earnings to average equity (ytd only) | 4.0009% | 3,209 |
| Net charge-offs to loans | 0.1199% | 603 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 13.6000% | 1,902 |
| Efficiency ratio | 71.5877% | 1,601 |
| Assets per employee ($millions) | 6.2812% | 2,484 |
| Cash dividends to net income (ytd only)* | 27.5591% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5732% | 990 |
| Loan loss allowance to noncurrent loans | 2,305.8824% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.0451% | 3,321 |
| Noncurrent loans to loans | 0.0682% | 3,210 |
| Net loans and leases to total assets | 65.0800% | 2,270 |
| Net loans and leases to deposits | 76.7221% | 2,239 |
| Net loans and leases to core deposits | 78.0454% | 2,610 |
| Total domestic deposits to total assets | 84.8200% | 2,594 |
| Equity capital to assets | 12.1978% | 995 |
| Core capital (leverage) ratio | 12.4925% | 1,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0923% | 943 |
| Memoranda: | ||
| Average total assets | $38,612,000 | 4,445 |
| Average earning assets | $36,818,333 | 4,412 |
| Average equity | $4,599,000 | 4,333 |
| Average total loans | $25,020,667 | 4,246 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5292% | 2,251 |
| Cost of funding earning assets | 1.0435% | 1,899 |
| Net interest margin | 3.4857% | 2,407 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.5695% | 2,051 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8108% | 3,160 |
| Return on assets (ROA) | 0.4504% | 3,955 |
| Pretax return on assets | 0.5630% | 3,903 |
| Return on Equity (ROE) | 3.8300% | 4,066 |
| Retained earnings to average equity (ytd only) | 2.5217% | 3,599 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.7143% | 1,560 |
| Assets per employee ($millions) | 6.1748% | 2,605 |
| Cash dividends to net income (ytd only)* | 34.0909% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6618% | 885 |
| 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 | 65.0100% | 2,154 |
| Net loans and leases to deposits | 77.2376% | 2,015 |
| Net loans and leases to core deposits | 80.2352% | 2,240 |
| Total domestic deposits to total assets | 84.1700% | 3,060 |
| Equity capital to assets | 12.5725% | 851 |
| Core capital (leverage) ratio | 11.7524% | 1,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1515% | 972 |
| Memoranda: | ||
| Average total assets | $39,074,500 | 4,508 |
| Average earning assets | $37,181,000 | 4,476 |
| Average equity | $4,600,000 | 4,392 |
| Average total loans | $25,072,500 | 4,306 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4639% | 3,168 |
| Cost of funding earning assets | 0.7020% | 575 |
| Net interest margin | 2.7619% | 3,953 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 2.2499% | 2,894 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6246% | 3,819 |
| Return on assets (ROA) | 0.6246% | 3,772 |
| Pretax return on assets | 0.7647% | 3,707 |
| Return on Equity (ROE) | 5.6500% | 3,894 |
| Retained earnings to average equity (ytd only) | 0.8897% | 4,221 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.6330% | 1,157 |
| Assets per employee ($millions) | 6.8500% | 2,082 |
| Cash dividends to net income (ytd only)* | 84.2520% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5866% | 1,002 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 61.4300% | 2,498 |
| Net loans and leases to deposits | 80.4423% | 1,741 |
| Net loans and leases to core deposits | 83.5324% | 1,903 |
| Total domestic deposits to total assets | 76.3600% | 4,238 |
| Equity capital to assets | 11.0511% | 1,237 |
| Core capital (leverage) ratio | 10.7438% | 1,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3127% | 1,082 |
| Memoranda: | ||
| Average total assets | $40,668,400 | 4,521 |
| Average earning assets | $39,031,600 | 4,488 |
| Average equity | $4,495,800 | 4,487 |
| Average total loans | $26,273,600 | 4,296 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2011% | 3,433 |
| Cost of funding earning assets | 0.5581% | 554 |
| Net interest margin | 2.6431% | 4,039 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 2.2550% | 2,776 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5621% | 3,935 |
| Return on assets (ROA) | 0.5621% | 3,886 |
| Pretax return on assets | 0.6837% | 3,830 |
| Return on Equity (ROE) | 5.0800% | 3,965 |
| Retained earnings to average equity (ytd only) | 3.4193% | 3,660 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 76.7338% | 1,017 |
| Assets per employee ($millions) | 6.6323% | 2,213 |
| Cash dividends to net income (ytd only)* | 32.7485% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5176% | 1,247 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 66.3700% | 1,848 |
| Net loans and leases to deposits | 77.4971% | 1,758 |
| Net loans and leases to core deposits | 80.2230% | 1,885 |
| Total domestic deposits to total assets | 85.6400% | 3,148 |
| Equity capital to assets | 11.4062% | 1,036 |
| Core capital (leverage) ratio | 10.8245% | 1,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3181% | 1,120 |
| Memoranda: | ||
| Average total assets | $40,560,500 | 4,556 |
| Average earning assets | $38,943,500 | 4,521 |
| Average equity | $4,484,250 | 4,525 |
| Average total loans | $26,428,750 | 4,324 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0235% | 3,497 |
| Cost of funding earning assets | 0.5218% | 456 |
| Net interest margin | 2.5017% | 4,085 |
| Noninterest income to average assets | 0.4263% | 2,590 |
| Noninterest expense to average assets | 2.2883% | 2,587 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4361% | 4,038 |
| Return on assets (ROA) | 0.4361% | 3,995 |
| Pretax return on assets | 0.5341% | 3,950 |
| Return on Equity (ROE) | 3.9857% | 4,039 |
| Retained earnings to average equity (ytd only) | 3.0900% | 3,416 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0764% | 870 |
| Assets per employee ($millions) | 7.2293% | 1,787 |
| Cash dividends to net income (ytd only)* | 22.4719% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5531% | 1,267 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 59.4753% | 2,384 |
| Net loans and leases to deposits | 68.3590% | 2,357 |
| Net loans and leases to core deposits | 70.5191% | 2,451 |
| Total domestic deposits to total assets | 87.0043% | 2,939 |
| Equity capital to assets | 10.3375% | 1,514 |
| Core capital (leverage) ratio | 10.6420% | 1,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5336% | 1,065 |
| Memoranda: | ||
| Average total assets | $40,816,000 | 4,601 |
| Average earning assets | $39,093,333 | 4,576 |
| Average equity | $4,466,000 | 4,572 |
| Average total loans | $26,299,000 | 4,388 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0459% | 3,117 |
| Cost of funding earning assets | 0.5094% | 470 |
| Net interest margin | 2.5365% | 3,819 |
| Noninterest income to average assets | 0.6070% | 1,665 |
| Noninterest expense to average assets | 2.4788% | 1,938 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4553% | 3,831 |
| Return on assets (ROA) | 0.4553% | 3,798 |
| Pretax return on assets | 0.5463% | 3,763 |
| Return on Equity (ROE) | 4.0386% | 3,869 |
| Retained earnings to average equity (ytd only) | 2.2437% | 3,482 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9398% | 985 |
| Assets per employee ($millions) | 6.7762% | 2,168 |
| Cash dividends to net income (ytd only)* | 44.4444% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5653% | 1,365 |
| Loan loss allowance to noncurrent loans | 767.9245% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.1304% | 2,885 |
| Noncurrent loans to loans | 0.2038% | 2,804 |
| Net loans and leases to total assets | 62.9510% | 1,748 |
| Net loans and leases to deposits | 73.0256% | 1,690 |
| Net loans and leases to core deposits | 75.5119% | 1,808 |
| Total domestic deposits to total assets | 86.2041% | 3,193 |
| Equity capital to assets | 10.9501% | 1,349 |
| Core capital (leverage) ratio | 11.2097% | 1,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7725% | 1,087 |
| Memoranda: | ||
| Average total assets | $39,536,000 | 4,637 |
| Average earning assets | $37,689,500 | 4,617 |
| Average equity | $4,457,000 | 4,616 |
| Average total loans | $26,346,000 | 4,406 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3549% | 3,038 |
| Cost of funding earning assets | 0.7056% | 315 |
| Net interest margin | 2.6493% | 3,963 |
| Noninterest income to average assets | 0.5085% | 2,522 |
| Noninterest expense to average assets | 2.4004% | 2,491 |
| Loan and lease loss provision to assets | 0.0645% | 1,773 |
| Net operating income to assets | 0.4646% | 4,153 |
| Return on assets (ROA) | 0.4646% | 4,202 |
| Pretax return on assets | 0.5730% | 4,150 |
| Return on Equity (ROE) | 3.9788% | 4,220 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,488 |
| Net charge-offs to loans | 0.2137% | 436 |
| Credit loss provision to net charge-offs | 43.8596% | 2,176 |
| Earnings coverage of net charge-offs (x) | 4.3333% | 2,495 |
| Efficiency ratio | 79.0144% | 870 |
| Assets per employee ($millions) | 5.4879% | 3,270 |
| Cash dividends to net income (ytd only)* | 100.0000% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5249% | 1,468 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 68.4212% | 1,218 |
| Net loans and leases to deposits | 80.1561% | 1,201 |
| Net loans and leases to core deposits | 83.0721% | 1,383 |
| Total domestic deposits to total assets | 85.3599% | 3,150 |
| Equity capital to assets | 11.6153% | 1,447 |
| Core capital (leverage) ratio | 11.2569% | 1,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2232% | 1,209 |
| Memoranda: | ||
| Average total assets | $38,744,000 | 4,672 |
| Average earning assets | $36,990,400 | 4,647 |
| Average equity | $4,524,000 | 4,668 |
| Average total loans | $26,677,800 | 4,442 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3612% | 3,216 |
| Cost of funding earning assets | 0.7406% | 321 |
| Net interest margin | 2.6207% | 4,107 |
| Noninterest income to average assets | 0.6078% | 2,184 |
| Noninterest expense to average assets | 2.3660% | 2,547 |
| Loan and lease loss provision to assets | 0.0850% | 1,409 |
| Net operating income to assets | 0.5357% | 4,130 |
| Return on assets (ROA) | 0.5357% | 4,175 |
| Pretax return on assets | 0.6593% | 4,142 |
| Return on Equity (ROE) | 4.5819% | 4,207 |
| Retained earnings to average equity (ytd only) | 3.1721% | 3,842 |
| Net charge-offs to loans | 0.3099% | 252 |
| Credit loss provision to net charge-offs | 40.3226% | 1,920 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 2,307 |
| Efficiency ratio | 76.0486% | 1,035 |
| Assets per employee ($millions) | 5.6793% | 3,012 |
| Cash dividends to net income (ytd only)* | 30.7692% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4939% | 1,657 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 66.6759% | 1,466 |
| Net loans and leases to deposits | 77.9641% | 1,489 |
| Net loans and leases to core deposits | 80.6910% | 1,678 |
| Total domestic deposits to total assets | 85.5213% | 2,936 |
| Equity capital to assets | 11.5231% | 1,656 |
| Core capital (leverage) ratio | 11.5080% | 1,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3826% | 1,271 |
| Memoranda: | ||
| Average total assets | $38,826,250 | 4,744 |
| Average earning assets | $37,088,500 | 4,714 |
| Average equity | $4,539,500 | 4,735 |
| Average total loans | $26,674,500 | 4,501 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2142% | 3,649 |
| Cost of funding earning assets | 0.7614% | 348 |
| Net interest margin | 2.4528% | 4,364 |
| Noninterest income to average assets | 0.8620% | 1,372 |
| Noninterest expense to average assets | 2.3159% | 2,717 |
| Loan and lease loss provision to assets | 0.1298% | 960 |
| Net operating income to assets | 0.6439% | 3,888 |
| Return on assets (ROA) | 0.6439% | 3,950 |
| Pretax return on assets | 0.7581% | 3,954 |
| Return on Equity (ROE) | 5.4799% | 4,039 |
| Retained earnings to average equity (ytd only) | 4.0215% | 3,511 |
| Net charge-offs to loans | 0.4662% | 182 |
| Credit loss provision to net charge-offs | 40.3226% | 1,657 |
| Earnings coverage of net charge-offs (x) | 2.7581% | 2,108 |
| Efficiency ratio | 72.2853% | 1,404 |
| Assets per employee ($millions) | 6.7030% | 2,020 |
| Cash dividends to net income (ytd only)* | 26.6129% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5261% | 1,506 |
| Loan loss allowance to noncurrent loans | 368.8073% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.2710% | 2,574 |
| Noncurrent loans to loans | 0.4138% | 2,438 |
| Net loans and leases to total assets | 64.4960% | 1,892 |
| Net loans and leases to deposits | 75.2117% | 1,895 |
| Net loans and leases to core deposits | 77.7968% | 2,063 |
| Total domestic deposits to total assets | 85.7526% | 2,819 |
| Equity capital to assets | 11.3506% | 1,728 |
| Core capital (leverage) ratio | 11.6034% | 1,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5837% | 1,214 |
| Memoranda: | ||
| Average total assets | $38,516,667 | 4,776 |
| Average earning assets | $36,774,333 | 4,747 |
| Average equity | $4,525,667 | 4,768 |
| Average total loans | $26,596,333 | 4,537 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3432% | 3,358 |
| Cost of funding earning assets | 0.8162% | 325 |
| Net interest margin | 2.5269% | 4,261 |
| Noninterest income to average assets | 0.9876% | 1,150 |
| Noninterest expense to average assets | 2.3682% | 2,598 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8177% | 3,362 |
| Return on assets (ROA) | 0.8177% | 3,433 |
| Pretax return on assets | 1.0195% | 3,316 |
| Return on Equity (ROE) | 6.8353% | 3,649 |
| Retained earnings to average equity (ytd only) | 5.5038% | 3,061 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9060% | 1,716 |
| Assets per employee ($millions) | 6.3543% | 2,288 |
| Cash dividends to net income (ytd only)* | 19.4805% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6624% | 1,141 |
| Loan loss allowance to noncurrent loans | 229.8429% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.5010% | 1,885 |
| Noncurrent loans to loans | 0.7233% | 1,798 |
| Net loans and leases to total assets | 68.1110% | 1,520 |
| Net loans and leases to deposits | 80.0789% | 1,517 |
| Net loans and leases to core deposits | 83.0046% | 1,754 |
| Total domestic deposits to total assets | 85.0548% | 3,070 |
| Equity capital to assets | 11.9000% | 1,336 |
| Core capital (leverage) ratio | 11.8714% | 1,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3860% | 1,199 |
| Memoranda: | ||
| Average total assets | $37,666,000 | 4,807 |
| Average earning assets | $35,774,500 | 4,780 |
| Average equity | $4,506,000 | 4,792 |
| Average total loans | $26,724,000 | 4,555 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8620% | 3,131 |
| Cost of funding earning assets | 1.1088% | 386 |
| Net interest margin | 2.7532% | 4,321 |
| Noninterest income to average assets | 0.3875% | 3,165 |
| Noninterest expense to average assets | 2.3826% | 3,172 |
| Loan and lease loss provision to assets | 0.3548% | 970 |
| Net operating income to assets | 0.1692% | 4,608 |
| Return on assets (ROA) | 0.1692% | 4,662 |
| Pretax return on assets | 0.2593% | 4,595 |
| Return on Equity (ROE) | 1.3728% | 4,637 |
| Retained earnings to average equity (ytd only) | 0.3100% | 4,424 |
| Net charge-offs to loans | 0.2697% | 638 |
| Credit loss provision to net charge-offs | 173.3333% | 2,302 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,121 |
| Efficiency ratio | 79.5082% | 924 |
| Assets per employee ($millions) | 6.2010% | 2,165 |
| Cash dividends to net income (ytd only)* | 77.4194% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6235% | 1,234 |
| Loan loss allowance to noncurrent loans | 146.3333% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 0.8063% | 1,266 |
| Noncurrent loans to loans | 1.1094% | 1,280 |
| Net loans and leases to total assets | 71.4992% | 1,365 |
| Net loans and leases to deposits | 84.2342% | 1,430 |
| Net loans and leases to core deposits | 87.3858% | 1,754 |
| Total domestic deposits to total assets | 84.8815% | 2,811 |
| Equity capital to assets | 12.0276% | 1,553 |
| Core capital (leverage) ratio | 11.4339% | 1,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6135% | 1,375 |
| Memoranda: | ||
| Average total assets | $36,640,800 | 4,812 |
| Average earning assets | $34,723,200 | 4,783 |
| Average equity | $4,516,200 | 4,801 |
| Average total loans | $27,805,600 | 4,561 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9873% | 3,004 |
| Cost of funding earning assets | 1.1508% | 436 |
| Net interest margin | 2.8365% | 4,279 |
| Noninterest income to average assets | 0.4055% | 3,053 |
| Noninterest expense to average assets | 2.3379% | 3,318 |
| Loan and lease loss provision to assets | 0.1836% | 2,150 |
| Net operating income to assets | 0.4566% | 4,156 |
| Return on assets (ROA) | 0.4566% | 4,221 |
| Pretax return on assets | 0.5772% | 4,146 |
| Return on Equity (ROE) | 3.6819% | 4,248 |
| Retained earnings to average equity (ytd only) | 2.7099% | 3,647 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4717% | 1,255 |
| Assets per employee ($millions) | 6.3075% | 1,989 |
| Cash dividends to net income (ytd only)* | 26.4000% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5451% | 1,252 |
| Loan loss allowance to noncurrent loans | 387.5000% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.2959% | 2,971 |
| Noncurrent loans to loans | 0.3987% | 2,865 |
| Net loans and leases to total assets | 73.0717% | 1,490 |
| Net loans and leases to deposits | 86.1281% | 1,686 |
| Net loans and leases to core deposits | 88.5693% | 2,098 |
| Total domestic deposits to total assets | 84.8408% | 2,500 |
| Equity capital to assets | 12.0333% | 1,655 |
| Core capital (leverage) ratio | 11.9440% | 1,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4076% | 1,393 |
| Memoranda: | ||
| Average total assets | $36,499,500 | 4,839 |
| Average earning assets | $34,642,250 | 4,814 |
| Average equity | $4,526,500 | 4,824 |
| Average total loans | $27,996,750 | 4,579 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1130% | 3,021 |
| Cost of funding earning assets | 1.1802% | 540 |
| Net interest margin | 2.9329% | 4,256 |
| Noninterest income to average assets | 0.4327% | 2,891 |
| Noninterest expense to average assets | 2.3522% | 3,393 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7046% | 3,382 |
| Return on assets (ROA) | 0.7046% | 3,485 |
| Pretax return on assets | 0.8654% | 3,413 |
| Return on Equity (ROE) | 5.6228% | 3,621 |
| Retained earnings to average equity (ytd only) | 5.0472% | 2,455 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1034% | 1,556 |
| Assets per employee ($millions) | 6.3443% | 1,912 |
| Cash dividends to net income (ytd only)* | 10.2362% | 3,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3231% | 1,896 |
| Loan loss allowance to noncurrent loans | 342.8571% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.2942% | 3,133 |
| Noncurrent loans to loans | 0.3859% | 3,023 |
| Net loans and leases to total assets | 75.2351% | 1,242 |
| Net loans and leases to deposits | 88.6958% | 1,485 |
| Net loans and leases to core deposits | 91.1838% | 1,971 |
| Total domestic deposits to total assets | 84.8237% | 2,462 |
| Equity capital to assets | 12.0239% | 1,642 |
| Core capital (leverage) ratio | 12.2688% | 1,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0740% | 1,471 |
| Memoranda: | ||
| Average total assets | $36,051,000 | 4,865 |
| Average earning assets | $34,232,667 | 4,836 |
| Average equity | $4,517,333 | 4,850 |
| Average total loans | $27,966,333 | 4,598 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3966% | 2,628 |
| Cost of funding earning assets | 1.2562% | 642 |
| Net interest margin | 3.1404% | 4,008 |
| Noninterest income to average assets | 0.2169% | 4,254 |
| Noninterest expense to average assets | 2.4541% | 3,410 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5935% | 3,611 |
| Return on assets (ROA) | 0.5935% | 3,667 |
| Pretax return on assets | 0.7305% | 3,593 |
| Return on Equity (ROE) | 4.6351% | 3,769 |
| Retained earnings to average equity (ytd only) | 4.6351% | 2,441 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0609% | 1,452 |
| Assets per employee ($millions) | 6.0150% | 1,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3563% | 1,881 |
| Loan loss allowance to noncurrent loans | 352.2936% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.3020% | 3,243 |
| Noncurrent loans to loans | 0.3850% | 3,112 |
| Net loans and leases to total assets | 77.3871% | 1,071 |
| Net loans and leases to deposits | 91.8808% | 1,297 |
| Net loans and leases to core deposits | 94.6136% | 1,916 |
| Total domestic deposits to total assets | 84.2255% | 2,704 |
| Equity capital to assets | 12.5076% | 1,724 |
| Core capital (leverage) ratio | 12.4900% | 1,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3484% | 1,518 |
| Memoranda: | ||
| Average total assets | $35,043,500 | 4,910 |
| Average earning assets | $33,116,500 | 4,889 |
| Average equity | $4,487,500 | 4,897 |
| Average total loans | $27,438,000 | 4,645 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5198% | 2,878 |
| Cost of funding earning assets | 1.1749% | 1,083 |
| Net interest margin | 3.3449% | 3,882 |
| Noninterest income to average assets | 0.3685% | 3,499 |
| Noninterest expense to average assets | 2.7664% | 2,704 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6040% | 4,148 |
| Return on assets (ROA) | 0.6040% | 4,209 |
| Pretax return on assets | 0.7490% | 4,085 |
| Return on Equity (ROE) | 4.4516% | 4,356 |
| Retained earnings to average equity (ytd only) | 0.1113% | 4,658 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6942% | 1,063 |
| Assets per employee ($millions) | 5.6662% | 1,905 |
| Cash dividends to net income (ytd only)* | 97.5000% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4456% | 1,374 |
| Loan loss allowance to noncurrent loans | 352.2936% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.3206% | 3,136 |
| Noncurrent loans to loans | 0.4103% | 2,969 |
| Net loans and leases to total assets | 77.0039% | 1,257 |
| Net loans and leases to deposits | 92.3259% | 1,327 |
| Net loans and leases to core deposits | 95.2622% | 1,963 |
| Total domestic deposits to total assets | 83.4044% | 3,066 |
| Equity capital to assets | 13.1217% | 1,448 |
| Core capital (leverage) ratio | 12.9771% | 1,244 |
| Tier 1 risk-based capital ratio | 15.8771% | 2,447 |
| Total risk-based capital ratio | 17.1299% | 2,389 |
| Memoranda: | ||
| Average total assets | $33,111,200 | 4,994 |
| Average earning assets | $31,151,800 | 4,972 |
| Average equity | $4,492,800 | 4,944 |
| Average total loans | $26,179,000 | 4,726 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4818% | 3,120 |
| Cost of funding earning assets | 1.1495% | 1,176 |
| Net interest margin | 3.3323% | 4,035 |
| Noninterest income to average assets | 0.3851% | 3,407 |
| Noninterest expense to average assets | 2.7647% | 2,673 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6121% | 4,268 |
| Return on assets (ROA) | 0.6121% | 4,315 |
| Pretax return on assets | 0.7581% | 4,218 |
| Return on Equity (ROE) | 4.4733% | 4,483 |
| Retained earnings to average equity (ytd only) | 2.2514% | 4,186 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4810% | 1,056 |
| Assets per employee ($millions) | 5.6545% | 1,884 |
| Cash dividends to net income (ytd only)* | 49.6697% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4603% | 1,360 |
| Loan loss allowance to noncurrent loans | 352.2936% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.3213% | 3,264 |
| Noncurrent loans to loans | 0.4145% | 3,061 |
| Net loans and leases to total assets | 76.3757% | 1,418 |
| Net loans and leases to deposits | 91.8865% | 1,448 |
| Net loans and leases to core deposits | 94.8150% | 2,099 |
| Total domestic deposits to total assets | 83.1196% | 3,122 |
| Equity capital to assets | 13.3699% | 1,423 |
| Core capital (leverage) ratio | 13.8644% | 1,021 |
| Tier 1 risk-based capital ratio | 16.3654% | 2,311 |
| Total risk-based capital ratio | 17.6173% | 2,242 |
| Memoranda: | ||
| Average total assets | $32,889,750 | 5,071 |
| Average earning assets | $30,968,750 | 5,049 |
| Average equity | $4,500,750 | 5,009 |
| Average total loans | $26,083,000 | 4,796 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4571% | 3,156 |
| Cost of funding earning assets | 1.1517% | 1,132 |
| Net interest margin | 3.3054% | 4,130 |
| Noninterest income to average assets | 0.3626% | 3,508 |
| Noninterest expense to average assets | 2.7163% | 2,855 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6268% | 4,228 |
| Return on assets (ROA) | 0.6268% | 4,273 |
| Pretax return on assets | 0.7682% | 4,175 |
| Return on Equity (ROE) | 4.5444% | 4,455 |
| Retained earnings to average equity (ytd only) | 2.0940% | 4,084 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9541% | 1,159 |
| Assets per employee ($millions) | 5.5945% | 1,876 |
| Cash dividends to net income (ytd only)* | 53.9216% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4531% | 1,404 |
| Loan loss allowance to noncurrent loans | 352.2936% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.3247% | 3,234 |
| Noncurrent loans to loans | 0.4125% | 3,054 |
| Net loans and leases to total assets | 77.5821% | 1,296 |
| Net loans and leases to deposits | 90.1887% | 1,717 |
| Net loans and leases to core deposits | 92.9806% | 2,330 |
| Total domestic deposits to total assets | 86.0220% | 2,025 |
| Equity capital to assets | 13.4328% | 1,357 |
| Core capital (leverage) ratio | 13.9559% | 977 |
| Tier 1 risk-based capital ratio | 16.2247% | 2,318 |
| Total risk-based capital ratio | 17.4769% | 2,270 |
| Memoranda: | ||
| Average total assets | $32,544,000 | 5,117 |
| Average earning assets | $30,737,670 | 5,090 |
| Average equity | $4,489,000 | 5,043 |
| Average total loans | $26,012,000 | 4,828 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5165% | 2,809 |
| Cost of funding earning assets | 1.1424% | 1,062 |
| Net interest margin | 3.3741% | 3,966 |
| Noninterest income to average assets | 0.3621% | 3,431 |
| Noninterest expense to average assets | 2.6973% | 2,912 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6993% | 3,935 |
| Return on assets (ROA) | 0.6993% | 3,977 |
| Pretax return on assets | 0.8367% | 3,956 |
| Return on Equity (ROE) | 5.0011% | 4,325 |
| Retained earnings to average equity (ytd only) | 5.0011% | 2,905 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3251% | 1,464 |
| Assets per employee ($millions) | 5.4288% | 2,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4826% | 1,388 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 78.3379% | 1,099 |
| Net loans and leases to deposits | 91.4555% | 1,460 |
| Net loans and leases to core deposits | 94.3781% | 2,090 |
| Total domestic deposits to total assets | 85.6568% | 2,420 |
| Equity capital to assets | 13.8428% | 1,093 |
| Core capital (leverage) ratio | 13.6856% | 1,034 |
| Tier 1 risk-based capital ratio | 16.5008% | 2,267 |
| Total risk-based capital ratio | 17.7523% | 2,216 |
| Memoranda: | ||
| Average total assets | $32,032,500 | 5,175 |
| Average earning assets | $30,112,000 | 5,152 |
| Average equity | $4,479,000 | 5,090 |
| Average total loans | $25,805,000 | 4,888 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1728% | 3,518 |
| Cost of funding earning assets | 0.8325% | 1,374 |
| Net interest margin | 3.3403% | 4,153 |
| Noninterest income to average assets | 0.4341% | 3,210 |
| Noninterest expense to average assets | 2.6352% | 3,228 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5747% | 4,491 |
| Return on assets (ROA) | 0.5747% | 4,493 |
| Pretax return on assets | 0.8285% | 4,095 |
| Return on Equity (ROE) | 4.1961% | 4,659 |
| Retained earnings to average equity (ytd only) | 0.1786% | 4,933 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0812% | 1,349 |
| Assets per employee ($millions) | 5.2487% | 2,204 |
| Cash dividends to net income (ytd only)* | 95.7447% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4936% | 1,313 |
| 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 | 80.4172% | 878 |
| Net loans and leases to deposits | 94.1870% | 1,255 |
| Net loans and leases to core deposits | 97.2991% | 1,943 |
| Total domestic deposits to total assets | 85.3804% | 2,475 |
| Equity capital to assets | 14.1274% | 932 |
| Core capital (leverage) ratio | 13.9932% | 926 |
| Tier 1 risk-based capital ratio | 16.4753% | 2,247 |
| Total risk-based capital ratio | 17.7270% | 2,184 |
| Memoranda: | ||
| Average total assets | $32,711,600 | 5,208 |
| Average earning assets | $29,668,200 | 5,201 |
| Average equity | $4,480,400 | 5,110 |
| Average total loans | $25,084,400 | 4,934 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0809% | 3,697 |
| Cost of funding earning assets | 0.7652% | 1,507 |
| Net interest margin | 3.3158% | 4,240 |
| Noninterest income to average assets | 0.4523% | 3,150 |
| Noninterest expense to average assets | 2.6491% | 3,125 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5613% | 4,616 |
| Return on assets (ROA) | 0.5613% | 4,620 |
| Pretax return on assets | 0.7955% | 4,305 |
| Return on Equity (ROE) | 4.1292% | 4,791 |
| Retained earnings to average equity (ytd only) | 2.6438% | 4,358 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9050% | 1,241 |
| Assets per employee ($millions) | 5.2783% | 2,142 |
| Cash dividends to net income (ytd only)* | 35.9737% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5405% | 1,223 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 77.4961% | 1,416 |
| Net loans and leases to deposits | 90.9438% | 1,767 |
| Net loans and leases to core deposits | 93.9229% | 2,293 |
| Total domestic deposits to total assets | 85.2131% | 2,522 |
| Equity capital to assets | 14.2974% | 880 |
| Core capital (leverage) ratio | 14.3468% | 851 |
| Tier 1 risk-based capital ratio | 17.2141% | 2,013 |
| Total risk-based capital ratio | 18.4649% | 1,966 |
| Memoranda: | ||
| Average total assets | $33,016,500 | 5,273 |
| Average earning assets | $29,796,250 | 5,266 |
| Average equity | $4,488,250 | 5,175 |
| Average total loans | $24,928,250 | 4,996 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0429% | 3,639 |
| Cost of funding earning assets | 0.7547% | 1,350 |
| Net interest margin | 3.2883% | 4,284 |
| Noninterest income to average assets | 0.4721% | 3,023 |
| Noninterest expense to average assets | 2.6176% | 3,274 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5438% | 4,639 |
| Return on assets (ROA) | 0.5438% | 4,646 |
| Pretax return on assets | 0.7709% | 4,333 |
| Return on Equity (ROE) | 4.0670% | 4,798 |
| Retained earnings to average equity (ytd only) | 2.7263% | 4,159 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2487% | 1,279 |
| Assets per employee ($millions) | 5.7970% | 1,639 |
| Cash dividends to net income (ytd only)* | 32.9670% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5700% | 1,176 |
| 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 | 69.2168% | 2,689 |
| Net loans and leases to deposits | 81.0170% | 2,851 |
| Net loans and leases to core deposits | 83.4142% | 3,128 |
| Total domestic deposits to total assets | 85.4350% | 2,519 |
| Equity capital to assets | 12.9377% | 1,327 |
| Core capital (leverage) ratio | 13.9752% | 914 |
| Tier 1 risk-based capital ratio | 16.8533% | 2,147 |
| Total risk-based capital ratio | 18.1042% | 2,097 |
| Memoranda: | ||
| Average total assets | $33,465,330 | 5,330 |
| Average earning assets | $29,681,330 | 5,333 |
| Average equity | $4,475,000 | 5,236 |
| Average total loans | $24,928,670 | 5,059 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8947% | 3,941 |
| Cost of funding earning assets | 0.7400% | 1,240 |
| Net interest margin | 3.1547% | 4,592 |
| Noninterest income to average assets | 0.5243% | 2,662 |
| Noninterest expense to average assets | 2.8165% | 2,644 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5243% | 4,636 |
| Return on assets (ROA) | 0.5243% | 4,638 |
| Pretax return on assets | 0.6706% | 4,518 |
| Return on Equity (ROE) | 3.8543% | 4,801 |
| Retained earnings to average equity (ytd only) | 3.8543% | 3,651 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7692% | 1,064 |
| Assets per employee ($millions) | 5.4467% | 1,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5644% | 1,240 |
| 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 | 73.9351% | 1,864 |
| Net loans and leases to deposits | 87.6737% | 1,971 |
| Net loans and leases to core deposits | 90.4673% | 2,415 |
| Total domestic deposits to total assets | 84.3299% | 3,179 |
| Equity capital to assets | 13.7148% | 976 |
| Core capital (leverage) ratio | 13.2678% | 1,086 |
| Tier 1 risk-based capital ratio | 17.0095% | 2,116 |
| Total risk-based capital ratio | 18.2619% | 2,067 |
| Memoranda: | ||
| Average total assets | $32,807,000 | 5,397 |
| Average earning assets | $30,811,000 | 5,376 |
| Average equity | $4,462,500 | 5,291 |
| Average total loans | $25,163,500 | 5,098 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8692% | 3,828 |
| Cost of funding earning assets | 0.5985% | 1,602 |
| Net interest margin | 3.2707% | 4,248 |
| Noninterest income to average assets | 0.4685% | 3,202 |
| Noninterest expense to average assets | 2.6851% | 3,178 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5767% | 4,108 |
| Return on assets (ROA) | 0.5767% | 4,147 |
| Pretax return on assets | 0.8530% | 4,083 |
| Return on Equity (ROE) | 4.2792% | 4,414 |
| Retained earnings to average equity (ytd only) | 0.2675% | 4,919 |
| Net charge-offs to loans | -0.0314% | 5,073 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8913% | 1,632 |
| Assets per employee ($millions) | 5.4890% | 1,948 |
| Cash dividends to net income (ytd only)* | 93.7500% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4895% | 1,442 |
| Loan loss allowance to noncurrent loans | 133.7979% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 0.8714% | 1,787 |
| Noncurrent loans to loans | 1.1132% | 1,584 |
| Net loans and leases to total assets | 77.1148% | 1,405 |
| Net loans and leases to deposits | 91.1561% | 1,633 |
| Net loans and leases to core deposits | 94.0177% | 2,192 |
| Total domestic deposits to total assets | 84.5965% | 2,994 |
| Equity capital to assets | 13.4906% | 1,069 |
| Core capital (leverage) ratio | 13.2678% | 1,048 |
| Tier 1 risk-based capital ratio | 16.2307% | 2,353 |
| Total risk-based capital ratio | 17.4837% | 2,291 |
| Memoranda: | ||
| Average total assets | $33,295,200 | 5,445 |
| Average earning assets | $31,247,000 | 5,419 |
| Average equity | $4,486,800 | 5,348 |
| Average total loans | $25,475,200 | 5,144 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8596% | 3,796 |
| Cost of funding earning assets | 0.5860% | 1,634 |
| Net interest margin | 3.2737% | 4,249 |
| Noninterest income to average assets | 0.4912% | 3,081 |
| Noninterest expense to average assets | 2.5799% | 3,468 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6709% | 4,116 |
| Return on assets (ROA) | 0.6709% | 4,173 |
| Pretax return on assets | 0.9904% | 3,722 |
| Return on Equity (ROE) | 4.9800% | 4,537 |
| Retained earnings to average equity (ytd only) | 3.6463% | 3,755 |
| Net charge-offs to loans | -0.0420% | 5,110 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2595% | 2,167 |
| Assets per employee ($millions) | 5.4440% | 1,977 |
| Cash dividends to net income (ytd only)* | 26.7869% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5234% | 1,449 |
| 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 | 75.9919% | 1,593 |
| Net loans and leases to deposits | 90.3308% | 1,772 |
| Net loans and leases to core deposits | 93.1967% | 2,331 |
| Total domestic deposits to total assets | 84.1263% | 3,072 |
| Equity capital to assets | 13.9542% | 1,011 |
| Core capital (leverage) ratio | 13.4438% | 1,046 |
| Tier 1 risk-based capital ratio | 17.1122% | 2,126 |
| Total risk-based capital ratio | 18.3661% | 2,083 |
| Memoranda: | ||
| Average total assets | $33,385,500 | 5,507 |
| Average earning assets | $31,401,250 | 5,478 |
| Average equity | $4,497,750 | 5,402 |
| Average total loans | $25,398,750 | 5,201 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7780% | 3,971 |
| Cost of funding earning assets | 0.5569% | 1,731 |
| Net interest margin | 3.2211% | 4,349 |
| Noninterest income to average assets | 0.5175% | 2,912 |
| Noninterest expense to average assets | 2.4505% | 3,916 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7613% | 3,583 |
| Return on assets (ROA) | 0.7613% | 3,633 |
| Pretax return on assets | 1.0944% | 3,205 |
| Return on Equity (ROE) | 5.7173% | 4,169 |
| Retained earnings to average equity (ytd only) | 3.7073% | 3,491 |
| Net charge-offs to loans | -0.0628% | 5,263 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1275% | 2,822 |
| Assets per employee ($millions) | 7.0576% | 904 |
| Cash dividends to net income (ytd only)* | 35.1563% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4990% | 1,581 |
| 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 | 71.5059% | 2,282 |
| Net loans and leases to deposits | 83.6693% | 2,525 |
| Net loans and leases to core deposits | 84.3913% | 3,028 |
| Total domestic deposits to total assets | 85.4625% | 2,628 |
| Equity capital to assets | 12.8032% | 1,469 |
| Core capital (leverage) ratio | 13.2411% | 1,084 |
| Tier 1 risk-based capital ratio | 16.4488% | 2,340 |
| Total risk-based capital ratio | 17.7012% | 2,290 |
| Memoranda: | ||
| Average total assets | $33,626,000 | 5,549 |
| Average earning assets | $31,604,000 | 5,521 |
| Average equity | $4,477,670 | 5,447 |
| Average total loans | $25,463,000 | 5,235 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8139% | 3,717 |
| Cost of funding earning assets | 0.5337% | 1,838 |
| Net interest margin | 3.2802% | 4,082 |
| Noninterest income to average assets | 0.5977% | 2,427 |
| Noninterest expense to average assets | 2.4028% | 4,101 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9026% | 2,749 |
| Return on assets (ROA) | 0.9026% | 2,806 |
| Pretax return on assets | 1.2685% | 2,355 |
| Return on Equity (ROE) | 6.6405% | 3,585 |
| Retained earnings to average equity (ytd only) | 4.3971% | 3,227 |
| Net charge-offs to loans | -0.1261% | 5,517 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4485% | 3,581 |
| Assets per employee ($millions) | 5.5933% | 1,807 |
| Cash dividends to net income (ytd only)* | 33.7838% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5144% | 1,647 |
| 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 | 74.4130% | 1,675 |
| Net loans and leases to deposits | 87.6461% | 1,845 |
| Net loans and leases to core deposits | 88.4470% | 2,503 |
| Total domestic deposits to total assets | 84.9017% | 3,127 |
| Equity capital to assets | 13.3492% | 1,128 |
| Core capital (leverage) ratio | 13.5196% | 972 |
| Tier 1 risk-based capital ratio | 16.5809% | 2,327 |
| Total risk-based capital ratio | 17.8319% | 2,280 |
| Memoranda: | ||
| Average total assets | $32,795,000 | 5,624 |
| Average earning assets | $30,730,000 | 5,602 |
| Average equity | $4,457,500 | 5,502 |
| Average total loans | $25,386,000 | 5,286 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9032% | 3,561 |
| Cost of funding earning assets | 0.5026% | 2,070 |
| Net interest margin | 3.4006% | 3,827 |
| Noninterest income to average assets | 0.4788% | 3,356 |
| Noninterest expense to average assets | 2.9933% | 2,373 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4065% | 4,916 |
| Return on assets (ROA) | 0.4065% | 5,000 |
| Pretax return on assets | 0.6234% | 4,727 |
| Return on Equity (ROE) | 3.0360% | 5,147 |
| Retained earnings to average equity (ytd only) | 0.6747% | 5,055 |
| Net charge-offs to loans | 0.0515% | 3,011 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 15.9231% | 2,158 |
| Efficiency ratio | 82.7644% | 1,118 |
| Assets per employee ($millions) | 5.3383% | 2,015 |
| Cash dividends to net income (ytd only)* | 77.7778% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4794% | 1,757 |
| 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 | 78.1736% | 1,179 |
| Net loans and leases to deposits | 92.6170% | 1,355 |
| Net loans and leases to core deposits | 93.5059% | 2,158 |
| Total domestic deposits to total assets | 84.4052% | 3,269 |
| Equity capital to assets | 13.8464% | 940 |
| Core capital (leverage) ratio | 13.2975% | 1,031 |
| Tier 1 risk-based capital ratio | 16.4538% | 2,366 |
| Total risk-based capital ratio | 17.7052% | 2,305 |
| Memoranda: | ||
| Average total assets | $33,207,200 | 5,668 |
| Average earning assets | $30,641,400 | 5,652 |
| Average equity | $4,446,600 | 5,564 |
| Average total loans | $25,228,600 | 5,341 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8692% | 3,699 |
| Cost of funding earning assets | 0.4896% | 2,177 |
| Net interest margin | 3.3795% | 3,919 |
| Noninterest income to average assets | 0.5015% | 3,237 |
| Noninterest expense to average assets | 2.8416% | 2,862 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5213% | 4,612 |
| Return on assets (ROA) | 0.5213% | 4,715 |
| Pretax return on assets | 0.7641% | 4,426 |
| Return on Equity (ROE) | 3.9254% | 4,930 |
| Retained earnings to average equity (ytd only) | 1.3784% | 4,957 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8079% | 1,578 |
| Assets per employee ($millions) | 4.6790% | 2,784 |
| Cash dividends to net income (ytd only)* | 64.8861% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4854% | 1,816 |
| Loan loss allowance to noncurrent loans | 9,725.0000% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.0122% | 5,475 |
| Noncurrent loans to loans | 0.0153% | 5,338 |
| Net loans and leases to total assets | 78.7684% | 1,070 |
| Net loans and leases to deposits | 94.8318% | 1,166 |
| Net loans and leases to core deposits | 95.7327% | 2,022 |
| Total domestic deposits to total assets | 83.0611% | 3,563 |
| Equity capital to assets | 13.6171% | 1,192 |
| Core capital (leverage) ratio | 13.0536% | 1,168 |
| Tier 1 risk-based capital ratio | 16.1810% | 2,553 |
| Total risk-based capital ratio | 17.4324% | 2,503 |
| Memoranda: | ||
| Average total assets | $33,501,500 | 5,719 |
| Average earning assets | $30,772,500 | 5,709 |
| Average equity | $4,449,500 | 5,625 |
| Average total loans | $25,182,000 | 5,396 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8277% | 3,858 |
| Cost of funding earning assets | 0.4736% | 2,330 |
| Net interest margin | 3.3541% | 4,043 |
| Noninterest income to average assets | 0.4504% | 3,519 |
| Noninterest expense to average assets | 2.7733% | 3,122 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5096% | 4,643 |
| Return on assets (ROA) | 0.5096% | 4,753 |
| Pretax return on assets | 0.7407% | 4,491 |
| Return on Equity (ROE) | 3.8686% | 4,959 |
| Retained earnings to average equity (ytd only) | 2.0693% | 4,531 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9207% | 1,652 |
| Assets per employee ($millions) | 4.9193% | 2,390 |
| Cash dividends to net income (ytd only)* | 46.5116% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5044% | 1,841 |
| 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 | 73.9596% | 1,848 |
| Net loans and leases to deposits | 88.1307% | 1,981 |
| Net loans and leases to core deposits | 88.9184% | 2,646 |
| Total domestic deposits to total assets | 83.9204% | 3,299 |
| Equity capital to assets | 12.9636% | 1,525 |
| Core capital (leverage) ratio | 13.2412% | 1,070 |
| Tier 1 risk-based capital ratio | 15.9415% | 2,670 |
| Total risk-based capital ratio | 17.1923% | 2,605 |
| Memoranda: | ||
| Average total assets | $33,751,000 | 5,782 |
| Average earning assets | $30,827,670 | 5,778 |
| Average equity | $4,446,000 | 5,686 |
| Average total loans | $24,846,670 | 5,468 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9076% | 3,564 |
| Cost of funding earning assets | 0.4504% | 2,579 |
| Net interest margin | 3.4572% | 3,632 |
| Noninterest income to average assets | 0.4071% | 3,769 |
| Noninterest expense to average assets | 2.8495% | 2,892 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4789% | 4,712 |
| Return on assets (ROA) | 0.4789% | 4,809 |
| Pretax return on assets | 0.6825% | 4,580 |
| Return on Equity (ROE) | 3.6060% | 5,031 |
| Retained earnings to average equity (ytd only) | 3.6060% | 3,692 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6780% | 1,528 |
| Assets per employee ($millions) | 4.8429% | 2,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5805% | 1,678 |
| 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 | 71.4572% | 2,120 |
| Net loans and leases to deposits | 85.3800% | 2,139 |
| Net loans and leases to core deposits | 86.1543% | 2,735 |
| Total domestic deposits to total assets | 83.6932% | 3,638 |
| Equity capital to assets | 13.1504% | 1,338 |
| Core capital (leverage) ratio | 13.6371% | 933 |
| Tier 1 risk-based capital ratio | 16.5462% | 2,463 |
| Total risk-based capital ratio | 17.7978% | 2,415 |
| Memoranda: | ||
| Average total assets | $33,409,000 | 5,850 |
| Average earning assets | $30,197,500 | 5,845 |
| Average equity | $4,437,000 | 5,733 |
| Average total loans | $24,341,500 | 5,539 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6868% | 4,409 |
| Cost of funding earning assets | 0.4688% | 2,450 |
| Net interest margin | 3.2179% | 4,561 |
| Noninterest income to average assets | 0.4222% | 3,873 |
| Noninterest expense to average assets | 2.7688% | 3,355 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4192% | 4,988 |
| Return on assets (ROA) | 0.4192% | 5,072 |
| Pretax return on assets | 0.5910% | 4,868 |
| Return on Equity (ROE) | 3.2415% | 5,217 |
| Retained earnings to average equity (ytd only) | 0.5402% | 5,304 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4090% | 1,352 |
| Assets per employee ($millions) | 4.7026% | 2,726 |
| Cash dividends to net income (ytd only)* | 83.3333% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6161% | 1,558 |
| 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 | 71.9394% | 2,065 |
| Net loans and leases to deposits | 86.4965% | 2,061 |
| Net loans and leases to core deposits | 87.3064% | 2,670 |
| Total domestic deposits to total assets | 83.1703% | 3,786 |
| Equity capital to assets | 13.4152% | 1,157 |
| Core capital (leverage) ratio | 13.2607% | 1,056 |
| Tier 1 risk-based capital ratio | 16.8774% | 2,330 |
| Total risk-based capital ratio | 18.1306% | 2,277 |
| Memoranda: | ||
| Average total assets | $34,347,200 | 5,883 |
| Average earning assets | $31,355,400 | 5,872 |
| Average equity | $4,442,400 | 5,772 |
| Average total loans | $23,728,400 | 5,597 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6368% | 4,622 |
| Cost of funding earning assets | 0.4767% | 2,436 |
| Net interest margin | 3.1600% | 4,799 |
| Noninterest income to average assets | 0.4188% | 3,939 |
| Noninterest expense to average assets | 2.6663% | 3,675 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4726% | 4,884 |
| Return on assets (ROA) | 0.4726% | 4,987 |
| Pretax return on assets | 0.6301% | 4,896 |
| Return on Equity (ROE) | 3.6862% | 5,147 |
| Retained earnings to average equity (ytd only) | 2.7871% | 4,445 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8858% | 1,535 |
| Assets per employee ($millions) | 4.7106% | 2,681 |
| Cash dividends to net income (ytd only)* | 24.3902% | 3,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5827% | 1,847 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 73.3608% | 1,847 |
| Net loans and leases to deposits | 90.0495% | 1,643 |
| Net loans and leases to core deposits | 90.9057% | 2,367 |
| Total domestic deposits to total assets | 81.4672% | 4,344 |
| Equity capital to assets | 13.6138% | 1,172 |
| Core capital (leverage) ratio | 12.7930% | 1,274 |
| Tier 1 risk-based capital ratio | 16.8450% | 2,424 |
| Total risk-based capital ratio | 18.0962% | 2,385 |
| Memoranda: | ||
| Average total assets | $34,704,500 | 5,956 |
| Average earning assets | $31,602,250 | 5,943 |
| Average equity | $4,449,000 | 5,847 |
| Average total loans | $23,643,000 | 5,668 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5853% | 4,761 |
| Cost of funding earning assets | 0.4915% | 2,334 |
| Net interest margin | 3.0938% | 4,984 |
| Noninterest income to average assets | 0.4138% | 3,978 |
| Noninterest expense to average assets | 2.6076% | 3,878 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4252% | 5,063 |
| Return on assets (ROA) | 0.4252% | 5,165 |
| Pretax return on assets | 0.5895% | 5,007 |
| Return on Equity (ROE) | 3.3817% | 5,274 |
| Retained earnings to average equity (ytd only) | 3.3817% | 3,883 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5603% | 1,548 |
| Assets per employee ($millions) | 4.9843% | 2,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6924% | 1,617 |
| 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 | 64.7635% | 3,156 |
| Net loans and leases to deposits | 78.4420% | 2,975 |
| Net loans and leases to core deposits | 79.1343% | 3,473 |
| Total domestic deposits to total assets | 82.5623% | 4,104 |
| Equity capital to assets | 12.8146% | 1,482 |
| Core capital (leverage) ratio | 12.9117% | 1,206 |
| Tier 1 risk-based capital ratio | 17.2117% | 2,324 |
| Total risk-based capital ratio | 18.4640% | 2,275 |
| Memoranda: | ||
| Average total assets | $35,281,330 | 6,011 |
| Average earning assets | $31,741,000 | 6,005 |
| Average equity | $4,435,670 | 5,907 |
| Average total loans | $23,331,000 | 5,731 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5903% | 4,720 |
| Cost of funding earning assets | 0.4770% | 2,485 |
| Net interest margin | 3.1132% | 4,910 |
| Noninterest income to average assets | 0.4172% | 3,865 |
| Noninterest expense to average assets | 2.6271% | 3,832 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4284% | 4,952 |
| Return on assets (ROA) | 0.4284% | 5,079 |
| Pretax return on assets | 0.5863% | 4,954 |
| Return on Equity (ROE) | 3.4405% | 5,201 |
| Retained earnings to average equity (ytd only) | 3.4405% | 3,924 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7544% | 1,652 |
| Assets per employee ($millions) | 4.9629% | 2,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7240% | 1,677 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 63.8313% | 3,115 |
| Net loans and leases to deposits | 77.3025% | 2,908 |
| Net loans and leases to core deposits | 77.9876% | 3,378 |
| Total domestic deposits to total assets | 82.5734% | 4,312 |
| Equity capital to assets | 12.7749% | 1,525 |
| Core capital (leverage) ratio | 12.9761% | 1,162 |
| Tier 1 risk-based capital ratio | 17.4845% | 2,306 |
| Total risk-based capital ratio | 18.7359% | 2,263 |
| Memoranda: | ||
| Average total assets | $35,477,000 | 6,068 |
| Average earning assets | $31,864,000 | 6,061 |
| Average equity | $4,418,000 | 5,965 |
| Average total loans | $23,504,000 | 5,774 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8902% | 4,155 |
| Cost of funding earning assets | 0.4736% | 2,946 |
| Net interest margin | 3.4166% | 4,127 |
| Noninterest income to average assets | 0.5683% | 3,065 |
| Noninterest expense to average assets | 2.8927% | 3,172 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5618% | 4,547 |
| Return on assets (ROA) | 0.5618% | 4,637 |
| Pretax return on assets | 0.7095% | 4,584 |
| Return on Equity (ROE) | 5.0092% | 4,659 |
| Retained earnings to average equity (ytd only) | 4.1504% | 3,241 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3030% | 1,881 |
| Assets per employee ($millions) | 5.1734% | 2,098 |
| Cash dividends to net income (ytd only)* | 17.1429% | 3,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5914% | 2,121 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 66.4246% | 2,818 |
| Net loans and leases to deposits | 79.6787% | 2,763 |
| Net loans and leases to core deposits | 80.3467% | 3,254 |
| Total domestic deposits to total assets | 83.3655% | 3,957 |
| Equity capital to assets | 12.1445% | 1,910 |
| Core capital (leverage) ratio | 13.4443% | 989 |
| Tier 1 risk-based capital ratio | 16.1217% | 2,908 |
| Total risk-based capital ratio | 17.3737% | 2,844 |
| Memoranda: | ||
| Average total assets | $31,147,400 | 6,231 |
| Average earning assets | $27,659,400 | 6,226 |
| Average equity | $3,493,600 | 6,183 |
| Average total loans | $20,397,000 | 5,944 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9099% | 4,137 |
| Cost of funding earning assets | 0.4638% | 3,113 |
| Net interest margin | 3.4461% | 4,033 |
| Noninterest income to average assets | 0.4596% | 3,828 |
| Noninterest expense to average assets | 3.0342% | 2,693 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3927% | 5,269 |
| Return on assets (ROA) | 0.3927% | 5,352 |
| Pretax return on assets | 0.5087% | 5,305 |
| Return on Equity (ROE) | 3.5908% | 5,337 |
| Retained earnings to average equity (ytd only) | 2.3666% | 4,872 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6423% | 1,218 |
| Assets per employee ($millions) | 4.1887% | 3,507 |
| Cash dividends to net income (ytd only)* | 34.0919% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8441% | 1,589 |
| Loan loss allowance to noncurrent loans | 38,900.0000% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 6,195 |
| Noncurrent loans to loans | 0.0047% | 6,027 |
| Net loans and leases to total assets | 70.6149% | 2,092 |
| Net loans and leases to deposits | 86.8316% | 1,813 |
| Net loans and leases to core deposits | 86.8316% | 2,566 |
| Total domestic deposits to total assets | 81.3240% | 4,726 |
| Equity capital to assets | 12.9941% | 1,426 |
| Core capital (leverage) ratio | 13.2499% | 1,083 |
| Tier 1 risk-based capital ratio | 16.2864% | 2,910 |
| Total risk-based capital ratio | 17.5068% | 2,881 |
| Memoranda: | ||
| Average total assets | $29,880,750 | 6,327 |
| Average earning assets | $26,734,750 | 6,323 |
| Average equity | $3,267,500 | 6,290 |
| Average total loans | $19,385,250 | 6,050 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9386% | 3,981 |
| Cost of funding earning assets | 0.4568% | 3,243 |
| Net interest margin | 3.4818% | 3,848 |
| Noninterest income to average assets | 0.4523% | 3,858 |
| Noninterest expense to average assets | 2.9667% | 2,946 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4390% | 5,060 |
| Return on assets (ROA) | 0.4390% | 5,138 |
| Pretax return on assets | 0.5787% | 5,023 |
| Return on Equity (ROE) | 4.2765% | 5,031 |
| Retained earnings to average equity (ytd only) | 2.3326% | 4,717 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6773% | 1,552 |
| Assets per employee ($millions) | 4.8034% | 2,470 |
| Cash dividends to net income (ytd only)* | 45.4545% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1114% | 1,157 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 53.6373% | 4,583 |
| Net loans and leases to deposits | 62.4697% | 4,647 |
| Net loans and leases to core deposits | 62.4697% | 4,933 |
| Total domestic deposits to total assets | 85.8613% | 3,115 |
| Equity capital to assets | 9.1958% | 5,110 |
| Core capital (leverage) ratio | 10.9552% | 2,467 |
| Tier 1 risk-based capital ratio | 13.8617% | 4,342 |
| Total risk-based capital ratio | 15.1177% | 4,291 |
| Memoranda: | ||
| Average total assets | $30,067,330 | 6,381 |
| Average earning assets | $26,710,000 | 6,385 |
| Average equity | $3,086,670 | 6,375 |
| Average total loans | $18,815,670 | 6,125 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4218% | 2,057 |
| Cost of funding earning assets | 0.4967% | 2,940 |
| Net interest margin | 3.9252% | 1,993 |
| Noninterest income to average assets | 0.5232% | 3,246 |
| Noninterest expense to average assets | 3.1673% | 2,332 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6080% | 4,161 |
| Return on assets (ROA) | 0.6080% | 4,242 |
| Pretax return on assets | 0.8201% | 4,029 |
| Return on Equity (ROE) | 5.5772% | 4,246 |
| Retained earnings to average equity (ytd only) | 5.5772% | 2,754 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4326% | 2,283 |
| Assets per employee ($millions) | 3.9881% | 3,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0534% | 1,407 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 66.4649% | 2,489 |
| Net loans and leases to deposits | 80.1200% | 2,277 |
| Net loans and leases to core deposits | 80.1200% | 2,951 |
| Total domestic deposits to total assets | 82.9566% | 4,618 |
| Equity capital to assets | 11.1079% | 2,621 |
| Core capital (leverage) ratio | 10.9845% | 2,406 |
| Tier 1 risk-based capital ratio | 14.4638% | 4,023 |
| Total risk-based capital ratio | 15.7197% | 3,981 |
| Memoranda: | ||
| Average total assets | $28,289,000 | 6,487 |
| Average earning assets | $24,967,000 | 6,478 |
| Average equity | $3,084,000 | 6,429 |
| Average total loans | $19,011,500 | 6,182 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1396% | 3,582 |
| Cost of funding earning assets | 0.6292% | 2,396 |
| Net interest margin | 3.5104% | 3,849 |
| Noninterest income to average assets | 0.4371% | 4,180 |
| Noninterest expense to average assets | 3.2117% | 2,383 |
| Loan and lease loss provision to assets | -0.9261% | 6,792 |
| Net operating income to assets | 1.2298% | 1,451 |
| Return on assets (ROA) | 1.2298% | 1,516 |
| Pretax return on assets | 1.2928% | 2,186 |
| Return on Equity (ROE) | 11.7389% | 1,509 |
| Retained earnings to average equity (ytd only) | 11.7389% | 341 |
| Net charge-offs to loans | -0.0167% | 6,106 |
| Credit loss provision to net charge-offs | 8,333.3333% | 26 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7516% | 1,046 |
| Assets per employee ($millions) | 4.0944% | 3,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0389% | 1,464 |
| Loan loss allowance to noncurrent loans | 214.9171% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.6315% | 4,338 |
| Noncurrent loans to loans | 0.9487% | 3,615 |
| Net loans and leases to total assets | 65.2106% | 2,819 |
| Net loans and leases to deposits | 78.0702% | 2,716 |
| Net loans and leases to core deposits | 78.9007% | 3,251 |
| Total domestic deposits to total assets | 83.5281% | 4,350 |
| Equity capital to assets | 10.7010% | 2,933 |
| Core capital (leverage) ratio | 11.5114% | 1,953 |
| Tier 1 risk-based capital ratio | 14.0859% | 4,238 |
| Total risk-based capital ratio | 15.3124% | 4,198 |
| Memoranda: | ||
| Average total assets | $26,995,200 | 6,586 |
| Average earning assets | $24,156,800 | 6,572 |
| Average equity | $2,828,200 | 6,565 |
| Average total loans | $17,932,600 | 6,287 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1198% | 3,683 |
| Cost of funding earning assets | 0.6589% | 2,281 |
| Net interest margin | 3.4608% | 4,054 |
| Noninterest income to average assets | 0.4565% | 4,110 |
| Noninterest expense to average assets | 3.2707% | 2,144 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2709% | 5,709 |
| Return on assets (ROA) | 0.2709% | 5,816 |
| Pretax return on assets | 0.3210% | 5,820 |
| Return on Equity (ROE) | 2.6007% | 5,751 |
| Retained earnings to average equity (ytd only) | 2.6007% | 4,771 |
| Net charge-offs to loans | -0.0151% | 5,981 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0615% | 915 |
| Assets per employee ($millions) | 3.6103% | 4,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4851% | 341 |
| Loan loss allowance to noncurrent loans | 261.8852% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.9655% | 3,733 |
| Noncurrent loans to loans | 1.3308% | 3,197 |
| Net loans and leases to total assets | 70.0222% | 1,962 |
| Net loans and leases to deposits | 84.9870% | 1,745 |
| Net loans and leases to core deposits | 86.0282% | 2,407 |
| Total domestic deposits to total assets | 82.3916% | 4,796 |
| Equity capital to assets | 11.0676% | 2,700 |
| Core capital (leverage) ratio | 10.3343% | 3,191 |
| Tier 1 risk-based capital ratio | 13.7261% | 4,616 |
| Total risk-based capital ratio | 15.0020% | 4,556 |
| Memoranda: | ||
| Average total assets | $26,578,750 | 6,667 |
| Average earning assets | $24,078,500 | 6,649 |
| Average equity | $2,768,500 | 6,653 |
| Average total loans | $17,646,000 | 6,362 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9571% | 4,275 |
| Cost of funding earning assets | 0.6554% | 2,450 |
| Net interest margin | 3.3017% | 4,574 |
| Noninterest income to average assets | 0.4368% | 4,270 |
| Noninterest expense to average assets | 3.1317% | 2,575 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2665% | 5,726 |
| Return on assets (ROA) | 0.2665% | 5,859 |
| Pretax return on assets | 0.2887% | 5,905 |
| Return on Equity (ROE) | 2.6096% | 5,755 |
| Retained earnings to average equity (ytd only) | 2.6096% | 4,650 |
| Net charge-offs to loans | -0.0230% | 6,011 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5584% | 929 |
| Assets per employee ($millions) | 3.9277% | 3,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5198% | 362 |
| Loan loss allowance to noncurrent loans | 352.4862% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.6583% | 4,580 |
| Noncurrent loans to loans | 0.9986% | 3,937 |
| Net loans and leases to total assets | 63.6066% | 2,984 |
| Net loans and leases to deposits | 76.7758% | 2,759 |
| Net loans and leases to core deposits | 76.7758% | 3,458 |
| Total domestic deposits to total assets | 82.8472% | 4,760 |
| Equity capital to assets | 10.0895% | 3,806 |
| Core capital (leverage) ratio | 9.9567% | 3,578 |
| Tier 1 risk-based capital ratio | 13.4593% | 4,798 |
| Total risk-based capital ratio | 14.7334% | 4,737 |
| Memoranda: | ||
| Average total assets | $27,014,330 | 6,708 |
| Average earning assets | $24,412,000 | 6,691 |
| Average equity | $2,759,000 | 6,707 |
| Average total loans | $17,416,330 | 6,408 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9302% | 4,367 |
| Cost of funding earning assets | 0.6661% | 2,517 |
| Net interest margin | 3.2641% | 4,661 |
| Noninterest income to average assets | 0.4332% | 4,228 |
| Noninterest expense to average assets | 3.1523% | 2,507 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1942% | 5,915 |
| Return on assets (ROA) | 0.1942% | 6,024 |
| Pretax return on assets | 0.2092% | 6,059 |
| Return on Equity (ROE) | 1.8899% | 5,972 |
| Retained earnings to average equity (ytd only) | 1.8899% | 5,049 |
| Net charge-offs to loans | -0.0469% | 6,104 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7778% | 849 |
| Assets per employee ($millions) | 4.0414% | 3,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8429% | 323 |
| Loan loss allowance to noncurrent loans | 352.4862% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.6398% | 4,776 |
| Noncurrent loans to loans | 1.0902% | 3,967 |
| Net loans and leases to total assets | 56.4298% | 4,020 |
| Net loans and leases to deposits | 67.6785% | 3,807 |
| Net loans and leases to core deposits | 67.6785% | 4,343 |
| Total domestic deposits to total assets | 83.3793% | 4,721 |
| Equity capital to assets | 9.7420% | 4,508 |
| Core capital (leverage) ratio | 9.9403% | 3,475 |
| Tier 1 risk-based capital ratio | 14.3113% | 4,281 |
| Total risk-based capital ratio | 15.5879% | 4,237 |
| Memoranda: | ||
| Average total assets | $26,774,500 | 6,780 |
| Average earning assets | $24,019,000 | 6,765 |
| Average equity | $2,751,500 | 6,775 |
| Average total loans | $17,061,500 | 6,485 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6955% | 2,614 |
| Cost of funding earning assets | 0.6534% | 3,885 |
| Net interest margin | 4.0421% | 2,230 |
| Noninterest income to average assets | 0.3530% | 4,942 |
| Noninterest expense to average assets | 3.2596% | 2,452 |
| Loan and lease loss provision to assets | -0.5884% | 7,049 |
| Net operating income to assets | 0.9375% | 2,611 |
| Return on assets (ROA) | 0.9375% | 2,860 |
| Pretax return on assets | 1.3219% | 2,317 |
| Return on Equity (ROE) | 8.9480% | 2,666 |
| Retained earnings to average equity (ytd only) | 5.2040% | 2,570 |
| Net charge-offs to loans | -0.0248% | 6,586 |
| Credit loss provision to net charge-offs | 3,750.0000% | 64 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6306% | 1,923 |
| Assets per employee ($millions) | 3.6084% | 4,762 |
| Cash dividends to net income (ytd only)* | 41.8410% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6299% | 385 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 66.8475% | 2,393 |
| Net loans and leases to deposits | 82.3739% | 1,951 |
| Net loans and leases to core deposits | 82.3739% | 2,731 |
| Total domestic deposits to total assets | 81.1513% | 5,359 |
| Equity capital to assets | 10.8753% | 3,098 |
| Core capital (leverage) ratio | 10.4643% | 2,812 |
| Tier 1 risk-based capital ratio | 14.0034% | 4,383 |
| Total risk-based capital ratio | 15.2793% | 4,323 |
| Memoranda: | ||
| Average total assets | $25,493,800 | 6,858 |
| Average earning assets | $22,958,200 | 6,839 |
| Average equity | $2,671,000 | 6,848 |
| Average total loans | $16,114,600 | 6,595 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6467% | 3,030 |
| Cost of funding earning assets | 0.6663% | 4,052 |
| Net interest margin | 3.9804% | 2,575 |
| Noninterest income to average assets | 0.3339% | 5,133 |
| Noninterest expense to average assets | 3.2612% | 2,385 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4592% | 4,998 |
| Return on assets (ROA) | 0.4592% | 5,247 |
| Pretax return on assets | 0.6575% | 4,986 |
| Return on Equity (ROE) | 4.4242% | 5,085 |
| Retained earnings to average equity (ytd only) | 4.4242% | 3,780 |
| Net charge-offs to loans | -0.0338% | 6,607 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2224% | 1,679 |
| Assets per employee ($millions) | 3.5264% | 4,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8283% | 162 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 62.7628% | 3,248 |
| Net loans and leases to deposits | 73.7341% | 3,331 |
| Net loans and leases to core deposits | 73.7341% | 4,006 |
| Total domestic deposits to total assets | 85.1205% | 3,697 |
| Equity capital to assets | 10.9216% | 3,354 |
| Core capital (leverage) ratio | 10.2488% | 3,226 |
| Tier 1 risk-based capital ratio | 14.6152% | 4,108 |
| Total risk-based capital ratio | 15.9007% | 4,051 |
| Memoranda: | ||
| Average total assets | $25,552,500 | 6,938 |
| Average earning assets | $23,012,000 | 6,927 |
| Average equity | $2,652,000 | 6,937 |
| Average total loans | $15,763,000 | 6,697 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5982% | 3,371 |
| Cost of funding earning assets | 0.6742% | 4,237 |
| Net interest margin | 3.9240% | 2,815 |
| Noninterest income to average assets | 0.3251% | 5,227 |
| Noninterest expense to average assets | 3.2273% | 2,501 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4876% | 4,878 |
| Return on assets (ROA) | 0.4876% | 5,127 |
| Pretax return on assets | 0.6114% | 5,096 |
| Return on Equity (ROE) | 4.7776% | 4,919 |
| Retained earnings to average equity (ytd only) | 4.7776% | 3,428 |
| Net charge-offs to loans | -0.0385% | 6,595 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0726% | 1,626 |
| Assets per employee ($millions) | 3.6024% | 4,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0593% | 158 |
| 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 | 58.4169% | 4,100 |
| Net loans and leases to deposits | 68.2085% | 4,162 |
| Net loans and leases to core deposits | 68.2085% | 4,760 |
| Total domestic deposits to total assets | 85.6446% | 3,539 |
| Equity capital to assets | 10.5722% | 3,598 |
| Core capital (leverage) ratio | 10.3016% | 3,044 |
| Tier 1 risk-based capital ratio | 15.0973% | 3,711 |
| Total risk-based capital ratio | 16.3866% | 3,642 |
| Memoranda: | ||
| Average total assets | $25,841,670 | 6,989 |
| Average earning assets | $23,139,670 | 6,983 |
| Average equity | $2,637,330 | 6,982 |
| Average total loans | $15,591,000 | 6,760 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5386% | 3,762 |
| Cost of funding earning assets | 0.7193% | 4,114 |
| Net interest margin | 3.8193% | 3,295 |
| Noninterest income to average assets | 0.3212% | 5,306 |
| Noninterest expense to average assets | 3.2576% | 2,420 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4129% | 5,203 |
| Return on assets (ROA) | 0.4129% | 5,390 |
| Pretax return on assets | 0.4741% | 5,508 |
| Return on Equity (ROE) | 4.1174% | 5,240 |
| Retained earnings to average equity (ytd only) | 4.1174% | 4,121 |
| Net charge-offs to loans | -0.0512% | 6,541 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2951% | 1,356 |
| Assets per employee ($millions) | 3.6921% | 4,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2816% | 137 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 54.4012% | 4,654 |
| Net loans and leases to deposits | 63.2081% | 4,744 |
| Net loans and leases to core deposits | 63.2081% | 5,201 |
| Total domestic deposits to total assets | 86.0669% | 3,491 |
| Equity capital to assets | 10.1993% | 3,851 |
| Core capital (leverage) ratio | 9.8575% | 3,559 |
| Tier 1 risk-based capital ratio | 15.2176% | 3,611 |
| Total risk-based capital ratio | 16.5118% | 3,543 |
| Memoranda: | ||
| Average total assets | $26,154,000 | 7,044 |
| Average earning assets | $23,355,000 | 7,040 |
| Average equity | $2,623,000 | 7,034 |
| Average total loans | $15,628,500 | 6,812 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8658% | 3,520 |
| Cost of funding earning assets | 0.8924% | 4,175 |
| Net interest margin | 3.9734% | 3,009 |
| Noninterest income to average assets | 0.7302% | 2,441 |
| Noninterest expense to average assets | 3.1733% | 2,953 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.0215% | 2,123 |
| Return on assets (ROA) | 1.0215% | 2,267 |
| Pretax return on assets | 1.1885% | 2,497 |
| Return on Equity (ROE) | 10.6478% | 1,821 |
| Retained earnings to average equity (ytd only) | 10.6478% | 456 |
| Net charge-offs to loans | 0.2625% | 4,128 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 7.4634% | 2,330 |
| Efficiency ratio | 72.7516% | 3,436 |
| Assets per employee ($millions) | 3.7804% | 4,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7645% | 207 |
| 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 | 59.0674% | 4,184 |
| Net loans and leases to deposits | 69.8967% | 4,118 |
| Net loans and leases to core deposits | 69.8967% | 4,787 |
| Total domestic deposits to total assets | 84.5067% | 4,092 |
| Equity capital to assets | 9.8628% | 4,351 |
| Core capital (leverage) ratio | 9.3301% | 4,281 |
| Tier 1 risk-based capital ratio | 14.0845% | 4,267 |
| Total risk-based capital ratio | 15.3719% | 4,190 |
| Memoranda: | ||
| Average total assets | $25,745,800 | 7,079 |
| Average earning assets | $23,531,600 | 7,060 |
| Average equity | $2,470,000 | 7,128 |
| Average total loans | $15,619,200 | 6,873 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8687% | 3,686 |
| Cost of funding earning assets | 0.9125% | 4,321 |
| Net interest margin | 3.9562% | 3,124 |
| Noninterest income to average assets | 0.8761% | 1,736 |
| Noninterest expense to average assets | 3.2124% | 2,795 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.2516% | 1,513 |
| Return on assets (ROA) | 1.2516% | 1,615 |
| Pretax return on assets | 1.3037% | 2,272 |
| Return on Equity (ROE) | 13.1413% | 1,241 |
| Retained earnings to average equity (ytd only) | 13.1413% | 366 |
| Net charge-offs to loans | 0.1902% | 4,273 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 11.3648% | 1,813 |
| Efficiency ratio | 71.1316% | 3,715 |
| Assets per employee ($millions) | 3.5757% | 4,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4045% | 142 |
| Loan loss allowance to noncurrent loans | 4,005.0000% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0799% | 6,856 |
| Noncurrent loans to loans | 0.1349% | 6,600 |
| Net loans and leases to total assets | 56.0128% | 4,840 |
| Net loans and leases to deposits | 66.8351% | 4,782 |
| Net loans and leases to core deposits | 66.8351% | 5,328 |
| Total domestic deposits to total assets | 83.8074% | 4,319 |
| Equity capital to assets | 10.3436% | 3,906 |
| Core capital (leverage) ratio | 9.8429% | 3,660 |
| Tier 1 risk-based capital ratio | 15.1562% | 3,576 |
| Total risk-based capital ratio | 16.4526% | 3,510 |
| Memoranda: | ||
| Average total assets | $25,566,500 | 7,159 |
| Average earning assets | $23,523,750 | 7,134 |
| Average equity | $2,435,000 | 7,198 |
| Average total loans | $15,420,750 | 6,949 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5292% | 5,267 |
| Cost of funding earning assets | 0.9278% | 4,468 |
| Net interest margin | 3.6015% | 4,713 |
| Noninterest income to average assets | 0.6292% | 2,953 |
| Noninterest expense to average assets | 3.0374% | 3,494 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9089% | 2,604 |
| Return on assets (ROA) | 0.9089% | 2,705 |
| Pretax return on assets | 0.9089% | 3,582 |
| Return on Equity (ROE) | 9.8168% | 2,180 |
| Retained earnings to average equity (ytd only) | 9.8168% | 892 |
| Net charge-offs to loans | 0.2689% | 3,541 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 5.5714% | 2,582 |
| Efficiency ratio | 76.9685% | 2,868 |
| Assets per employee ($millions) | 4.3823% | 3,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1729% | 165 |
| Loan loss allowance to noncurrent loans | 538.2550% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.5667% | 5,789 |
| Noncurrent loans to loans | 0.9610% | 5,068 |
| Net loans and leases to total assets | 55.9139% | 5,011 |
| Net loans and leases to deposits | 65.6691% | 5,050 |
| Net loans and leases to core deposits | 65.6691% | 5,546 |
| Total domestic deposits to total assets | 85.1449% | 3,814 |
| Equity capital to assets | 9.3291% | 5,104 |
| Core capital (leverage) ratio | 9.3068% | 4,245 |
| Tier 1 risk-based capital ratio | 13.8061% | 4,301 |
| Total risk-based capital ratio | 15.0987% | 4,241 |
| Memoranda: | ||
| Average total assets | $25,745,330 | 7,218 |
| Average earning assets | $23,712,670 | 7,194 |
| Average equity | $2,383,670 | 7,273 |
| Average total loans | $15,620,670 | 7,004 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5026% | 5,328 |
| Cost of funding earning assets | 0.9275% | 4,731 |
| Net interest margin | 3.5751% | 4,685 |
| Noninterest income to average assets | 0.8166% | 1,964 |
| Noninterest expense to average assets | 3.1251% | 3,157 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0208% | 2,102 |
| Return on assets (ROA) | 1.0208% | 2,153 |
| Pretax return on assets | 1.0208% | 3,054 |
| Return on Equity (ROE) | 11.0685% | 1,716 |
| Retained earnings to average equity (ytd only) | 11.0685% | 889 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3788% | 3,269 |
| Assets per employee ($millions) | 4.2747% | 3,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4245% | 145 |
| Loan loss allowance to noncurrent loans | 504.9080% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.6355% | 5,681 |
| Noncurrent loans to loans | 1.0743% | 4,901 |
| Net loans and leases to total assets | 55.9459% | 4,998 |
| Net loans and leases to deposits | 65.8090% | 5,001 |
| Net loans and leases to core deposits | 65.8090% | 5,531 |
| Total domestic deposits to total assets | 85.0125% | 4,026 |
| Equity capital to assets | 9.2873% | 4,748 |
| Core capital (leverage) ratio | 9.4806% | 3,841 |
| Tier 1 risk-based capital ratio | 13.8802% | 4,152 |
| Total risk-based capital ratio | 15.1731% | 4,096 |
| Memoranda: | ||
| Average total assets | $25,471,000 | 7,278 |
| Average earning assets | $23,719,500 | 7,239 |
| Average equity | $2,349,000 | 7,327 |
| Average total loans | $15,679,000 | 7,049 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2823% | 3,210 |
| Cost of funding earning assets | 1.4508% | 2,948 |
| Net interest margin | 3.8316% | 3,813 |
| Noninterest income to average assets | 0.4875% | 4,266 |
| Noninterest expense to average assets | 3.5025% | 2,165 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.4463% | 4,329 |
| Return on assets (ROA) | 0.4463% | 4,497 |
| Pretax return on assets | 0.4613% | 4,761 |
| Return on Equity (ROE) | 5.6759% | 3,742 |
| Retained earnings to average equity (ytd only) | 5.6759% | 2,001 |
| Net charge-offs to loans | 0.0397% | 6,411 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 17.5714% | 1,141 |
| Efficiency ratio | 88.3633% | 1,447 |
| Assets per employee ($millions) | 4.2157% | 3,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0846% | 183 |
| Loan loss allowance to noncurrent loans | 268.9542% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 1.2098% | 4,605 |
| Noncurrent loans to loans | 1.8905% | 3,698 |
| Net loans and leases to total assets | 60.7377% | 4,539 |
| Net loans and leases to deposits | 73.8286% | 4,221 |
| Net loans and leases to core deposits | 73.8286% | 4,996 |
| Total domestic deposits to total assets | 82.2685% | 5,101 |
| Equity capital to assets | 9.1563% | 4,908 |
| Core capital (leverage) ratio | 8.6357% | 5,134 |
| Tier 1 risk-based capital ratio | 12.7654% | 4,804 |
| Total risk-based capital ratio | 14.0769% | 4,715 |
| Memoranda: | ||
| Average total assets | $26,666,600 | 7,299 |
| Average earning assets | $24,193,800 | 7,281 |
| Average equity | $2,096,600 | 7,489 |
| Average total loans | $17,644,400 | 7,053 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4016% | 2,873 |
| Cost of funding earning assets | 1.5175% | 2,864 |
| Net interest margin | 3.8841% | 3,591 |
| Noninterest income to average assets | 0.5381% | 3,879 |
| Noninterest expense to average assets | 3.4802% | 2,079 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.5430% | 4,118 |
| Return on assets (ROA) | 0.5430% | 4,291 |
| Pretax return on assets | 0.5578% | 4,731 |
| Return on Equity (ROE) | 7.1831% | 3,265 |
| Retained earnings to average equity (ytd only) | 7.1831% | 1,762 |
| Net charge-offs to loans | 0.0518% | 6,006 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 16.1479% | 1,393 |
| Efficiency ratio | 86.1858% | 1,616 |
| Assets per employee ($millions) | 4.3803% | 3,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0244% | 167 |
| Loan loss allowance to noncurrent loans | 265.4839% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 1.1795% | 4,772 |
| Noncurrent loans to loans | 1.8926% | 3,812 |
| Net loans and leases to total assets | 59.1926% | 5,065 |
| Net loans and leases to deposits | 71.5001% | 4,908 |
| Net loans and leases to core deposits | 71.5001% | 5,572 |
| Total domestic deposits to total assets | 82.7867% | 4,681 |
| Equity capital to assets | 8.8654% | 5,752 |
| Core capital (leverage) ratio | 8.5151% | 5,478 |
| Tier 1 risk-based capital ratio | 12.4748% | 5,009 |
| Total risk-based capital ratio | 13.7615% | 4,945 |
| Memoranda: | ||
| Average total assets | $27,009,750 | 7,383 |
| Average earning assets | $24,338,000 | 7,368 |
| Average equity | $2,041,750 | 7,592 |
| Average total loans | $18,009,000 | 7,118 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4490% | 2,757 |
| Cost of funding earning assets | 1.5442% | 2,990 |
| Net interest margin | 3.9049% | 3,424 |
| Noninterest income to average assets | 0.5211% | 3,949 |
| Noninterest expense to average assets | 3.5887% | 1,807 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.4770% | 4,428 |
| Return on assets (ROA) | 0.4770% | 4,582 |
| Pretax return on assets | 0.4770% | 4,974 |
| Return on Equity (ROE) | 6.6815% | 3,445 |
| Retained earnings to average equity (ytd only) | 6.6815% | 1,983 |
| Net charge-offs to loans | 0.0108% | 6,199 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 65.0000% | 479 |
| Efficiency ratio | 88.2671% | 1,486 |
| Assets per employee ($millions) | 4.4605% | 2,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7624% | 206 |
| Loan loss allowance to noncurrent loans | 101.4599% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 3.0714% | 2,315 |
| Noncurrent loans to loans | 4.6939% | 1,521 |
| Net loans and leases to total assets | 62.3174% | 4,623 |
| Net loans and leases to deposits | 76.4765% | 4,242 |
| Net loans and leases to core deposits | 76.4765% | 5,144 |
| Total domestic deposits to total assets | 81.4856% | 5,203 |
| Equity capital to assets | 8.4706% | 6,199 |
| Core capital (leverage) ratio | 8.0328% | 6,228 |
| Tier 1 risk-based capital ratio | 11.7502% | 5,540 |
| Total risk-based capital ratio | 13.0389% | 5,465 |
| Memoranda: | ||
| Average total assets | $27,252,330 | 7,439 |
| Average earning assets | $24,738,330 | 7,414 |
| Average equity | $1,945,670 | 7,668 |
| Average total loans | $18,552,000 | 7,150 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8570% | 1,306 |
| Cost of funding earning assets | 1.6091% | 2,903 |
| Net interest margin | 4.2480% | 1,863 |
| Noninterest income to average assets | 0.3637% | 5,230 |
| Noninterest expense to average assets | 3.6659% | 1,584 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5382% | 4,192 |
| Return on assets (ROA) | 0.5382% | 4,330 |
| Pretax return on assets | 0.5382% | 4,824 |
| Return on Equity (ROE) | 8.2913% | 2,739 |
| Retained earnings to average equity (ytd only) | 8.2913% | 1,593 |
| Net charge-offs to loans | 0.0419% | 4,998 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 18.5000% | 1,233 |
| Efficiency ratio | 87.1972% | 1,666 |
| Assets per employee ($millions) | 4.0140% | 3,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4177% | 271 |
| Loan loss allowance to noncurrent loans | 79.7893% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 3.7156% | 1,881 |
| Noncurrent loans to loans | 5.5367% | 1,256 |
| Net loans and leases to total assets | 64.1434% | 4,298 |
| Net loans and leases to deposits | 77.7960% | 4,082 |
| Net loans and leases to core deposits | 77.7960% | 5,048 |
| Total domestic deposits to total assets | 82.4507% | 4,872 |
| Equity capital to assets | 7.9472% | 6,712 |
| Core capital (leverage) ratio | 7.7073% | 6,616 |
| Tier 1 risk-based capital ratio | 10.6917% | 6,453 |
| Total risk-based capital ratio | 11.9564% | 6,423 |
| Memoranda: | ||
| Average total assets | $27,497,000 | 7,523 |
| Average earning assets | $24,859,000 | 7,502 |
| Average equity | $1,785,000 | 7,790 |
| Average total loans | $19,072,000 | 7,211 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3881% | 4,749 |
| Cost of funding earning assets | 1.9091% | 3,415 |
| Net interest margin | 3.4790% | 5,045 |
| Noninterest income to average assets | 0.3917% | 5,278 |
| Noninterest expense to average assets | 3.0455% | 3,961 |
| Loan and lease loss provision to assets | 4.5176% | 259 |
| Net operating income to assets | -4.1057% | 7,624 |
| Return on assets (ROA) | -4.1057% | 7,623 |
| Pretax return on assets | -4.0213% | 7,529 |
| Return on Equity (ROE) | -52.1575% | 7,702 |
| Retained earnings to average equity (ytd only) | -52.1575% | 7,695 |
| Net charge-offs to loans | 3.3813% | 588 |
| Credit loss provision to net charge-offs | 201.8100% | 1,928 |
| Earnings coverage of net charge-offs (x) | 0.2217% | 5,906 |
| Efficiency ratio | 85.9867% | 2,114 |
| Assets per employee ($millions) | 3.8423% | 4,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3291% | 288 |
| Loan loss allowance to noncurrent loans | 50.0000% | 5,049 |
| Noncurrent assets plus other real estate owned to assets | 6.2091% | 897 |
| Noncurrent loans to loans | 8.6582% | 546 |
| Net loans and leases to total assets | 68.6087% | 3,567 |
| Net loans and leases to deposits | 80.7218% | 3,855 |
| Net loans and leases to core deposits | 88.4739% | 5,275 |
| Total domestic deposits to total assets | 84.9941% | 3,551 |
| Equity capital to assets | 4.9710% | 7,796 |
| Core capital (leverage) ratio | 4.4030% | 7,816 |
| Tier 1 risk-based capital ratio | 6.1694% | 7,807 |
| Total risk-based capital ratio | 7.4541% | 7,810 |
| Memoranda: | ||
| Average total assets | $29,617,600 | 7,485 |
| Average earning assets | $26,818,400 | 7,469 |
| Average equity | $2,331,400 | 7,765 |
| Average total loans | $19,607,600 | 7,217 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6276% | 3,708 |
| Cost of funding earning assets | 1.9322% | 3,702 |
| Net interest margin | 3.6954% | 4,093 |
| Noninterest income to average assets | 0.3961% | 5,321 |
| Noninterest expense to average assets | 2.7284% | 5,201 |
| Loan and lease loss provision to assets | 0.6821% | 2,691 |
| Net operating income to assets | 0.2376% | 5,029 |
| Return on assets (ROA) | 0.2376% | 5,109 |
| Pretax return on assets | 0.3521% | 4,924 |
| Return on Equity (ROE) | 2.7907% | 4,881 |
| Retained earnings to average equity (ytd only) | 2.7907% | 3,772 |
| Net charge-offs to loans | 0.0948% | 5,729 |
| Credit loss provision to net charge-offs | 1,107.1429% | 342 |
| Earnings coverage of net charge-offs (x) | 16.7825% | 1,447 |
| Efficiency ratio | 72.5146% | 4,147 |
| Assets per employee ($millions) | 4.1216% | 3,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5123% | 3,367 |
| Loan loss allowance to noncurrent loans | 61.0548% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 1.7088% | 3,817 |
| Noncurrent loans to loans | 2.4769% | 3,045 |
| Net loans and leases to total assets | 67.9457% | 3,977 |
| Net loans and leases to deposits | 83.3532% | 3,765 |
| Net loans and leases to core deposits | 91.9897% | 5,235 |
| Total domestic deposits to total assets | 81.5154% | 4,871 |
| Equity capital to assets | 9.0222% | 5,451 |
| Core capital (leverage) ratio | 8.5263% | 5,442 |
| Tier 1 risk-based capital ratio | 11.4645% | 5,465 |
| Total risk-based capital ratio | 12.7171% | 5,409 |
| Memoranda: | ||
| Average total assets | $30,298,000 | 7,527 |
| Average earning assets | $27,601,250 | 7,510 |
| Average equity | $2,580,000 | 7,786 |
| Average total loans | $19,687,500 | 7,277 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7627% | 3,235 |
| Cost of funding earning assets | 1.9782% | 3,879 |
| Net interest margin | 3.7844% | 3,614 |
| Noninterest income to average assets | 0.3834% | 5,436 |
| Noninterest expense to average assets | 2.7810% | 5,043 |
| Loan and lease loss provision to assets | 0.5523% | 2,809 |
| Net operating income to assets | 0.2989% | 4,903 |
| Return on assets (ROA) | 0.2989% | 5,018 |
| Pretax return on assets | 0.4808% | 4,681 |
| Return on Equity (ROE) | 3.5765% | 4,675 |
| Retained earnings to average equity (ytd only) | 3.5765% | 3,310 |
| Net charge-offs to loans | 0.1529% | 4,666 |
| Credit loss provision to net charge-offs | 566.6667% | 822 |
| Earnings coverage of net charge-offs (x) | 10.6000% | 1,980 |
| Efficiency ratio | 72.9131% | 4,228 |
| Assets per employee ($millions) | 4.8073% | 2,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1583% | 5,211 |
| Loan loss allowance to noncurrent loans | 99.1379% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 0.6894% | 5,685 |
| Noncurrent loans to loans | 1.1684% | 4,881 |
| Net loans and leases to total assets | 58.3252% | 5,918 |
| Net loans and leases to deposits | 69.3191% | 6,061 |
| Net loans and leases to core deposits | 76.1888% | 6,661 |
| Total domestic deposits to total assets | 84.1401% | 3,686 |
| Equity capital to assets | 7.6907% | 7,087 |
| Core capital (leverage) ratio | 8.2518% | 5,886 |
| Tier 1 risk-based capital ratio | 11.0033% | 5,872 |
| Total risk-based capital ratio | 11.9826% | 6,095 |
| Memoranda: | ||
| Average total assets | $30,780,330 | 7,576 |
| Average earning assets | $27,903,670 | 7,563 |
| Average equity | $2,572,330 | 7,867 |
| Average total loans | $19,615,330 | 7,349 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5533% | 778 |
| Cost of funding earning assets | 2.1541% | 3,401 |
| Net interest margin | 4.3992% | 1,342 |
| Noninterest income to average assets | 0.3680% | 5,482 |
| Noninterest expense to average assets | 2.7126% | 4,939 |
| Loan and lease loss provision to assets | 0.8860% | 1,477 |
| Net operating income to assets | 0.4635% | 4,599 |
| Return on assets (ROA) | 0.4635% | 4,779 |
| Pretax return on assets | 0.7224% | 4,346 |
| Return on Equity (ROE) | 5.3032% | 4,329 |
| Retained earnings to average equity (ytd only) | 5.3032% | 2,956 |
| Net charge-offs to loans | 0.2873% | 2,967 |
| Credit loss provision to net charge-offs | 464.2857% | 1,145 |
| Earnings coverage of net charge-offs (x) | 8.4286% | 2,190 |
| Efficiency ratio | 62.7760% | 5,912 |
| Assets per employee ($millions) | 4.3016% | 3,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1030% | 5,448 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 62.8275% | 5,185 |
| Net loans and leases to deposits | 76.2853% | 5,181 |
| Net loans and leases to core deposits | 84.6064% | 6,015 |
| Total domestic deposits to total assets | 82.3586% | 4,419 |
| Equity capital to assets | 8.5484% | 6,000 |
| Core capital (leverage) ratio | 8.7124% | 5,130 |
| Tier 1 risk-based capital ratio | 11.6067% | 5,297 |
| Total risk-based capital ratio | 12.5623% | 5,497 |
| Memoranda: | ||
| Average total assets | $29,345,000 | 7,672 |
| Average earning assets | $26,368,500 | 7,667 |
| Average equity | $2,564,500 | 7,920 |
| Average total loans | $19,494,500 | 7,408 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0632% | 5,237 |
| Cost of funding earning assets | 2.4629% | 4,407 |
| Net interest margin | 3.6003% | 4,882 |
| Noninterest income to average assets | 0.3626% | 5,817 |
| Noninterest expense to average assets | 2.6698% | 5,382 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5937% | 4,325 |
| Return on assets (ROA) | 0.5937% | 4,194 |
| Pretax return on assets | 0.8888% | 3,759 |
| Return on Equity (ROE) | 6.6683% | 3,684 |
| Retained earnings to average equity (ytd only) | 2.6753% | 3,509 |
| Net charge-offs to loans | 1.0345% | 1,196 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 1.3661% | 5,444 |
| Efficiency ratio | 75.0250% | 3,394 |
| Assets per employee ($millions) | 4.0827% | 3,339 |
| Cash dividends to net income (ytd only)* | 59.8802% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8056% | 7,084 |
| Loan loss allowance to noncurrent loans | 2,666.6667% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.6333% | 5,311 |
| Noncurrent loans to loans | 0.0302% | 7,388 |
| Net loans and leases to total assets | 68.9317% | 4,266 |
| Net loans and leases to deposits | 84.1952% | 4,398 |
| Net loans and leases to core deposits | 91.2629% | 5,695 |
| Total domestic deposits to total assets | 81.8713% | 4,251 |
| Equity capital to assets | 8.9401% | 5,442 |
| Core capital (leverage) ratio | 9.0379% | 4,687 |
| Tier 1 risk-based capital ratio | 11.1449% | 5,604 |
| Total risk-based capital ratio | 11.8550% | 6,000 |
| Memoranda: | ||
| Average total assets | $28,129,000 | 7,722 |
| Average earning assets | $24,970,200 | 7,744 |
| Average equity | $2,504,400 | 7,984 |
| Average total loans | $17,690,200 | 7,483 |