Home > Exchange State Bank > Performance and Condition Ratios
Exchange 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 | 4.0102% | 3,953 |
| Cost of funding earning assets | 1.1965% | 2,812 |
| Net interest margin | 2.8137% | 3,635 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 2.2395% | 3,011 |
| Loan and lease loss provision to assets | -0.2800% | 4,572 |
| Net operating income to assets | 0.8966% | 2,558 |
| Return on assets (ROA) | 0.8918% | 2,548 |
| Pretax return on assets | 0.9369% | 2,855 |
| Return on Equity (ROE) | 6.7600% | 3,342 |
| Retained earnings to average equity (ytd only) | 2.9626% | 3,287 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 77.0690% | 1,153 |
| Assets per employee ($millions) | 4.8778% | 3,724 |
| Cash dividends to net income (ytd only)* | 56.1798% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0614% | 3,016 |
| 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 | 39.4200% | 4,059 |
| Net loans and leases to deposits | 52.2737% | 3,867 |
| Net loans and leases to core deposits | 54.1127% | 3,974 |
| Total domestic deposits to total assets | 75.4000% | 3,993 |
| Equity capital to assets | 13.9460% | 693 |
| Core capital (leverage) ratio | 13.0317% | 1,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.3785% | 284 |
| Memoranda: | ||
| Average total assets | $39,918,800 | 4,392 |
| Average earning assets | $36,606,800 | 4,369 |
| Average equity | $5,265,600 | 4,237 |
| Average total loans | $16,062,600 | 4,336 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9043% | 3,991 |
| Cost of funding earning assets | 1.0484% | 2,896 |
| Net interest margin | 2.8559% | 3,630 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 2.2353% | 2,974 |
| Loan and lease loss provision to assets | -0.3700% | 4,605 |
| Net operating income to assets | 0.9861% | 2,408 |
| Return on assets (ROA) | 0.9798% | 2,420 |
| Pretax return on assets | 1.0296% | 2,771 |
| Return on Equity (ROE) | 7.5300% | 3,307 |
| Retained earnings to average equity (ytd only) | 7.5328% | 2,135 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 76.9143% | 1,097 |
| Assets per employee ($millions) | 4.7331% | 3,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0251% | 3,234 |
| 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 | 42.0700% | 3,989 |
| Net loans and leases to deposits | 56.6053% | 3,678 |
| Net loans and leases to core deposits | 57.6291% | 3,792 |
| Total domestic deposits to total assets | 74.3300% | 4,136 |
| Equity capital to assets | 14.0895% | 636 |
| Core capital (leverage) ratio | 13.8988% | 845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.3390% | 278 |
| Memoranda: | ||
| Average total assets | $40,143,000 | 4,408 |
| Average earning assets | $36,881,500 | 4,387 |
| Average equity | $5,221,500 | 4,252 |
| Average total loans | $16,191,750 | 4,358 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8512% | 3,945 |
| Cost of funding earning assets | 0.8883% | 2,964 |
| Net interest margin | 2.9629% | 3,533 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 2.2346% | 2,982 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7380% | 3,248 |
| Return on assets (ROA) | 0.7286% | 3,283 |
| Pretax return on assets | 0.7628% | 3,480 |
| Return on Equity (ROE) | 5.7500% | 3,747 |
| Retained earnings to average equity (ytd only) | 5.7488% | 2,714 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 74.3089% | 1,315 |
| Assets per employee ($millions) | 4.7706% | 3,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6887% | 769 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 41.9500% | 3,967 |
| Net loans and leases to deposits | 54.5170% | 3,718 |
| Net loans and leases to core deposits | 54.5170% | 3,867 |
| Total domestic deposits to total assets | 76.9500% | 3,956 |
| Equity capital to assets | 13.6696% | 686 |
| Core capital (leverage) ratio | 12.9580% | 1,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9049% | 391 |
| Memoranda: | ||
| Average total assets | $40,902,333 | 4,427 |
| Average earning assets | $37,598,667 | 4,403 |
| Average equity | $5,183,667 | 4,277 |
| Average total loans | $16,223,667 | 4,381 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9149% | 3,645 |
| Cost of funding earning assets | 0.7727% | 2,832 |
| Net interest margin | 3.1422% | 3,257 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.1197% | 3,333 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9936% | 2,554 |
| Return on assets (ROA) | 0.9936% | 2,520 |
| Pretax return on assets | 1.0409% | 2,884 |
| Return on Equity (ROE) | 8.1300% | 3,257 |
| Retained earnings to average equity (ytd only) | 8.1285% | 2,183 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.0659% | 2,079 |
| Assets per employee ($millions) | 5.0485% | 3,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7469% | 728 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 38.3000% | 4,103 |
| Net loans and leases to deposits | 44.1775% | 4,093 |
| Net loans and leases to core deposits | 44.1775% | 4,163 |
| Total domestic deposits to total assets | 86.6900% | 2,373 |
| Equity capital to assets | 13.1747% | 723 |
| Core capital (leverage) ratio | 12.0413% | 1,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.2269% | 276 |
| Memoranda: | ||
| Average total assets | $42,271,000 | 4,486 |
| Average earning assets | $38,826,500 | 4,462 |
| Average equity | $5,167,000 | 4,338 |
| Average total loans | $16,193,000 | 4,441 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3653% | 3,432 |
| Cost of funding earning assets | 0.3363% | 2,583 |
| Net interest margin | 3.0290% | 3,362 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 2.1593% | 3,130 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9689% | 2,681 |
| Return on assets (ROA) | 0.9689% | 2,624 |
| Pretax return on assets | 1.0197% | 3,024 |
| Return on Equity (ROE) | 8.0500% | 3,379 |
| Retained earnings to average equity (ytd only) | 4.7904% | 3,143 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.9245% | 1,974 |
| Assets per employee ($millions) | 5.5193% | 3,194 |
| Cash dividends to net income (ytd only)* | 40.4762% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6522% | 874 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 37.0700% | 4,175 |
| Net loans and leases to deposits | 41.8752% | 4,183 |
| Net loans and leases to core deposits | 41.8752% | 4,233 |
| Total domestic deposits to total assets | 88.5300% | 1,870 |
| Equity capital to assets | 11.3534% | 1,127 |
| Core capital (leverage) ratio | 11.0813% | 1,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3979% | 354 |
| Memoranda: | ||
| Average total assets | $43,346,600 | 4,498 |
| Average earning assets | $39,847,600 | 4,480 |
| Average equity | $5,218,800 | 4,410 |
| Average total loans | $16,973,600 | 4,456 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2308% | 3,360 |
| Cost of funding earning assets | 0.2882% | 2,296 |
| Net interest margin | 2.9426% | 3,379 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 2.0458% | 3,364 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0538% | 2,273 |
| Return on assets (ROA) | 1.0538% | 2,237 |
| Pretax return on assets | 1.1094% | 2,687 |
| Return on Equity (ROE) | 8.6300% | 3,133 |
| Retained earnings to average equity (ytd only) | 8.6268% | 1,778 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.8384% | 2,432 |
| Assets per employee ($millions) | 5.5835% | 3,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6451% | 976 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 36.8100% | 4,192 |
| Net loans and leases to deposits | 41.4967% | 4,192 |
| Net loans and leases to core deposits | 41.4967% | 4,238 |
| Total domestic deposits to total assets | 88.7000% | 2,212 |
| Equity capital to assets | 11.1982% | 1,103 |
| Core capital (leverage) ratio | 11.8925% | 1,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7052% | 358 |
| Memoranda: | ||
| Average total assets | $43,144,750 | 4,534 |
| Average earning assets | $39,782,750 | 4,512 |
| Average equity | $5,270,250 | 4,443 |
| Average total loans | $17,056,000 | 4,485 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1246% | 3,247 |
| Cost of funding earning assets | 0.2730% | 1,989 |
| Net interest margin | 2.8516% | 3,283 |
| Noninterest income to average assets | 0.5347% | 2,019 |
| Noninterest expense to average assets | 2.0827% | 3,200 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0413% | 2,017 |
| Return on assets (ROA) | 1.0413% | 1,985 |
| Pretax return on assets | 1.0976% | 2,419 |
| Return on Equity (ROE) | 8.2841% | 2,938 |
| Retained earnings to average equity (ytd only) | 8.2841% | 1,518 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4867% | 2,581 |
| Assets per employee ($millions) | 5.3533% | 3,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6757% | 1,001 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 37.6780% | 4,181 |
| Net loans and leases to deposits | 42.9080% | 4,161 |
| Net loans and leases to core deposits | 42.9080% | 4,232 |
| Total domestic deposits to total assets | 87.8111% | 2,651 |
| Equity capital to assets | 12.0838% | 850 |
| Core capital (leverage) ratio | 11.2416% | 1,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6861% | 301 |
| Memoranda: | ||
| Average total assets | $42,637,000 | 4,583 |
| Average earning assets | $39,556,667 | 4,572 |
| Average equity | $5,359,667 | 4,488 |
| Average total loans | $17,169,333 | 4,540 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0298% | 3,166 |
| Cost of funding earning assets | 0.2635% | 1,998 |
| Net interest margin | 2.7664% | 3,235 |
| Noninterest income to average assets | 0.2539% | 3,622 |
| Noninterest expense to average assets | 2.1249% | 3,066 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6582% | 3,200 |
| Return on assets (ROA) | 0.6582% | 3,176 |
| Pretax return on assets | 0.6958% | 3,407 |
| Return on Equity (ROE) | 5.1357% | 3,586 |
| Retained earnings to average equity (ytd only) | 5.1357% | 2,543 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3333% | 1,598 |
| Assets per employee ($millions) | 5.3715% | 3,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6256% | 1,205 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 38.7275% | 4,084 |
| Net loans and leases to deposits | 44.1889% | 4,055 |
| Net loans and leases to core deposits | 44.1889% | 4,154 |
| Total domestic deposits to total assets | 87.6408% | 2,691 |
| Equity capital to assets | 12.2638% | 869 |
| Core capital (leverage) ratio | 10.8839% | 1,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3817% | 364 |
| Memoranda: | ||
| Average total assets | $42,542,500 | 4,607 |
| Average earning assets | $39,474,000 | 4,596 |
| Average equity | $5,452,000 | 4,524 |
| Average total loans | $17,548,500 | 4,560 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9719% | 1,430 |
| Cost of funding earning assets | 0.3521% | 1,920 |
| Net interest margin | 3.6198% | 1,408 |
| Noninterest income to average assets | 0.2891% | 3,663 |
| Noninterest expense to average assets | 2.3507% | 2,657 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2136% | 1,884 |
| Return on assets (ROA) | 1.2136% | 1,931 |
| Pretax return on assets | 1.2781% | 2,427 |
| Return on Equity (ROE) | 8.6143% | 3,045 |
| Retained earnings to average equity (ytd only) | 1.2548% | 4,191 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7795% | 2,437 |
| Assets per employee ($millions) | 5.2641% | 3,505 |
| Cash dividends to net income (ytd only)* | 85.4331% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5127% | 1,504 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 42.5166% | 3,948 |
| Net loans and leases to deposits | 49.8191% | 3,900 |
| Net loans and leases to core deposits | 49.8191% | 4,020 |
| Total domestic deposits to total assets | 85.3418% | 3,158 |
| Equity capital to assets | 13.3783% | 800 |
| Core capital (leverage) ratio | 11.0869% | 1,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0279% | 442 |
| Memoranda: | ||
| Average total assets | $41,859,200 | 4,641 |
| Average earning assets | $38,621,000 | 4,632 |
| Average equity | $5,897,200 | 4,538 |
| Average total loans | $18,342,600 | 4,594 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2750% | 986 |
| Cost of funding earning assets | 0.3707% | 1,931 |
| Net interest margin | 3.9043% | 934 |
| Noninterest income to average assets | 0.2903% | 3,717 |
| Noninterest expense to average assets | 2.2043% | 3,056 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5982% | 1,039 |
| Return on assets (ROA) | 1.5982% | 1,082 |
| Pretax return on assets | 1.6811% | 1,452 |
| Return on Equity (ROE) | 11.2021% | 2,308 |
| Retained earnings to average equity (ytd only) | 11.2021% | 1,012 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7323% | 3,447 |
| Assets per employee ($millions) | 5.7326% | 2,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4907% | 1,669 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 45.2876% | 3,851 |
| Net loans and leases to deposits | 54.3548% | 3,706 |
| Net loans and leases to core deposits | 54.3548% | 3,893 |
| Total domestic deposits to total assets | 83.3184% | 3,628 |
| Equity capital to assets | 15.3085% | 492 |
| Core capital (leverage) ratio | 12.1493% | 1,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2204% | 415 |
| Memoranda: | ||
| Average total assets | $41,795,750 | 4,712 |
| Average earning assets | $38,486,250 | 4,697 |
| Average equity | $5,963,000 | 4,599 |
| Average total loans | $18,383,250 | 4,660 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6015% | 623 |
| Cost of funding earning assets | 0.3839% | 2,024 |
| Net interest margin | 4.2176% | 566 |
| Noninterest income to average assets | 0.2881% | 3,699 |
| Noninterest expense to average assets | 2.1912% | 3,121 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.8889% | 609 |
| Return on assets (ROA) | 1.8889% | 632 |
| Pretax return on assets | 1.9881% | 857 |
| Return on Equity (ROE) | 13.5524% | 1,546 |
| Retained earnings to average equity (ytd only) | 13.5524% | 625 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4294% | 3,999 |
| Assets per employee ($millions) | 4.7809% | 3,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5419% | 1,450 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 40.8106% | 4,249 |
| Net loans and leases to deposits | 48.2179% | 4,202 |
| Net loans and leases to core deposits | 50.2892% | 4,225 |
| Total domestic deposits to total assets | 84.6379% | 3,245 |
| Equity capital to assets | 14.0653% | 704 |
| Core capital (leverage) ratio | 11.4229% | 1,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6997% | 391 |
| Memoranda: | ||
| Average total assets | $42,351,667 | 4,736 |
| Average earning assets | $39,074,000 | 4,720 |
| Average equity | $5,903,000 | 4,630 |
| Average total loans | $18,361,667 | 4,693 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9495% | 379 |
| Cost of funding earning assets | 0.4125% | 1,997 |
| Net interest margin | 4.5371% | 336 |
| Noninterest income to average assets | 0.3047% | 3,590 |
| Noninterest expense to average assets | 2.1898% | 3,138 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.1898% | 427 |
| Return on assets (ROA) | 2.1898% | 463 |
| Pretax return on assets | 2.3040% | 586 |
| Return on Equity (ROE) | 15.7845% | 1,064 |
| Retained earnings to average equity (ytd only) | 15.7845% | 544 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7288% | 4,283 |
| Assets per employee ($millions) | 5.3663% | 3,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4583% | 1,743 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 43.2844% | 4,155 |
| Net loans and leases to deposits | 50.9626% | 4,112 |
| Net loans and leases to core deposits | 53.6773% | 4,103 |
| Total domestic deposits to total assets | 84.9336% | 3,127 |
| Equity capital to assets | 13.7666% | 724 |
| Core capital (leverage) ratio | 11.4383% | 1,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9583% | 454 |
| Memoranda: | ||
| Average total assets | $42,013,500 | 4,762 |
| Average earning assets | $38,791,500 | 4,743 |
| Average equity | $5,828,500 | 4,654 |
| Average total loans | $18,625,000 | 4,716 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4248% | 1,509 |
| Cost of funding earning assets | 0.5911% | 2,381 |
| Net interest margin | 3.8337% | 1,410 |
| Noninterest income to average assets | 0.4690% | 2,777 |
| Noninterest expense to average assets | 2.4708% | 2,937 |
| Loan and lease loss provision to assets | 0.0384% | 3,933 |
| Net operating income to assets | 1.4097% | 999 |
| Return on assets (ROA) | 1.4097% | 1,080 |
| Pretax return on assets | 1.4840% | 1,391 |
| Return on Equity (ROE) | 9.3598% | 2,255 |
| Retained earnings to average equity (ytd only) | 1.3614% | 4,084 |
| Net charge-offs to loans | -0.0050% | 4,130 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8742% | 3,162 |
| Assets per employee ($millions) | 4.5663% | 3,851 |
| Cash dividends to net income (ytd only)* | 85.4545% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4951% | 1,599 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 44.0859% | 4,241 |
| Net loans and leases to deposits | 52.8422% | 4,175 |
| Net loans and leases to core deposits | 55.8439% | 4,159 |
| Total domestic deposits to total assets | 83.4294% | 3,286 |
| Equity capital to assets | 13.9840% | 804 |
| Core capital (leverage) ratio | 11.4036% | 1,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3592% | 481 |
| Memoranda: | ||
| Average total assets | $39,016,200 | 4,784 |
| Average earning assets | $35,866,400 | 4,769 |
| Average equity | $5,876,200 | 4,656 |
| Average total loans | $19,994,400 | 4,717 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6756% | 1,119 |
| Cost of funding earning assets | 0.6367% | 2,397 |
| Net interest margin | 4.0389% | 1,037 |
| Noninterest income to average assets | 0.5368% | 2,437 |
| Noninterest expense to average assets | 2.3552% | 3,270 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.8010% | 449 |
| Return on assets (ROA) | 1.8010% | 504 |
| Pretax return on assets | 1.8945% | 640 |
| Return on Equity (ROE) | 11.7342% | 1,442 |
| Retained earnings to average equity (ytd only) | 11.7342% | 467 |
| Net charge-offs to loans | -0.0065% | 4,115 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4197% | 3,988 |
| Assets per employee ($millions) | 4.2657% | 4,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2574% | 2,362 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 53.1843% | 3,874 |
| Net loans and leases to deposits | 66.6863% | 3,562 |
| Net loans and leases to core deposits | 70.9525% | 3,559 |
| Total domestic deposits to total assets | 79.7531% | 3,917 |
| Equity capital to assets | 16.1679% | 452 |
| Core capital (leverage) ratio | 13.0869% | 927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8547% | 459 |
| Memoranda: | ||
| Average total assets | $38,496,000 | 4,816 |
| Average earning assets | $35,388,250 | 4,801 |
| Average equity | $5,908,500 | 4,676 |
| Average total loans | $20,394,750 | 4,737 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5416% | 1,796 |
| Cost of funding earning assets | 0.6666% | 2,582 |
| Net interest margin | 3.8750% | 1,637 |
| Noninterest income to average assets | 0.6488% | 1,935 |
| Noninterest expense to average assets | 2.3254% | 3,457 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.7908% | 510 |
| Return on assets (ROA) | 1.7908% | 561 |
| Pretax return on assets | 1.8842% | 689 |
| Return on Equity (ROE) | 11.8781% | 1,363 |
| Retained earnings to average equity (ytd only) | 11.8781% | 475 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2404% | 4,035 |
| Assets per employee ($millions) | 4.9578% | 3,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2337% | 2,335 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 52.2767% | 4,009 |
| Net loans and leases to deposits | 64.7573% | 3,826 |
| Net loans and leases to core deposits | 68.7057% | 3,816 |
| Total domestic deposits to total assets | 80.7271% | 3,677 |
| Equity capital to assets | 15.2514% | 580 |
| Core capital (leverage) ratio | 12.3766% | 1,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7241% | 608 |
| Memoranda: | ||
| Average total assets | $38,531,000 | 4,839 |
| Average earning assets | $35,406,000 | 4,827 |
| Average equity | $5,809,000 | 4,708 |
| Average total loans | $20,300,333 | 4,763 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1416% | 3,399 |
| Cost of funding earning assets | 0.6998% | 2,930 |
| Net interest margin | 3.4418% | 3,177 |
| Noninterest income to average assets | 1.0536% | 771 |
| Noninterest expense to average assets | 2.3390% | 3,684 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.7806% | 427 |
| Return on assets (ROA) | 1.7806% | 475 |
| Pretax return on assets | 1.8754% | 595 |
| Return on Equity (ROE) | 11.8826% | 1,133 |
| Retained earnings to average equity (ytd only) | 11.8826% | 436 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5000% | 4,258 |
| Assets per employee ($millions) | 4.3029% | 3,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2725% | 2,272 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 51.8902% | 4,122 |
| Net loans and leases to deposits | 65.1568% | 3,915 |
| Net loans and leases to core deposits | 68.4878% | 3,961 |
| Total domestic deposits to total assets | 79.6390% | 3,921 |
| Equity capital to assets | 15.0054% | 758 |
| Core capital (leverage) ratio | 12.6116% | 1,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1320% | 557 |
| Memoranda: | ||
| Average total assets | $37,965,500 | 4,880 |
| Average earning assets | $34,865,500 | 4,868 |
| Average equity | $5,689,000 | 4,759 |
| Average total loans | $19,954,000 | 4,805 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5671% | 2,722 |
| Cost of funding earning assets | 0.7834% | 2,755 |
| Net interest margin | 3.7837% | 2,555 |
| Noninterest income to average assets | 0.4268% | 3,124 |
| Noninterest expense to average assets | 2.5139% | 3,409 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2892% | 1,733 |
| Return on assets (ROA) | 1.2996% | 1,764 |
| Pretax return on assets | 1.3685% | 2,273 |
| Return on Equity (ROE) | 8.4052% | 2,984 |
| Retained earnings to average equity (ytd only) | 1.1753% | 4,324 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9360% | 2,946 |
| Assets per employee ($millions) | 4.1339% | 3,712 |
| Cash dividends to net income (ytd only)* | 86.0169% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3245% | 1,818 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 51.8613% | 4,236 |
| Net loans and leases to deposits | 65.2387% | 3,993 |
| Net loans and leases to core deposits | 68.7242% | 4,042 |
| Total domestic deposits to total assets | 79.4947% | 4,078 |
| Equity capital to assets | 14.9630% | 804 |
| Core capital (leverage) ratio | 12.4612% | 1,507 |
| Tier 1 risk-based capital ratio | 18.6587% | 1,599 |
| Total risk-based capital ratio | 19.7518% | 1,607 |
| Memoranda: | ||
| Average total assets | $36,317,600 | 4,951 |
| Average earning assets | $33,062,600 | 4,944 |
| Average equity | $5,615,600 | 4,808 |
| Average total loans | $19,750,600 | 4,868 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6142% | 2,676 |
| Cost of funding earning assets | 0.7852% | 2,787 |
| Net interest margin | 3.8290% | 2,506 |
| Noninterest income to average assets | 0.4691% | 2,912 |
| Noninterest expense to average assets | 2.4047% | 3,666 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4819% | 1,236 |
| Return on assets (ROA) | 1.4960% | 1,257 |
| Pretax return on assets | 1.5736% | 1,726 |
| Return on Equity (ROE) | 9.5951% | 2,623 |
| Retained earnings to average equity (ytd only) | 7.2260% | 1,745 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4846% | 3,547 |
| Assets per employee ($millions) | 3.8776% | 4,058 |
| Cash dividends to net income (ytd only)* | 24.6912% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2209% | 2,398 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 58.8888% | 3,785 |
| Net loans and leases to deposits | 75.9629% | 3,296 |
| Net loans and leases to core deposits | 80.7949% | 3,329 |
| Total domestic deposits to total assets | 77.5231% | 4,440 |
| Equity capital to assets | 16.5969% | 542 |
| Core capital (leverage) ratio | 13.1353% | 1,284 |
| Tier 1 risk-based capital ratio | 22.8689% | 956 |
| Total risk-based capital ratio | 24.1154% | 938 |
| Memoranda: | ||
| Average total assets | $36,095,750 | 5,028 |
| Average earning assets | $32,940,750 | 5,021 |
| Average equity | $5,627,750 | 4,872 |
| Average total loans | $19,799,750 | 4,941 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5106% | 2,982 |
| Cost of funding earning assets | 0.7727% | 2,788 |
| Net interest margin | 3.7379% | 2,798 |
| Noninterest income to average assets | 0.5316% | 2,495 |
| Noninterest expense to average assets | 2.3729% | 3,811 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5125% | 1,114 |
| Return on assets (ROA) | 1.5125% | 1,163 |
| Pretax return on assets | 1.5783% | 1,613 |
| Return on Equity (ROE) | 9.9049% | 2,441 |
| Retained earnings to average equity (ytd only) | 9.9049% | 790 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7781% | 3,765 |
| Assets per employee ($millions) | 4.1176% | 3,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2544% | 2,226 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 53.5323% | 4,242 |
| Net loans and leases to deposits | 67.9430% | 3,972 |
| Net loans and leases to core deposits | 75.4871% | 3,770 |
| Total domestic deposits to total assets | 78.7900% | 4,258 |
| Equity capital to assets | 15.5432% | 701 |
| Core capital (leverage) ratio | 12.9163% | 1,345 |
| Tier 1 risk-based capital ratio | 22.2612% | 1,027 |
| Total risk-based capital ratio | 23.4726% | 1,011 |
| Memoranda: | ||
| Average total assets | $36,495,000 | 5,060 |
| Average earning assets | $33,388,000 | 5,058 |
| Average equity | $5,573,000 | 4,907 |
| Average total loans | $19,464,670 | 4,989 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4406% | 3,084 |
| Cost of funding earning assets | 0.7361% | 2,856 |
| Net interest margin | 3.7045% | 2,877 |
| Noninterest income to average assets | 0.7290% | 1,513 |
| Noninterest expense to average assets | 2.3969% | 3,777 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6237% | 851 |
| Return on assets (ROA) | 1.6237% | 885 |
| Pretax return on assets | 1.7231% | 1,162 |
| Return on Equity (ROE) | 10.7309% | 2,065 |
| Retained earnings to average equity (ytd only) | 10.7309% | 873 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9088% | 4,091 |
| Assets per employee ($millions) | 4.5353% | 3,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3324% | 1,946 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 52.4530% | 4,312 |
| Net loans and leases to deposits | 66.4885% | 4,015 |
| Net loans and leases to core deposits | 74.0333% | 3,794 |
| Total domestic deposits to total assets | 78.8904% | 4,375 |
| Equity capital to assets | 15.3630% | 676 |
| Core capital (leverage) ratio | 12.7804% | 1,365 |
| Tier 1 risk-based capital ratio | 22.4991% | 989 |
| Total risk-based capital ratio | 23.7452% | 966 |
| Memoranda: | ||
| Average total assets | $36,213,500 | 5,119 |
| Average earning assets | $33,149,000 | 5,112 |
| Average equity | $5,479,500 | 4,967 |
| Average total loans | $19,152,000 | 5,053 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0650% | 3,853 |
| Cost of funding earning assets | 0.6064% | 2,673 |
| Net interest margin | 3.4586% | 3,840 |
| Noninterest income to average assets | 1.2247% | 618 |
| Noninterest expense to average assets | 2.7032% | 3,014 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.6068% | 855 |
| Return on assets (ROA) | 1.6068% | 844 |
| Pretax return on assets | 1.6877% | 1,199 |
| Return on Equity (ROE) | 10.4579% | 2,315 |
| Retained earnings to average equity (ytd only) | 0.1089% | 4,956 |
| Net charge-offs to loans | -0.0267% | 4,775 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5464% | 3,773 |
| Assets per employee ($millions) | 4.5181% | 3,145 |
| Cash dividends to net income (ytd only)* | 98.9583% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3515% | 1,818 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 51.8993% | 4,415 |
| Net loans and leases to deposits | 65.3965% | 4,160 |
| Net loans and leases to core deposits | 71.9590% | 3,989 |
| Total domestic deposits to total assets | 79.3609% | 4,242 |
| Equity capital to assets | 14.8983% | 733 |
| Core capital (leverage) ratio | 12.2917% | 1,565 |
| Tier 1 risk-based capital ratio | 21.7021% | 1,065 |
| Total risk-based capital ratio | 22.9484% | 1,048 |
| Memoranda: | ||
| Average total assets | $35,846,600 | 5,162 |
| Average earning assets | $32,816,600 | 5,153 |
| Average equity | $5,507,800 | 4,969 |
| Average total loans | $18,724,200 | 5,105 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0059% | 3,912 |
| Cost of funding earning assets | 0.5583% | 2,801 |
| Net interest margin | 3.4476% | 3,867 |
| Noninterest income to average assets | 1.5021% | 425 |
| Noninterest expense to average assets | 2.6389% | 3,162 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.9195% | 461 |
| Return on assets (ROA) | 1.9195% | 461 |
| Pretax return on assets | 2.0164% | 595 |
| Return on Equity (ROE) | 12.3978% | 1,639 |
| Retained earnings to average equity (ytd only) | 4.8147% | 3,337 |
| Net charge-offs to loans | -0.0143% | 4,495 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7246% | 4,414 |
| Assets per employee ($millions) | 4.4595% | 3,184 |
| Cash dividends to net income (ytd only)* | 61.1651% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3723% | 1,806 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 51.1689% | 4,520 |
| Net loans and leases to deposits | 65.0199% | 4,272 |
| Net loans and leases to core deposits | 72.9383% | 4,016 |
| Total domestic deposits to total assets | 78.6972% | 4,379 |
| Equity capital to assets | 15.5286% | 610 |
| Core capital (leverage) ratio | 13.3132% | 1,171 |
| Tier 1 risk-based capital ratio | 22.4901% | 990 |
| Total risk-based capital ratio | 23.7376% | 967 |
| Memoranda: | ||
| Average total assets | $35,772,000 | 5,226 |
| Average earning assets | $32,717,500 | 5,218 |
| Average equity | $5,538,500 | 5,018 |
| Average total loans | $18,651,250 | 5,165 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9240% | 4,007 |
| Cost of funding earning assets | 0.5171% | 2,878 |
| Net interest margin | 3.4069% | 3,933 |
| Noninterest income to average assets | 2.0165% | 270 |
| Noninterest expense to average assets | 2.6645% | 3,121 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.3629% | 183 |
| Return on assets (ROA) | 2.3629% | 179 |
| Pretax return on assets | 2.4802% | 232 |
| Return on Equity (ROE) | 15.2763% | 798 |
| Retained earnings to average equity (ytd only) | 15.2763% | 185 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9229% | 4,968 |
| Assets per employee ($millions) | 3.8519% | 4,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4050% | 1,730 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 51.0110% | 4,544 |
| Net loans and leases to deposits | 63.5635% | 4,311 |
| Net loans and leases to core deposits | 67.8250% | 4,264 |
| Total domestic deposits to total assets | 80.2521% | 4,184 |
| Equity capital to assets | 16.6671% | 433 |
| Core capital (leverage) ratio | 13.7413% | 981 |
| Tier 1 risk-based capital ratio | 24.8073% | 749 |
| Total risk-based capital ratio | 26.0573% | 731 |
| Memoranda: | ||
| Average total assets | $35,804,000 | 5,291 |
| Average earning assets | $32,874,670 | 5,278 |
| Average equity | $5,538,000 | 5,072 |
| Average total loans | $18,698,670 | 5,223 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8240% | 4,154 |
| Cost of funding earning assets | 0.5275% | 2,566 |
| Net interest margin | 3.2966% | 4,201 |
| Noninterest income to average assets | 0.3519% | 3,791 |
| Noninterest expense to average assets | 2.5294% | 3,563 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8028% | 3,688 |
| Return on assets (ROA) | 0.8028% | 3,700 |
| Pretax return on assets | 0.8468% | 4,025 |
| Return on Equity (ROE) | 5.3894% | 4,356 |
| Retained earnings to average equity (ytd only) | 5.3894% | 2,996 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6156% | 1,947 |
| Assets per employee ($millions) | 3.6174% | 4,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4177% | 1,773 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2046% | 4,065 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 48.4409% | 4,664 |
| Net loans and leases to deposits | 59.0477% | 4,533 |
| Net loans and leases to core deposits | 62.0745% | 4,547 |
| Total domestic deposits to total assets | 82.0368% | 3,955 |
| Equity capital to assets | 15.0301% | 667 |
| Core capital (leverage) ratio | 12.2479% | 1,500 |
| Tier 1 risk-based capital ratio | 23.2407% | 918 |
| Total risk-based capital ratio | 24.4847% | 893 |
| Memoranda: | ||
| Average total assets | $36,372,500 | 5,337 |
| Average earning assets | $33,368,000 | 5,328 |
| Average equity | $5,418,000 | 5,148 |
| Average total loans | $19,080,000 | 5,275 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3101% | 2,289 |
| Cost of funding earning assets | 0.6468% | 1,315 |
| Net interest margin | 3.6633% | 2,941 |
| Noninterest income to average assets | 0.4182% | 3,516 |
| Noninterest expense to average assets | 2.5522% | 3,598 |
| Loan and lease loss provision to assets | 0.0536% | 3,164 |
| Net operating income to assets | 1.0967% | 1,864 |
| Return on assets (ROA) | 1.1018% | 1,872 |
| Pretax return on assets | 1.1581% | 2,954 |
| Return on Equity (ROE) | 7.4823% | 3,042 |
| Retained earnings to average equity (ytd only) | 1.2015% | 4,542 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7618% | 3,121 |
| Assets per employee ($millions) | 3.6571% | 4,496 |
| Cash dividends to net income (ytd only)* | 83.9416% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2362% | 2,559 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2023% | 4,125 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 55.0518% | 4,268 |
| Net loans and leases to deposits | 69.1499% | 3,940 |
| Net loans and leases to core deposits | 72.7637% | 3,988 |
| Total domestic deposits to total assets | 79.6123% | 4,413 |
| Equity capital to assets | 14.7631% | 726 |
| Core capital (leverage) ratio | 11.9808% | 1,612 |
| Tier 1 risk-based capital ratio | 19.7448% | 1,368 |
| Total risk-based capital ratio | 20.8933% | 1,360 |
| Memoranda: | ||
| Average total assets | $37,301,800 | 5,371 |
| Average earning assets | $34,013,000 | 5,364 |
| Average equity | $5,493,000 | 5,186 |
| Average total loans | $20,024,800 | 5,315 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4232% | 1,887 |
| Cost of funding earning assets | 0.6464% | 1,264 |
| Net interest margin | 3.7769% | 2,480 |
| Noninterest income to average assets | 0.4339% | 3,444 |
| Noninterest expense to average assets | 2.4507% | 3,883 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3664% | 1,167 |
| Return on assets (ROA) | 1.3765% | 1,158 |
| Pretax return on assets | 1.4441% | 1,963 |
| Return on Equity (ROE) | 9.3536% | 2,417 |
| Retained earnings to average equity (ytd only) | 6.3323% | 2,039 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9963% | 3,883 |
| Assets per employee ($millions) | 3.5797% | 4,607 |
| Cash dividends to net income (ytd only)* | 32.2991% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1152% | 3,412 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3855% | 3,482 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 57.4657% | 4,113 |
| Net loans and leases to deposits | 75.8993% | 3,384 |
| Net loans and leases to core deposits | 80.1676% | 3,441 |
| Total domestic deposits to total assets | 75.7130% | 5,050 |
| Equity capital to assets | 15.7276% | 595 |
| Core capital (leverage) ratio | 12.6195% | 1,372 |
| Tier 1 risk-based capital ratio | 20.1334% | 1,335 |
| Total risk-based capital ratio | 21.1650% | 1,339 |
| Memoranda: | ||
| Average total assets | $37,484,500 | 5,431 |
| Average earning assets | $34,242,750 | 5,421 |
| Average equity | $5,516,500 | 5,238 |
| Average total loans | $19,934,750 | 5,371 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2676% | 2,230 |
| Cost of funding earning assets | 0.6318% | 1,252 |
| Net interest margin | 3.6358% | 2,890 |
| Noninterest income to average assets | 0.3785% | 3,845 |
| Noninterest expense to average assets | 2.4286% | 3,970 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2153% | 1,554 |
| Return on assets (ROA) | 1.2353% | 1,515 |
| Pretax return on assets | 1.2984% | 2,390 |
| Return on Equity (ROE) | 8.5787% | 2,740 |
| Retained earnings to average equity (ytd only) | 6.7535% | 1,715 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3972% | 3,607 |
| Assets per employee ($millions) | 3.7438% | 4,363 |
| Cash dividends to net income (ytd only)* | 21.2766% | 3,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1505% | 3,309 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3686% | 3,641 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 53.2454% | 4,466 |
| Net loans and leases to deposits | 68.0016% | 4,072 |
| Net loans and leases to core deposits | 70.0471% | 4,220 |
| Total domestic deposits to total assets | 78.3001% | 4,772 |
| Equity capital to assets | 14.8539% | 725 |
| Core capital (leverage) ratio | 11.8892% | 1,701 |
| Tier 1 risk-based capital ratio | 20.5015% | 1,271 |
| Total risk-based capital ratio | 21.5708% | 1,278 |
| Memoranda: | ||
| Average total assets | $38,047,000 | 5,462 |
| Average earning assets | $34,820,330 | 5,457 |
| Average equity | $5,478,670 | 5,279 |
| Average total loans | $19,645,330 | 5,423 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7307% | 886 |
| Cost of funding earning assets | 0.6042% | 1,345 |
| Net interest margin | 4.1265% | 1,154 |
| Noninterest income to average assets | 0.3755% | 3,835 |
| Noninterest expense to average assets | 2.4614% | 3,931 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6067% | 668 |
| Return on assets (ROA) | 1.6166% | 672 |
| Pretax return on assets | 1.7001% | 1,004 |
| Return on Equity (ROE) | 11.4023% | 1,436 |
| Retained earnings to average equity (ytd only) | 11.4023% | 545 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2915% | 4,683 |
| Assets per employee ($millions) | 3.8680% | 4,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2293% | 2,944 |
| Loan loss allowance to noncurrent loans | 7,733.3333% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.6075% | 2,817 |
| Noncurrent loans to loans | 0.0159% | 5,175 |
| Net loans and leases to total assets | 48.1929% | 4,806 |
| Net loans and leases to deposits | 60.9462% | 4,501 |
| Net loans and leases to core deposits | 63.3401% | 4,574 |
| Total domestic deposits to total assets | 79.0745% | 4,809 |
| Equity capital to assets | 14.2890% | 820 |
| Core capital (leverage) ratio | 11.8105% | 1,745 |
| Tier 1 risk-based capital ratio | 21.2863% | 1,176 |
| Total risk-based capital ratio | 22.4049% | 1,179 |
| Memoranda: | ||
| Average total assets | $38,351,500 | 5,517 |
| Average earning assets | $35,090,000 | 5,511 |
| Average equity | $5,437,500 | 5,332 |
| Average total loans | $19,385,000 | 5,484 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9260% | 3,475 |
| Cost of funding earning assets | 0.4669% | 2,385 |
| Net interest margin | 3.4591% | 3,586 |
| Noninterest income to average assets | 0.4899% | 3,305 |
| Noninterest expense to average assets | 2.5646% | 3,793 |
| Loan and lease loss provision to assets | 0.0535% | 3,314 |
| Net operating income to assets | 0.9753% | 2,457 |
| Return on assets (ROA) | 0.9905% | 2,497 |
| Pretax return on assets | 1.0414% | 3,323 |
| Return on Equity (ROE) | 6.7511% | 3,620 |
| Retained earnings to average equity (ytd only) | 0.8211% | 4,997 |
| Net charge-offs to loans | -0.0339% | 5,288 |
| Credit loss provision to net charge-offs | -285.7143% | 5,063 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2138% | 3,039 |
| Assets per employee ($millions) | 3.8023% | 4,308 |
| Cash dividends to net income (ytd only)* | 87.8378% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1660% | 3,330 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6102% | 2,900 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 51.7187% | 4,633 |
| Net loans and leases to deposits | 65.3040% | 4,307 |
| Net loans and leases to core deposits | 67.9087% | 4,405 |
| Total domestic deposits to total assets | 79.1968% | 4,751 |
| Equity capital to assets | 14.0652% | 869 |
| Core capital (leverage) ratio | 11.3290% | 2,060 |
| Tier 1 risk-based capital ratio | 20.0943% | 1,358 |
| Total risk-based capital ratio | 21.1878% | 1,354 |
| Memoranda: | ||
| Average total assets | $37,354,400 | 5,587 |
| Average earning assets | $34,054,800 | 5,585 |
| Average equity | $5,480,600 | 5,376 |
| Average total loans | $20,626,400 | 5,499 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9665% | 3,339 |
| Cost of funding earning assets | 0.4096% | 2,929 |
| Net interest margin | 3.5568% | 3,244 |
| Noninterest income to average assets | 0.5055% | 3,210 |
| Noninterest expense to average assets | 2.5098% | 3,957 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1735% | 1,724 |
| Return on assets (ROA) | 1.1939% | 1,756 |
| Pretax return on assets | 1.2549% | 2,598 |
| Return on Equity (ROE) | 8.0524% | 2,976 |
| Retained earnings to average equity (ytd only) | 4.6912% | 3,027 |
| Net charge-offs to loans | -0.0448% | 5,330 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9004% | 3,608 |
| Assets per employee ($millions) | 3.6599% | 4,555 |
| Cash dividends to net income (ytd only)* | 41.7419% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0207% | 4,292 |
| Loan loss allowance to noncurrent loans | 225.5319% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 0.8088% | 2,518 |
| Noncurrent loans to loans | 0.4526% | 3,654 |
| Net loans and leases to total assets | 56.1709% | 4,294 |
| Net loans and leases to deposits | 72.3720% | 3,767 |
| Net loans and leases to core deposits | 75.7703% | 3,867 |
| Total domestic deposits to total assets | 77.6141% | 4,979 |
| Equity capital to assets | 15.3501% | 660 |
| Core capital (leverage) ratio | 12.2770% | 1,490 |
| Tier 1 risk-based capital ratio | 18.4599% | 1,797 |
| Total risk-based capital ratio | 19.3471% | 1,854 |
| Memoranda: | ||
| Average total assets | $37,187,250 | 5,653 |
| Average earning assets | $33,849,500 | 5,647 |
| Average equity | $5,513,750 | 5,422 |
| Average total loans | $20,808,750 | 5,549 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8372% | 3,817 |
| Cost of funding earning assets | 0.4048% | 2,983 |
| Net interest margin | 3.4324% | 3,752 |
| Noninterest income to average assets | 0.5243% | 3,040 |
| Noninterest expense to average assets | 2.5145% | 3,997 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0823% | 2,027 |
| Return on assets (ROA) | 1.1128% | 2,032 |
| Pretax return on assets | 1.1716% | 2,895 |
| Return on Equity (ROE) | 7.5926% | 3,209 |
| Retained earnings to average equity (ytd only) | 5.1104% | 2,660 |
| Net charge-offs to loans | -0.0672% | 5,477 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6428% | 3,417 |
| Assets per employee ($millions) | 3.7575% | 4,351 |
| Cash dividends to net income (ytd only)* | 32.6923% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0195% | 4,408 |
| Loan loss allowance to noncurrent loans | 225.5319% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.7878% | 2,628 |
| Noncurrent loans to loans | 0.4520% | 3,749 |
| Net loans and leases to total assets | 54.7784% | 4,432 |
| Net loans and leases to deposits | 70.0483% | 3,976 |
| Net loans and leases to core deposits | 71.9358% | 4,184 |
| Total domestic deposits to total assets | 78.2009% | 4,960 |
| Equity capital to assets | 14.8982% | 753 |
| Core capital (leverage) ratio | 12.0046% | 1,622 |
| Tier 1 risk-based capital ratio | 17.7710% | 1,997 |
| Total risk-based capital ratio | 18.6365% | 2,068 |
| Memoranda: | ||
| Average total assets | $37,383,330 | 5,713 |
| Average earning assets | $34,087,330 | 5,707 |
| Average equity | $5,479,000 | 5,479 |
| Average total loans | $20,821,670 | 5,604 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7820% | 4,006 |
| Cost of funding earning assets | 0.4124% | 2,928 |
| Net interest margin | 3.3696% | 3,981 |
| Noninterest income to average assets | 0.5364% | 2,889 |
| Noninterest expense to average assets | 2.5639% | 3,872 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9869% | 2,339 |
| Return on assets (ROA) | 0.9869% | 2,453 |
| Pretax return on assets | 1.0406% | 3,323 |
| Return on Equity (ROE) | 6.7903% | 3,564 |
| Retained earnings to average equity (ytd only) | 6.7903% | 1,981 |
| Net charge-offs to loans | -0.1152% | 5,693 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9405% | 3,144 |
| Assets per employee ($millions) | 3.7523% | 4,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0258% | 4,469 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5383% | 3,458 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 54.2547% | 4,429 |
| Net loans and leases to deposits | 69.2025% | 3,932 |
| Net loans and leases to core deposits | 73.6355% | 3,928 |
| Total domestic deposits to total assets | 78.3999% | 5,076 |
| Equity capital to assets | 14.6470% | 790 |
| Core capital (leverage) ratio | 11.8969% | 1,681 |
| Tier 1 risk-based capital ratio | 17.5368% | 2,110 |
| Total risk-based capital ratio | 18.3967% | 2,199 |
| Memoranda: | ||
| Average total assets | $37,287,500 | 5,770 |
| Average earning assets | $33,950,500 | 5,762 |
| Average equity | $5,419,500 | 5,524 |
| Average total loans | $20,835,000 | 5,653 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8937% | 3,726 |
| Cost of funding earning assets | 0.4541% | 2,588 |
| Net interest margin | 3.4397% | 3,759 |
| Noninterest income to average assets | 0.5297% | 3,141 |
| Noninterest expense to average assets | 2.5915% | 3,957 |
| Loan and lease loss provision to assets | 0.0865% | 2,564 |
| Net operating income to assets | 0.9365% | 2,677 |
| Return on assets (ROA) | 0.9647% | 2,626 |
| Pretax return on assets | 1.0134% | 3,408 |
| Return on Equity (ROE) | 6.7435% | 3,657 |
| Retained earnings to average equity (ytd only) | 2.0967% | 4,530 |
| Net charge-offs to loans | 0.0049% | 4,276 |
| Credit loss provision to net charge-offs | 3,200.0000% | 121 |
| Earnings coverage of net charge-offs (x) | 396.0000% | 165 |
| Efficiency ratio | 69.5941% | 3,289 |
| Assets per employee ($millions) | 3.7052% | 4,466 |
| Cash dividends to net income (ytd only)* | 68.9076% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9715% | 4,756 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5452% | 3,470 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 56.3964% | 4,263 |
| Net loans and leases to deposits | 71.8273% | 3,736 |
| Net loans and leases to core deposits | 76.9282% | 3,672 |
| Total domestic deposits to total assets | 78.5167% | 5,060 |
| Equity capital to assets | 14.4203% | 790 |
| Core capital (leverage) ratio | 11.5234% | 1,945 |
| Tier 1 risk-based capital ratio | 15.3841% | 2,999 |
| Total risk-based capital ratio | 16.1357% | 3,162 |
| Memoranda: | ||
| Average total assets | $37,005,400 | 5,826 |
| Average earning assets | $33,695,200 | 5,822 |
| Average equity | $5,294,000 | 5,583 |
| Average total loans | $20,401,000 | 5,703 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9216% | 3,676 |
| Cost of funding earning assets | 0.4590% | 2,598 |
| Net interest margin | 3.4626% | 3,707 |
| Noninterest income to average assets | 0.5586% | 2,994 |
| Noninterest expense to average assets | 2.5157% | 4,145 |
| Loan and lease loss provision to assets | 0.0433% | 3,355 |
| Net operating income to assets | 1.0976% | 2,020 |
| Return on assets (ROA) | 1.1353% | 1,953 |
| Pretax return on assets | 1.1930% | 2,849 |
| Return on Equity (ROE) | 7.9517% | 3,100 |
| Retained earnings to average equity (ytd only) | 5.1244% | 2,827 |
| Net charge-offs to loans | 0.0066% | 3,942 |
| Credit loss provision to net charge-offs | 1,200.0000% | 316 |
| Earnings coverage of net charge-offs (x) | 332.8271% | 222 |
| Efficiency ratio | 66.6019% | 3,783 |
| Assets per employee ($millions) | 3.5445% | 4,710 |
| Cash dividends to net income (ytd only)* | 35.5556% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8717% | 5,294 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7815% | 2,938 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 59.3539% | 3,957 |
| Net loans and leases to deposits | 78.7380% | 3,014 |
| Net loans and leases to core deposits | 81.5268% | 3,304 |
| Total domestic deposits to total assets | 75.3816% | 5,589 |
| Equity capital to assets | 15.4408% | 655 |
| Core capital (leverage) ratio | 12.0706% | 1,640 |
| Tier 1 risk-based capital ratio | 17.4937% | 2,190 |
| Total risk-based capital ratio | 18.2449% | 2,327 |
| Memoranda: | ||
| Average total assets | $36,993,750 | 5,905 |
| Average earning assets | $33,692,750 | 5,897 |
| Average equity | $5,281,750 | 5,656 |
| Average total loans | $20,226,000 | 5,781 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8805% | 3,770 |
| Cost of funding earning assets | 0.4552% | 2,664 |
| Net interest margin | 3.4254% | 3,810 |
| Noninterest income to average assets | 0.5812% | 2,844 |
| Noninterest expense to average assets | 2.4953% | 4,253 |
| Loan and lease loss provision to assets | 0.0640% | 2,840 |
| Net operating income to assets | 1.0954% | 1,972 |
| Return on assets (ROA) | 1.1410% | 1,883 |
| Pretax return on assets | 1.1997% | 2,777 |
| Return on Equity (ROE) | 8.2024% | 2,941 |
| Retained earnings to average equity (ytd only) | 6.4776% | 1,960 |
| Net charge-offs to loans | 0.0101% | 3,557 |
| Credit loss provision to net charge-offs | 1,200.0000% | 295 |
| Earnings coverage of net charge-offs (x) | 228.0000% | 306 |
| Efficiency ratio | 66.0920% | 3,991 |
| Assets per employee ($millions) | 3.7537% | 4,321 |
| Cash dividends to net income (ytd only)* | 21.0280% | 3,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8911% | 5,326 |
| Loan loss allowance to noncurrent loans | 3,700.0000% | 174 |
| Noncurrent assets plus other real estate owned to assets | 1.0416% | 2,424 |
| Noncurrent loans to loans | 0.0241% | 5,662 |
| Net loans and leases to total assets | 54.8179% | 4,475 |
| Net loans and leases to deposits | 71.2599% | 3,790 |
| Net loans and leases to core deposits | 75.7538% | 3,793 |
| Total domestic deposits to total assets | 76.9268% | 5,463 |
| Equity capital to assets | 14.3672% | 858 |
| Core capital (leverage) ratio | 11.6446% | 1,890 |
| Tier 1 risk-based capital ratio | 19.1657% | 1,760 |
| Total risk-based capital ratio | 19.9955% | 1,827 |
| Memoranda: | ||
| Average total assets | $37,510,000 | 5,957 |
| Average earning assets | $34,273,670 | 5,950 |
| Average equity | $5,218,000 | 5,722 |
| Average total loans | $19,893,670 | 5,852 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6768% | 4,446 |
| Cost of funding earning assets | 0.4552% | 2,719 |
| Net interest margin | 3.2216% | 4,521 |
| Noninterest income to average assets | 0.4054% | 3,961 |
| Noninterest expense to average assets | 2.4962% | 4,272 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8129% | 3,200 |
| Return on assets (ROA) | 0.8534% | 3,111 |
| Pretax return on assets | 0.8961% | 3,910 |
| Return on Equity (ROE) | 6.2372% | 3,911 |
| Retained earnings to average equity (ytd only) | 5.4576% | 2,803 |
| Net charge-offs to loans | 0.0206% | 2,741 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 80.0000% | 595 |
| Efficiency ratio | 73.2484% | 2,952 |
| Assets per employee ($millions) | 3.8213% | 4,303 |
| Cash dividends to net income (ytd only)* | 12.5000% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9117% | 5,407 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2692% | 2,102 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 49.2058% | 4,922 |
| Net loans and leases to deposits | 63.3268% | 4,449 |
| Net loans and leases to core deposits | 67.3677% | 4,394 |
| Total domestic deposits to total assets | 77.7013% | 5,505 |
| Equity capital to assets | 13.7126% | 1,087 |
| Core capital (leverage) ratio | 11.2940% | 2,161 |
| Tier 1 risk-based capital ratio | 17.8810% | 2,178 |
| Total risk-based capital ratio | 18.6268% | 2,305 |
| Memoranda: | ||
| Average total assets | $37,496,500 | 6,019 |
| Average earning assets | $34,269,000 | 6,009 |
| Average equity | $5,130,500 | 5,800 |
| Average total loans | $19,459,500 | 5,922 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6177% | 5,037 |
| Cost of funding earning assets | 0.5715% | 2,033 |
| Net interest margin | 3.0462% | 5,329 |
| Noninterest income to average assets | 0.5114% | 3,413 |
| Noninterest expense to average assets | 2.6059% | 4,195 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6278% | 4,244 |
| Return on assets (ROA) | 0.6278% | 4,352 |
| Pretax return on assets | 0.6603% | 4,756 |
| Return on Equity (ROE) | 4.6884% | 4,804 |
| Retained earnings to average equity (ytd only) | -0.3435% | 5,824 |
| Net charge-offs to loans | -0.2505% | 6,304 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4590% | 2,142 |
| Assets per employee ($millions) | 3.6780% | 4,573 |
| Cash dividends to net income (ytd only)* | 107.3276% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8725% | 5,556 |
| Loan loss allowance to noncurrent loans | 159.6330% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 1.2915% | 2,184 |
| Noncurrent loans to loans | 0.5466% | 4,023 |
| Net loans and leases to total assets | 53.7493% | 4,607 |
| Net loans and leases to deposits | 69.5700% | 3,968 |
| Net loans and leases to core deposits | 73.3952% | 3,976 |
| Total domestic deposits to total assets | 77.2594% | 5,561 |
| Equity capital to assets | 13.6514% | 1,098 |
| Core capital (leverage) ratio | 11.2743% | 2,163 |
| Tier 1 risk-based capital ratio | 17.6888% | 2,243 |
| Total risk-based capital ratio | 18.4467% | 2,383 |
| Memoranda: | ||
| Average total assets | $36,954,600 | 6,107 |
| Average earning assets | $33,418,600 | 6,107 |
| Average equity | $4,948,400 | 5,864 |
| Average total loans | $20,360,200 | 5,945 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5214% | 5,344 |
| Cost of funding earning assets | 0.5982% | 1,850 |
| Net interest margin | 2.9232% | 5,653 |
| Noninterest income to average assets | 0.4649% | 3,771 |
| Noninterest expense to average assets | 2.5622% | 4,313 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5196% | 4,806 |
| Return on assets (ROA) | 0.5369% | 4,797 |
| Pretax return on assets | 0.5622% | 5,146 |
| Return on Equity (ROE) | 4.0294% | 5,157 |
| Retained earnings to average equity (ytd only) | 0.5949% | 5,629 |
| Net charge-offs to loans | -0.2671% | 6,367 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0905% | 1,744 |
| Assets per employee ($millions) | 3.6614% | 4,556 |
| Cash dividends to net income (ytd only)* | 85.2361% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8318% | 5,786 |
| Loan loss allowance to noncurrent loans | 150.4587% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 1.2099% | 2,532 |
| Noncurrent loans to loans | 0.5528% | 4,264 |
| Net loans and leases to total assets | 53.4031% | 4,647 |
| Net loans and leases to deposits | 69.6158% | 3,964 |
| Net loans and leases to core deposits | 73.4744% | 3,997 |
| Total domestic deposits to total assets | 76.7111% | 5,727 |
| Equity capital to assets | 13.5658% | 1,154 |
| Core capital (leverage) ratio | 11.3682% | 2,165 |
| Tier 1 risk-based capital ratio | 17.7175% | 2,309 |
| Total risk-based capital ratio | 18.4267% | 2,496 |
| Memoranda: | ||
| Average total assets | $36,998,250 | 6,178 |
| Average earning assets | $33,432,500 | 6,179 |
| Average equity | $4,930,250 | 5,930 |
| Average total loans | $20,464,500 | 6,005 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5307% | 5,341 |
| Cost of funding earning assets | 0.6094% | 1,819 |
| Net interest margin | 2.9214% | 5,698 |
| Noninterest income to average assets | 0.4363% | 3,980 |
| Noninterest expense to average assets | 2.5588% | 4,385 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4862% | 4,862 |
| Return on assets (ROA) | 0.5118% | 4,857 |
| Pretax return on assets | 0.5387% | 5,161 |
| Return on Equity (ROE) | 3.8634% | 5,200 |
| Retained earnings to average equity (ytd only) | 1.3420% | 5,207 |
| Net charge-offs to loans | -0.2414% | 6,387 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9298% | 1,755 |
| Assets per employee ($millions) | 3.5862% | 4,690 |
| Cash dividends to net income (ytd only)* | 65.2632% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7392% | 6,115 |
| Loan loss allowance to noncurrent loans | 68.5185% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 1.5755% | 2,072 |
| Noncurrent loans to loans | 1.0788% | 3,073 |
| Net loans and leases to total assets | 55.4180% | 4,358 |
| Net loans and leases to deposits | 73.1495% | 3,435 |
| Net loans and leases to core deposits | 75.8694% | 3,636 |
| Total domestic deposits to total assets | 75.7599% | 5,941 |
| Equity capital to assets | 13.8308% | 1,040 |
| Core capital (leverage) ratio | 11.4055% | 2,082 |
| Tier 1 risk-based capital ratio | 18.1324% | 2,193 |
| Total risk-based capital ratio | 18.7865% | 2,376 |
| Memoranda: | ||
| Average total assets | $37,126,330 | 6,235 |
| Average earning assets | $33,477,330 | 6,238 |
| Average equity | $4,918,000 | 5,974 |
| Average total loans | $20,713,670 | 6,044 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2729% | 5,897 |
| Cost of funding earning assets | 0.6475% | 1,602 |
| Net interest margin | 2.6253% | 6,198 |
| Noninterest income to average assets | 0.5297% | 3,193 |
| Noninterest expense to average assets | 2.4895% | 4,658 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3814% | 5,185 |
| Return on assets (ROA) | 0.3814% | 5,259 |
| Pretax return on assets | 0.4026% | 5,449 |
| Return on Equity (ROE) | 2.9406% | 5,483 |
| Retained earnings to average equity (ytd only) | 2.9406% | 4,336 |
| Net charge-offs to loans | -0.2469% | 6,437 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6154% | 1,601 |
| Assets per employee ($millions) | 3.7452% | 4,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6955% | 6,291 |
| Loan loss allowance to noncurrent loans | 127.1028% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 1.4365% | 2,469 |
| Noncurrent loans to loans | 0.5472% | 4,523 |
| Net loans and leases to total assets | 51.8477% | 4,691 |
| Net loans and leases to deposits | 67.3464% | 3,929 |
| Net loans and leases to core deposits | 69.8715% | 4,109 |
| Total domestic deposits to total assets | 76.9865% | 5,967 |
| Equity capital to assets | 12.9659% | 1,323 |
| Core capital (leverage) ratio | 11.3430% | 2,100 |
| Tier 1 risk-based capital ratio | 16.9749% | 2,705 |
| Total risk-based capital ratio | 17.5375% | 2,981 |
| Memoranda: | ||
| Average total assets | $37,758,500 | 6,290 |
| Average earning assets | $33,976,500 | 6,287 |
| Average equity | $4,897,000 | 6,021 |
| Average total loans | $21,059,500 | 6,094 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8356% | 4,669 |
| Cost of funding earning assets | 0.3712% | 4,935 |
| Net interest margin | 3.4644% | 4,041 |
| Noninterest income to average assets | 0.3802% | 4,592 |
| Noninterest expense to average assets | 2.5671% | 4,558 |
| Loan and lease loss provision to assets | 0.1531% | 2,362 |
| Net operating income to assets | 0.7698% | 3,444 |
| Return on assets (ROA) | 0.3828% | 5,318 |
| Pretax return on assets | 0.4006% | 5,495 |
| Return on Equity (ROE) | 2.8556% | 5,558 |
| Retained earnings to average equity (ytd only) | -1.0090% | 6,064 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6872% | 3,540 |
| Assets per employee ($millions) | 3.8065% | 4,247 |
| Cash dividends to net income (ytd only)* | 135.3333% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5451% | 6,531 |
| Loan loss allowance to noncurrent loans | 95.3488% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 1.9624% | 1,835 |
| Noncurrent loans to loans | 0.5717% | 4,558 |
| Net loans and leases to total assets | 58.9570% | 3,880 |
| Net loans and leases to deposits | 78.1135% | 2,709 |
| Net loans and leases to core deposits | 81.0502% | 3,002 |
| Total domestic deposits to total assets | 75.4762% | 6,144 |
| Equity capital to assets | 12.9725% | 1,284 |
| Core capital (leverage) ratio | 10.9485% | 2,439 |
| Tier 1 risk-based capital ratio | 16.3402% | 2,940 |
| Total risk-based capital ratio | 16.8349% | 3,274 |
| Memoranda: | ||
| Average total assets | $39,187,600 | 6,309 |
| Average earning assets | $35,562,000 | 6,301 |
| Average equity | $5,252,800 | 6,005 |
| Average total loans | $23,615,600 | 6,050 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8390% | 4,704 |
| Cost of funding earning assets | 0.3153% | 5,597 |
| Net interest margin | 3.5237% | 3,783 |
| Noninterest income to average assets | 0.3851% | 4,637 |
| Noninterest expense to average assets | 2.4863% | 4,768 |
| Loan and lease loss provision to assets | 0.1926% | 1,897 |
| Net operating income to assets | 0.8685% | 3,000 |
| Return on assets (ROA) | 0.3615% | 5,532 |
| Pretax return on assets | 0.3817% | 5,677 |
| Return on Equity (ROE) | 2.6758% | 5,721 |
| Retained earnings to average equity (ytd only) | -2.4008% | 6,303 |
| Net charge-offs to loans | -0.1284% | 6,561 |
| Credit loss provision to net charge-offs | -247.8261% | 5,936 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0451% | 4,096 |
| Assets per employee ($millions) | 3.7349% | 4,381 |
| Cash dividends to net income (ytd only)* | 189.7238% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6392% | 6,516 |
| Loan loss allowance to noncurrent loans | 56.5217% | 4,957 |
| Noncurrent assets plus other real estate owned to assets | 2.1286% | 1,873 |
| Noncurrent loans to loans | 1.1308% | 3,543 |
| Net loans and leases to total assets | 59.5197% | 3,773 |
| Net loans and leases to deposits | 79.5605% | 2,473 |
| Net loans and leases to core deposits | 82.8488% | 2,783 |
| Total domestic deposits to total assets | 74.8106% | 6,297 |
| Equity capital to assets | 13.3792% | 1,171 |
| Core capital (leverage) ratio | 10.7930% | 2,679 |
| Tier 1 risk-based capital ratio | 16.7137% | 2,856 |
| Total risk-based capital ratio | 17.2980% | 3,128 |
| Memoranda: | ||
| Average total assets | $39,468,250 | 6,373 |
| Average earning assets | $35,946,500 | 6,359 |
| Average equity | $5,331,500 | 6,056 |
| Average total loans | $23,878,250 | 6,098 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7871% | 4,871 |
| Cost of funding earning assets | 0.3165% | 5,702 |
| Net interest margin | 3.4706% | 3,922 |
| Noninterest income to average assets | 0.3485% | 4,901 |
| Noninterest expense to average assets | 2.4344% | 4,947 |
| Loan and lease loss provision to assets | 0.2340% | 1,592 |
| Net operating income to assets | 0.8065% | 3,255 |
| Return on assets (ROA) | 0.8065% | 3,410 |
| Pretax return on assets | 0.8463% | 4,129 |
| Return on Equity (ROE) | 5.9526% | 4,204 |
| Retained earnings to average equity (ytd only) | 0.9921% | 5,507 |
| Net charge-offs to loans | -0.0328% | 6,123 |
| Credit loss provision to net charge-offs | -1,175.0000% | 6,051 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1303% | 4,160 |
| Assets per employee ($millions) | 4.0538% | 3,684 |
| Cash dividends to net income (ytd only)* | 83.3333% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5124% | 6,698 |
| Loan loss allowance to noncurrent loans | 41.7582% | 5,550 |
| Noncurrent assets plus other real estate owned to assets | 2.4619% | 1,722 |
| Noncurrent loans to loans | 1.2271% | 3,504 |
| Net loans and leases to total assets | 54.6006% | 4,507 |
| Net loans and leases to deposits | 71.2139% | 3,557 |
| Net loans and leases to core deposits | 73.8391% | 3,839 |
| Total domestic deposits to total assets | 76.6713% | 6,176 |
| Equity capital to assets | 12.9187% | 1,373 |
| Core capital (leverage) ratio | 10.7136% | 2,655 |
| Tier 1 risk-based capital ratio | 16.8354% | 2,772 |
| Total risk-based capital ratio | 17.2916% | 3,114 |
| Memoranda: | ||
| Average total assets | $40,174,670 | 6,395 |
| Average earning assets | $36,650,670 | 6,377 |
| Average equity | $5,443,000 | 6,062 |
| Average total loans | $24,380,000 | 6,099 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5601% | 5,561 |
| Cost of funding earning assets | 0.3505% | 5,527 |
| Net interest margin | 3.2096% | 4,897 |
| Noninterest income to average assets | 0.5401% | 3,496 |
| Noninterest expense to average assets | 2.4404% | 4,980 |
| Loan and lease loss provision to assets | 0.1500% | 2,370 |
| Net operating income to assets | 0.8401% | 2,948 |
| Return on assets (ROA) | 0.8401% | 3,092 |
| Pretax return on assets | 0.8802% | 3,836 |
| Return on Equity (ROE) | 6.0584% | 4,011 |
| Retained earnings to average equity (ytd only) | 6.0584% | 2,647 |
| Net charge-offs to loans | -0.1258% | 6,533 |
| Credit loss provision to net charge-offs | -187.5000% | 5,243 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1643% | 4,123 |
| Assets per employee ($millions) | 4.0492% | 3,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3562% | 6,874 |
| Loan loss allowance to noncurrent loans | 28.6667% | 6,072 |
| Noncurrent assets plus other real estate owned to assets | 2.8821% | 1,565 |
| Noncurrent loans to loans | 1.2426% | 3,700 |
| Net loans and leases to total assets | 59.4093% | 3,536 |
| Net loans and leases to deposits | 78.4733% | 2,277 |
| Net loans and leases to core deposits | 81.4050% | 2,642 |
| Total domestic deposits to total assets | 75.7063% | 6,392 |
| Equity capital to assets | 13.7978% | 1,094 |
| Core capital (leverage) ratio | 10.8691% | 2,379 |
| Tier 1 risk-based capital ratio | 16.2046% | 3,156 |
| Total risk-based capital ratio | 16.5317% | 3,619 |
| Memoranda: | ||
| Average total assets | $39,993,000 | 6,458 |
| Average earning assets | $36,515,500 | 6,447 |
| Average equity | $5,546,000 | 6,088 |
| Average total loans | $25,446,000 | 6,099 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3689% | 6,514 |
| Cost of funding earning assets | 0.5841% | 4,499 |
| Net interest margin | 2.7847% | 6,399 |
| Noninterest income to average assets | 0.6777% | 2,843 |
| Noninterest expense to average assets | 2.3271% | 5,616 |
| Loan and lease loss provision to assets | 0.1482% | 3,752 |
| Net operating income to assets | 0.7016% | 3,731 |
| Return on assets (ROA) | 0.7870% | 3,593 |
| Pretax return on assets | 0.8283% | 4,186 |
| Return on Equity (ROE) | 5.9876% | 4,175 |
| Retained earnings to average equity (ytd only) | 1.3675% | 5,193 |
| Net charge-offs to loans | -0.0081% | 6,437 |
| Credit loss provision to net charge-offs | -3,050.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3530% | 3,551 |
| Assets per employee ($millions) | 3.9494% | 4,044 |
| Cash dividends to net income (ytd only)* | 77.1605% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2355% | 6,961 |
| Loan loss allowance to noncurrent loans | 38.6503% | 5,686 |
| Noncurrent assets plus other real estate owned to assets | 2.7928% | 1,719 |
| Noncurrent loans to loans | 0.6093% | 4,992 |
| Net loans and leases to total assets | 67.5723% | 2,266 |
| Net loans and leases to deposits | 90.3113% | 1,051 |
| Net loans and leases to core deposits | 93.7933% | 1,483 |
| Total domestic deposits to total assets | 74.8215% | 6,460 |
| Equity capital to assets | 13.9388% | 1,073 |
| Core capital (leverage) ratio | 10.6137% | 2,644 |
| Tier 1 risk-based capital ratio | 15.0308% | 3,703 |
| Total risk-based capital ratio | 15.2577% | 4,342 |
| Memoranda: | ||
| Average total assets | $41,167,600 | 6,465 |
| Average earning assets | $37,490,400 | 6,454 |
| Average equity | $5,411,200 | 6,177 |
| Average total loans | $24,590,600 | 6,214 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3186% | 6,716 |
| Cost of funding earning assets | 0.6249% | 4,412 |
| Net interest margin | 2.6938% | 6,654 |
| Noninterest income to average assets | 0.6669% | 2,894 |
| Noninterest expense to average assets | 2.1513% | 6,064 |
| Loan and lease loss provision to assets | 0.1475% | 3,695 |
| Net operating income to assets | 0.7690% | 3,605 |
| Return on assets (ROA) | 0.8817% | 3,311 |
| Pretax return on assets | 0.9330% | 3,986 |
| Return on Equity (ROE) | 6.8054% | 3,906 |
| Retained earnings to average equity (ytd only) | 4.1823% | 3,955 |
| Net charge-offs to loans | -0.0111% | 6,379 |
| Credit loss provision to net charge-offs | -2,300.0000% | 6,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9712% | 4,072 |
| Assets per employee ($millions) | 4.0456% | 3,777 |
| Cash dividends to net income (ytd only)* | 38.5452% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1858% | 7,081 |
| Loan loss allowance to noncurrent loans | 26.2295% | 6,296 |
| Noncurrent assets plus other real estate owned to assets | 2.9439% | 1,779 |
| Noncurrent loans to loans | 0.7085% | 5,022 |
| Net loans and leases to total assets | 63.7285% | 3,072 |
| Net loans and leases to deposits | 83.0686% | 1,992 |
| Net loans and leases to core deposits | 88.2522% | 2,187 |
| Total domestic deposits to total assets | 76.7179% | 6,277 |
| Equity capital to assets | 13.8694% | 1,210 |
| Core capital (leverage) ratio | 10.5968% | 2,801 |
| Tier 1 risk-based capital ratio | 14.2943% | 4,336 |
| Total risk-based capital ratio | 14.4552% | 5,057 |
| Memoranda: | ||
| Average total assets | $41,586,000 | 6,529 |
| Average earning assets | $37,765,500 | 6,519 |
| Average equity | $5,387,750 | 6,248 |
| Average total loans | $24,050,750 | 6,326 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9798% | 6,980 |
| Cost of funding earning assets | 0.6284% | 4,646 |
| Net interest margin | 2.3513% | 6,986 |
| Noninterest income to average assets | 0.5576% | 3,540 |
| Noninterest expense to average assets | 2.0256% | 6,381 |
| Loan and lease loss provision to assets | 0.1478% | 3,667 |
| Net operating income to assets | 0.4962% | 4,832 |
| Return on assets (ROA) | 0.6530% | 4,356 |
| Pretax return on assets | 0.6911% | 4,853 |
| Return on Equity (ROE) | 5.1568% | 4,731 |
| Retained earnings to average equity (ytd only) | 3.8394% | 4,057 |
| Net charge-offs to loans | 0.1364% | 3,839 |
| Credit loss provision to net charge-offs | 193.7500% | 1,460 |
| Earnings coverage of net charge-offs (x) | 8.8125% | 2,243 |
| Efficiency ratio | 74.0283% | 3,072 |
| Assets per employee ($millions) | 4.6873% | 2,588 |
| Cash dividends to net income (ytd only)* | 25.5474% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0568% | 7,178 |
| Loan loss allowance to noncurrent loans | 8.4270% | 6,706 |
| Noncurrent assets plus other real estate owned to assets | 2.7497% | 2,005 |
| Noncurrent loans to loans | 0.6737% | 5,156 |
| Net loans and leases to total assets | 62.5942% | 3,314 |
| Net loans and leases to deposits | 80.8363% | 2,261 |
| Net loans and leases to core deposits | 85.5920% | 2,477 |
| Total domestic deposits to total assets | 77.4333% | 6,259 |
| Equity capital to assets | 12.9830% | 1,532 |
| Core capital (leverage) ratio | 10.0718% | 3,324 |
| Tier 1 risk-based capital ratio | 14.9377% | 3,809 |
| Total risk-based capital ratio | 14.9911% | 4,607 |
| Memoranda: | ||
| Average total assets | $41,962,670 | 6,548 |
| Average earning assets | $38,191,000 | 6,547 |
| Average equity | $5,313,330 | 6,298 |
| Average total loans | $23,457,670 | 6,396 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3400% | 7,203 |
| Cost of funding earning assets | 0.5561% | 5,456 |
| Net interest margin | 1.7838% | 7,205 |
| Noninterest income to average assets | 0.3250% | 5,268 |
| Noninterest expense to average assets | 1.6917% | 6,909 |
| Loan and lease loss provision to assets | 0.1529% | 3,462 |
| Net operating income to assets | 0.0979% | 6,241 |
| Return on assets (ROA) | 0.3441% | 5,671 |
| Pretax return on assets | 0.3728% | 5,804 |
| Return on Equity (ROE) | 2.7526% | 5,806 |
| Retained earnings to average equity (ytd only) | 2.7526% | 4,880 |
| Net charge-offs to loans | 0.2912% | 2,505 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 1.6875% | 3,488 |
| Efficiency ratio | 86.7647% | 1,405 |
| Assets per employee ($millions) | 5.2936% | 1,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,247 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,802 |
| Noncurrent assets plus other real estate owned to assets | 2.5644% | 2,305 |
| Noncurrent loans to loans | 0.4614% | 5,757 |
| Net loans and leases to total assets | 53.7415% | 4,763 |
| Net loans and leases to deposits | 69.0692% | 3,861 |
| Net loans and leases to core deposits | 73.0814% | 4,008 |
| Total domestic deposits to total assets | 77.8082% | 6,294 |
| Equity capital to assets | 12.5646% | 1,679 |
| Core capital (leverage) ratio | 10.1558% | 3,168 |
| Tier 1 risk-based capital ratio | 16.4808% | 2,917 |
| Total risk-based capital ratio | 16.4808% | 3,566 |
| Memoranda: | ||
| Average total assets | $41,851,000 | 6,611 |
| Average earning assets | $38,120,000 | 6,598 |
| Average equity | $5,231,500 | 6,353 |
| Average total loans | $21,976,000 | 6,516 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9021% | 3,342 |
| Cost of funding earning assets | 1.8145% | 204 |
| Net interest margin | 3.0877% | 6,371 |
| Noninterest income to average assets | 1.0812% | 1,140 |
| Noninterest expense to average assets | 3.1051% | 3,179 |
| Loan and lease loss provision to assets | 0.1130% | 5,178 |
| Net operating income to assets | 0.6568% | 3,710 |
| Return on assets (ROA) | 0.6547% | 3,917 |
| Pretax return on assets | 0.6590% | 4,478 |
| Return on Equity (ROE) | 6.0670% | 3,843 |
| Retained earnings to average equity (ytd only) | -1.7588% | 6,121 |
| Net charge-offs to loans | 1.2729% | 1,302 |
| Credit loss provision to net charge-offs | 15.1429% | 5,968 |
| Earnings coverage of net charge-offs (x) | 1.0371% | 5,013 |
| Efficiency ratio | 77.0753% | 2,732 |
| Assets per employee ($millions) | 4.5948% | 2,765 |
| Cash dividends to net income (ytd only)* | 128.9902% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3306% | 4,751 |
| Loan loss allowance to noncurrent loans | 268.5714% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 3.0252% | 1,985 |
| Noncurrent loans to loans | 0.4954% | 5,718 |
| Net loans and leases to total assets | 50.5671% | 5,518 |
| Net loans and leases to deposits | 66.0632% | 4,721 |
| Net loans and leases to core deposits | 69.8104% | 4,801 |
| Total domestic deposits to total assets | 76.5434% | 6,398 |
| Equity capital to assets | 12.4344% | 1,834 |
| Core capital (leverage) ratio | 9.8102% | 3,584 |
| Tier 1 risk-based capital ratio | 15.9979% | 3,050 |
| Total risk-based capital ratio | 17.1386% | 3,065 |
| Memoranda: | ||
| Average total assets | $46,890,200 | 6,459 |
| Average earning assets | $42,491,800 | 6,444 |
| Average equity | $5,060,200 | 6,426 |
| Average total loans | $27,495,400 | 6,267 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0298% | 2,938 |
| Cost of funding earning assets | 1.8759% | 193 |
| Net interest margin | 3.1539% | 6,275 |
| Noninterest income to average assets | 1.2926% | 779 |
| Noninterest expense to average assets | 3.2397% | 2,695 |
| Loan and lease loss provision to assets | 0.0690% | 5,593 |
| Net operating income to assets | 0.8369% | 2,997 |
| Return on assets (ROA) | 0.8341% | 3,168 |
| Pretax return on assets | 0.8369% | 3,992 |
| Return on Equity (ROE) | 7.9897% | 3,041 |
| Retained earnings to average equity (ytd only) | 0.0530% | 5,938 |
| Net charge-offs to loans | 1.4722% | 993 |
| Credit loss provision to net charge-offs | 7.7882% | 5,682 |
| Earnings coverage of net charge-offs (x) | 1.0249% | 4,866 |
| Efficiency ratio | 75.4328% | 2,933 |
| Assets per employee ($millions) | 4.5028% | 2,913 |
| Cash dividends to net income (ytd only)* | 99.3369% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3276% | 4,889 |
| Loan loss allowance to noncurrent loans | 58.8358% | 4,520 |
| Noncurrent assets plus other real estate owned to assets | 3.8544% | 1,601 |
| Noncurrent loans to loans | 2.2564% | 3,049 |
| Net loans and leases to total assets | 51.9038% | 5,460 |
| Net loans and leases to deposits | 69.4650% | 4,390 |
| Net loans and leases to core deposits | 75.2666% | 4,284 |
| Total domestic deposits to total assets | 74.7193% | 6,678 |
| Equity capital to assets | 12.9722% | 1,626 |
| Core capital (leverage) ratio | 9.4180% | 4,277 |
| Tier 1 risk-based capital ratio | 16.3033% | 2,969 |
| Total risk-based capital ratio | 17.4479% | 2,979 |
| Memoranda: | ||
| Average total assets | $48,274,500 | 6,471 |
| Average earning assets | $43,711,750 | 6,454 |
| Average equity | $5,039,750 | 6,484 |
| Average total loans | $29,071,000 | 6,260 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9779% | 3,266 |
| Cost of funding earning assets | 1.8819% | 225 |
| Net interest margin | 3.0960% | 6,418 |
| Noninterest income to average assets | 0.5584% | 3,415 |
| Noninterest expense to average assets | 3.0792% | 3,336 |
| Loan and lease loss provision to assets | 0.0983% | 5,090 |
| Net operating income to assets | 0.1888% | 5,775 |
| Return on assets (ROA) | 0.1848% | 5,896 |
| Pretax return on assets | 0.1848% | 5,960 |
| Return on Equity (ROE) | 1.8924% | 5,825 |
| Retained earnings to average equity (ytd only) | 1.8924% | 5,035 |
| Net charge-offs to loans | 1.8701% | 728 |
| Credit loss provision to net charge-offs | 8.4459% | 5,266 |
| Earnings coverage of net charge-offs (x) | 0.2466% | 5,124 |
| Efficiency ratio | 87.9673% | 1,417 |
| Assets per employee ($millions) | 3.5690% | 4,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0493% | 6,146 |
| Loan loss allowance to noncurrent loans | 56.4103% | 4,650 |
| Noncurrent assets plus other real estate owned to assets | 2.9780% | 2,251 |
| Noncurrent loans to loans | 1.8601% | 3,666 |
| Net loans and leases to total assets | 58.1315% | 4,601 |
| Net loans and leases to deposits | 74.7318% | 3,689 |
| Net loans and leases to core deposits | 79.4779% | 3,862 |
| Total domestic deposits to total assets | 77.7869% | 6,332 |
| Equity capital to assets | 10.2250% | 3,852 |
| Core capital (leverage) ratio | 7.7395% | 6,555 |
| Tier 1 risk-based capital ratio | 12.3938% | 5,445 |
| Total risk-based capital ratio | 13.3884% | 5,651 |
| Memoranda: | ||
| Average total assets | $50,857,670 | 6,454 |
| Average earning assets | $46,123,670 | 6,437 |
| Average equity | $4,967,330 | 6,545 |
| Average total loans | $31,655,670 | 6,218 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9233% | 3,461 |
| Cost of funding earning assets | 1.9366% | 214 |
| Net interest margin | 2.9867% | 6,599 |
| Noninterest income to average assets | 0.4522% | 4,261 |
| Noninterest expense to average assets | 3.0017% | 3,641 |
| Loan and lease loss provision to assets | 0.0390% | 5,508 |
| Net operating income to assets | 0.1170% | 6,048 |
| Return on assets (ROA) | 0.0936% | 6,161 |
| Pretax return on assets | 0.0936% | 6,185 |
| Return on Equity (ROE) | 0.9803% | 6,141 |
| Retained earnings to average equity (ytd only) | 0.9803% | 5,438 |
| Net charge-offs to loans | 0.9388% | 1,426 |
| Credit loss provision to net charge-offs | 6.4935% | 4,415 |
| Earnings coverage of net charge-offs (x) | 0.2597% | 4,417 |
| Efficiency ratio | 91.3580% | 1,216 |
| Assets per employee ($millions) | 3.6279% | 4,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6229% | 3,644 |
| Loan loss allowance to noncurrent loans | 32.7943% | 6,114 |
| Noncurrent assets plus other real estate owned to assets | 5.1250% | 1,223 |
| Noncurrent loans to loans | 4.9486% | 1,368 |
| Net loans and leases to total assets | 60.5119% | 4,172 |
| Net loans and leases to deposits | 78.0150% | 3,056 |
| Net loans and leases to core deposits | 82.8924% | 3,327 |
| Total domestic deposits to total assets | 77.5645% | 6,437 |
| Equity capital to assets | 9.6732% | 4,215 |
| Core capital (leverage) ratio | 7.4002% | 6,792 |
| Tier 1 risk-based capital ratio | 11.1965% | 6,354 |
| Total risk-based capital ratio | 12.3906% | 6,371 |
| Memoranda: | ||
| Average total assets | $51,303,500 | 6,485 |
| Average earning assets | $46,472,500 | 6,473 |
| Average equity | $4,896,500 | 6,595 |
| Average total loans | $32,806,500 | 6,193 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6726% | 1,672 |
| Cost of funding earning assets | 2.3299% | 193 |
| Net interest margin | 3.3428% | 5,824 |
| Noninterest income to average assets | 0.5375% | 3,904 |
| Noninterest expense to average assets | 6.1635% | 212 |
| Loan and lease loss provision to assets | 0.4482% | 3,439 |
| Net operating income to assets | -3.1100% | 7,317 |
| Return on assets (ROA) | -3.2211% | 7,352 |
| Pretax return on assets | -3.2211% | 7,331 |
| Return on Equity (ROE) | -29.5771% | 7,222 |
| Retained earnings to average equity (ytd only) | -31.3838% | 7,240 |
| Net charge-offs to loans | 0.8879% | 2,412 |
| Credit loss provision to net charge-offs | 75.4601% | 5,718 |
| Earnings coverage of net charge-offs (x) | -4.4816% | 6,768 |
| Efficiency ratio | 100.8325% | 752 |
| Assets per employee ($millions) | 3.7012% | 4,458 |
| Cash dividends to net income (ytd only)* | -6.1086% | 7,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6845% | 3,272 |
| Loan loss allowance to noncurrent loans | 63.9779% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 4.1241% | 1,637 |
| Noncurrent loans to loans | 2.6330% | 2,890 |
| Net loans and leases to total assets | 65.2160% | 3,620 |
| Net loans and leases to deposits | 85.5454% | 2,172 |
| Net loans and leases to core deposits | 91.5651% | 2,550 |
| Total domestic deposits to total assets | 76.2356% | 6,609 |
| Equity capital to assets | 9.4178% | 4,522 |
| Core capital (leverage) ratio | 7.4426% | 6,750 |
| Tier 1 risk-based capital ratio | 10.6401% | 6,611 |
| Total risk-based capital ratio | 11.8824% | 6,583 |
| Memoranda: | ||
| Average total assets | $54,887,600 | 6,374 |
| Average earning assets | $48,672,400 | 6,415 |
| Average equity | $5,977,600 | 6,373 |
| Average total loans | $36,714,200 | 6,080 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7200% | 1,646 |
| Cost of funding earning assets | 2.4220% | 186 |
| Net interest margin | 3.2980% | 6,026 |
| Noninterest income to average assets | 0.5175% | 4,045 |
| Noninterest expense to average assets | 6.7461% | 163 |
| Loan and lease loss provision to assets | 0.5893% | 2,579 |
| Net operating income to assets | -3.9049% | 7,561 |
| Return on assets (ROA) | -4.0510% | 7,585 |
| Pretax return on assets | -4.0510% | 7,565 |
| Return on Equity (ROE) | -36.0622% | 7,460 |
| Retained earnings to average equity (ytd only) | -38.3655% | 7,472 |
| Net charge-offs to loans | 1.2547% | 1,622 |
| Credit loss provision to net charge-offs | 70.0855% | 5,416 |
| Earnings coverage of net charge-offs (x) | -3.9430% | 6,576 |
| Efficiency ratio | 96.7877% | 875 |
| Assets per employee ($millions) | 3.5772% | 4,785 |
| Cash dividends to net income (ytd only)* | -6.3869% | 7,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5186% | 3,878 |
| Loan loss allowance to noncurrent loans | 65.3302% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 4.6804% | 1,416 |
| Noncurrent loans to loans | 2.3245% | 3,311 |
| Net loans and leases to total assets | 71.7378% | 2,309 |
| Net loans and leases to deposits | 95.2390% | 1,079 |
| Net loans and leases to core deposits | 102.3270% | 1,625 |
| Total domestic deposits to total assets | 75.3240% | 6,768 |
| Equity capital to assets | 9.9619% | 4,204 |
| Core capital (leverage) ratio | 7.1965% | 7,061 |
| Tier 1 risk-based capital ratio | 10.6385% | 6,679 |
| Total risk-based capital ratio | 11.8932% | 6,667 |
| Memoranda: | ||
| Average total assets | $55,655,250 | 6,427 |
| Average earning assets | $49,159,250 | 6,468 |
| Average equity | $6,252,000 | 6,377 |
| Average total loans | $37,299,750 | 6,125 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4970% | 2,526 |
| Cost of funding earning assets | 2.4536% | 202 |
| Net interest margin | 3.0433% | 6,740 |
| Noninterest income to average assets | 0.7094% | 2,653 |
| Noninterest expense to average assets | 3.4253% | 2,205 |
| Loan and lease loss provision to assets | 0.5807% | 2,452 |
| Net operating income to assets | -0.6225% | 6,756 |
| Return on assets (ROA) | -0.6746% | 6,811 |
| Pretax return on assets | -0.6746% | 6,707 |
| Return on Equity (ROE) | -5.8145% | 6,762 |
| Retained earnings to average equity (ytd only) | -9.0514% | 6,870 |
| Net charge-offs to loans | 1.3574% | 1,403 |
| Credit loss provision to net charge-offs | 65.4902% | 5,085 |
| Earnings coverage of net charge-offs (x) | -0.0471% | 5,757 |
| Efficiency ratio | 98.0473% | 877 |
| Assets per employee ($millions) | 3.5180% | 4,878 |
| Cash dividends to net income (ytd only)* | -55.6701% | 7,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5458% | 3,683 |
| Loan loss allowance to noncurrent loans | 70.4069% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 3.9422% | 1,760 |
| Noncurrent loans to loans | 2.1956% | 3,488 |
| Net loans and leases to total assets | 64.6088% | 4,132 |
| Net loans and leases to deposits | 90.4045% | 1,791 |
| Net loans and leases to core deposits | 96.9063% | 2,337 |
| Total domestic deposits to total assets | 71.4664% | 7,223 |
| Equity capital to assets | 11.4589% | 2,478 |
| Core capital (leverage) ratio | 7.2198% | 7,057 |
| Tier 1 risk-based capital ratio | 10.6335% | 6,580 |
| Total risk-based capital ratio | 11.8864% | 6,578 |
| Memoranda: | ||
| Average total assets | $57,513,330 | 6,414 |
| Average earning assets | $50,537,000 | 6,459 |
| Average equity | $6,673,000 | 6,245 |
| Average total loans | $37,572,670 | 6,159 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6541% | 1,946 |
| Cost of funding earning assets | 2.4545% | 254 |
| Net interest margin | 3.1995% | 6,297 |
| Noninterest income to average assets | 0.7776% | 2,134 |
| Noninterest expense to average assets | 2.8352% | 4,344 |
| Loan and lease loss provision to assets | 0.2890% | 3,710 |
| Net operating income to assets | 0.4426% | 4,650 |
| Return on assets (ROA) | 0.3303% | 5,294 |
| Pretax return on assets | 0.3441% | 5,479 |
| Return on Equity (ROE) | 2.8300% | 5,419 |
| Retained earnings to average equity (ytd only) | -3.5375% | 6,434 |
| Net charge-offs to loans | 1.9425% | 886 |
| Credit loss provision to net charge-offs | 22.8261% | 4,916 |
| Earnings coverage of net charge-offs (x) | 0.5924% | 4,498 |
| Efficiency ratio | 76.1996% | 3,182 |
| Assets per employee ($millions) | 3.8444% | 4,217 |
| Cash dividends to net income (ytd only)* | 225.0000% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4075% | 4,387 |
| Loan loss allowance to noncurrent loans | 53.8542% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 3.1891% | 2,250 |
| Noncurrent loans to loans | 2.6135% | 3,053 |
| Net loans and leases to total assets | 62.8013% | 4,587 |
| Net loans and leases to deposits | 89.9908% | 1,904 |
| Net loans and leases to core deposits | 93.4725% | 2,907 |
| Total domestic deposits to total assets | 69.7864% | 7,423 |
| Equity capital to assets | 11.7868% | 2,173 |
| Core capital (leverage) ratio | 7.3678% | 6,970 |
| Tier 1 risk-based capital ratio | 10.8451% | 6,300 |
| Total risk-based capital ratio | 12.0958% | 6,280 |
| Memoranda: | ||
| Average total assets | $58,126,000 | 6,466 |
| Average earning assets | $51,007,500 | 6,511 |
| Average equity | $6,784,500 | 6,260 |
| Average total loans | $37,890,000 | 6,216 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0354% | 1,727 |
| Cost of funding earning assets | 2.8883% | 320 |
| Net interest margin | 3.1471% | 6,235 |
| Noninterest income to average assets | 1.0243% | 1,490 |
| Noninterest expense to average assets | 2.7706% | 5,086 |
| Loan and lease loss provision to assets | 0.5700% | 3,529 |
| Net operating income to assets | 0.4424% | 3,962 |
| Return on assets (ROA) | 0.3767% | 4,325 |
| Pretax return on assets | 0.3882% | 4,527 |
| Return on Equity (ROE) | 3.3963% | 4,334 |
| Retained earnings to average equity (ytd only) | -5.1391% | 6,040 |
| Net charge-offs to loans | 0.5017% | 3,768 |
| Credit loss provision to net charge-offs | 176.0204% | 2,388 |
| Earnings coverage of net charge-offs (x) | 3.1684% | 3,472 |
| Efficiency ratio | 70.3220% | 4,557 |
| Assets per employee ($millions) | 4.1847% | 3,466 |
| Cash dividends to net income (ytd only)* | 251.3158% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6877% | 2,936 |
| Loan loss allowance to noncurrent loans | 33.1990% | 6,230 |
| Noncurrent assets plus other real estate owned to assets | 5.1736% | 1,161 |
| Noncurrent loans to loans | 5.0835% | 1,321 |
| Net loans and leases to total assets | 65.5259% | 4,271 |
| Net loans and leases to deposits | 96.2468% | 1,304 |
| Net loans and leases to core deposits | 109.1217% | 2,988 |
| Total domestic deposits to total assets | 68.0811% | 7,543 |
| Equity capital to assets | 11.5591% | 2,275 |
| Core capital (leverage) ratio | 7.4239% | 6,860 |
| Tier 1 risk-based capital ratio | 10.0371% | 6,840 |
| Total risk-based capital ratio | 11.2921% | 6,804 |
| Memoranda: | ||
| Average total assets | $60,528,600 | 6,327 |
| Average earning assets | $53,318,400 | 6,404 |
| Average equity | $6,713,200 | 6,363 |
| Average total loans | $39,070,800 | 6,154 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1220% | 1,572 |
| Cost of funding earning assets | 2.9681% | 362 |
| Net interest margin | 3.1539% | 6,161 |
| Noninterest income to average assets | 0.9921% | 1,636 |
| Noninterest expense to average assets | 2.6266% | 5,612 |
| Loan and lease loss provision to assets | 0.3912% | 3,971 |
| Net operating income to assets | 0.7175% | 3,146 |
| Return on assets (ROA) | 0.6490% | 3,473 |
| Pretax return on assets | 0.6840% | 3,911 |
| Return on Equity (ROE) | 5.9116% | 3,562 |
| Retained earnings to average equity (ytd only) | -3.3439% | 5,995 |
| Net charge-offs to loans | 0.5971% | 2,886 |
| Credit loss provision to net charge-offs | 102.2857% | 4,973 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,735 |
| Efficiency ratio | 66.9369% | 5,201 |
| Assets per employee ($millions) | 4.2044% | 3,373 |
| Cash dividends to net income (ytd only)* | 156.5646% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3228% | 4,369 |
| Loan loss allowance to noncurrent loans | 40.3454% | 5,647 |
| Noncurrent assets plus other real estate owned to assets | 3.9432% | 1,638 |
| Noncurrent loans to loans | 3.2788% | 2,306 |
| Net loans and leases to total assets | 65.1399% | 4,617 |
| Net loans and leases to deposits | 96.7182% | 1,485 |
| Net loans and leases to core deposits | 108.6299% | 3,391 |
| Total domestic deposits to total assets | 67.3502% | 7,617 |
| Equity capital to assets | 11.8143% | 2,347 |
| Core capital (leverage) ratio | 7.4682% | 7,015 |
| Tier 1 risk-based capital ratio | 10.7127% | 6,234 |
| Total risk-based capital ratio | 11.9785% | 6,188 |
| Memoranda: | ||
| Average total assets | $61,014,250 | 6,354 |
| Average earning assets | $53,815,500 | 6,430 |
| Average equity | $6,698,500 | 6,422 |
| Average total loans | $39,076,500 | 6,197 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1419% | 1,643 |
| Cost of funding earning assets | 3.0104% | 462 |
| Net interest margin | 3.1315% | 6,149 |
| Noninterest income to average assets | 0.9525% | 1,748 |
| Noninterest expense to average assets | 2.5011% | 6,121 |
| Loan and lease loss provision to assets | 0.5022% | 3,023 |
| Net operating income to assets | 0.6779% | 3,354 |
| Return on assets (ROA) | 0.5702% | 3,915 |
| Pretax return on assets | 0.5994% | 4,324 |
| Return on Equity (ROE) | 5.3226% | 3,949 |
| Retained earnings to average equity (ytd only) | -5.3831% | 6,354 |
| Net charge-offs to loans | 0.9195% | 1,873 |
| Credit loss provision to net charge-offs | 86.1111% | 5,028 |
| Earnings coverage of net charge-offs (x) | 2.0833% | 4,037 |
| Efficiency ratio | 64.6905% | 5,775 |
| Assets per employee ($millions) | 3.9043% | 3,864 |
| Cash dividends to net income (ytd only)* | 201.1364% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3022% | 4,258 |
| Loan loss allowance to noncurrent loans | 62.9053% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 4.8745% | 1,114 |
| Noncurrent loans to loans | 2.0700% | 3,424 |
| Net loans and leases to total assets | 58.8477% | 5,856 |
| Net loans and leases to deposits | 89.3276% | 2,932 |
| Net loans and leases to core deposits | 100.3248% | 4,475 |
| Total domestic deposits to total assets | 65.8785% | 7,748 |
| Equity capital to assets | 10.7847% | 3,131 |
| Core capital (leverage) ratio | 7.3089% | 7,231 |
| Tier 1 risk-based capital ratio | 10.4151% | 6,461 |
| Total risk-based capital ratio | 11.5827% | 6,494 |
| Memoranda: | ||
| Average total assets | $61,732,000 | 6,386 |
| Average earning assets | $54,478,670 | 6,448 |
| Average equity | $6,613,330 | 6,494 |
| Average total loans | $39,150,000 | 6,240 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1282% | 1,837 |
| Cost of funding earning assets | 3.0312% | 565 |
| Net interest margin | 3.0970% | 6,208 |
| Noninterest income to average assets | 0.9256% | 1,753 |
| Noninterest expense to average assets | 2.5227% | 5,752 |
| Loan and lease loss provision to assets | 0.8148% | 1,586 |
| Net operating income to assets | 0.3194% | 5,219 |
| Return on assets (ROA) | -0.9713% | 7,260 |
| Pretax return on assets | -0.9387% | 7,122 |
| Return on Equity (ROE) | -9.0972% | 7,306 |
| Retained earnings to average equity (ytd only) | -16.2406% | 7,499 |
| Net charge-offs to loans | 1.7256% | 839 |
| Credit loss provision to net charge-offs | 72.2543% | 4,314 |
| Earnings coverage of net charge-offs (x) | 1.0347% | 4,248 |
| Efficiency ratio | 65.7244% | 5,381 |
| Assets per employee ($millions) | 4.3169% | 3,040 |
| Cash dividends to net income (ytd only)* | -78.5235% | 8,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1605% | 5,047 |
| Loan loss allowance to noncurrent loans | 54.0984% | 4,947 |
| Noncurrent assets plus other real estate owned to assets | 1.6215% | 3,487 |
| Noncurrent loans to loans | 2.1451% | 3,059 |
| Net loans and leases to total assets | 65.1091% | 4,790 |
| Net loans and leases to deposits | 102.1044% | 1,170 |
| Net loans and leases to core deposits | 114.5894% | 2,945 |
| Total domestic deposits to total assets | 63.7672% | 7,856 |
| Equity capital to assets | 10.8113% | 3,173 |
| Core capital (leverage) ratio | 7.1332% | 7,533 |
| Tier 1 risk-based capital ratio | 10.3953% | 6,498 |
| Total risk-based capital ratio | 11.5326% | 6,536 |
| Memoranda: | ||
| Average total assets | $61,364,000 | 6,425 |
| Average earning assets | $54,763,500 | 6,470 |
| Average equity | $6,551,500 | 6,570 |
| Average total loans | $40,102,000 | 6,236 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6260% | 2,371 |
| Cost of funding earning assets | 3.4473% | 612 |
| Net interest margin | 3.1787% | 6,436 |
| Noninterest income to average assets | 0.8033% | 2,499 |
| Noninterest expense to average assets | 2.4763% | 6,099 |
| Loan and lease loss provision to assets | 0.4106% | 3,232 |
| Net operating income to assets | 0.7262% | 3,773 |
| Return on assets (ROA) | 0.8260% | 3,167 |
| Pretax return on assets | 0.8712% | 3,822 |
| Return on Equity (ROE) | 7.6470% | 3,218 |
| Retained earnings to average equity (ytd only) | -2.2297% | 5,933 |
| Net charge-offs to loans | 0.5892% | 2,060 |
| Credit loss provision to net charge-offs | 105.8333% | 5,061 |
| Earnings coverage of net charge-offs (x) | 3.0333% | 4,565 |
| Efficiency ratio | 65.0442% | 5,316 |
| Assets per employee ($millions) | 4.4494% | 2,699 |
| Cash dividends to net income (ytd only)* | 129.1585% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2626% | 4,032 |
| Loan loss allowance to noncurrent loans | 63.4328% | 4,832 |
| Noncurrent assets plus other real estate owned to assets | 1.8574% | 2,657 |
| Noncurrent loans to loans | 1.9905% | 2,775 |
| Net loans and leases to total assets | 64.0253% | 5,267 |
| Net loans and leases to deposits | 102.2484% | 1,561 |
| Net loans and leases to core deposits | 117.6321% | 2,932 |
| Total domestic deposits to total assets | 62.6174% | 7,855 |
| Equity capital to assets | 10.5457% | 3,445 |
| Core capital (leverage) ratio | 6.9797% | 7,710 |
| Tier 1 risk-based capital ratio | 9.0905% | 7,726 |
| Total risk-based capital ratio | 10.2285% | 7,796 |
| Memoranda: | ||
| Average total assets | $61,866,400 | 6,322 |
| Average earning assets | $55,463,600 | 6,353 |
| Average equity | $6,682,400 | 6,574 |
| Average total loans | $40,731,600 | 6,136 |