Home > Kaw Valley State Bank > Performance and Condition Ratios
Kaw Valley 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 | 3.8296% | 4,149 |
| Cost of funding earning assets | 1.1111% | 3,037 |
| Net interest margin | 2.7184% | 3,796 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 2.3369% | 2,753 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6987% | 3,203 |
| Return on assets (ROA) | 0.7084% | 3,145 |
| Pretax return on assets | 0.7084% | 3,420 |
| Return on Equity (ROE) | 44.6400% | 65 |
| Retained earnings to average equity (ytd only) | 11.5291% | 695 |
| Net charge-offs to loans | -0.0413% | 4,330 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 76.9126% | 1,172 |
| Assets per employee ($millions) | 6.9724% | 2,092 |
| Cash dividends to net income (ytd only)* | 74.1748% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2769% | 1,892 |
| Loan loss allowance to noncurrent loans | 71.0579% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 0.6532% | 815 |
| Noncurrent loans to loans | 1.7970% | 335 |
| Net loans and leases to total assets | 35.8900% | 4,159 |
| Net loans and leases to deposits | 43.4249% | 4,113 |
| Net loans and leases to core deposits | 44.5271% | 4,191 |
| Total domestic deposits to total assets | 82.6400% | 2,974 |
| Equity capital to assets | 2.8085% | 4,548 |
| Core capital (leverage) ratio | 7.8901% | 4,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3378% | 1,019 |
| Memoranda: | ||
| Average total assets | $72,702,400 | 4,091 |
| Average earning assets | $68,937,600 | 4,046 |
| Average equity | $1,153,600 | 4,515 |
| Average total loans | $26,615,600 | 4,191 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6785% | 4,236 |
| Cost of funding earning assets | 0.9569% | 3,142 |
| Net interest margin | 2.7216% | 3,850 |
| Noninterest income to average assets | 0.4600% | 2,156 |
| Noninterest expense to average assets | 2.2983% | 2,795 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7382% | 3,207 |
| Return on assets (ROA) | 0.7512% | 3,159 |
| Pretax return on assets | 0.7512% | 3,447 |
| Return on Equity (ROE) | 59.6200% | 54 |
| Retained earnings to average equity (ytd only) | 16.5279% | 424 |
| Net charge-offs to loans | -0.0659% | 4,425 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 75.6889% | 1,201 |
| Assets per employee ($millions) | 6.6702% | 2,204 |
| Cash dividends to net income (ytd only)* | 72.2772% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2839% | 1,937 |
| Loan loss allowance to noncurrent loans | 42.8916% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 1.1312% | 412 |
| Noncurrent loans to loans | 2.9935% | 136 |
| Net loans and leases to total assets | 37.3000% | 4,142 |
| Net loans and leases to deposits | 41.7349% | 4,167 |
| Net loans and leases to core deposits | 42.7578% | 4,200 |
| Total domestic deposits to total assets | 89.3800% | 1,124 |
| Equity capital to assets | -0.6637% | 4,619 |
| Core capital (leverage) ratio | 8.0279% | 4,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6378% | 999 |
| Memoranda: | ||
| Average total assets | $71,704,000 | 4,114 |
| Average earning assets | $67,996,750 | 4,077 |
| Average equity | $903,500 | 4,547 |
| Average total loans | $26,299,500 | 4,212 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4851% | 4,359 |
| Cost of funding earning assets | 0.8668% | 3,034 |
| Net interest margin | 2.6182% | 4,091 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 2.3472% | 2,660 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5369% | 3,731 |
| Return on assets (ROA) | 0.5650% | 3,675 |
| Pretax return on assets | 0.5650% | 3,859 |
| Return on Equity (ROE) | 29.4100% | 226 |
| Retained earnings to average equity (ytd only) | -0.8778% | 4,201 |
| Net charge-offs to loans | -0.0697% | 4,453 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 81.3840% | 753 |
| Assets per employee ($millions) | 6.6087% | 2,202 |
| Cash dividends to net income (ytd only)* | 102.9851% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3342% | 1,785 |
| Loan loss allowance to noncurrent loans | 41.6568% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 1.1624% | 362 |
| Noncurrent loans to loans | 3.2029% | 127 |
| Net loans and leases to total assets | 35.8100% | 4,180 |
| Net loans and leases to deposits | 41.2690% | 4,181 |
| Net loans and leases to core deposits | 41.7368% | 4,222 |
| Total domestic deposits to total assets | 86.7600% | 2,006 |
| Equity capital to assets | 1.9561% | 4,603 |
| Core capital (leverage) ratio | 8.4846% | 4,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1991% | 931 |
| Memoranda: | ||
| Average total assets | $71,148,000 | 4,136 |
| Average earning assets | $67,602,667 | 4,102 |
| Average equity | $1,367,000 | 4,568 |
| Average total loans | $25,823,667 | 4,232 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5052% | 4,255 |
| Cost of funding earning assets | 0.7439% | 2,911 |
| Net interest margin | 2.7613% | 4,000 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.2281% | 3,016 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6821% | 3,510 |
| Return on assets (ROA) | 0.7389% | 3,332 |
| Pretax return on assets | 0.7389% | 3,590 |
| Return on Equity (ROE) | 38.8200% | 120 |
| Retained earnings to average equity (ytd only) | 11.9448% | 1,279 |
| Net charge-offs to loans | 0.0157% | 1,383 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 120.0000% | 708 |
| Efficiency ratio | 76.5625% | 1,120 |
| Assets per employee ($millions) | 6.2640% | 2,534 |
| Cash dividends to net income (ytd only)* | 69.2308% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3353% | 1,874 |
| Loan loss allowance to noncurrent loans | 172.7273% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 0.2874% | 1,721 |
| Noncurrent loans to loans | 0.7731% | 999 |
| Net loans and leases to total assets | 36.6700% | 4,164 |
| Net loans and leases to deposits | 39.8637% | 4,225 |
| Net loans and leases to core deposits | 40.5072% | 4,261 |
| Total domestic deposits to total assets | 92.0000% | 514 |
| Equity capital to assets | 2.4193% | 4,620 |
| Core capital (leverage) ratio | 8.4205% | 4,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6915% | 771 |
| Memoranda: | ||
| Average total assets | $70,374,000 | 4,196 |
| Average earning assets | $67,214,500 | 4,160 |
| Average equity | $1,339,500 | 4,640 |
| Average total loans | $25,544,500 | 4,295 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1331% | 3,939 |
| Cost of funding earning assets | 0.3329% | 2,608 |
| Net interest margin | 2.8003% | 3,894 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 2.1492% | 3,160 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8059% | 3,308 |
| Return on assets (ROA) | 0.7503% | 3,420 |
| Pretax return on assets | 0.7503% | 3,743 |
| Return on Equity (ROE) | 23.6900% | 256 |
| Retained earnings to average equity (ytd only) | 11.2537% | 830 |
| Net charge-offs to loans | -0.0171% | 4,007 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 72.7273% | 1,359 |
| Assets per employee ($millions) | 6.5313% | 2,310 |
| Cash dividends to net income (ytd only)* | 52.5046% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3463% | 1,703 |
| Loan loss allowance to noncurrent loans | 64.9621% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 0.7349% | 646 |
| Noncurrent loans to loans | 2.0725% | 263 |
| Net loans and leases to total assets | 34.9800% | 4,260 |
| Net loans and leases to deposits | 40.1457% | 4,243 |
| Net loans and leases to core deposits | 40.8019% | 4,257 |
| Total domestic deposits to total assets | 87.1400% | 2,355 |
| Equity capital to assets | 1.4086% | 4,668 |
| Core capital (leverage) ratio | 8.0454% | 4,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8707% | 998 |
| Memoranda: | ||
| Average total assets | $71,841,400 | 4,216 |
| Average earning assets | $69,100,000 | 4,170 |
| Average equity | $2,274,800 | 4,658 |
| Average total loans | $23,368,600 | 4,352 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0106% | 3,870 |
| Cost of funding earning assets | 0.2414% | 2,804 |
| Net interest margin | 2.7692% | 3,802 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 2.1232% | 3,151 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7999% | 3,269 |
| Return on assets (ROA) | 0.7721% | 3,304 |
| Pretax return on assets | 0.7721% | 3,647 |
| Return on Equity (ROE) | 21.4100% | 326 |
| Retained earnings to average equity (ytd only) | 10.7055% | 1,133 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.6349% | 1,428 |
| Assets per employee ($millions) | 6.5183% | 2,303 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3230% | 1,924 |
| Loan loss allowance to noncurrent loans | 54.6774% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 0.8647% | 568 |
| Noncurrent loans to loans | 2.4196% | 222 |
| Net loans and leases to total assets | 35.2600% | 4,260 |
| Net loans and leases to deposits | 37.7478% | 4,316 |
| Net loans and leases to core deposits | 38.4405% | 4,332 |
| Total domestic deposits to total assets | 93.4200% | 465 |
| Equity capital to assets | -0.4672% | 4,740 |
| Core capital (leverage) ratio | 7.7259% | 4,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6925% | 1,048 |
| Memoranda: | ||
| Average total assets | $71,840,750 | 4,248 |
| Average earning assets | $69,043,250 | 4,204 |
| Average equity | $2,590,500 | 4,679 |
| Average total loans | $22,841,500 | 4,393 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8508% | 3,888 |
| Cost of funding earning assets | 0.2055% | 2,844 |
| Net interest margin | 2.6453% | 3,824 |
| Noninterest income to average assets | 0.2504% | 3,671 |
| Noninterest expense to average assets | 2.1979% | 2,866 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5954% | 3,636 |
| Return on assets (ROA) | 0.5759% | 3,638 |
| Pretax return on assets | 0.5759% | 3,859 |
| Return on Equity (ROE) | 11.6107% | 1,789 |
| Retained earnings to average equity (ytd only) | 3.3093% | 3,345 |
| Net charge-offs to loans | -0.0183% | 3,829 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6853% | 1,040 |
| Assets per employee ($millions) | 6.7759% | 2,094 |
| Cash dividends to net income (ytd only)* | 71.4976% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4840% | 1,452 |
| Loan loss allowance to noncurrent loans | 94.1989% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 0.4857% | 1,173 |
| Noncurrent loans to loans | 1.5754% | 462 |
| Net loans and leases to total assets | 30.3710% | 4,451 |
| Net loans and leases to deposits | 30.9981% | 4,528 |
| Net loans and leases to core deposits | 31.7400% | 4,536 |
| Total domestic deposits to total assets | 97.9768% | 27 |
| Equity capital to assets | 1.9025% | 4,728 |
| Core capital (leverage) ratio | 7.8496% | 4,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0455% | 846 |
| Memoranda: | ||
| Average total assets | $71,887,333 | 4,297 |
| Average earning assets | $69,104,000 | 4,258 |
| Average equity | $3,565,667 | 4,647 |
| Average total loans | $21,914,000 | 4,465 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8221% | 3,707 |
| Cost of funding earning assets | 0.2007% | 2,792 |
| Net interest margin | 2.6214% | 3,608 |
| Noninterest income to average assets | 0.2381% | 3,718 |
| Noninterest expense to average assets | 2.2391% | 2,723 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5158% | 3,667 |
| Return on assets (ROA) | 0.5158% | 3,637 |
| Pretax return on assets | 0.5158% | 3,843 |
| Return on Equity (ROE) | 7.8457% | 2,743 |
| Retained earnings to average equity (ytd only) | 0.2586% | 3,967 |
| Net charge-offs to loans | -0.0187% | 3,880 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2757% | 1,043 |
| Assets per employee ($millions) | 6.3550% | 2,495 |
| Cash dividends to net income (ytd only)* | 96.7033% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5787% | 1,328 |
| Loan loss allowance to noncurrent loans | 127.3408% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 0.3819% | 1,586 |
| Noncurrent loans to loans | 1.2397% | 707 |
| Net loans and leases to total assets | 30.3226% | 4,439 |
| Net loans and leases to deposits | 31.8603% | 4,500 |
| Net loans and leases to core deposits | 32.2025% | 4,529 |
| Total domestic deposits to total assets | 95.1734% | 34 |
| Equity capital to assets | 4.7393% | 4,742 |
| Core capital (leverage) ratio | 7.7226% | 4,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2470% | 721 |
| Memoranda: | ||
| Average total assets | $70,563,500 | 4,329 |
| Average earning assets | $67,751,000 | 4,296 |
| Average equity | $4,639,500 | 4,599 |
| Average total loans | $21,382,000 | 4,491 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8563% | 4,126 |
| Cost of funding earning assets | 0.2213% | 3,239 |
| Net interest margin | 2.6350% | 3,985 |
| Noninterest income to average assets | 0.2595% | 3,825 |
| Noninterest expense to average assets | 2.0166% | 3,628 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7757% | 3,405 |
| Return on assets (ROA) | 0.7786% | 3,467 |
| Pretax return on assets | 0.7786% | 3,771 |
| Return on Equity (ROE) | 8.8491% | 2,968 |
| Retained earnings to average equity (ytd only) | 2.0471% | 3,969 |
| Net charge-offs to loans | 0.0441% | 1,404 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 54.7000% | 1,242 |
| Efficiency ratio | 72.2194% | 1,491 |
| Assets per employee ($millions) | 6.4747% | 2,357 |
| Cash dividends to net income (ytd only)* | 76.8670% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5970% | 1,266 |
| Loan loss allowance to noncurrent loans | 84.1191% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 0.5658% | 1,169 |
| Noncurrent loans to loans | 1.8985% | 421 |
| Net loans and leases to total assets | 29.3280% | 4,532 |
| Net loans and leases to deposits | 32.0565% | 4,578 |
| Net loans and leases to core deposits | 32.5348% | 4,593 |
| Total domestic deposits to total assets | 91.4886% | 318 |
| Equity capital to assets | 8.3766% | 4,129 |
| Core capital (leverage) ratio | 7.7015% | 4,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1523% | 636 |
| Memoranda: | ||
| Average total assets | $70,515,400 | 4,336 |
| Average earning assets | $67,780,400 | 4,295 |
| Average equity | $6,204,000 | 4,512 |
| Average total loans | $22,669,200 | 4,520 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8971% | 4,176 |
| Cost of funding earning assets | 0.2227% | 3,399 |
| Net interest margin | 2.6744% | 4,021 |
| Noninterest income to average assets | 0.2483% | 3,907 |
| Noninterest expense to average assets | 2.0036% | 3,660 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8170% | 3,482 |
| Return on assets (ROA) | 0.8208% | 3,544 |
| Pretax return on assets | 0.8208% | 3,853 |
| Return on Equity (ROE) | 9.2172% | 3,036 |
| Retained earnings to average equity (ytd only) | 1.5114% | 4,311 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0349% | 1,490 |
| Assets per employee ($millions) | 6.4524% | 2,295 |
| Cash dividends to net income (ytd only)* | 83.6028% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6529% | 1,220 |
| Loan loss allowance to noncurrent loans | 87.4687% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 0.5622% | 1,369 |
| Noncurrent loans to loans | 1.8897% | 484 |
| Net loans and leases to total assets | 29.2578% | 4,608 |
| Net loans and leases to deposits | 32.0636% | 4,671 |
| Net loans and leases to core deposits | 32.5450% | 4,685 |
| Total domestic deposits to total assets | 91.2492% | 297 |
| Equity capital to assets | 8.5888% | 4,142 |
| Core capital (leverage) ratio | 7.4931% | 4,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6367% | 631 |
| Memoranda: | ||
| Average total assets | $70,338,750 | 4,395 |
| Average earning assets | $67,653,250 | 4,348 |
| Average equity | $6,263,500 | 4,569 |
| Average total loans | $23,029,750 | 4,572 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9178% | 4,194 |
| Cost of funding earning assets | 0.2226% | 3,534 |
| Net interest margin | 2.6952% | 3,991 |
| Noninterest income to average assets | 0.2367% | 3,989 |
| Noninterest expense to average assets | 1.9907% | 3,727 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8356% | 3,404 |
| Return on assets (ROA) | 0.8413% | 3,465 |
| Pretax return on assets | 0.8413% | 3,789 |
| Return on Equity (ROE) | 9.3364% | 3,000 |
| Retained earnings to average equity (ytd only) | 0.6013% | 4,412 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4339% | 1,584 |
| Assets per employee ($millions) | 6.6293% | 2,072 |
| Cash dividends to net income (ytd only)* | 93.5593% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5473% | 1,436 |
| Loan loss allowance to noncurrent loans | 88.3544% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 0.5417% | 1,538 |
| Noncurrent loans to loans | 1.7512% | 597 |
| Net loans and leases to total assets | 30.4531% | 4,637 |
| Net loans and leases to deposits | 33.3499% | 4,696 |
| Net loans and leases to core deposits | 33.7077% | 4,717 |
| Total domestic deposits to total assets | 91.3140% | 279 |
| Equity capital to assets | 8.5310% | 4,181 |
| Core capital (leverage) ratio | 7.9454% | 4,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1101% | 691 |
| Memoranda: | ||
| Average total assets | $70,126,333 | 4,421 |
| Average earning assets | $67,379,667 | 4,376 |
| Average equity | $6,319,333 | 4,588 |
| Average total loans | $23,668,000 | 4,598 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0048% | 4,074 |
| Cost of funding earning assets | 0.2237% | 3,693 |
| Net interest margin | 2.7811% | 3,805 |
| Noninterest income to average assets | 0.2095% | 4,128 |
| Noninterest expense to average assets | 1.9963% | 3,723 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8905% | 3,153 |
| Return on assets (ROA) | 0.8905% | 3,235 |
| Pretax return on assets | 0.8905% | 3,623 |
| Return on Equity (ROE) | 9.6098% | 2,818 |
| Retained earnings to average equity (ytd only) | 5.8412% | 2,949 |
| Net charge-offs to loans | 0.0330% | 1,153 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 76.5000% | 722 |
| Efficiency ratio | 69.1532% | 1,799 |
| Assets per employee ($millions) | 7.1243% | 1,712 |
| Cash dividends to net income (ytd only)* | 39.2157% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4563% | 1,749 |
| Loan loss allowance to noncurrent loans | 102.6627% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 0.4744% | 1,968 |
| Noncurrent loans to loans | 1.4186% | 891 |
| Net loans and leases to total assets | 32.9576% | 4,607 |
| Net loans and leases to deposits | 36.1598% | 4,672 |
| Net loans and leases to core deposits | 36.5578% | 4,706 |
| Total domestic deposits to total assets | 91.1444% | 351 |
| Equity capital to assets | 8.7138% | 3,951 |
| Core capital (leverage) ratio | 7.8801% | 4,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9258% | 685 |
| Memoranda: | ||
| Average total assets | $68,728,500 | 4,452 |
| Average earning assets | $66,160,000 | 4,410 |
| Average equity | $6,368,500 | 4,600 |
| Average total loans | $24,224,000 | 4,609 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7030% | 3,569 |
| Cost of funding earning assets | 0.2929% | 4,188 |
| Net interest margin | 3.4101% | 2,745 |
| Noninterest income to average assets | 0.3157% | 3,577 |
| Noninterest expense to average assets | 2.4434% | 3,015 |
| Loan and lease loss provision to assets | 0.0174% | 4,161 |
| Net operating income to assets | 1.1040% | 1,911 |
| Return on assets (ROA) | 1.1720% | 1,757 |
| Pretax return on assets | 1.1720% | 2,435 |
| Return on Equity (ROE) | 11.0847% | 1,600 |
| Retained earnings to average equity (ytd only) | 7.0929% | 1,364 |
| Net charge-offs to loans | 0.0166% | 2,763 |
| Credit loss provision to net charge-offs | 250.0000% | 1,939 |
| Earnings coverage of net charge-offs (x) | 160.7500% | 544 |
| Efficiency ratio | 68.5421% | 2,158 |
| Assets per employee ($millions) | 6.0195% | 2,325 |
| Cash dividends to net income (ytd only)* | 36.0119% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4175% | 1,898 |
| Loan loss allowance to noncurrent loans | 50.7267% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 1.0738% | 860 |
| Noncurrent loans to loans | 2.7944% | 333 |
| Net loans and leases to total assets | 36.6569% | 4,571 |
| Net loans and leases to deposits | 40.7659% | 4,639 |
| Net loans and leases to core deposits | 41.2558% | 4,671 |
| Total domestic deposits to total assets | 89.9206% | 598 |
| Equity capital to assets | 9.8605% | 3,253 |
| Core capital (leverage) ratio | 8.4251% | 4,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7221% | 691 |
| Memoranda: | ||
| Average total assets | $57,337,800 | 4,550 |
| Average earning assets | $54,631,200 | 4,518 |
| Average equity | $6,062,400 | 4,638 |
| Average total loans | $24,100,400 | 4,637 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8587% | 3,386 |
| Cost of funding earning assets | 0.3078% | 4,279 |
| Net interest margin | 3.5509% | 2,422 |
| Noninterest income to average assets | 0.3387% | 3,451 |
| Noninterest expense to average assets | 2.5859% | 2,576 |
| Loan and lease loss provision to assets | 0.0236% | 4,037 |
| Net operating income to assets | 1.1055% | 1,965 |
| Return on assets (ROA) | 1.1998% | 1,762 |
| Pretax return on assets | 1.1998% | 2,390 |
| Return on Equity (ROE) | 11.1225% | 1,638 |
| Retained earnings to average equity (ytd only) | 7.1534% | 1,631 |
| Net charge-offs to loans | 0.0278% | 2,277 |
| Credit loss provision to net charge-offs | 200.0000% | 2,110 |
| Earnings coverage of net charge-offs (x) | 93.4000% | 827 |
| Efficiency ratio | 69.5964% | 1,947 |
| Assets per employee ($millions) | 4.7570% | 3,530 |
| Cash dividends to net income (ytd only)* | 35.6855% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4164% | 1,666 |
| Loan loss allowance to noncurrent loans | 110.8280% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 0.5904% | 1,963 |
| Noncurrent loans to loans | 1.2780% | 1,163 |
| Net loans and leases to total assets | 42.4305% | 4,481 |
| Net loans and leases to deposits | 47.9216% | 4,556 |
| Net loans and leases to core deposits | 48.6014% | 4,612 |
| Total domestic deposits to total assets | 88.5414% | 956 |
| Equity capital to assets | 11.1695% | 2,265 |
| Core capital (leverage) ratio | 9.0289% | 3,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0507% | 670 |
| Memoranda: | ||
| Average total assets | $55,118,750 | 4,607 |
| Average earning assets | $52,416,750 | 4,571 |
| Average equity | $5,945,750 | 4,671 |
| Average total loans | $23,970,250 | 4,668 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8743% | 3,689 |
| Cost of funding earning assets | 0.3171% | 4,407 |
| Net interest margin | 3.5572% | 2,619 |
| Noninterest income to average assets | 0.2974% | 3,688 |
| Noninterest expense to average assets | 2.6366% | 2,555 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.0392% | 2,188 |
| Return on assets (ROA) | 1.1824% | 1,822 |
| Pretax return on assets | 1.1824% | 2,419 |
| Return on Equity (ROE) | 11.0990% | 1,598 |
| Retained earnings to average equity (ytd only) | 7.9968% | 1,309 |
| Net charge-offs to loans | 0.2440% | 642 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 9.7586% | 2,198 |
| Efficiency ratio | 71.7283% | 1,727 |
| Assets per employee ($millions) | 4.8946% | 3,308 |
| Cash dividends to net income (ytd only)* | 27.9503% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3291% | 1,877 |
| Loan loss allowance to noncurrent loans | 94.5783% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 0.5653% | 2,108 |
| Noncurrent loans to loans | 1.4053% | 1,101 |
| Net loans and leases to total assets | 39.6884% | 4,621 |
| Net loans and leases to deposits | 44.5257% | 4,692 |
| Net loans and leases to core deposits | 45.1352% | 4,732 |
| Total domestic deposits to total assets | 89.1359% | 698 |
| Equity capital to assets | 10.5321% | 2,725 |
| Core capital (leverage) ratio | 9.4703% | 3,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8270% | 1,081 |
| Memoranda: | ||
| Average total assets | $54,463,667 | 4,625 |
| Average earning assets | $51,726,000 | 4,595 |
| Average equity | $5,802,333 | 4,711 |
| Average total loans | $23,770,667 | 4,696 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1243% | 3,452 |
| Cost of funding earning assets | 0.3390% | 4,552 |
| Net interest margin | 3.7853% | 2,035 |
| Noninterest income to average assets | 0.3287% | 3,558 |
| Noninterest expense to average assets | 2.7977% | 2,434 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1160% | 1,799 |
| Return on assets (ROA) | 1.4142% | 1,023 |
| Pretax return on assets | 1.4142% | 1,514 |
| Return on Equity (ROE) | 13.1896% | 848 |
| Retained earnings to average equity (ytd only) | 11.0507% | 558 |
| Net charge-offs to loans | 0.3523% | 403 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 6.9524% | 1,955 |
| Efficiency ratio | 71.4844% | 2,160 |
| Assets per employee ($millions) | 4.4461% | 3,340 |
| Cash dividends to net income (ytd only)* | 16.2162% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3979% | 1,711 |
| Loan loss allowance to noncurrent loans | 132.5103% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 0.4555% | 2,642 |
| Noncurrent loans to loans | 1.0549% | 1,572 |
| Net loans and leases to total assets | 42.5712% | 4,569 |
| Net loans and leases to deposits | 47.9521% | 4,659 |
| Net loans and leases to core deposits | 48.6798% | 4,706 |
| Total domestic deposits to total assets | 88.7785% | 766 |
| Equity capital to assets | 10.8954% | 2,951 |
| Core capital (leverage) ratio | 9.6921% | 3,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5023% | 1,067 |
| Memoranda: | ||
| Average total assets | $52,328,000 | 4,677 |
| Average earning assets | $49,559,500 | 4,645 |
| Average equity | $5,610,500 | 4,772 |
| Average total loans | $23,843,500 | 4,723 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3941% | 3,271 |
| Cost of funding earning assets | 0.3350% | 4,645 |
| Net interest margin | 4.0591% | 1,652 |
| Noninterest income to average assets | 0.3813% | 3,410 |
| Noninterest expense to average assets | 2.8853% | 2,337 |
| Loan and lease loss provision to assets | 0.0393% | 3,232 |
| Net operating income to assets | 1.2913% | 1,726 |
| Return on assets (ROA) | 1.2854% | 1,827 |
| Pretax return on assets | 1.2854% | 2,555 |
| Return on Equity (ROE) | 13.3628% | 1,059 |
| Retained earnings to average equity (ytd only) | 7.8665% | 1,021 |
| Net charge-offs to loans | 0.0803% | 1,958 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | 33.8500% | 1,462 |
| Efficiency ratio | 68.4382% | 2,400 |
| Assets per employee ($millions) | 4.2753% | 3,539 |
| Cash dividends to net income (ytd only)* | 41.1315% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3914% | 1,558 |
| Loan loss allowance to noncurrent loans | 150.4386% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 0.4444% | 2,623 |
| Noncurrent loans to loans | 0.9249% | 1,659 |
| Net loans and leases to total assets | 47.3832% | 4,459 |
| Net loans and leases to deposits | 53.4557% | 4,556 |
| Net loans and leases to core deposits | 54.2999% | 4,639 |
| Total domestic deposits to total assets | 88.6400% | 822 |
| Equity capital to assets | 10.5413% | 3,407 |
| Core capital (leverage) ratio | 9.5383% | 4,018 |
| Tier 1 risk-based capital ratio | 18.3508% | 1,680 |
| Total risk-based capital ratio | 19.5987% | 1,644 |
| Memoranda: | ||
| Average total assets | $50,879,000 | 4,735 |
| Average earning assets | $48,064,800 | 4,710 |
| Average equity | $4,894,200 | 4,895 |
| Average total loans | $24,902,600 | 4,751 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3828% | 3,416 |
| Cost of funding earning assets | 0.3333% | 4,712 |
| Net interest margin | 4.0495% | 1,768 |
| Noninterest income to average assets | 0.3860% | 3,402 |
| Noninterest expense to average assets | 2.8702% | 2,341 |
| Loan and lease loss provision to assets | 0.0263% | 3,371 |
| Net operating income to assets | 1.3183% | 1,775 |
| Return on assets (ROA) | 1.3261% | 1,813 |
| Pretax return on assets | 1.3261% | 2,579 |
| Return on Equity (ROE) | 14.1283% | 954 |
| Retained earnings to average equity (ytd only) | 7.8615% | 1,461 |
| Net charge-offs to loans | -0.0053% | 4,221 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0997% | 2,399 |
| Assets per employee ($millions) | 4.2379% | 3,564 |
| Cash dividends to net income (ytd only)* | 44.3563% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4199% | 1,502 |
| Loan loss allowance to noncurrent loans | 43.3824% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 1.6046% | 651 |
| Noncurrent loans to loans | 3.2729% | 266 |
| Net loans and leases to total assets | 48.3296% | 4,500 |
| Net loans and leases to deposits | 54.1712% | 4,619 |
| Net loans and leases to core deposits | 55.0287% | 4,717 |
| Total domestic deposits to total assets | 89.2164% | 548 |
| Equity capital to assets | 10.1603% | 3,862 |
| Core capital (leverage) ratio | 9.1196% | 4,541 |
| Tier 1 risk-based capital ratio | 17.9548% | 1,836 |
| Total risk-based capital ratio | 19.2018% | 1,778 |
| Memoranda: | ||
| Average total assets | $50,773,000 | 4,803 |
| Average earning assets | $48,004,500 | 4,774 |
| Average equity | $4,765,750 | 4,977 |
| Average total loans | $24,965,250 | 4,817 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2915% | 3,660 |
| Cost of funding earning assets | 0.3208% | 4,767 |
| Net interest margin | 3.9707% | 2,012 |
| Noninterest income to average assets | 0.3468% | 3,614 |
| Noninterest expense to average assets | 2.9244% | 2,212 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1784% | 2,229 |
| Return on assets (ROA) | 1.1902% | 2,244 |
| Pretax return on assets | 1.1902% | 2,939 |
| Return on Equity (ROE) | 13.0397% | 1,226 |
| Retained earnings to average equity (ytd only) | 6.5630% | 2,024 |
| Net charge-offs to loans | -0.0080% | 4,256 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2776% | 2,019 |
| Assets per employee ($millions) | 4.4042% | 3,279 |
| Cash dividends to net income (ytd only)* | 49.6689% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3832% | 1,682 |
| Loan loss allowance to noncurrent loans | 42.7861% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 1.5213% | 734 |
| Noncurrent loans to loans | 3.2329% | 288 |
| Net loans and leases to total assets | 46.4049% | 4,627 |
| Net loans and leases to deposits | 51.3570% | 4,763 |
| Net loans and leases to core deposits | 52.1287% | 4,817 |
| Total domestic deposits to total assets | 90.3576% | 224 |
| Equity capital to assets | 9.4115% | 4,489 |
| Core capital (leverage) ratio | 9.4086% | 4,237 |
| Tier 1 risk-based capital ratio | 16.7336% | 2,168 |
| Total risk-based capital ratio | 17.9449% | 2,122 |
| Memoranda: | ||
| Average total assets | $50,745,670 | 4,833 |
| Average earning assets | $48,001,330 | 4,808 |
| Average equity | $4,632,000 | 5,028 |
| Average total loans | $24,976,330 | 4,857 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2959% | 3,575 |
| Cost of funding earning assets | 0.3245% | 4,755 |
| Net interest margin | 3.9714% | 1,943 |
| Noninterest income to average assets | 0.3703% | 3,375 |
| Noninterest expense to average assets | 2.9541% | 2,122 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1591% | 2,220 |
| Return on assets (ROA) | 1.1269% | 2,411 |
| Pretax return on assets | 1.1269% | 3,059 |
| Return on Equity (ROE) | 12.5532% | 1,367 |
| Retained earnings to average equity (ytd only) | 9.0563% | 1,303 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8200% | 2,060 |
| Assets per employee ($millions) | 4.5773% | 3,077 |
| Cash dividends to net income (ytd only)* | 27.8571% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3671% | 1,796 |
| Loan loss allowance to noncurrent loans | 113.9535% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 0.5978% | 2,280 |
| Noncurrent loans to loans | 1.1997% | 1,378 |
| Net loans and leases to total assets | 49.1480% | 4,519 |
| Net loans and leases to deposits | 54.2961% | 4,668 |
| Net loans and leases to core deposits | 55.1529% | 4,746 |
| Total domestic deposits to total assets | 90.5184% | 281 |
| Equity capital to assets | 9.3347% | 4,400 |
| Core capital (leverage) ratio | 9.2007% | 4,473 |
| Tier 1 risk-based capital ratio | 17.6177% | 1,907 |
| Total risk-based capital ratio | 18.8655% | 1,864 |
| Memoranda: | ||
| Average total assets | $49,693,500 | 4,901 |
| Average earning assets | $46,835,000 | 4,888 |
| Average equity | $4,461,000 | 5,092 |
| Average total loans | $25,030,000 | 4,902 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2098% | 3,412 |
| Cost of funding earning assets | 0.2910% | 4,611 |
| Net interest margin | 3.9188% | 2,266 |
| Noninterest income to average assets | 0.7851% | 1,500 |
| Noninterest expense to average assets | 3.0220% | 2,002 |
| Loan and lease loss provision to assets | 0.0306% | 3,577 |
| Net operating income to assets | 1.4396% | 1,307 |
| Return on assets (ROA) | 1.4274% | 1,336 |
| Pretax return on assets | 1.4274% | 2,049 |
| Return on Equity (ROE) | 17.9496% | 393 |
| Retained earnings to average equity (ytd only) | 13.0007% | 234 |
| Net charge-offs to loans | 0.1656% | 1,165 |
| Credit loss provision to net charge-offs | 36.5854% | 3,305 |
| Earnings coverage of net charge-offs (x) | 17.5854% | 2,184 |
| Efficiency ratio | 67.2719% | 2,661 |
| Assets per employee ($millions) | 4.0864% | 3,765 |
| Cash dividends to net income (ytd only)* | 27.5714% | 3,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3736% | 1,743 |
| Loan loss allowance to noncurrent loans | 149.7817% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 0.4670% | 2,696 |
| Noncurrent loans to loans | 0.9171% | 1,746 |
| Net loans and leases to total assets | 50.2233% | 4,503 |
| Net loans and leases to deposits | 55.0396% | 4,706 |
| Net loans and leases to core deposits | 55.9232% | 4,780 |
| Total domestic deposits to total assets | 91.2495% | 155 |
| Equity capital to assets | 8.6098% | 4,866 |
| Core capital (leverage) ratio | 9.2581% | 4,392 |
| Tier 1 risk-based capital ratio | 17.5940% | 1,871 |
| Total risk-based capital ratio | 18.8444% | 1,827 |
| Memoranda: | ||
| Average total assets | $49,039,800 | 4,951 |
| Average earning assets | $46,391,600 | 4,925 |
| Average equity | $3,899,800 | 5,193 |
| Average total loans | $24,760,800 | 4,948 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1529% | 3,449 |
| Cost of funding earning assets | 0.2811% | 4,626 |
| Net interest margin | 3.8718% | 2,397 |
| Noninterest income to average assets | 0.5057% | 2,834 |
| Noninterest expense to average assets | 3.0151% | 1,975 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1609% | 2,407 |
| Return on assets (ROA) | 1.1446% | 2,474 |
| Pretax return on assets | 1.1446% | 3,216 |
| Return on Equity (ROE) | 14.6971% | 935 |
| Retained earnings to average equity (ytd only) | 9.3209% | 1,107 |
| Net charge-offs to loans | -0.0054% | 4,238 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2005% | 1,852 |
| Assets per employee ($millions) | 3.7422% | 4,248 |
| Cash dividends to net income (ytd only)* | 36.5798% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5372% | 1,236 |
| Loan loss allowance to noncurrent loans | 168.1818% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.4522% | 2,881 |
| Noncurrent loans to loans | 0.9140% | 1,871 |
| Net loans and leases to total assets | 48.7173% | 4,679 |
| Net loans and leases to deposits | 52.9514% | 4,857 |
| Net loans and leases to core deposits | 53.8013% | 4,918 |
| Total domestic deposits to total assets | 92.0038% | 80 |
| Equity capital to assets | 7.7886% | 5,240 |
| Core capital (leverage) ratio | 8.8553% | 4,844 |
| Tier 1 risk-based capital ratio | 17.0873% | 2,073 |
| Total risk-based capital ratio | 18.3375% | 2,013 |
| Memoranda: | ||
| Average total assets | $49,040,500 | 5,011 |
| Average earning assets | $46,489,000 | 4,977 |
| Average equity | $3,819,250 | 5,267 |
| Average total loans | $24,708,250 | 5,006 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0986% | 3,451 |
| Cost of funding earning assets | 0.2618% | 4,691 |
| Net interest margin | 3.8368% | 2,427 |
| Noninterest income to average assets | 0.4678% | 3,048 |
| Noninterest expense to average assets | 2.9814% | 2,090 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1226% | 2,507 |
| Return on assets (ROA) | 1.1226% | 2,510 |
| Pretax return on assets | 1.1226% | 3,222 |
| Return on Equity (ROE) | 14.4151% | 981 |
| Retained earnings to average equity (ytd only) | 8.4088% | 1,442 |
| Net charge-offs to loans | 0.0562% | 1,802 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 39.4286% | 1,314 |
| Efficiency ratio | 72.6462% | 1,893 |
| Assets per employee ($millions) | 3.8989% | 4,059 |
| Cash dividends to net income (ytd only)* | 41.6667% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4523% | 1,548 |
| Loan loss allowance to noncurrent loans | 80.4444% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 1.0338% | 1,449 |
| Noncurrent loans to loans | 1.8053% | 862 |
| Net loans and leases to total assets | 48.4631% | 4,699 |
| Net loans and leases to deposits | 52.4760% | 4,897 |
| Net loans and leases to core deposits | 53.2807% | 4,952 |
| Total domestic deposits to total assets | 92.3529% | 60 |
| Equity capital to assets | 7.5090% | 5,373 |
| Core capital (leverage) ratio | 8.7065% | 4,953 |
| Tier 1 risk-based capital ratio | 15.5585% | 2,613 |
| Total risk-based capital ratio | 16.8093% | 2,549 |
| Memoranda: | ||
| Average total assets | $49,171,330 | 5,060 |
| Average earning assets | $46,601,330 | 5,031 |
| Average equity | $3,829,330 | 5,327 |
| Average total loans | $24,921,000 | 5,060 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9879% | 3,649 |
| Cost of funding earning assets | 0.2531% | 4,692 |
| Net interest margin | 3.7349% | 2,667 |
| Noninterest income to average assets | 0.3801% | 3,589 |
| Noninterest expense to average assets | 2.9413% | 2,220 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9749% | 2,966 |
| Return on assets (ROA) | 0.9749% | 2,994 |
| Pretax return on assets | 0.9749% | 3,622 |
| Return on Equity (ROE) | 12.2885% | 1,479 |
| Retained earnings to average equity (ytd only) | 5.1028% | 3,121 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1055% | 1,733 |
| Assets per employee ($millions) | 3.8499% | 4,213 |
| Cash dividends to net income (ytd only)* | 58.4746% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5244% | 1,374 |
| Loan loss allowance to noncurrent loans | 68.3333% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 1.4586% | 976 |
| Noncurrent loans to loans | 2.2309% | 666 |
| Net loans and leases to total assets | 47.6273% | 4,712 |
| Net loans and leases to deposits | 51.4994% | 4,901 |
| Net loans and leases to core deposits | 52.2994% | 4,969 |
| Total domestic deposits to total assets | 92.4814% | 63 |
| Equity capital to assets | 7.4347% | 5,439 |
| Core capital (leverage) ratio | 8.4543% | 5,172 |
| Tier 1 risk-based capital ratio | 14.8427% | 2,956 |
| Total risk-based capital ratio | 16.0933% | 2,888 |
| Memoranda: | ||
| Average total assets | $48,414,000 | 5,136 |
| Average earning assets | $45,838,500 | 5,113 |
| Average equity | $3,841,000 | 5,381 |
| Average total loans | $24,918,500 | 5,110 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0094% | 3,375 |
| Cost of funding earning assets | 0.2140% | 4,833 |
| Net interest margin | 3.7955% | 2,439 |
| Noninterest income to average assets | 0.5048% | 2,970 |
| Noninterest expense to average assets | 3.1032% | 1,851 |
| Loan and lease loss provision to assets | 0.1065% | 2,104 |
| Net operating income to assets | 0.8839% | 2,798 |
| Return on assets (ROA) | 0.8306% | 3,065 |
| Pretax return on assets | 0.8306% | 4,159 |
| Return on Equity (ROE) | 9.9409% | 1,908 |
| Retained earnings to average equity (ytd only) | 2.3960% | 3,896 |
| Net charge-offs to loans | 0.3009% | 865 |
| Credit loss provision to net charge-offs | 69.4444% | 3,094 |
| Earnings coverage of net charge-offs (x) | 6.4583% | 3,174 |
| Efficiency ratio | 75.8065% | 1,647 |
| Assets per employee ($millions) | 3.5984% | 4,575 |
| Cash dividends to net income (ytd only)* | 75.8974% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4397% | 1,616 |
| Loan loss allowance to noncurrent loans | 81.4570% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 1.1308% | 1,318 |
| Noncurrent loans to loans | 1.7674% | 908 |
| Net loans and leases to total assets | 54.0029% | 4,366 |
| Net loans and leases to deposits | 59.1007% | 4,634 |
| Net loans and leases to core deposits | 60.0947% | 4,754 |
| Total domestic deposits to total assets | 91.3743% | 162 |
| Equity capital to assets | 8.4675% | 5,148 |
| Core capital (leverage) ratio | 8.6483% | 4,993 |
| Tier 1 risk-based capital ratio | 14.7644% | 2,952 |
| Total risk-based capital ratio | 16.0126% | 2,889 |
| Memoranda: | ||
| Average total assets | $46,952,000 | 5,212 |
| Average earning assets | $44,395,200 | 5,184 |
| Average equity | $3,923,200 | 5,436 |
| Average total loans | $23,928,400 | 5,193 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9634% | 3,479 |
| Cost of funding earning assets | 0.2070% | 4,917 |
| Net interest margin | 3.7564% | 2,553 |
| Noninterest income to average assets | 0.5334% | 2,819 |
| Noninterest expense to average assets | 3.0754% | 1,878 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0100% | 2,516 |
| Return on assets (ROA) | 1.0157% | 2,525 |
| Pretax return on assets | 1.0157% | 3,623 |
| Return on Equity (ROE) | 12.1960% | 1,274 |
| Retained earnings to average equity (ytd only) | 5.8254% | 2,362 |
| Net charge-offs to loans | 0.0851% | 1,952 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 23.7325% | 1,799 |
| Efficiency ratio | 75.2778% | 1,696 |
| Assets per employee ($millions) | 3.6112% | 4,575 |
| Cash dividends to net income (ytd only)* | 52.2354% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5091% | 1,498 |
| Loan loss allowance to noncurrent loans | 66.7851% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 1.3633% | 1,152 |
| Noncurrent loans to loans | 2.2597% | 712 |
| Net loans and leases to total assets | 52.2718% | 4,549 |
| Net loans and leases to deposits | 57.4280% | 4,795 |
| Net loans and leases to core deposits | 58.3942% | 4,899 |
| Total domestic deposits to total assets | 91.0214% | 180 |
| Equity capital to assets | 8.7443% | 5,125 |
| Core capital (leverage) ratio | 8.7055% | 5,057 |
| Tier 1 risk-based capital ratio | 15.1058% | 2,879 |
| Total risk-based capital ratio | 16.3552% | 2,800 |
| Memoranda: | ||
| Average total assets | $46,995,250 | 5,269 |
| Average earning assets | $44,438,750 | 5,237 |
| Average equity | $3,913,750 | 5,493 |
| Average total loans | $23,502,750 | 5,263 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8275% | 3,796 |
| Cost of funding earning assets | 0.1981% | 5,002 |
| Net interest margin | 3.6294% | 2,916 |
| Noninterest income to average assets | 0.4169% | 3,584 |
| Noninterest expense to average assets | 3.0758% | 1,895 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7700% | 3,546 |
| Return on assets (ROA) | 0.7658% | 3,612 |
| Pretax return on assets | 0.7658% | 4,391 |
| Return on Equity (ROE) | 9.3506% | 2,329 |
| Retained earnings to average equity (ytd only) | 3.2208% | 3,795 |
| Net charge-offs to loans | 0.1303% | 1,380 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 12.0667% | 2,223 |
| Efficiency ratio | 79.9779% | 1,210 |
| Assets per employee ($millions) | 3.7769% | 4,310 |
| Cash dividends to net income (ytd only)* | 65.5556% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5870% | 1,292 |
| Loan loss allowance to noncurrent loans | 36.2235% | 4,855 |
| Noncurrent assets plus other real estate owned to assets | 2.2709% | 513 |
| Noncurrent loans to loans | 4.3810% | 193 |
| Net loans and leases to total assets | 47.4888% | 4,853 |
| Net loans and leases to deposits | 51.8156% | 5,067 |
| Net loans and leases to core deposits | 52.6426% | 5,126 |
| Total domestic deposits to total assets | 91.6497% | 113 |
| Equity capital to assets | 8.2057% | 5,445 |
| Core capital (leverage) ratio | 8.6191% | 5,124 |
| Tier 1 risk-based capital ratio | 14.8329% | 3,002 |
| Total risk-based capital ratio | 16.0818% | 2,925 |
| Memoranda: | ||
| Average total assets | $47,012,000 | 5,310 |
| Average earning assets | $44,415,000 | 5,280 |
| Average equity | $3,850,000 | 5,546 |
| Average total loans | $23,032,000 | 5,312 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8494% | 3,583 |
| Cost of funding earning assets | 0.2026% | 4,958 |
| Net interest margin | 3.6468% | 2,708 |
| Noninterest income to average assets | 0.4090% | 3,595 |
| Noninterest expense to average assets | 3.2022% | 1,604 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6526% | 3,924 |
| Return on assets (ROA) | 0.6526% | 3,960 |
| Pretax return on assets | 0.6526% | 4,589 |
| Return on Equity (ROE) | 7.9777% | 2,931 |
| Retained earnings to average equity (ytd only) | 2.7656% | 4,024 |
| Net charge-offs to loans | 0.0176% | 2,434 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 75.0000% | 686 |
| Efficiency ratio | 83.0700% | 1,055 |
| Assets per employee ($millions) | 3.9213% | 4,143 |
| Cash dividends to net income (ytd only)* | 65.3333% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6928% | 1,156 |
| Loan loss allowance to noncurrent loans | 50.9138% | 4,620 |
| Noncurrent assets plus other real estate owned to assets | 1.7936% | 792 |
| Noncurrent loans to loans | 3.3248% | 379 |
| Net loans and leases to total assets | 48.1320% | 4,813 |
| Net loans and leases to deposits | 52.4185% | 5,017 |
| Net loans and leases to core deposits | 53.2905% | 5,093 |
| Total domestic deposits to total assets | 91.8225% | 126 |
| Equity capital to assets | 8.0840% | 5,480 |
| Core capital (leverage) ratio | 8.5714% | 5,177 |
| Tier 1 risk-based capital ratio | 15.4046% | 2,793 |
| Total risk-based capital ratio | 16.6558% | 2,726 |
| Memoranda: | ||
| Average total assets | $45,968,000 | 5,387 |
| Average earning assets | $43,435,500 | 5,360 |
| Average equity | $3,760,500 | 5,614 |
| Average total loans | $22,701,500 | 5,386 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9991% | 3,201 |
| Cost of funding earning assets | 0.2092% | 4,930 |
| Net interest margin | 3.7898% | 2,353 |
| Noninterest income to average assets | 0.5387% | 2,984 |
| Noninterest expense to average assets | 3.3983% | 1,363 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7138% | 3,719 |
| Return on assets (ROA) | 0.8756% | 3,062 |
| Pretax return on assets | 0.8756% | 3,925 |
| Return on Equity (ROE) | 9.4057% | 2,229 |
| Retained earnings to average equity (ytd only) | -0.3572% | 5,358 |
| Net charge-offs to loans | 0.1754% | 1,566 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 8.0500% | 2,933 |
| Efficiency ratio | 82.6415% | 1,129 |
| Assets per employee ($millions) | 3.4576% | 4,823 |
| Cash dividends to net income (ytd only)* | 103.7975% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7483% | 1,045 |
| Loan loss allowance to noncurrent loans | 50.5168% | 4,667 |
| Noncurrent assets plus other real estate owned to assets | 1.8977% | 757 |
| Noncurrent loans to loans | 3.4609% | 350 |
| Net loans and leases to total assets | 48.8843% | 4,839 |
| Net loans and leases to deposits | 53.4688% | 5,040 |
| Net loans and leases to core deposits | 54.4061% | 5,130 |
| Total domestic deposits to total assets | 91.4258% | 176 |
| Equity capital to assets | 8.4229% | 5,329 |
| Core capital (leverage) ratio | 8.7703% | 5,001 |
| Tier 1 risk-based capital ratio | 16.8440% | 2,215 |
| Total risk-based capital ratio | 18.0983% | 2,162 |
| Memoranda: | ||
| Average total assets | $45,111,400 | 5,439 |
| Average earning assets | $42,535,000 | 5,413 |
| Average equity | $4,199,600 | 5,612 |
| Average total loans | $22,805,800 | 5,422 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0078% | 3,209 |
| Cost of funding earning assets | 0.2096% | 4,978 |
| Net interest margin | 3.7982% | 2,338 |
| Noninterest income to average assets | 0.5492% | 2,921 |
| Noninterest expense to average assets | 3.4195% | 1,311 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7146% | 3,766 |
| Return on assets (ROA) | 0.9302% | 2,878 |
| Pretax return on assets | 0.9302% | 3,874 |
| Return on Equity (ROE) | 9.7604% | 2,169 |
| Retained earnings to average equity (ytd only) | -1.3944% | 5,541 |
| Net charge-offs to loans | 0.2386% | 980 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 5.9020% | 3,066 |
| Efficiency ratio | 82.7143% | 1,104 |
| Assets per employee ($millions) | 3.5910% | 4,655 |
| Cash dividends to net income (ytd only)* | 114.2861% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7784% | 1,051 |
| Loan loss allowance to noncurrent loans | 49.5553% | 4,741 |
| Noncurrent assets plus other real estate owned to assets | 1.8572% | 875 |
| Noncurrent loans to loans | 3.5887% | 348 |
| Net loans and leases to total assets | 46.1410% | 5,090 |
| Net loans and leases to deposits | 50.9702% | 5,255 |
| Net loans and leases to core deposits | 51.8374% | 5,317 |
| Total domestic deposits to total assets | 90.5255% | 313 |
| Equity capital to assets | 9.2539% | 4,915 |
| Core capital (leverage) ratio | 8.6920% | 5,156 |
| Tier 1 risk-based capital ratio | 15.9323% | 2,654 |
| Total risk-based capital ratio | 17.1828% | 2,593 |
| Memoranda: | ||
| Average total assets | $45,152,000 | 5,493 |
| Average earning assets | $42,616,000 | 5,465 |
| Average equity | $4,303,000 | 5,652 |
| Average total loans | $22,916,250 | 5,476 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0670% | 3,000 |
| Cost of funding earning assets | 0.2091% | 5,054 |
| Net interest margin | 3.8579% | 2,115 |
| Noninterest income to average assets | 0.5331% | 2,990 |
| Noninterest expense to average assets | 3.4811% | 1,196 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6899% | 3,845 |
| Return on assets (ROA) | 1.0170% | 2,448 |
| Pretax return on assets | 1.0170% | 3,527 |
| Return on Equity (ROE) | 10.5647% | 1,822 |
| Retained earnings to average equity (ytd only) | -3.3975% | 5,663 |
| Net charge-offs to loans | -0.0258% | 5,058 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4586% | 1,092 |
| Assets per employee ($millions) | 3.5862% | 4,614 |
| Cash dividends to net income (ytd only)* | 132.1586% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9911% | 752 |
| Loan loss allowance to noncurrent loans | 58.7280% | 4,606 |
| Noncurrent assets plus other real estate owned to assets | 1.7589% | 995 |
| Noncurrent loans to loans | 3.3904% | 395 |
| Net loans and leases to total assets | 45.8237% | 5,138 |
| Net loans and leases to deposits | 50.6821% | 5,305 |
| Net loans and leases to core deposits | 51.5467% | 5,378 |
| Total domestic deposits to total assets | 90.4140% | 345 |
| Equity capital to assets | 9.3973% | 4,868 |
| Core capital (leverage) ratio | 8.9824% | 4,845 |
| Tier 1 risk-based capital ratio | 15.8806% | 2,698 |
| Total risk-based capital ratio | 17.1360% | 2,636 |
| Memoranda: | ||
| Average total assets | $44,641,670 | 5,568 |
| Average earning assets | $42,095,000 | 5,540 |
| Average equity | $4,297,330 | 5,718 |
| Average total loans | $23,245,000 | 5,528 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2994% | 2,142 |
| Cost of funding earning assets | 0.2043% | 5,159 |
| Net interest margin | 4.0951% | 1,357 |
| Noninterest income to average assets | 0.5040% | 3,092 |
| Noninterest expense to average assets | 3.6653% | 943 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6964% | 3,731 |
| Return on assets (ROA) | 1.0904% | 2,042 |
| Pretax return on assets | 1.0904% | 3,129 |
| Return on Equity (ROE) | 11.1855% | 1,538 |
| Retained earnings to average equity (ytd only) | -3.1019% | 5,482 |
| Net charge-offs to loans | -0.0334% | 5,112 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0336% | 1,153 |
| Assets per employee ($millions) | 3.4018% | 4,966 |
| Cash dividends to net income (ytd only)* | 127.7311% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8518% | 1,049 |
| Loan loss allowance to noncurrent loans | 123.3618% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 0.9791% | 2,262 |
| Noncurrent loans to loans | 1.5011% | 1,559 |
| Net loans and leases to total assets | 51.8949% | 4,636 |
| Net loans and leases to deposits | 57.5780% | 4,879 |
| Net loans and leases to core deposits | 58.6177% | 5,014 |
| Total domestic deposits to total assets | 90.1298% | 546 |
| Equity capital to assets | 9.6622% | 4,488 |
| Core capital (leverage) ratio | 9.0570% | 4,788 |
| Tier 1 risk-based capital ratio | 16.0880% | 2,638 |
| Total risk-based capital ratio | 17.3433% | 2,589 |
| Memoranda: | ||
| Average total assets | $43,652,500 | 5,642 |
| Average earning assets | $41,122,000 | 5,611 |
| Average equity | $4,255,500 | 5,766 |
| Average total loans | $23,969,000 | 5,552 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5691% | 1,413 |
| Cost of funding earning assets | 0.2231% | 5,062 |
| Net interest margin | 4.3460% | 879 |
| Noninterest income to average assets | 0.7278% | 2,077 |
| Noninterest expense to average assets | 3.4645% | 1,358 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.3264% | 1,211 |
| Return on assets (ROA) | 1.4760% | 936 |
| Pretax return on assets | 1.4760% | 1,633 |
| Return on Equity (ROE) | 16.4328% | 515 |
| Retained earnings to average equity (ytd only) | 11.6115% | 281 |
| Net charge-offs to loans | -0.0327% | 5,425 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3142% | 2,853 |
| Assets per employee ($millions) | 3.5901% | 4,658 |
| Cash dividends to net income (ytd only)* | 29.3395% | 3,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7552% | 1,229 |
| Loan loss allowance to noncurrent loans | 121.4085% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 1.3974% | 1,496 |
| Noncurrent loans to loans | 1.4457% | 1,615 |
| Net loans and leases to total assets | 55.9968% | 4,298 |
| Net loans and leases to deposits | 62.2587% | 4,615 |
| Net loans and leases to core deposits | 63.4175% | 4,775 |
| Total domestic deposits to total assets | 89.9422% | 653 |
| Equity capital to assets | 9.8373% | 4,150 |
| Core capital (leverage) ratio | 9.2063% | 4,608 |
| Tier 1 risk-based capital ratio | 15.6006% | 2,883 |
| Total risk-based capital ratio | 16.8539% | 2,815 |
| Memoranda: | ||
| Average total assets | $44,104,600 | 5,680 |
| Average earning assets | $41,233,200 | 5,647 |
| Average equity | $3,961,600 | 5,855 |
| Average total loans | $24,445,800 | 5,575 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5838% | 1,372 |
| Cost of funding earning assets | 0.2220% | 5,160 |
| Net interest margin | 4.3618% | 856 |
| Noninterest income to average assets | 0.7574% | 1,995 |
| Noninterest expense to average assets | 3.3963% | 1,486 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.4367% | 1,033 |
| Return on assets (ROA) | 1.6351% | 736 |
| Pretax return on assets | 1.6351% | 1,280 |
| Return on Equity (ROE) | 18.6338% | 359 |
| Retained earnings to average equity (ytd only) | 12.0912% | 355 |
| Net charge-offs to loans | -0.0273% | 5,313 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2736% | 3,166 |
| Assets per employee ($millions) | 3.5907% | 4,624 |
| Cash dividends to net income (ytd only)* | 35.1100% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7961% | 1,274 |
| Loan loss allowance to noncurrent loans | 81.2144% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 1.8033% | 1,187 |
| Noncurrent loans to loans | 2.2116% | 994 |
| Net loans and leases to total assets | 54.3098% | 4,536 |
| Net loans and leases to deposits | 60.2854% | 4,836 |
| Net loans and leases to core deposits | 61.8158% | 4,951 |
| Total domestic deposits to total assets | 90.0877% | 539 |
| Equity capital to assets | 9.6686% | 4,550 |
| Core capital (leverage) ratio | 8.8769% | 5,146 |
| Tier 1 risk-based capital ratio | 14.7649% | 3,407 |
| Total risk-based capital ratio | 16.0191% | 3,356 |
| Memoranda: | ||
| Average total assets | $44,360,500 | 5,747 |
| Average earning assets | $41,449,250 | 5,715 |
| Average equity | $3,892,500 | 5,949 |
| Average total loans | $24,418,500 | 5,645 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5862% | 1,315 |
| Cost of funding earning assets | 0.2252% | 5,193 |
| Net interest margin | 4.3610% | 818 |
| Noninterest income to average assets | 0.7771% | 1,885 |
| Noninterest expense to average assets | 3.4565% | 1,370 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3844% | 1,124 |
| Return on assets (ROA) | 1.3844% | 1,161 |
| Pretax return on assets | 1.3844% | 2,049 |
| Return on Equity (ROE) | 16.3101% | 574 |
| Retained earnings to average equity (ytd only) | 6.2610% | 2,084 |
| Net charge-offs to loans | -0.0569% | 5,593 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4022% | 3,094 |
| Assets per employee ($millions) | 4.0110% | 3,863 |
| Cash dividends to net income (ytd only)* | 61.6129% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7345% | 1,530 |
| Loan loss allowance to noncurrent loans | 102.8708% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 1.3920% | 1,802 |
| Noncurrent loans to loans | 1.6861% | 1,539 |
| Net loans and leases to total assets | 50.6129% | 4,877 |
| Net loans and leases to deposits | 55.0979% | 5,187 |
| Net loans and leases to core deposits | 56.3182% | 5,291 |
| Total domestic deposits to total assets | 91.8599% | 139 |
| Equity capital to assets | 7.9303% | 6,011 |
| Core capital (leverage) ratio | 8.1408% | 5,839 |
| Tier 1 risk-based capital ratio | 11.8869% | 5,226 |
| Total risk-based capital ratio | 13.1417% | 5,119 |
| Memoranda: | ||
| Average total assets | $44,784,670 | 5,799 |
| Average earning assets | $41,734,000 | 5,771 |
| Average equity | $3,801,330 | 6,029 |
| Average total loans | $24,615,000 | 5,677 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8181% | 830 |
| Cost of funding earning assets | 0.2294% | 5,222 |
| Net interest margin | 4.5887% | 512 |
| Noninterest income to average assets | 0.7701% | 1,826 |
| Noninterest expense to average assets | 3.3588% | 1,580 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6794% | 618 |
| Return on assets (ROA) | 1.6887% | 635 |
| Pretax return on assets | 1.6887% | 1,076 |
| Return on Equity (ROE) | 19.1907% | 311 |
| Retained earnings to average equity (ytd only) | 8.0137% | 1,567 |
| Net charge-offs to loans | -0.0815% | 5,760 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 4,037 |
| Assets per employee ($millions) | 3.1419% | 5,490 |
| Cash dividends to net income (ytd only)* | 58.2418% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7143% | 1,699 |
| Loan loss allowance to noncurrent loans | 305.7143% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 1.6005% | 1,602 |
| Noncurrent loans to loans | 0.5608% | 3,904 |
| Net loans and leases to total assets | 55.7847% | 4,229 |
| Net loans and leases to deposits | 61.2914% | 4,639 |
| Net loans and leases to core deposits | 62.7956% | 4,793 |
| Total domestic deposits to total assets | 91.0155% | 359 |
| Equity capital to assets | 8.7640% | 5,536 |
| Core capital (leverage) ratio | 8.4750% | 5,542 |
| Tier 1 risk-based capital ratio | 11.9221% | 5,289 |
| Total risk-based capital ratio | 13.1728% | 5,182 |
| Memoranda: | ||
| Average total assets | $43,111,000 | 5,891 |
| Average earning assets | $40,098,500 | 5,865 |
| Average equity | $3,793,500 | 6,086 |
| Average total loans | $24,527,000 | 5,732 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6943% | 1,323 |
| Cost of funding earning assets | 0.2589% | 5,237 |
| Net interest margin | 4.4354% | 841 |
| Noninterest income to average assets | 0.7676% | 2,003 |
| Noninterest expense to average assets | 3.6811% | 1,185 |
| Loan and lease loss provision to assets | 0.0095% | 4,437 |
| Net operating income to assets | 1.1882% | 1,621 |
| Return on assets (ROA) | 1.2025% | 1,635 |
| Pretax return on assets | 1.2025% | 2,641 |
| Return on Equity (ROE) | 14.2503% | 891 |
| Retained earnings to average equity (ytd only) | 3.2387% | 3,926 |
| Net charge-offs to loans | -0.0788% | 6,057 |
| Credit loss provision to net charge-offs | -22.2222% | 5,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4506% | 2,603 |
| Assets per employee ($millions) | 3.2488% | 5,351 |
| Cash dividends to net income (ytd only)* | 77.2727% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7561% | 1,641 |
| Loan loss allowance to noncurrent loans | 297.8873% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 1.6763% | 1,607 |
| Noncurrent loans to loans | 0.5895% | 3,898 |
| Net loans and leases to total assets | 56.0317% | 4,328 |
| Net loans and leases to deposits | 62.8953% | 4,648 |
| Net loans and leases to core deposits | 64.5386% | 4,790 |
| Total domestic deposits to total assets | 89.0872% | 1,187 |
| Equity capital to assets | 8.8363% | 5,444 |
| Core capital (leverage) ratio | 8.1290% | 5,905 |
| Tier 1 risk-based capital ratio | 12.3969% | 5,090 |
| Total risk-based capital ratio | 13.6490% | 5,014 |
| Memoranda: | ||
| Average total assets | $42,079,600 | 5,986 |
| Average earning assets | $39,004,400 | 5,950 |
| Average equity | $3,550,800 | 6,170 |
| Average total loans | $22,854,000 | 5,859 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6746% | 1,371 |
| Cost of funding earning assets | 0.2601% | 5,301 |
| Net interest margin | 4.4145% | 870 |
| Noninterest income to average assets | 0.8056% | 1,877 |
| Noninterest expense to average assets | 3.6979% | 1,128 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1988% | 1,679 |
| Return on assets (ROA) | 1.2178% | 1,678 |
| Pretax return on assets | 1.2178% | 2,709 |
| Return on Equity (ROE) | 14.6053% | 891 |
| Retained earnings to average equity (ytd only) | 2.0919% | 5,004 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5181% | 2,572 |
| Assets per employee ($millions) | 3.2995% | 5,240 |
| Cash dividends to net income (ytd only)* | 85.6775% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6514% | 2,132 |
| Loan loss allowance to noncurrent loans | 280.4196% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 1.6646% | 1,819 |
| Noncurrent loans to loans | 0.5889% | 4,161 |
| Net loans and leases to total assets | 55.6781% | 4,375 |
| Net loans and leases to deposits | 61.0481% | 4,843 |
| Net loans and leases to core deposits | 63.0149% | 4,967 |
| Total domestic deposits to total assets | 91.2037% | 304 |
| Equity capital to assets | 8.4046% | 5,870 |
| Core capital (leverage) ratio | 8.1286% | 5,988 |
| Tier 1 risk-based capital ratio | 10.9084% | 6,037 |
| Total risk-based capital ratio | 12.1361% | 6,000 |
| Memoranda: | ||
| Average total assets | $42,040,750 | 6,054 |
| Average earning assets | $38,961,500 | 6,021 |
| Average equity | $3,505,500 | 6,249 |
| Average total loans | $22,545,500 | 5,930 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6055% | 1,517 |
| Cost of funding earning assets | 0.2584% | 5,400 |
| Net interest margin | 4.3470% | 939 |
| Noninterest income to average assets | 0.7855% | 1,897 |
| Noninterest expense to average assets | 3.6880% | 1,159 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1256% | 1,835 |
| Return on assets (ROA) | 1.1543% | 1,819 |
| Pretax return on assets | 1.1543% | 2,859 |
| Return on Equity (ROE) | 13.8812% | 980 |
| Retained earnings to average equity (ytd only) | -0.5760% | 5,791 |
| Net charge-offs to loans | -0.1002% | 6,141 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6169% | 2,517 |
| Assets per employee ($millions) | 3.3845% | 5,090 |
| Cash dividends to net income (ytd only)* | 104.1494% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7399% | 2,007 |
| Loan loss allowance to noncurrent loans | 150.3650% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 1.6137% | 2,030 |
| Noncurrent loans to loans | 1.1571% | 2,912 |
| Net loans and leases to total assets | 52.8807% | 4,655 |
| Net loans and leases to deposits | 57.7116% | 5,068 |
| Net loans and leases to core deposits | 59.5079% | 5,160 |
| Total domestic deposits to total assets | 91.6294% | 230 |
| Equity capital to assets | 8.0797% | 6,111 |
| Core capital (leverage) ratio | 8.2477% | 5,893 |
| Tier 1 risk-based capital ratio | 10.8043% | 6,128 |
| Total risk-based capital ratio | 12.0552% | 6,074 |
| Memoranda: | ||
| Average total assets | $41,756,670 | 6,114 |
| Average earning assets | $38,693,000 | 6,080 |
| Average equity | $3,472,330 | 6,297 |
| Average total loans | $21,966,330 | 5,993 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6130% | 1,472 |
| Cost of funding earning assets | 0.2657% | 5,435 |
| Net interest margin | 4.3473% | 901 |
| Noninterest income to average assets | 0.7383% | 1,998 |
| Noninterest expense to average assets | 3.6520% | 1,208 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1123% | 1,768 |
| Return on assets (ROA) | 1.1714% | 1,631 |
| Pretax return on assets | 1.1714% | 2,607 |
| Return on Equity (ROE) | 13.8735% | 967 |
| Retained earnings to average equity (ytd only) | 4.8965% | 3,176 |
| Net charge-offs to loans | -0.2084% | 6,396 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6529% | 2,701 |
| Assets per employee ($millions) | 3.4725% | 4,981 |
| Cash dividends to net income (ytd only)* | 64.7059% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9137% | 1,710 |
| Loan loss allowance to noncurrent loans | 349.1525% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 1.3439% | 2,631 |
| Noncurrent loans to loans | 0.5481% | 4,518 |
| Net loans and leases to total assets | 50.6767% | 4,833 |
| Net loans and leases to deposits | 55.4747% | 5,154 |
| Net loans and leases to core deposits | 57.3676% | 5,252 |
| Total domestic deposits to total assets | 91.3511% | 436 |
| Equity capital to assets | 8.3897% | 5,751 |
| Core capital (leverage) ratio | 8.5832% | 5,544 |
| Tier 1 risk-based capital ratio | 11.8054% | 5,761 |
| Total risk-based capital ratio | 13.0558% | 5,692 |
| Memoranda: | ||
| Average total assets | $40,635,500 | 6,217 |
| Average earning assets | $37,632,500 | 6,183 |
| Average equity | $3,431,000 | 6,356 |
| Average total loans | $21,110,000 | 6,090 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4524% | 2,384 |
| Cost of funding earning assets | 0.3039% | 5,560 |
| Net interest margin | 4.1485% | 1,508 |
| Noninterest income to average assets | 0.8880% | 1,722 |
| Noninterest expense to average assets | 3.8655% | 1,037 |
| Loan and lease loss provision to assets | 0.2885% | 1,189 |
| Net operating income to assets | 0.5343% | 4,578 |
| Return on assets (ROA) | 0.5794% | 4,473 |
| Pretax return on assets | 0.5794% | 4,938 |
| Return on Equity (ROE) | 6.5913% | 3,778 |
| Retained earnings to average equity (ytd only) | -1.4838% | 6,124 |
| Net charge-offs to loans | -0.0382% | 6,276 |
| Credit loss provision to net charge-offs | -1,437.5000% | 6,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4505% | 1,818 |
| Assets per employee ($millions) | 3.3001% | 5,293 |
| Cash dividends to net income (ytd only)* | 122.5108% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9380% | 1,687 |
| Loan loss allowance to noncurrent loans | 204.5918% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 1.6262% | 2,280 |
| Noncurrent loans to loans | 0.9473% | 3,621 |
| Net loans and leases to total assets | 51.2361% | 4,945 |
| Net loans and leases to deposits | 56.1645% | 5,288 |
| Net loans and leases to core deposits | 58.2093% | 5,380 |
| Total domestic deposits to total assets | 91.2250% | 493 |
| Equity capital to assets | 8.4998% | 5,584 |
| Core capital (leverage) ratio | 8.6297% | 5,504 |
| Tier 1 risk-based capital ratio | 12.2431% | 5,460 |
| Total risk-based capital ratio | 13.4957% | 5,389 |
| Memoranda: | ||
| Average total assets | $39,865,800 | 6,291 |
| Average earning assets | $36,519,600 | 6,272 |
| Average equity | $3,504,600 | 6,435 |
| Average total loans | $20,920,800 | 6,154 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4430% | 2,446 |
| Cost of funding earning assets | 0.3069% | 5,673 |
| Net interest margin | 4.1361% | 1,521 |
| Noninterest income to average assets | 0.9015% | 1,751 |
| Noninterest expense to average assets | 3.7997% | 1,081 |
| Loan and lease loss provision to assets | 0.3840% | 806 |
| Net operating income to assets | 0.4975% | 4,803 |
| Return on assets (ROA) | 0.5576% | 4,695 |
| Pretax return on assets | 0.5576% | 5,179 |
| Return on Equity (ROE) | 6.2912% | 4,029 |
| Retained earnings to average equity (ytd only) | -2.0719% | 6,275 |
| Net charge-offs to loans | -0.0572% | 6,357 |
| Credit loss provision to net charge-offs | -1,277.7778% | 6,225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1698% | 1,947 |
| Assets per employee ($millions) | 3.0678% | 5,737 |
| Cash dividends to net income (ytd only)* | 132.9336% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9348% | 1,902 |
| Loan loss allowance to noncurrent loans | 35.0174% | 5,812 |
| Noncurrent assets plus other real estate owned to assets | 4.0219% | 770 |
| Noncurrent loans to loans | 5.5253% | 493 |
| Net loans and leases to total assets | 51.0882% | 4,997 |
| Net loans and leases to deposits | 56.1001% | 5,371 |
| Net loans and leases to core deposits | 58.1495% | 5,439 |
| Total domestic deposits to total assets | 91.0661% | 503 |
| Equity capital to assets | 8.6305% | 5,591 |
| Core capital (leverage) ratio | 8.5463% | 5,728 |
| Tier 1 risk-based capital ratio | 11.9813% | 5,788 |
| Total risk-based capital ratio | 13.2324% | 5,730 |
| Memoranda: | ||
| Average total assets | $39,932,000 | 6,361 |
| Average earning assets | $36,490,750 | 6,341 |
| Average equity | $3,539,250 | 6,503 |
| Average total loans | $20,978,250 | 6,217 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4054% | 2,543 |
| Cost of funding earning assets | 0.3017% | 5,812 |
| Net interest margin | 4.1037% | 1,532 |
| Noninterest income to average assets | 0.8861% | 1,866 |
| Noninterest expense to average assets | 3.7748% | 1,133 |
| Loan and lease loss provision to assets | 0.5757% | 446 |
| Net operating income to assets | 0.2804% | 5,663 |
| Return on assets (ROA) | 0.3705% | 5,504 |
| Pretax return on assets | 0.3705% | 5,707 |
| Return on Equity (ROE) | 4.1437% | 5,154 |
| Retained earnings to average equity (ytd only) | -4.1997% | 6,411 |
| Net charge-offs to loans | 0.0095% | 4,693 |
| Credit loss provision to net charge-offs | 11,500.0000% | 23 |
| Earnings coverage of net charge-offs (x) | 171.0000% | 289 |
| Efficiency ratio | 81.5135% | 1,963 |
| Assets per employee ($millions) | 3.1122% | 5,653 |
| Cash dividends to net income (ytd only)* | 201.3514% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8551% | 2,246 |
| Loan loss allowance to noncurrent loans | 33.3050% | 5,898 |
| Noncurrent assets plus other real estate owned to assets | 4.0510% | 849 |
| Noncurrent loans to loans | 5.5700% | 546 |
| Net loans and leases to total assets | 51.2593% | 4,958 |
| Net loans and leases to deposits | 56.1637% | 5,323 |
| Net loans and leases to core deposits | 58.1739% | 5,407 |
| Total domestic deposits to total assets | 91.2677% | 457 |
| Equity capital to assets | 8.4950% | 5,772 |
| Core capital (leverage) ratio | 8.6937% | 5,434 |
| Tier 1 risk-based capital ratio | 12.0381% | 5,776 |
| Total risk-based capital ratio | 13.2882% | 5,722 |
| Memoranda: | ||
| Average total assets | $39,948,670 | 6,401 |
| Average earning assets | $36,455,000 | 6,383 |
| Average equity | $3,571,670 | 6,546 |
| Average total loans | $21,045,330 | 6,251 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4177% | 2,460 |
| Cost of funding earning assets | 0.2989% | 5,972 |
| Net interest margin | 4.1188% | 1,407 |
| Noninterest income to average assets | 0.8163% | 2,068 |
| Noninterest expense to average assets | 3.6580% | 1,319 |
| Loan and lease loss provision to assets | 0.8566% | 244 |
| Net operating income to assets | 0.0504% | 6,248 |
| Return on assets (ROA) | 0.1108% | 6,221 |
| Pretax return on assets | 0.1108% | 6,242 |
| Return on Equity (ROE) | 1.2091% | 6,172 |
| Retained earnings to average equity (ytd only) | -8.0242% | 6,528 |
| Net charge-offs to loans | 0.0381% | 3,495 |
| Credit loss provision to net charge-offs | 4,250.0000% | 71 |
| Earnings coverage of net charge-offs (x) | 45.0000% | 725 |
| Efficiency ratio | 80.1325% | 2,321 |
| Assets per employee ($millions) | 2.8669% | 6,190 |
| Cash dividends to net income (ytd only)* | 763.6364% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7423% | 2,830 |
| Loan loss allowance to noncurrent loans | 29.2545% | 6,054 |
| Noncurrent assets plus other real estate owned to assets | 4.2380% | 901 |
| Noncurrent loans to loans | 5.9556% | 560 |
| Net loans and leases to total assets | 50.7238% | 4,890 |
| Net loans and leases to deposits | 55.8270% | 5,262 |
| Net loans and leases to core deposits | 57.8512% | 5,354 |
| Total domestic deposits to total assets | 90.8588% | 587 |
| Equity capital to assets | 8.9444% | 5,563 |
| Core capital (leverage) ratio | 8.6821% | 5,353 |
| Tier 1 risk-based capital ratio | 12.3412% | 5,685 |
| Total risk-based capital ratio | 13.5905% | 5,642 |
| Memoranda: | ||
| Average total assets | $39,693,500 | 6,470 |
| Average earning assets | $36,127,000 | 6,463 |
| Average equity | $3,639,000 | 6,602 |
| Average total loans | $21,002,500 | 6,312 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9560% | 1,672 |
| Cost of funding earning assets | 0.4067% | 5,874 |
| Net interest margin | 4.5493% | 863 |
| Noninterest income to average assets | 0.9672% | 1,643 |
| Noninterest expense to average assets | 3.8789% | 1,120 |
| Loan and lease loss provision to assets | 0.0332% | 5,479 |
| Net operating income to assets | 1.1943% | 1,624 |
| Return on assets (ROA) | 1.3066% | 1,423 |
| Pretax return on assets | 1.3066% | 2,373 |
| Return on Equity (ROE) | 14.1663% | 962 |
| Retained earnings to average equity (ytd only) | 3.8183% | 3,519 |
| Net charge-offs to loans | 0.0518% | 5,198 |
| Credit loss provision to net charge-offs | 118.1818% | 2,432 |
| Earnings coverage of net charge-offs (x) | 43.7273% | 743 |
| Efficiency ratio | 75.9620% | 2,751 |
| Assets per employee ($millions) | 2.8036% | 6,311 |
| Cash dividends to net income (ytd only)* | 73.0469% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3061% | 4,601 |
| Loan loss allowance to noncurrent loans | 70.5584% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 1.9694% | 2,486 |
| Noncurrent loans to loans | 1.8511% | 2,857 |
| Net loans and leases to total assets | 53.5210% | 4,686 |
| Net loans and leases to deposits | 59.2381% | 5,103 |
| Net loans and leases to core deposits | 61.7091% | 5,187 |
| Total domestic deposits to total assets | 90.3490% | 776 |
| Equity capital to assets | 9.3962% | 5,005 |
| Core capital (leverage) ratio | 8.9452% | 4,977 |
| Tier 1 risk-based capital ratio | 12.4363% | 5,520 |
| Total risk-based capital ratio | 13.4071% | 5,641 |
| Memoranda: | ||
| Average total assets | $39,186,800 | 6,528 |
| Average earning assets | $35,653,600 | 6,510 |
| Average equity | $3,614,200 | 6,662 |
| Average total loans | $21,220,800 | 6,368 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0064% | 1,685 |
| Cost of funding earning assets | 0.4144% | 6,031 |
| Net interest margin | 4.5920% | 834 |
| Noninterest income to average assets | 0.9667% | 1,608 |
| Noninterest expense to average assets | 3.8190% | 1,173 |
| Loan and lease loss provision to assets | 0.0068% | 5,723 |
| Net operating income to assets | 1.3275% | 1,379 |
| Return on assets (ROA) | 1.4772% | 1,179 |
| Pretax return on assets | 1.4772% | 1,971 |
| Return on Equity (ROE) | 16.0926% | 735 |
| Retained earnings to average equity (ytd only) | 3.0775% | 4,705 |
| Net charge-offs to loans | -0.1132% | 6,879 |
| Credit loss provision to net charge-offs | -11.1111% | 6,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1083% | 2,965 |
| Assets per employee ($millions) | 2.7914% | 6,365 |
| Cash dividends to net income (ytd only)* | 80.8762% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4022% | 4,365 |
| Loan loss allowance to noncurrent loans | 72.1951% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 2.0317% | 2,601 |
| Noncurrent loans to loans | 1.9422% | 2,908 |
| Net loans and leases to total assets | 53.2600% | 4,861 |
| Net loans and leases to deposits | 58.9315% | 5,321 |
| Net loans and leases to core deposits | 62.4314% | 5,316 |
| Total domestic deposits to total assets | 90.3762% | 641 |
| Equity capital to assets | 9.3347% | 5,426 |
| Core capital (leverage) ratio | 8.8088% | 5,334 |
| Tier 1 risk-based capital ratio | 12.6721% | 5,504 |
| Total risk-based capital ratio | 13.7420% | 5,614 |
| Memoranda: | ||
| Average total assets | $39,171,000 | 6,613 |
| Average earning assets | $35,713,500 | 6,592 |
| Average equity | $3,595,750 | 6,743 |
| Average total loans | $21,204,750 | 6,456 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0051% | 1,778 |
| Cost of funding earning assets | 0.4082% | 6,223 |
| Net interest margin | 4.5968% | 835 |
| Noninterest income to average assets | 0.9489% | 1,615 |
| Noninterest expense to average assets | 3.8162% | 1,191 |
| Loan and lease loss provision to assets | 0.0051% | 5,587 |
| Net operating income to assets | 1.3214% | 1,387 |
| Return on assets (ROA) | 1.5459% | 1,030 |
| Pretax return on assets | 1.5459% | 1,724 |
| Return on Equity (ROE) | 16.9353% | 644 |
| Retained earnings to average equity (ytd only) | 2.1239% | 5,131 |
| Net charge-offs to loans | -0.1130% | 6,877 |
| Credit loss provision to net charge-offs | -8.3333% | 5,921 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2063% | 3,042 |
| Assets per employee ($millions) | 2.8784% | 6,270 |
| Cash dividends to net income (ytd only)* | 87.4587% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3286% | 4,749 |
| Loan loss allowance to noncurrent loans | 88.6503% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 1.7694% | 3,081 |
| Noncurrent loans to loans | 1.4987% | 3,656 |
| Net loans and leases to total assets | 53.2620% | 4,925 |
| Net loans and leases to deposits | 58.6245% | 5,385 |
| Net loans and leases to core deposits | 61.1813% | 5,477 |
| Total domestic deposits to total assets | 90.8529% | 503 |
| Equity capital to assets | 8.9089% | 5,796 |
| Core capital (leverage) ratio | 8.5164% | 5,631 |
| Tier 1 risk-based capital ratio | 12.5244% | 5,549 |
| Total risk-based capital ratio | 13.5702% | 5,682 |
| Memoranda: | ||
| Average total assets | $39,201,330 | 6,659 |
| Average earning assets | $35,763,670 | 6,630 |
| Average equity | $3,578,330 | 6,789 |
| Average total loans | $21,236,330 | 6,500 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0692% | 1,665 |
| Cost of funding earning assets | 0.4196% | 6,318 |
| Net interest margin | 4.6496% | 747 |
| Noninterest income to average assets | 0.9314% | 1,624 |
| Noninterest expense to average assets | 3.7047% | 1,368 |
| Loan and lease loss provision to assets | 0.0103% | 5,168 |
| Net operating income to assets | 1.4591% | 1,103 |
| Return on assets (ROA) | 1.7799% | 698 |
| Pretax return on assets | 1.7799% | 1,123 |
| Return on Equity (ROE) | 19.2582% | 431 |
| Retained earnings to average equity (ytd only) | 8.2855% | 1,867 |
| Net charge-offs to loans | -0.1144% | 6,838 |
| Credit loss provision to net charge-offs | -16.6667% | 5,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6000% | 3,514 |
| Assets per employee ($millions) | 2.8454% | 6,440 |
| Cash dividends to net income (ytd only)* | 56.9767% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3446% | 4,826 |
| Loan loss allowance to noncurrent loans | 89.8413% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 1.7647% | 3,223 |
| Noncurrent loans to loans | 1.4967% | 3,877 |
| Net loans and leases to total assets | 52.1237% | 5,007 |
| Net loans and leases to deposits | 57.4162% | 5,445 |
| Net loans and leases to core deposits | 59.0205% | 5,624 |
| Total domestic deposits to total assets | 90.7822% | 649 |
| Equity capital to assets | 8.9718% | 5,539 |
| Core capital (leverage) ratio | 8.9159% | 4,976 |
| Tier 1 risk-based capital ratio | 12.8774% | 5,297 |
| Total risk-based capital ratio | 13.9196% | 5,433 |
| Memoranda: | ||
| Average total assets | $38,653,500 | 6,722 |
| Average earning assets | $35,271,500 | 6,697 |
| Average equity | $3,572,500 | 6,828 |
| Average total loans | $20,978,500 | 6,565 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0362% | 2,733 |
| Cost of funding earning assets | 0.5079% | 6,495 |
| Net interest margin | 4.5283% | 1,072 |
| Noninterest income to average assets | 0.9213% | 1,600 |
| Noninterest expense to average assets | 3.7994% | 1,351 |
| Loan and lease loss provision to assets | 0.0830% | 5,574 |
| Net operating income to assets | 1.2042% | 1,502 |
| Return on assets (ROA) | 1.2068% | 1,604 |
| Pretax return on assets | 1.2068% | 2,439 |
| Return on Equity (ROE) | 13.3406% | 1,077 |
| Retained earnings to average equity (ytd only) | 4.1887% | 3,198 |
| Net charge-offs to loans | 0.0305% | 6,017 |
| Credit loss provision to net charge-offs | 533.3333% | 431 |
| Earnings coverage of net charge-offs (x) | 82.6667% | 353 |
| Efficiency ratio | 74.6939% | 3,106 |
| Assets per employee ($millions) | 2.6765% | 6,643 |
| Cash dividends to net income (ytd only)* | 68.6022% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3199% | 4,803 |
| Loan loss allowance to noncurrent loans | 89.3204% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 1.8601% | 3,172 |
| Noncurrent loans to loans | 1.4778% | 3,937 |
| Net loans and leases to total assets | 55.0666% | 4,866 |
| Net loans and leases to deposits | 61.0383% | 5,358 |
| Net loans and leases to core deposits | 62.8549% | 5,561 |
| Total domestic deposits to total assets | 90.2164% | 871 |
| Equity capital to assets | 9.5300% | 4,835 |
| Core capital (leverage) ratio | 8.8015% | 5,101 |
| Tier 1 risk-based capital ratio | 13.2685% | 4,862 |
| Total risk-based capital ratio | 14.3383% | 4,973 |
| Memoranda: | ||
| Average total assets | $38,532,200 | 6,723 |
| Average earning assets | $35,443,400 | 6,696 |
| Average equity | $3,485,600 | 6,882 |
| Average total loans | $19,649,600 | 6,675 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9630% | 3,275 |
| Cost of funding earning assets | 0.5175% | 6,638 |
| Net interest margin | 4.4455% | 1,287 |
| Noninterest income to average assets | 0.9451% | 1,502 |
| Noninterest expense to average assets | 3.7699% | 1,357 |
| Loan and lease loss provision to assets | 0.1031% | 5,156 |
| Net operating income to assets | 1.1753% | 1,728 |
| Return on assets (ROA) | 1.1787% | 1,835 |
| Pretax return on assets | 1.1787% | 2,699 |
| Return on Equity (ROE) | 13.2011% | 1,229 |
| Retained earnings to average equity (ytd only) | 8.2748% | 1,400 |
| Net charge-offs to loans | -0.0345% | 6,988 |
| Credit loss provision to net charge-offs | -600.0000% | 6,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6767% | 3,051 |
| Assets per employee ($millions) | 2.7545% | 6,569 |
| Cash dividends to net income (ytd only)* | 37.3174% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3988% | 4,571 |
| Loan loss allowance to noncurrent loans | 70.7196% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 2.1912% | 2,907 |
| Noncurrent loans to loans | 1.9780% | 3,398 |
| Net loans and leases to total assets | 52.0940% | 5,436 |
| Net loans and leases to deposits | 57.7187% | 5,864 |
| Net loans and leases to core deposits | 59.4173% | 6,032 |
| Total domestic deposits to total assets | 90.2549% | 745 |
| Equity capital to assets | 9.4910% | 5,106 |
| Core capital (leverage) ratio | 8.7132% | 5,388 |
| Tier 1 risk-based capital ratio | 13.5838% | 4,668 |
| Total risk-based capital ratio | 14.6925% | 4,749 |
| Memoranda: | ||
| Average total assets | $38,797,500 | 6,768 |
| Average earning assets | $35,810,500 | 6,743 |
| Average equity | $3,464,250 | 6,946 |
| Average total loans | $19,334,500 | 6,762 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8646% | 3,784 |
| Cost of funding earning assets | 0.5343% | 6,726 |
| Net interest margin | 4.3303% | 1,564 |
| Noninterest income to average assets | 0.9620% | 1,426 |
| Noninterest expense to average assets | 3.7196% | 1,493 |
| Loan and lease loss provision to assets | 0.1543% | 4,385 |
| Net operating income to assets | 1.0907% | 1,900 |
| Return on assets (ROA) | 1.0907% | 1,993 |
| Pretax return on assets | 1.0907% | 2,886 |
| Return on Equity (ROE) | 12.4743% | 1,349 |
| Retained earnings to average equity (ytd only) | 8.5319% | 1,254 |
| Net charge-offs to loans | 0.0948% | 4,729 |
| Credit loss provision to net charge-offs | 333.3333% | 913 |
| Earnings coverage of net charge-offs (x) | 26.8889% | 1,003 |
| Efficiency ratio | 74.9223% | 3,196 |
| Assets per employee ($millions) | 2.8309% | 6,420 |
| Cash dividends to net income (ytd only)* | 31.6038% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3625% | 4,760 |
| Loan loss allowance to noncurrent loans | 144.1489% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 1.6148% | 3,777 |
| Noncurrent loans to loans | 0.9452% | 5,089 |
| Net loans and leases to total assets | 49.5017% | 5,887 |
| Net loans and leases to deposits | 54.5609% | 6,266 |
| Net loans and leases to core deposits | 56.1040% | 6,410 |
| Total domestic deposits to total assets | 90.7274% | 622 |
| Equity capital to assets | 9.0329% | 5,536 |
| Core capital (leverage) ratio | 8.6908% | 5,237 |
| Tier 1 risk-based capital ratio | 13.8919% | 4,240 |
| Total risk-based capital ratio | 14.9921% | 4,323 |
| Memoranda: | ||
| Average total assets | $38,875,670 | 6,827 |
| Average earning assets | $35,933,000 | 6,802 |
| Average equity | $3,399,000 | 7,014 |
| Average total loans | $18,988,000 | 6,838 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6745% | 4,630 |
| Cost of funding earning assets | 0.5578% | 6,774 |
| Net interest margin | 4.1167% | 2,206 |
| Noninterest income to average assets | 0.9975% | 1,335 |
| Noninterest expense to average assets | 3.6678% | 1,606 |
| Loan and lease loss provision to assets | 0.2598% | 3,061 |
| Net operating income to assets | 0.9040% | 2,544 |
| Return on assets (ROA) | 0.9040% | 2,607 |
| Pretax return on assets | 0.9040% | 3,477 |
| Return on Equity (ROE) | 10.5184% | 1,905 |
| Retained earnings to average equity (ytd only) | 6.0450% | 2,614 |
| Net charge-offs to loans | 0.3021% | 2,835 |
| Credit loss provision to net charge-offs | 178.5714% | 1,638 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 1,868 |
| Efficiency ratio | 75.9140% | 3,178 |
| Assets per employee ($millions) | 2.9940% | 6,152 |
| Cash dividends to net income (ytd only)* | 42.5287% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3884% | 4,723 |
| Loan loss allowance to noncurrent loans | 48.3333% | 5,099 |
| Noncurrent assets plus other real estate owned to assets | 2.0400% | 3,272 |
| Noncurrent loans to loans | 2.8726% | 2,621 |
| Net loans and leases to total assets | 47.6260% | 6,119 |
| Net loans and leases to deposits | 52.1831% | 6,462 |
| Net loans and leases to core deposits | 53.6775% | 6,575 |
| Total domestic deposits to total assets | 91.2671% | 504 |
| Equity capital to assets | 8.4862% | 5,927 |
| Core capital (leverage) ratio | 8.4607% | 5,528 |
| Tier 1 risk-based capital ratio | 14.5208% | 3,723 |
| Total risk-based capital ratio | 15.6599% | 3,758 |
| Memoranda: | ||
| Average total assets | $38,497,000 | 6,889 |
| Average earning assets | $35,854,000 | 6,849 |
| Average equity | $3,308,500 | 7,075 |
| Average total loans | $18,537,000 | 6,906 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0624% | 4,275 |
| Cost of funding earning assets | 0.7002% | 6,888 |
| Net interest margin | 4.3622% | 1,610 |
| Noninterest income to average assets | 1.0461% | 1,366 |
| Noninterest expense to average assets | 3.8050% | 1,478 |
| Loan and lease loss provision to assets | 0.3930% | 3,758 |
| Net operating income to assets | 0.8158% | 2,730 |
| Return on assets (ROA) | 0.8239% | 2,837 |
| Pretax return on assets | 0.8239% | 3,555 |
| Return on Equity (ROE) | 9.1352% | 2,241 |
| Retained earnings to average equity (ytd only) | 7.5125% | 1,145 |
| Net charge-offs to loans | 1.1838% | 1,884 |
| Credit loss provision to net charge-offs | 71.0784% | 5,833 |
| Earnings coverage of net charge-offs (x) | 2.1863% | 4,081 |
| Efficiency ratio | 75.8919% | 3,070 |
| Assets per employee ($millions) | 2.5381% | 6,948 |
| Cash dividends to net income (ytd only)* | 17.7632% | 3,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3679% | 4,665 |
| Loan loss allowance to noncurrent loans | 46.2107% | 5,237 |
| Noncurrent assets plus other real estate owned to assets | 2.0881% | 3,237 |
| Noncurrent loans to loans | 2.9602% | 2,582 |
| Net loans and leases to total assets | 47.3471% | 6,447 |
| Net loans and leases to deposits | 52.0036% | 6,742 |
| Net loans and leases to core deposits | 53.5198% | 6,835 |
| Total domestic deposits to total assets | 91.0459% | 581 |
| Equity capital to assets | 8.7046% | 5,579 |
| Core capital (leverage) ratio | 8.3890% | 5,558 |
| Tier 1 risk-based capital ratio | 14.6734% | 3,437 |
| Total risk-based capital ratio | 15.7928% | 3,476 |
| Memoranda: | ||
| Average total assets | $36,898,400 | 6,976 |
| Average earning assets | $33,561,400 | 6,962 |
| Average equity | $3,327,800 | 7,183 |
| Average total loans | $17,233,000 | 7,070 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1645% | 4,014 |
| Cost of funding earning assets | 0.7343% | 6,959 |
| Net interest margin | 4.4301% | 1,426 |
| Noninterest income to average assets | 1.0854% | 1,210 |
| Noninterest expense to average assets | 3.8245% | 1,332 |
| Loan and lease loss provision to assets | 0.2732% | 4,400 |
| Net operating income to assets | 0.9871% | 2,287 |
| Return on assets (ROA) | 0.9944% | 2,369 |
| Pretax return on assets | 0.9944% | 3,204 |
| Return on Equity (ROE) | 10.9265% | 1,808 |
| Retained earnings to average equity (ytd only) | 9.8459% | 830 |
| Net charge-offs to loans | 0.9663% | 2,067 |
| Credit loss provision to net charge-offs | 60.9756% | 5,662 |
| Earnings coverage of net charge-offs (x) | 2.8129% | 3,734 |
| Efficiency ratio | 75.2149% | 3,101 |
| Assets per employee ($millions) | 2.5948% | 6,947 |
| Cash dividends to net income (ytd only)* | 9.8904% | 3,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4732% | 4,085 |
| Loan loss allowance to noncurrent loans | 39.4260% | 5,679 |
| Noncurrent assets plus other real estate owned to assets | 2.4252% | 2,946 |
| Noncurrent loans to loans | 3.7365% | 2,074 |
| Net loans and leases to total assets | 48.0524% | 6,516 |
| Net loans and leases to deposits | 53.2552% | 6,819 |
| Net loans and leases to core deposits | 54.9190% | 6,916 |
| Total domestic deposits to total assets | 90.2304% | 761 |
| Equity capital to assets | 9.4750% | 4,884 |
| Core capital (leverage) ratio | 8.5313% | 5,448 |
| Tier 1 risk-based capital ratio | 16.5746% | 2,529 |
| Total risk-based capital ratio | 17.8258% | 2,481 |
| Memoranda: | ||
| Average total assets | $36,605,000 | 7,074 |
| Average earning assets | $33,045,500 | 7,064 |
| Average equity | $3,331,250 | 7,275 |
| Average total loans | $16,972,250 | 7,168 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2037% | 3,937 |
| Cost of funding earning assets | 0.7495% | 7,065 |
| Net interest margin | 4.4542% | 1,307 |
| Noninterest income to average assets | 1.0409% | 1,245 |
| Noninterest expense to average assets | 3.7823% | 1,393 |
| Loan and lease loss provision to assets | 0.3542% | 3,593 |
| Net operating income to assets | 0.8883% | 2,593 |
| Return on assets (ROA) | 0.8938% | 2,692 |
| Pretax return on assets | 0.8938% | 3,521 |
| Return on Equity (ROE) | 9.9565% | 2,123 |
| Retained earnings to average equity (ytd only) | 9.9565% | 855 |
| Net charge-offs to loans | 1.0763% | 1,749 |
| Credit loss provision to net charge-offs | 72.2222% | 4,912 |
| Earnings coverage of net charge-offs (x) | 2.5333% | 3,734 |
| Efficiency ratio | 75.2711% | 3,216 |
| Assets per employee ($millions) | 2.4641% | 7,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6385% | 3,293 |
| Loan loss allowance to noncurrent loans | 54.9323% | 4,644 |
| Noncurrent assets plus other real estate owned to assets | 2.1725% | 3,291 |
| Noncurrent loans to loans | 2.9827% | 2,690 |
| Net loans and leases to total assets | 46.1258% | 6,771 |
| Net loans and leases to deposits | 50.9153% | 7,030 |
| Net loans and leases to core deposits | 52.4617% | 7,116 |
| Total domestic deposits to total assets | 90.5930% | 647 |
| Equity capital to assets | 9.1310% | 5,249 |
| Core capital (leverage) ratio | 8.5180% | 5,375 |
| Tier 1 risk-based capital ratio | 16.2118% | 2,587 |
| Total risk-based capital ratio | 17.4620% | 2,541 |
| Memoranda: | ||
| Average total assets | $36,697,670 | 7,122 |
| Average earning assets | $32,823,000 | 7,122 |
| Average equity | $3,294,330 | 7,325 |
| Average total loans | $16,724,000 | 7,236 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3024% | 3,538 |
| Cost of funding earning assets | 0.8090% | 7,065 |
| Net interest margin | 4.4933% | 1,165 |
| Noninterest income to average assets | 1.0174% | 1,242 |
| Noninterest expense to average assets | 3.9163% | 1,149 |
| Loan and lease loss provision to assets | 0.4376% | 2,775 |
| Net operating income to assets | 0.6126% | 3,846 |
| Return on assets (ROA) | 0.6235% | 3,919 |
| Pretax return on assets | 0.6235% | 4,509 |
| Return on Equity (ROE) | 7.0068% | 3,334 |
| Retained earnings to average equity (ytd only) | 7.0068% | 2,126 |
| Net charge-offs to loans | 1.9002% | 910 |
| Credit loss provision to net charge-offs | 51.2821% | 4,461 |
| Earnings coverage of net charge-offs (x) | 1.2308% | 4,030 |
| Efficiency ratio | 78.8546% | 2,750 |
| Assets per employee ($millions) | 2.4963% | 7,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6592% | 3,215 |
| Loan loss allowance to noncurrent loans | 38.8252% | 5,768 |
| Noncurrent assets plus other real estate owned to assets | 3.3115% | 2,168 |
| Noncurrent loans to loans | 4.2736% | 1,786 |
| Net loans and leases to total assets | 42.8949% | 7,068 |
| Net loans and leases to deposits | 47.1552% | 7,271 |
| Net loans and leases to core deposits | 48.4876% | 7,341 |
| Total domestic deposits to total assets | 90.9654% | 562 |
| Equity capital to assets | 8.7355% | 5,679 |
| Core capital (leverage) ratio | 8.3598% | 5,626 |
| Tier 1 risk-based capital ratio | 15.4050% | 2,915 |
| Total risk-based capital ratio | 16.6542% | 2,868 |
| Memoranda: | ||
| Average total assets | $36,565,500 | 7,214 |
| Average earning assets | $32,136,500 | 7,245 |
| Average equity | $3,254,000 | 7,418 |
| Average total loans | $16,419,500 | 7,339 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4510% | 4,433 |
| Cost of funding earning assets | 1.0297% | 7,147 |
| Net interest margin | 4.4213% | 1,377 |
| Noninterest income to average assets | 0.9721% | 1,658 |
| Noninterest expense to average assets | 4.5309% | 774 |
| Loan and lease loss provision to assets | 1.2743% | 1,813 |
| Net operating income to assets | -0.5416% | 6,228 |
| Return on assets (ROA) | 0.0191% | 5,476 |
| Pretax return on assets | 0.0245% | 5,376 |
| Return on Equity (ROE) | 0.2133% | 5,467 |
| Retained earnings to average equity (ytd only) | 0.2133% | 4,788 |
| Net charge-offs to loans | 3.4130% | 578 |
| Credit loss provision to net charge-offs | 76.0976% | 6,375 |
| Earnings coverage of net charge-offs (x) | 0.3463% | 5,767 |
| Efficiency ratio | 88.6521% | 1,823 |
| Assets per employee ($millions) | 2.3791% | 7,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8720% | 2,339 |
| Loan loss allowance to noncurrent loans | 30.4734% | 6,437 |
| Noncurrent assets plus other real estate owned to assets | 4.4275% | 1,462 |
| Noncurrent loans to loans | 6.1432% | 1,015 |
| Net loans and leases to total assets | 45.3875% | 7,028 |
| Net loans and leases to deposits | 50.1005% | 7,254 |
| Net loans and leases to core deposits | 53.2516% | 7,497 |
| Total domestic deposits to total assets | 90.5929% | 701 |
| Equity capital to assets | 9.0708% | 5,025 |
| Core capital (leverage) ratio | 8.1762% | 5,862 |
| Tier 1 risk-based capital ratio | 15.4664% | 2,733 |
| Total risk-based capital ratio | 16.7186% | 2,685 |
| Memoranda: | ||
| Average total assets | $36,726,000 | 7,221 |
| Average earning assets | $34,379,200 | 7,171 |
| Average equity | $3,281,200 | 7,508 |
| Average total loans | $18,019,200 | 7,312 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5115% | 4,359 |
| Cost of funding earning assets | 1.0694% | 7,246 |
| Net interest margin | 4.4420% | 1,335 |
| Noninterest income to average assets | 0.9517% | 1,775 |
| Noninterest expense to average assets | 4.5422% | 711 |
| Loan and lease loss provision to assets | 1.6871% | 1,102 |
| Net operating income to assets | -1.0851% | 6,889 |
| Return on assets (ROA) | -0.1406% | 5,987 |
| Pretax return on assets | -0.1406% | 5,898 |
| Return on Equity (ROE) | -1.5795% | 6,032 |
| Retained earnings to average equity (ytd only) | -1.5795% | 5,628 |
| Net charge-offs to loans | 3.1018% | 522 |
| Credit loss provision to net charge-offs | 109.3458% | 4,653 |
| Earnings coverage of net charge-offs (x) | 0.3902% | 5,636 |
| Efficiency ratio | 88.2971% | 1,839 |
| Assets per employee ($millions) | 2.5247% | 7,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8883% | 729 |
| Loan loss allowance to noncurrent loans | 36.9598% | 5,918 |
| Noncurrent assets plus other real estate owned to assets | 5.4433% | 1,058 |
| Noncurrent loans to loans | 7.8146% | 636 |
| Net loans and leases to total assets | 47.1821% | 7,018 |
| Net loans and leases to deposits | 52.1825% | 7,294 |
| Net loans and leases to core deposits | 55.1561% | 7,570 |
| Total domestic deposits to total assets | 90.4176% | 616 |
| Equity capital to assets | 9.2203% | 5,135 |
| Core capital (leverage) ratio | 8.1624% | 6,082 |
| Tier 1 risk-based capital ratio | 15.2539% | 2,928 |
| Total risk-based capital ratio | 16.5182% | 2,866 |
| Memoranda: | ||
| Average total assets | $36,986,000 | 7,276 |
| Average earning assets | $34,908,000 | 7,212 |
| Average equity | $3,292,250 | 7,573 |
| Average total loans | $18,397,500 | 7,360 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4968% | 4,653 |
| Cost of funding earning assets | 1.0938% | 7,387 |
| Net interest margin | 4.4031% | 1,404 |
| Noninterest income to average assets | 0.8846% | 2,040 |
| Noninterest expense to average assets | 4.4335% | 830 |
| Loan and lease loss provision to assets | 2.4938% | 628 |
| Net operating income to assets | -1.8404% | 7,381 |
| Return on assets (ROA) | -0.4529% | 6,505 |
| Pretax return on assets | -0.4583% | 6,379 |
| Return on Equity (ROE) | -5.1463% | 6,623 |
| Retained earnings to average equity (ytd only) | -5.1463% | 6,322 |
| Net charge-offs to loans | 1.5208% | 1,250 |
| Credit loss provision to net charge-offs | 327.2727% | 1,424 |
| Earnings coverage of net charge-offs (x) | 0.8322% | 4,915 |
| Efficiency ratio | 87.4869% | 2,075 |
| Assets per employee ($millions) | 2.4004% | 7,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3587% | 196 |
| Loan loss allowance to noncurrent loans | 62.9331% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 5.0630% | 1,037 |
| Noncurrent loans to loans | 6.9260% | 714 |
| Net loans and leases to total assets | 47.5948% | 7,070 |
| Net loans and leases to deposits | 52.4163% | 7,360 |
| Net loans and leases to core deposits | 55.3110% | 7,621 |
| Total domestic deposits to total assets | 90.8015% | 522 |
| Equity capital to assets | 8.9124% | 5,434 |
| Core capital (leverage) ratio | 7.9142% | 6,467 |
| Tier 1 risk-based capital ratio | 14.5263% | 3,228 |
| Total risk-based capital ratio | 15.8090% | 3,152 |
| Memoranda: | ||
| Average total assets | $37,532,670 | 7,311 |
| Average earning assets | $35,657,000 | 7,236 |
| Average equity | $3,303,330 | 7,632 |
| Average total loans | $18,805,670 | 7,408 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6357% | 4,133 |
| Cost of funding earning assets | 1.1403% | 7,443 |
| Net interest margin | 4.4954% | 1,134 |
| Noninterest income to average assets | 0.8252% | 2,199 |
| Noninterest expense to average assets | 4.1153% | 1,045 |
| Loan and lease loss provision to assets | 2.2770% | 519 |
| Net operating income to assets | -1.2678% | 7,400 |
| Return on assets (ROA) | 1.4414% | 1,136 |
| Pretax return on assets | 1.4518% | 1,810 |
| Return on Equity (ROE) | 16.4752% | 755 |
| Retained earnings to average equity (ytd only) | 16.4752% | 305 |
| Net charge-offs to loans | 0.6857% | 1,813 |
| Credit loss provision to net charge-offs | 660.6061% | 877 |
| Earnings coverage of net charge-offs (x) | 2.8788% | 3,350 |
| Efficiency ratio | 80.5726% | 2,731 |
| Assets per employee ($millions) | 2.5099% | 7,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3781% | 346 |
| Loan loss allowance to noncurrent loans | 43.7842% | 5,605 |
| Noncurrent assets plus other real estate owned to assets | 4.5685% | 1,046 |
| Noncurrent loans to loans | 7.7154% | 482 |
| Net loans and leases to total assets | 48.6972% | 6,968 |
| Net loans and leases to deposits | 53.4503% | 7,322 |
| Net loans and leases to core deposits | 56.4297% | 7,598 |
| Total domestic deposits to total assets | 91.1073% | 381 |
| Equity capital to assets | 8.5925% | 5,922 |
| Core capital (leverage) ratio | 7.7192% | 6,861 |
| Tier 1 risk-based capital ratio | 13.9101% | 3,642 |
| Total risk-based capital ratio | 15.1802% | 3,553 |
| Memoranda: | ||
| Average total assets | $38,296,000 | 7,325 |
| Average earning assets | $36,482,000 | 7,247 |
| Average equity | $3,350,500 | 7,673 |
| Average total loans | $19,249,500 | 7,421 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5207% | 2,856 |
| Cost of funding earning assets | 1.8920% | 6,747 |
| Net interest margin | 4.6287% | 1,099 |
| Noninterest income to average assets | 1.1708% | 1,127 |
| Noninterest expense to average assets | 3.8369% | 1,683 |
| Loan and lease loss provision to assets | 1.9821% | 610 |
| Net operating income to assets | -0.2397% | 6,668 |
| Return on assets (ROA) | -0.2397% | 6,514 |
| Pretax return on assets | -0.2571% | 6,421 |
| Return on Equity (ROE) | -3.0898% | 6,633 |
| Retained earnings to average equity (ytd only) | -15.3524% | 7,481 |
| Net charge-offs to loans | 3.0097% | 295 |
| Credit loss provision to net charge-offs | 127.8583% | 4,172 |
| Earnings coverage of net charge-offs (x) | 1.1127% | 5,566 |
| Efficiency ratio | 68.9856% | 4,538 |
| Assets per employee ($millions) | 2.5962% | 7,013 |
| Cash dividends to net income (ytd only)* | -396.8750% | 8,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3356% | 812 |
| Loan loss allowance to noncurrent loans | 36.2480% | 6,315 |
| Noncurrent assets plus other real estate owned to assets | 3.7593% | 1,144 |
| Noncurrent loans to loans | 6.4434% | 498 |
| Net loans and leases to total assets | 48.9639% | 7,103 |
| Net loans and leases to deposits | 55.3900% | 7,359 |
| Net loans and leases to core deposits | 59.2450% | 7,614 |
| Total domestic deposits to total assets | 88.3984% | 1,290 |
| Equity capital to assets | 8.9002% | 5,504 |
| Core capital (leverage) ratio | 6.8575% | 7,793 |
| Tier 1 risk-based capital ratio | 12.7927% | 4,225 |
| Total risk-based capital ratio | 14.0543% | 4,145 |
| Memoranda: | ||
| Average total assets | $40,058,000 | 7,208 |
| Average earning assets | $38,002,200 | 7,137 |
| Average equity | $3,107,000 | 7,805 |
| Average total loans | $20,633,600 | 7,290 |