Home > First State Bank > Performance and Condition Ratios
First State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1178% | 1,824 |
| Cost of funding earning assets | 1.6484% | 1,575 |
| Net interest margin | 3.4695% | 2,258 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 1.9444% | 3,748 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.2587% | 1,526 |
| Return on assets (ROA) | 1.2587% | 1,495 |
| Pretax return on assets | 1.6669% | 1,125 |
| Return on Equity (ROE) | 11.8400% | 1,997 |
| Retained earnings to average equity (ytd only) | 3.3943% | 3,164 |
| 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 | 53.5040% | 3,710 |
| Assets per employee ($millions) | 8.1179% | 1,378 |
| Cash dividends to net income (ytd only)* | 71.3359% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0424% | 3,102 |
| 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 | 71.4800% | 1,641 |
| Net loans and leases to deposits | 88.8020% | 1,362 |
| Net loans and leases to core deposits | 97.4434% | 1,571 |
| Total domestic deposits to total assets | 80.5000% | 3,379 |
| Equity capital to assets | 10.2675% | 1,862 |
| Core capital (leverage) ratio | 10.6415% | 2,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2912% | 1,209 |
| Memoranda: | ||
| Average total assets | $61,253,000 | 4,198 |
| Average earning assets | $58,481,600 | 4,157 |
| Average equity | $6,511,000 | 4,112 |
| Average total loans | $44,108,600 | 3,932 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0073% | 1,813 |
| Cost of funding earning assets | 1.5320% | 1,530 |
| Net interest margin | 3.4753% | 2,268 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 1.9404% | 3,734 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.2752% | 1,594 |
| Return on assets (ROA) | 1.2752% | 1,586 |
| Pretax return on assets | 1.6906% | 1,179 |
| Return on Equity (ROE) | 11.8900% | 2,154 |
| Retained earnings to average equity (ytd only) | 4.1616% | 3,215 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 52.9873% | 3,677 |
| Assets per employee ($millions) | 7.9545% | 1,369 |
| Cash dividends to net income (ytd only)* | 64.9913% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0694% | 3,021 |
| 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 | 71.0900% | 1,682 |
| Net loans and leases to deposits | 89.9006% | 1,243 |
| Net loans and leases to core deposits | 98.0876% | 1,437 |
| Total domestic deposits to total assets | 79.0700% | 3,681 |
| Equity capital to assets | 10.2489% | 1,670 |
| Core capital (leverage) ratio | 11.1192% | 1,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $60,330,500 | 4,227 |
| Average earning assets | $57,700,750 | 4,186 |
| Average equity | $6,471,750 | 4,113 |
| Average total loans | $43,407,750 | 3,956 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9328% | 1,685 |
| Cost of funding earning assets | 1.4134% | 1,408 |
| Net interest margin | 3.5194% | 2,221 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 1.9416% | 3,733 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.3203% | 1,510 |
| Return on assets (ROA) | 1.3203% | 1,495 |
| Pretax return on assets | 1.7525% | 1,108 |
| Return on Equity (ROE) | 12.1100% | 2,122 |
| Retained earnings to average equity (ytd only) | 4.3687% | 3,110 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 51.9892% | 3,773 |
| Assets per employee ($millions) | 7.5571% | 1,572 |
| Cash dividends to net income (ytd only)* | 63.9386% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1335% | 2,780 |
| 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 | 70.2600% | 1,711 |
| Net loans and leases to deposits | 84.7506% | 1,605 |
| Net loans and leases to core deposits | 91.6954% | 1,703 |
| Total domestic deposits to total assets | 82.9000% | 3,068 |
| Equity capital to assets | 10.7696% | 1,474 |
| Core capital (leverage) ratio | 11.2228% | 1,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $59,228,667 | 4,254 |
| Average earning assets | $56,884,000 | 4,221 |
| Average equity | $6,455,000 | 4,142 |
| Average total loans | $42,634,667 | 3,980 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7900% | 1,647 |
| Cost of funding earning assets | 1.2825% | 1,267 |
| Net interest margin | 3.5075% | 2,339 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 1.9517% | 3,742 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.3307% | 1,587 |
| Return on assets (ROA) | 1.3307% | 1,560 |
| Pretax return on assets | 1.7675% | 1,133 |
| Return on Equity (ROE) | 12.1400% | 2,181 |
| Retained earnings to average equity (ytd only) | 4.3566% | 3,167 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 51.9056% | 3,788 |
| Assets per employee ($millions) | 7.4233% | 1,666 |
| Cash dividends to net income (ytd only)* | 64.1026% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1253% | 2,935 |
| 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 | 71.1700% | 1,504 |
| Net loans and leases to deposits | 86.1227% | 1,342 |
| Net loans and leases to core deposits | 93.9240% | 1,397 |
| Total domestic deposits to total assets | 82.6300% | 3,372 |
| Equity capital to assets | 10.9285% | 1,369 |
| Core capital (leverage) ratio | 11.3345% | 1,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $58,614,500 | 4,322 |
| Average earning assets | $56,451,000 | 4,278 |
| Average equity | $6,427,000 | 4,200 |
| Average total loans | $42,470,000 | 4,028 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0488% | 1,592 |
| Cost of funding earning assets | 0.5724% | 1,005 |
| Net interest margin | 3.4764% | 2,004 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 1.8893% | 3,849 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.3952% | 1,146 |
| Return on assets (ROA) | 1.3952% | 1,099 |
| Pretax return on assets | 1.8541% | 645 |
| Return on Equity (ROE) | 13.2300% | 1,729 |
| Retained earnings to average equity (ytd only) | 4.4958% | 3,238 |
| Net charge-offs to loans | -0.0943% | 4,509 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 49.9336% | 4,132 |
| Assets per employee ($millions) | 7.2304% | 1,799 |
| Cash dividends to net income (ytd only)* | 66.0264% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1257% | 2,754 |
| 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 | 72.1300% | 1,400 |
| Net loans and leases to deposits | 86.5814% | 1,270 |
| Net loans and leases to core deposits | 93.8394% | 1,304 |
| Total domestic deposits to total assets | 83.3100% | 3,353 |
| Equity capital to assets | 11.0022% | 1,258 |
| Core capital (leverage) ratio | 11.2115% | 1,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $59,704,400 | 4,338 |
| Average earning assets | $57,127,800 | 4,299 |
| Average equity | $6,294,800 | 4,295 |
| Average total loans | $41,377,200 | 4,043 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8276% | 1,668 |
| Cost of funding earning assets | 0.4822% | 831 |
| Net interest margin | 3.3454% | 2,157 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 1.8791% | 3,799 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.2985% | 1,357 |
| Return on assets (ROA) | 1.2985% | 1,322 |
| Pretax return on assets | 1.7240% | 860 |
| Return on Equity (ROE) | 12.4500% | 1,892 |
| Retained earnings to average equity (ytd only) | 4.4815% | 3,294 |
| Net charge-offs to loans | -0.1263% | 4,546 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.5815% | 4,040 |
| Assets per employee ($millions) | 7.4091% | 1,670 |
| Cash dividends to net income (ytd only)* | 63.9932% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0966% | 3,028 |
| 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 | 71.3600% | 1,355 |
| Net loans and leases to deposits | 86.0453% | 1,167 |
| Net loans and leases to core deposits | 96.8517% | 960 |
| Total domestic deposits to total assets | 82.9400% | 3,701 |
| Equity capital to assets | 10.5107% | 1,364 |
| Core capital (leverage) ratio | 10.9706% | 1,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $60,169,750 | 4,370 |
| Average earning assets | $57,510,250 | 4,324 |
| Average equity | $6,277,500 | 4,337 |
| Average total loans | $41,172,500 | 4,065 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5465% | 2,002 |
| Cost of funding earning assets | 0.4740% | 606 |
| Net interest margin | 3.0725% | 2,642 |
| Noninterest income to average assets | 0.4498% | 2,451 |
| Noninterest expense to average assets | 1.8919% | 3,721 |
| Loan and lease loss provision to assets | 0.0397% | 1,869 |
| Net operating income to assets | 1.0948% | 1,794 |
| Return on assets (ROA) | 1.0948% | 1,777 |
| Pretax return on assets | 1.4553% | 1,296 |
| Return on Equity (ROE) | 10.5191% | 2,162 |
| Retained earnings to average equity (ytd only) | 2.5742% | 3,594 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8594% | 3,789 |
| Assets per employee ($millions) | 7.6415% | 1,522 |
| Cash dividends to net income (ytd only)* | 75.5287% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0357% | 3,444 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6265% | 883 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 66.2763% | 1,660 |
| Net loans and leases to deposits | 79.6415% | 1,410 |
| Net loans and leases to core deposits | 89.2698% | 1,161 |
| Total domestic deposits to total assets | 83.2183% | 3,833 |
| Equity capital to assets | 10.2303% | 1,572 |
| Core capital (leverage) ratio | 10.5209% | 1,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $60,468,667 | 4,411 |
| Average earning assets | $57,803,667 | 4,379 |
| Average equity | $6,293,333 | 4,384 |
| Average total loans | $40,640,667 | 4,127 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4553% | 1,936 |
| Cost of funding earning assets | 0.4486% | 663 |
| Net interest margin | 3.0068% | 2,475 |
| Noninterest income to average assets | 0.4456% | 2,410 |
| Noninterest expense to average assets | 1.8824% | 3,720 |
| Loan and lease loss provision to assets | 0.0399% | 1,640 |
| Net operating income to assets | 1.0376% | 1,734 |
| Return on assets (ROA) | 1.0376% | 1,730 |
| Pretax return on assets | 1.3769% | 1,306 |
| Return on Equity (ROE) | 9.8844% | 2,002 |
| Retained earnings to average equity (ytd only) | 1.9642% | 3,555 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0565% | 3,778 |
| Assets per employee ($millions) | 7.6256% | 1,609 |
| Cash dividends to net income (ytd only)* | 80.1282% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0081% | 3,689 |
| Loan loss allowance to noncurrent loans | 109.1384% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 0.6278% | 955 |
| Noncurrent loans to loans | 0.9237% | 990 |
| Net loans and leases to total assets | 67.2846% | 1,282 |
| Net loans and leases to deposits | 80.9669% | 1,079 |
| Net loans and leases to core deposits | 88.6659% | 987 |
| Total domestic deposits to total assets | 83.1014% | 3,928 |
| Equity capital to assets | 10.2680% | 1,709 |
| Core capital (leverage) ratio | 10.7114% | 1,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $60,137,000 | 4,436 |
| Average earning assets | $57,071,000 | 4,411 |
| Average equity | $6,313,000 | 4,431 |
| Average total loans | $40,491,000 | 4,151 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4069% | 710 |
| Cost of funding earning assets | 0.5409% | 750 |
| Net interest margin | 3.8660% | 891 |
| Noninterest income to average assets | 0.8218% | 1,399 |
| Noninterest expense to average assets | 1.9235% | 3,867 |
| Loan and lease loss provision to assets | 0.0422% | 2,206 |
| Net operating income to assets | 1.9023% | 408 |
| Return on assets (ROA) | 1.9023% | 430 |
| Pretax return on assets | 2.5411% | 240 |
| Return on Equity (ROE) | 16.9638% | 597 |
| Retained earnings to average equity (ytd only) | 2.4481% | 3,842 |
| Net charge-offs to loans | 0.0052% | 2,404 |
| Credit loss provision to net charge-offs | 1,200.0000% | 463 |
| Earnings coverage of net charge-offs (x) | 734.0000% | 200 |
| Efficiency ratio | 42.6786% | 4,618 |
| Assets per employee ($millions) | 7.4086% | 1,667 |
| Cash dividends to net income (ytd only)* | 85.5689% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0426% | 3,597 |
| Loan loss allowance to noncurrent loans | 107.5718% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 0.6462% | 1,009 |
| Noncurrent loans to loans | 0.9692% | 1,029 |
| Net loans and leases to total assets | 65.9788% | 1,472 |
| Net loans and leases to deposits | 81.3586% | 1,113 |
| Net loans and leases to core deposits | 88.8387% | 1,026 |
| Total domestic deposits to total assets | 81.0964% | 4,095 |
| Equity capital to assets | 10.7341% | 1,990 |
| Core capital (leverage) ratio | 10.9618% | 1,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,824,800 | 4,493 |
| Average earning assets | $54,164,600 | 4,462 |
| Average equity | $6,372,400 | 4,492 |
| Average total loans | $38,659,600 | 4,218 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7183% | 475 |
| Cost of funding earning assets | 0.5574% | 797 |
| Net interest margin | 4.1609% | 585 |
| Noninterest income to average assets | 0.9392% | 1,173 |
| Noninterest expense to average assets | 1.9259% | 3,880 |
| Loan and lease loss provision to assets | 0.0427% | 2,140 |
| Net operating income to assets | 2.1963% | 328 |
| Return on assets (ROA) | 2.1963% | 345 |
| Pretax return on assets | 2.9363% | 189 |
| Return on Equity (ROE) | 19.3668% | 477 |
| Retained earnings to average equity (ytd only) | 3.6810% | 3,684 |
| Net charge-offs to loans | -0.0069% | 3,539 |
| Credit loss provision to net charge-offs | -900.0000% | 3,821 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.2650% | 4,741 |
| Assets per employee ($millions) | 7.0264% | 1,851 |
| Cash dividends to net income (ytd only)* | 80.9935% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0813% | 3,529 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 66.7289% | 1,461 |
| Net loans and leases to deposits | 83.1022% | 1,023 |
| Net loans and leases to core deposits | 92.3503% | 913 |
| Total domestic deposits to total assets | 80.2975% | 4,187 |
| Equity capital to assets | 11.3768% | 1,756 |
| Core capital (leverage) ratio | 11.3269% | 1,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,213,750 | 4,554 |
| Average earning assets | $53,576,750 | 4,528 |
| Average equity | $6,375,000 | 4,558 |
| Average total loans | $38,445,250 | 4,284 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2703% | 225 |
| Cost of funding earning assets | 0.5720% | 863 |
| Net interest margin | 4.6983% | 264 |
| Noninterest income to average assets | 1.0104% | 1,056 |
| Noninterest expense to average assets | 1.9070% | 3,946 |
| Loan and lease loss provision to assets | 0.0427% | 2,159 |
| Net operating income to assets | 2.6577% | 181 |
| Return on assets (ROA) | 2.6577% | 191 |
| Pretax return on assets | 3.5613% | 115 |
| Return on Equity (ROE) | 23.4598% | 243 |
| Retained earnings to average equity (ytd only) | 3.8315% | 3,574 |
| Net charge-offs to loans | -0.0052% | 3,446 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,705 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.6030% | 4,865 |
| Assets per employee ($millions) | 7.0814% | 1,741 |
| Cash dividends to net income (ytd only)* | 83.6680% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0755% | 3,522 |
| 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 | 65.4304% | 1,763 |
| Net loans and leases to deposits | 81.4964% | 1,274 |
| Net loans and leases to core deposits | 89.8616% | 1,149 |
| Total domestic deposits to total assets | 80.2863% | 4,195 |
| Equity capital to assets | 11.1984% | 1,832 |
| Core capital (leverage) ratio | 10.8689% | 1,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,214,667 | 4,581 |
| Average earning assets | $53,849,333 | 4,550 |
| Average equity | $6,368,333 | 4,582 |
| Average total loans | $38,620,667 | 4,309 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6344% | 166 |
| Cost of funding earning assets | 0.6061% | 858 |
| Net interest margin | 5.0283% | 178 |
| Noninterest income to average assets | 1.2358% | 816 |
| Noninterest expense to average assets | 1.9358% | 3,897 |
| Loan and lease loss provision to assets | 0.0429% | 2,206 |
| Net operating income to assets | 3.0145% | 153 |
| Return on assets (ROA) | 3.0145% | 170 |
| Pretax return on assets | 4.0574% | 102 |
| Return on Equity (ROE) | 26.4556% | 219 |
| Retained earnings to average equity (ytd only) | 18.6192% | 333 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.0710% | 4,892 |
| Assets per employee ($millions) | 7.2084% | 1,638 |
| Cash dividends to net income (ytd only)* | 29.6209% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9470% | 4,027 |
| 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 | 71.8244% | 1,049 |
| Net loans and leases to deposits | 89.9201% | 701 |
| Net loans and leases to core deposits | 98.7460% | 765 |
| Total domestic deposits to total assets | 79.8758% | 4,220 |
| Equity capital to assets | 11.3115% | 1,652 |
| Core capital (leverage) ratio | 11.7448% | 1,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,996,500 | 4,607 |
| Average earning assets | $53,457,500 | 4,571 |
| Average equity | $6,380,500 | 4,596 |
| Average total loans | $39,196,000 | 4,321 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3220% | 1,800 |
| Cost of funding earning assets | 0.9514% | 712 |
| Net interest margin | 3.3706% | 2,866 |
| Noninterest income to average assets | 1.1579% | 814 |
| Noninterest expense to average assets | 1.9478% | 4,233 |
| Loan and lease loss provision to assets | 0.0974% | 3,122 |
| Net operating income to assets | 1.7422% | 449 |
| Return on assets (ROA) | 1.7422% | 485 |
| Pretax return on assets | 2.3139% | 252 |
| Return on Equity (ROE) | 15.6594% | 541 |
| Retained earnings to average equity (ytd only) | 2.8531% | 3,447 |
| Net charge-offs to loans | 0.2538% | 682 |
| Credit loss provision to net charge-offs | 54.5455% | 3,117 |
| Earnings coverage of net charge-offs (x) | 13.5051% | 2,275 |
| Efficiency ratio | 44.6835% | 4,769 |
| Assets per employee ($millions) | 6.7908% | 1,717 |
| Cash dividends to net income (ytd only)* | 81.7805% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0662% | 3,618 |
| 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 | 66.6108% | 2,006 |
| Net loans and leases to deposits | 84.1050% | 1,446 |
| Net loans and leases to core deposits | 96.7205% | 1,081 |
| Total domestic deposits to total assets | 79.1996% | 4,181 |
| Equity capital to assets | 11.4825% | 1,898 |
| Core capital (leverage) ratio | 11.2069% | 1,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,447,400 | 4,585 |
| Average earning assets | $52,661,200 | 4,548 |
| Average equity | $6,168,800 | 4,626 |
| Average total loans | $39,003,800 | 4,327 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4106% | 1,822 |
| Cost of funding earning assets | 1.0074% | 746 |
| Net interest margin | 3.4033% | 2,913 |
| Noninterest income to average assets | 0.9546% | 1,112 |
| Noninterest expense to average assets | 1.7872% | 4,517 |
| Loan and lease loss provision to assets | 0.1148% | 2,887 |
| Net operating income to assets | 1.7154% | 558 |
| Return on assets (ROA) | 1.7154% | 621 |
| Pretax return on assets | 2.2777% | 291 |
| Return on Equity (ROE) | 15.5405% | 613 |
| Retained earnings to average equity (ytd only) | 2.2108% | 3,857 |
| Net charge-offs to loans | 0.3366% | 464 |
| Credit loss provision to net charge-offs | 48.0000% | 2,894 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 2,385 |
| Efficiency ratio | 42.7590% | 4,837 |
| Assets per employee ($millions) | 7.8203% | 1,069 |
| Cash dividends to net income (ytd only)* | 85.7741% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9734% | 3,808 |
| 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 | 71.1775% | 1,790 |
| Net loans and leases to deposits | 93.3337% | 978 |
| Net loans and leases to core deposits | 110.4516% | 686 |
| Total domestic deposits to total assets | 76.2614% | 4,400 |
| Equity capital to assets | 11.2674% | 2,173 |
| Core capital (leverage) ratio | 10.9516% | 1,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,727,750 | 4,590 |
| Average earning assets | $52,810,250 | 4,561 |
| Average equity | $6,151,500 | 4,652 |
| Average total loans | $39,610,500 | 4,342 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6081% | 1,633 |
| Cost of funding earning assets | 1.0628% | 809 |
| Net interest margin | 3.5453% | 2,652 |
| Noninterest income to average assets | 0.6708% | 1,851 |
| Noninterest expense to average assets | 1.7482% | 4,629 |
| Loan and lease loss provision to assets | 0.1498% | 2,506 |
| Net operating income to assets | 1.6127% | 744 |
| Return on assets (ROA) | 1.6127% | 813 |
| Pretax return on assets | 2.1407% | 402 |
| Return on Equity (ROE) | 14.7088% | 754 |
| Retained earnings to average equity (ytd only) | 6.5734% | 1,837 |
| Net charge-offs to loans | 0.4937% | 325 |
| Credit loss provision to net charge-offs | 42.8571% | 2,658 |
| Earnings coverage of net charge-offs (x) | 6.5510% | 2,428 |
| Efficiency ratio | 43.2862% | 4,830 |
| Assets per employee ($millions) | 8.2526% | 886 |
| Cash dividends to net income (ytd only)* | 55.3097% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9175% | 3,927 |
| Loan loss allowance to noncurrent loans | 97.1795% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 0.6751% | 1,816 |
| Noncurrent loans to loans | 0.9441% | 1,637 |
| Net loans and leases to total assets | 70.8506% | 1,901 |
| Net loans and leases to deposits | 91.8927% | 1,172 |
| Net loans and leases to core deposits | 113.9671% | 596 |
| Total domestic deposits to total assets | 77.1015% | 4,306 |
| Equity capital to assets | 10.8572% | 2,457 |
| Core capital (leverage) ratio | 10.9065% | 2,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,056,333 | 4,595 |
| Average earning assets | $53,254,333 | 4,566 |
| Average equity | $6,146,000 | 4,671 |
| Average total loans | $39,698,333 | 4,357 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5128% | 2,280 |
| Cost of funding earning assets | 1.1378% | 940 |
| Net interest margin | 3.3751% | 3,379 |
| Noninterest income to average assets | 0.4855% | 2,629 |
| Noninterest expense to average assets | 1.7246% | 4,746 |
| Loan and lease loss provision to assets | 0.0435% | 3,235 |
| Net operating income to assets | 1.4493% | 883 |
| Return on assets (ROA) | 1.4493% | 957 |
| Pretax return on assets | 1.9203% | 548 |
| Return on Equity (ROE) | 13.1514% | 852 |
| Retained earnings to average equity (ytd only) | 4.9318% | 2,302 |
| Net charge-offs to loans | -0.0103% | 4,088 |
| Credit loss provision to net charge-offs | -600.0000% | 3,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7583% | 4,803 |
| Assets per employee ($millions) | 6.9433% | 1,118 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1294% | 3,051 |
| 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 | 69.6630% | 2,298 |
| Net loans and leases to deposits | 91.6313% | 1,326 |
| Net loans and leases to core deposits | 115.5420% | 606 |
| Total domestic deposits to total assets | 76.0253% | 4,483 |
| Equity capital to assets | 11.0431% | 2,821 |
| Core capital (leverage) ratio | 11.0627% | 2,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,200,500 | 4,624 |
| Average earning assets | $52,384,000 | 4,595 |
| Average equity | $6,083,000 | 4,715 |
| Average total loans | $38,893,500 | 4,398 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7234% | 2,260 |
| Cost of funding earning assets | 1.2703% | 843 |
| Net interest margin | 3.4531% | 3,581 |
| Noninterest income to average assets | 0.4381% | 3,064 |
| Noninterest expense to average assets | 1.8394% | 4,725 |
| Loan and lease loss provision to assets | 0.0453% | 3,107 |
| Net operating income to assets | 1.3824% | 1,401 |
| Return on assets (ROA) | 1.3824% | 1,483 |
| Pretax return on assets | 1.8338% | 870 |
| Return on Equity (ROE) | 12.2943% | 1,399 |
| Retained earnings to average equity (ytd only) | 3.0568% | 3,494 |
| Net charge-offs to loans | -0.0053% | 4,359 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4667% | 4,759 |
| Assets per employee ($millions) | 7.8364% | 760 |
| Cash dividends to net income (ytd only)* | 75.1366% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1255% | 2,806 |
| 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 | 69.6655% | 2,454 |
| Net loans and leases to deposits | 91.7593% | 1,397 |
| Net loans and leases to core deposits | 114.0985% | 666 |
| Total domestic deposits to total assets | 75.9220% | 4,606 |
| Equity capital to assets | 10.9963% | 3,002 |
| Core capital (leverage) ratio | 11.0721% | 2,434 |
| Tier 1 risk-based capital ratio | 15.8450% | 2,461 |
| Total risk-based capital ratio | 16.9894% | 2,426 |
| Memoranda: | ||
| Average total assets | $52,951,200 | 4,703 |
| Average earning assets | $50,303,000 | 4,663 |
| Average equity | $5,954,000 | 4,761 |
| Average total loans | $37,519,000 | 4,462 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7474% | 2,279 |
| Cost of funding earning assets | 1.2979% | 794 |
| Net interest margin | 3.4495% | 3,732 |
| Noninterest income to average assets | 0.4421% | 3,065 |
| Noninterest expense to average assets | 1.8370% | 4,771 |
| Loan and lease loss provision to assets | 0.0457% | 2,987 |
| Net operating income to assets | 1.3847% | 1,510 |
| Return on assets (ROA) | 1.3847% | 1,583 |
| Pretax return on assets | 1.8345% | 1,008 |
| Return on Equity (ROE) | 12.2445% | 1,535 |
| Retained earnings to average equity (ytd only) | 4.3810% | 3,208 |
| Net charge-offs to loans | -0.0072% | 4,295 |
| Credit loss provision to net charge-offs | -900.0000% | 4,406 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4190% | 4,778 |
| Assets per employee ($millions) | 7.5607% | 823 |
| Cash dividends to net income (ytd only)* | 64.2207% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1442% | 2,802 |
| 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 | 70.0312% | 2,473 |
| Net loans and leases to deposits | 93.8092% | 1,236 |
| Net loans and leases to core deposits | 118.7606% | 568 |
| Total domestic deposits to total assets | 74.6528% | 4,774 |
| Equity capital to assets | 11.4162% | 2,721 |
| Core capital (leverage) ratio | 11.5048% | 2,215 |
| Tier 1 risk-based capital ratio | 16.3007% | 2,334 |
| Total risk-based capital ratio | 17.4593% | 2,291 |
| Memoranda: | ||
| Average total assets | $52,475,250 | 4,780 |
| Average earning assets | $49,822,250 | 4,741 |
| Average equity | $5,934,500 | 4,827 |
| Average total loans | $37,236,250 | 4,528 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7745% | 2,140 |
| Cost of funding earning assets | 1.3274% | 687 |
| Net interest margin | 3.4471% | 3,748 |
| Noninterest income to average assets | 0.4281% | 3,080 |
| Noninterest expense to average assets | 1.8232% | 4,850 |
| Loan and lease loss provision to assets | 0.0459% | 2,901 |
| Net operating income to assets | 1.3837% | 1,477 |
| Return on assets (ROA) | 1.3837% | 1,535 |
| Pretax return on assets | 1.8347% | 965 |
| Return on Equity (ROE) | 12.2740% | 1,484 |
| Retained earnings to average equity (ytd only) | 4.6451% | 2,952 |
| Net charge-offs to loans | -0.0054% | 4,145 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2260% | 4,827 |
| Assets per employee ($millions) | 6.5814% | 1,203 |
| Cash dividends to net income (ytd only)* | 62.1547% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1396% | 2,848 |
| 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 | 69.5295% | 2,597 |
| Net loans and leases to deposits | 92.0678% | 1,481 |
| Net loans and leases to core deposits | 115.1123% | 723 |
| Total domestic deposits to total assets | 75.5199% | 4,722 |
| Equity capital to assets | 11.3616% | 2,734 |
| Core capital (leverage) ratio | 11.2371% | 2,388 |
| Tier 1 risk-based capital ratio | 16.2406% | 2,313 |
| Total risk-based capital ratio | 17.3871% | 2,298 |
| Memoranda: | ||
| Average total assets | $52,325,330 | 4,815 |
| Average earning assets | $49,722,670 | 4,778 |
| Average equity | $5,898,670 | 4,859 |
| Average total loans | $37,150,670 | 4,568 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5840% | 2,587 |
| Cost of funding earning assets | 1.1218% | 1,119 |
| Net interest margin | 3.4622% | 3,710 |
| Noninterest income to average assets | 0.4448% | 2,877 |
| Noninterest expense to average assets | 1.7714% | 4,950 |
| Loan and lease loss provision to assets | 0.0460% | 2,728 |
| Net operating income to assets | 1.4493% | 1,237 |
| Return on assets (ROA) | 1.4493% | 1,267 |
| Pretax return on assets | 1.9171% | 762 |
| Return on Equity (ROE) | 12.9076% | 1,251 |
| Retained earnings to average equity (ytd only) | 6.0782% | 2,428 |
| Net charge-offs to loans | 0.0430% | 1,657 |
| Credit loss provision to net charge-offs | 150.0000% | 1,232 |
| Earnings coverage of net charge-offs (x) | 64.0000% | 885 |
| Efficiency ratio | 47.4333% | 4,966 |
| Assets per employee ($millions) | 7.5336% | 804 |
| Cash dividends to net income (ytd only)* | 52.9101% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0783% | 3,246 |
| 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 | 71.4990% | 2,251 |
| Net loans and leases to deposits | 96.0123% | 964 |
| Net loans and leases to core deposits | 121.1912% | 493 |
| Total domestic deposits to total assets | 74.4686% | 4,898 |
| Equity capital to assets | 11.2127% | 2,639 |
| Core capital (leverage) ratio | 11.5076% | 2,127 |
| Tier 1 risk-based capital ratio | 16.3352% | 2,322 |
| Total risk-based capital ratio | 17.4674% | 2,309 |
| Memoranda: | ||
| Average total assets | $52,162,500 | 4,870 |
| Average earning assets | $49,564,000 | 4,834 |
| Average equity | $5,857,000 | 4,910 |
| Average total loans | $37,211,000 | 4,612 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4422% | 2,626 |
| Cost of funding earning assets | 0.9686% | 849 |
| Net interest margin | 3.4737% | 3,792 |
| Noninterest income to average assets | 0.4392% | 3,174 |
| Noninterest expense to average assets | 1.8432% | 4,959 |
| Loan and lease loss provision to assets | 0.0483% | 3,213 |
| Net operating income to assets | 1.3992% | 1,436 |
| Return on assets (ROA) | 1.3960% | 1,439 |
| Pretax return on assets | 1.8452% | 821 |
| Return on Equity (ROE) | 12.0058% | 1,712 |
| Retained earnings to average equity (ytd only) | 2.6853% | 4,062 |
| Net charge-offs to loans | -0.0084% | 4,453 |
| Credit loss provision to net charge-offs | -800.0000% | 4,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2730% | 4,981 |
| Assets per employee ($millions) | 7.3700% | 844 |
| Cash dividends to net income (ytd only)* | 77.6335% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1265% | 2,940 |
| Loan loss allowance to noncurrent loans | 3,146.1538% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 4,743 |
| Noncurrent loans to loans | 0.0358% | 4,611 |
| Net loans and leases to total assets | 69.5813% | 2,632 |
| Net loans and leases to deposits | 90.0735% | 1,792 |
| Net loans and leases to core deposits | 110.1676% | 986 |
| Total domestic deposits to total assets | 77.2495% | 4,594 |
| Equity capital to assets | 11.2444% | 2,472 |
| Core capital (leverage) ratio | 11.3180% | 2,254 |
| Tier 1 risk-based capital ratio | 16.9196% | 2,095 |
| Total risk-based capital ratio | 18.1044% | 2,068 |
| Memoranda: | ||
| Average total assets | $49,641,200 | 4,943 |
| Average earning assets | $47,183,600 | 4,912 |
| Average equity | $5,772,200 | 4,935 |
| Average total loans | $35,631,600 | 4,670 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3719% | 2,724 |
| Cost of funding earning assets | 0.9222% | 830 |
| Net interest margin | 3.4497% | 3,863 |
| Noninterest income to average assets | 0.4611% | 3,088 |
| Noninterest expense to average assets | 1.8336% | 5,001 |
| Loan and lease loss provision to assets | 0.0488% | 3,018 |
| Net operating income to assets | 1.4148% | 1,434 |
| Return on assets (ROA) | 1.4105% | 1,446 |
| Pretax return on assets | 1.8608% | 880 |
| Return on Equity (ROE) | 12.0264% | 1,782 |
| Retained earnings to average equity (ytd only) | 3.9317% | 3,811 |
| Net charge-offs to loans | -0.0075% | 4,322 |
| Credit loss provision to net charge-offs | -900.0000% | 4,611 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9146% | 5,003 |
| Assets per employee ($millions) | 7.1953% | 869 |
| Cash dividends to net income (ytd only)* | 67.3080% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1165% | 3,095 |
| Loan loss allowance to noncurrent loans | 3,092.3077% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0258% | 4,854 |
| Noncurrent loans to loans | 0.0361% | 4,732 |
| Net loans and leases to total assets | 70.6872% | 2,543 |
| Net loans and leases to deposits | 94.4076% | 1,331 |
| Net loans and leases to core deposits | 115.0934% | 757 |
| Total domestic deposits to total assets | 74.8744% | 4,897 |
| Equity capital to assets | 11.5294% | 2,244 |
| Core capital (leverage) ratio | 11.7397% | 1,979 |
| Tier 1 risk-based capital ratio | 17.0953% | 2,067 |
| Total risk-based capital ratio | 18.2689% | 2,048 |
| Memoranda: | ||
| Average total assets | $49,154,000 | 5,009 |
| Average earning assets | $46,843,500 | 4,969 |
| Average equity | $5,765,000 | 4,988 |
| Average total loans | $35,463,000 | 4,724 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3111% | 2,722 |
| Cost of funding earning assets | 0.8648% | 853 |
| Net interest margin | 3.4463% | 3,814 |
| Noninterest income to average assets | 0.4800% | 2,975 |
| Noninterest expense to average assets | 1.8872% | 4,976 |
| Loan and lease loss provision to assets | 0.0492% | 2,932 |
| Net operating income to assets | 1.3891% | 1,475 |
| Return on assets (ROA) | 1.3826% | 1,500 |
| Pretax return on assets | 1.8216% | 913 |
| Return on Equity (ROE) | 11.7197% | 1,833 |
| Retained earnings to average equity (ytd only) | 8.2420% | 1,522 |
| Net charge-offs to loans | -0.0057% | 4,133 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1089% | 5,022 |
| Assets per employee ($millions) | 7.0486% | 900 |
| Cash dividends to net income (ytd only)* | 29.6736% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1374% | 3,054 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 69.5865% | 2,640 |
| Net loans and leases to deposits | 89.4161% | 1,920 |
| Net loans and leases to core deposits | 109.7178% | 1,017 |
| Total domestic deposits to total assets | 77.8233% | 4,619 |
| Equity capital to assets | 11.9173% | 1,911 |
| Core capital (leverage) ratio | 12.0455% | 1,684 |
| Tier 1 risk-based capital ratio | 17.7015% | 1,888 |
| Total risk-based capital ratio | 18.8819% | 1,863 |
| Memoranda: | ||
| Average total assets | $48,749,670 | 5,075 |
| Average earning assets | $46,484,670 | 5,035 |
| Average equity | $5,751,000 | 5,041 |
| Average total loans | $35,282,330 | 4,771 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2809% | 2,599 |
| Cost of funding earning assets | 0.8216% | 864 |
| Net interest margin | 3.4593% | 3,674 |
| Noninterest income to average assets | 0.5118% | 2,738 |
| Noninterest expense to average assets | 1.8822% | 5,048 |
| Loan and lease loss provision to assets | 0.0495% | 2,788 |
| Net operating income to assets | 1.4329% | 1,247 |
| Return on assets (ROA) | 1.4199% | 1,295 |
| Pretax return on assets | 1.8657% | 785 |
| Return on Equity (ROE) | 12.0988% | 1,548 |
| Retained earnings to average equity (ytd only) | 5.0646% | 3,144 |
| Net charge-offs to loans | -0.0112% | 4,298 |
| Credit loss provision to net charge-offs | -600.0000% | 4,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3506% | 5,117 |
| Assets per employee ($millions) | 6.9544% | 980 |
| Cash dividends to net income (ytd only)* | 58.1395% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0805% | 3,501 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 73.1538% | 2,003 |
| Net loans and leases to deposits | 95.2142% | 1,106 |
| Net loans and leases to core deposits | 118.4697% | 636 |
| Total domestic deposits to total assets | 76.8308% | 4,880 |
| Equity capital to assets | 11.7417% | 1,957 |
| Core capital (leverage) ratio | 11.8514% | 1,746 |
| Tier 1 risk-based capital ratio | 16.1719% | 2,404 |
| Total risk-based capital ratio | 17.2644% | 2,400 |
| Memoranda: | ||
| Average total assets | $48,454,500 | 5,134 |
| Average earning assets | $46,252,000 | 5,091 |
| Average equity | $5,686,500 | 5,103 |
| Average total loans | $35,559,000 | 4,811 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2718% | 2,422 |
| Cost of funding earning assets | 0.7799% | 697 |
| Net interest margin | 3.4919% | 3,555 |
| Noninterest income to average assets | 0.4698% | 3,192 |
| Noninterest expense to average assets | 1.8813% | 5,140 |
| Loan and lease loss provision to assets | 0.0499% | 3,221 |
| Net operating income to assets | 1.1556% | 1,666 |
| Return on assets (ROA) | 1.1516% | 1,705 |
| Pretax return on assets | 1.8085% | 777 |
| Return on Equity (ROE) | 9.8311% | 1,961 |
| Retained earnings to average equity (ytd only) | 3.1765% | 3,399 |
| Net charge-offs to loans | 0.0142% | 3,608 |
| Credit loss provision to net charge-offs | 480.0000% | 650 |
| Earnings coverage of net charge-offs (x) | 179.4000% | 431 |
| Efficiency ratio | 50.2220% | 5,208 |
| Assets per employee ($millions) | 6.8897% | 1,018 |
| Cash dividends to net income (ytd only)* | 67.6895% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0878% | 3,420 |
| Loan loss allowance to noncurrent loans | 2,938.4615% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.0270% | 5,013 |
| Noncurrent loans to loans | 0.0370% | 4,844 |
| Net loans and leases to total assets | 72.0225% | 2,232 |
| Net loans and leases to deposits | 93.1583% | 1,372 |
| Net loans and leases to core deposits | 113.4204% | 821 |
| Total domestic deposits to total assets | 77.3119% | 4,823 |
| Equity capital to assets | 11.7297% | 2,017 |
| Core capital (leverage) ratio | 11.7725% | 1,746 |
| Tier 1 risk-based capital ratio | 16.3269% | 2,321 |
| Total risk-based capital ratio | 17.4238% | 2,306 |
| Memoranda: | ||
| Average total assets | $48,105,600 | 5,190 |
| Average earning assets | $45,133,000 | 5,168 |
| Average equity | $5,635,200 | 5,155 |
| Average total loans | $35,091,800 | 4,867 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2735% | 2,342 |
| Cost of funding earning assets | 0.7746% | 670 |
| Net interest margin | 3.4989% | 3,503 |
| Noninterest income to average assets | 0.4715% | 3,201 |
| Noninterest expense to average assets | 1.8665% | 5,179 |
| Loan and lease loss provision to assets | 0.0499% | 3,096 |
| Net operating income to assets | 1.1590% | 1,847 |
| Return on assets (ROA) | 1.1537% | 1,907 |
| Pretax return on assets | 1.8166% | 853 |
| Return on Equity (ROE) | 9.8521% | 2,191 |
| Retained earnings to average equity (ytd only) | 6.2997% | 2,060 |
| Net charge-offs to loans | -0.0076% | 4,561 |
| Credit loss provision to net charge-offs | -900.0000% | 4,926 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8888% | 5,257 |
| Assets per employee ($millions) | 6.8484% | 1,008 |
| Cash dividends to net income (ytd only)* | 36.0588% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0799% | 3,599 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 73.1847% | 2,063 |
| Net loans and leases to deposits | 96.9305% | 1,013 |
| Net loans and leases to core deposits | 117.9929% | 657 |
| Total domestic deposits to total assets | 75.5022% | 5,074 |
| Equity capital to assets | 12.0424% | 1,938 |
| Core capital (leverage) ratio | 12.1792% | 1,581 |
| Tier 1 risk-based capital ratio | 16.7057% | 2,250 |
| Total risk-based capital ratio | 17.8136% | 2,259 |
| Memoranda: | ||
| Average total assets | $48,075,000 | 5,249 |
| Average earning assets | $44,927,000 | 5,229 |
| Average equity | $5,629,750 | 5,213 |
| Average total loans | $35,085,500 | 4,914 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2540% | 2,273 |
| Cost of funding earning assets | 0.7662% | 627 |
| Net interest margin | 3.4878% | 3,452 |
| Noninterest income to average assets | 0.4406% | 3,415 |
| Noninterest expense to average assets | 1.8121% | 5,296 |
| Loan and lease loss provision to assets | 0.0499% | 2,992 |
| Net operating income to assets | 1.1634% | 1,721 |
| Return on assets (ROA) | 1.1554% | 1,805 |
| Pretax return on assets | 1.8204% | 797 |
| Return on Equity (ROE) | 9.9606% | 2,055 |
| Retained earnings to average equity (ytd only) | 4.5862% | 2,983 |
| Net charge-offs to loans | -0.0057% | 4,368 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,857 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0439% | 5,353 |
| Assets per employee ($millions) | 6.9107% | 965 |
| Cash dividends to net income (ytd only)* | 53.9568% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0817% | 3,686 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 71.0801% | 2,357 |
| Net loans and leases to deposits | 93.8276% | 1,283 |
| Net loans and leases to core deposits | 113.5606% | 818 |
| Total domestic deposits to total assets | 75.7561% | 5,122 |
| Equity capital to assets | 11.6444% | 2,196 |
| Core capital (leverage) ratio | 11.6341% | 1,874 |
| Tier 1 risk-based capital ratio | 16.4147% | 2,353 |
| Total risk-based capital ratio | 17.5100% | 2,351 |
| Memoranda: | ||
| Average total assets | $48,120,330 | 5,288 |
| Average earning assets | $44,899,000 | 5,266 |
| Average equity | $5,582,000 | 5,258 |
| Average total loans | $34,958,330 | 4,956 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1420% | 2,504 |
| Cost of funding earning assets | 0.7257% | 739 |
| Net interest margin | 3.4162% | 3,595 |
| Noninterest income to average assets | 0.4501% | 3,316 |
| Noninterest expense to average assets | 1.7919% | 5,392 |
| Loan and lease loss provision to assets | 0.0500% | 2,806 |
| Net operating income to assets | 1.1662% | 1,611 |
| Return on assets (ROA) | 1.1502% | 1,704 |
| Pretax return on assets | 1.8003% | 801 |
| Return on Equity (ROE) | 9.9343% | 1,989 |
| Retained earnings to average equity (ytd only) | 9.9343% | 820 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8636% | 5,427 |
| Assets per employee ($millions) | 6.9214% | 984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0208% | 4,158 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4107% | 3,543 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 73.8493% | 1,769 |
| Net loans and leases to deposits | 97.6688% | 793 |
| Net loans and leases to core deposits | 118.5396% | 503 |
| Total domestic deposits to total assets | 75.6120% | 5,270 |
| Equity capital to assets | 11.6285% | 2,090 |
| Core capital (leverage) ratio | 11.8004% | 1,755 |
| Tier 1 risk-based capital ratio | 15.6777% | 2,673 |
| Total risk-based capital ratio | 16.7023% | 2,704 |
| Memoranda: | ||
| Average total assets | $47,993,000 | 5,352 |
| Average earning assets | $45,196,000 | 5,312 |
| Average equity | $5,556,500 | 5,312 |
| Average total loans | $35,057,000 | 4,998 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1558% | 2,641 |
| Cost of funding earning assets | 0.6911% | 848 |
| Net interest margin | 3.4646% | 3,562 |
| Noninterest income to average assets | 0.5458% | 2,939 |
| Noninterest expense to average assets | 1.8490% | 5,426 |
| Loan and lease loss provision to assets | 0.0508% | 3,374 |
| Net operating income to assets | 1.2186% | 1,441 |
| Return on assets (ROA) | 1.2186% | 1,530 |
| Pretax return on assets | 1.9125% | 604 |
| Return on Equity (ROE) | 10.5194% | 1,762 |
| Retained earnings to average equity (ytd only) | 2.7577% | 3,940 |
| Net charge-offs to loans | 0.0118% | 3,874 |
| Credit loss provision to net charge-offs | 600.0000% | 568 |
| Earnings coverage of net charge-offs (x) | 232.0000% | 305 |
| Efficiency ratio | 48.5017% | 5,554 |
| Assets per employee ($millions) | 6.7909% | 1,010 |
| Cash dividends to net income (ytd only)* | 73.7847% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0687% | 3,900 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4186% | 3,596 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 70.6875% | 2,384 |
| Net loans and leases to deposits | 89.3718% | 1,755 |
| Net loans and leases to core deposits | 107.6780% | 1,039 |
| Total domestic deposits to total assets | 79.0937% | 4,770 |
| Equity capital to assets | 11.5260% | 2,143 |
| Core capital (leverage) ratio | 11.5854% | 1,869 |
| Tier 1 risk-based capital ratio | 16.0535% | 2,520 |
| Total risk-based capital ratio | 17.1117% | 2,531 |
| Memoranda: | ||
| Average total assets | $47,268,200 | 5,399 |
| Average earning assets | $44,564,400 | 5,364 |
| Average equity | $5,475,600 | 5,378 |
| Average total loans | $33,979,000 | 5,070 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0477% | 3,044 |
| Cost of funding earning assets | 0.6811% | 897 |
| Net interest margin | 3.3666% | 3,967 |
| Noninterest income to average assets | 0.5678% | 2,830 |
| Noninterest expense to average assets | 1.8671% | 5,436 |
| Loan and lease loss provision to assets | 0.0508% | 3,228 |
| Net operating income to assets | 1.2401% | 1,490 |
| Return on assets (ROA) | 1.2401% | 1,591 |
| Pretax return on assets | 1.8332% | 834 |
| Return on Equity (ROE) | 10.6913% | 1,790 |
| Retained earnings to average equity (ytd only) | 6.4293% | 1,947 |
| Net charge-offs to loans | 0.0196% | 3,306 |
| Credit loss provision to net charge-offs | 360.0000% | 910 |
| Earnings coverage of net charge-offs (x) | 133.3298% | 512 |
| Efficiency ratio | 49.7741% | 5,520 |
| Assets per employee ($millions) | 6.6833% | 1,009 |
| Cash dividends to net income (ytd only)* | 39.8637% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0421% | 4,169 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4254% | 3,719 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 72.2634% | 2,149 |
| Net loans and leases to deposits | 95.0997% | 1,138 |
| Net loans and leases to core deposits | 116.8499% | 620 |
| Total domestic deposits to total assets | 75.9870% | 5,236 |
| Equity capital to assets | 12.0450% | 2,088 |
| Core capital (leverage) ratio | 12.0246% | 1,659 |
| Tier 1 risk-based capital ratio | 16.3126% | 2,490 |
| Total risk-based capital ratio | 17.3458% | 2,536 |
| Memoranda: | ||
| Average total assets | $47,201,250 | 5,456 |
| Average earning assets | $44,633,500 | 5,422 |
| Average equity | $5,474,750 | 5,431 |
| Average total loans | $33,982,500 | 5,117 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0592% | 3,027 |
| Cost of funding earning assets | 0.6706% | 936 |
| Net interest margin | 3.3887% | 3,939 |
| Noninterest income to average assets | 0.5070% | 3,146 |
| Noninterest expense to average assets | 1.8969% | 5,454 |
| Loan and lease loss provision to assets | 0.0507% | 3,134 |
| Net operating income to assets | 1.2209% | 1,529 |
| Return on assets (ROA) | 1.2209% | 1,626 |
| Pretax return on assets | 1.7617% | 953 |
| Return on Equity (ROE) | 10.6616% | 1,781 |
| Retained earnings to average equity (ytd only) | 4.2056% | 3,232 |
| Net charge-offs to loans | 0.0354% | 2,743 |
| Credit loss provision to net charge-offs | 200.0000% | 1,298 |
| Earnings coverage of net charge-offs (x) | 71.5000% | 762 |
| Efficiency ratio | 51.1390% | 5,493 |
| Assets per employee ($millions) | 6.7083% | 998 |
| Cash dividends to net income (ytd only)* | 60.5536% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0283% | 4,357 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4238% | 3,808 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 71.5341% | 2,241 |
| Net loans and leases to deposits | 91.0375% | 1,625 |
| Net loans and leases to core deposits | 111.7614% | 832 |
| Total domestic deposits to total assets | 78.5766% | 4,878 |
| Equity capital to assets | 11.7083% | 2,348 |
| Core capital (leverage) ratio | 11.5618% | 1,945 |
| Tier 1 risk-based capital ratio | 15.8883% | 2,695 |
| Total risk-based capital ratio | 16.8969% | 2,740 |
| Memoranda: | ||
| Average total assets | $47,340,670 | 5,516 |
| Average earning assets | $44,737,330 | 5,487 |
| Average equity | $5,421,330 | 5,494 |
| Average total loans | $33,922,330 | 5,175 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9809% | 3,284 |
| Cost of funding earning assets | 0.6576% | 1,012 |
| Net interest margin | 3.3234% | 4,134 |
| Noninterest income to average assets | 0.4628% | 3,398 |
| Noninterest expense to average assets | 2.0281% | 5,271 |
| Loan and lease loss provision to assets | 0.0505% | 2,913 |
| Net operating income to assets | 0.9846% | 2,349 |
| Return on assets (ROA) | 0.9846% | 2,464 |
| Pretax return on assets | 1.5316% | 1,501 |
| Return on Equity (ROE) | 8.6940% | 2,560 |
| Retained earnings to average equity (ytd only) | 3.1209% | 3,958 |
| Net charge-offs to loans | 0.0708% | 1,773 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 31.3333% | 1,159 |
| Efficiency ratio | 56.1772% | 5,176 |
| Assets per employee ($millions) | 6.7824% | 973 |
| Cash dividends to net income (ytd only)* | 64.1026% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0032% | 4,595 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4718% | 3,712 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 71.2956% | 2,144 |
| Net loans and leases to deposits | 90.7699% | 1,488 |
| Net loans and leases to core deposits | 112.7135% | 724 |
| Total domestic deposits to total assets | 78.5454% | 5,053 |
| Equity capital to assets | 11.3992% | 2,535 |
| Core capital (leverage) ratio | 11.4744% | 1,991 |
| Tier 1 risk-based capital ratio | 15.2241% | 3,050 |
| Total risk-based capital ratio | 16.1889% | 3,126 |
| Memoranda: | ||
| Average total assets | $47,532,000 | 5,564 |
| Average earning assets | $45,014,500 | 5,523 |
| Average equity | $5,383,000 | 5,534 |
| Average total loans | $33,913,500 | 5,216 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2335% | 2,446 |
| Cost of funding earning assets | 0.6174% | 1,258 |
| Net interest margin | 3.6161% | 3,072 |
| Noninterest income to average assets | 0.5812% | 2,827 |
| Noninterest expense to average assets | 1.8724% | 5,645 |
| Loan and lease loss provision to assets | 0.0515% | 3,292 |
| Net operating income to assets | 1.3469% | 1,162 |
| Return on assets (ROA) | 1.3469% | 1,196 |
| Pretax return on assets | 2.0868% | 446 |
| Return on Equity (ROE) | 11.9147% | 1,320 |
| Retained earnings to average equity (ytd only) | 4.8000% | 2,574 |
| Net charge-offs to loans | -0.0088% | 5,083 |
| Credit loss provision to net charge-offs | -800.0000% | 5,526 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6845% | 5,891 |
| Assets per employee ($millions) | 6.7981% | 965 |
| Cash dividends to net income (ytd only)* | 59.7134% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0198% | 4,488 |
| Loan loss allowance to noncurrent loans | 1,071.8750% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.4875% | 3,684 |
| Noncurrent loans to loans | 0.0951% | 5,116 |
| Net loans and leases to total assets | 69.9603% | 2,369 |
| Net loans and leases to deposits | 85.0827% | 2,230 |
| Net loans and leases to core deposits | 100.0240% | 1,493 |
| Total domestic deposits to total assets | 82.2262% | 4,101 |
| Equity capital to assets | 11.2510% | 2,586 |
| Core capital (leverage) ratio | 11.4061% | 2,040 |
| Tier 1 risk-based capital ratio | 15.3011% | 3,036 |
| Total risk-based capital ratio | 16.2813% | 3,098 |
| Memoranda: | ||
| Average total assets | $46,625,800 | 5,620 |
| Average earning assets | $44,218,400 | 5,573 |
| Average equity | $5,270,800 | 5,588 |
| Average total loans | $33,947,200 | 5,224 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2329% | 2,467 |
| Cost of funding earning assets | 0.6116% | 1,334 |
| Net interest margin | 3.6213% | 3,076 |
| Noninterest income to average assets | 0.5921% | 2,790 |
| Noninterest expense to average assets | 1.7821% | 5,798 |
| Loan and lease loss provision to assets | 0.0517% | 3,163 |
| Net operating income to assets | 1.4199% | 1,062 |
| Return on assets (ROA) | 1.4199% | 1,106 |
| Pretax return on assets | 2.1960% | 419 |
| Return on Equity (ROE) | 12.5457% | 1,234 |
| Retained earnings to average equity (ytd only) | 6.8316% | 1,772 |
| Net charge-offs to loans | -0.0078% | 4,915 |
| Credit loss provision to net charge-offs | -900.0000% | 5,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2225% | 6,032 |
| Assets per employee ($millions) | 6.4053% | 1,112 |
| Cash dividends to net income (ytd only)* | 45.5462% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0251% | 4,614 |
| Loan loss allowance to noncurrent loans | 145.4545% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 0.5152% | 3,770 |
| Noncurrent loans to loans | 0.7048% | 3,219 |
| Net loans and leases to total assets | 72.3510% | 2,006 |
| Net loans and leases to deposits | 88.0804% | 1,888 |
| Net loans and leases to core deposits | 106.0061% | 1,099 |
| Total domestic deposits to total assets | 82.1420% | 4,120 |
| Equity capital to assets | 12.0079% | 2,101 |
| Core capital (leverage) ratio | 11.5830% | 1,970 |
| Tier 1 risk-based capital ratio | 16.2139% | 2,704 |
| Total risk-based capital ratio | 17.2258% | 2,751 |
| Memoranda: | ||
| Average total assets | $46,385,500 | 5,697 |
| Average earning assets | $44,035,250 | 5,653 |
| Average equity | $5,250,000 | 5,665 |
| Average total loans | $34,025,250 | 5,283 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1818% | 2,611 |
| Cost of funding earning assets | 0.6019% | 1,399 |
| Net interest margin | 3.5799% | 3,166 |
| Noninterest income to average assets | 0.5970% | 2,758 |
| Noninterest expense to average assets | 1.7441% | 5,929 |
| Loan and lease loss provision to assets | 0.0512% | 3,096 |
| Net operating income to assets | 1.4243% | 1,045 |
| Return on assets (ROA) | 1.4243% | 1,083 |
| Pretax return on assets | 2.2003% | 412 |
| Return on Equity (ROE) | 12.8330% | 1,148 |
| Retained earnings to average equity (ytd only) | 7.0697% | 1,669 |
| Net charge-offs to loans | -0.0116% | 4,972 |
| Credit loss provision to net charge-offs | -600.0000% | 5,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6499% | 6,126 |
| Assets per employee ($millions) | 6.5417% | 1,036 |
| Cash dividends to net income (ytd only)* | 44.9102% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9633% | 5,041 |
| Loan loss allowance to noncurrent loans | 165.8291% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 0.4346% | 4,184 |
| Noncurrent loans to loans | 0.5809% | 3,715 |
| Net loans and leases to total assets | 74.0915% | 1,649 |
| Net loans and leases to deposits | 93.1806% | 1,234 |
| Net loans and leases to core deposits | 108.2095% | 939 |
| Total domestic deposits to total assets | 79.5139% | 4,976 |
| Equity capital to assets | 11.5501% | 2,374 |
| Core capital (leverage) ratio | 11.3999% | 2,071 |
| Tier 1 risk-based capital ratio | 15.0993% | 3,301 |
| Total risk-based capital ratio | 16.0415% | 3,408 |
| Memoranda: | ||
| Average total assets | $46,901,670 | 5,749 |
| Average earning assets | $44,526,670 | 5,698 |
| Average equity | $5,205,330 | 5,728 |
| Average total loans | $34,441,670 | 5,313 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1472% | 2,641 |
| Cost of funding earning assets | 0.5874% | 1,520 |
| Net interest margin | 3.5598% | 3,178 |
| Noninterest income to average assets | 0.5732% | 2,815 |
| Noninterest expense to average assets | 1.7110% | 6,000 |
| Loan and lease loss provision to assets | 0.0506% | 2,923 |
| Net operating income to assets | 1.4160% | 1,005 |
| Return on assets (ROA) | 1.4160% | 1,060 |
| Pretax return on assets | 2.1831% | 396 |
| Return on Equity (ROE) | 13.0144% | 1,087 |
| Retained earnings to average equity (ytd only) | 7.2044% | 1,919 |
| Net charge-offs to loans | -0.0116% | 4,780 |
| Credit loss provision to net charge-offs | -600.0000% | 4,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3761% | 6,202 |
| Assets per employee ($millions) | 6.7121% | 968 |
| Cash dividends to net income (ytd only)* | 44.6429% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9310% | 5,327 |
| Loan loss allowance to noncurrent loans | 162.3116% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 0.4235% | 4,339 |
| Noncurrent loans to loans | 0.5736% | 3,865 |
| Net loans and leases to total assets | 73.1553% | 1,627 |
| Net loans and leases to deposits | 88.5123% | 1,559 |
| Net loans and leases to core deposits | 101.4282% | 1,221 |
| Total domestic deposits to total assets | 82.6498% | 4,289 |
| Equity capital to assets | 11.0993% | 2,862 |
| Core capital (leverage) ratio | 11.0728% | 2,345 |
| Tier 1 risk-based capital ratio | 14.2173% | 3,868 |
| Total risk-based capital ratio | 15.1011% | 4,037 |
| Memoranda: | ||
| Average total assets | $47,456,500 | 5,784 |
| Average earning assets | $44,946,000 | 5,738 |
| Average equity | $5,163,500 | 5,791 |
| Average total loans | $34,533,500 | 5,345 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1601% | 3,082 |
| Cost of funding earning assets | 0.6588% | 1,349 |
| Net interest margin | 3.5013% | 3,784 |
| Noninterest income to average assets | 0.5382% | 3,252 |
| Noninterest expense to average assets | 1.8166% | 6,050 |
| Loan and lease loss provision to assets | -0.0043% | 5,895 |
| Net operating income to assets | 1.3103% | 1,287 |
| Return on assets (ROA) | 1.3103% | 1,331 |
| Pretax return on assets | 2.0272% | 490 |
| Return on Equity (ROE) | 12.1845% | 1,361 |
| Retained earnings to average equity (ytd only) | 4.7670% | 2,783 |
| Net charge-offs to loans | 0.0120% | 4,658 |
| Credit loss provision to net charge-offs | -50.0000% | 5,417 |
| Earnings coverage of net charge-offs (x) | 237.7500% | 230 |
| Efficiency ratio | 46.0942% | 6,262 |
| Assets per employee ($millions) | 6.8469% | 907 |
| Cash dividends to net income (ytd only)* | 60.8766% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9194% | 5,411 |
| Loan loss allowance to noncurrent loans | 158.7940% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 0.4152% | 4,436 |
| Noncurrent loans to loans | 0.5790% | 3,933 |
| Net loans and leases to total assets | 71.0566% | 2,065 |
| Net loans and leases to deposits | 83.9252% | 2,227 |
| Net loans and leases to core deposits | 95.6065% | 1,755 |
| Total domestic deposits to total assets | 84.6666% | 3,434 |
| Equity capital to assets | 10.6660% | 3,280 |
| Core capital (leverage) ratio | 10.6006% | 2,837 |
| Tier 1 risk-based capital ratio | 13.6917% | 4,303 |
| Total risk-based capital ratio | 14.5394% | 4,470 |
| Memoranda: | ||
| Average total assets | $47,011,200 | 5,859 |
| Average earning assets | $44,326,000 | 5,824 |
| Average equity | $5,055,600 | 5,844 |
| Average total loans | $33,294,800 | 5,431 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1717% | 3,081 |
| Cost of funding earning assets | 0.6681% | 1,334 |
| Net interest margin | 3.5036% | 3,815 |
| Noninterest income to average assets | 0.5073% | 3,495 |
| Noninterest expense to average assets | 1.8183% | 6,067 |
| Loan and lease loss provision to assets | -0.0057% | 6,077 |
| Net operating income to assets | 1.2939% | 1,384 |
| Return on assets (ROA) | 1.2939% | 1,443 |
| Pretax return on assets | 1.9979% | 575 |
| Return on Equity (ROE) | 12.0067% | 1,478 |
| Retained earnings to average equity (ytd only) | 8.0397% | 1,339 |
| Net charge-offs to loans | 0.0161% | 4,218 |
| Credit loss provision to net charge-offs | -50.0000% | 5,342 |
| Earnings coverage of net charge-offs (x) | 174.8555% | 359 |
| Efficiency ratio | 46.4473% | 6,276 |
| Assets per employee ($millions) | 6.6264% | 957 |
| Cash dividends to net income (ytd only)* | 33.0404% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9954% | 5,240 |
| Loan loss allowance to noncurrent loans | 147.5556% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 0.4851% | 4,431 |
| Noncurrent loans to loans | 0.6746% | 3,922 |
| Net loans and leases to total assets | 71.1911% | 1,994 |
| Net loans and leases to deposits | 84.4920% | 2,088 |
| Net loans and leases to core deposits | 101.3660% | 1,261 |
| Total domestic deposits to total assets | 84.2578% | 3,653 |
| Equity capital to assets | 11.1825% | 2,782 |
| Core capital (leverage) ratio | 10.8974% | 2,581 |
| Tier 1 risk-based capital ratio | 14.1181% | 4,132 |
| Total risk-based capital ratio | 15.0263% | 4,305 |
| Memoranda: | ||
| Average total assets | $46,782,000 | 5,940 |
| Average earning assets | $44,106,000 | 5,898 |
| Average equity | $5,041,500 | 5,905 |
| Average total loans | $33,025,500 | 5,491 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1218% | 3,254 |
| Cost of funding earning assets | 0.6817% | 1,300 |
| Net interest margin | 3.4401% | 4,012 |
| Noninterest income to average assets | 0.4860% | 3,588 |
| Noninterest expense to average assets | 1.7905% | 6,159 |
| Loan and lease loss provision to assets | -0.0043% | 6,214 |
| Net operating income to assets | 1.2661% | 1,407 |
| Return on assets (ROA) | 1.2661% | 1,461 |
| Pretax return on assets | 1.9482% | 620 |
| Return on Equity (ROE) | 11.8967% | 1,455 |
| Retained earnings to average equity (ytd only) | 8.8924% | 1,027 |
| Net charge-offs to loans | 0.1276% | 2,391 |
| Credit loss provision to net charge-offs | -4.7619% | 5,061 |
| Earnings coverage of net charge-offs (x) | 21.7143% | 1,532 |
| Efficiency ratio | 46.6895% | 6,334 |
| Assets per employee ($millions) | 6.7346% | 908 |
| Cash dividends to net income (ytd only)* | 25.2525% | 2,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9456% | 5,583 |
| Loan loss allowance to noncurrent loans | 140.4444% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 1.0288% | 3,013 |
| Noncurrent loans to loans | 0.6733% | 4,031 |
| Net loans and leases to total assets | 70.2155% | 2,045 |
| Net loans and leases to deposits | 83.2122% | 2,122 |
| Net loans and leases to core deposits | 99.4263% | 1,328 |
| Total domestic deposits to total assets | 84.3812% | 3,790 |
| Equity capital to assets | 10.8438% | 3,033 |
| Core capital (leverage) ratio | 10.6772% | 2,748 |
| Tier 1 risk-based capital ratio | 13.7652% | 4,406 |
| Total risk-based capital ratio | 14.6225% | 4,617 |
| Memoranda: | ||
| Average total assets | $46,914,330 | 5,988 |
| Average earning assets | $44,301,000 | 5,943 |
| Average equity | $4,993,000 | 5,957 |
| Average total loans | $32,916,000 | 5,535 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1235% | 3,187 |
| Cost of funding earning assets | 0.6963% | 1,269 |
| Net interest margin | 3.4272% | 3,998 |
| Noninterest income to average assets | 0.4701% | 3,628 |
| Noninterest expense to average assets | 1.7350% | 6,304 |
| Loan and lease loss provision to assets | -0.0085% | 6,394 |
| Net operating income to assets | 1.2906% | 1,243 |
| Return on assets (ROA) | 1.2906% | 1,290 |
| Pretax return on assets | 1.9829% | 551 |
| Return on Equity (ROE) | 12.2428% | 1,360 |
| Retained earnings to average equity (ytd only) | 6.1620% | 2,452 |
| Net charge-offs to loans | -0.0122% | 5,129 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3917% | 6,445 |
| Assets per employee ($millions) | 6.7887% | 887 |
| Cash dividends to net income (ytd only)* | 49.6689% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0069% | 5,493 |
| Loan loss allowance to noncurrent loans | 66.6667% | 4,613 |
| Noncurrent assets plus other real estate owned to assets | 1.0669% | 3,124 |
| Noncurrent loans to loans | 1.5103% | 2,528 |
| Net loans and leases to total assets | 69.9291% | 1,897 |
| Net loans and leases to deposits | 83.5685% | 1,866 |
| Net loans and leases to core deposits | 98.0815% | 1,232 |
| Total domestic deposits to total assets | 83.6788% | 4,389 |
| Equity capital to assets | 10.4564% | 3,288 |
| Core capital (leverage) ratio | 10.5588% | 2,858 |
| Tier 1 risk-based capital ratio | 13.3409% | 4,803 |
| Total risk-based capital ratio | 14.2571% | 4,928 |
| Memoranda: | ||
| Average total assets | $46,800,500 | 6,045 |
| Average earning assets | $44,234,500 | 5,997 |
| Average equity | $4,933,500 | 6,013 |
| Average total loans | $32,665,500 | 5,600 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9306% | 4,349 |
| Cost of funding earning assets | 0.8083% | 1,172 |
| Net interest margin | 3.1223% | 5,252 |
| Noninterest income to average assets | 0.6737% | 2,682 |
| Noninterest expense to average assets | 1.7280% | 6,414 |
| Loan and lease loss provision to assets | -0.0064% | 6,262 |
| Net operating income to assets | 1.2447% | 1,410 |
| Return on assets (ROA) | 1.2447% | 1,466 |
| Pretax return on assets | 1.9012% | 598 |
| Return on Equity (ROE) | 12.1184% | 1,381 |
| Retained earnings to average equity (ytd only) | 5.8718% | 2,054 |
| Net charge-offs to loans | -0.0266% | 6,202 |
| Credit loss provision to net charge-offs | 37.5000% | 4,087 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3400% | 6,543 |
| Assets per employee ($millions) | 6.5829% | 951 |
| Cash dividends to net income (ytd only)* | 51.5464% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0642% | 5,296 |
| Loan loss allowance to noncurrent loans | 75.1111% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 0.9766% | 3,465 |
| Noncurrent loans to loans | 1.4168% | 2,767 |
| Net loans and leases to total assets | 68.1944% | 2,322 |
| Net loans and leases to deposits | 80.3272% | 2,417 |
| Net loans and leases to core deposits | 91.2136% | 1,885 |
| Total domestic deposits to total assets | 84.8958% | 3,800 |
| Equity capital to assets | 10.6293% | 3,002 |
| Core capital (leverage) ratio | 10.4073% | 3,014 |
| Tier 1 risk-based capital ratio | 13.7434% | 4,488 |
| Total risk-based capital ratio | 14.7031% | 4,620 |
| Memoranda: | ||
| Average total assets | $46,758,800 | 6,099 |
| Average earning assets | $44,166,600 | 6,047 |
| Average equity | $4,802,600 | 6,116 |
| Average total loans | $30,080,200 | 5,761 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8833% | 4,566 |
| Cost of funding earning assets | 0.8369% | 1,112 |
| Net interest margin | 3.0464% | 5,475 |
| Noninterest income to average assets | 0.6819% | 2,727 |
| Noninterest expense to average assets | 1.7075% | 6,463 |
| Loan and lease loss provision to assets | -0.0057% | 6,459 |
| Net operating income to assets | 1.2189% | 1,574 |
| Return on assets (ROA) | 1.2189% | 1,646 |
| Pretax return on assets | 1.8553% | 788 |
| Return on Equity (ROE) | 11.9694% | 1,481 |
| Retained earnings to average equity (ytd only) | 7.7843% | 1,506 |
| Net charge-offs to loans | -0.0315% | 6,177 |
| Credit loss provision to net charge-offs | 28.5714% | 3,922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6454% | 6,563 |
| Assets per employee ($millions) | 6.4771% | 943 |
| Cash dividends to net income (ytd only)* | 34.9656% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1093% | 5,288 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 66.4601% | 2,567 |
| Net loans and leases to deposits | 80.1367% | 2,387 |
| Net loans and leases to core deposits | 93.0835% | 1,660 |
| Total domestic deposits to total assets | 82.9334% | 4,599 |
| Equity capital to assets | 10.8028% | 2,948 |
| Core capital (leverage) ratio | 10.6010% | 2,890 |
| Tier 1 risk-based capital ratio | 14.1676% | 4,306 |
| Total risk-based capital ratio | 15.1588% | 4,446 |
| Memoranda: | ||
| Average total assets | $46,928,500 | 6,168 |
| Average earning assets | $44,291,500 | 6,117 |
| Average equity | $4,778,750 | 6,197 |
| Average total loans | $29,659,750 | 5,837 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8047% | 4,813 |
| Cost of funding earning assets | 0.8485% | 1,146 |
| Net interest margin | 2.9563% | 5,683 |
| Noninterest income to average assets | 0.7586% | 2,371 |
| Noninterest expense to average assets | 1.6773% | 6,520 |
| Loan and lease loss provision to assets | -0.0042% | 6,567 |
| Net operating income to assets | 1.2348% | 1,503 |
| Return on assets (ROA) | 1.2348% | 1,600 |
| Pretax return on assets | 1.8753% | 779 |
| Return on Equity (ROE) | 12.3655% | 1,385 |
| Retained earnings to average equity (ytd only) | 8.1452% | 1,423 |
| Net charge-offs to loans | -0.0408% | 6,196 |
| Credit loss provision to net charge-offs | 16.6667% | 3,799 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9620% | 6,637 |
| Assets per employee ($millions) | 6.7509% | 810 |
| Cash dividends to net income (ytd only)* | 34.1297% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1662% | 5,168 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 60.6188% | 3,555 |
| Net loans and leases to deposits | 71.4578% | 3,525 |
| Net loans and leases to core deposits | 84.0946% | 2,553 |
| Total domestic deposits to total assets | 84.8316% | 3,977 |
| Equity capital to assets | 10.1786% | 3,688 |
| Core capital (leverage) ratio | 9.9325% | 3,612 |
| Tier 1 risk-based capital ratio | 14.3597% | 4,185 |
| Total risk-based capital ratio | 15.3839% | 4,294 |
| Memoranda: | ||
| Average total assets | $47,458,000 | 6,198 |
| Average earning assets | $44,786,330 | 6,146 |
| Average equity | $4,739,000 | 6,260 |
| Average total loans | $29,389,330 | 5,875 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7747% | 4,905 |
| Cost of funding earning assets | 0.8636% | 1,187 |
| Net interest margin | 2.9112% | 5,791 |
| Noninterest income to average assets | 0.7654% | 2,271 |
| Noninterest expense to average assets | 1.5728% | 6,687 |
| Loan and lease loss provision to assets | -0.0084% | 6,734 |
| Net operating income to assets | 1.2868% | 1,317 |
| Return on assets (ROA) | 1.2868% | 1,418 |
| Pretax return on assets | 1.9513% | 658 |
| Return on Equity (ROE) | 13.0116% | 1,172 |
| Retained earnings to average equity (ytd only) | 8.7594% | 1,465 |
| Net charge-offs to loans | -0.0676% | 6,261 |
| Credit loss provision to net charge-offs | 20.0000% | 3,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3014% | 6,799 |
| Assets per employee ($millions) | 6.7756% | 858 |
| Cash dividends to net income (ytd only)* | 32.6797% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1273% | 5,499 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 62.3205% | 2,998 |
| Net loans and leases to deposits | 73.8932% | 2,930 |
| Net loans and leases to core deposits | 85.3513% | 2,175 |
| Total domestic deposits to total assets | 84.3387% | 4,339 |
| Equity capital to assets | 10.0150% | 4,134 |
| Core capital (leverage) ratio | 9.7594% | 3,718 |
| Tier 1 risk-based capital ratio | 14.2253% | 4,344 |
| Total risk-based capital ratio | 15.2574% | 4,456 |
| Memoranda: | ||
| Average total assets | $47,559,000 | 6,254 |
| Average earning assets | $44,930,500 | 6,190 |
| Average equity | $4,703,500 | 6,334 |
| Average total loans | $29,592,000 | 5,911 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9961% | 5,319 |
| Cost of funding earning assets | 1.0720% | 1,010 |
| Net interest margin | 2.9241% | 6,182 |
| Noninterest income to average assets | 1.1204% | 1,237 |
| Noninterest expense to average assets | 1.6291% | 6,779 |
| Loan and lease loss provision to assets | 0.0279% | 5,546 |
| Net operating income to assets | 1.4552% | 995 |
| Return on assets (ROA) | 1.4552% | 1,109 |
| Pretax return on assets | 2.2150% | 397 |
| Return on Equity (ROE) | 14.6880% | 875 |
| Retained earnings to average equity (ytd only) | 6.0225% | 2,066 |
| Net charge-offs to loans | 0.0395% | 5,365 |
| Credit loss provision to net charge-offs | 118.1818% | 2,432 |
| Earnings coverage of net charge-offs (x) | 95.0000% | 408 |
| Efficiency ratio | 40.7982% | 6,916 |
| Assets per employee ($millions) | 6.8127% | 853 |
| Cash dividends to net income (ytd only)* | 58.9971% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1369% | 5,398 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 60.7184% | 3,470 |
| Net loans and leases to deposits | 71.6413% | 3,472 |
| Net loans and leases to core deposits | 83.6951% | 2,582 |
| Total domestic deposits to total assets | 84.7533% | 3,963 |
| Equity capital to assets | 9.7654% | 4,505 |
| Core capital (leverage) ratio | 9.3315% | 4,359 |
| Tier 1 risk-based capital ratio | 14.0459% | 4,352 |
| Total risk-based capital ratio | 15.0773% | 4,467 |
| Memoranda: | ||
| Average total assets | $46,590,800 | 6,309 |
| Average earning assets | $43,843,000 | 6,240 |
| Average equity | $4,616,000 | 6,409 |
| Average total loans | $27,832,400 | 6,043 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0517% | 5,353 |
| Cost of funding earning assets | 1.1134% | 1,010 |
| Net interest margin | 2.9383% | 6,293 |
| Noninterest income to average assets | 1.1630% | 1,128 |
| Noninterest expense to average assets | 1.5890% | 6,885 |
| Loan and lease loss provision to assets | 0.0374% | 5,307 |
| Net operating income to assets | 1.5056% | 1,008 |
| Return on assets (ROA) | 1.5056% | 1,122 |
| Pretax return on assets | 2.2943% | 405 |
| Return on Equity (ROE) | 15.1402% | 877 |
| Retained earnings to average equity (ytd only) | 12.2453% | 493 |
| Net charge-offs to loans | 0.0534% | 4,903 |
| Credit loss provision to net charge-offs | 118.1818% | 2,450 |
| Earnings coverage of net charge-offs (x) | 73.6176% | 567 |
| Efficiency ratio | 39.2805% | 7,027 |
| Assets per employee ($millions) | 7.9600% | 486 |
| Cash dividends to net income (ytd only)* | 19.1203% | 3,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1894% | 5,330 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2178% | 6,167 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 57.9229% | 4,149 |
| Net loans and leases to deposits | 68.4837% | 4,101 |
| Net loans and leases to core deposits | 84.8277% | 2,601 |
| Total domestic deposits to total assets | 84.5791% | 3,940 |
| Equity capital to assets | 10.0942% | 4,362 |
| Core capital (leverage) ratio | 9.7631% | 3,850 |
| Tier 1 risk-based capital ratio | 14.8958% | 3,923 |
| Total risk-based capital ratio | 15.9570% | 4,008 |
| Memoranda: | ||
| Average total assets | $46,316,250 | 6,390 |
| Average earning assets | $43,470,000 | 6,325 |
| Average equity | $4,605,750 | 6,486 |
| Average total loans | $27,468,250 | 6,138 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0516% | 5,481 |
| Cost of funding earning assets | 1.1457% | 1,048 |
| Net interest margin | 2.9058% | 6,421 |
| Noninterest income to average assets | 1.0429% | 1,338 |
| Noninterest expense to average assets | 1.5970% | 6,928 |
| Loan and lease loss provision to assets | 0.0611% | 4,885 |
| Net operating income to assets | 1.4050% | 1,186 |
| Return on assets (ROA) | 1.4050% | 1,320 |
| Pretax return on assets | 2.1294% | 547 |
| Return on Equity (ROE) | 14.2038% | 1,069 |
| Retained earnings to average equity (ytd only) | 9.7927% | 1,034 |
| Net charge-offs to loans | 0.0953% | 4,208 |
| Credit loss provision to net charge-offs | 107.6923% | 2,531 |
| Earnings coverage of net charge-offs (x) | 38.6154% | 898 |
| Efficiency ratio | 40.8986% | 7,048 |
| Assets per employee ($millions) | 8.0740% | 455 |
| Cash dividends to net income (ytd only)* | 31.0559% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1791% | 5,450 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2147% | 6,242 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 57.4375% | 4,254 |
| Net loans and leases to deposits | 67.6464% | 4,262 |
| Net loans and leases to core deposits | 83.8304% | 2,711 |
| Total domestic deposits to total assets | 84.9083% | 3,897 |
| Equity capital to assets | 9.5450% | 4,996 |
| Core capital (leverage) ratio | 9.6132% | 3,974 |
| Tier 1 risk-based capital ratio | 14.2189% | 4,290 |
| Total risk-based capital ratio | 15.2754% | 4,391 |
| Memoranda: | ||
| Average total assets | $45,835,000 | 6,441 |
| Average earning assets | $43,292,000 | 6,370 |
| Average equity | $4,534,000 | 6,537 |
| Average total loans | $27,292,000 | 6,192 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1526% | 5,269 |
| Cost of funding earning assets | 1.2041% | 965 |
| Net interest margin | 2.9486% | 6,391 |
| Noninterest income to average assets | 1.1408% | 1,086 |
| Noninterest expense to average assets | 1.6079% | 6,968 |
| Loan and lease loss provision to assets | 0.0808% | 4,383 |
| Net operating income to assets | 1.4821% | 1,053 |
| Return on assets (ROA) | 1.4821% | 1,179 |
| Pretax return on assets | 2.2457% | 498 |
| Return on Equity (ROE) | 14.7026% | 1,037 |
| Retained earnings to average equity (ytd only) | 14.7026% | 482 |
| Net charge-offs to loans | 0.1191% | 3,398 |
| Credit loss provision to net charge-offs | 112.5000% | 2,097 |
| Earnings coverage of net charge-offs (x) | 32.3750% | 868 |
| Efficiency ratio | 39.4977% | 7,114 |
| Assets per employee ($millions) | 7.3320% | 643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2425% | 5,298 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2500% | 6,261 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 59.9859% | 3,669 |
| Net loans and leases to deposits | 72.1879% | 3,407 |
| Net loans and leases to core deposits | 80.5402% | 3,007 |
| Total domestic deposits to total assets | 83.0969% | 4,887 |
| Equity capital to assets | 10.3951% | 3,622 |
| Core capital (leverage) ratio | 9.8335% | 3,593 |
| Tier 1 risk-based capital ratio | 14.5341% | 4,078 |
| Total risk-based capital ratio | 15.6292% | 4,162 |
| Memoranda: | ||
| Average total assets | $44,530,500 | 6,522 |
| Average earning assets | $42,190,000 | 6,450 |
| Average equity | $4,489,000 | 6,585 |
| Average total loans | $26,859,500 | 6,257 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2573% | 5,894 |
| Cost of funding earning assets | 1.5422% | 606 |
| Net interest margin | 2.7152% | 6,909 |
| Noninterest income to average assets | 0.7389% | 2,395 |
| Noninterest expense to average assets | 1.6738% | 7,070 |
| Loan and lease loss provision to assets | -0.1596% | 7,294 |
| Net operating income to assets | 1.1835% | 1,552 |
| Return on assets (ROA) | 1.1835% | 1,667 |
| Pretax return on assets | 1.7742% | 849 |
| Return on Equity (ROE) | 12.2805% | 1,337 |
| Retained earnings to average equity (ytd only) | 7.5482% | 1,256 |
| Net charge-offs to loans | -0.3482% | 7,254 |
| Credit loss provision to net charge-offs | 79.5455% | 4,475 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3759% | 6,867 |
| Assets per employee ($millions) | 7.5115% | 573 |
| Cash dividends to net income (ytd only)* | 38.5356% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2260% | 5,272 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2663% | 6,302 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 59.1693% | 4,160 |
| Net loans and leases to deposits | 70.5626% | 4,013 |
| Net loans and leases to core deposits | 79.2717% | 3,537 |
| Total domestic deposits to total assets | 83.8536% | 4,379 |
| Equity capital to assets | 9.7739% | 4,478 |
| Core capital (leverage) ratio | 9.2570% | 4,384 |
| Tier 1 risk-based capital ratio | 13.8403% | 4,452 |
| Total risk-based capital ratio | 14.9221% | 4,534 |
| Memoranda: | ||
| Average total assets | $43,851,200 | 6,545 |
| Average earning assets | $41,176,200 | 6,488 |
| Average equity | $4,226,200 | 6,689 |
| Average total loans | $25,272,200 | 6,405 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2355% | 6,123 |
| Cost of funding earning assets | 1.6047% | 566 |
| Net interest margin | 2.6309% | 7,050 |
| Noninterest income to average assets | 0.6675% | 2,787 |
| Noninterest expense to average assets | 1.6595% | 7,135 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9951% | 2,343 |
| Return on assets (ROA) | 0.9951% | 2,491 |
| Pretax return on assets | 1.4727% | 1,730 |
| Return on Equity (ROE) | 10.3628% | 2,081 |
| Retained earnings to average equity (ytd only) | 7.1742% | 1,876 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3196% | 6,741 |
| Assets per employee ($millions) | 7.3520% | 620 |
| Cash dividends to net income (ytd only)* | 30.7694% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1735% | 5,572 |
| Loan loss allowance to noncurrent loans | 137.8855% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 0.8070% | 5,156 |
| Noncurrent loans to loans | 0.8510% | 5,167 |
| Net loans and leases to total assets | 59.7570% | 4,172 |
| Net loans and leases to deposits | 73.0781% | 3,794 |
| Net loans and leases to core deposits | 82.6410% | 3,236 |
| Total domestic deposits to total assets | 81.7714% | 5,172 |
| Equity capital to assets | 9.8114% | 4,609 |
| Core capital (leverage) ratio | 9.3928% | 4,316 |
| Tier 1 risk-based capital ratio | 13.7797% | 4,516 |
| Total risk-based capital ratio | 14.8227% | 4,653 |
| Memoranda: | ||
| Average total assets | $43,546,750 | 6,611 |
| Average earning assets | $40,796,750 | 6,555 |
| Average equity | $4,181,500 | 6,756 |
| Average total loans | $24,840,750 | 6,488 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1989% | 6,279 |
| Cost of funding earning assets | 1.6332% | 615 |
| Net interest margin | 2.5657% | 7,142 |
| Noninterest income to average assets | 0.6043% | 3,108 |
| Noninterest expense to average assets | 1.6606% | 7,219 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9133% | 2,578 |
| Return on assets (ROA) | 0.9133% | 2,681 |
| Pretax return on assets | 1.3423% | 1,993 |
| Return on Equity (ROE) | 9.5822% | 2,283 |
| Retained earnings to average equity (ytd only) | 4.7427% | 3,165 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6098% | 6,657 |
| Assets per employee ($millions) | 7.3643% | 609 |
| Cash dividends to net income (ytd only)* | 50.5051% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2667% | 5,217 |
| Loan loss allowance to noncurrent loans | 88.6686% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 1.0908% | 4,707 |
| Noncurrent loans to loans | 1.4286% | 4,274 |
| Net loans and leases to total assets | 55.2121% | 5,121 |
| Net loans and leases to deposits | 65.5560% | 5,064 |
| Net loans and leases to core deposits | 75.5903% | 4,369 |
| Total domestic deposits to total assets | 84.2212% | 4,253 |
| Equity capital to assets | 9.4691% | 4,860 |
| Core capital (leverage) ratio | 8.9448% | 4,814 |
| Tier 1 risk-based capital ratio | 14.1319% | 4,071 |
| Total risk-based capital ratio | 15.2371% | 4,154 |
| Memoranda: | ||
| Average total assets | $43,358,330 | 6,664 |
| Average earning assets | $40,534,670 | 6,619 |
| Average equity | $4,132,670 | 6,805 |
| Average total loans | $24,230,000 | 6,578 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2075% | 6,266 |
| Cost of funding earning assets | 1.6412% | 699 |
| Net interest margin | 2.5663% | 7,150 |
| Noninterest income to average assets | 0.5030% | 3,862 |
| Noninterest expense to average assets | 1.6766% | 7,248 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8476% | 2,788 |
| Return on assets (ROA) | 0.8476% | 2,847 |
| Pretax return on assets | 1.2295% | 2,271 |
| Return on Equity (ROE) | 8.8629% | 2,525 |
| Retained earnings to average equity (ytd only) | 8.8629% | 1,421 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0897% | 6,492 |
| Assets per employee ($millions) | 7.2043% | 664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2724% | 5,281 |
| Loan loss allowance to noncurrent loans | 88.1690% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 1.1197% | 4,685 |
| Noncurrent loans to loans | 1.4431% | 4,302 |
| Net loans and leases to total assets | 56.1861% | 4,965 |
| Net loans and leases to deposits | 67.1153% | 4,811 |
| Net loans and leases to core deposits | 75.5874% | 4,352 |
| Total domestic deposits to total assets | 83.7158% | 4,613 |
| Equity capital to assets | 9.5961% | 4,317 |
| Core capital (leverage) ratio | 9.3212% | 4,092 |
| Tier 1 risk-based capital ratio | 14.2872% | 3,881 |
| Total risk-based capital ratio | 15.4083% | 3,936 |
| Memoranda: | ||
| Average total assets | $42,944,500 | 6,730 |
| Average earning assets | $40,214,000 | 6,680 |
| Average equity | $4,107,000 | 6,844 |
| Average total loans | $23,990,500 | 6,647 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7630% | 5,567 |
| Cost of funding earning assets | 1.8366% | 1,043 |
| Net interest margin | 2.9264% | 6,858 |
| Noninterest income to average assets | 0.7449% | 2,568 |
| Noninterest expense to average assets | 1.8523% | 7,218 |
| Loan and lease loss provision to assets | 0.3228% | 4,232 |
| Net operating income to assets | 0.8840% | 2,452 |
| Return on assets (ROA) | 0.8840% | 2,586 |
| Pretax return on assets | 1.3036% | 1,916 |
| Return on Equity (ROE) | 8.6228% | 2,454 |
| Retained earnings to average equity (ytd only) | 2.5675% | 4,068 |
| Net charge-offs to loans | 0.4879% | 3,669 |
| Credit loss provision to net charge-offs | 111.1111% | 3,954 |
| Earnings coverage of net charge-offs (x) | 5.5983% | 2,584 |
| Efficiency ratio | 51.6774% | 7,006 |
| Assets per employee ($millions) | 7.1105% | 712 |
| Cash dividends to net income (ytd only)* | 70.2247% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3387% | 4,805 |
| Loan loss allowance to noncurrent loans | 87.6751% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 1.1392% | 4,733 |
| Noncurrent loans to loans | 1.5269% | 4,200 |
| Net loans and leases to total assets | 54.0703% | 5,623 |
| Net loans and leases to deposits | 64.5548% | 5,565 |
| Net loans and leases to core deposits | 72.5980% | 5,152 |
| Total domestic deposits to total assets | 83.7588% | 4,473 |
| Equity capital to assets | 9.5305% | 4,368 |
| Core capital (leverage) ratio | 9.3748% | 3,891 |
| Tier 1 risk-based capital ratio | 14.4469% | 3,585 |
| Total risk-based capital ratio | 15.6084% | 3,594 |
| Memoranda: | ||
| Average total assets | $40,273,600 | 6,859 |
| Average earning assets | $37,623,400 | 6,812 |
| Average equity | $4,128,600 | 6,946 |
| Average total loans | $23,979,400 | 6,729 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9068% | 5,236 |
| Cost of funding earning assets | 1.8966% | 1,038 |
| Net interest margin | 3.0102% | 6,812 |
| Noninterest income to average assets | 0.6351% | 3,218 |
| Noninterest expense to average assets | 1.8583% | 7,254 |
| Loan and lease loss provision to assets | 0.4369% | 3,288 |
| Net operating income to assets | 0.7964% | 3,013 |
| Return on assets (ROA) | 0.7964% | 3,176 |
| Pretax return on assets | 1.1560% | 2,653 |
| Return on Equity (ROE) | 7.6248% | 3,055 |
| Retained earnings to average equity (ytd only) | 7.6248% | 1,548 |
| Net charge-offs to loans | 0.5249% | 3,200 |
| Credit loss provision to net charge-offs | 136.8421% | 2,918 |
| Earnings coverage of net charge-offs (x) | 4.9896% | 2,880 |
| Efficiency ratio | 52.1908% | 6,956 |
| Assets per employee ($millions) | 6.3717% | 1,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3917% | 4,510 |
| Loan loss allowance to noncurrent loans | 129.3436% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 1.0149% | 5,063 |
| Noncurrent loans to loans | 1.0760% | 5,082 |
| Net loans and leases to total assets | 62.0874% | 4,515 |
| Net loans and leases to deposits | 73.1757% | 4,657 |
| Net loans and leases to core deposits | 82.2852% | 4,202 |
| Total domestic deposits to total assets | 84.8470% | 3,698 |
| Equity capital to assets | 11.1483% | 2,817 |
| Core capital (leverage) ratio | 10.3005% | 2,917 |
| Tier 1 risk-based capital ratio | 15.0899% | 3,205 |
| Total risk-based capital ratio | 16.3406% | 3,197 |
| Memoranda: | ||
| Average total assets | $39,676,250 | 6,956 |
| Average earning assets | $37,118,000 | 6,914 |
| Average equity | $4,144,250 | 7,033 |
| Average total loans | $24,129,000 | 6,814 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8725% | 5,519 |
| Cost of funding earning assets | 1.9725% | 976 |
| Net interest margin | 2.9000% | 7,009 |
| Noninterest income to average assets | 0.4333% | 4,659 |
| Noninterest expense to average assets | 1.7929% | 7,394 |
| Loan and lease loss provision to assets | 0.1494% | 5,406 |
| Net operating income to assets | 0.8217% | 2,869 |
| Return on assets (ROA) | 0.8217% | 3,018 |
| Pretax return on assets | 1.2002% | 2,416 |
| Return on Equity (ROE) | 8.0390% | 2,870 |
| Retained earnings to average equity (ytd only) | 8.0390% | 1,426 |
| Net charge-offs to loans | 0.0414% | 5,796 |
| Credit loss provision to net charge-offs | 600.0000% | 608 |
| Earnings coverage of net charge-offs (x) | 54.2000% | 557 |
| Efficiency ratio | 55.3090% | 6,728 |
| Assets per employee ($millions) | 6.6348% | 900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3296% | 4,771 |
| Loan loss allowance to noncurrent loans | 130.5221% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 1.1756% | 4,791 |
| Noncurrent loans to loans | 1.0187% | 5,271 |
| Net loans and leases to total assets | 60.5868% | 4,950 |
| Net loans and leases to deposits | 71.9669% | 5,001 |
| Net loans and leases to core deposits | 81.6320% | 4,473 |
| Total domestic deposits to total assets | 84.1870% | 4,018 |
| Equity capital to assets | 10.4851% | 3,427 |
| Core capital (leverage) ratio | 9.7062% | 3,527 |
| Tier 1 risk-based capital ratio | 14.5183% | 3,436 |
| Total risk-based capital ratio | 15.7156% | 3,426 |
| Memoranda: | ||
| Average total assets | $40,158,330 | 6,994 |
| Average earning assets | $37,516,670 | 6,949 |
| Average equity | $4,105,000 | 7,079 |
| Average total loans | $24,148,330 | 6,855 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8866% | 5,531 |
| Cost of funding earning assets | 2.0034% | 1,072 |
| Net interest margin | 2.8832% | 7,043 |
| Noninterest income to average assets | 0.4264% | 4,689 |
| Noninterest expense to average assets | 1.8149% | 7,450 |
| Loan and lease loss provision to assets | 0.1488% | 5,063 |
| Net operating income to assets | 0.7934% | 2,997 |
| Return on assets (ROA) | 0.7934% | 3,108 |
| Pretax return on assets | 1.1603% | 2,512 |
| Return on Equity (ROE) | 7.8614% | 2,957 |
| Retained earnings to average equity (ytd only) | 7.8614% | 1,767 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1905% | 6,737 |
| Assets per employee ($millions) | 6.7447% | 890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3054% | 4,905 |
| Loan loss allowance to noncurrent loans | 33.2629% | 6,185 |
| Noncurrent assets plus other real estate owned to assets | 2.8813% | 2,496 |
| Noncurrent loans to loans | 3.9244% | 2,017 |
| Net loans and leases to total assets | 58.8514% | 5,305 |
| Net loans and leases to deposits | 70.1296% | 5,328 |
| Net loans and leases to core deposits | 78.6786% | 4,939 |
| Total domestic deposits to total assets | 83.9182% | 4,180 |
| Equity capital to assets | 10.1191% | 3,722 |
| Core capital (leverage) ratio | 9.5233% | 3,732 |
| Tier 1 risk-based capital ratio | 14.3117% | 3,483 |
| Total risk-based capital ratio | 15.4827% | 3,488 |
| Memoranda: | ||
| Average total assets | $40,333,000 | 7,075 |
| Average earning assets | $37,736,000 | 7,029 |
| Average equity | $4,070,500 | 7,158 |
| Average total loans | $24,000,500 | 6,944 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3941% | 4,729 |
| Cost of funding earning assets | 2.2788% | 1,733 |
| Net interest margin | 3.1153% | 6,329 |
| Noninterest income to average assets | 0.8413% | 2,223 |
| Noninterest expense to average assets | 1.8039% | 7,604 |
| Loan and lease loss provision to assets | 0.3335% | 4,807 |
| Net operating income to assets | 1.0864% | 1,548 |
| Return on assets (ROA) | 1.0864% | 1,595 |
| Pretax return on assets | 1.6397% | 882 |
| Return on Equity (ROE) | 10.3217% | 1,603 |
| Retained earnings to average equity (ytd only) | 0.7201% | 4,506 |
| Net charge-offs to loans | 0.5174% | 3,710 |
| Credit loss provision to net charge-offs | 102.3256% | 5,404 |
| Earnings coverage of net charge-offs (x) | 6.0543% | 2,443 |
| Efficiency ratio | 46.2876% | 7,700 |
| Assets per employee ($millions) | 6.6997% | 905 |
| Cash dividends to net income (ytd only)* | 93.0233% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2568% | 5,004 |
| Loan loss allowance to noncurrent loans | 111.9403% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.6667% | 5,800 |
| Noncurrent loans to loans | 1.1227% | 5,086 |
| Net loans and leases to total assets | 58.6348% | 5,549 |
| Net loans and leases to deposits | 69.8184% | 5,630 |
| Net loans and leases to core deposits | 93.6098% | 4,715 |
| Total domestic deposits to total assets | 83.9818% | 4,033 |
| Equity capital to assets | 10.0652% | 3,670 |
| Core capital (leverage) ratio | 9.6635% | 3,507 |
| Tier 1 risk-based capital ratio | 14.4319% | 3,245 |
| Total risk-based capital ratio | 15.5819% | 3,250 |
| Memoranda: | ||
| Average total assets | $39,580,400 | 7,112 |
| Average earning assets | $37,299,800 | 7,042 |
| Average equity | $4,166,000 | 7,226 |
| Average total loans | $24,932,200 | 6,920 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5133% | 4,351 |
| Cost of funding earning assets | 2.3511% | 1,803 |
| Net interest margin | 3.1623% | 6,137 |
| Noninterest income to average assets | 0.9266% | 1,878 |
| Noninterest expense to average assets | 1.7788% | 7,679 |
| Loan and lease loss provision to assets | 0.2266% | 5,158 |
| Net operating income to assets | 1.2479% | 1,348 |
| Return on assets (ROA) | 1.2479% | 1,416 |
| Pretax return on assets | 1.9006% | 656 |
| Return on Equity (ROE) | 11.7252% | 1,435 |
| Retained earnings to average equity (ytd only) | 8.5477% | 958 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5411% | 7,787 |
| Assets per employee ($millions) | 6.2998% | 1,076 |
| Cash dividends to net income (ytd only)* | 27.1001% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4814% | 3,539 |
| Loan loss allowance to noncurrent loans | 149.1803% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.6455% | 5,841 |
| Noncurrent loans to loans | 0.9930% | 5,319 |
| Net loans and leases to total assets | 64.0440% | 4,863 |
| Net loans and leases to deposits | 77.5400% | 4,814 |
| Net loans and leases to core deposits | 105.3438% | 3,776 |
| Total domestic deposits to total assets | 82.5948% | 4,403 |
| Equity capital to assets | 11.4051% | 2,669 |
| Core capital (leverage) ratio | 10.3374% | 2,938 |
| Tier 1 risk-based capital ratio | 15.3616% | 2,889 |
| Total risk-based capital ratio | 16.6142% | 2,829 |
| Memoranda: | ||
| Average total assets | $39,426,000 | 7,178 |
| Average earning assets | $37,145,500 | 7,110 |
| Average equity | $4,196,000 | 7,283 |
| Average total loans | $25,197,750 | 6,959 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4437% | 4,922 |
| Cost of funding earning assets | 2.3823% | 2,040 |
| Net interest margin | 3.0614% | 6,362 |
| Noninterest income to average assets | 1.0258% | 1,512 |
| Noninterest expense to average assets | 1.6913% | 7,842 |
| Loan and lease loss provision to assets | 0.1351% | 5,725 |
| Net operating income to assets | 1.3611% | 1,100 |
| Return on assets (ROA) | 1.3611% | 1,169 |
| Pretax return on assets | 2.0867% | 449 |
| Return on Equity (ROE) | 13.0843% | 1,164 |
| Retained earnings to average equity (ytd only) | 8.2739% | 1,127 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2225% | 7,947 |
| Assets per employee ($millions) | 6.6347% | 911 |
| Cash dividends to net income (ytd only)* | 36.7647% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3280% | 4,108 |
| Loan loss allowance to noncurrent loans | 109.0909% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 0.7461% | 5,539 |
| Noncurrent loans to loans | 1.2174% | 4,775 |
| Net loans and leases to total assets | 60.4728% | 5,604 |
| Net loans and leases to deposits | 73.2325% | 5,575 |
| Net loans and leases to core deposits | 100.5766% | 4,451 |
| Total domestic deposits to total assets | 82.5764% | 4,440 |
| Equity capital to assets | 10.5984% | 3,300 |
| Core capital (leverage) ratio | 9.6356% | 3,723 |
| Tier 1 risk-based capital ratio | 14.9119% | 3,060 |
| Total risk-based capital ratio | 16.1524% | 3,000 |
| Memoranda: | ||
| Average total assets | $39,968,330 | 7,208 |
| Average earning assets | $37,695,000 | 7,144 |
| Average equity | $4,157,670 | 7,357 |
| Average total loans | $25,406,330 | 7,000 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4617% | 5,112 |
| Cost of funding earning assets | 2.3981% | 2,304 |
| Net interest margin | 3.0636% | 6,298 |
| Noninterest income to average assets | 1.0088% | 1,459 |
| Noninterest expense to average assets | 1.6480% | 7,870 |
| Loan and lease loss provision to assets | 0.1398% | 5,165 |
| Net operating income to assets | 1.3284% | 1,316 |
| Return on assets (ROA) | 1.3284% | 1,418 |
| Pretax return on assets | 2.1174% | 523 |
| Return on Equity (ROE) | 12.8907% | 1,420 |
| Retained earnings to average equity (ytd only) | 12.8907% | 655 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1995% | 7,993 |
| Assets per employee ($millions) | 6.6567% | 894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2147% | 4,700 |
| Loan loss allowance to noncurrent loans | 104.7138% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 0.7436% | 5,299 |
| Noncurrent loans to loans | 1.1601% | 4,663 |
| Net loans and leases to total assets | 63.3225% | 5,105 |
| Net loans and leases to deposits | 77.2716% | 5,044 |
| Net loans and leases to core deposits | 103.8858% | 4,151 |
| Total domestic deposits to total assets | 81.9479% | 4,571 |
| Equity capital to assets | 10.4707% | 3,490 |
| Core capital (leverage) ratio | 9.6988% | 3,760 |
| Tier 1 risk-based capital ratio | 14.2098% | 3,471 |
| Total risk-based capital ratio | 15.3574% | 3,452 |
| Memoranda: | ||
| Average total assets | $40,048,500 | 7,247 |
| Average earning assets | $37,864,000 | 7,177 |
| Average equity | $4,127,000 | 7,404 |
| Average total loans | $25,911,000 | 7,005 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1673% | 4,683 |
| Cost of funding earning assets | 3.0516% | 1,681 |
| Net interest margin | 3.1156% | 6,607 |
| Noninterest income to average assets | 0.4911% | 4,674 |
| Noninterest expense to average assets | 1.7398% | 7,824 |
| Loan and lease loss provision to assets | 0.1097% | 5,970 |
| Net operating income to assets | 1.0345% | 2,419 |
| Return on assets (ROA) | 1.0345% | 2,311 |
| Pretax return on assets | 1.5674% | 1,491 |
| Return on Equity (ROE) | 10.0594% | 2,243 |
| Retained earnings to average equity (ytd only) | 4.9789% | 2,041 |
| Net charge-offs to loans | 0.0986% | 5,335 |
| Credit loss provision to net charge-offs | 168.0000% | 3,063 |
| Earnings coverage of net charge-offs (x) | 25.6800% | 1,320 |
| Efficiency ratio | 50.9174% | 7,593 |
| Assets per employee ($millions) | 6.6928% | 813 |
| Cash dividends to net income (ytd only)* | 50.5051% | 3,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1327% | 5,036 |
| Loan loss allowance to noncurrent loans | 560.3774% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.1320% | 7,052 |
| Noncurrent loans to loans | 0.2021% | 6,778 |
| Net loans and leases to total assets | 64.5541% | 5,161 |
| Net loans and leases to deposits | 78.0931% | 5,322 |
| Net loans and leases to core deposits | 101.7866% | 4,638 |
| Total domestic deposits to total assets | 82.6630% | 3,917 |
| Equity capital to assets | 10.1402% | 3,873 |
| Core capital (leverage) ratio | 9.4013% | 4,153 |
| Tier 1 risk-based capital ratio | 13.6250% | 3,741 |
| Total risk-based capital ratio | 14.7152% | 3,739 |
| Memoranda: | ||
| Average total assets | $38,279,400 | 7,293 |
| Average earning assets | $35,947,800 | 7,241 |
| Average equity | $3,936,600 | 7,536 |
| Average total loans | $25,359,000 | 7,002 |