Home > Campus State Bank > Performance and Condition Ratios
Campus State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2368% | 3,560 |
| Cost of funding earning assets | 0.2306% | 4,431 |
| Net interest margin | 4.0062% | 1,194 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 3.5542% | 545 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.4438% | 3,779 |
| Return on assets (ROA) | 0.4438% | 3,783 |
| Pretax return on assets | 0.5433% | 3,737 |
| Return on Equity (ROE) | 4.4200% | 3,829 |
| Retained earnings to average equity (ytd only) | 3.2739% | 3,198 |
| Net charge-offs to loans | 0.0500% | 1,365 |
| Credit loss provision to net charge-offs | 100.0000% | 1,838 |
| Earnings coverage of net charge-offs (x) | 18.7500% | 1,921 |
| Efficiency ratio | 86.0982% | 553 |
| Assets per employee ($millions) | 6.8723% | 2,154 |
| Cash dividends to net income (ytd only)* | 25.8621% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7897% | 3,994 |
| 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 | 59.4100% | 2,894 |
| Net loans and leases to deposits | 65.8018% | 3,181 |
| Net loans and leases to core deposits | 65.8018% | 3,506 |
| Total domestic deposits to total assets | 90.2900% | 684 |
| Equity capital to assets | 9.6220% | 2,260 |
| Core capital (leverage) ratio | 10.0091% | 2,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $26,138,400 | 4,489 |
| Average earning assets | $25,585,200 | 4,445 |
| Average equity | $2,626,800 | 4,451 |
| Average total loans | $15,997,400 | 4,338 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1995% | 3,465 |
| Cost of funding earning assets | 0.2113% | 4,437 |
| Net interest margin | 3.9882% | 1,240 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 3.0386% | 1,012 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.9612% | 2,479 |
| Return on assets (ROA) | 0.9612% | 2,471 |
| Pretax return on assets | 1.0439% | 2,730 |
| Return on Equity (ROE) | 9.4600% | 2,811 |
| Retained earnings to average equity (ytd only) | 7.9319% | 1,991 |
| Net charge-offs to loans | 0.0672% | 1,000 |
| Credit loss provision to net charge-offs | 100.0000% | 1,617 |
| Earnings coverage of net charge-offs (x) | 26.2500% | 1,674 |
| Efficiency ratio | 73.6842% | 1,389 |
| Assets per employee ($millions) | 6.6770% | 2,199 |
| Cash dividends to net income (ytd only)* | 16.1290% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8073% | 3,966 |
| 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 | 59.8100% | 2,865 |
| Net loans and leases to deposits | 66.6263% | 3,078 |
| Net loans and leases to core deposits | 66.6263% | 3,399 |
| Total domestic deposits to total assets | 89.7600% | 1,001 |
| Equity capital to assets | 10.1655% | 1,727 |
| Core capital (leverage) ratio | 10.3048% | 2,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $25,800,750 | 4,518 |
| Average earning assets | $25,240,750 | 4,471 |
| Average equity | $2,622,250 | 4,471 |
| Average total loans | $15,881,250 | 4,361 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0074% | 3,671 |
| Cost of funding earning assets | 0.1843% | 4,446 |
| Net interest margin | 3.8231% | 1,575 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 3.1218% | 880 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7844% | 3,128 |
| Return on assets (ROA) | 0.7844% | 3,140 |
| Pretax return on assets | 0.8314% | 3,322 |
| Return on Equity (ROE) | 7.7200% | 3,308 |
| Retained earnings to average equity (ytd only) | 5.4026% | 2,822 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 78.9683% | 920 |
| Assets per employee ($millions) | 6.4370% | 2,344 |
| Cash dividends to net income (ytd only)* | 30.0000% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8351% | 3,939 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0854% | 2,939 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 59.9500% | 2,772 |
| Net loans and leases to deposits | 66.8182% | 3,015 |
| Net loans and leases to core deposits | 66.8182% | 3,302 |
| Total domestic deposits to total assets | 89.7300% | 1,005 |
| Equity capital to assets | 10.2105% | 1,740 |
| Core capital (leverage) ratio | 10.0263% | 2,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $25,498,333 | 4,548 |
| Average earning assets | $24,953,667 | 4,504 |
| Average equity | $2,591,333 | 4,501 |
| Average total loans | $15,807,333 | 4,384 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8833% | 3,705 |
| Cost of funding earning assets | 0.1611% | 4,437 |
| Net interest margin | 3.7221% | 1,847 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 2.9795% | 1,093 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8986% | 2,858 |
| Return on assets (ROA) | 0.8986% | 2,817 |
| Pretax return on assets | 0.8986% | 3,241 |
| Return on Equity (ROE) | 8.8600% | 3,089 |
| Retained earnings to average equity (ytd only) | 4.1983% | 3,210 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 76.8293% | 1,098 |
| Assets per employee ($millions) | 6.5415% | 2,313 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8493% | 3,993 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0803% | 2,995 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 58.0000% | 2,871 |
| Net loans and leases to deposits | 64.3966% | 3,055 |
| Net loans and leases to core deposits | 64.3966% | 3,324 |
| Total domestic deposits to total assets | 90.0700% | 1,134 |
| Equity capital to assets | 9.8792% | 1,881 |
| Core capital (leverage) ratio | 9.8480% | 2,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $25,373,500 | 4,608 |
| Average earning assets | $24,824,500 | 4,566 |
| Average equity | $2,572,500 | 4,565 |
| Average total loans | $15,927,500 | 4,445 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1482% | 3,908 |
| Cost of funding earning assets | 0.1444% | 4,152 |
| Net interest margin | 3.0038% | 3,440 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 2.8058% | 1,304 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.3497% | 4,316 |
| Return on assets (ROA) | 0.3497% | 4,283 |
| Pretax return on assets | 0.4362% | 4,241 |
| Return on Equity (ROE) | 3.5400% | 4,233 |
| Retained earnings to average equity (ytd only) | 2.3470% | 3,903 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 86.5455% | 406 |
| Assets per employee ($millions) | 6.1453% | 2,641 |
| Cash dividends to net income (ytd only)* | 33.7079% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7856% | 4,065 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0854% | 2,953 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 66.7900% | 1,947 |
| Net loans and leases to deposits | 74.5900% | 2,205 |
| Net loans and leases to core deposits | 74.5900% | 2,527 |
| Total domestic deposits to total assets | 89.5400% | 1,541 |
| Equity capital to assets | 10.4145% | 1,491 |
| Core capital (leverage) ratio | 9.8408% | 2,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $25,447,400 | 4,643 |
| Average earning assets | $24,934,800 | 4,599 |
| Average equity | $2,513,800 | 4,644 |
| Average total loans | $14,937,000 | 4,484 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9359% | 4,006 |
| Cost of funding earning assets | 0.1431% | 3,912 |
| Net interest margin | 2.7928% | 3,749 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 2.7015% | 1,471 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3221% | 4,358 |
| Return on assets (ROA) | 0.3221% | 4,310 |
| Pretax return on assets | 0.3377% | 4,341 |
| Return on Equity (ROE) | 3.3000% | 4,263 |
| Retained earnings to average equity (ytd only) | 1.7051% | 4,082 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 88.8889% | 355 |
| Assets per employee ($millions) | 6.4288% | 2,384 |
| Cash dividends to net income (ytd only)* | 48.3871% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8632% | 3,957 |
| Loan loss allowance to noncurrent loans | 232.1429% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.2178% | 2,156 |
| Noncurrent loans to loans | 0.3718% | 1,904 |
| Net loans and leases to total assets | 58.0600% | 2,691 |
| Net loans and leases to deposits | 64.4383% | 2,829 |
| Net loans and leases to core deposits | 64.4383% | 3,075 |
| Total domestic deposits to total assets | 90.1100% | 1,610 |
| Equity capital to assets | 9.8464% | 1,697 |
| Core capital (leverage) ratio | 9.6959% | 2,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $25,664,000 | 4,676 |
| Average earning assets | $25,159,000 | 4,635 |
| Average equity | $2,502,250 | 4,684 |
| Average total loans | $14,534,250 | 4,528 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7833% | 4,008 |
| Cost of funding earning assets | 0.1511% | 3,557 |
| Net interest margin | 2.6322% | 3,847 |
| Noninterest income to average assets | 0.3275% | 3,206 |
| Noninterest expense to average assets | 2.6748% | 1,449 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2261% | 4,391 |
| Return on assets (ROA) | 0.2261% | 4,350 |
| Pretax return on assets | 0.2339% | 4,373 |
| Return on Equity (ROE) | 2.3271% | 4,317 |
| Retained earnings to average equity (ytd only) | -0.0802% | 4,180 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9571% | 343 |
| Assets per employee ($millions) | 6.5283% | 2,292 |
| Cash dividends to net income (ytd only)* | 103.4483% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9302% | 3,867 |
| Loan loss allowance to noncurrent loans | 240.7407% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.2068% | 2,284 |
| Noncurrent loans to loans | 0.3864% | 1,978 |
| Net loans and leases to total assets | 53.0196% | 3,059 |
| Net loans and leases to deposits | 58.6603% | 3,165 |
| Net loans and leases to core deposits | 58.6603% | 3,378 |
| Total domestic deposits to total assets | 90.3841% | 1,520 |
| Equity capital to assets | 9.5699% | 1,963 |
| Core capital (leverage) ratio | 9.5971% | 2,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $25,647,000 | 4,712 |
| Average earning assets | $25,150,000 | 4,682 |
| Average equity | $2,492,333 | 4,716 |
| Average total loans | $14,358,667 | 4,591 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7457% | 3,849 |
| Cost of funding earning assets | 0.1606% | 3,359 |
| Net interest margin | 2.5851% | 3,694 |
| Noninterest income to average assets | 0.3463% | 3,024 |
| Noninterest expense to average assets | 2.7544% | 1,247 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1259% | 4,438 |
| Return on assets (ROA) | 0.1259% | 4,407 |
| Pretax return on assets | 0.1259% | 4,415 |
| Return on Equity (ROE) | 1.2857% | 4,378 |
| Retained earnings to average equity (ytd only) | -3.5356% | 4,344 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6284% | 338 |
| Assets per employee ($millions) | 6.6680% | 2,246 |
| Cash dividends to net income (ytd only)* | 375.0000% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9336% | 3,947 |
| Loan loss allowance to noncurrent loans | 236.3636% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.2062% | 2,396 |
| Noncurrent loans to loans | 0.3950% | 2,076 |
| Net loans and leases to total assets | 51.7172% | 3,011 |
| Net loans and leases to deposits | 57.0401% | 3,172 |
| Net loans and leases to core deposits | 57.0401% | 3,374 |
| Total domestic deposits to total assets | 90.6681% | 1,200 |
| Equity capital to assets | 9.2906% | 2,452 |
| Core capital (leverage) ratio | 9.5709% | 2,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $25,414,000 | 4,739 |
| Average earning assets | $24,912,000 | 4,708 |
| Average equity | $2,489,000 | 4,742 |
| Average total loans | $14,550,500 | 4,610 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9716% | 3,920 |
| Cost of funding earning assets | 0.1970% | 3,497 |
| Net interest margin | 2.7746% | 3,723 |
| Noninterest income to average assets | 0.3487% | 3,347 |
| Noninterest expense to average assets | 2.6869% | 1,667 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.2871% | 4,436 |
| Return on assets (ROA) | 0.2871% | 4,461 |
| Pretax return on assets | 0.3774% | 4,419 |
| Return on Equity (ROE) | 2.8335% | 4,393 |
| Retained earnings to average equity (ytd only) | 1.6192% | 4,086 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6841% | 401 |
| Assets per employee ($millions) | 6.0390% | 2,730 |
| Cash dividends to net income (ytd only)* | 42.8571% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8566% | 4,164 |
| Loan loss allowance to noncurrent loans | 236.3636% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.2277% | 2,415 |
| Noncurrent loans to loans | 0.3624% | 2,286 |
| Net loans and leases to total assets | 62.2909% | 1,905 |
| Net loans and leases to deposits | 69.5108% | 2,176 |
| Net loans and leases to core deposits | 69.5108% | 2,500 |
| Total domestic deposits to total assets | 89.6133% | 1,162 |
| Equity capital to assets | 10.3494% | 2,323 |
| Core capital (leverage) ratio | 10.0325% | 2,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $24,377,800 | 4,780 |
| Average earning assets | $23,859,200 | 4,753 |
| Average equity | $2,470,400 | 4,788 |
| Average total loans | $14,400,800 | 4,663 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9489% | 4,081 |
| Cost of funding earning assets | 0.2118% | 3,496 |
| Net interest margin | 2.7371% | 3,905 |
| Noninterest income to average assets | 0.3984% | 3,090 |
| Noninterest expense to average assets | 2.7830% | 1,381 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.2619% | 4,565 |
| Return on assets (ROA) | 0.2619% | 4,588 |
| Pretax return on assets | 0.2947% | 4,595 |
| Return on Equity (ROE) | 2.5984% | 4,517 |
| Retained earnings to average equity (ytd only) | 0.9744% | 4,418 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4255% | 305 |
| Assets per employee ($millions) | 6.2268% | 2,472 |
| Cash dividends to net income (ytd only)* | 62.5000% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8666% | 4,236 |
| Loan loss allowance to noncurrent loans | 236.3636% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.2208% | 2,678 |
| Noncurrent loans to loans | 0.3666% | 2,466 |
| Net loans and leases to total assets | 59.7101% | 2,299 |
| Net loans and leases to deposits | 66.4018% | 2,591 |
| Net loans and leases to core deposits | 66.4018% | 2,918 |
| Total domestic deposits to total assets | 89.9225% | 804 |
| Equity capital to assets | 9.9490% | 2,951 |
| Core capital (leverage) ratio | 9.8958% | 2,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $24,433,250 | 4,851 |
| Average earning assets | $23,917,750 | 4,827 |
| Average equity | $2,463,000 | 4,862 |
| Average total loans | $14,206,750 | 4,736 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9454% | 4,148 |
| Cost of funding earning assets | 0.2272% | 3,493 |
| Net interest margin | 2.7182% | 3,946 |
| Noninterest income to average assets | 0.3872% | 3,172 |
| Noninterest expense to average assets | 2.7270% | 1,519 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.2719% | 4,559 |
| Return on assets (ROA) | 0.2719% | 4,576 |
| Pretax return on assets | 0.3213% | 4,568 |
| Return on Equity (ROE) | 2.6851% | 4,528 |
| Retained earnings to average equity (ytd only) | 0.2441% | 4,472 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4595% | 359 |
| Assets per employee ($millions) | 6.3643% | 2,270 |
| Cash dividends to net income (ytd only)* | 90.9091% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9202% | 4,100 |
| Loan loss allowance to noncurrent loans | 232.1429% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.2200% | 2,835 |
| Noncurrent loans to loans | 0.3964% | 2,486 |
| Net loans and leases to total assets | 54.9868% | 3,018 |
| Net loans and leases to deposits | 60.9642% | 3,305 |
| Net loans and leases to core deposits | 60.9642% | 3,546 |
| Total domestic deposits to total assets | 90.1952% | 686 |
| Equity capital to assets | 9.6751% | 3,177 |
| Core capital (leverage) ratio | 9.9051% | 2,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $24,275,333 | 4,889 |
| Average earning assets | $23,765,667 | 4,862 |
| Average equity | $2,458,000 | 4,897 |
| Average total loans | $13,941,667 | 4,772 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0370% | 4,008 |
| Cost of funding earning assets | 0.2416% | 3,550 |
| Net interest margin | 2.7955% | 3,775 |
| Noninterest income to average assets | 0.5235% | 2,510 |
| Noninterest expense to average assets | 2.8542% | 1,247 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3547% | 4,439 |
| Return on assets (ROA) | 0.3547% | 4,468 |
| Pretax return on assets | 0.4053% | 4,476 |
| Return on Equity (ROE) | 3.4209% | 4,394 |
| Retained earnings to average equity (ytd only) | -1.4661% | 4,507 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5648% | 465 |
| Assets per employee ($millions) | 6.2923% | 2,332 |
| Cash dividends to net income (ytd only)* | 142.8571% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9645% | 3,980 |
| Loan loss allowance to noncurrent loans | 240.7407% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.2145% | 3,080 |
| Noncurrent loans to loans | 0.4006% | 2,666 |
| Net loans and leases to total assets | 53.0375% | 3,346 |
| Net loans and leases to deposits | 58.8632% | 3,575 |
| Net loans and leases to core deposits | 58.8632% | 3,776 |
| Total domestic deposits to total assets | 90.1029% | 771 |
| Equity capital to assets | 9.7382% | 2,956 |
| Core capital (leverage) ratio | 10.1760% | 2,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,684,500 | 4,918 |
| Average earning assets | $23,180,500 | 4,889 |
| Average equity | $2,455,500 | 4,924 |
| Average total loans | $13,848,500 | 4,801 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8341% | 3,206 |
| Cost of funding earning assets | 0.3512% | 3,863 |
| Net interest margin | 3.4829% | 2,524 |
| Noninterest income to average assets | 0.4043% | 3,073 |
| Noninterest expense to average assets | 3.2918% | 919 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.4234% | 4,201 |
| Return on assets (ROA) | 0.4234% | 4,279 |
| Pretax return on assets | 0.5090% | 4,255 |
| Return on Equity (ROE) | 3.6217% | 4,245 |
| Retained earnings to average equity (ytd only) | 2.4009% | 3,663 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6083% | 509 |
| Assets per employee ($millions) | 5.5500% | 2,793 |
| Cash dividends to net income (ytd only)* | 33.7079% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9143% | 4,147 |
| Loan loss allowance to noncurrent loans | 54.6218% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 1.0721% | 861 |
| Noncurrent loans to loans | 1.6739% | 776 |
| Net loans and leases to total assets | 63.4595% | 2,436 |
| Net loans and leases to deposits | 71.5054% | 2,733 |
| Net loans and leases to core deposits | 72.4542% | 3,033 |
| Total domestic deposits to total assets | 88.7477% | 1,093 |
| Equity capital to assets | 11.0811% | 2,191 |
| Core capital (leverage) ratio | 11.5857% | 1,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $21,021,800 | 4,948 |
| Average earning assets | $20,500,000 | 4,924 |
| Average equity | $2,457,400 | 4,942 |
| Average total loans | $13,709,800 | 4,832 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9191% | 3,193 |
| Cost of funding earning assets | 0.3629% | 3,989 |
| Net interest margin | 3.5562% | 2,407 |
| Noninterest income to average assets | 0.4246% | 2,963 |
| Noninterest expense to average assets | 2.9461% | 1,572 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.8684% | 2,831 |
| Return on assets (ROA) | 0.8684% | 2,966 |
| Pretax return on assets | 0.9456% | 3,245 |
| Return on Equity (ROE) | 7.3266% | 3,084 |
| Retained earnings to average equity (ytd only) | 5.6984% | 2,239 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7025% | 1,231 |
| Assets per employee ($millions) | 5.3598% | 2,826 |
| Cash dividends to net income (ytd only)* | 22.2222% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9013% | 4,066 |
| Loan loss allowance to noncurrent loans | 224.1379% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.2705% | 3,082 |
| Noncurrent loans to loans | 0.4021% | 2,852 |
| Net loans and leases to total assets | 66.6729% | 2,428 |
| Net loans and leases to deposits | 75.6456% | 2,787 |
| Net loans and leases to core deposits | 76.6928% | 3,115 |
| Total domestic deposits to total assets | 88.1384% | 1,155 |
| Equity capital to assets | 11.6936% | 1,882 |
| Core capital (leverage) ratio | 11.9975% | 1,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $20,727,250 | 4,979 |
| Average earning assets | $20,208,250 | 4,956 |
| Average equity | $2,456,750 | 4,971 |
| Average total loans | $13,582,750 | 4,864 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0608% | 3,159 |
| Cost of funding earning assets | 0.3710% | 4,170 |
| Net interest margin | 3.6898% | 2,202 |
| Noninterest income to average assets | 0.4002% | 3,075 |
| Noninterest expense to average assets | 2.8892% | 1,855 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.0444% | 2,170 |
| Return on assets (ROA) | 1.0444% | 2,301 |
| Pretax return on assets | 1.1030% | 2,699 |
| Return on Equity (ROE) | 8.7705% | 2,463 |
| Retained earnings to average equity (ytd only) | 6.3115% | 1,934 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3716% | 1,635 |
| Assets per employee ($millions) | 5.2163% | 2,911 |
| Cash dividends to net income (ytd only)* | 28.0374% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9844% | 3,649 |
| Loan loss allowance to noncurrent loans | 75.5814% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 0.8243% | 1,502 |
| Noncurrent loans to loans | 1.3024% | 1,188 |
| Net loans and leases to total assets | 62.6695% | 3,053 |
| Net loans and leases to deposits | 71.2550% | 3,325 |
| Net loans and leases to core deposits | 72.2631% | 3,577 |
| Total domestic deposits to total assets | 87.9511% | 1,201 |
| Equity capital to assets | 11.8763% | 1,739 |
| Core capital (leverage) ratio | 11.9930% | 1,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $20,490,000 | 5,008 |
| Average earning assets | $19,946,667 | 4,986 |
| Average equity | $2,440,000 | 5,002 |
| Average total loans | $13,302,333 | 4,899 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2998% | 2,923 |
| Cost of funding earning assets | 0.3854% | 4,407 |
| Net interest margin | 3.9144% | 1,626 |
| Noninterest income to average assets | 0.4926% | 2,587 |
| Noninterest expense to average assets | 2.8174% | 2,384 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3594% | 1,085 |
| Return on assets (ROA) | 1.3594% | 1,166 |
| Pretax return on assets | 1.4777% | 1,361 |
| Return on Equity (ROE) | 11.4002% | 1,291 |
| Retained earnings to average equity (ytd only) | 6.4436% | 1,731 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5963% | 3,016 |
| Assets per employee ($millions) | 5.0660% | 2,575 |
| Cash dividends to net income (ytd only)* | 43.4783% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0099% | 3,649 |
| Loan loss allowance to noncurrent loans | 77.3810% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 0.8291% | 1,619 |
| Noncurrent loans to loans | 1.3052% | 1,253 |
| Net loans and leases to total assets | 62.8800% | 3,206 |
| Net loans and leases to deposits | 71.6326% | 3,464 |
| Net loans and leases to core deposits | 72.6785% | 3,721 |
| Total domestic deposits to total assets | 87.7813% | 1,192 |
| Equity capital to assets | 12.0460% | 2,034 |
| Core capital (leverage) ratio | 11.9292% | 1,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $20,302,500 | 5,056 |
| Average earning assets | $19,722,000 | 5,035 |
| Average equity | $2,421,000 | 5,051 |
| Average total loans | $13,350,500 | 4,939 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3304% | 3,459 |
| Cost of funding earning assets | 0.3830% | 4,499 |
| Net interest margin | 3.9475% | 2,010 |
| Noninterest income to average assets | 0.5635% | 2,403 |
| Noninterest expense to average assets | 3.8777% | 610 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.4202% | 4,561 |
| Return on assets (ROA) | 0.4202% | 4,591 |
| Pretax return on assets | 0.5253% | 4,529 |
| Return on Equity (ROE) | 3.6524% | 4,544 |
| Retained earnings to average equity (ytd only) | 2.4072% | 3,818 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0694% | 434 |
| Assets per employee ($millions) | 5.0853% | 2,472 |
| Cash dividends to net income (ytd only)* | 34.0909% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9401% | 3,780 |
| Loan loss allowance to noncurrent loans | 85.5263% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 0.7473% | 1,738 |
| Noncurrent loans to loans | 1.0991% | 1,373 |
| Net loans and leases to total assets | 67.3467% | 2,779 |
| Net loans and leases to deposits | 76.5094% | 3,131 |
| Net loans and leases to core deposits | 77.6103% | 3,471 |
| Total domestic deposits to total assets | 88.0242% | 1,114 |
| Equity capital to assets | 11.8037% | 2,278 |
| Core capital (leverage) ratio | 11.5189% | 2,097 |
| Tier 1 risk-based capital ratio | 17.7366% | 1,829 |
| Total risk-based capital ratio | 18.6969% | 1,868 |
| Memoranda: | ||
| Average total assets | $20,940,200 | 5,107 |
| Average earning assets | $20,367,400 | 5,086 |
| Average equity | $2,409,400 | 5,110 |
| Average total loans | $14,089,400 | 4,986 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2802% | 3,716 |
| Cost of funding earning assets | 0.3767% | 4,574 |
| Net interest margin | 3.9035% | 2,239 |
| Noninterest income to average assets | 0.5753% | 2,331 |
| Noninterest expense to average assets | 3.1547% | 1,568 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1443% | 2,391 |
| Return on assets (ROA) | 1.1443% | 2,482 |
| Pretax return on assets | 1.2202% | 2,918 |
| Return on Equity (ROE) | 10.0075% | 2,425 |
| Retained earnings to average equity (ytd only) | 8.3487% | 1,267 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1098% | 1,822 |
| Assets per employee ($millions) | 5.4405% | 2,088 |
| Cash dividends to net income (ytd only)* | 16.5748% | 3,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9167% | 3,979 |
| Loan loss allowance to noncurrent loans | 183.0986% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.3263% | 3,242 |
| Noncurrent loans to loans | 0.5006% | 2,793 |
| Net loans and leases to total assets | 64.5713% | 3,229 |
| Net loans and leases to deposits | 73.0126% | 3,552 |
| Net loans and leases to core deposits | 78.1274% | 3,541 |
| Total domestic deposits to total assets | 88.4386% | 852 |
| Equity capital to assets | 11.4603% | 2,685 |
| Core capital (leverage) ratio | 11.8765% | 1,942 |
| Tier 1 risk-based capital ratio | 18.0705% | 1,793 |
| Total risk-based capital ratio | 19.0128% | 1,836 |
| Memoranda: | ||
| Average total assets | $21,090,000 | 5,185 |
| Average earning assets | $20,528,250 | 5,162 |
| Average equity | $2,411,500 | 5,187 |
| Average total loans | $14,154,500 | 5,061 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2677% | 3,738 |
| Cost of funding earning assets | 0.3638% | 4,637 |
| Net interest margin | 3.9039% | 2,230 |
| Noninterest income to average assets | 0.6134% | 2,086 |
| Noninterest expense to average assets | 3.1439% | 1,628 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1598% | 2,291 |
| Return on assets (ROA) | 1.1598% | 2,365 |
| Pretax return on assets | 1.2748% | 2,656 |
| Return on Equity (ROE) | 10.1510% | 2,320 |
| Retained earnings to average equity (ytd only) | 7.6342% | 1,547 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1497% | 2,045 |
| Assets per employee ($millions) | 5.1440% | 2,313 |
| Cash dividends to net income (ytd only)* | 24.7934% | 2,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9338% | 3,947 |
| Loan loss allowance to noncurrent loans | 73.4463% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.8602% | 1,630 |
| Noncurrent loans to loans | 1.2714% | 1,245 |
| Net loans and leases to total assets | 67.0295% | 2,958 |
| Net loans and leases to deposits | 76.1358% | 3,317 |
| Net loans and leases to core deposits | 81.8079% | 3,279 |
| Total domestic deposits to total assets | 88.0395% | 1,090 |
| Equity capital to assets | 11.8342% | 2,316 |
| Core capital (leverage) ratio | 11.6026% | 2,089 |
| Tier 1 risk-based capital ratio | 17.9393% | 1,824 |
| Total risk-based capital ratio | 18.8974% | 1,849 |
| Memoranda: | ||
| Average total assets | $20,866,000 | 5,233 |
| Average earning assets | $20,338,670 | 5,210 |
| Average equity | $2,384,000 | 5,229 |
| Average total loans | $14,145,330 | 5,106 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1529% | 3,997 |
| Cost of funding earning assets | 0.3509% | 4,678 |
| Net interest margin | 3.8019% | 2,518 |
| Noninterest income to average assets | 0.5331% | 2,370 |
| Noninterest expense to average assets | 3.0079% | 1,974 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1266% | 2,364 |
| Return on assets (ROA) | 1.1613% | 2,262 |
| Pretax return on assets | 1.2755% | 2,548 |
| Return on Equity (ROE) | 10.3456% | 2,221 |
| Retained earnings to average equity (ytd only) | 5.2576% | 2,799 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8520% | 2,211 |
| Assets per employee ($millions) | 5.2993% | 2,173 |
| Cash dividends to net income (ytd only)* | 49.1803% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9213% | 4,069 |
| Loan loss allowance to noncurrent loans | 166.6667% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.3680% | 3,126 |
| Noncurrent loans to loans | 0.5528% | 2,664 |
| Net loans and leases to total assets | 65.9527% | 3,056 |
| Net loans and leases to deposits | 74.3617% | 3,423 |
| Net loans and leases to core deposits | 79.6672% | 3,400 |
| Total domestic deposits to total assets | 88.6918% | 1,000 |
| Equity capital to assets | 11.1997% | 2,652 |
| Core capital (leverage) ratio | 11.2368% | 2,353 |
| Tier 1 risk-based capital ratio | 17.2818% | 2,022 |
| Total risk-based capital ratio | 18.2281% | 2,063 |
| Memoranda: | ||
| Average total assets | $21,011,000 | 5,287 |
| Average earning assets | $20,516,000 | 5,265 |
| Average equity | $2,358,500 | 5,287 |
| Average total loans | $14,257,000 | 5,161 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9698% | 4,112 |
| Cost of funding earning assets | 0.2542% | 4,785 |
| Net interest margin | 3.7155% | 2,976 |
| Noninterest income to average assets | 0.6334% | 2,138 |
| Noninterest expense to average assets | 3.5623% | 914 |
| Loan and lease loss provision to assets | 0.1619% | 1,264 |
| Net operating income to assets | 0.4191% | 4,830 |
| Return on assets (ROA) | 0.4191% | 4,824 |
| Pretax return on assets | 0.5286% | 4,759 |
| Return on Equity (ROE) | 3.7636% | 4,765 |
| Retained earnings to average equity (ytd only) | 2.4805% | 4,147 |
| Net charge-offs to loans | 0.2342% | 831 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | 4.2647% | 3,312 |
| Efficiency ratio | 83.7626% | 668 |
| Assets per employee ($millions) | 5.2063% | 2,260 |
| Cash dividends to net income (ytd only)* | 34.0909% | 2,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9025% | 4,147 |
| Loan loss allowance to noncurrent loans | 132.6531% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 0.4706% | 2,681 |
| Noncurrent loans to loans | 0.6804% | 2,292 |
| Net loans and leases to total assets | 68.5426% | 2,800 |
| Net loans and leases to deposits | 77.3030% | 3,243 |
| Net loans and leases to core deposits | 82.9161% | 3,188 |
| Total domestic deposits to total assets | 88.6675% | 995 |
| Equity capital to assets | 11.2509% | 2,466 |
| Core capital (leverage) ratio | 11.0280% | 2,500 |
| Tier 1 risk-based capital ratio | 17.1284% | 2,024 |
| Total risk-based capital ratio | 18.0788% | 2,070 |
| Memoranda: | ||
| Average total assets | $20,997,400 | 5,329 |
| Average earning assets | $20,454,600 | 5,310 |
| Average equity | $2,338,200 | 5,334 |
| Average total loans | $14,519,600 | 5,205 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9108% | 4,187 |
| Cost of funding earning assets | 0.2473% | 4,803 |
| Net interest margin | 3.6635% | 3,152 |
| Noninterest income to average assets | 0.6337% | 2,147 |
| Noninterest expense to average assets | 3.1367% | 1,674 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9885% | 3,137 |
| Return on assets (ROA) | 0.9885% | 3,147 |
| Pretax return on assets | 1.0646% | 3,521 |
| Return on Equity (ROE) | 8.8999% | 3,129 |
| Retained earnings to average equity (ytd only) | 7.1887% | 2,034 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6606% | 1,502 |
| Assets per employee ($millions) | 5.1905% | 2,230 |
| Cash dividends to net income (ytd only)* | 19.2317% | 3,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8981% | 4,273 |
| Loan loss allowance to noncurrent loans | 82.8025% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 0.7562% | 1,963 |
| Noncurrent loans to loans | 1.0846% | 1,568 |
| Net loans and leases to total assets | 69.0926% | 2,787 |
| Net loans and leases to deposits | 78.2725% | 3,215 |
| Net loans and leases to core deposits | 78.2725% | 3,634 |
| Total domestic deposits to total assets | 88.2718% | 1,131 |
| Equity capital to assets | 11.6174% | 2,164 |
| Core capital (leverage) ratio | 11.3913% | 2,256 |
| Tier 1 risk-based capital ratio | 17.4001% | 1,963 |
| Total risk-based capital ratio | 18.3379% | 2,012 |
| Memoranda: | ||
| Average total assets | $21,040,500 | 5,399 |
| Average earning assets | $20,489,750 | 5,380 |
| Average equity | $2,337,000 | 5,401 |
| Average total loans | $14,548,500 | 5,269 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8171% | 4,306 |
| Cost of funding earning assets | 0.2234% | 4,898 |
| Net interest margin | 3.5937% | 3,339 |
| Noninterest income to average assets | 0.6151% | 2,244 |
| Noninterest expense to average assets | 3.1230% | 1,729 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8801% | 3,544 |
| Return on assets (ROA) | 0.8801% | 3,548 |
| Pretax return on assets | 0.9937% | 3,683 |
| Return on Equity (ROE) | 8.0450% | 3,485 |
| Retained earnings to average equity (ytd only) | 5.4498% | 2,848 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8621% | 1,445 |
| Assets per employee ($millions) | 5.3335% | 2,065 |
| Cash dividends to net income (ytd only)* | 32.2581% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9290% | 4,210 |
| Loan loss allowance to noncurrent loans | 82.8025% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 0.7359% | 2,033 |
| Noncurrent loans to loans | 1.1219% | 1,569 |
| Net loans and leases to total assets | 64.9855% | 3,279 |
| Net loans and leases to deposits | 73.0992% | 3,615 |
| Net loans and leases to core deposits | 73.0992% | 3,938 |
| Total domestic deposits to total assets | 88.9003% | 972 |
| Equity capital to assets | 11.0012% | 2,640 |
| Core capital (leverage) ratio | 11.0718% | 2,463 |
| Tier 1 risk-based capital ratio | 16.8135% | 2,160 |
| Total risk-based capital ratio | 17.7448% | 2,204 |
| Memoranda: | ||
| Average total assets | $21,133,330 | 5,464 |
| Average earning assets | $20,591,330 | 5,439 |
| Average equity | $2,312,000 | 5,468 |
| Average total loans | $14,401,330 | 5,331 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7739% | 4,291 |
| Cost of funding earning assets | 0.2542% | 4,683 |
| Net interest margin | 3.5197% | 3,464 |
| Noninterest income to average assets | 0.6276% | 2,140 |
| Noninterest expense to average assets | 3.0238% | 2,017 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9129% | 3,237 |
| Return on assets (ROA) | 0.9129% | 3,247 |
| Pretax return on assets | 1.0270% | 3,440 |
| Return on Equity (ROE) | 8.3678% | 3,207 |
| Retained earnings to average equity (ytd only) | 3.1379% | 3,950 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6479% | 1,804 |
| Assets per employee ($millions) | 5.2675% | 2,172 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9267% | 4,324 |
| Loan loss allowance to noncurrent loans | 82.8025% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 0.7451% | 2,087 |
| Noncurrent loans to loans | 1.1192% | 1,638 |
| Net loans and leases to total assets | 65.9611% | 3,037 |
| Net loans and leases to deposits | 74.1385% | 3,403 |
| Net loans and leases to core deposits | 74.1385% | 3,816 |
| Total domestic deposits to total assets | 88.9701% | 1,104 |
| Equity capital to assets | 10.9350% | 2,646 |
| Core capital (leverage) ratio | 10.8123% | 2,620 |
| Tier 1 risk-based capital ratio | 16.8692% | 2,154 |
| Total risk-based capital ratio | 17.8211% | 2,199 |
| Memoranda: | ||
| Average total assets | $21,033,000 | 5,527 |
| Average earning assets | $20,456,500 | 5,501 |
| Average equity | $2,294,500 | 5,528 |
| Average total loans | $14,605,000 | 5,386 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6215% | 4,529 |
| Cost of funding earning assets | 0.2691% | 4,405 |
| Net interest margin | 3.3524% | 4,004 |
| Noninterest income to average assets | 0.6005% | 2,445 |
| Noninterest expense to average assets | 3.3445% | 1,298 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4065% | 4,672 |
| Return on assets (ROA) | 0.4065% | 4,694 |
| Pretax return on assets | 0.5359% | 4,870 |
| Return on Equity (ROE) | 3.8790% | 4,541 |
| Retained earnings to average equity (ytd only) | 2.5566% | 3,792 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1905% | 632 |
| Assets per employee ($millions) | 5.2490% | 2,204 |
| Cash dividends to net income (ytd only)* | 34.0909% | 3,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8563% | 4,644 |
| Loan loss allowance to noncurrent loans | 65.0000% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 0.9526% | 1,627 |
| Noncurrent loans to loans | 1.3173% | 1,321 |
| Net loans and leases to total assets | 71.6898% | 2,278 |
| Net loans and leases to deposits | 80.5264% | 2,861 |
| Net loans and leases to core deposits | 80.5264% | 3,381 |
| Total domestic deposits to total assets | 89.0265% | 991 |
| Equity capital to assets | 10.8830% | 2,749 |
| Core capital (leverage) ratio | 10.4495% | 2,901 |
| Tier 1 risk-based capital ratio | 15.9522% | 2,446 |
| Total risk-based capital ratio | 16.8598% | 2,521 |
| Memoranda: | ||
| Average total assets | $21,647,800 | 5,581 |
| Average earning assets | $21,178,800 | 5,552 |
| Average equity | $2,268,600 | 5,586 |
| Average total loans | $14,447,400 | 5,452 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5188% | 4,770 |
| Cost of funding earning assets | 0.3182% | 3,950 |
| Net interest margin | 3.2006% | 4,447 |
| Noninterest income to average assets | 0.5991% | 2,493 |
| Noninterest expense to average assets | 2.9771% | 2,177 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7580% | 3,705 |
| Return on assets (ROA) | 0.7580% | 3,761 |
| Pretax return on assets | 0.7580% | 4,457 |
| Return on Equity (ROE) | 7.3009% | 3,492 |
| Retained earnings to average equity (ytd only) | 5.5346% | 2,519 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7054% | 1,142 |
| Assets per employee ($millions) | 5.3570% | 2,058 |
| Cash dividends to net income (ytd only)* | 24.1940% | 2,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9065% | 4,540 |
| Loan loss allowance to noncurrent loans | 78.3133% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 0.7747% | 2,202 |
| Noncurrent loans to loans | 1.1575% | 1,657 |
| Net loans and leases to total assets | 66.3198% | 3,063 |
| Net loans and leases to deposits | 74.4226% | 3,527 |
| Net loans and leases to core deposits | 74.4226% | 3,940 |
| Total domestic deposits to total assets | 89.1124% | 824 |
| Equity capital to assets | 10.8316% | 3,030 |
| Core capital (leverage) ratio | 10.5144% | 2,974 |
| Tier 1 risk-based capital ratio | 16.8811% | 2,188 |
| Total risk-based capital ratio | 17.8262% | 2,251 |
| Memoranda: | ||
| Average total assets | $21,810,750 | 5,646 |
| Average earning assets | $21,370,500 | 5,616 |
| Average equity | $2,264,500 | 5,649 |
| Average total loans | $14,263,750 | 5,517 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5221% | 4,711 |
| Cost of funding earning assets | 0.3067% | 4,021 |
| Net interest margin | 3.2154% | 4,367 |
| Noninterest income to average assets | 0.5835% | 2,543 |
| Noninterest expense to average assets | 2.9264% | 2,337 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7293% | 3,712 |
| Return on assets (ROA) | 0.7293% | 3,774 |
| Pretax return on assets | 0.8114% | 4,231 |
| Return on Equity (ROE) | 7.1248% | 3,484 |
| Retained earnings to average equity (ytd only) | 4.4530% | 3,060 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2927% | 1,422 |
| Assets per employee ($millions) | 5.4190% | 1,944 |
| Cash dividends to net income (ytd only)* | 37.5000% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8941% | 4,662 |
| Loan loss allowance to noncurrent loans | 78.3133% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 0.7658% | 2,295 |
| Noncurrent loans to loans | 1.1417% | 1,714 |
| Net loans and leases to total assets | 66.4791% | 3,034 |
| Net loans and leases to deposits | 74.3090% | 3,516 |
| Net loans and leases to core deposits | 74.3090% | 3,914 |
| Total domestic deposits to total assets | 89.4630% | 739 |
| Equity capital to assets | 10.5047% | 3,336 |
| Core capital (leverage) ratio | 10.2391% | 3,223 |
| Tier 1 risk-based capital ratio | 16.5600% | 2,295 |
| Total risk-based capital ratio | 17.5051% | 2,352 |
| Memoranda: | ||
| Average total assets | $21,938,330 | 5,693 |
| Average earning assets | $21,521,330 | 5,661 |
| Average equity | $2,245,670 | 5,696 |
| Average total loans | $14,238,000 | 5,564 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4187% | 4,891 |
| Cost of funding earning assets | 0.3326% | 3,722 |
| Net interest margin | 3.0861% | 4,695 |
| Noninterest income to average assets | 0.5437% | 2,689 |
| Noninterest expense to average assets | 2.9362% | 2,346 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6344% | 4,004 |
| Return on assets (ROA) | 0.6344% | 4,047 |
| Pretax return on assets | 0.6344% | 4,649 |
| Return on Equity (ROE) | 6.2780% | 3,772 |
| Retained earnings to average equity (ytd only) | 0.8969% | 4,694 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2335% | 1,136 |
| Assets per employee ($millions) | 5.5843% | 1,816 |
| Cash dividends to net income (ytd only)* | 85.7143% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9236% | 4,663 |
| Loan loss allowance to noncurrent loans | 87.8378% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 0.6626% | 2,650 |
| Noncurrent loans to loans | 1.0515% | 1,954 |
| Net loans and leases to total assets | 62.4300% | 3,479 |
| Net loans and leases to deposits | 69.4057% | 3,864 |
| Net loans and leases to core deposits | 69.4057% | 4,191 |
| Total domestic deposits to total assets | 89.9494% | 685 |
| Equity capital to assets | 9.9969% | 3,762 |
| Core capital (leverage) ratio | 9.9051% | 3,618 |
| Tier 1 risk-based capital ratio | 16.6319% | 2,313 |
| Total risk-based capital ratio | 17.6002% | 2,357 |
| Memoranda: | ||
| Average total assets | $22,069,500 | 5,760 |
| Average earning assets | $21,645,500 | 5,723 |
| Average equity | $2,230,000 | 5,762 |
| Average total loans | $14,087,000 | 5,633 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3498% | 5,080 |
| Cost of funding earning assets | 0.2956% | 4,116 |
| Net interest margin | 3.0542% | 4,838 |
| Noninterest income to average assets | 0.6199% | 2,555 |
| Noninterest expense to average assets | 3.1082% | 2,008 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3869% | 4,986 |
| Return on assets (ROA) | 0.3869% | 5,071 |
| Pretax return on assets | 0.5100% | 5,004 |
| Return on Equity (ROE) | 3.9815% | 4,841 |
| Retained earnings to average equity (ytd only) | 2.6242% | 4,027 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9052% | 830 |
| Assets per employee ($millions) | 5.4505% | 1,904 |
| Cash dividends to net income (ytd only)* | 34.0909% | 3,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9221% | 4,687 |
| Loan loss allowance to noncurrent loans | 89.6552% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.6651% | 2,724 |
| Noncurrent loans to loans | 1.0284% | 2,025 |
| Net loans and leases to total assets | 64.0721% | 3,350 |
| Net loans and leases to deposits | 71.4125% | 3,767 |
| Net loans and leases to core deposits | 71.4125% | 4,119 |
| Total domestic deposits to total assets | 89.7211% | 763 |
| Equity capital to assets | 10.2147% | 3,475 |
| Core capital (leverage) ratio | 9.7731% | 3,780 |
| Tier 1 risk-based capital ratio | 16.7230% | 2,260 |
| Total risk-based capital ratio | 17.6992% | 2,308 |
| Memoranda: | ||
| Average total assets | $22,746,400 | 5,807 |
| Average earning assets | $22,329,600 | 5,770 |
| Average equity | $2,210,200 | 5,825 |
| Average total loans | $14,139,000 | 5,684 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2968% | 5,218 |
| Cost of funding earning assets | 0.3072% | 4,019 |
| Net interest margin | 2.9895% | 5,033 |
| Noninterest income to average assets | 0.6555% | 2,388 |
| Noninterest expense to average assets | 2.8659% | 2,760 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6555% | 4,054 |
| Return on assets (ROA) | 0.6555% | 4,177 |
| Pretax return on assets | 0.7252% | 4,540 |
| Return on Equity (ROE) | 6.8296% | 3,650 |
| Retained earnings to average equity (ytd only) | 5.0163% | 2,812 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8061% | 1,457 |
| Assets per employee ($millions) | 5.6643% | 1,705 |
| Cash dividends to net income (ytd only)* | 26.5498% | 2,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9026% | 4,860 |
| Loan loss allowance to noncurrent loans | 92.8571% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 0.6179% | 3,054 |
| Noncurrent loans to loans | 0.9720% | 2,296 |
| Net loans and leases to total assets | 62.9960% | 3,525 |
| Net loans and leases to deposits | 69.9897% | 3,986 |
| Net loans and leases to core deposits | 69.9897% | 4,325 |
| Total domestic deposits to total assets | 90.0075% | 480 |
| Equity capital to assets | 9.9439% | 4,182 |
| Core capital (leverage) ratio | 9.8847% | 3,716 |
| Tier 1 risk-based capital ratio | 16.4382% | 2,442 |
| Total risk-based capital ratio | 17.3862% | 2,521 |
| Memoranda: | ||
| Average total assets | $22,982,500 | 5,865 |
| Average earning assets | $22,567,000 | 5,829 |
| Average equity | $2,206,000 | 5,888 |
| Average total loans | $14,149,000 | 5,736 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2162% | 5,404 |
| Cost of funding earning assets | 0.3172% | 3,934 |
| Net interest margin | 2.8990% | 5,265 |
| Noninterest income to average assets | 0.6150% | 2,542 |
| Noninterest expense to average assets | 2.7457% | 3,216 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6756% | 3,926 |
| Return on assets (ROA) | 0.6756% | 4,064 |
| Pretax return on assets | 0.7189% | 4,564 |
| Return on Equity (ROE) | 7.1222% | 3,473 |
| Retained earnings to average equity (ytd only) | 4.3829% | 3,128 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2500% | 1,604 |
| Assets per employee ($millions) | 5.7348% | 1,597 |
| Cash dividends to net income (ytd only)* | 38.4615% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9125% | 4,918 |
| Loan loss allowance to noncurrent loans | 13,000.0000% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 5,623 |
| Noncurrent loans to loans | 0.0070% | 5,481 |
| Net loans and leases to total assets | 61.5415% | 3,678 |
| Net loans and leases to deposits | 68.1651% | 4,168 |
| Net loans and leases to core deposits | 68.1651% | 4,461 |
| Total domestic deposits to total assets | 90.2829% | 388 |
| Equity capital to assets | 9.6648% | 4,600 |
| Core capital (leverage) ratio | 9.7204% | 3,902 |
| Tier 1 risk-based capital ratio | 16.2873% | 2,511 |
| Total risk-based capital ratio | 17.2419% | 2,585 |
| Memoranda: | ||
| Average total assets | $23,091,000 | 5,935 |
| Average earning assets | $22,697,330 | 5,901 |
| Average equity | $2,190,330 | 5,964 |
| Average total loans | $14,064,330 | 5,811 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2831% | 5,351 |
| Cost of funding earning assets | 0.3160% | 3,996 |
| Net interest margin | 2.9671% | 5,188 |
| Noninterest income to average assets | 0.6388% | 2,326 |
| Noninterest expense to average assets | 2.7626% | 3,203 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7942% | 3,276 |
| Return on assets (ROA) | 0.7942% | 3,383 |
| Pretax return on assets | 0.7942% | 4,210 |
| Return on Equity (ROE) | 8.4520% | 2,680 |
| Retained earnings to average equity (ytd only) | 2.9398% | 4,046 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6699% | 1,942 |
| Assets per employee ($millions) | 5.8940% | 1,490 |
| Cash dividends to net income (ytd only)* | 65.2174% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9127% | 5,016 |
| Loan loss allowance to noncurrent loans | 2,600.0000% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 5,560 |
| Noncurrent loans to loans | 0.0351% | 5,353 |
| Net loans and leases to total assets | 59.8617% | 3,794 |
| Net loans and leases to deposits | 65.9979% | 4,258 |
| Net loans and leases to core deposits | 65.9979% | 4,536 |
| Total domestic deposits to total assets | 90.7024% | 362 |
| Equity capital to assets | 9.2679% | 4,927 |
| Core capital (leverage) ratio | 9.6321% | 3,992 |
| Tier 1 risk-based capital ratio | 15.9481% | 2,706 |
| Total risk-based capital ratio | 16.8965% | 2,775 |
| Memoranda: | ||
| Average total assets | $23,167,000 | 5,996 |
| Average earning assets | $22,783,500 | 5,956 |
| Average equity | $2,177,000 | 6,024 |
| Average total loans | $13,973,000 | 5,873 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9984% | 5,729 |
| Cost of funding earning assets | 0.3537% | 3,664 |
| Net interest margin | 2.6447% | 5,713 |
| Noninterest income to average assets | 0.5708% | 2,893 |
| Noninterest expense to average assets | 2.6929% | 3,602 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3599% | 5,179 |
| Return on assets (ROA) | 0.3599% | 5,261 |
| Pretax return on assets | 0.4757% | 5,164 |
| Return on Equity (ROE) | 4.0707% | 4,910 |
| Retained earnings to average equity (ytd only) | 2.6670% | 4,174 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9869% | 1,091 |
| Assets per employee ($millions) | 5.6895% | 1,622 |
| Cash dividends to net income (ytd only)* | 34.4828% | 3,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9487% | 4,878 |
| Loan loss allowance to noncurrent loans | 1,857.1429% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.0308% | 5,566 |
| Noncurrent loans to loans | 0.0511% | 5,310 |
| Net loans and leases to total assets | 59.6406% | 3,886 |
| Net loans and leases to deposits | 65.9460% | 4,318 |
| Net loans and leases to core deposits | 66.8324% | 4,524 |
| Total domestic deposits to total assets | 90.4385% | 454 |
| Equity capital to assets | 9.5307% | 4,520 |
| Core capital (leverage) ratio | 8.7539% | 5,159 |
| Tier 1 risk-based capital ratio | 16.5877% | 2,435 |
| Total risk-based capital ratio | 17.5814% | 2,512 |
| Memoranda: | ||
| Average total assets | $24,174,600 | 6,041 |
| Average earning assets | $23,745,800 | 5,997 |
| Average equity | $2,137,200 | 6,085 |
| Average total loans | $13,477,000 | 5,937 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9434% | 5,861 |
| Cost of funding earning assets | 0.3541% | 3,713 |
| Net interest margin | 2.5893% | 5,845 |
| Noninterest income to average assets | 0.5545% | 3,024 |
| Noninterest expense to average assets | 2.5548% | 4,033 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4620% | 4,929 |
| Return on assets (ROA) | 0.4620% | 5,025 |
| Pretax return on assets | 0.5436% | 5,117 |
| Return on Equity (ROE) | 5.3225% | 4,478 |
| Retained earnings to average equity (ytd only) | 3.4439% | 4,019 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4561% | 1,333 |
| Assets per employee ($millions) | 5.7350% | 1,561 |
| Cash dividends to net income (ytd only)* | 35.2952% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9851% | 4,818 |
| Loan loss allowance to noncurrent loans | 1,083.3333% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.0523% | 5,566 |
| Noncurrent loans to loans | 0.0909% | 5,266 |
| Net loans and leases to total assets | 56.9616% | 4,253 |
| Net loans and leases to deposits | 62.9583% | 4,647 |
| Net loans and leases to core deposits | 63.7975% | 4,829 |
| Total domestic deposits to total assets | 90.4752% | 393 |
| Equity capital to assets | 9.4464% | 4,815 |
| Core capital (leverage) ratio | 8.5231% | 5,534 |
| Tier 1 risk-based capital ratio | 17.2752% | 2,267 |
| Total risk-based capital ratio | 18.3115% | 2,304 |
| Memoranda: | ||
| Average total assets | $24,528,750 | 6,122 |
| Average earning assets | $24,098,500 | 6,076 |
| Average equity | $2,129,250 | 6,170 |
| Average total loans | $13,420,500 | 6,017 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8812% | 5,962 |
| Cost of funding earning assets | 0.3571% | 3,735 |
| Net interest margin | 2.5241% | 5,942 |
| Noninterest income to average assets | 0.5108% | 3,300 |
| Noninterest expense to average assets | 2.5860% | 3,952 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3272% | 5,364 |
| Return on assets (ROA) | 0.3272% | 5,461 |
| Pretax return on assets | 0.4071% | 5,449 |
| Return on Equity (ROE) | 3.8740% | 5,063 |
| Retained earnings to average equity (ytd only) | 1.0394% | 5,156 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4000% | 1,028 |
| Assets per employee ($millions) | 6.2945% | 1,160 |
| Cash dividends to net income (ytd only)* | 73.1707% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9600% | 5,059 |
| Loan loss allowance to noncurrent loans | 1,857.1429% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.0278% | 5,772 |
| Noncurrent loans to loans | 0.0517% | 5,540 |
| Net loans and leases to total assets | 53.2687% | 4,635 |
| Net loans and leases to deposits | 58.2093% | 4,978 |
| Net loans and leases to core deposits | 64.5801% | 4,768 |
| Total domestic deposits to total assets | 91.5124% | 182 |
| Equity capital to assets | 8.4320% | 5,738 |
| Core capital (leverage) ratio | 8.2965% | 5,714 |
| Tier 1 risk-based capital ratio | 16.0894% | 2,814 |
| Total risk-based capital ratio | 17.0746% | 2,906 |
| Memoranda: | ||
| Average total assets | $25,058,330 | 6,185 |
| Average earning assets | $24,642,670 | 6,138 |
| Average equity | $2,116,670 | 6,245 |
| Average total loans | $13,495,000 | 6,080 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8974% | 5,992 |
| Cost of funding earning assets | 0.3581% | 3,771 |
| Net interest margin | 2.5393% | 5,976 |
| Noninterest income to average assets | 0.4800% | 3,424 |
| Noninterest expense to average assets | 2.4481% | 4,454 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5280% | 4,551 |
| Return on assets (ROA) | 0.5280% | 4,670 |
| Pretax return on assets | 0.5280% | 5,104 |
| Return on Equity (ROE) | 6.2456% | 3,901 |
| Retained earnings to average equity (ytd only) | 0.5678% | 5,201 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2581% | 1,584 |
| Assets per employee ($millions) | 6.5170% | 1,065 |
| Cash dividends to net income (ytd only)* | 90.9091% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9853% | 5,112 |
| 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 | 50.1151% | 4,836 |
| Net loans and leases to deposits | 54.5766% | 5,153 |
| Net loans and leases to core deposits | 55.7981% | 5,262 |
| Total domestic deposits to total assets | 91.8252% | 170 |
| Equity capital to assets | 8.1134% | 5,979 |
| Core capital (leverage) ratio | 8.2831% | 5,749 |
| Tier 1 risk-based capital ratio | 16.0361% | 2,902 |
| Total risk-based capital ratio | 17.0218% | 2,966 |
| Memoranda: | ||
| Average total assets | $24,998,500 | 6,253 |
| Average earning assets | $24,574,000 | 6,201 |
| Average equity | $2,113,500 | 6,310 |
| Average total loans | $13,471,500 | 6,137 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0594% | 6,001 |
| Cost of funding earning assets | 0.4040% | 3,659 |
| Net interest margin | 2.6554% | 6,003 |
| Noninterest income to average assets | 0.6244% | 2,716 |
| Noninterest expense to average assets | 2.7622% | 3,627 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3597% | 5,353 |
| Return on assets (ROA) | 0.3597% | 5,427 |
| Pretax return on assets | 0.4714% | 5,319 |
| Return on Equity (ROE) | 4.1516% | 5,050 |
| Retained earnings to average equity (ytd only) | 2.7200% | 4,308 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4220% | 1,240 |
| Assets per employee ($millions) | 5.9823% | 1,390 |
| Cash dividends to net income (ytd only)* | 34.4828% | 3,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9455% | 5,304 |
| Loan loss allowance to noncurrent loans | 119.2661% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 0.4555% | 4,294 |
| Noncurrent loans to loans | 0.7928% | 3,325 |
| Net loans and leases to total assets | 56.9142% | 4,209 |
| Net loans and leases to deposits | 62.4667% | 4,685 |
| Net loans and leases to core deposits | 70.6416% | 4,262 |
| Total domestic deposits to total assets | 91.1112% | 334 |
| Equity capital to assets | 8.8261% | 5,458 |
| Core capital (leverage) ratio | 8.5203% | 5,542 |
| Tier 1 risk-based capital ratio | 15.6433% | 3,161 |
| Total risk-based capital ratio | 16.6062% | 3,241 |
| Memoranda: | ||
| Average total assets | $24,183,800 | 6,349 |
| Average earning assets | $23,763,000 | 6,298 |
| Average equity | $2,095,600 | 6,392 |
| Average total loans | $13,220,400 | 6,222 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0438% | 6,090 |
| Cost of funding earning assets | 0.4029% | 3,763 |
| Net interest margin | 2.6409% | 6,084 |
| Noninterest income to average assets | 0.6213% | 2,739 |
| Noninterest expense to average assets | 2.4854% | 4,576 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6489% | 4,223 |
| Return on assets (ROA) | 0.6489% | 4,318 |
| Pretax return on assets | 0.7313% | 4,588 |
| Return on Equity (ROE) | 7.5224% | 3,436 |
| Retained earnings to average equity (ytd only) | 5.6098% | 2,664 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2650% | 2,309 |
| Assets per employee ($millions) | 6.1135% | 1,254 |
| Cash dividends to net income (ytd only)* | 25.4243% | 2,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9828% | 5,283 |
| Loan loss allowance to noncurrent loans | 188.4058% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.2822% | 5,139 |
| Noncurrent loans to loans | 0.5217% | 4,373 |
| Net loans and leases to total assets | 53.5577% | 4,629 |
| Net loans and leases to deposits | 58.7441% | 5,037 |
| Net loans and leases to core deposits | 67.0884% | 4,600 |
| Total domestic deposits to total assets | 91.1712% | 315 |
| Equity capital to assets | 8.7634% | 5,581 |
| Core capital (leverage) ratio | 8.6345% | 5,522 |
| Tier 1 risk-based capital ratio | 16.4770% | 2,819 |
| Total risk-based capital ratio | 17.4765% | 2,900 |
| Memoranda: | ||
| Average total assets | $24,247,500 | 6,427 |
| Average earning assets | $23,829,500 | 6,373 |
| Average equity | $2,091,500 | 6,467 |
| Average total loans | $13,088,250 | 6,298 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0794% | 6,091 |
| Cost of funding earning assets | 0.4039% | 3,832 |
| Net interest margin | 2.6756% | 6,075 |
| Noninterest income to average assets | 0.6121% | 2,754 |
| Noninterest expense to average assets | 2.4981% | 4,582 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7031% | 3,826 |
| Return on assets (ROA) | 0.7031% | 3,915 |
| Pretax return on assets | 0.7445% | 4,482 |
| Return on Equity (ROE) | 8.1954% | 2,987 |
| Retained earnings to average equity (ytd only) | 5.3029% | 2,759 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0408% | 2,447 |
| Assets per employee ($millions) | 6.1133% | 1,213 |
| Cash dividends to net income (ytd only)* | 35.2941% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0055% | 5,324 |
| 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 | 52.3412% | 4,712 |
| Net loans and leases to deposits | 57.3226% | 5,095 |
| Net loans and leases to core deposits | 58.6975% | 5,223 |
| Total domestic deposits to total assets | 91.3099% | 308 |
| Equity capital to assets | 8.6247% | 5,684 |
| Core capital (leverage) ratio | 8.4502% | 5,686 |
| Tier 1 risk-based capital ratio | 16.4598% | 2,849 |
| Total risk-based capital ratio | 17.4744% | 2,915 |
| Memoranda: | ||
| Average total assets | $24,178,670 | 6,493 |
| Average earning assets | $23,770,670 | 6,440 |
| Average equity | $2,074,330 | 6,528 |
| Average total loans | $13,042,000 | 6,354 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9467% | 6,288 |
| Cost of funding earning assets | 0.4064% | 3,884 |
| Net interest margin | 2.5403% | 6,300 |
| Noninterest income to average assets | 0.5823% | 2,845 |
| Noninterest expense to average assets | 2.5123% | 4,583 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5657% | 4,384 |
| Return on assets (ROA) | 0.5657% | 4,458 |
| Pretax return on assets | 0.5657% | 4,960 |
| Return on Equity (ROE) | 6.6116% | 3,676 |
| Retained earnings to average equity (ytd only) | 0.7778% | 5,280 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6216% | 1,976 |
| Assets per employee ($millions) | 6.2963% | 1,116 |
| Cash dividends to net income (ytd only)* | 88.2353% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0423% | 5,341 |
| 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 | 49.0054% | 5,000 |
| Net loans and leases to deposits | 53.4078% | 5,337 |
| Net loans and leases to core deposits | 59.9534% | 5,043 |
| Total domestic deposits to total assets | 91.7570% | 311 |
| Equity capital to assets | 8.1755% | 5,927 |
| Core capital (leverage) ratio | 8.2737% | 5,872 |
| Tier 1 risk-based capital ratio | 16.3842% | 2,956 |
| Total risk-based capital ratio | 17.4186% | 3,040 |
| Memoranda: | ||
| Average total assets | $24,041,500 | 6,564 |
| Average earning assets | $23,619,500 | 6,508 |
| Average equity | $2,057,000 | 6,593 |
| Average total loans | $13,098,500 | 6,417 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3744% | 5,889 |
| Cost of funding earning assets | 0.4405% | 4,213 |
| Net interest margin | 2.9338% | 5,722 |
| Noninterest income to average assets | 0.5877% | 3,165 |
| Noninterest expense to average assets | 2.8271% | 3,630 |
| Loan and lease loss provision to assets | 0.0089% | 4,946 |
| Net operating income to assets | 0.4901% | 4,773 |
| Return on assets (ROA) | 0.3651% | 5,392 |
| Pretax return on assets | 0.4675% | 5,303 |
| Return on Equity (ROE) | 4.0291% | 5,099 |
| Retained earnings to average equity (ytd only) | 2.5550% | 4,429 |
| Net charge-offs to loans | 0.0153% | 5,140 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 71.5000% | 597 |
| Efficiency ratio | 81.6195% | 1,926 |
| Assets per employee ($millions) | 4.5796% | 2,754 |
| Cash dividends to net income (ytd only)* | 36.5854% | 2,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9472% | 5,767 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 59.3720% | 3,813 |
| Net loans and leases to deposits | 65.2758% | 4,384 |
| Net loans and leases to core deposits | 72.2101% | 4,043 |
| Total domestic deposits to total assets | 90.9555% | 589 |
| Equity capital to assets | 8.9746% | 5,064 |
| Core capital (leverage) ratio | 8.9523% | 5,074 |
| Tier 1 risk-based capital ratio | 15.8186% | 3,192 |
| Total risk-based capital ratio | 16.8193% | 3,283 |
| Memoranda: | ||
| Average total assets | $22,460,800 | 6,669 |
| Average earning assets | $22,019,000 | 6,619 |
| Average equity | $2,035,200 | 6,680 |
| Average total loans | $13,108,800 | 6,486 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3716% | 5,941 |
| Cost of funding earning assets | 0.4443% | 4,337 |
| Net interest margin | 2.9274% | 5,751 |
| Noninterest income to average assets | 0.5727% | 3,311 |
| Noninterest expense to average assets | 2.5889% | 4,428 |
| Loan and lease loss provision to assets | 0.0119% | 4,759 |
| Net operating income to assets | 0.7664% | 3,527 |
| Return on assets (ROA) | 0.6144% | 4,408 |
| Pretax return on assets | 0.6740% | 4,777 |
| Return on Equity (ROE) | 6.7642% | 3,778 |
| Retained earnings to average equity (ytd only) | 4.7940% | 3,239 |
| Net charge-offs to loans | 0.0206% | 4,720 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 71.4082% | 654 |
| Efficiency ratio | 75.2166% | 2,865 |
| Assets per employee ($millions) | 4.6540% | 2,638 |
| Cash dividends to net income (ytd only)* | 29.1269% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9610% | 5,883 |
| Loan loss allowance to noncurrent loans | 152.9412% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.3653% | 5,314 |
| Noncurrent loans to loans | 0.6284% | 4,626 |
| Net loans and leases to total assets | 57.5720% | 4,082 |
| Net loans and leases to deposits | 63.2561% | 4,595 |
| Net loans and leases to core deposits | 69.8524% | 4,337 |
| Total domestic deposits to total assets | 91.0142% | 526 |
| Equity capital to assets | 8.9257% | 5,272 |
| Core capital (leverage) ratio | 9.1164% | 4,944 |
| Tier 1 risk-based capital ratio | 16.0585% | 3,163 |
| Total risk-based capital ratio | 17.0636% | 3,246 |
| Memoranda: | ||
| Average total assets | $22,351,500 | 6,747 |
| Average earning assets | $21,907,750 | 6,698 |
| Average equity | $2,030,250 | 6,764 |
| Average total loans | $12,954,750 | 6,558 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4067% | 5,888 |
| Cost of funding earning assets | 0.4443% | 4,490 |
| Net interest margin | 2.9623% | 5,669 |
| Noninterest income to average assets | 0.5262% | 3,657 |
| Noninterest expense to average assets | 2.5130% | 4,678 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8060% | 3,257 |
| Return on assets (ROA) | 0.6623% | 4,159 |
| Pretax return on assets | 0.7530% | 4,497 |
| Return on Equity (ROE) | 7.2468% | 3,470 |
| Retained earnings to average equity (ytd only) | 4.2687% | 3,579 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2804% | 3,264 |
| Assets per employee ($millions) | 4.7102% | 2,494 |
| Cash dividends to net income (ytd only)* | 41.0959% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0221% | 5,727 |
| Loan loss allowance to noncurrent loans | 34.2105% | 5,877 |
| Noncurrent assets plus other real estate owned to assets | 1.6135% | 2,697 |
| Noncurrent loans to loans | 2.9877% | 1,491 |
| Net loans and leases to total assets | 53.4542% | 4,661 |
| Net loans and leases to deposits | 58.5916% | 5,109 |
| Net loans and leases to core deposits | 64.6054% | 4,832 |
| Total domestic deposits to total assets | 91.2318% | 468 |
| Equity capital to assets | 8.6918% | 5,562 |
| Core capital (leverage) ratio | 9.1002% | 4,825 |
| Tier 1 risk-based capital ratio | 16.6640% | 2,857 |
| Total risk-based capital ratio | 17.7222% | 2,907 |
| Memoranda: | ||
| Average total assets | $22,045,330 | 6,800 |
| Average earning assets | $21,604,670 | 6,749 |
| Average equity | $2,014,670 | 6,816 |
| Average total loans | $12,764,000 | 6,605 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5306% | 5,630 |
| Cost of funding earning assets | 0.4605% | 4,481 |
| Net interest margin | 3.0701% | 5,365 |
| Noninterest income to average assets | 0.4696% | 3,996 |
| Noninterest expense to average assets | 2.9306% | 3,228 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5448% | 4,474 |
| Return on assets (ROA) | 0.3945% | 5,298 |
| Pretax return on assets | 0.3945% | 5,574 |
| Return on Equity (ROE) | 4.2032% | 4,997 |
| Retained earnings to average equity (ytd only) | -1.8014% | 6,057 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3243% | 1,720 |
| Assets per employee ($millions) | 4.5146% | 2,940 |
| Cash dividends to net income (ytd only)* | 142.8571% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0552% | 5,772 |
| Loan loss allowance to noncurrent loans | 21.9224% | 6,297 |
| Noncurrent assets plus other real estate owned to assets | 2.6270% | 1,734 |
| Noncurrent loans to loans | 4.8133% | 809 |
| Net loans and leases to total assets | 54.0026% | 4,417 |
| Net loans and leases to deposits | 59.2985% | 4,876 |
| Net loans and leases to core deposits | 59.2985% | 5,215 |
| Total domestic deposits to total assets | 91.0690% | 499 |
| Equity capital to assets | 8.8336% | 5,684 |
| Core capital (leverage) ratio | 8.9461% | 4,977 |
| Tier 1 risk-based capital ratio | 16.8854% | 2,807 |
| Total risk-based capital ratio | 17.9863% | 2,861 |
| Memoranda: | ||
| Average total assets | $21,292,500 | 6,881 |
| Average earning assets | $20,846,500 | 6,834 |
| Average equity | $1,998,500 | 6,879 |
| Average total loans | $12,786,500 | 6,669 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2669% | 4,337 |
| Cost of funding earning assets | 0.5359% | 4,946 |
| Net interest margin | 3.7310% | 3,516 |
| Noninterest income to average assets | 0.5976% | 3,289 |
| Noninterest expense to average assets | 3.5207% | 1,774 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5494% | 4,481 |
| Return on assets (ROA) | 0.4382% | 5,178 |
| Pretax return on assets | 0.5727% | 5,071 |
| Return on Equity (ROE) | 4.3930% | 4,978 |
| Retained earnings to average equity (ytd only) | 2.8954% | 4,196 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0787% | 1,737 |
| Assets per employee ($millions) | 4.0024% | 3,943 |
| Cash dividends to net income (ytd only)* | 34.0909% | 3,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9809% | 6,029 |
| Loan loss allowance to noncurrent loans | 35.7143% | 5,828 |
| Noncurrent assets plus other real estate owned to assets | 1.8189% | 2,687 |
| Noncurrent loans to loans | 2.7465% | 1,925 |
| Net loans and leases to total assets | 65.5757% | 2,596 |
| Net loans and leases to deposits | 72.9380% | 3,258 |
| Net loans and leases to core deposits | 73.9699% | 3,785 |
| Total domestic deposits to total assets | 89.9061% | 1,002 |
| Equity capital to assets | 10.0090% | 4,153 |
| Core capital (leverage) ratio | 9.9119% | 3,526 |
| Tier 1 risk-based capital ratio | 16.5756% | 2,850 |
| Total risk-based capital ratio | 17.6514% | 2,902 |
| Memoranda: | ||
| Average total assets | $20,081,000 | 6,954 |
| Average earning assets | $19,592,800 | 6,914 |
| Average equity | $2,003,200 | 6,948 |
| Average total loans | $13,341,200 | 6,721 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3307% | 4,327 |
| Cost of funding earning assets | 0.5439% | 5,136 |
| Net interest margin | 3.7869% | 3,391 |
| Noninterest income to average assets | 0.5971% | 3,294 |
| Noninterest expense to average assets | 3.1577% | 2,693 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0203% | 2,407 |
| Return on assets (ROA) | 0.8889% | 3,277 |
| Pretax return on assets | 0.9884% | 3,761 |
| Return on Equity (ROE) | 8.9185% | 2,840 |
| Retained earnings to average equity (ytd only) | 6.9218% | 2,171 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5703% | 3,055 |
| Assets per employee ($millions) | 4.0518% | 3,769 |
| Cash dividends to net income (ytd only)* | 22.3889% | 2,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9583% | 6,225 |
| Loan loss allowance to noncurrent loans | 134.0206% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.5183% | 5,378 |
| Noncurrent loans to loans | 0.7151% | 5,008 |
| Net loans and leases to total assets | 66.3162% | 2,590 |
| Net loans and leases to deposits | 73.8511% | 3,303 |
| Net loans and leases to core deposits | 73.8511% | 3,992 |
| Total domestic deposits to total assets | 89.7971% | 952 |
| Equity capital to assets | 10.1140% | 4,331 |
| Core capital (leverage) ratio | 10.1185% | 3,377 |
| Tier 1 risk-based capital ratio | 16.4697% | 3,018 |
| Total risk-based capital ratio | 17.5147% | 3,092 |
| Memoranda: | ||
| Average total assets | $20,098,250 | 7,046 |
| Average earning assets | $19,611,250 | 7,005 |
| Average equity | $2,003,250 | 7,039 |
| Average total loans | $13,363,250 | 6,810 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4166% | 4,118 |
| Cost of funding earning assets | 0.5623% | 5,212 |
| Net interest margin | 3.8543% | 3,117 |
| Noninterest income to average assets | 0.6086% | 3,205 |
| Noninterest expense to average assets | 3.1629% | 2,714 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1494% | 1,881 |
| Return on assets (ROA) | 0.9978% | 2,697 |
| Pretax return on assets | 1.0477% | 3,530 |
| Return on Equity (ROE) | 10.0604% | 2,329 |
| Retained earnings to average equity (ytd only) | 7.0423% | 2,077 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3744% | 3,363 |
| Assets per employee ($millions) | 3.9906% | 3,895 |
| Cash dividends to net income (ytd only)* | 30.0000% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9681% | 6,268 |
| Loan loss allowance to noncurrent loans | 317.0732% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.2456% | 6,155 |
| Noncurrent loans to loans | 0.3053% | 5,947 |
| Net loans and leases to total assets | 66.6516% | 2,539 |
| Net loans and leases to deposits | 74.2132% | 3,255 |
| Net loans and leases to core deposits | 74.2132% | 4,000 |
| Total domestic deposits to total assets | 89.8111% | 1,039 |
| Equity capital to assets | 10.1037% | 4,185 |
| Core capital (leverage) ratio | 9.9120% | 3,550 |
| Tier 1 risk-based capital ratio | 16.6268% | 2,845 |
| Total risk-based capital ratio | 17.6990% | 2,907 |
| Memoranda: | ||
| Average total assets | $20,044,670 | 7,105 |
| Average earning assets | $19,562,670 | 7,062 |
| Average equity | $1,988,000 | 7,092 |
| Average total loans | $13,296,000 | 6,867 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1761% | 1,365 |
| Cost of funding earning assets | 0.6114% | 5,045 |
| Net interest margin | 4.5648% | 879 |
| Noninterest income to average assets | 0.5774% | 3,357 |
| Noninterest expense to average assets | 3.0462% | 3,094 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.9910% | 426 |
| Return on assets (ROA) | 1.7322% | 759 |
| Pretax return on assets | 1.7322% | 1,230 |
| Return on Equity (ROE) | 17.6292% | 592 |
| Retained earnings to average equity (ytd only) | 11.5502% | 913 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4743% | 5,546 |
| Assets per employee ($millions) | 4.2170% | 3,544 |
| Cash dividends to net income (ytd only)* | 34.4828% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9576% | 6,394 |
| Loan loss allowance to noncurrent loans | 236.3636% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.2988% | 6,146 |
| Noncurrent loans to loans | 0.4052% | 5,862 |
| Net loans and leases to total assets | 63.7657% | 2,897 |
| Net loans and leases to deposits | 70.5219% | 3,649 |
| Net loans and leases to core deposits | 70.5219% | 4,340 |
| Total domestic deposits to total assets | 90.4197% | 853 |
| Equity capital to assets | 9.4996% | 4,809 |
| Core capital (leverage) ratio | 9.8933% | 3,511 |
| Tier 1 risk-based capital ratio | 16.1052% | 3,123 |
| Total risk-based capital ratio | 17.1504% | 3,193 |
| Memoranda: | ||
| Average total assets | $20,090,500 | 7,169 |
| Average earning assets | $19,628,500 | 7,120 |
| Average equity | $1,974,000 | 7,153 |
| Average total loans | $13,229,500 | 6,927 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7358% | 4,099 |
| Cost of funding earning assets | 0.7374% | 5,292 |
| Net interest margin | 3.9984% | 2,886 |
| Noninterest income to average assets | 0.6443% | 2,923 |
| Noninterest expense to average assets | 3.5997% | 1,742 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.7245% | 3,363 |
| Return on assets (ROA) | 0.4579% | 4,812 |
| Pretax return on assets | 0.5964% | 4,705 |
| Return on Equity (ROE) | 4.4421% | 4,654 |
| Retained earnings to average equity (ytd only) | 2.8926% | 4,185 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2497% | 2,407 |
| Assets per employee ($millions) | 3.8192% | 4,271 |
| Cash dividends to net income (ytd only)* | 34.8837% | 2,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0090% | 6,174 |
| Loan loss allowance to noncurrent loans | 31.6302% | 6,100 |
| Noncurrent assets plus other real estate owned to assets | 2.1942% | 2,746 |
| Noncurrent loans to loans | 3.1900% | 2,031 |
| Net loans and leases to total assets | 66.7889% | 2,627 |
| Net loans and leases to deposits | 74.4194% | 3,434 |
| Net loans and leases to core deposits | 74.4194% | 4,184 |
| Total domestic deposits to total assets | 89.7465% | 1,133 |
| Equity capital to assets | 10.1854% | 3,926 |
| Core capital (leverage) ratio | 10.1966% | 3,085 |
| Tier 1 risk-based capital ratio | 16.9484% | 2,630 |
| Total risk-based capital ratio | 18.0812% | 2,641 |
| Memoranda: | ||
| Average total assets | $18,779,400 | 7,227 |
| Average earning assets | $18,307,200 | 7,180 |
| Average equity | $1,936,000 | 7,216 |
| Average total loans | $12,650,400 | 7,006 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8800% | 3,637 |
| Cost of funding earning assets | 0.7609% | 5,395 |
| Net interest margin | 4.1191% | 2,396 |
| Noninterest income to average assets | 0.6417% | 2,933 |
| Noninterest expense to average assets | 3.2512% | 2,657 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.3088% | 1,354 |
| Return on assets (ROA) | 0.9839% | 2,538 |
| Pretax return on assets | 1.0552% | 3,189 |
| Return on Equity (ROE) | 9.5152% | 2,382 |
| Retained earnings to average equity (ytd only) | 7.4467% | 1,740 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8315% | 3,980 |
| Assets per employee ($millions) | 3.8014% | 4,303 |
| Cash dividends to net income (ytd only)* | 21.7391% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0118% | 6,211 |
| Loan loss allowance to noncurrent loans | 51.1811% | 4,934 |
| Noncurrent assets plus other real estate owned to assets | 1.3784% | 4,060 |
| Noncurrent loans to loans | 1.9768% | 3,399 |
| Net loans and leases to total assets | 66.9175% | 2,688 |
| Net loans and leases to deposits | 74.8793% | 3,525 |
| Net loans and leases to core deposits | 74.8793% | 4,335 |
| Total domestic deposits to total assets | 89.3671% | 1,213 |
| Equity capital to assets | 10.5067% | 3,700 |
| Core capital (leverage) ratio | 10.5061% | 2,860 |
| Tier 1 risk-based capital ratio | 17.6726% | 2,371 |
| Total risk-based capital ratio | 18.8230% | 2,386 |
| Memoranda: | ||
| Average total assets | $18,700,250 | 7,306 |
| Average earning assets | $18,223,500 | 7,254 |
| Average equity | $1,933,750 | 7,291 |
| Average total loans | $12,592,000 | 7,078 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0130% | 3,099 |
| Cost of funding earning assets | 0.7840% | 5,484 |
| Net interest margin | 4.2290% | 1,928 |
| Noninterest income to average assets | 0.5915% | 3,189 |
| Noninterest expense to average assets | 3.2799% | 2,635 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3598% | 1,167 |
| Return on assets (ROA) | 1.0431% | 2,154 |
| Pretax return on assets | 1.0969% | 2,864 |
| Return on Equity (ROE) | 10.1429% | 2,069 |
| Retained earnings to average equity (ytd only) | 7.0059% | 1,875 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6347% | 4,180 |
| Assets per employee ($millions) | 3.7460% | 4,327 |
| Cash dividends to net income (ytd only)* | 30.9278% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0456% | 6,160 |
| Loan loss allowance to noncurrent loans | 162.5000% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.4698% | 5,980 |
| Noncurrent loans to loans | 0.6434% | 5,638 |
| Net loans and leases to total assets | 65.6861% | 3,094 |
| Net loans and leases to deposits | 73.4683% | 3,883 |
| Net loans and leases to core deposits | 73.4683% | 4,644 |
| Total domestic deposits to total assets | 89.4074% | 1,297 |
| Equity capital to assets | 10.4431% | 3,583 |
| Core capital (leverage) ratio | 10.2077% | 3,022 |
| Tier 1 risk-based capital ratio | 17.9879% | 2,178 |
| Total risk-based capital ratio | 19.1834% | 2,152 |
| Memoranda: | ||
| Average total assets | $18,598,000 | 7,378 |
| Average earning assets | $18,113,000 | 7,327 |
| Average equity | $1,912,670 | 7,359 |
| Average total loans | $12,506,330 | 7,145 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9305% | 3,417 |
| Cost of funding earning assets | 0.8217% | 5,451 |
| Net interest margin | 4.1087% | 2,233 |
| Noninterest income to average assets | 0.5396% | 3,584 |
| Noninterest expense to average assets | 3.3887% | 2,309 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9968% | 2,192 |
| Return on assets (ROA) | 0.7339% | 3,421 |
| Pretax return on assets | 0.8418% | 3,732 |
| Return on Equity (ROE) | 7.1920% | 3,297 |
| Retained earnings to average equity (ytd only) | 0.8461% | 5,490 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7619% | 3,376 |
| Assets per employee ($millions) | 3.7886% | 4,324 |
| Cash dividends to net income (ytd only)* | 88.2353% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0434% | 6,241 |
| Loan loss allowance to noncurrent loans | 31.3253% | 6,216 |
| Noncurrent assets plus other real estate owned to assets | 2.2330% | 3,025 |
| Noncurrent loans to loans | 3.3309% | 2,253 |
| Net loans and leases to total assets | 65.0847% | 3,221 |
| Net loans and leases to deposits | 72.4341% | 3,995 |
| Net loans and leases to core deposits | 72.4341% | 4,736 |
| Total domestic deposits to total assets | 89.8538% | 1,244 |
| Equity capital to assets | 9.9931% | 3,783 |
| Core capital (leverage) ratio | 9.8769% | 3,304 |
| Tier 1 risk-based capital ratio | 17.5245% | 2,283 |
| Total risk-based capital ratio | 18.7280% | 2,270 |
| Memoranda: | ||
| Average total assets | $18,532,000 | 7,435 |
| Average earning assets | $18,010,500 | 7,383 |
| Average equity | $1,891,000 | 7,413 |
| Average total loans | $12,543,000 | 7,197 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9285% | 4,883 |
| Cost of funding earning assets | 1.0995% | 5,137 |
| Net interest margin | 3.8290% | 3,822 |
| Noninterest income to average assets | 0.6589% | 3,090 |
| Noninterest expense to average assets | 3.5335% | 2,088 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.6649% | 3,370 |
| Return on assets (ROA) | 0.4676% | 4,405 |
| Pretax return on assets | 0.5951% | 4,343 |
| Return on Equity (ROE) | 4.7185% | 4,194 |
| Retained earnings to average equity (ytd only) | 3.1099% | 3,685 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7039% | 2,317 |
| Assets per employee ($millions) | 3.6242% | 4,645 |
| Cash dividends to net income (ytd only)* | 34.0909% | 2,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0295% | 6,237 |
| Loan loss allowance to noncurrent loans | 35.9116% | 5,924 |
| Noncurrent assets plus other real estate owned to assets | 2.0418% | 3,293 |
| Noncurrent loans to loans | 2.8669% | 2,658 |
| Net loans and leases to total assets | 68.9642% | 2,756 |
| Net loans and leases to deposits | 77.1277% | 3,652 |
| Net loans and leases to core deposits | 77.1277% | 4,578 |
| Total domestic deposits to total assets | 89.4156% | 1,429 |
| Equity capital to assets | 10.4244% | 3,247 |
| Core capital (leverage) ratio | 9.9510% | 3,145 |
| Tier 1 risk-based capital ratio | 17.5509% | 2,155 |
| Total risk-based capital ratio | 18.7587% | 2,135 |
| Memoranda: | ||
| Average total assets | $18,819,800 | 7,494 |
| Average earning assets | $18,281,600 | 7,442 |
| Average equity | $1,865,000 | 7,525 |
| Average total loans | $12,374,000 | 7,282 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9054% | 5,244 |
| Cost of funding earning assets | 1.1559% | 5,110 |
| Net interest margin | 3.7495% | 4,187 |
| Noninterest income to average assets | 0.6458% | 3,145 |
| Noninterest expense to average assets | 3.2500% | 2,742 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.9472% | 2,423 |
| Return on assets (ROA) | 0.7300% | 3,440 |
| Pretax return on assets | 0.8002% | 3,901 |
| Return on Equity (ROE) | 7.4588% | 3,121 |
| Retained earnings to average equity (ytd only) | 5.3072% | 2,768 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7774% | 2,993 |
| Assets per employee ($millions) | 3.7464% | 4,400 |
| Cash dividends to net income (ytd only)* | 28.8475% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0325% | 6,256 |
| Loan loss allowance to noncurrent loans | 35.4223% | 5,969 |
| Noncurrent assets plus other real estate owned to assets | 2.0179% | 3,444 |
| Noncurrent loans to loans | 2.9148% | 2,738 |
| Net loans and leases to total assets | 66.5225% | 3,570 |
| Net loans and leases to deposits | 74.2433% | 4,465 |
| Net loans and leases to core deposits | 74.2433% | 5,263 |
| Total domestic deposits to total assets | 89.6007% | 1,069 |
| Equity capital to assets | 10.1698% | 3,920 |
| Core capital (leverage) ratio | 10.0284% | 3,225 |
| Tier 1 risk-based capital ratio | 17.6847% | 2,117 |
| Total risk-based capital ratio | 18.8916% | 2,098 |
| Memoranda: | ||
| Average total assets | $18,994,500 | 7,581 |
| Average earning assets | $18,455,500 | 7,535 |
| Average equity | $1,859,000 | 7,625 |
| Average total loans | $12,310,750 | 7,383 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9411% | 5,220 |
| Cost of funding earning assets | 1.1867% | 5,201 |
| Net interest margin | 3.7544% | 4,109 |
| Noninterest income to average assets | 0.6079% | 3,280 |
| Noninterest expense to average assets | 3.1653% | 3,031 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9576% | 2,339 |
| Return on assets (ROA) | 0.7546% | 3,330 |
| Pretax return on assets | 0.8594% | 3,661 |
| Return on Equity (ROE) | 7.8105% | 2,954 |
| Retained earnings to average equity (ytd only) | 4.5561% | 3,172 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3842% | 3,396 |
| Assets per employee ($millions) | 3.8056% | 4,209 |
| Cash dividends to net income (ytd only)* | 41.6667% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0464% | 6,197 |
| Loan loss allowance to noncurrent loans | 35.3261% | 6,003 |
| Noncurrent assets plus other real estate owned to assets | 1.9813% | 3,517 |
| Noncurrent loans to loans | 2.9622% | 2,703 |
| Net loans and leases to total assets | 64.6048% | 4,133 |
| Net loans and leases to deposits | 71.8049% | 5,022 |
| Net loans and leases to core deposits | 72.8733% | 5,572 |
| Total domestic deposits to total assets | 89.9727% | 929 |
| Equity capital to assets | 9.8434% | 4,211 |
| Core capital (leverage) ratio | 9.8047% | 3,394 |
| Tier 1 risk-based capital ratio | 17.6316% | 2,063 |
| Total risk-based capital ratio | 18.8553% | 2,041 |
| Memoranda: | ||
| Average total assets | $19,082,000 | 7,647 |
| Average earning assets | $18,538,330 | 7,600 |
| Average equity | $1,843,670 | 7,694 |
| Average total loans | $12,217,330 | 7,444 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8980% | 5,468 |
| Cost of funding earning assets | 1.2515% | 5,102 |
| Net interest margin | 3.6466% | 4,507 |
| Noninterest income to average assets | 0.5861% | 3,367 |
| Noninterest expense to average assets | 3.3492% | 2,376 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7745% | 3,083 |
| Return on assets (ROA) | 0.5442% | 4,296 |
| Pretax return on assets | 0.5442% | 4,802 |
| Return on Equity (ROE) | 5.6862% | 4,019 |
| Retained earnings to average equity (ytd only) | -0.8748% | 6,022 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2183% | 2,383 |
| Assets per employee ($millions) | 3.8244% | 4,264 |
| Cash dividends to net income (ytd only)* | 115.3846% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0586% | 6,192 |
| Loan loss allowance to noncurrent loans | 40.7524% | 5,642 |
| Noncurrent assets plus other real estate owned to assets | 2.2487% | 3,215 |
| Noncurrent loans to loans | 2.5977% | 3,073 |
| Net loans and leases to total assets | 63.5394% | 4,421 |
| Net loans and leases to deposits | 70.4266% | 5,275 |
| Net loans and leases to core deposits | 71.4706% | 5,774 |
| Total domestic deposits to total assets | 90.2207% | 874 |
| Equity capital to assets | 9.5544% | 4,449 |
| Core capital (leverage) ratio | 9.5067% | 3,755 |
| Tier 1 risk-based capital ratio | 17.2310% | 2,184 |
| Total risk-based capital ratio | 18.4570% | 2,147 |
| Memoranda: | ||
| Average total assets | $19,109,000 | 7,744 |
| Average earning assets | $18,538,000 | 7,691 |
| Average equity | $1,829,000 | 7,780 |
| Average total loans | $12,114,500 | 7,539 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1957% | 5,671 |
| Cost of funding earning assets | 1.6697% | 4,675 |
| Net interest margin | 3.5261% | 4,836 |
| Noninterest income to average assets | 0.5433% | 4,085 |
| Noninterest expense to average assets | 3.3289% | 2,911 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.5144% | 3,676 |
| Return on assets (ROA) | 0.4368% | 4,100 |
| Pretax return on assets | 0.5380% | 4,085 |
| Return on Equity (ROE) | 4.5439% | 3,863 |
| Retained earnings to average equity (ytd only) | 2.8815% | 3,164 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0054% | 2,348 |
| Assets per employee ($millions) | 3.8192% | 4,236 |
| Cash dividends to net income (ytd only)* | 36.5854% | 3,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0880% | 5,957 |
| Loan loss allowance to noncurrent loans | 41.0095% | 5,665 |
| Noncurrent assets plus other real estate owned to assets | 2.2256% | 3,097 |
| Noncurrent loans to loans | 2.6529% | 2,896 |
| Net loans and leases to total assets | 61.8925% | 5,011 |
| Net loans and leases to deposits | 70.3805% | 5,557 |
| Net loans and leases to core deposits | 81.9967% | 5,908 |
| Total domestic deposits to total assets | 87.9399% | 1,996 |
| Equity capital to assets | 9.5884% | 4,284 |
| Core capital (leverage) ratio | 9.7125% | 3,438 |
| Tier 1 risk-based capital ratio | 17.5383% | 2,012 |
| Total risk-based capital ratio | 18.7835% | 1,980 |
| Memoranda: | ||
| Average total assets | $18,774,800 | 7,812 |
| Average earning assets | $18,207,200 | 7,753 |
| Average equity | $1,804,600 | 7,874 |
| Average total loans | $11,306,200 | 7,643 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1783% | 5,970 |
| Cost of funding earning assets | 1.7432% | 4,677 |
| Net interest margin | 3.4350% | 5,131 |
| Noninterest income to average assets | 0.5135% | 4,377 |
| Noninterest expense to average assets | 3.0739% | 3,751 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.6496% | 3,407 |
| Return on assets (ROA) | 0.5777% | 3,757 |
| Pretax return on assets | 0.6847% | 3,909 |
| Return on Equity (ROE) | 6.0067% | 3,528 |
| Retained earnings to average equity (ytd only) | 3.7820% | 3,172 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9629% | 2,850 |
| Assets per employee ($millions) | 3.7274% | 4,364 |
| Cash dividends to net income (ytd only)* | 37.0370% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1523% | 5,403 |
| Loan loss allowance to noncurrent loans | 265.3061% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.8370% | 5,416 |
| Noncurrent loans to loans | 0.4343% | 6,466 |
| Net loans and leases to total assets | 59.8380% | 5,607 |
| Net loans and leases to deposits | 66.5473% | 6,253 |
| Net loans and leases to core deposits | 76.9847% | 6,559 |
| Total domestic deposits to total assets | 89.9179% | 800 |
| Equity capital to assets | 9.8245% | 4,318 |
| Core capital (leverage) ratio | 9.8632% | 3,442 |
| Tier 1 risk-based capital ratio | 18.7123% | 1,813 |
| Total risk-based capital ratio | 19.9489% | 1,777 |
| Memoranda: | ||
| Average total assets | $18,694,500 | 7,892 |
| Average earning assets | $18,126,500 | 7,837 |
| Average equity | $1,798,000 | 7,957 |
| Average total loans | $11,145,500 | 7,728 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2236% | 5,988 |
| Cost of funding earning assets | 1.7997% | 4,763 |
| Net interest margin | 3.4239% | 5,085 |
| Noninterest income to average assets | 0.4702% | 4,710 |
| Noninterest expense to average assets | 3.0352% | 3,946 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6530% | 3,453 |
| Return on assets (ROA) | 0.5985% | 3,790 |
| Pretax return on assets | 0.7054% | 3,975 |
| Return on Equity (ROE) | 6.2675% | 3,531 |
| Retained earnings to average equity (ytd only) | 2.9099% | 3,709 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7753% | 3,080 |
| Assets per employee ($millions) | 3.7174% | 4,283 |
| Cash dividends to net income (ytd only)* | 53.5714% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1500% | 5,267 |
| Loan loss allowance to noncurrent loans | 64.3564% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 1.0868% | 4,785 |
| Noncurrent loans to loans | 1.7870% | 3,820 |
| Net loans and leases to total assets | 60.1173% | 5,659 |
| Net loans and leases to deposits | 66.7304% | 6,329 |
| Net loans and leases to core deposits | 77.3555% | 6,588 |
| Total domestic deposits to total assets | 90.0898% | 790 |
| Equity capital to assets | 9.7165% | 4,326 |
| Core capital (leverage) ratio | 9.7196% | 3,608 |
| Tier 1 risk-based capital ratio | 18.6918% | 1,839 |
| Total risk-based capital ratio | 19.9441% | 1,790 |
| Memoranda: | ||
| Average total assets | $18,713,670 | 7,970 |
| Average earning assets | $18,225,000 | 7,912 |
| Average equity | $1,787,000 | 8,041 |
| Average total loans | $11,100,000 | 7,809 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1579% | 6,454 |
| Cost of funding earning assets | 1.8717% | 4,783 |
| Net interest margin | 3.2863% | 5,540 |
| Noninterest income to average assets | 0.4474% | 4,802 |
| Noninterest expense to average assets | 2.9611% | 3,935 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5897% | 4,058 |
| Return on assets (ROA) | 0.5539% | 4,389 |
| Pretax return on assets | 0.6604% | 4,558 |
| Return on Equity (ROE) | 5.8509% | 4,095 |
| Retained earnings to average equity (ytd only) | -0.9001% | 5,865 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8140% | 2,695 |
| Assets per employee ($millions) | 3.6572% | 4,433 |
| Cash dividends to net income (ytd only)* | 115.3846% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1905% | 4,870 |
| Loan loss allowance to noncurrent loans | 55.5556% | 4,863 |
| Noncurrent assets plus other real estate owned to assets | 1.2797% | 4,118 |
| Noncurrent loans to loans | 2.1429% | 3,062 |
| Net loans and leases to total assets | 59.0069% | 5,806 |
| Net loans and leases to deposits | 65.5210% | 6,420 |
| Net loans and leases to core deposits | 77.2204% | 6,594 |
| Total domestic deposits to total assets | 90.0580% | 775 |
| Equity capital to assets | 9.7123% | 4,365 |
| Core capital (leverage) ratio | 9.5741% | 3,902 |
| Tier 1 risk-based capital ratio | 18.6047% | 1,903 |
| Total risk-based capital ratio | 19.8198% | 1,867 |
| Memoranda: | ||
| Average total assets | $18,777,000 | 8,014 |
| Average earning assets | $18,379,500 | 7,948 |
| Average equity | $1,777,500 | 8,100 |
| Average total loans | $10,998,000 | 7,862 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6382% | 6,967 |
| Cost of funding earning assets | 2.5829% | 3,777 |
| Net interest margin | 3.0554% | 6,776 |
| Noninterest income to average assets | 0.5920% | 3,898 |
| Noninterest expense to average assets | 3.2715% | 3,067 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.2191% | 5,792 |
| Return on assets (ROA) | 0.4726% | 4,673 |
| Pretax return on assets | 0.5920% | 4,715 |
| Return on Equity (ROE) | 5.1378% | 4,317 |
| Retained earnings to average equity (ytd only) | 3.4440% | 2,999 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2401% | 1,366 |
| Assets per employee ($millions) | 3.8536% | 3,852 |
| Cash dividends to net income (ytd only)* | 32.9670% | 3,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1737% | 4,750 |
| Loan loss allowance to noncurrent loans | 64.3564% | 4,792 |
| Noncurrent assets plus other real estate owned to assets | 1.0484% | 4,198 |
| Noncurrent loans to loans | 1.8238% | 3,024 |
| Net loans and leases to total assets | 56.8092% | 6,348 |
| Net loans and leases to deposits | 62.7638% | 6,893 |
| Net loans and leases to core deposits | 75.3286% | 6,895 |
| Total domestic deposits to total assets | 90.5128% | 483 |
| Equity capital to assets | 9.2329% | 5,028 |
| Core capital (leverage) ratio | 9.1715% | 4,483 |
| Tier 1 risk-based capital ratio | 17.8614% | 2,072 |
| Total risk-based capital ratio | 19.1064% | 2,015 |
| Memoranda: | ||
| Average total assets | $19,257,200 | 8,043 |
| Average earning assets | $18,622,800 | 7,983 |
| Average equity | $1,771,200 | 8,166 |
| Average total loans | $10,618,800 | 7,911 |