Home > Boelus State Bank > Performance and Condition Ratios
Boelus 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 | 5.1244% | 1,811 |
| Cost of funding earning assets | 1.4593% | 2,051 |
| Net interest margin | 3.6651% | 1,823 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 1.7032% | 4,131 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.2832% | 1,465 |
| Return on assets (ROA) | 1.2832% | 1,435 |
| Pretax return on assets | 1.9202% | 754 |
| Return on Equity (ROE) | 9.8800% | 2,528 |
| Retained earnings to average equity (ytd only) | 9.4219% | 1,149 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 47.0064% | 4,149 |
| Assets per employee ($millions) | 5.5558% | 3,200 |
| Cash dividends to net income (ytd only)* | 4.6763% | 3,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9589% | 62 |
| 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 | 22.7100% | 4,381 |
| Net loans and leases to deposits | 26.3898% | 4,391 |
| Net loans and leases to core deposits | 26.3898% | 4,428 |
| Total domestic deposits to total assets | 86.0400% | 2,004 |
| Equity capital to assets | 13.2700% | 808 |
| Core capital (leverage) ratio | 13.8114% | 838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $21,664,600 | 4,516 |
| Average earning assets | $20,627,000 | 4,478 |
| Average equity | $2,812,600 | 4,440 |
| Average total loans | $5,720,600 | 4,457 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7727% | 2,325 |
| Cost of funding earning assets | 1.2813% | 2,193 |
| Net interest margin | 3.4914% | 2,231 |
| Noninterest income to average assets | 0.0700% | 4,402 |
| Noninterest expense to average assets | 1.5238% | 4,297 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2636% | 1,623 |
| Return on assets (ROA) | 1.2636% | 1,611 |
| Pretax return on assets | 1.9202% | 839 |
| Return on Equity (ROE) | 9.7900% | 2,701 |
| Retained earnings to average equity (ytd only) | 9.1654% | 1,646 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 44.2446% | 4,215 |
| Assets per employee ($millions) | 5.4053% | 3,259 |
| Cash dividends to net income (ytd only)* | 6.3725% | 2,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0816% | 54 |
| 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 | 22.6100% | 4,413 |
| Net loans and leases to deposits | 26.2923% | 4,415 |
| Net loans and leases to core deposits | 26.2923% | 4,414 |
| Total domestic deposits to total assets | 85.9900% | 2,196 |
| Equity capital to assets | 13.2973% | 761 |
| Core capital (leverage) ratio | 13.2281% | 1,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.8197% | 194 |
| Memoranda: | ||
| Average total assets | $21,525,000 | 4,544 |
| Average earning assets | $20,812,250 | 4,504 |
| Average equity | $2,778,500 | 4,460 |
| Average total loans | $5,837,250 | 4,480 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5355% | 2,560 |
| Cost of funding earning assets | 1.0370% | 2,488 |
| Net interest margin | 3.4986% | 2,268 |
| Noninterest income to average assets | 0.0700% | 4,429 |
| Noninterest expense to average assets | 1.1539% | 4,523 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3493% | 1,452 |
| Return on assets (ROA) | 1.3493% | 1,443 |
| Pretax return on assets | 2.2798% | 482 |
| Return on Equity (ROE) | 10.5600% | 2,542 |
| Retained earnings to average equity (ytd only) | 9.6128% | 1,509 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 33.6043% | 4,510 |
| Assets per employee ($millions) | 5.4893% | 3,161 |
| Cash dividends to net income (ytd only)* | 8.9655% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2979% | 105 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 27.7800% | 4,363 |
| Net loans and leases to deposits | 32.0797% | 4,370 |
| Net loans and leases to core deposits | 32.0797% | 4,384 |
| Total domestic deposits to total assets | 86.5900% | 2,061 |
| Equity capital to assets | 12.8251% | 856 |
| Core capital (leverage) ratio | 12.8726% | 1,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $21,493,000 | 4,572 |
| Average earning assets | $20,637,000 | 4,532 |
| Average equity | $2,746,333 | 4,491 |
| Average total loans | $6,084,333 | 4,505 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0839% | 3,278 |
| Cost of funding earning assets | 0.7732% | 2,829 |
| Net interest margin | 3.3107% | 2,852 |
| Noninterest income to average assets | 0.0600% | 4,506 |
| Noninterest expense to average assets | 1.1853% | 4,575 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2793% | 1,728 |
| Return on assets (ROA) | 1.2793% | 1,697 |
| Pretax return on assets | 2.0131% | 763 |
| Return on Equity (ROE) | 10.0300% | 2,774 |
| Retained earnings to average equity (ytd only) | 8.1136% | 2,188 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 37.0588% | 4,514 |
| Assets per employee ($millions) | 5.4660% | 3,250 |
| Cash dividends to net income (ytd only)* | 19.1176% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3838% | 100 |
| 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 | 27.1600% | 4,422 |
| Net loans and leases to deposits | 31.1546% | 4,423 |
| Net loans and leases to core deposits | 31.1546% | 4,438 |
| Total domestic deposits to total assets | 87.1900% | 2,194 |
| Equity capital to assets | 12.5274% | 863 |
| Core capital (leverage) ratio | 13.1975% | 914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $21,261,000 | 4,631 |
| Average earning assets | $20,177,000 | 4,599 |
| Average equity | $2,711,500 | 4,557 |
| Average total loans | $5,973,000 | 4,576 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3537% | 4,547 |
| Cost of funding earning assets | 0.2994% | 2,882 |
| Net interest margin | 2.0543% | 4,539 |
| Noninterest income to average assets | 0.1400% | 4,270 |
| Noninterest expense to average assets | 1.4666% | 4,460 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5463% | 3,999 |
| Return on assets (ROA) | 0.5463% | 3,962 |
| Pretax return on assets | 0.6299% | 3,979 |
| Return on Equity (ROE) | 4.2400% | 4,125 |
| Retained earnings to average equity (ytd only) | 3.9695% | 3,407 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.9531% | 1,688 |
| Assets per employee ($millions) | 5.1645% | 3,541 |
| Cash dividends to net income (ytd only)* | 6.3063% | 3,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5868% | 77 |
| 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 | 27.0600% | 4,459 |
| Net loans and leases to deposits | 31.1580% | 4,448 |
| Net loans and leases to core deposits | 31.1580% | 4,468 |
| Total domestic deposits to total assets | 86.8600% | 2,440 |
| Equity capital to assets | 12.9925% | 708 |
| Core capital (leverage) ratio | 13.1337% | 904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $20,319,600 | 4,667 |
| Average earning assets | $19,374,000 | 4,639 |
| Average equity | $2,620,000 | 4,640 |
| Average total loans | $6,167,400 | 4,609 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0185% | 4,604 |
| Cost of funding earning assets | 0.2549% | 2,654 |
| Net interest margin | 1.7636% | 4,607 |
| Noninterest income to average assets | 0.0700% | 4,554 |
| Noninterest expense to average assets | 1.3244% | 4,569 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3953% | 4,249 |
| Return on assets (ROA) | 0.3953% | 4,196 |
| Pretax return on assets | 0.4283% | 4,238 |
| Return on Equity (ROE) | 3.0700% | 4,293 |
| Retained earnings to average equity (ytd only) | 2.7137% | 3,856 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.5639% | 1,117 |
| Assets per employee ($millions) | 5.0323% | 3,646 |
| Cash dividends to net income (ytd only)* | 11.6667% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3761% | 94 |
| 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 | 29.5700% | 4,432 |
| Net loans and leases to deposits | 34.0405% | 4,420 |
| Net loans and leases to core deposits | 34.0405% | 4,441 |
| Total domestic deposits to total assets | 86.8800% | 2,803 |
| Equity capital to assets | 13.0806% | 665 |
| Core capital (leverage) ratio | 12.9807% | 914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $20,235,000 | 4,704 |
| Average earning assets | $19,354,250 | 4,674 |
| Average equity | $2,604,000 | 4,678 |
| Average total loans | $6,259,500 | 4,644 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8911% | 4,647 |
| Cost of funding earning assets | 0.2480% | 2,298 |
| Net interest margin | 1.6431% | 4,666 |
| Noninterest income to average assets | 0.0395% | 4,662 |
| Noninterest expense to average assets | 1.2037% | 4,642 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4045% | 4,100 |
| Return on assets (ROA) | 0.4045% | 4,050 |
| Pretax return on assets | 0.4045% | 4,151 |
| Return on Equity (ROE) | 3.1607% | 4,191 |
| Retained earnings to average equity (ytd only) | 2.6211% | 3,572 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8466% | 1,408 |
| Assets per employee ($millions) | 4.9935% | 3,684 |
| Cash dividends to net income (ytd only)* | 17.0732% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3037% | 106 |
| 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 | 30.4796% | 4,447 |
| Net loans and leases to deposits | 35.0853% | 4,421 |
| Net loans and leases to core deposits | 35.0853% | 4,459 |
| Total domestic deposits to total assets | 86.8729% | 2,982 |
| Equity capital to assets | 13.0870% | 650 |
| Core capital (leverage) ratio | 12.7749% | 881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $20,270,333 | 4,738 |
| Average earning assets | $19,353,333 | 4,725 |
| Average equity | $2,594,333 | 4,712 |
| Average total loans | $6,292,333 | 4,709 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8093% | 4,662 |
| Cost of funding earning assets | 0.2643% | 1,986 |
| Net interest margin | 1.5450% | 4,687 |
| Noninterest income to average assets | 0.0588% | 4,638 |
| Noninterest expense to average assets | 1.1950% | 4,667 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3134% | 4,119 |
| Return on assets (ROA) | 0.3134% | 4,086 |
| Pretax return on assets | 0.3526% | 4,108 |
| Return on Equity (ROE) | 2.4763% | 4,188 |
| Retained earnings to average equity (ytd only) | 1.3929% | 3,725 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2152% | 1,382 |
| Assets per employee ($millions) | 5.2973% | 3,488 |
| Cash dividends to net income (ytd only)* | 43.7500% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2520% | 126 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 29.2038% | 4,470 |
| Net loans and leases to deposits | 33.2849% | 4,455 |
| Net loans and leases to core deposits | 33.2849% | 4,498 |
| Total domestic deposits to total assets | 87.7389% | 2,652 |
| Equity capital to assets | 12.2186% | 879 |
| Core capital (leverage) ratio | 12.9768% | 778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $20,418,500 | 4,761 |
| Average earning assets | $19,676,000 | 4,747 |
| Average equity | $2,584,500 | 4,738 |
| Average total loans | $6,290,500 | 4,736 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9851% | 4,682 |
| Cost of funding earning assets | 0.4330% | 1,304 |
| Net interest margin | 1.5521% | 4,720 |
| Noninterest income to average assets | 0.1563% | 4,368 |
| Noninterest expense to average assets | 1.3756% | 4,637 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.2188% | 4,516 |
| Return on assets (ROA) | 0.2188% | 4,536 |
| Pretax return on assets | 0.2188% | 4,561 |
| Return on Equity (ROE) | 1.6411% | 4,540 |
| Retained earnings to average equity (ytd only) | 1.1332% | 4,219 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2745% | 460 |
| Assets per employee ($millions) | 4.9120% | 3,810 |
| Cash dividends to net income (ytd only)* | 30.9524% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3630% | 107 |
| 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 | 30.4204% | 4,494 |
| Net loans and leases to deposits | 35.0393% | 4,503 |
| Net loans and leases to core deposits | 35.0393% | 4,536 |
| Total domestic deposits to total assets | 86.8180% | 2,580 |
| Equity capital to assets | 13.1311% | 865 |
| Core capital (leverage) ratio | 13.0218% | 789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $19,191,400 | 4,813 |
| Average earning assets | $17,782,600 | 4,795 |
| Average equity | $2,559,200 | 4,783 |
| Average total loans | $5,937,400 | 4,784 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9686% | 4,769 |
| Cost of funding earning assets | 0.4637% | 1,266 |
| Net interest margin | 1.5050% | 4,804 |
| Noninterest income to average assets | 0.0978% | 4,675 |
| Noninterest expense to average assets | 1.3838% | 4,699 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.0839% | 4,705 |
| Return on assets (ROA) | 0.0839% | 4,720 |
| Pretax return on assets | 0.0978% | 4,715 |
| Return on Equity (ROE) | 0.6265% | 4,719 |
| Retained earnings to average equity (ytd only) | -0.0522% | 4,568 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3962% | 242 |
| Assets per employee ($millions) | 4.8828% | 3,812 |
| Cash dividends to net income (ytd only)* | 108.3333% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5905% | 98 |
| 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 | 28.5956% | 4,625 |
| Net loans and leases to deposits | 32.9110% | 4,653 |
| Net loans and leases to core deposits | 32.9110% | 4,674 |
| Total domestic deposits to total assets | 86.8875% | 2,395 |
| Equity capital to assets | 13.0562% | 969 |
| Core capital (leverage) ratio | 13.2406% | 786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $19,077,250 | 4,884 |
| Average earning assets | $17,541,250 | 4,868 |
| Average equity | $2,554,000 | 4,856 |
| Average total loans | $5,875,500 | 4,852 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0036% | 4,803 |
| Cost of funding earning assets | 0.5038% | 1,174 |
| Net interest margin | 1.4998% | 4,844 |
| Noninterest income to average assets | 0.1162% | 4,622 |
| Noninterest expense to average assets | 1.3843% | 4,732 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.0951% | 4,718 |
| Return on assets (ROA) | 0.0951% | 4,735 |
| Pretax return on assets | 0.1162% | 4,723 |
| Return on Equity (ROE) | 0.7044% | 4,732 |
| Retained earnings to average equity (ytd only) | -0.3131% | 4,549 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2535% | 287 |
| Assets per employee ($millions) | 4.8313% | 3,806 |
| Cash dividends to net income (ytd only)* | 144.4444% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5568% | 92 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 29.1850% | 4,677 |
| Net loans and leases to deposits | 33.6435% | 4,690 |
| Net loans and leases to core deposits | 33.6435% | 4,718 |
| Total domestic deposits to total assets | 86.7477% | 2,449 |
| Equity capital to assets | 13.1798% | 895 |
| Core capital (leverage) ratio | 13.5942% | 696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $18,926,000 | 4,920 |
| Average earning assets | $17,468,667 | 4,903 |
| Average equity | $2,555,333 | 4,891 |
| Average total loans | $5,903,000 | 4,892 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9972% | 4,840 |
| Cost of funding earning assets | 0.5280% | 1,218 |
| Net interest margin | 1.4692% | 4,879 |
| Noninterest income to average assets | 0.1282% | 4,559 |
| Noninterest expense to average assets | 1.3884% | 4,751 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.0854% | 4,722 |
| Return on assets (ROA) | 0.0854% | 4,733 |
| Pretax return on assets | 0.1068% | 4,723 |
| Return on Equity (ROE) | 0.6251% | 4,741 |
| Retained earnings to average equity (ytd only) | -1.4065% | 4,504 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8571% | 304 |
| Assets per employee ($millions) | 4.8830% | 3,769 |
| Cash dividends to net income (ytd only)* | 325.0000% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4273% | 106 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 30.0072% | 4,693 |
| Net loans and leases to deposits | 34.5557% | 4,716 |
| Net loans and leases to core deposits | 34.5557% | 4,746 |
| Total domestic deposits to total assets | 86.8370% | 2,377 |
| Equity capital to assets | 13.0811% | 891 |
| Core capital (leverage) ratio | 13.6368% | 716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $18,726,500 | 4,948 |
| Average earning assets | $17,424,000 | 4,931 |
| Average equity | $2,559,500 | 4,914 |
| Average total loans | $5,930,500 | 4,917 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0248% | 4,614 |
| Cost of funding earning assets | 0.9192% | 808 |
| Net interest margin | 2.1055% | 4,801 |
| Noninterest income to average assets | 0.1445% | 4,573 |
| Noninterest expense to average assets | 1.5206% | 4,765 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.4394% | 4,164 |
| Return on assets (ROA) | 0.4394% | 4,245 |
| Pretax return on assets | 0.5839% | 4,111 |
| Return on Equity (ROE) | 2.9961% | 4,382 |
| Retained earnings to average equity (ytd only) | 1.9711% | 3,834 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2527% | 1,652 |
| Assets per employee ($millions) | 4.4803% | 3,934 |
| Cash dividends to net income (ytd only)* | 34.2105% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5912% | 86 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 31.1590% | 4,730 |
| Net loans and leases to deposits | 36.4063% | 4,738 |
| Net loans and leases to core deposits | 36.4063% | 4,770 |
| Total domestic deposits to total assets | 85.5867% | 2,537 |
| Equity capital to assets | 14.3072% | 731 |
| Core capital (leverage) ratio | 14.4752% | 601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $17,296,200 | 4,973 |
| Average earning assets | $16,100,400 | 4,959 |
| Average equity | $2,536,600 | 4,935 |
| Average total loans | $6,535,600 | 4,937 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2558% | 4,532 |
| Cost of funding earning assets | 0.9960% | 769 |
| Net interest margin | 2.2598% | 4,793 |
| Noninterest income to average assets | 0.0933% | 4,780 |
| Noninterest expense to average assets | 1.4235% | 4,850 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.5679% | 3,860 |
| Return on assets (ROA) | 0.5679% | 3,952 |
| Pretax return on assets | 0.7701% | 3,728 |
| Return on Equity (ROE) | 3.8475% | 4,193 |
| Retained earnings to average equity (ytd only) | 2.4771% | 3,754 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8936% | 2,612 |
| Assets per employee ($millions) | 4.2800% | 4,062 |
| Cash dividends to net income (ytd only)* | 35.6164% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5046% | 94 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 33.4521% | 4,755 |
| Net loans and leases to deposits | 39.3933% | 4,765 |
| Net loans and leases to core deposits | 39.3933% | 4,795 |
| Total domestic deposits to total assets | 84.9182% | 2,478 |
| Equity capital to assets | 14.9591% | 646 |
| Core capital (leverage) ratio | 14.6603% | 594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $17,140,000 | 5,003 |
| Average earning assets | $15,930,250 | 4,990 |
| Average equity | $2,529,750 | 4,963 |
| Average total loans | $6,721,500 | 4,970 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4344% | 4,505 |
| Cost of funding earning assets | 1.0404% | 869 |
| Net interest margin | 2.3941% | 4,796 |
| Noninterest income to average assets | 0.0700% | 4,868 |
| Noninterest expense to average assets | 1.3414% | 4,926 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7115% | 3,354 |
| Return on assets (ROA) | 0.7115% | 3,466 |
| Pretax return on assets | 0.9565% | 3,163 |
| Return on Equity (ROE) | 4.8426% | 3,873 |
| Retained earnings to average equity (ytd only) | 2.7785% | 3,467 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3756% | 3,648 |
| Assets per employee ($millions) | 4.2803% | 4,025 |
| Cash dividends to net income (ytd only)* | 42.6230% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8965% | 148 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 40.7278% | 4,582 |
| Net loans and leases to deposits | 47.9442% | 4,596 |
| Net loans and leases to core deposits | 47.9442% | 4,669 |
| Total domestic deposits to total assets | 84.9483% | 2,423 |
| Equity capital to assets | 14.8881% | 635 |
| Core capital (leverage) ratio | 14.9431% | 583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $17,146,667 | 5,034 |
| Average earning assets | $15,956,000 | 5,019 |
| Average equity | $2,519,333 | 4,997 |
| Average total loans | $6,983,667 | 5,000 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5547% | 4,580 |
| Cost of funding earning assets | 1.1014% | 1,040 |
| Net interest margin | 2.4532% | 4,846 |
| Noninterest income to average assets | 0.0932% | 4,851 |
| Noninterest expense to average assets | 1.3287% | 4,994 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7459% | 3,109 |
| Return on assets (ROA) | 0.7459% | 3,181 |
| Pretax return on assets | 1.0490% | 2,668 |
| Return on Equity (ROE) | 5.1108% | 3,592 |
| Retained earnings to average equity (ytd only) | 0.9583% | 3,754 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8824% | 4,218 |
| Assets per employee ($millions) | 4.2118% | 3,645 |
| Cash dividends to net income (ytd only)* | 81.2500% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9218% | 161 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 41.0221% | 4,628 |
| Net loans and leases to deposits | 48.3659% | 4,644 |
| Net loans and leases to core deposits | 48.3659% | 4,716 |
| Total domestic deposits to total assets | 84.8163% | 2,481 |
| Equity capital to assets | 14.9582% | 769 |
| Core capital (leverage) ratio | 14.6802% | 749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $17,159,500 | 5,082 |
| Average earning assets | $15,979,000 | 5,068 |
| Average equity | $2,504,500 | 5,044 |
| Average total loans | $6,885,000 | 5,046 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8826% | 4,466 |
| Cost of funding earning assets | 0.9622% | 1,895 |
| Net interest margin | 2.9204% | 4,634 |
| Noninterest income to average assets | 0.1537% | 4,722 |
| Noninterest expense to average assets | 1.8017% | 4,771 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7133% | 3,830 |
| Return on assets (ROA) | 0.7133% | 3,889 |
| Pretax return on assets | 1.0208% | 3,414 |
| Return on Equity (ROE) | 4.7448% | 4,285 |
| Retained earnings to average equity (ytd only) | 3.6813% | 3,155 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8344% | 3,091 |
| Assets per employee ($millions) | 4.3680% | 3,415 |
| Cash dividends to net income (ytd only)* | 22.4138% | 3,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1273% | 111 |
| Loan loss allowance to noncurrent loans | 2,600.0000% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.0458% | 4,410 |
| Noncurrent loans to loans | 0.1203% | 4,049 |
| Net loans and leases to total assets | 36.8761% | 4,821 |
| Net loans and leases to deposits | 43.1114% | 4,845 |
| Net loans and leases to core deposits | 43.1114% | 4,892 |
| Total domestic deposits to total assets | 85.5369% | 2,273 |
| Equity capital to assets | 14.2457% | 1,019 |
| Core capital (leverage) ratio | 14.9060% | 708 |
| Tier 1 risk-based capital ratio | 28.2136% | 546 |
| Total risk-based capital ratio | 29.4718% | 538 |
| Memoranda: | ||
| Average total assets | $16,262,400 | 5,146 |
| Average earning assets | $14,861,200 | 5,136 |
| Average equity | $2,444,800 | 5,105 |
| Average total loans | $6,997,200 | 5,105 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9996% | 4,359 |
| Cost of funding earning assets | 0.9111% | 2,179 |
| Net interest margin | 3.0885% | 4,495 |
| Noninterest income to average assets | 0.1003% | 4,989 |
| Noninterest expense to average assets | 1.8295% | 4,781 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7769% | 3,750 |
| Return on assets (ROA) | 0.7769% | 3,819 |
| Pretax return on assets | 1.1028% | 3,288 |
| Return on Equity (ROE) | 5.0950% | 4,302 |
| Retained earnings to average equity (ytd only) | 3.6705% | 3,563 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3932% | 3,263 |
| Assets per employee ($millions) | 4.0748% | 3,797 |
| Cash dividends to net income (ytd only)* | 27.9597% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1245% | 119 |
| Loan loss allowance to noncurrent loans | 2,600.0000% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.0491% | 4,470 |
| Noncurrent loans to loans | 0.1202% | 4,113 |
| Net loans and leases to total assets | 39.5668% | 4,826 |
| Net loans and leases to deposits | 46.7963% | 4,850 |
| Net loans and leases to core deposits | 46.7963% | 4,904 |
| Total domestic deposits to total assets | 84.5512% | 2,606 |
| Equity capital to assets | 15.1298% | 815 |
| Core capital (leverage) ratio | 13.4563% | 1,148 |
| Tier 1 risk-based capital ratio | 31.2825% | 445 |
| Total risk-based capital ratio | 32.5511% | 438 |
| Memoranda: | ||
| Average total assets | $15,960,000 | 5,225 |
| Average earning assets | $14,634,500 | 5,216 |
| Average equity | $2,433,750 | 5,182 |
| Average total loans | $7,083,750 | 5,185 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8489% | 4,638 |
| Cost of funding earning assets | 0.8445% | 2,420 |
| Net interest margin | 3.0044% | 4,674 |
| Noninterest income to average assets | 0.1262% | 4,942 |
| Noninterest expense to average assets | 1.6281% | 5,038 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9592% | 3,065 |
| Return on assets (ROA) | 0.9592% | 3,140 |
| Pretax return on assets | 1.2368% | 2,796 |
| Return on Equity (ROE) | 6.2732% | 3,962 |
| Retained earnings to average equity (ytd only) | 4.1271% | 3,184 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8282% | 4,148 |
| Assets per employee ($millions) | 4.3043% | 3,427 |
| Cash dividends to net income (ytd only)* | 34.2105% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9288% | 134 |
| Loan loss allowance to noncurrent loans | 99.5215% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 1.2139% | 1,089 |
| Noncurrent loans to loans | 2.9428% | 354 |
| Net loans and leases to total assets | 40.0418% | 4,843 |
| Net loans and leases to deposits | 46.7993% | 4,878 |
| Net loans and leases to core deposits | 46.7993% | 4,935 |
| Total domestic deposits to total assets | 85.5608% | 2,239 |
| Equity capital to assets | 14.2243% | 1,041 |
| Core capital (leverage) ratio | 13.9219% | 990 |
| Tier 1 risk-based capital ratio | 29.2732% | 505 |
| Total risk-based capital ratio | 30.5403% | 496 |
| Memoranda: | ||
| Average total assets | $15,847,000 | 5,272 |
| Average earning assets | $14,445,670 | 5,263 |
| Average equity | $2,423,000 | 5,223 |
| Average total loans | $7,226,000 | 5,231 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0207% | 4,328 |
| Cost of funding earning assets | 0.8388% | 2,334 |
| Net interest margin | 3.1818% | 4,424 |
| Noninterest income to average assets | 0.1055% | 5,056 |
| Noninterest expense to average assets | 1.6884% | 5,028 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2927% | 1,723 |
| Return on assets (ROA) | 1.2927% | 1,763 |
| Pretax return on assets | 1.3191% | 2,380 |
| Return on Equity (ROE) | 8.1328% | 3,203 |
| Retained earnings to average equity (ytd only) | 3.8174% | 3,394 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1404% | 4,315 |
| Assets per employee ($millions) | 3.9110% | 4,054 |
| Cash dividends to net income (ytd only)* | 53.0612% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8097% | 162 |
| Loan loss allowance to noncurrent loans | 2,080.0000% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.0639% | 4,504 |
| Noncurrent loans to loans | 0.1351% | 4,133 |
| Net loans and leases to total assets | 45.9921% | 4,671 |
| Net loans and leases to deposits | 54.5530% | 4,659 |
| Net loans and leases to core deposits | 54.5530% | 4,765 |
| Total domestic deposits to total assets | 84.3071% | 2,942 |
| Equity capital to assets | 15.4820% | 654 |
| Core capital (leverage) ratio | 16.0249% | 529 |
| Tier 1 risk-based capital ratio | 27.1251% | 607 |
| Total risk-based capital ratio | 28.3906% | 596 |
| Memoranda: | ||
| Average total assets | $15,162,000 | 5,335 |
| Average earning assets | $13,828,500 | 5,324 |
| Average equity | $2,410,000 | 5,281 |
| Average total loans | $7,288,000 | 5,289 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5272% | 4,891 |
| Cost of funding earning assets | 0.6456% | 2,425 |
| Net interest margin | 2.8816% | 4,941 |
| Noninterest income to average assets | 0.2296% | 4,538 |
| Noninterest expense to average assets | 1.6875% | 5,104 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8003% | 3,805 |
| Return on assets (ROA) | 0.8003% | 3,808 |
| Pretax return on assets | 1.1726% | 3,003 |
| Return on Equity (ROE) | 5.5105% | 4,322 |
| Retained earnings to average equity (ytd only) | 4.3998% | 3,115 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0022% | 4,018 |
| Assets per employee ($millions) | 3.6700% | 4,363 |
| Cash dividends to net income (ytd only)* | 20.1550% | 3,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8998% | 145 |
| 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 | 47.4455% | 4,675 |
| Net loans and leases to deposits | 56.8989% | 4,625 |
| Net loans and leases to core deposits | 56.8989% | 4,748 |
| Total domestic deposits to total assets | 83.3856% | 3,198 |
| Equity capital to assets | 16.3351% | 485 |
| Core capital (leverage) ratio | 15.5150% | 593 |
| Tier 1 risk-based capital ratio | 27.9813% | 563 |
| Total risk-based capital ratio | 29.2415% | 553 |
| Memoranda: | ||
| Average total assets | $16,118,400 | 5,372 |
| Average earning assets | $14,714,200 | 5,362 |
| Average equity | $2,341,000 | 5,333 |
| Average total loans | $7,118,400 | 5,337 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4141% | 5,019 |
| Cost of funding earning assets | 0.6207% | 2,330 |
| Net interest margin | 2.7933% | 5,094 |
| Noninterest income to average assets | 0.1861% | 4,856 |
| Noninterest expense to average assets | 1.4969% | 5,280 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8577% | 3,706 |
| Return on assets (ROA) | 0.8577% | 3,710 |
| Pretax return on assets | 1.2380% | 2,852 |
| Return on Equity (ROE) | 6.0741% | 4,244 |
| Retained earnings to average equity (ytd only) | 4.5841% | 3,456 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7337% | 4,533 |
| Assets per employee ($millions) | 3.9493% | 3,967 |
| Cash dividends to net income (ytd only)* | 24.5312% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9651% | 147 |
| 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 | 43.0905% | 4,913 |
| Net loans and leases to deposits | 50.8668% | 4,925 |
| Net loans and leases to core deposits | 50.8668% | 4,997 |
| Total domestic deposits to total assets | 84.7123% | 2,717 |
| Equity capital to assets | 15.0408% | 708 |
| Core capital (leverage) ratio | 15.3142% | 627 |
| Tier 1 risk-based capital ratio | 27.3890% | 602 |
| Total risk-based capital ratio | 28.6571% | 593 |
| Memoranda: | ||
| Average total assets | $16,478,000 | 5,441 |
| Average earning assets | $15,035,500 | 5,429 |
| Average equity | $2,326,750 | 5,402 |
| Average total loans | $7,104,750 | 5,409 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2641% | 5,173 |
| Cost of funding earning assets | 0.6112% | 2,153 |
| Net interest margin | 2.6529% | 5,248 |
| Noninterest income to average assets | 0.2035% | 4,801 |
| Noninterest expense to average assets | 1.4966% | 5,342 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8022% | 3,848 |
| Return on assets (ROA) | 0.8022% | 3,845 |
| Pretax return on assets | 1.1494% | 3,135 |
| Return on Equity (ROE) | 5.8000% | 4,305 |
| Retained earnings to average equity (ytd only) | 3.5493% | 3,823 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5611% | 4,405 |
| Assets per employee ($millions) | 4.0093% | 3,878 |
| Cash dividends to net income (ytd only)* | 38.8060% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7133% | 199 |
| 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 | 46.5050% | 4,798 |
| Net loans and leases to deposits | 54.5455% | 4,820 |
| Net loans and leases to core deposits | 54.5455% | 4,916 |
| Total domestic deposits to total assets | 85.2591% | 2,576 |
| Equity capital to assets | 14.5663% | 790 |
| Core capital (leverage) ratio | 14.3427% | 816 |
| Tier 1 risk-based capital ratio | 25.3582% | 709 |
| Total risk-based capital ratio | 26.6175% | 695 |
| Memoranda: | ||
| Average total assets | $16,705,000 | 5,504 |
| Average earning assets | $15,379,330 | 5,491 |
| Average equity | $2,310,330 | 5,469 |
| Average total loans | $7,134,670 | 5,468 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0604% | 5,338 |
| Cost of funding earning assets | 0.6070% | 2,012 |
| Net interest margin | 2.4534% | 5,421 |
| Noninterest income to average assets | 0.0704% | 5,425 |
| Noninterest expense to average assets | 1.3381% | 5,480 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7043% | 4,083 |
| Return on assets (ROA) | 0.7043% | 4,090 |
| Pretax return on assets | 1.0094% | 3,500 |
| Return on Equity (ROE) | 5.2231% | 4,410 |
| Retained earnings to average equity (ytd only) | 0.6964% | 4,686 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0000% | 4,464 |
| Assets per employee ($millions) | 4.1750% | 3,691 |
| Cash dividends to net income (ytd only)* | 86.6667% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8423% | 184 |
| 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 | 42.5749% | 4,954 |
| Net loans and leases to deposits | 49.4540% | 4,985 |
| Net loans and leases to core deposits | 49.4540% | 5,058 |
| Total domestic deposits to total assets | 86.0898% | 2,513 |
| Equity capital to assets | 13.7725% | 956 |
| Core capital (leverage) ratio | 13.6815% | 955 |
| Tier 1 risk-based capital ratio | 25.0354% | 751 |
| Total risk-based capital ratio | 26.2980% | 737 |
| Memoranda: | ||
| Average total assets | $17,039,000 | 5,565 |
| Average earning assets | $15,815,000 | 5,553 |
| Average equity | $2,297,500 | 5,527 |
| Average total loans | $6,869,000 | 5,535 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1700% | 5,225 |
| Cost of funding earning assets | 0.6115% | 1,526 |
| Net interest margin | 2.5585% | 5,375 |
| Noninterest income to average assets | 0.2302% | 4,756 |
| Noninterest expense to average assets | 1.5752% | 5,433 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6301% | 3,889 |
| Return on assets (ROA) | 0.6301% | 3,925 |
| Pretax return on assets | 0.8603% | 4,049 |
| Return on Equity (ROE) | 4.6214% | 4,311 |
| Retained earnings to average equity (ytd only) | 3.4661% | 3,203 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6766% | 3,500 |
| Assets per employee ($millions) | 4.3445% | 3,426 |
| Cash dividends to net income (ytd only)* | 25.0000% | 3,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2399% | 107 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 35.7463% | 5,295 |
| Net loans and leases to deposits | 41.2511% | 5,317 |
| Net loans and leases to core deposits | 41.2511% | 5,358 |
| Total domestic deposits to total assets | 86.6555% | 2,170 |
| Equity capital to assets | 13.2064% | 1,160 |
| Core capital (leverage) ratio | 13.9260% | 853 |
| Tier 1 risk-based capital ratio | 26.7483% | 607 |
| Total risk-based capital ratio | 28.0070% | 600 |
| Memoranda: | ||
| Average total assets | $16,505,600 | 5,635 |
| Average earning assets | $14,227,000 | 5,625 |
| Average equity | $2,250,400 | 5,588 |
| Average total loans | $6,741,000 | 5,598 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2753% | 5,144 |
| Cost of funding earning assets | 0.6298% | 1,356 |
| Net interest margin | 2.6454% | 5,372 |
| Noninterest income to average assets | 0.0818% | 5,526 |
| Noninterest expense to average assets | 1.3998% | 5,574 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6876% | 4,038 |
| Return on assets (ROA) | 0.6876% | 4,106 |
| Pretax return on assets | 0.9168% | 3,983 |
| Return on Equity (ROE) | 5.0017% | 4,530 |
| Retained earnings to average equity (ytd only) | 3.4534% | 3,874 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4240% | 4,138 |
| Assets per employee ($millions) | 4.0375% | 3,925 |
| Cash dividends to net income (ytd only)* | 30.9554% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1463% | 136 |
| Loan loss allowance to noncurrent loans | 4,160.0000% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.0310% | 5,083 |
| Noncurrent loans to loans | 0.0756% | 4,775 |
| Net loans and leases to total assets | 39.6471% | 5,209 |
| Net loans and leases to deposits | 46.2177% | 5,251 |
| Net loans and leases to core deposits | 46.2177% | 5,308 |
| Total domestic deposits to total assets | 85.7833% | 2,396 |
| Equity capital to assets | 14.0929% | 963 |
| Core capital (leverage) ratio | 13.9282% | 907 |
| Tier 1 risk-based capital ratio | 33.7135% | 358 |
| Total risk-based capital ratio | 34.9874% | 349 |
| Memoranda: | ||
| Average total assets | $16,287,500 | 5,701 |
| Average earning assets | $13,759,250 | 5,694 |
| Average equity | $2,239,250 | 5,652 |
| Average total loans | $6,821,250 | 5,660 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1481% | 5,304 |
| Cost of funding earning assets | 0.6153% | 1,355 |
| Net interest margin | 2.5328% | 5,484 |
| Noninterest income to average assets | 0.0857% | 5,559 |
| Noninterest expense to average assets | 1.4082% | 5,621 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6612% | 4,023 |
| Return on assets (ROA) | 0.6612% | 4,080 |
| Pretax return on assets | 0.8449% | 4,111 |
| Return on Equity (ROE) | 4.8496% | 4,535 |
| Retained earnings to average equity (ytd only) | 2.5146% | 4,179 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5000% | 3,908 |
| Assets per employee ($millions) | 4.0635% | 3,857 |
| Cash dividends to net income (ytd only)* | 48.1481% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0620% | 153 |
| Loan loss allowance to noncurrent loans | 1,094.7368% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.1169% | 4,734 |
| Noncurrent loans to loans | 0.2797% | 4,038 |
| Net loans and leases to total assets | 40.5131% | 5,211 |
| Net loans and leases to deposits | 47.0626% | 5,245 |
| Net loans and leases to core deposits | 47.0626% | 5,314 |
| Total domestic deposits to total assets | 86.0834% | 2,343 |
| Equity capital to assets | 13.8181% | 1,025 |
| Core capital (leverage) ratio | 13.5318% | 989 |
| Tier 1 risk-based capital ratio | 25.9264% | 679 |
| Total risk-based capital ratio | 27.1961% | 664 |
| Memoranda: | ||
| Average total assets | $16,333,330 | 5,747 |
| Average earning assets | $13,976,670 | 5,742 |
| Average equity | $2,227,000 | 5,698 |
| Average total loans | $6,891,330 | 5,709 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0316% | 5,431 |
| Cost of funding earning assets | 0.5383% | 1,802 |
| Net interest margin | 2.4933% | 5,551 |
| Noninterest income to average assets | 0.0733% | 5,665 |
| Noninterest expense to average assets | 1.4170% | 5,683 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6108% | 4,109 |
| Return on assets (ROA) | 0.6108% | 4,167 |
| Pretax return on assets | 0.8062% | 4,087 |
| Return on Equity (ROE) | 4.5096% | 4,595 |
| Retained earnings to average equity (ytd only) | -0.1804% | 4,946 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7363% | 3,883 |
| Assets per employee ($millions) | 4.2648% | 3,555 |
| Cash dividends to net income (ytd only)* | 104.0000% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9723% | 183 |
| 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 | 39.8030% | 5,255 |
| Net loans and leases to deposits | 45.8165% | 5,307 |
| Net loans and leases to core deposits | 45.8165% | 5,369 |
| Total domestic deposits to total assets | 86.8750% | 2,278 |
| Equity capital to assets | 12.9961% | 1,261 |
| Core capital (leverage) ratio | 13.9689% | 853 |
| Tier 1 risk-based capital ratio | 24.6498% | 810 |
| Total risk-based capital ratio | 25.9173% | 785 |
| Memoranda: | ||
| Average total assets | $16,373,000 | 5,817 |
| Average earning assets | $14,118,000 | 5,810 |
| Average equity | $2,217,500 | 5,765 |
| Average total loans | $6,940,500 | 5,775 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1406% | 5,365 |
| Cost of funding earning assets | 0.5365% | 1,815 |
| Net interest margin | 2.6041% | 5,512 |
| Noninterest income to average assets | 0.1637% | 5,396 |
| Noninterest expense to average assets | 1.5555% | 5,683 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6550% | 3,977 |
| Return on assets (ROA) | 0.6550% | 4,097 |
| Pretax return on assets | 0.9006% | 3,852 |
| Return on Equity (ROE) | 4.7799% | 4,525 |
| Retained earnings to average equity (ytd only) | 3.5849% | 3,376 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3333% | 4,053 |
| Assets per employee ($millions) | 3.9218% | 4,113 |
| Cash dividends to net income (ytd only)* | 25.0000% | 3,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0219% | 173 |
| 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 | 42.5512% | 5,204 |
| Net loans and leases to deposits | 49.6393% | 5,227 |
| Net loans and leases to core deposits | 49.6393% | 5,313 |
| Total domestic deposits to total assets | 85.7207% | 2,716 |
| Equity capital to assets | 14.1391% | 845 |
| Core capital (leverage) ratio | 14.0808% | 798 |
| Tier 1 risk-based capital ratio | 26.1402% | 696 |
| Total risk-based capital ratio | 27.4013% | 666 |
| Memoranda: | ||
| Average total assets | $15,879,000 | 5,878 |
| Average earning assets | $13,978,200 | 5,868 |
| Average equity | $2,175,800 | 5,829 |
| Average total loans | $7,485,800 | 5,824 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1426% | 5,432 |
| Cost of funding earning assets | 0.5237% | 1,913 |
| Net interest margin | 2.6188% | 5,573 |
| Noninterest income to average assets | 0.1005% | 5,710 |
| Noninterest expense to average assets | 1.3310% | 5,851 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7534% | 3,590 |
| Return on assets (ROA) | 0.7534% | 3,720 |
| Pretax return on assets | 1.0716% | 3,346 |
| Return on Equity (ROE) | 5.5421% | 4,293 |
| Retained earnings to average equity (ytd only) | 3.9409% | 3,498 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4007% | 5,117 |
| Assets per employee ($millions) | 3.8585% | 4,203 |
| Cash dividends to net income (ytd only)* | 28.8917% | 2,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9185% | 209 |
| Loan loss allowance to noncurrent loans | 670.9677% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.2009% | 4,628 |
| Noncurrent loans to loans | 0.4350% | 3,729 |
| Net loans and leases to total assets | 44.8296% | 5,152 |
| Net loans and leases to deposits | 52.4008% | 5,187 |
| Net loans and leases to core deposits | 52.4008% | 5,297 |
| Total domestic deposits to total assets | 85.5514% | 2,580 |
| Equity capital to assets | 14.2802% | 936 |
| Core capital (leverage) ratio | 13.5456% | 981 |
| Tier 1 risk-based capital ratio | 25.0939% | 807 |
| Total risk-based capital ratio | 26.3577% | 787 |
| Memoranda: | ||
| Average total assets | $15,927,000 | 5,943 |
| Average earning assets | $14,001,000 | 5,935 |
| Average equity | $2,165,250 | 5,894 |
| Average total loans | $7,636,500 | 5,884 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1194% | 5,526 |
| Cost of funding earning assets | 0.4985% | 2,111 |
| Net interest margin | 2.6209% | 5,650 |
| Noninterest income to average assets | 0.0994% | 5,781 |
| Noninterest expense to average assets | 1.3423% | 5,925 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7457% | 3,570 |
| Return on assets (ROA) | 0.7457% | 3,724 |
| Pretax return on assets | 1.0440% | 3,418 |
| Return on Equity (ROE) | 5.5754% | 4,259 |
| Retained earnings to average equity (ytd only) | 3.1594% | 3,891 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2500% | 5,119 |
| Assets per employee ($millions) | 4.0765% | 3,774 |
| Cash dividends to net income (ytd only)* | 43.3333% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7510% | 266 |
| 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 | 45.0938% | 5,173 |
| Net loans and leases to deposits | 52.1083% | 5,245 |
| Net loans and leases to core deposits | 52.1083% | 5,358 |
| Total domestic deposits to total assets | 86.5387% | 2,148 |
| Equity capital to assets | 13.3325% | 1,315 |
| Core capital (leverage) ratio | 13.4024% | 1,015 |
| Tier 1 risk-based capital ratio | 23.5536% | 957 |
| Total risk-based capital ratio | 24.8212% | 930 |
| Memoranda: | ||
| Average total assets | $16,091,330 | 6,022 |
| Average earning assets | $14,041,000 | 6,012 |
| Average equity | $2,152,330 | 5,968 |
| Average total loans | $7,806,330 | 5,957 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1731% | 5,528 |
| Cost of funding earning assets | 0.4995% | 2,110 |
| Net interest margin | 2.6736% | 5,647 |
| Noninterest income to average assets | 0.0751% | 5,893 |
| Noninterest expense to average assets | 1.3514% | 5,981 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7007% | 3,707 |
| Return on assets (ROA) | 0.7007% | 3,823 |
| Pretax return on assets | 1.0010% | 3,479 |
| Return on Equity (ROE) | 5.2300% | 4,377 |
| Retained earnings to average equity (ytd only) | 0.3736% | 5,027 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4468% | 5,062 |
| Assets per employee ($millions) | 4.0285% | 3,901 |
| Cash dividends to net income (ytd only)* | 92.8571% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6558% | 330 |
| 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 | 47.3129% | 5,021 |
| Net loans and leases to deposits | 54.6602% | 5,065 |
| Net loans and leases to core deposits | 54.6602% | 5,202 |
| Total domestic deposits to total assets | 86.5583% | 2,421 |
| Equity capital to assets | 13.2990% | 1,270 |
| Core capital (leverage) ratio | 13.7769% | 875 |
| Tier 1 risk-based capital ratio | 22.7809% | 1,039 |
| Total risk-based capital ratio | 24.0459% | 1,012 |
| Memoranda: | ||
| Average total assets | $15,984,000 | 6,084 |
| Average earning assets | $13,614,500 | 6,075 |
| Average equity | $2,141,500 | 6,027 |
| Average total loans | $7,929,000 | 6,009 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1839% | 5,534 |
| Cost of funding earning assets | 0.5163% | 2,024 |
| Net interest margin | 2.6676% | 5,685 |
| Noninterest income to average assets | 0.1690% | 5,568 |
| Noninterest expense to average assets | 1.7553% | 5,796 |
| Loan and lease loss provision to assets | 0.0390% | 3,556 |
| Net operating income to assets | 0.5786% | 4,388 |
| Return on assets (ROA) | 0.5786% | 4,478 |
| Pretax return on assets | 0.7931% | 4,214 |
| Return on Equity (ROE) | 4.2337% | 4,836 |
| Retained earnings to average equity (ytd only) | 2.9969% | 3,931 |
| Net charge-offs to loans | 0.0791% | 2,685 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 21.3333% | 1,818 |
| Efficiency ratio | 67.8392% | 3,594 |
| Assets per employee ($millions) | 3.9635% | 4,004 |
| Cash dividends to net income (ytd only)* | 29.2135% | 3,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5916% | 360 |
| 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 | 49.3125% | 4,928 |
| Net loans and leases to deposits | 57.0740% | 4,975 |
| Net loans and leases to core deposits | 57.0740% | 5,154 |
| Total domestic deposits to total assets | 86.4009% | 2,430 |
| Equity capital to assets | 13.4982% | 1,127 |
| Core capital (leverage) ratio | 13.8736% | 854 |
| Tier 1 risk-based capital ratio | 22.4178% | 1,095 |
| Total risk-based capital ratio | 23.6748% | 1,076 |
| Memoranda: | ||
| Average total assets | $15,382,000 | 6,145 |
| Average earning assets | $13,945,200 | 6,132 |
| Average equity | $2,102,200 | 6,087 |
| Average total loans | $7,586,800 | 6,074 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0670% | 5,747 |
| Cost of funding earning assets | 0.5096% | 2,125 |
| Net interest margin | 2.5574% | 5,875 |
| Noninterest income to average assets | 0.1223% | 5,863 |
| Noninterest expense to average assets | 1.6247% | 5,969 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6202% | 4,284 |
| Return on assets (ROA) | 0.6202% | 4,391 |
| Pretax return on assets | 0.8647% | 4,117 |
| Return on Equity (ROE) | 4.5232% | 4,824 |
| Retained earnings to average equity (ytd only) | 2.8670% | 4,403 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2632% | 4,023 |
| Assets per employee ($millions) | 3.7780% | 4,306 |
| Cash dividends to net income (ytd only)* | 36.6258% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4347% | 482 |
| 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 | 55.1548% | 4,450 |
| Net loans and leases to deposits | 64.2686% | 4,534 |
| Net loans and leases to core deposits | 64.2686% | 4,800 |
| Total domestic deposits to total assets | 85.8192% | 2,627 |
| Equity capital to assets | 14.0418% | 1,005 |
| Core capital (leverage) ratio | 13.4134% | 1,052 |
| Tier 1 risk-based capital ratio | 21.5716% | 1,252 |
| Total risk-based capital ratio | 22.8322% | 1,232 |
| Memoranda: | ||
| Average total assets | $15,264,000 | 6,232 |
| Average earning assets | $14,128,500 | 6,216 |
| Average equity | $2,092,750 | 6,173 |
| Average total loans | $7,477,000 | 6,157 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9447% | 5,902 |
| Cost of funding earning assets | 0.5072% | 2,186 |
| Net interest margin | 2.4375% | 6,017 |
| Noninterest income to average assets | 0.1045% | 6,012 |
| Noninterest expense to average assets | 1.4888% | 6,118 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6138% | 4,278 |
| Return on assets (ROA) | 0.6138% | 4,400 |
| Pretax return on assets | 0.8750% | 4,048 |
| Return on Equity (ROE) | 4.5127% | 4,814 |
| Retained earnings to average equity (ytd only) | 2.0163% | 4,689 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9834% | 4,522 |
| Assets per employee ($millions) | 3.8973% | 4,082 |
| Cash dividends to net income (ytd only)* | 55.3191% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8322% | 327 |
| 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 | 45.7759% | 5,267 |
| Net loans and leases to deposits | 52.9613% | 5,315 |
| Net loans and leases to core deposits | 52.9613% | 5,487 |
| Total domestic deposits to total assets | 86.4327% | 2,471 |
| Equity capital to assets | 13.4582% | 1,188 |
| Core capital (leverage) ratio | 13.1767% | 1,101 |
| Tier 1 risk-based capital ratio | 23.5466% | 999 |
| Total risk-based capital ratio | 24.8148% | 986 |
| Memoranda: | ||
| Average total assets | $15,314,670 | 6,309 |
| Average earning assets | $14,195,000 | 6,291 |
| Average equity | $2,083,000 | 6,250 |
| Average total loans | $7,121,670 | 6,239 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9084% | 5,986 |
| Cost of funding earning assets | 0.5132% | 2,172 |
| Net interest margin | 2.3951% | 6,100 |
| Noninterest income to average assets | 0.1054% | 6,055 |
| Noninterest expense to average assets | 1.4232% | 6,220 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6062% | 4,260 |
| Return on assets (ROA) | 0.6062% | 4,356 |
| Pretax return on assets | 0.8961% | 3,911 |
| Return on Equity (ROE) | 4.4327% | 4,794 |
| Retained earnings to average equity (ytd only) | -0.5782% | 5,485 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3636% | 4,909 |
| Assets per employee ($millions) | 5.2887% | 2,009 |
| Cash dividends to net income (ytd only)* | 113.0435% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9997% | 297 |
| 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 | 42.3925% | 5,456 |
| Net loans and leases to deposits | 48.8382% | 5,524 |
| Net loans and leases to core deposits | 48.8382% | 5,640 |
| Total domestic deposits to total assets | 86.8020% | 2,489 |
| Equity capital to assets | 13.0720% | 1,360 |
| Core capital (leverage) ratio | 13.2068% | 1,087 |
| Tier 1 risk-based capital ratio | 2,183.1579% | 2 |
| Total risk-based capital ratio | 2,183.1579% | 2 |
| Memoranda: | ||
| Average total assets | $15,177,500 | 6,377 |
| Average earning assets | $14,028,500 | 6,357 |
| Average equity | $2,075,500 | 6,315 |
| Average total loans | $7,010,500 | 6,311 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0100% | 6,061 |
| Cost of funding earning assets | 0.4907% | 2,765 |
| Net interest margin | 2.5193% | 6,136 |
| Noninterest income to average assets | 0.2401% | 5,408 |
| Noninterest expense to average assets | 1.8544% | 6,004 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5270% | 4,694 |
| Return on assets (ROA) | 0.5270% | 4,784 |
| Pretax return on assets | 0.6804% | 4,690 |
| Return on Equity (ROE) | 3.8680% | 5,175 |
| Retained earnings to average equity (ytd only) | 2.5950% | 4,395 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1579% | 2,995 |
| Assets per employee ($millions) | 4.8297% | 2,559 |
| Cash dividends to net income (ytd only)* | 32.9114% | 3,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9350% | 320 |
| 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 | 47.4774% | 5,206 |
| Net loans and leases to deposits | 55.5295% | 5,209 |
| Net loans and leases to core deposits | 55.5295% | 5,411 |
| Total domestic deposits to total assets | 85.4993% | 3,082 |
| Equity capital to assets | 14.3350% | 863 |
| Core capital (leverage) ratio | 13.9978% | 816 |
| Tier 1 risk-based capital ratio | 24.4756% | 895 |
| Total risk-based capital ratio | 25.7365% | 874 |
| Memoranda: | ||
| Average total assets | $14,991,200 | 6,465 |
| Average earning assets | $13,654,400 | 6,451 |
| Average equity | $2,042,400 | 6,398 |
| Average total loans | $6,856,600 | 6,398 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9666% | 6,161 |
| Cost of funding earning assets | 0.4864% | 2,895 |
| Net interest margin | 2.4802% | 6,248 |
| Noninterest income to average assets | 0.1764% | 5,862 |
| Noninterest expense to average assets | 1.7111% | 6,204 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5733% | 4,577 |
| Return on assets (ROA) | 0.5733% | 4,654 |
| Pretax return on assets | 0.7144% | 4,657 |
| Return on Equity (ROE) | 4.2611% | 5,053 |
| Retained earnings to average equity (ytd only) | 2.5569% | 4,762 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5455% | 3,411 |
| Assets per employee ($millions) | 3.6625% | 4,552 |
| Cash dividends to net income (ytd only)* | 40.0069% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8089% | 436 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 49.1263% | 5,101 |
| Net loans and leases to deposits | 57.2827% | 5,151 |
| Net loans and leases to core deposits | 57.2827% | 5,377 |
| Total domestic deposits to total assets | 85.7611% | 2,978 |
| Equity capital to assets | 14.0819% | 975 |
| Core capital (leverage) ratio | 13.7195% | 923 |
| Tier 1 risk-based capital ratio | 24.0667% | 981 |
| Total risk-based capital ratio | 25.3266% | 965 |
| Memoranda: | ||
| Average total assets | $15,116,750 | 6,545 |
| Average earning assets | $13,708,000 | 6,530 |
| Average equity | $2,033,750 | 6,471 |
| Average total loans | $6,799,000 | 6,470 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8359% | 6,313 |
| Cost of funding earning assets | 0.4775% | 3,045 |
| Net interest margin | 2.3584% | 6,383 |
| Noninterest income to average assets | 0.1048% | 6,271 |
| Noninterest expense to average assets | 1.7024% | 6,265 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5107% | 4,766 |
| Return on assets (ROA) | 0.5107% | 4,861 |
| Pretax return on assets | 0.5369% | 5,168 |
| Return on Equity (ROE) | 3.8538% | 5,203 |
| Retained earnings to average equity (ytd only) | 1.2846% | 5,229 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0234% | 2,625 |
| Assets per employee ($millions) | 3.8665% | 4,134 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9173% | 421 |
| 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 | 44.7562% | 5,479 |
| Net loans and leases to deposits | 51.5874% | 5,526 |
| Net loans and leases to core deposits | 51.5874% | 5,689 |
| Total domestic deposits to total assets | 86.7580% | 2,599 |
| Equity capital to assets | 13.1708% | 1,279 |
| Core capital (leverage) ratio | 13.4199% | 1,006 |
| Tier 1 risk-based capital ratio | 23.4003% | 1,060 |
| Total risk-based capital ratio | 24.6640% | 1,044 |
| Memoranda: | ||
| Average total assets | $15,272,330 | 6,610 |
| Average earning assets | $13,823,000 | 6,595 |
| Average equity | $2,024,000 | 6,532 |
| Average total loans | $6,597,000 | 6,541 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8342% | 6,371 |
| Cost of funding earning assets | 0.4967% | 2,939 |
| Net interest margin | 2.3375% | 6,456 |
| Noninterest income to average assets | 0.0791% | 6,395 |
| Noninterest expense to average assets | 1.8451% | 6,154 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3427% | 5,342 |
| Return on assets (ROA) | 0.3427% | 5,402 |
| Pretax return on assets | 0.3427% | 5,615 |
| Return on Equity (ROE) | 2.5774% | 5,598 |
| Retained earnings to average equity (ytd only) | -2.5774% | 5,918 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3373% | 1,631 |
| Assets per employee ($millions) | 3.8298% | 4,267 |
| Cash dividends to net income (ytd only)* | 200.0000% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1907% | 361 |
| 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 | 41.1972% | 5,735 |
| Net loans and leases to deposits | 47.4618% | 5,766 |
| Net loans and leases to core deposits | 47.4618% | 5,907 |
| Total domestic deposits to total assets | 86.8007% | 2,936 |
| Equity capital to assets | 13.1275% | 1,248 |
| Core capital (leverage) ratio | 13.1146% | 1,117 |
| Tier 1 risk-based capital ratio | 24.6567% | 922 |
| Total risk-based capital ratio | 25.9196% | 903 |
| Memoranda: | ||
| Average total assets | $15,175,500 | 6,683 |
| Average earning assets | $13,690,000 | 6,668 |
| Average equity | $2,017,500 | 6,599 |
| Average total loans | $6,330,500 | 6,618 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9211% | 6,409 |
| Cost of funding earning assets | 0.5753% | 2,884 |
| Net interest margin | 2.3458% | 6,489 |
| Noninterest income to average assets | 0.2520% | 5,543 |
| Noninterest expense to average assets | 1.8436% | 6,262 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3846% | 5,194 |
| Return on assets (ROA) | 0.3846% | 5,309 |
| Pretax return on assets | 0.4907% | 5,227 |
| Return on Equity (ROE) | 2.8968% | 5,545 |
| Retained earnings to average equity (ytd only) | 1.5982% | 5,079 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9773% | 2,322 |
| Assets per employee ($millions) | 3.7580% | 4,355 |
| Cash dividends to net income (ytd only)* | 44.8276% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3865% | 319 |
| Loan loss allowance to noncurrent loans | 495.2381% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.2794% | 5,422 |
| Noncurrent loans to loans | 0.6838% | 4,262 |
| Net loans and leases to total assets | 39.4758% | 6,001 |
| Net loans and leases to deposits | 45.6567% | 6,035 |
| Net loans and leases to core deposits | 45.6567% | 6,153 |
| Total domestic deposits to total assets | 86.4622% | 3,015 |
| Equity capital to assets | 13.4646% | 1,083 |
| Core capital (leverage) ratio | 13.3880% | 994 |
| Tier 1 risk-based capital ratio | 26.6702% | 717 |
| Total risk-based capital ratio | 27.9352% | 695 |
| Memoranda: | ||
| Average total assets | $15,079,000 | 6,762 |
| Average earning assets | $13,385,400 | 6,753 |
| Average equity | $2,002,200 | 6,686 |
| Average total loans | $6,264,800 | 6,707 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9504% | 6,464 |
| Cost of funding earning assets | 0.5901% | 2,899 |
| Net interest margin | 2.3604% | 6,547 |
| Noninterest income to average assets | 0.1502% | 6,285 |
| Noninterest expense to average assets | 1.6875% | 6,481 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4418% | 5,061 |
| Return on assets (ROA) | 0.4418% | 5,200 |
| Pretax return on assets | 0.5478% | 5,210 |
| Return on Equity (ROE) | 3.3389% | 5,486 |
| Retained earnings to average equity (ytd only) | 1.6026% | 5,333 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4941% | 2,815 |
| Assets per employee ($millions) | 3.7275% | 4,398 |
| Cash dividends to net income (ytd only)* | 52.0024% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3586% | 388 |
| Loan loss allowance to noncurrent loans | 20,800.0000% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 6,494 |
| Noncurrent loans to loans | 0.0161% | 6,310 |
| Net loans and leases to total assets | 40.1408% | 6,021 |
| Net loans and leases to deposits | 46.4638% | 6,066 |
| Net loans and leases to core deposits | 46.4638% | 6,195 |
| Total domestic deposits to total assets | 86.3917% | 3,033 |
| Equity capital to assets | 13.5211% | 1,111 |
| Core capital (leverage) ratio | 13.1980% | 1,129 |
| Tier 1 risk-based capital ratio | 26.7091% | 729 |
| Total risk-based capital ratio | 27.9809% | 715 |
| Memoranda: | ||
| Average total assets | $15,090,750 | 6,840 |
| Average earning assets | $13,331,000 | 6,831 |
| Average equity | $1,996,750 | 6,769 |
| Average total loans | $6,295,500 | 6,783 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8673% | 6,559 |
| Cost of funding earning assets | 0.6005% | 2,929 |
| Net interest margin | 2.2668% | 6,645 |
| Noninterest income to average assets | 0.0924% | 6,552 |
| Noninterest expense to average assets | 1.6501% | 6,549 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3564% | 5,380 |
| Return on assets (ROA) | 0.3564% | 5,557 |
| Pretax return on assets | 0.4356% | 5,561 |
| Return on Equity (ROE) | 2.7131% | 5,718 |
| Retained earnings to average equity (ytd only) | 0.1005% | 5,821 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1139% | 2,283 |
| Assets per employee ($millions) | 3.7568% | 4,292 |
| Cash dividends to net income (ytd only)* | 96.2963% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5046% | 372 |
| Loan loss allowance to noncurrent loans | 20,800.0000% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 6,545 |
| Noncurrent loans to loans | 0.0168% | 6,373 |
| Net loans and leases to total assets | 38.1114% | 6,172 |
| Net loans and leases to deposits | 43.9828% | 6,228 |
| Net loans and leases to core deposits | 43.9828% | 6,332 |
| Total domestic deposits to total assets | 86.6507% | 3,028 |
| Equity capital to assets | 13.2628% | 1,235 |
| Core capital (leverage) ratio | 12.9432% | 1,189 |
| Tier 1 risk-based capital ratio | 27.1859% | 678 |
| Total risk-based capital ratio | 28.4545% | 666 |
| Memoranda: | ||
| Average total assets | $15,151,000 | 6,888 |
| Average earning assets | $13,322,670 | 6,881 |
| Average equity | $1,990,330 | 6,819 |
| Average total loans | $6,329,670 | 6,831 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9691% | 6,544 |
| Cost of funding earning assets | 0.6298% | 2,848 |
| Net interest margin | 2.3393% | 6,656 |
| Noninterest income to average assets | 0.0526% | 6,725 |
| Noninterest expense to average assets | 1.4198% | 6,798 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5522% | 4,446 |
| Return on assets (ROA) | 0.5522% | 4,598 |
| Pretax return on assets | 0.6836% | 4,644 |
| Return on Equity (ROE) | 4.2232% | 4,985 |
| Retained earnings to average equity (ytd only) | -1.0055% | 5,954 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5000% | 4,411 |
| Assets per employee ($millions) | 3.8055% | 4,343 |
| Cash dividends to net income (ytd only)* | 123.8095% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4102% | 457 |
| Loan loss allowance to noncurrent loans | 10,350.0000% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0131% | 6,582 |
| Noncurrent loans to loans | 0.0329% | 6,397 |
| Net loans and leases to total assets | 38.5166% | 6,118 |
| Net loans and leases to deposits | 44.3595% | 6,175 |
| Net loans and leases to core deposits | 44.3595% | 6,295 |
| Total domestic deposits to total assets | 86.8283% | 3,061 |
| Equity capital to assets | 13.0469% | 1,405 |
| Core capital (leverage) ratio | 13.0675% | 1,089 |
| Tier 1 risk-based capital ratio | 26.8161% | 726 |
| Total risk-based capital ratio | 28.0853% | 714 |
| Memoranda: | ||
| Average total assets | $15,213,000 | 6,962 |
| Average earning assets | $13,337,500 | 6,954 |
| Average equity | $1,989,000 | 6,880 |
| Average total loans | $6,527,000 | 6,895 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3370% | 6,553 |
| Cost of funding earning assets | 0.8015% | 2,653 |
| Net interest margin | 2.5355% | 6,690 |
| Noninterest income to average assets | 0.2573% | 5,624 |
| Noninterest expense to average assets | 1.8720% | 6,529 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4889% | 4,724 |
| Return on assets (ROA) | 0.4889% | 4,982 |
| Pretax return on assets | 0.6240% | 4,913 |
| Return on Equity (ROE) | 3.8855% | 5,191 |
| Retained earnings to average equity (ytd only) | 2.5562% | 4,428 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0000% | 2,908 |
| Assets per employee ($millions) | 3.8010% | 4,361 |
| Cash dividends to net income (ytd only)* | 34.2105% | 3,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9639% | 689 |
| Loan loss allowance to noncurrent loans | 2,587.5000% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.0526% | 6,501 |
| Noncurrent loans to loans | 0.1145% | 6,198 |
| Net loans and leases to total assets | 44.5738% | 5,765 |
| Net loans and leases to deposits | 51.3565% | 5,861 |
| Net loans and leases to core deposits | 51.3565% | 6,062 |
| Total domestic deposits to total assets | 86.7929% | 2,940 |
| Equity capital to assets | 13.1018% | 1,388 |
| Core capital (leverage) ratio | 13.0281% | 1,109 |
| Tier 1 risk-based capital ratio | 24.2159% | 946 |
| Total risk-based capital ratio | 25.4802% | 927 |
| Memoranda: | ||
| Average total assets | $15,544,800 | 7,018 |
| Average earning assets | $13,725,000 | 7,014 |
| Average equity | $1,956,000 | 6,956 |
| Average total loans | $6,990,600 | 6,948 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2802% | 6,745 |
| Cost of funding earning assets | 0.8297% | 2,706 |
| Net interest margin | 2.4505% | 6,861 |
| Noninterest income to average assets | 0.1450% | 6,415 |
| Noninterest expense to average assets | 1.7232% | 6,763 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4607% | 4,992 |
| Return on assets (ROA) | 0.4607% | 5,242 |
| Pretax return on assets | 0.5886% | 5,203 |
| Return on Equity (ROE) | 3.6980% | 5,414 |
| Retained earnings to average equity (ytd only) | 1.9173% | 5,374 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5387% | 2,900 |
| Assets per employee ($millions) | 3.6975% | 4,548 |
| Cash dividends to net income (ytd only)* | 48.1528% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7545% | 930 |
| Loan loss allowance to noncurrent loans | 363.1579% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.3854% | 5,732 |
| Noncurrent loans to loans | 0.7585% | 4,901 |
| Net loans and leases to total assets | 49.4118% | 5,383 |
| Net loans and leases to deposits | 57.0759% | 5,525 |
| Net loans and leases to core deposits | 57.0759% | 5,804 |
| Total domestic deposits to total assets | 86.5720% | 2,937 |
| Equity capital to assets | 13.3198% | 1,429 |
| Core capital (leverage) ratio | 13.1071% | 1,148 |
| Tier 1 risk-based capital ratio | 22.7851% | 1,201 |
| Total risk-based capital ratio | 24.0458% | 1,184 |
| Memoranda: | ||
| Average total assets | $15,630,000 | 7,107 |
| Average earning assets | $13,820,000 | 7,106 |
| Average equity | $1,947,000 | 7,048 |
| Average total loans | $6,992,250 | 7,043 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1212% | 6,919 |
| Cost of funding earning assets | 0.8551% | 2,756 |
| Net interest margin | 2.2661% | 7,017 |
| Noninterest income to average assets | 0.0629% | 6,814 |
| Noninterest expense to average assets | 1.5965% | 6,929 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3771% | 5,319 |
| Return on assets (ROA) | 0.3771% | 5,542 |
| Pretax return on assets | 0.4651% | 5,528 |
| Return on Equity (ROE) | 3.0939% | 5,658 |
| Retained earnings to average equity (ytd only) | 0.4125% | 5,905 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4390% | 2,530 |
| Assets per employee ($millions) | 3.8673% | 4,152 |
| Cash dividends to net income (ytd only)* | 86.6667% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8611% | 895 |
| 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 | 45.6526% | 5,850 |
| Net loans and leases to deposits | 52.2917% | 6,005 |
| Net loans and leases to core deposits | 52.2917% | 6,212 |
| Total domestic deposits to total assets | 87.3036% | 2,593 |
| Equity capital to assets | 12.5865% | 1,758 |
| Core capital (leverage) ratio | 12.2576% | 1,467 |
| Tier 1 risk-based capital ratio | 22.4335% | 1,210 |
| Total risk-based capital ratio | 23.7009% | 1,192 |
| Memoranda: | ||
| Average total assets | $15,910,000 | 7,165 |
| Average earning assets | $14,033,000 | 7,162 |
| Average equity | $1,939,330 | 7,099 |
| Average total loans | $6,818,000 | 7,108 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1806% | 6,961 |
| Cost of funding earning assets | 0.9046% | 2,651 |
| Net interest margin | 2.2760% | 7,068 |
| Noninterest income to average assets | 0.0496% | 6,931 |
| Noninterest expense to average assets | 1.5871% | 6,989 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3224% | 5,582 |
| Return on assets (ROA) | 0.3224% | 5,749 |
| Pretax return on assets | 0.3968% | 5,735 |
| Return on Equity (ROE) | 2.6866% | 5,833 |
| Retained earnings to average equity (ytd only) | -2.6866% | 6,361 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0000% | 2,204 |
| Assets per employee ($millions) | 4.0705% | 3,857 |
| Cash dividends to net income (ytd only)* | 200.0000% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1236% | 738 |
| 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 | 39.4300% | 6,394 |
| Net loans and leases to deposits | 44.7886% | 6,512 |
| Net loans and leases to core deposits | 44.7886% | 6,626 |
| Total domestic deposits to total assets | 88.0359% | 2,298 |
| Equity capital to assets | 11.8474% | 2,149 |
| Core capital (leverage) ratio | 12.0661% | 1,553 |
| Tier 1 risk-based capital ratio | 23.9925% | 1,007 |
| Total risk-based capital ratio | 25.2612% | 989 |
| Memoranda: | ||
| Average total assets | $16,130,500 | 7,226 |
| Average earning assets | $13,708,000 | 7,228 |
| Average equity | $1,935,500 | 7,156 |
| Average total loans | $6,592,000 | 7,177 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7656% | 6,761 |
| Cost of funding earning assets | 1.1274% | 2,486 |
| Net interest margin | 2.6382% | 6,979 |
| Noninterest income to average assets | 0.2893% | 5,464 |
| Noninterest expense to average assets | 1.9068% | 6,820 |
| Loan and lease loss provision to assets | 0.0329% | 6,153 |
| Net operating income to assets | 0.4997% | 4,427 |
| Return on assets (ROA) | 0.4997% | 4,639 |
| Pretax return on assets | 0.6575% | 4,488 |
| Return on Equity (ROE) | 3.9620% | 4,865 |
| Retained earnings to average equity (ytd only) | 2.6066% | 4,372 |
| Net charge-offs to loans | 0.1329% | 5,087 |
| Credit loss provision to net charge-offs | 55.5556% | 5,280 |
| Earnings coverage of net charge-offs (x) | 11.6667% | 1,696 |
| Efficiency ratio | 73.4177% | 3,322 |
| Assets per employee ($millions) | 3.9948% | 3,866 |
| Cash dividends to net income (ytd only)* | 34.2105% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1569% | 707 |
| 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 | 39.7397% | 6,558 |
| Net loans and leases to deposits | 45.3054% | 6,662 |
| Net loans and leases to core deposits | 45.3054% | 6,759 |
| Total domestic deposits to total assets | 87.7151% | 2,324 |
| Equity capital to assets | 12.1535% | 2,009 |
| Core capital (leverage) ratio | 12.4960% | 1,355 |
| Tier 1 risk-based capital ratio | 24.7389% | 895 |
| Total risk-based capital ratio | 26.0000% | 886 |
| Memoranda: | ||
| Average total assets | $15,208,400 | 7,284 |
| Average earning assets | $13,304,600 | 7,278 |
| Average equity | $1,918,200 | 7,218 |
| Average total loans | $6,774,200 | 7,217 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8238% | 6,816 |
| Cost of funding earning assets | 1.1542% | 2,610 |
| Net interest margin | 2.6696% | 7,014 |
| Noninterest income to average assets | 0.2131% | 6,091 |
| Noninterest expense to average assets | 1.5450% | 7,200 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7459% | 3,403 |
| Return on assets (ROA) | 0.7459% | 3,568 |
| Pretax return on assets | 1.0301% | 3,286 |
| Return on Equity (ROE) | 5.8570% | 4,089 |
| Retained earnings to average equity (ytd only) | 4.0439% | 3,850 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0000% | 5,722 |
| Assets per employee ($millions) | 3.7518% | 4,406 |
| Cash dividends to net income (ytd only)* | 30.9554% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8908% | 940 |
| Loan loss allowance to noncurrent loans | 2,344.4444% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.0600% | 6,898 |
| Noncurrent loans to loans | 0.1233% | 6,628 |
| Net loans and leases to total assets | 47.2313% | 6,031 |
| Net loans and leases to deposits | 54.4142% | 6,176 |
| Net loans and leases to core deposits | 54.4142% | 6,427 |
| Total domestic deposits to total assets | 86.7995% | 2,771 |
| Equity capital to assets | 12.9939% | 1,618 |
| Core capital (leverage) ratio | 13.0513% | 1,213 |
| Tier 1 risk-based capital ratio | 23.3281% | 1,104 |
| Total risk-based capital ratio | 24.5962% | 1,080 |
| Memoranda: | ||
| Average total assets | $15,015,750 | 7,363 |
| Average earning assets | $13,285,000 | 7,353 |
| Average equity | $1,912,250 | 7,295 |
| Average total loans | $6,828,500 | 7,290 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7360% | 6,986 |
| Cost of funding earning assets | 1.1759% | 2,733 |
| Net interest margin | 2.5602% | 7,148 |
| Noninterest income to average assets | 0.0932% | 6,860 |
| Noninterest expense to average assets | 1.4915% | 7,312 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6658% | 3,708 |
| Return on assets (ROA) | 0.6658% | 3,833 |
| Pretax return on assets | 0.8922% | 3,645 |
| Return on Equity (ROE) | 5.2641% | 4,328 |
| Retained earnings to average equity (ytd only) | 2.5268% | 4,683 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5698% | 5,485 |
| Assets per employee ($millions) | 3.7925% | 4,215 |
| Cash dividends to net income (ytd only)* | 52.0000% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9527% | 935 |
| Loan loss allowance to noncurrent loans | 1,507.1429% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.0923% | 6,864 |
| Noncurrent loans to loans | 0.1959% | 6,519 |
| Net loans and leases to total assets | 45.7152% | 6,299 |
| Net loans and leases to deposits | 52.4267% | 6,433 |
| Net loans and leases to core deposits | 52.4267% | 6,639 |
| Total domestic deposits to total assets | 87.1984% | 2,623 |
| Equity capital to assets | 12.6302% | 1,721 |
| Core capital (leverage) ratio | 12.4683% | 1,376 |
| Tier 1 risk-based capital ratio | 22.9187% | 1,130 |
| Total risk-based capital ratio | 24.1866% | 1,111 |
| Memoranda: | ||
| Average total assets | $15,018,670 | 7,436 |
| Average earning assets | $13,436,670 | 7,423 |
| Average equity | $1,899,670 | 7,364 |
| Average total loans | $6,671,670 | 7,368 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7084% | 7,061 |
| Cost of funding earning assets | 1.2060% | 2,776 |
| Net interest margin | 2.5024% | 7,197 |
| Noninterest income to average assets | 0.0535% | 7,121 |
| Noninterest expense to average assets | 1.4187% | 7,407 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6424% | 3,791 |
| Return on assets (ROA) | 0.6424% | 3,865 |
| Pretax return on assets | 0.8566% | 3,677 |
| Return on Equity (ROE) | 5.0753% | 4,365 |
| Retained earnings to average equity (ytd only) | -0.4229% | 5,870 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3529% | 5,623 |
| Assets per employee ($millions) | 3.8885% | 4,100 |
| Cash dividends to net income (ytd only)* | 108.3333% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1112% | 829 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 42.2464% | 6,597 |
| Net loans and leases to deposits | 48.2028% | 6,744 |
| Net loans and leases to core deposits | 48.2028% | 6,867 |
| Total domestic deposits to total assets | 87.6431% | 2,583 |
| Equity capital to assets | 12.1576% | 1,825 |
| Core capital (leverage) ratio | 12.6794% | 1,250 |
| Tier 1 risk-based capital ratio | 23.7921% | 994 |
| Total risk-based capital ratio | 25.0629% | 974 |
| Memoranda: | ||
| Average total assets | $14,943,000 | 7,497 |
| Average earning assets | $13,267,000 | 7,482 |
| Average equity | $1,891,500 | 7,412 |
| Average total loans | $6,434,500 | 7,432 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2660% | 6,838 |
| Cost of funding earning assets | 1.4481% | 2,963 |
| Net interest margin | 2.8179% | 7,007 |
| Noninterest income to average assets | 0.2799% | 5,775 |
| Noninterest expense to average assets | 1.8826% | 7,184 |
| Loan and lease loss provision to assets | 0.0210% | 6,908 |
| Net operating income to assets | 0.6439% | 3,465 |
| Return on assets (ROA) | 0.6439% | 3,614 |
| Pretax return on assets | 0.8958% | 3,309 |
| Return on Equity (ROE) | 4.9505% | 4,092 |
| Retained earnings to average equity (ytd only) | 3.5514% | 3,373 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2500% | 4,714 |
| Assets per employee ($millions) | 3.5830% | 4,744 |
| Cash dividends to net income (ytd only)* | 28.2609% | 3,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4664% | 604 |
| Loan loss allowance to noncurrent loans | 2,637.5000% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0558% | 7,089 |
| Noncurrent loans to loans | 0.1314% | 6,810 |
| Net loans and leases to total assets | 40.9992% | 6,902 |
| Net loans and leases to deposits | 47.3337% | 6,983 |
| Net loans and leases to core deposits | 47.3337% | 7,103 |
| Total domestic deposits to total assets | 86.6174% | 3,020 |
| Equity capital to assets | 13.2012% | 1,300 |
| Core capital (leverage) ratio | 12.7743% | 1,209 |
| Tier 1 risk-based capital ratio | 26.1651% | 743 |
| Total risk-based capital ratio | 27.4374% | 723 |
| Memoranda: | ||
| Average total assets | $14,288,600 | 7,584 |
| Average earning assets | $12,775,400 | 7,568 |
| Average equity | $1,858,400 | 7,526 |
| Average total loans | $6,662,400 | 7,505 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4191% | 6,790 |
| Cost of funding earning assets | 1.4801% | 3,090 |
| Net interest margin | 2.9390% | 6,946 |
| Noninterest income to average assets | 0.1961% | 6,484 |
| Noninterest expense to average assets | 1.6716% | 7,454 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.8125% | 2,947 |
| Return on assets (ROA) | 0.8125% | 3,091 |
| Pretax return on assets | 1.1393% | 2,698 |
| Return on Equity (ROE) | 6.2703% | 3,690 |
| Retained earnings to average equity (ytd only) | 4.3962% | 3,400 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4684% | 6,035 |
| Assets per employee ($millions) | 3.6103% | 4,707 |
| Cash dividends to net income (ytd only)* | 29.8879% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0361% | 798 |
| Loan loss allowance to noncurrent loans | 3,466.6667% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.0415% | 7,246 |
| Noncurrent loans to loans | 0.0876% | 7,011 |
| Net loans and leases to total assets | 46.0010% | 6,693 |
| Net loans and leases to deposits | 53.0973% | 6,829 |
| Net loans and leases to core deposits | 53.0973% | 7,005 |
| Total domestic deposits to total assets | 86.6353% | 2,724 |
| Equity capital to assets | 13.0739% | 1,537 |
| Core capital (leverage) ratio | 12.9742% | 1,241 |
| Tier 1 risk-based capital ratio | 23.7216% | 978 |
| Total risk-based capital ratio | 24.9906% | 953 |
| Memoranda: | ||
| Average total assets | $14,277,750 | 7,683 |
| Average earning assets | $12,702,250 | 7,669 |
| Average equity | $1,850,000 | 7,628 |
| Average total loans | $6,806,250 | 7,602 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4143% | 6,871 |
| Cost of funding earning assets | 1.5189% | 3,141 |
| Net interest margin | 2.8954% | 7,013 |
| Noninterest income to average assets | 0.1266% | 6,962 |
| Noninterest expense to average assets | 1.5327% | 7,603 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8296% | 2,827 |
| Return on assets (ROA) | 0.8296% | 2,979 |
| Pretax return on assets | 1.1671% | 2,525 |
| Return on Equity (ROE) | 6.4224% | 3,587 |
| Retained earnings to average equity (ytd only) | 3.5922% | 3,809 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7708% | 6,535 |
| Assets per employee ($millions) | 3.6660% | 4,559 |
| Cash dividends to net income (ytd only)* | 44.0678% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9205% | 892 |
| Loan loss allowance to noncurrent loans | 2,971.4286% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0477% | 7,268 |
| Noncurrent loans to loans | 0.0983% | 7,069 |
| Net loans and leases to total assets | 47.1495% | 6,694 |
| Net loans and leases to deposits | 54.1595% | 6,852 |
| Net loans and leases to core deposits | 54.1595% | 7,027 |
| Total domestic deposits to total assets | 87.0567% | 2,500 |
| Equity capital to assets | 12.6773% | 1,696 |
| Core capital (leverage) ratio | 13.0429% | 1,192 |
| Tier 1 risk-based capital ratio | 22.7540% | 1,094 |
| Total risk-based capital ratio | 24.0147% | 1,076 |
| Memoranda: | ||
| Average total assets | $14,223,330 | 7,747 |
| Average earning assets | $12,640,670 | 7,737 |
| Average equity | $1,837,330 | 7,696 |
| Average total loans | $6,791,330 | 7,664 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4563% | 6,883 |
| Cost of funding earning assets | 1.5823% | 3,065 |
| Net interest margin | 2.8740% | 7,068 |
| Noninterest income to average assets | 0.0571% | 7,426 |
| Noninterest expense to average assets | 1.5425% | 7,692 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7713% | 3,097 |
| Return on assets (ROA) | 0.7713% | 3,216 |
| Pretax return on assets | 1.0569% | 2,884 |
| Return on Equity (ROE) | 5.9129% | 3,915 |
| Retained earnings to average equity (ytd only) | 0.2190% | 5,738 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3407% | 6,284 |
| Assets per employee ($millions) | 3.4910% | 5,051 |
| Cash dividends to net income (ytd only)* | 96.2963% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0620% | 775 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 47.1570% | 6,743 |
| Net loans and leases to deposits | 54.4035% | 6,890 |
| Net loans and leases to core deposits | 54.4035% | 7,081 |
| Total domestic deposits to total assets | 86.6800% | 2,795 |
| Equity capital to assets | 13.0836% | 1,491 |
| Core capital (leverage) ratio | 13.2902% | 1,132 |
| Tier 1 risk-based capital ratio | 23.2059% | 1,041 |
| Total risk-based capital ratio | 24.4761% | 1,025 |
| Memoranda: | ||
| Average total assets | $14,003,000 | 7,855 |
| Average earning assets | $12,387,000 | 7,841 |
| Average equity | $1,826,500 | 7,781 |
| Average total loans | $6,626,000 | 7,770 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0480% | 6,276 |
| Cost of funding earning assets | 2.3167% | 1,590 |
| Net interest margin | 2.7313% | 7,167 |
| Noninterest income to average assets | 0.3680% | 5,461 |
| Noninterest expense to average assets | 1.9049% | 7,499 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.6205% | 3,255 |
| Return on assets (ROA) | 0.6205% | 3,321 |
| Pretax return on assets | 0.8875% | 2,962 |
| Return on Equity (ROE) | 4.8002% | 3,755 |
| Retained earnings to average equity (ytd only) | 3.3490% | 2,826 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2171% | 4,972 |
| Assets per employee ($millions) | 3.5105% | 4,982 |
| Cash dividends to net income (ytd only)* | 30.2326% | 3,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2203% | 648 |
| Loan loss allowance to noncurrent loans | 2,971.4286% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.0499% | 7,381 |
| Noncurrent loans to loans | 0.1084% | 7,145 |
| Net loans and leases to total assets | 44.5165% | 7,082 |
| Net loans and leases to deposits | 51.3218% | 7,184 |
| Net loans and leases to core deposits | 57.4699% | 7,357 |
| Total domestic deposits to total assets | 86.7398% | 2,634 |
| Equity capital to assets | 13.0038% | 1,504 |
| Core capital (leverage) ratio | 13.2829% | 1,163 |
| Tier 1 risk-based capital ratio | 24.2336% | 926 |
| Total risk-based capital ratio | 25.5076% | 899 |
| Memoranda: | ||
| Average total assets | $13,859,200 | 7,921 |
| Average earning assets | $12,301,800 | 7,907 |
| Average equity | $1,791,600 | 7,877 |
| Average total loans | $6,587,800 | 7,842 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0913% | 6,304 |
| Cost of funding earning assets | 2.4490% | 1,449 |
| Net interest margin | 2.6423% | 7,302 |
| Noninterest income to average assets | 0.2799% | 6,231 |
| Noninterest expense to average assets | 1.6794% | 7,777 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.6853% | 3,261 |
| Return on assets (ROA) | 0.6853% | 3,315 |
| Pretax return on assets | 0.9748% | 2,976 |
| Return on Equity (ROE) | 5.3090% | 3,834 |
| Retained earnings to average equity (ytd only) | 3.3651% | 3,420 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2727% | 5,879 |
| Assets per employee ($millions) | 3.3743% | 5,217 |
| Cash dividends to net income (ytd only)* | 36.6258% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9753% | 679 |
| Loan loss allowance to noncurrent loans | 990.4762% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.1556% | 7,152 |
| Noncurrent loans to loans | 0.3004% | 6,760 |
| Net loans and leases to total assets | 50.2556% | 6,762 |
| Net loans and leases to deposits | 58.2332% | 6,949 |
| Net loans and leases to core deposits | 64.2938% | 7,236 |
| Total domestic deposits to total assets | 86.3007% | 2,542 |
| Equity capital to assets | 13.4178% | 1,530 |
| Core capital (leverage) ratio | 13.2908% | 1,295 |
| Tier 1 risk-based capital ratio | 23.2896% | 1,070 |
| Total risk-based capital ratio | 24.5628% | 1,045 |
| Memoranda: | ||
| Average total assets | $13,813,500 | 8,001 |
| Average earning assets | $12,413,000 | 7,988 |
| Average equity | $1,783,000 | 7,962 |
| Average total loans | $6,620,000 | 7,917 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0674% | 6,556 |
| Cost of funding earning assets | 2.5416% | 1,474 |
| Net interest margin | 2.5258% | 7,455 |
| Noninterest income to average assets | 0.1868% | 6,962 |
| Noninterest expense to average assets | 1.4513% | 7,991 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7041% | 3,233 |
| Return on assets (ROA) | 0.7041% | 3,337 |
| Pretax return on assets | 1.0346% | 2,863 |
| Return on Equity (ROE) | 5.5253% | 3,851 |
| Retained earnings to average equity (ytd only) | 2.5935% | 3,884 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3815% | 6,794 |
| Assets per employee ($millions) | 3.4915% | 4,835 |
| Cash dividends to net income (ytd only)* | 53.0612% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1482% | 499 |
| Loan loss allowance to noncurrent loans | 2,080.0000% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0716% | 7,405 |
| Noncurrent loans to loans | 0.1514% | 7,144 |
| Net loans and leases to total assets | 45.8184% | 7,206 |
| Net loans and leases to deposits | 52.7753% | 7,340 |
| Net loans and leases to core deposits | 58.5721% | 7,501 |
| Total domestic deposits to total assets | 86.8180% | 2,348 |
| Equity capital to assets | 12.8097% | 1,783 |
| Core capital (leverage) ratio | 12.8733% | 1,469 |
| Tier 1 risk-based capital ratio | 23.1946% | 1,115 |
| Total risk-based capital ratio | 24.4652% | 1,096 |
| Memoranda: | ||
| Average total assets | $13,919,000 | 8,091 |
| Average earning assets | $12,669,330 | 8,073 |
| Average equity | $1,773,670 | 8,046 |
| Average total loans | $6,496,330 | 8,011 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3416% | 5,699 |
| Cost of funding earning assets | 2.7182% | 1,218 |
| Net interest margin | 2.6234% | 7,333 |
| Noninterest income to average assets | 0.1727% | 7,074 |
| Noninterest expense to average assets | 1.3530% | 8,057 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7772% | 3,225 |
| Return on assets (ROA) | 0.7772% | 3,396 |
| Pretax return on assets | 1.2090% | 2,596 |
| Return on Equity (ROE) | 6.1155% | 3,995 |
| Retained earnings to average equity (ytd only) | 0.2265% | 5,572 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8090% | 7,336 |
| Assets per employee ($millions) | 3.4533% | 4,931 |
| Cash dividends to net income (ytd only)* | 96.2963% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2515% | 390 |
| 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 | 44.8056% | 7,280 |
| Net loans and leases to deposits | 51.6395% | 7,426 |
| Net loans and leases to core deposits | 57.4705% | 7,545 |
| Total domestic deposits to total assets | 86.7661% | 2,330 |
| Equity capital to assets | 12.7851% | 1,843 |
| Core capital (leverage) ratio | 12.8605% | 1,530 |
| Tier 1 risk-based capital ratio | 23.6571% | 1,119 |
| Total risk-based capital ratio | 24.9297% | 1,095 |
| Memoranda: | ||
| Average total assets | $13,895,500 | 8,143 |
| Average earning assets | $12,655,500 | 8,123 |
| Average equity | $1,766,000 | 8,102 |
| Average total loans | $6,441,000 | 8,062 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3011% | 3,959 |
| Cost of funding earning assets | 3.5319% | 476 |
| Net interest margin | 2.7692% | 7,383 |
| Noninterest income to average assets | 0.4980% | 4,623 |
| Noninterest expense to average assets | 1.7914% | 7,765 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8400% | 3,268 |
| Return on assets (ROA) | 0.8400% | 3,104 |
| Pretax return on assets | 1.1893% | 2,680 |
| Return on Equity (ROE) | 6.5500% | 3,728 |
| Retained earnings to average equity (ytd only) | 5.0429% | 2,003 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0998% | 6,321 |
| Assets per employee ($millions) | 3.4945% | 4,676 |
| Cash dividends to net income (ytd only)* | 23.0088% | 4,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2074% | 364 |
| Loan loss allowance to noncurrent loans | 20,800.0000% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0072% | 7,613 |
| Noncurrent loans to loans | 0.0154% | 7,473 |
| Net loans and leases to total assets | 44.9063% | 7,410 |
| Net loans and leases to deposits | 51.6668% | 7,551 |
| Net loans and leases to core deposits | 57.3556% | 7,693 |
| Total domestic deposits to total assets | 86.9152% | 1,978 |
| Equity capital to assets | 12.6341% | 1,951 |
| Core capital (leverage) ratio | 12.5071% | 1,746 |
| Tier 1 risk-based capital ratio | 22.9798% | 1,199 |
| Total risk-based capital ratio | 24.2420% | 1,169 |
| Memoranda: | ||
| Average total assets | $13,452,800 | 8,196 |
| Average earning assets | $12,061,400 | 8,187 |
| Average equity | $1,725,200 | 8,177 |
| Average total loans | $6,802,400 | 8,089 |